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Have you ever avoided a career or business opportunity because it required you to speak publicly?  Did you ever have a great idea you wanted to share in a group setting but didn’t because of your fear of speaking in front of a group of people? 

You are not alone in the fear of public speaking.  In my travels, I have seen where the fear of public speaking have kept otherwise very successful people in all walks of life from achieving their full potential.  When you let this fear dominate your life, you lose out on promotions, business opportunities, community activities, and most of all self-confidence.

The following are seven powerful secrets to empowering you to overcome your fear of public speaking and achieving a new level of success in your career, your business, and your life:

1. Ask Yourself the Important Question

Ask yourself, “Where does my fear come from and is it real?”  Was there a public speaking opportunity in the past that you think didn’t go well or that you felt was poorly prepared?  Maybe you had to stand up in front of your classmates in high school or college and someone made what you perceived as a negative comment concerning your presentation.  Maybe you gave a good speech but you started to over analyze every detail of the speech.

First, realize that whatever happened did so at another time and place and you are no longer that person.  With new experiences, you have grown into a more confident person with much to offer.  Second, embrace feedback, extract the true areas of improvement from the feedback and work to improve your public speaking ability.  Be honest and fair with yourself and determine if the feedback is coming from someone who is qualified to give quality feedback.  I had one presentation skills student whose manager told her she was a poor speaker because she moved her hands and arms during the presentation.  Was the manager giving qualified feedback?   Doubtful.  Yet, this manager’s feedback affected this employee in a negative way for years until the employee became my coaching student. 

Again, separate qualified feedback from unqualified feedback and learn from it.  Also, don’t allow negative public speaking situations that happen in the past apply to your present or future public speaking opportunities.

2. Face Your Fear of Public Speaking

The fastest way to overcome any fear, much less the fear of public speaking, is to face your fear and attack it. Look for and embrace opportunities to make presentations.  Start with non-threatening opportunities such as your children’s school meeting or a non-work related situation and work your way up to more important, high pressure situations such as work meetings.

Realize that each time you speak is an opportunity to improve your speaking ability.  Look at your public speaking skills as a muscle.  The more you exercise your public speaking muscle, the stronger it becomes and you will improve your speaking abilities.

Go into each public speaking opportunity with a clear set of goals.  Maybe for your first speech, you may have a goal of eliminating “hums” and “ahs.”  For another speech you may have a goal of completing your speech with a powerful ending. 

3. Visualize Your Public Speaking Success

Invest time the night before you speak to visualize what a successful speech looks, sounds, and feels like and how you will feel while giving it.  If you don’t see it yourself, it won’t happen.  Most presentations can be dramatically improved just by investing time ahead of the presentation to visualize a successful outcome.

4. Master the Material

Invest the time to know what you are presenting.  Invest time to rehearse several variations of your speech.  Rehearse your speech as if something goes wrong.  What if your PowerPoint goes down, you forget a section in your speech, or someone heckles you?  How will you react?  If you know your material well enough, you will be able to overcome any presentation challenge.

5. Master Your Public Speaking Mind

During a group coaching session, a presenter started speaking, made a mistake and promptly announced, “I hate speaking in public!”  In this instance, she did not manage her public speaking mind, and let her fear of public speaking take over her performance.

When you make negative statements concerning public speaking, it will reinforce your fear of public speaking.  Take the time to replace negative statements with positive public speaking affirmations.

6. Take Time to Analyze Your Performance

In most cases, we are our own toughest critics when speaking. Whenever you speak, videotape or audiotape your presentations, sit down, and honestly analyze your performance.  Once you start to record your presentations, you will realize that some of the issues you were worried about aren’t in your speech and you will instantly see areas of improvement and address them accordingly.  As the old saying goes, “The video doesn’t lie.”

Ask for feedback from people you respect and who can give you quality, supportive feedback that will empower you to want apply the feedback in your next speech.  Before your speech, tell the person you ask to give you feedback what your public speaking goals are and what you are working to improve.

Once you analyze your areas of improvement, immediately go out and exercise your public speaking muscle and apply the improvement.

7. Reward Yourself

Reward yourself for any improvements in your public speaking skills.  The reward is up to you, but make sure to immediately reward yourself.

Bonus Public Speaking Secret:  If you forget a word or a phrase during your speech, never apologize and keep speaking as though nothing happened.  Unless the audience has a detailed transcript of your speech, they won’t know what you forgot.  Don’t let the fear of forgetting something in your speech keep you from giving great speeches.

Now, go out and exercise your public speaking muscle to give outstanding presentations.  When you apply the seven secrets to overcoming your fear of public speaking, you will realize more opportunities and gain a new level of confidence.

About this Author

Ed Sykes is a highly sought after leadership, motivation, stress management, customer service, and team building expert, success coach, professional speaker, and author of “Jumpstart Your Greatness.”
You can e-mail him at mailto:esykes@thesykesgrp.com, or call him at (757) 427-7032.
Go to his web site, http://www.thesykesgrp.com, and signup for the free success newsletter, OnPoint.

Article Source:
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What is health Insurance

The main reason why you need an affordable health insurance is to help you plan ahead in case of unexpected costly emergencies. The only way you can accomplish this is to compare prices from most leading insurance companies and also choosing a health insurance plan that best suits you. Back in the days, getting a cheap health insurance plan was simply unaffordable. But these days, individuals, small groups, families and students can choose a health insurance plan that is best for them, e.g. like acquiring a help insurance plan that ensures that an individual suffering from any previous medical condition is not excluded.

Private health insurance plan is totally an unrestricted open market, so those who do not yet have a health insurance plan should consider taking out a plan. For those who are seeking good medical health insurance program, having one is possible through the help of specific companies which specializes in providing health care insurance for individuals and also meeting their requirements and also staying within your budget.

Also for individuals who do not want to use a company, then they can use the internet. One major way Americans get health insurance coverage is mostly through their employers. Many employers them receive health insurance coverage for their workers for a limited time thus enabling them receive health insurance coverage. The internet provides an option for a cheaper health insurance. There are lots of companies that provide all types of health insurance plans, making it possible for you and your family to have a specific reasonable and affordable health care insurance plan. Finding out what kind of reputation the company has and how long the company has been in business is a smart idea.

Having a kind of ideal they have for you is advisable also making sure they have been licensed in your state, because it is of no use getting an insurance with a form which has no license and cant get the exact health insurance you want, many agents will help work hard for you, so you could have an affordable health insurance plan which you and your family could live with without great cost. Everyone wants the best health insurance both for themselves and for their families, but only the best health care insurance can do this with low premiums and full coverage.

What are the advantages of health insurance?

Having the right and the best health care insurance is difficult. In order not to get confused, one needs to decide which the best is by doing his or her research thoroughly. The first step to take includes checking out the credentials and also their past performances of the very company you are considering. Just as on insurance outfits does a background check of individuals before accepting proposals, one should also review the financial status including the customer care services of the insurer, by so doing; you stand the chance to know which health insurance company’s best for you. One major way for you to get ratings of these agencies such as A.M best or Moody’s is by using the better business bureau. Many employers use the health insurance scheme to either attract or even retain their quality employers. The health insurance coverage might be a personal scheme or a group scheme organized and sponsored by the employers for employers who work between 20-29 hours per week.

Companies also do not add cost of fringe benefits alongside health insurance, to the price of their product and service. Over the past decades, the cost of health insurance has increased tremendously, surpassing the general rate of inflation in most past years.

The different types of health insurance includes individual health insurance, affordable employee health insurance which is also known as group health insurance, affordable family health insurance, affordable business health insurance etc, your monthly insurance is determined by certain numerous different things. For instance, most premiums based on or according to your age. So your health insurance rates changes accordingly with the type of health policy you have. If your health insurance is basically for yourselves or your entire family, the procedures must surely have an impact on any quote you are young or advanced in age, self employed receiving health insurance companies will adjust your premium based upon your age and this will also affect the cost of your health insurance.

What are the Disadvantages of health insurance?

Since unforeseen occurrences may occur any time, one will never know when an accident is likely to happen, be it the need to be admitted in the hospital for stitches or a broken bone, you may be in the position to receive help quickly without the worry of receiving a huge bill, unlike when you don’t have a health insurance your credit rating beers all the cost. But you can prevent all this problems from happening and also protecting your credits for your future health financially. Increasing the amount of your health insurance deduction is another way in which you can help make sure your insurance rates are lowered. This higher monthly premium is necessary for anyone who has an existing health problem that requires an extensive medical treatment getting variety of quotes from insurance companies which meets for your health and budgets standards, is a wise decision when selection an health insurance. Searching can be done online and this will have saved you money as well.

Many people feel that they are healthy enough, so they don’t need health insurance because they have never had any major medical problems but one thing to note against the possible health insurance is the protection against the possible health problem that may happen in future. It might happen to you in particular or any member of your family, so why not plan on having an affordable health insurance plan today.

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].

Tell the Truth

Children need to know the basic facts of life, but they don’t necessarily need to know all of the facts immediately. It is important to use discretion in what children are exposed to and told. Children don’t need to know the whole truth about anything until they are of an age when they are able to understand the complexity of the situation. Many subjects are of the nature that parents can continue to build on with additional information. It is like putting knowledge into an intellectual piggy bank. The knowledge keeps building and expanding.

For example, the big one that parents know that they must introduce to their young children to is where babies come from. At age five, children certainly don’t need all of the details, but it is a good idea to introduce the subject of reproduction. Animals can provide logical opportunities. Having pets like dogs, cats and hamsters can help children become accustomed to reproduction; indeed, pets will introduce them to the whole life cycle. Later they can transfer this knowledge to people.

Another example is to be careful what children are told and overhear when parents divorce; children need to know that both of their parents love them and that they will be taken care of. They shouldn’t be exposed to a lot of information about adult problems. When parents are very upset, they can lose track of normal boundaries. Their “truth” is instead opinions and moralistic judgments coming from a victim mentality that is not appropriate for children to hear.

If you start early enough, your children will talk about sensitive subjects naturally. If you have demonstrated that you love them unconditionally, meaning that if they bring up something sensitive you won’t get blown away, they’ll feel safer asking you questions. Make sure that you have given them permission to ask for information, regardless of how sensitive it is. They will be less likely to be ignorant when it comes time to make important decisions. By the way, tell them over and over, that if they ever want to know about something, don’t be afraid to ask. Don’t just say it one time.

Good Values Are As Important As Good Information

It isn’t enough to give children information; they also need good values about the importance of using self-control and respecting for others. They need to know what your values are while theirs are in the formation stage. Do you believe that couples should have babies only when they’re married and financially able to raise children? Or, are teenage pregnancies acceptable to you? When is it a good time to become sexually active? What is bullying? What is wrong with it? What should your child do if someone is maltreating them? Your children need to know your point-of-view. As they grow up, they’ll decide for themselves, regardless of what you think, but they’ll have your values to fall back on until they’re clear about their own. Of course, it is a good idea to not expose them prematurely to people with values that are not in your child’s best interest. Media, such as news or entertainment, that children are exposed to can desensitize children to grossly inappropriate treatment of others. It is important to explain when children see situations where a person is the recipient of violence or other abusive treatment suffers, that what they saw is not the right way to treat others.

Prepare for Transitions

Sometimes there are big changes in families that children need to be prepared for. Unanticipated transitions can be terrifying to children. Examples of the kinds of transitions that children need to be well prepared for are a move to new home or school, divorce, a new sibling, a hospital stay or the pending death of a friend or relative. When possible, involve the child in making plans for the change. This builds on their social/love needs as well as their self-esteem. We all want to feel in charge of our lives no matter how old we are.

If the change is unpredictable and sudden, children need to have special attention (in such situations as a car accident, a disaster such as a house burning down, a death, or a calamity of nature like a hurricane, an earthquake or a tornado). They need a clear explanation of what happened that is appropriate for their age, and to be reassured that they are safe and given words of encouragement about how things will get better again. It is a good idea to return to normal routines as soon as possible, such as mealtime, playtime and bedtime. There will be fewer traumas if parents heed this advice. Parents need to continue to address their child’s continuing fears and heightened need to feel safe and secure. Unfortunately, in really difficult times there is a tendency for fearful adults to go into their own child state and not pay sufficient attention to the needs of children.

Aware parents will notice predictable signs of stress like shock and confusion, fear, anxiety and withdrawal. These may take the form of sleep disturbances, heightened separation anxiety, regression to an earlier stage, anger or acting out resentments. During this time it is good to have children express their feelings verbally, or during play activities with dolls, puppets or drawing. It is important that they get their feelings out in healthy ways, not repress them so that they are sabotaged psychologically in the future.

If the stress reaction does not go away in a timely manner, it is a good investment to take children to a child psychologist that has the expertise in how to help them resolve the issue. It is no different than taking children to a physician when symptoms of ill health are prevalent. The old adage of it’s better to be safe than sorry makes a lot of sense here.

Be Available

The second guideline is to make yourself available to talk about sensitive subjects as they arise. Far too many parents are working too hard, are too stressed or too busy with their own life to make themselves available to talk to their children when the need arises.

“Why do people have to die?”

“Will I die?”

“Where do pets go when they die?”

“What does she mean when she says, ‘I’m a lesbian?’”

“What is an abortion?”

“Why are people so uptight about whether abortions should be legal?”

“What is the Ku Klux Klan?”

“Why is there war?”

“Why can’t people agree and not fight or kill each other?”

“When is using drugs abuse?”

“Is Uncle John an alcoholic?”

“Why are Aunt Tilly’s children in foster care?”

“Why are there homeless people?”

“Where do homeless people live if they don’t have a home?”

“What’s wrong with that man who stares off into space and talks to himself?”

These are a few of the questions that children may think of as they observe their world. However, there are some subjects children won’t think of, so sometimes it’s up to you to bring up the subject that they should know about. If you aren’t sure how to answer these questions, start preparing. What you say will have a lasting impact, and it may keep your child safe.

Bring up the Subject If Your Child Doesn’t

What is pedophilia? Incest? Rape? When is it okay for someone else to touch your private parts – and how and for what purpose? A physician? A stranger, neighbor or relative? Tell children that pedophiles are very smooth talkers; they’re creative. They’re rarely the weird-looking guy who pulls up by the curb and asks, “Do you want to go for a ride?” They can be found where children hang out. They may be coaches, teachers or members of the clergy – even members of your family, which is a really hard one for parents to face, but must be talked about in order to make sure that your children are safe. Pedophiles most often look perfectly reputable. They’re charming; and they love children. They may be hard-working, caring and giving. They are like the rest of us, except that they’re sexually aroused by children and may act on their impulses.

How are you going to protect your children from a pedophile? It is not enough to tell children not to talk to strangers or never to get into strangers’ cars. A “friend” or a family member in the overwhelming majority of child molestation cases is someone that the child already knows. Until the pedophile behaves inappropriately, no one suspects any danger. It’s better to warn and to continuously explain, “No one has a right to touch your private parts unless you say so. Your body belongs to you.”

Help children be self-determined about their bodies. Now, there are exceptions, of course, for example, a doctor or a parent. But what if even these people aren’t behaving responsibly? Teach your child to tell a trusted grown-up and keep no secrets about uncomfortable touching. “If someone, anyone, touches you and it doesn’t feel right to you, tell me or tell someone else you trust.”

Another subject to bring up with your child is what to do in an emergency, such as a fire in the house or if someone passes out. They can call 911 or your local emergency hotline. Explain that the police help people who are in danger, and then show them how to call the police or even the fire department.

Keep What You Say Appropriate to the Age of Your Child

Young children can only absorb a small amount of information at a time, and some information needs to be repeated several times. Knowledge is expansive; you’ll continue to add to what they’ve already learned. What you say to a boy-crazy 14-year-old girl about AIDS is very different from what you say to a five-year-old child hearing the term for the first time. Don’t offer more information than a child can absorb.

As children develop, you will need to expand their knowledge on numerous sensitive subjects. By introducing sensitive subjects early, it won’t feel so awkward later to add to the child’s information than if you try to talk about it with no introduction.

We are fortunate now to have a large body of children’s literature available to parents where an author has researched the best way to explain sensitive subjects to children. The drawings to illustrate the subject have been well thought out and presented. If you want to know more about children’s literature on a particular subject for a certain age range, of course, look on the internet. But a frequently unused expert that you can rely on is the librarian at your local library. They know how to research and find just about anything.

Look for Teachable Moments

A teachable moment is when a child is willing to receive information, such as when there is a situation that needs more explaining. An example of this would be when there is news that several people are talking about such as a new development in the family or the neighborhood. When a child asks for information, it’s generally a good time to discuss a sensitive subject. There is an endless array of news items about celebrities that your child will be exposed to that will open the door for you to talk about sensitive subjects.

Of course, if a child asks where babies come from while you are in an awkward social situation, like having the boss over for dinner or at a wedding, simply set a time to discuss the subject when it is more private. If the child asks at a time that you are unable to adequately respond, say that we will talk about it later, and then don’t forget to do it. Two people have to be ready to communicate — not just one. This also applies to times when you are totally unprepared to answer intelligently. Say, let me think about this, I’ll get back to you.

The best techniques to use in talking about sensitive subjects is to use receptive listening when your children express their views and feelings, and use “I-statements” when you express your own.

Jayne A. Major, Ph. D. is the author of Breakthrough Parenting: Moving Your Family from Struggle to Cooperation which she has taught for the last 25 years. Please visit http://BreakthroughParentingOnline.com for more parenting resources including online parenting classes and community.

While in school we are taught a for apple, b for ball and such stuff, the school of politics of India has entirely different teaching. Here is how it looks like:

A for Aam Aadmi: India is very diverse country with all major religions, various languages, caste living in one country. But chiefly there are only two set of people. Aam and Khaas. aam includes 99% of people of India while khaas includes top business and corporate heads, IAS, IPS and political brass. Of course with their families. So since aam aadmi is majority, Indian politics runs of claims of doing wonders for aam aadmi and ending up doing wonders for khaas!

B for Babri Mashjid:

It is very sensitive issue involving two major religions in India. Hinduism and Islam. But for Indian politics babri is important issue to divide and get votes. Secular takaat is defined by those who didnt participate in babri and communal are those who did participate.

While this is fading into being no issue with urban masses but it still continues to form psychic of people who actually vote.

C for Caste:

Not important factor is metros and mega cities, caste is still a very important social issue and form basis of votes. Mayawati’s social engineering concept and her massive victory showed how caste matters in politics.

D for Delhi:

Its dream of all political parties. Har karam apna karenge ae kurshi tere liye is slogan of all. Now just Indian politicians, a defense expert according to pakistanis and comedian according to Indian, Zaid Hamid also dreams of ruling delhi someday!

E for Election Commissioner:

A person who is not liked by all political parties but are left with no option but to obey his orders!!!!!

F for Farmers:

Farmers committing suicide is blamed on previous government,farmer loan waver is taken credit by all. Sugar cane price becomes issue for which all political parties try to take credit

G for Gandhi:

No. Its not mahatma gandhi. Mahatma gandhi is for 2nd october and international branding. For Indian politics gandhi is indira gandhi, rajeev gandhi, sonia gandhi and rahul gandhi. Ohh i forgot priyanka gandhi, varun gandhi and ofcourse menka gandhi.

If its congress politicians, pledge loyalty to sonia gandhi and rahul gandhi is obligatory. If politician is from other party opposing this Gandhi family is number one thing.

H for Hindi:

Ask raj thakeray and abu azmi, how a language can be made into issue and score political points using that.

I for Industrialization:

For details ask communist on singur issue!

J for Junta:

Faceless community which can be manipulated, divided and used for political mileage.

K for Karunanidhi:

One cannot make government in delhi without his support. UPA has it, NDA had it. Karunanidhi is ingredient without which no political collation recipe seems complete.

L for Lal Krishna Advani:

He dreamt of becoming prime minister but that dream was never realized. Lal krishna advani would be judged in history of modern India who practically polarised the votes by his babri campaign.

Lately he tried to correct his image but he could never succeed in it.But even after retirement he would be part of indian politics being in psychic of Indian voters, specially right wings and minorities.

M for Madam/Mamta/Maya:

Dial M for Indian Politics. Indira gandhi was one big madam of Indian politics and now we have mayawati, mamta and madam sonia gandhi. Indian politics has had femine power which has potential to rule. They can be bully at times, they can be ruthless at times but largely they are good for running their parties giving one success after another.

N for Naxals:

Naxals is said to be biggest threat to country. But for political reasons effective counter naxal strategy becomes difficult to be formed. Lalu blames communist who blame mamta who blames again communist. So its merry go round and naxals keep on striking.

They are india’s taliban. While taliban of pakistan want to implement their version of a holy book, naxals want to implement their version of holy book called mao, marx and lenin theories.

O is For Opposition:

A position in parliament which gives license to go for rampage. A position which is not liked to be held by any party and goal remains to get out of this position at any cost.

P is For paisa, power and parliament:

While goal is to reach parliament, the other two Ps are side product of reaching parliament and for some main goal.

Q is For Quitting Party:

Ability to quit party and forming own party is key to political success. But it can back fire too. Famous and successful quitters are sharad pawar, mamta banerjee, chandra shekhar and upcoming is raj thackeray.

R is For Regionalization:

Divide and divide and divide. Golden mantra of Indian Politics since eternity. Why only maharathi manoos?. Manoos for every state and win state election, send one or two mps to center, support center government and get job done.

S is For Secularism:

A term which is undefined in Indian politics. While official definition means position that religious belief should not influence public and governmental decisions; The related political belief in the separation of religion and state but largely secularism in India is used as term to keep right wing out of government. Often countered by right wing by word calle pseudo secularism.

T is For Terrorism:

Terrorism is not modern phenomena but lately this has seen rise in leaps and bounds. Weak government, strong government, terrorism and religion etc are important political issues.

U is for Unity under Obligation:

Other name is coalition which is practice of current Indian politics.

V is for Votes:

Vote ka mamla hai dilbar, khalbhali hai brain ke andar. Votes is right given to people to pass verdict about who would rule them. Votes designed to give power to people has been nicely used by politicians. Those who understand are lazy enough to vote and others who vote are lazy enough to understand!

W is for Wealth:

No need to elaborate. In time of recession one business strives.

X is for X-Factor:

This x-factor is unseen factor which has largely remained undefined. Is it charisma or is it in born?. Good speakers but bad implementers or ability to loose memory once elected. Its something in politicians that make them impossible to be ignored, impossible to give up and impossible to remember their election promises.

Y is for Yes Sir/Madam:

The ability to re assure leaders of respective parties about loyalty, about their way of thinking and in turn being able to survive in highly lucrative career.

Z is for Zero Hour:

An hour designed to raise questions to government and not infamous for absenteeism in parliament.

Link: A To Z Of Indian Politics

Indian Sawaal Is Blog Dedicated to bring into light all that is important for India. It would discuss Indian politics, terrorism in India, war on terror, indo-pak ties, social issues, crime, demographic dividends.

Unless you are one of those people who tend to stick their heads in the sand, ostrich-wise, there are not many computer savvy people who don’t know what a blog is. However, for the ostriches amongst you, a blog is an online journal where any person online, if they choose to, can write about their experiences, concerns, opinions and ideas and then post this personal record online where all the world can read it. Nowadays there are innumerable blogging sites, specific websites designated to publishing personal blogs and nothing else.

All Blogs are Different

Blogging has come a long way since it was first introduced. There are many blogging websites which have the facilities to include your audio or video files with your blogs. As you read through lots of different blogging sites you will notice one thing that all blogs have in common: that is, they are all different! They each follow different text layouts, a range of styles and a choice of formats, as well as using a diversity of settings.

You are the Author

When you write a blog for publication the final choice as to how it looks after publication is up to the writer – i.e. the blogger: in other words, YOU! So, when you write your blog, include pictures, hyperlinks, unbroken texts, audio, video – whatever you want to include to personalize those thoughts and opinions you are intent on putting into online print. You may prefer to record your thoughts and ideas as words rather than writing it down and then add this audio recording to your blog. This kind of blog is called audio blogging.

The Shape of your Blog

Templates designed to be used for blogging are essentially very simple and you can add new pages without having to perform mental calisthenics! Each template has been designed to fulfill specific settings so that it is extremely easy for bloggers to get on with blogging which is what they are interested in and forget about the complicated bits. Almost all blog template designs have fixed spaces for you to slot into place your title. There is then space left for you to insert your actual blog.

Incorporated into this part of the page is a place for backtracks which enables other websites to link back to the blog you are writing. Each blog you write acquires its own URL once it has been written and published. This is referred to as a permanent link. Finally, at the end of your blog the template allows for comments, offering readers a means to post any comments they might have back to you so you can take on board what your readers might be saying about the subject you have written about, or even how they feel about you – the writer of this particular blog.

A Choice of Templates

Of course, to blog you do not actually need to use a pre-defined template but, if you are new to the world of blogging, then you will certainly find there are certain advantages to choosing an appropriate template design. Nowadays, all the blogging websites – and there are many of them – offer the prospective blogger a wide range and diversity of template designs; one for every situation, in fact.

How to Get Published

Getting published is as easy as falling off a log – no matter how much of a novice you are to the blogging fraternity. Simply ‘Google’ blogging websites and then take your pick as to which ones to join. Your first step really is in choosing which websites you wish to deign with your web presence. Immediately your membership has been approved – a mere formality – you will be a fully accepted member of that particular blogging community.

This enables you to peruse through the blogs supplied by fellow members of this community, incorporate those blogs into yours through embedded linking as well as being able to offer your own comments, opinions and criticisms to any blog you have read within the community you are now a member of. Furthermore, you have full and equal rights within this community to write your own blog and have it published.

Specific Themes

For those of you who follow a specific sport or who is an ardent supporter of a particular actor’s career; maybe you are a Royalist and enjoy following the antics and nefarious activities of some of the more infamous members of the royal families around the world; or, perhaps you are of a more serious and academic style and have an inherent desire to read about all things medical: whatever your chosen interest, there is a blogging community specifically for you.

Once you have found that relevant community and become a member, you can read other blogs and write about your own interests within that specific theme to your heart’s content. All blogs appertaining to that subject and topic matter will be accepted for publication. In fact, blogging has become an entrepreneur’s paradise and an ideal way to market their goods and make money.

From Advertising to Education: blogging makes it happen!

You may have just had your very first novel printed – but, since your income from this novel is directly dependent on the number of books you sell, how do you get the word out? The answer is through blogging. Are you involved in direct marketing informational products online? Again, blogging is the answer to get the word out and about. In fact, there are few places where blogging fails to play its part.

Even in the world of higher education there are going to be students who, for one reason or another have missed a vital class. How do they catch up on the work they have missed? You’ve guessed it – following each class the lecturer arranges for their teaching blog to be updated, with a piece of the lecture presented in blog form for the benefit of missing students.

A Vital Means of Expression

Clearly the blogging phenomena has caught the imagination of everybody from politicians to policemen with just about every other person and his dog writing about their everyday lives and the antics of that said dog, along with blogs now heralded as an opportunity for revealing personal expression as well as keeping the art of writing alive and well. The majority of people treat their individual blogs as a personal rant and cant against the stress their daily lives generate, an opportunity to criticize the government and its policies and generally let off much-needed steam.

This vital means of expression creates a community of like-minded people who can all interact amongst the other people belonging to each blogging community, generating an online community that has replaced many of the social communities displaced by modern city regeneration and the mobile job market fracturing traditional societies as nets are cast far and wide in an ever-widening search for scarce and scant job opportunities.

Where Weblog Rules, there are no Rules

What started out as an online journal known as a weblog soon became abbreviated to blog as its popularity increased all over the world. Blogging communities became the normal way of addressing people’s need to interact with others sharing a similar mind-set and similar opinions. Blogs became the 21st century’s answer to man’s need, as a social animal, to intermingle and exchange ideas with others. One of the benefits of blogging is the fact that there are no rules to inhibit either reader or writer of blogs.

The majority of blogging websites are free to use and, for the members of each blogging site, the word ‘free’ extends to the manner in which blogs are written. In other words, no format is considered wrong and, similarly no style or manner of writing is considered better or worse than any other. The true essence of a blog is to get the idea over to the reader; information the blog writer wants to impart is presented from the blog writer’s heart: that is all that is important for the dedicated blogger.

Benefits of Blogging

The true benefits of blogging is that there are many of them and they are usually free to use. You can consult a blogging directory if you are concerned with finding specific themes. Themes will be organized and collated according to subject and theme, in much the same way that a business telephone directory is organized. Blogging is now such a widespread and popular activity that it is simple to get started and quite easy to find a suitable blogging community to belong to. In fact, you can join as many blogging communities as you want to, each with a different theme – or simply blog on a daily basis using a generic blogging site and the most basic template design. The fact of the matter is that blogging is intended to be straightforward and simple to get involved with and, overall, amongst the blogging communities, there are no rules to adhere to: happy blogging!

Peter Fitzgerald has been involved in online, affiliate and internet marketing for over seven years with various projects. He freely admits that he was knocking his head against the wall for the first three years. Success came to him some five years ago after taking a six month break in order to study the subject of online marketing with some of the leading authorities on the subject. Peter says: “Investing in my self to improve my worth to others is the most profitable thing I ever did.” Peter now spends his time writing successful blogs and fully understands the meaning of blogging. He also enjoys article marketing, finds both activities compliment each other.

Stress is the common problem these days for many people due to the changes in life style and the aggressive career goals. Many of us forget the stress built within us while chasing our dream of earning money to have a better life. To get peace of mind while we fight with this aggressive life style, many of us choose various relaxation methods. Playing games is considered as the best option since it relaxes the mind in a very enjoyable way. Tennis is one of the favorite games for many people which gives a complete body workout and helps in maintaining the body health as well. The game not only relaxes the mind, but also gives a stretching relief for the body.

Tennis being one of the most popular games around the world, individuals begins playing the game pretty early. As a result, more and more people line for playing. However, with the lack of space, most have to go through long queues and endless waits before they get a change to hit the tennis ball around the court. Public tennis courts are a few in number and so if you too are tired of waiting or never seem to find an empty court, you could consider building a backyard tennis court.

A backyard tennis court is a great solution for every tennis buff. And converting the backyard into a tennis court is a really cool idea as well! Whether you go for a grass court or a concrete court, you will have plenty to choose from and your dreams of having a backyard court could become a reality in no time. It is always great to have a play area at home, where you can spend considerable time of your day in the game and get the stress relief as well.

If you are lucky to have a backyard that’s big enough to house a court, you should immediately begin looking at data as to how to build a backyard tennis court. It is no secret that some of the most fames tennis stars of recent times had always enjoyed the services of a backyard court while growing up. From Andy Roddick, Lleyton Hewitt and the great Andre Agassi, everyone grew up playing tennis at the backyard tennis court. So if you too want to give support to your children who show immense talent in the sport, consider building a backyard court.

Planning For Backyard Tennis Court

For a grass backyard tennis court, what you need is a flat surface. If your backyard is big enough to hold a 78 by 36 feet tennis court, nothing like it! However, if you have a smaller backyard, go for a court that’s 27 feet wide. That would serve as a good singles court. Once you have the space,

• Get rid of all the obstructions huge stones, pebbles, bushes, debris, junk, etc.

• Reverse the soil with the help of a spade or shovel. This will help expose the fresh soil from underneath and will also help trim out all the extra, dead and dry grass.

• Rent a roller and take it around the playing surface. This will help harden the playing surface and make it level as well. You can hire a roller from the local hardware shop.

• Once you have leveled the ground, sprinkle grass seeds and with proper watering, you will see fresh, new grass appearing in no time, just the perfect beginning for your very own backyard tennis court.

• After the grass grows to a height of 19 mm, which is the height required for playing, you could start marking the area with the help of spray paints.

• The next step would be to a buy the net and install it. Take care while installing the net. Fix two poles on the adjacent sides to which the net will be tied. The net needs to be absolutely straight and uptight. Once equipped with the net, you will have successfully transformed your regular backyard into a sprawling court.

Construction Of The Tennis Court

While a grass backyard court is simple to set up and maintain, for areas where grass does not grow easily, concrete backyard tennis courts are the preferred choice. Concrete tennis courts are also heavy-duty, can be looked after easily, and are anti fracture. However unlike a grass backyard tennis court, constructing a concrete backyard tennis court is not very simple and therefore it is recommended that you consult an expert for it. There are a lot of construction firms that specialize in backyard tennis courts and it will do you good to seek their services. Before consulting the experts for the construction, you will need to collect a lot of information like the area space details, any other affecting factors like water, electricity etc… and most importantly your budget. Based on your inputs for the construction of the court, the construction companies give the plan and the estimation for making the backyard tennis court. It is suggested to consult with more than one consultation firm to make the your dream backyard tennis court.

For Tennis Career People

If you want your child to grow up and take tennis up as a profession, it is highly recommended that you get a backyard court. If you have the space and the resources, definitely go for it. A lot of the top tennis coaches of the country have always suggested that for a player to flourish later on, it is important that training begins early. And what better place to train than at home! Setting up a well planned tennis court at home will give flexibility for you and your children to practice the game anytime in the day. You can find a lot of tennis coaches available for training the players at home and give great tips to excel in the game. Having a backyard tennis court is always an added advantage to get an effective training from a home training tennis coaches.

Factors To Consider

While building a backyard tennis court, you should, however, be cautious about a few things. The neighborhood you live in could play a very vital role. If you have nice, friendly and supportive neighbors, then well and good! But if your neighbors are troublesome and like picking arguments, you may have to face a lot of problems. A lot of complaints are heard from neighbors of people who have backyard courts and how the light and the sound from the backyard tennis disturb them. Sometimes, if you play at night, you may have to use floodlights, and that often causes a lot of problems for the neighbors. Also, the constant, monotonous noise that a tennis ball machine makes can be very annoying for the people around you. So before you install a backyard court, make sure you have the neighbors on your side and thereby prevent any future misunderstandings and obstacles.

Budget And Time For The Construction

Building a backyard tennis court may seem simple, but before you embark upon the project, you need to sort out important issues like your budget, the time you are willing to devote, and so on. Budget is a very important consideration and the overall look, design and sturdiness of the backyard court will depend on the amount of money you will spend on it. So sit down and chart out a budget carefully. See how much money you can spend and where you want to spend it. Also, building a backyard tennis court will take up a lot of your time. Be sure that you will be able to devote that much time to the project; else the project will get completed with numerous flaws. You will need to check with the construction firm for the construction methods they follow and how they deploy the planned project. You can check their previous experience in making such projects, find their delivery time and can estimate how well and faster your dream court can be made.

So build a backyard tennis court that will not only give you the opportunity to play tennis and remain fit, it will also be a great place where you can have complete family activities at anytime of the year! Having our own tennis court at home gives lots benefits in having a joyful time with the family together at the play area, enjoy the game and have a wonderful time together!

Swati is a freelancer, a work from home mom, who loves to write. She is a postgraduate in English and an MBA. She has written on practically every niche on the web. She writes articles, blogs, web pages, reports, press releases, product descriptions, eBooks, sales letters and newsletters. Visit Swati’s blog at http://swatibanerjee.wordpress.com now if you need content for your business or personal needs.

Career test is a great tool to define your career choice. If you are not satisfied with your job this tool can help. Since job satisfaction is the way to a peak performance it is critical that you choose a career that offers yourself every opportunity to excel. And career assessments are the answer when it comes to selecting the perfect career. Assessment tests use a series of questions about your interests, about your style of working, and how you interact with other people. Questionnaires are an important part of career assessment tools. These questionnaires and their scoring system were rigorously designed to provide the most accurate results.

Testing methodologies vary but in general, career tests ask a battery of questions that attempt to distinguish many things. They clarify your interests as well as match your skills and competencies to specific fields. They try to identify your strong points and individual work style to determine whether you like certain jobs and if you will be successful in that position. One popular type of tests is career aptitude tests. These tests measure your skills you have learned so far in life and your areas of potential.

A personality test is another type of career assessment tests. They help discover what your work personality is and find a career for you by performing a research on hundreds of careers. If you spend some time taking a career personality test or two, you’ll get several career options to help you consider how they may fit with your personality.

Career testing programs can assist young professionals, mid-career professionals, seasoned professionals and high school & college students to find the right career for each individual. When you take a career quiz you may be surprised at what your test reveals, especially if you have been in your current career for many years. Quizzes cannot provide magic answers but they help you to have a better understanding of your vocational identity and thus to seek and generate additional career options. They help you scan a wider range of possibilities than you might be able to imagine on your own.

If you want to change career, taking some career change tests can help you choose your ultimate career choice. Using many career options that you get from various career tests you then search your soul and ask yourself some tough questions to determine which career is right for you.

Paul Sarwanawadya offers career change advice to help career changers pursue their ideal careers. He runs an informational website that provides tips on taking an online career test for midlife career changers. Please visit http://www.career-tests-guide.com/ to get more quality career test information.

The thought of writing a resume intimidates almost anyone. It’s difficult to know where to start or what to include. It can seem like an insurmountable task. Here are 15 tips to help you not only tackle the task, but also write a winning resume.

1. Determine your job search objective prior to writing the resume. Once you have determined your objective, you can structure the content of your resume around that objective. Think of your objective as the bull’s-eye to focus your resume on hitting. If you write your resume without having a clear objective in mind, it will likely come across as unfocused to those that read it. Take the time before you start your resume to form a clear objective.

2. Think of your resume as a marketing tool. Think of yourself as a product, potential employers as your customers, and your resume as a brochure about you. Market yourself through your resume. What are your features and benefits? What makes you unique? Make sure to convey this information in your resume.

3. Use your resume to obtain an interview, not a job. You don’t need to go into detail about every accomplishment. Strive to be clear and concise. The purpose of your resume is to generate enough interest in you to have an employer contact you for an interview. Use the interview to provide a more detailed explanation of your accomplishments and to land a job offer.

4. Use bulleted sentences. In the body of your resume, use bullets with short sentences rather than lengthy paragraphs. Resumes are read quickly. This bulleted sentence format makes it easier for someone to quickly scan your resume and still absorb it.

5. Use action words. Action words cause your resume to pop. To add life to your resume, use bulleted sentences that begin with action words like prepared, developed, monitored, and presented.

6. Use #’s, $’s and %’s. Numbers, dollars, and percentages stand out in the body of a resume. Use them. Here are two examples:

• Managed a department of 10 with a budget of $1,000,000.
• Increased sales by 25% in a 15-state territory.

7. Lead with your strengths. Since resumes are typically reviewed in 30 seconds, take the time to determine which bullets most strongly support your job search objective. Put those strong points first where they are more apt to be read.

8. Play Match Game. Review want ads for positions that interest you. Use the key words listed in these ads to match them to bullets in your resume. If you have missed any key words, add them to your resume.

9. Use buzzwords. If there are terms that show your competence in a particular field, use them in your resume. For marketing people, use “competitive analysis.” For accounting types, use “reconciled accounts.”

10. Accent the positive. Leave off negatives and irrelevant points. If you feel your date of graduation will subject you to age discrimination, leave the date off your resume. If you do some duties in your current job that don’t support your job search objective, leave them off your resume. Focus on the duties that do support your objective. Leave off irrelevant personal information like your height and weight.

11. Show what you know. Rather than going into depth in one area, use your resume to highlight your breadth of knowledge. Use an interview to provide more detail.

12. Show who you know. If you have reported to someone important such as a vice president or department manager, say so in your resume. Having reported to someone important causes the reader to infer that you are important.

13. Construct your resume to read easily. Leave white space. Use a font size no smaller than 10 point. Limit the length of your resume to 1-2 pages. Remember, resumes are reviewed quickly. Help the reader to scan your resume efficiently and effectively.

14. Have someone else review your resume. Since you are so close to your situation, it can be difficult for you to hit all your high points and clearly convey all your accomplishments. Have someone review your job search objective, your resume, and listings of positions that interest you. Encourage them to ask questions. Their questions can help you to discover items you inadvertently left off your resume. Revise your resume to include these items. Their questions can also point to items on your resume that are confusing to the reader. Clarify your resume based on this input.

15. Submit your resume to potential employers. Have the courage to submit your resume. Think of it as a game where your odds of winning increase with every resume you submit. You really do increase your odds with every resume you submit. Use a three-tiered approach. Apply for some jobs that appear to be beneath you. Perhaps they will turn out to be more than they appeared to be once you interview for them. Or perhaps once you have your foot in the door you can learn of other opportunities. Apply for jobs that seem to be just at your level. You will get interviews for some of those jobs. See how each job stacks up. Try for some jobs that seem like a stretch. That’s how you grow — by taking risks. Don’t rule yourself out. Trust the process. Good luck in your job search!

Copyright 1999 – 2004 Quest Career Services, LLC. All Rights Reserved.

Ann Hackett is the President and founder of Quest Career Services, LLC (http://www.QuestCareer.com), an online resume writing and outplacement services company. Ann can be reached at ahackett@QuestCareer.com or 952-929-4197.

Have you always had a passion for cars? And often thought of having your own business? The time is now to check out the many automotive franchise opportunities available with little start up investment and plenty of rewarding benefits. The number of franchises is increasing as more consumers realize the great earning potential and appeal of becoming a business owner. There are many automotive franchises available catering to various kinds of car maintenance, repair and sales depending on your individual preference and interest.

With franchise opportunities ranging from windshield repair, oil changes, auto parts and even automotive insurance, there is sure to be one that is right for you. While there are several considerations in determining which automotive franchise would be the most suitable, the benefits of purchasing your own franchise are clearly favorable. Just imagine how satisfying it would be to go to work each day knowing that you are your own boss and the business that you operate is your own.

Which Automotive Franchise is the One for You?

There are many factors that might be important as you decide if an automotive franchise is the kind of business that you want to purchase. If you enjoy the busy shop atmosphere and have a special interest in cars and the many aspects of the automotive industry, a franchise in which you can invest and build a solid, long-lasting business that is car-related, may be the one you are looking for.

As well as the general type of franchise, you may also want to know what kind of investment and initial start-up costs are associated with purchasing an auto franchise. Many of the top car franchises available require minimal up front costs. For example, a Novus Glass Windshield Repair franchise has initial investment costs starting at only $14,900. This is very affordable and provides limited risk when you consider the popularity of this kind of franchise and the potential business and profit as it grows over time. If you are more interested in automotive accessories, you could purchase a Millennium Plus franchise in which you become a GPS distributor with an initial investment of just $10,000 and you can even run your business from your own home!

While there are many automotive franchises available at very reasonable investment costs, there are also plenty of other franchises that offer solid and proven earning potential with the added assurance of owning your own business and boasting a brand name service. The initial start-up costs may vary but the decision to become a franchise owner puts you in a very advantageous position from day one. Since today’s consumer often seeks businesses with familiar names and a good reputation, a franchise may be a wise investment since the brand name provides an immediate client base. Although there is definitely a great deal of work and determination necessary to build your franchise into a strong and thriving venture, you need not start from scratch as you would with a non-franchise business.

Other Important Considerations

Deciding on the particular auto franchise may be one of your first considerations but learning about various other aspects of having your own business may be just as important. Being a franchise owner has a number of benefits. From taking advantage of the franchise name, to the potential income potential, the benefits are many.

When you purchase an automotive franchise, you automatically access a complete and proven business operating system that covers virtually all aspects of operating that particular franchise. Essentially, the framework is already in place and the franchise will provide extensive instruction and support before, during and after your purchase. After all, it is their name and reputation that comes with your franchise and all legitimate franchisers want to ensure that your business represents their company in a strong and positive way. Their ongoing interest and training keeps you on top of the latest franchise information and up-to-date with any changes or new company initiatives.

Franchise owners pay pre-determined “royalties” to the franchisers depending on the size and income related to the car franchise. Before purchasing your own, make sure that you discuss all these operating details and get it in writing. Reputable franchisers will have no issues in providing this information and will be very willing to explain the system fully and answer any questions that you may have about any of the business aspects of your auto franchise. There are also some legal considerations as well and these should be reviewed carefully as you decide whether your own automotive franchise is the business for you.

Location is another consideration that may be crucial in determining if a car franchise is feasible as well. Some of the current franchises available may be operated from your own home. So you must decide whether you have adequate space and if it would be possible to run your own business with your home as central base. Some of the bigger franchises require a larger location that would not be appropriate as a home based business. Automotive franchises such as a Meineke Car Care Center or Eagle Transmission involve greater space requirements and significant amounts of equipment that would simply not be suitable for a business at home.

Something to Think About

Is an automotive franchise in your future? The benefits are clear as the strong base and proven potential for success in franchise ownership in the industry gains attention worldwide. Making the decision to purchase your own franchise is indeed a huge responsibility but it may also be the answer to your desire to experience business ownership and the ability to work for yourself.

Ultimately, an automotive franchise has many attractive features and it is definitely a franchise that could generate a significant amount of business since most consumers own or operate vehicles. So, the need is there. An automotive franchise may be a great way to tap into that earning potential. If becoming a business owner in the automotive industry appeals to you, a franchise may be exactly the way to a bright and profitable future!

Research automotive franchise opportunities, including franchises for sale, at Franchise Gator!

Automotive technical schools are specially designed to prepare students in the automotive field as professional automotive technicians. During the past decade, the number of automotive technical schools has increased manifold and most offer unique specializations. The automotive industry is not just confined to engines and repair work; opportunities are diverse. With the automobile industry at an all-time high, job opportunities in this field are many.

Automotive technical schools offer a wide range of career programs in the areas of fuel and ignition systems, engines and repair, brakes, power trains, electronics and diagnostic equipment, transmissions, auto electronic fundamentals, custom motorcycle body fabrication, collision repair and refinishing, emission testing, and much more. Some of the common programs to be found in the automotive technical schools include automotive technician training, collision repair and refinishing, diesel and industrial technician training, automotive service management, and mechanical drafting design and CAD technology.

Based on the courses, students finishing automotive technical schools are awarded diplomas or degree certificates. Almost every automotive technical school boasts experienced and highly qualified instructors from the automotive sectors. The fees at most of the schools are a bit high but financial aid packages are available at most schools.

Besides full time programs, online and distance education programs are provided by automotive technical schools. Online courses are particularly designed for those who are working full-time and can’t attend regular classes, or for students who wish to study from the convenience of home. Automotive technical schools provide online programs in a variety of fields. These include automotive and diesel technology, auto body repair technology, career development training, fuel, and emissions control systems, and ignition systems and functions.

Before enrolling into any automotive technical school, always check whether the school or college you selected has an accreditation. Also, make sure that the college can provide you with the best technical assistance that covers all your needs. As new cars are becoming more and more complicated, always choose an automotive technical school that teaches latest technological advancements.

Technical Schools provides detailed information on Technical Schools, Vocational Technical Schools, Automotive Technical Schools, Diving Technical Schools and more. Technical Schools is affiliated with Vocational Technical Schools [http://www.e-VocationalSchools.com].

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/.

I worked at a Profession that was a Family Tradition my entire working career.

I started out working after class got out, every day through High School, while a Teen.

After that, I went to College during the Mid – Seventies.

• Through the years, I was simply too caught up making a living to realize what else I would enjoy doing.
• The money and benefits were good, so I stuck with it until I retired.
• I have always had an interest in Psychology and Writing.
• There was this prevailing Feeling within, constantly reminding me to follow my Heart and choose a different Profession.
• I never knew what that would be, until recently.
• Do any of the above Ring true for You?
• I decided that if I were to do a Midlife Career Change, my Career Choice would have to be one that not only inspired me, but could be worked at directly from home.

I was able to take an early retirement at age 55. I desperately wanted a change in career. I was searching for something I would have a passion for doing. I wanted to do something on the Internet, but did not know what I wanted to do, or how to go about doing it.

I searched and searched, and ended up confused and completely frustrated with the information overload I absorbed from the Web.

I recalled all those Career Assessment Tests I took way back in College. I remember one test told me I had the personality traits of a Bus Driver and College Professor. Interesting… I had forgotten what the other tests told me about me.

I was looking for something I could do on the internet as a business. I went to various Career Test Websites and took some of their practice tests to see what my aptitudes were.

I did not come up with any suggestions I favored. These Tests were free tests I took, but each one told me something different about myself. There did not seem to be any consistencies I could recognize.

So, maybe you want a Second Career too. But, This time around, you want to do something you are Passionate about. Why do it any other way – Especially, if you did not like your previous profession that much? You do not want to choose something to do you will not like doing again, right? You want to Love doing it this time. Now is your chance to do it right.

Maybe you are a bit UNSURE about what it is you would fit into as a brand new career. No problem. There are Career Assessment Tests you can take that can help you. There are also Free Tests, but you have to be careful. If they are not researched and Scientifically validated tests, the test results may not be as reliable as you would like.

You could end up choosing the wrong education and training for a career you really don’t have the interest or aptitude for. The Test may say you are more of an Artist type, when in fact you love Public Speaking and are an Extrovert. This potential Career Mismatch could mean a lot of wasted time, effort, money and one big disappointment and heartache.

Teens looking for their first job, and someone making a Midlife Career Change may have something in common. They may be both unsure about what it is their passion resides in. If you are middle aged, you have an advantage, that you at least have had a career or two under your belt. A teen may not have even been employed once.

If you already know what your passion is, fine. But, if you do not, you will have to search yourself for it. Discovering Mine came late. But, Better late than never. Find your passion and Verify it through the Sounding Board of a Career Test. This will Make Certain you have the Career Aptitude and Working Personality for doing the Career Choice you have in mind. You can always receive training and the schooling to fit your passion and make it into a Career Reality.

You Do Have Options…

• Find out what you Love to do or are Passionate about, be it a Hobby or any Special Interest.
• Then take a couple Career Aptitude and Personality Assessments to reality check the possibility of turning it into a Career.
• Study the list of compatible careers in the printable read out which they will give you after you take the Career Test.
• If the tests you take are Scientifically Validated and Reliable tests, the suggestions and results from the various tests will collectively parallel each other.
• In other words, you will start to hear the same things ringing true about your skills, abilities and interests over and over, as they pertain to certain repeated Career Recommendations.
• Do the research about what the Job Duties are for your Dream Job, and judge for yourself if you are going to like to do them or not.
• Visit and talk to those people within those jobs. Get it first hand from those who know the best.
• Weigh all outward Data received against your inner Personal Core Values.
• Know How much all the training costs, where it is and how long it will take to complete.
• Figure out how you are going to put your plan together. Make a strategy with small doable goal steps to pull the entire plan into one big clear picture.
• Will you work at your old job and train for the another in your spare time? It has been done, and it still can be. You can do it if you make it one of your personal priority career goals.
• You can also create a budget plan, if times will be on the lean side while financing your new career training.

To Change Careers or Not

You don not have to make a Mid Life Career Change at all. You do not have to do anything but what you want to do. You can keep things just the way they are. It’s your life, live it your way. Chances are that if you are here now, you want another career.

But, You do have options. All we need to do is examine them. The most important thing to do is to examine you and question how you feel about you, your life, the world and where it is you think you want to fit.

What things do you want out of life at this point? You could have made a name for yourself in your last career and made your money, raised a family and now you wonder what to do next?

You may not even need to work. Maybe you want to work and find that last career that represents who you are. You want a career change for what it will mean to you. You seek meaningful employment more than the money.

Chances are that you continue to need the extra income, but either want to retire or quit what you’ve been doing for the last 20 or so years because you have had enough of it and it’s time to move on. Maybe you want a part time job. Maybe you don’t even know exactly what you want, but you want to explore and see if there is anything out there for you or not.

So, Why even Change Careers to begin with?

Is it because Your Job is Not YOU anymore?

In other words, has what you value in a job changed?

Did you choose your profession a long time ago, and the job became a career mismatch?

Maybe the job doesn’t do it for you anymore. Maybe it’s a boring, not challenging, tedious, energy draining job, etc.

Maybe there Is there no single reason other than you simply want a change. That’s OK. Maybe you are just tired of doing the same thing for over twenty years. This is OK.

You could be going through a Midlife Crisis where you are beginning to question a few things about your past and present life.

Statistics show that it is not uncommon for people change careers at least three times in their working years.

Why not change careers, what’s the problem?

It’s not like you are Married to it, right? There are similarities though, like familiarity, security and predictability. You know what you have to deal with on a daily basis and there are usually no surprises. On second thought, Maybe in a way, we have become Married to our Jobs. But the question is, is it a happy or unhappy Job Marriage?

There is a lot to making a Midlife Career Transition happen. It’s harder adjusting and doing everything related to changing your career than when you were young. Everything is harder now. Maybe you don’t even feel as good as you did and do not have the energy you had. That’s probably why some don’t do it. The new Career takes researching, job interviews, training, returning to school, or possibly working part time in your newly chosen field to see if you like it or not. You may even be worried about age discrimination, finances for training and living expenses. It takes a lot of effort and energy. Maybe you would rather not. All this is even making me tired.

Nevertheless, How do you take an inventory of YOU if you would like to make a Career Change in Midlife, but are afraid to do so. Start Thinking about those skills or jobs you like doing. Also, think about those jobs or duties that you don’t like to do so you know what to avoid. What Hobbies or special interests draw out the passion in you. Who says you can’t turn a hobby into a full time job? Did you have any part time jobs you liked in the past? You can even go so far as to try to remember what it was you wanted to do when you were a kid – A Doctor, a Lawyer?

If you are over 55, you have to admit that some professions are probably unattainable, because you don’t have enough time left to live. You may not want to go to school again for another ten or so years and then build up your business or practice through time – Which is another story in itself.

Thankfully, There are Careers in between – Some that require technical school training, or certification. These Careers don’t take near as long to master. Again, it depends on what you are willing to do in order to get the new career you want. It is never too late to go to school for ten years if you want to, and it is your life to spend any way you wish.

• Remember – The older you get, the wiser you have to be about where and how you spend your remaining years.

I am sure someone has decided to become a Doctor or a Lawyer when he was 55 and then began his education. Maybe by 65 he had served his internship and residence and got his degree and started his practice in his own home town. It’s possible.

The question to ask yourself is this – If you really want to do something, and it takes four or more years to get there and you do not start to do it now, where will You be in four years? You guessed it, you will be right where you are right now. And, You will be wondering why you did not do it, and may regret not doing it, because you would have been done with the training and starting in the career by now.

But, if you look back and are glad you did not do it because you changed your mind about it in the meantime, then passing it up was a good thing.

If you would love to do a certain occupation, why not start training for it? What else are you doing that is better? Will you Stay in a Soul Killing Job that you are in presently, or making an attempt to get out of it through training for something else? Isn’t it better to train for something new that you’ll love rather than keep the same Status?

As long as you are alive, you have a Future.

Questions to ask Yourself

• Are you a people person, or would you rather work with things?
• Do you like working with Statistics and Data?
• Do like to Lead? Do you like instructing others, or Teaching?
• Are you a natural born Salesman?
• Are you mechanical? Do you like working with your hands? Fixing things?
• Are You Artistic?
• Do you like working outside?

Can You See You in the Job Picture?

Thinking about those things you like to do and the conditions you prefer on the job can determine what Career Choice is best for what you are made of. Only you can know what it is you like. If you do not already know, you can find it out through taking a Career Assessment Test and choose from a list of Career Choices the Test recommends. Matter of fact, taking the test is part of being able to set career goals and plan for your new career.

Be open to new ideas from any source. I personally like to look through Mother Earth News Magazine for business and career ideas. I like reading about the do it yourself stuff on a farm, and articles on going solar. So, Pick up your favorite magazine and page through it and check out the local classifieds for business opportunities, or even employment. These are all potential Career Choices.

Investigate what it is you are interested in and passionate about. Even if you don’t know what that is, investigate anyway. You will eventually find your Dream.

You have been focusing on the Money factor most, if not all your previous career and life. But From Now on, try focusing on the Fun Factor. Look to a new Career for the enjoyment of it, not the money. You may have needed more money before, because you had a family to support. Now, it may be somewhat different financially.

If you do what you love, you will be willing to work harder at it that much longer each day. It will still seem like work, but there will be a distinct difference. It will be work you love to do. You will not have to be dishonest with yourself and cover up your distaste for a job you hate doing anymore. You may already know what working hard at a job you hate brings into your life.

This way, if you are hard working and (most importantly) true to yourself and to your own happiness, the money will come later because of all your loving toil and diligence. Think about the concept of making money at something that is fun to do – Would that not be nice doing just that?

What you love attracts the same positive vibes and material conditions, what you hate brings Negativity. Stop doing what you dislike, it will never bring Success to you nor to anyone who depends upon you. There is no Success without Fulfillment.

Why not start to Be who you want to be, and do what you want to do. If you already have not done this, Try Thinking how you want to think. Not how you think others want you to. And, start doing those duties and activities that bring you the joy and the passion you’ve always wanted. The focus has always been on hard work. Change the focus to enjoyable work. Would it not be great if you focused on who you wanted to be and acted that out instead of focusing on deadlines based on money and people you would rather not be around?

When you find and do what you love, you will come across like minded people…You will have something in common with and be surrounded by Your own kind.

Deadlines are dead. You are alive. Change your scene. Change your life. Change your mindset. Don’t let someone else define YOU. You define YOU from now on. Who do you want to be? You can be that person, you know…Only if it is true to being YOU and to who you are.

The Occupational Outlook Handbook by the US Dept. of Labor is filled with hundreds, if not thousands of Careers. Learn about each one you are interested in. More than that, seek those Career Opportunities that make you feel Passionate. Would it not be great to be so restless at night that you could not wait to get up in the morning to go to work? Well, maybe we don’t want that much excitement, do we? Maybe, maybe not. At least not right away. But, you can grow into it slowly and start liking it.

We sleep a third of our lives, and work a third of our lives. With so much time preparing for work, should not work be a Pleasure instead of a dreaded chore?

After you take a Career Assessment Test and have your Career Choices in hand and have made your choice, then it is time to put a plan together. This means where the education is located, how long it takes to complete the program, how you are going to pay for it, putting together a resume, practicing up with your job interviewing skills, possibly a part time job in your chosen profession, goals and steps to achieve the same, etc.

A way to bypass job interviews and resumes etc., is to become self employed and Work from the comfort of your own home. This is the golden opportunity for those who are Midlife Career Changers. You are older, wiser, mature and solid in those things you want. And you can still find yourself through the right second and possibly last career. You may have the savings to put you through the necessary training for that work at home job.

There are many legitimate work from home businesses to choose from. There are franchises and there is also your own knowledge of a business you have already been in that you could turn into your own. Sometimes, being your own Boss can be the key to the experience of job happiness.

You may have all the responsibility, but you can still call all the shots your way. Well, realistically not everything will be your way, but you will have much greater latitude in making business decisions without having to answer to someone.

Probably one of the most important aspects of Mid life Career Change is having a plan. Equal to that is support from family and friends. They need to be behind you on this one. Without support, you will be hard pressed to make anything happen. Sell everyone on what you are about to do. Put your finances in order. Sell your plan to them. Get the right feedback you need. Make them feel good about what you are about to do. Calm their fears while Dealing with your own.

It takes time to put a Plan of Action together. A Career Guidance Counselor can help. He/She can guide you by suggesting Career Tests and even help you plan for the education, and assist you with your own job placement.

Steve Humphreys

http://www.career-test-for-teens.com

Key to ideal career discovery is self-knowledge. Find, develop, and plan your career choice with our self-help resources. Teens, career changers, or job searchers will find helpful advice and articles about career tests, resumes, interviews, and more. Let us help you find your dream career on your journey.

Free ebook http://www.career-test-for-teens.com/career_ebooks_download.html

Longevity - It is said, give a cat three years for every human year and you have an idea of how old he is compared to us. Not so. A cat at one year old is capable of reproduction and fully able to take care of himself. A three year old human is helpless. Such mathematical formulas for understanding the ‘real’ age of an animal don’t work because their internal, and external developments vary and do not correspond to human development.

But did you know that the life span of cats seems to be increasing, from around twelve years or so several decades ago to eighteen or more and it seems now not uncommon for cats to live into their twenties? Not only advances in cat medicine but apparently in genetic changes as well are contributing to longer life and some cats live to be much older indeed. Several cats in Southern California have been reported to live as long as thirty and thirty four years.

Independent & Loners – Cats are thought to be solitary creatures by many, but anyone who has visited a farm where there are cats will find they congregate in colonies, sometimes nearing twenty in number and seem even to hunt together. There is little fighting because there is always one dominant cat which the others all accept, the rest being equal. At least until a new cat arrives and dominance must be re-established.

If you have an indoor/outdoor cat, as do I, you no doubt find him asking to be let out, even though he has his cat doors. Mine does daily, usually at night. I go to the door, open it and he eagerly runs into he mudroom, awaiting the opening of the next door, though both are equipped with cat doors. If I actually go out into the back patio with him he seems delighted, rolling around on the stones, watching me. I suspect he would love a hunting companion. (Preferably, I expect, one a bit quieter and more stealthy than myself.)

Cats can’t be trained – Training is entirely possible and we have probably all seen on television performance cats trained to walk a rope, roll a ball and even swim underwater. We attribute this to some sort of showmanship business and think our own cats are not trainable. Depending on the breed and the particular cat, they are probably all trainable to some degree and they are certainly able to train us!

Particia Moyes, in her book How To Talk To Your Cat, relates how one of her cats and she have a game, the object of which is to remove from some precarious perch – the top of a chair, say, an object, without disturbing anything around and without knocking the item to the floor. The one cat does this with care and great attention, and success. Her other cat, she tells us, takes the game simply to mean, ‘get the thing regardless’ and will also retrieve the item but in the clumsiest fashion, knocking it to the floor.

Ms. Moyes speaks of two other game she and her cats have; fetch and carry and hide and seek. In the first, the person throws a ball of tinfoil (or what-have-you) and the cat returns it, dropping it at the person’s feet. The second she says her cat invented. She (the cat) will bring the ball of tinfoil, drop it, then leave the room. Ms. Moyes will hide it, then call her cat who will begin excitedly exploring all the hiding places, find it, drop it and leave the room again. Keep in mind that Ms. Moyes creates and maintains an unusual and unusually close and respectful attitude towards her cats. Very likely, and many pet owners, indeed, parents, have discovered that, the more you anticipate your pet (or child) to be capable, the more capable your pet or child becomes.

My own cat offers a less dramatic, but useful example. A stray taken in at about 8 months he at first caused some alarm with his tendency to ‘do his nails’ on the furniture. I would bang my foot on the floor and tell him no and he’d stop. Now I just tell him, in no uncertain terms, to stop and he does. He only does this when he wants something and I’m not paying attention.

In fact, this is one way a cat has to get your attention and let you know he needs something – he does what he knows he is not supposed to do. My cat knows he’s not allowed on the kitchen table, for example, but if his food bowl stays empty too long, onto the table he leaps and I know right away he wants feeding.

There is an ancient Egyptian papyrus of the twentieth dynasty showing a dog walking on his hind legs, carrying a staff, herding goats. In the same picture there is a cat, walking on his hind legs, carrying a staff, herding ducks. The picture depicts the dog and cat on their hind legs carrying staffs, no doubt, to indicate that they are in control. Were they shown on their fours, one, they could not be shown carrying a staff and two, they would seem to be on the same level as the goats and ducks, not in charge of them. My guess is that one time, before the dark days of cat extermination, cats were trained and used and I expect they themselves were very responsive to this arrangement.

Aloof – When one considers the terrible history the family of cats has endured at the hands of man, repeatedly throughout Europe and even in America, it is no wonder the cat keeps himself aloof. Associated with witches, Satan and evil, as a race, cats have been betrayed, condemned, tortured and exterminated, many times, by the thousands and tens of thousands. Those which survived the pogroms passed on their genes to progeny, along with the survival sense to be wary of man. Yet every cat owner knows how truly attached a cat can become and how genuinely grateful they are for the affection and care given them.

Cats & Music Start playing an instrument, even something gentle, such as folk music on a guitar, and a dog is likely to leave the room. A cat, on the other hand is likely to come near, lay by you, roll around, purr and seem to enjoy the sounds immensely. My previous cat used to be my biggest fan, particularly of my fairly elaborate finger picking.

My current cat loves to hear the guitar but the obvious deep pleasure he gets from that doesn’t even compare to when I pick up the Celtic Harp and play on its strings. I can only describe his state as ecstatic, as if each tiny individual sound washes him with almost unendurable pleasure. Many composers throughout history relate the same story.

The famous harpist, Mlle Dubuy, noticed that her cat purred pleasantly when she played a piece on her harp well but cried when she played less so. She used this phenomena to improve her skill. Recognizing how much she owed her success as a harpist to her discerning cat she left him her substantial inheritance and endowed loyal friends likewise to ensure her cat was well cared for.

There is a video on YouTube of a cat playing the piano. She is quite intentionally sounding the notes, utterly absorbed in the phenomena. When his mistress plays Bach on another piano the cat stops and listens with obvious appreciation. It is quite as if this cat, and in fact, all cats, truly do appreciate beautiful music and the one in this particular YouTube video, aspires to musicianship.

Movement – We all know how agile and flexible cats are – owing to a variety of factors. Unlike man, in whom the vertebrae of the spinal column are held together by ligaments, in cat they are bound by muscle, giving the cat great range of movement. Because of the construction of his shoulder joint he can turn his foreleg in almost any direction.

But have you noticed, probably without thinking about it, that there is something funny, something odd in the way a cat runs?

Unlike almost all other mammals who advance by moving the front leg of one side of the body and the back of the opposite, the cat moves front and back legs of the same side. So it’s, front, left, let’s say, slight pause, back left, right front, pause, right back. The only other mammals said to do this are the camel and the giraffe – and they both have funny gaits too.

Food, water and health – Cats can live just fine on dry food. This is a dubious statement many authorities state as being downright false. Cats need meat. They have not the biological capability of taking various elements from a variety of non-meat foods and constructing the needed proteins, which man and dogs can do. And much of the content of dry food, i.e. Carbohydrates, not only are not natural foods for cats, they are said to be wholly unnecessary and can be harmful. Meat in some form, usually canned food, is a necessity for cats, not only for the proteins but as well for the water.

Cats do not have, as every cat owner has probably verified, a strong drive to drink. Their normal prey is their primary source of water. Deprived of that and not given sufficient wet food a cat can easily, and all too often does develop kidney disease from dehydration.

Regardless of whether your cat eats wet or dry food or both, fresh water should always be available to her. Many cat owners have observed that cats are more likely to drink if their water bowl is not located next to their food bowl, which makes sense, as in nature, animals go in search of water independently of their search for food. Also, being clean animals, it may not ‘feel’ as hygienic to have food and food smells next to their water source.

It is also advised to avoid plastic dishes for both food and water. Plastic tends to getting scratched and in those nicks and scratches harmful bacteria can grow. Also, some cats are allergic to plastic and develop skin conditions on their chins when fed and watered from plastic bowls.

Still water may run deep – but it still doesn’t suit a cat. Almost every cat owner has noticed that their cats love to put their tongues under the tap or even raise their mouths to falling rain. My cat used to put his head under a drip in the bathtub and let the water run to his tongue until we had it fixed – the tub, that is. Many cats will drink from any form of water other than still water.

Some people, including some vets think there is some molecular difference in moving water. Some think it is the sight of the movement of the water, or the sound. Whatever the reason, (and considering what a big subject this is if posts on the internet are any measure it is a bit surprising that the motivations for this are not better known), cats prefer moving water.

This fact has spawned an entire industry of cat fountains, almost all plastic, though there are several sources for ceramic cat fountains and cat bowls. Whether it is one of the plastic fountains or a ceramic cat fountain or cat bowl, all need the same care, which is simply to keep it filled and give it a thorough cleaning regularly. Some sources for pet fountains are listed at the end of this article and if you go to http://www.etsy.com and type in ceramic cat fountains you can find others.

Recommended reading: How to Talk To Your Cat by Particia Moyes The Life History and Magic of THE CAT by Fernand Mery

Web sources -

http://www.ceramiccatbowls.com/

http://www.artfire.com/users/indoorfountains

United States public speaking audiences are becoming more and more diverse. It is your responsibility as a public speaker to be aware of and acknowledge significant portions of the audience that come from differing backgrounds. If you are speaking in a different country, again, it is up to you to find out about local customs and types of humor that are appreciated in that locale. The response to humor is quite different for different cultures. Paying close attention to this fact will give you a greater chance of connecting with international audiences in and out of the U.S. You will also be more aware of etiquette and customs that will make you a welcome speaker anywhere you go.

If you are not familiar with your intended audience, in your pre- program research you might ask, ‘How diverse is your group? Or do you have members from other countries?’ The answers to these questions will help you plan your strategy for connecting with a particular audience.

I was doing my planning for a speech in Baltimore, Maryland and found out that twenty-five percent of the audience was Asian Indian. I knew nothing about the Indian culture and didn’t have long to plan. What I did know was the Dunkin’ Donut store near my home was owned and run by Indians. That was a good excuse to stop in, down a few eclairs, and do some research. I told the proprietor what I was trying to accomplish and he was glad to help. Out of all the information he gave me about humor in India, I only used one line. That was all it took to connect. The line was, ‘I want to tell all my new Indian friends I’m sorry Johnny Lever couldn’t make it.’ Johnny Lever was one of the top comedians in India. They lit up and I went on with the program.

If your local donut shop isn’t run by the appropriate nationality for your next speaking engagement, don’t worry. There are other sure-fire methods to get the information you need. If you are speaking outside the US, get the opinion of local people before you attempt to use humor. If you are speaking in the U.S., seek out members of the nationality to whom you are speaking. If you don’t happen to know any, you can always call their embassy. I’ve called our State Department, The World Bank, Voice of America and many other public agencies for information. Just tell the receptionist you want to speak to someone from the country of interest. Don’t forget to tell them you want to converse in English.

In Hong Kong you would never beckon someone by putting your hand out and curling your index finger back and forth. Why? Read on.

When speaking to foreign audiences you must check your humor carefully so you don’t accidentally offend someone. In some countries you may hear people openly joking on television or in public about subjects that would be taboo in the U.S. That doesn’t mean you can attempt to joke about the same subjects in your presentation.

Even if your speaking humor is OK, you need to become familiar with other customs in the country in which you are speaking. Customs are quite different around the world. It is easy to make mistakes when you are in a totally new environment. You’ll never get the audience to laugh if you accidentally do something offensive. A good resource that gives you a fun look at customs in other countries is the book ‘Gestures: The Do’s and Taboos of Body Language Around the World’ by Roger Axtell. This book gives lots of information on things to do and not to do in public when in a foreign country. Here’s just a few serious mistakes that could easily be made during a speaking engagement that would offend:

1. In Columbia if you wanted to show the height of an animal you would hold your arm out palm down and raise it to the appropriate height. If you are trying to show the height of a person, you do the same thing, but your palm is on edge. So, if you meant to show the height of a person, but you did it palm down as we normally would in the U.S., you would have either insulted the person by treating he or she like an animal or you would have confused your audience because they would now think that you were actually talking about an animal that had the name of a person. See how crazy this can get.

2. I’ve got another animal problem for you. In Hong Kong, Indonesia and Australia you would never beckon someone by putting your hand out and curling your index finger back and forth (like you might do to coax someone on stage with you). This gesture is used to call animals and/or ladies of the night and would be offensive to your audience.

3. In Latin American and the Middle East people stand much closer while conversing. If you were interacting with a person from one of these cultures during a public speaking engagement and you backed away to keep a normal U.S. personal space, you would be sending a very unfriendly message. Asians, however typically stand farther apart. Your understanding of this will keep you from chasing them all over the stage. Keep this in mind too if you go into the audience to interact with them. Since they are seated, you control the interpersonal space.

Sometimes your mistakes are funny. Hermine Hilton, the well known memory expert, tells of a speaking engagement in Nigeria where she tried to pronounce the names of members of the audience and innocently added sexual innuendo. She said everyone was falling on the floor with laughter. Most foreign audiences do appreciate your effort to speak their language.

Here’s a few more international public speaking tips I’ve run across:

1. You might think you are putting your audience to sleep in Japan, but don’t worry. In Japan it is common to show concentration and attentiveness in public by closing the eyes and nodding the head up and down slightly. — Then again, maybe you really are boring.

2. Applause is accepted as a form of approval in most areas of the world. In the United States the applause is sometimes accompanied by whistling. If you hear whistles in many parts of Europe, you better run because it is a signal of disapproval.

3. If you were finishing a speaking engagement in Argentina and you waved goodbye, U.S. style, the members of the audience might all turn around and come back to sit down. To them the wave means, ‘Hey! Come back.’ In other parts of Latin American and in Europe the same wave means ‘no.’

The book I previously mentioned has hundreds of tips that will help keep the audience on your side when you present outside the U. S. Another good and inexpensive source of international background information is the ‘Culturgram’ published by the David M. Kennedy Center for International Studies, which is part of Brigham Young University, located in Provo, Utah.

Each ‘Culturgram’ is a four page newsletter that gives you an easy to understand overview of the country of your choice. It includes customs and common courtesies, along with information about the people and their lifestyle. References point you toward additional study resources. Currently ‘Culturgrams’ are available for 118 countries.

Visual

Regardless of one’s nationality and culture, cartoons and comic strips are the most universally accepted format for humor. A good resource is Witty World International Cartoon Magazine by Creators Syndicate 310-337-7003. If you are speaking to a small group you can hold up the magazine or pass it around. If you want to use the cartoon or comic strip in a visual, you may need permission from the copyright holder. Always read the caption for a foreign audience and give them time to mentally translate what you say. It may take what seems to be forever (4-6 seconds) for the idea to sink in.

Cartoons and comic strips are seen in newspapers and magazines in most areas of the world. Newsstands in large cities usually have foreign periodicals, or you may find them in large libraries. It might be fun to collect cartoons and comic strips when you travel so you have a ready supply when you need one for a speech.

Be careful about your selection of cartoons. Many American cartoons would totally bomb if used outside the U.S. Much of our humor is based on making fun of someone else. This type of humor is not understood in most areas of the world and is considered disrespectful.

Other forms of visual humor that transcend most cultural barriers are juggling and magic. I don’t do either, but good resources are available. Speaking With Magic is a book by Michael Jeffreys that not only teaches you simple tricks, but gives you the points you can relate to the trick. I got my copy from Royal Publishing, Box 1120, Glendora, CA 91740 Phone (626) 335-8069. For juggling and other magic books call or write for Morris Costume’s Catalog, 3108 Monroe Road, Charlotte, NC 28205 Phone (704) 332-3304. There is a charge for the catalog, but it’s worth it.

Words

Terminology is different in most areas of the world even if the country is English based. Highly tested humor that would work anywhere in the U.S. may fall flat in another country simply because the audience doesn’t understand one of the words. For example, in Australia, public speaking break out sessions are called syndicates. If you were making a joke that used the word syndicate, you may totally confuse the audience and they won’t laugh. People from most other countries will not relate easily if you mention miles per gallon or miles per hour. You should avoid speaking about seasons, sports figures or celebrities that don’t have world-wide name recognition. Rethink all humor you normally use and try to find problematic words. This is difficult to do by yourself. Try to find a person familiar with the local culture to help you.

When using translators, humor is tougher because timing and word play don’t translate well. You might have to slow down considerably because of interpretation. Some speakers use half sentences to keep up the pace. This is very difficult and requires practice.

Speakers have been known to have fun with interpreters (of course, I would never do this). An unnamed speaker I know purposely mumbled to his interpreter to see what would happen. The interpreter mumbled back. Then the speaker mumbled again. It was hilarious.

Even when the audience speaks English they may not be able to understand your accent. Check with locals to see if you can be easily understood. You may have to adjust your normal delivery and rate of pitch slightly.

Art Gliner, a long- time humor trainer, gave me this tip: He learns how to say Happy New Year in the different languages represented in his audience. That technique always gets a laugh and the further away it is from New Years, the better. He also tells me a word of welcome in the native language works well too.

A few additional tips from around the world:

* In general, Asians tend not to show excitement. Thais are an exception. They want to have fun while they learn. Be sure to take lots of small gifts to give out and be prepared to receive some too.

* Do not expect standing ovations when speaking in public in Australia. It doesn’t seem to be part of their culture.

* Remember -the U.S. is the foreign country when you speak outside its borders. Lots of things can be different and you should be prepared. Many countries have different standard paper sizes and use two hole punches instead of three. Any video you plan to use must be converted to PAL. You may need a converter to operate equipment you bring with you.

* South of the border people don’t like us to refer to ourselves as Americans. We must remember that we are not the only ones. There are North Americans, Central Americans and South Americans.

* In Japan you should never use self-effacing humor during your public speaking engagement which is well received in American culture. Actually, the Japanese don’t like humor in seminars at all. Conversely, Australians love humor.

The point is that every culture has its likes and dislikes when it comes to humor. They also have customs that can be very different from our own. Your knowledge in this area will help you create a connection with your international audience. You must do your homework, but it is worth it because a laugh sounds the same and produces the same good feelings in any language.

Copyright © 1998 – 2005 Advanced Public Speaking Institute

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

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I have been a health insurance broker for over a decade and every day I read more and more “horror” stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits, not people (albeit they need people to make profits). If the insurance company can find a legal reason not to pay a claim, chances are they will find it, and you the consumer will suffer. However, what most people fail to realize is that there are very few “loopholes” in an insurance policy that give the insurance company an unfair advantage over the consumer. In fact, insurance companies go to great lengths to detail the limitations of their coverage by giving the policy holders 10-days (a 10-day free look period) to review their policy. Unfortunately, most people put their insurance cards in their wallet and place their policy in a drawer or filing cabinet during their 10-day free look and it usually isn’t until they receive a “denial” letter from the insurance company that they take their policy out to really read through it.

The majority of people, who buy their own health insurance, rely heavily on the insurance agent selling the policy to explain the plan’s coverage and benefits. This being the case, many individuals who purchase their own health insurance plan can tell you very little about their plan, other than, what they pay in premiums and how much they have to pay to satisfy their deductible.

For many consumers, purchasing a health insurance policy on their own can be an enormous undertaking. Purchasing a health insurance policy is not like buying a car, in that, the buyer knows that the engine and transmission are standard, and that power windows are optional. A health insurance plan is much more ambiguous, and it is often very difficult for the consumer to determine what type of coverage is standard and what other benefits are optional. In my opinion, this is the primary reason that most policy holders don’t realize that they do not have coverage for a specific medical treatment until they receive a large bill from the hospital stating that “benefits were denied.”

Sure, we all complain about insurance companies, but we do know that they serve a “necessary evil.” And, even though purchasing health insurance may be a frustrating, daunting and time consuming task, there are certain things that you can do as a consumer to ensure that you are purchasing the type of health insurance coverage you really need at a fair price.

Dealing with small business owners and the self-employed market, I have come to the realization that it is extremely difficult for people to distinguish between the type of health insurance coverage that they “want” and the benefits they really “need.” Recently, I have read various comments on different Blogs advocating health plans that offer 100% coverage (no deductible and no-coinsurance) and, although I agree that those types of plans have a great “curb appeal,” I can tell you from personal experience that these plans are not for everyone. Do 100% health plans offer the policy holder greater peace of mind? Probably. But is a 100% health insurance plan something that most consumers really need? Probably not! In my professional opinion, when you purchase a health insurance plan, you must achieve a balance between four important variables; wants, needs, risk and price. Just like you would do if you were purchasing options for a new car, you have to weigh all these variables before you spend your money. If you are healthy, take no medications and rarely go to the doctor, do you really need a 100% plan with a $5 co-payment for prescription drugs if it costs you $300 dollars more a month?

Is it worth $200 more a month to have a $250 deductible and a $20 brand name/$10 generic Rx co-pay versus an 80/20 plan with a $2,500 deductible that also offers a $20 brand name/$10generic co-pay after you pay a once a year $100 Rx deductible? Wouldn’t the 80/20 plan still offer you adequate coverage? Don’t you think it would be better to put that extra $200 ($2,400 per year) in your bank account, just in case you may have to pay your $2,500 deductible or buy a $12 Amoxicillin prescription? Isn’t it wiser to keep your hard-earned money rather than pay higher premiums to an insurance company?

Yes, there are many ways you can keep more of the money that you would normally give to an insurance company in the form of higher monthly premiums. For example, the federal government encourages consumers to purchase H.S.A. (Health Savings Account) qualified H.D.H.P.’s (High Deductible Health Plans) so they have more control over how their health care dollars are spent. Consumers who purchase an HSA Qualified H.D.H.P. can put extra money aside each year in an interest bearing account so they can use that money to pay for out-of-pocket medical expenses. Even procedures that are not normally covered by insurance companies, like Lasik eye surgery, orthodontics, and alternative medicines become 100% tax deductible. If there are no claims that year the money that was deposited into the tax deferred H.S.A can be rolled over to the next year earning an even higher rate of interest. If there are no significant claims for several years (as is often the case) the insured ends up building a sizeable account that enjoys similar tax benefits as a traditional I.R.A. Most H.S.A. administrators now offer thousands of no load mutual funds to transfer your H.S.A. funds into so you can potentially earn an even higher rate of interest.

In my experience, I believe that individuals who purchase their health plan based on wants rather than needs feel the most defrauded or “ripped-off” by their insurance company and/or insurance agent. In fact, I hear almost identical comments from almost every business owner that I speak to. Comments, such as, “I have to run my business, I don’t have time to be sick! “I think I have gone to the doctor 2 times in the last 5 years” and “My insurance company keeps raising my rates and I don’t even use my insurance!” As a business owner myself, I can understand their frustration. So, is there a simple formula that everyone can follow to make health insurance buying easier? Yes! Become an INFORMED consumer.

Every time I contact a prospective client or call one of my client referrals, I ask a handful of specific questions that directly relate to the policy that particular individual currently has in their filing cabinet or dresser drawer. You know the policy that they bought to protect them from having to file bankruptcy due to medical debt. That policy they purchased to cover that $500,000 life-saving organ transplant or those 40 chemotherapy treatments that they may have to undergo if they are diagnosed with cancer.

So what do you think happens almost 100% of the time when I ask these individuals “BASIC” questions about their health insurance policy? They do not know the answers! The following is a list of 10 questions that I frequently ask a prospective health insurance client. Let’s see how many YOU can answer without looking at your policy.

1. What Insurance Company are you insured with and what is the name of your health insurance plan? (e.g. Blue Cross Blue Shield-”Basic Blue”)

2. What is your calendar year deductible and would you have to pay a separate deductible for each family member if everyone in your family became ill at the same time? (e.g. The majority of health plans have a per person yearly deductible, for example, $250, $500, $1,000, or $2,500. However, some plans will only require you to pay a 2 person maximum deductible each year, even if everyone in your family needed extensive medical care.)

3. What is your coinsurance percentage and what dollar amount (stop loss) it is based on? (e.g. A good plan with 80/20 coverage means you pay 20% of some dollar amount. This dollar amount is also known as a stop loss and can vary based on the type of policy you purchase. Stop losses can be as little as $5,000 or $10,000 or as much as $20,000 or there are some policies on the market that have NO stop loss dollar amount.)

4. What is your maximum out of pocket expense per year? (e.g. All deductibles plus all coinsurance percentages plus all applicable access fees or other fees)

5. What is the Lifetime maximum benefit the insurance company will pay if you become seriously ill and does your plan have any “per illness” maximums or caps? (e.g. Some plans may have a $5 million lifetime maximum, but may have a maximum benefit cap of $100,000 per illness. This means that you would have to develop many separate and unrelated life-threatening illnesses costing $100,000 or less to qualify for $5 million of lifetime coverage.)

6. Is your plan a schedule plan, in that it only pays a certain amount for a specific list of procedures? (e.g., Mega Life & Health & Midwest National Life, endorsed by the National Association of the Self-Employed, N.A.S.E. is known for endorsing schedule plans) 7. Does your plan have doctor co-pays and are you limited to a certain number of doctor co-pay visits per year? (e.g. Many plans have a limit of how many times you go to the doctor per year for a co-pay and, quite often the limit is 2-4 visits.)

8. Does your plan offer prescription drug coverage and if it does, do you pay a co-pay for your prescriptions or do you have to meet a separate drug deductible before you receive any benefits and/or do you just have a discount prescription card only? (e.g. Some plans offer you prescription benefits right away, other plans require that you pay a separate drug deductible before you can receive prescription medication for a co-pay. Today, many plans offer no co-pay options and only provide you with a discount prescription card that gives you a 10-20% discount on all prescription medications).

9. Does your plan have any reduction in benefits for organ transplants and if so, what is the maximum your plan will pay if you need an organ transplant? (e.g. Some plans only pay a $100,000 maximum benefit for organ transplants for a procedure that actually costs $350-$500K and this $100,000 maximum may also include reimbursement for expensive anti-rejection medications that must be taken after a transplant. If this is the case, you will often have to pay for all anti-rejection medications out of pocket).

10. Do you have to pay a separate deductible or “access fee” for each hospital admission or for each emergency room visit? (e.g. Some plans, like the Assurant Health’s “CoreMed” plan have a separate $750 hospital admission fee that you pay for the first 3 days you are in the hospital. This fee is in addition to your plan deductible. Also, many plans have benefit “caps” or “access fees” for out-patient services, such as, physical therapy, speech therapy, chemotherapy, radiation therapy, etc. Benefit “caps” could be as little as $500 for each out-patient treatment, leaving you a bill for the remaining balance. Access fees are additional fees that you pay per treatment. For example, for each outpatient chemotherapy treatment, you may be required to pay a $250 “access fee” per treatment. So for 40 chemotherapy treatments, you would have to pay 40 x $250 = $10,000. Again, these fees would be charged in addition to your plan deductible).

Now that you’ve read through the list of questions that I ask a prospective health insurance client, ask yourself how many questions you were able to answer. If you couldn’t answer all ten questions don’t be discouraged. That doesn’t mean that you are not a smart consumer. It may just mean that you dealt with a “bad” insurance agent. So how could you tell if you dealt with a “bad” insurance agent? Because a “great” insurance agent would have taken the time to help you really understand your insurance benefits. A “great” agent spends time asking YOU questions so s/he can understand your insurance needs. A “great” agent recommends health plans based on all four variables; wants, needs, risk and price. A “great” agent gives you enough information to weigh all of your options so you can make an informed purchasing decision. And lastly, a “great” agent looks out for YOUR best interest and NOT the best interest of the insurance company.

So how do you know if you have a “great” agent? Easy, if you were able to answer all 10 questions without looking at your health insurance policy, you have a “great” agent. If you were able to answer the majority of questions, you may have a “good” agent. However, if you were only able to answer a few questions, chances are you have a “bad” agent. Insurance agents are no different than any other professional. There are some insurance agents that really care about the clients they work with, and there are other agents that avoid answering questions and duck client phone calls when a message is left about unpaid claims or skyrocketing health insurance rates.

Remember, your health insurance purchase is just as important as purchasing a house or a car, if not more important. So don’t be afraid to ask your insurance agent a lot of questions to make sure that you understand what your health plan does and does not cover. If you don’t feel comfortable with the type of coverage that your agent suggests or if you think the price is too high, ask your agent if s/he can select a comparable plan so you can make a side by side comparison before you purchase. And, most importantly, read all of the “fine print” in your health plan brochure and when you receive your policy, take the time to read through your policy during your 10-day free look period.

If you can’t understand something, or aren’t quite sure what the asterisk (*) next to the benefit description really means in terms of your coverage, call your agent or contact the insurance company to ask for further clarification.

Furthermore, take the time to perform your own due diligence. For example, if you research MEGA Life and Health or the Midwest National Life insurance company, endorsed by the National Association for the Self Employed (NASE), you will find that there have been 14 class action lawsuits brought against these companies since 1995. So ask yourself, “Is this a company that I would trust to pay my health insurance claims?

Additionally, find out if your agent is a “captive” agent or an insurance “broker.” “Captive” agents can only offer ONE insurance company’s products.” Independent” agents or insurance “brokers” can offer you a variety of different insurance plans from many different insurance companies. A “captive” agent may recommend a health plan that doesn’t exactly meet your needs because that is the only plan s/he can sell. An “independent” agent or insurance “broker” can usually offer you a variety of different insurance products from many quality carriers and can often customize a plan to meet your specific insurance needs and budget.

Over the years, I have developed strong, trusting relationships with my clients because of my insurance expertise and the level of personal service that I provide. This is one of the primary reasons that I do not recommend buying health insurance on the Internet. In my opinion, there are too many variables that Internet insurance buyers do not often take into consideration. I am a firm believer that a health insurance purchase requires the level of expertise and personal attention that only an insurance professional can provide. And, since it does not cost a penny more to purchase your health insurance through an agent or broker, my advice would be to use Ebay and Amazon for your less important purchases and to use a knowledgeable, ethical and reputable independent agent or broker for one of the most important purchases you will ever make….your health insurance policy.

Lastly, if you have any concerns about an insurance company, contact your state’s Department of Insurance BEFORE you buy your policy. Your state’s Department of Insurance can tell you if the insurance company is registered in your state and can also tell you if there have been any complaints against that company that have been filed by policy holders. If you suspect that your agent is trying to sell you a fraudulent insurance policy, (e.g. you have to become a member of a union to qualify for coverage) or isn’t being honest with you, your state’s Department of Insurance can also check to see if your agent is licensed and whether or not there has ever been any disciplinary action previously taken against that agent.

In closing, I hope I have given you enough information so you can become an INFORMED insurance consumer. However, I remain convinced that the following words of wisdom still go along way: “If it sounds too good to be true, it probably is!” and “If you only buy on price, you get what you pay for!”

©2007 Small Business Insurance Services, Inc. http://www.smallbusinessinsuranceservices.com

C. Steven Tucker, is the President of Small Business Insurance Services, Inc. and has been a Licensed Mult-State Insurance Broker serving the small business and self-employed market for over a decade. Mr. Tucker believes an informed insurance consumer makes the best health insurance purchasing decisions. Mr. Tucker has written several articles that focus on small business health insurance, which can be read on a number of web sites.

Mr. Tucker’s blog can be read at http://www.smallbusinessinsuranceservices.vox.com

If you have general questions regarding health insurance, or you are in the market to purchase a health insurance plan, you can contact Mr. Tucker through his web site at http://www.smallbusinessinsuranceservices.com,

via Email at smallbusinssvcs@aol.com or by plone, toll-free at 1-866-SBIS123 (724-7123)

Have you always wanted to drive an exotic sports car for a few days? Maybe just pretend you are James Bond and rent an Aston Martin sports car. Maybe go really wild and get a Lotus or Lamborghini for a few days, or maybe even something not quite that exotic but definitely sporty for a special occasion like a new Corvette.

Like virtually anything else in the world today that has a demand, you can rent just about any kind of sports car that you want in many places. Typically these are in larger cities, and in cities like Orlando, Las Vegas, Chicago, or Los Angeles, you would have little trouble in choosing from amongst several agencies that can put you into a hot sports car for a few days so you can indulge yourself.

But before you get too excited, one of the first calls you will want to make is to your car insurance company that you use to insure your personal cars. Tell them what you are planning to do and find out if you have enough coverage to adequately protect you. You may be a very safe driver, but that other driver who is gawking at that sleek sports car you are behind the wheel of may gawk too much and hit you, and you definitely want to make sure you are covered.

Yes, you can almost always get insurance from the car rental agency, but there is a good reason that you will want to first check with your own car insurance company. That is because you may already be covered, and why pay twice for insurance? Also check your policy limits – if you are only covered up to $50k and you are driving a $200k vehicle, that is going to leave you severely lacking if something bad happens. If you get the insurance from the car rental company, chances are that you may be paying an additional $50 a day or more to have that insurance.

But once you have that detail out of the way, the sky is the limit. Maybe it is to impress that new person you are dating, or maybe it is to surprise your wife on that special occasion when you wheel into your driveway with this exotic sports car. You work hard and you are not getting any younger, so decide what you would like to do and give yourself permission to do a sports car rental. Find out what is available in your area and then have a great time.

For more insights and additional information about Sports Car Rental as well as finding where you can rental an exotic sports car and get special discounts, please visit our web site at http://www.sports-car-rental.com/.

Fifty million home-based businesses will be in operation by 1997, according to Link Resource’s National Work-at Home Survey. All around the country, people who want more control over their lives are starting home businesses In New Orleans, Rick Hart’s home based cajun Cargo ships seafood nation wide. In Palatine, Illinois, Stephaine Heavey works from home designing and selling original patterns for fabric dolls. And in Dallas, Lisa McElya published the Dallas Party & Event Planners Guidebook from the entire first floor of her two-story home. These three people are living the new American dream of owning a business, but avoiding the high overhead and start-up costs of a commercial location. If the idea of working from home is appealing, but you don’t know where to begin, here is a step-by-step guide. STEP #1 DECIDE WHAT PART OF THE HOUSE TO USE Select an area away from family activity. The perfect space is a separate room (or perhaps the garage), but any area will do, if it can hold all the business supplies and equipment, and also provide enough work space for desks, tables, or counters. STEP #2 DETERMINE HOW MUCH TIME YOU CAN SPEND ON THE BUSINESS Many people start a home business on a part-time basis while raising children or working outside the home. Others start full-time when family and finances allow. However you begin, figure out how may hours per week you can devote to the business Make a weekly chart of your activities, examine it, and determine where the business fits. Don’t assume you have time and find out later you don’t. STEP #3 DECIDE ON THE TYPE OF BUSINESS Make a list of things you like to do, your work and volunteer experience, and items you own that can be used in a business. Look over this line-up, and using ideas from it, list possible businesses to start. Eliminate any business that isn’t appealing or doesn’t fill a need people have. For ideas on different types of businesses, consult the end of this article. Other ideas can be found in the source material listed at the end of this article. STEP #4 CHOOSE A LEGAL FORM The three basic legal forms are sole proprietorship, partnership, and corporation. The most common is the sole proprietorship. As its name implies, a sole proprietorship is owned by one individual. It is the oldest form of business, the easiest to start, and the least complicated to dissolve. Here are some of the advantages of this business form: 1. You own all the profits

2. Your business is easy and cheap to organize. You don’t need any government approval, although you may be required to carry a city, state or county license. Your only other obligation is to notify the Internal revenue Service (IRS) for the purposes of sales tax.

3. You’re the boss

4. You enjoy certain tax savings. You must pay regular individual taxes on your income, property, and payroll, but these are not levied as special taxes, as with a corporation. You will also have to pay sales tax which you have received from your customers.

5. Greater personal incentive and satisfaction. Since you have your investment to lose if your business is not successful, you should be more willing to put time, thought, and energy into the business. And when your business is successful, you enjoy maximum sense of accomplishment since you know its success was dependent upon your decisions about your management ability alone. For more information about this and other forms of business, send for the U.S. Small Business Administration (SBA) Publication MP25. Selecting the Legal Structure for Your BUsiness (50 cents). It outlines the advantages and disadvantages of each legal type of structure. If after reading it you are still uncertain what form of the business should take, consult an attorney. STEP #5 DETERMINE WHERE THE MONEY WILL COME FROM There are three ways to finance start-up costs: use your own money, obtain a loan, or find investors. If possible, it is better to start small, use your savings, and not worry about repaying a debt. also keep in mind that since you are a home-based, chances of qualifying for a loan or finding investors are slim until the success of your idea is proven. STEP #6 GATHER INFORMATION Spend a few weeks researching home-based businesses. A library or bookstore can provide numerous books on business basics, and on the specific type of business that interest you. Homemade Money by Barbara Brabee (see sources) is an excellent book to start with. If you are considering a computer business, get in touch with the association of Electronics; Cottagers, P.O. Box 1738, Davis, CA 95617-1738. To keep informed of what is happening in home business world, contact National Home Business report, P.O. Box 2137, Naperville, IL 60566, for subscription information; and Mothers Home Business Network, P.O. Box 423, East Meadow, NY 11554 (send SASE for free information). STEP #7 CHECK ON ZONING RESTRICTIONS Find out how your property is zoned, the call City Hall and ask what regulations apply to home businesses in that zone. Also, if you rent or live in a condominium, check the lease or homeowner’s association rules to be certain a home business is allowed. Generally, if you do not annoy your neighbors with excess noise, odors, and traffic, you will not be deterred from running a business at home. The neighbors may not even be aware of the business, but it is necessary to know exactly what you can and can’t do before you start. This is important should any problems or questions arise later. STEP #8 PICK A BUSINESS NAME AND REGISTER IT If the business you choose is different form your name, file an assumed (or fictitious) name certificate with the county. You are notified if another business already has that name, so you can select a new one. Do this before investing in expensive stationery and brochures. It costs only a few dollars to file, and it protects the business name from being used by someone else in the county. STEP #9 WRITE A BUSINESS PLAN A good business plan clarifies your ideas and establishes a plan of action. A good business plan should include a description of what you are selling, your background and qualifications, who the prospective customers are and where they can be found, what is needed to build the business, how you plan to promote, and how much money is need for start-up costs. SBA Publication #M925, The Business Plan for Home-Based Business ($1) is helpful. STEP #10 GET AN IDENTIFYING NUMBER If you are the sole proprietor of the business and have no employees, you may either use your Social Security number or an Employee Identification Number (EIN) as the business number on official forms. If you have employees, or the business is set up as a partnership or corporation, you must obtain an EIN. To do this, complete IRS Form SS-4 (Application for Employer Identification Number) and file it with the nearest IRS Center. STEP #11 OBTAIN A SALES TAX PERMIT If the product or service you sell is taxable, you need a state sales tax permit. Call the local tax agency, explain the type of business you have and what you sell, and ask if you need to collect sales tax. If you do, they will send you the necessary information and forms to complete. You also use this tax number when your purchase items for resale. STEP #12 OBTAIN LICENSES & PERMITS It’s very important not to overlook any necessary license or permit. For example, some cities and counties require a general business license, and most have special laws regarding the preparation and sale of food. Call City Hall to find out what is need for your particular business. In addition, Chamber of Commerce provide information on city, county and state licenses and permits. STEP #13 SELECT BUSINESS CARDS, STATIONERY, BROCHURES Spend time on the color, design and paper for these items. They make a definite impression-good or bad- on the people who receive them. If you are not certain what is most suitable and effective, consult a graphics designer or a creative printer whose work you like. STEP #14 OPEN A BUSINESS CHECKING ACCOUNT Call several banks to find out what services they offer, and what minimum balance, if any, must be maintained to avoid paying a service charge. Also ask about credit card if you plan to offer this convenience to your customers. Bank fees can be significant, so shop around for the best deal. If your personal checking account is with a credit union, see if it can also provide a separate business account. when you open your account, you may need to show the assumed name certificate and business license. Finally, investigate obtaining a credit card in the business’s name. If this is not possible, set aside a personal credit card to use for business expenses. STEP #15 SET UP RECORD-KEEPING SYSTEMS Put together a simple and effective bookkeeping system with an 8 1/2 x 11″ three-ring binder, columnar pad sheets and twelve pocket dividers from the office supply store. For each month, set up columnar sheets for income and expenses. Use a pocket divider for each month’s receipts, bank statement, deposit tickets, and canceled checks. In addition, an automobile log for business mileage, and filing system for correspondence, invoices, supplier catalogs, client records, etc. are two other useful tools. For more information on record-keeping, see IRS publication #583, Information for Business taxpayers. STEP #16 CHECK IRS REQUIREMENTS If you comply with basic IRS guidelines, you can deduct a percentage of normal household expenses (mortgage, interest, taxes, insurance, utilities, repairs, etc.) as a business expense. see the box accompanying this article and, for more detailed information, IRS publication #587, Business Use of the Home. Also become familiar with these IRS forms: Schedule SE (compensation of Social Security Self-Employment Tax) and Schedule 1040 ES (estimated Tax for Individuals). Depending on circumstances, you may have to file them. STEP #17 OUTFIT THE BUSINESS Make a list of everything needed to start the business, but before you buy anything, look around the house for things you already own that are usable. When you are ready to start purchasing, check the classified ads and garage sales. Both are good, inexpensive sources for office furniture, typewriters, computers, answering machines, etc. But only what is absolutely necessary for start-up, and wait until the business is off the ground to get the extras. STEP #18 DECIDE ON TELEPHONE REQUIREMENTS Call the telephone company to find out the cost of a business phone in your area. If you cannot afford a separate business line, investigate the telephone company’s regulations on using your personal phone in a business. It may be possible to do this if you follow certain guidelines. Keep a record of long distance business calls as they are a deductible expense. Finally, consider the benefits of an answering machine to catch calls when you are out. STEP #19 CHECK OUT THE POST OFFICE & UPS Using a post office box as the business address down plays the fact you are home-based. It also prevents customers from dropping in at all hours. While looking into box rental, ask for information on the various postal rates, particularly bulk rate, if you plan to do large or specialized mailings. If you mail many packages, check out United Parcel Service (UPS), as it is less expensive than the Post Office. STEP #20 PURCHASE THE NECESSARY INSURANCE Check with your homeowners insurance agent about a rider for your existing policy or the need for a separate business policy. Also make sure you have adequate personal and product liability coverage. Shop around, as each company has different rules regarding home businesses To save money on medical insurance, join an association and participate in their group plan. One such body is The National association for the Self-Employed: they can be reached at 800-527-5504. STEP #21 ORGANIZE THE HOUSE & YOURSELF To have more time for business, organize and simplify household routines. Start by holding a garage sale to get rid of unnecessary possessions. Next, have a family conference and divide household duties, making sure each person does his or her part. The, set up a planning notebook to keep track of appointments, things to do, calls to make, errands to run, shopping, etc. Finally, set up a work schedule so you won’t get sidetracked by TV, neighbor’s visits, snacking, and telephone calls. Creating and operating a home business is a wonderful and rewarding challenge. The satisfaction is not only in the money earned, but in doing what makes you happy.

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Julia Tang publishes Smart Online Business Tips, a fresh
and informative newsletter dedicated to supporting people
like you! To find out the best online business opportunities,
and to discover hundreds more proven and practical internet
marketing secrets, plus FREE internet marketing products
worth over $200, visit: http://www.best-internet-businesses.com
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PHP is high in demand these days and there are many people and companies, big and small scale both, are using PHP as a programming language to develop business applications. The reasons are simple because it’s highly secured, economical and gives a variety of developmental environments to create applications of all size and variety. But so that you can make the most out of the features and opportunities it gives to develop high end applications you would need a qualified PHP Programmer who understands the nuances of the language and is capable of developing applications of any kinds.

There are various reasons of why you should think of hiring a PHP programmer because a professional programmer brings along a lot of benefits, which can really prove to be a boon for your business. The first and foremost is the professionalism they bring in the working style which is always a plus point when it comes to the kind of competition there is in the market. A well-trained and experienced PHP programmer would have the understanding of what is required to create a high quality application in addition to other technical expertise.

If the PHP programmer has any professional working experience then he would also know how the market works and what kind of demands clients come with. They would have the hands on experience of communicating with the clients and handling the pressure that comes with the job. Communication is the key when you are dealing with clients directly as it needs strong skills to manage their demands and create a lasting impression so that they build a rapport with them and make sure they don’t loose the client for future deals.

And if you decide to hire a PHP programmer then hiring from India can give you a lot of additional benefits. PHP programming in India is booming in the current market and there are plenty of resources available at the most affordable price. There is no dearth of quality PHP programmers and so you will not only get a large number to choose from but you can also save up a lot as the hiring charges are comparatively less due to various other reasons like currency exchange, large availability etc.

So if you are thinking of getting PHP application development done then hire a PHP programmer for the best results and that too hire from India as the PHP programming industry in India is booming a lot.

He is expert PHP programmer at IndiaNIC software development company, having enough experience in the IT industry. We have expertise in PHP application development & open source web development. So hire developer at competitive rate.

Chronic renal failure (CRF) is a common cause of illness in older cats. Unlike some other organs such as the liver, damage to the kidneys cannot be repaired. Signs of renal disease are usually seen once at least 70-75% of the renal tissue has been irreversibly damaged and, once established, CRF is generally a naturally progressive condition. The rate of progression of disease can vary hugely from cat to cat. There is no cure for CRF and in people with this condition, dialysis treatment followed by renal transplantation are the main options. Neither of these treatments are currently available in the UK, although it is possible to improve the quality of life of affected cats by employing a variety of medical treatments tailored according to the individual’s needs. In recent years many treatment advances have been made and there are now more options available to owners wishing to care for their cats with CRF. Before discussing these treatments in detail, it is important to consider what normal kidney function is and therefore the range of problems that cats with CRF may have.

In normal cats, the kidneys play many vital roles which include:

Elimination of waste products, drugs and toxins from the body via the urine

Regulation of the body’s acidity, electrolyte levels (calcium, phosphate, potassium, sodium and chloride) and water balance

Production of hormones such as erythropoeitin (required to stimulate production of red blood cells by the bone marrow) and renin (important in controlling water and salt balance)

Activation of vitamin D (important in control of blood calcium and phosphate levels)

Regulation of blood pressure

Signs of CRF develop when two thirds to three quarters of renal function has been lost. Cats with CRF are vulnerable to problems including:

Accumulation of protein breakdown products (including urea and creatinine which can be measured in blood samples) which is associated with clinical signs of illness (e.g. nausea, vomiting, loss of appetite)

Dehydration

Acidosis (increased blood acidity)

Electrolyte abnormalities

Anaemia (partly due to lack of production of erythropoeitin)

High blood pressure (systemic hypertension)

CRF cats often show non-specific signs of ill health such as a variable or poor appetite, weight loss, depression and sickness. An increased thirst is seen in about one third of cats with CRF although this clinical sign can also be seen with various other conditions common in middle aged and elderly cats such as hyperthyroidism and diabetes mellitus (’sugar diabetes’). Diagnosis of CRF therefore requires collection of blood and urine samples for analysis. Most commonly a diagnosis is made following identification of azotaemia (accumulation of the protein breakdown products creatinine and urea in the blood) and loss of urine concentrating ability (i.e. the urine is more dilute than it should be). Further tests may be required in some cats to identify the cause of the renal disease. For example ultrasound examination of the kidneys is usually a straightforward technique for identification of polycystic kidney disease (PKD).

Management of cats with CRF involves a range of treatments tailored according to the individual’s needs.

What is the ideal diet for cats with kidney problems?

It is common to prescribe specific dietary therapy since this has been shown to improve the quality of life and survival of cats with CRF and may reduce the rate of progression of disease. Renal diets typically have restricted levels of high quality protein which limits the amount of protein breakdown waste products for the ailing kidneys to excrete. Levels of phosphate are also restricted since cats with CRF have a tendency to retain excess amounts of this in the body which can contribute to their feeling unwell. Renal diets have increased amounts of potassium and B vitamins which CRF cats are vulnerable to losing in their urine and increased numbers of calories which helps CRF cats with a poor appetite to maintain a normal body weight. Renal diets usually have lower levels of sodium in them which may help to reduce the risk of high blood pressure developing.

It is possible to prepare home cooked diets for cats with CRF and veterinary recipes are available for this purpose. Most owners do not elect for home cooking protocols as this is very time consuming and therefore not a practical option in most cases.

Cats with CRF often have a poor appetite and this can be exacerbated by offering special kidney diets which may not appeal to the cat. In some cases, the use of appetite stimulants such as the anti-histamine cyproheptidine (trade name Periactin) or anabolic steroids can be helpful in stimulating an adequate appetite. More recently some vets have been treating cats with persistently poor appetites by placing a feeding tube into the stomach. Feeding tubes can be placed into the stomach using endoscopy and are referred to as PEG tubes when this is done (percutaneous endoscopically placed gastrostomy tube). Although an anaesthetic and short period of post-operative hospitalisation is required to place the tube, once in place these can be used for prolonged periods to administer food, liquids and medicines to the cat.

How can dehydration be treated and prevented?

Cats with CRF are vulnerable to becoming dehydrated since they are unable to produce concentrated urine. Encouraging cats to drink and maintain normal hydration is helpful, if possible, and moist diets are probably preferable. Offering flavoured water may encourage cats to drink more (e.g. fish broth) although it is important to not offer salty liquids as these can increase the risk of high blood pressure and other problems developing. Many cats with CRF do however prefer the dry kidney diets and it can be difficult to encourage drinking. In recent years, one treatment that has received a lot of attention is administration of fluids under the skin by the cat’s owner (subcutaneous fluid therapy).

This is not currently a common recommendation in the UK although many USA owners of CRF cats are finding it a simple and valuable technique for helping their cat. In severe cases, dehydration may require treatment with intravenous fluid therapy (i.e. cat admitted to a veterinary surgery and placed on a drip). Giving additional fluids at home can therefore be helpful in preventing this. In addition, extra treatments such as potassium can be added to the fluids. Subcutaneous fluid therapy usually involves giving around 150 ml of fluid under the skin twice a week. The technique is well tolerated by most cats and owners include one report of a 19 year old cat with CRF that has been managed for 6 years using subcutaneous fluid therapy as part of the management protocol. If necessary, the regime can be changed to more frequent fluid administration. The owner will be trained in how to perform this technique by a veterinary surgeon or nurse – it is important that the fluid is given correctly in a sterile manner so that infections do not occur at the site of injection. Some cats do not tolerate this procedure and so it may not be suitable for all cats with CRF.

How can electrolyte problems be treated and prevented?

Electrolytes are salts present in the body which are required for normal cellular functions. The most common electrolyte imbalances in CRF cats involve potassium and phosphate. CRF cats are vulnerable to losing potassium in their urine which can cause a reduction in the blood potassium levels (hypokalaemia). Hypokalaemic cats can become very weak and lose their appetite. Although renal diets contain increased amounts of potassium in them, some cats with CRF can still develop low blood potassium levels. Additional potassium can be supplied to these cats as a powder, tablet or liquid.

CRF cats are vulnerable to accumulating phosphate which can make them hyperphosphataemic (have high blood phosphate levels). Oral phosphate binders are drugs which bind to phosphate present in the diet and limit what is absorbed by the cat’s bowel. These drugs may be needed in CRF cats whose blood phosphate levels stay high in spite of dietary therapy or in those cats that will not eat a prescription diet.

How can systemic hypertension be treated and prevented?

High blood pressure (hypertension) occurs in 20 – 30% of cats with CRF and can have serious consequences such as blindness. Monitoring of blood pressure is therefore important so that high blood pressure can be identified and treated rapidly where it occurs. Most practices now have facilities to measure blood pressure in cats and this is a technique which is simple, pain free and only takes a few minutes to perform. In those cats requiring treatment, anti-hypertensive drugs (such as oral amlodipine or benazepril) can be prescribed. Most cats need once daily therapy to maintain normal blood pressure.

What other treatments may be needed?

Additional treatments which may be prescribed according to the needs of the cat include:

Erythropoietin: Anaemia is common in cats with CRF and one reason for this is the decreased amounts of erythropoietin produced by the kidneys. Erythropoietin is a hormone that triggers red blood cell production by the bone marrow and treatment of anaemic CRF cats with human erythropoeitin can be helpful in reversing the anaemia. Unfortunately, this treatment can be expensive and may not always have a lasting effect as the human hormone is recognised as a foreign substance by the cat’s body which eventually produces antibodies to the drug preventing it from having a useful effect. Another possible side effect of this treatment is development or exacerbation of high blood pressure so cats receiving this treatment need to be carefully monitored. There is research underway in two US universities to develop a feline erythropoietin which would be much more helpful and should not result in antibody production by the cat.

Iron supplementation: Some anaemic CRF cats are iron deficient so measuring iron status and considering iron supplementation may be useful. Iron is required in production of haemoglobin, the oxygen carrying molecule in red blood cells.

Anti-sickness pills for vomiting: cats with CRF may suffer from what is known as uraemic gastritis (inflammation of the stomach due to retention of waste products and hormones which the kidneys normally excrete). Anti-sickness treatments including antacids and anti-vomiting drugs can be very helpful at treating this problem which may help the cat to feel much better.

Prevention and treatment of acidosis: Cats with CRF are vulnerable to becoming acidotic (ie their blood is more acid than it should be). This has many consequences all of which make the cat feel more unwell. Where at all possible, cats with CRF should not be fed acidifying diets (these diets are often prescribed for cats with lower urinary tract problems such as cystitis and bladder stones) as this increases the likelihood of acidosis. Treatment for acidosis involves use of drugs like sodium bicarbonate.

Calcitriol (vitamin D therapy). Although still somewhat controversial, many clinicians have used this treatment in certain selected CRF patients and found it beneficial at maintaining normal blood levels of calcium and phosphate.

ACE (angiotensin converting enzyme) inhibitors such as benazepril (Fortekor®, Novartis): This treatment has recently been advocated based on research in people with CRF in which ACE inhibitors were found to increase the survival times. Data from a recent clinical trial in cats with CRF suggested that cats receiving this therapy had a better quality of life (as assessed by their owners), a reduction in the amount of protein they were losing in their urine and slightly increased survival times. Fortekor did not reduce the parameters used to assess renal function (e.g. blood urea and creatinine levels). In the same clinical trial, a specific sub-set of cats with CRF which were losing large amounts of protein in their urine showed an excellent response to Fortekor® treatment (dramatically improved survival, appetite and weight gain). Unfortunately this manifestation of CRF accounts for only a small proportion of all cats with CRF.

ACE inhibitors also lower the blood pressure and so may be prescribed as anti-hypertensive therapy.

Antibiotics: recent studies showed that up to 30% of cats with CRF suffer from a bacterial cystitis at some point in the course of their disease. In some cats this infection may spread to the kidneys further compromising the renal function. In other cats, the bacterial cystitis is a consequence of bacterial infection of the kidneys (pyelonephritis). Cats with CRF may be more vulnerable to the development of bacterial urinary tract infections since the urine they are producing is so dilute. Unfortunately, in many cases the bacterial infection does not cause signs of cystitis (such as urinating more frequently, straining to urinate and passing bloody urine) which makes diagnosis of this complication difficult. Diagnosis requires collection of a urine sample which is assessed for microscopic evidence of bacteria and inoculated onto bacterial culture media for growth in a laboratory. A course of antibiotics, in some cases for weeks or months, may be needed to successfully eliminate bacterial urinary tract infections.

Other medications not discussed may be required in some cats with CRF and it is important to modify the treatment according to the specific requirements of each individual cat. The FAB website (http://www.fabcats.org/) contains useful information on renal disease as does the following web site which was designed by an owner of a cat with CRF http://www.felinecrf.com/

What is the prognosis for cats with CRF?

The long term outlook for cats with CRF is very variable ranging from a few weeks post diagnosis to many years. CRF is believed to be a progressive condition in most, if not all, cats although the rate of progression may vary considerably according to the cause of the disease and other individual factors. The prognosis is also affected by other issues including whether the cat has any other medical problems which influence its condition and how severe the consequences of renal disease are. For example, cats with anaemia caused by CRF often have a very poor long term prognosis as this is difficult to treat effectively for long periods of time. Owner and veterinary monitoring of affected cats helps to assess the severity of disease and rate of progression which ensures that affected cats receive all of the treatments that they need to help maintain good health. Care of affected cats at home can be very rewarding as well as helpful in ensuring that CRF patients have the best quality of life for as long as possible.

A comprehensive book ‘Caring for a cat with kidney failure’ by Dr Sarah Caney is available through her website as an e-book or as a printed on demand softback.

Dr Sarah Caney, Chief Executive, Cat Professional
http://www.catprofessional.com/index.html

There are many reasons you may want to use one of the many outdoor cooking methods for your meals. Maybe you are going camping or you just want to grill outside in your backyard. Whatever your reason for using the outdoor techniques for cooking you need to understand what a few of them are and how they are can help you cook the proper type of food for you and your family.

You can choose from grilling with a few different types of grills to cooking over an open fire. It all depends on what you want to cook and why you have decided to cook outside. Below you are going to find a few different ways for cooking outside to choose from.

1. Gas Grill Cooking

One of the most popular methods of cooking outside is with a gas grill. This grill will take either natural gas or propane, which will be your main source of fuel for cooking. You may want to supplement the gas heat with wood chips so you can get more flavor since you are cooking with gas.

There are many advantages you will get when you cook with gas. It is one of the most convenient ways to cook because all you have to do is uncover your grill, flip a switch, and start cooking. It barely takes 10 minutes for your grill to get hot enough to cook on and compared to other outdoor cooking methods this is very fast.

Another great thing about cooking with a gas grill is the cleanup. It is very easy to clean a gas grill because there are no ashes or mess from charcoal dust or wood. You can let your grill stay hot for ten minutes after you are done cooking and scrape it down a bit and you will be all set. The heat will clean the grill on its own quite well.

The only downside to cooking with a gas grill is that you are going to taint the flavor of the food you cook with the gas a little bit. This doesn’t bother most people and you can use wood chips to help give your food a bit more flavor. If you use wood chips make sure you soak them in water for a while before you put them on the grill.

2. Charcoal Grill

A charcoal grill may be a better way to cook if you don’t want to taint the flavor of your food. There is nothing like getting that good smoky flavor into your food from the grill. Plus charcoal grills are much cheaper than gas grills because they are much simpler. There are many benefits to using a charcoal grill.

You can still use wood chips to help add flavor to your food and if you get the right tools you can light the charcoal and be ready to cook in about 20 minutes. This is a great way to cook outside if you don’t want to use gas, but you want to grill out anyway. You can lock in the great smoky flavor by using a charcoal grill and in most cases it is not as expensive.

Clean up is a bit more strenuous than using a gas grill, but most charcoal grills will have a way that you can dump the dust and ashes pretty easily. This is not much different than unhooking the tank from a gas grill every time it needs to be filled. You will have better tasting food with a more natural flavor with this outdoor cooking method.

3. Over an Open Wood Fire

If you are camping or you have a fire pit in your backyard another choice would be to cook over an open flame with a wood fire. This can allow you to keep the food tasting wonderful and cook in many different ways. You can take advantage of cooking things like cobblers in a Dutch oven or cooking many other dishes with the tools that are made for cooking over an open fire.

When you are camping and you are using a fire to cook most of your meals you can boil many things with simple pots and pans that are made for cooking. However, there are also tools that will allow you to build a pocket style sandwich and put it into the fire to cook. This is great for a pizza type of sandwich or anything else that can be toasted.

Many campers prefer to boil most of the food, but with an open fire you can roast marshmallows, hotdogs, and many other foods with a simple skewer that is long enough to put into the fire without burning your hand. There are many tools to help you cook food while camping and the most natural way to cook outside is over an open fire.

The outdoor cooking method you choose will have a lot to do with what you plan to do with your food. If you are simply cooking outside in your backyard choosing a grill type and cooking is much different than if you are camping out. Campers need more equipment and they have many choices for the tools they can use to cook over an open fire or even with gas burners.

If you want to keep your food tasting as natural as possible you will want to avoid using gas and stick with an open wood fire or charcoal. This is also the way you want to go if you are going to be smoking some type of meat. The smoky flavor comes from the charcoal or the wood you are using and if you use gas it will taint the flavor of the meat you are cooking.

It is up to you what type of cooking you want to do outside and if you are looking for something that is convenient and fast, then a gas grill is the best choice. However, if you are after flavor and you are not concerned about saving time you can either use a fire pit or a charcoal grill for your outdoor cooking needs.

If you want more helpful cooking articles like this one, check out our website’s blog. We also provide great information about food processor reviews and how to choose the best food processor for baby food.