When it comes to their cars, most people are more than willing to trust the mechanic. Engines seem complicated and mistakes can be costly. While it is always a good idea to trust a mechanic when you think the job is more than you can handle, there is no shame in tackling some engine repair on your own. Here are some common repairs that you can handle on your own, provided you have a decent level of DIY smarts.

First, you need to get over the fear factor. Understand that it is very difficult to completely ruin engines. Yes, it can happen, but most of the time any mistakes you make can be fixed. That should help you feel calmer.

Also, make friends with your computer. The Internet is an invaluable resource for information about fixing cars. You can find detailed instructions, with videos or step-by-step images, to help you with your engine repair. Often, seeing how it is done is the first step in doing it yourself. These guides will also help you decide if this is truly something you can do on your own, or if you need professional help.

Before you begin fixing anything, you will want to have the right tools. Most of the time you will need an adjustable wrench, a variety of screwdrivers, a jack, a torque wrench, a socket and ratchet set, and pliers. If you are missing any of these tools, then you will want to pick them up before you begin. As you shop for tools, make sure they have a good grip, so look for ones with heavy, solid handles.

So, what jobs can you tackle on your own? One is replacing a work or broken belt. Broken belts keep engines from working, but they are not hard to replace. When inspecting your car, always check the belts for signs of weir, such as cracks or looseness. Replace them when you need to. If they are loose, you might be able to get away with tightening them using a tensioner pulley rather than replacing them.

The battery and alternator is another common type of engine repair that you can, realistically, do on your own. Before replacing a battery, make sure the car does not need to be jumped. If jumping the car does not work, purchase a multimeter to test the battery. Replace if needed, but if the battery is testing fine, you may need to replace an alternator. This is a simple job that you should be able to handle on your own.

Finally, while not technically engine repair, you can handle many maintenance tasks on your own. Replacing filters, spark plugs, and old oil is not hard once you learn how, and you can save a significant chunk of change doing these on your own. For other jobs, consider hiring a professional, but for these simple tasks, you can, and maybe even should, try to DIY.

Attempting href=”http://www.honest1anoka.com/engine_repair.html”>Anoka engine repair can be difficult. Taking your vehicle to a professional can guarantee that your repairs are done right: www.honest1anoka.com.

With health care costs soaring through the roof, the cost of health insurance premiums are increasing as well. Health insurance is a necessity, however, when you consider the costs of one visit to the emergency room, surgery to set a broken bone, scans, lab and other costs. When your budget is limited, how can you keep the costs of your health insurance premiums down? There are several steps you can take to reduce your health insurance costs and still maintain adequate medical coverage when you need it.

First step is to consider what health insurance options you have. Does your employer offer a group medical benefit? Many employers (and/or labor unions) offer health benefits to full-time employees. Group health insurance is usually the cheapest way to get medical coverage; an employer can negotiate with health insurance companies to get a group health plan at cheaper rates. In addition, many employers will pay part of the premium, reducing your health insurance cost even further. Another consideration is whether your spouse has health coverage available through their employer? If so, compare your health benefits plan to that of your spouse, and decide which health plan is the better buy. It may be possible to have one spouse carry family health insurance coverage and the other drop their health benefits. Many employers have multiple health insurance options, so review these plans as well. Choose the health plan that best meets your needs at the cheapest rate.

If no health insurance coverage is available through your employer, there are other ways to obtain health insurance coverage. Individual and family private health insurance policies are available. Shop and compare benefits and premiums from each health insurance plan. If you and your family are generally healthy, the new Health Savings Account (HSA) may be worth consideration. The HSA is an account that allows you to save tax-free dollars for your medical/health expenses. Similar to an Individual Retirement Account (IRA), you are limited in the amount that you are allowed to contribute each year; however, with the HSA, withdrawals for health expenses are not penalized, and no tax is paid on the withdrawal. When paired with a health insurance policy that has high deductibles and low rates, the HSA may be ideal for you. Save money in the HSA for deductibles and co-pays, and you’re set.

For those over 65 or permanently disabled, Medicare is available through the federal government. The original Medicare is an 80/20 plan (they pay 80% of eligible expenses and the insured pays 20%) with an annual deductible and a monthly premium. Supplemental health plans are available to cover this deductible and co-pay. These supplemental health plans are usually private and the insured pays a premium. In addition to the original Medicare plan, there are Medicare HMOs. In these Medicare HMO health plans, the Medicare premium is paid to an HMO to provide benefits to the insured. HMO plans are more restrictive in that patients must get care through a network provider, but often these plans cover more prescription drugs and preventive care than original Medicare does.

Recently some employers have offered lower premiums to employees who do not smoke cigarettes. This is currently a controversial topic for some, but it certainly may begin a trend. In the future, employers and their health insurance providers could offer reduced premiums for employees who maintain normal weight, exercise regularly, and receive certain wellness benefits. Maintaining a healthy lifestyle lowers the risk to the health insurance company that they will be paying big bucks in health care down the road. And health insurance, as any other insurance, is all about risk.

Bottom line: going without health insurance coverage is a big risk for you. Find health coverage that you can afford just in case Murphy comes knocking at your door!

Kay Lowe holds a Master’d degree in health care and has 30+ years in the health care field. She is also webmaster for Health-Infosource.com [http://www.health-infosource.com/health_insurance.html], a website dedicated to disseminating health information.

More than 50 million people in the United States have pets, and pet supply stores are competing to get their fair share of this lucrative market. If you are a pet owner, this is great news. Pet supply stores are continually improving their products and services, and you can choose from among many of them the right one for you.

Free delivery. You love your pet, but sometimes, you just don’t have time to drop by a pet store to buy food and supplies. No problem – you can have everything delivered right to your doorstep. Most pet supply stores now offer free delivery of the freshest pet food and newest supplies. Steer clear of the inconvenience of pet supply shopping, or running out of pet food. Just order either online or from a catalog.

All-natural pet food products. People are becoming more health-conscious, even with their pets. That is why some pet supply stores now claim to only carry naturally-preserved pet food that do not contain artificial coloring, ingredients or byproducts. Some pet supply stores limit their selection only to pet foods that have passed complete feeding tests ongoing quality assurance checks.

Carefully-chosen pet supplies. There are now many pet supply stores that only sell 100 percent safe and non-toxic pet supplies, especially for dogs. These stores have only clinically-proven safe pet shampoos, creams and medicine in stock. You can also buy harmless pet toys and accessories from such stores.

Veterinarians on call. Most pet supply stores now have in-house veterinarians who can help you choose the right products for your pets. These vets are also on-call to help you if your pet suddenly reacts differently to a product. Best of all, these vets are just great sources of free advice. Just pop in the pet supply store and chat with them – you just might get free opinion on common pet problems.

Pet Stores [http://www.i-PetStores.com] provides detailed information on Pet Stores, Pet Supply Stores, Online Pet Stores, Pet Fish Stores and more. Pet Stores is affiliated with Free Pet Tags .

INSPIRATION AND PERSPIRATION!

Ever thought of putting together a pinup calendar featuring hot guys enrolled at your college or university?

Most people who think of creating a “Men of (Your) University” calendar assume that all they need to do is locate only 12 hunky college males and have them photographed. These tasks must be accomplished. But there’s much more to publishing a calendar and many more than 12 college guys must be recruited.

Besides recruiting, selecting, and training your student male models, there is production of the actual calendar, which includes photography, arranging graphic design and commercial printing. After the calendars are delivered, news media publicity must be arranged. Promotional events must be held. And, of course, your pinup calendar must be marketed!

But, first, the best-looking campus guys at your university or college must be recruited. After a decade of publishing, recruiting of college men, the Campus Men Calendar operation has learned a great deal and refined its approach. So, here are the facts:

GUYS WANT TO DO IT!

There is a high demand to appear in pinup calendars of college men. Publishers should be able to choose from many college guys. Therefore, do not cater to, or try to convince any one college student to appear. Either they want to appear in your calendar or they do not! Students who need special handling often drag their feet and cause delays. Delays cost in potential sales. Therefore, students who expect you to cater to them, cost you sales.

BEWARE OF GIRLFRIENDS!

Beware of any college guy who involves his girlfriend into your operation. Why?? Because girlfriends do not truly want their boyfriends to “model.” Yes, they want their boyfriend to be “good looking” and for his looks to be “model quality,” but they really do not want them going on photo shoots, meeting female models and certainly do not want the competition that is generated from having their boyfriend’s body being advertised to other females by appearing in a calendar.

When it comes time to choose the best calendar photograph, girlfriends can spell T-R-O-U-B-L-E. A revealing photograph may be threatening to a girlfriend. When it comes to their bodies, guys want to “show it off.” Girlfriends want their men under wraps.

If you hold a promotional event after the calendar is released, any controlling girlfriend will either want to attend the event or will encourage your model not to attend. Remember, you cannot replace a model once the calendar is printed. You will only be able to select from the batch of 12 who appear in the calendar. That means if five guys are unreliable, you only have seven to choose from. How many of those seven will be working at their job during your event? If you convince a bar owner to hold an event, but only have one model show up, you might be in big trouble and possibly owe the bar owner for their advertising costs. If no models show up at a retail store that carries your calendar, you just might loose that store as an outlet!

In summary, chose independent-minded males.

SEX STILL SELLS?

The theme of the calendar drives which students should be recruited and selected. At Campus Men, we chose a theme that was developed after years of trial and error. Our theme was to present young, all-American college guys in sensual poses.

Your photos should answer the question of: I wonder what that incredible-looking guy I saw on campus would look like in bed? If a publisher wants to sell calendars, it is foolish to feature college men wearing sweaters. Publish photographs of guys wearing suits, fully clothed or face shots only – and you will not be returning to the market with a calendar the second year. If you want to sell calendars, appeal to the sexual motivations of the viewer, whether through a cute smile, great face or body or skimpy clothing. Attempt to give the viewer a fantasy of what it is like to be intimate with the college student.

You do not have to depict models fully nude with penis showing. Snug-fitting boxer briefs (or less) are just as exciting. Many guys will readily show their bare buttocks. By choosing students who are exhibitionists versus guys who are conservative, you give yourself valuable creative freedom when it comes time to photograph these college male models. Choose a male student who obsesses about which poses he will not pose for, versus choosing a young guy who is grateful for the opportunity you are offering, and you will undoubtedly find the production process more difficult.

Remember, there are thousands of students enrolled at your university. Why choose the ones who do not care about your profitability? You will find that buyers will remark on the one or two provocative photos that appear in your finished calendar. “Skin” photos draw more e-mails and sell more copies.

Campus Men learned this by accident. Gus Dakis posed for what our male model photographer calls a “miracle photograph” because the photo shoot was hastily put together due to bad weather. Gus and our photographer sped off to the photo shoot location and set up equipment as the rain still dripped from gutters around the pool house.

Yet, once set up, there was still no sun, which was needed for the photograph. Gus stood in exact position under the showerhead and our photographer stood by with his camera, continuously measuring light readings. Just as they decided to wrap it up and go home without taking any photos, the sun fell below the clouds, engulfing the pool area in a beautiful, brilliant deep gold color. A half roll of film was snapped off before the sun fell beyond the horizon.

Surprisingly, Gus’ photograph, which was created in two and one-half minutes, became the most popular image in Campus Men that year and was responsible for many sales. Why? Because the photo depicted Gus in a pair of wet, white shorts that inadvertently became translucent because of the hectic pace of that day’s photo shot.

GO FOR A CAMPUS FEEL

Design photographs with a collegiate or athletic feel to them, rather than “beach” themed photos. If people want to buy a beach theme calendar, they will buy the “Chippendales” calendar. Even the Chippendales calendar has changed to more “bedroom themes.” Remember, buyers want YOUR calendar because it offers college guys. While college guys are seen on beaches only during Spring Break, one will usually find college guys on the school’s quad, in a fraternity house, or playing sports. So, photograph your college men where buyers expect to see college guys. Plan imagery that brings college life to mind or portrays the college student as a sexy athlete.

Remember, the successful theme of a calendars should be: “Here’s what that athletic guy you passed on the quad looks like in bed.”

RECRUIT EXTENSIVELY

Far more than 12 students must be recruited. Calendar production processes call for locating as many attractive males on your campus as possible. It is not usual to evaluate at least 125 college guys and as many as 500 during the entire process. If you want to organize a calendar, your goal should be to meet hundreds of hot college guys.

A large number must be secured because the most important issue – other than quality of photographs – is timing of delivery. Delivering early in the sales season is very important. Calendars must be produced for delivery on June 1 of each year. This allows a seven-month selling season and allows featured college guys to talk up and sell calendars during the summer (when they have ample time to sell because they are not enrolled in classes; are usually home among family and friends). It also allows sales through national magazines, and allows the producers to reach incoming freshmen college guys visiting the campus during orientation sessions, held during June through August. This means the calendar also will be on store shelves in time for students who arrive back for the beginning of fall quarter and are seeking to decorate dorm or sorority room walls.

Winter term is a poor time to recruit college guys because completing any activity takes more time due to cold weather. We cannot easily see what college guys look like because they cover themselves with clothing when outdoors. College guys generally stay indoors, become sedentary, gain weight, and do not have tans.

If only 12 college guys are recruited, the operation can be delayed if even one student drops out or is dismissed.

Recruit a large number of college guys because appearing in a calendar is not for everyone. We found that we had to screen all guys to select only those who are willing to pose nude or nearly nude. Why? Because college-oriented calendars are not the thing for timid or conservative young men. We have published many pinup calendars with varying degrees of provocativeness. Tame pinup calendars are nice. But, few buyers actually part with $15 to buy a boring male calendar. More risqué calendars have always been more popular in sales.

WHAT TO LOOK FOR

Here’s what to look for in a college-guy model for a pinup calendar:

o Outgoing, can sell calendars. Guys who like to talk to everyone and anyone

o Muscular or defined body

o Confident guys. Young men with self-esteem problems make problems for you.

o Comfortable posing nude, uninhibited, the kind of guy who would skinny-dip for fun or go streaking at the drop of a hat

Advertising did not bring in the “right” type of college guys. Many young men who are perfect for your calendar would never think of submitting their names to you. They must be invited. That is where student recruiters are valuable.

Advertise for a team of students whose sole duty is to stop college guys on an informal basis. Advertising to locate recruiters can include classified ads, as well as fliers to sororities, career placement offices and dorms. Aim for at least three “hard core” recruiters, a Greek system recruiter and a minority representative. Recruiters need not be female. Guys can recruit and sometimes find it easier to approach other guys in gyms, classes and on the quad. Girls sometimes thinks asking a guy to pose is like asking him for a date.

NUMBERS GAME

About 60 percent of the college guys recruiters find will be acceptable. Of those students, 75 percent will accept an offer to appear. Therefore, to secure 22 acceptable college men, recruiters should locate 50 guys per calendar.

Compensation to recruiters is a finder’s fee paid for each “found” student who appears in the published calendar. Fees are payable only if the recruited student appears in the calendar. Do not pay a finder’s fee if you do not select the college student to appear, if the college student declines your offer to appear, drops out before publication, or is dismissed for any reason.

After a college guy applies to appear in a calendar (through a website), collect a bio or tape an interview with the individual. That’s how selection of new “male model” begins!

Campus Men, a calendar and male modeling resource company has been making good looking college guys famous since 1990. Campus Men recruits males age 18-26 as male fitness models, fashion models and underwear models. It has publishes excellent photography of young calendar men.

Faulty information costs you money! Which of these

popular business misconceptions do you believe?

Popular Misconception #1:

“We Only Need Our Books Done Once A Year For Tax Purposes.”

Are Your Accounting Records Adequate To Run Your Business?

Although it is important to keep records for tax purposes,

it is not the only reason (or even the primary reason) good

accounting records should be kept. Another frequent reason

clients request financial statement preparation is to obtain

bank financing. Although important, this also is not the

primary purpose of keeping good records for your business.

Good recordkeeping will enable you to extract meaningful

financial information for your business that will help you

to manage it properly. If you can`t access this information,

you will not be able to manage your business properly. Bad

management leads to business failure.

Yes, the primary reason good accounting records should be

kept is to produce periodic (at least on a monthly basis)

financial statements for management information purposes.

Only with this current financial information can you properly

manage your business. This information can alert you to

declining sales, excessive expenses, tax opportunities,

cashflow problems, and many other vital concerns for your

business.

To be of value, this accounting system should be set up

with meaningful account categories and departments. It may

be cost-effective to have an outside accounting service do

the monthly bookkeeping. However, with accounting software

that is readily available, you don`t have to be an expert

bookkeeper to do your own books and extract meaningful

financial information.

If you do your monthly statements yourself, it would still

be prudent to have your accountant or business advisor help

you set up your system and, as well review such information

with you to discuss problems and opportunities.

Popular Misconception #2:

“Writing My Hobby Off As A Business Loss

Saves Me A Lot Of Income Tax!”

Is Your Hobby A Tax Write-Off?

If your business has no reasonable expectation of profit, if it is a

hobby and not really a business, you will ultimately fail in your tax

objective. Since your losses are being incurred for a hobby and not a

true profit generating business, the tax authorities will take the

position that you aren`t entitled to any deductions. This is a double

blow. First, you`re losing money. Second, you`re denied tax deductions.

It is true, however, that if you enjoy what you`re doing, you`ll do

better at it. You`ll be willing to work longer hours and you`ll be

willing to put up with more hardships in order to make your business a

success.

Rather than attempting to have the tax system subsidize your hobby,

why not turn that favorite pastime into a real, profit generating

business? This is a doubly rewarding. First, you make money at

something you love doing. Secondly, the tax authorities legally have to

allow your reasonable expenses to earn your now substantial business

income.

Prove that you`re running a business by running a business. Prepare and

follow a proper business plan. Keep good accounting records with at

least monthly financial statements to give you the information you need

to manage your business. Above all, make money from what you do.

Popular Misconception #3:

“I Don`t Make Enough Money to Incorporate!”

Will Incorporating Really Benefit You?

Some persons resist the idea of incorporating themselves because

the tax savings may not justify the added costs of incorporation,

annual minutes, and extra tax returns. However, incorporation gives

advantages that go far beyond tax savings.

Insurance may give you some protection against loss. However, you

may suffer business losses and lawsuits that may not be covered. For

extra protection, consider incorporating yourself. The limited

liability of your own corporation alone may justify the additional cost

and complexity.

Corporations may also be used for income-splitting with your family,

as well as estate planning and retirement planning objectives.

Additionally, corporations lend some credibility to smaller businesses

and may enhance your image and prestige in the eyes of clients or

suppliers.

Lower corporate tax rates will generally apply on small business income.

Even in loss years, wages can be paid by the corporation to you so that

you may utilize personal tax credits available. If unincorporated, these

credits might be lost forever. The now larger corporate losses can be

carried forward to future (hopefully more profitable) years.

A full analysis of the advantages and disadvantages of incorporation is

beyond the scope of this report. However, being incorporated may give

you more flexibility and advantages than you originally anticipated.

Certainly, it is not prudent to reject it as an option simply because it

is more complicated and costly. In fact, it may be one of the best

investments you ever made.

Popular Misconception #4:

“I really need an office out.

Being home-based makes me look amateur!”

Is A Home Office REALLY Professional?

Many times small business persons make the mistake of generating

unnecessary overhead in order to impress clients and prospects. Often

this attitude leads to escalating debt and business failure. One such

example is getting an impressive, but expensive, commercial office

space.

Customers aren`t stupid. They can see when such outside space is

necessary or advantageous for them. They can also see when it is a

waste of money and designed to fuel your ego. What matters most to

clients is whether they are getting cost-effective results or not. If

your product or service delivers such excellent value, your customers

will be impressed and come back. In contrast, if one allows his ego to

get in the way of satisfying the customers` needs, they will go

elsewhere.

With the move to telecommuting, downsizing, networked communications,

and home-based businesses, operating from your home office is actually

smart and trendy. Can you think of a more appropriate location for a

consulting firm specializing in home-based businesses? They of all

businesses should set the example in cutting unnecessary expenses and

operating efficiently.

This is not to say that there aren`t any disadvantages to being

home-based. One certainly must be well organized, disciplined, and

willing to follow good time management principles. This alone could

mark you as more professional than other businesses, home-based or not.

Expensive office space is not the answer to reflecting a professional

image. If you are truly concerned about your image, offer quality

service. Make sure that all your corporate communications (telephone,

websites, printed materials, et cetera) reflect the professional nature

of your business.

Popular Misconception #5:

“Since we`re not seeking financing,

we don`t need a business plan.”

Do You REALLY Need a Business Plan?

To obtain financing, many persons will prepare a business plan.

Although entrepreneurs will go to great lengths to get their loan or

capital, these same business persons will not bother to plan ahead very

far or analyse their business. Even if you required no additional

money, preparing a business plan can help you to succeed in your

business.

Running a business without a plan is like going on a trip without a

map,sufficient gas, money, or even a destination. Just as you wouldn`t

go on a vacation without some planning, no business can be successful

without it. Putting that plan in writing helps you to think out a

strategy for successfully operating and growing your business.

Where is your business today? Where will it be tomorrow? What is your

mission statement? What product lines are profitable? Which ones

aren`t? What business do you think you are in? What business do your

clients think you are in? Should you be in a different business? Is

your product or service less attractive to your clients? How are

competition, global commerce, technological and social changes affecting

your company? What is your competitive strength? What are your

weaknesses? Who are your biggest competitors? What are their

weaknesses and strengths? What is your marketing strategy?

What are your projected income and expenses and cashflow for the next

year? How about the next five years? Do you have a capital budget?

What determines whether you buy an asset or not? Do you have an exit

strategy? How will you manage growth? Do you have a financial plan? Do

you have an operations plan? What definite sales and net profit targets

have you set for this year and the next five years? What factors could

interfere with the attaining of these goals? What contingency plans have

you made to deal with such problems?

The purpose of these questions is to get you thinking and planning.

If you fail to plan, you plan to fail. Although your accountant or

business advisor can help you prepare your business plan, only you can

set the appropriate goals and follow through on them. Yes, you

definitely need a business plan, not just for obtaining capital, but as

a roadmap for your business.

Popular Misconception #6:

“I like bartering with clients

because it saves paperwork and taxes.”

Are You Reporting Barter Transactions?

Bartering is an excellent way of doing business. However, contrary to

popular belief, some barter transactions are taxable, both for income

and sales tax purposes.

Legally, you must maintain adequate financial records for your business.

Barter transactions made by your business must be reported to the

appropriate taxation authorities and taxes paid. However, transactions

between friends not engaging in business with each other may not be

taxable.

If you are an auto mechanic and I am an accountant and I swap accounting

services for your car repair services, the transaction in this case is

most likely taxable, even if we are friends. However, your accounting

fees should be deductible as a business expense and so should the

business portion of my car expenses. Note also that sales and similar

taxes may apply on this transaction.

On the other hand, if I trade accounting services for a vacation for my

family, I should really declare the value of such services as income.

The firm supplying the vacation would be able to deduct that value as

accounting fees. Any sales or similar taxes would have to be paid on

such transaction.

Many persons don`t record such transactions. For some, it may be a

matter of wanting to believe that you don`t need to be bothered with the

extra paperwork or taxes. Remember, though, that ignorance of the law

is no excuse. Legally, you must keep proper records and pay all taxes

due.

Popular Misconception #7:

“All My Workers Are Self-Employed, So I Don`t Need

To Bother With Payroll Or Workers` Compensation.”

Do You Need To Pay Payroll Taxes?

To save on payroll taxes and workers` compensation premiums, many

employers arrange their affairs in such a way that those working for

them are self-employed, independent contractors. This is good tax

planning.

On the other hand, some employers take the position that all those

working for them are self-employed, whether they are or not. Although

it is tempting to eliminate payroll taxes and workers` compensation

premiums, care should be taken to do so legally.

Whether those working for you are employed or self-employed is a

question of fact (which can be determined by the Courts). Do you supply

the tools and vehicles? Do you determine the working hours? Do you

have the right to control how the job will be done? Do you pay a

flat-rate or by-the-hour or a salary? Does your worker have other

clients?

By asking several such questions, a pattern will emerge as to whether

your worker is employed or self-employed. If it turns out that your

worker fits all the criteria of an employee, don`t say he`s

self-employed. On audit, you would still be responsible for the payroll

taxes (and penalties and interest as well).

Even if your workers are considered independent contractors by the

Income Tax Department, it is still possible that they will be considered

to be “workers” for purposes of Workers` Compensation legislation.

Thus, it is the responsibility of the employer to determine whether such

coverage is necessary or not. Failure to obtain proper coverage could

subject you to substantial (and unnecessary) costs.

In review, calling someone self-employed, doesn`t necessarily make them

self-employed. If you have a dog, call it a dog. Your position that

your dog is really a cat will not be successful. Likewise, make sure

that your position regarding your workers is legally correct.

Popular Misconception #8:

“My Accountant Charges Too Much.

I Can`t Afford It Anymore.”

Is Your Accountant Worth His Fee?

Many business persons view bookkeeping, accounting, and tax preparation

as necessary evils. In their view, accounting fees are an expense to be

reduced, deferred or even completely eliminated.

A good accountant, however, can give you benefits far in excess of the

fees charged. Well-designed accounting systems will enable you to

extract meaningful financial information for your business that will

help you to manage it properly, avoid business failure, and alert you to

declining sales, excessive expenses, tax opportunities, cashflow

problems, and many other vital concerns for your business.

Your accountant can save you lots of money with the advice you receive

on tax and other business matters. As well, a competent accountant can

be a valuable resource in discussing business problems and opportunities

with you.

Popular Misconception #9:

“Nobody Makes Money On The Internet.”

Can You REALLY Profit From The Internet?

Many people feel that the Internet is all hype. Many others feel that

it is overrated. Still others are of the opinion that it may be good

for some types of business, but not theirs.

Typical comments heard include: “I`ve lost money on the Internet…Major

corporations have lost millions…Do you personally know anyone who has

made money from the Internet?”

However, if you check out the list of recent billionaires, a high

proportion of these are Internet-related, and many of them under

forty years of age. As well as the very rich, you can find many cases

of more modest financial prosperity resulting from Internet commerce.

It is true that many are losing money on the Internet. It is also true

that many don`t know what they`re doing. However, with the proper

assistance, you, too, could profit from the net.

J. Stephen Pope, President of Pope Consulting Inc., http://www.popeconsultinginc.com/ has been helping clients to earn maximum business profits for over twenty-five years.

For valuable Work at Home Small Business Ideas, visit http://www.yenommarketinginc.com/

We Look At What Fish Tank Is Best For You And Your Home:

A fish tank is an enclosure, such as a tank, pool, or bowl; that is used for keeping pet fish and/or other aquatic animals, for example crabs, mollusks, etc. Today, the word aquarium is commonly used for a fish tank, though aquarium also refers to a place for exhibiting live aquatic animals and plants to the public. A fish bowl is more specifically used to denote a transparent bowl for keeping live fish.

The following are the things you will need whether you decide to buy a small fish tank or a big fish tank:

1. Fish! (and fish food!)

2. Plants

3. Gravel

4. Filters

5. Pump

6. Heater

7. Lights

8. Chemicals

9. Decorations

With regards to the fish you need to decide if you are going to have a saltwater fish tank or a fresh water fish tank.

Another aspect on your decision making will come down to the cost as it stands to reason that a small fish tank will be cheaper than a big fish tank.

Live plants are an essential presence in every aquarium for many reasons. First, they add a natural and attractive look to the aquarium, and secondly, they provide the pet fish with a natural source of food. Live plants reduce the growth of algae in the fish tank, but most importantly, live plants produce oxygen through photosynthesis and continuously add it to the water for the fish to breathe.

Why Do You Want A Big Fish Tank?

There are many ways where small is beautiful; however, in this matter, the opposite may be correct. A big fish tank is always better than a small one because it can show much more diversity and also hold larger size species of fish that are far more interesting than the small ones.

A big fish tank comes with an extra-large pump for oxygen, extra thickness of glass, and you will need good filters. You need to keep in mind when you plan your big fish tank that for marine fish you will need two gallons of water per inch of fish.

The beauty of a big fish tank is definitely something you cannot overlook or ignore. Just imagine for a moment a wall-sized fish tank mounted to make one side of the bedroom or drawing room a live wall.

Besides the sheer size, the decorations that you can stuff in it, as well as the fish varieties that it can house, can leave one awe-struck. Hence, if you can afford it, you should definitely go for a big fish tank – it will add exceptional glamour to any room or place.

The Disadvantages of a Big Fish Tank

The big fish tank is beautiful true, but the maintenance is a nightmare.The filtration of water can be aided by natural recycling of the water; however, the oxygenation can cause major risks if the pump fails to produce the required oxygen for the fish.

A Small Fish Tank Can Give You the Best of Both Worlds

For those people who still want to have pets but are scared of the commitment they can choose fish as pets. Fish don’t need walks, bath, or special visits to the vet if they are not well.

That small fish tank can give you all that you want from a pet without the liability of having a pet. Fish can be trained just as well as any other pet — they recognize you and they do small somersaults when they see you coming close to the aquarium. Goldfish can live up to 10 years in the aquarium.

The Following Should be remembered when caring for your fish tank:

o You should buy a minimum 20-gallon capacity fish tank.

o When you wash the filters do not use tap water; rather use the aquarium water. In this way the friendly bacteria will not be killed.

o Never overfeed your fish:they will die if they are overfed.

o When fish are sick have another tank where you transfer them until they recover.

o Choose freshwater fish over saltwater fish because they are easier to maintain.

o Install a good filter, heater and lights.

Once you have bought your fish tank and set it up, you will need to add the decorations. This will be the finishing touches to the start of a very relaxing hobby.

http://www.fishtankfun.com is an informative site offering advice relating to fish, fish tanks, aquariums, fish tank stands,filters,lights and all other material with regards to keeping fish

To dine out and lose weight is not a trick played on you to increase business sales of whether it be fine dining restaurants or fast food joints. The concept is even a contradiction in itself because who could ever lose weight when confronted with multitudes of mouth watering choices, ridden with calories. On the other hand, it can really be done! Impossible is a word becoming less popular these days since almost anything is assumed as achievable when you know how to play by the rules.

Never eat out when you are starved. Curb your hunger with a gratifying snack such as celery stuffed with cottage cheese or you can also just down a glass of tomato juice. You can therefore moderate the amount of food you’ll be ordering since you have contained your appetite.

Try to order food that is difficult to consume quickly like lobsters and shrimps. Extra effort is given to just shelling them and remember to chew slowly. Have your food hot off the grill which allows you to concentrate on eating while waiting for the rest of it to cool down.

Portion sizes are relatively bigger when eating out. You could always give some of your food to whoever is keeping you company. You can also set aside half of the food to take home with you, so you don’t consume everything in a sitting. To dine out and lose weight doesn’t mean it has to be frustrating.

Make special requests like having salad dressings and other sauces on the side, so you have full control on how much you put in your dish. Ask for available herbs or spices instead of always gunning for the salt. They only have minimal calories that can still add flavor and appeal to your food.

You’ll have better chances of success when you just truly enjoy yourself and not really stress about dining out. You are really able to hit two birds with one stone! To dine out and lose weight is a refreshing way to battle and beat the bulge!

Food is our ally in losing weight! Why restrict yourself with the foods that you like to eat when it is possible to lose weight by eating more. To reap the benefits of this life changing program for losing weight, please visit http://bestweightlosshq.com.

It may be a Cliché but the old saying about the UK being a nation of animal lovers would appear to be accurate at least it applies to more than 52% of households in this country, for that is the proportion of homes that own a pet.

What types of pets do we own? Recent market data shows that there are 6.1million Cat owning households, 5.2 million Dog owning households, 4.1 million Bird owning Households , 1.9 million rodent owning Households and 1.39 million Bird owning Households. In addition a little fewer than half a million households choose to share a home with reptiles or snakes.

Of the major domestic Pets Cats and dogs there are 9.58 Million cats and just under 6.8 million dogs, these on there own account for nearly 70% of the spend in the pet supplies market

No wonder the Pet Supplies Market is expanding with new pet products coming on stream all the time.

A recent survey of Pet owners who took their animals to a vet, found that nearly one-third said they spend more time with their pets than with their friends. Animals are playing a larger role in our lives and working people are choosing to provide them with a good life

As a nation we seem to enjoy the benefits of sharing our lives with our pets. Seemingly we thrive on the affection, companionship and security we receive in return for food, comfort safety and exercise. Whatever our lifestyle, whether we are busy families, professionals or singletons, it seems there is a pet to suit. The Nations 12.5 million pet owners spent an estimated £ 4 billion on pet Supplies in 2006 according to the Pet Industry Joint Advisory Council.

When we think of pet Supplies we tend to think of Pet Food, With over half of UK households owning a pet, and approximately 90% of pet owners feeding prepared pet food at least once a week, the market for prepared pet foods is significant. The current market is valued at just over £1.5 billion.

Increasingly we are moving towards feeding our pets Premium dry complete products, these continue to show growth as the associated health benefits of a premium dry diet become increasingly appreciated.

We tend to buy our pet supplies from a variety of sources but the Pet supplies market is something of a rarity in this day and age, proving to be one of the few remaining fragment distribution channel market places. In plain English these means that we tend not to buy all our pet supplies from the major supermarkets. This can be put down to the increasing moves towards specialty or breed specific foods and the huge range of equipment, homes, tools, accessories and toys used by pet owners. In practice even the largest Supermarkets don’t have the space to offer anything approaching the range of the average pet shop.

We also tend to want to seek advice when purchasing on behalf of our pets and subsequently many people still seek the advice of the local pet Shop. The increasing trend towards online shopping in most market places was a little slower to take off in the Pet Supplies industry because of this. However large numbers of pet owners are now choosing to but their pet supplies online, with websites that are set up to facilitate customer interaction and question answering doing best.

Terry King runs Parcel Pets [http://www.pets2home.co.uk], a leading UK pet supplies [http://www.pets2home.co.uk] web site and has had pets all his life. He lives with his wife Louise, dog Sam, Cat Sabrina and 5 fish!

Ham is usually sold in one of three conditions:

1) Fully cooked

2) Partially cooked

3) Uncooked

Although the cooking techniques are similar, there are differences between a fully cooked and a partially cooked or uncooked ham. For example, a fully cooked ham should be cooked to an internal temperature of 140 degrees Fahrenheit, while a partially cooked or uncooked one should be cooked to an internal temperature of 160 degrees.

The instructions below are grouped into sections for fully cooked and partially or uncooked hams. –

Roasting or Baking–Fully Cooked

There are three basic types of fully cooked ham:

1) Wet cured or City Ham

2) Spiral sliced

3) Canned hams

Keep in mind that a fully cooked ham does not require cooking; it can be eaten as is. But cooking it can bring out the flavors of its own juices. The flavor can also be enhanced by adding other ingredients during the baking process. A fully cooked ham should be cooked to an internal temperature of 140 degrees.

Spiral Sliced Ham

This type is pre-seasoned and does not require cooking. However, if the ham is to be served warm place it in aluminum foil, cut side down and add approximately ½ cup of water. Wrap ham tightly in aluminum foil and cook at 275º-300º. Allow 10 to 14 minutes per pound cooking time. Ham may be removed from oven when internal temperature reaches 135º. Allow to sit in foil for a few minutes until the internal temperature reaches 140º.

Canned Ham

Place the ham in a shallow cooking pan, uncovered. Bake at 325º. Allow 15 to 20 minutes per pound cooking time.

Wet Cured (City) Ham

This ham may be cooked either covered or uncovered.

Covered

Trim any excess skin and fat. Do not trim off all the fat as that is what produces the juices and flavor. Place ham in a roasting pan, if cut, place cut side down. Cover with aluminum foil and bake at 325 degrees. Allow 15 to 18 minutes per pound for whole hams and 18 to 24 minutes per pound for half hams. Glazes, if used, should be applied during the last thirty minutes of cooking.

Uncovered

Follow directions for covered ham, except do not cover with foil. Use same cooking temperatures and times. Apply glaze in the last 30 minutes of cooking.

Roasting or Baking Partially Cooked or Uncooked Ham

These hams are defined as Dry-Cured (Country) ham or Wet-Cured (City) Ham types. Remember, regardless of the type, these hams should be cooked to an internal temperature of 160 degrees.

Dry-Cured (Country) Ham

These hams need to be washed and soaked for up to three days before cooking. Follow the label directions on the ham for washing and soaking instructions. This type of ham can be baked covered or uncovered.

Covered

After soaking, place it in a large roasting pan with 4 to 5 cups of water. If the ham has a skinless side and a side with skin, put it in the roasting pan skin side up.

Cover the ham with aluminum foil or a cover. Put the ham in a preheated 375 degree oven and increase oven temperature to 500º and cook at this setting for the first 10 minutes only. After 10 minutes, turn the oven off and allow the ham to set for three hours without opening the oven door. Turn the oven back on to 500º again for 15 minutes. This time, the ham needs to set in the oven, without the door being opened, for 6 to 8 hours. After setting, the internal temperature of the ham should be at least 160 degrees; if not, repeat the 500 degrees setting again for 15 minutes and check the ham after 1 to 2 hours. If desired, brush with glaze before serving.

Uncovered

After soaking, place the ham in a large roasting pan with 3 cups water. Do not cover. Put the ham in a preheated 325 degree oven and cook until the internal temperature reaches 160 degrees. As a guide, a whole ham will need about 18 to 20 minutes and a half ham will need about 22 to 25 minutes cooking time per pound.

Wet-Cured (City) Ham

Use the same methods as the fully cooked wet cured hams, but remember to cook to an internal temperature of 160 degrees. Therefore, the cooking time will be a little longer than that for a fully cooked wet ham.

Ham Cooking Tips

• Baking at lower temperatures but with increased times will result in richer flavored hams. Do not use temperatures below 200 degrees.
• Do not pierce the ham once cooking begins-this allows beneficial juices and flavorings to escape.
• When checking the internal temperature, avoid touching the bone with the thermometer as this can cause an incorrect reading.

Learn more about how to cook a ham and about cooking in general at these links.

Ray T. Lewis thinks that if it’s pork, it tastes good. And that just about sums up his ideas on food.

The Invention of Cable Television & Alternatives to Cable TV

There are many claims to the first CATV system, but only one thing is for certain; it originated in the United States and, according to one famous recollection, cable television had its beginning in 1948 in Mahanoy City, Pennsylvania. Community antenna television, as it was then called, was invented by John and Margaret Walson out of a necessity to bring television to their customers. They owned The Service Electric Company, a company designed to sell, install, and repair appliances. When they started selling television sets in 1947 their Mahanoy City customers were reluctant to buy because of reception issues. This particular region of Pennsylvania had difficulties picking up the stations in nearby Philadelphia due to the mountains that surrounded them.

To solve this problem, Walson installed an antenna on a utility pole that he placed on a local mountain top. It allowed him to demonstrate that the televisions could pick up good broadcasts coming from some of the Philadelphia stations using modified signal boosters and cable to connect the antenna to his store. So, in 1948, he charged a small fee and connected the antenna to several of his customers’ homes as well, marking the beginning of the cable television business.

The early 1950s saw further development of the cable system. By then, the FCC had released its hold on a three year long freezing of new television station construction and had “assigned a nationwide television broadcasting plan”, leading to the fairly rapid development of new television stations. Department stores began to encourage television viewing by displaying several different models for sale. Of course, this meant that television antennas had to also be sold. At the time, each home or apartment required its own antenna, creating a somewhat unsightly “forest of antennas” on the roofs of some apartment buildings.

This prompted Milton Jerrold Shapp to create a system that used only one master antenna for an entire building. He did so using coaxial cable and signal boosters, enabling the cable to carry several signals at once. Not too long after that, another appliance store owner experiencing the same problem as that of the Walsons read about Mr Shapp’s system. Figuring that, if it could work for apartments and department stores, it could work for an entire town as well and he set up the first cable television system similar to how we know it today.

Because of Mr Shapp’s innovative new system, television spread like wild fire throughout the country, enabling remote and rural areas to receive a signal and “by 1952, 70 ‘cable’ systems served 14,000 subscribers nationwide”. But, of course, people would not remain content with allowing the cable system simply to be used as a means of providing better signal strength to rural areas.

Toward the end of the decade, cable operators began using technologies to pick up signals from stations hundreds of miles away, irreversibly changing the way the cable and television industry operated. This new found ability to import more signals from distant stations also allowed for more programming choices. Now, the cable systems that only allowed for three channels (one for each network) soon changed, allowing room for seven or more channels due to the fact that they could pick up programs from distant independent stations (2). This created more interest in cable as a provider for city television as well because of the variety in choices it allowed.

By the early 1960s there were nearly 800 cable network systems in business. Many of these cable network companies started expanding into multiple cities, causing the beginning of the multiple system operator (MSO). Yet, the local broadcasters were afraid of the competition that cable companies were creating so they asked the government to stop the importation of signals by cable companies. The freeze that the Federal Communications Commission (FCC) placed on the importation of cable signals lasted until 1972.

In 1972 the service channels that people pay an extra premium for were started when Service Electric began to bill for Home Box Office (HBO). It had a minimal beginning with about a few hundred viewers the first night. However, it has become one of the largest pay cable services around. It is because of its success that so many others have followed.

In addition, the craving for more channels led the FCC to issue a rule in 1969 that required “all CATV systems with over 3500 subscribers to have facilities for local origination of programming by April 1, 1971″. Furthermore, in 1976, the FCC decided to require that new systems must have more than 20 channels to choose from and that cable providers that had more than 3500 must provide public channels for education as well as government access.

Thus, cable television has been divided into two different services: basic service and premium services. Basic cable generally includes the local television networks and a few other common channels that are not transmitted with any type of encryption method while premium channels scramble their signals. They include channels such as HBO, Cinemax, Showtime, and Starz and are generally paid for in various extra packages in addition to the basic service.

The fees for service, whether basic or premium, did not defer customers and by the 1980s the major three television networks (ABC, CBS, and NBC) had all but lost their monopoly on viewers. “The era of network television” was coming to an end. Even other news networks began to emerge. “By 1985, 68% of all American households (60 million) had cable television service” . Cable News Network (CNN) first appeared on the scene in 1980.

With the emergence of all the new cable networks, cable television revolutionized the way Americans viewed television, and inspired many more changes yet to come. The invention of the VCR and, still later, the DVR would follow suit, yet again changing how American’s use their televisions.

In recent years technology has begun to produce alternatives to cable television. As internet content grows to out weigh what cable TV services can offer. Many people have begun to migrate from cable television to Internet television. (24% in the US, 40% either use Internet TV alone, or a combination of Cable and Internet TV together) Internet TV provides the user with an opportunity to view all their favorite programming, most commercial free, in High Definition and directly to the users television. Internet TV. Internet TV has the potential to replace cable television as the preferred method of home entertainment delivery.

Savings and selection are mentioned as the primary reasons to switch to a Cable TV alternative. The average monthly cable bill in the US is between one-hundred fifty and two-hundred dollars per month. Internet TV in comparison has a one time fee for the home component and no additional monthly viewing fees. Users who wish to use services like Netflix and Blockbuster online may now watch movies directly on their HD television. Internet TV does not bypass legal means of content delivery, you must still pay the fees associated licensing fee for movie rental sites like Netflix and Blockbuster.

Free Internet TV content currently licensed for viewing online in high definition. (Short list) All programming from the major television networks; ABC, NBC, CBS, FOX, most cable networks (CNN, E!, etc) also broadcast their programming online for free. Some advance the broadcasts online before airing on their cable networks. Hulu, Fancast and Spreety are among a few providers available who collect all the legal content in one place for easy viewing by the user.

Join the Internet TV Revolution.
What is WhiteHatt?

One of my favorite times of year is Restaurant Week. If you’re planning to participate or just need some tips about how to dine out with your toddler, here are some tips that should make the process go much smoother. Of course, if you are even reading this, I know that circumstances did not allow you to get a babysitter.

Have a Plan

Going to a nice restaurant (especially for dinner) with a toddler will work best when there is a plan in place. Trust me on this one. My family’s frequent travel lifestyle has allowed us to dine in some of the finest restaurants around the world. But no matter if we are dining in London, Bali, New York or Maui one thing remains the same, we always have a plan in place when dining with the little one. One way to do that is to peruse, the restaurant’s menu online ahead of time so that you can and get an idea of what you would like to order. This will save everyone time and help things run more smoothly.

Dine Early

It is not a good idea to schedule dinner when your little person is sleepy or hungry. Yes you read right. Give your toddler a small snack right before you get to the restaurant so that he or she is not famished waiting for your order to get to the table.

Request a Corner Table

Ask the restaurant host/hostess about getting a seat in a corner or away from most restaurant patrons if possible. Remember, although you were not able to secure a babysitter for your night out, you should try to be courteous to other restaurant patrons that are enjoying their night out. Your time will come.

Set the Rules

Be clear with your toddler about what the rules are early on. Set boundaries and enforce them. For example, keeping your little tike in the booster seat or high chair through-out the course of the dinner is a good rule to enforce. Not only will it keep small fingers out of other people’s food but, it really is not safe for an un-guided toddler to be walking around a restaurant anyway. Candle lit dinners, knives, hot plates and bustling servers can make the restaurant an unsafe place for a toddler to be.

Kids First

Even if the server attempts to take your order first before that of your little one, politely request that you need to order the food of your toddler first. Also indicate that you would like your child’s meal to be served as soon as it is ready. More polished servers will do this automatically; novices however, may need a little reminder. Remember, although many steakhouses and fine dining restaurants may not have kid’s menus, the chef is willing and able to prepare items like chicken fingers, pasta with sauce and other items upon request. You just need to ask.

Come prepared

I always go to even the finest restaurants equipped with three things: a bib, a sippy cup, and a favorite book or quiet toy (such as a plush animal or book). In addition, do not forget to pack essentials like diapers, wipes, pull-ups etc if you don’t want any accidents.

Cut it Short

I hate to say it, but this is probably not the time to order the chef’s “special tasting or prix fixe menu”. A two course maximum is essential unless you are dining at a very kid friendly restaurant or your toddler is more patient than usual.

Be Ready to Call it Quits

At the end of it all, you should be ready to signal for the check and a to-go container at a moment’s notice. As a parent, you will know when your toddler has endured enough of a “good thing”. When that time comes, appreciate it for what it was and head out the door…food in hand of course.

Although I hope that you will not need these tips ( due to having a reliable sitter and back-up sitter on speed dial), following these pointers will make you a pro at dining out with your toddler in no time.

Lisa Leslie-Williams the “Domestic Life Stylist”, is passionate and an expert in matters concerning the home as it pertains to suburban living. She takes a multi-faceted approach to the topic from a modern mom’s perspective.

Lisa is also the author of the ebook “21 Smart Ways to Save Money Now”.

For more information on cooking, travel, entertaining, budgeting, family health and to reserve your free copy of her ebook, subscribe to the free email updates at:

http://thedomesticlifestylist.blogspot.com/p/free-updates.html

The PHP generally stands for Hypertext Preprocessor. It is nothing but a server side scripting language that permits the web developers to generate dynamic content to interrelate with the database. PHP is a scripting language just like the Active Server Pages. PHP is mainly made use for generating web based software application. PHP gives a healthy strong support to quite a large number of databases like Oracle, Sybase, Solid,MySQL, Informix, and Generic Open DataBase Connectivity. PHP is a free of charge to download and use. PHP could be written as scripts that exist on the server and it could generate HTML output inorder to download the web browser.

On the other hand PHP can be embedded and routed in HTML pages which are then saved with an extension of .php. Next the PHP sector of the pages are then parsed on the server by the PHP engine and then the PHP code is removed out early before the pages are download to the web browser. As PHP is embedded with tags the creator could move about between HTML and PHP inspite of making use of a hefty number of codes. Since PHP is carried out and accomplished on the server, the codes are not visualized to the spectators. The very same task could be carried out and achieved in PHP as a CGI program and it is well-matched with several different kinds of databases.

When discussing about the PHP file, the file has the ability to hold text, scripts and HTML tags. Generally the PHP files have a file extension of “.phtml”, “.php” and “.php3″. Normally the PHP files are returned back to the browsers as a simple HTML code. Above all PHP acts as a filter. The PHP program captures the input from the file or a stream enclosing texts and also some particular information directives and outputs the other stream of data for the view. From PHP 4, the PHP parser compiles the input to generate byte codes for dealing by the Zend Engine for presenting a superior presentation over its interpreter predecessor. The Zend Engine II is the central part of PHP5. Scripting language is used to build interactivity of database and also to generate dynamic content on the Web which is frequently used with MySQL.

PHP is quite easy to understand and learn. PHP has the capability to run on several platforms and also it runs more effectively on the server side. PHP is well-suited with all servers like IIS and Apache which are used these days. PHP never charges to download. It is easily downloaded from the official PHP resource. Scripting language and interpreter is obtained freely and it is mainly used on Linux Web servers. PHP is just a substitution of ASP technology. PHP is a healthy and a good programming language which is akin to ASP and the only difference is that it runs on UNIX servers instead of Windows based servers. It is made use of linking a database and also to generate all kinds of web applications like altering content, calendars, e-commerce and product catalogs.

Nila Priya – PHP

Yes, I am a recovering clothing shopaholic. Perhaps you think clothing shopaholics are just women who can’t control their urge to spend money on clothes. But that really isn’t what the addiction is all about. There is a big misconception about clothes shopping addiction. So I am going to let you in on the truth about it and tell you all about the secret fantasy life of the women who have it. You see, all female clothing shopaholics have one thing in common:

WE CRAVE FLATTERY, ENVY, AND COMPLIMENTS ON OUR APPEARANCE EVERY DAY OF OUR LIFE.

When we get a compliment or an admiring stare on the way we look, we feel great. And here is another truth about our addiction: we all have a “female appraiser”. A “female appraiser” is the female in our life that we always imagine envying us and complimenting us when we try on new clothes. She is the one we always wear new outfits in front of to get appraisal and compliments about how we look. She is the one who notices every new pair of shoes, every new piece of jewelry, whether our hair looks particularly healthy and attractive that day, and every new item of clothing we are wearing to the minutest degree. She dissects us physically; she is our lifeblood to feeling we exist; by noticing us, envying us and complimenting us; she makes us feel alive.

And we are her female appraiser as well. We notice every new item she wears and we comment about how good she looks as well. We often envy her appearance and new outfits. Our relationship is the mutual symbiotic feeding of our ego envy. Usually our female appraiser is our female mother, sister, friend or coworker who we subconsciously compete and look to get approval from about our appearance. We always try to upstage her in appearance and make her feel envious of us; we always think about whether what we buy will make her envy how we look before we buy it and when she sees a new outfit on us and we feel her envy (of course the ultimate high is when she asks us where we bought it) we have our ultimate addictive fix. We even watch how many people notice us more than her when the two of us walk together in public, to know that we are getting more attention than she is. Yes, it’s an “envy/dislike/need of approval dynamic” we have with our female appraiser (or multiple female appraisers) on a complicated physical and emotional level.

When I was a clothing shopaholic, I lived for clothes, they were my life passion. I still love clothes. But I am less in need of the power they give me to be noticed, admired, and envied. The need to shop for clothes and imagine wearing them and getting compliments from women when I wear them has taken less of a hold on me. But there was a time when shopping for clothes was an essential part of my daily life because I lived for the attention and praise those new outfits gave me.  I would  fantasize as I tried them on in the store and imagine being envied by my female appraiser when I wore them. And once I bought them, wearing them always made me feel special and alive when I got that attention, envy and praise from my “female appraiser”. I always needed to wear something new to be noticed and that is why the money was spent; to continually have new clothes to wear so I would continually get compliments and be noticed. When I wore that outfit a second time, it wasn’t new anymore and no compliments were given because they’d already been given when I wore it the first time. So that outfit did not serve its purpose any more for my addiction unless I wore it in front of a different female appraiser who never saw it before (sometimes I had 3 or more female appraisers in my life). On the days I wore an outfit that I received no attention about, I actually felt invisible and depressed. Sometimes just thinking about another new outfit I would wear the next day and how good I’d look and how envied I’d be was all I thought about on those depressing days. It was the only thing that kept me going; imaging that outfit in my closet and the power it would give me to be noticed and complimented.. I’d fantasize about the shoes I’d wear with the outfit and how I’d match my eye shadow to it and the admiration I’d be getting. Because I always knew exactly what to buy and wear that would make my female appraiser envious and wish she had my clothes and got the attention I was geting. And what a euphoric high that would give me; even thinking about that happening.

Clothing shopaholics have an odd addiction because when you take away the women you feel competitive with, the addiction loses its hold on you. That’s because the addiction is about fantasizing about being envied for how you look in clothes. But take away the female appraiser, and you don’t have the envy and you lose the need to fantasize or shop for clothes. Of course, eliminating female appraisers in your life isn’t easy. As long as you have a mother or work in a corporate office, or have a female sibling you see, you will have a woman in your life assessing your appearance. Even when babysitting my friend’s 10 year old daughter, she assessed my appearance by informing me my pants didn’t match my top; “the colors were off” she told me. And here I thought I was free of that kind of appraisal from children and could just “throw on sweats and any old top.” After all, why care what a 10 year old girl thinks about how I look when I’m babysitting her? But yes, her comment did bother me, although I stood my ground and refused to change my clothes. Needless to say, she is a budding clothing shopaholic in the making.

Here are some more truths about this secret clothing shopaholic life: I would go into my favorite clothes stores every day to return clothes (which I loved to do because it gave me an excuse to shop again) and always walk out buying something else, usually something I knew I would probably return. Walking into a store filled with clothes and breathing in the smell of new clothes gave me a euphoric high. Trying some new outfit on and imaging my female appraiser noticing it and complimenting me on it and asking me where I bought it; just imaging that happening as I tried on the clothes in a store gave me an adrenaline rush. This is what my clothing shopaholic addiction was about. Most women who are clothing shopaholics are clueless about what the core of their addiction is about. They think it’s about an addictive need to spend money, but it really isn’t about that. Yes, you do need to spend money to buy new clothes to feed your “attention fix”, because without buying something new, you don’t wear something new; and without wearing something new, you don’t get your “fix”. And you have to go to a store to try on something so you can experience the fantasy in your head of getting the attention, which is the first stage of the addiction.

So this is why spending money becomes a problem. And mistakenly becomes what everyone thinks the addiction is about: the inability to stop the urge to spend money on clothes. But teaching someone to resist spending money does not curb or cure the addiction. The only way to curb or “cure” it is to remove the need for a “female appraiser” in your life. But that is another article for another time. The money spent by clothing shopaholics becomes the casualty of the addiction, but it is not the addictive need to spend money that causes the addiction. I would venture to say that alcoholics get an addictive fix sitting in a bar and breathing in the smell of alcohol and seeing other men who are alcoholics around them. Yes, the need to drink alcohol plays a role in the alcoholic’s addiction, but so does the need to be in the environment. It’s the same with clothes shopping addicts, we need to be around clothes, smell the smells, and try on clothes. It is a comforting experience that calms our nerves and gives us an inner peace. But, why? It has taken me a very long time to understand my addiction to buying clothes; why I shop for clothes and why I need the attention, flattery and criticism about my appearance. I realize it all started when I was a child growing up in my mother’s clothing shopaholic world. So let me share my childhood story with you:

I was born a beautiful little girl full of life and love. I received a tremendous amount of attention from my grandparents, father, aunts and cousins. It seemed as if everyone wanted to be with me, hold me, walk with me and give me endless praise about how cute I was. Well, almost everyone. My mother envied the praise and attention I received. She found it difficult to praise me or give me physical affection. She rarely stayed in the same room with me unless she had to tend to me needs. This went by unnoticed by others, because my mother did interact with me on the surface; she picked me up; fed me; dressed me; bathed me; she did all those “interactive” things a mother has to do to raise her daughter. But there was one very important thing she did not do and that was to LOVE ME UNCONDITIONALLY.

She never hugged or kissed me, she never told me how much she loved me, and she never expressed true appreciation of anything about me to me. Yes, she told others what she appreciated about me, but she could never say those words to me. My mother was unable to give me the emotional connection of unconditional love because she did not feel good about herself as a person. She envied me for the attention and love I received. She envied me for having so many qualities she felt she didn’t have, because her own mother raised her with the same kind or resentment and envy. She found it very difficult to be in the same room with me, or to have a picture taken with me, especially when I got attention, just as her mother had found it difficult to do the those things with her.

As I grew up, my mother’s interaction with me became one of constant “assessments” about my appearance and “monitoring” of everything I did to an extreme. She criticized me endlessly about my appearance; justifying her criticism by saying “I tell you this because I’m your mother and I love you”. She always justified her comments by telling me she had my “best interest at heart”. This seemingly good intention justified her commenting on my appearance every day: whether it was leaving the house with the wrong coat, wearing the wrong outfit, not standing up with proper posture, not wearing my hair the right way, not eating or liking the right foods which made me too thin; her interaction with me was a constant barrage of comments about something that was wrong with my appearance. This constant criticism eroded my self worth to the point that I could barely make friends, and had intense insecurities and shyness around everyone growing up. She used her control over my appearance to control my self confidence. When she took me shopping to buy me clothes, she ridiculed and criticized me about how I looked as I tried on clothes with her in the dressing room. She never liked anything I liked on myself. I was always too thin, my posture was too slouched over, and according to her, I looked awful in everything except the one garment I didn’t like. And that was the one she bought. My mother made me feel ugly inside and out. She controlled my ability to be make independent choices about my appearance and to feel that my self worth was only based on looking physically good.

As a child, I believed I deserved to be treated this way because I felt there was something innately wrong with me. I did not realize I was being verbally abused. How could I? My own father, although adoring me in every way, ignored her cold, critical behavior towards me. I never understood that her behavior towards me was based on envy. To me, she was so incredibly beautiful and well dressed, that is seemed ridiculous to think that she envied me. As an adult, I now can see that her interaction with me was her way of dealing with her own low sense of self esteem. But as a child, I just felt physically flawed and inferior to everyone around me. I fixated on my appearance, my hair, my skin, my posture, and I always felt unattractive, physically flawed and inadequate. I only saw women as worthy of existing and having friends and being liked if they were attractive. My mother was a clothing shopaholic. She shopped endlessly spending money on clothes for herself every day and often returning ½ the clothes she bought the next day. She took me shopping with her wherever she went. When my mother bought herself clothes, I enjoyed the experience tremendously, because it was the only time she was happy and loving towards me. When I helped her find her favorite Kimberly® designer dress; it was one of the few times we bonded as mother and daughter. I felt such pleasure watching my mother look at the clothes she tried on in the mirror. It was the only time she seemed to like being with me. And seeking those good feelings became the root cause of my own shopping addiction as an adult. .

My mother’s focus was not just on my appearance, she was obsessed about her own appearance as well. I can recall many times she walked up the 2nd set of stairs into my bedroom, gave me a comment like, “it’s warm in here, you should open a window” and then proceeded to open one of the closets in my room which she took over as her own closet for her Kimberly® collection (after all I didn’t need a closet for clothes, since I had so few of them) and sort through her wardrobe for hours. That’s right, she wasn’t coming upstairs to see me, she was coming upstairs to look at her Kimberlys®, put away her dry-cleaned ones, check that the moth balls were working and none of them (they were all made of wool) were getting moth eaten (god help our family if that ever happened, she would moan unhappily for an eternity). My mother spent more time bonding with the Kimberlys® in her closet over the years then she spent talking and bonding with me.

But the rest of the world was another story. My mother talked about how beautiful other women looked on TV and in magazines with admiration. To her, beauty was what gave someone my mother’s approval. And these models and actresses often got her approval. I longed for that kind of approval from her, but I never got it growing up. Perhaps that’s why I drew countless drawings of women wearing clothes that looked like my mother, just to get her approval, even if it was just about a drawing I did. As a blossoming teenager, when the rest of the world started noticing me again and I was able to buy my own clothes, I realized that getting compliments on my appearance felt intoxicatingly good. I was finally getting the approval my mother could never give me. I grew up needing to hear how I looked, needing attention from guys just to feel okay with being alive. I needed to hear comments about my appearance every day just to feel I was normal. I knew nothing better.

As a teenager, my mother fixated more and more on my appearance, telling me how to wear my hair, make up and what to wear. If I didn’t follow her directives, and defended myself angrily by insisting she stop criticizing me, she would get angry at me to the point of behaving like a child who was throwing a temper tantrum. I had no right to feel good about myself and no right to defend myself against her critical attacks Unlike my mother, my father related to me about my appearance by hugging me, taking pictures and making me feel cute, pretty, and attractive(which only added to my mother’s envy of me). He gave me much attention when I blossomed into a teenager; as fathers often do with their daughters. But he worked all the time and found it easier to never be around the home. This way he didn’t have to witness how my mother was raising me and hear her critical comments towards me. He just didn’t have the emotional capacity to battle with his wife about the way she spoke to me. He accepted her behavior and chose not to deal with it but staying at work and golfing most of his life.

So this was my childhood. It is not unique. Many young girls are only given “conditional acceptance” by their mother based on their behavior and appearance. This lack of unconditional love has its price. It sets you up as a female adult to be completely dependent on others for attention and criticism in your life and to easily fall prey to addictions like clothes shopping and an addictive need for attention. The life you had with your mother and the value she put on your appearance will set you up to value yourself only when others give you approval about your appearance as well. You will crave the need to be around clothes because it is a comforting childhood experience. You will crave fantasizing about getting a female appraiser’s approval and envy on how you look in clothes, because it will bring back the relationship dynamic you had with your mother. Your appearance will define your feeling of self worth and how good you look in clothes will be what you value as the ultimate definition of being worthwhile as a person. This is what your mother taught you and this is the mindset of the clothing shopaholic. The dynamic of your relationship with your mother never leaves you, it transfers over onto other women who have the same need. It also sets you up to be very dependent on men who only value you physically and sexually. It’s so important for women to understand this addiction and how it impacts every aspect of their adult life. It’s important to see the obsessive world of clothes shopping in its naked true reality. Only then can you start to live your life with more appreciation of the things that really matter, like unconditional love, and have gratitude for those things in life that mean so much more than any new piece of clothing.

Learn more about this addiction www.isthistruelove.com [http://www.isthistruelove.com]

Beth Cofone

For most people, augmenting their compilation of recipes through the inclusion of gourmet culinary recipes for applying them at home is easier said than done. However, things have changed and this no longer holds good.

Today, you can collect every one of the recipes you require and apply them just the way you want since, in the present times, both the recipes as well as the ingredients can be easily found. These days a lot of chefs are creating wonderful dishes for their family with the help of the terrific gourmet culinary recipes that are easily obtainable. You too can attempt something similar.

Handy Hints for Excellent Gourmet Cuisine

Gourmet culinary recipes can be discovered on the internet. However, is it possible to use them? The following are some handy hints that you should bear in mind.

1. Carefully regulate the preparation temperature and time in accordance with the appliances you have at your residence. As these recipes are supplied by certified specialists, they are usually created for use in commercial kitchens, and this may indicate cooking at high temperatures in a particular set up to achieve speedy results.

But these days this not usually the case in many kitchens. The silver lining is that when using these measurements, it is possible for you to modify them in order to match the appliance that you have at home. To achieve this, you can make use of diagrams and tables that you can look for on the internet.

2. Always, go in for good quality ingredients as per the recipe’s instructions. If you wish to achieve perfect results then you need to invest time in searching for and buying the ingredients mentioned and of high quality. Do not be rushed but take your time choosing the proper kind, quality, and size of vegetable, spices and meats that you require. Such a course of action will ensure you prepare ideal gourmet culinary dishes.

3. Familiarize yourself with various styles of cooking food. By attending cooking schools, workshops, reading periodicals and viewing television shows, you can acquaint yourself with various cooking styles used for different recipes. You need to be aware of the proper application of gourmet cooking utensils and appliances to enable you to cook gourmet cuisine with finesse and flair.

For people planning to prepare gourmet cuisine it makes no difference in applying the available recipes. What does count when cooking gourmet food is some sensible advice and plenty of detailed planning. Give utmost attention to the nitty-gritty’s and you can rest assured that you dishes turn out just right.

Abhishek is a cooking enthusiast! Visit his website http://www.Cooking-Guru.com and download his FREE Cooking Report “Master Chef Secrets” and learn some amazing Cooking tips and tricks for FREE! Learn how to create the perfect meal on a shoe-string budget. And yes, you get to keep all the accolades! But hurry, only limited Free copies available! http://www.Cooking-Guru.com

The irrational but basic appeal of the sports car.has overwhelmed people’s reason ever since the first ones were introduced. In far-flung places round the world those with money soon indicated their love for these cars by buying one for their collection. Whatever the kind of celebrity – royalty, film-star or playboy – driving a fast car is a powerful way of showing your high status. Today the open top two-seater types may mean different things to different people. This article will provide examples of this.

It’s likely that the Mazda MX5 is more attractive to women than to men. The engines of the Honda CRX and the S2000 are impressively powerful and reliable. Both men and women are drawn to the sleek Honda S2000, a car that more than once has won engine of the year in its category. They are performance cars that give a person a certain satisfaction and pleasure when flying down the motorway. The dashing sporty appearance of these vehicles makes them readily distinguishable from the dull family cars that infest our roads.

Nearly all of the vehicles currently on the road have been designed to meet two criteria: usefulness and cheapness.. It is the experience of driving a fast car, though, that sports cars are designed for. Powerful acceleration, superb road-holding, and the feeling that you own the road are the objectives of those who design them.

The appearance of a car is the first thing that people are drawn to. Designs are built around aerodynamic efficiencies and curb appeal; they are always pleasing to the eye. The design is intended to encourage would-be drivers to buy so that they can abandon convention and be free. The beautiful sweeping lines are all designed to break even the most stubborn of wills… succumbing to a beautifully designed car is simply something many of us dream of doing.

Feelings of fun and excitement are aroused by driving a fast and sporty car. To drive this kind of car can be to enter a world of amazing experiences. Because these cars are designed to be driven they are engineered to very exacting standards. Once a car has left the dealer’s premises it will have lost much of its value. You can buy gap insurance to protect you against this loss of value. A sports car, though, will often appreciate in value as it gets older. Most sports cars are built to last and withstand being driven fast and hard. When a sports car becomes a classic -as is usual – it can still sell for a high price.

Desirability, speed, and high cost are the first thoughts that spring to mind when thinking about a sports car. There are few items made today that have such an emotional attraction. There are many clubs created by enthusiasts and they provide opportunities for owners to display their cherished cars. Club members may often receive pre-arranged discounts on insurance and car warranty products.

There is no one thing that can pinpoint exactly why we have an attraction to fast, sleek sports cars. The freedom of the open road is best experienced at the wheel of a fast car. The allure of a sports car is greatly increased when it is a convertible. The thought of flying down the roadway with the wind blowing through your hair has a certain appeal to some. The innovative technology is another reason why we seem to be drawn to these types of cars. Sleek styling coupled with a powerful yet compact engine is the norm. Performance and innovative technology give the sports car an iconic appeal.

A sports car is built to be driven and to respond to the driver. Making the driver feel in total control is why they have such a powerful fascination. We need to feel that the exercise and control of power enables us to reach and even exceed our limits. The one beautiful package expresses both power and strength.

Driving a sports car can give you a real feeling of freedom. Every generation of make and model performs better than previous ones as a result of advances in technology. If you wish to feel potent and to show your wild side, driving a sports car is the answer. Feelings of nostalgia can often be the cause of such emotions. The happy distant days of our youth are easily brought back by a classic sports car. They can be cherished symbols of past times. As a classic sports car gets older so it should get better as well as more valuable.

It doesn’t matter whether you have a classic muscle car or brand new example – they are both definitely attention grabbers. You will be noticed in your flashy vehicle because such cars exude power and masculinity. A sports car is something of a status symbol that allows you to be seen and admired for having a fine looking powerful performance car. If you are thinking of buying an new car, you should seriously think about purchasing a product called finance shortfall gap insurance to protect you in the event of an insurance write-off.

Everyone associates sports cars with speed and performance. Cars such as the Toyota MR2 are made particularly small and compact; add to this a powerful sedan engine and the power to weight ratio is excellent. Lady drivers especially like this car – as they do the Mazda MX5 – because of its compact design.

Supercars is the only fit description for the bigger sports cars such as the Ferrari Enzo, the Lamborghini Reventon Roadster and the Audi R8. There are several interesting ways in which those who build the bigger sports cars manage to reduce their weight. The weight of high performance production sports cars is usually kept down by using light materials for construction. Glass fibre or carbon fibre is used for the construction of the body panels of such cars. By dispensing with ‘luxury’ extras like air conditioning, electric windows, and thick pile carpets, a car’s weight can be significantly reduced. The most significant factor in reducing a car’s weight is the use of cutting edge materials in the manufacture of the wheels.

The reduction of body weight, powerful supercharged engines and state of the art technological advances make for blisteringly quick super cars like the Ferrari 40 and Lamborghini Gallardo. The engine does not have to work so hard to propel a lighter car. This enhances performance and makes the car easier to control.

A sports car is something that seems to appeal to almost everyone. Not many people will ignore a powerful and flashy sports car that’s parked in the street. They attract people and provide immense pleasure. Many people would love to own a sports car and why shouldn’t they do so if they have the money?

When buying a new car it’s wise to buy gap insurance to protect against the effect of new car depreciation. Future 45 Ltd. offer additional insurance products available for discerning UK motorists which can be bought online or by phone on 0844 357 8300

Stephanie Andrew writes and publishes articles for SEO consultants ePage Solutions whose clients include Future 45 Ltd. – helping UK motorists save money on their gap insurance by buying direct from the insurer.

If you’re contemplating the purchase of health insurance then there’s a good possibility that a health insurance broker might be able to help you. A health insurance broker is a professional individual whose job is to provide health insurance companies or providers with prospective consumers that are seeking to obtain health insurance for themselves or their family. Normally, a health insurance broker is eagerly sought after by an individual or individuals that are not covered by any type of group health insurance plan. Typically this includes folks that have some sort of medical condition prior to obtaining health insurance but it can also include self-employed individuals that aren’t covered by an employee health care plan.

In some ways a health insurance broker is almost like a real estate agent. The health insurance broker tries to find the best deal for the individual seeking health insurance based off a list of requested benefits provided to the health insurance broker by the consumer seeking to become insured. After finding a plan that is suitable for the consumer the health insurance broker then works towards a signing of a mutual health insurance contract by both parties involved, the insurance provider and the individual seeking insurance.

Although it may sound like the health insurance broker works for the insurance company it’s actually quite the opposite because in a way the health insurance broker works for the consumer. The insurance broker is responsible to know about the many different health insurance providers or companies that may or may not be suitable for his clients. Additionally, they can provide information regarding claims, processing times, customer service and of course health insurance rates or premiums. In some cases the health insurance broker may be paid a referral fee for putting a health insurance company in contact with a consumer seeking health coverage, provided the consumer does actually sign up for health insurance through the recommended company.

Typically, a health insurance broker receives their compensation in the form of a commission. The payment for this commission can come from the consumer, the insurance company or a combination of the both, each paying their respective portion of the broker fee. Still, if a health insurance broker does a good job and actually finds you a health insurance company that offers excellent health coverage with reasonable rates then it may be money well spent in the long run. Also, because the health insurance broker is normally governed or regulated by state licensing requirements you can rest assured that they are trustworthy and will do the right thing ethically speaking in order to find the very best health insurance coverage that you can afford.

Quickly find more money saving health insurance tips and information on how a health insurance broker can save you money on your health insurance by visiting GoodHealthCoverage.com a website created by Sharlene Raven, a respected webmaster whose site specalizes in providing health insurance information you can trust.

From lowering your premiums to adding a teen driver to your policy, buying car insurance can be a confusing, overwhelming, and expensive process. However, it is a necessary part of life, and can save you a lot of stress and money in the future. It may seem like a daunting task, but there is an easier way to shop for car insurance quotes and rates. Before shopping for car insurance, read these frequently asked questions to ensure you get the best possible car insurance rate.

Q: Am I required to have car insurance?

A: Almost every state requires that you carry liability car insurance, which pays when you do damage to others. States that require liability car insurance each set minimum limits that you must have; even in states that don’t require car insurance, you must show proof of financial responsibility, meaning evidence that you can pay for any damage you cause.

Buying collision and comprehensive car insurance, and other optional coverage to protect yourself financially, is your own choice.

Q: Do I need to buy car insurance before I buy a new car?

A: If this is your first car and you don’t already have car insurance, you’ll need it before you drive the car off the lot. In addition, if you’re financing the vehicle, your lender will likely require you to have insurance at the time of the purchase.

If you have car insurance and you’re replacing your car, you generally have 14 to 30 days to notify your car insurance company of the purchase. Your car insurance rate will then be adjusted based on the new vehicle model. Make sure you inform your car insurance company about the new car within the appropriate window, or you could be driving without coverage.

If you’re adding a new car, rules vary by car insurance company. For example, some car insurers provide automatic coverage for the additional car, but you must still notify them within 30 days, while other car insurers provide no automatic coverage for additional cars.

Q: How can I lower my car insurance rates

A: First, comparison shop for car insurance quotes to make sure you’re not overpaying. Then, always make sure you are getting all the discounts to which you’re entitled.

When you’re shopping for a new car, you can ask your insurer how much your car insurance rates will go up or down based on the vehicles you’re considering. For example, vehicles with high theft rates will cost more to insure.

There are other ways to reduce car insurance rates, although you’ll increase your potential financial risk. For example, you can increase your deductibles if you can pay more out-of-pocket in the event of an accident. And on older cars you might consider dropping collision or comprehensive coverage if repair costs will likely exceed the value of the car.

It’s generally not a good idea to save money by reducing your liability limits to your state minimums – that opens you up to substantial financial risk.

Q: How can I lower my car insurance rates for my teen driver?

A: First, don’t rush out to add your child to your policy when he/she is just starting to learn; you may be able to wait until he has his permanent license, which buys you some time before you start paying car insurance premiums on your teenager.

Second, find out if there are discounts your teen may be able to get, such as a “good grades” discount.

Third, consider buying an older, low-profile car for your teen to drive that will be less expensive to insure.

Most importantly, your teen driver needs to keep a clean record and follow any “graduated licensing” laws in your state; a teen with an accident record is an expensive proposition, no matter how much you comparison shop for a car insurance quote.

Shopping for car insurance can be much easier for you with the advice and tips above. Car insurance companies provide you with a very valuable service, but that doesn’t mean you should have to pay top dollar. Comparing car insurance rates can be time-consuming, but it will save you a lot of money in the future.

Amy Danise is an editor for insure.com. Visit http://www.insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.

Please let me tell you about the Internet marketing

systems I use and find helpful. This information may be

of some benefit to you, especially if your goal is to

monetize your site or earn an income from your online

marketing.

My name is Titus Hoskins and I own and operate a very

modest marketing website called http://www.bizwaremagic.com

I have been designing web pages and sites since 1998.

I have an Art/Education background but in the last

couple of years I have been studying online marketing

systems and using them.

Yes, studying them, since I have an art background I like

to examine beneath the surface of things or structures in

order to get a clearer picture. I like to see the whole

picture. The big picture. But the underlying elements behind

these complex systems interests me the most. What’s beneath

the surface excites me, the structure holding everything

in place. How they are designed, the methods and tools

used to make these marketing systems work.

Keep in mind, I still feel a bit funny calling myself an

Internet marketer. Last week my marketing efforts make me

around a thousand dollars; don’t know if that qualifies me

as an Internet marketer or not. Probably not. Most of the

people I associate and have contact with, usually make that

in a day — the real smart ones make that in an hour.

A thousand dollars in one hour?

How is that possible? Well, the marketing experts who

earn the big d’s — usually have complex automated marketing

systems set up and operating on the Internet. These systems

start with their own products but quickly expands and builds

with large opt-in lists or ezines, 1000′s of affiliates,

large JV networks, multi-sites, viral marketing, membership

forums, brandable ebooks, online marketing tools/resources

and the list goes on…

No doubt you may have stumbled across some of these

marketing systems on the Internet… one of the first

I really encountered was Internet Marketing Center run by

the late Corey Rudl who died tragically in a car crash at

the young age of 34. I made my first affiliate check

through Corey’s system and it changed the way I looked

at the Internet forever. And the check was only $5!

What made me earn that $5 was not only my own efforts but

more importantly the whole marketing system behind IMC.

It took an ordinary webmaster and showed him how to market

on the web. It showed me the way. More importantly, it

also taught me Internet marketing is a skill anyone

can learn.

These marketing systems can be good places for the

beginning marketer to learn those skills. There are many

marketing systems quietly working the Internet. Some of

best (in my opinion) are Ken Evoy’s whole Site Sell system,

Marlon Sanders Higher Response Marketing, John Reese’s

Traffic Secrets, Bryan Winter’s PushButton Publishing, Jeff

Mulligan’s CBmalls, Nitro Marketing…

These Internet marketing systems are all different, yet

they all have common elements or features that make them

very effective and very powerful marketing systems. A close

examination of the different components or parts might

give you a better understanding of what makes these

Internet marketing systems work.

Here’s a list of different parts of an effective Internet

Marketing system:

* Founder or Helm: All these marketing systems have a strong

leader or founder at the helm. A very vocal and forceful

communicator or spokesperson is needed as a focal point.

And like any company, its only as good as the person leading

it. Because the Internet is still a very ‘scary’ place for

the average user; a friendly outgoing spokesperson is

needed to break those barriers (real or imaginary) down.

* Unique Product or Products: Most of the effective

marketing systems have their own products to market.

These can be digital info products, web building/hosting

packages, or even self-contained marketing systems. Or all

of the above. Some popular products that come to mind would

include Ken Evoy’s whole Site Sell and SiteBuildIt line,

or Jeff Mulligan’s CBmalls promoting the well known digital

download affiliate site ClickBank.

* Databases or Lists: All these systems collect and keep

large databases or opt-in permission contact lists of

customers and potential customers. The real net value of

any marketing system is in the quantity and more importantly

the quality of its lists. All deliver a weekly or daily ezine

or ezines to these lists. Consider these Databases as the

engines that empowers any Internet marketing system.

* JV Networks: Most have large Joint Venture Networks or

contacts that will kick-start any new product. Momentum and

sales are created with these JV partners. An ideal JV partner

is a well respected online marketer with very responsive and

very large opt-in lists. If Databases are like engines, JV

networks will fill those engines with the fuel they need.

* Affiliates: The best marketing systems use 1000′s of

affiliates to promote and market their products. This is

usually done in-house with their own affiliate program or

onsite software set up. Some use third party affiliate

programs like ClickBank, 1ShoppingCart, Commission Junction,

LinkShare, or Shareasale. Your ignition.

* AutoResponders: One of the most effective marketing tool

these systems use, autoresponders are essential for delivering

the sales. A series of follow-up e-mails will increase those

sales dramatically, studies have shown that it takes 6 or

7 follow-ups before someone purchases your product. Consider

the autoresponder like a fuel injection system.

* Tracking and Marketing Resources: All have extensive

tracking and marketing resources, usually located online

within a membership site. An easy to use and accessible

tracking system for affiliates is needed. So too are

marketing resources such as banners, links, coupons,

graphics, seo tactics, landing pages, lead capture pages,

brandable reports, articles and ebooks. Obviously, your toolkit.

* Viral Marketing: All great Internet marketing systems

use viral marketing techniques. This can be as simple a

brandable reports, articles, software or eBooks. Affiliates

can embed their own IDs and pass these viral products along

to their friends and visitors, these useful viral products

then get passed around all over the web. Creating links,

contacts, buzz and funneling prospects back to your

marketing system. Consider it your Turbo Charger.

* Online Forums: Many of the better Internet Marketing

systems will have an online forum where members can network

and interact. Offering workshops and tutorials. This is a

vital community building tool that must not be overlooked

or underestimated. It will greatly enhance the effectiveness

of any marketing system, building a foundation and launch pad

for any new products. Your gas station.

* Cross Promotion: These marketing systems can become very

complex: promoting programs within programs, cross networking

whole systems within systems, joint ventures within joint

ventures… Marketing seminars, conventions and workshops

are other lucrative features these systems use to market

their products and to network with other marketers. Hybrid fuel.

* Corporate Blogs: Most have company blogs or a network of

members’ blogs. Realizing the importance of these relatively

new mediums for getting the word out. RSS feeds are also used

to syndicate your sales message and content. That would be

your satellite radio.

* Affiliate Incentives: The better marketing systems have

affiliate incentives and contests to motivate the sales force.

From cruises to Ferraries…

* They Pay Their Affiliates On Time: Might seem trivial, except

for the affiliate. The best Internet marketing systems pay

their affiliate regularly and on time. They are trusted and

respected by affiliates and online marketers. This trust have

been built up over many years of good solid business

relationships. The best marketing systems are the ones that

can harvest and develop those relationships with thousands

or even millions of affiliates. Your accelerator.

* Automation: The one key element that makes all of the above

possible. These Internet marketing systems are automated to

the highest degree possible. Without automation these large

marketing networks could not function. Therefore, almost all

the day to day running of a marketing system is automated and

can run smoothly without much work or maintenance. The grease

that makes everything run.

* Internet: These marketing systems have taken full advantage

of the world wide web and used it to their benefit. It permits

global marketing with affiliates in every country around the

world. A large multinational marketing force that is made

possible only with the creation of the Internet. Consider it

the clue that connects the whole system.

The computer and the Internet make these whole automated

marketing systems possible. Closely studied and dissected,

these systems are complex, intricate creatures solidly

embedded into the Internet and the lives of millions around

the globe. Enabling lifestyles that offer mobility, freedom

and enrichment never before seen this side of a PowerBall

win!

When you picture these complex marketing systems, don’t think

of computers, databases, autoresponders, wires…

Rather, picture a sun drenched tropical beach with a light

breeze and a clear blue sky. Picture a person sitting to one

side, checking daily sales stats on a cool sleek shinny laptop…

don’t forget to zoom in real close and you will notice a slight

smug smile. But don’t stop there, if you stare really hard and

think about what you have just read, you will have a clear view

of an Internet marketing system.

…..
The author runs a modest Internet Marketing web site where you will find helpful online guides on RSS/Blogging, SEO, Affiliate Programs, List Building, Laptops, Internet Fax and quite a few Internet Marketing Tools. Including the very popular Free Desktop Calendar & Planner Copyright © 2006 Titus Hoskins. This article may be freely distributed if this resource box stays attached.

Good question, considering that nowadays you can find many

useful resources to help you write your own resume

(including many located at http://www.impressive-resumes.com).

A professionally written resume might be just what you need.

On the other hand, perhaps you can easily write your own

resume using a resume template or commercially available

resume writing software. How do you decide which is right

for you?

Here are a few questions you can ask yourself to help you

decide.

* “Do I have the time to do the job right?”

If you want to create a resume that works, i.e. one that

captures the attention of a hiring manager during a 10

second initial “toss or keep” scan, you need to be willing

to invest some time. Depending on your comfort level, your

familiarity with resume design factors and how well you’re

organized, this can take anywhere from a couple of hours to

several days or more.

If you have the time, energy, focus and desire to learn how

to write an effective resume, you’re probably a good

candidate to do it yourself. If you’re really not ready to

devote the time and effort, you’d be better served by

allowing a professional resume writer to write it for you.

* “Can I afford the services of a professional resume writer?”

If you’re on a no kidding shoestring budget, writing your

own resume is probably the way to go. But most people are

surprised at how inexpensive and easy it is to hire a

professional resume writer who can write a truly effective

resume. Chances are good that there’s room in your budget

for a professionally written resume, especially considering

that the right career step could pay back your investment a

thousand times over (or more).

You’ve probably already spent tens of thousands of dollars

on your education, (not to mention incredible amounts of

sweat equity) to get where you are today. The small amount

of additional money you spend on a professionally written

resume may just be the best career advancement investment

you’ll ever make.

* “What makes a resume writer a “professional” writer?

There are several well known professional resume writing

organizations through which individuals can attain

professional resume writing credentials. These include the

National Resume Writers’ Association (NRWA) and the

Professional Association of Resume Writers and Career

Coaches (PARW/CC). Individuals who attain accreditation from

these organizations have demonstrated an in depth knowledge

of the resume writing process. The writers at

http://www.impressive-resumes.com are certified by one or more

such organizations.

* “What are some of the benefits of hiring a professional

resume writer to write my resume for me?”

There are many. You’ll likely save time and almost certainly

money in the long run. You’ll avoid making one or more of

the common resume writing mistakes that so many people make

when writing their own resumes. You’ll enjoy the peace of

mind that comes with knowing your resume was “done right”

from the beginning. You’ll be able to devote more time to

doing all the other things required of you when looking for

a new job. And you’ll have someone in your court who has

your best career interests at heart.

* “How do I work with a professional resume writer?”

Nowadays you no longer need to meet with a resume writer in

person or by telephone to conduct an interview. You can

order an online resume and complete your interview

conveniently on your own schedule. In fact, purchasing an

online resume that is written by a professional resume

writer is one of the nice things about the online world. The

whole process is built around YOU. You and the professional

resume writer working with you always have the option to

communicate by telephone or email if additional information

is required.

Copyright 2005 by Vincent Czaplyski, all rights reserved.

You may republish this article in its entirety, as long as

you include the complete signature file above without

modification.

Copywriter and consultant Vincent Czaplyski is founder of http://www.impressive-resumes.com, your online source for professionally written “industrial strength” resumes and cover letters guaranteed to land you an interview.

Many products are highly competitive and will have many stores and internet sites that will try to give you the best quality at the lowest prices. In the furniture world, you can sometimes find that all the furniture stores are right next to each other or down the street. Often you will find furniture stores right outside the city limits so they can save some money on their real estate costs. These furniture locations want to be able to provide you with the best options when it comes to furniture. Most of the furniture places you will come across have sales people who are commissioned based. So they do not get paid unless they sell you furniture. For every customer that comes in looking for furniture that could be also used as storage, they will do their best to serve them.

What many people are attempting to do is to find a way to save as much space in their rooms so they will find bedroom storage furniture that they can store some things into. You will see that the furniture storage bed seems to be the piece of choice for the room of your child because there are drawers built into the bed. Children have so many toys and other things to keep them busy so they sometimes do not know where to store all of it. Some people invest in children’s storage furniture to keep the room de cluttered. You can find children’s furniture storage at most of your furniture locations or even your supermarkets. Sometimes you might be surprised at who is selling childrens furniture storage because it seems to be a hot commodity. For some families it is not just the room of their children that is in need of some furniture storage, parents will look for playroom storage furniture so they can easily put things away after everyone is done playing.

There is more of a need for built in storage all over the house. You can find bath storage furniture to hold all of your toiletries and such. Sometimes the bathrooms are not big enough to get a big cabinet in there so people will have to get creative. They will also use basket storage furniture to use in conjunction with other furniture storage. Other needs could be for the home theater room and the person will need DVD and VHS storage furniture to keep things organized. When they need a movie, they know where to find it. When venturing into the garage, you can see some pretty elaborate garage storage furniture in there because if the home owner does not keep it organized, the garage can turn into a place to throw what you do not need.

For those people who have a need for office furniture storage at their homes or in their offices located off site, no one wants to have a cluttered office space. Sitting in a cluttered office will sometimes distract you from you goals. On the other hand some people appreciate the organized chaos. Many offices space is clean and well kept without so much as a speck of dust on the desktops while other offices, have paperwork stacked to the ceiling. Filing cabinets or desks with drawers can come in handy for these types of office spaces that could use the assistance to clean up and organize their areas.

To learn more about bedroom storage furniture visit us at: http://www.royaltyuniverse.com/