testfesto.com

Some camps have a targeted focus like religious study, academics, and competitive sports. The variety of camps available today is almost innumerable, meaning there will be some specialized camps that may have availability left even into the summer. Each summer, more than 10 million children and counselors attend day camps and overnight summer camps across the country.

Basically, if you can think of any subject of interest, there’s probably a camp that specializes in it. The more artistically minded might consider arts and crafts, clowning, drama, photography, or dance to be important elements of having a well-rounded camp experience. There are overnight summer camps with a focus on self-improvement, weight loss and grief counseling.

There are overnight summer camps that are co-ed camps, boys camps, girls camps or brother-sister camps where boys and girls may have separate venues and activities. There are four basic types of camps to choose from for your child: day programs, sleepaway or overnight summer camp, day programs with trips, and special needs camps. Special needs camps meet the needs of a wide range of children with disabilities; these camps provide an outdoor summer camp experience along with a therapeutic environment.

Four weeks at a good private overnight summer camp or sleepaway camp will cost anywhere from $3500 to $6500, and eight weeks will range from $4000 to $7000. Although camp counselor jobs don’t usually pay very well, usually minimum wage or less, counselors receive free room and board; many take the job primarily for the camping experience. Try to determine whether the director incorporates a similar philosophy to running the camp as you do in parenting your child or children.

Camp tuition can be expensive; similar to travel insurance, there are now insurance policies for families sending their children to overnight summer camp to cover last minute cancellations, homesickness, medical emergencies and emergency evacuations. The best overnight summer sports camps do much more than just improve a camper’s soccer, tennis, lacrosse, or wrestling skills – they help each child become a more skillful athlete, a more gracious competitor, a more committed team player, and a more confident person.

Visit the camp; you can view campers and counselors in their element, witness activities as they occur, and just obtain an overall feel of the camp, something that cannot be accurately experienced when the camp is closed.

Get to know the camp director from an in-person visit to your home if possible, phone conversations, email or other correspondence. At camp would it benefit your child more if he or she interacted more with the opposite gender? Weight loss camps are for children and teens in order to help them learn about how to lose weight and how to keep it off while having a great overnight summer camp experience.

Most camp counselors are in their late teens or early twenties and are high school and college students on their summer break. Some camps are often called adventure camps – having a very specific theme or interest; many of these programs emphasize skill development and personal growth through the adventures the offer. There are many types of overnight summer camps with a focus on education that cater to students with differing ages and academic interests.

If you spend the time needed to research your options and include your child in all the decisions, he or she will most likely have a memorable experience that provides pportunities to grow while having a lot of fun and making new friends. Look over and evaluate the brochures and promotional materials; read the fine print.Take time to consider what you can reasonably afford. If you think your child may not be ready for a sleepaway or overnight summer camp, choose a local camp in case you end up having to make a late night pickup in the event he or she gets homesick.

For more information on choosing the best overnight summer camp and finding the best sleepaway or overnight summer camp online and offline go to http://www.OvernightSummerCamp.biz a nurse’s website specializing in overnight summer camp tips, help, facts, free tuition resources, including information on overnight summer camp reviews

For millions of people, public speaking is a fear that they cannot overcome. Some experts believe that it is because it is the fear of speaking to peers or people who the speaker perceives to know more about whatever subject they are speak about. This occurs even though to become a public speaker, one needs to be proficient in the subject.

Even the most seasoned public speaker will get butterflies in their stomach just before their appearance. No one is immune to this. It does not matter if you are speaking to a group of a thousand or a group of ten that little knot in your stomach is the fear that you will freeze at the podium or worse.

Studies have shown that the fear of public speaking is not an isolated event. One study showed that forty percent of people were so afraid to speak in public, that they could safely say that they would never consider a position where it was necessary.

There are many studies on this subject. One such study done was a study of fear. When the group in the study were asked question related to public speaking, seventy percent of them agreed that they would only speak in public in a panic situation.

In still another study, eighty percent of those asked responded that they would rather face eminent death before speaking in front of large crowds of people.

It takes a special kind of person to become a public speaker. It not only requires you to have knowledge on a specific subject, you also need to be strong and confident as well as skilled at the art of public speaking.

There are several things that you can do to perfect your public speaking skills if you choose to add this to your career. A good public speaker will create a lasting impression when they speak in front of a large crowd.

When you are a public speaker, you need to be confident enough to deliver a speech that is compelling and convincing whether the audience is large or small. A well-delivered speech does not only make the audience respond favorably, it also make the person delivering the speech feel like they are on top of the world.

Fear is a normal part of life. It is our defense mechanism that warns us upon impending danger. While in most cases of public speaking the danger does not apply, fear of looking foolish in front of great crowds is a normal reaction. Nobody is perfect, and a fear of making mistakes is what keeps millions of people from becoming public speakers.

No one who is a successful public speaker was born that way. Even the most seasoned speaker has had years of practice. There are many places where you can practice speaking; you can practice in front of a mirror, in your car on your way to work, or even in the shower. When you are ready to try your hand at speaking in front of people, use your family as the audience. Practice is the most powerful tool that can use to improve your public speaking skills.

In order to be a successful public speaker, you have to have confidence. This is something that is gained over time. When you practice, you are also building confidence. It is important that you overcome any fear of public speaking. If you give in to fear, it will take away any chance you have of becoming a public speaker. When you overcome your fear, you are effectively eliminating any limitations you may have.

Nobody in this world is perfect. The majority of people who have a fear of public speaking have that fear because they see flaws within themselves. They are afraid that they will fail; therefore they do not even try.

The power of the mind is an incredible thing. If you can convince yourself that you can succeed at public speaking, you are taking the necessary steps to improve your life. Having a positive attitude will only aid in your quest for a successful public speaking career.

Leon Edward helps people improve IQ, focus, public speaking, memory, concentration, creativity, speed reading, time management and reducing stress. Download his IQ Mind Brain Memory Self-Help library at his website http://www.IQMindBrainLibrary.com

Leon Edward helps people improve in Goal Setting, Success, Leadership, Motivation, Self-Improvement, Happiness, Memory Improvement, Stress Reduction and more through his articles, blogs, reports and self-help success roladex-on-line. Visit his Success-Leadership Library, Articles and blog at http://www.AwesomeSuccess.org

Leon Edward Helps people to start, grow and maximize online business income with training articles, reviews, marketing log… ideas and opportunities. Download his FREE Report – How to Find A Solid Home Business Opportunity without Getting Scammed! – Find online business training articles, an internet business in a box, FREE Content , starting a business free ideas, residual internet income opportunities and top network marketing home based businesses… all at http://www.HomeBusinessIT.com

Dog-child interaction is the single most important issue to deal with if you have a child and a dog. Children love dogs but dogs don’t always love children. When you bring home a new puppy, your child should be trained together with your dog. Dog owners need to remember that it takes two to tango. Children aren’t often taught how to treat a new doggy which can make his life a living hell. This is not only torment for your dog but can be dangerous to your child. Never trust your child alone with ANY dog, regardless of how gentle that dog is known to be. A child tends to know just which buttons to press to turn the gentlest animal into a dangerous beast. Most dogs initially feel threatened by a child because they are at eye level, they have high-pitched voices and make vigorous movements. The dog senses that the child is somewhat unpredictable. Dog-child interaction should be monitored in order to make sure that child and your dog are getting along.

What you should teach your child

• Do not let your child hug the dog until the dog-child relationship has developed and they’ve become comfortable with each other.
• Children are accustomed to showing their affection with a hug, but some dogs will tolerate it while others will not.
• Never approach a strange dog without asking the owner if it is o.k. to do so.
• Allow the dog to sniff you before you try to pat him.
• Stay away from stray dogs. A stray dog may carry disease or try to attack.
• Never scream or run away from a dog. This will only start a chase.
• Never run towards a dog or around a dog.
• Never approach a dog face to face. This is threatening to them. Always approach a dog from the side. This will allow the dog-child relationship to develop.
• Never look a dog square in the eyes.
• Never tease or hit a dog whether he’s loose, tied up, behind a fence or in a crate.
• Never play rough games with a dog, such as tug-of-war. This will encourage a dog to become aggressive.
• Never pat a dog on the head. Always approach him under the chin or on his back.
• Never bother a sleeping dog.
• Never bother the dog while he’s eating or chewing his favorite bone.
• A dog is not a toy. Never yank on his ears or pull his tail.
• If a dog poses a threat, teach your child to stay perfectly still with arms at the side, avoid eye contact, don’t scream. If there is no one around who can pull the dog away, have your child use a jacket, schoolbag, garbage can cover, or anything he can find as a shield while backing away from the dog slowly.
• If a dog has knocked your child to the ground, he should curl up into a ball with his hands behind his head to protect his face.
• Never give the dog table food.
• Always play with your dog under adult supervision.
• Always be kind to your dog. This will help develop a dog-child friendship.
• Always protect your dog from harm.

What you should know as a dog owner

• Begin obedience training your dog as soon as possible. Don’t wait til he gets older, it’ll only get harder.
• Never leave your child alone with the dog.
• Never let your child walk the dog alone.
• Never tie up your dog. Provide your dog with a fenced-in space instead.
• Socialize your dog. Get him acquainted with other dogs as early as possible. You should also get him familiar with everything in his environment, both indoors and outdoors. This is key in attempting to establish a great dog-child relationship.
• Reward your dog for good behavior with praise and a treat.
• If you leave your dog in the yard, make sure your fence does not have spaces large enough for a child to stick their hands through.
• Never allow your child to abuse the dog in any way. This will never enable a dog-child relationship to flourish.
• Give your dog a space to call his own to which he can retreat to if he is feeling bothered (such as a crate).
• Do not allow your child to invade your dog’s space especially while your dog is eating.
• Get your dog used to being touched on all body parts. This will make him more comfortable around children.
• Teach your dog to maintain a good temperment in the case of having his food bowl taken away while he’s eating or removing a chew toy from his mouth. This will allow your dog to be more comfortable having a child around when he’s eating or chewing on his favorite toy.
• Teach your child how to properly handle the dog/puppy.
• Walk your dog on a leash. Do not allow him to roam free.
• Keep in mind that just because your dog is wonderful around your own children doesn’t mean he will tolerate other children the same way.
• Spay/neuter your dog.

If you have a dog and are expecting a baby

First off, if you haven’t read the information above this subhead, go up and do so now. The above information will provide you with all the do’s and dont’s in preparing your dog for an addition to the family. If your dog has never been around a child for a long period of time, you will have the next nine months to get him used to it. Dog-child interaction is crucial at this stage.

Invite a niece, nephew, cousin, neighbor, etc. over for a few hours a week (Preferably a child who still wears a diaper. This will get the dog used to baby smell as well).

This idea satisfies two objectives: it will get your dog used to having a child around; and will develop your dog’s behavior in such a way which allows him to have a dog-child relationship with almost any child. Teach your dog how to behave around a child using much of the information discussed above.

Do not wait until the baby is born in order to make adjustments. Try to make as many adjustments as you can before the baby arrives, this way he won’t be hit with all these changes at once. For instance, if you will have to move furniture around to accommodate a high chair or a playpen, this may affect the placement of your dog’s bed and bowl. If so, make this move before the baby arrives. This will lessen the impact it will have on your dog and is less likely to affect the dog-child relationship.

Once you have the nursery set up for the baby, teach your dog that he will not be allowed in the room, at all. If he learns this before the baby comes, it will lessen the dog’s resentment towards the baby.

Get your dog used to the sounds a baby makes by playing a recording of a baby cooing and crying. Play this recording in the nursery in order to indicate to your dog where exactly he can expect these sounds to be coming from.

Make accommodations for your dog for the day you go into labor. He may have to spend hours alone before daddy’s comes home from the hospital.

When it’s time to bring the baby home, have someone go into another room with the dog while you put the baby down and get settled. Then bring the baby out and introduce the dog to the baby. The dog will probably give the baby a sniff or two and seek your attention. After all, he hasn’t seen you in days. At this point, it would be a good idea to put the baby down and spend some time playing with the dog. Show him he’s still loved. This will aid in the development of the dog-child relationship.

Your dog may require some extra attention in the first days of welcoming the baby. This will keep him from resenting the baby for stealing all the attention. Give him your undivided attention.

Allow your dog to be present when changing or feeding the baby.

Never yell at your dog for getting too close to the baby. Allow him to sniff the baby in order to get used to his scent. Make sure this is done under strict supervision. This will help nourish the dog-child relationship.

As the baby gets older, you will teach him to respect the dog and be gentle towards him.

Get your child to help you with dog chores, such as feeding and walking the dog.

Before your know it, a natural dog-child bond will form which will give them a long-lasting friendship for years to come.

Help your child and your dog live in perfect harmony by adhering to these simple rules. Once a good dog-child relationship has been established, this bond will last a lifetime.

If you have trouble controlling your dog, you should bring your dog (and your child) to an obedience class to help you get started.

Nancy Settecasi, Owner of Happy K-9 Dog Care Proud owner of Cookie and Skippy, Cocker Spaniels, Dog lover http://www.happyk-9.com

PHP Development

PHP is an abbreviation of hypertext processor. It is a computer language used to build websites and small applications. PHP language is the basis of PHP website development. PHP is an open source language which is used for developing and designing web pages. When any language is open source, it means that using it and its application is free of cost. You can use PHP development without paying anything to its developers. PHP is a widely used scripting language that are used to create dynamic web pages. It is a general purpose programming language and the code is analyzed and executed by interpreter utility.

Benefits of development in PHP language:

• PHP is an open source language
• PHP development offers best performance at low cost which is very good for dynamic web pages.
• Coding in PHP is very simple and easily understandable.
• PHP language syntax is similar to those of C and C++ languages.
• The framework and structure of its internal designing is very good.
• It is easy to navigate through a PHP developed website
• PHP is an robust and extensive language
• Any changed in the site during or after developing phase can be easily made.
• With the use of PHP Development Company, website can be made rich in terms of functionality. It makes your site more interactive by through scripts.
• It run on almost every operating systems such as Windows, Linux and Unix
• PHP web development is comparatively very cheap and is affordable for small scale businesses and industries that do not require much of security.

PHP is used in some of the core areas such as:

• Custom web development
• Ecommerce solutions
• Database driven websites
• Websites with dynamic pages

Austin Smith works for a web development company where you can get various web development services from the php website development company. It also provides custom software development and content writing services.

Education:

“The act or process of educating or being educated; the knowledge or skill obtained or developed by a learning process!”

Inquiries into furthering my educational aspirations were made to various colleges within my immediate environmental area. Several of the schools contacted required placement exams that I did not challenge, as I am adept and very capable of dealing with college examinations. The thing that got to me was the disparaging remarks from some college recruiters regarding their standards for education as opposed to another college. One of the schools that I’ve attended is a two-year degree school while the other is as well. They hold real estate in the same zip code and competed for students in the same local. They both educated local students as well as out of state and students from other countries and nations.

One school considered itself superior to the other by reason of accreditation. The school that was described as inferior did not have middle states accreditation. The school was described as below standard by the other. The so-called superior school is lead and operated by a non-HBCU affiliation while the other happened to be lead and operated by an African American staff. The self-described superior school has made plans, designs, and did bid for the take-over of the African American school. Albeit, the self-described superior school admits that it does not and will not accept credentials from the so-called inferior school. I have attended both of these institutions and received very good instruction from its teachers as well. While the lessons learned were an invaluable source of information, the education that I received from personal academic research (self-taught) has enhanced my knowledge base. Money was not a factor in my personal research, study, and/or practicum. I would add, the knowledge and information that was derived from the HBCU School proved to be equally rewarding as the other if not better!

Personally, I would say that I received more educational value at the HBCU (Historical Black Colleges and Universities) as opposed to the other collegiate institution. Albeit, they both required money.

When students visit college campuses they are encouraged to become a student at that particular school. The tour guides’ show all of the amenities and accolades that are offered in order to get you enrolled…and to gain your tuition monies. But what about the quality of education offered by the particular schools? The majority of the colleges will often quote their accreditation as compared to another school of choice. What has accreditation to do with a good and valuable quality education? Money! And the ability to make money! Education does not and should not require money! 

In 1899 Dr. Matthew Anderson, an outstanding community leader, and his wife Caroline Still Anderson founded Berean Manual and Industrial School. Dr. Anderson was a pivotal influence in the religious, business, and educational history of Philadelphia. Dr. Anderson also founded the Berean Presbyterian Church and the Berean Savings Fund Society.

Caroline Still is the daughter of the great William Still, a Philadelphia Abolitionist and member of the Underground Railroad.

Mr. William Still (a self-educated man), one of seventeen children, was born in Burlington County in 1821. His father escaped slavery from Maryland to New Jersey and later was followed by his wife and children. William Still left New Jersey for Philadelphia in 1844. Three years later he was appointed secretary of the Pennsylvania Abolition Society.

“When Brother William Still was 23, he left the family farm in New Jersey for Philadelphia, to seek his fortune. He arrived, friendless with only five dollars in his possession. Mr. Still taught himself to read and write. In fact, so well, that in three years he was able to gain and hold the position of secretary in the Pennsylvania Abolition Society. Brother Still provided the all-white society with his views on how to aid fugitive slaves. After all, he had been one himself. He was such an asset to the group, that he was elected chairman in 1851. Still held the position for the next ten years. He also became chairman of the Vigilance Committee in 1852. Still was the first black man to join the society and was able to provide first-hand experience of what it was like to be a slave.”

“Mr. Still established a profitable coal business in Philadelphia. His house was used as one of the stations on the Underground Railroad. Brother Still interviewed escaped fugitives and kept careful records of each so that their family and friends might locate them. According to his records, Still helped 649 slaves receive their freedom. The number is compounded with the number of slaves saved by Sister Harriet Tubman and the Underground Railroad.”

“William Still, a self-educated man, began his campaign to end racial discrimination on Philadelphia streetcars. He wrote an account of this campaign in Struggle for the Civil Rights of the Coloured People of Philadelphia in the City Railway Cars (1867). He followed this with The Underground Railroad (1872) and Voting and Laboring (1874).”

“William Still, a self-educated man, established an orphanage for the children of African-American soldiers and sailors. Other charitable work included the founding of a Mission Sabbath School and working with the Young Men’s Christian Association. William Still died in Philadelphia on 14th July, 1902.”

The Concise History of Berean Institute:

“In 1904 Berean Institute of Philadelphia Pennsylvania qualified for state aid and received a grant of $10,000. Over the years, state aid has enabled the school to expand its services and diversify its programs of study. Funds from the Commonwealth of Pennsylvania now provide a significant portion of the total operating budget. Berean Institute embarked on a program of expansion under the dynamic leadership of the late Dr. William H. Gray, Jr., who utilized the support of many influential citizens of Pennsylvania including the former Governor Milton J. Shapp. Dr. Gray served as Chairman of the Berean Board of Trustees. Under Dr. Gray’s leadership Berean Manual and Industrial School began operating as Berean Institute. He also had Berean Institute’s current building constructed in 1973.”

“Mrs. Lucille P. Blondin, who served the school for forty-five years, became Berean Institute’s first President. Mrs. Blondin retired in June 1993. Dr. Norman K. Spencer was appointed to serve as the second President and Chief Executive Officer. Under Dr. Spencer’s leadership, contracted programs funded by the City and Commonwealth agencies as well as community outreach projects have been added. Hon. John Braxton, former Judge, Court of Common Pleas heads a list of distinguished Board of Trustees members.”

“Berean Institute enrolled students in full and part-time programs. Most of the students are residents of the Commonwealth and live in Philadelphia. Other students have come from Central and South America, China, India, Puerto Rico, Tonga, Liberia, Sierra Leone, Nigeria, Tanzania, the Dominican Republic, England, Cambodia, Viet Nam and states along the eastern seaboard of the United States.”

“A number of students come to learn a marketable skill and their Berean training fulfills their current educational aspirations. Many others regard the school as a stepping-stone to further education. Berean has many graduates who have gone on to earn four-year college degrees and others who have completed graduate studies at some of the area’s outstanding institutions of higher learning.”

The Commonwealth of Pennsylvania’s Department of Education granted Berean Institute approval to award the Associate in Specialized Technology Degree on September 15, 1976, and the Associate in Specialized Business Degree on December 27, 1976.

Again, education is:

“The act or process of imparting or acquiring general knowledge, developing the powers of reasoning and judgment, and generally of preparing oneself or others intellectually for mature life; the act or process of imparting or acquiring particular knowledge or skills, as for a profession; a degree, level, or kind of schooling: a university education; .the result produced by instruction, training, or study: to show one’s education; the science or art of teaching; pedagogics.”

A definition of education: ‘The act or process of educating or being educated; the knowledge or skill obtained or developed by a learning process; a program of instruction of a specified kind or level: driver education; a college education; the field of study that is concerned with the pedagogy of teaching and learning; an instructive or enlightening experience:

Dictionary.com Unabridged

Based on the Random House Dictionary, © Random House, Inc. 2009

So why does another school rate it’s accreditation over and above that of another? Money! Many colleges and universities rate its’ educational values based on the amount of money in its’ coffers as well as the amount of money that they can amass!  Another tool to increase superiority in the education business is to attain and maintain accreditation and as many acquisitions as possible.

Several opinions suggest education achieved through these venues is designed to prepare people/students for the job market as opposed to being prepared for life skills. The skills required to carry ones posterity and their descendants that follow into prosperous futures.

Is it fair to assess the stature of a collegiate institution above any other based on the amount of money that is needed to be spent or the amount of education that is achieved? Ivy league institutions turn out many students who are not prepared for the challenges of life…but many of them are rich and have spent thousands of dollars to attend those schools as well as graduating from them. On the other hand, many poor people that are lucky enough to qualify for grants, loans, scholarships, etc., are better prepared to face the challenges set before them (so it seems).

Many poor and working poor students seem to value the collegiate level education as if their life depended upon it, so they tend to work a bit harder to achieve the degree status. The document can be deemed worthless when the graduate cannot find the desired job for which he/she has studied. It is even worse when the graduated student finds that they are worse off than when they started college. They are now burdened with school loan debt plus the debts that they have had to meet before attending college. Working at McDonalds and the like, seem to be the only job that is attainable for many of them. The competition is fierce. These students are for the most part, grouped in with many applicants that are not college educated and many do not have high school diplomas as well! The knowledge attained is not considered or tested by many of these employers. Kiosk type pictures on a cash-register computer is what they have to work with. Is this not insulting to a student who has studied computer science, read and write computer programs and its languages, as well as other academics of study? 

Why is it that many non-ivy league students find themselves out of work? Why is it that many of them find that they are the first to lose their employment positions compared to their ivy-league colleagues? Why is it that many inner-city college educated graduates find themselves less likely to be selected as team-leaders than their counter part ivy-leaguers? Many employers advertise their openings with statements that don’t require a college level education. They ask that candidates simply have a high school level education. College educated candidates apply to those openings and find themselves scrutinized out of the running, i.e., background checks, credit checks, criminal histories, schooling activities, etc. Why is it college educated candidates find that not only do they have to compete with ivy-leaguers, they have to compete with high school educated folks as well. What is the sense in enduring hours, years, and other sacrifices to attain the coveted two and/or four-year college level degree when you’re not going to qualify for the job anyway? 

The notion of accreditation, money, and notable stature should not be the basis of choosing the collegiate route to education. Education should be based on ones ability to achieve, retain, and utilize education. The achievement of education begins in the home (as well as anyone who desires it). It begins with the Childs’ upbringing and the stressed importance placed by the parent and/or guardian. Should the child be highly scholastic in abilities that enable him/her to be described as intellectually talented above average, that student deserves free college education. While the rest of us who are collegiate material may well have to pay for our higher education. Mind you, my argument is based on the ability to access education without having to spend money…teachers need to earn a living, schools need to pay the costs of operating and maintaining buildings and staff. So the money has to come from somewhere. Albeit, the aforementioned disparages between different colleges should cease the practice of who’s a better institution of higher learning. Is it the responsibility of educated people to enlighten people who are not?

While many may not be aware, education is achievable without attending so-called accredited and/or less accredited schools, of higher learning…start with the libraries in your homes as well as the public facilities, news papers, magazines, shared information, and articles. Why is the education attained by others kept to a level of secrecy that one should have to pay for it?

Attained and acquired education is the responsibility of the educational pursuer…the burden is placed solely on the student not the educational pursued. I’m not advocating that one can become a doctor, architect, or a lawyer by simply reading text…there is a difference between education and training.

Education is yours to achieve and it can be free.

Acknowledgements:

Dictionary.com

Biography of William Still

Biography of the Berean Institute

Children are becoming more like shorter adults as time goes on. They have cell phone, computers, busy schedules and they are also very expensive at times. When you have a child that plays sports, there are quite a few tricks to keep them (and you) on top of your game.

First and foremost, do not allow your child to become a prisoner of their own schedules. Most children cannot handle and do not want to be a part of seven different activities each week. At times this can be from the parents trying to mold their children into something they themselves were unable to accomplish as children or even as adults. Allow your child to express their interests in which sports they would like o be a part of and choose the ones they have talent in or enjoy playing and that fit well into their schedules. Once they are enrolled in the activities it is vital to ensure their needs are being met physically. This means going to bed at a reasonable hour and eating a healthy diet of foods necessary to fuel their sports playing.

Next is time management, what you teach your child as far as how to manage their day when they are young will stick with them for years and as they are adults. If you are always late, it will either annoy your child and they will become someone who is always early or they too will be people that are always late. Do not allow your child to sing up for a team sport and arrive late or miss practices or games as it is not only rude, but the child will not gain the same amount of skill that the others do. It is important to teach your child that what they commit to in sports or anything is life is something they should always follow through with and finish. Allowing them to miss events will only set them for more behavior to miss classes in college and find it completely acceptable, which then leads to missing work and overall becoming a very unstable adult.

While participating in the sports always be sure to encourage your child and not push them. When a parent becomes overbearing toward the child during sports, it gets inside the child’s mind and distracts them from what they are trying to do. It can also be embarrassing to them with their peers close by. Do note ever yell or shout at your child during any sporting events as the consequences can be very damaging. Instead, always smile and they know they can come to you if they need to. Save the criticisms for the ride home and not in a public place that may upset your child. Whether your child is great athlete or not, allowing them to participate in team sports is healthy and a great way to build a well rounded adult in the future. Always be positive and with that kind of support they can achieve anything.

Jesus likes to hike and backpack. He reviews different camping equipment. He has a website where he writes about light weight sleeping bags and two person sleeping bags.

Every Internet Marketer makes mistakes, and those mistakes usually cost you money! It’s important that we learn from the mistakes that we make so that we do not make them again, and so that we can gain insight into where we went wrong. I have compiled a list of the 10 most common mistakes Internet Marketers make. My goal is to help you steer clear of these mistakes in the hope that I can save you some money, and time!

=>Mistake #1 – Using the Content Network

When you start a Google PPC campaign you should always remember to turn the content network off. The reason for this is because you do not want to receive traffic from pages with Google Adsense on them as these pages are many times plagued with click fraud and non targeted traffic. If you are not an expert, you should not be using the content network. I do not use the content network because it can cost you an arm and a leg and produce absolutely zero positive results.

To turn the content network off, log into your adwords account, click on a campaign, then click the “Edit Campaign Settings” button. On the right of the screen “uncheck” the box that says “Content Network”. You can leave “Google Search” and “Search Network” checked.

=>Mistake #2 – Too Many Keywords per Ad Group

Limit the amount of keywords per Ad Group to less than 25 keyword (75 if using broad, phrase, and exact match types). Having more than 25 keywords can negatively affect your Quality Score as the more keywords you have, the less relevant they are to the ad. DO NOT put more than 25 keywords in an ad group unless all keywords are very highly relevant.

=>Mistake #3 – Keyword Grouping

When you put your keywords into an Ad Group you need to make sure that they are all very similar and have at least one common keyword. You will want to use the keyword(s) within the ad title and description as much as you can. Here is an example:

Ad Group Name: Internet Marketing

Common Keyword: Internet Marketing

Keywords: internet marketing, internet marketing book, internet marketing resource, internet marketing guide, best internet marketing book, internet marketing ebook, internet marketing help.

AD:

Internet Marketing e-Book

Learn How to Make Money Online

Top Internet Marketing eBook Review

YourSiteName.com

You can see that the common word has been use in the adcopy and that all keywords have the common word Internet Marketing. This is how to properly set up an ad Group.

=>Mistake #4 – Using only Broad Match Type

To optimize your keywords for best performance and highest CTR you need to use Broad, Phrase and Exact Match Type Options. A common mistake is to only use the Broad Match Type as many people are not aware of the other match types.

Broad Keyword: Internet Marketing

Phrase Keyword: “Internet Marketing”

Exact Keyword: [Internet Marketing]

Use all three keywords within your Ad Groups.

=>Mistake #5 – Low Daily Budget

If you are wanting to achieve high amounts of traffic you cannot expect to do so with a low daily budget. If your budget is $5 / day and you set your campaign to reflect this budget, chance are that you will not achieve much traffic at all. Google displays your ads based on a number of factors including daily budget. If your budget is set too low your ads will barely be displayed at all. We recommend setting your daily budget slightly higher than you are actually prepared to pay, then monitor your costs. It’s very difficult to get any kind of traffic with a very low daily budget.

=>Mistake #6 – Duplicate URL’s

Google only allows one url to be displayed in their search results per keyword and advertiser. If you are advertising the url: http://www.wealthyaffiliate.com, and another advertiser is advertising the same url, only one ad will be displayed. When coming into a new market there is often another advertiser already advertising the url that you would like to. In this case you need to either raise your CPC in order to outbid the competitor, or, create a landing page. Landing pages always convert into sales better as web surfers like to read reviews, comparisons, and opinions about products prior to making a purchase. If you are not getting impressions for some of your Ad Groups, this could be one of the reasons why.

=>Mistake #7 – Keyword Bid Price too High

When you set your bid prices you need to have a limit, and unless you are an experienced marketer and know that your Ad Group / keyword / ad combinations make you sales you shouldn’t bid too high. I know that you are anxious to get some traffic, but paying $5.00 per click is much too high. On that note, paying $1.00 is many times too high. Try to keep your bid prices as low as possible while achieving the best position you can. Do not try to get traffic by simply out bidding your competitors. The idea is to outsmart competitors using relevent keyword groups and in turn you will pay less and see better results.

=>Mistake #8 – Ad Positions are Too Low

When trying to get traffic to your site you need to use the Google Traffic Estimator to help you determine how much you should bid per keyword. Many times if your CPC (cost per click) is too low, your position will be greater than 10 and you will not be on the first page of search results. For best traffic try to be in position 2-9 (on the first page of search results in Google). With this being said, it is sometimes very expensive to be on the first page and you may be forced to be in page 2. This is ok because as your Quality Score goes up, so will your positioning. Try to get on the first page, but if you cannot because of the bid price being too high, don’t worry, you’ll eventually get there by using our techniques to get a better Quality Score.

=>Mistake #9 – Non-Targeted Keywords

If you are advertising a product like WealthyAffiliate.com or Beating Adwords, you may be inclined to use keywords such as:

Marketing, ebook, Affiliate, Money.

The problem with these keywords is that they receive a lot of traffic, which costs you an arm and a leg, but the traffic does not convert into sales. The reason is because the keywords are not targeted enough. If you are selling Beating Adwords, our new Internet Marketing ebook, using the above keywords, the visitors are not necessarily looking for an IM ebook. If someone types in the keyword “Money” they could be looking for help with Microsoft Money, or Currency Exchange Rates. Same with the keyword “ebook”. Someone could be looking for a golfing ebook, or how to create an ebook.

You need to make sure that your keywords are highly targeted to what you are selling. For example: Internet Marketing ebook, or Make Money Online would be better choices to replace the keywords mentioned above. The more targeted your keywords are to your product, the better conversions you will see.

=>Mistake #10 – Too Many Ads when Split Testing

Split testing allow you to run more than one ad for an ad group to see which adcopy (the text of the ad) creates a higher CTR. In other words, which ad entices searchers to click more frequently. Split testing should only be done using two ads and no more. This way you can determine which ad performs better. You want to treat split testing as a contest, or even a competition. The better performing ad gets to move on to the next round, while the lower gets replaced by a new competitor.

Limit the number of ads you are running per Ad Group to 2 ads when split testing.

On a final note: Expensive mistakes can be made easily in the world of internet marketing and there is risk as we learn and take on competitive markets. Having mentors and a strong network of supportive colleagues is important, if not imperative for success. There are more and more poeple logging on every day, and the market continues to grow. However, unless you approach internet marketing with an understanding of the pitfalls and a plan for success, it will be difficult to foster lasting success. Internet marketing, in all its hype, is only a business (not a get rich quick scheme.) All successful businesses must begin with a plan.

Steven Mohrman is an Internet Marketer and member of Wealthy Affiliate 2.0. Wealthy Affiliate 2.0 is an interactive community and learning center providing amazing coaching, support, and tools to its members. If you wish to benefit from 1 on 1 support and coaching for your marketing success visit: http://affiliatewealthpage.blogspot.com/

Perhaps dining out is something you and your family really enjoy doing. After all, it’s a great way to spend quality time together and engage in conversation, and you don’t have to be the one to cook the meal or clean up the mess. But can you really enjoy dining out together and still maintain a healthy lifestyle? The answer may surprise you.

When done in moderation, dining out can still fit in with a healthy family lifestyle. So long as you make wise food choices and keep nutritional value in mind, you can enjoy your dining experiences without the guilt. The following are five steps to guilt-free dining:

Step 1.) Skip the appetizers.

Most restaurant appetizers are high in fat and calories. Rich chip dips, mozzarella sticks, potato skins, and Buffalo wings are tempting, but they should be avoided if you wish to feel good about your food selections afterwards. Keep in mind that at many restaurants, the main course will automatically come with bread, salad, soup, or in the case of a Mexican restaurant, chips and salsa. If you simply must order an appetizer, limit it to one to share with everyone at the table.

Step 2.) Choose your entree carefully.

When it comes to your main dish, pay attention to the listed ingredients. Avoid items with cream sauces or high-fat meats. Pass on fried side items like French fries and onion rings as frying adds additional fat. Consider steamed vegetables or rice as a side dish, or ask for the side items to be left off completely.

Step 3.) Control your portions.

I cannot stress this enough. Whether dining out or eating at home, portion control is perhaps the most important factor to consider when trying to maintain healthy eating habits. When you can, order from the lunch menu since the portions are generally smaller. Also consider asking for a to-go box when placing your order so you can split your meal immediately and avoid the temptation of over indulging. This also gives you a second meal later. Another option would be to split an entrée with your spouse or child.

Step 4.) Avoid alcoholic beverages.

A mixed beverage or beer with your meal may be tempting, but try to limit alcoholic beverages to special occasions. Alcohol is very high in empty calories.

Step 5.) Say no to desserts.

Desserts may be hard to resist, but you’ll thank yourself for doing so. Not only are they very high in calories; they’re generally just as high in fat. If you’re really craving a dessert, make it a point to split one dessert with someone else. That way you’ll only take in half the fat and calories. Of course, on special occasions, it’s alright to cheat a little. Just don’t make it a habit.

Susan is a contributing editor for an online Baton Rouge, Louisiana guide providing information on Baton Rouge restaurants.

How To Obtain Car Insurance For An Antique Car

Many people choose to restore and show antique cars as a hobby. But even these cars need some type of insurance to protect against accidental damage. This is why many people search for car insurance for an antique car. There are many companies available that provide car insurance for an antique car, with many companies specializing in antique car insurance. By having a wide variety of car insurance companies to choose from, the consumer has the ability to choose the right type of insurance for their needs.

Car Insurance Companies

Many commercial car insurance companies can also provide car insurance for an antique car. Also called collector car insurance, these policies are tailored to the car you are attempting to insure. A car insurance representative will take all of your information and discuss different policy options with you to ensure that you are obtaining the coverage that you need. They will also help you decide which types of coverage are within your target budget and which deductible and limit levels you will need.

Purchasing car insurance for an antique car through a commercial car insurance company will give the policy holder peace of mind, knowing that the company that they have chosen to do business with is an established company with a good reputation. The policy hold may also have their everyday use cars insured with the same company. The security of having an established company provide car insurance for an antique car is well worth the premium that they will charge you to provide insurance for your antique car.

Independent Insurance Companies

There are also many independent insurance companies available to purchase car insurance for an antique car. These companies tend to specialize in antique car insurance and will not insure any other types of cars. Some of these independent insurance companies will only insure a particular type of antique car, so if the car you are attempting to insure is a rare one, if may be difficult to find an insurance provider that will insure it. When choosing an independent insurance company to provide car insurance for an antique car, be sure that the company is a reputable one. You do not want to find that after months of paying the insurance premiums that the company will not or is unable to pay your insurance claim.

Finding car insurance for an antique car can be a lengthy and frustrating process, but the benefits of having insurance for the car far outweighs the initial hassle of finding the insurance. Many antique cars are worth many thousands of dollars and that is a big loss if the car is ever stolen or totaled. Having car insurance for an antique car may be the most valuable insurance that you ever purchase.

Peter Bassett runs his own mail order business as well as running several shopping based websites. Check out these excellent Car Bikes And Autos resources or the more specific Car Bikes And Autos.

What are the benefits of sending a child to a traditional summer camp? Should you select a summer day camp or an overnight summer camp?

Positive summer day camp or overnight summer camp experiences can be of tremendous benefit to your child’s development. While at a traditional summer camp, either a summer day camp or overnight summer camp, children learn about themselves, learn to be more independent, are expected to live up to expectations and help out younger campers.

A good traditional summer camp program can help increase a child’s self-esteem, teach them respect for others, enable them to learn self-respect and also learn tolerance of others. Living in a group situation, as in an overnight summer camp, campers learn to accept differences such as race, religious beliefs and cultural differences. Both types of traditional summer camps offer benefits that will help your children grow and mature and broaden their horizons.

When you receive a traditional summer camp’s brochure, you will invariably have questions for the camp director about the camp philosophy as well as that of the director. From that first phone call and/or visit to the web site, you begin developing an impression of what a particular traditional summer camp is like and how it’s run.

A traditional summer camp may be described in nothing less than glowing terms in its brochures. The setting can be absolutely breathtaking. Activities offered by the camp may run the gamut from racquetball to modern dance. In the end, however, it’s the human equation of how those activities are operated and conducted that determines the quality of the summer day camp or overnight summer camp program. Remember the marketing materials for traditional summer camps are designed to make you want to send your child there!

Get to know the camp director as a person through telephone conversations, correspondence and if possible, a personal visit. Have the director describe the camp’s philosophy and how it is carried out by the staff. Find out if you have the option of sending your child for summer day camp or overnight summer camp. Ask how many years the director has been at that camp and also find out the total number of years he or she has worked as a traditional summer camp director.

How Much Is It Going To Cost?

One of the biggest questions facing parents when they consider sending a child to a traditional summer camp is the cost. The cost of a traditional summer camp, whether a summer day camp or overnight summer camp, can be substantial especially if there is more than camp-age child. American Camping Association accredited overnight summer camps and summer day camps offer price ranges to fit every budget. While not always the case, if a non-traditional summer camp is designed for a very specialized group of campers, it may be more expensive than traditional summer camps, which are also often called adventure camps.

The cost of a traditional summer camp per week will probably also figure into how many weeks of summer day camp or overnight summer camp your child(ren) will attend. The American Camping Association reports the among its accredited camps, both summer day camps and overnight summer camps, the prices for a week of summer day camp or overnight summer camp ranges from $75 per week to $650 per week.

There are some ways to save money, even if it is not obvious from reading the camp brochure or visiting the camp’s website.

The first question you should ask is whether or not financial assistance is available to help subsidize the tuition costs. It’s not uncommon for all kinds of summer day camps and overnight summer camps to set aside a certain number of spots for families who might not otherwise be able to afford to send their child to traditional summer camp. If they don’t offer to subsidize the full cost of the camp session, they may pay part of it.

Although scholarships for traditional summer camp programs are usually available on the basis of need, there may be extra unclaimed subsidized spots which the camp will allow your child to fill. You won’t know, though, unless you ask. If you are hoping to receive a scholarship or other type of financial assistance, it’s a good idea to apply early before all the slots are taken.

Another way to save on the cost of traditional summer camp is to find out if special discounts are available. Often summer day camps or overnight summer camps will offer a discounted tuition price for early registration, for siblings attending the same camp, or for signing your child up for a particular session of the summer camp program. Again, if you don’t ask, you won’t know what your options are.

What is included in the tuition cost?

Typically, transportation is included as part of the cost for summer day camps. Resident or overnight summer camps may offer transportation from a central location or may require the campers to be delivered to the campground. If the overnight summer camp program includes trips, movies, laundry service, snack bar, special equipment or other costs, find out if they are included in the cost, if your need to pay a separate additional fee, or if you should send extra money with your child to camp.

What is the refund policy?

Refund policies vary greatly from camp to camp. Some refunds cover only illness of the child, while some will give a total refund if it is requested prior to a certain date. Some camps may return all but a registration or administrative fee and some may not offer refunds at all.

What is the camp’s philosophy and program emphasis?

Each traditional summer camp has its own method of constructing programs based on its philosophy. Does it complement your own parenting philosophy? Are the activities at the summer day camp or overnight summer camp of interest to your child? Many traditional summer camps actively promote competition and healthy rivalry among camp teams, as reflected in team sports. For many campers this is pure fun. Some parents feel that learning to be competitive at an early age teaches essential survival skills. However, other parents and educators are in favor of cooperative learning. Research has shown that noncompetitive methods encourage young people to learn more, retain it longer, and develop greater self-esteem and appreciation for others. Knowing your child’s personality and style of learning is valuable in selecting the right summer day camp or overnight summer camp.

What is the camp director’s background?

American Camping Association (ACA) minimum standards recommend directors possess a bachelor’s degree, have completed in-service training within the past three years, and have at least 16 weeks of camp administrative experience before assuming the responsibilities of director.

What training do counselors receive?

At a minimum, camp staff should be trained in safety regulations, emergency procedures and communication, behavior management techniques, child abuse prevention, appropriate staff and camper behavior, and specific procedures for supervision. Often traditional summer camp counselors are college students working toward degrees in various sports-related and human services fields.

What is the counselor-to-camper ratio?

ACA standards require different ratios for varying ages and special needs. Generally, the ratios at overnight summer camps range from one staff for every six campers ages 7 and 8; one staff for every eight campers ages 9 to 14; and one staff for every 10 campers ages 15 to 17. At day camps the ratios range from one staff for every eight campers ages 6 to 8; one staff for every 10 campers ages 9 to 14; and one staff for every 12 campers ages 15 to 17.

What are the ages of the counselors?

ACA standards recommend that 80 percent or more of the counseling/program staff be at least 18 years old. Staff must be at least 16 years old and be at least two years older than the campers with whom they work.

The number and types of programs a particular traditional summer camp offers may also impact the ages of the counselors. Academic camps and other specialty camps may require camp counselors to have a particular level of education or number of years of experience or training.

What percentage of the counselors returned from last year?

Most traditional summer camps have from 40-60 percent returning staff. If the rate is lower, find out the reasons why there isn’t a higher number of staff who return to work at the camp each year.

How are behavioral and disciplinary problems handled?

Are the behavioral expectations clearly laid out and available to campers in advance? They should also be reviewed with the campers on the first day of camp. It’s also important to know the disciplinary steps that will be taken for violation of the rules.

What is the style and personality of the camp director? How much authority do the camp counselors have? These are all important questions to ask because you want to be sure the camp behavior standards and disciplinary policies are a good fit for your child and your family.

What if a child becomes ill, is injured or has a special need?

Find out if trained medical personnel are resident in the camp at all times, especially overnight summer camps. A nurse or other medical professional will be able to tell if an injury is serious and requires more intensive medical attention. You’ll want a professional available if a child becomes ill or needs medical attention in the middle of the night.

If your child has allergies or is insulin-dependent, there should be a designated place for the medication to be stored in a locked container. It should be administered only by trained staff. If your child requires a special diet, find out if the camp is able or willing to accommodate their dietary needs. The wrong answer to any of these considerations can be potentially life-threatening.

Even a child who has slept away from home in the past may become homesick, or simply have trouble adjusting to the overnight summer camp during the first few days. Find out from the director how homesickness is handled by the staff and let your child know what their recourse is if they feel lonely or have trouble adjusting.

Is the camp American Camp Association accredited? Why or why not?

American Camp Association accredited camps undergo extensive scrutiny and must meet very high standards to be accredited. Accreditation reviewers ask over 300 questions about the camp and staff including essential health and safety issues, program quality and the camp’s overall operation and functioning.

What about camp references?

Every summer day camp or overnight summer camp will sound like a dream when you read the brochure or visit the website. Ask the director to provide you with a list of references including past campers and counselors to check the camp’s reputation.

The information in this article was provided to you by William Lawrence Camp, a summer camp for boys in New Hampshire. To find out more about summer camps, please visit http://www.wlcamp.org.

If you’d like to speak with someone directly, you may also call us 603-569-3698. We’re happy to help you answer any questions about summer camp you may have.

Becoming a professional internet marketing consultant is a

business opportunity that individuals who are well-versed in e-

business and internet marketing may be interested in pursuing. If

you are new to internet marketing, you could certainly become a

professional internet marketing consultant; however, a lot of

preparation is needed because providing professional services as

an internet marketing consultant requires knowledge and

experience with a variety of different types of internet

marketing.

If you are interested in become a professional internet marketing

consultant you should analyze your internet marketing skills,

identify your strengths and weaknesses, and craft a plan for

educating yourself and strengthening your internet marketing

skills in areas that are lacking. Developing your expertise in

the field of internet marketing prior to offering services as an

internet marketing consultant is crucial.

As an internet marketing consultant you will come in contact with

a variety of clients with varying levels of knowledge about

business and internet marketing. Some will be completely new to

business and will need basic guidance from their internet

marketing consultant in regard to basic business matters as well

as entry-level internet marketing concepts. On the other hand,

you may have business professionals who are seasoned in business

and marketing but are clueless about internet marketing. Last but

not least are the e-business professionals who commission an

internet marketing consultant for research, planning and internet

marketing services including management of marketing campaigns.

As an internet marketing consultant you can provide full-service

consultations, or you can target specific internet marketing

areas in which you have gained expertise. Sometimes the latter is

best because not only is there less for you to learn which

enables you to truly provide expert services, but a narrowed

scope of services can also provide a niche market which gives you

potential for developing a thriving practice as an internet

marketing consultant.

Niche areas you may wish to pursue as an internet marketing

consultant include:

1. Market research

2. Preparation of marketing plans and/or business plans

3. Search engine optimization

4. Pay-per-click campaign management

5. Email marketing

6. Viral marketing

7. Link campaign management

8. Ezine advertising

9. Newsletter publishing

10. Distribution of expert articles

11. Media campaigns

12. Copywriting

13. Website development

14. Web hosting

15. Coaching services

16. Training and education

17. Publication of internet marketing books

18. Operation of a subscription service with

information about internet marketing

These are all services that an internet marketing consultant may

offer. The service menu for an internet marketing consultant may

focus on one specific type of internet marketing, a few different

types of services, or full-service internet marketing

consultation that includes all of the suggested services and even

more. While providing some of the service offerings would require

an internet marketing consultant to pursue self-development

opportunities through continuing education and experience, some

areas are easy to master without extensive experience or

training.

When you specialize in a specific area of internet marketing, the

fact that you are specialized can actually build your credibility

as a professional internet marketing consultant. You can also

participate in online forums about internet marketing or publish

expert articles about internet marketing which can position you

as an expert in internet marketing consultant further building

trust and credibility which will enhance your business through

word of mouth referrals.

With the exception of web hosting, no expensive equipment is

needed to provide services as an internet marketing consultant.

To provide services as an internet marketing consultant you will

need access to various resources and publications which will keep

you abreast of changes in the internet marketing industry. Basic

computer equipment and some specialized software may also be

necessary. The most important factor to remember is – to be a

professional and credible internet marketing consultant you must

develop expertise in whichever area of internet marketing you

wish to consult in.

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

I’m not currently a college student. Haven’t been one for awhile…at least in the undergraduate sense of things. But I hang out with college students. I work with college students. And I work full time at a University as the Director of Campus Life (the coolest on-campus job in the world).

Plus…I really like college students.

It’s one of the greatest times in life. When do any of us ever get to hang out with hundreds of friends for four, five…dare I say…six years? It’s like going to camp..except they give you homework and you have to read 800 pages a night.

So if I could sit you down, with a slow drip of coffee being shared between us (intravenously or by the cupful if you prefer), and share some ways that I believe you could not only make the most of your time in college, but really, really enjoy it and succeed at it – here’s what I’d say…

1. Meet people.

One day you’ll walk across a stage, and a very smart looking man or woman in a really nice, long, black gown will hand you a piece of paper that says “Bachelor” (even if you’re a girl!) on it. You’ll graduate from college. Do you know what you’ll remember most?

The relationships you’ve made.

My advice is to meet everyone you can. Be friendly. Smile. Talk to people (not in class…that could be dangerous). Go to places where people hang out and hang out with them. Your friends are what make college special.

Some day you’ll come back to campus as an alumni and the place will feel weird. It will feel different. That’s because all of the people that you were friends with during your college years aren’t there. It’s the same college, but different people. It’s the people that make your experience unique. You are going to make friends that you’ll have for the rest of your life.

Like I said earlier, I work at a University. My boss (yes…he’s smarter than me) is a good friend that I went to college all four years with. It’s been a great relationship for all this time. I don’t know of any other place you create these types of relationships at this age. So get out there. Get busy meeting people.

2. Talk to your professors.

This one continues on with the theme of number 1. Go ahead and do everything you can to meet your professors. Make an appointment with them as soon as it is possible in their schedule. I have discovered that I learned so much more from a professor when I had some kind of personal relationship with them.

Professors are people to. Respect their time and make sure you communicate clearly with them. Don’t waste their time with excuses for not doing the work or simply not showing up to class. The goal here is to establish some type of relationship.

Whenever I think about a subject or content I learned in college it is tied to the face of a professor. If I think of learning German – it’s McKinney; if it’s creative writing – Nelson; if it’s communication – Jackson. My knowledge came from a person more than it came from a book.

One of my favorite movies is Orange County. It’s a story about a high school senior that wants to get into Stanford. He’s enamored with the writings of a certain professor there. When he finally has the chance to meet the professor and sit down and talk with him, it changes his entire perspective. While those types of conversations might be rare in your experience because you go to a large University – seek them out anyway! They’ll be some of the best memories you take from your time in college.

3. If you need help ask for it.

One of the reasons you’re in college is because you don’t know everything. If you can learn to admit that, you’ll be ahead of most freshmen at your school.

Independence messes up most teenagers in that they want to do everything by themselves. So when a moment comes when they can’t do something or don’t know something, there’s an inner struggle. I encourage you to put the pride aside and ask for help.

If you need help in class, get a tutor. If you need directions to the financial aid office, ask for them. If you don’t know how to complete an application for an internship, look for someone who does.

Your school will have people that can proofread your papers, help you learn how to do your laundry the right way, and even give you some good advice on how to stay in shape (because we all need our health!).

Look at it this way: You will become smarter if you ask for help when you need it. If you don’t ask…you’ll remain ignorant. I’m not advocating that you shouldn’t try to find things out on your own. But there comes a time where you’ll discover that learning happens better in the context of “we” and not just “me.” And you might also discover that the best way to meet people is to simply ask, “Hi, would you mind giving me a hand with this?”

4. Get some sleep.

One thing that you have in common with every other person in the world is that each person needs to sleep. If you don’t get enough sleep, bad things start happening to your mind and body. I know this is difficult to hear, and I’m probably beginning to sound a bit parental by saying this, but go to bed.

I’ve pulled my share of all-nighters. I’ve had to study, cram, write, and just get it done. I’ve also stayed up too late because I kept losing at Halo and had to play just one more game. Either way, it messed me up for the next day. My body had to play catch up. I wasn’t sharp. If you string enough late nights together, you are not going to be the learning machine that you need to be.

I know you’re young and invincible. But sleep is so necessary. Research says that a night of sleep deprivation is like being mentally impaired by the legal blood-alcohol level. When you don’t get adequate sleep, you’re body ages faster. Sleep also helps to relieve stress…so if you’re stressed out – you may simply need a good nap.

Ultimately, getting enough sleep is a matter of prioritization. Just because you CAN stay up, doesn’t mean you SHOULD stay up. You need to be mature enough to know when you need to get some sleep so that you can be an effective college student.

5. Get organized.

Everyone needs a plan to accomplish all of the things that are required of you in college. It is extremely easy to start living from event to event, assignment to assignment when you’re neck deep into your semester.

My number one piece of advice for getting organized – get a calendar and stick to it, live by it, and look at it everyday. Now there’s lots of types of calendars out there. I like to use Google Calendar. It’s online and I can access it from anywhere. Since I spend a fair bit of time on the computer, it’s always handy. Plus, I’ve got it linked up to my email and the datebook software on my Palm Treo. But that’s my way. I made a choice one day that Google Calendar was going to be MY calendar. You’ve got to decide and stick with it.

Some colleges will provide you with a paper-based calendar like a planner. This may include dates of important events for your college, key deadlines, and class schedules. If you are pen & paper minded, this may be the route for you. I also recommend the Moleskine planner. It’s smaller and easier to carry.

Once you’ve chosen your calendar, you need to get busy putting EVERYTHING into it. That’s right. Put every assignment, every deadline, every part of your extensive social commitments. Remember, you don’t want to be surprised. It’s a horrible feeling to realize that you had a vital paper due yesterday. At the beginning of each semester, sit down with all of your syllabi and fill in that calendar. Set reminders a few days before big projects come due. This will also help you to see when you will have difficult weeks with lots of obligations so you can get cracking ahead of time.

Now that you’ve chosen a calendar, put all your information in it, you’ve got to manage it. At the start of each week, look over the week ahead. KNOW WHAT’S COMING! If you only look at each day as it arrives, you’ll miss opportunities to be excellent.

That’s the beauty of being organized. It creates space for you to do your best work. You know when something is coming and you make the appropriate time to do your best.

6. Have a lot of fun.

This is one of the best parts of college. You are going to have a ton of fun…especially if you follow the other pieces of advice in this article. College is one of the funnest experiences you will ever have. You are living with a lot of other like-minded people who are in the same situation that you’re in. It’s like Survivor (especially in the school cafeteria), but no one gets voted off the island.

I laughed a lot in college. I liked to hang around people who made me laugh and didn’t take themselves so seriously. There were lots of events to attend. My buddies and I would take some great roadtrips during the breaks. There is a lot of freedom to do a lot of things while you’re in college. I chose to have as much fun as was humanly possible.

The other benefit of having fun is that it makes incredible memories. I can remember some phenomenal pranks that have become lore at the college I attended (I won’t say what it is or my own level of involvement because the statute of limitations has yet to expire). While I didn’t play sports in college, I was an intramural animal.

Also, I don’t want you to get the impression that all of the fun occurred outside of the classroom. When you discover what you’re unique strengths are and land in a major that falls in line with your passions, learning becomes tremendously fun. I can remember projects and classes that I really enjoyed and looked forward to them. I think there were some professors who really made learning fun.

I guess with any aspect of college you can make the choice to have fun or to stress out. I encourage you to choose fun – even in the midst of hard work.

7. Get involved.

During the first semester of college, I joined a fraternity. I had to do some really silly things (I have fond memories of onions and “thank you sir, may I have another.”) to join this group, but it changed my entire college experience. When you arrive on campus, there will be a lot of ways that you can get involved in college besides going to class.

Your college has multiple organizations that are centered around social or academic themes. There are clubs and councils that are always looking for new members. You may have a bent toward student leadership and I encourage you to jump in and apply for those positions. It has been proven that those students who get involved in extracurricular activities have a better college experience. They also have a stronger attachment to their school when they become alumni.

I can remember our graduation day from college. When it came time to announce the valedictorian for our class they introduced a student whom none of us recognized. Now don’t get me wrong here…I want you to do all that you can to get good grades and pass your classes. But for our graduating class – the person with the best GPA was an anonymous person. He wasn’t involved in anything. We didn’t know who he was.

Now hear me out. My GPA wasn’t stellar, but I did graduate with a 3.6 in all of my major classes. Not bad. But I also was the Student Body President, was in a fraternity, joined many clubs, worked Security, and lived in a dorm all four years. I wouldn’t trade that for a four-point-whatever and be anonymous.

8. Handle money wisely now.

Right off the bat I must tell you – watch out for credit cards. It is the easiest thing in the world to get suckered into a credit card offer and start charging things on the plastic. Here’s the catch – you have to pay it all back – with interest.

My advice to you is to avoid the credit card route at all costs while you’re in school. I know that it’s probably unavoidable, so just use them for emergency purposes. Get a card with a LOW limit. Pay those things off every month. If you find you can’t do that, then you shouldn’t be using them. Most college students leave college with debt. There’s the necessary kind that comes from student loans. But it’s really hard to graduate in a financial hole because you have credit card debt.

With the money you do actually have, I think it’s wise to learn how to budget. Start a savings account. Learn how to balance your checkbook and do that every month. Bounced checks are no fun. The goal here is to live within your means. You may not have as much as other students. That’s alright. You are a college student and you’re supposed to be broke.

If you are in desperate need of cash, go to your college’s career center. They typically have a listing of odd jobs that students can do to get some income. Another thing you can do is to benefit from the ability to borrow rather than own. You don’t have to personally have everything, just know some of the people that do. When you live in a dorm, you begin to understand how easy it is to share. I remember that I looked better in my roommate’s sports jacket than he did. Don’t be a mooch. But learn to share what you have with others and you’ll find that they’re more willing to share what they have with you.

If you spend less money than you bring in…you’ll be in good shape.

9. Learn to write well.

One of the lessons I’ve learned from Scott Ginsberg is that “writing is the basis of all wealth.” I think he’s on to something there. I would add that writing is the basis of your success in college. While you are a college student, you will read A LOT. But you will also be required to write A LOT. Your writing skills are a KEY factor in how your work will be perceived by a professor.

You can have the best content in the world, but if you aren’t able to deliver that through good writing, your work will get lost in the translation. I am surprised how many college students can’t spell, don’t know how to structure a sentence properly, and use poor grammar. If you struggle with writing, then I encourage you to re-read #3. You must get this one down.

One of the reasons that I started this site (CollegeStudentsRule!.com) is to help college students become better communicators. If you can write better, your work will be better. If your work is better, your grades will be better. I realize that you may be the best person in your class at text messaging…but those little acronyms don’t hold up too well under a professor’s scrutiny.

Along with writing, I would encourage you to take a typing course. The computer is here to stay and if you are typing with two fingers, you’re wasting time. I think that you should work to be able to type at least 60 words a minute. Faster would be even better. Can you type without looking at the keyboard? This is a skill that won’t only benefit you in college, but in the workforce as well.

One final note on writing well is in regards to proofreading. Please don’t type out a paper and print it out and turn it in. Think in terms of drafts. If you turn a first draft into a professor, he or she will know that it’s a first draft. This post that I’m writing won’t be published until the third or fourth draft. It would be even better if you could get someone else to proofread your work. That person will probably catch mistakes that you can’t see.

10. Get out of the country you’re in.

This is an idea that is becoming more and more realistic in our day and age. At our University, opportunities to study abroad are growing each year. We also offer short-term mission opportunities to other countries. There are so many ways for students to experience other cultures.

Our world is becoming more globally focused. In some ways it’s shrinking. Companies are branching out across national boundaries. Any type of experience you can have outside of your home country will benefit you in your career and perspective on life. If you can get somewhere…go for it. You are young and you don’t have many of the responsibilities yet that could tie you down to your local geographical area.

I understand that some of you may have difficulty (financially or otherwise) getting out of your country. If that’s the case, find ways to learn about other cultures (watch the National Geographic Channel). But nothing beats actually going there and walking on foreign soil and being immersed in another culture.

11. Keep growing.

It may seem obvious to you that you would be growing since you’re in college. But I meet a lot of college students who gain knowledge, but don’t gain growth. I guess I’m talking about maturity. There are many experiences that you’ll have in college that can help you to grow up if you’ll let them.

Current research says that adolescence is being pushed farther out – to the mid 20’s. They are calling it delayed adulthood. Many young adults are simply pushing back some of the major decisions: marriage, career, home purchasing, etc – to later in life. But being young doesn’t mean you have to be immature.

There are many ways to grow outside of the classroom. Life has a way of providing it’s own type of classroom. Each of us has an opportunity to grow emotionally, relationally, spiritually, psychologically, and physically. Take the experiences you have in life and spend time reflecting on how you can use those to become a better person. Growth isn’t an automatic process. It takes work and it takes time. Use these exciting years in college to develop yourself.

It’s exciting to watch Seniors walk across the stage at graduation and remember what they were like when they came in as Freshman. There is so much potential that is wrapped into each one. I love being apart of the process of unlocking that potential during their time in college. That’s why I’ve written this article. If there’s something here that you find helpful, then I’ve succeeded. As with any list, there’s so much more that could be added.

Tim Milburn develops student leaders through his organization, Studentlinc. Please visit Studentlinc at http://www.studentlinc.net. You can subscribe to the Studentlinc blog by following this feed: http://feeds.feedburner.com/studentlinc. Also, check out Tim’s latest project College Students Rule! [http://www.collegestudentsrule.com]

One of the most common applications of embroidery is the customization of sports apparel such as adding logos or names to warm-up uniforms, gym bags, or similar items. When a team customizes their warm-ups or uniforms using embroidery, it creates a sense of unity and gives the team a sharper, more professional look. A significant percentage of customers who shop RobbinsSports.com for sports apparel want to have more than just a blank warm-up jacket or a plain duffle bag. To complete their décor, they know that signing their sportswear with their team’s logo is imperative. However, especially for those who have been given the charge of outfitting the team for the first time, the details of what’s involved in adding embroidery to their order are not clear. Here is some helpful information for understanding the process and the pricing for adding customized embroidery to your next sports apparel purchase.

Artwork

If you just want to add personalized names to the left chest of a jacket or to the side of a gym bag, you won’t have to worry much about artwork. However, if you need to have a logo (usually these are done as left chest or full back arrangements on jackets or placed on the side or end of a duffel bag) added to your sports apparel, you should come prepared with a digital copy of the logo you want to use. Most embroiderers charge an artwork fee for any significant changes they have to make to your logo to get it ready for digitizing (see below). If you want your embroiderer to start from scratch to create your logo, be prepared to pay about $100.00 or more, depending upon the complexity of the logo you want.

Digitizing

Digitizing involves transforming a digital image into a file that can be read and interpreted by an embroidery machine. Typical charges for this are about $10 per thousand stitches. So how do you know how many stitches your logo has in it until you get it digitized? Most digitizers can give you a pretty good estimate before they begin digitizing your logo. Getting an estimate on the cost of digitizing your logo will help you keep your expenses within the range you expect when you actually place the order.

After you have had a logo digitized, be sure to keep a copy of it on file for the organization you’re representing. Doing so will enable the team to avoid the digitizing expense when placing future orders. Digitizing can become expensive quickly, especially if you are only placing an order for a small number of uniforms, so it’s obviously best to try to avoid that overhead.

Pricing

Pricing with embroidery is most often done based upon the stitch count of your logo, which determines the time it takes for any particular embroidery machine to complete the logo. Usually embroiderers give price breaks according to the quantity you are ordering. Of course the pricing varies from one company to another. Here are some benchmarks. If you want to have a left chest logo put onto a typical windbreaker jacket and you are ordering twelve of them, you’ll likely pay about $5.00-$6.00 per embroidered logo for logos that are under 7,000 stitches. If you are ordering less than that quantity, you may find that your embroiderer charges a setup fee as well. Pricing beyond 7,000 stitches usually goes up on a per thousand basis. You can normally expect to pay an additional $0.50-0.60 per thousand stitches beyond 7,000.

For an order of hundreds of jackets compared to just ten or twelve, you should get a price break from your embroiderer. Most companies will go down to a threshold price (say for instance $3.00 per logo for a 7,000 stitch logo) based upon a certain quantity – say 200 articles. Beyond that number of embroidered logos, the pricing will stay the same no matter how many more you have done.

Lead Times

We find that many of our customers contact us in a rushed hurry, often times asking for miracles. Many times we are able to meet their demands. However, to be a preferred customer, it is best to allow one and a half to two weeks for your order to be embroidered and delivered. Most embroiderers don’t keep an inventory of all the products listed in their catalogs, so you need to plan a few extra days to have those shipped from the manufacturer to your embroiderer. Planning ahead can save you and your embroiderer a lot of headache and stress.

Richard Robbins is one of the owners of Robbins Sports, a retailer of sports apparel and accesories such as gym bags, sports uniforms, and warm-up outfits.

Television has taken on an entirely new look and feel, even in the past decade. What was once an industry based on three major networks with very limited programs in the 1950’s has erupted into many major networks and thousands of cable channels available throughout the world in every imaginable language. Television has truly become a three-dimensional experience for producers, directors, project coordinators and other professionals in the industry, not to mention a multi-dimensional experience for viewers. With a variety of genres and styles of programming available, from news programs and specials to different types and lengths of commercials, sit-coms, dramas, reality programs, game shows and countless others, being someone involved in television production is both wrought with opportunity and teeming with challenges.

Finding inexpensive background music and production music for television programs can be much more difficult than finding it for other types of media projects because the medium is so diversified and so societally pervasive. As a director or producer of television programs looking for ear-catching television music for your show, you have to be very cognizant of not only your target audience, but also what you are up against in your allotted time slot. Sometimes whether a show succeeds or fails has nothing to do with its quality. Success in television programming has more to do with what you are up against and the time and day your program airs. If you are producing a talk show, for example, you might be on at the same time as more than five or ten other talk shows. Or your program might conversely be when no other talk shows are on television, but at a time when typically people are more likely to watch news programs, Sit-coms or other types of programming.

Still, choosing the right television music can certainly help you make the most out of your particular project. Again, because of the diverse nature of television, there are many different types of production music and background music to choose from. There is music for commercials, music for dramas, music for news programs and specials, music for sit-coms and many others. As a producer of a television show, you probably also will have to consider how your music will blend in with the music of commercials that might air during your broadcast. Because the line between commercials and programming has been blurred, starting in the 1960’s commercials have become an integral part of all television shows, sometimes not only on network television but also on cable television. Before the mid-1960’s, commercials used to have to be signaled in all television programs by an announcement that they would begin. Similarly, announcers were responsible for signaling the return of the regular program. Now, there is not always any clear sign where the show ends and the commercial begins or vice versa. It’s all about the timing.

Because Copyright Law has become stricter to account for the proliferation of diverse recorded music, finding and affording production music and background music for television programming has been further complicated. Before the 1980s, music in commercials and even on many television programs was limited to jingles and transitional music, most of which was instrumental or with very brief and simple vocals. Occasionally lyrics to popular music would be changed to fit a particular product or the theme for a show, a phenomenon that would not work easily or cheaply under today’s copyright standards, and didn’t come inexpensively then either. Still, while some pop and rock songs were re-recorded for television programs and commercials, the cost of licensing original recordings was very daunting until the late 1980s when it became more doable.

Today commercials use many popular songs as background music and production music, and many programs, particularly those geared towards young people use popular music regularly in an effort to promote burgeoning music groups. Television has become such a cultural phenomenon and a showcase for music that many shows, including “Dawson’s Creek” and “The O.C.” have even gone on to put out music compilations based on music heard in episodes of the show throughout specific seasons. Previously, songs were often used without artist consent, but thanks to stricter Copyright Law this is no longer a possibility. Still, most artists are willing to accept often high payment for use of their songs in popular television programs and enjoy the exposure they get as a result to very specific markets made up of people that will buy music they make in the future.

Using popular music in television programs and commercials can be incredibly expensive for the typical producer and director. Whether your show is a hit with a large budget, or a smaller show just starting out, you want to make an impact musically at minimal cost, as there are so many other elements to consider in the production of television projects. Fees for use of popular music can total thousands of dollars, and when you multiply that by how often you will probably use songs as themes, production music, background music and other incidental elements, the numbers can add up quickly. But, even though you want to save money on television music, you certainly don’t want to skimp on quality.

What are your options when it comes to production music and background music for your television projects if you want to build a collection inexpensively and still honor the spirit of your project?

As a producer or director of television programs, you most likely travel in circles of artists and musicians. You might know some good composers or bands, or people you know might know some that would be happy to help with music for your project. Because of the almost culturally invasive nature of television, most struggling musicians or composers would not object to helping you out with your project in exchange for exposure and the chance to work on something beyond the norm. Many bands have been launched when their song was chosen as a theme song for a television series, and many composers have broken into the film, television and music industry after working on scores for television programs.

Finding under-appreciated talent in your network is a good option and often one that could help get you a deal on production music or background music, but it is by no means a simple solution, nor one that is long-term. If your show is a hit, or your theme song or the band that sings it is a hit, you will be morally, if not legally obligated to pay more for the music you are using. This either leads to the same problem you had before of expensive music or back to square one, looking for inexpensive television music.

Another option for inexpensive production music, and one that more producers and directors are choosing every day, is royalty free music provided by reputable music companies. Choosing royalty free music allows you access to a catalog of music in varying styles and can be downloaded directly from a centralized royalty free music company website online. Well-known companies such as Royalty Free Music.com give you music libraries with songs you can add permanently to a collection. This means you can build your own store of production music and use it in present and future projects. And because of the nature of the music, you just pay a very low upfront fee to satisfy all aspects of Copyright Law.

Television production gets more complex as time and technology progresses, but directors and producers will never lose the ability to control what production music and background music fits best with their projects. Television music is critical to keeping a program or a commercial at the top of its game, and helps communicate important themes to viewers. As a producer, director or project coordinator, the musical choices you make are some of the most important decisions.

Many people with a fat wallet and a large bank account find themselves pondering what they can spend all their money on. Answer is a brand new sports car that can run the quarter mile in under 11 sec that’s what I would spend my money on.

Here is how to look at buying a brand new sports car, the good ways and the bad ways.

People who are obsessed with sports cars can find every reason why to buy one and every reason why they shouldn’t own one. Some of these pros and cons are listed below.

Sports cars not only fit the lifestyles of the rich and the famous but with every person with a bit of money and wanting to spend it on a nice ride. Many of these sports cars come stock with horsepower going over 500 some with way more like Lamborghini’s or Porsche’s.

Small sporty convertibles will depreciate in value of the years and will get down to worth less then when you bought it. This really depends on the car; Corvettes from the sixties are worth way more now than they were then.

People who love spending all their money on these types of cars can choose between coupes or convertibles I personally like imports over anything I would take a Supra over a high end sports car today. That is a turbo Supra of course.

Most sports cars with an automatic transmission, like most other vehicles, will be worth more than the ones with a standard transmission. There are some exceptions with true sports cars and with sports cars that really need the ability to benefit from the torque that comes from using a manual transmission.

A lot of sports cars are prone to having problems, some of their parts are exotic and may be hard to find. When or if you buy a sports car never expect to get back what you paid for it. These cars are just another way to get around. Many become garage babies and are never run.

Of course driving an expensive sports car means paying a lot more for gas because they usually have the motor with a v-8 or v-12 which will get you about 15 miles to the gallon if you are lucky. This is also a good reason why more people should drive an import, good gas mileage plus high performance.

On the other side of the table though sports cars are already fast when you buy them, but like they say you can make a car as fast as your billfold is fat. That is the beauty of imports, over exotics. If you don’t have the money for a 300k factory vehicle you can always spend a tenth of that and have one probably just as fast with the right mechanic.

Gregg Hall is an author living with his beautiful wife and family in Navarre Beach, Florida. Find more about drifting as well as car care products [http://www.waxyourauto.com] at [http://www.waxyourauto.com]

Florida residents that are self employed and looking for health insurance have a number of options available to them. Be aware that depending upon your health, your age, and other factors unique to your particular situation there is no hard and fast rule as to which option is best for you. However, there are some general guidelines that will help you make the best Florida self employed health insurance decision.

The first Florida health insurance option available to the self employed is to simply apply for an individual health insurance policy. The benefit to applying for an individual health insurance policy is that individual health insurance rates in Florida are very competitive.

The downside to attempting to purchase an individual health insurance policy in the state of Florida is that you must be healthy. According to FL law, a health insurance company can decline your application for an individual health insurance policy based on prior medical history (pre-existing conditions), height and weight restrictions, and other health related criteria.

That means if you have cancer, diabetes, weight problems, or a host of other physical ailments then you will be denied coverage with a Florida individual health insurance policy. (Any unscrupulous agent that tries to tell you other wise is misrepresenting whatever product he or she is trying to sell you as health insurance when in fact it is probably a discount health plan or a health insurance indemnity plan with very limited coverage).

The second Florida health insurance option available to the self employed is to apply for a Florida group health insurance plan. In Florida, any group of 2 employer/employees or more is considered eligible for a Florida small group health insurance. (If it is just you: 1 self employed person functioning as a sole proprietor in the state of Florida then you have a different option open to you – see option 3 below). The benefit to applying for a Florida small group health insurance policy is that that certain health issues that can signal an automatic decline on the individual health insurance side will not signal an automatic decline on the group health insurance side.

The downside to attempting to purchase a group health insurance policy in the state of Florida is that it can be very expensive. Think of it in terms of: the more potentially unhealthy people that the insurance company has to give health insurance to (group health insurance) the higher the premiums will be as opposed to where the insurance company can pick and choose who they will accept for health insurance (individual health insurance).

The third Florida health insurance option available to the self employed is for those that are functioning as a sole proprietor. Florida self employed sole proprietors can apply for a Florida guaranteed issue small group health plan. The Florida guaranteed issue small group health plans has an open enrollment period only during the month of August.

Florida self employed health insurance can be a somewhat tricky area to navigate without the help of a licensed independent Florida health insurance agent. There are also many different ways to save money in taxes – one of which being the ability to deduct your health insurance premiums paid on Schedule C of your tax return against and up to your Schedule C income (Meaning that even if you don’t itemize [Schedule A] you can still deduct your health insurance premiums paid all the way up to your Schedule C income!).

Get free health insurance quotes by comparing all of the top health insurance plans in your zip code – in less time than it takes to brush your teeth!

Comparison shop multiple insurance companies instantly and in real time by viewing free Florida health insurance quotes: Aetna, Humana, United Healthcare and more.

Request help from the Florida self employed health insurance experts (CPA, Certified Financial Planner, and licensed Florida independent insurance agents) by visiting Real time Health Quotes.

Skiing is one of the most exciting adventure sports which have become quite popular in India. Firstly introduced by the Europeans, it has now gained immense attention and has now emerged as one of the most loving and thrilling sports for the adventure enthusiasts. The wonderful and diverse land of our country is blessed with a plethora of ski destinations such as Jammu and Kashmir, snow capped hill ranges of Himalayas and the North eastern states which have become the favored skiing resorts for the adventure lovers from India and abroad.

Skiing is mainly a winter sport when the snow clad slopes of mountain ranges in India add to the thrill and excitement of the avid skier and ignite the adventurous spirit and power in his heart to enjoy this fantastic adventure. In India, Gulmarg is a famous skiing destination which captivates a lot of tourists in winters to enjoy skiing. It is in fact the beginner’s ski hideout providing sufficient skiing equipments and facilities where you can enjoy some of your best time while skiing down the snowy slopes.

Auli in Uttaranchal is also a great skiing spot endowed with snow dressed slopes and evergreen forests. Located at a distance of 16 km from Joshimath, Auli offers fantastic opportunities for cross country and snow hill-skiing. It also organizes the National Winter Games Championship every year. Some of the scenic spots of Dayara Bugyal and Mundali in Garhwal district also provide fabulous ski slopes for the beginners and professionals in the lap of snow capped beautiful Himalayas.

The state of Himachal Pradesh in India is endowed with majestic silvery mountains and snowy slopes abounding with panoramic landscapes and breathtaking natural beauty. There are the world famous destinations of Kufri, Manali and Narkanda which offer excellent natural snow slopes and facilities to make you dip into the superb pleasure of snow skiing.

Thus, the amazing hill stations of India are packed up with vast snow clad slopes and unexplored valleys and glaciers making it one of the favored skiing destinations for the adventure seekers all over the globe. So, what are you waiting for? Just pack your bags and get ready to explore the wonderful snow lands to zoon into with your skies.

A media professional, traveler and a writer.

It is important to know how to bathe your cat. Cats generally to a fine job cleaning themselves, however, they my need a little help from time to time. In this case, it is important to know how to properly give you cat a bath.

Giving a cat a bath can be a little trick since most cats are not fond of water or getting wet.

There are dry bath products available on the market today to avoid the traditional bath altogether, however these products are better used to keep your cat clean and healthy rather than get them clean after a roll in the mud.

The dry bath products are generally a leave in treatments great for eliminating odor. A dry bath is a great idea for keeping you cat clean. It will usually not effect their current flea treatment because no water should be needed to wash it away. Always read the labels before using these products. They are safe to use on cats, but may contain different ingredients that you or your cat could be allergic to.

Dry bath products are great, but what do you do when your cat homes home late at night, covered in mud, paint, or something incredible messy and possible toxic? Lets face it, cats get into trouble sometimes.

You probably won’t want to let them come in the house and lay on your floor or furniture, and, unless you know what your cat is covered in, probably should not let them sit in the mess all night, or try and clean it themselves. You should never let your cat ingest a foreign substance if possible.

When this happens, hopefully on a rare occasion, you will want to know how to give your cat a bath.

If you’re very lucky, this may not be much trouble. Your cat might like the water. But if you have a normal cat like the rest of us, things could get pretty interesting.

When you’ve decided to give your cat a bath, you should get them a special kitty shampoo. The regular shampoo you use everyday may have harsh perfumes or chemicals that could be harmful to your cat. If this is not available, try and do the best you can with just water in an emergency. It may not be as easy, but this should get most of the muck out of your cat’s fur.

By this time you should be well aware of your cats temperament. You will know if your cat will fight you and how hard he or she will fight to get away from bath time. So take every precaution necessary to protect yourself and your cat. After all, most cats are equipped with an effective defense. Claws!

If you have a leather jumpsuit or bird handling gloves, then you’re set. Of course, most of us don’t have these types of armor and they are not necessary to get the job done. Rubber gloves are suggested, but long sleeves are a must! Personally, I’ve found that a thick, durable fabric like denim or even a thick cotton work just fine. Just make sure, what ever you wear, that it can’t be penetrated too easily by your cat’s claws.

The size of your cat, and intensity of his or her frenzy, should determine your bath space needed. You may be able to get away with using your sink for small cats and kittens. If not, use your bathtub and keep all doors closed. If you have a glass shower door, it’s not a bad idea to climb into the tub with your cat and keep that door closed too.

Stop! Before you throw you cat into tub of water, remember they will, most likely, be frightened.

When you attempt to give your cat a bath, chances are, your cat will know that something’s up even before you begin. Your cat may be frightened by the sound of running water, or the splashing sounds in the tub or sink. It’s usually not the best idea to run the water over your cat like a shower. This could startle your cat and cause him or her to spring into action and try to run away from it.

The best way I’ve found is to draw a shallow bath and have a cup handy to pour water, slowly onto your cat in order to wet him.

Maintain control! You are the master of your domain and don’t let your cat think otherwise in this situation. While hogtying your cat is not recommended, you will need to restrict his movement somewhat. This might take the effort of two people for unruly cats and may take some force. Whatever you do, please don’t hurt your cat!

Once you have control of your beast, and the water is ready, complete the procedure as quickly as possible.

Wet your cats coat thoroughly and lather him up with his own special shampoo. Do the best job you can; don’t forget the feet, tail and stomach. Always use extra special care when washing your cats face! Shampoo may not be needed in this area, and be very careful around his eyes.

Once your cat is soapy, start to rinse. Using the same, gentle pouring motion with your handy cup and the water in the tub rinse your cats fur. You may want to have a reserve of fresh, clean water for rinsing. Try and use your fingers to break up any matting and wok through thick coated areas. Rinse well, drain the tub, and you are almost done.

Now it’s time to dry your cat. Drying your cat shouldn not take as much effort as it seems. You will not be able to get him completely dry, so do your best and your cat, and time, will gladly finish the job.

When you let your cat out of the sink or bathtub, keep him in the area. Your cat will most likely want to shake first, just like dogs, and then gently, but with enthusiasm, rub your cat with a towel to rid him of excess water.

Your cat will begin to lick himself dry. You can them leave your cat in the bathroom until he’s dry, or let him out whenever you feel is best you, your home, your furniture, and your cat.

In order to simplify this process, here is a step by step guide on How to give a cat a bath:

Get cat shampoo

Suit up! Protect your body from potential injury.

Draw a shallow bath (warm, not hot or cold)

Restrain your cat

Wet

Lather

Rinse

and Dry

The last thing you should know before giving a cat a bath is not to be intimidated. It may not be as simple as one, two, thee, but it’s not impossible and you’ll both feel better when it’s over.

Angela Coyle is an avid cat lover, and owner of Hercules the cat, Murteza Abyssinian, Mango, and many others throughout the years. She is also currently an editor at http://www.cat-care-cat-information.com

Standard furniture is unsuitable for young children; it can be uncomfortable and even dangerous so if you have a baby or a young child around the house you will definitely want to invest in some purpose built children’s furniture. 

There are many pieces of furniture available on the market for children. Here is a brief rundown of the main things you should purchase to cater for your child.

 

A cot and mattress is one of the first things you’ll need. It is essential that your baby or small child gets a sound night’s sleep and you’ll want to ensure that they are safe at night. Cots provide a contained environment and prevent your child from accidentally rolling out of bed or wandering around the house at night.

 

It’s best to purchase a new cot so that you can be sure it conforms to the latest safety standards. Mattresses come separately and you’ll want a comfortable spring mattress which should fit into the cot snugly. We offer a range of cots and a quality mattress to fit.

 

You’ll want your baby or toddler to sit at the dinner table with the rest of the family and the best way to cater for them when they are very young is to purchase a good quality high chair. We offer a range of high chairs which have a crotch strap to ensure your child doesn’t slip out and rounded corners and edges for safety. We also offer adjustable high chairs which you allow you to adjust the height of the seat and foot rests to make your child comfortable and extend the life of the highchair as they grow.

 

When your child gets too old for a high chair but they aren’t yet big enough to sit at the table with the adults then a child size table and chairs can be a great solution. These can also provide a great play surface for your children and save your good table from becoming messy or damaged. We offer a wide range of high quality, durable tables and chairs which wipe clean easily and come in a variety of materials and colours. 

 

For child safety when playing around the house you should consider purchasing safety gates for doorways to restrict their access and also playpens which you can use to make sure they are safe when you have to leave the room briefly. We offer a wide range of playpens in various materials and colours and we also offer safety gates.

 

Children’s furniture isn’t all about functionality and practicality though and you may want to consider investing in some play furniture for your kids to spark their creative minds. We offer a fantastic hexagonal sand pit, am activity pond for water play and an easel which will aid the development of your budding Picasso.

 

Whatever your children’s furniture needs at our site you can find a wide range of products to order online. Delivered direct to your door these easy to assemble pieces offer terrific value for money and conform to safety standards so your child can eat, rest and play in safety.

childrens furniture

nursery furniture

In today’s fast paced world, business owners don’t often have the time to thoroughly check out the companies they rely on to provide goods and services. In many cases, a determination of product/service quality can be made at the time goods are delivered or services are rendered. If goods or services do not meet expectations, there is often an immediate remedy available. For example, poor quality goods can be shipped back to the supplier and/or payment for services can be withheld until services are satisfactorily rendered.

Unfortunately, business owners do not always purchase items that are tangible items, in the sense that they can immediately determine the quality of the goods and/or services at the time of purchase. One example of such a purchase is health insurance. Since health insurance is not usually used immediately after purchase, the quality of care or the legitimacy of the policy may not even come into play until the business owner, or a family member, actually needs to have medical treatment. This is one of the primary reasons that many companies, often appearing legitimate, can get away with selling bogus health insurance coverage to unsuspecting business owners.

In most cases, fraudulent health insurance policies are sold to business owners by telemarketers or “agents” through bogus Associations and Unions. In that, the buyer must join a professional and/or trade association or become a union member to qualify for health insurance. In fact, in a study published by the U.S. General Accountability Office (GAO) in 2004, the GAO found that association schemes ranked at the top of the marketing methods followed by bogus health insurers. According to the report, “Employers and Individuals Are Vulnerable to Unauthorized or Bogus Entities Selling Coverage, between 2000 and 2002, the U.S. Department of Labor and state insurance regulators identified 144 unauthorized entities selling health insurance unlawfully. These entities defrauded 15,000 employers and more than 200,000 policyholders out of $252 million.”

However, it is important to mention that many individual and group health insurance products are endorsed by reputable Associations, such as the ARRP and the American Bar Association and, many reputable Unions, such as the AFLCIO and the Teamsters. These organizations have long been recognized for bringing a common class of professionals or citizens together for other purposes that have very little to do with health insurance. Membership commonly includes a wide range of other benefits in addition to discounted health insurance. Typically, the organizations have a governing organization, a constitution and bylaws, a set of officers, voting rights, regular membership meetings and a professional code of conduct.

Unfortunately, most individuals do not find out that they were making hefty monthly payments or premiums to fraudulent Associations or Unions until they have a severe condition that requires medical treatment. Usually, it isn’t until after they receive treatment that they receive notice from their medical provider that the claim that was submitted to the insurance company was denied and that all the medical charges that were incurred are now their responsibility.

Often, the scheme starts when business owners are contacted by telephone or approached by someone who claims to represent a certain, official sounding, Association or Union. The business owner is then informed that if s/he becomes a member of the Association or joins the Union, s/he could qualify for a low cost group or individual health insurance plan. Typically the Association or Union is promoted to represent self-employed individuals and small business owners. The low cost health insurance is usually presented as one of the many “perks” that the business owner can qualify for, in addition to many other “member” benefits, like discounts on other services, such as dental, eyeglasses, office supplies, hotels, rental cars, etc.

In many instances, these bogus companies involve licensed health insurance agents to sell their fraudulent health insurance products. Sometimes the “agents” know the products are fraudulent, other times, the “agent” also falls prey to the scheme. Often, the schemes prey upon consumers who have been previously declined insurance coverage or suffer from a pre-existing condition. Since these consumers have very limited options to purchase private health insurance coverage, the benefits of an Association or Union membership that offers health insurance coverage for a “membership fee” or “union due” is enticing. To the unsuspecting consumer that has a pre-existing medical condition or is paying high premiums for coverage, the “membership fee” or “union due” is a small price to pay for what they believe will be a quality health plan that provides “guaranteed” coverage with no “pre-existing condition exclusions” and no “waiting periods.”

In many circumstances, the print materials that are left with the consumer are very well designed, however, the majority of the time, the language in the “health plan brochure,” if there is one, is very unclear. The literature may name the entity that is authorized to act as the health plan administrator of the plan, but neglect to name the actual insurance company that is providing the health insurance coverage. Unfortunately, it is often difficult for the consumer to separate the illegitimate companies selling official sounding health plans from the legitimate ones. Typically fraudulent health plans have many commonalities.

Here are 10 “Red Flags” that may indicate health insurance fraud:

1. The “agent” is not a licensed insurance agent but an “enrollment” or “membership” coordinator.

2. The term “discount plan” is written in the product literature, but the term health plan, health insurance or policy is frequently used by the plan promoter. Discount plans often provide nothing more than a discount for medical services, such as prescription medications, eyeglasses, dental, etc. These plans are not designed to offer major medical health insurance coverage.

3. The official sounding “Association or Union” is one that you have never heard of before.

4. The plan is referred to as an ERISA plan. The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that allows employers to set up employee benefit plans for employees and their dependents. ERISA plans are not subject to state regulation and are not regulated by the state insurance commissioner. ERISA plans are normally not sold as health insurance, but are instead, established by employers, unions or groups acting on behalf of employers. Therefore, unsuspecting buyers believe these plans actually offer health insurance coverage, when if fact, they do not.

5. The buyer is told that the “membership fee or union dues” includes the health insurance premium, but there is no mention of the word “premium” in any of the plan literature.

6. The plan offers “guaranteed” insurance coverage with no exclusions for “pre-existing conditions” and no “waiting periods.”

7. The plan is significantly cheaper in price than other health insurance plans.

8. The term “reinsured” is used in regards to the plan. Reinsurance is something insurance companies buy to protect themselves against their own risks. It is insurance for insurance companies. Licensed insurers rarely have their agents mention any of their reinsurance arrangements during a sales presentation.

9. If the Association or Union is comprised of members from all walks of life and/or requires its members to state that they belong to a certain trade, class or group of professionals that they have no affiliation with, for example, the Association or Union is said to be comprised of “Food and Beverage” workers, but “Florists” and “Machinists” are allowed to enroll as members.

10. If the Association or Union is said to have a special arrangement with a health insurance company, a plan administrator or another third party that has designed the plan using a legal “loophole” that allows members to purchase health insurance at a discounted rate or to purchase a individual or group health insurance policy.

So how can you protect yourself from falling victim to a fraudulent insurance scam? Make sure you contact your state’s department of Insurance to determine if the health insurance company and the third-party administrator are licensed to do business in your state and make sure that the “agent” selling the plan is a “licensed health insurance agent.” Additionally, make sure that the health insurance company has been approved to sell the particular policy that is being offered. Since it may be difficult to tell if fraud is involved, always put off buying your insurance policy until you have had the opportunity to perform your own due diligence.

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

C. Steven Tucker, is the President of Small Business Insurance Services, Inc. and has been a Licensed Mult-State Insurance Broker serving the small business and self-employed market for over a decade. Mr. Tucker believes an informed insurance consumer makes the best health insurance purchasing decisions. Mr. Tucker has written several articles that focus on small business health insurance, which can be read on a number of web sites. Mr. Tucker’s blog can be read at http://www.smallbusinessinsuranceservices.vox.com. If you have general questions regarding health insurance, or you are in the market to purchase a health insurance plan, you can contact Mr. Tucker through his web site at http://www.smallbusinessinsuranceservices.com, via Email at smallbusinssvcs@aol.com or by plone, toll-free at 1-866-SBIS123 (724-7123)