The rules have changed. Shopping for employment is a hybrid of automated filter applications, on-line search engines and good old fashioned human interpretation. To be effective you need to make sure that your resume is designed to perform in all of these areas. In the hunt for a new job, a better job, or just keeping your Resume current, use these ten simple steps to draft a stellar resume.

1. Create a Personal Portfolio

This is the easy part. Begin by making a list of accomplishments, education and previous positions. This is your own private list. Do not be concerned with the order or the appearance. You can use scratch paper, word processor or collection of documents. Gather, create, collect and document your history with important facts, figures and milestones. Collect the relevant highlights from your life, education and career.

2. Choose a Standard Outline

Select a standard Template to use as your outline. Resist the urge to be creative or unique in the format of your resume. Do not waste time with colorful bullets, images or watermarks. Why? Web sites like Monster.com and CareerBuilder.com provide the option to upload a resume in standard format and can automatically identify job titles with associated accomplishments. Your resume gets cut and spliced into pure text data and loaded into a “Monster” database that can be accessed by recruiters, human resource departments and agencies. Many companies and organizations either use the on-line database application or have similar software for managing the pure text from resumes. These filters do not support colorful bullets, images, icons or watermarks. If you do not want to spend your time copying and pasting pure text for every on-line opportunity, then make your life easy and use a standard template.

Organize the documents and thoughts from your personal portfolio into a chronological timeline and type them into a standard resume outline. Be sure to keep track of the accomplishments that best define your ability.

Sample Professional and Standard Outlines can be found at

http://www.executiveblueprints.com/executive_jobs.htm

3. Work Backwards

The typical resume starts with a short paragraph about you, followed bullet by points of your highlights, and then lists your career starting with your current or latest job. While that is meaningful to a potential employer to see the most current and relevant information first, it is opposite of the order of events. Most people tend to reflect on their life with greater precision in chronological order, like a story unfolding and progressing through the eyes of your memory.

Start at the end of your resume and work toward the beginning. This will enable you to follow your own career path and build up to the current status. It will make more sense to you as you put it together. Like building blocks of personal development, it will make more sense to someone reading the final product and understanding how you got to where you are today.

Start with your education. Then update the bullet points for the first job or oldest career position that you are going to include. Keep working forward in time, from the end of your resume to the beginning. Pay attention to how the responsibility and experience of each position contributed to the success of the subsequent one.

4. Concise, Precise and Measured

Bullet points with short sentences and specific measurements are excellent. For each job, use a series of bullet points to make your statement. Punctuate the highlights with measurements. “Good sales skills” should be “Increased sales 45% in first Quarter”, “Increased sales 15% year-over-year” or “Directed Regional Sales Growth of 7% in Sixteen Months”. Service related measurements may be related to “Improved Customer Satisfaction from 87% to 95%”, or “Managed a Call Center with less than 2% Abandon Rate”. Accounting and Finance may include estimated average size of portfolio managed, outstanding receivables in days, or similar measurements. Dates, Completion and Milestones are also a method of measurement. The bottom line is that every position can be measured. Identify measurements and provide quantitative details.

Do not make up measurements. Include the data if you have it or you are confident in the accuracy. Do not make up numbers if you do not know them. Use bullet points to be concise, do not use paragraphs. Avoid using “I” or “We”. Use personal accomplishments with supporting data.

5. Select Your Highlights

Select highlight from your personal portfolio. These may or may not be included in your career bullet points. You can emphasize specific accomplishments from your career, or you can use this opportunity to highlight outside achievements. For example, this might be your opportunity to mention volunteer work for charitable contributions. Use highlights to draw attention to specific individual talents, skills and experience. Highlights should also be listed in bullet form, above the individual career descriptions.

6. Keywords and Buzzwords

Above the bulleted Highlights, create a section of bulleted Keywords and Buzzwords. What are keywords and buzzwords? These are common words associated with your desired profession. For example, a programmer might include reference to “UNIX”, “LINUX” or “ORACLE”. An administrative assistant might include expertise in “WORD, POWERPOINT, EXCEL”, or the number of “WPM”. If you know which skills, tools, degrees or experience are relative and important for your profession, then be sure to list your capabilities. Do not take this for granted or assume that this is common. The recruiter and employer can not assume that all applicants have the necessary skills, so make sure that you include as many as possible.

Why is this so important? The on-line tools and application filters will search your resume for keywords related to specific jobs, just like search engines search for keywords to identify relevance in a web page or web site. The more matches to keywords, the higher your score. Typically the highest scores are used to select individuals for personal interviews, and the lowest scores are discarded before a human ever reads the resume. To avoid being discarded by an automated attendant, improve your score with relevant keywords.

7. Make Your Own Headlines

Create a short paragraph to define yourself and use this as the opening of your resume. It should only be four or five sentences long, chock full of keywords and buzzwords. Use action verbs like “Managed”, “Directed”, “Accomplished”, or “Achieved”. These are sentences, not bullet points. If you get beyond the automated applications and filters, this will be the first thing that a person reads. You never get a second chance to make a first impression, so summarize yourself in the opening paragraph in such a way that the reader would be compelled to scan the rest of your work history in you resume.

8. Add Spice

Review the entire document from start to finish. Modify your bullet points with action adverbs and exciting adjectives where appropriate. For example, “In charge of four employees, reduced expenses 12%” can be more effective and exciting worded as “Managed a dynamic department that dramatically reduced overall expenses by 12%”. Which description sounds more appealing and energetic to you?

Read each sentence as if you were the big voice of a radio announcer. If the bullet points sound exciting, then you have written them well. If the description sounds ridiculous in your big announcer voice, then you might need to write the bullets again. Just in case, don’t use that big announcer voice in public until you are really confident about your resume.

9. Check Your Name and Contact Information

Make sure that it is easy to find your name, email address and phone number. It would be a shame to have a stellar resume that is a perfect match for the job of your dreams, and the employer can not get in touch with you. Don’t laugh, it happens. Make sure that your name, email and phone number are prominently visible on both pages of your resume.

Do not include personal or private information like a social security number. Do not use more than two pages for your resume, no matter how many jobs you have worked. If you are using a professional resume format, you will be prompted for placement of your contact information. Make sure that it is your contact information on every page.

10. Review and Repeat

Review your resume for correct spelling, grammar and punctuation. Nothing says careless better than a resume that is full of errors. I have seen managers promptly discard resumes due to spelling or grammar. The resume is a reflection of you, and the employer assumes that you took time to craft this document with great care. Your future opportunities may be based on your resume, so it should be treated that way. If you do not have confidence, then it may be well worth the investment to hire a professional to correct these errors and spice up the document for you. Consider it a one time investment that will bring you continual rewards by earning a better job and better pay.

Once you have a resume that gives you satisfaction and confidence, then it is time to change it. Save that version of your resume, and make another copy that you can modify with a different theme. Use the copy of your resume to change keywords, buzzwords and highlights from a different perspective. In many cases there are aspects of your experience that may be more closely associated with different job markets or industries. Adjust the language of your resume according to different job markets so you can submit a fitting resume to a target position. Do not try to make your resume “one size fits all”, but rather make several variations of your resume with different themes.

For examples of how to use different themes, compare the following on-line versions of these actual resumes:

Sales and Marketing Theme

http://www.executiveblueprints.com/resumes/johnmkt.htm

Service and Operations Theme

http://www.executiveblueprints.com/resumes/johnsvc.htm

References

Do not distribute a list of references unless asked. References should only be presented during an interview, not distributed in advance.

Ask permission from each person to be a reference for you. Do not ever list someone without prior consent. Employers are obligated to call and verify references, and you do not want it to be a surprise.

Be courteous to the people who are generous enough to be a reference, ask them for a written endorsement or letter of recommendation. This enables the reference to endorse your capability or experience without the interruption of a phone call until it is time for an employer to check and verify references. This is a courtesy to your references as it will minimize the potential number of people who may call. It also gets your endorsement in the hands of the potential employer that much faster. It is a great way to be courteous and build credibility at the same time.

Submit Your Resume

Don’t be shy. Upload your resume to the on-line web tools and be prepared for quick response. Check your email every day and respond quickly to opportunity. Do not think of it as being over-eager, it is being enthusiastic and responsive. Recruiters and employers have a need and incentive to fill positions with qualified individuals in a prompt and efficient manner. They do not have time to wait if you take your time, so be at the front of the line and demonstrate your aggressive and enthusiastic desire.

Prepare for Your Interview

If you took this much time and care to prepare a stellar resume, then do the same preparation for your interview. A professional resume will get you past the on-line filters, the company internal applications and the front-line reviews. If you get to the personal interview, make sure that you are adequately prepared.

You need to be confident in the final versions of your resume. If you are not sure, ask for review from trusted and respected colleagues. If you do not want to do that, you might want to consider using a professional service to assist you. Remember, the time that you spend on your resume is an investment to open new doors to career opportunities that could dramatically change your life. Invest a little extra time for long lasting rewards.

Still looking for a little motivation, inspiration or guidance?

Look for “Executive Jobs, A Guide to Managing Your Career”, a free eBook from http://www.ExecutiveBlueprints.com

About this Author

John Mehrmann is President of Executive Blueprints Inc., an organization devoted to improving business practices and developing human capital.

http://www.ExecutiveBlueprints.com provides resource materials for trainers, sample Case Studies, educational articles and references to local affiliates for consulting and executive coaching.

Article Source:
http://EzineArticles.com/?expert=John_Mehrmann

This is a touchy subject when it comes to community access television. After all, usually our audiences are moms, dad, guardians, babysitters or teachers of children, and if not, they probably are related to children in some way. And almost everyone loves children. So, what do you do with children in the community access television productions? No one wants to alienate anyone who brings babies or children inside the building but everyone wants everyone to be safe and secure once inside the building. So this article is to spread information that will keep babies and children safe and secure while inside of any studio building. Before I get deep into this topic I should discuss what the children are doing there, in the studio building. Children are in the building for these reasons (For one, some or more than one of these reasons):

• Sometimes the talent, guests, hosts or co-hosts are children, teens, or young adults.
• Sometimes the children are audience members.
• Sometimes the children are there with their adults who are producers. The producers are doing their own shows or helping other producers in the other producer’s shows.
• Sometimes there might be children of staff or administration present.

Any or all of the above can be possible. Now that I have listed the reasons why children, teens or young adults are in the studio, I can get down to the basics of what happens, and what you might want to do if children appear on your reservation time.

There are many shows, a large number of shows, that have children as talent and active participants in main parts of the show, so we welcome babies and children into the studio, as long as the babies and children are well-supervised at all times. This ensures their safety and security. So, whether the children are talent, invited guests, or producers’ children, we all have the safety and security of babies and children as our first priority. Everyone inside the studio building must be safe, or there will be no successful television production possible. A production with injury or loss is not successful. So, with success in mind, I will go on to talk about babies and children inside of the studio buildings. So, this article is not stating that children, teens and young people should not be inside the studio, but clearly stating that there are places that are not safe for babies and young children, so most Executive Producers do not want to see children in these places that are or could cause injuries to any young children. Injuries could be caused by heavy equipment, electronic equipment and also by strangers who might have entered the building. So to avoid these injuries, the best thing to do is to have children supervised at all times when children are in these places inside the studio building. So, by following these instructions, all children should be safe and supervised inside any of the studio buildings, no matter what borough you live in.

• When you bring children inside the studio building, know and remember that you are responsible for these children. The other producers, staff, interns, guests, volunteers, hosts, co-hosts or talent are not responsible for any babies, toddlers or young children that you bring inside the building. Knowing this and remembering this will help you to keep them supervised and safe while you visit the building. Many people forget this because there are so many people around. It is easy to take your eye of a child while some other adult is speaking with the child or paying attention to that child.
• Know that the Security Guard is protecting your child when he or she tells you that your child is not permitted inside the conference room or permitted inside any other area of the studio building without constant adult supervision. That makes good, common sense. Many strangers come into the building at all times of day. You would not expect to leave your baby or child unattended with a stranger, so you are not going to leave your child unattended with strangers in the conference room, or any of the other areas of the studio building. While all this might seem like unnecessary rules to you because you feel comfortable and safe in the studio building, these are necessary rules for babies and children since the studio is not a place that was designed with babies or children in mind. So, leaving any baby or child unattended in any area of the studio building is like inviting a baby or child into a factory and leaving them alone. No reasonable parent or guardian would do that. So, if anyone reminds you that children need to be supervised, kindly take that as a friendly gesture that is helping to protect your child from injury or loss.
• If and when you bring babies or children inside of the studio area (where producers tape shows), be alert that no one brings liquids inside the area. These liquids ruin equipment and the equipment is extremely expensive to replace. Besides being a financial responsibility, any liquids that come in contact with any of the equipment causes a possible electrical or fire danger to anyone nearby. Liquids and electricity has never ever mixed well when it comes to any electrical, camera or sound equipment. One of the reasons for the dressing room is so that parents and producers have a place to enjoy their meals, drinks and other snacks while they are at the studio building.

How Parents and Guardians Enjoy the Studio Experience:

• Wait (with babies and children) in the waiting area (usually near the Security Guard). This keeps all babies and children in full view of the Security Guard. Even though you are still fully responsible for their safety, the Security Guard adds another measure of safety, just be being there. (Most strangers will not bother or abduct babies or children while a uniformed Security Guard is present).
• When it is time to go into the conference room, have your babysitter watch the children outside the conference room while you are inside the room. If the child is older and responsible, they might be able to come into the conference room. Just ask the Executive Producer and there should be no problem with that. (You will need to pre-arrange this with the Executive Producer so he or she is aware that you are bringing babies or children into the building).
• Once you leave the conference room or the lobby area, bring all babies and children with you, wherever you go. If you go into the rest room, bring them there, unless you have a babysitter watching them somewhere else. If you go into the dressing room, bring them there. Do the same as you would do with your babies or children in any business situation.
• Be alert, and have your child’s safety first in mind. Yes, the show must go on, and everyone works to make the production a success. But you, as the parent or guardian, have a job first, and that is your child’s safety and security. (Yes, I know you have that in mind always. But I mention that because being inside the studio is such an exciting experience for some babies and children, that it can sometimes be overwhelming to them. And this alone, can cause some babies and children to want to explore areas that they have not seen or been in before.

By following those ideas, all babies and children should be able to safely experience the television production process and shows. With safety in mind, that makes everyone happy. No one would want to put any baby or child in any danger, so following these ideas definitely makes the show run smoothly.

What Dangers?

• Dangers of strangers inside the studio building. Anything at all is possible. So, know that there might be strangers inside the studio building. Even though everyone signs the security books upstairs and downstairs, everyone entering the building is usually a stranger to your child. You do not know their background, where they come from, how they live or even what they are in the studio building for.
• Dangers of electrical exposure, fire hazards and things like that. The studio room has numerous electrical outlets, and all sorts of heavy, moveable electrical equipment, throughout the studio.
• Moving hazards, most studios have robotics cameras that are controlled from inside the control room. So a baby or child could see this camera (robotic) moving all by itself and they might go over and try to handle, touch or move the camera. This causes great danger to the baby or child as these cameras are extremely heavy and can fall onto babies or children inside the studio area. This is one reason why parents and guardians must supervise babies and children at all times inside the studio building.
• Heavy doors leading into the studio area and into other areas of the studio, control room, and dressing room. Any or all of these doors can close on little fingers causing great danger and hazard.

False Sense of Security:

This is very important. When producers and other people come into the building with children, they usually feel very comfortable because everyone is very friendly. They feel comfortable too, because they think that they know everyone. Feeling too comfortable here with babies and children is having a false sense of security. You need to feel like you are in a public building — which the studio is in a public building (one that anyone from outdoors can walk inside of ) . One of the reasons that some parents and guardians feel safe inside the studio building is because they know most of the people entering the building. Most are either friends, relatives, or co-producers, or producers they have worked with before. There are staff members, volunteers and interns that work there too, and most might be familiar with them also. However, there are, at times, complete strangers in the building. Hundreds of different people might enter the studio building during any given week (depending on the studio where you are). Some of those hundreds could be people who do not belong in the building. They might be people who belong in the building also, but still strangers, like plumbers, electricians, locksmiths, computer repair people, and any number of others that might enter the building. There have been people who have entered the building by mistake. They were looking for another building. So, not everyone that you see inside the studio building belongs in that particular building. I am not saying that the building is unsafe. What I am saying is that the building is not safe for babies or children who are left unattended. You would not leave children unattended out in the world, so it makes sense that babies and children are not left unattended inside the studio building.

What Is In The World Is In the Building:

Knowing that what is in the world is inside the building, that might open anyone’s eyes as to the many reasons why we (as producers) ask parents and guardians to supervise their babies and children once they are inside of the studio. What is in the world? Look around your outside world. Almost everything that is out there can be inside the building. Why? Because there are people inside the building and those people are from outside the building. There are all kinds of people with all kinds of values and all kinds of backgrounds. The world is a magnificent place and it is also a place where babies and children should be supervised. Ask yourself these questions:

• What if people are discussing an adult topic? Do I want my children to hear this?
• What if people argue? Do I want my baby or child to be around this?
• What if two people begin fighting? Will my baby or child be in danger?
• What if a large piece of heavy equipment falls, will my baby or child be protected if they are there unsupervised?
• What if there is an electrical problem, will my baby or child be safe if they are unsupervised?
• What if a fire breaks out, will my baby or child be safe if they are unsupervised?
• What if an expensive equipment fails or is broken while my child is around unsupervised? Will I be responsible?
• How will a studio experience be for my baby or child if they are left unsupervised in the building?
• What if my baby or child is unsupervised, and I can not find them in the studio building?

If you ask yourself those questions then you will know why producers insist that babies and children have constant supervision at all times once inside the studio building. And many of those things have happened inside of different studio buildings in our own cities. They might not have happened while babies or children were around, but they have happened. Some reading this might think this article is too much or too restricting but supervision can never be too much when you are talking about having babies and children in an industrial-type area. Yes, there are times, when babies or children are needed in the studio area. They might be part of the show or they might even be the entire show! So, knowing this, you see that I am not trying to restrict the admission of babies or children inside the building but rather I am simply writing an article on how to keep babies and children safe and secure when they are in the building. All babies and children who are guests, hosts, co-hosts, audience members, and children of producers are welcome inside the building provided they are supervised at all times. So, knowing that, I invite you to thoroughly enjoy your studio experience, now that I have placed these few reminders out to the public in this article.

I am hoping that everyone reading this takes the article in the spirit that it is written, entirely for safety first for babies and children inside the building. I warmly welcome everyone to the studio for my own productions, including babies and children (with proper constant supervision). There have been many occasions where some producers have brought children to the show and they were properly supervised and they were a great asset to the show. I invited them back again. So, it definitely goes without saying that some of our shows are enhanced by the children’s presence.

Security:

Our particular building does have wonderful security guards who take care of what needs to be taken care of. Thank God for that. One of the things that does make producers and visitors feel secure is that our studio has uniformed security guards at the desk, and they have proven that they can handle any situation that arises. So, know that the studio has provided a means for safety, and that you need to help them out by being responsible for your own children or for the children that you bring inside the building.

That is all I have to say, for now, about the experiences of being inside the building with babies and children. I welcome any comments, questions or criticisms from my readers.

Certified television producer, artist, writer, collage-artist, and creative individual with many years photography, press and publicity experience. She has covered national and International events as an independent journalist and artist. She shares information, helpful hints and resources with the readers on a variety of topics including television production, art, photography, and psychology.

It seems like everyone is jumping on the designer bandwagon these days. And why not? The fashion industry is sexy – fashion shows, parties, celebrities, recognition, and even fame go along with a career in fashion.

Now herein lies the question: do you go to design school or go straight to starting a business? Not all fashion designers go the traditional route to design school, instead drawing on an entrepreneurial spirit, some “designers” turn their head for business into a thriving fashion enterprise.

Ralph Lauren is an example of a fashion designer who bypassed the sewing machine and headed straight for the marketplace. Which path you take depends on your personal motivation. If you love sewing and pattern making, the traditional route is going to bring the most satisfaction. If you love the fashion world but don’t have the patience for needle and thread, a career in the fast-paced and exciting fashion biz is still possible … read on.

So you want to go out on your own, what’s first?

You’ve always admired fashion designers and their ability to design trendy, unique and wearable fashions season after season, as if by magic. But it’s not magic; it’s a business. And to succeed in business, nobody is an island (meaning that everyone needs a little help to accomplish his or her dreams). And it’s not all glitz and glamour. Being a fashion designer means you have to actually run a business.

Before you print up those business cards, ask yourself if you’re prepared to roll up your sleeves and tackle the not-so fun aspects of fashion.

At first, running a fashion business could mean fulfilling orders yourself (i.e., packing boxes until the wee hours of the morning), steaming clothes repeatedly during fashion shows, and bookkeeping. You could spend only a small percentage of your time actually designing; instead you’re networking, schmoozing and negotiating with suppliers and vendors.

If you’re planning to take the direct-to-consumer path, you’ll have to create a website and maintain it (and most likely have to pay someone to handle these tasks), get a merchant account to process credit card transactions and manage charge back cycles. If you’re not interested in learning what these things mean, then you may decide to work for a large fashion house to learn the ropes.

But if you have the endurance and enough friends with skills or services you can trade for, you could go out on your own and succeed. Today is the age of entrepreneurship, why shouldn’t you get a piece of the pie?

The fashion biz: a reality check

Exciting industries are rife with competition-some that will fade away and others that will give you a run for your money. You have to compete against the big names out there and trendy emerging designers fresh out of the best design schools or veterans of big fashion houses-not to mention all the celebrities popping up with their own labels.

Running your own fashion biz may require you to reach out to suppliers and potential customers all over the world, which means you better be organized. Are you prepared to coordinate the procurement of raw materials like fabric, trim and hardware, so that your manufacturer gets what they need at the right time to deliver a finished product on deadline?

Think of yourself as a business person first and a fashion designer second. If your fashion business fails, you’re the one that suffers. Always keep the business aspect in the forefront of your mind. Some people find this prospect exhilarating, while others can’t think of anything more horrifying. Still interested in starting your own fashion business?

I’m not a designer, can I still work in the fashion industry?

Yes … and no. If you have the design vision, you can pay people to take your idea and turn it into a tangible pattern or design. This is sort of like what a creative director does. If this fits your situation, then you’d better have the business chops to get your business off the ground and you’d better have a solid Core Value Proposition.

What this means is that you must have a strong business proposal and offer a product that’s valuable and in demand. That doesn’t mean you have to sell high-end couture clothing to rich people. Clothiers H&M and Zara focus on fast ready-to-wear fashion at affordable pricepoints.

There is more than one path to becoming a fashion designer. You can learn to sew and go to design school to learn the ins-and-outs of the business. But not everyone learns to draw patterns and stitch together garments. The keys to succeeding in the fashion business are creativity, a good business sense and determination.

Stay tuned for more advice on becoming a fashion designer.

A. Covington is a fashion writer with a sharp eye for men’s designer fashion. Her men’s fashion blog covers the essentials on how to dress well, from pocket squares and designer cufflinks, to work attire for men. Amy maintains three blogs for Belisi Fashions, a luxury accessories brand based in Palm Beach.

Celebrities today seem to be up for grabs. Photographers and tabloid writers feel free to spy on celebrities and follow them constantly. Celebrities seem to have different feeling about this. Some celebrities play along with the paparazzi and seem to tolerate the intrusion in exchange for good publicity. Others are constantly embroiled in battles with the relentless photographers and often end up in court. The question undercutting all of this however is who, in fact, actually owns these celebrities?

Celebrity Ownership

Despite the pleas on some tearful celebrities, the answer is the people. The same individuals who made ordinary actors, singers, and politicians into celebrities in the first place actually hold the deed on celebrities. So long as celebrities stay in favor with the public, they continue to live a blessed existence of fame and fortune. But if a celebrity loses favor and begins to fade away, they simply cease to exist for much of the world. In some cases they might retain some of the fortune, but the fame is certainly gone.

An audience creates a celebrity. Many individuals have starred in movies or performed at concerts without gaining celebrity status. It is only when the world begins to sit up and take notice of an individual that true star status is obtained. This is how stars are born overnight. If people care about the comings and goings of an individual and the media picks up on this interest, news and tabloid coverage will increase. This creates a celebrity. If nobody cares about a singer’s shopping trips or political message, it is a safe bet that individual will not be stalked by paparazzi and won’t be gracing the covers of magazines. Simply, celebrities are selected.

The Fickle World

Human beings are fickle creatures. The general population may hold a singer in great esteem one year and have moved on completely by the next. In fact, certain television stations and websites have a made a market out of finding these former celebrities and marveling at their now “normal” lives. Other websites offer members the opportunity to demonstrate their flightiest tendencies on a daily basis.

Celebrity Websites

Certain websites have constructed an algorithm to demonstrate the popularity of celebrities. This algorithm and the celebrity’s popularity equate to a market price, much like a stock price. Members of the site are able to buy and sell celebrities for their personal portfolios and if the celebrity increases in value – both popularity and price, the portfolio value increases. If a celebrity begins to lose value, he is undesirable and dumped.

There can be no clearer message about not only the value of celebrities, but also the ownership of celebrities. Just as celebrities in a portfolio can create a return for investors, those same investors take the time to research the celebrities in forums, news articles, and blogs. This research and drive for information increases the celebrity’s popularity and price. When a celebrity fails to generate news, or generates too much bad publicity, the public will simply lose interest, the celebrity loses value, and stardom begins to fade.

For additional gossip, news, and the opportunity to buy and sell the most popular celebrities in the world today, visit CelebrityContest.net [http://celebritycontest.net]

What I am going to teach you here is the fact that there is a physical reason for our feeling frightened when put into a position to speak in public. That reason is our body’s perception that speaking in front of others is a “threatening situation” that demands the over-creation of adrenalin. And it is the over-creation of adrenalin that gives us our symptoms of feeling frightened.

Here’s the Good News on managing speech anxiety – I can tell you exactly how to control the over-creation of adrenalin within 15 minutes of you having to stand up to give a speech. I am going to inform you of a doctor-prescribed, safe, inexpensive and non-addictive pill (medication) that will eliminate your symptoms of fear almost instantaneously. Therefore, I can show you how to speak in public without the symptoms of feeling frightened. And if you can “speak in public without the symptoms of feeling frightened ” guess what – YOU CAN SPEAK IN PUBLIC”! Since the pill is a doctor-prescribed medication, not an over-the-counter medication, you will have an opportunity to discuss it with your doctor to confirm that it is safe for you to take. But I can assure you – it is perfectly safe for the vast majority of us. This may sound too easy, but believe me once you learn the physical reason for your speech anxiety or stage fright , you will be able to speak in public better than you’ve ever thought possible.

Let me also say this up-front – The information I present here will help those with a moderate to serious fear of speaking in public, as well as give “an edge” to those who do not really fear public speaking, but just want to improve their performance . Those that have used this information successfully have included many in business who must routinely give presentations , show business folks who want to be able to deliver the best performance possible and those who just join an organization and must participate in large meetings once in a while. The symptoms of fear that I will explain how to control are identical to all of us. The only thing that separates us in terms of public speaking is the severity of those symptoms and how we’re able to control them.

One more thing – you do not have to take the medication I will recommend here forever. It is only necessary during the period of time that you are re-training your brain to understand that speaking in public is not a threatening situation and therefore it doesn’t have to create an over-abundance of adrenaline in order to survive THEREFORE, THE MEDICATION IS REALLY A “TRAINING AID”, NOT A “CRUTCH”.

Speaking in public is the No. 1 fear of Americans. It surpasses our fear of losing our jobs, losing our relationships and, believe it or not, people write in surveys they fear public speaking even more than death (although I suspect that given a true life and death situation, they could muster the courage to give a little speech).

Because speaking in public opens the opportunity for us to be judged by others in a very personal way more so than any other activity we do in life. And it is this fear of being judged that creates anxiety that can be paralyzing at times. Simply put, many of us have a fear of looking foolish, of being laughed at, of making a mistake, of being vulnerable.

That was exactly my problem. For many years my fear of speaking in public kept me from advancement in my company because even though I was very competent in my field (in fact, more competent than many of my peers), I was perceived as not being as competent as those that could speak more authoritatively than I. It got so bad I had difficulty participating effectively in large meetings where I was an expert in the discussion area. I had to do something or my career, and my life for that matter, was going to be mediocre, at best and, at worst, a dismal failure.

My background was research and so I began to investigate the causes of my inordinate fear to speak in public.

Simply put – what I found changed my life forever and it will change yours too.

BackGround

When it comes to public speaking, there are several categories of people:

About 5% of the population do not fear speaking in public at all and actually look forward to it in many cases.

Another 10% are apprehensive to speak in public, but do not have a real fear of it.

However, the vast majority of us (about 80%) have a mild to serious fear of speaking in public; we don’t do it unless we have to and we tend to minimize the opportunities to speak in public if at all possible;

Then there are about 5% of us that have an excessive and almost debilitating fear of speaking in public.

I should admit to you now that I have a serious, and at times, excessive fear of public speaking

and am therefore in the “gray” zone between the 80% and 5% categories. Therefore, I know from

experience what I am going to teach you will help the vast majority of everyone who has a fear of standing up and speaking in public. In addition, this information will also help those who do not really fear public speaking, but just want to give a better performance.

Where Does Our Fear Come From?

This, of course, is a hard question to answer. For many of us the cause of a moderate to serious fear of speaking in public cannot be associated with anything in particular in our childhood. However for others, it can be traced back to a particular incident that has triggered the symptoms felt when faced with the necessity to speak in public. Some of us can vividly remember a particular incident in our lives where we became very self-conscious and embarrassed for some reason in front of a crowd of people. Often this incident occurred as far back as elementary school when our self-worth and self esteem were just beginning to develop and may not relate to actually speaking in public at all.

For instance, if we were in a situation where we stood embarrassed in front of our schoolmates without saying a word,— that could be it. Even though we were not speaking in public, our brains perceived our fear just standing there in front of other people as we thought that we looked foolish and/or scared. In a nutshell – what happens to some of us during this type of incident is our brain links our intense negative feelings with merely standing in front of other people as they look at us. It almost sounds silly that deep fears that control us as adults often have such trivial moments of creation in childhood. Often they last only a minute, but it is a minute that can last a lifetime. I’m sure the people who initiated these terrible incidents in our lives so many years ago never think back to them or to us for that matter. They have no idea what they said or did during that incident had such a profound and lasting effect on us.

Our fears may only be “in our head” but that’s enough to make us react as we do to speaking in public and other anxiety-prone situations. I’m sure you already realize – it’s pretty difficult to change what’s “in our head” even if we can figure out why it’s “in our head” to begin with and why we react as we do to perceived “threatening situations” such as speaking in public.

Luckily for us, understanding the true source of our fear doesn’t really matter. For some reason our brains have created a connection/link between standing up in front of people and speaking with a “threatening situation” of intense vulnerability.

And let me say this now – our fears are completely independent of our intelligence. In fact, I believe those with higher IQ’s may actually be more susceptible to fears brought about by childhood events than those of lower intelligence.

Realistically, a deep-seeded fear may not be “curable” (in the clinical sense of the word). This is because it is a result of our genetic makeup and our external & internal conditioning which is a result of one or more of those incidents I mentioned that created our feelings of anxiety in the first place. But, as I’ll explain in a moment – you do not have to cure your fear; you need only to cure the symptoms of that fear in order to be able to function without fear.

GOOD NEWS & BAD NEWS

First, the Bad News!

For those of us with a serious fear of speaking in public our minds create what I’ll call a “malfunction” of our natural defense system. It is our natural defense system that identifies a “threatening situation” that may confront us and creates the “fight or flight” response in our bodies. For us, when put into a position to speak in public our body’s natural “fight or flight” response initiates the over-creation of adrenaline because we perceive speaking in public as a very serious “threatening situation.”

Therefore, the bad news in this discussion is the fact that our minds cause our bodies to create exorbitant amounts of adrenaline completely out of our control. And it is adrenaline that creates all of the symptoms that make us look and feel frightened.

This understanding that it is the over-creation of adrenaline that creates my symptoms exactly at the time when I must speak in public was the key to finding a cure to my speech anxiety. And I promise you – it is the key for you as well.

It doesn’t matter why we react as we do to speaking in public and it doesn’t matter if we remember a particular incident that triggered our anxiety or not. Since our fear is not based on an actual threat to us, we need only eliminate the symptoms of that fear to gain back our self-confidence and function as if we don’t have fear. Intellectually, we know there is nothing really to fear when we speak in public, but our bodies act as if there is and it’s completely out of our control.

Without the symptoms of fear we can speak in public in a more thoughtful and relaxed manner than we ever thought possible. And if we can speak in public in a relaxed manner, guess what – WE CAN SPEAK IN PUBLIC!! PERIOD Really, it’s just that simple.

Now, the Really Good News!

The symptoms of fear of speaking in public are curable specifically at the time you’re put in a position to speak in public by taking a doctor-prescribed, safe, inexpensive and non-addictive medication. As I will explain, this medication allows us to control the cause of our symptoms exactly at the time when they are getting out of control. Therefore, what I am going to teach you will help those of us who have to routinely give presentations for our careers, those who need to only give several speeches a lifetime for wedding toasts, funerals, and the like, as well as those in show business who must be relaxed and confident enough to focus on their performance.

Here’s why -

As I mentioned, it is adrenaline that creates our symptoms of fear and anxiety completely out of our control. But what if you could control the adrenaline your body creates- then you would be in control!! That is what my research discovered and that is what I can show you how to do – control the adrenaline your body creates by taking a safe, inexpensive and non-addictive medication. And once I show you, you can do it anytime you want, on demand – just 15 minutes before a speaking engagement or performance.

Do I Have to Take the Medication Forever?

No you don’t and here’s why – Taking the medication during public speaking engagements over a period of time, allows the brain to re-think how it feels about speaking in public. With the medication, each public speaking event will increase your confidence as you realize you don’t look or feel frightened. Your brain will eventually understand that public speaking is not the threatening situation that it has assumed. The medication can make it much easier to transition through the period of fearing to speak in public and being confident to speak in public. Because of this, the medication should not be considered a “crutch”, but rather a “training aid” that will allow you to re-train your brain to understand that speaking in public does not require an overabundance of adrenaline in order to survive.

My Web site not only further elaborates on this subject but for a small fee you can instantly download the information to give to your doctor so he can help you be confident when speaking in public. http://www.speechanxietycure.com/

The best public speakers in the world all agree on one thing. You can’t get good at public speaking without practice. That’s where some public speaking training seminars fail in teaching people how to do successful presentations. Lecturing someone on how to do a presentation will not make a student learn any faster. If you learn by doing, you’ll achieve much higher results!

After several years of public speaking engagements, teaching seminars and performing piano music for worldwide audiences, I woke up one day and realized I didn’t know the first thing about public speaking. That seems like an odd thing to say but it’s true. How did I know I wasn’t any good at it? Because, I didn’t “feel” successful at it.

Then, as luck would have, I reluctantly and skeptically attended a seminar my wife dragged me too. I thought to myself, I’ve been doing this forever and I don’t need to learn anything. But, I went anyway. And boy, am I ever glad I did. For the first time in my life I witnessed a public speaking genius at work. This man was truly amazing. He had every one of the 2,000 people in that audience on the edge of their seats for three entire days!

That was the turning point for me. At that seminar I realize why I didn’t feel like a successful speaker. I resolved myself to learn everything I could about being successful, not only as a public speaker but as a concert performer. And, overnight I went from being a know-it-all to a learn-it-all. I decided to invest in a seminar that promised to teach how to do successful public speaking presentations. Wow! It was even better than their first seminar. It was five entire days of learning, jamb packed with the most incredible public speaking knowledge imaginable.

What happened next is the truly amazing part! As soon as I got home I started incorporating my new found knowledge into my concert piano performances. The result? My audiences began to grow exponentially and my sales of CDs and DVDs went through the roof. Plus, my fee for performing grew to ten times what I was getting previously.

So, I took the knowledge and experience and began my own seminar business. I first started teaching what I knew and was successful at including how to increase your leads and sales through internet marketing, how to succeed in the niche music business, how to sell off the stage and the inner game of success.

What does this all mean for you? If I could use public speaking training to improve my sales, so can you!

The secret formula that I use for my public speaking presentations works great for keynote speeches, training seminars, sales presentations, live concerts, fundraising speeches, wedding speeches, board room presentations, employee motivation, employee training, pitching, team building, networking and virtually every other public speaking and presenting situation you can think of.

What is this amazing secret formula?

IT’S NOT ABOUT YOU, IT’S ABOUT THE AUDIENCE!

What does that mean exactly? Well, the vast majority of performers and public speakers are far too concerned about how they speak, about how they look, how they perform and how they sell themselves. This is 100% guaranteed to have less impact! In fact, if you’re out there trying to sell yourself, think again, few will buy!

Based on my experience, once I started to make the audience the star I generated more audiences, more results, and more money. This was real world proof that the template works! At first using the template felt strange, because of course, the template felt unfamiliar and was very different than anything I had previously tried. But, after only a few engagements, I was able to merge my personality with the template.

With practice, the template began to feel natural and effortless. Now, I use the template for every type of presentation. In fact, I recently did a boardroom sales presentation for a corporation and walked out with a $20,000 deal. How did I do it? The TEMPLATE!

Here’s where you can start. First be open to learning! Then learn the perfectly powerful speaker’s template. Then learn by doing. It’s that easy! Don’t forget to make the audience the star and you’ll realize just how rewarding and profitable public speaking can be.

Paul Tobey’s motivational public speaking training seminars are perfect for professional speakers, performing artists and anyone looking to raise their public speaking skills to a whole new level.

How Much Spare Change Will You Need?

The average cost of college tuition today with room and board is about $25,000 annually at an in-state public university and around $40,000 annually at a private school not including the purchases of books, fees, and spending money, let alone airfare if your student athlete is out of state.The price tag for a college education increased 53% for public schools and 47% for private above inflation between 1994 and 2004. This college tuition cost is not going to get less! Are college sports scholarships something to think about for your future college athlete? Might these scholarships provide a little spare education change?

That is what we were facing five years ago with a high school senior who decided to play college basketball very late. But our daughter was not the elite athlete; in fact, her high school coach considered her a D-III athlete at best, possibly D-II if she stretched. We had not even thought about college sports scholarships because no coach was knocking on her door! And, in fact, today, universities and colleges have reduced the recruiting budgets for college coaches; they cannot personally recruit as many potential college athletes as before. If you are the parent of a student athlete who is not the top superstar, then it is likely you and your student athlete will have to search for sports scholarships yourselves. Your prospective college athlete will have to do his or her own recruiting to help reduce the high price of college tuition today.

Who Gets to Play?

In our research to figure out how we would find her a college sports scholarship and reduce that tuition bill, we found out that about 5% of high school athletes go on to play college sports. We also discovered there are sports scholarships beyond the “usual suspects” of football, basketball, baseball and volleyball, and not just in the NCAA! And, we learned that high school student athletes can find academic scholarships at great D-III schools that have highly competitive sports programs.

We did not want our daughter to be one of the student athletes in the 95% category that do not get to be a college athlete! She had the desire, the work ethic, and the talent. We developed a process to help her and she received a walk-on offer at a Big East D-I University in Chicago, two D-III academic scholarships, and, eventually, a D-I scholarship at a West Coast Conference school.

What we found in our research, online and personal ~ talking with college coaches, high school counselors, athletic directors and other parents ~ was that most of the emphasis is on the elite future college athlete, the one coaches actively recruit. There seems to be less effort put into those athletes who are talented, but are not maybe the superstars. These may be young athletes who are not the starters on their high school teams, suffered injuries or are late bloomers. We also saw other high school athletes whom we came across that either did not know how to begin their search for an athletic scholarship (D-I and D-II) or the academic scholarship at D-III. Or, their parents were really not knowledgeable about the world of college athletics.

College Athletics — Play to Earn an Education!

And, what we found is that there was a lot of information about the athletic scholarships, but not much about how to find a solid academic program along with that athletic scholarship. Most college athletes do not go on to play in the pros, so the object of the athletic scholarship is to help the student athlete continue to play his or her sport while also earning a college education. And, we happen to think that is still very valuable. Universities and colleges are beginning to recognize the end game — getting a good education to prepare for the “game” of life. Even the NCAA is increasingly looking at the student in the word student athlete.

I came across a recent article in a national magazine that basically was saying athletic scholarships are not all that they are cracked up to be. The author stated that the average college scholarship is about $10,000 and, if you extract the men’s sports, that scholarship reduces to $8,000; the only full scholarships are for football, basketball and volleyball. The author also stated that there is no such thing as a four-year athletic scholarship and coaches can pull scholarships for a variety of factors. True enough; scholarships are given for only one year and most sports scholarships are partial, with colleges and parents piecing together the puzzle with loans and other financial aid packages. It was a rather doom and gloom article. We have a little different view. When our daughter received offers of two approximately $12,000 academic scholarships to two D-III schools where she would have played basketball, that was $12,000 off of a $33,000 tuition bill. I don’t know about you, but I will take that any day!

Caveat Emptor! Like Anything Else — Do Your Homework and Use Common Sense!

Although the world of college athletics is not for the faint of heart and there are certainly unscrupulous programs and coaches, if one uses common sense and goes into this college search process with eyes open and a realistic picture of the level of talent, the search for a college sports scholarship, given an effective plan and process, should produce some good results. We were neophytes when we started this effort on behalf of our daughter, but we have to say the coaches with whom we talked and met were straight shooters and gave us honest answers to all of our inquiries. And, yes, we know of student athletes who have not been treated very well, with scholarships yanked because coaches were changed or the school wanted to go in a different direction. But, we also know of student athletes who were able to stay all four years at a college and play for most of those years and gain a good solid education, something they might not have had if that athletic scholarship had not at least reduced some of the college bill.

We would encourage the student athletes out there or the parents of student athletes to take a look at college sports scholarships (or academic scholarships at D-III schools) as a way to pay part of that ever increasing college tuition bill. And, the college athletic search will take you beyond the NCAA, to the NAIA, NCCAA, NJCAA, or other community college associations and will provide a much greater choice of academic programs available. There are great colleges and universities out there of all shapes and sizes to fit the interests of the potential college athlete. The key is just to start and do not listen to all the naysayers. You just might be pleasantly surprised.

Keep Playing! Athletics Scholarship Search System grew out of our efforts to help our daughter, a high school basketball varsity player become a college athlete getting offers as a Walk-on at a D-I Big East School, 2 D-III Academic Scholarships, and finally a D-I Scholarship at a West Coast Conference School. While I knew the game of basketball, my wife and I knew little about the world of college athletic recruiting.

And, what we could see was that most of the effort on the Internet was focused on the elite, D-I athlete. There wasn’t a great deal of information for students at the D-II level, or looking at D-III schools. We were also given a lot of poor information, such as don’t ever call the coaches! Glad we didn’t listen to that advice! And, we saw nothing that helped our daughter match her athletic interests with her academic interests. After all, the education is the point! Most college athletes don’t go on to the pros. The goal with an athletic scholarship should be a solid educational foundation.

We have developed a clear, easy to use system to help the student athlete and the parents navigate the college athletic scholarship world. We also provide helpful resources, forms for collecting and tracking information, as well as a way for parents to help their student athletes get an objective assessment of their talent, and know how to support their strengths and work on their weaknesses. Keep Playing! Athletics Scholarship System is a six-step, effective turn-key process to find a solid college athletic program, a sports scholarship and a good academic program. This system will help you do your own college recruiting and find a college sports scholarship!

Keep Playing!

Al Musante
http://www.keepplayingathletics.com

Choosing a health insurance plan that is right for your family can be a bit daunting…but it doesn’t have to be. Becoming familiar with the different health insurance plans that are available both for individuals and families will help you navigate the health care insurance field and make an better informed decision concerning health insurance. Read on to learn some of the health insurance basics.

HOW TO CHOOSE THE BEST INSURANCE PLAN FOR YOUR NEEDS

First, determine if short term or long term health insurance is what you need. If you are unemployed, yet hope to be hired in a few months with a company that offers group insurance, than perhaps short term health insurance is for you. Also some companies require a new employee to work for three to six months before they are eligible for health benefits. Short term could offer the temporary coverage you need. Next, decide if basic health-care coverage or comprehensive health care coverage will better meet your needs.

BASIC HEALTH CARE COVERAGE

This plans covers inpatient hospitalization and out-patient surgery in case of a major accident or illness. The monthly health premiums are lower and are generally the choice for those who are primarily interested in coverage in case of severe accident or illness.

COMPREHENSIVE HEALTH CARE COVERAGE

This plan covers preventative care, Dr’s visits, prescriptions, along with hospitalizations and out-patient surgery. Comprehensive health care coverage has a higher monthly premium, and it generally has a low co-pay at the time of a Dr’s appointment. This plan may be the better choice appropriate for those who have reoccurring medical expenses.

AVAILABLE INDIVIDUAL AND FAMILY INSURANCE PLANS

Health care plans usually fall into two categories, indemnity or managed-care plans. They differ in regard to how bills are paid, ability to choose health care providers and out-of pocket expenses. Generally, you’ll have a broader choice of health care providers with indemnity health-care plans and less out-of -pocket expenses and less paperwork with a managed-care health insurance plan.

MANAGED CARE PLANS

HMO’s (Health Maintenance Organizations), PPO’s

(Preferred Provider Organizations), and POS’s (Point of Service Plans) are all managed health-care insurance plans.

INDEMNITY PLANS

Under this plan, insurance companies pay their share of the cost for services after they receive a bill. This may mean that you will have to pay your bill for medical care at the time of service and then seek reimbursement from your health insurance company.

WHAT ARE SOME OF THE ADVANTAGES AND DISADVANTAGES OF AN HMO PLAN?

- Lower out of the pocket expenses

- Fewer choices in regard to physicians and hospitals than other health insurance plans

- A PCP (Primary Care Physician) is required and will meet most of your health-care needs

- A referral is needed from your PCP before seeing a specialist

WHAT ARE SOME OF THE ADVANTAGES AND DISADVANTAGES OF A PPO PLAN?

- Health insurance companies offer a network of preferred doctors and hospitals

- These health care providers offer the members services at discounted rates

- Usually an annual individual or family deductible must be paid before the health insurance companies begins to pay out money for medical bills.

WHAT ARE THE ADVANTAGES AND DISADVANTAGES OF A POS?

- Combines features of both the HMO and PPO plans

- Members are usually required to choose a Primary Care Physician (PCP)

- PCP services are not usually subject to a deductible

- Preventative care visits are generally covered

HEALTH INSURANCE TERMS

As with any genre, health care insurance is filled with jargon exclusive to its field. The following is a list of terms and their meanings that will hopefully give you good grasp of health insurance terms.

COINSURANCE

The percentage of medical costs you have to paying after meeting the deductible amount that is attached to your plan.

CO-PAYMENT

This occurs under an HMO plan and requires a specified dollar amount be paid to the health insurance provider on each visit.

COVERED BENEFITS

A covered benefit must always be a medical necessity. The determination of whether something is a medical necessity or not is made by the health insurance company.

DEDUCTIBLE

The amount you must pay in medical expenses before your insurance company will begin to cover your medical bills.

DEPENDENT

A dependent is someone other than yourself who is covered under your health insurance plan. This could include a spouse, child, unmarried partner. For children there are age limits at which they are no longer covered under a parent’s health policy.

DISABILITY

In the event that you are unable to work for an extended period of time due to an injury or a medical condition, disability insurance provides funds to cover your living expenses in a specified amount.

GATEKEEPER

Another title for your Primary Care Provider (PCP)

GROUP INSURANCE

Employers often offer group insurance plans. Under group insurance an employee can generally obtain a much more affordable plan.

IN NETWORK/OUT OF NETWORK

In network refers to those physicians who have been contracted under a health care plan to provide services to their members. Staying in network allows lower charges and a smaller percentage of out of pocket expenses. Conversely, going out of network generally means charges are higher and you will have to pay a greater percentage of out of pocket expenses.

GRACE PERIOD

This is a specified period past the due date of a premium during which coverage may not be canceled. This prevents health insurance companies from canceling your policy if payment should arrive a few days late.

OPEN-ENROLLMENT PERIOD

Generally, this is a once-a-year period of time that allows you to make changes to your existing health insurance coverage. (A change in marriage status or the birth of a child also allows you to modify your health insurance plan.

PRE-CERTIFICATION(Pre-authorization)

Before surgery or hospitalization, the insurance company must be contacted to get approval for a medical service to take place. Failure to do so typically means the insurance company will NOT pay for the service. This does not apply in an emergency situation, although the insurance company should be contacted as soon as possible.

PRE-EXISTING CONDITION

A medical condition that existed before an insurance policy became effective. Most insurance companies require a three month to one year waiting period before a pre-existing condition can be covered under their plan.

PREMIUMS

Monthly payments for insurance coverage. Monthly payments can easily reach $100 for singles and two to three times that amount for a family.

REFERRAL

A written form from your Primary Care Provider to another Dr. (usually a specialist) giving consent for you to go to them for medical services.

SECOND SURGERY OPINION

On occasion an insurance company will ask you to be seen by a second Dr. to determine if the recommended procedure is necessary or if an alternate method could accomplish the same result.

URC (Usual, reasonable, and customary)

URC refers to the dollar amount an insurer will usually pay for a service or procedure based on what is customary for the area in which you live. An insurance company will not pay $800 for a procedure that costs only $300.

HEALTH INSURANCE QUOTES

Be sure that you shop around to find the best health insurance plan. Compare quotes from at least 3-5 different insurance companies before you decide to purchase.

Get started comparing health insurance quotes today!

Online holiday shopping is more popular than ever. Online shoppers know that shopping on the internet for great holiday gifts is convenient, time-saving and safe. Not to mention the huge selection of unique gifts not always available in stores. Not surprisingly, shopping for children’s furniture online has become the preferred method of selecting wonderful bedroom décor products. Parents can visit dozens of childrens’ bedroom showrooms and browse hundreds of wonderful kids room artwork all from the comfort of home. Listed here are 5 essential tips for shopping online for childrens’ furniture this holiday season:

• User Friendly Site Organization including Lists by Price, Age or Theme - Choose to shop at a childrens’ furniture webstore that offers easy site navigation, a search function and special categories with products arranged by price, child’s age or theme.
• Detailed Pictures & Product Descriptions - When purchasing childrens’ bedroom furniture by catalog or online, you are making your buying decision from photos and product descriptions. Make sure the webstore you choose to shop at has clear, detailed pictures of the items, including close-up and alternate views. It is also helpful if the webstore offers a picture of the items displayed in a complete bedroom ensemble so that you can visualize how the items might look in your child’s bedroom. Read the product descriptions carefully for aspects not readily visible in photos.
• Return Policy – Always check the webstore policies for the company’s return and exchange policy. A 14 day or longer return or exchange period is reasonable for childrens’ bedroom furniture. Note that it is typical business practice for shipping costs to be non-refundable, personalized and customized items to be non-refundable and for items purchased on sale to be considered final sale and not subject to return or refund.
• Contact Info – Always make sure the webstore you shop at has some way to contact a real person. A great webstore will offer several ways of contact including by email, phone and a physical address. You should feel welcome and encouraged to call the company with questions concerning their products or policies. If you cannot easily reach someone to answer a question, beware before purchasing.
• Press or Media Exposure - Companies spend time and resources to get their products into the media and press. This shows a commitment to their business and their products. Companies that have been featured in the media are chosen because they offer something unique or special. Press often require product samples or meet with company representatives prior to the feature, giving credibility to the webstore and products. Feel free to check the company’s press page for a listing of recent media features.

http://www.RosenberryRooms.com is the leading online shop for childrens’ furniture, kids art and bedroom décor, offering the largest selection of high-quality childrens’ bedroom products. Find all the essential features to shopping online noted above and everything you need to create a beautiful bedroom for your child at http://www.RosenberryRooms.com

Cat toilet training in easy steps:

Toilet training your cat is an easier task than you might think. Several techniques can be used for training your cat to use the toilet, and you can even buy products that will assist you in toilet training a cat.

The advantages of cat toilet training:

Teaching your cat to use the toilet can hold several advantages for any cat owner. The biggest advantage of having your cat use a toilet is that eliminates most of the disadvantages that using cat litter holds. Cat litter is expensive. After toilet training your cat, you won’t ever need to buy cat litter again. Cat litter boxes needs to be cleaned regularly or they will become smelly. With cat toilet training, the water in the toilet masks most of the offending smell and all you need to do is flush regularly – much simpler and easier than cleaning a litter box. Going away for weekends or holidays also becomes easier for your neighbor – instead of asking someone to clean out the litter box, all they need to do is flush your toilet once in a while (when they come around to water your plants and feed your cat).

How to toilet train a cat (do it yourself):

Toilet training your cat depends entirely on the cat’s personality. Toilet training sociable cats that love being praised make the training task much easier. You might want to adapt the toilet training technique described below to fit your cat’s personality. Training your cat to use the toilet can take anything between 2 weeks up to 3 months, depending on the individual cat’s personality.

Cat toilet training basically consists of a simple procedure: gradually moving your cat’s litter box closer and closer to the toilet, finally placing a bowl with cat litter inside the toilet, and removing it altogether when your cat is comfortable and used to it. Toilet training a cat is a gradual, step-by-step process, consisting of making small changes to the location of the litter box and only continuing to the next step when your cat is entirely comfortable with its current situation. You might have to wait anything between 2 days or 3 weeks before moving on a next step in cat toilet training. You might even have to go back a step once or twice when it turns out that your cat wasn’t ready to move on to the next toilet training step. Beware – cat toilet training takes a lot of patience!

Cat toilet training steps:

1. Start gradually moving your cat’s litter box nearer to the toilet until finally it should be next to the toilet. Ensure that your cat is always comfortable and sure of its litter box’s location.

2. Now start elevating the cat’s litter box. Put something non-slippery like newspapers or cardboard underneath the litter box. A normal rate to increase the height of the litter box would be about 5cm a day, but be very attentive to signs that your cat is not comfortable with the current height, and adjust the pace of raising the litter box accordingly. The cat litter box should be raised until it is at a level height with the toilet bowl. Throughout this process it is very important to keep the toilet lid open and the seat down, because your cat will get used to it and might even start climbing on the toilet seat in order to reach its litter box.

3. Move the litter box to rest on the open toilet seat. Keep it there until your cat seems comfortable with this arrangement.

4. Buy a metal bowl or tray that will fit snugly inside the toilet bowl. It would be advisable for the metal bowl to have small draining holes. Fill the bowl with cat litter (preferably the flushable type). Now remove your cat’s litter box entirely. If you have reached this step successfully you are very close to having a toilet trained cat!

5. While your cat is using the metal bowl inside the toilet, be attentive to where its paws are. The goal is teaching him to squat with all four paws on the toilet seat rim. You can move the cat while it is using the toilet and praise it (or reward it) when it is sitting in the correct position. Normally the cat will first sit entirely inside the metal bowl, then with front paws on the toilet seat, and finally it should sit with all four paws on the toilet.

6. Start using less and less cat litter. This can get smelly, so be sure to clean the bowl after every time your cat uses it. Cats scratch in sand or cat litter to cover up the smell (this is out of instinct), so if the bowl becomes too smelly your cat won’t be comfortable using it (and you probably wouldn’t be comfortable with using your toilet either). Using flushable cat litter makes cleaning the bowl very easy – just throw out the contents in the toilet and flush down, rinse out the bowl, refill with correct amount of cat litter and replace. A handy tip is to place newspaper on the floor around the toilet to help keep the room clean should your cat scratch in the cat litter. Decrease the amount of cat litter in a pace that your cat feels comfortable with.

7. When you basically don’t use any cat litter inside the bowl anymore, start gradually filling the bowl with water. The water will also help mask the smell so your cat will be more comfortable using the toilet. Be attentive to your cat’s behavior through this whole process – if your cat stops using the bowl inside the toilet, you may be moving on too fast and might need to go back a couple of steps.

8. When the water level in the bowl has reached about 4cm and your cat has no problem using it, it is time to remove the bowl entirely. Your cat should now be toilet trained. Remember to always leave the toilet seat up and flush regularly!

Products to assist you in toilet training your cat:

There are several cat toilet training kits available on the market. They basically consist of a tray that fits inside the toilet, and with a hole in the middle that you can gradually make bigger. When choosing a cat toilet training kit, ensure that you buy quality. The cat training kit should not be flimsy and should be able to support your cat’s weight even when the hole becomes large. Be aware of cheap, flimsy products you buy at toy stores or pet stores, because if your cat falls in, it might loose interest in toilet training completely.

The disadvantages in toilet training your cat:

Not everyone agrees that cat toilet training is such a great idea. They argue that it is unnatural for a cat to use a toilet, as it goes against their natural instincts to cover up their smell. Toilet seats can also be slippery and there might be the risk of your cat injuring itself. Even if your cat doesn’t fall in at all, he may become anxious whenever he uses the toilet and going to the toilet can become an unpleasant task.

A litter box also has the health benefit in that you can easier monitor your cat’s urine for signs of infections or sickness.

Moving locations will also be harder for the cat, because a litter box can be moved easily but the cat will first need to get used to using the new toilet. With some cats this is no problem and they can become comfortable with the new toilet very fast, while other cats might be less adaptable.

Things to remember when toilet training a cat:

The most important thing to remember is that the toilet training should be done gradually. Be very patient and never rush to the next step until you are sure that you cat is completely comfortable with the current setup.

Make using the toilet as easy as you can for the cat. Always remember to keep the toilet seat up and the bathroom door open. When you have guests, ensure that they also know about considering your cat. Flush the toilet regularly as cats do not like using smelly toilets.

Claudine du Plessis is a cat-lover and webmaster of http://www.cat-urine.net

Parents trying to decorate a child’s room often settle for far too simple a color palette – somehow, it’s popular to try to turn a child’s room out as if it were a cartoon. Parents like to color everything in primary shades. Is that really necessary though? When you pick childrens furniture to set out your child’s room, you want to go with a sophisticated selection of colors – typically, something that an adult would appreciate, not just a child who’s addicted to cartoons. Even if you do like the primary colors, consider swapping primary blue for a kind soft blue and bright pink for a rosier shade could make for an interesting variation. If you want to design a room that a child might like to keep for a while, you need especially to design a number of color combinations in the room that won’t bore you child (or you), quickly.

People don’t tend to think of furniture as decor for a room. It really can be that though. Consider the effect that bedding in your child’s room can have on the overall decor. The bed is a large surface that can hold a sheet, a duvet and a pillow – all things that can contribute to the decor of the room. Geometric patterns for instance, feel contemporary; cute florals or Disney characters can lend a distinct air of innocence. Choosing childrens furniture, you should probably go with quality stuff that will last for decades. Not that your child will be using them for that long; it’s just that children take strength from the solidness of the things around them in their room. Since your child probably has a lot of stuff – toys, books, clothing and so on, a beautiful armoire should be an important part of your shopping list too.

How does one classify a rocking chair? Is it supposed to be childrens furniture or is it a toy? Either way, parents seem a little reluctant to buy one of these today. They just don’t seem to go well with the kind of decor parents have in mind for their children’s rooms. But there are all kinds of new interpretations of the basic rocking chair design that might well catch your fancy if you would look. Any parent is usually worried about spending a great deal on children’s furniture. They worry that their children will outgrow their furniture really quickly. You can easily buy furniture that is designed to adapt to a growing child – you could buy a crib in fact, that expands to a bed for instance, or a cupboard that turns into a desk. You could also keep in mind that furniture for children doesn’t really have to be purpose-built. If you have a spare coffee table elsewhere in the house that hasn’t seen much use, you can easily bring it into your child’s room to serve as a kind of work surface or a place to display your child’s works of art.

When you buy anything to furnish your child’s room with, make sure that you take your child along with you for the trip. This way, your child will feel a sense of ownership and permanence in a way that can bepsychological asset. And finally, before you actually make a choice, make sure that you consider durability over simple attractiveness. Furniture only looks beautiful so long as it stays together solidly in one piece. Go with quality as your first consideration. Nothing spells attractiveness as much as quality in furniture.

Read more about me at:

Outdoor Furniture Cushions

outdoor cat cages

Every summer, thousands of American kids go to summer youth camps to enjoy not only time away from home, but to learn or experience new things. Summer youth camps have been part of American summers for generations and show no signs of slowing down any time soon. A summer youth camp offers a wealth of possible adventures or learning experiences for kids.

Summer camps can be religious based or adventure camps, swimming camps, horseback-riding camps, or wilderness camps. The sky’s the limit when it comes to the number of activities and duration of camps, and parents can choose from several day, to several week to month long stays.

Most camps offer openings to children seven to eighteen years of age, and depending on location and time of year, anything from cabins to tents to under-the-stars arrangements can be made. Some camps emphasize wilderness skills and camping while others are stable communities that offer swimming, crafts and other base-camp type recreation like tennis, soccer or other sports. Some camps focus on horseback riding or hiking and mountain climbing while others cater to indoor pursuits.

Summer camps offer kids of all ages the opportunity to meet new people, make new friends, and learn skills that they wouldn’t necessarily learn at home. Wilderness skills are a big part of most camps, but others teach different skills. Most summer camps offer a wide variety of activities for all age groups, and camp counselors oversee small groups of kids for each portion of their camp life experience. Most camps offer cabin dwelling in dorm-style quarters, with separate sections for boys and girls, who then come together for meals or group activities or games. Other camps cater to one gender or even focus on particular aspects of a summer camp experience, such as horseback riding or hiking pursuits.

Summer youth camps also offer a way for children of all ages and backgrounds to broaden their horizons and experience new situations, especially when children from different parts of the state or country come together under one roof. City children mingle with those raised in the country, which offers a unique way for each to appreciate different cultures and ways of living.

Most camps also teach children leaderships skills as well as learning how to get along with one another, in addition to learning positive skills in adapting to difficulties or problems. Religious based summer camps offer campers focused religious lessons while a wilderness adventure camps will enable campers to get out and enjoy the great outdoors to their heart’s content.

Camps can be expensive, but good deals are always to be had if you know where to look. If you’re thinking of finding a summer youth camp for your child, make sure you check things like child to adult ratio, camp counselor ratio, first aid facilities, and anything else you’re concerned about. Summer camps offer unlimited choices when it comes to keeping kids happy and entertained every summer, and memories of a good summer camp can last a lifetime.

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 camps.

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

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

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

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

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

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

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

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

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

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

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

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

http://www.annualcreditreport.com

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

And

[http://www.nadaguides.com]

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

Here’s what’s transpired so far:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For additional sources, see:

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

Myth 1: Marketing is a cost, not an investment

When you spend time and money randomly on marketing, then it probably is an expense because you’re not generating a return on the resources invested in it. Many people make the mistake of emulating the marketing tactics of large companies (such as image advertising) that just don’t produce good returns for small businesses. The fact of the matter is that small businesses have to produce BETTER marketing than large businesses because they can’t afford to make mistakes by dropping hundreds or even thousands of pounds/dollars onto campaigns that don’t work. What often happens is that business owners spend lots of money on ineffective campaigns, then erroneously conclude that marketing is an expense, or not worth doing at all.

However, the secret to marketing success is to create a marketing system. A system of activities, strategies, tactics and automation that reliably and predictably create measurable results and positive ROI. I call this the “marketing slot machine”. It’s a slot machine that for every £1/$1 you put in, you get £1.50, or £2 or £5 or more back out. Once you’ve created this system (which requires a small amount of experimentation and testing), you should be able to turn it on and off at will, and invest as much as you can to gain maximum returns.

Myth 2: Marketing is expensive

Marketing is only expensive (and therefore an expense rather than an investment) when it is either unaccountable or ineffective. There are myriad ways to market you business inexpensively that are highly effective, once you know how. The key is to understand the elements or variables that go into each activity or campaign, and how they affect the ultimate outcome. This is where most people go wrong, and that’s why their marketing fails to produce the results that they’d hoped for. Often the message is weak or confusing, it’s being sent to the wrong people, or they fail to follow up. Get the formula right, and marketing can be very inexpensive – I spend less than £100 per month on marketing and I’m getting great results.

Myth 3: Marketing means I have to be pushy and salesy

Good marketing, done the right way is neither pushy nor salesy. It’s a complete myth that pushy, “gift of the gab” people make the best sales people. Why? Because they spend most of the time talking about themselves or their products and then manipulating people into buying from them. Whilst this used to work, and still does occasionally, it often results in buyers remorse and a general sense of uneasiness on the part of the buyer. Much of the time it creates resistance and a feeling of wanting to run for the hills – have you ever felt like that?

Ironically, the best marketers and salespeople are those who listen. They listen to what potential clients are saying and see if there’s a match between what they offer and what the buyer needs. They build relationships and educate their prospects about how they can help them. The art is to get in front of people who have demonstrated a need or want for what you offer, and who will gladly learn more about what you do and how you can help them.

Myth 4: Marketing produces instant results

Some people believe that if they keep running their adverts/campaigns that they’ll “increase their profile”, and somehow, magically one day, a stampede of clients will come rushing to their door. I don’t subscribe to that theory, because I believe that all marketing should produce a measurable result that can be observed in a fairly short time frame. If you’re marketing efforts are not producing obvious, tangible results then you need to look at the elements that aren’t working.

Having said that, marketing is not something you can usually achieve overnight success in. It’s somewhat like rolling a snowball down a hill – there’s a cumulative effect and momentum increases over time. To create the cumulative effect and momentum requires sustained and consistent effort. Marketing isn’t something you do occasionally, and then put on the back burner. It’s something that you need to do constantly, bit by bit, in the same way that a sportsperson needs to train every day to be good enough for the Olympics.

Myth 5: Once my diary is full, I can stop marketing

It’s human nature that once you’ve got some well-paying work you feel rather pleased with yourself, and focus most of your time on servicing your new clients. However, if you have a sales cycle that’s usually more than a couple of weeks long, then you’re going to come a cropper once the project finishes. Because if you don’t continue to do your marketing whilst you’re working on the project, then at the end of the project you may find that your sales pipeline is empty and you have to start up your marketing all over again. It may then be a number of weeks before people start to progress down your sales pipeline towards actually doing business with you. This is what is commonly referred to as the “feast and famine” syndrome.

If you prefer to avoid these peaks and troughs of income producing activity, then you need to think about how you can do a little bit of marketing on a consistent basis. Even better – create a marketing system that easily and reliably entices prospects into your sales pipeline without huge amounts of effort from you.

Myth 6: My business is small, so I don’t need a marketing plan

I tried some marketing plan software once. It asked me a lot of questions about market share, mission statements plus product, price, promotion and place. Great fun, if your mind likes to chew on such imponderables. As a graduate of a business studies degree I knew exactly what it was referring to, but had no idea how that was useful to a small business. And guess what – that’s because it isn’t!

No wonder then, that most small businesses don’t have written marketing plans, when traditional style marketing plans seem convoluted and esoteric. However, this doesn’t mean that a marketing plan in your head is any better. The question is whether this results in any organised activity.

And to me, that’s the essence of a marketing plan – a blueprint for organising your marketing activities. It doesn’t have to be high-falutin’ or fancy, or be filled with marketing-jargon, but what it does need to do is focus resources on specific action steps that need to be taken to achieve specific goals. There’s a world of difference between carrying ideas around in your head, and writing them down into an organised plan of action.

If you don’t have a written marketing plan, then I urge you to consider this: research suggests that businesses that create a written marketing plan increase their revenue by about 30% after having created one.

Myth 7: External marketing help is expensive

If you enlist the help of what I refer to as “traditional” marketing consultants, then it probably is expensive. You’re probably looking at thousands down in one shot, rather than hundreds and probably no guarantees of success. It’s quite possibly a stark choice between taking the family on holiday, or paying for your PR or marketing consultant.

If giving up your family holiday doesn’t appeal, then you may choose to go down the route of taking training courses, reading books, attending seminars, enrolling on e-courses and all manner of other self-study options. The problem with all of this, is that there is rarely any hands-on, customised support for you and your business. And, there’s no accountability – or as I like to say – a friendly kick in the pants to keep you on track. It may also take you quite literally years of trial and error to find out what works for your business. And that’s assuming that you even implement what you’ve learnt, which, sadly, most people don’t.

However, a new alternative has emerged in recent years – marketing mentoring or coaching. Rather than paying thousands to have a marketing consultant do it all for you, or struggling up the learning curve by yourself, you now have the option to work with a coach or mentor who can advise you, guide you and show you how to do your marketing for yourself. Plus they’ll make sure you stay on track. If attracting more clients is important to you, and you haven’t yet created your own “marketing slot machine” then I highly recommend you find a marketing coach who will help you create a marketing system that works for you.

Copyright 2005 Attractioneering

Jane Hendry helps professionals, consultants and coaches to create marketing systems that easily and consistently attract their ideal clients. To get your free Attraction Marketing Starter Kit please visit [http://getclients.co/]

There are many avid skiers who grew up skiing as young children that make those adults new to skiing feel quite inept. Everyone has to learn, even if it is as a child. When thinking about learning how to snow ski, it is important to seek lessons with a reputable ski resort or well known private company that gives skiing lessons for a reasonable fee. Learning how to ski takes effort and practice, but with perseverance, you will be swishing the bunny slopes and aiming for the intermediate slopes in short order.

When learning how to snow ski, the best lessons are the ones given at one of the many reputable ski resorts. Snow skiing is their business and often the best of the best in ski instructors are on staff as such places. At ski resorts, you can choose from group ski lessons or private ski lessons. If funds and circumstances permit, learning how to snow ski through private lessons gives you plenty of one on one time with the instructor at hand to help in the practicing. Here are a few things you should look for in private snow skiing instruction:

• Do you prefer the instructor to be male or female? It does not mean you are discriminatory if you prefer a male or female instructor. It is important that you will be comfortable learning how to snow ski with the private instructor, so pick one that will put you at ease.
• Do you want to learn quickly and hit the slopes with abandon or would you prefer to take it slowly? Some instructors will teach you quickly, getting you out on the slopes safely but quickly as they stand by ready to assist. Other instructors spend more time getting you ready and practicing moves with you before ever hitting the slopes. Both ways can be effective and safe; it is a matter of your personal preference and bravado.
• Lastly, be sure to check and double check your ski instructor’s qualifications. While trusting the ski resort to have done so in hiring the instructors, it is still a good idea to ask when you seek to sign up for learning how to snow ski lessons. Knowing your private instructor is well qualified will help ease your fears as a beginning skier.

Learning how to snow ski is something many aspire to do, to enjoy the crisp cold air outdoors during the snowy winter season. Those who love the outdoors will find ways to be out in the fresh air no matter the season. With so many avid skiers and great resorts, skiing is a fun pastime in which to spend time with friends and family-and meet new fellow skiers as well.

Jonathan loves winter sports. During the winter he sometimes picks up a second job driving snow plow trucks to earn him the extra cash he needs for his ski resort ticket.

You would be loaded with options if you are looking for someone to teach you gourmet cooking. You need to gain all the education that you desire from gourmet cooking also in instruction. You can learn gourmet cooking through workshops or from any of the culinary art professional schools easily without any hesitation.

If you are planning to teach gourmet cooking then you need to acquire fundamental understanding about the history, skills and techniques of gourmet cooking that are required in every process. You may also need to learn the best and effective way to communicate with the students. If you combine all these requirements, you would be able to understand the process in a better way.

Some of the gourmet cooking strategies that would assist you in teaching gourmet cooking are as follows:

1) Use of demonstrations is the best way to provide education to students in gourmet cooking classes. There are many students who can learn in a better way when they see, touch and smell the recipe along with lecture. More the senses involved, better are the chances that students can understand you easily and quickly. Such practical classes also help students to remember the lesson for a longer period.

2) You need to explain the reason behind every act. For example, you should provide reasons as of why are you using this technique when several alternatives are available. Provide difference between the effectiveness of techniques. This would help the students to understand its importance in true sense and help them remember the technique more easily.

3) You should ensure that there is a positive environment where students can be taught gourmet cooking. Once you are able to establish a positive environment in the class, learning would be an enjoyable experience for your students and you would not feel any task a chore that cannot be achieved. Your students would take it as a challenge and try to excel in that. Such attitude is itself a key to successful training and successful students.

You can join variety of classes or invest in workshops to learn skills that are required to teach gourmet cooking. Once you are delivered with right kind of training and educational foundation, you would be able to cook in a specific style of expertise. It is upto the student that he or she uses, loves it, pick it up or not. Still, teaching gourmet cooking properly would divert them towards the right way to prepare a recipe and learn good cooking skills. Therefore, it is important for an instructor to learn all these fundamentals of teaching gourmet cooking before starting his or her teaching career.

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