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Managing the Human Being Behind the Business

It’s a common problem and we’ve all seen it – business owners that are just ‘too busy’ all of the time, and as a result, do not enjoy the success in business they had hoped for. Let’s not kid ourselves, there is a lot to focus on: technology, employees, sales, marketing and so on. These functions are essential and need to be well organised and managed. But there is a second aspect to business success that is often overlooked – the effectiveness of the person running the show. Businesses are a reflection of the people who run them. If those people are ‘too busy’, stressed, or poorly organised, then these characteristics are reflected back in the business. The underlying behaviour and values of the business owner drive how much control they need, how they will delegate and how they use their time. Growth of the business and the business owner need to match up
If the business is to grow, then the owner has to take the necessary time to learn the new roles and skills that a growing business will demand. Imagine for one moment where you would like your business to be in 5 years time. Then ask yourself: “Is it possible that I can be exactly the same person in 5 years that I am today and fulfil that growth strategy for my business? The answer has to be no. Business owners need to be prepared for new learning and taking on new, different, and bigger responsibilities – without fear or hesitation. The reality is that the owner is usually the limiting factor in growth – the business can only grow to the extent to which the owner grows. When owners feel out of sorts, overworked, and like they are running on a treadmill, it is almost always because they have fallen victim to the reactive “let’s go faster” management approach. They are forced to live from problem to problem, and may fail to see their own (lack of) self-management as part of the problem. So why aren’t we better at managing ourselves? There’s really four reasons:

• Being comfortable – we all do what we are comfortable with – it’s human nature. So we keep doing what we have always done
• Not knowing what else is possible
• Not knowing that there are other ways to do what they are doing
• Actually getting energy (and maybe some identity) from being stressed and overworked

There are 5 steps to take on the road to better self-management: 1. Clarify personal goals for the future.
Many business owners lose sight of these as they get immersed in the day-to-day running of the business. Articulating your personal goals can reveal any issues about whether these support or conflict with their business goals. These goals need to cover both the immediate and future plans. What do you want to achieve personally in the next 1 to 2 years. And where do you want to be in ten years time?
2. Clarify the business goals.
Having spent some time expressing personal goals for the future, take a look at your business goals and rethink them. Are your personal and business goals working together, or are they working against each other? If they do seem to be mutually exclusive, what choices will you make next? Putting the business goals ahead of your personal ones will inevitably lead to stress and feelings of overwhelm. Determine instead whether the business goals can be re-oriented or modified to support what you would like to achieve personally.
3. Identify the owner’s ideal role 3 years from now.
Think about who you want to be – what role you want to have in the business – in 3 years time. Will you still be doing the majority of work? Will you have others doing the work and your capacity is more advisory? Or perhaps you would like to remove yourself completely from the operational parts of the business and focus on product or business development? Thinking about what you want as an owner in the future can give you great insights into what strategies you may need to put in place now. 4. Conduct a detailed personal time analysis for a one-week period.
This is where the rubber hits the road. If you really are true to yourself when you do this exercise you will learn a lot about where the potential lies for making changes. How are you really spending your time? Break your day down into at least half hour slots and write down exactly what you do in each 30 minutes. 5. Create a plan of action for the next 30 days.
Based on the data from steps 1-4, create an action plan to cover the next 30 days. Your plan should include:

• steps to align personal and business goals
• strategy for moving to the role the owner wants to play in the business in the future
• analysis of the results of the one-week detailed monitoring exercise
• deciding which activities add the most value and planning to spend time on those
• identify how much time is spent on low value activity and planning to delegate or stop doing those things

There is never a better time than right now for planning to do things differently. Take charge of yourself and your business by choosing a direction that allows you to meet both your personal and business goals, and still retain your sanity!

About this Author

Megan Tough, Director of Action Plus, is passionate about helping people enjoy their businesses. She works internationally with business owners to systematically remove the stress points from their business, giving them more time and space for – well -whatever they want! Visit her at http://www.megantough.com for more information on taking the stress out of your business.

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INTRODUCTON – The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include “health coverage,” “health care coverage” and “health benefits” and “medical insurance.” In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness.

In America, the health insurance industry has changed rapidly during the last few decades. In the 1970′s most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-forservice. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important category associated with the indemnity plans is that of consumer driven health care (CDHC). Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

These plans are however associated with higher deductibles that the insured have to pay from their pocket before they can claim insurance money. Consumer driven health care plans include Health Reimbursement Plans (HRAs), Flexible Spending Accounts (FSAs), high deductible health plans (HDHps), Archer Medical Savings Accounts (MSAs) and Health Savings Accounts (HSAs). Of these, the Health Savings Accounts are the most recent and they have witnessed rapid growth during the last decade.

WHAT IS A HEALTH SAVINGS ACCOUNT?

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. The funds contributed to the account are not subject to federal income tax at the time of deposit. These may be used to pay for qualified medical expenses at any time without federal tax liability.

Another feature is that the funds contributed to Health Savings Account roll over and accumulate year over year if not spent. These can be withdrawn by the employees at the time of retirement without any tax liabilities. Withdrawals for qualified expenses and interest earned are also not subject to federal income taxes. According to the U.S. Treasury Office, ‘A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care.

HSA’s enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.’ Thus the Health Savings Account is an effort to increase the efficiency of the American health care system and to encourage people to be more responsible and prudent towards their health care needs. It falls in the category of consumer driven health care plans.

Origin of Health Savings Account

The Health Savings Account was established under the Medicare Prescription Drug, Improvement, and Modernization Act passed by the U.S. Congress in June 2003, by the Senate in July 2003 and signed by President Bush on December 8, 2003.

Eligibility -

The following individuals are eligible to open a Health Savings Account -

- Those who are covered by a High Deductible Health Plan (HDHP).

- Those not covered by other health insurance plans.

- Those not enrolled in Medicare4.

Also there are no income limits on who may contribute to an HAS and there is no requirement of having earned income to contribute to an HAS. However HAS’s can’t be set up by those who are dependent on someone else’s tax return. Also HSA’s cannot be set up independently by children.

What is a High Deductible Health plan (HDHP)?

Enrollment in a High Deductible Health Plan (HDHP) is a necessary qualification for anyone wishing to open a Health Savings Account. In fact the HDHPs got a boost by the Medicare Modernization Act which introduced the HSAs. A High Deductible Health Plan is a health insurance plan which has a certain deductible threshold. This limit must be crossed before the insured person can claim insurance money. It does not cover first dollar medical expenses. So an individual has to himself pay the initial expenses that are called out-of-pocket costs.

In a number of HDHPs costs of immunization and preventive health care are excluded from the deductible which means that the individual is reimbursed for them. HDHPs can be taken both by individuals (self employed as well as employed) and employers. In 2008, HDHPs are being offered by insurance companies in America with deductibles ranging from a minimum of $1,100 for Self and $2,200 for Self and Family coverage. The maximum amount out-of-pocket limits for HDHPs is $5,600 for self and $11,200 for Self and Family enrollment. These deductible limits are called IRS limits as they are set by the Internal Revenue Service (IRS). In HDHPs the relation between the deductibles and the premium paid by the insured is inversely propotional i.e. higher the deductible, lower the premium and vice versa. The major purported advantages of HDHPs are that they will a) lower health care costs by causing patients to be more cost-conscious, and b) make insurance premiums more affordable for the uninsured. The logic is that when the patients are fully covered (i.e. have health plans with low deductibles), they tend to be less health conscious and also less cost conscious when going for treatment.

Opening a Health Savings Account

An individual can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. However not all insurance companies offer HSAqualified health insurance plans so it is important to use an insurance company that offers this type of qualified insurance plan. The employer may also set up a plan for the employees. However, the account is always owned by the individual. Direct online enrollment in HSA-qualified health insurance is available in all states except Hawaii, Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Vermont and Washington.

Contributions to the Health Savings Account

Contributions to HSAs can be made by an individual who owns the account, by an employer or by any other person. When made by the employer, the contribution is not included in the income of the employee. When made by an employee, it is treated as exempted from federal tax. For 2008, the maximum amount that can be contributed (and deducted) to an HSA from all sources is:

$2,900 (self-only coverage)

$5,800 (family coverage)

These limits are set by the U.S. Congress through statutes and they are indexed annually for inflation. For individuals above 55 years of age, there is a special catch up provision that allows them to deposit additional $800 for 2008 and $900 for 2009. The actual maximum amount an individual can contribute also depends on the number of months he is covered by an HDHP (pro-rated basis) as of the first day of a month. For eg If you have family HDHP coverage from January 1,2008 until June 30, 2008, then cease having HDHP coverage, you are allowed an HSA contribution of 6/12 of $5,800, or $2,900 for 2008. If you have family HDHP coverage from January 1,2008 until June 30, 2008, and have self-only HDHP coverage from July 1, 2008 to December 31, 2008, you are allowed an HSA contribution of 6/12 x $5,800 plus 6/12 of $2,900, or $4,350 for 2008. If an individual opens an HDHP on the first day of a month, then he can contribute to HSA on the first day itself. However, if he/she opens an account on any other day than the first, then he can contribute to the HSA from the next month onwards. Contributions can be made as late as April 15 of the following year. Contributions to the HSA in excess of the contribution limits must be withdrawn by the individual or be subject to an excise tax. The individual must pay income tax on the excess withdrawn amount.

Contributions by the Employer

The employer can make contributions to the employee’s HAS account under a salary reduction plan known as Section 125 plan. It is also called a cafeteria plan. The contributions made under the cafeteria plan are made on a pre-tax basis i.e. they are excluded from the employee’s income. The employer must make the contribution on a comparable basis. Comparable contributions are contributions to all HSAs of an employer which are 1) the same amount or 2) the same percentage of the annual deductible. However, part time employees who work for less than 30 hours a week can be treated separately. The employer can also categorize employees into those who opt for self coverage only and those who opt for a family coverage. The employer can automatically make contributions to the HSAs on the behalf of the employee unless the employee specifically chooses not to have such contributions by the employer.

Withdrawals from the HSAs

The HSA is owned by the employee and he/she can make qualified expenses from it whenever required. He/She also decides how much to contribute to it, how much to withdraw for qualified expenses, which company will hold the account and what type of investments will be made to grow the account. Another feature is that the funds remain in the account and role over from year to year. There are no use it or lose it rules. The HSA participants do not have to obtain advance approval from their HSA trustee or their medical insurer to withdraw funds, and the funds are not subject to income taxation if made for ‘qualified medical expenses’. Qualified medical expenses include costs for services and items covered by the health plan but subject to cost sharing such as a deductible and coinsurance, or co-payments, as well as many other expenses not covered under medical plans, such as dental, vision and chiropractic care; durable medical equipment such as eyeglasses and hearing aids; and transportation expenses related to medical care. Nonprescription, over-the-counter medications are also eligible. However, qualified medical expense must be incurred on or after the HSA was established.

Tax free distributions can be taken from the HSA for the qualified medical expenses of the person covered by the HDHP, the spouse (even if not covered) of the individual and any dependent (even if not covered) of the individual.12 The HSA account can also be used to pay previous year’s qualified expenses subject to the condition that those expenses were incurred after the HSA was set up. The individual must preserve the receipts for expenses met from the HSA as they may be needed to prove that the withdrawals from the HSA were made for qualified medical expenses and not otherwise used. Also the individual may have to produce the receipts before the insurance company to prove that the deductible limit was met. If a withdrawal is made for unqualified medical expenses, then the amount withdrawn is considered taxable (it is added to the individuals income) and is also subject to an additional 10 percent penalty. Normally the money also cannot be used for paying medical insurance premiums. However, in certain circumstances, exceptions are allowed.

These are -

1) to pay for any health plan coverage while receiving federal or state unemployment benefits.

2) COBRA continuation coverage after leaving employment with a company that offers health insurance coverage.

3) Qualified long-term care insurance.

4) Medicare premiums and out-of-pocket expenses, including deductibles, co-pays, and coinsurance for: Part A (hospital and inpatient services), Part B (physician and outpatient services), Part C (Medicare HMO and PPO plans) and Part D (prescription drugs).

However, if an individual dies, becomes disabled or reaches the age of 65, then withdrawals from the Health Savings Account are considered exempted from income tax and additional 10 percent penalty irrespective of the purpose for which those withdrawals are made. There are different methods through which funds can be withdrawn from the HSAs. Some HSAs provide account holders with debit cards, some with cheques and some have options for a reimbursement process similar to medical insurance.

Growth of HSAs

Ever since the Health Savings Accounts came into being in January 2004, there has been a phenomenal growth in their numbers. From around 1 million enrollees in March 2005, the number has grown to 6.1 million enrollees in January 2008.14 This represents an increase of 1.6 million since January 2007, 2.9 million since January 2006 and 5.1 million since March 2005. This growth has been visible across all segments. However, the growth in large groups and small groups has been much higher than in the individual category. According to the projections made by the U.S. Treasury Department, the number of HSA policy holders will increase to 14 million by 2010. These 14 million policies will provide cover to 25 to 30 million U.S. citizens.

In the Individual Market, 1.5 million people were covered by HSA/HDHPs purchased as on January 2008. Based on the number of covered lives, 27 percent of newly purchased individual policies (defined as those purchased during the most recent full month or quarter) were enrolled in HSA/HDHP coverage. In the small group market, enrollment stood at 1.8 million as of January 2008. In this group 31 percent of all new enrollments were in the HSA/HDHP category. The large group category had the largest enrollment with 2.8 million enrollees as of January 2008. In this category, six percent of all new enrollments were in the HSA/HDHP category.

Benefits of HSAs

The proponents of HSAs envisage a number of benefits from them. First and foremost it is believed that as they have a high deductible threshold, the insured will be more health conscious. Also they will be more cost conscious. The high deductibles will encourage people to be more careful about their health and health care expenses and will make them shop for bargains and be more vigilant against excesses in the health care industry. This, it is believed, will reduce the growing cost of health care and increase the efficiency of the health care system in the United States. HSA-eligible plans typically provide enrollee decision support tools that include, to some extent, information on the cost of health care services and the quality of health care providers. Experts suggest that reliable information about the cost of particular health care services and the quality of specific health care providers would help enrollees become more actively engaged in making health care purchasing decisions. These tools may be provided by health insurance carriers to all health insurance plan enrollees, but are likely to be more important to enrollees of HSA-eligible plans who have a greater financial incentive to make informed decisions about the quality and costs of health care providers and services.

It is believed that lower premiums associated with HSAs/HDHPs will enable more people to enroll for medical insurance. This will mean that lower income groups who do not have access to medicare will be able to open HSAs. No doubt higher deductibles are associated with HSA eligible HDHPs, but it is estimated that tax savings under HSAs and lower premiums will make them less expensive than other insurance plans. The funds put in the HSA can be rolled over from year to year. There are no use it or lose it rules. This leads to a growth in savings of the account holder. The funds can be accumulated tax free for future medical expenses if the holder so desires. Also the savings in the HSA can be grown through investments.

The nature of such investments is decided by the insured. The earnings on savings in the HSA are also exempt from income tax. The holder can withdraw his savings in the HSA after turning 65 years old without paying any taxes or penalties. The account holder has complete control over his/her account. He/She is the owner of the account right from its inception. A person can withdraw money as and when required without any gatekeeper. Also the owner decides how much to put in his/her account, how much to spend and how much to save for the future. The HSAs are portable in nature. This means that if the holder changes his/her job, becomes unemployed or moves to another location, he/she can still retain the account.

Also if the account holder so desires he can transfer his Health Saving Account from one managing agency to another. Thus portability is an advantage of HSAs. Another advantage is that most HSA plans provide first-dollar coverage for preventive care. This is true of virtually all HSA plans offered by large employers and over 95% of the plans offered by small employers. It was also true of over half (59%) of the plans which were purchased by individuals.

All of the plans offering first-dollar preventive care benefits included annual physicals, immunizations, well-baby and wellchild care, mammograms and Pap tests; 90% included prostate cancer screenings and 80% included colon cancer screenings. Some analysts believe that HSAs are more beneficial for the young and healthy as they do not have to pay frequent out of pocket costs. On the other hand, they have to pay lower premiums for HDHPs which help them meet unforeseen contingencies.

Health Savings Accounts are also advantageous for the employers. The benefits of choosing a health Savings Account over a traditional health insurance plan can directly affect the bottom line of an employer’s benefit budget. For instance Health Savings Accounts are dependent on a high deductible insurance policy, which lowers the premiums of the employee’s plan. Also all contributions to the Health Savings Account are pre-tax, thus lowering the gross payroll and reducing the amount of taxes the employer must pay.

Criticism of HSAs

The opponents of Health Savings Accounts contend that they would do more harm than good to America’s health insurance system. Some consumer organizations, such as Consumers Union, and many medical organizations, such as the American Public Health Association, have rejected HSAs because, in their opinion, they benefit only healthy, younger people and make the health care system more expensive for everyone else. According to Stanford economist Victor Fuchs, “The main effect of putting more of it on the consumer is to reduce the social redistributive element of insurance.

Some others believe that HSAs remove healthy people from the insurance pool and it makes premiums rise for everyone left. HSAs encourage people to look out for themselves more and spread the risk around less. Another concern is that the money people save in HSAs will be inadequate. Some people believe that HSAs do not allow for enough savings to cover costs. Even the person who contributes the maximum and never takes any money out would not be able to cover health care costs in retirement if inflation continues in the health care industry.

Opponents of HSAs, also include distinguished figures like state Insurance Commissioner John Garamendi, who called them a “dangerous prescription” that will destabilize the health insurance marketplace and make things even worse for the uninsured. Another criticism is that they benefit the rich more than the poor. Those who earn more will be able to get bigger tax breaks than those who earn less. Critics point out that higher deductibles along with insurance premiums will take away a large share of the earnings of the low income groups. Also lower income groups will not benefit substantially from tax breaks as they are already paying little or no taxes. On the other hand tax breaks on savings in HSAs and on further income from those HSA savings will cost billions of dollars of tax money to the exchequer.

The Treasury Department has estimated HSAs would cost the government $156 billion over a decade. Critics say that this could rise substantially. Several surveys have been conducted regarding the efficacy of the HSAs and some have found that the account holders are not particularly satisfied with the HSA scheme and many are even ignorant about the working of the HSAs. One such survey conducted in 2007 of American employees by the human resources consulting firm Towers Perrin showed satisfaction with account based health plans (ABHPs) was low. People were not happy with them in general compared with people with more traditional health care. Respondants said they were not comfortable with the risk and did not understand how it works.

According to the Commonwealth Fund, early experience with HAS eligible high-deductible health plans reveals low satisfaction, high out of- pocket costs, and cost-related access problems. Another survey conducted with the Employee Benefits Research Institute found that people enrolled in HSA-eligible high-deductible health plans were much less satisfied with many aspects of their health care than adults in more comprehensive plans People in these plans allocate substantial amounts of income to their health care, especially those who have poorer health or lower incomes. The survey also found that adults in high-deductible health plans are far more likely to delay or avoid getting needed care, or to skip medications, because of the cost. Problems are particularly pronounced among those with poorer health or lower incomes.

Political leaders have also been vocal about their criticism of the HSAs. Congressman John Conyers, Jr. issued the following statement criticizing the HSAs “The President’s health care plan is not about covering the uninsured, making health insurance affordable, or even driving down the cost of health care. Its real purpose is to make it easier for businesses to dump their health insurance burden onto workers, give tax breaks to the wealthy, and boost the profits of banks and financial brokers. The health care policies concocted at the behest of special interests do nothing to help the average American. In many cases, they can make health care even more inaccessible.” In fact a report of the U.S. governments Accountability office, published on April 1, 2008 says that the rate of enrollment in the HSAs is greater for higher income individuals than for lower income ones.

A study titled “Health Savings Accounts and High Deductible Health Plans: Are They an Option for Low-Income Families? By Catherine Hoffman and Jennifer Tolbert which was sponsored by the Kaiser Family Foundation reported the following key findings regarding the HSAs:

a) Premiums for HSA-qualified health plans may be lower than for traditional insurance, but these plans shift more of the financial risk to individuals and families through higher deductibles.

b) Premiums and out-of-pocket costs for HSA-qualified health plans would consume a substantial portion of a low-income family’s budget.

c) Most low-income individuals and families do not face high enough tax liability to benefit in a significant way from tax deductions associated with HSAs.

d) People with chronic conditions, disabilities, and others with high cost medical needs may face even greater out-of-pocket costs under HSA-qualified health plans.

e) Cost-sharing reduces the use of health care, especially primary and preventive services, and low-income individuals and those who are sicker are particularly sensitive to cost-sharing increases.

f) Health savings accounts and high deductible plans are unlikely to substantially increase health insurance coverage among the uninsured.

Choosing a Health Plan

Despite the advantages offered by the HSA, it may not be suitable for everyone. While choosing an insurance plan, an individual must consider the following factors:

1. The premiums to be paid.

2. Coverage/benefits available under the scheme.

3. Various exclusions and limitations.

4. Portability.

5. Out-of-pocket costs like coinsurance, co-pays, and deductibles.

6. Access to doctors, hospitals, and other providers.

7. How much and sometimes how one pays for care.

8. Any existing health issue or physical disability.

9. Type of tax savings available.

The plan you choose should according to your requirements and financial ability.

BIBLIOGRAPHY

1 Questions and Answers about Health Insurance- A Consumer Guide’ published jointly by the Agency for Healthcare Research and Quality (AHRQ)and America’s Health Insurance Plans (AHIP)

2 http://www.en.wikipedia.org/wiki/Health_savings_account

3 2002 AHIP Survey of Health Insurance Plans

4 “How High Is Too High? Implications of High-Deductible Health Plans” Davis, Karen; Michelle Doty and Alice Ho. The Commonwealth Fund, April 2005

5 http://www.fdhc.state.fl.us/schs/pdf/hsa_tri-fold_brochure.pdf

6 HSA/HDHP CENSUS 2008 by Hannah Yoo, Center for Policy and Research, America’s Health Insurance Plans

7″HEALTH SAVINGS ACCOUNTS Early Enrollee Experiences with Accounts and Eligible Health Plans” John E. Dicken Director, Health Care.

8 Thomas Wilder and Hannah Yoo, “A Survey of Preventive Benefits in Health Savings Account (HSA)Plans, July 2007,” America’s Health Insurance Plans, November 2007

9 Gladwell, Malcolm, “The Moral Hazard Myth”, The New Yorker (29-08-2005)

10 2008 Benchmark Survey HAS Bank

11. Employer Health Benefits 2007 Annual Survey, Kaiser Family Foundation

12. Health Savings Accounts and High Deductible Health Plans: Are They An Option for Low-Income Families?Catherine Hoffman and Jennifer Tolbert for Kaiser Family Foundation, October 2006

13. Medicare Prescription Drug, Improvement, and Modernization Act of 2003

About this Author

I am an ardent reader who also loves to write as well. I am an MBA with specialization in finance.

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If you’re looking for a career that will really make a difference, if you want a job that will bring a smile to your face day in and day out, you may want to consider enrolling in an Early Childcare Assistant Diploma program. Designed to train you to play an integral role in the growth and development of preschool children, the program will prepare you for an exciting and rewarding career as a Childcare Assistant.

In addition to being a fulfilling job, the vocation of Childcare Assistant is also one with exciting career horizons. Graduates have many options for employment, including:

· Daycare centres

· Nurseries and pre-schools

· Kindergartens

· Government and non-profit organizations

· Private homes

The best way to enter this field is by applying to an Early Childcare Assistant Diploma program, either at a trade school, or at an early childhood college. Programs are typically relatively short at 37 weeks, ensuring that students can re-enter the workforce quickly. Instructors are always experienced veterans of the field, and are thus able to share their considerable knowledge with students.

Instruction is a mix of classroom theory and “hands-on” training, to ensure that Early Childcare Assistant Diploma program graduates have the knowledge and training they need to be productive employees immediately upon graduation. A typical program course load would include the following:

· A childcare worker’s role

· Technology for childcare workers

· Child development

· Observation techniques

· Guiding children

· Planning a development program

· Children and technology

· Communication skills

· Health and safety

· Nutrition for child caring

· CPR and first aid

Part of the 37-week program is a 14-week job placement. This internship is of particular value to students, as it allows them to gain an even deeper understanding of their future role via a real-life setting. Upon graduation, Early Childcare Assistant Diploma program graduates can look forward to a wide range of responsibilities, including: preparing activities for children, supervising children, telling stories, managing developmental activities, teaching songs, participating in field trips, assisting children with dressing, and monitoring the progress of a child’s development. These responsibilities mean that Childcare Workers have the satisfaction of knowing that they have a significant role in the emotional growth of the child or children under their supervision.

If you’re interested in having a rewarding career that can truly make a difference in the world and in someone’s life, consider enrolling in an Early Childcare Assistant Diploma program. It may be fulfilling career you’ve been searching for.

About this Author

Contact the National Academy of Health & Business for more information on their Early Childcare Assistant Diploma Program.

Percey Evans is a freelance writer who works for Higher Education Marketing, a leading Web marketing firm specializing in Google Analytics, Education Lead Generation, Search Engine Optimization (SEO), Mobile SMS Alerts, Social Media Marketing and Pay Per Click Marketing, among other Web marketing services and tools.

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There is an inherent challenge in finding and selecting TV Mounts, online or off-line, that will enable you to attach your television to the wall or to the ceiling.

Often times, the limited space in your home or office, will require you to employ creative organization techniques in order to be able to decide the most appropriate placement of your television, within a room.

In doctors’ offices, restaurants, day cares, and other offices, it often makes the most sense to utilize a ceiling mount configuration for the placement of the TV. In any environment where it is important to separate the TV from interference by the public, in the operation of the television set, a ceiling TV mount frequently offers the best solution.

Even in the home, TV wall mounts and TV ceiling mounts frequently offer the best solution to the consumer. Before the days of flat-screen TVs, placing a television in the kitchen often meant that the consumer would be required to give up precious cabinet space or shelf space to accommodate the television.

However, with the recent development of thin flat-screen televisions, it has become possible to mount a television to a wall, in some cases to utilize a TV Mount that employs hinges, which will enable the consumer to move the television so that it may be viewed from any location within a room.

TV Mounts have been utilized for the mounting of televisions in nearly every room of the home, including the bedroom, bathroom, laundry room, kitchen, dining areas, and living areas.

Outside the kitchen, the most frequent placement of televisions. in the home. utilizing TV Mounts has been in the living area. With the introduction of Plasma, LCD, and DLP televisions, the desire and the ability to mount televisions to the wall in a common living space has grown in lockstep with the development of new technology and selection.

Also driving the interest in wall mounting televisions is the size of the televisions being purchased. Only a couple decades back, the largest televisions a consumer could buy were 36 inches. With the development of projection TVs, 60 inch televisions became mainstream and part of everybody’s Christmas wish list.

With the large demand for big-screen projection TVs, television manufacturers began doing the research into developing TVs that could produce a nice picture, but overcame the number one flaw projection TVs. That flaw in projection TVs was not in the quality of the picture or in its cost – the flaw in projection TVs was the astronomical size of these televisions. Far too often, the placement of a projection TV in somebody’s living room was enough to reduce the comfortable living space in a room. Unless the consumer lived in a mansion upon the hill, the projection TV had the capability to swallow any room that it was placed into.

Different manufacturers went different ways in the development of new televisions that would deliver a great picture, yet require a smaller footprint in a room. Some manufacturers pursued plasma TVs, and others invested heavily in LCD TVs. Out of the gate, Hitachi developed one of the best plasma televisions in the marketplace. At the same time, Sony was pursuing the development of LCD TVs. To this day, Sony is responsible for developing the most popular and highest selling LCD televisions in the marketplace. Samsung took a different track, by pursuing the development of the DLP TVs. DLP televisions have not yet gained the same level of acceptance that plasma and LCD televisions have gained.

With the development of plasma-display TVs and liquid crystal display (LCD) televisions, came the ability for consumers to wall-mount their new televisions.

You might assume that the television manufacturers would have designed their televisions in such a way that a standard wall-mounted bracket could be used with all of the TVs, from one manufacture. If you were to assume such a thing, you’d be sadly disappointed.

There are cases where a particular TV Mount can be used with a variety of television models. But those kinds of TV Mounts are the exception, rather than the rule.

It is possible to find TV mounting brackets that are defined as compatible with specific television models. In other cases, the definition of how a TV mount can be used will be dictated by the size of the television. In this second case, the TV mount will suggest that it can be used with, for example, a 17 inch to a 24 inch television at a particular style. For ceiling mounted TVs, most are designed to accommodate a tube television. For wall-mounted TVs, TV Mounts can be purchased for nearly every television currently available.

It is often in your best interests, to have handy the model number of your television set when shopping for a TV mount for your home or office. In the event that you are unable to find a specific TV Mount for your television, then you should have handy the measurements of your television to enable you to find a more generic TV Mount.

If you find the selection of TV Mounts to be more challenging than you would like, visit my website shown below to see if I can offer you any help for your specific television mounting challenges.

Coalton Cassady writes for the http://maxroo.com/ website, which is dedicated to helping consumers learn what they need to know to be able to make educated and intelligent decisions about their purchases. One topic he has tackled that is of great interest to many consumers is TV Mounts, used to mount televisions to the wall or ceiling. Learn more at: http://tvmounts.maxroo.com/

Do you need help making sense of auto repair quotes? If you’re like about 95% of Americans, you don’t know much about your car and you really don’t want to. You want to wake up, turn the key, and have the car do what it’s always done: drive to and from work. But on those gut wrenching mornings when the car won’t start, or there’s an evil little light on the dash, we know it’s time to telemarket the pros and hope we get a fair deal and not a sharp stick in the eye.

Now you’re in the shop They’re looking at your car, charging you for it, and when they walk into the waiting room, wiping the grease off their hands, how do you know the car repair estimates they rattle off aren’t complete works of fiction?

Let’s pause for a moment of clarity. Just what is an auto repair scam? We’d like to offer some auto repair help using this simple analogy… Going out to dinner.

Imagine walking into a restaurant any given night of the week. You’re craving (let’s say for sake of argument) a burger, fries and coke. You sit down, the waiter walks over, and before taking your order tells you about the specials. He tells you about their tender sirloin tips, sautéed in a cabernet butter sauce served with garlic mashed potatoes and delectable grilled asparagus spears drizzled with extra virgin olive oil. Your mouth begins to water, and you picture a glass of Shiraz to wash it all down.

Fast forward about an hour. You’re leaving full and happy having spent about $55 more than the original $12 you had planned on. Congratulations! You were just unsold.

Let’s repeat this experience and this time explore a scam… You order the burger, fries and coke. The waiter brings you the carrot plate with an orange juice, charges you for the steak, and then the valet refuses to give you your keys until you pay for the entire dinner including tip and a saganaki you never even knew they served.

Now THAT is a scam.

The truly insidious problem with car repair is how hard it can be to tell the difference. Unlike dinner, the inner workings of your transmission can be subject to interpretation.

The most powerful tool you have against auto repair scams is this: Stop using repair facilities who refuse to provide quality information over the phone or internet. We have a simple, hard and fast rule If a mechanic is not knowledgeable enough to provide at least basic, quality information when I contact them initially; he is not knowledgeable enough to be working on a vehicle. Period.

Service writers and technicians need to understand that the rest of the world lives in the information age. With the ability now for consumers to use free public resources (like IanAuto!) and get information to compare notes, mechanics must stop chanting the old mantra “Can’t tell you, won’t tell you! Bring it in and we’ll take a look”.

Auto Repair Quotes – You Need To Be Aware. You Are Not Helpless. You Do Have Choices The major reason for prescreening is that failure to do so opens you up to a host of potential scams and creepy, high pressure sales tactics.

How hard do you think it’ll be to reverse a mistake when your car is 6 feet in the air with the tires off and they’re pointing out fictitious emergencies?

And if the person on the phone is doing nothing but evading your direct questions, just picture the customer service if you have a problem later on.

Remember, there are some amazing auto service pros out there who will blow your mind with knowledge, honesty and willingness to share. People like this should be given a medal for saving customers on a daily basis. The best thing is they’re either a phone call our mouse click away!

Auto Repair Quotes – Understanding A Very Important Fact: While you should never use a mechanic who will not provide honest, direct answers to your questions, you must also know they will have to take a look at your car to give a realistic, accurate estimate. The truth is that almost 100% of car repair related situations do require a physical inspection by a trained service professional. Cars are highly complex machines and a problem with one system can frequently effect the performance of another.

For example: Check Engine Lights. These little buggers pop on when there’s an issue with a sensor buried in some deep, obscure system. We can all blame the manufacturers for not making this easy to diagnose. In situations like this, there is no way to get around a systems test. You will have to bring in your vehicle, the technician will have to plug in a diagnostic tool, and within about an hour (in most cases) you’ll have a solid idea of what’s wrong. But why can’t the technician tell you that?

We have called hundreds of shops across the country and have been hearing the same thing from close to 96% of them: “Nope, we can’t tell you anything until we see it.” Or “We don’t give any information over the phone, you’ll have to bring it in.” We’ve heard these exact two sentences so many times at this point, we’re starting to think there’s a mechanic’s phone call evasion phrase book!

Here’s a response directly from our database: This is a shop who knows how to answer your questions, even when there is no direct answer…

The “check engine” light is an indication something is wrong somewhere in your vehicle. What it’s saying is one or several sensors/components is failing or providing readings within specifications. Diagnosis and troubleshooting is required to determine the cause of the problem, and this will allow us to provide an accurate estimate regarding exactly what needs to be fixed. The cost for an initial diagnosis runs $X. You can expect the whole diagnosis process to take around an hour. Our technicians are trained to handle these problems and are available ASAP. Please call to set up an appointment.

Now isn’t that better than, “Nope. Can’t say until you bring it in”?

Auto Repair Quotes – The Most Astounding Fact Ever: Your answers are found in your mechanic’s questions. Even though having knowledge of your vehicle is the #1 way to avoid a scam, you can offset being less than informed by digging out good questions from the mechanic. There’s a simple reason for this; it shows they know what they’re talking about.

Because cars have become amazingly complex systems, you should not expect to get a diagnosis over the phone or online. But you should expect information. When you call a shop, the person who picks up the phone should be able to tell you something about something. They should also be able to ask you enough questions to draw out info and further highlight their knowledge and professionalism. They should also disclose if they have an inspection fee, disclose if that fee will be waived if you approve the work, and then be courteous enough to ask for an appointment.

Brakes, engine trouble, weird smells, and noises… in almost every auto repair related situation you must find a person who may not give you an exact answer, but will be able to tell you exactly why.

Auto Repair Quotes – Bottom Line: An up sell is offering premium parts instead of the basic stock; a scam is creating problems or lying about repairs needed. Scams can be avoided by finding a service pro who will directly address your questions and/or concerns. And while maybe not diagnosing your problem, at least offering quality information as to why.

Drew Turnbaugh is a spokesperson for Auto Repair Report. Auto Repair Report teaches drivers how to save thousands of dollars on Auto Repair [http://www.AutoRepairReport.com] costs… Without needing to become a mechanic! Check it out today!

The role of an internet marketing specialist is to drive traffic

to a website and to assist with the improvement of conversion

rates – converting website visitors to buyers. Some individuals

are good at driving traffic and others are good at creating web

copy that closes sales. In order to be a full-service internet

marketing specialist, you really have to have the skill to do

both because enormous amounts of traffic doesn’t matter a bit if

that traffic does not result in revenue.

Even so, different people have different talents and one person’s

gifts may complement another’s. So, if you have strong skills in

one area and not the other, you may need to work with an internet

marketing specialist whose strengths compensate for your

weaknesses and vice versa. Sometimes an internet marketing team

achieves much more than any internet marketing specialist could

do alone.

Specific tasks that an internet marketing specialist or team of

internet marketers engage in to accomplish the two main purposes

of internet marketing – driving traffic and closing sales -

include:

1. Brainstorming

2. Market research

3. Identification of target markets and niche markets

4. Competitor analysis

5. Development of products and services

6. Creation of a unique selling proposition

7. Keyword research

8. Identification, analysis and selection of marketing

channels

9. Budgeting

10. Strategic planning and setting of milestones

11. Creation of marketing materials including sales copy

12. Website development

13. Administration of the internet marketing plan

14. Analysis of the effectiveness of the marketing program

15. Continual strengthening and improvement of the marketing

plan and marketing program

Effectively addressing all of these tasks that are necessary for

productive internet marketing really requires quite a vast skill

set. Everybody has strengths and weaknesses in various areas of

internet marketing. It is ideal if you have an internet marketing

team made up of individuals that are internet marketing

specialists in all of these areas; however, reality is not always

ideal. Because it is rare for any one individual to be strong in

each of these areas most people need professional assistance from

an internet marketing specialist with one or more of the internet

marketing tasks.

If you work with an internet marketing specialist or a team of

internet marketers, it is vital that everyone on the team

communicates clearly and effectively. With clear communication

the results from specific internet marketing tasks can be

integrated to create a strong, effective internet marketing

program that produces significant results in regard to driving

traffic and generating revenues.

In order to determine whether or not you are capable of being

your own internet marketing expert rather than contracting your

internet marketing tasks to an internet marketing specialist or

an internet marketing firm, do an honest analysis of your skills

as they relate to the fifteen internet marketing tasks mentioned

previously. In reviewing them, you are sure to find some that you

feel confident about and some that cause uncertainty. If you are

not comfortable with your own internet marketing knowledge and

skills, you may choose to hire an internet marketing specialist

to complete the tasks you are uneasy about, or you may choose to

pursue training or education to enhance your knowledge of

internet marketing and strengthen your own skills.

With desire, drive, time and perseverance, just about anyone can

become an internet marketing specialist. To be an effective

internet marketing specialist you must be willing to learn from

others as well as learning from your own mistakes. As you gain

experience in internet marketing, you will naturally develop

expertise and as time marches on you will undoubtedly feel more

comfortable with tasks that seem complex at first and you will

definitely gain self-confidence as you experience the positive

effects of your internet marketing efforts.

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

New product development and innovation is much more difficult and time consuming than most other business activities. Automotive rapid prototyping greatly enhances learning speed and reduces the risk of new automotive parts development.

Historically, the automotive industry has been using rapid prototyping as an important tool in the automotive parts design process. The extremely fast-paced automotive design cycles require an extremely fast prototyping system which can produce car parts fast and inexpensively.

The main objective of automotive prototyping is to learn quickly: how a new automotive product behaves in its natural working environment, before transferring the prototype to the production line. Many times, mistakes are learned only after a new automotive part is launched. This is the main explanation for poor automotive parts design, from product mismatch, poor engineering and function or finish, and overpriced production. In order to accelerate the learning curve, before these costly automotive prototyping mistakes are made, one must accelerate and facilitate feedback loops from tests in the lab and market trials.

Automotive Manufacturing Technologies

Working with an assortment of rapid prototyping equipment, automotive prototyping engineers utilize the most advanced 3D printers, in their quest for perfect form, function and utility. Working in advanced manufacturing centers, the automotive engineers use the technology to verify what they are doing, and, equally important, to save tremendous amounts of time, and money.

Automotive Rapid Prototyping Compresses Development Time

The advantages of 3D rapid prototyping model creation versus viewing a cad/cam model on a computer screen is palpable. Automotive parts engineers get together discuss the pros and cons of a rapidly produced automotive parts model and discuss the pros and cons of the design, as they pass it around, twisting and viewing the prototype, and decide if that is what they had in mind. This way, problems get solved up front, before going to the assembly line! Once determined that the automotive prototype design is a go, the model can then be sent to a die maker.

Automotive Prototyping and the Die Maker Process

The die maker cannot use model to make the die, but because they have it in their hand and can look at it and feel it, they can determine where the parting lines will be and exactly how much steel they will need to produce it. The timing of the die process is greatly compressed.

Examples of Automotive Rapid Prototyping Parts

· Engine castings and parts

· Car Engine parts

· Auto Mechanical parts

· Car Dashboards

· Car Handles and Knobs

· Auto Body Components

· Car Trim parts

Fail first Paradox in Automotive Rapid Prototyping

The automotive rapid prototyping paradox is to fail earlier rather than later. By failing earlier, the design engineers surprisingly succeed in accelerating the project; this greatly reduces development cost risk. By considering all automotive prototype failures as learning experiments, the engineer has much less stress, knowing that they are practicing the old adage, that success comes from ninety-nine percent failure and introspection.

Dan Flower is a writer for Objet Geometries Ltd, an automotive prototyping 3D printer manufacturer.

Washing Your Car Regularly.. Why?

Aside from the obvious of having a car that looks great, car washing can protect the cars finish. Bird droppings and bug splatter can get to be real relentless at different times. Also air bourne contaminant( some we can’t even see), all wage a consistent and prolonged attack on your cars finish.

Bug splatter for instance, have acids and particles in them that can eat away at the clearcoat of your car, making it susceptible to rust.The metallic particles that come off the rotor as well as brake dust with its adhesive properties from the factory, and tar, all do damage to your cars paint.

So how can we stop the culprits right in there track, by washing our vehicles regularly!

How and Where To Start

I don’t know if you knew this or not, but most of the swirl marks we see on our car is from washing the car. I know you have seen one of those dark colored cars that look real good at a 30000 ft view. However when you get up close it is riddled with swirl marks. They kinda look like cookies.

Why this knowledge is important is that it helps us all to realize, that even though washing a car seems so simple, What is often overlooked is that there is a right and a wrong way to do it. That is the first place to start is with this understanding.

I like to start out by finding products that will not scratch the paint. I use a chenille wash mitt, or a microfiber one. They both do a great job at pulling the dirt away from the paint and holding it in there fibers so that it does not scratch the paint.

Please don,t use dish washing liquid to wash your car with, why? Dish detergent has properties in it that strip the paint of the oils it needs to keep from drying out. So use a good car wash shampoo to wash the car with. I use Meguiars Soft Gel, its ph balanced with no detergents, and has lubricants in it that bring out the gloss in the paint finish.

Washing the Car

Because I do not want those swirl marks on my car, or any car I work on. I use more than one bucket to do my car washing. I recommend to do it that way if you can, cause after you make a pass with the wash mitt its gona be dirty. Instead of constantly washing with the water hose, just dip it in the bucket of fresh water to remove the dirt then back in the soapy water.

With that said, as always I like to wet down the car real good with water to remove what I can before I start car washing and you should too, it gets of some the dirt that I would otherwise have to.(I know call me lazy) Also before you suds away, this is a good time to remove any bugs and tar using a bug and tar remover. Gold Class Bug and Tar Remover is the way to go here.

Then begin by cleaning and doing the Wheels and Tires. I have written an article on that for you, so if you want to start with the article before moving on.

Using a soapy sponge, and with the car wet down apply the bug and tar remover going over the car until you get all those unsitely trouble spots. After you are finished, rinse area with water.

Starting at the Top of the vehicle go ahead start to wash the car, taking a moment between passes to rinse the car off, as you work your way down from the top to the moldings.

Remember clean the wash mit often in order to keep as much dirt as possible, from being introduced back on to the paint. While car washing be sure to get the door jams, the area outlining the trunk and up under the hood in that hood pocket outlining the engine.

Its important to wash the car completely from top down, as the bottom is alway the dirtiest, as well as under the hood area so do those last. Preferably with a different Wash mit either way remember not to introduce a dirty wash mit back on to the paint.

Drying The Car

I like to use a Dual Pile Microfiber towel to dry the car with. Starting with the windows first, go ahead and dry the car off. Then after you get the windows. Start drying from top down like you washed the car. Do the door jams, and Trunk lid, and under the hood, after you have dried all the other panels of the car like we talked about.

That way we continually eliminate the chance for scratches and swirl marks while you are car washing. If washing the car in the sunlight try not to let the water dry on you, or it will leave water spots. So do the car washing out of direct sunlight if at all possible.

You want more great car detailing secrets? Come visit us at Auto-Detailings.com for all your car care needs.

K.M.Dodd is a car enthusiast, and an experienced auto detailer with over twelve years in the field of automotive detailing. Auto-detailings.com [http://www.auto-detailings.com] is a growing compilation of his knowledge and expertise. At Auto-detailings.com [http://www.auto-detailings.com] you can read up to date content-rich quality information in an easy to understand style. Written for the Do It Yourself Detailer

So many fashion dolls to choose from

For doll collectors who have a liking for fashion, collecting fashion dolls seem like a logical option as a hobby. And there are so many different types of fashion dolls out there in the market that it’s easy to get confused. There are large toddler-sized fashion dolls, there are teddy bear sized fashion dolls and…let’s not forget those tiny little miniature fashion dolls that you can place over dressing tables, closets or on the bedside table itself!

Although fashion doll collecting is deemed to be a favorite hobby or interest that people of the fairer sex likes to indulge in, some men actually like collecting fashion dolls too! So, doll collecting is not a hobby exclusive to girls…men can and some do collect fashion dolls.

Contemporary fashion dolls, vintage or modern fashion dolls? Your choice

Fashion dolls have very contemporary designs today with a fusion of modern fashion clothes mixed and infused with traditional and conventional elements. Fashion dolls like Robert Tonner dolls are truly made for the hard core doll collector. Their dolls have a whole range of modern fashion dolls, vintage fashion dolls and also fashion dolls based on characters. Fashion dolls with characters, names and a personality profiles written out are often a hit with doll collectors. Barbie dolls sell like crazy – not only a hit with youngsters, but a hit with adults as well. In fact, the Barbie doll is, without a doubt, the leader in fashion dolls. Barbie dolls have been selling like hot cakes for ages and we don’t think it will stop anytime soon, either. As long as clothes designers keep coming up with new clothes and fashionable accessories for their Barbie fashion dolls, people will keep on buying.

Knowing where to find your fashion dolls

Knowing where to find affordable fashion dolls will make a huge difference to your budget, especially if you don’t have a lot of money to spend on this fashion doll collecting hobby of yours. Most of us don’t. You don’t have to have all the fashion dolls in the market today – it’s not urgent! Although a point to note is that new fashion dolls are often grabbed up in minutes after they hit the stalls. Keep some spare money and budget the money you want to spend on fashion dolls every month – and don’t overspend. It’ll make you feel resentful and you’ll soon lose interest in fashion dolls.

Buying fashion dolls online

For sure, you can find a wide range of fashion dolls in supermarkets, hypermarkets, and in children’s toy stores. But the best way to find cheap fashion dolls is online. Yes, online. Be warned that you have to be careful about whom you buy the fashion dolls from if you buy it online. Get to know the seller first before you part with your money….even if you’re desperate to have the fashion doll! Online auction websites like eBay, Amazon and Box Lot have tons of fashion dolls listed for sale at ridiculous prices. But as mentioned, be wary of the seller.

One last point to make about buying and collecting fashion dolls is this; it’s not the number of fashion dolls in your collection that counts. It’s the quality of those fashion dolls that makes a difference!

o Bisque. Many old, foreign dolls have heads and/or bodies made of bisque, which is an unglazed porcelain material.

o Composition. Composition is a (surprise!) composition of wood pulp, sawdust, and glue. The mixture was used to make heads and/or bodies of dolls before plastic came along and took over the industry.

o Celluloid. Before hard plastic came out, dolls were made of celluloid, a thin, highly flammable type of plastic. Don’t smoke near your celluloid doll!

o China. Many dolls that came out in the mid-1800s were constructed from glazed porcelain called “china.”

o Hard Plastic. A very durable plastic that was popular in constructing dolls in during the mid-1900s.

o Vinyl. Vinyl was often used in dolls of the 1960s. It can be hard or soft, and it sometimes has that that yummy plastic smell.

Dakota Caudilla, journalist, and website builder Dakota Caudilla lives in Texas. He is the owner and co-editor of [http://www.doll-headquarters.com] on which you will find a longer, more detailed version of this article.

One of the biggest problems for most people is simply understanding the health insurance benefits that they have. For the most part, health insurance policies try to be user-friendly in their wording, but many people are just not familiar with medical and insurance terminology.

Most health insurance policies also provide something similar to a cheat sheet which gives the basic outline of policy coverage and covers the most common medical services. However, you need to be sure that you understand the different things that are excluded under your plan. Many health insurance plans provide limited benefits for services such as mental health, chiropractic services, and occupational health. Even physical therapy and home health care are often limited to a certain number of visits per year.

Co-payment or Co-pay

A co-payment is a pre-determined amount that you must pay a medical provider for a particular type of service. For example, you may be required to pay a $15 co-payment when you visit your doctor. In this instance, you must pay $15 to the doctor’s office at the time of the visit. Normally, you are not required to pay any additional fees — your health insurance company will pay the rest. However, in some cases, if your health insurance policy specifies it, you may be responsible for a co-payment and then a percentage of the remaining balance.

Deductible

A deductible is the amount of your medical expenses you must pay for before the health insurance company will begin to pay benefits. Most health insurance plans have a calendar-year deductible which means that in January of every new year the deductible requirement starts over again. So, if your calendar year deductible is $1500, as long as your medical expenses for the current year do not exceed $1500 the insurance company pays nothing for that year. Once January of the new year starts, you have to begin again to pay for $1500 of your own medical expenses.

Coinsurance

Coinsurance (or out-of-pocket expense) is the amount or percentage of each medical charge that you are required to pay. For example, you may have a $100 medical charge. Your health insurance company will pay 80% of the charge and you are responsible for the additional 20%. The 20% is your coinsurance amount.

Coinsurance accrues throughout the year. If you have a large number of medical charges in one year, you may meet the coinsurance maximum requirement for your policy. At that point, any covered charges will be paid at 100% for the remainder of the calendar year.

Stop loss or out-of-pocket expense limit

Sometimes you will hear the out-of-pocket expense limit referred to as your stop loss or coinsurance amount. Basically, this is the amount you will need to pay out of your own pocket per calendar year before the health insurance company pays everything at 100%.

You will need to check your policy because many policies that require co-payments do not allow these co-payments to go toward the out-of-pocket amount. For example, you may have reached your out-of-pocket maximum for the year, so if you are admitted to the hospital you may pay nothing. However, since you have to pay a $15 co-payment every time you visit the doctor, you will still have to make this co-payment.

Lifetime maximum benefit

This is the maximum amount that the health insurance company will pay toward your medical expenses for the lifetime of your policy. Generally, this amount is in the millions of dollars. Unless you have a very severe condition, you will not likely exhaust this amount.

Preferred Provider Organization

A Preferred Provider Organization (also known as a PPO) is a group of participating medical providers who have agreed to work with the health insurance company at a discounted rate. It’s a win-win situation for each side. The insurance company has to pay less money and the providers receive automatic referrals.

In most health insurance policies, you will see different benefit levels depending on whether you visit a participating or nonparticipating provider. A PPO plan provides more flexibility for the insured person because they can visit either a participating or nonparticipating provider. They just receive a better price if they use a participating one.

Health Maintenance Organization

A Health Maintenance Organization (also known as an HMO) is a health insurance plan which restricts you to only using specified medical providers. Generally, unless you are out of the area of their network, no benefits are payable if you go to a nonparticipating physician. Typically, you are required to select one main doctor who will be your Primary Care Physician (PCP). Any time you have a health problem, you must visit this doctor first. If they feel that you need it, they will refer you to another network provider. However, you cannot just decide on your own to visit a specialist; you must go through your PCP.

Medically necessary

You will see this term in all health insurance policies, and it is a frequent cause of denied claims. Most insurance companies will not cover any expenses that they do not consider medically necessary. Just because you and/or your doctor consider something medically necessary, your health insurance company may not. For this reason, you always need to verify that any costly procedures you are considering will be covered.

Routine treatment

Routine treatment is generally defined as preventive services. For example, a yearly physical examination that you have on a regular basis is generally considered to be routine. Many of the immunizations that children and adults receive fall under this classification. Some insurance companies provide limited coverage for routine treatment; others provide no benefits at all.

Pre-existing condition

A pre-existing condition is a condition that you acquired and/or received treatment for prior to the effective date of your current health insurance policy. Health insurance companies vary on how they treat pre-existing conditions. Some companies will not give you coverage at all if you have certain chronic pre-existing conditions. Others will give you coverage but will not provide any benefits for a period of time — usually from 12-24 months. Still, other health insurance companies will specifically exclude a pre-existing condition from a policy and will never provide any benefits for that condition.

Be sure that you are very clear on the pre-existing limitations of your policy so that you are not unpleasantly surprised when you visit your doctor.

Explanation of Benefits

This is the form that the health insurance company sends you after they complete the handling of your claim. It details the bill they received and how they processed it. It is commonly called an EOB.

Coordination of Benefits

If you are eligible for benefits under more than one health insurance plan, your various health insurance companies will need to coordinate benefits. This insures that no more than 100% of the total charge is paid. There are many variations on how this situation can occur. In general, the primary company makes their payment first. Then you file a copy of the charges with the secondary company along with a copy of the Explanation of Benefits (EOB) from the primary company. The secondary company usually picks up the remainder of the bill.

Participating provider

A participating provider is a medical provider who has signed a contract with a health insurance company or health insurance network to charge pre-determined rates to patients who are in the network.

Nonparticipating provider

A nonparticipating provider is a medical provider who does not have a contract with a particular health insurance company or network. If you use a nonparticipating provider, you will generally pay a larger portion of the bill. In some cases, you may be responsible for the entire bill.

Limited benefit plans

These are not considered to be comprehensive medical insurance plans. Instead, they provide very specific, limited benefits for different types of services. For example, they may provide a flat rate for each day you stay in the hospital or pay a limited amount for each surgical procedure that you have.

Typically, they are marketed toward people who cannot afford or are unable to obtain more comprehensive coverage due to pre-existing health conditions. Or, they may be geared toward people who have high-deductible plans. The good thing about these plans is that they generally pay in addition to any other coverage you may have. Therefore, no coordination of benefits is required.

If this is your only coverage, be aware that you will usually have to pay a large portion of any bill as these limited plans do not usually pay large amounts per day. For example, it may actually cost you $1000 a day to stay in the hospital. If your limited benefit plan pays you $200 a day for each day you spend in the hospital, you will be personally responsible for the remaining $800 per day.

Medicare supplement plans

People who have Medicare often choose to purchase a Medicare supplement plan as Medicare does not usually cover medical charges in full. Medicare continues to change and add new options but, in general, a supplemental plan pays the balance of the medical charges after Medicare pays its portion. For example, most Medicare supplements will pick up the Medicare deductible.

Some policies also pay for some of the charges that Medicare may not cover. There are many different policy variations. If you are not sure what you are purchasing, consider contacting a broker that assists senior citizens.

Steven D. Smith is a licensed life and health insurance professional and CEO of SDS Financial, LLC. He is also the author of the “2008 Guide to Choosing and Using Your Health Insurance Plan” and “Your Guide To Good Health Insurance”. Other articles and books about Health Insurance written by Steven Smith can be found at his website [http://www.prohealthquotes.com]

For an immediate health insurance quote comparing 200+ quality plans, visit [http://www.prohealthquotes.com]

Picture this. You are stuck at home knee deep in household

chores. Your mind wanders from taking out the trash to hiking

on a scenic trail with heart pumping terrain. You are an avid

hiker and yearn to strap on your hiking gear and hit the trails.

Unfortunately, a hiking trail adventure is not in the cards for

you today, but you can find the next best thing by logging onto

your computer.

The Internet is filled with interesting websites dedicated to

hiking and outdoor sports. Many hiking websites are packed with

information about hiking gear, trails, and hiking vacation.

However, you want more then just basic information. You desire

to connect with other hikers. You are hungry for more

information, experience, and the friendship of other hikers.

Seek no further than hiking discussion boards and forums on the

Internet. You can swap hiking stories with pals from around the

globe. Discussion boards and forums allow you to ask hiking

questions and receive many insightful answers and perspectives.

Most importantly, you will feel a part of the hiking community

even when you are unable to make it out to the trails.

There are a myriad of hiking discussion boards and forums to

participate in. New forums pop up everyday as more and more

people link up to the global community on the Internet. Some

discussion boards and forums are free while others require a

small fee. The key is to take advantage of the personalized

forums and learn from fellow hikers. Often times you will hear

the “true” story regarding hiking gear, trails, and vacations.

For example, you are interested in taking a hiking trip out

West. You’ve scanned through different websites for

information, but you want an insider’s guide to the trip. Read

through discussion boards as many forum members can provide an

unbiased account of their trip as opposed to a hiking

advertisement that depicts the hiking vacation as spectacular.

The “true” story may not always be negative, in fact it may be

better then advertisements claim. You can also garner tips from

the discussion board to make your hiking adventure the best it

can be.

Following are two hiking message boards to get you started.

Mountain Zone.com:

http://forums.mountainzone.com/mz_tools/forum/ This

information intensive website about hiking and other outdoor

sports has a great discussion board. The two main topics of the

discussion board are hiking and gear. If you go into the hiking

forum you will discover topics ranging from snowboarding to

hiking trails. You are allowed to post a message to the boards

once you create a free user name and password.

Trailplace.com:

[http://trailplace.com/portal/forum_display.php?id=6] This is an

Appalachian Trail resource site. Discuss everything you’ll need

when hiking the trail. They also present a forum for hiking in

general. The message boards are used frequently and will supply

you with ample information.

You can still feel connected to the hiking world even when you

are sitting in your living room. Keep yourself current on

hiking news, trails, and gear. The Internet brings hikers from

every region of the world together. Join in the fun and log on

to your computer right now.

Monica Marty is a hiking fan and the webmaster of http://hikingtrailfinder.com/ where you will find a directory and information on Hiking

Imagine a 5-day guided hiking trip through one of the most biologically diverse mountain ranges in the United States. This multi-day trail hike through the Rogue River-Siskiyou mountain range is so unique that it is scheduled just once in May of 2008. While on the 40-mile trail trek, hikers will literally “walk through” incredibly diverse ecosystems, significant historic sites, and view myriad wildlife.

Scientists have described the Rogue River-Siskiyou wilderness range as one of the most plant diverse eco-systems in the United States-rivaled only by the Great Smokey Mountains. The old and complex geology, the global position and transverse orientation of the Siskiyou Mountain Range, which connects the Northwest’s Cascade and Coast Ranges, are responsible for creating this incredible eco-system.

Guided by enthusiastic hiker and Siskiyou trail historian, Jim Jackson, the 5-day, inn-to-inn hiking trip is a unique blend of exercise, biology, history, and, yes, comfort. Hikers leave heavy backpacks with the support rafts that shadow them on the Rogue River below. No tents necessary on this trip. Each night, with the exception of the first hiking night, hikers are welcomed into rustic lodges that provide private cabins, hot showers, and soft beds with fresh linens. Basically, all a hiker on this trail adventure needs is a daypack to carry a water bottle, camera, and perhaps an extra pair of comfy socks.

Jackson was the primary trail guide and organizer for the Sierra Club’s Rogue River-Siskiyou wilderness hiking trips for over 10 years. He worked in tandem with Whitewater Warehouse, an outfitter on the Rogue River to stage these incredible hikes. It was through this decade-long experience of running the hiking trips that Jackson’s desire to organize his “dream hiking trip” took shape. Planned for early May of 2008, the 5-day lodge-to-lodge hiking adventure meanders through the ecologically rich Rogue River-Siskiyou wilderness.

“This hiking experience is like no other…and I have hiked all over the world,” says Jackson. “You walk through all the glories of nature on the Siskiyou trail. The diverse eco-systems are just incredible. Over the 40+ miles, hikers see rocky, dry areas, rainforests that are home to some of the most sensitive plants in the world, eye-popping fields of wildflowers and fragrant wild azaleas lining the riverbanks.

“History is everywhere on this hike. Hikers have a chance to look in on author Zane Grey’s Rogue River cabin, view a gold mine near Tyee rapids on the Rogue River where 300 Chinese workers once took one million dollars in gold dust, and discover the where battles for “the territory” were fought between the white man and the Rogue River Indians.”

Jackson begins his dream hike with a first evening’s stay at Morrison’s Lodge. “I think it is a must to stay at Morrison’s Lodge the night before the actual trip begins. Gives all the hikers a chance to get to know one another and ask questions about the upcoming hike. The Lodge at Morrison’s is not far from the trailhead. The meals are marvelous and served outside on a deck with an expansive view of the river. A serene and relaxing experience to start this incredible adventure.”

The actual five-day hike begins at the trailhead of the wild and scenic section of southern Oregon’s Rogue River known as Graves Creek. Named after the grave of Martha Leland Crowley, the daughter of a pioneer couple, Martha was buried under an oak tree near the creek in 1846. The first five miles of the trail are somewhat rocky so hikers need to have sturdy hiking shoes/boots. The rocky layers are part of the Rogue-Siskiyou formation. They are a result of lava flows and rocks formed by ancient volcanoes, which were active 140 million years ago. High temperatures and pressure have altered and folded these rocks into nearly a vertical position. Signs of this folding can be seen on the steep canyon walls carved out by the powerful forces of the Rogue River over a period of nearly a million years.

Day one takes hikers 11 miles down the trail. The trail is in very good condition in this first section-three or four feet wide-so hikers feel at ease even though the trail proceeds right along a ledge carved out of the cliff. Views of the river here are excellent. On this section of the trail there are very few trees so it can get extremely hot in July and August-which is why May is such a great time to hike the trail. Whiskey Creek with its historic cabin is the perfect place to take a lunch break. Hikers leisurely stroll across the crystal-clear creek by way of a footbridge and explore the historic cabin while a spectacular riverside lunch is being prepared.

The trail gets narrower in the afternoon and with more afternoon heat. Hikers are happy to be greeted by Whitewater Warehouse’s upscale camping accommodations (Black Bar Lodge is closed many evenings in May). An incredible riverside dinner of bourbon-basted Oregon salmon, country biscuits, homemade raspberry jam, and organic green salads await hikers. Cots, sleeping bags, pads, tents are provided. Wine and beer, in moderation, are served with dinner.

The next morning hikers arise to a country breakfast served overlooking the famous Rogue River Horseshoe Bend rapids. The hike to Marial Lodge is a beautiful 13-mile hike. The trail in this section is in fine condition, again in sparse forest, and has fewer up and down sections than the previous stretch. The scenes are as beautiful as the day before, with even more wild flowers, including many “hen and chickens” succulents and gold/brown wild iris. Lunch is near Zane Gray’s cabin giving hikers an opportunity to experience history firsthand. The Rogue River Ranch museum is also located on this stretch of the hike-living history is everywhere. Upon arrival at the first riverside lodge, Marial, the friendly caretakers, Pat and Lori Cameron, greet hikers. Private cabins with bathrooms/showers and comfy twin beds await hikers. The Rogue River lodges date back to an era when fly-fishing on the Rogue was en vogue. So the atmosphere is rustic but clean and the food is outstanding.

On morning three, hikers enjoy a leisurely breakfast and head out about 1 p.m. for Paradise Lodge. This is a shortest hiking day-just 5 miles. Once at Paradise, the afternoon can be filled with short hikes around the area (led by Jackson) or spent relaxing at the Lodge. Again, a wonderful dinner and breakfast await hikers with private lodging accommodations. Paradise Lodge has no road access so all supplies are brought in by boat. Even guests must arrive by boat, hike in, or land their airplane there. Paradise has its own grassy field used as an airport, complete with runway markers and a windsock.

Since yesterday was a short hike day, hikers don’t tend to be so hungry for breakfast on this morning. Still, it is hard to resist the homemade bread, ham and egg country breakfast buffet. Moving down the trail on the fourth day hikers end up at Clayhill Lodge…a hike day of about 7 miles. This day, below the hiking trail, hikers have bird’s eye views of Huggins Canyon and Brushy Bar rapids on the famous Rogue River. Private cabins, snacks, dinner and breakfast are offered at Clayhill. Clayhill Lodge was featured in 2006 on Public Broadcast System (PBS) as an “Adventure Lodge of North America.” The series still runs periodically on PBS.

Day five begins as hikers linger over an excellent breakfast and lots of coffee. This section of the trail can have rock slides and downed winter trees. Wear long pants because poison oak can be prevalent here. The canyon is not so narrow here and hikers are quite often away from a view of the river; separated from it by a marshy area. The trail eventually joins a road, paved this time, and it is an approximate 7 miles hike to the take-out. Hikers arrive around 1:30 p.m. and eat a fabulous riverside lunch served by WWW guides. Vans take weary but happy hikers back over the mountain to waiting vehicles parked at Morrison’s Lodge.

Joy Henkle has spent two decades as an outdoor writer for magazines, newsletters, websites, and more recently, blogs. Over much of the last decade, her travel expertise has been focused on Oregon’s unique and diverse Rogue River region. Visit her at Whitewater Rafting Blog or Whitewater Warehouse

If you are a high school senior or junior making decisions about the college you will attend and your goal is to graduate with a good job, you should think about a few issues that are seldom discussed. Since the cumulative effect of your choices can greatly impact the number of employers that will want to interview you in your senior year of college, wise students carefully think about each decision.

When evaluating colleges, most students and parents consider factors such as:

- Accreditation

- Admission Requirements

- Grant/Scholarship Money

- Tuition, Room & Board

- Size, Location and Environment

- Distance from Home

- Safety and Security

- Class Size

- Dorms

- Medical Facilities

- Campus Activities, Entertainment & Sports

- Gut Feelings

Although those college selection factors are important, there are other considerations that should also be evaluated. Here are a few things that may affect your chances for finding a good job when you graduate.

Reputation Of The College- Students should apply to the best colleges they can afford, colleges with a good reputation in their field of interest. A good college reputation will help when you begin to look for a job. Even if you are still uncertain about your major, keep in mind that nationally known and respected colleges tend to be more attractive to many employers. You will have to decide whether graduating from a college that is highly respected in your field, is worth the financial sacrifice.

Questions: Is there a two-year or lower cost four-year college that you can attend for the first two years and then transfer to a better college? Have you considered working full time and attending college at night or on weekends, as a way to afford a college with a good reputation in your area of interest?

Job Search Preparation and Employment Assistance – There will be great variations in the quality and quantity of people, training and services that colleges provide to students in the critical areas of job search preparation and employment. Some colleges recognize the importance of job search preparation, accomplishments and work experience. Other colleges don’t even help very much with the senior year job search.

Since your goal is to graduate from college with a good job, a great deal of weight should be given to colleges that aggressively support and encourage each student’s job search preparation efforts through ongoing training, coaching and job identification. A short meeting with someone in Career Services in the senior year of college is totally inadequate for any student who hopes to land a good job.

Questions: How many people work in the Career Services Office, as compared to the total number of students? Does the freshman orientation program emphasize preparation and planning for the end goal? Does the college recognize that preparation for the senior year job search starts in the freshman year and continues throughout the college experience? How much job search training and personal attention will students receive each year? How many employers visited the campus last year to recruit students in your specific field of study? How does the college help seniors find jobs in their own field? Have the college leaders created a campus culture that truly helps students find good jobs? Does the college maintain a close relationship with alumni who can help students find good jobs? Do your professors and instructors serve as consultants to employers or belong to associations in your field? Do they introduce students to their industry contacts?

Active Student Participation – Employers love students who can present them with a list of significant accomplishments. Getting involved with on-campus and off-campus activities is a good way to demonstrate student capabilities and successes.

Questions: Does the college and the local area offer students a wide array of opportunities to participate in campus, community, work and leisure activities where students can accumulate a list of successes and impressive accomplishments? Will the student take advantage of these opportunities to work and participate?

Your College Major – Not all college majors lead to good jobs. However, most students will do better when they select something they do well at and enjoy. Therefore, students should do some research and identify colleges that have a good reputation in their field of interest.

Even though a college has a good overall reputation and offers 60 – 80 different majors, not every major offered is of the same quality or has the same reputation among employers. When a college has a great reputation in a given field, more employers will seek out, interview and hire students from that college. Wise students take the time to find out which colleges have the best reputation in their field of interest before they make their final college selection.

Questions: Does you college major lead to a good job? With the major you’ve selected, what kind of jobs are you most likely to obtain when you graduate? Which employers offer those jobs? What do those employers want and expect from students interviewing for those jobs? What should you do during the college years to get prepared for those jobs and those interviews?

Your College Minor – Many students don’t give much thought to their college minor. However, it is important for students to select a minor that will support or compliment their college major. When a minor is directly aligned with their major, it tends to strengthen a student’s expertise, especially in technical areas. Some students choose a business minor, recognizing that there is a business component to every field. All businesses need people who have technical expertise in that field, but can also run the business as managers and hold positions in sales, marketing, customer service and human resources, etc.

Questions: Which college minors will best support and compliment the selected major? Would it make sense to minor in business so as to open a broader array of employment opportunities in the field of interest?

Feeling comfortable with your field of study is extremely important. However, graduating with a good job is also important. That’s why savvy students think about each college selection factor and concern from an employment point of view. Why not select a college that will help you find a good job?

Bob Roth, a former campus recruiter, is the author of three books: College Success: Advice for Parents of High School and College Students, The College Student’s Guide To Landing A Great Job -and- The 4 Realities Of Success During and After College. Known as The “College & Career Success” Coach, Bob also writes articles for more than 225 College Career Services Offices, Campus Newspapers, Parent Associations and Employment Web Sites. Additionally, Bob has developed S-JIM™ The Student Job Identification Machine. He has been interviewed on numerous radio programs across the country and also by many newspapers, including The Wall Street Journal. Lastly, Bob has served as an Adjunct at Marist College, teaching a course in Career Development. http://www.The4Realities.com. Bob’s Blog- http://collegesuccess.blog.com

There are many myths about college and the college experience. The information below is to assist you in dispelling the some of the myths about attending College.

Myth: Your school college advisor can provide you with all of the information you need to know about attending college.

Fact: College advisors can only give you limited information about college acceptance, attendance and financing. With the increased level of competition to enter college, it is imperative that you seek out resources on your own.

Myth: Most parents (and students) have a savings plan for their child to attend college.

Fact: Very few families save in advance. If you have not started saving by now, the best way may be to obtain funding through scholarships and grants or through implementing the tools to attend college for FREE. Financial aid is another possible resource and can be an effective way in helping you with the cost of college.

Myth: You have to be really smart to attend college.

Fact: There is a college for everyone who wants to attend and everyone who is willing to study and put forth the effort to graduate.

The Numbers

14.5 million students are enrolled in the 3,638 US based Colleges; 12.5 million are enrolled at the undergraduate level.

79% of students attend public colleges; 21% attend private colleges.

56% are full time students.

23% are minorities.

70% are enrolled in the college of their first choice.

81% attend colleges in their home state.

50% of all college freshmen come from families with incomes of $30,000 to $75,000.

45.2% of American adults have some college education.

U.S. Census Bureau; U.S. Department of Education.

With economics being the way they are, and the cost of living continuing to increase, we wonder why more people don’t attend college. Many are of the belief that college is still an unreachable goal. This may be because their parents never attended college. It may be because those around them have told them that college is difficult or that they will never make it through the college process. And, this cannot be further from the truth! Anyone who wants to attend college can go to college and a college education is the best way for you to guarantee professional success.

A college education shows that you have the tenacity to take the next step in academic achievement. A college education shows that you made the decision to become a well rounded individual and that you’ve taken the time to study a few subjects that may be out of your comfort zone. Yes, you will have to study English, math and science. You may even have to study chemistry, physics and biology, but when you finish, you will have knowledge on numerous topics that you could not acquire any other way. That is the true purpose of college at the undergraduate level. To make you a generalist, with the intent of you becoming a specialist in a specific vocational area.

A recent study indicated that 78% of high school students want to attend college. This study further detailed the three top reasons why most students don’t attend college. The third most frequently cited reason why students don’t attend college is because their parents didn’t attend. But there are many things that you do that your parents didn’t do. Your parents didn’t have 3D video games, your parents did not have MP3 players nor did they grow up with the concept of going green. Throughout your lifetime you will do numerous things that your parents have not done. So saying that your parents didn’t do it is a weak excuse.

The second most cited reason why some students don’t attend college is because they don’t know what to study. Many people are not sure about what they want to do with their lives. Just because you’re not sure of your future does not mean that you need to become stagnant. College will expose you to many professions and opportunities that you may not be aware of. College will make you aware of vocations within vocations and professional opportunities that may be perfect for your personality. So this is definitely not a good reason not to attend.

The number one reason cited as why students do not attend college is finance. Money! And once again this is ridiculous. Financial resources should not serve as a hindrance to your attending college. Funding is available through various sources, through various organizations, through various means for anyone who wants to attend college. And anyone who takes the time and a little effort can quickly and easily find and make use of these resources.

Last year over $300 billion dollars was available in college scholarship and college resource funding, and a high percentage of this funding was never accessed due to students not searching, not applying and not making use of the resources available.

Paul L. van Putten II, Ph.D. is an educator, entrepreneur and business consultant in the areas of social entrepreneurship, entrepreneurial start-up, marketing, media management and leadership engagement. Dr. van Putten has seamlessly transitioned between both academic and corporate environments having served as a College President and Corporate Executive. He has also served as a consultant with national and international organizations and is the author of Attend College for Free and Five Dollars to Freedom. http://www.nationaletc.com

Whatever interests your child has, or whatever position they are in, there is a summer youth camp that will perfectly meet their needs. From the familiar traditional summer camps to adventure based camps, there is an amazing variety of camps for your child to choose from. In fact, if you are planning to send your child to a summer camp, you might want to get started early searching out the perfect match.

The ever popular traditional summer camps are all time favorites. These include camps such as 4-H camp, Boy Scout Camp, and Girl Scout Camp. Generally those wishing to attend these camps must first be an active member of the corresponding group. Traditional camps generally offer a wide range of activities such as swimming, hiking, and arts and crafts. These camps are generally affordably priced. In some cases, children are allowed to do projects during the year that can count as credit toward their camp fees.

If your child is not into traditional camps, an adventure camp might be more his or her speed. In these adventure camps, your child can choose from a variety of destinations from local to foreign. For instance, choices include glacier hiking in Alaska, backpacking in Australia or working on a cattle ranch in Texas. These camps are great for a child who likes to try new things. Depending on the destination, however, these camps can be quite pricey.

If your child is more interested in arts that in sports, there are also summer youth camps that specialize in the arts. A search of the Internet will allow you to find camps that focus solely on music, painting, dance, voice, performing arts, or any other art related area that catches your child’s interest. If your child is not already interested in arts, a week or two in a performing arts camp might spark an interest in a new hobby or talent.

While some summer youth camps are just about having fun, there are some that can actually allow your child to try out a possible future career or even earn college credit. Believe it or not, there are actually camps that will help your child improve his scores on college entrance exams. There are also camps that explore the possibilities of careers in finance, robotics, medicine and education.

Even if your child has special needs or is handicapped, there is no reason for them to miss out on the summer youth camp experience. There are a wide variety of camps specially geared toward special needs children. So whether your child is blind, deaf, suffers with asthma, or has any other type of mental or physical handicap, there is more than likely a camp that will fit his needs. These camps generally hire staff specially trained to deal with your child’s handicap. Many have an onsite doctor or nurse who can handle any medical need that might arise.

As you can see, there are a wide variety of summer youth camps available. With a little research, you and your child are sure to find one that fits them perfectly.

Still looking for the perfect summer camp? Try visiting http://www.aboutcamps.com – a website that specializes in providing camp advice, tips and resources including information on summer youth camp.

After years of working in the executive staffing and recruiting industry, collaborating with countless hiring managers and human resource administrators across various industries, I acquired a thorough understanding of what these individuals were looking for in potential job candidates. I began to see patterns, consistencies, universal tendencies, and I began to see just how important a good resume really is.

As a point of fact, hiring managers only spend around 15 seconds perusing over a new resume and they are really only looking for a couple of things when they do. They’re on autopilot, for the most part. They want to know:

1) Who have you worked for?

2) Have you had steady employment?

3) What notable achievements and recognitions have you had throughout your career?

4) What do you have to offer which will meet with their specific needs?

An effective resume will answer those questions with a minimal amount of effort and, as with any effective marketing tool, it will also leave the reader wanting to know more. You want to give them just enough info to prompt them into action. That’s when they pick up the phone and call you for an interview!

So your resume is your professional introduction. It’s your only chance to make a memorable first impression and I can tell you right now that if you do not take your resume seriously, then your resume will never be TAKEN seriously. It really is that simple.

Now, if you feel you are capable and qualified to write a compelling and dynamic resume, then by all means give it a shot. However, if you’re not extremely confident in your skills as a writer and/or marketer, I would sincerely recommend you hook up with a professional resume writer to help you craft the perfect resume for you. A seasoned veteran in these matters can be an invaluable resource. After all, I trust my mechanic to work on my car because he works on cars all day, every day. Well there are people out there who work on resumes all day, every day…so trust us!

For those who are convinced they have what it takes, this article should help you with some of the finer points. Although job markets and technologies are always changing, there are some things which are fairly universal and constitute the basic principles of a winning resume. To guide you along, I have compiled a comprehensive list of resume writing Do’s and Don’ts, complete with secret tricks of the trade as well as a collection of common mistakes people make. So pay close attention, take my advice into consideration, and you’ll be on your way to landing that dream job in no time!

DON’T

Misrepresent the Truth – Lying on your resume is never a good idea. You don’t want to start a professional relationship based on the misrepresentation of facts. Just as you would hope the employer is not lying to you about the job requirements, salary, etc, they expect you are not lying to them about your background and/or skill sets. It’s the decent and respectable way to conduct yourself and there is no room for dishonesty in the workplace because, sooner or later, these things always have a tendency to come to the surface. Remember: The truth shall set you free!

Use Slang or Jargon – You need to be as professional as possible in the context of your resume if you expect to be taken seriously as a professional. For this reason, you should avoid using familiar lingo, slang, or jargon in your resume. The exception to this rule is when using very industry-specific terminology to describe your particular skills. This can actually help to lend you credit as a knowledgeable individual and an expert in your field, but your such terms wisely and tactfully.

Include a Picture – Unless you’re a model or in a professional dependent on physical attributes, I always advise against putting your picture on your resume. In my experience, it can do more harm than good. So keep the formatting of the resume simple and let the hiring manager use their imagination until they call you in for an interview. Plus, your looks should have nothing to do with your professionalism or the credentials qualifying you for the position. In the business world (even legally), your appearance should have no value as a selling point for you as a competent job candidate.

Include Irrelevant Info (AKA “Fluff”) – If it’s not important, don’t add it to your resume. If you were a cook 10 years ago but now you’re looking for a job in retail management, don’t clutter up your resume with irrelevancy. Try to put yourself in the shoes of the hiring manager and ask yourself what they would see as important. How does your background correspond with their needs as an employer? Anything else is fluff. Don’t add your hobbies to your resume. Don’t add your references (if they want them, they’ll ask at the appropriate time). And don’t include your high school education either. Finally, don’t be redundant and repeat yourself throughout the context of your resume. It’s OK to reinforce themes, but don’t push it. If your title has been Branch Manager at each of your past three companies, find a way to differentiate each of these positions and highlight your most notable accomplishments. Don’t just copy and paste the line “Managed a team of branch employees” three times. That will get you nowhere.

Include a Core Competencies Section – I find Core Competency sections to be fairly worthless in a professional resume and I’ll tell you why: It doesn’t matter if you’re a waitress, an administrative assistant, a nurse, a teacher, or a sales executive – it doesn’t matter what kind of background you have – anyone can describe themselves as “Self-Motivated”. Anyone can say they are “Goal Oriented” and “Results-Driven” and everyone has “Strong Verbal and Written Skills” when they’re applying for a job. I can say with some degree of certainty that the majority of hiring managers and HR administrators skip right past a Core Competencies section and with good reason. The key to a successful resume is in SHOWING a manager how you are “Results-Driven” and “Goal Oriented” instead of just TELLING them! Your accomplishments speak volumes, let them do the talking. If you are going to include a Core Competencies section, make sure it’s unique and adds value. Again, vagueness will often work against you here because it cheapens the experience of reading your resume.

Rely on Templates or Sample Resumes – If you are surfing the web and looking for a good resume sample or template to use as a guideline for your own resume, make sure the sample you settle on is appropriate considering your background, the industry you’re in, and your career intentions. Because when it comes right down to it, different styles of resumes should be employed in different industries. By way of illustration, a computer programmer’s resume will vary greatly from that of a sushi chef. They both have very different skill sets which need to be highlighted in very different ways in order to be effective. If both those individuals tried to write their resumes in the same format, it would be a disaster. Hiring authorities, respectively, each have their own expectations and some resume formats are better than others at addressing those individual expectations.

Write a Novel and Call it a Resume – I repeat: Do NOT write a novel and call it a resume. Too many people make this mistake. They want to write this wordy, drawn-out thesis outlining their life story and their career aspirations. They have all these skills and accomplishments and they want to include them all in there somewhere, but the problem is most people just don’t know when to stop. Don’t be afraid to leave out some of the details and explore those further in the interview process. My advice is to highlight only those aspects of your background which are most applicable for the job, or types of jobs, you are planning to apply for.

Limit Yourself to One Page – In contrast to the last point, you may not want to limit yourself to a 1-page resume. A common misconception is that a professional resume HAS to be one page. However, that’s not really the case these days. I while back, before the miracles of technology, I may have agreed. But now that most resumes are being read on a computer screen versus on paper, there’s no need to limit yourself in such a way. Those who try to cram all their info on 1-page resume usually resort to smaller font and zero spacing. When viewed on screen, this is not an attractive format and it’s hard to read. Now, I’m not saying you should write a 20-page catalogue of your experiences, nor am I advocating the use of size 20 font. Instead, I would say 12-14 size font should suffice and I recommend you keep it at two pages. That leaves plenty of room to say what needs to be said. Of course, if you have limited experience then a 1-page resume will do just fine.

DO

Use Bullet Points – When it comes time to explain your experiences in your resume, use bullet points to outline your accomplishments. It is much easier to read and even easier to skim, which is what hiring managers are doing most of the time anyways. Bullet points draw attention to important information. They are also visually appealing and make the information seem more accessible to the reader. So keep them short and meaningful. Some people opt for a short paragraph explaining their duties and responsibilities, followed by bullet points highlighting their most notable achievements. This too is acceptable, just make sure to keep that paragraph very succinct and avoid any redundancies as well.

Have a Strong Objective Statement – Although this is a matter of some debate these days, I firmly believe a strong, concise Objective Statement can go a long way. First off, it immediately tells the reader what job you are applying for. That can be a big deal when you’re submitting your resume to a HR representative who has their hands full with many different job openings. Recruiters as well. And if you’re a senior manager, you don’t want to get thrown in the pile with the mail clerks, right? Not only that, but an effective Objective Statement will briefly summarize your qualifications so a hiring manager can make an instantaneous decision whether or not to keep reading. They do that anyways, so why not address their needs in the intro and add value by showing them what you have to offer right off the bat. Remember, I’m only talking about one sentence here. One sentence to market yourself. Once sentence to spark their interest. You don’t want to give the reader too much to think about, rather you want them to proceed on and read the rest of your resume. So grab their attention, establish your professional identity, show them your value, and let them move on to the good stuff!

Choose the Right Format – One thing you need to remember is that there is not one universal formatting methodology because, in truth, there is no cookie-cutter way of writing a resume. What works best for one person may not be best for another. Some people will benefit from a Chronological resume whereas that format may be detrimental to someone who has jumped around a lot in their career. The only thing I can suggest is that you do your homework. Know the different types of resumes (Chronological, Functional, Targeted, and Combination) and know the distinct merits of each. Then make an informed decision as to which style is best for you. If you are surfing the web and looking for a good resume sample or template to use as a guideline for your own resume, make sure the sample you settle on is appropriate considering your background, the industry you’re in, and your career intentions.

Cut to the Chase – Don’t waste time…get to the good stuff. As I said before, a hiring manager will most often skim, scan, and glance over a resume. Keep in mind that they have specific questions in mind when they review a resume for the first time and they expect specific answers. One of the most important questions they are asking is: “Who has this person worked for in the past?” For this reason, I always suggest that serious job seekers highlight their experiences first and foremost. Right below your one-sentence Objective Statement you should transition into and Experience section. In this section you should list your past employers, the years you worked for them, your job titles, and a brief description of your duties there. Of course, this may not be the best approach for some people. If your background is heavily dependent on your academic experience, then you may want to jump into that first.

Focus on Your Target – My reasons for saying this are as follows: An unfocused resume sends a very clear message that you are unfocused about your career. And a hiring authority doesn’t want to see that. They want to see that you have career goals and that those aspirations correspond with their needs as an employer. So keep in mind that a customized resume, modified for a specific position, is always preferable to a generalized and vague resume. If you’re serious enough about a job then you should take the extra time and effort to tailor a resume to that job’s requirements. I assure you your efforts will not go unnoticed.

Be Articulate and Grammatically Exact – In my humble opinion, it’s of the utmost importance to be eloquent within the context of your resume and to make sure you’re using proper grammar and syntax. For your current job description, use the present tense. For past jobs, use past tense. This seems like a no-brainer, but again you’d be surprised at how many people make this mistake. Being articulate can go a long way as well. Most hiring managers will consider it a plus if you can convey your level of intelligence in your written communications. So don’t be afraid to break out the thesaurus and make sure you have someone else edit your resume before you send it out to potential employers. That’s imperative!

K.I.S.S. – A wiser man than me once made this bold statement and it’s extremely applicable when writing your resume: Keep It Simple, Stupid! Too many people make too much of an effort to “stand out from the pack” and in doing so they may unwittingly be hurting themselves. In some professions, such as the creative design field, it may be advantageous to show your originality and imagination, but in other business fields this kind of flamboyancy in a resume is unnecessary and can actually be injurious to your cause. In terms of formatting, the same holds true. I have found that people tend to have much more success when they opt for an uncomplicated formatting style. Some people still want to get all jazzed up with pictures and text boxes and funky font, but that’s just fluff. It’s noise. It is irrelevant to the purpose of your resume, which is to sell yourself through highlighting your skills and accomplishments. And hiring managers see right through that!

Take Your Resume Seriously – As previously stated, if you don’t take your resume seriously then your resume will not be TAKEN seriously. If you choose not to work with a professional, then at the very least have an impartial third-party edit it for you and give you some constructive feedback. This is for your own sake. What happens when you accidentally type “Manger” instead of “Manager”? Do you think Spell Check is going to bail you out? Whatever you do, don’t send it out to potential employers without having someone else look it over. Some people just need to swallow their pride because when it comes right down to it, you may be the best at what you do, but if you don’t write resumes for a living then chances are there’s someone out there more qualified to write your resume than you are. Please consider that if you’re serious about being taken seriously!

So there it is…everything you need to know about writing your resume. I sincerely wish you the best of luck in your endeavors and feel free to contact me if you ever need any assistance. I’m here to help!

JR Hindman is a freelance resume writer and career counselor with an extensive background in executive staffing and recruiting. He is currently the President of BudgetResumeBuilder.com, a website for entry-level candidates and job-seekers with less than 10 years of industry experience, as well as ProResumeBuilder.com which caters to more tenured professionals and managers.

To many, learning the art of gourmet cooking might appear to be an impossible dream. But no matter what your present cooking skills are, this simply isn’t the reality. There are numerous gourmet cooking techniques that you can practice to enhance your everyday cookery skills.

One path to developing these skills is to sign on for a gourmet cooking class. The downside is that many of these courses can be quite costly, and you might not have the time in your schedule to make it to all the classes.

With gourmet cooking classes not an alternative for many, what are some other means of studying gourmet cooking techniques that you can integrate into day-to-day meal preparation?

Luckily, there are several things you’ll be able to do that can facilitate learning gourmet cooking skills that you can easily use every day.

First off, you must plan this in a practical way. Gourmet cooking does not necessarily imply costly, out of the ordinary, or uncommon ingredients. Gourmet cooking actually entails employing the freshest ingredients of the finest quality.

An easy way to go about gourmet cooking is to examine the basic spices you use. For instance, a gourmet chef would never cook with garlic powder, bottled garlic, or any other type of garlic that wasn’t freshly chopped. As well, a gourmet chef would never use dehydrated or bottled herbs. Only fresh herbs from the produce department of the supermarket would be considered.

Some ingredients in their freshest format will be more expensive than their processed counterparts. But you’ll soon recognize that the cost difference isn’t unreasonable, and it’s still a good deal less expensive than dining at a restaurant. When you get used to gourmet cooking, you’ll lose your desire to eat out. You will be capable of making scrumptious meals in your own kitchen. This way, you’ll have even more chances to hone your cooking skills.

The fastest and simplest way to add gourmet cooking into your everyday meal preparation is to enhance the quality of the ingredients that you’re using. Then you’ll want to learn how to cook the ingredients properly.

The easiest way to do this is to browse through cookbooks, where you’ll be able to study the basic principles and learn at your own rate. Your library will have numerous cookbooks that you can explore.

Your cookbook should deal with the basics, including what type of knife you should use for various tasks, how to prepare chicken stock, and the process for clarifying butter. These are all fundamental cooking techniques that can often seem unattainable because they are considered to be gourmet.

Before long, you’ll realize that gourmet cooking is a skill that anyone can learn. All it takes is some time and effort.

Ashley King loves to experiment with gourmet cooking [http://cookbookssite.com/] For more great cooking articles, check out Cookbooks and Cooking at [http://cookbookssite.com/]

Your mobility depends too much on your possession of a private vehicle. You may go for a car, motorcycle or truck as your own vehicle. But due to severe weather conditions in many regions it is not a good idea to depend on motorcycles all the time. It is also not a good idea to have a truck or SUV as they drink lot of gas and the maintenance is high. Somewhere in the middle and perfectly positioned vehicle for Desi would be a car. There are various types of cars to suite your need.

What you should have

If you are a single man and do not depend primarily on your car for commuting to your work, then go for anything as you wish.

There are coupes which have capacity for 4 persons but only two big doors. Primarily these cars are designed keeping in view for two, driver and one passenger. The other model is the sedan which has capacity for 5 and has 4 doors. This can also be called a family car. Depending on the size of the car, they are categorized as Compact, Mid-sized and Full. Compact cars are very small in size and have a good mileage per gallon too. Some manufacturers even make two seated compact cars. The power of the compact car is also little less than the cars of other categories. There are other cars that have powerful engines and are rated as sports cars.

On the contrary, if you have a big family and need more space in your vehicle, then go for van/SUV. But I wont suggest this idea to people who have just come to US, before/after marriage and don’t have any kids.

Besides, it is always your dream and desire that makes you to go for a particular type and model. But before deciding upon something, you must give a thought to the other factors like, the mileage, sitting capacity, transmission, trunk capacity, engine power, ease of driving/safety, interior, power doors and anti-theft devices. Also your affordability plays a major role in purchasing a vehicle.

Do you have a driver license yet? It is most important to have one before going for a vehicle. Various states have different rules for issuing drivers license. You can logon to Department of Motor Vehicles (DMV) sites to know about the pre-requisites and methods of getting one driver license for your state. Normally it involves a written examination, minor vision test and a road test.

The never-ending comparison

Now you have to decide whether to buy a new car or a used car. I wont suggest you any thing or force you to go for what I think is right, but you must know the good and bad things involved in each.

Used Cars

* They are cheaper.

* They may be old.

* They might have more than one owner.

* They could be purchased from private parties or authorized dealers.

* They might have gone through serious maintenance/repair in the past.

* They might have gone through an accident in the past.

* Some parts/components are just about to die.

* There may not be enough warranty/guaranty on some expensive parts.

* The mileage may not be good.

* They may need more maintenance.

* They may not be reliable for long drives.

* Resale may be a headache.

New Cars

* They are not cheap.

* They are covered under manufacturer/dealer warranty.

* Their fuel efficiency must meet the specification.

* There is the satisfaction of owning a new car.

* Easy to get a finance for new car than a used car.

* No need to worry about the engine, body, suspension, tyre, batteries and interior conditions.

* Insurance premium may be higher.

* Can only be bought from an authorized dealer.

There are many other things that can be discussed as advantages and disadvantages under both the headings. However, I don’t want to focus on them right now. If you are convinced to buy a new car, then go for it.

Your target

Now it is the time for you to decide the Make, Model and Type of your car. In US you will find hundreds of Make and Models (no Hind Motors/Maruti cars of course). From a Desi prospect I would say it is better to start with Honda/Toyota/Nissan. These Japanese car manufacturers know our requirement and never ditch us on the highways. The engines are good and prices are low. They run long enough before giving up. The life of a Honda/Toyota is considered to be 300K miles. But the look and interior designs are not at par with the American/European cars.

Buying a New Car

Take a cup of coffee, chat with your friends and go through some reviews before you decide upon the make model and color of your first dream car in USA. Check for the existing/upcoming models of your car by logging onto the sites. Select the color and interior and look at the car through the simulator. The most important thing that you must consider here is that, when the next model is going to be released. If it is very soon, then don’t go for it, because after you buy your car, you will see the newer model in the market and the resale value of your car will fall drastically.

Cars with automatic transmission and power window have good resale value. ABS and anti-theft devices are added advantages. Leather interior is as per your wish.

Now you have all the details in your mind and the budget is also finalized. Next step is to study the finance market and look for the bank/credit union who gives the best APR. Also don’t forget to decide upon your auto insurance. Find out a good insurance company and try to get a quote from them. The premium varies from place to place. With all these things set up, go to the Auto-Mall of your city. Go for a test drive for the car you have already decided. Beware of the car sales representatives. They will always try to sale you the most expensive car they have. But you shouldn’t deviate from your decision. Try to bargain with them for a possible reduction in their margin and ask for extra accessories.

What is the status of the loan? Have you arranged one or you want the dealer to make some arrangements for you? Always try to bring down the APR. If you are very new to US and don’t have any credit score, you may not get a good APR. However, dont worry about the APR right now. You can always refinance the loan with a better APR after you buildup the credit history after few months of repayment of the loan.

Once the deal is final, you need to sign some papers and then provide the Insurance details if you have. Otherwise, you could also provide the insurance agents phone number and the sales representative will talk to the insurance agent to get the car insured before leaving their premises (dont worry too much for the insurance premiums now, it is important to get your car insured before you drive out of the dealers premises, however you can easily change your insurance later, if you find a better one). In case you didn’t get any insurance, you can always go for binder insurance, but they are quite expensive, but you can always cancel them in the middle once you establish your insurance with somebody else and get the refund for the unused portion of your premium.

The next thing is to make the financial paper work. You will be guided to the dealers accounts department and one of the accountants will assist you in finalizing the loan and payment for the car. At that time they will try to sale an extended warranty for another 3 years after the manufacturers warranty. It is you who will decide for that. Don’t listen to them, but evaluate it being unbiased. They will try to sale so many other things like paint guard, gap insurance etc. I would suggest not to go with all these things except paint-guard.

After everything is over, they will apply for the vehicle registration/license plate to DMV on your behalf and give you the temporary ownership license (stuck to the windshield of your car). As far as I know, they wash the car and give you a full tank as a compliment before you drive your car back home.

New cars don’t give you much trouble as long as you do all the regular oil change and maintenance in time.

Buying a Used Car

Used cars are good but not as new cars. They are much cheaper than the new cars, but at the cost of your peace of mind. You can buy used cars from either a private party or from any dealer. Here also you have to decide your budget and the make, model and year of the car that you need. Also the other main factor is the odometer reading.

There are many sites that give you the links for used cars for sale. You can also refer to the local news papers for any such advertisement. There are places in some cities where people come with their cars for auction/sale. Since you are new, don’t go to such places. Rather get contact information from news paper ads or internet. Get the details of the car like make, model and year of the car, miles it has run, condition of batteries, tires and engine condition etc.

Now go to Kelly Blue Book (www.kbb.com) or Edmund (www.edmund.com) and try to evaluate the car. KBB will ask you some question depending upon the private trading or buying from dealer. After you enter data about the private trading car, it will show you an approximate value of the car.

Private Party

If you are buying a used car from a private party, then you need to be more cautious about certain things like, the engine condition, the body condition, the interior and the accident/maintenance history of the car. Don’t go for cars that have already run almost 300K miles (for Honda and Toyota). You can start locating for used cars for sale from various sources like, news papers, local ads and internet. After locating the availability near your place, prepare your matrix.

* Call each of them to fix an appointment for trial.

* Get the VIN (Vehicle Identification Number) from the owner.

* Check for the approximate cost of the car using KBB or EDMUND sites.

* Compare the advertised price with the approximate cost that you arrived at.

* Use the VIN to find out accident/maintenance history from CarFax.com and check for any major incident. There will be a registration fee for CarFax.com, go for the one month pack.

* Talk to a mechanic for pre-purchase inspection of the vehicle. Mechanics charge around $50 per car. It is better to go to some brand names like Pep-Boys. They are good and reliable, but you may need to take an appointment beforehand.

* Go to the owner, see the car physically (for any visible dents, body color, torn airbag containers and interior) and then drive it with the owner.

* Take the car to the mechanic and have it inspected.

* (All the cars need a timing belt replacement after running for around 100K miles, so if the car is around or over 100K, then you need to figure out if the timing belt has been replaced, this information could be obtained from the CarFax report too. One thing you must remember that, in US, the auto spare parts are not that expensive, but the labor charge to install them is too high.)

* The mechanic will give you a report, in which it will indicate the current condition of the car and what needs to be fixed with a rough estimation.

* Check for the vehicle registration, is it current?

* Is the vehicle smog certified?

With the Kelly Blue Book report, CarFax report and the mechanics report, you can have a good bargain with the owner. If you really like the car and every thing looks OK to you, then start bargaining. Don’t focus more on the tires/batteries, they are not that important as the engine.

NEVER BUY A CAR THAT HAS A SALVAGED TITLE.

Once you have decided to buy the car, talk to the owner about the payment and mode of payment (check or cash). The owner has to give you a pink slip indicating that you paid for the car and it is yours now. He cant simply lodge a complaint with the police saying you have stolen his car. It is his duty to inform the DMV office about the sale and transfer of title. You should also apply to DMV for transferring the title to your name. For registration, you will need the pink slip, the insurance (get one immediately) and smog certification. After you apply for the transfer of the vehicle registration into your name, you are the proud owner of the car.

It is too cumbersome to buy a used car from a private party, sometimes it is too risky and in all the cases it is damn cheaper. For some unlucky guys it might have resulted in spending huge money on maintenance the next day. But it is not always true. However, you are supposed to visit the mechanic frequently and spend lot of time there.

Buying from Dealer

The next best thing that you can do is to buy a used car from a dealer. It may not be as cheaper as buying from private party, but 100 times more reliable. Even some dealers give warranty on the used cars they sale. They buy the used cars, clean them up, do a thorough checking of the engine and repair any damages, dents etc before putting them on sale. You don’t have to take the car to a mechanic for inspection, worry about the smog certification. But never forget to check the approximate price through KBB and have a CarFax report handy before making a deal with the dealer. Normally, good dealers don’t keep cars for sale that have any major issues like bad accident history, salvaged title etc.

Go to the dealer, talk to the sales representative about your purpose. He/she will show you all the different used cars they have that fits your requirement as well as your budget. Once you have selected the model, make and color, go for a test drive (don’t forget to check the odometer reading). If everything feels ok to you, then go to the dealers office and access their computer to logon to KBB for approximate pricing as well as to CarFax for accident/maintenance history for that car. Some dealers even do this for free. Now with all these things handy, start the bargain. You must always consider the worry free deal with the worth of the vehicle you are paying for. You may end up paying a little more than that of a private party deal, but there wont be any worries after you buy the car. If there will be any problem with the car (which is covered under warranty), you can always comeback to the dealer for having it fixed for free. The dealer may also arrange a loan for you and take care of the other formalities like title transfer etc. You will save a lot of time/worries in this. Time is important and costly in this country. So it is your call again.

After you finalize the deal, it follows the same process as a new car purchase. So finish all paper work and drive the car safely back home.

Tips

* If you own an old used car that needs maintenance and the mechanic gives you a list of jobs to be done, then do all of them once. That way you may save a lot of labor charge.

* As per my experience, buying a new car is always better than buying a used car from a dealer and buying a used car from a dealer is always safer than buying a used car from a third party.

* It seems to be a huge amount in the beginning to buy a new car. But if you compare the money spent for new (repay the loan) and used car (repair/maintenance), then over a period of 3 years they will almost equate with each other. So, why not to enjoy the ride of a new car.

Every true auto enthusiast has one dream in mind if they are given enough money to spend and even with all of the options and varied choices available when choosing a car. What is that dream? -getting a sports car. In the minds of sports car lovers, however, there is one basic standard that all sports cars are based on and that is speed.

According to diverse critics in the automotive industry the fastest vehicle is the 1994 Dauer 962 LeMans. This neck breaker accelerates quickly with a time of 2.6 seconds from 0 to 60 mph. In comparison,the fastest Ferrari is the 2002 Ferrari Enzo, and this particular speedster can accelerate from 0 to 62 miles per hour with a time of 3.5 seconds. Some other notable fast cars include vehicles from Dodge, LeBlanc, Renault, Audi, and of course Corvette, all of which have rapid starting times of less than 3 seconds from 0 to 60 miles per hour.

So what is it that makes sports cars fast? Why can’t all cars be fast like the high end sports cars?

The very thing that makes the sports car so appealing to the eye, the sleek aerodynamic styling also establishes for a very high standard for performance when choosing a sports car. The very sleek and streamlined bodies of the elite super fast sports cars actually contribute a great deal to the phenomenal aerodynamics. This also makes it much easier to drive the cars as fast as they were intended without worrying about resistance, air pressure, etc. Effectively, the attractive and sexy design of these beauties actually makes for more than eye candy, but is responsible for a great deal of the speed and performance of the automobile.

Still another key characteristic that adds to the speed of a particular vehicle is its reduced weight in comparison to other automobiles. It is obvious in the minimized cargo capacity that is found in most sports cars. Fortunately, this isn’t so much of an issue with sports car lovers. Also closely rlated to cargo capacity and reduced weight is the reality that many sports cars might have smaller seating capacities, and are generally known for firmer, tighter rides, in comparison to the roomier and more comfortable rides of S.U.V.s or luxury sedans.

One of the last things considered in speed, however, is its general dynamics, especially in relation to handling and resistance when driving. If it can’t sustain its straight-line speeds while driving in tight curves and finishes up crushed after it hit a dead end a sports car has very little value if any. This is the exact reason that even the absolute fastest sports cars are typically rear-wheel drive instead of front-wheel drive, due to the fact that rear-wheel drive offers greater traction and permits the weight to be evenly distributed as the automobile makes a turn.

Although there is a great deal more to a quality sports car than merely speed, it definitely doesn’t hurt matters that your sports car is also fast. Even in the new hybrid and electric market there are pioneers in that arena such as Tesla Motors who are focusing on speed and performance.

Gregg Hall is an author living with his beautiful wife and family in Navarre Beach, Florida. Find more about sports cars as well as tires and wheels at http://www.tiresandwheelsdirect.com

My mother was of the idea that a man’s place was never in the kitchen, and this was ingrained into us as she shooed us out of the kitchen every time whenever we tried to get into the kitchen to see what was cooking. It might not have been the best or correct thing to do, and as a result, her children -the sons, including me, grew up not knowing how to cook until we were college going kids and had to live away from home and to start to cook and fend for ourselves.

Disadvantaged as we were in cooking for ourselves, it made us more aware of the beauty in mum’s cooking. Mum’s prepared food that was absolutely marvellous, both in taste and smell. Meals prepared by her were never ordinary. They were a delight to behold, a pleasure to consume – no matter how simple the dish was.

Now in her twilight years, mum can no longer cook for herself. She has bouts of amnesia, and old age has taken a severe toil on her. Dependent on others to cook and serve her meals, she can sometimes struggle to the kitchen and still manage to prepare a ten minute fast cooking instant noodle, much to our chagrin and anxiety. The doctor orders were not to let her near a stove for fear of a fit or a fall, lest she burn the house down.

Just yesterday, in the quiet of the night, I was able to recall times I had with mum when I was about to go to college. Vivid in my mind, as history started to flash back, I remembered words of wisdom from mum on cooking. We were always profuse in our praise and bountiful in our appreciation for mum’s fantastic cooking.And on one occasion, she revealed the secret formula that had always enveloped the food she cooked.

“In Chinese cooking,” she said one day,” the two most important things are to have a sharp knife and a hot stove. Always sharpen your knife so that you can slice through your veggie and your meat or fish. Cutting them up becomes a pleasure and not a task. Be sure to have everything prepared before you start cooking: the vegetables washed, drained and cut; the meat cut and marinated; the sauces prepared.”

“And get yourself a good wok – It is the one piece of cooking equipment you may want to purchase before you start cooking Chinese food. Always heat up the wok. When cooking meat or poultry, make sure that the wok is very hot before adding the food. If you are going to stir-fried meat and vegetables, stir-fry the meat first and set it aside. Then return it to the wok with a sauce during the final stages of cooking. And use a little cornstartch as a binder at the end of your cooking, if it calls for that. Just remember how the dish tastes like, the way I cooked it”, she said.

Throughout the years when I had to cook, her words of wisdom flashed back to me whenever I despaired over my cooking. I had seen my cooking improved, and had added more styles and recipes to vary my cooking in the later years.

“And the secret ingredient in all Chinese cooking is to add a little bit of inner joy to your dish as you cook. When you approach your cooking with this little bit of inner joy, you will have a song on your lips as you cook. Something mysteriously will spur you on to do your best and turn on the magic in your cooking,” she added.

That day, last week, when I recalled those words of mum when I prepared a meal for her, I could only add not just a little bit of inner joy, I tried my best to give her a physical massive hug of love.

“Vary your ingredients to add textures, colors and flavors.Then it is possible to find harmony and balance in your meals. This is an important principle in Chinese cooking.”

Mum may be frail and too old to handle a wok anymore, but her words of wisdom in Chinese cooking has helped us through the many years. Her simple tips for Chinese cooking may help you too.

In honor of my ailing mum who could prepare the best Chinese meals and dishes, a website providing free tips and cooking recipes with cooking videos, recipes and other resources is available for you. Visit Wok With Betty [http://www.wokwithbetty.com] to gain new skills in Chinese cooking and to obtain free cooking recipes covering the entire range of international cuisine.