The law in most states require car insurance. Yes, right we all know that. So what do we do… we get the car insurance, of course so we can drive around and have some fun, etc. However, some of us are better at getting that great rate with an excellent car insurance company that others. What’s that you say? How so?

It’s not exactly fun for most of us, but getting the best rates with an excellent car insurance company that can and will perform for us is a bit of a chore. It takes a bit of time and effort. Some people will do exactly that while others can’t be bothered. That’s a mistake and it can cost you thousands of dollars year after year. Getting it right has it’s price!

We do have a choice of who we use for our car insurance, so lets not be sloppy or lazy about our choices. We all know it’s expensive to have car insurance, so why not get it right? If we shop around we can find the best car insurance company with the best rates to fit our needs.

Online has made this “job” of shopping around a ton easier than it is to pick up the phone and calling the top ten auto insurance providers and chatting with each one. Oh yeah, the internet is a hugh help when it comes to shopping around. You can get a free automobile insurance quote that offers comparison rates with other competitive companies. At times up to three or more comparison rates with one free online car insurance quote. This helps tremendously when it comes to saving time and helps in making some of these cost effective decisions easier.

Do not simply go with the lowest rate until you have investigated the car insurance company. You need to know they have a good track record with their policy holders. They should be willing to tell you about how long their company has been around, how many policy holders they have and how deep are their pockets financially speaking to be in a position to pay you on any claim you submit to them.

Keep in mind the car insurance companies are looking at YOU and “your driving record” when they offer those rates. Never forget the car insurance companies are studying statistics constantly in order to provide you with competitive rates AND keep their risks to a minimum.

Here are a few tips that you should be familiar with when shopping around for your best car insurance rates:

1. If your married you will always get the lower rates, especially if you are a male and young, if your driving records are good and there are not unusual circumstances involving your on road performance.

2. If your under 25 years of age you will pay more. Statistics have shown that young drivers do not perform as well on the road as persons over the age of 25. Young males again are a target for “high risk” performance.

3. Taking a driver’s safety course always provides a discount under normal circumstances with you driving record.

4. Keep your points down on your driving record. Speeding and other on-road hazards can lead to tickets and points on your driving record. When this happens your rates go up! This is a major factor in high rates quoted by the car insurance companies.

Note: If your parents have a nice plan, you may want to “seek cover” by joining them on their policy. Sometimes, it may even be necessary to have your vehicle in their name and then they can add you on their policy as one of the drivers of the family vehicles. This is all perfectly legal and may save you a small fortune if you’ve had some trouble with points, etc.

5. If you have a long commute or drive a ton, your rates will reflect that, since there is amply time for accidents to occur while your on the road. Can you reduce those miles by carpooling or ride-sharing? If so, you can reduce your rates. Let miles on the road equals lower rates.

6. Is your vehicle one that is so popular that it gets stolen or car-jacked more often than other makes and brands? This will always drive your automobile insurance rates up. Maybe it’s time to pick a “safer” auto.

7. Are you planning to buy a new car? Check out the cars that are considered “safe” and you can save if you can live with that list and buy one of those auto’s. The auto insurance companies spend a good deal of time looking into which cars are getting into trouble vs auto’s that aren’t. It’s a big factor with the car insurance companies and they do not like to take on that risk factor with sports and other “dangerous” cars.

8. Can you live with the idea of purchasing a nice “safe” used car? You will pay much less with a vehicle such as that… older. There are some wonderful deals and fabulously loaded with leather, premium sound systems ,etc. that are beautiful “used cars”. It can save you a ton just by owning the “older” “Mercedes Benz” type of car.

9. Consider carrying a high deductible. You will save a great deal on your insurance premiums with a high deductible on your car. Remember, you pay the premiums EVERY month, quarter or year. You may NEVER or rarely have an accident or theft of your auto. If you do not have a claim you will NEVER pay the deductible.

10. If you have more than one policy with your insurance company you will always get a discount. It’s this new and popular offer going on with all the insurance companies. They are looking for more business and if you are willing to give it to them, then bingo you will get discount. So, if you can manage to add your vehicle to your existing homeowners policy or vice versa, you can save.

Always read or have your agent explain to you the fine print and long laundry list of items in your policy to provide you with the coverage you truly need. Sometimes you may be doubling up on coverage you already have with another company, such as medical coverage and will not need to pay twice for the same protection. Know what you’ve just paid for and that you really need it.

It’s NICE to know we have done our “homework” and found “financial security” and “peace of mind” when we have laid our hard-earned money down for our car insurance AND have obtained the best rates with the full protection offered by an excellent car insurance company that will be there when we need them.

There are many more tips and advice on auto insurance companies to choose from and which have the ability to perform for you with great rates? Visit this popular website, Auto Insurance Companies Free Quote, http://www.auto-insurance-companies-free-quote.com

Get some fast facts on car insurance companies that can perform for you and offer excellent rates at this popular website Auto Insurance Companies Free Quote By Carley Swift.

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Are you planning to revamp your child’s room? Are you looking out for things which will make your child’s room bright and trendy? Have you ever given a thought for children’s furniture, kids’ toy boxes? Not much, right?

Furniture and toys will be the best option to start with the renovation of your kid’s bedroom. Always look out for things which are going to help your child to learn faster, bring those toys which will encourage them, which will fire their imagination and every creative aspect of their life. The first thing you can to do is to plan out the things and then start working on it. Make sure how you are going to do it, what things are you going to place in their rooms, which colors you are going to put on their walls, and the color of the children’s furniture. Have you ever thought from where you are going purchase all these things and what will be the expense?

Try to make your child’s room special by using decorative things like cartoon print bed sheet, colorful flowers, etc. Many parents want to give the best to their children no matter if it is little expensive. A variety of kids furniture are available in the market like tea party tables, rocking toys, wooden toys, educational toys, art activity desk, bookshelf, toy box etc. These things not only make their room attractive but also help them to learn lot of things for example; tea table will be helpful in learning table manner, bookshelf will help them to keep their books in an organized way, after playing children put their toys all over the room so don’t you think toy box will be helpful to them to keep their toys back after playing. Toys are the best thing which will help your child to learn lot of things in their day to day life.

Now this is not all about making your child’s room look special but it’s also about what quality kids furniture and kids toy boxes are you using. Parents look out for those kids furniture which are not harmful to their children. Lots of toys are made of plastic which contains toxins in it and those are harmful for the health of the children. These toys and kids furniture should be of better quality and try to use wooden furniture in their rooms which will last for long time and will not prove harmful to their health.

You can find this furniture in well known shops of wooden kids furniture where you will get lot of varieties. Try not to buy inferior quality things due to lesser cost. If not possible, use a few things in the room but of good quality. There are number of stores dealing with children’s furniture in the internet market so just enter your search and purchase appropriate furniture for your child’s bedroom.

Bart Albert is the author of this article on Childrens furniture [http://www.oldfashionedtoyshop.co.uk/component/virtuemart/?page=shop.browse&category_id=8].

Find more information about Childrens toy boxes [http://www.oldfashionedtoyshop.co.uk/component/virtuemart/?page=shop.browse&category_id=12] here.

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The people recognize themselves in their commodities; they find their soul in their automobile, hi-fi set, split-level home, kitchen equipment.

Herbert Marcuse

When Solomon said there was a time and a place for everything he had not encountered the problem of parking his automobile.

Bob Edwards

Not having to own a car has made me realize what a waste of time the automobile is.

Diane Johnson

Car designers are just going to have to come up with an automobile that outlasts the payments.

Erma Bombeck

The automobile gives rise to intense passions in both sexes. Just a few decades ago car dealerships were places where women dared not go leaving the complex negotiations for a new car to their husbands, brothers and uncles. “Upside down on my car” was a phrase entrenched in the American lexicon long before the current economic meltdown turned “upside down on my house” into the catch phrase for the decade. Automobiles are expensive, yet they are the biggest waste of money imaginable and owning a vehicle defies every law of basic financial common sense there is. There are 5 common money mistakes most people make when purchasing a car.

1) Putting money down on a new car

2) Leasing a car

3) Trading in a car

4) Buying a new car every 3-5 years

5) Rolling old car debt into a new car purchase

Putting Money Down on a New Car

The author of a well-read and well-circulated financial blog, the Simple Dollar, wrote that you should put money down on a car in order to avoid GAP insurance. What is GAP insurance? GAP insurance stands for Guaranteed Auto Protection and is a supplemental form of auto insurance that covers the GAP between the residual value on the car if it is totaled out and the loan amount on the car. GAP insurance is an additional expense especially if you purchase a car that does not hold its value over the long run (as most don’t) but is it worth giving up $3000-5000 cash to avoid the premium? Of course not. And here’s why. Cars are depreciating assets. As a rule of thumb they lose 10-25% of their value each year for the first 3 years.

Putting any money down on a car, therefore, is a lot like taking a roll of Benjamins into your bathroom, lifting the lid and flushing 30 to 50 of those bills down the toilet. Any money that a new car purchaser puts down will not translate into equity in that car, but will disappear into thin air the moment the new owner drives that car off the lot. GAP insurance on the other hand is a relatively small expense a consumer may or may not choose to assume. Should the consumer choose to get GAP insurance, it is based on the value of the new car and the expected depreciation. For the top-ranked cars in terms of the least depreciation, GAP insurance will cost the least. For the cars that depreciate the most, GAP insurance will cost the most.

Kelly Blue book posts an annual list of cars that depreciate the least. Doesn’t car insurance offer full coverage for a car? No it doesn’t. Insurance companies are smart, they won’t pay more than a vehicle is worth. Consumers do that. Car insurance will only cover the residual value of a car in the event of an accident, not the full loan amount owed on a car. Pay $20,000 for a new car and wreck it in the first year, your auto insurance will cover only the residual value of that car. If that residual value is $15,000 and you owe say $18,000 you are on the hook for the $3,000. Here are the basic things you can do to avoid this depreciation calamity and hang onto your money:

1) Only buy new cars that retain their value and negotiate the best deal you can

2) Only buy used cars (someone else has paid for the depreciation)

3) Save like a fiend so that you can “self insure”, ie., cover the GAP in the event of an accident

4) If you don’t do 1,2 or 3 buy GAP insurance because it is minuscule compared to the out of pocket costs of a down payment

5) Don’t let your kids drive your car

Leasing a Car

The reason a car lease’s monthly payment is so much less than the principal and interest payments on a car note is that the lessee is not amortizing the value of the car with the payment. The lessee is amortizing only the depreciation costs and paying interest to do so! As an example if the 3-year depreciation expense on a car $20,000 car is $10,000, the monthly payment on the lease is based on that 10K along with the interest rate. Sounds like a good deal, I suppose, until you figure in that the car dealer will get back a used car at the end of the lease that he intends to sell for the full value of its make and model. What this means is pristine physical condition and low mileage. If the car returns in anything other than perfect condition, the lessee will have to pay in the form of stiff mileage and wear and tear penalties. Lease a car back to back and you loose big time because you are always bearing the cost of someone else’s depreciation.

Trading a Car

Basically my philosophy is that you buy the most reliable and high value car that you can, negotiate the best price that you can, pay it off and drive that vehicle for at least 10 years. Even if your vehicle is in pristine condition at the end of 5 years and you just have to have a new one, the dealer will give you at best 50 to 75% of the residual value of your car. The car dealer will make money twice: once on the new car you just bought and again on your trade in when they re-sell it for maximum retail value. It is great to give money away, but give it away to a charity and take the tax deduction. Your car dealer does not need your charity. Here are basic things you can do when you have a car to trade in:

1) Sell the car on Craig’s list or advertise it in the newspaper getting the best deal you can for your car. Then you are free to use the money anyway you choose.

2) Sell the car back to a same brand dealer. I’ve done it. It works.

Buying a new car every 3-5 years

Buying a new car every 3-5 years means that you are always locked into a principal and interest payment on something that is always losing value. The only way to “win” with a car is during the years in which you are essentially driving that car for free. At the very least, you can spend your time paying yourself the principal and interest payments, it is a form of forced savings in which you can set yourself up to pay cash for your next car, or use the money to take that vacation you have always wanted to.

Rolling Old Car Debt into a New Car Purchase

I know people who are so far upside down on a car that they have to look up to see down. It is sad, really. A car dealer will give you the rope to hang yourself. I have only met one salesman who was willing to talk me out of rolling one car into another. I was so desperate to get rid of the car I had at the time. It was an SUV that had the nasty habit of stalling in the cold at altitude. If I had been driving it in Phoenix I would never have had a problem, but I insisted on driving it to the Ski areas in Colorado. Silly me. But I was desperate enough to roll the 22K owed on that vehicle into another car loan on a new vehicle. The truth of the matter is that most cars on the market will never out last that kind of debt, and rolling old car debt into a new car purchase will result in a cycle of indebtedness to a car that can be virtually impossible to break

I hope by now I have shattered any illusions that a car is an asset. The traditional rules of money down and extended payments that apply to acquiring genuine assets, such as investment property and businesses simply don’t apply to a car. View a car for what it is, an essential transportation expense that will get you safely from point A to point B. As the quotes that head this article illustrate, cars incite passions that warp reality and good judgment understanding the 6 common money mistakes people make with cars will save you headache, heartache and money.

Ouida Vincent is a physician, active real estate investor and entrepreneur who has made more than her fair share of mistakes on the road to wealth. Ouida has made many of the mistakes she writes about and has come out on the other side. To find more interesting articles, business tips and key success philosophies go to http://www.ouidavincentsblog.blogspot.com

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Commercial Auto Repair

Jan 25, 2012

When a car breaks down or does not perform up to par, if it makes strange sounds while running or comes away from the scene of an accident with dents and scratches, a responsible owner will perform a thorough check of its parts and systems. If the vehicle is beyond the simplest troubleshooting techniques, it is best that you seek advice from the experts. Visit an auto shop that you trust so professionals can examine your car, identify the problem and fix it.

Commercial auto repairs can be defined as the kind of auto repair services that an auto shop offers. This kind of auto repair helps keep your vehicle in tiptop shape. Experts who provide auto repair services commercially have mastered the automotive sciences’ they know what is best for your car.

When you bring in your vehicle to the auto shop or when you use the services of a mechanic, the first thing that your car will receive is a look-over. Much like a consultation at the doctor’s, a look-over allows the mechanic to examine your vehicle extensively. A good mechanic will ask you some questions regarding your experiences with the car. He will most likely get your opinion on what you think is wrong with it. He will then conduct a series of tests to identify the damaged or malfunctioning parts. When he has completed his evaluation of your car, he will explain what exactly needs to be done. After he gets your approval, he will undertake the necessary repairs.

Of course, there is always a price to pay when you bring your vehicle in for commercial auto repairs. You have to pay a premium to get all the necessary work done, along with the additional charges for the auto parts or auto body parts that need to be replaced. For most owners, it can be well worth their money if their vehicles look and perform better in the end.

Auto Repair provides detailed information on Auto Repair, Auto Glass Repair, Online Auto Repair, Auto Body Repair and more. Auto Repair is affiliated with Discount Auto Parts.

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Have you been searching for the perfect home-based business? I have spent nearly twenty-five years searching for the holy-grail of home-based businesses. Now this article is not about a business, but rather a system that Fortune 500 companies always use but it’s rarely used by home-based businesses, affiliate or network marketing companies. And based on my experience, you should not even attempt a home-based affiliate or network marketing opportunity unless you use a system that almost guarantees you’ll be successful.

But before we get into the specifics of the secret business model, let’s first talk about what most people do wrong and why 95% of home-based business operators fail within the first few years in business.

Here’s a Few Reasons Why People Fail

* Lack of sufficient capital for promotions and marketing. It takes lots of money and time for your message to capture the attention of your prospective customers. It is a proven fact that most people must see or hear about your product or service at least five to seven times before they’ll inquire or purchase.

* Not enough time spent on their business. Most people start their home-based business in their spare time and hope it becomes successful so they can do it full-time. The problem with most home-based business operators is two-fold. They don’t give their business enough attention on a daily basis and lose potential customers or distributors because they are not responsive enough. And more importantly, they don’t give their opportunity enough time for success. It is sad when someone puts hundreds and/or thousands of dollars into a home-based business but they give up when the first their marketing campaign doesn’t produce results.

* Lack of sales and marketing expertise. Many people start a business from their desire to sell something the love to make. But this fact remains true for home-based business to Fortune 500 companies – You can’t sell anything unless you get your marketing message out to enough people. When you put your marketing message out in front of thousands of potential customers then you only need a small percentage to become your customers.

* And lastly, most people don’t realize the secrets to creating a successful business. It’s not how unique your product is or how low your price is compared to your competition. The real secret to making boatloads of money is having REPEAT customers. Unless you have a product or service that people will buy multiple times per year, you probably won’t have what it takes to build a successful small business.

So if ninety-five percent of home-based business fail, then why do people even start a business if the odds are stacked against them.

Well here’s why some people have decided to start a home-based business:

* To make money from their hobby.

* To earn extra money to pay for a vacation.

* To explore the option of working on their own.

* For the potential to go full-time and have more free time.

* Lastly, many want their business to help them become financially free.

Now as I mentioned above, you don’t have to have highly unique products or even low-priced products to capture your share of the market. What’s more important is how you market to generate sales of your products or services. And if you don’t have products that are consumable, then you should only treat your business as a hobby, because it most likely won’t create the income you need to be considered a success.

Here’s the Secret Business Model

So what is the model almost all Fortune 500 companies use to build their businesses. It’s MASS MEDIA MARKETING. This includes television and radio advertising combined with direct mail and follow-up telemarketing campaigns.

Now as simple as this may sound, most small businesses can’t afford to use a system that combines TV and radio commercials with direct mail and telemarketing. That’s why this secret business model is almost exclusively used by Fortune 500 companies.

But I am here to tell you that you too can be a savvy business entrepreneur and use mass marketing to your benefit. If you would like to grow your business using parts and pieces of the secret business model, then you could implement one or more of the following:

* Purchase leads for your product or service that are generated from radio or television ads. There are many companies that can supply you with potential customers generated from their radio and television ads.

* Contract with a telemarketing firm to handle all your incoming and follow-up calls. They have trained experts who can turn inquiries into sales.

* You can use a web-site to sell your products but use a direct mail campaign sent to thousands of prospects by directing them to your web site for more information and/or to make a purchase.

* Use a direct mail or telemarketing follow-up campaign to generate repeat orders and to sell other products to your buying customers.

Now it could cost a small business what seems like a fortune to implement all of the methods mentioned above. But if you really want your small business to become successful, then you can begin to use just some of the techniques that Fortune 500 companies are using. And later you can parlay some of your profits into using the more sophisticated items like follow-up telemarketing or hosting your own radio talk show.

So before you spend another dime on doing what everyone else is doing, then ask yourself what you could do differently to make your product stand out from your competitors. You will find that operating a home-based business can certainly be very profitable, but you must use the same business building principles used by Fortune 500 companies.

Mark Oestreich is a veteran business analyst. His web site [http://www.bizopwiz.com] provides more information to help you in your search for the perfect home-based business.

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Starting out in internet marketing is almost always overwhelming

to e-business newcomers, even if they are seasoned business

professionals or marketing experts. Internet marketing is truly

original and quite different from traditional marketing. The

complexity is compounded for those who do not have vast

experience operating or marketing a business. Whatever the

circumstances, many new internet entrepreneurs ponder the idea of

hiring an internet marketing expert to get their internet-based

business off the ground.

There are different types of internet marketing experts who

provide various levels of support and services. Hiring or

contracting to a full-service internet marketing expert can be

quite expensive, but using limited services of an internet

marketing expert can be both cost-effective and advantageous for

a new internet business. Another option to hiring an internet

marketing expert is to pursue training and educational

opportunities in internet marketing that will prepare you to

become an internet marketing expert yourself.

Some services offered internet marketing expert firms include:

1. Preparation of marketing plans

2. Internet marketing

consulting services

3. Management of specific internet marketing

campaigns

4. Full-service planning and management of the internet

marketing program

Having an internet marketing expert craft a marketing plan that

is specific to your business is a good way to gain an

introduction to internet marketing and to realize your internet

marketing potential. A marketing plan prepared by an internet

marketing expert should contain an analysis of your business and

your industry as well as identifying and evaluating your

competition and recommending a niche market for you to target.

The internet marketing expert should also outline internet

marketing strategies for you to use to reach your target market

and to drive targeted traffic to your website. Specifics of your

planned internet marketing campaign should be included in the

marketing plan along with milestones and an internet marketing

budget. Using an internet marketing expert in this capacity will

provide you with a clear internet marketing plan that will serve

as a guide for your internet marketing program.

Internet consulting services provided by an internet marketing

expert can be provided one-on-one, through classes or through

coaching. Generally, such consulting services accomplish the same

thing as a marketing plan prepared by an internet marketing

expert, but they are less formal and more intended to condition

you to prepare and administer your own marketing plan and

program. Working with an internet marketing expert on a

consulting basis is a great way to learn about internet marketing

and to prepare yourself to manage your own internet marketing

program.

Sometimes you may find it beneficial to hire or contract an

internet marketing expert to manage a specific area of your

internet marketing campaign that is time consuming. Search engine

optimization and pay-per-click management are examples of these

specific activities that may benefit from the use of an internet

marketing expert. Both require ongoing monitoring and adjustments

to be continually effective and cost-efficient. Linking campaigns

are also ongoing, time consuming tasks that you may want to

consider outsourcing to an internet marketing expert.

A full-service internet marketing expert generally provides a

wide-array of internet marketing services. Among them are the

marketing planning tasks of reviewing the industry, identifying

the competition, analyzing the market, pinpointing a target

market, developing a unique selling proposition, identifying

marketing methods, and planning the marketing budget. Once the

marketing plan is in place and approved by you, the full-service

internet marketing expert actually launches and manages your

internet marketing campaign.

Considering all of the levels of service that an internet

marketing expert can provide will help you to decide whether or

not to hire an internet marketing expert. The main advantages of

using the services of an internet marketing expert are access to

expertise and freeing up your time. The disadvantage, of course,

is the cost associated with the use of an internet marketing

expert. In making that crucial decision for your unique business,

a cost-benefit analysis can provide guidance to ensure that you

make the best decision for your business.

Copyright Christopher J. Enders. Are you at the end of your rope, fed up and confused by all the scrambled internet marketing advice you’re getting? Whether you are new to internet marketing, or a website owner who wants to make more money from your website, learn the proven strategies that will sky-rocket your internet business at http://BiznessTips.com

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A Step-By-Step Tutorial: How to buy a car with bad credit without it turning into a nightmare.

Are you tired of hearing the word ‘No’ when it comes to a car loan? I set up ‘How to buy a car with bad credit’ specifically so that you could hear the words ‘yes’. Who am I, you ask?

I spent 14 years in the automobile business as a Finance Manager so I believe it’s fair to say that I know a thing or two about getting a loan financed, irregardless of your past credit history.

Remember, regardless of your past credit history, you still need a car, want a car and most of all, you deserve a car. You should also be treated with respect and given choices. I’m going to teach you how to have a choice with auto bad credit financing loan.

First of all, all lenders now purchase deals based on what is called a beacon score, which is the same as your credit score. There are three credit bureaus that make up the package. Each lender will choose whichever credit bureau(s) they prefer when looking at your credit or a combination of bureaus.

I highly advise everyone to have all three credit bureaus pulled when checking your credit and to pay for the credit score. If you only look at one bureau, you’re only seeing part of the whole picture.

With the exception of a few minor things, beacon score will play a large part in your approval. Staying within your financial means is another, so be realistic. If you make $2500 per month and have $1200 going out, don’t walk in all high-and-mighty and tell the Finance Manager that you will only have an Expedition or nothing. You’ll end up with nothing.

In order to effectively use auto bad credit financing, you are going to have to know what your credit looks like and what your credit score actually is. Otherwise, you are working in the dark.

Pay for the credit score or it’s just almost useless. With the credit score, you will know whether or not you qualify for a lender such as Ford. Also, the higher the score, the lower the interest rate. Got it? With an auto bad credit loan, the higher the beacon score, the better.

Let me explain websites like cars.com and the such: They collect applications for car loans online. They then have a network of dealerships that PAY them for the leads. These are generally dealerships that have departments that specialize in getting you financed, regardless of your credit. These departments pay for these leads, so most take them very seriously, as they are their bread-and-butter, so to speak.

If you have a lower than usual credit score, a current repo or just plain, all-around bad credit, this might be the way to go. If your credit is really that bad, remember that you are going to need some cash or a paid-for trade in that’s actually worth something.

O.K., now for the step-by-step system that I promised. First, take control of your car deal! You need to be in the driver’s seat, if at all possible. Go online and run a copy of a tri-merge, which is all three credit bureaus, plus pay for your credit score. You can get a FREE copy of your credit report once per year HERE:

http://www.annualcreditreport.com

This is the new Federal law that actually entitles you to receive a FREE copy of your credit bureau once per year and with some other exceptions. This is not a credit monitoring site. You have to run each bureau separately; Experian, Equifax and TransUnion. Then, you have to pay for the credit score.

So as to hold down on confusion, here’s the scoop: Each credit score for each separate bureau will be different. That’s why a Tri-Merge is called what it is called. You can run a specific bureau called a Tri-Merge from one company (there are many-just do a Google search) and you actually get one bureau (it’s actually all three combined but the credit score is also one credit score). It’s more expensive and generally runs around $34.00 but it just depends on your preference.

Now, with your credit score in hand and a copy(s) of your credit bureau, look at your credit. Do you have anything strange on there that is not yours? If so, it’s time to fix it. You should review your credit bureau at least every 6 months to a year. Plus, if your identity has been stolen, you will know quickly. P.S. you can also have a liner placed on the bottom of your bureau that simply states “Do not extend any credit on my behalf without contacting me first. Work # (111)222-3333 Home#(222)333-4444 Cell# (333)444-5555.” Call or write the credit bureaus and request that this is done. You can now do this online for free. Again, do a Google search for all three bureaus listed above.

How do you fix your credit, you ask? I give away a totally FREE book that I wrote on the subject simply for the asking. Email me with Free Credit Repair Book in the headline and I’ll email it to you.

Next in line: Know what you want to buy BEFORE you even go out shopping! Let me make this very clear. Car dealer’s jobs are to sell you a car on your very first visit. A salesman/woman and their sales manager believe that if you walk into their dealership and do not leave with a car, you will never come back again. They are going to hammer on you until they either A) Make you mad and you get up and leave or B) Sell you a car. It’s the nature of the beast. Accept it ahead of time.

What do you want to buy? Where can you get unbiased information on the auto? Again, Google for Kelley Blue Book or NADA and you can get cost, warranty repairs, recalls, and information on problems and tons of info beforehand. Limit your shopping to three models. Keep it simple. Those will be the ones that you will shop for.

Can you afford the car? You may think you can afford the car, but the bank may think otherwise! I have seen this so many times in my career. Automobile economics 101: Take your gross income (what you make per year BEFORE Uncle Sam taxes you) and remember, this income needs to be provable-tax returns, check stubs with taxes taken out or a W-2. If you are self-employed, you will need two years of tax returns with Schedule C’s. This is the income that you actually paid taxes on. Being self-employed can be tough. You may need to combine a spouse’s income if you are self-employed.

Now with your gross income figured out, find out what all of your debts are that are going out each month. Include everything…it’s listed on your credit bureau’s. Example: Car note=$450.00 + House note= $560.00 + Credit card debt= $425.00

Boat note= $310.00 Charge-offs=$1200.00 (yes, charge-offs; these are bills that you never paid and they were written off). Add all of your debts up. With just your obvious debts (including the charge-offs), you have $1805.00 per month going out. I arrived at that figure by adding up all the monthly notes and taking 5% of the charge-offs. 5% of $1200.00 = $60.00. We’re not through, though. Now we have to figure in cost of living-utilities. Each lender has their own algorithm for utilities but a good range to estimate would be to add $300.00. Now we have a total outgo of $2105.00. This is what you have to have to pay your current bills before you take on any other debt.

Almost all lenders will not allow your new car note to exceed 20% of your current income. For our example, let’s assume that your gross income is $5300.00 per month. Let’s take $5300.00 and subtract your debts, which are $2105.00. That leaves you with $3195.00. To make it easy, take $2105.00 and double it. That would be $4210.00. That would leave you with disposable income of $1090.00. What the lender is looking at here is referred to as debt-to-income. They want to know if you have more going out than you can handle. This is strictly a case of numbers and provable numbers. If your gross income was $4500.00 and you had $2105.00 in debts each month, you need to be prepared for one of two things; add your spouse’s income and your spouse to the deal or trade in the other auto. If your debt-to-income is running too close to 50%, you’re going to have a hard time getting a loan for anything. Make sense? The way the bank looks at it is this: you can’t afford both cars so they assume that you are going to let the other (older) car go back to the lender-repossession. That’s their take. Debt-to-income is a HUGE deal.

In this case, your disposable leftover income is $1090.00. 20% of that would be $1060.00. Whoa! Let me be the first to inform you that you are NOT getting a car payment of $1060.00! Why? Well, you only have $1090.00 left over for starters. Let’s be realistic here. Most lenders will slice that in half which will equal $530.00. Your payment call should be around that figure, give or take a few dollars.

How expensive of a car can I buy on a $530.00 payment? Good question and one that you absolutely need to know so that you can pick out the correct car. One answer depends on the term of the loan. You can finance for 36, 48, 60 or 72 months, as a for-instance. That equates to 3 years, 4 years, 5 years and 6 years. I will tell you this: the worst thing you can do is extend the note out the longest amount of time in order to get the payment where you can afford it. That creates a syndrome that now affects over 75% of car owners called being “Upside Down.” It means that you owe more on your car than it’s worth. It also means that you need more money down when you go to trade it in. The only way around that is a lot of money down or a short-term loan.

You can again do a Google search for a ‘car loan calculator’. You will punch in the loan amount you want to borrow, the term (48,60, etc.) and the interest rate. If you have not gotten approved already and know the rate, you will have to guesstimate. Here’s a rule of thumb for you-it’s not an exact science without knowing your credit, but it is a guide you can follow to get you close. Let’s base the rate on your beacon score: that’s what most of the lenders are going to look at.

If your beacon (credit score) is in the 400 or lower range, you will need to figure your interest rate on a new car at 21% (state maximums differ-it could be 18%). If you are looking at a used car, figure on 33%. If your beacon score is in the low 500 range, figure your new car loan as you would for the above-mentioned 400 beacon. If your beacon score is in the mid to high 500-range, figure a new car at 18% and a used car at 27%. If you have a beacon of 600 to 649, figure a new car at 16% and a used car at 20%. If you have a beacon score of 650 to 699, figure a new car rate at 12% and a used car rate at 16%. I may be hitting too high on a few of these, but I live in a state that has the highest rates in the nation. Better safe than sorry.

Get Pre-Approved BEFORE you start shopping. This is the easy part, in a way. Remember I told you at the beginning of this article to take charge of your car deal instead of letting the dealer lead you by the hand. It all boils down to financing. If you can walk in with a check in your hand, you are in control. I will recommend a few companies that are reputable, have a proven track record in sub prime loans and all mail the check to you at home. You then go into a dealership and pick out your vehicle, negotiate and buy like a cash buyer! These companies are Household Finance, Capital One Finance, Americredit and E-Loan. You can do a Google search for all four, apply online, and get either an instant approval or one really quickly. When you are approved, they mail the contract to you and then the check. It’s that easy.

On the final decision for the car-work smart here. There is nothing more valuable than time and nothing more rewarding than piece of mind. Please don’t go running from dealership to dealership. Wrong. Pick out the 3 models of auto that you can afford. If you are looking for a program car (rental), call dealerships and inquire as to whether or not they have any. If you want a new, ask other people that are driving that model where they bought theirs and would they purchase there again. If you start hearing a lot of “I’ll never buy from them again”, move on. Something is wrong. Your new car is only as good as the service you will get AFTER the sale.

Negotiating-Most people hate this. I have only met 2 people in 14 years that enjoyed it; they were both retired and had nothing better to do. One did it for the fun of it and never even bought if you agreed to his price. Don’t waste other people’s time. If you don’t like the car, don’t negotiate on it. When you do find a car that you would own, tell the salesman you’d buy it right then if the price was right and if they provided you with a Car Fax. The keyword here is: ‘If the price is right’. How do you know what a good price is? Well…glad you asked. If it’s a new car, Kelley Blue Book will have dealer cost. Go to: http://www.kbb.com

If it’s a used car, compare used car figures at http://www.kbb.com

And

[http://www.nadaguides.com]

What’s the difference? Most dealers (with the exception of the West coast) will use NADA as their guide.

Here’s what’s transpired so far:

Before you ever drove the car, you went by the dealership on Sunday, when there are no salespeople and you got the Vin# of the car and the equipment, year model and had a good look at it. You already know if you like the car when you drive it, that you would buy it. The list price is in your pre-approved check category, to boot. You’ve already gone online and gotten wholesale, trade-in and retail values for the car.

Retail is what the dealer should ask for the car. This will help you to know whether or not the salesman is trying to add money to the car, or if the dealership is. Trade-in is a figure to gauge approximately what the dealership traded for the car for. It will give you an idea of what the dealer paid for the car, before reconditioning fees and any ticket from service. Now, not every make of car will bring trade-in value. Two that will at this time are a Honda and a Toyota. Those cars will bring trade-in value. Domestic cars generally will not bring trade-in value, with the exception of new, hot models. Other models will only bring wholesale. As an example, Kia makes a great car, but most will not bring close to trade-in value. Mitsubishi is going through changes and also won’t bring close to trade-in value. There are exceptions to the rule: Katrina and Rita-two hurricanes that created a short supply of used cars. If you live in the south, that will be the case for a while. With the exception of a Honda and a Toyota, you can probably be safe offering less than trade-in. Not thousands, mind you, but less.

Take into consideration the other costs of trading for a car. Also, ask the salesperson how long they’ve had the car. If the salesperson slips up and tells you they’ve had it a while, your negotiating should be easier. The reason behind that is that the dealer is paying interest on the car every month it does not sell. The book value is also dropping every month so it needs to go.

Throughout the car deal, make sure they know you are paying cash. Don’t mention that you have a check from Americredit or whoever. That’s none of their business. When you make a deal, insist on the Used Car Manager running a Car Fax before you sign any paperwork. A Car Fax will show if the vehicle has been involved in a serious wreck, was bought back from the original customer or is salvaged. This will put your mind at ease. If you don’t like the Car Fax, don’t buy the car.

Throughout your shopping, I can’t stress this enough-Do NOT fill out credit applications at each dealership. Every time you sign a credit application, the dealer pulls your credit report and your beacon score goes DOWN. That’s why I advise on getting approved ahead of time. There are numerous advantages to getting approved ahead of time. The main advantage is that you are in control, not the dealership. That’s worth a fortune in itself. Their job is to take control of you from the start of every meeting. Believe me; I know what I’m telling you. I lived that life for a long time.

For some reason, should you not be able to get pre-approved because your credit is extremely bad (a discharged bankruptcy is an instant-approval, by the way), and you have to go through an online clearinghouse like cars.com, don’t despair. Continue to follow my previous steps and advice and negotiate and insist on a Car Fax report.

When you do decide on a car and go into the Finance Office to sign the papers, I would like for everyone to know that you do not have to purchase any products in order to get the loan. If anyone in Finance tells you that you have to purchase a warranty and credit life to get the loan, which is a bold-faced lie. Why would a Finance Manager do that? Because they work on commission, also. Surprised? Don’t be. That’s the way dealers set up Finance Offices from the start when they realized how much money could be made. The Finance Manager makes money off of the rate they quote you, the warranty they sell you, the gap insurance and the credit life and disability you buy. That’s how they make a living.

I’m not saying that any of these products are bad, though. I believe in extended warranties. I’m just telling you to shop around first. If you find a cheap warranty, check out the company and make sure they will give the dealer a credit card over the phone immediately when in need of repairs in any state. All in all, I will say this-A manufacturers warranty is always better than an after-market warranty. Always. Just negotiate on it if you want it.

The only reason why you would not want gap insurance would be if you literally paid cash for the car. Otherwise, gap is cheap (should retail around $495) and will pay the portion that insurance won’t pay if it’s totaled. Just remember what I said about the book dropping on a car every month. It will never be worth what you owe unless you put down a lot of money at the time of purchase.

Credit life and Disability insurance are a personal matter. If you have a life insurance policy, it can be used to pay off the car in the event of your death. If you are single, why do you need Credit Life? The only benefit would be if you are married with a family, it cuts down the payout time. In this situation, your spouse would not lose the car.

Disability Insurance pays out for a specified amount of time. It will not pay out for the entirety of the loan. It also has a specified start date from the time you are disabled. It doesn’t just kick in immediately.

This is a lengthy article, but the gist of it is this: do your homework at home first. Then get approved online. Then shop on Sunday. Then go get your car and negotiate on everything. It will be the easiest car-buying experience you have ever had.

Regardless of your credit situation, if you follow my steps, you’ll have a car in no time and you’ll be an educated and informed customer during the process. Good luck!

Alicia Guidry spent 14 years in the retail automobile industry as a finance manager, sales manager and general sales manager.

For additional sources, see:

Bad Credit Car Loan [http://bad-credit-card-applications.com/auto-bad-credit-financing-loan.html]

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Pet Supplies

Jan 12, 2012

When you have an animal, it is important to have the correct pet supplies. To properly care and maintain the health of your pet, there are pet supplies designed for every kind. Depending on your animals needs, there are a variety of places you can get the necessary pet supplies at. Check out local pet stores and online vendors to find the best deals on pet supplies.

One of the most important kinds of pet supplies to have is proper bedding. It is important to make sure that you pet has a home to call their own. A doggy bed or a cat castle will provide this. For fish or reptiles you want to make sure they have some place to hide. Proper bedding gives them safety and security. A proper crate or kennel will give them their own home and a lot of animals need that.

You need to feed your pet the proper food for them too. At many pet supplies stores, you’ll find a variety of feed for any animal. What you feed them can depend on their breed, their age, or their needs. Some animals need high protein low fat diets; others need something with grains and wheat. Whatever you need for your pet, there is food to fit them.

Aside from the essentials, some pets will need toys. There are all kinds of pet supplies that are fun for dogs, cats, and other animals. Toys for dogs like tennis balls, rope toys, and squeaky toys will provide hours of entertainment. For cats, you may find things like cat nip toys, or little balls with bells in them. These toys will keep your pets entertained while you are away.

There are many other pet supplies that will keep your animals occupied. It is very important that when you are gone for the day that your animals have pet supplies that will keep them entertained. If you don’t crate train your dog for example, and you leave them with no treats or toys, they will be destructive in your home, and this can cause you and them multiple problems.

Depending on where you purchase your pet supplies, you may also be able to find supplements or natural medications that your animal needs. You will find joint supplements, vitamins, and other items that your animal may need daily to maintain their health. It is important to find the right supplements for your cat, dog, or reptile.

Grooming supplies are also popular items for animals. It is necessary to properly bathe and groom your pet. You’ll want nail clippers, brushes, soaps and shampoos that are designed for them. You also may need a variety of other products depending on what type of animal you have.

Making the right purchases will make your pets happier and healthier. Be sure to invest in products that will help your pets, and provide them with activities throughout their day. A happy pet is a healthy pet, and you’ll get the most out of your animals if they are well taken care of.

Zeeman Haus enjoys writing articles online on a variety of subjects. You can check out his latest website on Pet Safe Bark Collars which provies product reviews like bark control collars and spray bark collars.

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In this article we will look in depth at a relatively new wrinkle in marketing for law firms known as “attorney-client matching services”. First a little background is in order. The legal services market segment is expected to reach $82.5 billion in 2008 according to Euromonitor International a market intelligence firm. In recent history consumers have been finding attorneys through word-of mouth or through the yellow pages. Often the word-of mouth advice does not deliver people to the best possible solution for their particular needs and the yellow pages is certainly not a great place to select a lawyer I am sure you would agree. Additionally, according to the Pew Internet & American Life over four million consumers and small businesses currently search for legal services via the Internet every month with these numbers expected to rise to over seven million by 2007. I think you can see this is a huge market getting larger. It is imperative that attorneys understand this marketplace if for no other reason your potential clients and clients are moving to the Internet and yellow page advertising is a dying marketing for law firms vehicle. Understanding attorney-client matching services is one new way to tap into this Internet marketplace.

What I will not be talking about here is attorney-listing services. Please don’t get confused between attorney-listing services and attorney-client matching services. The two majors in the attorney-listing services arena are Lawyers.com or FindLaw.com that are used by many in marketing for law firms. With attorney marketing one might want to get a minimal listing on one or both of these two major sites. Both do drive a large amount of traffic to their sites for sure (in the millions of visitors per year). If you do get a listing then track your results carefully and see if being in the middle of a pack of listed attorneys actually does produce clients for you. Please don’t spend more on them than the basic listing that will run about $150 or so per month, at least until you can document results with the basic listing. Also, don’t buy your website through either of them, even if after testing you find good results, for many reasons that can be found under the Internet marketing tab on my website. One last note here, you probably don’t want to test most of the lesser attorney-listing competitors like lawinfo.com, lawcore.com or attorneyfind.com is my take, however if you do be sure to track your results. The rest of this article is about attorney-client matching services.

Attorney Marketing Via Five Attorney-Client Matching Players

In the attorney-client matching field there are five competitors for the attorney marketing dollar offering online attorney-client matching services. The first and originator is LegalMatch.com and its newer competitor being CasePost.com as well as a third competitor LegalFish.com. The two big players that offer almost everything in attorney marketing, Lawyers.com and FindLaw.com; have also recently begun to offer a version of attorney-client matching services.

Lets begin with LegalMatch that was established in 1999 and is based in San Francisco. LegalMatch uses a double blind matching system. By double blind they mean the consumer does not see identifying information about who the lawyers are and the lawyer does not see identifying information about who the consumers are although all the cards are put on the table for both to see before any contact is made between them. Through an allocation model LegalMatch makes the decision about which lawyers get the consumer’s information. Consumers can opt into “priority service” for a fee to talk with a LegalMatch staff attorney about their case and work with that attorney in selecting the attorney for their case. LegalMatch does have partnerships with the Utah State Bar Association, ATLA and NACDL. Membership fees for this marketing for law firms vehicle run from $2,500 to $25,000 per year (they will finance the membership fee if desired) depending on practice area and geographic location of the attorney. For example, a PI attorney in Los Angeles would likely be charged more than a family law attorney in Los Angeles, while the family lawyer in Peoria is likely to pay less than the family law attorney in Los Angeles. Their guarantee consists of extending your membership at no fee until your revenues have exceeded the fee you paid them.

Are There Legal Marketing Ethics Issues with Attorney-Client Matching?

A relevant digression here, since this model is not a lawyer referral program, a pre-paid legal service plan, a joint or cooperative advertising or a directory listing service it is not subject to ethics rules around much of marketing for law firms it has been asserted. Recently the Professional Ethics Committee of the Texas State Bar was looking into these practices and that committee received a seven-page letter (May 26, 2006) from the FTC that was agreed to by a unanimous vote of the FTC commission members that this attorney marketing practice is indeed ethical.

Already the states of North Carolina and South Carolina found the practice ethical. The Rhode Island Supreme Court specifically named in an ethics opinion that online matching services are ethical. Finally, the Utah State Bar (a mandatory bar) has retained LegalMatch as their lawyer referral service clearly indicating their thinking about LegalMatch’s ethical nature it seems to me. Naturally you do need to check with your state bar to be sure this is an ethical practice in your state. Now back to the options in the marketplace.

CasePost.com, based in Southern California, was established in 2002 is a second player in this area of marketing for law firms. They operate in a similar fashion as LegalMatch in matching clients with lawyers; however, the directory of attorneys is shown to the consumer immediately. The consumer can decide whether they want to remain anonymous or give their contact information to the attorneys. The consumer is limited to four attorney responses. Thus the consumer determines what attorneys will get their information. In May of 2006 CasePost has made a major expansion as a result of their partnership with HandelOnTheLaw.com that is powered by a successful nationally syndicated radio show on over 120 stations with attorney Bill Handel. This show has been running since 1985. They also have a strategic relationship with LegalZoom.com that began in 2006 that has increased their reach. Like LegalMatch the membership fees for this attorney marketing vehicle are from $2,500 to $25,000 per year (financing is available if desired) depending on practice area and location. Their guarantee to a member is based on a minimum amount of referrals over the year.

LegalFish is a third player in this arena. It entered the marketplace in 2003 and is based in Chicago. It is a bit different than the other two in a few ways. Like the other players the consumer can input their information and post their cases to the site as well give their identifying information or not. In a number of cases LegalFish will contact the posting consumer themselves by telephone or email to delve deeper into the needs of the consumer so they are not totally automated. There is an allocation model used by LegalFish in referring the cases to their members. Another difference is LegalFish charges a monthly fee for this marketing for law firms vehicle ranging from $180 to $750 to members that are non-contingency based practices. For contingency based practices the fee ranges from $1600 to $5000+ monthly only if the client retains the attorney. If LegalFish does not deliver a referral to a member that retains that attorney they don’t charge a fee to that attorney for the month (a form of a guarantee). Creating something of a “shared risk” system. Naturally, with this type of shared risk system, long-term success for both parties is based on LegalFish’s ability to generate new client opportunities and create demand for legal services, and their member attorneys’ ability to convert those referrals to paying clients. Both parties have to “pull their weight”. Finally, LegalFish reports they are particularly committed to serving the solo and small firm market with ten employees or less.

The next player in this marketing for law firms arena is Lawyers.com (mentioned earlier in this article about their directory listing or attorney-listing service) with their new Attorney Match Service. If you go to their homepage what stands out on that homepage is their “Find A Lawyer Quick Search”. This is their free to the consumer attorney-listing service (this is why you might want to test a listing with them and track results). To get to the Attorney Match Service you have to know to click on “Contact Lawyers” navigation tab or notice it up there at the very top of the Lawyers.com home page. Clicking on that takes you to a page where you input your zip code and the practice area you are seeking, however, it also tells you how many lawyers there are listed that “are interested in receiving your request”. You are required to fill in the identifying information with other case information. Once you do that you see the attorneys listed and pick the ones you want to send your request to and wait for their replies. The fee for the attorney member is $495 per year, however, you must have a biographical level listing on lawyers.com to be on the Attorney Match Service and that is $150 and up per month depending on the size of your firm. There is no guarantee for this service.

The final player in this marketing for law firms arena is Thompson’s Findlaw.com (mentioned earlier as an attorney-listing service) with their new attorney-matching website http://www.LegalConnection.com. The FindLaw system is similar to the Lawyers.com system with three steps of #1 Select your legal need; #2 Tell us about your case; and #3 Choose the attorney that’s right for you. It is different from Lawyers.com’s system since they have broken it out of their attorney-listing services completely with its own dedicated website. Their fees generally run from $500 to $1000 per month depending on your practice area and geographic location. They do not have a guarantee. They do report that they do set targets for each geographic area as well as practice combination and then will manage their marketing to get positive results for attorneys.

Well, now we have all the players in this particular niche of marketing for law firms with a lot of information. I think it would be imperative for me to mention one more item. Both Legal Match and CasePost have negative information on the Internet and it needs to be considered. If you go to Google and search just the term LegalMatch and then do the same with CasePost you will be able to find details about the negative information. One location that covers the negative information on LegalMatch with relevant links is at http://en.wikipedia.org/wiki/LegalMatch although that is disputed as not being sufficiently neutral in tone, which is one of Wikipedia’s requirements..

Conclusions and Recommendations on Attorney-Client Matching

Let me list my current thoughts/conclusions in this marketing for law firms niche of attorney-client matching services and from there it is up to you to make your decision:

1. This marketing for law firms vehicle clearly has some merit. This approach can deliver business to you that you would not get otherwise and get it to you now. Yes, you can do better and at least arguably cheaper for yourself through the right Internet attorney marketing strategies (see my website). However, it is not going to happen tomorrow and attorney-client matching can happen tomorrow. You can build your own systems while using these systems and then decide if you want to continue their systems or not. They will always probably get some business you would not have gotten otherwise even if you had your own online systems.

2. Unfortunately you are only “renting” the methods used to get the business you are being sent and don’t “own” the business methods used. If you had the correct Internet marketing for law firms system up you would have a salable asset in those systems and be driving traffic exclusively to you, which is better than this option almost certainly in the long run for most if not all attorneys. Additionally, as a general principle it is not good to be dependent on any one source of referrals as I am sure you know. That said I still think attorney-client matching services are a good option before you have your own Internet marketing systems and/or other marketing systems up. You may even want to continue these services after you have your own systems up. Having your own systems up makes you more secure and now you are at choice about staying with the service or not.

3. Who is this marketing for law firms vehicle for really?

a. Someone who needs more business right now. These systems have a stream of business coming right now and they can send it your way right now. Other attorney marketing systems will take some time to make happen and yield results.

b. Someone who is very, very clear they don’t want to be involved in the marketing process and are willing to pay someone else to do it for them even if it costs them more and they are “renting”. If that is you, then this is probably a good move for you. That said, you still are going to have to “close” the client they send you via email or on the phone so you are going to be involved in marketing at that level, just less marketing. You are never going to get away from that aspect unless you are an associate who does nothing but technical work in someone else’s practice (not that there is anything wrong with that).

c. Someone who is doing some attorney marketing that is not working for them or not working very effectively for them since if you stop what is not working and do this type that is working you may be able to reduce your marketing costs while increasing your revenue stream.

d. Finally, a partner level attorney who has a senior associate that has good people skills that could work this marketing for law firms vehicle and close the referred clients.

4. Who is this type of attorney marketing not for?

a. Someone who won’t attend to the referrals from the matching service most if not nearly every working day.

b. Someone who does not have fair to good “closing skills” or “bedside manner” (Note: you can get some coaching from these firms to improve this aspect if needed and/or see my website for more information on this skill set). You are not the only attorney getting the referral from the match firm so you need to “shine” well enough to get hired. There is still an element of competition involved with maybe 3 to 5 other attorneys who got the same referral.

c. Someone in a geographic area that does not generate a lot of referrals in your practice area. Like a rural area or small town or maybe an estate planner in a low-income area. So you see this marketing for law firms vehicle is not for everyone.

5. The negative information on LegalMatch and CasePost is somewhat troubling to me even though much of it is from the past and has been positively addressed. The negative information of the past on LegalMatch appears to have not troubled the Utah Bar, the Association of Trial Lawyers of America and the National Association of Criminal Defense Lawyers. This is reassuring to me.

6. If you were reasonably sure this type of vehicle is for you I would go with LegalMatch first. I am presuming you are willing to work their system diligently and have at least low average “closing” skills (they will work with you to get your closing ratio up if you need some support in that area). Why LegalMatch? They have over 1500 members currently (a good sign I think), over 90 employees and have been in business longer. I figure that gives them an edge in knowledge, results and staying in business over time. Additionally, their “footprint” of bringing business to their members is almost certainly larger since they have more resources to drive business to their site than the others. If for some reason you are uncertain if this type of marketing for law firms is for you then I would go with LegalFish first. Why LegalFish? The LegalFish option would allow you to get into this marketing for law firms arena now with less expense and less risk than LegalMatch or CasePost. Do realize the LegalFish attorney marketing “footprint” is going to be much smaller than either of the other two services so they won’t be sending as large a volume of business your way almost certainly. Do be sure you have in your agreement with LegalFish that they will not charge you for the months they do not send you business. If you had a good experience working the referrals from LegalFish, diligently worked the system almost daily, realized a good return on your investment and you wanted to do more then I would look into LegalMatch next. Either starting with LegalMatch or LegalFish, if you find that you really liked this approach to marketing for law firms there is nothing wrong with belonging to two or even three of the services.

7. If you decide to become a member with LegalMatch, Case Post and/or LegalFish do remember your financial arrangement and term of membership are somewhat to greatly negotiable. Do negotiate a win/win agreement for yourself. Naturally, if you can get references of current members to contact from them in your practice area and in a similar type market to yours so much the better before you sign your agreement.

8. I probably would not go with Lawyers.com at this point. Why? First, no guarantee. Next Lawyers.com does not appear to me to be promoting that part of the site enough. Additionally, I am not sure it is worth the cost of the bio and the fee that together will run at least $2,400 for the year. I suspect this money could be better put to use with one of the “big three”. Lastly, given the consumer has a list of attorneys that could be large (search on the site for your zip code and practice areas and see how large it is for your area) you are going to be in a crowd I fear. Thus it looks like not much business and it seems no way to impact the consumers’ thinking in your direction at the point where they are selecting who to contact. An exception to this thinking is if you already have a bio listing with them (and it is delivering business to you) this add on service might be a useful attorney marketing move given you are only spending $495 more per year. That said keep good records and see if it produces you any business. If not you would stop the service of course.

9. With respect to LegalConnection.com I probably would not go with them at this point. Why? No guarantee. I do see it as an advantage that it is a stand-alone away from the FindLaw.com site. For that reason alone I would favor it over Lawyers.com, however, I don’t see LegalConnection.com or Lawyers.com as being in the same class as the “big three” at this point in time.

You can download free now the 125 page Report titled “31 Proven Law Firm Marketing Strategies” by Henry Harlow and much more. You can increase your income; reduce your work hours as you serve your clients better than ever – guaranteed. http://www.Law-Firm-Marketing-Coach.com

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Within a post 9/11 society, political Islam is seen as a virulent force that threatens national security. In a response, Western governments have taken extreme political and militaristic action seeking to cripple the political ideology’s domestic and international expansion. Unfortunately, however, there has been little progress in this department. Still, for a small but increasing minority of Muslims, the West and its imperial intermeddling within Islamic Middle Eastern affairs (i.e. Israel-Palestine) is categorically reprehensible. Using this as a point of departure, serious acts of terrorism have been committed supposedly in the name of ‘jihad’.

The most iconic representative of political Islam is without doubt the late founder al-Qaeda, Osama bin Laden. For nearly two decades, the Islamist figurehead has been synonymous with a militant form of Occidentalism, and has been named as the main orchestrator behind the 9/11 bombings. Based upon these charges, many believe that the timely assassination of this ‘evil man’ by US military forces was both just and necessary. However, bin Laden’s death does very little to ameliorate the social and political preconditions of radical Islamism itself. With or without Osama bin Laden, this religio-political attitude will continue to be embraced by certain Muslims who are vindictively antipathetic towards the West. Under these circumstances, the age old argument of attacking symptoms but evading the disease is rather apt.

According to Christopher Hitchens, the main factor energising political Islam’s rise and sprawl is not Osama bin Laden, but the Islamic belief system itself. Within the eighth chapter of the Holy Qur’an, there is a passage that comprehensively delineates the right and duty of all Muslims to fatally persecute those whom fall under the rubrics of the ‘unbelieving’. This is accordingly the scriptural basis of jihadism. If this theory is correct – which it is most certainly not – then why do only a small minority of Muslims embrace this political persuasion? Well, put simply, contemporary political Islam has very little to do with the theology. Normatively speaking, its supporters are nearly always found within a very specific social, cultural and political context. This finding is well explicated by the American-Japanese political philosopher, Francis Fukuyama, who maintains that radical Islamism is more accurately understood through the prisms of modern identity politics. According to Fukuyama, globalisation is blurring the once apparent distinctions between the developed world and the Middle East. Under such conditions, the Islamic faith is being socially and geographically “deterritorialised”, namely through immigration and Western influences. As a consequence, the traditional Muslim identity has almost becomes untenable. This phenomenon is especially the case when the younger generation of Western Muslims are concerned. Without the everyday social and cultural cleavages found within traditional Islamic societies, young Muslims living within Western Europe and North America often feel divorced from their traditional ancestral ties. Concomitantly, such Muslims additionally feel ontologically estranged from the norms and values that are commonplace within their host nations. Under these inauspicious conditions, this generation of Western Muslims are extremely vulnerable to a sort of existential anxiety, whereby the proverbial question of “Who am I?” becomes subjectively difficult to ascertain. Fukuyama explains that political Islam and jihadism arises in response to this quest for identity, and provides a sense of belonging for anomic Western Muslims by positing statements such as:

“You are a member of a global Umma defined by adherence to a universal Islamic doctrine that has been stripped of all of its local customs, saints and traditions.”

This sociological interpretation explains the Western fraction of the global political Islamist movement. Here, European and North American Muslims – who feel socially, culturally and politically alienated from their secular, democratic host countries – readily embrace a doctrine that gives their personhood a meaningful raison d’être. This account elucidates the reasons why so many radical Muslims were originally non-Islamic in their daily behaviour. Oftentimes, these kinds of ‘secular Muslims’ were initially petty criminals who then became radicalised within the penal system. Records suggest that many were also alcohol or drug abusers before they became inspired political Islam. What these findings suggest is that with feelings of alienation and anomie, Western Muslims, just like any other social group, crave a sense of purposefulness within their lifeworlds. Based on these circumstances, political Islam provides the sufficient antidote to this existential crisis.

Whilst Fukuyama’s main thesis is certainly valid within Western contexts, it still fails to take into account that political Islam was originally a Middle Eastern reaction to the vices of Western imperialism. By stating that political Islam is mainly based on a sociologically-orientated need for a coherent self-identity, Fukuyama absolves the US and its allies of the political and economic oppression that it has continually inflicted upon Islamic societies. The United States and its questionable economic and militaristic support of the Israeli occupied territories is obviously the most pertinent case in point. This charge – coupled with other injustices such as the Iraq War – needs to be acknowledged if political Islam is to be understood in a global context.

Noam Chomsky states that the Islamist reaction to Western hegemonic forces is certainly not a recent phenomenon. In 1958, President Eisenhower stated – within an internal, underreported discussion – that hatred towards the US and its allies is exponentially growing within the Arab World. This attitude was not assumed by the autocratic governments of the region however, but by the actual people. After research was conducted that sought to suggest why this was the case, the US National Security Council observed that this hatred was based upon the assumption that the US and its allies (especially the UK and Israel) support brutal authoritarian regimes within the Middle East, North Africa and Indonesia principally because they want to control their lucrative oil reserves. Responding to this accusation, US representatives unashamedly claimed that this was wholly accurate and justifiable: if Western prosperity is to be effectuated, then building partnerships with Middle Eastern dictatorships with large supplies of natural recourses is essential. Because of the sheer frequency of these kinds of politico-economic arrangements within recent history, the West is often deemed to be complicit in the prevention of the democratization of the Arab World. Under these circumstances, the people living under these brutally repressive regimes have every right to be antagonistic towards the West.

The historically recent growth of political Islam needs to be understood in sociological and global political terms. In recognising that anomic Muslims within the West are certainly susceptible to this embracive political narrative, the need to rectify the social preconditions that make them feel alienated in the first place is highly important. In addition to this, there also has to be an acknowledgment of the West and its role in propping up repressive dictators so as long as they can keep on extracting raw materials from the region. These factors – alongside a more respectful foreign policy – should be taken into consideration by state governments if radical Islamism is to no longer play a part within human affairs.

Unfortunately, killing Osama bin Laden did nothing in grand scheme of things. The chanting of U.S.A on Times Square – celebrating the terrorist’s premature death – was certainly myopic and will be short lived. Political Islam will continue to be embraced irrespective of al-Qaeda’s strength in personnel, for as long as Muslims are unjustifiably mistreated by the West. History will repeat itself for as long as we don’t learn from our mistakes.

Visit the My Society blog for more sociological-based articles: http://themysocietyblog.blogspot.com/

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Automotive Training

Jan 8, 2012

If you are seeking automotive training, then a technical or vocational school may be the right place for you to get your start in an interesting and challenging career in automotive technology!

Whether you’re interested in becoming an auto mechanic, technician, service advisor, manager, or auto parts worker, automotive training can be your key to obtaining an automotive education and professional certification in automotive know-how.

In the modern world, automobiles are operated by electronic systems and complex computers, measuring performance and efficiency as the machines move down the road. Students in automotive training schools must develop skills as technicians to become high-tech diagnosticians, using electronic equipment and computer-based reference materials. Diagnosing the sources of problems quickly and accurately can be the most challenging and most rewarding part of a good automotive training program.

Students who would like to enroll in vocational automotive training should have well-developed math skills and physical science acumen prior to enrollment. As with all educational courses, it is important to review the automotive training curriculum to be certain that your school will offer Automotive Service Excellence (ASE) certification training. Furthermore, potential automotive technicians should understand that most employers pay their service techs based on productivity. Upon graduation, you may wish to consider the option of becoming an independent business professional.

In addition to their initial vocational automotive training, students can return for continuing education courses and credits to remain updated on ever-changing computerized diagnostic systems, tools, and other automotive-related technologies. Training in automotive technology often leads to an interest in other related areas such as auto body repair or automotive and diesel repair. The job seeker will find that diesel mechanic training is particularly valued.

If you would like to know more about Vocational Automotive Training, or even Online Automotive Training, we urge you to search our site for more in-depth information and resources.

DISCLAIMER: Above is a GENERAL OVERVIEW and may or may not reflect specific practices, courses and/or services associated with ANY ONE particular school(s) that is or is not advertised on SchoolsGalore.com.

Copyright 2007 – All rights reserved by SchoolsGalore.com, in association with Media Positive Communications, Inc.

Notice: Publishers are free to use this article on an ezine or website, provided the article is reprinted in its entirety, including copyright and disclaimer, and ALL links remain intact and active.

Michael Bustamante is a staff writer for Media Positive Communications, Inc. in association with SchoolsGalore.com. Find Automotive Training Schools, Colleges, Universities, Vocational Schools, and Online Schools at SchoolsGalore.com, your educational resource to locate schools.

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Stage fright Is Good and Makes You Better Looking Too!

Before you learn how to speak in public, it is important to be ready to speak in public. Stage fright is a phenomenon that you must learn to control if you want to be good at public speaking. Actually, stage fright isn’t the most accurate term for the nervousness that occurs when considering a speaking engagement. In fact, most of the fear occurs before you step on-stage. Once you’re up there, it usually goes away. Try to think of stage fright in a positive way. Fear is your friend. It makes your reflexes sharper. It heightens your energy, adds a sparkle to your eye, and color to your cheeks. When you are nervous about speaking, you are more conscious of your posture and breathing. With all those good side effects you will actually look healthier and more physically attractive.

When making public performances, many of the top performers in the world get stage fright so you are in good company. Stage fright may come and go or diminish, but it usually does not vanish permanently. You must concentrate on getting the feeling out in the open, into perspective and under control.

Remember Nobody ever died from stage fright or speaking in public. But, according to surveys, many people would rather die than speak in public. If that applies to you, try out some of the strategies in this section to help get yourself under control. Realize that you may never overcome stage fright, but you can learn to control it, and use it to your advantage in your public speaking efforts.

Symptoms of Stage fright

* Dry mouth.

* Tight throat.

* Sweaty hands.

* Cold hands.

* Shaky hands.

* Give me a hand (Oops, I couldn’t resist).

* Nausea.

* Fast pulse.

* Shaky knees.

* Trembling lips.

Any out-of-the-ordinary outward or inward feeling or manifestation of a feeling occurring before, or during, the beginning of a public speaking engagement (Wow! What a dry mouthful!).

Here are some easy to implement strategies for reducing your stage fright.

Not everyone reacts the same and there is no universal fix. Don’t try to use all these fixes at once. Pick out items from this list and try them out until you find the right combination for you.

Visualization strategies that can be used anytime

* Concentrate on how good you are at public speaking.

* Pretend you are just chatting with a group of friends.

* Close your eyes and imagine the audience listening, laughing, and applauding.

* Remember happy moments from your past.

* Think about your love for and desire to help the audience.

* Picture the audience in their underwear.

Strategies in advance of program

* Be extremely well prepared.

* Join or start a Toastmasters club for extra practice.

* Get individual or group public speaking coaching.

* Listen to music.

* Read a poem.

* Anticipate hard and easy questions.

* Organize your speaking notes.

* Absolutely memorize your opening statement so you can recite it on autopilot if you have to.

* Practice, practice, practice. Especially practice bits so you can spit out a few minutes of your program no matter how nervous you are.

* Get in shape. I don’t know why it helps stage fright, but it does.

Strategies just before the program Remember Stage fright usually goes away after you start. The tricky time is before you start.

* Be in the room at least an hour early if possible to triple check the public address system and everything else on your checklist. You can also schmooze with participants arriving early.

* Notice and think about things around you.

* Concentrate on searching for current and immediate things that are happening at the event that you can mention during your speech (especially in the opening).

* Get into conversation with people near you. Be very intent on what they are saying.

* Yawn to relax your throat.

* Doodle.

* Draw sketches of a new car you would like to have.

* Look at your notes.

* Put pictures of your kids/grandkids, dog, etc., in your notes.

* Build a cushion of time in the day so you are not rushed, but not too much time. You don’t want to have extra time to worry.

* If your legs are trembling, lean on a table, sit down, or shift your legs.

* Take a quick walk.

* Take quick drinks of tepid water.

* Double check your A/V equipment including the public address system, projectors, etc..

* Don’t drink alcohol or coffee or tea with caffeine.

* Concentrate on your speaking ideas.

* Hide speaking notes around the stage area so you know you have a backup if you happen to draw a blank.

* Concentrate on your audience.

* Listen to music.

* Read a poem.

* Do isometrics that tighten and release muscles.

* Shake hands and smile with attendees before the program.

* Say something to someone to make sure your voice is ready to go.

* Go somewhere private and warm up your voice, muscles, etc.

* Use eye contact.

* Go to a mirror and check out how you look.

* Breathe deeply, evenly, and slowly for several minutes.

* Don’t eat if you don’t want to and never take tranquilizers or other such drugs. You may think you will do better, but you will probably do worse and not know it.

Strategies when the program begins

* If legs are trembling, lean on lectern /table or shift legs or move

* Try not to hold the microphone by hand in the first minute.

* Don’t hold notes. The audience can see them shake. Use three-by-five cards instead.

* Take quick drinks of tepid water.

* Use eye contact. It will make you feel less isolated.

* Look at the friendliest faces in the audience.

* Joke about your nervousness. What’s the right wine to go with fingernails?

Remember nervousness doesn’t show one-tenth as much as it feels. Before each speaking engagement make a short list of the items you think will make you feel better. Don’t be afraid to experiment with different combinations. You never know which ones will work best until you try. Rewrite them on a separate sheet and keep the sheet with you at all times so you can refer to it quickly when the need arises.

When speaking in public use these steps to control stage fright so it doesn’t control you.

How do you become a great speaker and get paid for it?

Learn the public speaking techniques that will create the career of your dreams and change other people’s lives forever. It’s easier than you think!

Tom Antion provides entertaining speeches and educational seminars. He is the ultimate entrepreneur, having owned many businesses BEFORE graduating college. Tom is the author of the best selling presentation skills book “Wake ‘em Up Business Presentations” and “Click: The Ultimate Guide to Electronic Marketing.” It is important to Tom that his knowledge be not only absorbed, but enjoyed. This is why he delivers his speeches laced with great humor and hysterical jokes. Tom has addressed more than 87 different industries and is thoroughly committed to his clients’ needs. http://www.antion.com

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Are you planning to revamp your child’s room? Are you looking out for things which will make your child’s room bright and trendy? Have you ever given a thought for children’s furniture, kids’ toy boxes? Not much, right?

Furniture and toys will be the best option to start with the renovation of your kid’s bedroom. Always look out for things which are going to help your child to learn faster, bring those toys which will encourage them, which will fire their imagination and every creative aspect of their life. The first thing you can to do is to plan out the things and then start working on it. Make sure how you are going to do it, what things are you going to place in their rooms, which colors you are going to put on their walls, and the color of the children’s furniture. Have you ever thought from where you are going purchase all these things and what will be the expense?

Try to make your child’s room special by using decorative things like cartoon print bed sheet, colorful flowers, etc. Many parents want to give the best to their children no matter if it is little expensive. A variety of kids furniture are available in the market like tea party tables, rocking toys, wooden toys, educational toys, art activity desk, bookshelf, toy box etc. These things not only make their room attractive but also help them to learn lot of things for example; tea table will be helpful in learning table manner, bookshelf will help them to keep their books in an organized way, after playing children put their toys all over the room so don’t you think toy box will be helpful to them to keep their toys back after playing. Toys are the best thing which will help your child to learn lot of things in their day to day life.

Now this is not all about making your child’s room look special but it’s also about what quality kids furniture and kids toy boxes are you using. Parents look out for those kids furniture which are not harmful to their children. Lots of toys are made of plastic which contains toxins in it and those are harmful for the health of the children. These toys and kids furniture should be of better quality and try to use wooden furniture in their rooms which will last for long time and will not prove harmful to their health.

You can find this furniture in well known shops of wooden kids furniture where you will get lot of varieties. Try not to buy inferior quality things due to lesser cost. If not possible, use a few things in the room but of good quality. There are number of stores dealing with children’s furniture in the internet market so just enter your search and purchase appropriate furniture for your child’s bedroom.

Bart Albert is the author of this article on Childrens furniture [http://www.oldfashionedtoyshop.co.uk/component/virtuemart/?page=shop.browse&category_id=8].

Find more information about Childrens toy boxes [http://www.oldfashionedtoyshop.co.uk/component/virtuemart/?page=shop.browse&category_id=12] here.

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When you’re all alone in the privacy of your home office, surrounded by your

computer, your phone and your business idea, have you ever asked yourself,

“Where’s the line between me in my business and the business in me”?

With hundreds of thousands of home-based businesses starting every year, and few

ever flourishing, the topic of branding has become hot, hot, hot. And thanks to

experts touting the need for a personal brand in sole proprietor businesses the

confusion is growing. It’s no wonder.  Business… personal… personal… business–

what IS the big difference any way?

Last week, I was guiding a client (a service-based sole practioner) through the same

step-by-step process that I take every company (sole practioner, entrepreneur or a

business of any size) through to develop their brand and I noticed that as we got

deeper and deeper into the process, she was having more and more trouble coming

up with answers.   The very answers that would separate her from other people

engaged the same exact business and distinctly establish her brand.

In the middle of working on the most important step in the branding process– the

brand statement–I asked her the simple question, “Why does she do business she

does?” she burst into tears. Halfway into the box of Kleenex she finally, revealed the

most amazing answer as to why she was in her chosen field in the first place.

Honestly, I think she stunned herself. We both sat silent for over a minute in awe of

the power she had tapped into with her discovery. (Don’t let anyone fool you, this is

from where the true power of branding comes.)

Then doubt reared its ugly head and like a butterfly emerging from a new cocoon, a

series of questions poured out of her: “Is this my business or is it me?” “Is why I do

what I do really that important?” “Why is it so hard for me to stand in the power of

my business and really make something of it?”

You get the picture? You may even be standing in a similar picture, even wrestling

with the same questions yourself. Bless you if you’re not.  Let’s look at the

difference between ‘your business’ and ‘you the person’ and see if we can clear up

this question once and for all.

A business: (be it Niketown or Bob’s Shoe Bonanza)

Delivers a product or service to fulfill a customer need.

You:

Deliver a product or service to fulfill a customer need.

A business:

Establishes a certain value that a customer can rely on from every contact with their

product or service.

You:

Establish a certain value that a customer can rely on from every contact with your

product or service. (If not, get on it immediately!)

A business:

Communicates consistently to reach the customers that have a need for their

product or service.

You:

Communicate consistently to reach the customers that have a need for your product

or service. (If not, what are you waiting for?)

A business:

Enjoys a financial reward equal to the amount of customers that it serves, AND a

personal reward for the creator/C.E.O.

You:

Enjoy a financial reward equal to the amount of customers that you serve AND YOU

get to experience the personal reward yourself.

If you look at just these four basic, bottom-line points, the difference between a

business and you as a sole business owner is… nothing; unless you count the added

bonus of you getting a financial AND personal reward.

At the start of every single business, throughout history, there has never been a

separation between the person starting it and the business itself. If you asked any

business figure-head today, Bill Gates of Microsoft, or Jeff Bezos of Amazon.com, or

if they took over a company like Meg Whitman for Ebay, or Carly Fiorina for Hewlett-

Packard, they would tell you that there is no difference in who ‘they are’ and what

‘they bring’ to their business. Why? Because there’s no room for a difference.  It’s the

alignment that makes it possible to reach the highest of the heights.

It’s challenging enough to make any business succeed. It’s tough enough to make

any business reside in the mind of a customer. Why would you remove the very

power of ‘you’ in every shape and form from your business?! Why not every day do

the thing that moves you the most?   You are the only thing that sets your business

apart– you just need a process of tapping into your power, connecting it  to your

business, and a systematic way of communicating it to your customers over and

over and over again.

When developing your amazing business as a brand, throw the doors wide open.

Create it as you would if you were reaching millions.   You can always decide exactly

how many millions later. Thinking of your brand as just a ‘personal’ one will do the

opposite.  Keep it small.

If you work for yourself, be it your own business, network marketing, or even an

agent/broker condition under a corporate umbrella, you are the CEO of

your business. Every CEO brings themselves personally to their business. The great

ones bring every thing they are to their creation, every moment.

The majority of our lives are spent doing what we call work. As an entrepreneur or

business owner, you have the wonderful opportunity to make it more. Make it your

creation. Think of yourself as the Creator of an Entrepreneur Organization. When

you wake up tomorrow, instead of saying to yourself, “I’m going to work” say “I’m

going to create.” And the operative word is I’m. The true power of really making

something in your business will come from investing in it the most valuable

commodity you have– you.

There is no separation on the road to big business success: just because you’re

personally on it. True big business success comes to those who know, it’s not

just business– it’s personal too.

Written by Kim Castle, the Co-founder of BrandU™ — the home of only step-by- step process for developing your business as a brand from the inside out!

To get information on upcoming BrandU one-day workshops: http://www.whybrandu.com/Public/events/workshop/index.cfm?semID=13“>http:// http://www.whybrandu.com/Public/events/workshop/index.cfm?semID=13

Get your Why You?!(sm) monthly ezine for easy-to-read tips and informative insights on branding. To subscribe: http://www.whybrandu.com/

“BrandU™ — Big Business Success No Matter Your Size”

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Fish Cooking Basics

I must admit that I have met more than a few fishermen that know every trick in the book to catch fish, but after they have caught it, have no idea what to do with it. So if you are still wondering what you should be doing with those fish you caught, I have some help for you. The basic techniques for turning those fish into food are very simple and I have outlined the basic information and cooking methods for you.

10 minutes to the inch

Whether you are grilling, frying, baking, poaching, steaming of broiling your fish, the basic rule is that it will take 8-10 minutes of cooking time for every inch of thickness. The biggest mistake most people make in cooking fish is to over cook it. Now if the fish is frozen, count on 20 minutes per inch.

It starts at the water

Fish can degrade quickly after you catch it. One thing you can do to prevent this is kill the fish as quickly as possible. Smack it in the head with a club, then cut the gills with a knife. This will bleed the fish out quickly and slow down spoilage.

You caught it, you clean it

OK, so you probably know this already, but you need to clean the innards out, using a sharpknife and your thumb or narrow spoon. The longer you leave that stuff in there, the more chance it will have to start messing with the fish’s flavor.

When is it done?

The classical definition is that fish is done when it hits 160° and the juices run clear. Stick a fork into the thickest portion and twist gently. It should be flaky, but please, what ever you do, don’t let it cook into dry nastiness.

NUKING (MICROWAVING) FISH – Fillets, 1″ thick steaks

Yes, this is a valid fish cooking method!Microwaves cook by exciting (heating up) the water in whatever you put in there. Now call me crazy, but fish are just full of moisture. Gee… wonder why? Here are the proper steps for nuking fish. Allow 6 minutes per pound of fish, and remember that no two microwave ovens will be the same so adjust accordingly.

  1. Arrange the fish with the thickest parts towards the edge of the plate, and tuck and thin parts under so they don’t get overdone. One layer deep only please.
  2. Cover with plastic wrap, but pull one corner back just a little, or punch a little hole in it to vent steam.
  3. Don’t blast it! Cook at 70% of full power. Again, we are looking for just flaky.
  4. Let the fish rest for three minutes after you nuke it.

PAN FRYING (SAUTÉING) – Fillets less than 1-1/2″ thick, scallops, large shrimp

The old standby by for cooking fish, there are countless variations on how to pay fry fish.The basics are to heat butter or oil over medium heat in a pan big enough to comfortably hold your fish. Then cook on one side till brown then turn over and brown the other side. This shouldn’t take long so don’t over cook them!

What you do with them before you drop them in the pan is what matters the most. To be a purist, you can pat them dry and just lightly season them with salt and pepper. Of course if you want to get fancy, you can always coat them with egg and bread them with flour or bread crumbs.Then we get into seasoning of the breading and things get really interesting. Have fun, experiment.

BROILING – Fillets & Steaks 1/4″ to 1-1/2″ thick, Scallops & Shrimp

Think of broiling as blast cooking your seafood. Put the top rack ~4 inches below the broiling element and pre-heat that puppy. One thing to remember is that broiling can suck the moisture right out of fish, so you have to make sure it doesn’t dry out and get nasty. Fish like Salmon, Tuna and Swordfish have enough oil already to keep them moist, but think about marinating other types of fish.

Drop your fish on the broiling pan, season it lightly and get it under the broiler. Keep a watchful eye on it though. Broilers will take food from done to crispy in the blink of an eye.

STEAMING SEAFOOD – Fillets, Steaks, Whole Fish and Shellfish

Steaming is about as easy and healthy as it gets. No added oil is needed, just a little salt and pepper. If you like, you can steam your veggies right along with your fish! Just remember the 10 minutes to an inch rule and go for it.

BAKING SEAFOOD – Fish Fillets, Steaks, Shellfish & Whole Fish

Baking is the tame version of broiling. Set your oven for 450° and away you go! As for the fish, arrange them one layer deep in a lightly oiled pan, tucking any thin parts under so they don’t burn. Variations include breading, coating with oil/butter, and topping with fruit and/or veggies.

POACHING (NOT BOILING) SEAFOOD – Whole fish, Steaks, Fillets, Shrimp, Scallops

Basic poaching technique is to cook the seafood in a broad, shallow pan filled with enough hot, but not boiling liquid to completely cover it. Any liquid will do, from plain water to concoctions of water, wine, herbs and stock. The liquid should be brought to a boil then turned down till you see movement, but no bubbles breaking on the surface. Carefully place your food in the water and cook the required time. Another very healthy way to cook your seafood!

STIR-FRYING – Chunks and strips of firm fish, Shrimp, Scallops, Squid

Stir frying is broiling from the bottom effectively. This is because to correctly stir fry, even cooking, make sure that your pieces of food are fairly uniform. Here is the basic stir frying technique.

  1. Heat the wok over high heat with oil till the oil starts to smoke. Add your vegetables if any and stir constantly. Cook until they are just a little tender and then set aside.
  2. Add oil if needed and reheat the pan. Cook the seafood, stirring constantly so it doesn’t stick. Cook until it is browned slightly and opaque in the center.
  3. Add the veggies back in along with some sauce and any other seasonings you like. And you are done!

GOOD OLD GRILLING – What can’t you grill?

Whole encyclopedias could, and probably have been written about grilling. It must tap into some primal spot in our soul to be outside, cooking or burning a piece of meat over some hot coals. Here are the main points to remember.

  • Keep your grill clean! Dirt grills cook unevenly and dirty grates are more likely to have food stick to them.
  • Oil your grill grates! It will help keep the food from bonding to them.
  • Grilling can dry food out like broiling does, so use fatty fish, and consider using a marinade or oiling and seasoning your fish before grilling.
  • For fish that is small, or might fall apart, use aluminum foil on the grill.
  • Once you put the food down on the grates, don’t mess with it! As my cooking hero Alton Brown says ‘Just walk away!’ Granted, not for long but don’t fiddle with it till it is time to turn it over.

So there you have the basics of cooking fish. Best of luck in your cooking adventures! Just remember to let your creativity flow and don’t be afraid of trying new things!

Cliff is a long time fisherman and cook hails from the remote lands in Northern Idaho, but has now moved to the big city. He is also the founder of the web based fishing show ‘Fishing with Cliff’ that can be found at http://www.FishingWithCliff.com where you can watch on demand episodes of his show, and get more great cooking ideas!

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Food

Dry food has been a recommended staple diet for cats by many experts for a number of years. It is an easy option to leave a bowl of dry food out constantly; something that cannot be done with tinned food. Unfortunately though, it’s not a natural food source and has been developed by humans using many additives and un-natural products. Cats, like humans, will eat until they fill themselves up. However, dry food has many more calories and carbohydrates than a natural food source, which leads to the cat taking in far more than necessary just to feel full-up. Many owners assume that their cat is just greedy, but in many cases it is not the quantity of food being eaten, it is the quality.

Naturally, cats are obligate carnivores; meaning they only feed on other animals. The cats prey however, are generally herbivorous and have various vegetable and plant matter in their guts. All of which, will be consumed by the cat. Domestic cats have been shown to have longer intestines than wild cats; proving they have evolved over hundreds of years to cope with more plant and vegetable matter (carbohydrates). Still, this is no excuse to turn a carnivore into an omnivore. Rather, supplementing the diet with small amounts of carbohydrates is acceptable.

Many consumers believe that dried food is actually better for cats. The manufacturers have implemented the belief that all these additives such as corn and grains are an important part of a cat’s diet, implying ‘the more the better’ approach. Although very small quantities of these may benefit the cat, too much will be detrimental to their health.

Kidney disease is one of, if not the biggest killer in cats. Kidney disease is usually a result of lack of water and unfortunately, cats have a very low thirst drive. Although they may drink when eating dry food, they will generally only take in half of the liquid necessary for their health. A cat’s prey item consists of around 75% water, canned and raw foods have a similar amount. Dry foods on the other hand usually have a maximum of 10% water content. It is obvious therefore, that canned or raw foods are an absolute must to maintain a healthy cat.

Cats need a high level of protein in their diet which must come from animals. Plant protein differs from meat protein, and should not be substituted. When protein is calculated in canned food, the moisture content must be subtracted from 100 and the protein percentage worked out from the result. For instance, a canned food with 8% protein and 75% water means that the true protein value should be worked out like so:

Non-Moisture Content = 25% so: 8 ÷ 25 x 100 = 32

Therefore: True Protein Value = 32% which is ideal.

The amino acid ‘taurine’ is also an essential part of a cat’s diet, and can only be found in meat products. It is recommended that a quantity of 2000mg/kg or 0.2% should be available in canned food. Other vitamins and minerals should also be included. Preservatives, colouring and added flavours are used more for the customers benefit rather than the cats. If it looks and smells nice to a human, there is a higher chance of them buying it.

There are very few foods on the market which actually have an ideal amount of everything included. Many diets have concentrated on having high a protein and moisture diet with low carbohydrates, but lack in having enough taurine or vitamin B. If this is the case, offering other canned foods on occasion that are better in these areas should be considered. This will also help stop the cat becoming addicted to any 1 food type. Inter-changing the various meats such as beef, chicken and fish will also benefit by offering varying amounts of vitamins, minerals and oils.

Buy quality, not quantity. Most cheap cat foods are cheap for a reason. Avoid buying canned foods that say ‘meat’, ‘by-products’, ‘bone meal’ or ‘animal digest’. Chemical preservatives such as ‘BHA’, ‘BHT’, ‘ethoxyquin’ and ‘propyl gallate’ have been seriously questioned as being detrimental to the health of cats, and should also be avoided. Canned foods are a must for adding much needed calcium into the diet, which is essential for building healthy bones and teeth.

High energy food has been designed for cats with high energy levels. This food will not benefit a cat which sits around all day, in fact in will make the situation worse. High energy foods will not make a less active cat become energetic.

There is a common misconception that canned food is bad for your cat’s teeth, and dry food is good. Unfortunately neither statement is completely true. Neither food types are actually good for the health of teeth. Dry food is hard and crunchy, completely the opposite of what a cat’s teeth are designed to do, which is tear away at meat. I recommend you brush and rinse your cat’s teeth on a regular occasion.

There are two methods to feeding a cat. The first is to leave a bowl of food out all the time. This is obviously done with dry food and not meat. Since we recommend feeding a diet of canned or raw meat, this method is not acceptable and you should opt for the second method. This is to have a feeding regime of 2 to 4 times per day. Feeding this way allows a more controlled amount of food being eaten. You need to decide how many times per day you will feed your cat. The more often the better, but if you are an owner which is out during the day several times a week, it may be better to opt for a twice a day routine. Alternatively, cat feeding dishes which are set on a timer can be purchased and are a good option if you only go out on occasions.

The total amount of canned food your cat should is listed below. It is important to divide this total amount of food up equally among all of its feeds. The chart below is appropriate to cats that are getting their appropriate amount of calorie intake per day, which is approximately 25 calories per pound in weight. This chart is for healthy adult cats weighing approximately 8-10lbs. Not overweight or obese cats.

Type / Age of Cat Weight of Canned Food

2 – 10 Years 200g

Geriatric (10 Years +) 160g

Neutered or Spayed 160g

Inactive or Indoor 160g

Treats

Treats are given to cats for different reasons depending on the owner. Surveys have shown that overweight humans are more likely to have overweight pets. They show that overweight people are unable to control their own weight properly due to lack of will power. They have the same lack of will power when their pets are ‘begging’ for treats.

Treats are often given because it is a way of making the pet feel more welcome. If the owner is out of the house all day, they often make up for it by giving treats. This is the easy way of doing things and totally unhealthy. Rather, making up for it by spending just 5 quality minutes with the pet is far more rewarding. You may decide to simply brush the cat, or you could play with it by throwing a small toy mouse or ball around. Either way, the cat will enjoy being with you more than it will eating a treat, and exercise will aid its health.

Some owners offer treats because they think the cat doesn’t eat enough dinner. The treats are designed and flavoured to be ‘irresistible’ to the cat, and they will eat it whether they are hungry or not. Treats should not be offered for this reason. Providing your cat looks healthy and is the appropriate weight, it will be feeding just fine. If your cat is a poor feeder, they should be tempted by other feeding methods, not with treats.

Higher Risk Cats

Neutered or Spayed

I would like to point out before anything, that the act of neutering or spaying your cat will not make it overweight. Rather, it is how you care for it afterwards that will affect its weight.

A neutered cat loses its desire to ‘roam’ like an ‘intact’ cat would do. They are not as inquisitive and generally get less exercise than intact cats. Because of this, their metabolism is slower than normal by around 20-25%. With a slower metabolism, comes a lower need for calories. A neutered or spayed cat should intake approximately 20% less calories.

Breed

Some breeds of cat are naturally slimmer than other breeds; such as the Siamese and Ornamental Short Hair. These breeds are far better at maintaining a good body condition than larger breeds. Pedigree cats are also generally fitter than non-pedigree individuals.

Age

Cats are most likely to become overweight from about 2 to 12 years of age. Younger cats have a much higher metabolism and are more energetic than older individuals. Older cats often eat far less, and it is more common for geriatric cats to become skinnier rather than heavier.

Indoor Cats

Indoor cats have many factors weighing them down. To start with, the most obvious factor is being indoors all the time. There is little stimulation inside, and they will not get the exercise that an outdoor cat will be able to. Many static toys that are offered to indoor cats become boring. They will soon lose interest in scratching posts and similar toys. Repetitive electronic toys can also become predictable and boring. The most enjoyable form of playing for the cat is to interact with the owner. Waving string around or rolling a small ball around will keep the cat amused for far longer.

Being inside all the time also means more contact with the owner is likely. This usually means more treats are given.

The temperature is an important factor too. An outdoor cat will use more energy and have a higher metabolism simply to maintain its body temperature. Cats living in centrally heated houses don’t have to use much energy to get their body temperature controlled.

Social Environment

This is an area where you just can’t win. There are advantages and disadvantages of having one cat or having multiple cats.

Only cats do not have the same competition for food that a multi-cat household may have. Therefore they may not be as eager to eat as much food and as quickly as a cat in competition with other cats will do. However, only cats are more likely to become bored and have less stimulation around them compared to a cat living with others. Cats have been known to take on habits like humans, such as eating when bored like an only cat may do. They may also eat more when they are stressed, like a cat living in a multi-cat household may do.

A household with more humans is far more likely to inflict extra weight onto a cat. It means more people offering treats, and more people to feed the cat dinner. It is common for many households to become confused as to whether or not the cat has been fed, and if in doubt they will feed it again.

Disabilities

This applies to humans and pets alike. Humans with physical disabilities are less likely to play and exercise their pets. The situation becomes worse if the cat is an indoor cat.

Disabled cats are often ‘over-protected’ by their owners. Most are automatically turned into indoor cats if they get a disability, and become an excuse for more treats to be offered. Most cats can still exercise and have their mind stimulated with various disabilities. In fact many cats with disabilities will deteriorate quicker if they are not exercised and the mind stimulated properly.

Neighbours

Do you have cat friendly neighbours? Do you know if your cat has gone into other people’s houses before? It is common for other cat lovers to feed a cat that has wondered into their house.

If you think this happens, place a tag onto the cat which is clearly visible and ask politely not to feed the cat. Some people will ignore this, thinking it will not do any harm. To get around this, state that you cat has ‘Special Dietary Needs’. They are more likely to pay attention when they think feeding them the wrong food could potentially harm them.

By Chris Jones
Director of Pet Club UK Ltd.
http://www.petclubuk.com

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Health insurance is a big investment and you should carefully consider all of the options before making a decision. Little success can be achieved if you are physically unwell. Therefore, health insurance may be important to you.

Health Insurance Policy

Health is the biggest and most crucial asset of every living being. A health insurance policy is meant to financially assist you in case there occurs a setback to your health.

The insurer may be a private organization or a government agency. In a health policy, coinsurance refers to the percentage of the medical bills that the insured individual will have to pay after the deductible is met.

There are different types of health insurance but mainly all the health insurance pays a fixed percentage of the expenses for the policy holders bill.

Group Health Insurance

Group Health Insurance is a benefit that some companies offer their employees enabling them to receive private medical treatment quickly and at no cost should they need it. As an employee benefit, group health insurance has many rewards.

Labor and trade unions also may offer group health insurance for their members. Spouses and children can often be added to most employee health plans, though the rate will be higher.

Individual Health Insurance

Individual insurance policies are distinct from group policies in the nature of evidence of insurability. You can purchase a policy by answering a health questionnaire and undergoing a medical examination to provide evidence of insurability to the insurance company.

Individual policies can be customized for your specific needs.

Family Health Insurance

Health insurance companies offer health insurance plans as a vital part of your full planning picture. Without it your safety and the safety of your family is jeopardized.

Most qualified heath care providers will not treat you without health insurance. I think you will sleep a lot better knowing that if something happens you or your family will be protected.

Health Insurance Cover

Health Insurance is an annual contract. So when it comes to renewal, your insurer is at liberty to review not only your premium but also change the conditions on which your cover is provided.

Health Insurance Quotes

Purchasing an insurance policy should take time and a little research in order to arrive at a wise buying decision. Individual health insurance quotes are available from various health insurance companies.

When you shop around for a health insurance plan, health insurance quotes can help narrow down your options and identify the best plan that fits your medical requirements and budget. This may help you to make informed decisions about the exact kind of health insurance plans into which you want to enter.

The best way to find the right insurance quote is with the help of a search engine. Some insurance companies and agents provide different kinds of quote options, such as the instant quote and the custom quote. The instant quote is the fastest kind of application, that provides general information about the eligible plans and their benefits.

Health Insurance Premium

The way for companies to calculate your monthly or yearly premium is to look at many factors. The premium is the amount you will pay for the benefits covered under your health insurance plan.

Health Insurance and Emergencies

It’s easy to ignore family health insurance until a family member falls ill and hospital bills and medical expenses pile up. An emergency can occur at any time.

Health Insurance and the Hospital

If you are self-employed, look for a company that offers an extensive health insurance coverage, and at the same time would not make a big dent in your pocket. Remember that spending a day or two in the hospital can be very costly. You should make sure that you have ample coverage.

In the end, the major purpose of health insurance is to cover medical expenses and any lost income while you are not well and unable to function normally. That is why health insurance may be vitally important to you.

Copyright 2007 – Dan Theron. All Rights Reserved Worldwide. Reprint Rights: You may reprint this article as long as you leave all of the links active, do not edit the article in any way, give author name credit and follow all of the EzineArticles terms of service for Publishers.

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As I reread this article that I posted in 2007, albeit little has changed regarding my view of co-dependency, such a deeper understanding of the harm the co-dependent creates for it-self and the depend was revealed.

“O” you don’t like that? But it’s good for you” Most children have no concept of what is good for them, in fact with out an incentive towards good health, most kids could care less. All kids want is what they like, and if you tell them they don’t like something, as the above scenario demonstrates, you set them up to fail.

We create; we mold their behavior with our demeanor and what we model for them. If you wish for a child to do the right thing, model the behavior, give them no other option but to do the right thing.

If they refuse to eat the veggies, then always put them on their plate, and nothing else. When the veggies are gone, allow them to eat, within reason, whatever more they like. Kids will not let themselves starve, but if you are foolish enough to allow them to, they will play on your emotions.

After raising two daughters with a co-dependent who did not support my efforts, but rather undermined all I did, I then remarried. With this woman’s support we raised two foster kids together, until the system felt their drug abusing parents finally had the minimal amount of clean time in order to try their hand at parenting again.

After this, rather gut wrenching, but rewarding experience, I then wrote the following article.

“Who’s protecting Our Children?”

There should be as many different techniques to raise children, as there are different types of children. Because each child is as different as a finger print, I do not believe that anyone has the perfect solution. I am not sure what truly works with all children, but I do know what does not work with all children.

The old school phrase, ‘Spare the rod, spoil the child’ I believe is often taken out of context, many don’t seem to have a clue. It has been my observation that many have the misconception that children are born naive, and it’s their environment which turns their hearts rebellious.

The source of our being whom I chose to call “God” said let the little children come to Him because I believe He knows that children learn how to manipulate at a very young age. Think about it, when we were infants what did we do when we were hungry? And what was the payoff? Manipulation became our survival. So what works as an infant, if allowed to continue, sets a child up to fail in the real world. When was the last time your boss gave you a raise for whining?

Therefore, their further development must be done by the loving exorcism of one rogue spirit at a time. First we must rid ourselves of the rude and crude MTV mindset that feeds our children’s psychosis!

I believe the rod of correction is God Himself, and without Him as our ethical guide, children will continue their wave of chaos. The Scriptures continue to say, a father who refuses to discipline his child does not love his child. I will add to this sentiment; that any one who refuses to remain faithful to his child’s other parent, does not truly love their child.

Our Creator has made caring for an infant relatively easy. However, it has been my observation that the skills required to raise a productive member of a society requires a strong resolve. A resolve that not all have obviously been granted!

If a parent/guardian, or P/G for short, is unwilling to follow through with a sanction imposed on a child, they are an unauthorized authoritarian, or U/A. Children require consistency and protection from themselves and others. Period!

God plants His seed in each child at conception, however, it is for the P/G to allow Him to nurture that very small seed and remove the weeds that choke it. Every garden has weeds that must be removed.

I have never known a two year old that did not think he was the boss of the house at some point in his development. However, I have witnessed too many P/Gs feed this chronic monster! It is no wonder why most women today dread taking their kids to the store, between the media and co-dependent role models most kids act like monsters in public. They know you will not swat them in public, because they know you fear reprisal.

Hey, if a kid who thinks he is the boss of my home steps to far over the line after being warned, he or she gets a swat on the leg. If the child tells me they are going to tell on me, they get handed a phone.

Soon after a child begins to have cognition that they are separate entities from their mother, sexual desires and violent behaviors begin to manifest themselves that demand they begin to manipulate for the control of everything and everyone around them.

Because havoc sells products, the media is designed to continue this rebellion through televised visions of soft porn, vanity, greed, and violent entertainment. These products compounded with an alcohol and other drug epidemic is the root cause of infidelity, thus, the root cause of divorce, and divorce is the leading cause of children becoming unruly!

Divorce or the lack of both, a male and a females direct involvement in a child’s development is a slow death for children. Any uncertainty causes both, mental and physical harm to children.

Divorce is the root cause of children being sexually exploited and neglected. Most men have difficulty sexually exploiting a child who’s been under his protection from birth. However, a stepfather, or a live in boyfriend is rarely granted a healthy bond with a step-child. In fact statistics tell us that 85% of step fathers will sexual exploit a step child.

Therefore, as long as women are encouraged, almost expected to dress promiscuously on the street or even seen on TV parading around in their underwear, young men’s hearts will continue being led astray from the security of a one man and one woman lifestyle, and the young boys learn that women are to be sexually exploited further.

As long as our society allows the sexual exploitation of people, people will allow themselves to be sexually exploited. If we allow our daughters to dress like whores, they will be treated as such, and they and their children will continue to suffer grave sexual improprieties!

Many appear to have the misconceptions that gays and lesbians are living in defiance of their Creator. It has been my observation their defiance is often the byproducts of others lack of sexual boundaries, or these have received improper guidance that has encouraged their unnatural behavior and desires. Therefore, gay lifestyles are not a choice, but rather, are a social mental health illness issue that can, and should be treated as such.

Gays and lesbians are not bad people, but rather, any form of gross sexual impropriety is destructive to everyone influenced by it. Therefore, just as substance abusers and U/As must not be allowed to raise children, nor should anyone living an extremely unnatural lifestyle.

The Scriptures make it very clear that the pain of anything unnatural will visit the children to the second and third generations! Therefore, no matter how much the liberal mindset hollers, we all know what unnatural is or there would be no debates!

U/As often give children what they want, and too often not what they need. Children will always love their mentors, good, bad, or indifferent, however, if their role model wishes for a child’s respect, they will give them what they need; protection from the influence of this, a dysfunctional world, and protection from societies misplaced ideals.

If children are not taught to love themselves through self respect, they will not learn to respect the views of those who disagree with them, thus will not learn to respect God, thus, recreating more shame and uncertainty for themselves. Children must be taught to love, even for those who they do not respect their views.

It appears that many U/As wish to be a child’s buddy first, so the role of disciplinarian is often compromised by confusing boundaries. First earn a child’s trust, only then can you call yourself a parent who has earned your child’s respect.

Some children appear to learn by redirecting them towards more appropriate behavior. However, others only appear to understand a consequence for inappropriate behavior. Our job is to realize the difference in the multi personalities our Creator presents to us.

Fear and boredom appear to be another cause of chaos in children. Therefore, one of the most difficult aspects in aiding any unruly person towards compliance is learning the art of thinking ahead of them. This allows one to think ahead by what is said, and the message that children hear.

However, it is often difficult for a prideful man to maintain a calm demeanor while disciplining a child. The gift of patients is not granted to everyone, and certainly not always to me, but this, more than anything else is what prevents one from becoming unruly themselves.

Utilizing violence to control children only teaches children violence to control others, thus should only be used as a last resort. Time outs appear to be effective, but often do carry much weight with all types of people. The new age philosophy calls for time in’s.

Yes, I agree that it is extremely important to keep kids close to us; however we must never reward poor behavior even when we know the child is misbehaving because they want our attention. One must try different methods to find the one that helps teach children to get what they need without becoming unruly, or the child will use unruly exclusively.

However, black and blue will never do, whereas, love and calm words of encouragement and, if the child will not hear the voice of reason, as a last resort a little hot pink given by a loving hand on a clothed backside will service a self-willed child quite well, but only if reinforced with a loving explanation. Do not fear reprisal from social services, but do fear a child who does not learn to control their emotions or disrespects themselves or others!

As soon as a child learns to clean-up their own messes, they quickly learn not to make them. A parent who continues to clean-up their children’s messes, or denies the existence of the mess, will always be cleaning up their children’s messes.

There is a fine line between abuse and admonishment, co-dependency and compassion. However, it has been my observation that many people do not appear to realize that over-indulgence and co-dependency is child abuse!

Again, the bottom line for children is; ‘Never reward poor behavior’ I have lived long enough around kids to witness those who have refused to hold their children accountable for naturally occurring inappropriate behavior have often witnessed their children labeled adult/children, or A/C, and in handcuffs.

If a child’s consequence for improper behavior is more painful for the P/G than for the child, the child is being nurtured, thus allowing them to produce healthy children of their own. Our Creator will hold each of us accountable for what we teach our children!

Many children are lead by society’s misplaced ideals they have rights they do not have to earn. Many of the A/C I have worked with in recovery centers grew up with the misconception they have the right to drive a car, and to live as they wish. Most had been allowed to be the bosses of their homes. Comprehending the word “No” was often not apart of their vocabulary.

Because there are so many children from broken homes or have been raised by U/As, our brat camps, recovery centers and prisons are quickly being filled to their maximum capacity, with little resources to build more, or qualified people willing to staff them.

It has been my observation that most children must be taught to realize the difference between rights and privileges. They must be taught that privileges can be removed if not respected. A safe environment, physical and mental nourishment are children’s only rights.

When children are not taught to earn privileges, they become complacent, and complacency often lasts a life time, making the child’s life difficult into their adult years.

The problems we face when we belittle children is, one day they will believe the insults are true and belittle others to feel better about them selves. If P/Gs do not learn to express their differences in a productive manner, children learn to do the same. Therefore, before you act out in frustration, ask God for intervention.

Children who are not taught how to express their emotions in appropriate ways often grow-up to be violent A/C. It has been my observation that P/Gs who raise children, A/C are the byproduct. However, those who raise children to be responsible for their behaviors, produce healthier adults.

P/Gs must learn to see around the corner! They must realize that if a child discovers a tactic to get their own way today, they continue to use that same tactic tomorrow. Therefore, P/Gs who allow children to raise themselves, do not realize the impact of self-will.

Those who continue to teach their children they are not created by divine intervention, but by chance, will continue wondering why many children behave like unloved rabid animals.

Therefore, any media that teaches children blatant disregard for law and order through violent video games, and the like, must be forced to educate P/Gs of the pending dangers, or it is they who must fund social service programs, and provide the treatment centers for the unruly they have created. And the producers of pornography, vanity products and their advertisements must be held accountable for all mental health and sexual crimes that are committed against our children!

Men protect your daughters, even from their sibling’s sexual advances. Stop your sons from striking their siblings at a very early age, or you may be the one he learns to strike! Women teach your daughters to respect themselves. If you dress like a whore, your daughter will learn the same, thus, leaving on open invitation for sexual deviancy.

Fear not a child who does not like you, but fear a child who does not respect you! It is never too late in the day to start over with an unruly A/C. However, it must first start with you! Ask your unruly A/C to forgive you for being a U/A. Explain your mistakes. Ask God to heal the wounds inflected by your poor management skills.

When your children see you, do they see you as God’s representative on this earth? The main theme of God’s written word teaches parenting skills. After all, Who has more strong willed brats than our Creator?

If we wish to view a society’s dysfunction, view its children, as children only mimic what they witness! Again; raise adults, not children, or your off-spring will raise A/C!

I now wish to share that deeper understanding, and the endless possibilities.

Travis
@
2012 Consciousness Shift Resources

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No matter whether you are an expert or not, when it comes for cooking there should be a cooking class located in your locality so that we can improve our cooking skills more and more. Amazingly many people are utilizing the opportunity that they get as far as cooking classes are concerned. So it’s always good to join any classes taken on the topic of cooking.

Many institutions have come forward to conduct the cooking classes during night or weekends and the rates are normal. These classes are deals with the basics that teaches the women the basics of cooking that can help to prepare a healthy food for their food for there families. If you are interested in joining these classes then you must refer the local library for the possible chances for these classes in your area. Even though if they do not give all the information they will guide us in the right direction. So never miss any class relating to cooking.

When we wish to classes to with our children then we need to seek the help of the library for some initial ideas. Many government cooking classes that conduct some courses for parents with their parents with their children. This is a great chance for the parents to mingle with their children and learn the course to gather and prepare a nice dish together. Things will be surprising when they are learned from their children and from the classes that you attend.

People who are in need of some experience in cooking they should attend some cooking classes in order to gain experience and reach the goal that they dared to dream. The chances of learning Thai cooking are more in cities than small towns though they do not exist. If you really like to cook you need to look for cooking classes in vacation so that you will have some basic idea of what cooking is all about. If you some other idea other than cooking then try to attend one class related to cooking. This might change your mind and the experience that you gain will always remain in your mind

We can also try to take a class for couples if we want to try something different. These classes conducted in both cities and small towns. The main motive behind this idea is that some one can take up the work of cooking. The theme is that there are many ways to keep the art of cooking interesting forever. So cooking is an art that entertain us and other people as well.

Cooking might be selected for no reason the fact that hides behind this that cooking not only entertain us but also increases the cooking atmosphere in the kitchen. At present you have lot of time to take the cooking classes if you have not conducted cooking class till now. Though you are well versed in cooking there are things that needs to be learned in cooking.

Abhishek is really passionate about Cooking and he has got some great Cooking Secrets. up his sleeves! Download his FREE 88 Page Ebook, “Cooking Mastery!” from his website http://www.Cooking-Guru.com/770/index.htm. Only limited Free Copies available.

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Best Fish Tank Fish

Dec 5, 2011

Introducing a new fish to your aquarium does not need to be difficult. Most of them that are commercially available have already been moved a number of times in their lives and are adept at quickly adapting to a new environment. Before the process of introducing a new fish even begins, one must research a fish’s natural environment. Only if this environment is in line with the conditions in your tank can the introduction be successful. There is no amount of preparation that will enable one to live outside its preferred temperature range or lighting conditions.

Freshwater fish tank fish require the least amount of time for acclimation. When adding them to a tank that already contains a number of fish, one must simply allow the bag in which they are transported to float for 10-20 minutes in your tank’s water. This will enable them to gradually adjust to the ambient temperature of the tank and avoid drastic temperature changes that could be potentially harmful. As the fish will be floating near the top of the tank, be sure to turn off tank lights to avoid heating the bag and reduce the amount of stress on the fish.

After the water within the bag has had a few minutes to adjust, begin adding small amounts of aquarium water to the bag in which your tropical fish is swimming. Each addition should be followed by more adjustment time. This will give the fish time to get used to the water quality of a tank. Another 10-15 minutes or so and the fish will be ready to be introduced to the tank and the rest of the fish population.

Do not dump the bag containing the fish tank tropical fish into an aquarium. The fish should be removed from the bag with a net designed for this purpose, and quickly deposited into the tank. The water in the bag should be discarded to avoid affecting the water quality of the tank.

Salt water fish tank fish can be introduced with the same methods, but the amount of time they are allowed for acclimation should be much longer. When adding water to the bag in which they were transported, the water should be added very gradually. They should be given as much as an hour to adjust to each addition. Through this may seem painstaking, it is vital to ensuring a successful transition.

Be wary of adding too many new fish at a time. Beginners should only add two or three fish every few weeks to maintain tank stability and fish health.

For more great information about Fish Tanks, please visit Fish Tank Fish. There you can find more information about different types of fish tanks, fish tanks fish information, fish tank stands, and more!

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