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14Aug/11Off

Pennsylvania Car Insurance Shopper’s Guide – PA Auto Insurance Basics

How does one find the best Pennsylvania car insurance? What are some of the cheapest auto insurance companies in Pennsylvania? What are the PA minimum auto insurance coverage requirements? What are some things to look for when comparing Pennsylvania car insurance rates? How does one find Pennsylvania rental car insurance - and should it even be purchased in the first place? These are all key questions for PA residents that are of legal driving age. Read on to learn some of the PA auto insurance basics and see if maybe you can end up saving yourself some money in the process!

Pennsylvania No Fault Auto Insurance Laws

The state of Pennsylvania uses a no-fault system in regards to car accidents. This means that your insurance company will pay your injury claim regardless of who was at fault in the event of an accident. Since no-fault laws vary from state to state and can change over the years, you might want to call or visit the website of the Pennsylvania Department of Insurance if you have any questions.

PA Car Insurance Minimum Coverage Requirements

Under Pennsylvania law, you are required to have bodily injury coverage in a minimum amount of $15,000 per person, up to $30,000 per accident. Bodily injury insurance will cover such things as medical expenses, lost wages, pain and suffering, and any legal defense costs you may incur as a result of an accident.

Pennsylvania also requires that you carry a minimum of $5,000 worth of property damage liability car insurance. Property damage coverage will pay for damage to another person's property such as a fence, house, or car, as well as any legal costs that may arise from that damage.

Personal injury protection, or PIP, is required by Pennsylvania state law as well. There are different levels of personal injury coverage available, but the minimum amount required is $5,000. Pennsylvania calls the minimum amount required First Party Benefits-Medical. If you are in an accident, this coverage will pay for related medical and surgical expenses, rehabilitative services, such as physical therapy, any necessary dental, psychiatric, and optometric expenses, ambulance and nursing services, and required medications, medical supplies and prosthetic devices. The policy will only provide benefits to you, any other drivers listed on the policy, and any relatives living in the same home as you.

PA Tort Laws

In Pennsylvania, you must choose a tort option. A tort option defines your right to compensation if you, or any members of your household, are injured by another driver in a car accident.

The limited right to recover damages, or limited tort, provides limited benefits. While you will be covered for all medical and other expenses as a result of an accident, you will not be able to receive compensation for pain and suffering, or other non-monetary damages unless your injuries are serious, such as a life long disability or death. If you choose the limited tort option, your premiums for property damage, full first party benefits, and income loss coverage will be lower than if you choose the full tort option.

If you opt for the full tort coverage, your rights to recover financial compensation are not restricted. Under full tort, not only will you and other members of your family be able to recover damages for medical and other expenses, but you can seek full financial compensation for pain and suffering, and other damages for injuries you received that were caused by another driver in an accident. If you choose the limited tort option, your premiums for property damage, full first party benefits, and income loss coverage will not be reduced.

Optional PA Auto Insurance Coverage

Optional liability coverage in Pennsylvania includes first party extraordinary medical coverage. This type of coverage may give you and any members of your family medical benefit coverage in an amount up to $1,000,000. If you choose this coverage, it will take effect once the limit for your medical expenses has been reached under your personal injury protection insurance.

First party income loss coverage will pay you up to 80 percent of your lost earnings if you are unable to work after being injured in an accident. This coverage is limited to $2,500 per month with a cap of $50,000.

You may also personal the optional first party accidental death car insurance coverage. This type of coverage will provide a death benefit of up to $25,000 if you or a member of your family living in your home dies from injuries sustained in an accident for a period of 2 years after the accident occurred. The $25,000 will only be paid to the designated beneficiary that you will name at the time you purchase this coverage.

First party funeral coverage is another car insurance coverage option you can choose in the state of Pennsylvania. This policy will pay $2,500 toward any funeral expenses if you or a member of your family living in the same household dies as a result of a car accident.

While not required under Pennsylvania law, you may want to also purchase uninsured/underinsured motorist (UM/UIM) bodily injury coverage. This will pay for any expenses such as medical, lost wages, injuries sustained in a hit-and-run, and other general damages in the event you are injured by another driver who is either underinsured or uninsured.

You can also purchase the optional uninsured motorist bodily injury car stacking policy. This option will let you increase the limits for uninsured motorist bodily injury coverage. This coverage will, however, increase your car insurance premium.

In addition to all the liability insurance options available in Pennsylvania, you may want to purchase some type of vehicle coverage such as collision, comprehensive, emergency road service, rental car limits, loan/lease gap coverage, and customized equipment policies.

Collision coverage will pay for repair or replacement cost of your car if it has struck another car, object, or has rolled over. Collision coverage cannot be purchased without purchasing comprehensive coverage as well.

Comprehensive coverage will pay for damage from such things as falling objects, fire, certain natural disasters, vandalism, theft, glass damage, and damage caused if you hit an animal.

If you have a loan on your car, or lease your car, the bank or other financial institution may require you to have both collision and comprehensive coverage on your car.

Customized equipment coverage will pay for any special equipment permanently installed on your car, truck, or van such as running boards, brush bars, roll bars, fog lights, bed liners, etc. You can only purchase customized equipment coverage if you have both comprehensive and collision coverage as well.

The optional loan/lease gap insurance available in Pennsylvania will cover the actual cash value of you car at the time of loss, and any greater amount owed at the time of the loss, if your car gets damaged in an accident. This does not include any deductible, unpaid finance charges, excess mileage, or wear and tear charges, and any payment under this type of coverage will not exceed 25 percent of the actual cash value of your car at the time of the loss.

Pennsylvania High Risk Car Insurance

The state of Pennsylvania also has an Assigned Risk Plan. This program offers high risk Pennsylvania car insurance to drivers who are not able to get certain types of coverage. You may need to use this plan because of your driving record, type of car you own, or if you have an unavailable motor vehicle record.

Pennsylvania Rental Car Insurance

Many PA drivers agonize over whether they should purchase rental car insurance. While it is true that your regular PA auto insurance policy will travel with you and cover you even while driving a rental car it is important to make sure that your regular auto insurance policy has all of the coverage that you will want while driving the rental. For example, if you have a very bare bones regular Pennsylvania auto insurance policy then you may want to consider purchasing the rental car insurance.

Finding The Cheapest Pennsylvania Auto Insurance Company

While no one PA car insurance company is the cheapest for everyone it is certainly true that PA has a number of top auto insurance companies. Here is a listing of some of the best:

AIG

SF Insurance

Allstate

Esurance

Progressive Direct

GEICO

Liberty Mutual

Be sure and compare rates from at least 5 different companies in order to find the best policy for your needs.

Compare Pennsylvania Car Insurance Quotes Online

With all the options for car insurance available in Pennsylvania, it may be wise to shop around online for the best rates and coverage. You might want to do a side-by-side comparison of rates, and services available at several different car insurance companies. A little time and research may save you hundreds of dollars on your car insurance policy in the state of Pennsylvania.

Get started finding Pennsylvania car insurance today!

Article Source:
http://EzineArticles.com/?expert=James_J._Robinson

13Aug/11Off

Summer Camp Options – How to Find One That Fits

Type summer camp into any search engine and the results can be overwhelming. There are pages and pages of listings. One cannot rely on the search engine to rank the "best" camps from top to bottom. At or near the top of the search results will be camp-directories. This is because they put the most money into their sites and have the most links since they represent so many clients. Of course a directory cannot dictate the best camp for you.

Somewhere on the pages you will find individual camp-websites you can peruse as well as the aforementioned directories.

While the camp directories are convenient, they are not authorities in identifying the best camp for you: you are. The directories are companies that charge camps for their listing services. There are charges for premium placement (being at the top of the page) for banner ads (the ones that blink or scroll at the very top of the page) and badge ads (logotype ads on the side of the page), as well as, for information they will share (website links are always more, color, movies, etc). I have been quoted upwards of $6000.00 dollars for a one-year ad in one of these directories. In fairness I should mention often the directory will offer a free listing, these are at the bottom of the listings with little to no data.

For you, a prospective camper or guardian thereof, there are some nice features to be found on the directories: camps are broken down by category, by region, byreligious affiliation and by overnight or day camp etc.

While this data can help draw you closer to the type of camp that is an excellent fit for you, they should not be the end of your search. It is always good to do your own search engine crawl once you have parsed out the features you want in a camp.

Maybe you want a rafting camp but you would also like to go away from home or visit another part of the United States. Then you can search for camps that can accommodate the special circumstances surrounding your camp arrival and departure: for instance a camp that offers shuttle service from the local airport.

To help you begin your camp search, here are some questions to ask yourself and thoughts worthy of consideration:

  1. How long are you wanting to be at camp: for the day or overnight? (overnight camps are referred to as resident camps) If attending a resident style camp for the first time, it is NORMAL to feel nervous. Deciding on a resident style camp can be nerve-wracking but don't eliminate this option. Remember, the other campers will be new too: you are not alone in this. Many campers who attend resident style camps make friendships that last years and often the experiences are more meaningful simply because of the newness of the experience.
  2. Do you want a religious focus to your camp? If so, then make that a priority in your search. If not, then be aware, many non-denominational camps are great and respectful of all lifestyles.
  3. Do you want the camp to be unisex or is CO-Ed acceptable? Either way, camp directors and counselors are aware, day and night. There are pros and cons to either camp scenario.
  4. Decide what you want to do on your vacation. If you want an acting/drama-intense-camp, then choosing a camp focusing on water sports is not for you. This said it is important to look at what camps do offer because there are differences even in camps that appear similar. You may be able to do MORE and spend about the same. For example, in our area, the foothills of Northern California, there is a camp on a lake that has many water activities as well as hiking, crafts, ropes, etc. Just down the road is a camp that is based on a river. The camp on the river does everything the lake camp does as well as whitewater rafting, off site excursions to water-parks, pro-basketball games and visits an historic State Park. The costs between the two camps is nearly identical, in fact the river-based camp is even a little less expensive. Make sure you do your shopping. If you are debating between a few camps, email them, ask them questions and then compare their responses.
  5. Do not exclude yourself before you make contact with a camp! For example, if you see the word "adventure" in the camp title, do not assume this is only for aggressive outdoor enthusiasts. Email and ask what, if any experience is necessary. Same goes for rafting or skydiving or surfing... well you get the idea. Most camps are geared for nearly everyone in the accepted age range. If they are worth their salt, they will have competent and positive staff to guide you along each adventure.
  6. Do not be afraid to make contact, in fact, I encourage you to make contact via either email or phone. Question these people, listen or read their responses with receptive ears and eyes. You can gauge the authenticity of someone by the way the respond and interact with you. You are important and so is your summer experience, go with someone you feel comfortable!

The long and the short of it, there are many options for you when choosing your summer adventure. Take a moment, stretch yourself a bit and really go for something you want to do. Make contact with the camp. Do not exclude yourself from something new, ask questions. You are important; the response you receive should make you feel as such. These steps should help you find that right fit.

Christopher Pyle is the owner/director of http://www.actionwhitewater.com adventure summer camp and whitewater rafting company in Northern California. His entire company philosophy focuses on creating the safest and most encouraging environments for campers and rafters alike. We focus on TEAM, we focus on KINDNESS, we focus on SAFETY, we focus on personal EMPOWERMENT, we focus on COMMUNITY, we focus on SUPPORT. We're family run, family oriented and wanting to share our place with you. Kindly, Chris

Article Source:
http://EzineArticles.com/?expert=Christopher_Pyle

12Aug/11Off

Kid Movie Party Theme

Lights! Camera! Action!

Now with our exclusive movie party theme, your birthday child can star in their own movie!

That's right, with fun kid birthday parties one-of-a-kind movie making adventure, you can turn your child's birthday party into a movie making party they'll never forget.

Imagine how excited your birthday child will be when they get to tell all their party guests that everyone is going to be in a movie... Wow! This is going to be super fun.

"The Great Birthday Treasure Hunt" is an original 3 minute mini-movie script exclusively from Fun Kid Birthday Parties and it's yours absolutely FREE.

And when you order your free movie script we'll even send you our easy to follow tips on how to put together this super fun one-of-a-kind movie party theme that everyone will love... And you'll have a great time too!

Movie Party Theme

Everyone has dreamed of starring in a movie... And now your birthday child can star in "The Great Birthday Treasure Hunt" a fun 3 minute movie production.

Movie Party Invitations

Make your invitations into a "Movie Star Contract." You might write something like this:

Movie Star Contract

"You're so talented and glamorous that (your family name) Productions would like for you to sign this fun contract to appear in our latest blockbuster movie production titled "The Great Birthday Treasure Hunt."

We're celebrating (first and last name of birthday child)'s birthday on (day and date of the party) at our (your family name) Productions movie studios from (start time and end time of your party).

(First and last name of birthday child) will be starring in our movie adventure and wants you to be one of the movie's co-stars.

"The Great Birthday Treasure Hunt" will be filmed on location in and around our movie studio.

Our movie party theme will include time for autographs, movie games and activities, movie screenings and our studio commissary will be providing delicious movie production treats for our entire cast.

Please sign this Movie Star Contract and call your agent (name of agent to ask for) at (telephone number) to RSVP for your movie star roll in our original movie production."

The (family name) Productions movie studio is located at (address).

Come dressed as your favorite movie character. (or you can have everyone show up in whatever costume you'd like, western, The Incredibles, Princess, fashion, or whatever theme you want).

Movie Party Theme Decorations

Your decorations can include a director's chair, a megaphone, scene slate, light cut outs, camera cut outs, studio signs like "Hot Set". "Birthday Movie Set", "Hollywood Studio". .

Movie Party Theme Games And Activities

You can make your movie production your entire party or you can set up some movie related activities and games.

Movie Party Theme, Screen Your Dailies

After you shoot the scenes for your movie, "The Great Birthday Treasure Hunt", you can screen the raw unedited footage. Your guest will love seeing everything, including all the fun out-takes and bloopers.

Movie Party Theme, Snacks And Refreshments

Movie sets always have lots of snack food nearby for all the actors and crew... Favorites include M & M candies, Gummy Bears, nuts, fruit slices, veggie slices, chips and dips and any other finger snacks your birthday child might like.

Have fun and put a sign on your table that reads "Studio Commissary".

Kid Movie Party World Premiere

One of the fun things about shooting a movie as a special birthday party is that you can have a second party as well. We've done this and everyone loved it!

Once your movie is edited, you'll want to have your movies "World Premiere."

Print out some movie ticket invitations, roll out a red carpet, invite the "paparazzi" (photographers) to snap pictures and video as your stars arrive.

Have some popcorn, screen your movie!

Follow your movie's world premiere with an Academy Awards style party. Hand out awards (special best actor certificates) to all your actors! And let everyone make an acceptance speech. This is a lot of fun. This will be a movie premiere that everyone will remember!

To get you started on this unique, one-of-a-kind movie making adventure, Fun Kid Birthday Parties will send you a copy of our 3 minute movie script, "The Great Birthday Treasure Hunt" absolutely free. And we'll include our easy to follow tips on how to put together this fun movie production for your birthday child.

To get your free kids movie party script visit us at Fun-Kid-Birthday-Parties.com and fill out the easy form at the bottom of the page.

Mike Dougherty is a movie and television writer, producer, director, video editor and regional Emmy award winning videographer. Most recently as a Hollywood screenwriter "the Long Ride Home" a western movie starring Randy Travis is based on Mike Dougherty's short script. To get your free kids movie script, visit http://fun-kid-birthday-parties.com/kid-movie-party-theme.html right now

Article Source:
http://EzineArticles.com/?expert=Michael_R_Dougherty

12Aug/11Off

Why Other Children are Rejecting Your Child

Introduction

Developing healthy peer relationships is critical for the normal development of a child. Peer relationships have been found to be an important predictor of positive adult adjustment and behavior. Difficulty in finding friends leads to feelings of low self-esteem and these feelings usually continue into adulthood.

Children with poor social skills are at risk for delinquency, academic underachievement, and school drop out. Even though the inattentiveness, impulsiveness, and restlessness frequently persist into adult life, these problems are of less importance as the child gets older. Rather, the main difficulty ADHD patients encounter as they reach maturity is their inability to interact appropriately with others.

ADHD children often lack the social skills that are essential to success in life. These children can be socially inept, and their lack of interpersonal skills may cause them a multitude of difficulties. In addition, positive relationships with friends in childhood provide a critical buffer against stress and help to protect against psychological and psychiatric problems. ADHD children lack these positive interactions and thus are at risk for a number of emotional problems.

Probably 60% of ADHD children suffer from peer rejection. ADHD children are less often chosen by peers to be best friends, partners in activities, or seatmates. As the children grow older, their social problems seem to get worse. Their inappropriate behavior leads to further social rejection and exacerbates their inability to relate to others appropriately. Long term these children are more likely to have difficulty finding and maintaining successful careers. This is not surprising since social aptitude can make or break careers and relationships in the adult world.

Causes of Poor Peer Relationships

ADHD children are frequently disliked or neglected by their peers. It is difficult to determine all the factors that make a child unpopular, but children who frequently display aggressive or negative behavior tend to be rejected by their peers.

Impulsivity and Aggression

ADHD children tend to be more impulsive and aggressive than other children. Teachers observe that the social interactions of ADHD children more often involve fighting and interrupting others. These children are more intense than others and behave inappropriately in social contexts. For example, ADHD children are more likely to yell, run around and talk at unsuitable times. They also tend to want to dominate play, engage in off task behaviors and engage more in teasing and physical jostling of peers. This sets up a process of peer rejection.

Academic Problems

ADHD children often do not do well in school. Poor school performance by itself does not result in social rejection. However, the way the child responds to his academic difficulties can contribute to inappropriate social behavior. Children who cannot engage themselves with classroom work assignments often disrupt and irritate their peers.

Inattention

ADHD children have difficulty with sustained attention. Deficit in attention seems to be related to peer rejection independently of the aggressive, impulsive, and hyperactive behaviors of ADHD children. These children become bored more easily than other children. As a result, they are more likely to become disruptive in the classroom.

ADHD children have difficulty in modulating their behavior and changing their conduct as the situation demands. They have apparent social-cognitive deficits that limit their ability to encode and recall rules of social cues. Children with ADHD pay less attention to others verbally in games and other activities.

Many ADHD children are aware that they are socially inept. Children who are anxious or fearful about peer relations are unlikely to behave in an effective manner. These children withdraw from peer interactions and, in this way, limit their ability to gain acceptance and friendship.

Children are rejected by peers when they appear to be different. Similarity fosters social acceptance. Because ADHD children do not learn social clues as well as other children, they tend to be viewed as strange.

Bad Behavior

One of the keys to your child's social success is proper behavior. If your ADHD or ODD child frequently misbehaves, it is your obligation as a parent to teach your child how to improve his behavior.

If your child is aggressive or defiant, if he does not accept the authority of adults, or if he conducts himself in a such a way that children his age will view him as a behavior problem, then your child will have a difficult time making and maintaining friendships. The friends he will attract are other aggressive problem children, the type of child with whom which you would rather your child not associate.

All children need friends. Behavior problem children have trouble making friends with others, so these children tend to congregate together. They reinforce each other's bad behavior. If you are an aware parent and you have control of your child you can put a stop to friendships with these children. However, you must have control of your child's behavior in order to help him to avoid the trap of bad friends.

Conclusion

Helping children with ADHD build close peer relationships is an important goal to focus on, and is one that often may be over looked. You, as a parent, have the ability to help your child accomplish this important social goal. You should make every effort to help your child in this area. His psychological health and his happiness, both now and in the future, are very much dependent upon how successful he is at making and maintaining childhood friendships.

About The Author

Anthony Kane, MD is a physician, an international lecturer, and director of special education. He is the author of a book, numerous articles, and a number of online programs dealing with ADHD (addadhdadvances.com/childyoulove.html) treatment, ODD, parenting issues (addadhdadvances.com/betterbehavior.html), and education. You may visit his website at http://addadhdadvances.com. To sign up for the free ADD ADHD Advances online journal send a blank email to: subscribe@addadhdadvances.com?subject=subscribeartcity

akane@addadhdadvances.com

Article Source:
http://EzineArticles.com/?expert=Anthony_Kane,_MD

11Aug/11Off

5 Ways to Improve Your Blog

Blog, Blog, Blog. It's like getting the theme song from The Bridge on the River Kwai stuck inside your head. A blog can be your best friend, or your worst nightmare. If used in "moderation" a blog can be a benefit to your bottom line, but beware, blog are addictive. It's easy to get caught up in your blog and lose focus on your core business goals, so here are 5 simple ways to make your blogging life easier and more successful.

So put down the proverbial blog crack pipe, and remember the blog is there to serve you, not the other way around!

Blogs (or Web Logs) aren't new, but they have become a fast mover in the world of web design and search engine optimization. A blog is a website first and foremost, with a small twist. It usually has a neat user interface that anyone can publish their latest news, product updates, whimsical thoughts, technical specifications, customer service/FAQ information and more. You can use a blog for just about anything you can think of. The more creative you are the better.

There are plenty of low-cost or free ways to get started

blogging. WordPress, Blogger, Easy2Blog, B2Evolution and more are all free. I'm a WordPress guy myself because I dig plug-ins, but if you don't know anything about programming I would suggest Blogger (Google) or Easy2Blog (easy as the name suggests).

The 5 Ways to Improve Blog Performance are more for those of you who have are using publishing software such as WordPress. So here we go (remember, a blog is a website).

Content

There are plenty of ways to get content for your blog. It's best to keep it relative to your topic. EzineArticles and GoArticles are great places for free, syndicated articles for your blog. Just be cool about it and remember to cut and paste the text or code exactly as it is and give attribution to the writer (the author link).

Simply syndicating everyone else's articles isn't enough, you need to add your own viewpoints. Try and write one a day, even if it's not 500 words or more. Be careful. It's easy to become obsessed with adding content to your blog. Spend more time on adding content on the front end (when you're building the original blog structure) and then simply commit yourself to 10 minutes a day writing at least one post for your blog.

It's easy for a BLOG to become a BLOB that your reader's will soon turn away from.

Categories

Set up and manage several different categories related to your "topic". You can publish the same article into different categories. Example: if your blog is about Search Engine Optimization you may have 5 different categories (plus the main category). Your categories could be - On Page SEO, Off Page SEO, Link Building, Directory Submission, and Site Design. Not every article or post will be relative to each category, but some will overlap. Don't go crazy and put every post in every category every time. You'll lose readers and value.

Blog Search Engine Optimization
There are a series of tools/plug-ins that will help with search engine optimization for your blog. DagonDesign has a great plug-in for WordPress and it's free and easy to install. Having clean URLs for your posts is extremely important. When you post an article about "Choosing Colors for Your Website" you don't want your post URL to be http://www.blahblahblog.com/?=ID1234 . In WordPress, for example, you want to at least choose the built in selection "Date and Name based" (click "Options" then "Permalinks" in the Dashboard view"). If you feel comfortable and are a bit crafty you can create a custom permalink structure.

Submit your Blog to Blog Directories

In addition to the traditional directory submissions you would make with any website. Most of these directories require a link back to their directory. There are two ways to handle these links (1) create a new page called "links" or resources" and post the links there (make sure you use the HTML editor/button on the post page otherwise the link will show up as code and won't count), or (2) put the link on your main page in the sidebar.

Keep in mind that the blog directories are for the most part human edited so it may take some time for them to confirm your link and blog content so be patient. Also, it's a good idea if you're setting up a separate links page to write down the URL of that page, the directories will ask you for the location of the backlink to their directory when you fill out the form.

Most of the general SEO principles for a regular website apply to blogs. Don't forget to put a link to your main website and to your blogs main page in the footer of your blog (and tag it properly for maximum effect).

Blog Design

Almost every blog is designed using CSS (Cascading Style Sheets). CSS is a great tool for website design and especially blogging. It allows you to create new pages on the fly without redesigning each page. For WordPress (and Blogger, etc.) there are a ton of pre-designed, free templates, themes, skins, layouts (all the same thing) out there you can download, customize or use "as is". Be a decent blogger and make sure you leave the backlink in the footer for the designer. If you don't know anything about customizing blogs you can follow the link back to the original designer or the person who "ported" it to the blog format, they may be able to help you with customizing the blog for a couple hundred dollars. Matt at http://www.dagondesign.com/ can help you out here.

Calls to Action

Just like your website, your blog should have specific calls to action so that reader's can interact with you. Whether it's a simple "contact us" form mailer or a more elaborate ecommerce function, once you "got 'em" there, they need something to do. Again, Dagon Design has a cool form mailer plug-in that's easy to add to your site. You may have to create a separate HTML page and link to it from your blog (put it in your header so it's on each page) if you want to add a shopping cart.

These are just the first 5, stick around for more, or visit our blog at [http://blog-template-layout.com] and check out what's new.

Remember, your blog is just an extension of you and your business, so give it some personality, define some goals and make some rules for your blog.

Kaboodle Ventures Affordable SEO [http://www.kaboodleventures.com]

The Blog Mill Blog Templates [http://www.blog-template-layout.com]

Article Source:
http://EzineArticles.com/?expert=Christopher_Conlan

11Aug/11Off

Overcoming Public Speaking Fear and Anxiety

1. What is Public Speaking Fear?

And what are its causes?

­­Public Speaking Fear can be paralyzing... Standing in front of a crowd... You probably know the feeling. You can work weeks, learn the materials, prepare the presentation. You try to ignore the anxiety. And then it's the moment... You go to the stand... Your throat is dry, you begin to stutter... Your brain feels empty.

What is happening to you? This frustrating phenomenon is called Public Speaking Fear.

You are not the only one to suffer from this fear, or phobia. In fact, According to recent studies, about 40 percent of the population, were found to have a serious fear of public speaking. Almost everyone has some degree of fear regarding public speaking.

Whether it is in front of 10 people or a full auditorium, the fear of public speaking seems to affect nearly everyone at one point or another. Even the most professional public speakers can become nervous before an important speech.

This impacts of this anxiety vary from just 'not being your best' during the speech,,to not being able to even begin the speech, and in some cases even suffering from horrors and general feeling of incompetence.

Symptoms of this fear might be:

  • Rapid heartbeats
  • Shaky hands
  • Shortness of breath
  • Blank mind
  • Feel of freezing
  • Sweaty hands
  • Dizziness

Although you might hear and read about various reasons and factor that cause and affect Public Speaking Fear, I will divide the causes of this "fear" into 2 categories: Historically-based and Experience-based.

1.1 Historically-based factors

Imagine human beings in past times, when we used to live in small tribes. Those times encoded in us all kinds of fears, that helped humans survive. A human tribe would include between 30-100 members, usually with a single (male) leader. This leader was vital for the survival of the tribe and used to be the authority. Now imagine that one simple member of the tribe would arrange a speech in front of the tribe. The leader of the tribe would see this as an attempt to gain authority over the tribe. A common penalty for that could be death.

Public speaking used to be extremely dangerous in the past.

This historical reason is considered according to researches as the main reason why we are so afraid of public speaking.

There is a branch of psychology called "Evolutional Psychology", which discusses matters like this. The most important thing that you should remember is that a major cause for your fear is irrational. You can't explain it with the terms of our world. Only imagining the world as it was 10,000 years ago carries the real answer.

1.2 Experience-based factors

Now, in addition to the psychological reasons that cause this fear of public speaking, there are of course also factors from you own life that create it.

The way we use language in our life is called "conversation", because when we speak, we do it with someone else. Our neurological system is so used to having conversations, that we just don't pay attention to all the internal processes that happen when we're speaking. Because it's done automatically, we can focus our whole attention on the conversation itself.

Now, every new and unknown activity that we try to do, will seem intimidating, just because we are not experienced enough. We don't know how to use our voice. We don't know how to look at the people, how to stand, how to move our hands. We are even not used to the specific language patterns that we need to use during speech - and there is a different way to use language during a speech.

Another aspect of experience-based causes is a fear, caused by our past experiences. An embarrassing or painful experience while speaking to a group in the past can also create a fear.

So, let's summarize so far. Public Speaking fear is this negative feeling that causes us not to be at our best during public speaking. It might even prevent us from making the speech at first place. We've discussed 2 main reasons for this fear. The first is based on our past as human beings, and that is the reason why we are sometimes so terrified about public speaking. The second reason is based on our own experiences of the world, that also create fears and beliefs.

1.3 Rational and irrational fears

Before moving on to dealing with public speaking fear, we need to understand how to view our fear.

Rational fears are fears that we can explain rationally, and the fear is of something that could cause real harm (physically or emotionally).

In general, examples of rational fears include:

  • Dangerous people (a person holding a knife, murderer etc.)
  • Dangerous situations (fire, earthquake, floods etc.)
  • Dangerous activities (Skiing, walking on a rope etc.)

Now, we can see that fear of some activities is considered rational, because it consists of real danger. Some fears are good to have. The fear itself is something positive, it helps us survive.

Irrational fears, on the other side, are fears that don't help us survive, but on the contrary, prevent us of being our best.

For example, if we were bitten by a dog once, we might get the fear of dogs for our whole life. If someone frightened us during a dark night, we might get a fear of darkness.

As you can see, our mechanism of fear in not perfect, and we need to do some work to deal with our fears.

Rational fears should be kept and maybe even encouraged. Irrational fears, instead of preventing harm, in many cases can cause us harm. It's normal to try and overcome irrational fears.

1.4 Is fear of Public Speaking rational or not?

Can public speaking harm you? As we said above, in past times, public speaking could definitely cause you harm. It used to be extremely rational to be afraid. Because this fear was rational for hundreds of thousands of years, it was delivered to us during what we call "Evolutional Psychology".

Is Public Speaking fear today is still rational? Well, I could give you some hypothetical examples when public speaking could cause harm. If you speak in front of a hostile crowd, it might cause you emotional fear. If you're a gangster and you try to speak in front of your gang members, you might event have physical harm.

However, in most cases, public speaking is completely harmless. There is no rational reason to be afraid of speaking in front of your class members; and what about presenting your new product in front of your clients?

Therefore, in today's world, Public Speaking is completely irrational.

2. In short, How to overcome the fear?

In order to overcome the fear of public speaking, it's vital to understand, remember, and believe, that the fear is irrational.

In this manual, we will discuss 2 approaches to overcoming the fear:

Subconscious- working on the processes that happen in our brain that we are not aware of, our belief system, etc. Those methods are meant to reduce or even completely abolish the fear.

Techniques- Specific techniques and methods to help you with public speaking, even if you still have the fear.

To tell the truth, if you just use techniques, get more experience, try to find the confidence and so - you will get better. You will desensitize your fear. However, every time, before a speech, you will still feel the fear. It will be weaker, but it will be always there.

Imagine that your mind is a computer. A very complicated one, but yet a computer. It runs so many programs that we just can't count. Some of them are in our awareness - they are conscious processes. The rest, most of the processes, are out of our awareness - they are subconscious processes.

Now, when you go public speaking, there are 2 opposite processes in your head. The first one is positive, and tells you : "Go, give a speech", and the second one is negative, it tells you "No, you cant".

Working to eliminate the fear, can be done! It can be done using methods to eliminate fear. Because it's a subconscious process (unless you consciously choose to be afraid...), it involves dealing with your subconscious mind.

In the next chapter, I'll discuss the common methods. They include: Hypnosis, NLP (Neuro-Linguistic-Programming) and working on you belief system.

The other way, that will not eliminate the fear but will help you deal with it, is using learning techniques. It works on the positive side, I makes you better in public speaking, and therefore deal better with the fear. I will never eliminate the fear, but it will make it easier to do public speaking.

Personally, I recommend that you use it in addition to working on the subconscious side. Just learning the techniques will never make you speak at your best, and every speech will continue to be an effort.

3. Working on your subconscious mind

3.1 Using NLP Techniques

Neuro-Linguistic Programming (NLP) is a behavioral technology, a set of guiding principles, attitudes, and techniques about real-life behavior.

It allows you to change, adopt or eliminate behaviors, as you desire, and gives you the ability to choose your mental, emotional, and physical states of well-being.

I will not tell you here too much about NLP, because it's a complete theory. Personally, I prefer NLP to work on subconscious processes, mainly because unlike other methods that I will discuss in the book, NLP can be learned and used by almost everyone. There is no need to understand psychology or medicine.

According to NLP, our mind is in some way like a computer. It has all kinds of programs running. Although many of them are unconscious (fear, for example), it teaches us methods to eliminate or at least weaken those processes, if we want to.

What are these processes? Our mind works with 3 senses (we actualy have 5, but only 3 of them are really important) - visual (eyes), auditory (ears), or kinesthetic (feelings). Every person primarily uses just one of the 3 during processes.

Some people are visual - they see the world through their eyes. Others are auditory, they mainly use their ears to hear voices. And other people are mainly kinesthetic, they understand the world through feelings.

For example, if you are a visual person, this means that you see the world mainly through your eyes. Therefore, there is a visual process (or processes) that create the fear of public speaking inside you.

Now, I'll tell you a quick story about a friend of mine. He used to have a serious fear of public speaking. His hands would shake, his voice would change, his heart beat would skyrocket. When I tried to check with him what caused the fear, he told me that he would visualize himself giving a bad speech.

In those visual pictures, he saw people laughing at him, He saw himself standing without remembering what to say, etc. He couldn't control those pictures. He couldn't make them disappear.

What is happening? His mind is kind of "screening" a movie in his head. Do you remember a really scary movie that you saw? There were moments in that movie that you really felt afraid? Even though it was just a movie and you knew it was just a movie?

The same thing happened with my friend. What created the fear was the movie, the pictures. Our subconscious mind reacts the same way whether the movie is a reality or not.

Traditional psychology tries to find the "roots" of the fear. It tries to see what past effects created it. Instead, NLP provides an easy and short treatment. As we discussed in the first chapter, the reason might be even in our past as humans, so we can't eliminate the root.

So, let's see how we deal with our fear.

For visual people

If you're a visual person, you probably have a movie running in your head. Try to understand what exact movie you see:

- is it black and white? Or do you see colors?

- is it smooth or not?

- is it going in slow motion, or quickly?

- do you see it in details?

- do you see it from a first position or third position?

Let's go back to my friend's example:

He used to see himself making a speech, and he saw people in the crowd laughing. he saw himself embarrassed...

Now, I asked him to sit silently in front of me, and we began understanding together what exactly he saw.

When he saw himself standing and giving a speech, it was from his own eyes, what we call "1st position". He saw it black and white, and in great detail. He could see faces in the crowd; he could exactly understand what was happening.

When you see this movie running again and again in your head, your mind creates a great fear. Like a movie, even if you know it's just a movie, it still creates the same effect.

A great basis in NLP is that you can't fight your thought. You can't just say: "No! I'm not afraid". Your mind won't accept it and you will continue seeing the movie.

However, what you can do is to make changes in the movie, add effects, even change angles. It might sound fantasy to you, but it's possible.

So, what I did next is that I told him to change the movie into a 3rd position. I told him to see the movie as if he was standing near the scene, from the side.

That way, he was seeing himself there, and he saw the crowd. Now, I told him to make the movie a bit in a distance from him, As if he sees it on a television. I told him to begin moving the movie away from him, so that this "television" looks far away from him. Now, he saw himself somewhere in a great distance. He couldn't see details anymore, because the picture was so far...

Do you understand what we did here? We can't fight the movie, but we can do manipulations. Now, the movie was much less frightening. Almost like some pale thought...

The next time he was about to do a public speech, I told him this process again. After a few times, this movie didn't disturb him anymore. The fear was almost gone.

When he now goes to speak, he can concentrate on the words, on the message. The fear is gone.

For visual people, NLP gives us a quick solution, and that is to make the visual process less dominant and less clear. Make it something in the distance that doesn't bother you.

What if you are Auditory?

For auditory people

So, now that we understand how to deal with public speaking fear for visual people, you may ask the question - what if I'm an auditory person?

Well, for auditory people, we need to weaken the auditory process that creates the fear. What is that auditory process? It's usually a sound or a voice. For example, you might be telling yourself: "No, I can't do that..." or "Those people are going to laugh at me...", or you might hear the people laughing, or shouting at you.

We can't make the sound "smaller" as we did with the visual process, but we still can make it weaker. There are a few options. The one I will discuss here is making some differences in the voice: Instead of hearing it in its regular way, make it sound funny. Give it a childish voice, for example. I also like giving it a sex-flirting voice.

When you convert the voice to a different way, it doesn't sound frightening anymore. On the contrary, you might find yourself laughing and smiling instead! Try this now, make a serious, frightening voice inside you, sound funny, childish or sexy.

How can you learn more of NLP

We only discussed some examples of using NLP to overcome fear. There are of course some more ways - for example, you can add effects to your internal movies, you can add background music and whatever you find useful in overcoming those internal processes that create your fear.

However, NLP can be used in many other ways and techniques to really improve you skills. You can become a better communicator, better lover, increase you income, be more efficient. It's a set of techniques and methods to improve your life in general, and allow you to control your mind effectively.

If we are discussing Public Speaking, you can use NLP to make you message more clear, understood and acceptable by people.

NLP was created in the recent decades, and it's still under development. I personally suggest that you find time to learn more of it. You can check our page to discover how we suggest to learn NLP.

3.2 Belief Systems

In many cases, our fear is caused by our belief system. Belief is stronger than knowledge, and our perception of the world is actually created according to our belief system.

Belief is usually something we can't really prove. Belief in god is a good example, but almost all beliefs we have in life are not absolute.

There are certain beliefs that we can't prove they are true or not. However, we CAN tell if they benefit us or not - or whether they help you achieve your goals.

When regarding Public Speaking Fear, there are a few a beliefs that might cause the fear. According to studies, the most common belief that directly causes the fear is the following:

Limiting Belief- "It is normal to have a fear or anxiety of Public Speaking".

Think to yourself... Do you accept this? Do you believe that it's normal, that it's OK to have a fear of public speaking?

You probably do.

Why? Probably because of your own experience, because that is what society teaches.

However - are you sure it's "Normal" to be afraid? Why? It's just your belief. And that belief is actually causing the fear - because you kind of expect it.

It will be much more empowering to change this belief. Instead, you should understand that there is nothing "Normal" in public speaking fear. You know it's an irrational fear. Nothing is Normal here.

Empowering Belief- "Public speaking makes me feel relaxed and energetic".

Do you understand how changing your belief changes the way you respond and view life? Instead of believing that you are supposed to be afraid - you choose an empowering belief.

Is this empowering belief "True"? Many people around the world don't have any fear of public speaking. Instead - they enjoy it. You can choose what to believe. I personally recommend you to choose the empowering one.

Here are some more beliefs that you should consider loosing:

"It's good to be nervous"- What the hell? Why is that good? It's good to be relaxed. That's a totally limiting belief.

"Public Speaking is something you are born with, or not"- A terrible belief that unfortunately many people possess, not only regarding public speaking. Almost every skill can be learnt and improved. This belief only prevents you from improving. Nobody was born as a public speaker.

"Public speaking fear is something you can't overcome"-I can give you so many live examples (including me) of people who successfully overcame public speaking fear.

"Your audience wants you to fail"- On the contrary, because most of the people are afraid to death of public speaking and many of them have tried it before, they will only appreciate your "courage" to stand and speak. People came to hear you - they want you to succeed.

A great way to succeed in life is by building an empowering belief system. The secret is understanding that you can CHOOSE what to believe. If this makes you feel interested, I suggest that you read my articles regarding belief systems.

3.3 Hypnosis

Hypnosis is considered a powerful tool to help with overcoming fears. It works directly with the subconscious mind, making the right "changes" to teach your mind not to be afraid.

Hypnosis can be done either with a therapist, or as it becomes common today, using an audio or a video that makes a similar job.

Hypnosis can be a good tool, but the problem that I have with Hypnosis is the fact that you don't really know and can't control over what the treatment is about.

Unlike NLP, you can't do it alone and you can't choose and decide what exact treatment to make.

On the other hand, you can feel free and not really care about learning and mastering technique. You just get the treatment, never care what it really does. If it works - you don't have the fear anymore. For some people - this is the perfect solution.

If that sounds and feels good for you, you can check my review of available products (some of them are totally free).

4. External work - dealing with the fear effectively

In the previous chapter, discussed methods how to overcome and eliminate fear of public speaking.

Therefore, there is no use for this chapter, is there? Well, maybe there is...

  • Even If you use the techniques we discussed (As I said, I recommend NLP), you might still have some public speaking fear.
  • Many people can't accept the fact that self-work can eliminate fear. I don't agree, but I can honor their belief. If you believe that the way to make achievements is via hard work, then I accept that and will show you ways to practice in order to deal with the fear.

In this chapter, I will give you tips to quickly help you dealing with the fear. I will divide them into 2 categories: What to do before the speech; and what to do during the speech.

Remember - Practice makes Perfect. As you implement what I tell you here, you'll improve, sometimes even rather rapidly. However - You Still Need Practice.

Unlike other guides, I will not give you a full list of tips. No one can't use so many. Just the best ones.

4.1 What to do before the speech

You don't have to be perfect

People are afraid of public speaking because they fear of mistakes during the speech. However, anxiety over mistakes only makes it more likely that mistakes will occur.

The best way to deal with mistakes is to accecpt the fact that youare not perfect, and mistakes are supposed to happen. Now, instead of being afraid, you can use mistakes to get feedback for future improvement.

Visualize the positive outcome

A good reason for which we are so anxious before the speech is because we visualize the speech, presuming that something terrible will happen. We may even do this subconsciously.

So, a good way to deal with our anxiety is to visualize the speech, this time in a positive way. Imagine the moments before the speech, how you feel secure and prepared. How you move slowly toward the podium. How you begin the speech. Try to hear your own words.

Visualizing will work on you internal fears and signal to your brain that everything is under control.

Put the past behind

Some people have speech anxiety because of past events. It could be even some humiliating event in the past. The way to deal with such incidents is the following:

If you can learn from it and improve - do it. If you can't, just forget about it and focus on the future.

Use mistakes to learn and improve, not to increase your fears.

Practice your voice and tonality

Speaking involves using your voice. If you use your voice and practice it before the speech, you will be used to speaking and will feel more confident about how your voice sounds.

Don't write a speech

One of the worst things you could do is to write a full speech. It will make you concentrated on the written words instead of on the speech.

Instead - only write highlights, know what your speech is about and what your main messages are.

This way, the page you are holding will only be a guidance, and you will be concentrated on the speech.

4.2 What to do during the speech

Remember to breath

Anxiety tightens the muscles in the chest and throat. With a restricted airway and without enough oxygen, your voice can come out as a squeak. Deep breathing, on the other hand, sends oxygen to the lungs and brain and expands the throat and chest, promoting relaxation. As you approach the platform, take a deep breath and relax. It will also improve your thinking processes. During the speech, whenever you feel anxious - remember to take a deep breath - It will immediately make you calmer.

Focus on friendly faces

During the speech, you might look at the crowd and see them as a large group of people. That may confuse you. Instead, focus on specific faces, you should prefer the friendly ones. This way your subconscious mind will feel as if you are having a conversation with a specific person. During the speech, move your eyes slowly and look at different people. It will also make the audience feel that you are talking with them instead of just giving a speech

Make Stops

Making a stop sounds something hard to do? You stop speaking, making a silent pause.

That is just great! It makes you look relaxed and confident, and gives you time to relax and remember exactly what you wanted to say.

Speak slowly

Speaking quickly and swallowing words is a mistake done by many speakers. It might be because you want to finish your words and have it all over fast. It might also be because you don't want to be interrupted by the crowed if there is a pause. Your quick heart bit is also a factor.

Anyway - speaking rapidly just makes you more anxious and gives you less time to think. Just speak S-L-O-W-L-Y. Relax, give yourself the time.

5. What to do next?

In this article, I gave you the reasons and factors that cause your Public Speaking Anxiety. I showed you the options available to deal with it.

We discussed methods to eliminate or at least weaken the fear and anxiety that are created in our subconscious mind.

To eliminate fear, I personally suggest that you learn NLP. That is a set of techniques and skills to work on your mind and develop excellence. It also gives you control and full understanding of what you are doing (Unlike psychological treatment or hypnosis).

I gave you the basics of how to use NLP to eliminate your fears. To be really perfect and find many more techniques - I suggest that you learn and master NLP.

In addition, we discussed belief systems and hypnosis.

For those of us who prefer the "hard work", I gave my tips on what to do before and during the speech to effectively deal with you anxiety.

If you want more guidance, I personally recommend you a book that was written by Benjamin van Spijck. It's called "Overcoming the fear of public speaking". It's written as a 21-days tutorial and will guide you step-by-step to eliminate the fear.

I wish you all the best, hope that you find the way to get rid of this frustrating feeling of fear and anxiety forever.

If you liked my article, you can get it in PDF and read more on my website:

http://www.bebetterarticles.com/overcoming-fear-of-public-speaking/

Tom Slavoda.

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11Aug/11Off

Are You Ready to Take on Gourmet Cooking?

Ok, you have mastered the standard cooking, are you ready to undertake some gourmet cooking? Are you ready master the art and intricacies of gourmet cooking? Do you have the patience to spend more time and more care on your cooking?

The best way to master the skills of gourmet cooking is to go to a cooking school to learn many of the skills required by form of cooking meals. Many good cooking schools employ cooks that have learned their skills in many different countries, especially from Europe and Asia in particular. Look for these schools to attend.

Many people who specialize in gourmet cooking will visit and train in other countries. Not only is it fun to visit other countries, but it is fun to enhance your skills as a cook and it is rewarding.

You will have to pay attention to detail if you are going to specialize in this form of cooking. Many people who eat these more expensive and labor intensive meals are rather picky, and will tell you what they think of their meal.

Not only will you learn to cook the food correctly, but you will also learn presentation, this is vital for people to really enjoy their meals. You will have to have an eye of an artist as well as their creativity.

While cooking good standard meals is enriching, cooking good gourmet meals while demanding they are also truly rewarding. Ask yourself whether you have the patience and the desire to master gourmet cooking.

Richard McDuff has been selling on the internet for 7 years. He has a website on cooking at #1 Meals on a Budget

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11Aug/11Off

Auto Repair Marketing – 4 Auto Repair Advertising Ideas

So, you want to get more cars in your shop to increase your revenues is that correct? Auto repair marketing via the internet is a great way to get more local customers into your shop! Online marketing has grown leaps and bounds in the last few years, and with phone books and Yellow Pages fast becoming obsolete, internet marketing is where the real profits are for auto shops. Here I want to share with you 5 auto repair advertising ideas that you can implement into your business to drastically improve the number of cars you service on a monthly basis!

1. You must have a website, and it needs to be designed using the WordPress platform. Most websites are basically just "flyers," but with WordPress you can create great looking websites, integrate a business blog, install a form that automatically acquires leads for you, and integrate your website with Twitter, Facebook, Youtube, and other online marketing channels. Sounds pretty cool huh? The sad part is that typically an automotive repair shop will hire a web designer, and he will design a website as cheaply as possible and charge a large sum for the work. The web designer is not a marketing consultant, so instead of designing a marketing machine based on tested internet marketing principles, he simply designs a static site that is not conducive to internet marketing. I see it all of the time when I am look at people who are pushing auto repair marketing services.

2. One of the best auto repair advertising ideas revolves around social media. Websites such as Twitter and Facebook are really taking off, and smart auto shops are using these auto repair marketing platforms to promote their business and acquire new customers. The obvious question is "how can an auto repair shop benefit from Twitter and Facebook marketing?" Those sites are for kids right? Wrong! Facebook has millions of adults logging in on a daily basis, as does Twitter. By being on these sites, you are instantly in front of a large portion of your local or regional audience. Guess what happens when Sally needs a new transmission, brakes, etc. and she sees your businesses profile on Facebook? You have a new customer! Do a good job repairing her vehicle, and she comes back time and time again. This one person seeing your business profile on Facebook or Twitter could easily be worth thousands of dollars to your business!

3. Your website needs to appear in local search results on Google. It is not easy to get listed on the first page of Google and Yahoo, but with some good marketing it can be done. For instance, I am an independent marketing consultant in Atlanta, and I rank #1 on Google for the term "Atlanta independent marketing consultant." In addition to this, I rank #2 on Yahoo for "Atlanta marketing consultant." Trust me, having your website ranking highly for local keyword phrases can bring you a ton of new business! This is auto repair marketing at its finest! I have beat out over 2,000 websites to get those rankings, so don't you think I could help your auto repair shop marketing efforts?

4. Another great auto repair marketing idea is writing information articles and press releases. I imagine you do not have the time to write articles, and certainly do not have the time to put together a well written press release. The good news is that you can get marketing firms to do this for you at a very reasonable price. I have written hundreds of articles promoting by marketing consulting business, and I can tell you it is an impactful and very affordable method to market your auto repair shop online.

These are just a few auto repair advertising ideas that you can add to your auto repair marketing arsenal. The best thing is to hire a professional marketing consultant who can come in and show you step by step exactly what you need to do to turn your internet marketing efforts into a cash generating machine for your automotive repair business!

Do you want to take your auto repair business to the next level with a serious internet marketing campaign designed specifically to get more vehicles in your shop, and put more money in your pocket?

To find out exactly how to harness the power of the internet to turbocharge your marketing efforts and slash your advertising budget while producing greater results then visit http://www.matthewlordconsulting.com. We help auto repair shops nationwide with their marketing needs!

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10Aug/11Off

How To Replace Or Repair Your Car Engine

If you have a car then you must know that keeping it in perfect condition is a hard task as your car requires constant maintenance right after you have bought it. The car engine and the various other parts of your car can start wearing down within a few months of using it, so you need to stick to a proper schedule of maintenance and servicing for your car engine and motors. The question about replacing or repairing worn out engines would depend upon the actual circumstances and the condition of your car.

Automotive motor repair and engine replacement can be very expensive, so you need to understand the various parts of your car and educate yourself about the engine requirements to avoid untimely repair and engine replacement of your car. The car engine, brakes and brake liners suffer innumerable wear and tear and generally break down easily, so you need to look out for their maintenance regularly and keep yourself updated about your car health.

You should regularly put your car for engine tune up and examine the ignition system and emission controls of your car, so that the motors of your car remains in healthy condition and your car engine runs smoothly for a longer time. However, sooner or later, problems would arise and you would certainly need to replace certain parts of the ignition system such as the contact breaker and distributor cap or rotor button. Adjustments in the cylinder head bolts and the replacement of filters and spark plugs may also be necessary, so you need to check with your car mechanic to find out more about your car engine and regularly replace parts that are worn out. New vehicles do not need regular engine tune-ups and can run smoothly for years without replacement or repairing, however, you must not take any chances and regularly send your car for servicing.

At times, even with proper engine tune ups, you would find that your car engine is wearing down and may even breakdown eventually. When this happens, you would have to decide about either replacing your car engine or repairing it to drag on for a few more years. Of course, you need to understand that engine repair is only possible if your car engine is still repairable, otherwise you would have to replace your motor engine. Motor repair is possible for cars that produce strange noises and have locked up engines, but for engines that have totally broken down, it is recommended that you go in for engine replacement.

You can replace your car engine with a branded engine or you may try out the affordable used up engines that are available in the markets. Though most servicing mechanics would ask you to buy brand new engines, however, if you are low on your budget, then you may also try out the revamped engines that come in for much cheaper prices. However, whatever may be your choice, ultimately it is the life of your car and your motors that has to be kept in mind while deciding on whether to replace or repair your car engine.

American Engine installations are expert Atlanta engine rebuilders and installers. With over 20 years of Atlanta engine installation experience AEI offers quality service and affordable prices to all customers and vehicle types. Call AEI Today!

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10Aug/11Off

Your New Cat: Why Are the First 24 Hours So Important?

The cage was small, but the people were nice and Tiger felt safe. He was fed, petted and regularly groomed. Still, it wasn't home. Tiger had been 'home', and still had vague memories of the woman who had cared for him and the other cats who lived with her.

Then he had been taken to this place, and had been here so long he had almost forgotten 'home', and the woman.

There was uneasiness here, though, and Tiger felt it. Something was about to happen. Something bad.

Then two humans came in. He was put in a cage with them. He jumped up in the woman's lap. He was put in a dark place that bumped and jostled him. He heard strange, scary noises. He howled, and a male voice answered with noises he couldn't understand.

Then there was light. And TERROR!

A small hand reached for him and tried to grab him. There were people he didn't know; they all approached him. There was another cat that arched and spat.

Then, horror of horrors...

There was a dog!

Tiger fled. He fled down a long corridor and bolted through the first open door he found. He hid in the darkest place he could find...among soft and hard things he didn't recognized. He heard voices. He heard the dog bark, and he shuddered. He heard the child's high pitched voice, and a woman's voice...which were easier to bear.

He hunkered down and remained as invisible and silent as he could.

Adoption in Haste

The staff of animal shelters greet people looking for new pets with both joy and misgiving. People walk between the cages, looking over each cat, and the staff hope they will select a cat that has been there for a long time.

But they know what the people are looking for; they are looking for kittens, not adult cats.

If there are no kittens, the customers will sometimes reluctantly choose an adult cat as a "consolation prize", pay the adoption fees and cart him or her off...

Only to return the cat two or three days later.

"I'm sorry, but this cat just didn't work out. We couldn't fit it into the family."

Or...

"This cat is just too wild. We need something tamer, something that will fit in."

"What happened?" The staff member asks.

"The cat bolted and hid. It took us three days to find it, and when we finally did, we had to chase it all over the house before we caught it. We need something tamer; something that will fit in better."

So go the sad tales of the returnees... but wait, it can be worse for cats adopted in other ways.

"The landlord won't let me keep her, could you please take her in?"

People who adopt strays off the street, or a friend's cat, many times don't realize the full extent of the things they need to do for their new cat:

o Prepare their house to receive their cat

o Take care of their cat's medical needs

o Make sure their other cats have protection from disease

o Take care of their cat's physical needs

o Properly introduce their cat to their live-in companions, children and other pets

And perhaps most importantly:

o Prepare themselves for a good relationship with their new cat

People who have never owned cats before don't really realize what a cat is: A highly intelligent, independent animal which needs love and affection daily - but is not a dog.

Cats will bond with people, just as dogs do, but they don't always bond with the person who has adopted them. They will choose whom they like, much to the consternation of the person who "picked them up" hoping to have acquired a new friend.

This is one very good reason why the first 24 hours is so important. It is in during that period that your cat will decide whom she wants to bond with.

Unless you know what you are doing, it might not be with you.

Time

A cat needs time spent with her. One of the big mistakes busy people make is to fail to realize that they have busy schedules that don't allow them to spend enough time with their newly adopted cat.

This could ultimately result in your cat running off. If you have no time to spend with your cat, she will not choose your house as "her den". She will go out searching for another one, and you could be soon reporting a "lost cat".

Or, to your consternation, you will find that the cat you thought would be a loving companion has bonded with another member of your household...somebody who did have the time to spend.

Money

A lot of people don't count the cost of pet ownership. In their exuberance to adopt a cat, they forget that they don't have the budget to keep her. Belatedly, they discover they don't have the cash on hand to buy their new feline's basic necessities or give her the medical attention she is most certainly going to need.

Many people shun pet medical insurance, not realizing that the same things that happen to people happen to cats, and can cost large sums of money to cure. This can result in losing their beloved pet because the price to save her is "just too high".

Medical Needs

Some people who adopt strays or cats owned by friends don't realize the full extent of the medical attention their new cat needs:

o A complete physical examination

o A complete vaccination regimen

o Spaying or neutering

In particular, that cute kitten you brought home from a friend's litter will need a long series of vaccinations (along with boosters) that will extend over a period of a couple of years. You can't do it all in one day.

To fail in this will almost assuredly mean tragedy down the line. I know. I failed to give one of my kittens its vaccinations. I made it an outdoor cat, and it died of feline leukemia. The story definitely had a very sad ending...

Your cat's physical needs

When your cat climbs out of the carrier box for the first time, will you be equipped with the essentials?

Or, will you discover that you need these things later...and bring them in one at a time, after your cat has defecated in the corner, started scratching the furniture, or begun some other unauthorized behavior you are not prepared for? (And, be advised, a cat is a very obsessed animal...once she starts doing something, it is very hard to change it).

Making sure you have what you need to receive your new cat is vital...and you must have the basics on hand before you bring her home.

First introductions

So, when your cat first climbs out of her carrier, is she going to be set upon by every member of your household all at once? And when she does, will she flee in terror, trying to find the safest and darkest corner she can find?

Or will you introduce her gradually... to try to reduce the trauma as much as possible so she can adapt to and feel at home in her new situation?

Your technique for doing that can be a deciding factor in whether or not your cat adapts to your home immediately, by the next day or the next month, or flees the house altogether.

The days to follow

Do you know how to take care of your new cat in the days to come, assuming you handled your first introductions well? Do you know about allergies, special foods, bathing, grooming, hair balls, removing urine, training and teaching without frightening and alienating her, and a multitude of other situations cat owners wrestle with on a daily basis? Do you know the hazards involved in letting her become an outdoor cat?

Be prepared

As you've often heard, 'preparation is the key to success', and nowhere does that apply more appropriately than to cat ownership. If you are prepared, your adoption will probably go very smoothly.

I say probably because every cat is different. Even with the best preparation by a knowledgeable owner, a cat may still want to hide for awhile. And if you discover that's the case...

You need to know what to do.

The Key

So, that's why I wrote my book, "Your New Cat's First 24 Hours", http://www.yourcatsecrets.com, to give you everything you need to know and have, not only to get ready for your new cat and introduce her to your household, but to understand and care for her in the days to follow.

I've got to say it again: preparation...and knowledge... is the key. When you decide to adopt, I hope you won't do it in haste.

I hope you will do it knowledgeably and with understanding.

John Young is a writer and a cat lover, having owned one cat or another since he was four, and that was over 57 years ago. He is the author of the E-book: "Your New Cat's First 24 Hours", which is filled with information to help you introduce your new cat to your household and care for it from then on. John's book is available on-line at: http://www.yourcatsecrets.com. He also has a free newsletter: "Your Cat's 9 Secrets" which you can subscribe to from his Web site.

Article Source:
http://EzineArticles.com/?expert=John_Young

9Aug/11Off

Celebrity Babies Experience Amazing Start in Life

Celebrities influence our lives to a great extent. Their lifestyle, dressing style, eating habits and everything about them fascinates people a lot. Celebrities enjoy the fame that other successful people in other fields do not enjoy. They wear designer clothes, drive expensive cars and live in homes which are no less than palaces. In simple words one can say that celebrities live in a lavish style which normal people can only think in their dreams. Money earned by celebrities is just incomparable to the earnings of a person doing some job in a company. One can say that celebrities will be celebrities only and they can never ever understand that life is so much difficult for rest of the people on this earth.

When you are rich and famous, it is never too late to start a family. Celebrity babies are born lucky. They inherit all fame and name from their celebrity parents. Celebrity babies are born celebrities. They need not do anything and still they will get everything. This is biggest advantage of being a celebrities child. The day celebrity babies are born they will find places in newspapers and magazines. Whether it is their birth or their first day in school, all magazines will be talking about celebrity babies only. It is very true that not just celebrities are excited about their new born babies but their fans and other people as well.

Just like celebrities keep themselves stylish and update, same is the thing with their children. They want their kids to be known for every small thing they do. This is the reason why they keep their children names so unique. You will never find celebrity babies with general names. Like everything else their names are also extraordinary. For instance Chris martin and Gwyneth Paltrow has named their first child "apple". It may sound quite weird to people at first but when you get to know that apple is a celebrity child everything seems fine then. This is the magic of celebrities I guess. Whatever they do people find it impressing and unique.

Celebrities are the ones who set trends and bring new things into the market. A person will readily buy something if some celebrity has used it earlier. This is the mentality of people from different countries and it can not be changed. People will love to follow the trends being set by celebrities. Now not only celebrities set trends but celebrity babies also give their contribution in setting trends for babies in rest of the world. Usually celebrities used to promote different brands of apparels and jewelry in order to increase the users of that brand. But now days they are even promoting things related to babies either along with their kids or when they are expecting. People want to buy those brands which celebrities use for their kids. It is just like celebrities letting people know what they use in their real lives.

But everything is not that amazing as much it appears to be. Celebrity babies enjoy many luxuries but they lack something which other kids have. They lack their privacy. Whatever they do it will become the headline of the next day newspaper. They cannot do anything with their own choice. They need to keep in mind what people will think of them while doing anything. Also it has been seen that celebrity babies have loads of pressure from their celebrity parents right from the moment they are born. You might think that being a celebrity kid is the biggest gift that nature could have gifted you but give it a thought once again.

It is very true that celebrity babies have amazing start in life but as they grow older things do not stay that amazing. Enjoy your life to the fullest and remember that no parents are less than celebrities.

Article Source:
http://EzineArticles.com/?expert=Yukti_Tuli

8Aug/11Off

Great Family Camping Trips Make Excellent Traditions

A wonderful way to invest in your families' treasure trove of memories is by spending time in the great outdoors. Camping trips can be an excellent tradition that your family will look forward to and in time, look back upon with fond memories.

Whether you plan to camp at the same place every year or seek out new places doesn't matter as camping is always filled with new adventures. Your family might have a favorite place you go to every year mixed with a new spot you select together for another weekend or extended holiday during the year. There are so many national parks to explore; your options really are quite limitless.

Camping doesn't have to be an overly expensive expenditure. Again this all depends on how you'll be camping. Camping in a tent carries a completely different dynamic than camping in a fully equipped camper. Camping in a tent is also relatively inexpensive. Perhaps the camper is something you'll decide to invest in after a few years of tent camping, then again there are some who prefer to only go tent camping. There's something to be said about the rustic quality of sleeping in a tent, you can hike to far off remote spots where you couldn't get to with a camper in tow.

Regardless of how you'll be camping you'll want to have the proper camping gear and accessories. First off you want to have the best tent and sleeping bags you can possibly afford. As your tent will be your home away from home for your trip and your sleeping bag will keep you warm and covered for those long nights under the stars (there are tents available that have mesh roofs for star gazing, of coarse if it starts to rain, you can just cover it up with your tent fly), you'll want to be sure that both these items keep you appropriately covered so to speak.

Next you'll want to have proper camp accessories; a trustworthy camp stove, a lantern, flashlights, a first aid kit, tarp, cooking and eating utensils, a little axe (for chopping firewood, also doubles as a hammer for hammering in tent pegs), some rope (for clothes lines and securing tarp), and cooler. Along with your sleeping bag you'll want to remember comfy pillows (unless your backpacking then you might want a convenient inflatable pillow) and very importantly a good sleep pad. An uncomfortable sleep experience on hard ground may steer you off tent camping altogether, so come prepared, a good sleeping pad is worth its weight in gold. A good idea to help you remember all these items is the camping check list.

It's a good idea to store your camp gear in some plastic containers. This way it's all in one place (with your camp list included), so when it's time to pack up and go camping you can go through the containers making any necessary additions needed. It's very important to check that all your equipment is properly maintained and cared for; there is nothing worse than getting to your destination and finding that your camp stove is not working. You'll also want to be sure that your camp fuel supply is replenished and you have extra batteries (for flashlights, lanterns or radios).

One of the best things about the whole camping experience is the food. Now depending on where you're camping and what time of year it is, if you're lucky you'll be able to do some of your cooking around the campfire. During dry seasons there may be fire restrictions due to forest fire concerns, if that's the case you'll do all your cooking atop your camping stove. Every meal always seems to taste a bit better when you're camping, it might have something to do with all the fresh air, or maybe all the fun activity builds up you're appetite, either way you'll want to bring along some family favorites. For dinner maybe some grilling of the families select choices, accompanied by some corn on the cob and potatoes wrapped in tin foil cooked on the coals with a nice salad and later for dessert smores (marshmallow and a slice of chocolate sandwiched between two graham wafers), add to that some hot chocolate before bed and that's a night of food to dream about.

The activities (or lack of activities) will also make your camping trip one to remember. Hiking, kayaking, cycling and sailing might be on your agenda. Most parks offer excellent groomed hiking trails. Research in advance the area you will be visiting to know what activities will be available, you may be able to rent a kayak and take a lesson at the same time. Many areas also offer great bike trails that the family can cycle on together. A late night walk is among favorite suggestions; you can check out the stars and just listen to the silence.

Bring along a book you've wanted to read or some magazines. Games are another excellent pastime, a deck of cards or a board game might be some fun. Of course you can always bring along some baseball gloves and a ball for a game of catch. Soccer balls, badminton rackets and a net or volleyball and net all make for a fun day at the park.

If your family has little one's you'll be presented with a whole new challenge. Depending on the ages of your babies or toddlers you'll want to pack some extra conveniences. There are excellent baby back carriers available allowing you to hike all sorts of terrain with baby in tow while keeping your back feeling comfortable, as well there are a numerous variety of baby strollers to select from which are great for using on trails. For toddlers you may want to bring a playpen to keep baby safe. You can never bring too many toys; the more your child has to keep them entertained you can rest assure they will be more content.

Be prepared for weather changes by bringing along extra clothing. Most likely you will be camping in the warmer spring, summer and fall months. It's wise to remember however that the evenings can often get quite cool. Bring along heavy sweaters or extra jackets for added warmth, it can never hurt to bring along a couple of extra blankets for comfort beside the fire (or for use at a day picnic). Rainwear is another excellent addition to your camping wardrobe. With good quality rain jackets, hats, rain pants and boots you can take advantage of the rainy weather and actually go out for a hike rather than staying inside the tent or worse yet ending your camp trip all together.

Camping certainly has its challenges. Knowing what to bring and having the proper equipment and accessories is the first hurtle. Once you arrive at your destination and set up you want to keep everyone as comfortable and happy as possible, whether it's keeping the kids occupied without the use of video games or cooking a surefire dinner. Rest assured that after your first couple of trips when you find out what everyone enjoys doing and you realize all you like to include on your trip, you will certainly add camping to your families list of favorite excursions and traditions. The wonderful thing about camping is its always different, perhaps the site is different or the campground you selected is unique to the last you stayed at, whatever the difference is it always seems to be an adventure that the whole family can enjoy.

Best Camping Supplies is a camping resource site owned and operated by Valerie Giles. It features tents [http://www.best-camping-supplies.com/camping-tents.htm], campers, fishing gear, boats [http://www.best-camping-supplies.com/boats-and-kayaks.htm], kayaks and outerwear, making your camping experience enjoyable. Everything for camping enthusiasts at reasonable prices! http://www.best-camping-supplies.com

Article Source:
http://EzineArticles.com/?expert=Valerie_Giles

7Aug/11Off

Educational Problem Solving

Abstract

This article introduces the educational solutions module of the world's most recent personal and professional problem solving site, describing competitive offerings, the customer profile, problem-oriented solutions, target markets, product offerings, and usability features. It concludes that the module is a major contribution to the information superhighway.

Introduction

The aim of this article is to introduce to the world the educational solutions module of the world's most recent personal and professional problem solving site. The article is addressed to those readers who may have an educational problem bogging them and who may therefore be looking for a way out of their predicament. The reader may be a parent, child, or student.

It is a common fact of life that we all have problems and that we are often frustrated or we tend to lash out because of our inability to find accessible and reliable information about our problems. This specialist site fills this need - as our pragmatic friend for solving our educational problems.

To be of the greatest use to people a problem solving site must combine pragmatic discussions of their personal or professional problem with merchant products that provide more detailed information. Typically, the web site will provide free information in the form of news, articles, and advice, which direct the visitor on what to do to solve her problems. Complementing this, the web site will also provide merchant products which discuss in detail how the visitor can go about resolving her problem. This means that the most effective, visitor-oriented problem-solving site will be an information-packed commercial site - and so is the world's most recent personal and professional problem solving site and its specialist sites.

The approach that we have adopted below is to describe competitive offerings, the customer profile, problem-oriented solutions, target markets, product offerings, and usability features.

Competitive Offerings

The following are the top educational sites on the Internet, along with their offerings.

US Department of Education. It defines the US education policy and provides information on financial aid, educational research and statistics, grants and contracts, and teaching and learning resources.

Educational Testing Service. It provides a range of test resources.

FunBrain.com. It provides educational games for K-8 kids.

PrimaryGames.com. It provides fun learning tools and games for kids.

GEM. It provides educational resources such as lesson plans and other teaching and learning resources.

Education World. It provides advice on lesson plans, professional development, and technology integration.

NASA Education Enterprise. It provides educational materials and information relating to space exploration.

Spartacus Educational. It is a British online encyclopedia that focuses on historical topics.

Department for Education and Skills. It is a UK government department site that offers information and advice on various educational and skills topics.

Times Educational Supplement. It offers teaching news, teaching & educational resources, and active forums to help UK teachers.

All these sites are useful in the domains that they cover. Their main limitations are as follows:

1. They tend to cover only a very narrow segment of the educational market.

2. They do not take as their starting point the daily educational needs of the typical family.

3. They lack a problem focus; i.e., they do not formulate the typical learning and educational problems that pupils, students, and parents face on a daily basis.

4. As a result of the preceding point, the solutions offered are not as incisive (i.e. as problem-centred) as they could be.

5. They do not offer merchant products that deepen the visitor's understanding of her problem and of the consequent solutions.

The educational solutions module of the world's most recent personal and professional problem solving site addresses these problems by targeting a multiplicity of market segments, adopting a customer profile that fits the typical education-pursuing family, considering the specific needs or problems that this family may face, offering incisive (problem-centred) solutions to the various problems, and offering a range of merchant products that deepen the visitor's appreciation of her problems and of the solutions that are applicable to them.

Customer Profile

The customer profile or target visitor characteristics of the educational solutions module is the same as for all specialist sites of the world's most recent personal and professional problem solving site. The site has been designed to meet the needs of visitors who have an educational problem bogging them. It is designed for both males and females, even though it is often convenient to refer to just one sex when writing.

This visitor uses search engines to research information about her personal or professional problem, with the intention of finding solutions to it. The visitor is serious about solving her problem and is therefore willing to buy products that help her to achieve her mission, provided that she can find reliable and honest information about relevant products so that she can make an informed decision about which ones to acquire. This information will help her to apply her finances economically, and hence avoid wasting money.

The visitor will want a money-back guarantee so that if a product does not live up to expectations or if she were misled into buying a product she can get a refund. Such a guarantee absolves her of purchase risks.

The visitor is intelligent (without necessarily being a genius), educated (without necessarily being a PhD), computer literate (without necessarily being a computer guru), and money-minded (without necessarily being a freebie hunter or an unemployed person). This of course does not mean that freebie hunters or unemployed persons cannot gain a thing from the site. To the contrary, there is a great deal of free information on the site. Just that it is hard to see how anyone can gain the full benefits of the site without buying products.

The visitor wants high quality information products (usually in digital form) and wants to pay the cheapest price for these (without paying so much emphasis on price that she compromises quality). The visitor also wants free bonus offers that are attached to the purchased goods.

The visitor is self-reliant and can cope on her own by reading, digesting, and applying advice about her problem until she solves it or discovers that she needs help from a professional, at which point her acquired knowledge will help her to reduce her consulting fees. As a result of the knowledge gained, the visitor will be able to assess consultants in order to avoid incompetent or fraudulent ones.

Problem-Centred Solutions

Our free solutions are organised in the form of pragmatic articles that are written by top experts. Each article addresses a specific daily problem, but does not go into detail. It explains the problem and tells the visitor what she must do to solve her problem. However, it does not tell the visitor how she must solve it - this is too much for an article. To find out about the how, the visitor must buy a product (usually an e-book or e-book set) that goes into greater depth.

The set of educational articles that we have chosen, to provide initial solution to a visitor's problem are as follows:

Signs of a Gifted Child - Informs parents on how to identify whether or not their children are gifted.

Essential Parenting Lessons for Enriching Your Child's Education - Teaches parents how to enhance their child's education.

Using Positive Affirmations to Be a Better Student - Teaches students how to use positive affirmations to improve their performance.

They Are Just Afraid of Writing - Teaches writing skills to students

How Can Parents Encourage Their Children to Read? - Shows parents how they can improve their children's reading skills.

Test Preparation Tutoring - Discusses the topic of tutoring students to prepare for tests or exams.

Test Taking Strategies - Discusses various strategies for taking and passing tests or exams

Playing and Winning the Scholarship Game - Describes how to win scholarships.

How to Get a Scholarship to a UK University - Describes how to win scholarships to a UK university.

Saving Money for College - Instructs students on how they can save money in preparation for college.

Student Loans: When Your Educational Dreams Can't Compete with the Cost - Explains to students the benefits of a student loan.

Education Loans Can Fund a Higher Degree to Boost Your Career - Also explains to students the benefits of a student loan.

The Secret to US Department of Education Loans - Teaches students how to get a US DoE loan to finance their higher education.

Student Loan Consolidation - Save Money, Pay Less, Spend More - Explains to graduates how to make use of loan consolidation to reduce their student loan repayments.

Higher Education: Finding the Right College for You - Explains to students how to find the right college or university for their higher education studies.

Mobile Learning - An Alternative Worth Considering - Explains the concept of mobile learning and its place in education.

Online Degrees - Is Online Education Right for You? - Analyses the merits of online learning as compared to traditional learning.

An Online College Education Overview - Reviews the whole concept of online learning.

Finding the Right Quotation for Your Paper or Speech Online - Shows writers and speakers how to find the right quotation to use in their writings or speeches.

Collaboration: An Important Leadership Development Skill - Explores the useful concept of collaboration and its role in leadership development.

At the end of each article is a list of merchant products that supplement the article's content. A link is also included for accessing the educational product catalogue.

Target Markets and Product Offerings

Now let us turn to the target markets and their associated product offerings. We have positioned the segments to address the various needs of a visitor over a period of time, and at any given time a customer may belong to one or more of the market segments. There are three general classes of products offered: ClickBank products, Google products, and eBay products. Google and eBay products are presented on each page of the site. ClickBank products are grouped into product categories that match the target markets. These categories and their markets are as follows.

Children and Parenting. This consists of visitors who want parenting solutions for improving their children's upbringing. Their needs are met through the Children and Parenting section of the educational product catalogue.

Difficult Admissions. This consists of visitors who want to learn how to get admission into top universities. Their needs are met through the Difficult Admissions section of the educational product catalogue.

Esoteric Needs. This consists of visitors with unusual needs. Their needs are met through the Esoteric Needs section of the educational product catalogue.

Financial Aid. This consists of visitors looking for scholarships, grants, or loans. Their needs are met through the Financial Aid section of the educational product catalogue.

Leadership Skills. This consists of visitors looking to develop their leadership skills. Their needs are met through the Leadership Skills section of the educational product catalogue.

Learning. This consists of visitors who want to improve their learning ability. Their needs are met through the Learning section of the educational product catalogue.

Mental Speed. This consists of visitors who want to explode their mental speed. Their needs are met through the Mental Speed section of the educational product catalogue.

Positive Affirmations. This consists of visitors who want to transform their negative dispositions into a positive mindset in order to improve their performance. Their needs are met through the Positive Affirmations section of the educational product catalogue.

Speaking. This consists of visitors looking to improve their speaking skills. Their needs are met through the Speaking section of the educational product catalogue.

Tests and Exams. This consists of visitors looking to master exam technique. Their needs are met through the Tests and Exams section of the educational product catalogue.

Writing. This consists of visitors looking to improve their writing skills. Their needs are met through the Writing section of the educational product catalogue.

Usability Considerations

Usability has been enhanced to make it easy for the visitor to find solutions to her problem, by following these steps:

1. The first thing the visitor sees are a set of articles whose titles represent the specific problem area they address. The articles are accessed from the Educational Problem Solving menu of the navigation bar to the left of the screen or from the Educational Problem Solving main page. By scanning these articles the visitor can identify whether or not her problem is covered. If not the visitor can check the educational product catalogue through the Product Catalogues menu of the same navigation bar, to see whether a product exists that answers her query. If she finds nothing she knows that her problem is not addressed. She can proceed to the Related Sites pages, which are accessible from the left navigation bar.

2. If the visitor finds an article that addresses her problem then she can begin to explore that; at the end of the article she will find products that discuss her problem more deeply. She can also access the educational product catalogue through an article page.

Conclusion

This article has introduced the educational solutions module of the world's most recent personal and professional problem solving site. The article has examined competitive offerings, the target customer profile, problem-oriented solutions, target markets, product offerings, and usability considerations. It concludes that the module is a major contribution to the information superhighway.

A A Agbormbai is the editor and webmaster of Personal and Professional Problem Solving - a web site that fills a vacuum on the Web. He has a PhD from Imperial College London and enjoys an interdisciplinary upbringing having worked or studied in aerospace engineering, information systems development, and management. The educational solutions module is one of many specialist sites of Personal and Professional Problem Solving.

Educational solutions module - [http://www.triplacc.com/educational/education.html]

Educational product catalogue - [http://www.triplacc.com/products/educational-pc.html]

World’s most recent personal and professional problem solving site - [http://www.triplacc.com/]

Article Source:
http://EzineArticles.com/?expert=Adolf_Agbormbai

6Aug/11Off

Childcare Costs Gone Up? Use Childcare Leverage To Help Out

Childcare benefits are no longer what they were

Childcare benefits are no longer keeping up with what childcare actually costs. This is even looking around for the cheapest in your local area. The childcare costs are going up along with everything else. The only things that are not going up are salaries. Many have not received increases of any kind and are unlikely to for a few years. So in effect they are taking a pay cut every year that passes. Jobs are no longer around as in the past with much higher salaries. This is a thing of the past. Others are taking pay cuts or working less hours because of their employer.

So the outcome is the difference between the childcare costs and the childcare benefits received has to be made up by the family. This is putting a heavy burden on how to make ends meet. Family finances are being stretched to the limit. And some of the options that were never considered in the past are now being looked at. This is how serious the problem is now for some and about to become for many more in the future over the coming years.

Some are no longer eligible to receive Childcare Benefits

And to make it worse some families in the UK are no longer eligible to receive childcare benefits. This is because of how much they earn. Some of going are to be hit very hard. This is just because the sole family income earner generates income just over the childcare cut off point. And yet if the family has two salaries they can still receive the full childcare benefits if they still earn less than the cut off point for a two salaried family. Who trusts politicians?

So the outcome is some families will be facing life without the full childcare benefits. This will put even more pressure on the family finances. The other parent usually the mother will now have to consider how best to make up this family income shortfall.

Use childcare leverage to now get the best of both worlds

Many consider that the only option is to take up part time jobs locally to make up any shortfalls in the family income. Yes, for some it is a solution. But the problem is these are often low paid jobs and many of them still incur some travelling costs. These are often menial jobs. You would not be valued especially if you have been use to working very much on your own. That is set you own tasks and daily schedules etc. So the chances are you would not enjoy doing these types of jobs.

What you want is to do something that interests you and above all you have complete control over. The trouble with any normal job, you are only paid for doing what you do once. That is for every hour you work you are only paid a set hourly agreed rate. These is even when some people are allowed to work some of their agreed hours at home. This is what is called linear income. This is what people in the know and those that make serious money try to avoid. And to make it worse there is only so much you can earn. The reason being it is based on the number of hours you put in. You can only do so many hours in any particular week.

Yes, there an alternative. Many are not aware of this. It is what is called residual income. That is you only do something once yet you are paid again and again for it. So now there is no limit on how much you can earn from having done something once. You can do the same again and again. And each time you can earn even more. Ideally you are looking to do something like this around your kids at hours to suit you. That is look after the kids and when you have any free time, you can do something once that will set up additional passive incomes for you and your family. What you don't want is to set up a traditional business as you will simply be tied to it. There is no escaping with a traditional business. You are now working for your business full time and how can you look after your kids at the same time? Any way who wants the risks associated with a traditional business. That is why the way forward is childcare leverage, using passive incomes. That is doing something around you and family at times to suit you. You can stop doing it at any time you want, to look after the kids. This can also be done from anywhere even on long holiday breaks of a month at a time.

Discover how to use residual incomes to your advantage while looking after the kids by going to childcare

To find out more about Netmums income leverage, Chas Blandy runs this highly popular website => http://www.multistreamsofcash.com/netmums.html on how to set up passive incomes that very much look after themselves.

Article Source:
http://EzineArticles.com/?expert=Chas_Blandy

5Aug/11Off

Tennis Lessons – Books, DVDs, And Videos To Improve Your Tennis Games

Nowadays, it is fairly easy to get and find resources to help improve your tennis games. This resources, besides hiring a instructor come in the form of books, dvd's and even videos. Just type "tennis lessons" on Google or Amazon and you will find large selection of these items. This article will outline some of the more popular resources available today.

The books, dvd's and videos presented are designed for and will benefit both beginners and advanced tennis players alike. One might call it a collection of resources to help enhance the level/s of your tennis games and for an overall enjoyment and satisfaction for the game.

1. How To Play Tennis: Instructional Videos For Tennis Beginners. This lesson is best for tennis beginners. It consists of 49 step-by-step tennis instruction videos covering all 6 basic strokes in tennis:

# forehand groundstroke

# backhand groundstroke

# serve

# return

# forehand and backhand volley

# overhead.

The videos cover all the basic strokes listed above and offer playing tips to jump-start your tennis game. Plus a whole lot more.

2. Tennis Stomper: The Ultimate Tennis Training Rolodex. Featuring 57 Tennis Specific Exercises Incuding Over 150 Photos, Step-by-Step Descriptions, Plus A 33 Minute Video

3. Tennis Mind Game Tennis EBooks. About Strategies And Mental Toughness That Will Help You Win Even Against Your Toughest Rivals.

4. Insider Tennis Strategies And Tactics. Improve Your Tennis Game With Insider Strategies Of The Top Players. Improve your tennis game with insider strategies of the top players. With insider tennis strategies you will be understanding tennis so well - you'll outsmart anybody, anywhere, anytime!

5. Renegade Mindset Techniques For Tennis - Mental Game Mastery. Cutting-Edge Tennis Psychology Technique. This is a mental game mastery with cutting-edge tennis psychology technique. You'll find out why most players will never reach their true potential and how you can quickly and easily transform your game, leaving your opponent dazed and confused; they'll be begging to know your secret!

Again these are just a few of the most popular tennis lessons available online today.

All rights reserved. Article may be re-printed as long as the content remains intact, unchanged, and the link remains active.

Ness Dorig has written many articles about sports and recreation and is a webmaster of a website offering news and information regarding tennis lesson resources to help improve your tennis games. If you're interested in learning more about tennis lessons be sure to check it out.

Article Source:
http://EzineArticles.com/?expert=Ness_Dorig

5Aug/11Off

Are You Ready to Own Your Own E-Commerce Business?

Starting a business is exciting and nerve-wracking. It will be one of the biggest investments you'll make during your lifetime. Not just financially, but emotionally as well. Doing it right will mean taking on a lot of responsibilities and making a lot of sacrifices. It will also mean working harder than you ever have before.

For these reasons, business ownership is not for everyone. If you don't have the right skills, personality, and commitment to operate a business, you'll be in trouble before you make your first sale. So before you begin planning your E-Commerce business, you need to take a hard look at yourself, your family, and your finances, and give honest answers to some very important questions.

The following questions will help you weigh your personal characteristics and beliefs against the realities of business ownership. Don't worry if you find that a few of the questions reveal doubts or weaknesses. Nobody is a perfect match for any profession. But if you find many of the questions troubling, you may want to rethink your decision to go into business.

1) Are you willing to take the responsibilities of operating your own business?

Forget the tidy little set of responsibilities that came with a position in corporate life. When you run a business, you're in charge of everything--from opening the doors in the morning to cleaning up at night. Then when you go home, you worry.

The hours are long, there is a high degree of stress, and there is always too much to do and not enough time to do it. You'll have to deal with your customers and your employees. You'll be responsible for the finances of the business and dealing with taxes. And you'll need to fill out a lot of forms and sign a lot of checks.

Make sure you understand what you're getting into. As a business owner, you'll have more responsibilities than you have had before, no matter what your previous jobs have been. If you understand this simple fact, you'll be ready to take your responsibilities on.

2) Are you comfortable making hard decisions?

As the owner of a business, you'll also have to make many decisions that affect the business, your livelihood, and that of your employees. Many times thev/11 is tough to make, including the decision to lay people off if your business falls on hard times. It will require decisiveness, mental toughness, and resolve. If you have trouble when faced with tough choices, this could be a problem area.

3) Do you think owning your own business is the road to easy money?

Think again. Many people actually end up sacrificing income to open their businesses, at least at first. That's the price they're willing to pay for independence.

If you're thinking of giving up a promising career and a lucrative income to start your business, be realistic about what your financial needs are and whether or not the business will meet those needs. Remember, you're building a business.

It may take you a number of years to get to the income level you want or need. On the other hand, you may decide that you're willing to sacrifice some money for the reward of being your own boss. Many people have found it to be worth every penny.

4) Are you starting a business out of desperation?

This is a very real concern, particularly in light of the huge number of experienced businessmen and businesswomen who have been cast adrift in the job market through corporate downsizing in recent years. If you're one of these people and are thinking about starting a business because you think it's your only option, be very careful. Yes, it can be the answer to your future security, but only if you're willing to make the necessary commitments and sacrifices. The world of business ownership is vastly different from the corporate world. Make sure you recognize the differences before you make the move.

5) Are you well organized?

The day-to-day operation of your business is going to require you to assume many responsibilities. Let's consider an average day. You may need to do the payroll, talk to suppliers, pay a few bills, work on a new advertising pamphlet, and prepare some tax forms. At the same time you'll be filling orders and making sure they get sent out on time. Then there is always the unexpected--your computer bombs or the air-conditioning conks out.

As a business owner, you'll need to keep many balls in the air at one time. Your ability to juggle all these responsibilities will directly affect your success. If you're well organized, you'll have a list of the things you need to do, and you'll methodically go through it during the course of the day. If you're interrupted, you'll pick up where you left off after you have dealt with the problem. If you're still not through at the end of the day, you'll sit there and work until you have finished. Procrastinators do not do well in business. If you get behind, you're sunk.

6) Are you creative?

It's an asset to any business. No matter how great your product, you're not going to be the only one selling it. Marketing and advertising are critical to getting customers' attention and encouraging them to buy. If you have a creative streak--whether it be copywriting, graphic design, or even an offbeat sense of humor--it will be an invaluable asset to your business.

His is doubly true in e-commerce. Since your customers can't see the items they're purchasing "in the flesh," so to speak, they need to be enticed by the visual presentation and written description in your promotional materials.

7) Are you flexible?

In business, if an idea or plan doesn't work, you can't let yourself waste time, energy, and emotion bemoaning its failure. You need to quickly come up with an alternative solution. Flexibility and adaptability are the key. You'll need to stay focused to achieve your goal, but you may need to try several different paths to get there.

In e-commerce order, for example, one marketing approach may work for a while and then stall. At that point you'll need to come up with something new. Remember, every business plan and every business

Can benefit from a fresh look every once in a while, even when things seem to be going along just fine.

8) Are you goal oriented?

This trait is obviously helpful in all parts of life, but it's particularly helpful in business. As a business owner, your goals will be defined in very simple, concrete terms--gross sales and net profit.

A good businessperson approaches each year with new goals and uses them as motivating forces throughout the year. Let's say gross sales for your first year of operation were $500,000 and your net profit was $ 100,000. For the following year, you might set as your goal a 20 percent increase, or $ 600,000and $ 120,000. Achieving or surpassing those figures will drive you day after day.

Goal-oriented people also plan for the future. Eventually, you may want to expand your product selection and your target market. You'll have a long-term plan that includes the timing of your expansion and what every aspect of your business will do to accommodate increased volume.

9) Are you an optimist?

Having the right mental attitude is important for every aspect of life. When you run into hard times, keeping an upbeat attitude and looking for the positive side of things is critical to riding out the storm.

This is particularly true in business. By nature, it's a trip with peaks and valleys. For instance, the hardest time for any business is the first year or two. You may spend months getting things ready to go, carefully selecting the merchandise you'll carry, and getting your advertising strategy together. Then you'll send out your first e-mailing and wait anxiously for the phone to begin ringing off the hook and your mailbox to be jammed with orders.

But nothing happens. Maybe a few orders trickle in, or you get some phone calls with questions about certain items. This isn't unusual, but even knowing that, you'll still worry. If you're the type of person who gets down when things don't quite go the way you would like, you might have trouble with the roller coaster ride that any business will take you on. Keeping a positive mental attitude is essential to weathering the bad times and working hard to make the good ones arrive that much sooner.

10) Have you experience you can use in running the business?

If you have, it will make learning the business a lot easier. Experience in sales, accounting, advertising, marketing, personnel management, taxes, or any other business-related.

Responsibility is a definite plus for a potential business owner.

Experience with computers is mandatory since in e-commerce of course computers are your lifeblood.

You have to have hands on experience with computers both hardware and software and not be intimidated by computer experts and geeks but rather be able to work with these often eccentric individuals who command often unique skills.

11) Do you enjoy working with people?

One of the painful realities of being in retail is the fact that the customer is always right. Granted, running an E-Commerce business distances you from your customers in the sense that there is rarely face-to-face contact. But that doesn't mean you don't owe them the same service and courtesy you would if they were standing right in front of you.

As an e-commerce retailer, you'll have the same problems with customers that storefront retailers experience. You'll have complaints about your merchandise, your prices, your service, your policies, and your employees. Believe me, no matter how well you think you have things organized, someone will find fault with them.

This is where tact, patience, and understanding come in. When a customer is unhappy, you must put up with their behavior and try to amend the situation. The last thing your business needs is a bad reputation. If you allow a customer to go away unsatisfied, you can be sure the person will tell all their friends how terrible you are. That, in turn, will keep a lot of potential customers from becoming regular customers.

So there will be times when you'll have to bite the bullet and make amends quickly and courteously when you would really like to tell the customer to take a hike. Because you're dealing with someone who may be halfway across the country, it may take a personal phone call, an overnight special delivery, or a refund with a handwritten note saying you're sorry the purchase did not work out but you look forward to helping them in the future. Just make sure you leave the customer happy. .You'll also have to deal with the people who work for you. As the owner of a business, your behavior will set the standard for your employees' behavior. If you're negative and critical, they'll be negative and critical. But if you're cheerful and upbeat, that will also be reflected in their behavior.

You'll have to be tough at times. Managing people isn't easy. If you're lucky, most of your employees will be pleasant, will work hard, and will contribute positively to the business. But you'll also have a few who will turn out to be unpleasant, lazy, incompetent, or even dishonest. Motivating them will be a challenge. If you can't change their behavior, you have to be able to fire them.

12) Are you comfortable dealing with money?

Some people are terribly inept at finances. Others can do it but hate it. Like it or not, financial management is an inescapable fact of business ownership. You'll be dealing with complex monetary issues, from financing the business to handling the day-to-day receipts. You'll be responsible for paying the bills, making the bank deposits, doing the payroll, and sending in withholding taxes and quarterly reports to the IRS and the state. You may be handling substantial amounts of cash, and there are certain risks inherent in that responsibility.

You'll also be making business plans. These are detailed projections of your income and expenses for a given period of time, usually three months, six months, or a year. In some ways, they're quite simple--you want to maximize your income and minimize your expenses. But they take careful planning and budgeting. What are the minimum staffing expenses going to be to operate the business? What will your overhead and utilities be? How much money can you spend on advertising? When are the taxes due? How will you determine the price of your products? What will you charge for shipping and handling?

Any financial experience you may have had will help you with this aspect of your business. And if you like this type of activity, it will be to your advantage. But if you find it burdensome, you'll have to be ready to deal with it.

13) Are you financially prepared to open a business?

Starting any business requires money. The nice thing about E-Commerce is that you can make it about as bare-bones as you care to, particularly if you're starting a small operation that you'll operate in your spare time. Many people have started E-Commerce businesses for just a relatively small amount of capital.

But the bigger your dreams, the more money you're going to need. If you're planning a full-time E-Commerce business with numerous products, the start-up costs will be considerably higher. Then a whole new batch of considerations comes into play. Do you have the financial reserves to support you and your family for a period of time until business picks up? Some business advisers say you should have enough on hand to survive for a year with no income whatsoever. While that may be an unrealistic goal, you do need to consider what happens if the business fails altogether. Do you have the resources to weather such a catastrophe?

Before you begin planning your business, you need to take a careful look at your finances. How much of your available capital are you willing to risk? Are you willing to personally sign for a business loan? What do you have to offer as collateral? How much cash will you have in reserve for emergencies? If you don't have enough to start the business yourself, are you willing to take on a partner or partners? Are you staking your entire financial future on the business?

Not having enough working capital is often the main cause of failure for small businesses in the United States. Yet many people, caught up in the entrepreneurial fever, continue to start businesses on a shoestring, woefully unprepared to deal with the bad times. If you can't start your business with a comfortable financial cushion beneath you, you may be taking a risk you can't afford.

14) Is your family ready to make the commitment?

Whether your family is actively involved in the business or not, business ownership is going to have a huge effect on them. If you're the only one involved in its day-to-day operation, the rest of the family isn't going to see you very much. If they're used to having you around on evenings and weekends, this may cause problems.

Your spouse may be unhappy having less time to go out to dinner or the movies. Your absence may also mean he or she is going to have to assume a lot more responsibility at home-- chauffeuring the kids here and there, helping with homework, doing the shopping, cooking the meals, cleaning the house, paying the bills, and all the other odds and ends that are part of day-to-day life.

Your kids may have to make some big adjustments, too. You might not be available for Little League games, dance recitals, school plays, and all the other events of childhood.

There may also be some financial adjustments for your family. If you're like most fledgling business owners, you'll be running a tight ship for a few years. Your family will have to realize there might not be money for some of the luxuries they used to take for granted.

It's extremely important to think about potential family problems early in the process. Sit everyone down together and tell them what you're thinking of doing. Make sure they know what it will mean to the family's day-to-day routine and find out how they feel about it. Their support will make your life a lot easier. You're going to have enough stress just handling the business. The last thing you'll need is a family crisis.

The other side of the coin is having your family members working in the business with you. The dynamics of family businesses can be quite volatile, and you'll want to make sure everyone can get along. A major question will be who is the boss? Are the lines of authority clearly drawn? Are you and your spouse going to be equals in ownership and operation of the business? If so, are you able to work together cheerfully and consider each other's opinions? If you are, you'll probably have no problem running the company together. But if you can't even agree on what kind of soap to use, you may have trouble.

15) Can you handle stress?

It comes with the territory. Long hours, endless responsibility, dealing with customers, worrying about money--these can take a huge emotional toll. Some people thrive on stress. It actually makes them perform better. They stay calm in a crisis and can react quickly to change. Others fall apart when things get too hectic. Which kind of person are you?

16) Are you in good health?

Running a business can be physically taxing as well. You may have to spend a lot of time on your feet and not get as much sleep as you would like. You may not have as much time to eat properly or exercise regularly. There may be activities in the business that require a fair amount of physical strength. Take an inventory of your physical health. Do you have any chronic problems that might prevent you from operating the business efficiently? Remember, when you own the business, you have to be there day after day. A long absence because of a serious illness could spell disaster.

These questions may be heart wrenching and difficult to consider but are essential if you are to consider whether you are ready willing and able to run your own e-commerce business?

Bill Piker
Senior Employment Analyst / Counsellor / Labour Dispatcher. Ace Employment Services Winnipeg
Extensive experience in the labour as well as financial field.

Article Source:
http://EzineArticles.com/?expert=Bill_Piker

3Aug/11Off

How to Cut the Cost of Car Insurance

Less desirable and low value cars are cheaper to insure

When I was 17 I wanted to own a Ferrari and live life in the fast lane. Even if I could have afforded the car, then I couldn't have afforded the insurance to cover it. At 17 you are brand new to the world of driving and statistically you are more likely to make an insurance claim. Mixing high-powered cars with inexperienced drivers is not something car insurance companies are super-keen about, the chance of a claim shoots through the roof with the price of the premium following it. When you are young and inexperienced, buy a low-powered, low value car to try and keep your car insurance premium to a minimum. If it is worth less then it will cost less to fix/replace when in your youthful exuberance you crash it. The same logic actually applies to everyone, the lower the value of the vehicle and the lower the car insurance policy will be in most cases. Sports and premium cars will always cost more to repair in an accident so the insurance will reflect this. New cars now feature myriads of anti-theft and driver aids that in many cases will help to reduce the cost of insurance so keep an eye on the spec sheet when looking at a new car. A good rule of thumb is that less desirable and low value cars are cheaper to insure.

Age is a concern

I mentioned it above and it bears repeating. Generally the younger you are the higher your car insurance premium. This is down to inexperience and the youthful belief that bad things will never happen to you. The statistics say otherwise, which is often a shock to an unsuspecting young driver who ends up in a crash wondering how it happened to him...Driving experience and age are usually linked and that leads to a method of reducing your insurance premium - whatever age you are you will benefit from advanced driving courses and many car insurers offer discounts for these qualifications. It may only be a five - 10 per cent saving for the course but on a premium of £1000 it's worth having the saving and it will remain with you for years, so it should be a good investment, not to mention make you a better driver.

Keep adding to the no-claims bonus

The more years you can accumulate without making a claim the better as most car insurers will offer a discount on your insurance for this. Effectively you are proving you are good business to have and because you haven't made any claims then you are a good risk for them to underwrite. There's nothing you can do here but keep your nose clean and don't make a claim. If you own a low value vehicle and dent it parking, you'd be advised not to make a claim on comprehensive insurance because it would reduce your no-claims bonus, likely to be for a small amount of money and you may even end up paying for most of it depending on excess. In that case, provided you have not caused damage to any other vehicles or property, keep quiet, fix it yourself and your saving on no-claims bonus will be sweet the following year - in time, when you have built up three or more years no-claims bonus, you can actually protect your bonus, meaning even if you make a subsequent claim you will not lose your bonus.

Convictions aren't cool

If you are an inner-city teenager then an ASBO may be a badge of honour. Insurers are less impressed by convictions though, so it is best to avoid them if you can. Minor speeding offences are certainly not in the same category as serial killer though, so if you have a couple of points it will not be the end of the world or have a major influence on your premium depending on the insurer.

If you've got a garage, use it

What are garages for? If you ask the average person they'll probably say for storing all the kids' toys, the home gym, bicycles, the freezer and tumble-dryer. I have news for you all; the garage is designed to house your vehicle when you are not using it. The fact that it puts a physical barrier between any opportunist thieves and your car is a real good thing and car insurance companies will recognise this and reduce your premium if you park in a garage overnight. Using your garage will save you money; it doesn't get any easier than that.

Anti-theft devices

Most modern cars come with immobiliser and alarms factory fitted and if you notify your insurer it will check to make sure they are to approved standards and will apply discounts if applicable. You can get other devices that slosh around in the passenger footwell until you park and then fix to generally your steering wheel or gear-stick. These are mechanical devices and some do attract further discounts if used, just do your homework before buying. Thatcham is the organisation which grades security devices and generally a decent mechanical security device will feature its Thatcham approval very prominently along with any premium discounts you may expect, so choose carefully.

Use a reputable broker

Car insurance is very big business with around 30million+ vehicles on the UK roads, so there is a wealth of car insurance companies to choose from. Ironically, the big names you are familiar with are probably in your head because of massive marketing campaigns on television, on-line etc. Regardless of the message, those marketing campaigns need to be paid for and that means they may not actually have the best rates, although the sheer scale of some of these businesses means prices will be keen due to buying or underwriting power. The best advice is to compare a couple of different prices from different companies. Call the insurer and then call a comparable competitor and then perhaps a small car insurance broker. Each one will ask you if you have a price already and you should tell them what it is. Generally if they want the business they know what to beat. The moment you get a broker saying they can't match the price then you are probably close to the best market price or else speaking with a broker that is not a specialist in the area.

A word of caution on price comparison sites

There are plenty of price comparison sites around which promise to drive the cost of your insurance policy down - Money Supermarket, Go Compare, Confused etc. They certainly do help reduce the cost of insurance as most of the major players are fighting for business on the same platform. Where these price comparison sites do not perform so well is actually advising you on the sort of policy that's best for you or your car. Would comprehensive be cheaper and more suitable than third party fire and theft? The point is you cannot ask the price comparison site for any advice, that's where car specialist brokers have the edge. Compare it to buying a new house, would you buy one without a survey? You might and then when it subsides into the sea you'll be praying your insurance will cover it...the point is you shouldn't buy insurance without talking with an expert either.

Pick up the phone

The internet is a great shopping and selling tool, you know my feelings on that from previous articles...but I suggest if you speak to a real person at a brokerage then you have a much better chance of getting cheaper car insurance. They can ask more questions, clarify your requirements and if needed they can even delegate the rate (set the price themselves) if they really want the business. There is no substitute for human contact, just make sure you speak to at least three different brokers to get a true comparison.

Got a nice postcode?

If you live in a postcode where there are few thefts and claims then your insurance premium will be lower than living somewhere that is a known crime hotspot. If you can afford it, move to a posh area and you'll benefit from lower insurance premiums. Not the easiest way to save on the cost of insurance for sure...

Mileage and use

The more miles you drive the more chance you have of being involved in a claim. It's simple statistics. The fewer miles covered, the less your insurance premium should cost. Don't tell lies though, if you exceed the stated mileage by a distance then it could invalidate your insurance.

Married with kids?

Insurers like selling car insurance to married couples mortgaged and with kids and jobs. You are very easy to credit check and generally display responsible behaviour which hints at a lower risk for the insurer. That can reduce your car insurance quote.

Don't modify your car

We all see the bling bling cars that haunt Supermarket car-parks late at night and whether you like the tacky neon colours and loud exhausts is neither here nor there - the fact is that any sort of modification is likely to hike your car insurance premium. Modifications can draw attention, invalidate warranties and in the case of loud exhausts, can also be illegal (if above the noise limit). If illegal, then it could invalidate your insurance as well. The fact is that car manufacturers spend a lot of time developing their products so they work well and if you modify them then it's all out the window and your insurer will be scratching his head wondering what he should charge - and it will almost always be more than a standard vehicle.

Maurice Gertski is an expert in car insurance and is dedicated to helping people lower their insurance premiums. Call Westhill Insurance to speak to specialists in car insurance or visit http://www.westhill-insurance.co.uk/car-insurance/car-insurance.aspx

Article Source:
http://EzineArticles.com/?expert=Maurice_Gertski

3Aug/11Off

History of the Media, Radio, and Television

When were the forms of media created? When did advertising first show up? Who owns the media?

Creation of the various forms of media

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Newspapers & Magazines ~ 1880

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Movies ~ 1910

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Television ~ 1945

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Cable Television ~ 1980's

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Satellite Television, Internet, Digital Communication ~ End of the 20th century

In 1920, radio was first developed, primarily for use by the military, strictly for sendingHistory of the Media - Old Radios messages from one location to another. David Sternoff, the then-president of RCA, first had the idea to sell radio sets to consumers, or what were then called radio receivers. However, consumers needed a reason to buy radios, so RCA was the first to set up radio stations all over the country. Between 1920 and 1922, 400 radio stations were set up, starting with KBKA in Pittsburgh. Stations were also set up by universities, newspapers, police departments, hotels, and labor unions.

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By 1923, there were 600 radio stations across the United States, and $83 million worth of sets had been sold.

The biggest difference in radio before and after 1923 was that the first advertising was not heard on the radio until 1923. RCA at the time was made up of four companies:

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AT&T

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General Electric

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United Fruit

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Westinghouse

United Fruit was one of the first global corporations, and one of the first to advertise on the radio. The AT&T division of RCA first thought about selling time on the air to companies, which marked the start of "toll broadcasting." WEAF was the first station to operate this way, causing widespread outrage, and accusation of "polluting the airwaves."

Because of this controversy, the practice of selling advertising time was called "trade name publicity." Sponsors linked their name with a program on the air, rather than advertising a specific product in a 30 second "commercial" as we know it today.

Why did AT&T decide to experiment with charging companies for air time?

AT&T was not making any money from broadcasting at the time since they only made transmitters, not receivers. They only made money when new radio stations bought the equipment required to broadcast. They did not make money from consumers buying radios.

AT&T also started the practice of paying performers for their time on the air, rather than only volunteers, which was standard practice for radio content up until that point.

The first radio network

In 1926, RCA set up the first radio network, NBC. They decided it was more effective and efficient to produce shows in New York City, and then link the main radio station with stations all across the country, connected by AT&T (another RCA company) phone lines. (Now television networks are linked by satellite to their affiliates).

This was the beginning of the network affiliates system. The ideal network makes sure everyone in the country is capable of listening to their signal. NBC at the time had two philosophies:

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Radio content was a "public service," whose function was to sell radios.

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Radio content was designed to generate income from advertising.

History of the Media In 1927, the second network was formed. It was CBS, started by William Paley. Paley was the first to think that networks could make money strictly from advertising, not even getting involved in the sales of radios. Like AT&T, CBS did not make radios. From the start, they made their money from selling advertising.

The rising of radio networks caused the Radio Act of 1927 to be passed, which established the FRC, or what is now known as the FCC, to allocate broadcast licenses. The need for such an organization was brought on by the fact that airwaves are limited resources, and broadcasting itself is a scarce public resource. By the 1930's, the structure of radio have been set by the commercial format, although advertising never dominated radio like it would television later on.

In the 1920's and '30's, radio programs were divided into two groups. Sponsored shows, which had advertisers, and unsponsored shows, which did not. The radio station paid for the unsponsored shows. The sponsored shows, on the other hand, were created entirely by the company sponsoring the show; advertisers were totally in charge of the radio station's content. The content became advertising. Radio set the precedent for television, in that the same companies that controlled radio early on went on to control television.

Soon thereafter, television inherited the structure of radio. In the '40's, during the rise of television, RCA also held a monopoly on all television sets sold. By 1945-1955, advertising had taken over all of television. Television was organized around the premise of selling things. The entire television industry was creating a political atmosphere of suspicion and fear. Senator Joseph McCarthy, the founder of McCarthyism, which was based on the fear of Communism, and the HUAC (House Un-American Activities Committee, began to question people involved in television about their beliefs and associations.

What affected television in its early stages?

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Politics (McCarthyism / HUAC).

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Blacklists: From almost the inception of television, many writers, directors, and actors were considered to be pro-Communist and/or un-American.

Certain topics were totally off-limits at the time for television, particularly issues of race relations in the 1960's. Overall, networks were not happy with the political situation for television in the 1960's, both in terms of the blacklists, and of the fact that when every show had one sponsor, that sponsor controlled the entire program. Networks preferred to control the program, by way of moving to multiple sponsors/advertisers, where networks would retain control of the show, and advertisers would buy time in between the programming.

In the 1950's, networks decided to eliminate the practice of sponsors controlling the shows with a move to spot selling, or advertisements between programs, as we know it today. What caused the move to spot selling?

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Discovery of fraud in the quiz shows on television. Quiz shows were extremely popular at the time, and were liked by the networks, the sponsors, and the viewers alike. It turned out, however, that quiz shows were largely fixed. Charles Van Doren on "21" became a huge star due to his repeated wins, until it came out that the whole thing had been fixed. In the case of "The $64,000 Question," the owner of Revlon was personally hand-selecting the winners and losers on the show.

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It was becoming financially difficult for just one advertiser to support an entire show.

Around this same time came the inception of ratings to measure a show's popularity. Ratings, quite simply, measure the number of people watching a show. To understand why ratings are so important, it's crucial to understand how the television industry works, through three questions, and their respective answers:

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Who owns television? [The networks]

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What is sold on television? [Viewer's time, not television shows]

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Who are the customers of television? [Advertisers, not viewers]

This might be a counterintuitive concept for some. The networks, which own television, areHistory of the Media - Old Television the buyers of shows, not the sellers. On the other hand, they sell our eyeballs, so to speak, to advertisers. Networks want the maximum possible profit from buying and selling time, both viewers' time, and advertisers' time.

The primary measure of television ratings, which determine the price of that time being bought and sold, is AC Nielsen, an independent company which provides information as to who watches what on television. Currently, about 4,000 households are used to represent the national viewing of television. In the 1980's, only 1,200 households were used. Some households have an electronic device installed on their television which tracks what they watch, while others keep a diary of viewing habits.

There are two measures for determining a show's audience. One is the rating, and the other is the share.

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Rating: Percentage of total homes with televisions tuned into a particular show.

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Share: Percentage of those watching television at a particular time who are tuned into a particular show.

The share is always greater than the rating. Ratings are more important for advertisers, and share is more important to the networks.

Example:

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Total households with televisions: 150 million

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Total households watching television at 8pm on Monday nights: 90 million

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Total households watching American Idol at 8pm on Monday nights: 45 million

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Therefore: Rating: 30, Share: 50

It's important to note how many factors can skew the results. Shows cost producers much more than the networks typically pay them for those shows. The way for producers to make money is by getting the networks to renew the show, in order to have a shot at making money from syndication on other channels, also knows as reruns. That is the case when individual stations (say for example, the Miami affiliate of ABC wants to carry Seinfeld), buy the rights to a show from the producers of that show. Shows that last only one season, for the most part, lose millions of dollars. One of the most important factors in whether shows will be renewed or not is their rating.

This brings us to how ratings can be skewed. For example, if a show has a 20 share, and it needs a 25 share to be renewed for another season, what might the producers do? In principle, they need to convince another 5% of the people watching television when their show is on to watch their show; this is no simple task, as that involves convincing millions of people. However, since the ratings are based on those 4,000 Nielsen households, that means that they could convince just 200 Nielsen households to watch their show, which would increase the share from 20 to 25. This is why Nielsen households must be kept totally secret from the networks. When the Nielsen households have leaked to the networks, one way which they got people to watch their show was by offering viewers a small sum of money for filling out a survey about a commercial which they were told would play only during a particular show. Since they had to watch that channel while their show was on, this would boost the share.

Once ratings are determined, advertising prices are set by two factors:

* The size of the audience.

* The demographics (income, age, gender, occupation, etc) of the audience.

In short, the job of television programs is to collect our time as a product, which they then sell to advertisers. Programs have to support the advertising, delivering viewers in the best possible state of mind for buying when the time for the commercials comes, which brings us to the Golden Age of Television.

The 1950's are considered the "Golden Age of Television." During this time, something called the "Anthology Series," where different actors each week took part in a show gained History of the Media - I Love Lucypopularity across the board...that is, with everyone except for advertisers. The anthology series format was not right for advertisers, as it covered topics which involved psychological confrontations which did not leave the viewers in the proper state of mind for buying the products shown to them between program segments. The subject matter of the anthology series was of the type that undermined the ads, almost making them seem fraudulent.

This brought up the question of what to network executives actually want shows to do? The answer is not to watch a program that makes them feel good, makes them laugh, or excites them, but rather to watch the television for a set amount of time. With so many new shows being proposed, standards began to be intentionally, or unintentionally, laid out for what shows could and couldn't do. Risks could only be taken at the beginning and/or end of shows. Laugh tracks were conceived to tell the audience when to laugh. Programs began being tested with audiences prior to being put on television and/or radio. Show writers now had to write shows that would test well.

Naturally, this caused many of the same elements and themes to appear in all shows. This was the beginning of recombinant television culture, where the same elements are endlessly repeated, recombined, and mixed.

This same culture is what perpetuated the idea that people watch television, not specific shows. While people certainly choose to watch certain shows instead of others, people less commonly choose to watch television instead of other things. People watch television. Regardless of what was on, television viewing rates were extremely stable.

David Pakman is editor/adminstrator of politics and media website Hear the Issues ([http://www.heartheissues.com]), a website frequented and praised by many mainstream journalist and pundits.

2Aug/11Off

Students and Politics – The Indian Scenario

The student community, being young and energetic, are a bundle of inflammable material, which at the touch of a spark ignites into a large uncontrollable fire like forest fire. They, being young have no patience, are lively and malleable.

In India, the trend of students actively participating in politics began in the early 20th century, when India was fighting for its freedom. The elders being busy with their bread earning, they actively encouraged the youngsters to enter the arena of politics. Besides, they were young and would be easily enthused to join the mass movement at the drop of a hat. Political parties at that time started enlisting the support of the young students who organized themselves happily, to help one party or the other. This trend started in the early years of 20th century and continued and even expanded up to date.

However, once independence was won, it was to be reconsidered if students should be allowed or couraged to enter politics. Some sections of society now started believing that students should stay away from politics and keep to their study schedules only. While the society kept debating on this issue, the politician took the younger generation as their work cum energy tanks and this participation of students in politics has come to stay.

The present scenario in India is thus a keen struggle of political parties engaged in enlisting support of students. This obviously results in the students getting sharply divided as if they were of this political party or that so much so, even the campus elections become tainted with a touch of politics.

There is of course nothing without advantages and disadvantages, so does this involvement of students in politics. There are both serious disadvantages and may be few advantages too of students being on the centre stage of politics. Disadvantages outnumber the advantages. Firstly, while the students, have primarily entered college for studies they get distracted from their prime objective and become entangled in the dirty game of politics. The energy and time they use or waster in masterminding political moves, could well be used to study. This entry of politics in the premises of educational institutions has caused many a damage to several students. Students have got rusticated owing to their active participation in politics, thus losing their hold on studies. Politics teaches students to put an end to all rules and regulations and become rowdy and violent.

This leads to closure of institutions which again take a toll of students' study time. The very innocent and loving appearance of children gets lost and they become rude, arrogant and disobedient. When there is too much of hooliganism entering into educational institutions, even police is to be called sometimes and there is utter disorder in the campus and even bullets find their way among the students. The disadvantages of students entering politics are numerous and destructive.

When we study the advantages of this system, they do exist but, are very few and hardly significant. Children entering the arena of politics learn the art of public speaking. They learn to be assertive and impressive. This medium is a good stepping stone to the art of leadership. The important and real advantage is that students in these prime years of life gain a lot of knowledge of politics which gives them training to enter the arena as trained politicians.

After studying the pros and cons of students' participation in politics, the disadvantages are more damaging than the gains acquired in the sequence. For, all the advantages students gain, can as well be achieved so in other ways also and there is no need for their entry into politics.

Students must stay away from politics and retain their interest in studies which alone can help them steer the ships of their lives.

Arun K has been building websites for many years and runs a number of successful websites. He is the owner of Kerala Backwaters Further articles can be found on his website at SMS Jokes

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2Aug/11Off

Who Really Owns Celebrities?

Celebrities today seem to be up for grabs. Photographers and tabloid writers feel free to spy on celebrities and follow them constantly. Celebrities seem to have different feeling about this. Some celebrities play along with the paparazzi and seem to tolerate the intrusion in exchange for good publicity. Others are constantly embroiled in battles with the relentless photographers and often end up in court. The question undercutting all of this however is who, in fact, actually owns these celebrities?

Celebrity Ownership

Despite the pleas on some tearful celebrities, the answer is the people. The same individuals who made ordinary actors, singers, and politicians into celebrities in the first place actually hold the deed on celebrities. So long as celebrities stay in favor with the public, they continue to live a blessed existence of fame and fortune. But if a celebrity loses favor and begins to fade away, they simply cease to exist for much of the world. In some cases they might retain some of the fortune, but the fame is certainly gone.

An audience creates a celebrity. Many individuals have starred in movies or performed at concerts without gaining celebrity status. It is only when the world begins to sit up and take notice of an individual that true star status is obtained. This is how stars are born overnight. If people care about the comings and goings of an individual and the media picks up on this interest, news and tabloid coverage will increase. This creates a celebrity. If nobody cares about a singer's shopping trips or political message, it is a safe bet that individual will not be stalked by paparazzi and won't be gracing the covers of magazines. Simply, celebrities are selected.

The Fickle World

Human beings are fickle creatures. The general population may hold a singer in great esteem one year and have moved on completely by the next. In fact, certain television stations and websites have a made a market out of finding these former celebrities and marveling at their now "normal" lives. Other websites offer members the opportunity to demonstrate their flightiest tendencies on a daily basis.

Celebrity Websites

Certain websites have constructed an algorithm to demonstrate the popularity of celebrities. This algorithm and the celebrity's popularity equate to a market price, much like a stock price. Members of the site are able to buy and sell celebrities for their personal portfolios and if the celebrity increases in value - both popularity and price, the portfolio value increases. If a celebrity begins to lose value, he is undesirable and dumped.

There can be no clearer message about not only the value of celebrities, but also the ownership of celebrities. Just as celebrities in a portfolio can create a return for investors, those same investors take the time to research the celebrities in forums, news articles, and blogs. This research and drive for information increases the celebrity's popularity and price. When a celebrity fails to generate news, or generates too much bad publicity, the public will simply lose interest, the celebrity loses value, and stardom begins to fade.

For additional gossip, news, and the opportunity to buy and sell the most popular celebrities in the world today, visit CelebrityContest.net [http://celebritycontest.net]

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