The steep rise in the prices of all commodities has become such a crucial problem that people are always on the look out for places where you can purchase goods cheaply. Pet owners are a major clan who also bear the brunt of these issues as pet supplies are very expensive. To try and purchase pet-supplies at a discounted rate has become very popular and the main means of doing this is through pet discount coupons online.

Given below are some tips which will help you to purchase pet products at a discounted rate.

• Make it a point to get good quality pet supplies – Never settle for low quality stuff which may be less expensive. The net result will be that it will turn out to be hazardous for your beloved pet and you will finally have to dole out a big amount for the visits that you make to the vet. It is not the quality of what you buy for your pet that has to be altered, but the means of purchasing it.
• Buy pet-supplies at a bargain during the winter months from your nearest pet shop as majority of these shops indulge in a clearance sale in winter. So look around and you will come across pet discount coupons which will aid you in buying goods at a subsidized rate.
• There have emerged numerous online sites which offer wonderful deals for the supplies that you have been looking for. Online pet shops can provide you with pet supplies at cheaper rate as they do not have to bear overhead expenses like taking care of a shop. Another great advantage is that these online stores get pet supplies at a wholesale rate and sell them even singly at wholesale rates.
• eBay and Craiglist are other places to look for purchasing pet-supplies at a discounted rate. There may be people who have may be selling off second hand pet supplies which may be procured at a bargain. This is one of the best sites where you will get extremely affordable pet supplies.

A little researching on your part will make you realize that there are online websites available from where you can buy pet products at an extremely reasonable rate without even venturing out of your home. This is a great advantage as you do not need to waste your precious time searching out for the best deals or waste your energy either.

Today’s world is one where internet is the primary market and all you have to do is just log on to a pet supply site which will bring anything you want to your doorstep at extremely reasonable and affordable rates.

Using pet discount coupons can save you a lot of money when shopping online for pet-supplies. To find more such coupons you can visit http://discountcoupons-blog.com.

The old myths are shattered. You’ll be introduced to fly fishing in an entirely different way. Fly fishing is no longer considered difficult to learn or expensive to participate in. You’ll soon come to realize that this sport is easy to learn, and will reward your efforts with many fantastic days on the water!

Learning to fly fish is an excellent way to utilize all of the natural resources that are available to everyone — world-wide. Oceans, streams, lakes, bays and estuary’s literally teem with game fish, and are easily accessible . By learning to fly fish, you will enjoy the natural world around you, get some easy exercise, relieve the strain of everyday life, and even better, there are no greens fees or country club dues – no membership tab, and no lines to wait on!

Here’s the list of myths:

1. Fly Fishing is difficult

Fly casting will take a few practice sessions to become proficient enough to hit the water — but that’s all you’ll need to get started. Why not take a look at some online fly fishing lessons (see the resources section at the end of this article) — then practice in a park, your backyard or another private place. Hit a lake or pond, where you won’t find many obstructions behind you to get in the way. Catch a few pan-fish, learn to land fish – now you’re ready for the stream, ocean or wherever you’d like to fly fish!

2. Fly Fishing is expensive

It simply is not. Fly fishing can be expensive if you spend a lot of your hard earned mullah on premier, top of the line (dare say – overpriced?) fly gear. Don’t go bottom of the line either – inexpensive equipment is hard to use because inexpensive materials are heavier and not as stiff as quality graphite. Very inexpensive gear simply does not hold up to rugged fishing use – and we are rugged, aren’t we?

So — look around. There are some great deals on beginner fly fishing outfits — don’t let the word “beginner” scare you away. This gear is not only fairly priced, but the rods are specifically designed to be easier to cast and will last a long time if you take care of them. Take this from a fly fisher that broke his very first (and precious!) fly rod in the hatchback of a Toyota Celica! Some fly rod outfits even come complete with a protective rod & reel traveling case!

3. You can only Fly Fish for Trout

You get the picture. Trout stream, pipe in mouth, tweed jacket, leather patches, wicker creel…

Wrong. Today’s fly fishing is so much more exciting than that (but if the above excites you – by all means – knock yourself out!).

I took up fly fishing in my early twenties as the result of a childhood memory of my father and other fly fishers on the famous Beaverkill in Roscoe, NY. Let’s just suffice to say that there was a lot of tweed and wicker in the ’60’s. Today the world has changed! Now — picture this forty-something year old with his wife on the flats in the Florida Keys hunting down barracuda, bonefish and permit. All tropical, all cool, all hot, we were fishing machines — it was everything you’d ask for in the excitement department!

Species: so many – let’s see, OK – trout, bass (large-mouth and small-mouth), carp, pike, pickerel, perch, sunnies, crappies, steelhead, salmon (many varieties – and Lox is not a variety of salmon!), then there’s striped bass, bluefish, false albacore, bonito, weakfish, bonefish, barracuda, permit, mangrove snapper, snook, Spanish mackerel , jack crevalle. Oh the list goes on! But I’ll stop.

4. Fly Fishing has to be done in Exotic Locations

Although the Florida Keys are very nice, as well as New Zealand, Christmas Island, Belize and the like…

There are so many places close to home that can and will provide you with the total fly fishing experience. Your local park probably may have a stocked pond. That pretty little stream with the bridge that you cross every day — may be a trout stream. The beach that you take the dog to for a run — there are fish to catch there! Fly fishing is a great sport in that it enables you to open your eyes and enjoy the world around you.

Then again, a vacation sounds nice too!

Places: rivers, streams, creeks, brooks, tributaries, lakes, ponds, farm ponds, Atlantic Ocean, Pacific Ocean, bays, estuaries, jetties, flats, reefs…

5. You need a PhD in Biology to Succeed

You won’t need a PhD in any subject to succeed in fly fishing! You might think so after conversing with some fly fishers. The reality is that you can over-complicate this sport as much as you’d like. Yes, here are times that fish are selective (won’t take the fly you’re fishing) — but in most cases you can dupe them with a selection of about two or three flies properly fished.

6. You have to be an Olympic Athlete to Fly Fish

Just as in any other sport, you can participate to the level of your physical abilities and derive complete enjoyment! Groups continue to build handicap access sites on streams and lakes — all over the US (and worldwide), and you can find a location to fly fish right outside your car!

7. You can’t learn to Fly Fish on your own

Many have, and many will. Guides, fly shops, fly fishing schools and the like will try to convince you that you’ll need those expensive lessons to get started. We disagree. And here are the key words — “to get started”. There are so many great resources for the beginner fly fisher — just read a little, online or off, and get out on the water and fly fish!

8. I thought you had to attach a real live fly to the end of the line

Negative. Fly Fishing is all about imitating fish food with a hand-made “fly”, often constructed of fur and feathers, but can also be constructed from man-made materials. The key here is imitating the natural food of the species of fish your are fly fishing for. For instance, saltwater species often feed on small minnows — and saltwater “flies” often imitate small fish or minnows.

9. I can’t do it, I tried once

Here’s the thing about fly casting: You are not casting any weight at the end of the line as with a spin rod. You are casting the fly line itself. Here’s a simple analogy: pretend that you are holding a stick with an apple pushed onto the top. You want to toss the apple across the room to your friend. You would have to swing the stick and abruptly stop the swing to let the apple fly off the top of the stick and hurl across the room to your waiting friend. Just imagine now that the stick is your fly rod, and the apple is actually your fly line. Fly casting is much the same as the analogy: your forward cast will start, just as when you swung the stick, and then stop abruptly to allow the fly line to hurl forward. See the resources at the end of this article for a cool animation that you can view, explaining the basics of fly casting.

10. You have to cast really far to catch fish

Most fish are you’ll be targeting are within 30 ft — or, you can get to within 30 ft of them. To cast to a fish this far away, you only have to be able to cast 21 – 23 ft of fly line, taking into consideration that most leaders (your terminal tackle) are 7.5 to 9 ft. We know, for certain, that with one or two practice sessions — you’ll be casting at least that far!

AnglerUniversity.com [http://www.angleruniversity.com] is an online resource for beginner fly fishers that combines online fly fishing lessons (with animations, video, and photos) with a fly shop that offers fly fishing combos, fly rods, fly reels, and accessories. Check out a couple of the resources below for fly fishing information and gear. When you’re ready to fly fish — make AnglerUniversity.com your first stop on the Internet!

I’ve included a couple of resources for you to check out:

Online Fly Fishing Lessons [http://www.angleruniversity.com/enroll3.asp]

Basic Casting Animation/Lesson [http://www.angleruniversity.com/lessons_intro.asp]

What is the cover offered on group health Insurance policy?

Group health Insurance plans can be defined as an insurance coverage through an employer or other entity that covers all individuals in the group.

Group health insurance is something that everyone wishes they had since groups get better rates than individuals when it comes to health care (insurance in general). Many people who are self employed or want the best rates incorporate to give the insurance company the look of a larger corporation and they try to obtain cheaper health insurance rates. Group insurance is discounted when compared to individual health insurance so getting on a group plan is a plus. Keep in mind that group insurance is just part of the equation. Deductibles, co pays, and other variables go into the rate you get, so individual health insurance or family health insurance may be just as affordable in the long run.

A group health Insurance policy is an Insurance cover which is arranged by an employer for his employees. This type of Insurance cover enables the employer to pay only part of the premium for the Insurance policy covering his employees.

Essentially Group health Insurance plan is an Insurance policy applied for by the employer to cover his employee’s medical expenses. Formerly an employer was expected to 100% employee benefits but now an employer only has to contribute just a part of the employee’s insurance premium.

With the new law passed by Congress, the employee’s net expenses for the group health insurance policy have been greatly reduced.

How can businesses benefit from this policy?

It is a well known truth that group health insurance plans are greatly valued by employees, most employees even place group health insurance policy second after monetary compensation. Organizations who have in place such policies have confirmed that group health insurance policies have enabled them employ and retain the best hands in their business. Employers are not left out from enjoying the benefits of group health insurance plans; most employers have not yet purchased health for themselves. They stand to get a better and cheaper insurance plan if they purchase Insurance via a company than if they were to purchase an individual health insurance policy.

A group medical insurance policy offers an additional special bonanza in the form of tax incentives for the employer and employees. For instance, as an employer you stand in a position to reduce your payroll taxes, but providing your employees with group health Insurance as part of a whole payment compensation package, thereby deducting 100% of the premium that you would have had to pay on a qualifying group health insurance plan. Also your employees would be able to pay their part of their monthly premium using pre-tax funds.

Although an employer is required to pay some percentage of an employee’s individual premium, which ranges from 25% to 50%, depending on the state’s laws and the insurance company. Also, if the employee wants to extend coverage to a spouse or dependent, the employer may choose to pay a percentage of that cost, but is not required to do so. Without ant question group health insurance is the most affordable health insurance available today, so if as an employee you’re given that option, you should really consider it, Often, spouses and children can be included under such a plan.

What are the factors you need to watch for a good group health insurance policy?

Employers may choose to offer free-service insurance plans, preferred service supplier or a health maintenance plan. Available on the Internet are group health insurance instant quotes, most health insurance organizations also provide group health insurance quotes via their network of agents in addition of making it available for visitors to their offices.

One of the factors an organization need to watch out for in a group health insurance policy is the bottom line. It is no more or less than simply this: group health insurance is less expensive than a couple of individual policies. This is the truth. But, it still is not cheap, in fact no health care program in America is.

Employers may use the guidelines below to select a health insurance plan that meets your needs:

• Study the websites and brochures of the health insurance companies you have short listed to engage.

• Make a comparison of their services, costs and what they pay.

• Find out if there are services or illnesses that are excluded from the policy.

• Take notes of the starting and ending dates of the insurance policy.

• Check to confirm when the cover starts as some health insurance companies only cover you from your third payment.

• Stay away from policies that limit your choice as to whether you can choose a period to stay with them.

• And finally stay away from any group health insurance policy that only covers limited diseases.

Employers are encouraged to choose Group health insurance plans that suits their needs, whether it is the preferred service supplier, traditional insurance cover or the health maintenance plan.

Kingsley Duru has an BSc (Banking & finance). Insuranceavenue.info offers our visitors the best of Insurance articles, review and endeavors to find the best possible deals for our customers. To find travel insurance [http://www.insuranceavenue.info], long term care insurance, business insurance visit Insurance Avenue [http://www.insuranceavenue.info].

The word tractor originated from the Latin word “trahere,” meaning pull. Today, tractors are used for drawing in, towing or pulling objects that are extremely hard to move. You commonly see a tractor on farms used to push agricultural machineries or trailers that plough or harrow fields.

The first tractors from the 1800s and early 1900s, were powered by steam engines. These tractors were phased out due to the instability of the steam engine that caused explosions, or trapped the driver in a belt driven attachment. The successors were built with an internal combustion engine.

Modern tractors are built with a rollover protection system (ROPS) that protects the operator from being crushed in the event that the vehicle rolls over. It was the New Zealand legislation that first required the ROPS to be built-in to tractors in the 1960s. Before this system was required, many farmers were killed in accidents when the tractors rolled on top of them, crushing them in the process. Usually these accidents happen when tractors were driven along steep slopes.

Technology has found its way into modernizing the tractor. Nowadays, you find Global Positioning Systems (GPS) and on-board computers attached to farm tractors. With the use of advance technology, corporate-scale farms are using a combination of unmanned tractors and manually driven vehicles to plow through fields.

Aside from the standard farm tractors, there are other types of tractors. There are the backhoe tractors used for construction, small demolitions, and light transportation, powering building equipment, digging holes, breaking asphalt and paving roads. Tractors can also be fitted with engineering tools for construction purposes. Road tractors that are often used for freight transfers are also available, and locomotive tractors are used in railway vehicles. Artillery tractors used by the military to tow artillery pieces can also be seen.

Tractors provides detailed information on Tractors, Tractor Supplies, Tractor Tires, Tractor Supply Companies and more. Tractors is affiliated with Trailer Hitch Accessories .

For skiing or snowboarding enthusiasts, snow ski goggles are an essential item within the protective apparel needed for the sport. They are both a safety attribute and help to enhance your comfort whilst enjoying the slopes – not to mention they can look really stylish too! There are many types of snow goggles with special features to suit your individual style of riding, your location and the conditions of the weather on any given adventure. Through wearing goggles, you eliminate discomforts and safety hazards that can hinder the amount of fun you can have taking part in winter sports – which means that choosing the right pair is worth your consideration.

There are three main things to think about when choosing the best snow ski goggles – the fit, frame and the lens features. Taking a look at the fit first, goggles should always be snug and never loose or too tight – almost like when you would look for the right size snow-boots. You will likely wear a hat or helmet when active on the slopes, so it is important to take this into account and try to fit them whilst wearing your chosen hat/helmet. To the front, the foam that protects your face from the frame should feel the same throughout – there should never be a spot that feels particularly tight or loose. For those of you who must wear prescriptive glasses, make sure that your goggle will also accommodate their presence.

The frame of snow ski goggles is another important factor when choosing the right pair for you. In any case, the goggles should be of good quality and the frame will have some flexibility. Double check that the frame has air vents; they are covered with foam but allow for air circulation and a clear view (no fogging up!)

Finally, the lens should be of a good standard and the best will have a double lens feature in their snow ski goggles. There will be less chance of fogging and a better thermal barrier. The chamber between the lenses should be fully airtight to prevent any mist collecting on the lens. From the materials that are used for this purpose, polycarbonate lenses are considered to be the best quality for all winter sports. A coating is also a good feature to some of the better quality snow goggles on offer – look for those that guarantee protection against scratching or distortion.

There is another feature to choosing snow ski goggles that can be a determining factor to the choice you make. The colour of the lens can make differences to your riding and may offer better vision in certain weather conditions. A clear lens is often used for night riding or in severe weather conditions for a clear vision. A yellow lens will help on darker days when you need more contrast and to brighten up the view.

Pink coloured lenses are an all-rounder and work well for most conditions – if you need one pair at a reasonable price then they might be the best option. There are some lenses that will change colour called modulator lenses – these will be helpful if you expect a change in weather conditions or if you will be out the entire day. The other option is polarized snow goggles that help to reduce the glare from bright light and snow.

Nicole Roberts
Are you overwhelmed by sites with thousands of sunglasses? We’ve done the research and weeding out for you. We’ve scoured the planet to find the best snow ski goggles at fair prices. Extreme Sports Sunglasses takes pride in presenting Survival Optics Sunglasses, Where High Tech Doesn’t Mean High Prices.

Children’s bedroom furniture and nursery furniture can help turn a bland and boring bedroom into a fun and cozy retreat. Since there is a wide range of designs and materials available, you can find the perfect children’s furniture for your child’s bedroom, whether you prefer a whimsical decorating style or practical, sturdy pieces.

If you are shopping for furniture for your infant’s nursery for the first time, you may be surprised by the many types of furniture available. You can buy a few pieces to tuck into a corner of an older sibling’s bedroom or you can shop for entire sets so that you can create a comfortable, furnished nursery.

Cribs are usually the first piece of nursery furniture parents shop for. These versatile baby beds come in traditional Jenny Lind designs or more modern styles. Some of them can be converted to toddler beds for added value. Designer cribs are available in a wide range of designs. You can even find round cribs instead of traditional rectangular cribs. However, don’t forget to take a look at bassinets, cots, cradles, and Moses baskets, as well. These smaller beds are perfect for newborn infants, since parents can easily move them from room to room.

Changing tables, armoires, bureaus, rocking chairs, gliders, toy boxes, and accessories such as lamps, are also available. While you are shopping, look for well made furniture pieces that can grow with your child. For example, some changing tables will convert to child size bureaus.

For your older children, you can find several types of beds. Toddler beds, twin beds, and bunk beds are all readily available. Day beds are a great way to add seating and entertaining space to your child’s room during the day. For additional flexibility, look for beds that come with drawers underneath them for added storage. If your child has frequent guests, you may want to look for beds that can be used with a trundle bed.

Older children will also need other furniture for their rooms. Bureaus, bookshelves, and armoires help keep clothing and collectibles organized and will make it easy for children to keep their rooms tidy. Desks and desk chairs are important additions to the room for school aged children. Your younger children may also need a desk so that they can do crafts in their bedrooms.

Finally, don’t forget to ask your children how they feel about the pieces you decide to buy. After all, your child will be spending quite a lot of time in their bedrooms.

Matthew Anthony has contributed to many sites such as garden furniture and childrens furniture.

The very nature of managed care health insurance plans increases the likelihood of a legitimate health insurance claim being denied. Bear in mind that managed care (health maintenance organizations, or HMOs, and preferred provider organziations, or PPOs) exist for the purpose of controlling costs for the health insurance company. Many health care procedures, surgeries, durable medical equipment and drugs, particularly the more expensive ones, require prior authorization from the health insurance plan before the plan will pay. Claims are reviewed to determine “medical necessity” of the claim. Health care services or products deemed “not medically necessary” will almost certainly be denied for payment by the health insurance plan.

Health insurance companies do make mistakes, however, and it’s certainly possible that a covered expense will be denied. What recourse does the health plan member have when one disagrees with the decision of the health plan? Here are some steps to take in dealing with a denial of payment.

1. Review the explanation of benefits (EOB) sent to you from the health insurance company. The EOB should state what services or goods were billed and briefly why benefits were denied.

2. Review your particular health insurance policy. What benefits does the health insurance policy state for the particular service or product? Should the claim be covered according to the policy?

3. Does the health plan have special criteria to be met in order for an particular expense to qualify as “medically necessary” and be considered a covered expense? For example, many managed care plans will cover drugs on their formulary. Other, nonformularly drugs may not be covered at all, or may be covered only if the formulary drugs have been tried and failed. An expensive MRI procedure may only be covered if certain symptoms are present. Check your policy to determine whether the expense qualifies as “medically necessary” by the health insurance company. Your health care provider must submit sufficent documentation to the health insurance plan to justify the need for the expense.

4. Is the health care provider “in-network” (contracted) with your health insurance plan? If not, does your managed care plan cover “out-of-network” (non-contracted) providers? Most HMO plans do not cover “out-of-network” providers; many PPOs will pay for services by “out-of-network” providers, but usually at at lower rate than paid to “in-network” providers.

If, after reviewing the health insurance policy and the EOB, you feel that the claim should have been a covered benefit by the insurance company, you should first request in writing that the insurance company provide you with the information that they used to base their denial of benefits. The health insurance company is required to provide you with this information on request. Review this information carefully. Many times the health insurance company was not provided with appropriate or sufficient documentation from the provider to justify the claim. If this is the case, contact the provider and request that they submit more medical records that support the claim for benefits. It may also be helpful for the provider to write a letter to support the claim in addition to the medical records. Your claim may be resolved in this manner.

All health insurance companies have a process in place by which plan members can appeal the decisions of the health insurance company. If providing further documentation does not resolve the dispute, then an appeal must be filed with the health insurance plan. Your provider may help you with this, and they may not. Read the member handbook and/or policy and follow the procedure for appealing the denial of the claim. Be prepared to submit more documentation to support your appeal. Keeping a record of all interactions with the insurance company is vital. Record all phone conversations and include the name of the person you spoke with, a brief summary of the conversation, and the date and time. File all correspondence sent and received, and have it readily accessible.

Bottom line is that health insurance plans are “for-profit” entities; in business to make money. They look for reasons not to pay. Indeed, their goal is to not pay, increasing their profits and keeping costs down for the members. It’s up to you to ensure that legitimate claims for covered benefits are paid.

Ms. Lowe is a health care professional with 30+ years experience in the health care field. She holds a graduate degree in health care. She is also webmaster for Health-Infosource.com [http://www.health-infosource.com/health_insurance_hmo.html], a website dedicated to disseminating health information to consumers.

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

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

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

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

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

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

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

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

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

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

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

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

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

When preparing food for the grill, the greatest challenge for home cooks is that grilling is an intense form of direct heat cooking, and controlling the heat can be tricky. Although most people see it as easy, grilling is actually one of the most challenging of the basic cooking methods. If cooking is like driving a car, grilling is like being strapped to a rocket ship! Now more than ever, creative home cooks are looking for the best cooking tips for gas grills. As the weather starts to get nicer and the great outdoors beckons, attention starts to turn to outdoor cooking – and gas barbeque grills can’t be beat for simplicity and convenience. But grilling only becomes EASY when you know these important cooking tips for gas grills that are guaranteed to improve your results. Grilling, like any basic cooking method, can be mastered. These cooking tips for gas grills will get you started on the road to expert grilling any time of year.

Preparing Recipes for the Grill

Cooking all recipes for the grill starts with understanding how the grilling method acts differently on different types of foods. Because grilling is an intense heat form of cooking, careful product selection is extremely important. The grill will not tenderize meats so you must start with a tender product if you want to end with a tender product. Marinating meats when making recipes for the grill is the best way to apply some tenderizing properties before cooking. The product itself is also an important consideration because you want to make sure it will be able to withstand this form of direct high-heat cooking. Different products will handle this differently and some are just not the best choice for standard grilling. A very delicate fish, such as tilapia, will not perform very well on the grill because the high heat may burn the outside of the fish before the inside cooks at all. Another consideration is when grilling combinations of different foods, as in skewering vegetables. A mushroom will cook faster than a carrot or potato, for example. You will achieve far better results by par-cooking the “harder” items prior to skewering so that all vegetables are the correct done-ness at the same time. Once you have considered the differences in the types of foods you will be grilling and preparing them accordingly, the basic procedure for creating recipes for the grill is:

1. Heat the grill on HIGH with the lid closed to heat up the coals and grates to as hot a temperature as possible.
2. Brush the food item with the oil of your choice and place it on the hot grates – presentation side (“pretty side”) down.
3. For GRILLING, leave the grill cover OPEN.
4. After a few minutes inspect the item. You are looking for the item to start to brown around the edges and to see pink (almost clear) moisture bubbling up to the top. This will be your signal that the item is 75% cooked on one side and that is the time to flip it.
5. Do not use a fork to flip the item and do not puncture it in any way – because that will allow precious juices to escape.
6. Using an instant-read thermometer – because this is the only real way to know when something is done – remove the item 5-10 degrees BEFORE the desired final internal temperature.

A Gas Grill Cooking Twist

Although GRILLING is always done with the lid cover open, gas grill cooking can incorporate additional cooking methods that make it preferable to cook with the grill cover closed. With the grill lid closed, the grill changes from a CONDUCTIVE cooking vehicle to a CONVECTIVE cooking one – more like your oven. Of course you could just use your oven for using these cooking methods, but outdoor cooking does have some advantages over indoor cooking – particularly in warmer weather. So how do you turn your dry heat, direct source cooking vehicle (the grill) into one that can utilize a moist convective cooking process? It’s actually a pretty cool technique for gas grill cooking. This is a trick I use most often with delicate fish, such as tilapia. First, I turn the heat OFF on the side of the grill that my tilapia will cook. Then, I add a pan of water to the bottom of the other side of the grill – right on top of the heat elements. Keep in mind that this “water” can be any kind of liquid you like. I use shrimp stock sometimes with fish, but you can season it with chicken broth, wine – anything that is liquid and imparts nice, complimentary flavors to the product you are cooking. Then, the fish is placed either directly on the grill (if you have a flat grate option) or you can put it in a cast iron pan and put it on the grill grates. The rest of the procedure for this type of gas grill cooking follows the normal grilling process – cook with your eyes and observations, flip after 75% done, use a thermometer to determine final temperature and remove a bit “early” to allow for the carry-over cooking that occurs. And that’s it, now you can consider gas grill COOKING in addition to standard GRILLING for great outdoor cooking results.

Gas Barbeque Grills vs Charcoal Grills

You will hear from many self-proclaimed GRILLMASTERS that the traditional charcoal grill is far superior to the gas barbeque grill, but the gas grill has many advantages that make it a great choice for any outdoor cooking situation. I will admit that the charcoal grill provides opportunity for a deep, smoky flavor that is not fully achievable with the gas barbeque grill, but after that all of the “pros” go into the gas grill’s column. For starters, the gas grill is much easier and safer to start because it uses propane as fuel and starts at the press of a button. Charcoal grills can be easily started with lighter fluid, but this can be dangerous, and can impart an undesirable taste into the food. Plus, the gas grill turns OFF as easily as it turned on! No waiting for coals to cool so that you can empty and clean the grill and no messy coals to dispose of. The other nice thing about gas barbeque grills is that they allow for consistent heat throughout the cooking process. With the charcoal variety, the cook has to really control the heat by actually moving products closer and further and this takes some practice and experience.

These cooking tips for gas grills seem simple but they truly are the difference between great grilling results and disappointing meals. The next time you get ready to grill, remember that careful product selection and a basic understanding of cooking methods is all you need to master the barbeque grill, creating outdoor meals and memories for life.

Chef Todd Mohr is a classically trained chef, entrepreneur, cooking educator and founder of WebCookingClasses. You CAN learn to cook without written recipes by taking his FREE cooking class that will change the way you think about cooking forever!

An aquarium fish tank can bring the beauty and splendor of tropical or freshwater fish into your home or office, and if you follow sound fishkeeping principles when setting up your tank it will bring you years of enjoyment.

Planning your aquarium

A visit to your local pet store or specialist fish breeder will help you decide on the type of fish you’d like to have in your new aquarium fish tank. The staff at the store will also help you decide on the right size tank for the space available and supply all the necessary equipment and accessories that you will require.

However, don’t buy any fish, yet! You’ll need to establish your tank before you introduce any fish into it.

The first step is to thoroughly clean the tank. Don’t skip this important step just because the glass of the aquarium looks clean. Use a mild detergent in warm water to scrub out the tank. Rinse out the tank thoroughly to completely remove all traces of debris and detergent. Flush out the cleaned tank several times with fresh water to ensure there are no traces of detergent left behind.

Also clean all equipment that will be used in your new aquarium fish tank and rinse thoroughly. Even a tiny amount of leftover detergent can kill your fish so do not skimp on the rinsing process. Gravel should be rinsed under running water until the water runs clear. Plants can be stored in a clean bucket of water while you set up your fish tank.

Even a small aquarium fish tank is heavy – one gallon of water weighs about 10 lbs – so your new tank will require a sturdy stand. There are dedicated aquarium stands available that will provide a solid base, although a small fish tank might sit on another item of furniture. Use a layer of polystyrene tiles between the tank and the stand to even out any bumps.

When setting up your aquarium try to avoid placing it in direct sunlight, which will cause algae to grow in the tank. Remember it will need to be situated near a power outlet as many items of tank equipment require a power source.

Now you can fill your tank and check for leaks. Leave the water for several hours and confirm that the tank is not leaking and then drain the tank.

If you will be using an under-gravel filter place it in the tank first, following the instructions provided, then add the gravel, piling it a little higher towards the back of the aquarium to give the impression of distance within the tank.

Half fill the tank with water. Ideally, use dechlorinated water, or add chlorine remover in the recommended dosage. Place a dish in the tank on top of the gravel and pour the water gently onto the dish. This will create minimum disturbance to the gravel.

Next, install the filter and the heater if you will be using one. For an indoor freshwater aquarium fish tank a heater is rarely required. Tropical saltwater fish will generally require a heater to maintain the necessary temperature. If you are using a heater you will also need to install a thermometer in an easy-to-read location.

Now you can add your aquarium decorations. This could include a backing picture, rocks or other ornaments on the base of the tank. Create plenty of hiding places with the use of rocks and other decorations. Your fish will be glad of a place to hide from time to time. You can also install plants that need to be buried in the gravel at this time. Floating plants can be added when the tank is full.

Turn on the filter and the heater and ensure they are working before filling the aquarium to the top with dechlorinated water. This will start the process of tank cycling which is the process of eliminating excess ammonia from the tank.

Ammonia can be a problem when setting up a new tank as the bacteria that breaks down ammonia is not yet present. Over several months beneficial bacteria (nitrosomonas) will develop in the tank. The bacteria breaks down the toxic ammonia into nitrites. Because of the time it takes for the beneficial bacteria to develop in the tank it is recommended that you do not introduce fish for at least two weeks after setting up your tank.

When you are ready to add fish to your new tank try adding just a few at a time. You’ll bring them home from the store in a plastic bag filled with water. Float this bag, still sealed, on top of the tank until the water temperature in the bag matches the water temperature of the tank. This may take several hours. Don’t rush. When the water temperatures are the same you can carefully undo the bag. Let the fish swim out of the bag by themselves before removing the bag.

Watch your fish for several days or even several weeks to ensure they are healthy before adding more fish. Take your time to establish your fish population and you’ll give the biology of the tank time to adjust to the new fish and the waste they produce.

Always purchase your fish from a reputable dealer to avoid the likelihood of introducing diseased fish to a tank. Never add plants or fish from wild to a fish tank – the microorganisms and bacteria attached to fish from the wild can be deadly for fish in a tank!

Setting up and maintaining an aquarium fish tank involves a commitment of both time and money but will reward the dedicated aquarist with years of enjoyment.

Alison Stevens is an online author and maintains The Goldfish Site to assist anyone who wants to get started with setting up an aquarium fish tank and keeping goldfish.

What is an estimator?
An estimator is a person that writes auto repair estimates on vehicles that have been involved in an accident. The estimator must understand the basic car design and know the nomenclature of a vehicle. The estimator must also have good communication skills as they deal with customers on a daily basis. Not only does the estimator have to communicate with customers, but they will also be the contact person for the insurance companies, shop managers, and the shop foreman or technicians. Therefore, communications is a must for an auto estimator. This career pathway is definitely for a people person. In fact, I would even say that a person that writes auto repair estimates for a auto body repair center needs to be part salesman. It is their job to sell them self, the company, the technicians, and the service that the shop provides. Not all technicians make good estimators, but it is a good idea for the estimator to have experience as a technician. Although, there have been people hired without experience and trained by the shop to write estimates.

Who Hires Estimators?
There are two different industries that hire auto estimators. One is auto body repair shops and the other is insurance companies. This can also split into other categories in each industry. Collision shops can be dealerships, franchise shops, or independent shops. Some insurance companies hire their own auto estimators, while other insurance companies hire independent auto estimators. When you write estimates for the insurance company your title may be an auto appraiser instead of an auto estimator.

What Can An Auto Repair Estimator expect to earn?
This can vary on your experience and if you work for a small body shop or a insurance company. However, according to O*Net the national median for an Auto Damage Appraiser is $53,440 and had a growth rate of 7% to 10% in a ten year period. (2006 – 2016) Some collision repair centers will pay their estimators a salary and a percentage of every job that they sell. Therefore, the more estimate sales that the estimator produce, the more income he or she can earn if on one of these types bonus incentives.

What is the first step to becoming an auto estimator?
The first thing you will need is to learn is the basics. You can do this by enrolling in a collision repair program. Many local community and junior colleges offer these programs. This will allow you to learn the basics about the entire industry. Everything from the body repair, structural or frame repair to painting. Most programs incorporate a basic estimating course within the auto program. This will give you a taste of the industry and determine where you fit in best at. You may decide to become a collision or paint technician instead of a person that writes auto repair estimates. Whatever you decide, this training is the first step to securing a job in the auto collision repair or estimating careers. Some insurance companies require that you have a bachelor degree, but many do not. Experience hold a lot of weight with insurance companies as well. The training is your foundation and how you build the building is up to you. What I mean is, once you have your basics down, you have many opportunities and directions to explore.

Where do I find a facility to gain the training?
The best training for your money is going to be at a junior or community college. Community colleges normally focus on smaller groups, which offers lower student per instructor ratio. This leads to a deeper level of learning. They also receive state and federal funding, which allows them to offer quality programs at a much lower cost to the student. Other training facilities include technical schools and private owned schools. Check with your local community college to see if they offer collision repair. If not, ask them if there is a nearby tech school that does. Chances are that they will know where to point you in the right direction. Once enrolled in a collision repair program, you will be on your way to a career as a person that writes auto repair estimates or many other career pathways that collision repair has to offer.

If you have questions about Auto Body, Paint Repair or Estimating visit Collision Repair Training We’ve have many industry leaders that can help. For all of you Collision Repair News Collision Repair News I invite you to stop by and visit us at CollisionBlast.com

Less desirable and low value cars are cheaper to insure

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

Age is a concern

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

Keep adding to the no-claims bonus

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

Convictions aren’t cool

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

If you’ve got a garage, use it

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

Anti-theft devices

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

Use a reputable broker

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

A word of caution on price comparison sites

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

Pick up the phone

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

Got a nice postcode?

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

Mileage and use

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

Married with kids?

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

Don’t modify your car

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

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

Midlife career change, find career change success in 7 simple steps.

A mid-life career change can be a challenging project. Think about the possible results after you make the career change. The rewards should bring you new job satisfaction and fulfill a range of personal and financial needs.

Midlife career changes occur for a variety of reasons. One reason not to stay in your current career is that you’ve achieved some success and you then rationalize staying in a job as you are becoming more and more disillusioned and miserable. Another thing you might hear is that you shouldn’t be changing careers because at your age it either can’t be done and you should be satisfied “you do have a job don’t you.”

Leaving one career for another for the wrong reasons will not fix the problems; it will just transport them to a new location.

As you develop your midlife career change plan here are 7 steps to consider:

1. Where are you now? Carefully consider you current career. Is there anything you can do to make the situation better? Can you transfer to another career with the same employer? Is it the employer or the career that’s the problem? If it’s your current employer that’s the problem, should you consider staying in the current career with another employer?

2. Self-Assessment and Research: Review your skills and knowledge. What do you enjoy doing? What do you not want to do? Why? Do you have any interests that translate into a new career? Are there parts of your current career you really enjoy? Do not enjoy? What skills and knowledge are required in prospective careers? What possible gaps do you have to fill to qualify for the new career?

Gather information about prospective careers by talking to those currently working in the field, reading job descriptions and other internet resources. After you’ve analyzed your situation, looked carefully at your likes and dislikes and sketch out a possible direction building a new career plan. As you research possible new careers you should write out new career goals. Stay flexible and be willing to move in another direction if you reach a dead end.

3. What are the skills you bring to your new career? Your new proposed career may require different or additional skills and knowledge. However, with your previous experience you will find a whole family of transferable skills to your new career.

Skills and accomplishments in leadership, project management, problem solving, communications and others will cross over into the new career. How you list achievements in these skills on your resume and cover letter will help get you noticed and scheduled for the job interview.

4. Adding Qualifications and Education: Once you’ve identified a possible career look carefully at the normal qualifications and skill sets required. Do you have a possible gap in any area?

If the career requires specific training or education can you cover it with self-study, internet learning, or seminars and workshops? Perhaps a night course in a local junior college would be sufficient. Or a mentor could put you on a path toward completing the required qualification.

Sometimes the requirement is career related experience. This can be solved by doing work for a non-profit, or helping on a committee in a career related association, or part-time, temp or working as a contractor.

5. Networking your way to Success: Find others working in your planned career. You can locate them through friends, relatives, co-workers, or area or national career related associations, or Linkedin and other social networking sites.

You can learn a great deal about your proposed career by speaking to those currently working in the career. There are many good articles about making maximum use of this resource. Study the information available to turn networking into a valuable source of career information.

6. Financial Planning is a Must: You must integrate financial planning into your midlife career change plan. Your prospective new career may not pay you what you earned in your old career. How you cover the shortfall is important. It can be a combination of savings or reduction in expenses.

Be realistic in you planning on promotions and pay increases in your new career. With proper financial planning you can reduce your money concerns in the job change. In your career planning you may find you need to make several jobs change to qualify for your proposed career. This also must be factored into your career and financial planning.

7. Plan for Success in your New Career: You’ve now gotten a job on the first rung of your new career ladder. It is absolutely not the time to coast or put you career plan in the closet.

Continue your course of study and reading in the new career field and business and leadership in general. If your new employer offers help in added education take advantage of his offer.

Work carefully with you new boss on what is expected in the job; under promise and over deliver. Keep your eyes open for opportunities to excel. Build up your network of like-minded individuals. Help others find their dream careers, you’ll feel great and be building a productive network

Keep working and building your career plan. If you do your midlife career change will be nothing but successful.

For more information about career planning and career development go to http://careersafter50.com. You’ll also find ideas about changing careers and the stories of individuals just like you who successfully made midlife career changes.

Whether you’re a beginner to short mat bowls or already an experienced player, the single most important decision you will ever make is in relation to what type of bowls you should play with. However, with shops and online stores offering a range of different shapes, sizes and weights etc, the task of selecting a set that is right for you can be a tricky one.

In today’s image-obsessed world, there are probably a few people who would simply plump for the snazzy orange set with the green stripes running down the side (believe it or not, these do exist!). Now that’s all fine and dandy if you want to make a statement and stand out from the crowd. But aside from the fact that everyone will know it’s you who sent that terrible bowl that was 5 yards short of the jack, it’s not a good idea to base your decision on looks alone.

If you’re really serious about improving your short mat bowls game, there are a few key points you should consider when selecting your bowls. The first thing to think about is the weight of the bowl. Obviously you want to be able to hold it comfortably in your hand first and foremost, but you also need to be able to “feel the weight.” Bearing in mind that adding that all important extra yard might take just an extra ounce of strength in your delivery, you really want to be able to “feel” the bowl to be able to make the necessary adjustment. It’s always a good idea to have a practice with a friend or team mate’s bowls, trying out different weights to get an idea of what is right for you.

Once you think you’ve found the right sort of weight that suits you, the next step is deciding on the size. Now, in days gone by if you decided for instance, that a 2lb 12oz bowl felt like a good weight, you were pretty much stuck with the size that that particular weight came in.

However, thanks to the wonders of high density and low density bowls, we can now choose a set which is either smaller or larger than the standard density size. This means that if you like the “feel” of a 2lb 12oz bowl, but (like me) you have fairly small hands, you could opt for a 2lb 12oz “high density” bowl; which will be the same size as a standard 2lb 10oz but with all the weight of a 2lb 12oz one!

Equally, if you have giant sized hands but maybe have the strength of a new born lamb (!) then you might want to go with a low density bowl; a larger bowl but in a lighter weight.

The final important factor to take into account when selecting your short mat bowls is the strength of the bias. This is the clever part of your bowl which makes the bowl turn (or peg) as it begins to slow down. As a general rule, a bowl which is made for crown green bowls has a standard bias, whereas bowls manufactured specifically for indoor bowls or short mat bowling tend to have a stronger bias, resulting in a greater effect when the bowl turns.

Under the official rules of short mat bowling, you aren’t restricted to the type of bowl you can use which means you can play with crown green, flat green, indoor or short mat bowls. Therefore, the decision is again down to personal preference; whether you feel more comfortable playing with a bowl which turns more (an indoor or short mat bowl) or a weaker biased crown green bowl.

As somebody who plays crown green bowls as well as short mat, I use my crown green woods for both. However, I tend to play lead in a team of three during short mat games, which means there are never too many other bowls for me to bowl around when I send mine. For somebody who plays second or more particularly, third as skip, I would recommend playing with indoor/short mat bowls as the stronger bias is of great benefit when you are trying to negotiate the minefield of bowls that usually exist towards the conclusion of an end.

There you have it then. As long as you keep the above factors in mind you can’t go far wrong; so you’re free to go and get that fancy set of orange and green bowls you’ve had your eye on all this time!

Matt Clarke is a Web Designer who enjoys many hobbies and interests including bowls, where he has played in short mat bowls and crown green bowling leagues and competitions for a number of years.

He posts regularly about short mat bowls on his blog at http://www.shortmatbowls.net/.
For more information about playing short mat bowls visit http://www.shortmatbowls.net/indoor-bowls-for-short-mat-bowling/.

There are two questions my students and clients ask all the time. One is ‘How do I choose a good bowl” and the other is ‘How do I know which bowl is good for a specific chakra’. People also call to obtain a bowl with a certain musical note. My answers to these questions are founded in the Eastern philosophy rather than from a Western mindset, because this better reflects the nature of the instruments as they were intended:

Choosing a good bowl requires a few things.

Quality: Either an eye and an ear for excellent quality- or knowing and trusting someone who knows the bowls and can help you. Many people sell bowls and most are new and machine made to look old. There are several signs of age in a bowl including the shape, the markings inside and out, the thickness of the metal especially on the bottom (thinner is usually older), and the tone. Most lay people will not be able to tell the difference between an antique and a good reproduction. It takes a trained eye. But you should be able to hear the difference. Often even the people who sell bowls in shops and on the internet are not very knowledgeable, so ask a lot of questions. When someone says a bowl is old in this country old can mean 50 years. That is new by my standards. A real old bowl it will be at least 100 years old and more often hundreds of years old. If the vendor doesn’t know the region the bowls were made in, and how the markings help distinguish the type of bowl, they probably don’t know much. Bowls were made in a variety of regions of Tibet and their shape and markings are telling. Some of the bowls have consciousness transformation as their primary intention, and some have physical healing. This can be determined by their shape. There is more about this and photos in my home study course available on my website. A high quality, ancient bowl is an investment. If it is inexpensive and old, then it was probably obtained in a less than honorable manner…A good bowl is an investment and the price can range from $110 for a very small bowl to thousands of $$ for a huge bowl.

On the other side of the coin is the seller who hikes up the price claiming that a bowl is from the 16th or 17th century. If you really want to determine the exact age of a bowl, you have to melt it down- thereby destroying it. Ask where and who authenticates the bowls and how the age was determined and tune into your intuition about the story you are being told.

In Asia, the only way to establish a good and trustworthy relationship with a supplier is over a number of years, and eyeball to eyeball. So the few people who go over themselves to select instruments over a period of years will get the best bowls. If your bowls come from a wholesaler somewhere, w ho purchases large quantities of things you can be sure they are if inferior quality because they probably did not hand select them or have a long term relationship with the supplier. These things DO make a big difference.

Usage: It is useful to determine what you will use the bowl for: ie meditation, grounding, physical healing? Do you want to integrate a few bowls into an existent modality or use them with other instruments in a musical vain, or become a sound healer? The answers to these questions will also impact on your choices.

Tone: The tone of the bowls should linger for quite some time when struck producing several layers of tones you can hear that in turn create overlaying harmonics and overtones. When you sing a bowl (rub the rim with the wooden or leather part of a stick) there are several things to consider. How ‘awake’ the bowl is: some bowls sing right away, and some need to be played for a while and ‘broken back in’. This is neither good or bad but it is important to know so you don’t dismiss a potentially great instrument just because it doesn’t sing right away. When you hear a bowl, listen to your body. If it opens your heart, or moves you deeply in some manner; if you feel tingling all over, or the tone directly impacts one area of your body or grounds you- these are all good signs. Bowls were created for consciousness transformation and healing. You should feel their effect on you.

If you have more than one bowl then it is good to play them together so that their tones harmonize. Eventually, they will anyway, because that is their nature and magic, but why not help the process by starting with bowls that sound great together right away? Note that with several bowls, playing them in one pattern may sound very good and another pattern may not!

Bowls and Chakras. In the west we work with seven chakras. The Tibetans work with five regions of the body. The bowls were created to bring us back to our experience of the interrelationship of all things; thus they are not calibrated to work on any one chakra to the exclusion of the rest. Their very nature encompasses our wholeness. In this way they are very different instruments then the western counterparts- tuning forks and crystal bowls. However there are some bowls whose tone and size lend themselves more naturally to certain areas of the body. Lower tones for grounding, largest bowls by the feet, soothing mid tones around the head, and higher tones over the 3rd eye, etc. There are too many variables to discuss here but you can get some basic principals in my home study course. Having several bowls is wonderful but understand that even if you have only ONE bowl, it will impact all of you, and not just one chakra.

Diáne Mandle is an author, teacher, healer and recording artist based in Southern California. She is Certified in Tibetan Bowl Sound Healing and Polarity therapy. Diane maintains a private practice offering an integrated system for healing which includes Sound and Polarity Therapy, Toning and Visualization. Diane conducts educational programs, keynotes and Harmonic Sound Healing concerts nationally and presents frequently at the Deepak Chopra Center. She has produced the first comprehensive multimedia home study course in Sound Healing using Himalayan instruments (Tibetan, Nepalese and Bhutanese bowls, tingshas, gantas and dorjes) ‘Ancient Sounds for a New Age’, an E-Book/DVD/ CD set available on her website http://www.soundenergyhealing.com

Feel free to contact me to hear some great instruments, and obtain my home study course ‘Ancient Sounds for a New Age’ at http://www.soundenergyhealing.com

More and more young people are choosing non-traditional education to start and advance in their careers while completing and furthering their formal education. “Typical distance learners are those who don’t have access to programs, employees who work during scheduled class hours, homebound individuals, self-motivated individuals who want to take courses for self-knowledge or advancement, or those who are unable or unwilling to attend class” (Charp, 2000, p. 10). Three key elements surround the online learner: technology, curriculum, and instructor (Bedore, Bedore, & Bedore, 1997). These elements must be keenly integrated into one smoothly and operationally functional delivery tool.

While an online method of education can be a highly effective alternative medium of education for the mature, self-disciplined student, it is an inappropriate learning environment for more dependent learners. Online asynchronous education gives students control over their learning experience, and allows for flexibility of study schedules for non traditional students; however, this places a greater responsibility on the student. In order to successfully participate in an online program, student must be well organized, self-motivated, and possess a high degree of time management skills in order to keep up with the pace of the course. For these reasons, online education or e-learning is not appropriate for younger students (i.e. elementary or secondary school age), and other students who are dependent learners and have difficulty

assuming responsibilities required by the online paradigm.

Millions of students use e-learning solutions in over 140 countries: corporations such as Kodak and Toyota and education providers like ExecuTrain, New Horizons, the Enoch Olinga College (ENOCIS), Phoenix University amongst the hundreds of schools and colleges.

Studies have shown student retention to be up to 250% better with online learning than with classroom courses. Several recent ones have helped frame the debate. The Sloan Consortium published a widely distributed report titled “Growing by Degrees: Online Education in the United States in 2005″ that examined the growing prevalence of online education across U.S. institutions.

In addition, a study conducted by the Boston-based consulting firm Eduventures found that, while about half of institutions and more than 60 percent of employers generally accept the high quality of online learning, students’ perceptions differ. Only about 33 percent of prospective online students said that they perceive the quality of online education to be “as good as or better than” face-to-face education. Ironically, 36 percent of prospective students surveyed cited concern about employers’ acceptance of online education as a reason for their reluctance to enroll in online courses.

But what actually drives quality? A March 2006 report released by the U.S. Department of Education’s Office of Postsecondary Education identifies six quality indicators: mission, curriculum and instruction, faculty support, student and academic services, planning for sustainability and growth, and evaluation and assessment.

The debate rages on while the Pros and Cons of Online Adult Education for today’s international students are constantly analyzed to determine if this type of education platform can deliver predictable and measurable results.

The Enoch Olinga College (ENOCIS) is one institution which uses this type of delivery system. ENOCIS enhances their learning experience by offering many other “value added”, cost reducing benefits to students. Online pupils can apply for scholarships available to students of excellence and other financial aid programs like the Parent Loan for Undergraduate Students (PLUS), with attractive interest rates. They also provide convenient payment facilities, on line banking, Western Union Quick Collect, bank cards and a student who is granted a loan can start repaying it after two months if they have a corporate guarantor.

Pros of Online Education:

The key advantages of the online education experience are briefly explained below:

1. Cheaper: Online courses may be more affordable than those offered at colleges or trade schools. You may also save on transportation costs like gas, bus passes, and parking permits because you don’t need to commute to school and there are no housing or meals plans to worry about since you do not need to live on or near a college campus. Housing expenses and other costs associated with living expenses are usually the most expensive aspects of a college education, so by taking an online course you could save quite a bit of money.

The best part of online education is the absence of travel and immigration problems. Some students may prefer not to pursue traditional on campus education, as it involves traveling to attend lectures. With online education, an applicant does not need to travel. Courses simply require accessing the internet in order to begin the learning process.

2. More Convenient: By taking courses online, you’re able to decide when you study and for how long. You are also able to schedule your studying around your work or social schedule.

Since you’re not bound to a classroom, you may do your work wherever you have access to a computer and the internet. You’ll be able to set your own pace and decide exactly how fast you want to go over the material.

Take online courses when you need them, not based on some college’s annual or semester schedule. You can learn when you need it (Just-In-Time) A course is as close as a computer with an Internet connection.

3. Flexibility: with no set class times, you decide when to complete your assignments and readings. You set the pace. In some programs, you can even design your own degree plan. The online students can carry out their private or official work, along with the online education. As it provides the convenience of time flexibility, a student can login and logout as per his desire whereas, the traditional education do not provide such flexibility in learning.

Flexibility of online education allows the student control over their studies. They can allot more time in the topics, which they feel comparatively hard and vice versa. The speed of learning depends solely upon the students.

4. Technology: With the help of the scientific technology, students can do their online education at any place. The only mandatory pre-requisite is the availability of computer along with an internet amenity. Side benefits include the learning new technologies and technical skills

5. Availability: distance-learning opportunities have exploded over the past few years, with many accredited and reputable programs.

6. Accessibility: with an online course, you can work on the course just about anywhere you have computer access. Your learning options are not constrained by your geographic location. The new virtual classrooms have created a myriad of learning opportunities for global learning and education center. On line education is a new era experience adapting to the needs of the world citizen.

7. Self-Directed: you set your own pace and schedule, so you control the learning environment.

8. Time Spent in Classroom: now you can take a course on just about any subject without ever having to be in, or travel to, a classroom so you have very little wasted time. Note, however, that some distance-education programs still do have an in-class component and normally to receive a fully accredited US university degree an international student must spend one or two semesters on campus.

9. High Quality Dialog: Within an online asynchronous discussion structure, the learner is able to carefully reflect on each comment from others before responding or moving on to the next item. This structure allows students time to articulate responses with much more depth and forethought than in a traditional face-to-face discussion situation where the participant must analyze the comment of another on the spot and formulate a response or otherwise loose the chance to contribute to the discussion.

10. Student Centered: Within an online discussion, the individual student responds to the course material (lectures and course books, for example) and to comments from other students. Students usually respond to those topics within the broader conversation that most clearly speak to their individual concerns and situations resulting in several smaller conversations taking place simultaneously within the group. While students are expected to read all of their classmates’ contributions, they will become actively engaged only in those parts of the dialog most relevant to their needs. In this way, students take control of their own learning experience and tailor the class discussions to meet their own specific needs. Ideally, students make their own individual contributions to the course while at the same time take away a unique mix of information directly relevant to their needs.

11. Level Playing Field: In the online environment learners retain a considerable level of anonymity. Discriminating factors such as age, dress, physical appearance, disabilities, race and gender are largely absent. Instead, the focus of attention is clearly on the content of the discussion and the individual’s ability to respond and contribute thoughtfully and intelligently to the material at hand.

On line adult education can be more effective and better for certain types of learners (shy, introverted, reflective, language challenged, those that need more time). Distance education courses are often better for people who learn through visual cues and experiential exercises.

12. Synergy: The online format allows for a high level of dynamic interaction between the instructor and students and among the students themselves. Resources and ideas are shared, and continuous synergy will be generated through the learning process as each individual contributes to the course discussions and comments on the work of others. The synergy that exists in the student-centred virtual classroom is one of the unique and vital traits that the online learning format posses..

13. Access to Resources: It is easy to include distinguished guest experts or students from other institutions in an online class as well as allow students to access resources and information anywhere in the world. An instructor can compile a resource section online with links to scholarly articles, institutions, and other materials relevant to the course topic for students to access for research, extension, or in depth analysis of course content material in the global classroom.

14. Creative Teaching: The literature of adult education supports the use of interactive learning environments as contributing to self-direction and critical thinking. Some educators have made great strides in applying these concepts to their on ground teaching. However, many classes still exist which are based on boring lectures and rote memorization of material. The nature of the semi-autonomous and self-directed world of the virtual classroom makes innovative and creative approaches to instruction even more important. In the online environment, the facilitator and student collaborate to create a dynamic learning experience. The occasion of a shift in technology creates the hope that those who move into the new technology will also leave behind bad habits as they adopt this new paradigm of teaching. As educators redesign their course materials to fit the online format, they must reflect on their course objectives and teaching style and find that many of the qualities that make a successful online facilitator are also tremendously effective in the traditional classroom as well.

Cons of Online Education:

Briefly explained are some factors that could negatively affect your success with distance learning courses:

1. The Technology:

a. Equity and Accessibility to Technology: Before any online program can hope to succeed, it must have students who are able to access the online learning environment. Lack of access, whether it be for economical or logistics reasons, will exclude otherwise eligible students from the course. This is a significant issue in rural and lower socioeconomic neighborhoods and educating the underserved peoples of the world. Furthermore, speaking from an administrative point of view, if students cannot afford the technology the institution employs, they are lost as customers. As far as Internet accessibility is concerned, it is not universal, and in some areas of the United States and other countries, Internet access poses a significant cost to the user. Some users pay a fixed monthly rate for their Internet connection, while others are charged for the time they spend online. If the participants’ time online is limited by the amount of Internet access they can afford, then instruction and participation in the online program will not be equitable for all students in the course. This is a limitation of online programs that rely on Internet access. Equity of access to learners of all backgrounds and parts of society

b. Requires New Skills/Technologies: if you’re not computer-savvy or are afraid of change or new technologies, then online education will probably not work for you. The online students are required to learn new skills, such as researching and reviewing the internet. For the online students, they need to learn the techniques of navigation on an online library for necessary information. Technical training and support of learners and instructors

c. Computer Literacy: Both students and facilitators must possess a minimum level of computer knowledge in order to function successfully in an online environment. For example, they must be able to use a variety of search engines and be comfortable navigating on the World Wide Web, as well as be familiar with Newsgroups, FTP procedures and email. If they do not possess these technology tools, they will not succeed in an online program; a student or faculty member who cannot function on the system will drag the entire program down.

d. Limitations of Technology: User friendly and reliable technology is critical to a successful online program. However, even the most sophisticated technology is not 100% reliable. Unfortunately, it is not a question of if the equipment used in an online program will fail, but when. When everything is running smoothly, technology is intended to be low profile and is used as a tool in the learning process. However, breakdowns can occur at any point along the system, for example, the server which hosts the program could crash and cut all participants off from the class; a participant may access the class through a networked computer which could go down; individual PCs can have numerous problems which could limit students’ access; finally, the Internet connection could fail, or the institution hosting the connection could become bogged down with users and either slow down, or fail all together. In situations like these, the technology is neither seamless nor reliable and it can detract from the learning experience.

2. The Institution: Many online education facilities are relatively new with many courses and hence, lack in modern instructors for instructing the new curriculum. Estimates show that there is still a need for an increase of more 50% of qualified instructors for online education.

b. The Administration and Faculty: Some environments are disruptive to the successful implementation of an online program. Administrators and/or faculty members who are uncomfortable with change and working with technology or feel that online programs cannot offer quality education often inhibit the process of implementation. These people represent a considerable weakness in an online program because they can hinder its success.

3. The Facilitator :Lack of Essential Online Qualities: Successful on-ground instruction does not always translate to successful online instruction. If facilitators are not properly trained in online delivery and methodologies, the success of the online program will be compromised. An instructor must be able to communicate well in writing and in the language in which the course is offered. An online program will be weakened if its facilitators are not adequately prepared to function in the virtual classroom.

4. Perceptions/Reputation: while slowly changing as more and more mainstream colleges and universities embrace distance learning, there still is a stigma attached to distance education to the student’s interaction in the online education. Some of the students believe that, there are few opportunities with regards to face-to-face interactions and feedbacks.

5. No Instructor Face Time: If your learning style is one where you like personalized attention from your teachers, then online education will probably not work for you.

6. Little Support: students are expected to find their own resources for completing assignments and exams, which is empowering for some, but daunting for others.

There is little support and limited guidelines provided in online education system. Online students are required to search as per their own imaginations for completing exams and assignments.

7. Lacking Social Interaction: while you often interact with classmates via email, chat rooms, or discussion groups, there are no parties or off line get-togethers.

If you enjoy meeting new people and learn better while you’re interacting with other people, you may want to reconsider online education.

8. No Campus Atmosphere: part of the traditional college experience, of course, is the beauty of the campus, the college spirit, but you have none of that with distance-education courses.

Since you’re not on campus or in classes, you may lack opportunities to meet other students. You will not have many opportunities to interact face-to-face with your professors, so they may not have a real sense of who you are as a person.

9. Making Time: if you are a procrastinator or one of those people who always needs an extra push to complete work, you may have a hard time making time for your online classes. On line learning requires new skills and responsibilities from learners

10. Academic honesty of online students: requires a new mindset to online assessment. Most education experts agree that rote memory testing is not the best measure of learning in any environment and new measurement and evaluation tools are evolving.

11. Types and effectiveness of assessments: The importance of outcomes in online learning cannot be over emphasized. Does the program have measurable results? Are students learning what you say they should be learning? Then there are institutional outputs: course completion rates, job placement rates (if that’s the goal of the institution), graduation rates, student success on third-party tests, and student satisfaction scores.

These factors, both the pros and cons, contribute greatly to making an informed decision about the direction of your career path and how you are going to accomplish your goals: on line, in the classroom or a combination of both.

Institutions and companies that use continuing education to meet their needs also face similar decisions. Institutions that deliver online education are confronted with a series of challenges, including the search for good faculty, use of technology, and provision of adequate student services.

The Sloan Consortium report “Growing by Degrees: Online Education in the United States in 2005″ found that 64 percent of chief academic officers and faculty believe that it takes more discipline for a student to succeed in an online course than it does in a face-to-face course.

More and more major business and industry is turning to on line continuing education as a viable and cost effective resource for training its personnel. Hilton Hotel has 380 hotels worldwide and is represented in 66 countries.

When you weigh the benefits and advantages of on line adult continuing education the cost of study and flexibility of scheduling tip the scales of programs like the Enoch Olinga College, Capella and Phoenix University’s distance learning program on line adult continuing education is becoming a world wide respected form of education.

However, as with any situation, there are both pros and cons with the concept of online education and the benefits of the virtual or global classroom. You may want to evaluate both before you decide on an online education program. By examining the advantages and disadvantages, you will be able to make a more informed decision. But, at the end of the day, online learning is independent learning. A lot of structure has been put into online programs, but it still comes down to a learner sitting in front of a computer by him or herself. The knowledge you receive or the benefits it will generate either in development of self esteem or increasing earning capacity will depend sole upon you the student.

David W Morris is an international development specialist with The Enoch Olinga College (ENOCIS) [http://www.enocis.org] and author of several publications on socio economic development. David is a regular contributor to online article sites on the topics of on line education, underserved peoples, scholarship and educational excellence, continuing education programs and on line TOEFL and language development. David W Morris is also a successful online adviser of ranking blog site http://www.enocis.blogspot.com

SELF-EMPLOYMENT AND YOU

The world of self-employment can be a personally and financially rewarding one for the right individual. Many people dream of owning their own business but don’t believe it will ever happen for them. The majority of these folks see all the positives of working for yourself, but lack the drive and determination to make the transition from employee to employer.

Self-employment is the ticket to higher earnings without limit and the right to control and work your own schedule. But it’s not easy work. A lot of self-employed people are working longer hours and weeks than ever in their own business. The difference is they are doing work they truly enjoy, and are getting paid for it!

You have the talent and ability to work on your own! Perhaps you’re just not sure what business you’d like to specialize in.

Sales aren’t just the slick folks on the automobile showroom who want to know what it will take to get you in that car today. Selling is the process by which a product reaches a consumer. It can take many forms. If you have some preconceived ideas about sales right now, erase them from your mind. Start with a clean slate by remaining open to all possibilities in your home-based businesses.

After all, if you’re marketing a product you would buy yourself, it will be easy to convince others of its value. Since you’re selecting the right business opportunity, you’ll unquestionably choose the business that has the most appeal to you. Selling something you love almost never feels like work, or real selling!

HOW TO GET STARTED

If you currently have a job, you may want to break into your home-based business on a part-time basis until you’ve built up enough earnings base to leave. There will probably be no greater feeling than when you walk out the door and into a business where you call the shots!

If you’re between jobs, then by all means go at this full-force. All you need to do is to contact the businesses listed here that interest you and begin the process of determining if this is right for you.

There may be several opportunities here that are franchises. There is no available data that says that electing to go the franchise route to start your business has any lower success rate than beginning a new business from scratch. Again, view these choices with an open mind and investigate the opportunity thoroughly before making the commitment. If you’re working part or full time, you can, perhaps, be even choosier.

THE TOP 10 WAYS TO EARN MONEY AT HOME

1. ANTIQUES

The buying and selling of antiques has been and should continue to be a very productive business, financially, for those that do it. Here, you only need an extra room in the house, or the use of your garage — and you have an office!

If you have a large home that has some antique furnishings, you might consider turning it into a showroom for your antique acquisitions and sales, providing you satisfy any local zoning regulations. The interest in antiques will survive into the foreseeable future. Many people choose to spend their free time on the weekends “antiquating” from place to place to try and pick up a few odds or ends and maybe a jewel or two. If you know anything about antiques, this may be a great opportunity for you.

For more information, check out the book, “Buying and Selling Antiques”, by Don Cline and Sara Pitzer. Your local library may be filled with other publications on this subject that can get you started quickly. Your only overhead may be inventory and advertising!

2. BAKING

Have you ever been told that you have a recipe which people would line up to get if they could? Ever had anyone tell you that you should be selling those cupcakes you make? There are a number of success stories about people who have launched successful businesses by cooking at home and then marketing to local people first. Word of mouth on a good product may start to get restaurants or bakeries interested in acquiring your culinary masterpieces. Then you progress to selling them state-wide and presto! A winning home-based business!

For more practical advice on the assorted aspects of setting up a specialty foods business, you should contact your local U.S. Department of Agriculture Home Extension Agent in your county. Since every U.S. county has such an individual, that person shouldn’t be hard to find!

3. BED AND BREAKFAST PROPRIETOR(S)

Have you ever stayed in a bed and breakfast and thought, “hey, I can do this!” You probably went on vacation and simply chalked your thought up as one of those pipedreams one gets when they stay in a beautiful spot.

Don’t toss that thought away! While it’s not easy work as the hours can be long and it’s usually a seven days per week business, it’s often something that you can work into a daily schedule. After all, it’s merely an extension of doing the housework for family, right? More and more Americans are taking after Europeans and opening their homes to travelers. If you have an extra room or two since the kids moved out, you can start a bed and breakfast in your own place!

Bed and breakfast popularity will continue as more and more vacationers and business travelers seek a different accommodation away from the predictability of the average hotel room. If they enjoy their stay, many become “repeat” customers, coming back to the same familiar surroundings time and again.

If you don’t need to do any major renovations in the house to accommodate this type of establishment, you can be off and running with very little money invested, other than advertising and some new “guest room supplies”. If your dream is to buy a bed and breakfast somewhere in a vacation paradise, there are probably houses for sale that will work for this purpose.

Whatever your design, there are several good books on the subject of starting your own bed and breakfast, including “Start Your Own Bed and Breakfast”, by Beverly Mathews. Check them out at your local library.

4. CHILD CARE

Due to the financial pressures many families face today, many parents work outside of the home to bring in enough income to pay daily living expenses. A single parent is obviously working but all too often both members of a two parent family are in the workforce.

This creates a home-based opportunity. Children must be watched, all day if they’re not in school, or, otherwise, for a brief time after school before the parents finish work for the day.

Caring for one additional child may not be that lucrative, but taking care of several children can certainly be a full-time, financially successful business. Often, taking care of several children is made somewhat easier as the youngsters often will play together.

You can do this at home for only a small investment in basic equipment and toys for the kids in addition to the advertising of your business. There are several publications that address starting this type of business, including “Family Day Care”, by Betsy Squibb.

Another resource is the Day Care Council of America, 5730 Market Street, Oakland, CA. 94608.

5. COMPUTER SPECIALIST

The advent of the computer age has changed the concept of self-employment. Having a computer at home has opened a number of opportunities for running your own business utilizing this equipment. Companies everywhere are “outsourcing” work that can be done by someone else on their computer, out of their own home.

If you’re not that familiar with a computer, there are many low-cost (or free) seminars and classes that will teach you what equipment you need and how to use it.

If you’re a whiz in computers, you may end up working as a consultant, writing programs for companies. If you’re a beginner, you may find yourself able to obtain work as a writer, using your computer to produce copy that’s easy to edit. You can also keep accounting and payroll records for companies on your computer’s database.

Word processing software can be used not only for writers but for those that can offer secretarial services out of their house. Desktop publishing software can allow you to do newsletters for businesses and other organizations.

For more educational data, contact the Information Resources Clearinghouse at Syracuse University’s School of Education, 030 Huntington Hall, 150 Marshall Street, Syracuse, N.Y. 13244. Their phone number is (315) 443- 3640.

There are a substantial number of good publications, too. Your local library will have several books on computer occupations. If you can operate a computer, you can find work in the information age today.

6. GARDENING

If you like working in your garden each year and growing vegetables for your family to eat, it’s a definite possibility for home-based employment. Imagine clearing a little more space and growing more items that you can sell directly to the consumer.

Most produce stands will buy from you if your product is one of high quality. If you enjoy gardening, this could be your ticket! If you have some more land to use, do it! Plant what you can, when you can! Contact your local produce stands to ascertain their buying habits.

You can even inquire about your own produce stand if you have enough product. The more space you have on your land, the more likely you will be able to generate enough crops to run the business.

People love home-grown vegetables. They just don’t have the time or want to be bothered doing it themselves. That’s your open door!

For more information, consult books like “Plants for Profit,” and “A Complete Guide to Growing & Selling Greenhouse Crops”, by Francis Jozwik.

7. IMPORTER AND DISTRIBUTOR

There are a substantial number of products manufactured in other countries which can be bought inexpensively and sold here in the United States at a profitable level. The recent passages of the Congressional bills, NAFTA and GATT, may make it easier to bring in other products from other countries.

This is a business easily operated out of the home, depending on the types of stock you’re carrying. You may have to rent some storage space, but the capital required to start should essentially be limited to the products you’re buying to sell here.

Two good resources for you are:

* American Importers Association Membership Directory, 420 Lexington Avenue, New York, N.Y. 10017; and

* American Register of Importers and Exporters, 38 Park Row, New York, N.Y. 10038.

You can also look at books in your library such as “How To Make A Fortune In Import/Export”, by Howard R. Goldsmith, obviously an optimistic look at this type of business.

If you know the type of product you want to import and the market most likely to purchase your goods, you have great potential for a successful home-based business.

8. INTERIOR DECORATOR

While this business will require you to be out and about, meeting with customers, it’s the type of work many people would love to do. If you have a fascination for decorating a home, this could be your line of work.

Many people don’t know where to start when they are remodeling or buying a house for the first time. If you have the knowledge of colors and patterns and what looks good together, plus the expertise of knowing where to get materials and furnishings, this can be a winning home-based business for you.

One excellent resource to consult is the “Interior Design Directory”, available through Whitney Communication Corporation, 1050 E. 58th Street, New York, N.Y. 10155.

9. PHOTOGRAPHER

The sky’s the limit here! Armed with your trusty camera and some good advertising, you can do weddings, models, family portraits, passports, student photos, local newspaper coverage; almost anything that requires a picture!

You can easily start this work, part-time, and work into full-time work based on your success and inclination. Not much equipment is necessary to get going as a camera off the store shelf can often do the trick today. Picking up a tripod and having a room sufficient for developing your pictures, and you’re in business — at home!

There are a number of excellent books available in your local library to get you started on the path of professional photography.

10. SEWING & ALTERATIONS

Many people love to sew. If you’re one of them, consider offering this service out of your home. When someone buys a new outfit, it rarely fits perfectly, meaning some kind of alteration must be done.

People look long and hard to find reliable individuals to do their alterations. If you can sew, you’re well on your way to opening the doors of this type of business.

One resource you can review is “Sewing for Profit”, by Judith and Allan Smith. Or your library will have a handful of capable publications on starting up this type of business.

These are our suggestions as to the top 10 ways to earn money at home, enough to be a full-time self-employed businessperson!

But there are many other opportunities. The listings that follow may give you some other ideas you need to get started in business for yourself.

SUMMARY

Are you ready to start up your own business now?

Whether you begin from scratch or invest in a franchise, the time has never been better to get a home- based business off the ground. It’s become almost routine in the business world to work with independent contractors. Many times, it’s more cost-effective, too.

Most of these businesses do not require a substantial amount of start-up cash. Many of these franchise opportunities offer financing.

With Internet’s help, your home business can be moved online and expand globally. Your profit will be significantly improved if you can integrate your traditional business into online business.

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Julia Tang publishes Smart Online Business Tips, a fresh
and informative newsletter dedicated to supporting people
like you! To find out the best online business opportunities,
and to discover hundreds more proven and practical internet
marketing secrets, plus FREE internet marketing products
worth over $200, visit: http://www.best-internet-businesses.com
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Note: Feel free to publish it with the resource box and content unchanged

The Dallas tennis community is one of the most active in the US. The city offers a variety courts, public recreational facilities, public parks, private country clubs, racket clubs, and hotel resorts. In addition the Dallas tennis players have excellent opportunity to experience the game in multiple fun or competitive activities such as adult and junior tennis programs, private lessons, drills or leagues. This article provides information about some of the popular Dallas tennis facilities. If you are looking for tennis in Dallas, or if you are interested improving your game by meeting new competitors, this article can point you in the right direction.

There are many tennis courts in Dallas to choose from and many places for Dallas tennis lessons. If you are looking for a larger tennis Dallas tennis club you might want to check out private facilities such as T Bar M Racket Club or Brookhaven Country Club. These are by far the two most prominent and popular Dallas Tennis clubs in the Metroplex. Both are full service tennis facilities that have indoor and outdoor courts as well as programs to the tennis players of all ages and levels.

T Bar M Racket Club is located at Dilbeck and Preston Road, just a half a mile north off of 635. Each of these two clubs has over 20 well trained and seasoned teaching pro’s. T Bar M Racket Club has 8 indoor hard courts and 8 outdoor clay courts as well as 14 outdoor hard courts. The fitness center has a complete weight room, palates room. Sectors of T Bar M Racket Club include a wellness center, massage rooms, outdoor basketball court, pool, and in indoor bar and dining area. T Bar M Racket Club hosts the Men’s Dallas Tennis Challenger every year in the beginning of February where profession players compete from all over the world.

Brookhaven Country Club is located in Farmers Branch, Texas and has 22 outdoor tennis courts and 16 indoor courts. Brookhaven is known for a strong junior development program and has about 20 pros on staff at all times. Brookhaven Country Club has a solid foundation that is run by Club Corp, which operates a bunch of golf courses, country clubs, and private business clubs around the country. This is a Great Dallas tennis club for junior development training and a highly recommended Dallas tennis club to join if you love the sport.

There are other clubs that have a solid following such as Canyon Creek Country Club which is located on the boarder of Richardson and Plano. This club is also operated by Club Corp and has 18 outdoor tennis courts to play on along with 4 indoor courts. Canyon Creek Country Club hosts Texas Open every year in the late summer and has been around since 1963.

Glen Eagles Country Club is another highly prestigious country club located in west Plano that operates 18 courts and is operated by Club Corp. There are about 10 teaching pros that cater to all levels of skill and hold a variety of programs for juniors and adults to select from.

The Village Tennis Center in located in Dallas and is has 12 outdoor tennis courts made of hard court and has a full service pro shop. The facility is operated by U.S.P.T.A. instructors that offer training for every type of player. This is a very popular location for Dallas Tennis tournaments to be held at. The Village Tennis Center is a prime spot for lessons, mixers, and leagues for those who love the sport.

As far as the Dallas public tennis courts that are operated by the cities, there are few that are stronger than others but most of them contain about 15 courts on average. L.B. Houston Tennis center is owned by the City of Dallas and has a complete pro shop inside along with 16 tennis courts. L. B Houston Tennis Center is a great facility for joining a league, booking private lessons, or competing in the Dallas tennis tournaments.

Fretz Tennis Center on Hillcrest at Beltline Road in North Dallas right next to the public library has always been a very popular location for Dallas tennis leagues as well as junior development, and private lesson. This location also has a recreational center that has a basketball court and outdoor pool.

Samuel Grand Tennis Center located in East Dallas is just outside of downtown and it is known as the largest public Dallas tennis center that has 20 out courts, and also provides private tennis lessons, programs and host a number of Texas tennis tournaments throughout the year.

Keist Tennis Center in Oak Cliff another public tennis facility that is run by the Kick Serve Tennis Group and offers private lessons for all age levels. Keist Tennis Center is a great facility with 16 courts and has holds a variety of state tennis tournaments every year. Keist facilitates Dallas tennis leagues such as TCD which known as the Texas Competitors of Dallas, and it is another fine location to sign up for programs, drills, and private lessons.

Fair Oaks Tennis is located in the heart of Dallas and holds a variety programs for juniors and adults of all ages. Fair Oaks hosts many Dallas tennis tournaments throughout the year on their 16 courts and is very active amongst the Dallas Tennis community.

If you are an adult and you are thinking of joining Dallas tennis league than you might want to consider joining the Tennis Competitors of Dallas. The Tennis Competitors of Dallas also known as TCD is specifically designed for league match play against different clubs and city communities that meet at numerous locations to battle it out. The Tennis Competitors is a die hard and highly competitive organization of the Dallas Tennis community that loves the sport of tennis so much it tends to get a little dramatic.

If you are looking to compete in some tournaments, it might be a good idea to join the Dallas Tennis Association so that you are kept up date with the all the tennis tournaments around the city. The Dallas Tennis Association hosts a number of tournaments throughout the year and can help you with the enrollment process when you are ready to compete in the tournaments that you desire.

Our operations in the Dallas Tennis community specialize in world class class top notch training catered to all levels. If you are interested in improving your game check us out.

Brian Marshall 214 336 1891 dallastennis@gmail.com