Sunday, 8 March 2009
Tuesday, 3 February 2009
Effective one wall (in home decor)
We can mix and match old furniture with new accessories and ornaments. Also with those on the walls. From a different side we can put new furniture and have the walls made in the traditional way with traditional wallpapers. The newest and the most effective, cheap way of decorating the walls is to paint only one of them. And according to trends it has to be intensive colour – purple, red, bronze. And what are the other ways to decor the wall (and not also wall)?
We might use decorative plaster. It has an unusual structure – irregular and rugged which makes a nice look of the wall. But there is one condition: it can't be covered up by furniture. Otherwise it loses decorative flow. Very effective is also Italian technique called ”stucco lustro” which means in English ”sparkling plaster”. It's quite expensive plaster that is imitating .... and reflex the light. But we can make ”stucco lustro” ourselves – easier and cheaper just by painting the wallpaper with a sparkling paint. Perfectly in yellow or orange colour.
To make an unusual wall we can just use a colourful wallpaper which will bright up the room. They wallpapers made of paper and made of material – first cheaper, second more expensive. Most popular now are the one with big flower ornaments, that has dark, intensive colours. But because of those colours and design they look good only in big, bright interiors. In a small room they will make a worse effect making the interior visibly smaller than it is.
Items that really look good on the wall are stone, woodFind Article, bricks. Matching them with such decorations like tablecloth weights or scented candles gives the room unusual look and climate that is reserved only to warm cottage houses. They will have an ideal prelude in a wicker basket on the stairs that will lead us to amazing room with stones placed one near another giving a unique design. Or into the room with old bricks! Very classic on one side and modern on the other side.
And as we can see we are able to totally change our interiors just by changing one wall. Small thing and a great effect.
Money Camps for Your Teen
A term being tossed around a lot recently, often without a great understanding of what, exactly, it means, is "Money Camp." This is best used to refer to a financial literacy program, often targeted at teenagers or students about to enroll in an institute of higher learning.
Financial literacy programs are best used to train students applying to colleges or simply going off to live independently in how to best use their resources. Most high schools will also offer at least a basic economics course; however most do not give any practical money management information. High school courses lack essential lessons that prepare teenagers for the financial real world. Most do not cover the investments, credit, the mental game of money, and other practical finanical matters. Money camps are designed to give young adults a practical financial education and focus more on 'how to' rather than theory.
Unfortunately, there are no college preparation courses requirements in most states that requires high schools to teach students how to responsibly use credit and debit cards, how to divide up their resources to meet multiple ends, and how to differentiate between important and unimportant expenses.
Enrolling a student in a money camp is generally a fix for parents that can't teach their kids by example, and have tried without success to instill responsible spending habits in their child. This financial literacy program sets guidelines as to how proper financial behavior should be, and makes clear the ramifications of poor spending habits in the real world. Popular culture dictates that spending money on trivial, unimportant things is "cool," but most money camps will put a lot of stress on the teenager's ability to resist social pressures and properly balance pleasure with actual expenses.
There is a lot to be said about teaching a child financial responsibility, and if your child seems especially reticent to be mature about how they spend their money, consider a money camp. Most money camps do not actually involve sending your child away for any period, and instead function like after-school programs.
Monday, 2 February 2009
Is LASIK Right for Me?
First, if you are already firmly set in your decision to have LASIK, read these pointers:
1. Make sure you go to a doctor who uses the new Interlase laser for making the corneal flap.
Why? Because the Interlase is 100 times more precise than the 'old fashioned' method of using a microkeratome to cut the initial flap. Many speculate that most of the problems that come from LASIK surgery have been due to the impreciseness of the microkeratome device used to cut the cornea.
2. Most definitely insist on a custom wavefront laser to do the actual reshaping of the cornea.
Why? Because the custom wavefront can get rid of what is called higher order aberrations.
What does this mean to you? It means much sharper vision after the surgery and a significantly reduced chance of having halos, starburst and other 'complications' from LASIK.
Repeating: Make sure you go to a surgeon who is using both Interlase and Custom Wavefront technology to do LASIK surgery. Relatively few practices have these new technologies. Consider that surgeons who invest in these technologies may have more of your interests at heart.
One of the top 5 LASIK surgeons lives in Kansas City is durrievision.com. You should be aware of the potential problems of LASIK surgery. Common problems always relate to procedures that didnt use up-to-date technology such as interlase and custom wavefront technology.
One of the problems with LASIK, has been the LASIK 20/20 phenomenon. Some people do technically see 20/20 after the procedure but it is not normal. Instead, it is hazy or blurred. This is probably due to the higher order aberrations mentioned earlier. That is why it is important to get custom LASIK done. The custom wave front lasers can remove those aberrations, hopefully allowing you avoid the LASIK 20/20 phenomenon.
If your doctor says that you dont need the custom treatment, I would ask him if he has a custom wave front machine. There may be a few legitimate reasons to not have the custom procedure done, but I seriously doubt there are many.
If he doesnt have such a machine, I would wonder if his recommendation is based on the best thing for you as the patient. It always pays to get a second opinion anyway and in this case, you should.
These are your eyes that we are talking about and you owe it to yourself to get educated on every aspect of this surgery before undergoing treatment. The surgical eyes web site mentioned above is worth investigating. You need to know what could go wrong and how to choose a doctor and equipment that will allow you to avoid problems.
I will say it again. Try to go with Interlase to cut the corneal flap and try to go with a custom wavefront laser to reduce your risk of complications! I cannot stress this enough.
I went through a screening process to get LASIK done and was categorized as an excellent candidate. They even wanted me to participate in a study program that would save me about $600. I still turned it down. In the end, I decided that I didnt want to get my eyes lasered.
Of course, there is something to be said about not wearing glasses or contacts anymore and there are many happy patients out there. I just want you to be aware of both the pros and the cons.
Do you really need to have LASIK done? I think its worth it to investigate natural vision therapy and see what you can do about correcting your vision naturally before permanently etching your current prescription into your cornea.
Many people have gotten results from vision therapy. A few have even gotten rid of their glasses and /or contacts forever. An industry insider has informed me that this does happen but not very often.
There are a couple of books to check out on natural vision improvement if you are interested in that alternative. Relearning to See by Thomas Quakenbush is one that comes to mind.
The original pioneer in vision improvement was Dr. Bates. He was an early 20th century ophthalmologist who really stuck his neck out to go against the prevailing theories of the day (that still persist). Many of the people who he helped were very grateful, Im sure.
I have dabbled with naturally improving my vision. I have experienced a decrease of tension, but I have not recovered 20/20 vision. This type of improvement does take work and determination.
That is why there is LASIK today; everyone is different in their wishes and expectations. If you are in a hurry and you dont mind the permanent etching of a prescription in your cornea, LASIK might be for you.
I hope this helps you on your quest to learn more about LASIK Surgery and point you in the right directions to gain more information so that you can make an informed decision before deciding to undergo this often expensive elective procedure.
This article is for informational purposes only and is not meant to diagnose or suggest treatment for any health condition. Please consult a health care professional if you have or suspect you have any health related problem for proper diagnoses and treatmen
How to Choose a Good Car Tint Shop
We at TintCenter suggest that you do a little research. First compile a list of 5 potential tint shops that are likely to do good work. Ask your friends an co-workers who have tinted their cars which tint shops they chose, look in the Yellow Pages and mark down the tint shops with large professional advertisements, or come to TintCenter.com and get price quotes from a local tint shops.
Once you have this list in-hand, its time to interview each dealer:
- How long have you been in business at this location? Do you have other shops in the area?
Good tint shops prosper despite other local competition by offering good service at reasonable prices. You should find a tint shop that has been in business for 5 or more years at the same location, this shows a stable business that will be there years down the road if somehow the tint goes bad.
Often times successful tint shops also open car tinting branches in neighboring cities. Although the installers may not be the of the highest quality since opening new shops means training new employees; however, branches are a sure sign of a successful tinting business.
- What types of films do you carry? What warranty do you offer on your work?
Quality tint shops carry complete lines of window film from one or multiple window film manufacturers. They should carry dyed, hybrid, and metallic window films in a variety of colors and darknesses. Beware of tint shops that only carry one or two types of film, and sells them aggressively. They may have acquired this film on sale, and may not be thinking of your unique requirements and concerns.
The warranty on the car tint varies depending on the window film you choose. TintCenter recommends that you install only window film backed with a lifetime warranty for materials and labor. Most films don't guarantee color and fading, it is recommended that you also choose one that does.
For the warranty to take effect, remember to get only legal window tint for your car. Illegal tint automatically nullifies any manufacturer's warranty. Make sure you get a manufacturer's warranty card from the dealer with the date, the window film used on each window, and the total cost of installation.
- Can I visit your tint shop? Can you show me a sample of your work when I'm there?
Tint shops can sound like the best shop on the phone, but 15 minutes on-site should tell you all you need to know.
Good dealers pay attention to customer service. They should be happy and willing to spend the time to talk to you and explain how their shops work. Remember, if they don't spend time with you know, will they spend time with you when there is something wrong with your tint job?
A tint shop's work area should be indoors and clean. Their tools and window films are organized in a professional manner. If the tint shop is outdoors or in a parking lot, this is a negative since it is critical to remove all dust and dirt from the windows before applying window film.
Now take a look at a car they have already tinted. Pay attention to side-windows. The window film should be applied to the inside and be completely flush against all 4 edges of the window. Now look at the window film itself. Don't worry if the film itself looks slightly streaky and discolored, window film takes a couple weeks to dry out and become completely clear. If there are bubbles of air under the film or the film itself is not complete flat against the window, this is a sure sign of sloppy tinting.
Finally, take a look at the rear window. Is the window film applied in a single piece or is it cut into strips that surround the defroster lines? The most skilled tint shops always apply film in a single piece. Now look at the borders of the rear window, in many cars there is a black 'frit' edge on the window, Make sure the window film looks securely attached to the frit as well.
Finally, get price quotes from each dealer for the exact darkness, color, and type of window film you want. Never compromise because there are plenty of other dealers out there that will offer your perfect tint. With these price quotes and your research on each tint shop, make the decision. Refer to the cost of car tint article to help you rank the dealers.
After you make your decision, remember to always make an appointment with the tint shop before you tint your car. Even if they say 'drop-ins accepted' or 'bring it over any time', you want you tinter to be calm and prepared for you when you arrive and not rushed. Tinting may take a couple hours to half a day, so either arrange a ride or go to a nearby coffee shop with a good book. Enjoy!
Saturday, 31 January 2009
Hard water? Where does it come from?
When we are speaking about soft water we are usually thinking about the spring warm rain that touches gently our skin. It's pure water-with no minerals. On the other side when we are speaking about hard water we have in mind the one in which there is a high level of calcium and magnesium. If water has those minerals it's not that pure anymore, the touch of it isn't gentle. It's probably the best way to imagine the difference between them.
And why soft water becomes hard?
Before water gets into our houses it has to take a long trip. During this trip it's changing from rain into rivers and streams. When it sleeps
trough the ground it is slightly possible that it picks up minerals from the rocks like limestone, chalk. And that's why a lot of us has that kind of water in home.
Is the hard water unhealthy?
It might be unhealthy for people who has kidney problems. But it causes the most damages in our kitchens, bathrooms and toilets. The mentioned minerals, during the heating process, form a visible scale in pipes, kettles and dishwashers. As a result, the scale is clogging the pipes and the efficiency of heat that it is needed to make water hot is increasing, therefore it can bring much higher bills. And shorten a lot the life of all appliances at home. It can also damage hair and leave skin feeling dried out and itchy.
Is there something like hard water treatment?
Yes, the hard water can be softenedFree Articles, usually by using water softners that are passing over an ion exchange resin and works by replacing the calcium and magnesium in the water with sodium.
Before buying such device you should have a good thinking. A softener will improve the efficiency and increase the life of appliances using hot water. Some people with skin conditions have fewer problems when using soft water for washing. But the way they work might cause a different healthy problems. Too big amount of sodium might be dangerous for premature babies and people on low salt diet. Healthy alternative for that might be an electroniclimescale removal which isn't using any sodium but a powerful high audio frequency signals that are designed to effectively treat water conditions and flow rate.
How To Sell Your Old Iphone
If you are trying to sell an iphone it can be a difficult task, especially if the phone is in a used condition, or even worse the iphone is broken. There is now an option to enable you to sell your phone easily and trouble free, regardless of it´s condition and get you some quick cash to discount the purchase of your new phone. Therefore if you were thinking you were stuck with your iphone, or it was ready for the trash then you will be relieved to know you can get paid to recycle it.
There are several companies available on the internet to assist you with this process, however I highly recommend www.cashforiphones.com, when you sell your iphone to them they offer a service that stands out above the rest, they keep to their promises and they deliver fast cash, all at no cost to the customer, including the postage and insurance being paid for by them.
Also offered by the ‘cashfor’ family is a very simple, easy to use website where you can gain an accurate quote for your iphone that you wish to sell, and you will see from the list that all models are accepted and in any condition – you can even sell your broken iphone to them, meaning you get paid to recycle your electronic waste. Once you have completed the online process they will ship a postage box to you that is prepaid and the cost of insurance is covered so all you have to do is box up the phone in the comfort of your own home and ship it back to them at no cost, revolutionizing the process of selling an iphone and making it very straightforward.
After you have sent off the old iphone in the post and it is received by www.cashforiphones.com they will erase any personal information that was stored on it giving you piece of mind, and they will immediately dispatch the check in the post for amount quoted when you chose to sell your iphone – they also offer this service for Smartphone’s, Blackberry’s and laptops, so it is an ideal company if you are looking at having a clear out of your unused electronic hardware, and for these services also the condition of the equipment is an irrelevant factor.
So if you are looking to sell an iphone in working condition, or you have a broken iphone that you thought the only option was to trash it this will be music to your ears – the fact that you can sell, trade or recycle it and send it off to become a refurbished phone giving it a new life, and saving the planet from suffering the damage of more toxic electronic waste.
Read more...Honeymoon Tour in India
Honeymoon is the first vacation that the couple spends together and everyone likes to make this splendid time, the most memorable one. The charm of Honeymoon just after marriage is truly amazing. It is the way to lay the first step in the journey of married life.
The selection of Honeymoon Destination is a significant issue. We have different options but which one would be selected its always very confusing subject. India has been always on the top list of honeymooner whether they are residents of India or foreigner. India is the best place for spending these wonderful days and making the time memorable. We have very beautiful places, sites, rivers, beaches, deserts etc to view and enjoy the beauty of nature.
Some of the famous honeymoon destinations in India are -
Goa - Golden beaches fringed with palm trees, surrounded by green hills can be the dream spot for couples to start the journey of there life. It is often known as “Honeymooner’s paradise”.
Srinagar – Kashmir is Heaven on this earth. Here the climate is pleasant and we can have view of scenic beauty of the nature, lush valleys and many more. Dal Lake is ideal for a passionate cruise on shikaras for the honeymooning couples.
Jaipur - Beautiful laid out gardens and park, marvelous heritage hotels and their royal treatment will really make yours honeymoon the most memorable life time achievement. It is the best place for one who believes in history and really wants to see ancient monuments.
Ooty – Ooty is the perfect honeymoon destination for you if you love silence of nature and the songs of creation. Here in Ooty, every were you can feel hint of romance.
Kullu Manali – Kullu Manali is a peaceful place to relax and unwind. No doubt, a magic spread out before your eyes that captures you in its magic.
Shimla - Shimla can offer you a gratifying experience going by the itinerary of places. Here couples can have fun and enjoy adventure sports and can go for a visit down Ski lane to Kufri, which is one of the best available skiing fields in India.
Read more...Cosmetology Courses: An Introduction On What To Expect
Living in the entertainment capital of the world presents a lot of opportunities — especially if you are creative, disciplined and well-trained. With the growing obsession about achieving the perfect and most fashionable look, cosmetology courses have become the "in" thing.
With all the cosmetology courses being offered out there, how do you know which you need? Getting enrolled in a cosmetology course means investing not just money but time as well, thus you need to be fully aware of what you are signing up for. So what can you expect from a cosmetology course?
Among the leading cosmetology schools in Los Angeles is the Aveda Institute. Renowned for offering world-class technical training to all its students, the Aveda Institute is the ultimate place to learn the art of hair cutting, coloring, styling and makeup. The institute is known for creating some of the most successful entrepreneurs in beauty, hair, skin and nail esthetics, makeup, massage and total body wellness. From planning your career path to designing your life choices, Aveda’s higher purpose is to help its students meet their full potential.
Aveda’s goal is not merely to teach its students but to inspire, nourish, refresh and connect people who aspire to be outstanding and great creative hair stylists and nurturing spa technicians. Students will be introduced to the various specialties that are part and parcel of the fashion industry.
The learning environment in Aveda encourages personal and professional growth, creativity and teamwork. From day one, the instructors will work closely with you to identify the best method of learning. They then customize your education to help you achieve success. Their goal is to help you gain complete knowledge of cosmetology and other professional skills that are important in the fashion and beauty business.
The Aveda program consists of demonstrations, lectures and hands-on examinations to ensure that you are learning the right things in the right way. In return, students at Aveda should strive for nothing less than excellence in their chosen craft. Aveda firmly believes that their students’ actions, products and services should embody excellence at all times. Students are likewise encouraged to be open-minded and to seek new ways to learning. By doing so, Aveda believes that its graduates will be able to meet — and even exceed — their guests’ expectations.
World-class technical training to extensive hands-on experience is what every Aveda student is exposed to. Moreover, what sets Aveda apart from other dime-a-dozen beauty schools is its deep commitment to fostering an environment of respect and trust. An education in Aveda will help you respect not just others, but more importantly, yourself. Aveda believes that respecting each other’s works and outputs will enable students to more freely express their individuality and creativity.
Aveda is committed to put you at the top of your game and open doors for your future in the beauty and fashion industry by exposing you to advanced cosmetology techniques. To achieve all these, you need to be passionate and determined about reaching your goal. At the end of the course, you are expected to reach the level of expertise that is unparalleled by other cosmetology school.
Read more...How to Give a Speech without Notes
For many people giving a speech causes them to turn tail and run or break out in a cold sweat. They would rather die than walk up to a podium and talk. This phenomenon is actually documented. When people are asked what their number one fear is, an astounding majority say speaking before groups. Death comes in second.
So, why in the world would anyone want to give a speech without notes? After all aren't our notes there to help guide us through the speech? Aren't they there to keep us from forgetting what we intended to say? Aren't they there to prevent that ever-fearful event: our minds going blank?
My answer to these questions is a resounding no! When you depend too much on your notes you are putting your brain on cruise control. As the pilot of your speech, imagine if your notes suddenly flew across the room and all your papers scattered into the wind. What would you do? Pilots depend on their co-pilot to take over. You don't have a co-pilot. You must depend on your brain.
The purpose of this paper is to give you some tips to train your brain to work for you. The goal is to free yourself from dependency on your notes. When the wind blows and your notes fly away (or your computer crashes the night before your presentation), do not panic. Instead, toss your head back with confidence and say, "It's ok. I can deliver this speech blindfolded."
How Do You Do It? How Do You Train Your Brain and Rid Yourself of Those Pesky Notes?
First of all, you don't have to be completely note-free. You can take your notes to the podium as you usually do. You can place them on the table before you as always. What will be different this time is that you will never look at them! You have them there, just in case. But as your confidence grows with working without notes, you will suddenly notice, you don't need them anymore. I have reached a point where my notes have been dwindled down to a single note-card (and this is for a 30 minute presentation), which I place in the pocket of my jacket. I never pull it out.
How do you think the great musicians play without music? How do they reach a point in their careers when they can perform a 10 to 12 page piece without a single sheet of music in front of them? You know the answer to this question. Practice! Practice! Practice!
Preparing for your presentation requires diligent and planned practice. I heard someone say once, "If you aren't prepared, you ought to be scared." Yes, practice will make perfect and practice will enable you to toss your notes to the wind.
Believe it or not there are some people who are so frightened by speaking they do not want to think about it. They postpone working on their speech or presentation because the thought of it terrifies them. These people shun practice out of fear and thereby assure themselves that their worst fear comes true. If you are not willing, or unable to practice, you had better not walk up to that podium. Your notes will not help you. Nothing will.
How Do You Practice?
*Decide what you are going to say and write it out. Write down everything, even your jokes, antidotes and examples.
*Read aloud what you have written. Re-write and re-write to make the speech conversational. Re-write to make sure the speech fits in the time allotted. Add and remove portions.
*Now that you have your speech written exactly as you want it, read it aloud five times in a row. After each reading, lift your eyes from the page between paragraphs. Before you look down, try and think about what comes next, paragraph by paragraph (or section by section).
*By the fifth reading you are ready to take your speech off the written page and put it on note cards. You will put words or sentences on the note cards that will transition you to the next part. These are the stumbling places you noted while you were reading.
Example
You are reading: "My biggest fear in making presentations is that I will lose my place and forget what I am about to say. One of the tricks I use to make sure I will remember is. . ."
Oops you forgot what comes next. You look down on your notes and see "to prepare a PowerPoint slide."
You will write PowerPoint on your note card.
*Now that you have your speech on your note cards in bullets, practice your speech with your cards 5 times over two days. This time you don't want to practice too many times in a row. You want your brain to expand. This practice process isn't just about memorization. It's about putting your brain to work--teaching it to expand with you. Notice after each practice how often you have to look down on your cards. Notice if you add some content or a new story. If so, jot those things down on your cards, rework your cards and start over.
*After the fifth practice, you are now ready to abandon the note cards. Practice your speech in the shower. Practice while walking your dog. Practice while driving your car. Practice your speech at least 10 times in places where notes are impossible. Pay attention to the spots where you stumble or forget what is next. For example, if you are practicing in the shower and you are mid-way through your speech and can't quite remember the next part, that is perfectly fine. As soon as you come out of the shower, go find your notes. When you see what jogs your memory, you are off and running again. The next time, in the shower or in the car, you will remember that part and go on. I suggest at least 10 practices before your presentation. But once you are giving your speech with ease and your notes are clearly in your head, you are ready (even if you only practiced like this 4 or 5 times).
If you prepare and practice and leave your notes on the podium or in your pocket, you will discover that speech making is actually fun. Your brain loves the exercise and you will know that no matter what happens to that little note card, you will successfully deliver your speech. Nothing will stop you now!
Imagine how impressed your audience will be! How did she do it and without notes? Only your dog knows your secret!
Read more...Friday, 30 January 2009
Building Outdoor Kitchens
Outdoor kitchens increase your living space adding tremendous value and appeal to your home. That's why building outdoor kitchens is the second most popular remodeling project after indoor kitchens.
However, a great outdoor kitchen is a complex project.
You can certainly enjoy your backyard and grill up some tasty BBQ on any charcoal or gas grill, but to truly bring your kitchen outdoors requires significant planning, skill and expertise. This project is not a do-it-yourselfer.
Here's what you'll need to consider:
Your basic outdoor kitchen set-up will include a built-in barbeque grill, countertop, sink, refrigerator, outdoor kitchen cabinets and cozy outdoor furniture or barstools for yourself and all your guests to kick back.
The barbeque grills on the market today offer so many bells and whistles that you should start shopping around early to determine your favorite options and how much you want to spend.
Next, the type of countertop surface is a crucial decision when building outdoor kitchens. Options include tile, quartz, solid surface, granite and other natural stones. Choosing the right countertop will ensure years of enjoyment and admiration. The wrong one...years of hassle and headaches.
If price is a primary consideration then take a look at tile. Just know that a tile countertop may not stand up as well to the elements and will require significant maintenance to keep the grout clean and the tiles intact.
Granite and quartz are more expensive, but offer the best long-term value with excellent durability and superior styling.
For the ultimate in luxury, you may also consider installing pergolas, stereos, ceiling fans, fire pits and more. Even TVs are moving outside.
Comfort & Flow
Comfort is key to enjoying your outdoor kitchen and entertainment space. But before you empty your wallet on that imported teak dining set with bar stools, take a look at the space you have available and decide how it's going to "flow."
Everyone needs a little space so, make sure your outdoor kitchen plan accounts for some basic and standard construction measurements to allow plenty of room to sit and move about.
Outdoor Kitchen Location
Of course, the idea of an outdoor kitchen is to relieve you of all the shuttling back and forth from your kitchen inside. Nonetheless, you'll want to locate your outdoor kitchen as close as possible to the indoor one for overall convenience.
Also, when building outdoor kitchens keep in mind things like, electricity, water and gas. The closer your outdoor kitchen is to your house the easier it will be to hook up to these utilities.
Sun and rain exposure is an important consideration. Certainly you'll want some protection from the rain so grilling can continue even if the party must move indoors.
In northern areas you may want to maximize sun exposure, while most southern backyard kitchens should be designed to shield the sun either by location or the addition of a pergola or large umbrella.
Wind protection is another reason to stay close to the house. You don't want to be so close that smoke from the grill is easily blown around seating areas, but taking advantage of walls and fences will make grilling more pleasant. However, fencing, trees, shrubs and planters can be added for greater protection.
Utilities & Permits
If you're not building a new home that includes an outdoor kitchen, chances are your outdoor kitchen plan will require installation of water, electric and possibly gas supply to your cooking area.
Water supply to the sink will need to be installed so it can drain in winter to prevent freeze damage and building codes will probably require the sink drain be connected to the main house drain.
You'll need to hire an electrician to install GFCI outlets above the countertop and for your lighting. If your outdoor kitchen plan calls for cooking with natural gas vs. propane then you'll need a plumber to run an underground gas line.
Permits will be required so everything should be mapped out in advance. And although some aspects of building outdoor kitchens can be handled by the competent do-it-yourselfer, the complete project involves extensive and specialized installations that are best left to professionals.
You'll have many discussions with your contractor about all of these items, but this should get the juices flowing on your great outdoor kitchen plan.
Why Choose Art Prints?
When you find art prints in a store or online, the first thing you will notice is how cheap they are in comparison to real paintings or prints. Because they're merely copies of the real pieces of art, they can be sold at much lower prices. They are also produced in larger quantities, further reducing the price and making them affordable for anyone. While a cheap price isn't always a necessity when you're buying art, these prints do allow you to have more art hanging in your home than you might if you were paying full price.
The many varieties of art that you can find in art prints also offer you more flexibility. You can choose a modern art piece for the living room, but then try an impressionistic work in the bedroom. No matter what your tastes are, you can find an art print that will suit you. There are hundreds of possibilities in terms of images, colors, and styles - all ready for you to hang on your wall and change as your needs or tastes change.
Easy to mat and frame yourself, art prints offer the homeowner or apartment renter the ability to hang their own art in their home. And by choosing a particular mat color, you can emphasize one color in the piece or simply draw attention to the piece in a particular room. You might also want to have the print matted professionally, but it's often much cheaper if you do so yourself. These prints allow you to 'do it yourself' when it comes to adding art to your home space.
With the large quantities that are available in art prints, you can get multiple copies of the same print, if you like. This can create an interesting effect in a single room or allow for you to have a repeating theme in a number of rooms. You can also easily give these prints as presents to family members or to a child that's moved out in order for them to remember a piece of home. If something should happen to your print, you don't have to worry about not being able to replace it as most art prints can be reordered without any problem.
When you purchase art prints, you're not being cheap or ruining the vision of the artist. While it's true that you're not getting the exact work of the artist, you are celebrating their work. Prints allow everyone to own a piece of fine art, without being worried about insurance costs or if it should fall down. Art is meant to be accessible to everyone and art prints ensure that this accessibility occurs.
Easy Recipes For Delicious Salads
Salads are nutritional and can be the great source of vitamins, proteins, carbohydrates, minerals and lot more. They are considered as light meal and much more than an appetizer. Their preparation mostly involves vegetables (leafy vegetables) and sometimes fruits. The dressing forms the crux of it, which differentiates the taste of different salads. Occasionally it is prepared with meat, fish cheese or nuts, which makes it a high calorie-content. Basically these delicacies are healthy with low calories, most commonly found on every dining table in US
The most commonly consumed green salad consists of variety of vegetables like lettuce, spinach or arugula. This is not all, as the recipes can also be seen with tomato, cucumber, peppers, mushrooms, onions, spring onions, and red onions, carrot and reddish. We come across people who love to try different things in their daily diet they make different combinations in the same dish to give it different taste and flavor. For this reason we find green salads complimented with pasta, olives, cooked potatoes, croutons, beans, rice meat, cheese and fish. That is why salad is not just any mixture of leafy vegetables but needs proper garnishing and serving with of course the right mix of ingredients.
There are wide array of sumptuous chicken and summer salad recipes with tantalizing taste and mouth-watering aroma.
Lets look at one of the recipe called Chinese chicken salad recipe which easy to prepare and tasty to eat. The almonds and noodles in the salad add a crunchy taste to it and the dressing makes it spicy and sweet. Take a quick look at the ingredients needed.
Chinese chicken salad
Ingredients:
Coleslaw
1 packet of chicken noodles
1/2-cup of chopped green onions
Few sliced almonds to add crunch
4 skinless, boneless chicken breasts
Dressing essentials:
1/2 cup of sugar
1/2 cup of olive oil
Wine vinegar or same quantity of rice preferably 1/2 cup rice
2 tsp. of soy sauce
Seasoning from the ramen
Method
To start with the Chinese chicken salad, you need to bake/grill and cube the 4 chicken breasts properly. Once this is done you have to combine all ingredients together. When the ingredients are mixed properly put the dressing on it immediately before serving.
During summer the intake of regular diet is less but the salads with nice dressings and variety of toppings can actually work as appetizers. The summer salad recipe involves fresh vegetables. Just go through the recipe to find out more about it.
Mid- summer Italian bread salad
Ingredients
1 clove of garlic
1 (1 pound) loaf or Italian bread preferably
1 cup of finely chopped tomatoes
1 cup of peeled, seeded and chopped cucumber
1 cup of chopped red onion
1 clove crushed garlic
2 cups of chopped fresh basil
1/8 cup of chopped fresh thyme
1/4 cup of olive oil
2 tablespoons of balsamic vinegar
If the bread is too fresh toast it till it becomes dry and crunchy.
Preparations
First of all rub the peeled clove of garlic from inside of wooden salad bowl. After that chop the bread into small size pieces. Mix bread, tomato, tomato, cucumber red onions, garlic, basil and thyme in the prepared bowl. Finally add oil and vinegar for lightly coating. Toss and serve the Mid- summer Italian bread salad
Unique Birthday Gifts
Tired of gifting stereotyped birthday presents to people? Look for some unique birthday gifts. Apart from the traditional birthday gifts, you can select some truly beautiful unique presents for someone special from scores of companies flooding the market.
Some companies such as Blue Chopsticks, Patagonia Gifts, Red Envelope, Vermont Teddy Bear, Fascinations, Wisconsin Made, Gifts.com, A Gift of Poetry, Dave Wood Art Gallery, Last Laugh Gifts, Warm Sentiments, Books Unique, Things Remembered, Generous Gems, Sundance, Bears in Chairs, Connection Channel, J.C. Penny, Personalization Mall, Limoges Jewelry, Love is a Rose, Pyjamagram, and Cyber Café Center have some unique gifts for all.If you are looking for jewelry of all types, be it rings, bracelets, pendants, or necklaces, you will find them all at companies like Red Envelope, Things Remembered, Generous Gems, Sundance, Personalization Mall, Ever After, J.C. Penney, American Bridals, Personalized Boutique among others. Besides, the above range of engraved, customized jewelry, Patagonia Gifts also offers gifts like letter openers, cross cufflinks, leather and silver bracelets, and much more.Monogrammed dinner sets; hooded robes; and shiitake mushroom logs, which can produce mushrooms for years, are some examples of gifts available at Red Envelope.Engraved pens, clocks, and wrist watches from brands like Cross, Aurora, and Sheaffer are all offered at Things Remembered. Beautiful crystallized birthday roses in gold, available at Love is a Rose, are a magnificent way to express your love.Breathtakingly beautiful gifts like a personalized chess set made up of white onyx and black marble with names engraved on board; a personalized birthday pen holder; and much more available at Cyber Gift Center make excellent gifts too. Re-recordable stuffed toys with sound units inside them can truly unique also.
They can be found at Connection Channel.Gifts.com has a wonderful and amazing collection of birthday gifts for everyone - men, women, teens, as well as babies and children. For children it has a range of educational toys, cars, trucks, and trains, playing sports, playtime and make-belief and loads of other things. Equally diverse and huge are the birthday gifts reserved for teens, men, and women.A romantic way of expressing your love or any other feelings is by gifting poetry to your loved one. Such gifts can be found at A Gift of Poetry. Wisconsin Made offers books, music, gourmet baskets and other gifts, for one and all. A personalized gift like a charcoal sketching from any photograph is also available at the aforementioned company.
Publishing Books
Author: Arthur Zulu
Contact Author: mailto: controversialwriter@yahoo.com
Copyright: Copyright © Arthur Zulu 2002
Word Count: 402
Web Address: http://www.1stbooks.com/bookview/10975
Publishing Guidelines: Permission is granted to publish this article electronically or in print as long as the bylines are included. A courtesy copy of your publication would be appreciated.
WHERE CAN I PUBLISH MY BOOK? (PART 2)
By
Arthur Zulu
Let’s illustrate this point further. Do you know Jerzy Kosinski’s THE THIRTY – NINE STEPS? Yes, one writer had that best – seller typed, and submitted, as a manuscript by a new writer, and waited for an answer. And what reply did he get? All the trade publishers rejected it. All the agents told him, “no way’". And to worst the experiment, Random House which originally published the book, threw it out as an insignificant book. Yet, this was a National Book Award Winner.
Even, some other best- sellers were “randomly" rejected. Like THE JUNGLE by Upton Sinclair. Like Thomas Paine’s COMMON SENSE. Like MAGNIFICENT OBSESSION by Lloyd C. Douglas. Do you now understand what I mean when I say you should not go to them? But you have another chance.
Subsidy Publishers
Also known as private or commission publishers, subsidy
publishers are a better choice; if you can pay to get your book published. And they pay higher commission or royalties, than the trade publishers. They include Vantage Press, Minerva Press and Avon Books.
Now, paying for book publication has a long history. Many great writers started that way. Edward Fitzgerald financed the publication of his monumental work, THE RUBAIYAT OF OMAR KHAYYAM. Thomas Gray paid to publish his classic, ELEGY. And what about Edgar Allan Poe? He sponsored the printing of the book of all times, TAMERLANE AND OTHER POEMS. And Leo Tolstoy doled out money to pay for the publication of the best novel on earth, WAR AND PEACE.
The list has not ended. What about Thomas Hardy, Alexander Pope, T.S.Eliot, Alfred Lord Tennyson and many others? They did likewise. Why not submit your book to one of these subsidy publishers now?
But suppose they don’t appeal to you. You have another choice.
Self Publishing
Yes, you may decide to do it yourself. Print and publish your work. Go round, promote and distribute your book. Become your own manager, accountant and clerk. And more!
Then ask yourself: How far can I go? Do I have the time? Do I have the experience? Can I bear the health and physical risks?
Well, it is up to you to decide. And remember what Hippocrates said: "Ars Longa: Vita brevis -– Arts is long, but life is short".
If none of the above appeals to you, you are not to tuck away your precious manuscript in the attic. And go bungee jumping! Life after all, “is not a roller coaster" someone says. So, why not try the exciting world of Internet Publishing.
Party Planning Ideas
It doesn't matter. Any reason is a good reason to have a good time. Whether it's a catered affair or you do it all yourself, the object of the event is enjoyment, so why not enjoy getting ready for it also?
Remember, any event can be broken down into 3 easy steps:
- Preparation
- Presentation
- Produlation
What's 'produlation' you ask? That's the best part!!! It's when you produce the results of your preparation and presentation and receive the congratulations of your guests (and yourself, of course).
Preparation
One of the keys to a successful gathering is preparation. And the earlier it starts, the better. We think it is important for a couple of reasons.
First of all, it is a way to get organized. But more importantly, if time is spent in the preparation phase, you won't be running around at the last minute attending to details. This will better allow you to relax and enjoy your time with your guests.
We've divided the preparation phase into three easy categories:
- Menu
- Layout
- Cleaning
If you've follow the above steps, you should be able to get a good night's sleep and relax while waiting for your event to begin!
Menu
Welcome to the most exciting section on the preparation for your party. Sure, as you look at the different options under preparation you see that terrible choice called 'cleaning'. But let's not think about that right now. Instead, why don't we just have some fun and let our imaginations run wild.
The first decision you will need to make is whether you will be doing your own food preparation or using the services of a caterer. There is no right answer. We will tell you that once they were organized, many people have actually admitted that they enjoyed preparing the food. If that is your desire, read on. If you decide to follow the caterer route, it might still be a good idea to read the rest of this section to help prepare for the questions they will be asking you in order to help make your event memorable.
The two most important words that come to mind when preparing your menu are variety and quantity.
It's a good idea to provide your guests with a wide variety of choices. Some hot, some cold. Some dry, some with sauces. Add a few meats, vegetables, cheeses a couple of dips and maybe even
some fruit and voila, you have a menu. Do you have a special finger food that is a little bit out of the ordinary? Add it to your menu. It's always a good idea to have a few old stand-bys
such as chicken wings and chips for those with a less exotic palate. A typical menu we've seen included: wings with a variety of sauces (although they were just as good plain), pepperoni
bread with a little spaghetti sauce on the side for dipping if desired, a variety of potato and tortilla chips with a couple of dip choices a vegetable tray and a selection of olives and pickles.
Another idea to consider is having a few items on your menu that can be prepared in advance and reheated so that you are not rushing to prepare the food when you would rather be relaxing and thinking of the fun you will be having.
After covering the variety of choices, it is now time to look at quantity. Always prepare more than you think you'll need. It may seem like a waste of money at first, but remember, you get to eat the leftovers. Or, as the host, you will be able to offer your guests a little going home gift.
Now settle in and let your imagination run wild.
Layout
Layout is an often overlooked part of the preparation. At many events there is a last minute rush to try and squeeze everything in and a considerable amount of time is spent rearranging things to ensure that both your guests and the food will all fit in the desired area.
Of course, there are many factors which need to be considered when planning your layout. Such things as location (indoor or outdoor) and the amount of space you have. We've been to some events in 3000 square foot houses and others in 1000 square foot houses. Certainly the ones in larger areas made things easier, but even the smaller areas were successful because the host had taken the time to plan his layout.
If at all possible, it is best to create three separate areas to help provide a free flow of guests and help eliminate traffic jams. One area will feature the food. Another will contain your drinks and drinkware. The third area will be used for plates, napkins, utensils and items of that sort.
Without a doubt, the food area will be the most popular, so here are a few tips to help in that area. The first thing to consider is the option of setting the food on a table that will allow people to walk completely around it. The idea of setting plates, etc. in a separate area will allow people to pick up a plate and proceed to an open area of the food table in order to begin serving themselves. With the plates at one end of the food table, everyone feels obliged to walk around the whole table, even if the food the desire is at the very end.
Now in setting up the food itself, there are a couple of things to consider. It is best to put what you believe will be the most popular food in the center of the table. This will allow your guests to have easy access from anywhere. Also, it is always a good idea to place any sauces near the edge of the table. This will prevent accidental spills into other foods which may make them unpleasing to your guests.
Now close your eyes and start dreaming of the wonderful layout you have designed for your guests.
Cleaning
As the saying goes, "cleanliness is next to godliness". Unfortunately, cleaning is probably the least
glamorous task at hand. However, it is also one of the most important because it leads to the next major
area, presentation.
It is best to do as much of the major cleaning as possible on the day before the special event. This will
help prevent wearing yourself out on the appointed day or cleaning too early and finding it necessary to
reclean. We've included a handy check list and some pointers that we've learned from experience.
This is all going to sound like pretty common sense information, but while being in the middle of
preparation, it is sometimes easy to overlook even the most basic elements.
Checklist:
Kitchen:
_____ Clear off as much as possible from coutertops. This will help the area to look neat and uncluttered.
It is expected to see certain things on a counter top such as a coffee maker, canister set or a
cookie jar. But the 3 cans of soup you bought last week should be put in their proper place.
_____ Clean all dirty dishes. Nothing says unprepared like walking into a kitchen with a sink full of dirty dishes.
_____ Once the dishes have been cleaned, store them properly.
_____ Have a trash can available in the vicinity of the serving area if this is not a formal dinner. Always be sure to use a clean trash bag. If necessary, take a half full bag and store it out of the way until the event is over.
Bathroom:
_____ Clean the toilet (including the top of the tank) and the sink.
_____ Again, clear off as much as possible from coutertops.
_____ Do you have a large family? Are there various towels and washcloths hanging around? Put them all in a clothes hamper. It looks so much neater that way.
_____ Place clean towels in a area where it is convenient for your guests to dry their hands.
_____ If you have one of those liquid soap dispensers, ensure that it is atleast half full. Totally filled is best.
_____ Place a spare roll or two of toilet paper where they can easily be seen. A small basket holding these can add to the overall appearance.
_____ It looks best if the shower curtain is drawn shut. This will also hide any clutter from shampoo bottles, etc. If there are doors on the shower, shut them.
Serving/Eating Area:
_____ Clean all corners and baseboards. These areas tend to be neglected during routine cleaning.
_____ Dust any horizontal surfaces. This is another area that can be overlooked from time to time.
_____ If you are using a room that will feature a view of the outdoors, take time to thoroughly clean any windows.
And you're done! Now that wasn't so bad after all.
Presentation
Congratulations!!! You've made it through the most difficult section, preparation and moved on to presentation. This is the area that is featured by most people, but we believe good preparation leads to good presentation.
While it is important to consider the layout and presentation of the food serving area, we feel that some time should be taken to consider the overall appearance of your event area with the food starting out as the focal point. As you are undoubtedly aware, the serving area will become unkempt, therefore, it is a good idea to include the entire event area when working on presentation.
One point to consider is the style of the serving dishes. Once again, this will be somewhat dictated by the location of your event. There are those who prefer the clear or colored glass type of serving dishes. Others prefer a ceramic dish. The choice is yours. Since this is a special event, we suggest refraining from the use of cheap plastic serving dishes if at all possible. Many people have told us they've picked up quite a collection over time discount stores. Some have even told us of finds they've made at dollar stores.
The next thing you might want to think about is the use of a center piece. While there is nothing wrong with this, we are of the belief that the food itself is the center piece.
Now that your guests have enjoyed the food that you have prepared, it is time for them to relax, mingle and talk with each other. A nice idea that we've seen to help promote conversation during the quiet periods is to place a few photo albums in an area where your guests can browse them. This is especially helpful if you have a group of people that tends to spend a lot of time together. As they flip through the pages they will recall bygone days that you've spent together. If you have children, maybe an album of kids photos as they were growing up. This may spark memories of their own children or even their childhood which can lead to some pretty interesting conversations.
Another idea we've been made aware of is setting out a conversation starter book. An example we've seen is a book that asks questions about Christmas. There were questions such as 'what was your favorite Christmas gift.'
Remember, even though you may be dealing with adults, they're still children at heart.
Produation
You may be asking yourself, as many before you have, "what is produlation?" It is the euphoric feeling you
get when you PRODuce a premier event and receive the congratULATIONS of all who attend. You've done such a
fine job you can even congratulate yourself.
You've put all of the hard work behind you. As you were preparing, I'm sure there were times when you were
asking yourself if it was worth it. Now you know it was, so ENJOY yourself!!!
One last thing, which will help the produlation continue. If you read the menu sectionFree Web Content, the produlation will
continue as you pull out some of the food you've held back and restock your party feast.
Choosing the right car
We all dream about the car we’d like, Maybe we see one in the street and think “that’s the one for me" then, being fickle, will see another a little further along the street and say “No, that’s the car I want!".
Don’t worry, this is quite normal, very few people know exactly what they want.
Here, we give you some considerations on choosing the right car for you so you don’t end up saddled with a car that, frankly, disappoints you! Remember that you are likely to spend a lot of your time sitting in it and the model you choose will say a lot about you to other people.
What will be your new car’s main purpose?
Your lifestyle and what your new car will be used for is the very first thing you need to think about. Basically, your dream car may be TT Roadster (a two-seater) bit if the car is to be used to drop the kids off to school, then it really won’t be suitable!
Consider this ….
• Is the car going to be used for family trips?
• commuting to work in? (then choose a diesel to get the most from your fuel)
• will it be a sporty second car for week-ends?
• Does it need to used for off-roading?
• Will it be needed for business?
• Are you married or single? Do you have children? etc etc
This will then help you build a picture in mind of the car that is realistically right for you
The costs
Another important consideration is running costs:
• What insurance group is the car? The higher the group, the more your insurance premium will be
• If your car is going to do a lot of mileage (over 12,000 miles a year), then think about choosing a car with a diesel engine – these are better on fuel consumption
• More expensive cars will have higher servicing and maintenance bills
Comfort
Depending on what purpose your car is used for, comfort is a consideration.
For commuting or high mileage vehicles, the car should be of the optimum comfort and, ideally, have air conditioning.
If it is a fun car, say a sporty number for weekends, then be prepared that the ride will be slightly harder (but a lot of fun!)
Featured Merchant
By now you should have a good idea of the type of car you want and what it needs to be like to suit your circumstances!
Now, think about how much you can comfortably afford and start doing your research!
The internet is a good place to start looking, you can research prices, specifications and, if you are after a new car, for a bit of fun, you can even visit a manufacturers site and build a car to your own specifications!
Also, scour the motor section of your local newspaper to see what finance deals and offers are on at local dealerships. You could pick up a good deal!
Happy Motoring!
A Little About Backpacking
Backpacking is a fun hobby and sport. It is challenging and adventurous. It appeals to young and old, male and female. It is something anyone can do and there are countless options on how and where to do it. Backpacking is a great way to get exercise and have fun at the same time. Read on to learn more about what backpacking is all about.
Backpacking is the combination of hiking and camping. Backpacking trips involve hiking through wilderness areas and camping overnight. A backpacker carries everything they need on their back. A backpacking trip can last one night or multiple nights. The longer the trip, the more that must be packed and carried, so the planning for both packing and the trip is essential. Some areas that are very popular backpacking destinations will have camp sites set up. They may simply have a fire ring and posted maps or they can have cabins. Other areas may have nothing at all and backpackers set up their camp wherever they find a good spot.
There is a community in backpacking. Everyone works together to preserve the wilderness that they love. There are certain accepted and unaccepted behaviors in backpacking. Backpackers try not to disturb or damage the area they travel in. They clean up all traces of their camp and never litter or take anything along their travels.
Backpacking requires a person to always keep safety in mind. There are many hazards in backpacking and a person who does not think about being safe is sure to fall prey. The backpack itself can pose problems if a person does not learn how to fit it and pack it properly. The physical activity can be strenuous and a person must be conditioned to handle walking through uneven and rough terrain. First aid and general wilderness safety is another thing a backpacker must know. It is easy to get lost and hurt in the wilderness, so every backpacker must have a good handle on staying safe.
People backpack for different reasons. Some do it for the excellent exercise. Some people like backpacking because of the adventure and love of nature. Others backpack as a way to learn and explore the outdoors. Whatever reason people backpack, there are large numbers of them and they continue to explore, love and walk through the wilderness with the common goal of a good backpacking experience.
Read more...Car Buying Scams
The first money wasting scam deals with etching the vehicle’s VIN# on the window. In some cases a dealership will try to make you pay for this added feature. Please don’t fall for this trick. No lender will require you to pay for any extra options that you don’t require. To be honest all they really care about is whether or not your payments are on time.
Be on the look out for the phrase “subject to loan approval". Almost every car loan will have this phrase in it and trust me when I say that some dealerships will try and exploit you out of more money using this phrase as the reason why. This scam is usually pulled on consumers that may have bad credit so if your credit score is good you shouldn’t have to worry about being taken advantage of by the dealership. The bad news is for those that are taken advantage of it usually means upwards of $1000 more in finance fees and an additional $50 a month added to your car payment. One way to avoid this scam is to finance the car through your own bank or credit union.
The most abused scam is the credit score scam. This is where the car dealership tells you that your credit score is lower then what it actually is in order to charge you a higher finance rate on your car loan. No one is immune to this scam because the dealership doesn’t care if you have good or bad credit when they attempt to con you. The best way to deal with this greediness is to bring a copy of your credit score with you when you go looking to buy a new car. That way there is no confusion as to what your credit score truly is.
Another favorite scam is the forced warranty scam where the auto dealership will insist that in order to qualify for the car loan you will need to purchase a $2000 2 or 3 year warranty. The bottom line upfront is that it’s hogwash and you don’t need the warranty.
Here’s a good scam that I’m sure you’ve seen often. It’s called the dealer prep scam. Yes that’s right I’m talking about that extra $500 that seems to appear on your contract to compensate the dealer for basically doing nothing since the car arrives in the dealership ready to be driven off the car lot to a prospective buyer. Try an avoid paying this if you can otherwise find a dealer that will knock this ridiculous charge off of the contract.
The dealer markup fee is another phony fee that is made up just to pad the car dealership’s profit margin. This is an unnecessary fee that the dealer charges for no reason other than greed. This fee can be seen on the orange sticker marked on the manufacturer’s suggested retail price (MSRP).
These are just a few of the many scams that can surface from time to time when you are attempting to buy a new car. Although these practices to go on there are many trustworthy car dealerships that can and will sale you a car for the right amount of money allowing you to purchase the car without getting ripped off and still allow the dealership the opportunity to make the compensation they deserve for their efforts. The trick is to find that dealership. Best of luck to you.
Read more...Travel Insurance Types
Travel insurance is designed to cover any financial loss while travelling abroad or within your own country.
The insurance policy can be arranged either by dedicated insurance companies or it can normally be taken at the point of booking the holiday via the travel agent or booking agent.
There are several different types of travel insurance policies that can be purchased:
- Annual insurance – This will cover you for 12 months
- Single trip insurance – Will cover for a specified time period and trip
- Multi trip insurance – This type of insurance will cover a set amount of trips
- Backpacker insurance – Travelling alone with no fixed hotel or travel plans
- Ski Insurance – High risk sports require specific insurance policies
- Snowboarding insurance – Same as ski insurance
- Student insurance - Different policy details for younger travellers
What can travel insurance cover?
Travel insurance generally covers you for specific incidents that happen whilst on your holiday. Some of the below may be covered but it is always recommended to check with your travel insurance provider:
- Cancellation of your holiday
- Delayed departure at the air port or sea port
- Loss, theft or damage to personal possessions and money
- Delayed baggage
- Medical expenses whilst abroad
- Emergency evacuation
- Overseas funeral expenses
- Accidental death, injury or disablement benefit
- Legal assistance
Thursday, 29 January 2009
Limitations of Wind Energy
No electricity when there is any wind
The limitation of wind power is that no electricity is produced when the wind is not blowing. Thus, it cannot be used as a dependable source of base load power. Utilities and merchant generators will not invest huge sums of money into a technology that does not work when the wind is not blowing. Americans want the lights on when they flip the switch, no questions asked. Wind power will probably increase its market share when we develop a 'smart grid' that can handle multiple distributed generation input sources of electrical power.
Wind Turbines Killing Migrating Birds
It has been estimated that about 45,000 birds (golden eagles, kestrels and red-tailed hawks) have been killed over the past twenty years by the whirling blades of wind turbines. The rows of spinning blades at Altamont Pass, east of San Francisco, turn wind into electricity, but they are killing many predatory birds whose annual migration route includes the pass. Past attempts to reduce bird kills have included painting the tips of turbine blades to try to make them more visible to birds and installing screens around generators. These measures have failed to substantially lower the number of bird deaths.
Bat kills are the latest big problem for wind farmers. Researcher's estimate that 1,500 to 4,000 bats were killed at the Mountaineer Wind Energy Center in Western Maryland in 2004. This is raising concerns about an expansion of wind turbine use at Backbon Mountain in Maryland, where Clipper Wind power, Inc.of California is planning to build a project 20 miles away from the Mountaineer site.
Solutions of limitations:
We should build wind turbines where there is too much of wind like near sea so there will be 24 hours electricity and the problem of electricity will be solved and there are less birds near sea so the problem of killing birds will also be solved.
Selecting a Cell Phone
More Than Just a Phone
Selecting a cell phone is no longer just about mobile communication – it is now a lifestyle choice. If you don’t select the phone that fits your personality, you won’t be happy with it. New cell phones are beginning to have little in common with earlier cell phones. The new models feature color screens, digital cameras, high-speed internet connections, multimedia games, and music playback. In case you were wondering, you can also use them to make phone calls. It’s only a matter of time before everyone has these features on their cell phones.
Text messaging or “texting" is now available standard on most cell phones. It is similar to instant messaging except that messages are sent and received by cell phones instead of computers. Multimedia messaging allows you to send audio, video, and pictures as an attachment to a text message. Multimedia messaging was once seen as entertainment, but is rapidly becoming valuable to the business world. Real estate agents take photos of houses with their cell phones and employment agencies may use camera phones to photograph job applicants – all away from their office.
Dial In On the Options
Cellular providers in the United States use either GSM or CDMA technology. When you buy a cell phone, it is tied to either GSM or CDMA cellular network, but can't be converted from one to the other. If you ever switch cellular providers, you may also need to switch phones. Most cellular providers now have high-speed data networks. These data networks work with high-end cell phones and special network cards you can purchase for laptops. Data networks usually transmit data slightly faster than a dialup internet connection. These networks are still being developed and are yet to be available everywhere. Look for higher speed networks to be much more common by 2006.
If you want to purchase a camera phone, consider what quality of photos you need to take. Most camera phones have less than a one megapixel resolution, which produces low-quality images. If you need to take clear photos, look into a camera phone with 3 or more megapixels.
Voice Dialing and Bluetooth are becoming standard in many phones to make it easier and safer for people to use their phones while driving. Voice Dialing allows you to speak a person’s name into your phone, which will automatically find the person in your address book and dial the number for you. Bluetooth lets you connect a headset to your phone without wires. Some luxury cars are beginning to offer Bluetooth connectivity so that you can take calls in your car through the built-in speaker system.
Some newer cell phones are being designed with an emphasis on entertainment. They can be used to play music MP3 files, stored video and even movies, and video games. In general, the newer phones are all getting smarter and more specialized.
After you’re done choosing the features that you want, don’t neglect the practical aspects. Look at how often you will need to change the battery, whether the screen and keypad are too big and too small. Also, caveat emptor: most cellular providers lock you into a one or two year contract when you purchase a phone from them. If you cancel your service, they will charge you an early termination fee.
Read more...Trading Forex For A Living
Every trader's goal in life is to trade for a living. Although it is extremely difficult it is attainable.
The first step is to determine how much money you need to pay your everyday bills. When the accumulated monthly profit amount is at least twice as much as the amount you need to live, you may consider taking out 50% of those profits. Once you reach that point you will make a living and your trading account will increase each month and at the same time the amount you deduct from your account will also increase every month from that point on.
To accomplish that goal you need start up capital. Please do not expect to open an account with $3,000 and expect to earn a livable wage from that investment. If you are looking at making around $2000-2500 a month, which is 150 to 250 pip if you are trading whole lots, then you would expect drawdowns of not less than 300 pips. Your initial account won't last very long. You should plan on investing at least $25,000.00 if your goal is to earn around $2,500/month.
There is a very good quote attributed to Dr Alexander Elder who wrote an excellent book called Trading for a Living. That quote is as follows:
Brokerage records indicate that 95 out of 100 people trading today will probably be gone from the markets a year from now. They will hit rock bottom, crumble and leave. They will try to forget trading as they would a bad dream.
In order not to be one of the 95% mentioned above you need to find a system. A good system is the key of financial investing success. If you have your own system or you want to copy some elses system, you need to look at two things first:
1. Maximum Drawdown,
2. Feasibility and hours of trading.
There are a few types of traders:
Casino Traders
Casino Traders are traders making decisions based on instinct alone. Such traders always have two results to expect the price is going to go down, or the price is going to go up. Casino Traders will do their best to follow the trend, but without understanding how a trend works, they will only have past price history to
Bookworm Traders
The Bookworm Trader, has gained Forex knowledge from researching free resources available across the web, participating on Forex forums, reading free e-books, and other materials. It may be a very long time before they are ready to trade confidently.
Educated Traders
As we know, 95% of all traders end up losing, and only 5% survive as successful traders. Before investing money in a live account, they invest in themselves by paying tuition for professional Forex education.
The dream can become reality, it is not easy but it is doable.
Many Forex investors utilize automatic Forex Trading Programs. There are some truly amazing programs available. Do some serious research.
7 Simple Steps To Saving Money On Groceries
* First and foremost, make a grocery budget and stick to it. Consider the amount of money that you have been spending over the last few months at the grocery store and then calculate an average that you can use for your budget. As you get better at finding bargains, you will eventually be able to lower this amount and save even more.
* Discuss and establish a menu that lasts two weeks with the entire family. This will help you to use the same menu items more than once will maintaining a variety in meals. At the same time you will be wasting less time and still keeping everyone in the family satisfied.
* Use the menu (and the recipes for the different items) to develop your grocery list. Be sure to check your pantry, fridge and freezer first so you don't buy too much of an item. It can be helpful to put the grocery list in the order that you will find the items in the store (bakery, deli, dairy, freezer, and meat). Jot down your estimate for the cost and total it up. If you don't come in under budget, you may have to do some adjusting or cutting.
* Go through the paper or search the internet for any coupons that might be available for the items you need. You can ask your friends and family to save coupons for you as well. Match your coupons to the list (and note on the list that you have a coupon and what it is for two for one, off of three, or whatever the discount may be).
* Make a coupon club with friends and family. Have everyone involved bring coupons that they are not going to use and share. You can also form a club on the Internet.
* Search the papers and flyers for any special discounts that are coming up at the grocery stores. The smaller your community, the more limited you may be, but there are still some great buys out there (especially when you can combine them with coupons).
* When it saves you money and is possible, buy in bulk. Make sure to compare prices before buying, since bulk purchases do not always work out to be cheaper. Non-perishable items are the best choices, like paper products and cleaning supplies that you can use any time. If you opt to buy meat in bulk quantities, make sure you repackage it individually before you store them.
These seven tips will help you reduce the money you spend on groceries, letting you put it to good use in some other way.
Learning Effective Money Management
The most common misconception that most people have about the wealthy is that they always drive around in fast and fancy cars, take lavish vacations, and live on large estates. While that may be true of some people, but the majority of the wealthy live normal lives and go to normal jobs. The reason? They realize that uncontrolled spending can lead to uncontrollable credit and unfortunately as has been the trend, bankruptcy. There are several points that one could use to compare their wealth plan with their actions to see if they are truly heading in the right financial direction.
Do You Save? Sure everyone tries to save a little here and there, but to truly become a financial success a regular savings plan that is part of a well-balance budget. Saving money isn't always easy. The advice of a financial advisor or even the use of money management software can help you plot a financial route. Planning for emergencies, educations and even mundane expenses should be part of a budget.
Certainly there are people who have stumbled upon their fortunes either by inheriting it hitting it big in the stock markets. That is a very rare occurrence and those who frivolously invest in every scheme imaginable to strike it rich usually just end up the complete opposite. Again proper money management is key.
Planning to save means that you determine now where you want to be and then follow in a patter of saving and investing that makes it possible to meet that goal. Of course a balanced portfolio utilizes more then just a savings plan. Investing in mutual funds and stocks should really carry and equal share of the load. Good money management also means controlled spending. A perfect example is that of an NFL player.
It is hard to believe that people who make enough in a couple of years for most of us to retire on would have any kind of money problems, but year after year players get themselves into financial binds and end up in the red. The reason is poor spending habits. Spending money on anything from a sports car and matching house for mom to an expensive dog house, they forget how important it is to save thinking they will always have enough. That is almost never the case. For these stars they should be saving more then they are spending in a year to be prepared for premature retirement or other emergencies. Only by controlling spending habits and developing solid money management skills can a person, star or not, ensure that they will be financially secure for the future.
Walk Your Way To Health
Which one will give you the best, most immediate results in terms of aerobic fitness, muscular fitness and flexibility?
We are all searching for answers. We all hope to find the quickest way to improve or maybe regain our health.
But what about walking? Most of us think of walking as something you do maybe to get yourself started again on the road to fitness, but as our primary method of fitness?
Why not?
Here’s some thoughts to consider;
A brisk walk for 30-60 minutes can produce a deficit of as much as 300 to 400 calories depending on your current level of fitness.
Making that same walk just 3 or 4 times a week over the course of a year could result in a weight loss of 16 pounds. That assumes you don’t change your current diet.
Combine that walking with a reasonable diet and the numbers multiply quickly.
Not bad for one of the most underrated exercises of all.
On top of that, research shows that 10 minutes 3 times a day offers the same benefit as 30 minutes 1 time a day. Sorry, no more excuses for not having enough time!
But let’s consider some of the other benefits:
Walking impacts the three major areas of health and fitness; aerobic fitness, muscular strength and flexibility. Not many other activities hit all three at such a consistent level as walking.
When done with proper form walking represents a much lower risk of joint injury than many other forms of exercise.
It can be done almost anywhere. Want to swim? You need a pool or a lake or ocean.
Want to cycle? First you need the equipment and then you need a reasonably safe place to ride.
Still not convinced?
Let’s get personal. In November and December of 2003, while on an extended visit to Michigan, I decided to walk each day. It gave me the opportunity to get out and see the town and meet the people.
When I arrived in Michigan I weighed in at 235 pounds and had a 40 inch waist. I jumped right in the first morning with a good brisk walk. I probably walked 4 miles that first day, but that was enough.
Now mind you I walked every single day for the 60 days I was there, but when I arrived home in California I was a slim 190 pounds with a 31 inch waist.
Yes, that’s 60 days! I walked a lot more than 30 minutes, in fact usually it was more like 2 to 3 hours, but still we’re talking about 60 days not 365 days to lose that kind of weight.
And I felt fantastic to boot!
I’m not saying that everyone will get the same results that I did, but if you got even a quarter of the results in 60 days, you’d be pretty happy wouldn’t you?
Walking is definitely not a myth and I’m not sure it’s a miracle either, but it sure does rank right up there as one of the best all around exercises of all time!
Always consult a physician before beginning any exercise program.
If you would like to learn more about walking and it’s benefits, just drop us a line we’ll hook you up with some other great resources.
Top 7 Tips To Strengthen Your Back Support Muscles
1. Deadbug
Lie fat on your back, bend your knees, and keep your feet flat on the floor. Find the neutral position by flattening your lower back against the floor, then arching it up toward the ceiling and finding the point halfway between. Place your fingers at your sides on the bony area of your pelvis just below your waist. Now tighten your stomach muscles as if you were about to get punched. Lift one foot a couple of inches off the ground while keeping your stomach tight and keeping your back in the neutral position. Then put your foot down and lift the other foot. Keep your hands on your pelvis to make sure that you are tilting your pelvis as you lift your feet. Alternate the feet for 20 repetitions while keeping your pelvis stable. As this gets easier, you can increase the difficulty by lifting your arms as well as legs off the floor.
2. Bridging
Lie flat on your back, bend your knees, and keep your feet flat on the floor. Find the neutral position as illustrated above. After which, lift your hips off the ground, maintaining a neutral position in the lower back and keeping the spinal straight and your weight on your upper back. Life your hips up until you begin to find it difficult to maintain the neutral position. Keep your arms at your side, palms down on the floor to provide stability so your hips do not tilt side to side. Lower to the floor and lift up 20 times. To increase the difficulty of this exercise, do alternate arm and leg lifts while bridging. You can eventually add cuff weights to your ankles.
3. Partial Sit-ups
Lie flat on your back, bend your knees, and keep your feet flat on the floor. Find the neutral position by following the above technique. You can roll up a towel and put it under the small of your back to help you maintain the neutral position. Stretch out your arms and place the palms of your hands on the top of your thighs. Curl up your torso until your fingers touch the top of your knees. Hold this position for a moment, then curl back down. Keep the lower back on the floor the entire time the upper back moves. Now follow the same procedure by stretching both arms straight toward the left knee, then both arms toward the right knee. Repeat 10 times in each direction.
4. Alternate Arm And Leg Lifts
Lie on your stomach and find the neutral position. You can put a folded towel under your stomach to help maintain your alignment. Tighten your abdominal muscles and lift a straight left arm and right leg a few inches off the floor. Make sure that your back does not arch. Raise your arms and legs only as high as you are able to while maintaining the neutral position. Repeat with the opposite arm and leg. Do 20 repetitions.
5. Quadruped Arm And Leg Lifts
Get on your hands and knees. Arch your back up toward the ceiling. Let it sag down so that it dips toward the floor, and then come back up halfway. This is your neutral position. Tighten your abdominal muscles. Raise your straight left arm and right leg while maintaining your spine in the neutral position. Hold this position for a moment and then put your arm and leg down. Repeat with the opposite arm and leg. Do 10 to 20 repetitions.
6. Functional Squats
Stand upright and place your feet shoulder width apart. Find your neutral position and squat down while maintaining it. Your buttocks will move backward, your chest will move forward, and your center of gravity will drop straight down. Your weight should be balanced in the middle of your feet, not on the balls or heels. To avoid knee pain, do not bend your knees more than 90 degrees. Do 10 to 20 repetitions.
7. Leg Lowering
Lie on your back and bend your knees while keeping your feet flat on the floor. Use your abdominal muscles to keep your back in the neutral position, and slowly extend one leg at a time. Then slowly lower that led to the floor while keeping your abdominal muscles tight. Keep the other leg bent, and make sure that your back does not arch. Do 10 to 20 repetitions.