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First, let’s talk about what it means for someone to be “spoiled.” Too Many people do not understand the meaning. Many people make the mistake of thinking that by being loving and positive with a child, they are spoiling the child. That is not true. Being loving and positive with children is the most important and most healthy parenting skill. The classic definition of the term “spoiling” the child is about using an overly permissive and materialistic parenting style. When a parent is overly permissive, they do not make or expect a child to follow rules. They do not shape their child to be responsible members of society. Many rules involve giving a child structure which helps them learn how to become active, productive members of society. When children have no rules, limits or boundaries, they are being raised to become a burden on society. When children are given everything they want, when they want it, they begin to expect that this will occur all their lives. They are then set up to have unrealistic expectations and will be badly disappointed, perhaps even angry, when they are inevitably let down. When children are raised to expect that they will receive whatever they want, whenever they want it, they are being spoiled and raised to be a burden on society.

Using positive discipline with children as they grow up leads to their developing self discipline. Positive discipline involves using a strong firm tone of voice. It does not involve screaming at children. Nor does it involve just letting children do whatever they want. Being firm with children needs to be done from a place within the parent, where she feels secure in her ideas about what is or is not okay for her children to do. This involves foresight; reading, thinking and making decisions about what she believes is important. It involves discussions with all the adults involved in raising the child. For instance, most parents would agree that it is not okay for siblings (or friends) to fight one another to the point of someone getting hurt. Yes, siblings will fight, and, with their parents help children can learn how to have constructive conflicts. If a parent can guide the children, without giving in to either child, or suggesting that one child is always right, the children can learn how to resolve their conflicts constructively. When children fight, if a parent simply walks away, she is not helping children learn constructive conflict resolution skills. When a parent gets overly involved and begins to solve the problem for the children, they don’t learn anything. Teaching children how to resolve conflicts needs to begin during their formative years. It begins by teaching children to respect all life and to be kind to everyone.

One way to do that is to teach children to be kind is by using creatures that are less intelligent and powerful than they are. For instance, most toddlers love to chase birds. That is actually an opportunity to teach the child to be kind to birds. After all, birds are smaller, weaker and less intelligent than the child is. When children learn that it’s not very nice to scare birds and are taught to be interested in and kind to birds, they are learning how to be kind to all life forms. This is one advantage of having pets for your children. Taking care of their own pet is a wonderful way for children to learn how to be kind to, and responsible for another living creature. If parents are consistent in their insistence that the children take care of the pet, the children will do so, eventually. We often have to remind children to do something repeatedly. Sometimes we have to remind them 3 times, other times we have to remind them 103 times. We have to remind children to do something until they get it and begin to do it by themselves. That is healthy discipline. If a parent gives in and starts to do the job herself, the child learns that somebody else will do it eventually.

A big part of discipline is simply learning how to outlast the child. Children can decide that they are going to do what they want to do, when they want to do it, and they can be very persistent. It is amazing how persistent children can be. Parents have to be more so. Parents cannot give in and do things for the children. If parents give in and do things the child should do, they are teaching the child that he does not really have to do anything, and someone else will eventually do it for him. Parents must be more persistent and more patient than children. If parents can outlast a child, they will be increasing their own skills in persistence and patience.

One of the most basic realities of life is work. Everyone has to work. Good work is gratifying and fulfilling. Taking part in the production of something positive is a valuable part of positive self-esteem. When children do not have to do any work in the house, they do not learn how to cope with work in the world and they are not learning what they can do to feel good about themselves. A job well done is very gratifying. The same is true of school homework. Homework and housework are part of our everyday lives. When children are taught, during their toddler year to pick up after themselves, to put a toy away when they are finished with it, they are learning how to be responsible for their belongings and space, they are learning self care. If children are taught this basic skill early in life they will not have a problem later on, when they are teenagers. Many parents are not persistent and consistent in teaching their children to pick up after themselves when they are toddlers and then they wonder why the adolescent is messy. Not teaching your children how to take care of her belongings or space is part of spoiling a child. Spoiling a child in this manner will also undermine her self esteem. Having good work to feel proud of is part of building healthy self-esteem.

Manners are another area of importance. No, I am not talking about learning to use the right fork at a fancy dinner, nor any of the superfluous overdeveloped manners that one might expect in high society. I am talking about very basic manners such as using the word “please” when asking for something and using the words “thank-you” after receiving what you want. When children are raised to use these two words from a very early age on, they learn to respect what is being done for them. When my oldest child was about a year old, the first word he learned to say was “cookie,” it came out sounding like, “gooky”. I realized if he could say cookie well enough that I could understand it, he could also say, “Please”. The next time he said, “gooky, gooky, gooky,” I held onto the cookie and said, “Cookie, please”. It did not take him long to add the word, “please” to his repertoire. It sounded like, “gooky, pease!” It was charming and became a game until he absorbed the word, “Please.” I used a similar method to help him learn how to say, “thank you”. I put the cookie in his hand, but kept my hand on the cookie until he repeated, “thank you.” Again, it was a game that he enjoyed learning. As he experienced more situations in which those two words were appropriate, he began to understand that those two words had little to do with what was being given to him and more to do with a way of interacting pleasantly and respectfully with other people. My approach was pleasant and firm. I had to use a polite approach, because how can you teach a child to be polite if you don’t use a teaching manner that is polite?

The most important technique for the parent/teacher to use is being polite him or herself. Many of us remember the experience of having a parent or teacher scream, rudely, at us “you’re being rude to me!” Unfortunately, quite often, they did not realize how rude they were being. So, using a polite teaching manner with our children is vital when we are trying to teach them manners. In order to teach my children the value of holding a door open for another person, I held doors open for them. I taught by example and that has paid off. Now they hold doors open for me, not because they feel they have to, but because I did it for them for so long. Another technique I used is to praise them a great deal when they hold doors for other people. Positive feedback is the best kind of feedback there is.

It’s a very sad condition when healthy children are so spoiled by parents that they become more of a burden on society. In a world where there are so many who are poverty-stricken, we need more children to grow up to be adults with a value system that includes helping those who have less than they have. Giving children everything they want, when they want it results in their not appreciating what they do have. When they don’t appreciate what they do have, they want more. As long as they are focused on wanting more, they will be unable to see the many people in the world who have so much less than they have.

There is no need for anyone in our world to starve to death or die from a lack of water. Our world is filled with plentiful resources for everyone. What is needed is for everyone to recognize that and to begin to find ways to share those resources with everyone else. Children, who are raised with that knowledge and the ability to care for others, will help to resolve many of these issues.

Anne is a Board Certified Registered art therapist and Licensed Professional Counselor. Anne has been studying human development and relationships for over 45 years. She has been successfully working with families, in various capacities, for over 20 years. Her private practice is in the Mt. Airy section of Philadelphia PA. She specializes in helping people recover from various types of trauma, difficult changes and loss. Anne has an unusual ability to connect with children and adolescents, along with their parents. Parenting is the most important job we ever do, yet no one shows us how to do it or gives us the support we need. Anne has successfully coached many parents through a variety of critical stages in their children’s lives. Annes greatest joy is helping people understand themselves and each other.

http://www.annescreativetherapy.com

Corporate marketing groups – especially bandwidth-challenged small-to-mid-sized departments – can be so focused on tactics and fire fighting that they jeopardize their marketing investment. There is a tendency to overreact to events, to tackle symptoms rather than underlying fundamental problems and to jump at the opportunity to please the boss. Many times, this kind of tactical knee jerking may be fatal.

Without great marketing, companies won’t flourish, especially those in highly

competitive markets. Yet the chaotic nature of emerging or dynamic growth

companies and the tendency to place the marketing burden on too few individuals is

a setup for failure. Promising companies may be left in the dust, or at least

handicapped at the starting gate.

Marketing Operations is emerging as an important discipline for improving

performance and measuring ROI in admired technology companies (like Intel, IBM

and Amazon) who have refined and fine-tuned their marketing organization with an

operational focus. Given the demands that these organizations face today, an

innovative approach is central to solving critical issues like results measurement,

bandwidth constraints and creativity limitations, and building value-added

outsourced supplier relationships and effectively managing budget. Many of the

best practices, efficient processes and systems approach from large company

Marketing Operations can and should be applied by emerging companies that are

serious about their marketing investment. Here’s why:

PROBLEM #1

Ill-defined metrics

Today, more than ever, corporate marketing departments need to justify their

existence. The need to measure results is unavoidable. However, the instincts and

skills that make an outbound marketing practitioner great-action-orientation,

verbal and written acuity, persuasiveness, the ability to build strong relationships-

often don’t translate into an ability or willingness to scientifically and objectively

evaluate success. Add in broken systems and the organization’s unwillingness to

pay for marketing evaluation, and it’s no surprise that many marketing departments

are unable to define meaningful success metrics.

SOLUTION

Marketing Operations ensures that the right processes are in place to establish

meaningful metrics at the front-end of marketing process, enabling the

measurement of success at key intervals, and as each program concludes.

PROBLEM #2

Slammed resources

The prevailing attitude of “doing more with less” can leave key people discouraged,

overwhelmed, near burnout, and eventually, circulating their

resumes. The consequences for organizations are costly mistakes, high turnover,

and collapsed programs when key people leave, and missed opportunities to

leverage the “ugly-stepsister-Cinderella-in-waiting” programs that never get off the

ground because of a lack of ownership.

SOLUTION

Marketing Operations addresses these resource limitations by ensuring workload is

effectively allocated, roles are clearly defined, interdependencies are understood,

team members feel satisfied with their jobs and the programs and additional

resources, whether through additional headcount or outsourcing, can be

successfully justified to executive management.

PROBLEM #3

Sketchy institutional memory

Marketing is dependent on accurate information, a historical view into past

successes and failures, and the ability to recognize patterns that link seemingly

unrelated data points. Unfortunately, knowledge in many marketing organizations is

scattered all over the company. It’s in the heads of individual workers, on shelves,

on people’s hard drives, in long forgotten filing systems. When people leave, a big

piece of organizational knowledge goes with them. Information loss is a huge

productivity killer for marketing teams. Lost insight that must be regained or

reacquired wastes previous marketing investments.

SOLUTION

Marketing Operations facilitates knowledge sharing, an enduring repository of

information and greater decision-making based on fact, as opposed to hunch.

PROBLEM #4

Constrained creativity

The best creativity comes from many brains working together in collaboration. A

consequence of the age of the “individual contributor” director is constrained

creativity. When the entire creative burden falls mostly on one outbound marketing

person, the ability to think out of the box can be severely impacted. Creative

synergy results from many minds thinking as one.

SOLUTION

Marketing Operations enables the creative process to benefit from the synergy of

team.

PROBLEM #5

Failed supplier relationships

Most successful companies can point to strong, long-term marketing supplier

relationships as integral to their success. Likewise, a pattern of failed supplier

relationships is often an indicator of marketing department failure, rather than poor

vendor performance. Unfortunately, companies that have had consistently bad

relationships with outsource suppliers often react by seizing control and bringing

everything in house. While this strategy may provides the illusion of control, it lets

marketing managers deflect blame for failures, rather than teaching them how to

manage their outsource suppliers by taking responsibility for the results. In

addition, this strategy won’t scale with the growth of the organization.

SOLUTION

Marketing Operations helps set realistic expectations and mutual accountability

between suppliers and the organization, increasing the effectiveness of outsource

partners by empowering them to act as an extension of the internal team.

PROBLEM #6

Lost discretionary budgets

Use it or lose it. Misuse it and lose it anyway. Many corporate marketing

departments are leaving discretionary budget on the table or allocating it to

the wrong initiatives. This discretionary marketing budget “Catch 22″ occurs

because:

o It’s very time consuming to manage the budget effectively, especially in companies

with broken financial systems

o Each marketing spend-decision creates more work for the one-person or small-

team

marketing department in terms of project management, measurement, supplier

management, etc.

o Doubt persists about the ability to successfully justify the expenditure to

management

o Focus is instinctively on high-visibility marketing activities and C-level executive

“requests” over fiscal management (marketing people are more inclined toward

marketing than finance)

SOLUTION

Marketing Operations facilitates implementing the system support infrastructure

and financial management discipline needed to protect precious marketing budgets.

PROBLEM #7

Narrow marketing mix

Many companies align their fate with the success of too few marketing programs.

Whether it’s lead generation, public relations, trade shows or advertising, the over-

reliance on any one particular program can derail a company-especially if a key

program unexpectedly loses momentum. In the meantime, programs that could

have had strong leverage never get a chance to prove their mettle and are forever

relegated to the “B” list.

SOLUTION

Marketing Operations puts the means in place to launch potentially high-value

marketing programs that would never otherwise get out of the starting gate.

The Bottom Line

In a nutshell, Marketing Operations is an organization’s best bet to:

o Ensure that success can be measured and replicated

o Leverage systems and processes to enable consistently excellent performance

o Encourage great marketing departments to stay together

o Allow the marketing organization to flourish, despite the unexpected, but often

inevitable, loss of a key employee.

Gary M. Katz, APR, is president and CEO of CommPros Group, a Santa-Clara, Calif.- based firm that provides marketing operations services to help companies leverage their marketing investment, plus a variety of outsourced marketing program management services to support lean marketing departments. Gary is a veteran with more than twenty years of experience in the technology industry where he directed corporate marketing, communications, public relations, lead generation and qualification, investor relations, and employee communications programs. He has served as director of communications for ShoreTel, director of corporate marketing for Aplix Corporation, senior manager of corporate communications for Insignia Solutions, and as a director, account supervisor, or preferred subcontractor for more than a dozen leading public relations and marketing communications agencies. A past president of Silicon Valley PRSA, he holds a master’s degree in organization development from the University of San Francisco and a BA degree in public relations from San Jose State University.

If you are like much of the population, your four-legged friend is your first “baby.” Many people worry needlessly about how their dog will handle a baby in their life. Many owners think of getting rid of the family pets because of fears that they will harm the baby. Please do not do this unless there is no other option. Most dogs, when treated and trained properly, can handle life with a newborn very well.

Children and pets make wonderful companions when raised properly together and taught how to behave with each other. Children that grow up in a home with pets learn respect and love for animals, and more importantly, respect for life. As the children grow older they can learn responsibility by helping to care for the animals. Animals enrich our and our children’s lives beyond belief.

Having a baby can cause problems for both humans and dogs, as the dog tends to be treated differently, and because of this, may act differently. Some owners baby the dog more, causing the dog to become spoiled and hard to handle. Other owners get over-stressed and punish the dog for normal, curious behavior toward the baby. Often our pets are the center of our world, our “babies” if you would, and can get “jealous” if not equipped to handle losing that status to the new baby. If you are willing to make the time and effort to prepare your pets for the new arrival, everyone can live in harmony.

Sometimes the dogs become overprotective of the baby. Many owners enjoy and even prefer the dog being a guard for the baby. While it is normal for the dog to become protective of the baby, it is dangerous for the dog to become overprotective and not let anyone near the baby. All of the above scenarios can lead to the dog being kicked out of the house!

As you are making preparations to bring home baby, you need to prepare your dog(s) for the same in advance if possible. While most dogs will be very gentle with the baby, many dogs do not see babies as humans because of their size, smell, and the strange noises they make. By taking the time to give your dog some extra love and attention he should be fine and not turn to bad behavior to get your attention. You need to prepare and educate your dog for what lies ahead. This will ensure that they are ready and willing to accept the new family member with open and loving paws.

Using calming remedies (herbs, aromatherapy, oils) and or prescription medications are also an option to help facilitate a better behaved dog. You can talk to your veterinarian to inquire about these products and the implications associated with their use. I am a believer in the holistic approach whenever possible, instead of using drugs.

Please, please always be aware that your dog is an animal and animals can bite or do harm to a baby, intentionally or unintentionally. No matter how well-behaved or loving your dog is NEVER LEAVE YOUR DOG ALONE WITH YOUR BABY! I cannot stress this enough. Accidents can happen. You do not want to harm your baby or have to get rid of your dog because of an unfortunate, and possibly avoidable, incident.

If you are unsure that your dog will accept your new baby, please seek the advice of a professional trainer or behaviorist before making any decisions.

Believe it or not, your behavior with, and toward your dog matters. It can make or break your dog’s acceptance of and respect for your baby. If you act like a leader, you will be treated like a leader. You want your dog to respect every human being in your household, including your baby. You must teach your dog respect for the baby. This will make life easier for all those involved.

Be firm but fair-

Do not let your dog get away with things, but don’t be a drill sergeant either! Try to make any corrections as gentle as possible, but make sure they are effective. Try to have fun with your dog and the training – you both need to enjoy it or neither one will want to continue!

Your tone of voice matters-

DO NOT YELL at your dog! Convey the meaning of the command through the tone of voice – match your voice to what you are telling your dog. Commands should be short and succinct, in a low, almost growling voice. Your voice should not get higher as you give the command. Do not sing to your dog or ask the dog a question! You will not get the answer you want! When giving praise, sound like you mean it! It should be the opposite of a command – higher pitched and enthusiastic. If your dog gets overly excited when you praise him, tone it down a bit and speak softly. Your dog will still understand that he is doing a good job, but he will be less likely to jump around and be crazy.

Be calm and assertive-

Our dogs feed off of our energies and emotions. This affects their behaviors and reactions. If we are relaxed and confident, our dogs will feel the same, and know that we are LEADING them, and they do not have to lead us.

Use a crate-

If your dog does not already use a crate, now is the time to start. A crate is not cruel, it can actually be a wonderful and safe place for your dog. Confining your dog at certain times, such as for sleep or times when you cannot supervise, is no different than putting your baby in its crib for the same. It is actually very easy to teach your dog to accept being in the crate. Most people think that a dog who has not used a crate before will have a hard time, but that is not usually true. My two older dogs started using the crate when they were 7 and 8 years old, about the time my son started crawling and exploring on his own. This allowed me to know that both my child and my dogs were safe and nothing bad could happen. Your child can be hurt by your dog as easy as your child could hurt your dog. The problem lies in the fact that if the dog makes even the slightest threat to your baby or even inadvertently hurts your baby, it is your dog’s fault. It is not fair to the dog for something like that to happen because you were not supervising the two together at all times!

Eliminate bad manners-

Bad manners cannot be accepted as they can be dangerous to a new baby and a new mom. Jumping and nipping are behaviors that need to be stopped right away. Stealing and rough-play also need to be nipped in the bud immediately.

Teach your dog how to be calm and gentle, by praising and treating this behavior.

Working commands into everyday life and play makes listening easy and normal for your dog. It becomes natural to the dog and it is less-likely that your dog will be out-of-control. It is also good for you too, as it makes sure that you are training your dog everyday, making you the leader – not the follower.

Exercise is key for good behavior-

As I stated earlier in the guide, exercise is imperative for your dog. This ensures that your dog will be better behaved because it doesn’t have the energy to misbehave! Regular walks are important. If you do not have the time to walk for miles, using a doggie backpack can make a short walk seem like a long walk for your dog. A dog backpack immediately puts your dog into work mode, which will help to tire her brain. If you evenly balance some weight on each side, such as water bottles, it will further the amount of physical energy that is expended by your dog. Teaching your dog to walk nicely next to the stroller is also important. It is very difficult and dangerous to have a dog pulling and out of control while trying to maneuver a stroller. If you plan to use a baby carrier, sling, backpack or car seat your dog needs to behave on the leash and walk with you, not pull you. It is a good idea to practice with the equipment before baby comes (use a doll in place of the baby) so that you can work out any kinks or problems.

Have regular obedience sessions with your dog so that she does not forget her commands and remembers that she has to listen at all times. This also helps to tire her brain! Try to work the commands into everyday life so that it becomes second nature to her.

Is your dog allowed on your furniture?-

If your dog is currently allowed on the furniture you may want to reconsider this as your baby will likely be on the furniture a lot. Dog hair and dirt can irritate your baby. You also don’t want to have to constantly clean up after the dog. Your dog could also inadvertently injure the baby jumping up on the furniture or repositioning himself. It’s best to restrict access to the furniture so that problems do not occur.

Time-out for your dog-

Be sure you give your dog time away from the baby to settle. Time outs are an effective tool to allow your dog to keep its sanity and also for when they are doing something wrong.

Your new schedule and your dog-

It is time to readjust the dog’s schedule to acquaint her with the upcoming changes. Think realistically about the time you will have for the dog for things such as walks, feeding, potty breaks, play and attention. Try to keep the schedule consistent for your dog so that she does not feel unnecessary stress from the changes that are happening before your baby arrives. Having as little disruptions as possible will help to accomplish this goal. Once your dog feels secure and is used to the new routine, try to start having slight variations in your daily happenings. When your baby arrives things do not always go as planned. You can have every intention of staying on schedule and inevitably something will change that schedule! Babies do not follow schedules! Do try to stay on schedule, when possible, so that your dog is allowed some semblance of a routine. Dogs feel safety when the rules and routines stay the same.

Pay less attention to your dog-

It is now time to teach the dog to expect less attention from you in one sitting. Once the baby arrives you will not have the same amount of quality time to spend with your dog, but it is still essential to make time for your dog. Schedule regular 5 to 10 minute sessions each day where you pay full attention to your dog. You can do things such as play, grooming, petting or just talk to your dog. This allows your dog to understand that he is still an important part of your life. You need to teach the dog that this time may be with or without the baby. This is also a good time for you to relax and unwind as pets are very therapeutic. Be aware that if you have more than one pet, each will need individual attention if possible. You can also give the pack the attention at the same time, providing they get along, or allow them to play together to burn energy.

Your dog needs to be calm and balanced-

You need to make sure that your dog is calm and balanced before baby comes into the house. It is very important for your dog to learn how to be calm so that he does not hurt you or the baby. Your dog needs to be balanced so that he does not stress needlessly and act out inappropriately. If your dog is not calm and balanced there are ways to help you accomplish this. Training and exercise are good places to start to achieve a calm and balanced dog. If these do not work your dog may have something wrong with him, such as a mental or physical problem. Consult with your vet and local canine behaviorist or trainer. They should be able to steer you in the right direction. They can help advise you of the route you should take, whether behavior modification, medication, or holistic remedies.

Is your dog gentle?-

Teaching your dog how to be gentle is extremely important so that he will not inadvertently hurt the baby. Many dogs use their teeth too much and need to be taught the proper way to use their mouths – without the teeth!

Does your dog jump?-

If your dog is a jumper, teaching proper greetings will help to curb this problem. It is vital that your dog can see people without jumping or getting overly excited. When the baby comes home there will probably be lots of people visiting and he will need to be on his best behavior. It also facilitates the proper, gentle behavior your dog should have around the baby.

How will my dog handle the baby being rough with her?-

Teaching your dog what to physically expect from your baby is extremely important so that she is able to cope with and know what to do when baby pulls, hits or pushes her. Infants and children are not necessarily gentle by nature, and have to be taught how to be so. Your dog also needs to learn how to deal with these behaviors from his small leaders. Start to gently handle your dog in a rougher fashion while praising good behavior and gently, if possible, correcting inappropriate behavior such as nipping or mouthing. Children tend to pet roughly, pull ears and tails, put their hands in the dog’s face and touch sensitive areas on the dog. You need to mimic these behaviors in order to teach your dog what to expect and how to deal with it appropriately. Make it a daily habit to have time on the floor with your dog touching every part of his body in a loving fashion. This is good because it allows the dog to accept touch in areas that it may not want touched. It also teaches the dog to be gentle while on the floor and to be submissive to you and your baby. Do this slowly and your dog will understand

Obedience training your dog-

Your dog needs to be obedience trained and have basic manners. I suggest that you enroll in a training class if you can. Check your local training clubs, or facilities, for classes and make sure to observe a class so that you can see how they train. Make sure that you are comfortable with their techniques and the instructors. If you are not allowed to observe a class, please look elsewhere. Trainers who are legitimate should have no problem with this and encourage you to do so.

The following are some basic commands and actions that your dog should be able to do to ensure that he will listen and be under control:

• Walk nicely on a leash
• Sit
• Down
• Stay
• Leave-it
• NO
• Understand boundaries
• Quiet
• Attention/Look
• Drop-it
• Go to Your Spot/Place

Teaching the dog to respond to hand signals will also be beneficial. A sleeping baby is less likely to get woken up if you are not talking.

It is also a good idea to teach your dog to accept wearing a leash – in and out of the house. This ensures that you have control over your dog and tends to help make the dog better behaved. Most towns and cities have leash laws so it is imperative that your dog get used to the leash. You should also walk your dog everyday. This gives your dog mental stimulation, as well as physical exercise, which helps to tire them out, thus making them less likely to get into trouble and an overall better behaved dog.

Spot, Go To Your Spot!-

The “Go to Your Spot” command is a great command to have in your arsenal for a well-behaved dog. You can use this exercise to allow your dog to be with you and not underfoot, or keep your dog at a distance and still know where he is and what he’s doing. It teaches your dog to go lie down on a rug or blanket and stay until released.

Long down stays are important in general, whether or not he is “in a spot”, because they help you to maintain control over your dog. By your dog having to work for you, it facilitates a relationship in which you are dominant (in charge or the alpha figure) in your and your dog’s mind.

Teach your dog what he can chew on-

All dogs chew. Each has a specific reason for it, and has a physical need to chew. They need to chew to exercise their jaws as well as to let out pent up frustrations. Excessive chewing can also be a breed trait. To help avoid problems, do not set yourself up for failure.

Soiling in the house-

If your dog has an accident in the house, or is not housetrained, you need to clean it properly to avoid further “accidents” or remarking of the same areas and to maintain a sanitary environment. Dog feces can contain parasites and other unwanted disease. Giardia, E-Coli, other worms and parasites are sometimes present in the feces and many are transferrable to humans.

Use high-value treats-

Use treats of high value – treats your dog loves and doesn’t normally get – when dealing with new baby sights, sounds and scents. This tells your dog that these are good things, and that he should like them and associate them with rewards, instead of feeling malice or fear towards them. Make sure to keep the treats special, and only use them for the purposes of getting your pup familiar with what the new baby will be like.

The health and cleanliness of your dog is vital-

It is essential that your dog has a clean bill of health and is clean before you bring your baby home. Take your dog to the vet for a check-up to make sure that he has no health problems as these can cause unwanted behaviors in your dog that will interfere with his life with your baby. Make sure that he is up-to-date on all shots, or that his titer levels are good, and that he is worm-free.

The next thing you need to make sure of is that you bathe your dog or have him groomed BEFORE the baby comes home. If your dog sheds, it is a good idea to start a de-shedding program, such as regular grooming and adding a product such as Linatone (which you can obtain at your local pet store, online or at some groomers) which has a special combination of oils to help the skin and coat. Be careful not to over-bathe your dog as this can cause skin problems in many dogs. Make sure that he has no fleas or ticks as this is unsanitary and can expose your baby to health problems. It also creates problems as you will not have much time to bathe him once the baby is around. Using special flea and tick medication will help to ensure that he remains flea-less and tick-less.

Start teaching your dog to accept his paws and body wiped when he comes in from outside will aid in reducing the amount of dirt he tracks in the house. It also reduces the chance that your dog will carry in something that will cause an allergic reaction in you or your baby

Also, make sure to vacuum or sweep regularly as dog hair accumulates fast. This is especially important once your baby starts to crawl or be on the ground a lot, unless of course you want the baby to be a human Swiffer!

Carry a doll-

The idea of carrying around a doll (preferably one that cries) may seem silly, but it is a very good way to get your dog used to an addition to the family. Everything is different with a baby. Holding a baby changes your posture, and your mannerisms, so your dog needs to be comfortable and accepting of this. The dog also needs to follow commands and be obedient when you have the baby or the baby is out and about. Using a doll while practicing everyday commands will help your dog respond better when the baby arrives. Take the dog for walks, play with the dog, and all the normal things you do with your dog with and without the baby equipment and doll.

Baby sounds-

Getting your dog used the sounds of a baby is also a good idea. This allows your dog to familiarize herself with the alien noises that it may not have heard before so that it is not a surprise when baby comes home. Things like crying, gurgling, yelling/screaming, and baby babble are not necessarily normal for a dog to hear. There are many cds and tapes that you can purchase for this purpose. Start the volume low and expose your dog for short periods of time at first. Gradually increase the volume and amount of time you play the sounds. Try to play the recording everyday until the baby arrives.

Real babies and children-

Another good idea is to expose your dog to the real thing – real babies and children. If you have friends or relatives who have babies you can ask if they will allow your dog to listen in or even record them for you. You can visit places like parks, if your dog is well-behaved, so your dog can hear all of the noises children make. Make sure to start this away from your house so that your dog does not feel threatened in her own territory. The next step is to expose your dog in your yard, and then in your house. Make this a gradual process so your dog can slowly accept it.

Baby smells-

The smells of a baby are often unfamiliar to a dog. Slowly start to get your dog used to these new smells by using the products you will use on your baby, such as baby oil, powder, baby wash and diaper cream. Putting these products on baby blankets and baby clothes will also help. If you have friends or relatives that have babies, ask to borrow used and unwashed blankets and burp cloths so that the dog can get accustomed to the real smells of a baby.

The Nursery-

Setting up the nursery allows your dog to become acquainted with changes in the house. It allows your dog to become comfortable with the sights and sounds associated with baby equipment, thus avoiding shock when baby arrives.

If you don’t want your pup in the nursery you need to start restricting access now. Keeping the door shut or a baby gate in the doorway helps to achieve this. Your dog will not feel left out or anxious about no longer being allowed in that room. Another good idea is to put a dog bed outside of the nursery so that your dog is still close to you, but not in the room. He will not feel banished, but will feel more included. Spend time in the room without your pooch so he understands that this will be normal, and that it is no longer his territory. As he starts to understand that the room is no longer his, he will accept it and be less likely to try to get in there when the baby comes home. This also helps to keep the room clean and free of dog hair and dirt. You will have more than enough to clean in the nursery as it is!

If you plan to allow your dog in the nursery start to teach the proper behaviors as soon as possible. Train her to be calm in there and not to jump up on the furniture and baby equipment. It is also a good idea to teach her to do down-stays when in the nursery so that she is allowed to be with you and the baby, but is out of the way and behaving. You may also want to have a bed or rug in there that your dog is allowed to lay on (remove it when you and the dog are not in the room). When the baby starts to crawl and move about you may want to limit the amount of time the dog spends in there and never leave the baby alone with the dog.

Baby’s things are off-limits-

Make sure to constantly reinforce that the baby’s things are not the dog’s things. Even though you may have practiced this before the baby came home, dogs do need reminders.

It is important to dispose of dirty diapers properly to ensure that your dog does not get them. Dogs love things that have human waste on them, such as dirty diapers and feminine products. Keep these products out of reach as they will make an awful mess and are very unhealthy for your dog to ingest. They have chemicals that are not good for your dog and can cause blockages. Besides, the consuming of human waste can also make your dog sick (and have disgusting breath!).

Teach your dog to leave baby blankets alone and not to lay or step on them. Lay them on the furniture and the floor to teach your dog that they are off limits. If your dog tries to walk or lay on them use a firm “NO” and redirect your dog to a proper spot and have him lay down. When your dog avoids these on his own, praise him for his good behavior with a treat or petting and he will understand that these items are not something to go near. You want to prevent possible injuries to your baby from your dog while baby is lying on or hiding under the blankets (as often babies do!).

Teach your dog which toys belong to him-

It is recommended to teach your dog what toys are his and what toys are the baby’s before baby arrives so that you will not have problems after. This is also a good idea because you can purchase toys similar to what your baby will have and not worry about using baby’s actual toys for these exercises. An easy way to do this is to use peanut butter (or something like it such as cream cheese or cheese spread) and bitter apple (you can purchase this online or at pet stores). Put bitter apple on the baby’s toys and peanut butter on the dog’s toys. Before you give your dog the choice about which toys he wants, take a little bitter apple on your finger and wipe it around in your dog’s mouth. This will help your dog to immediately identify the nasty taste on the baby toys. If you do not do this the bitter apple often dilutes and the dog will be able to get the baby’s toys because the taste is bearable. Make sure to have some treats ready to reward your dog when he chooses his toys over baby’s. Put the dog’s leash on and you are ready to begin. Put the “marked” toys on the floor and let your dog decide which toys he prefers. If he still tries to take the baby toys, tell him “no, leave-it”, and if necessary pull him away with the leash with a quick jerking motion. Do not try to hurt the dog, just give a quick correction as you repeat “no, leave-it”. When your dog does “leave” the baby toys alone, praise and treat. You can also teach the dog the concepts of “Mine”, “Baby’s” and “Yours” by adding these phrases to the training sessions. When the dog goes for his toys you can say, “Good! Yours!” When the dog goes for the baby’s toys say, “No, Leave-it, Baby’s”. You can use the same principle as used for the baby’s toys when the dog goes for something that is yours by substituting “Mine” in place of “Baby’s.”

Please remember that if you leave your baby’s toys lying around your dog will most likely try to steal them. The temptation is too much for her to handle and she probably will fail. Do not set her up for failure! Try to get toys for the dog that are not like the baby’s – no stuffed animals and things that rattle. There are plenty of good dog toys that are very different from baby toys. Lastly, only keep a few of the dog’s toys out at a time. This will avoid her falling prey to the syndrome of “everything within my reach is mine!” If she understands that the three toys on the ground are hers, she will be less apt to take things she shouldn’t.

If you follow the guidelines set forth in this article you should be able to accustom your dog to your newborn without much difficulty. Remember, when in doubt, always consult a professional trainer!

Mandy Makein is an author and dog trainer. For free dog training report visit [http://www.stopdogjump.com/]

(c) Copyright Mandy Makein 2010. All Rights Reserved Worldwide.

Like any industry, Internet Marketing has its own special

marketing tools and methods. Many of these marketing tools

may already be familiar to you: autoresponders, SEO software,

link-building systems, content management programs,

affiliate software… and the list goes on.

However, Internet Marketing has other more effective,

non-traditional marketing tools every marketer should

know about if they want to reach their full potential as

online marketers. Some of these marketing tools come cleverly

disguised or camouflaged, with many surfers or customers

completely unaware that they’re receiving a sales-pitch.

Yet, these innocent and simple sales techniques are some

of the most effective marketing tools on the web.

For anyone involved in Internet Marketing or for anyone

wishing to become involved, a quick rundown of these

marketing tools may prove helpful. Here’s a brief list

and a few pointers on how to effectively use these

marketing tools.

1. Domain Name

Lets start at the very beginning. Your domain name should be

considered your first Internet marketing tool. Pick it right

and your domain name can also be your most effective marketing

tool. Get it wrong and it may spell game over.

Most marketers agree you should pick a short memorable

keyword-related domain name. For example, http://www.hotels.com,

it’s easy to remember/spell and it tells you exactly what

the site is about. Picking a domain directly related to the

keyword or keywords of your site will help greatly in obtaining

a high ranking for your site with the search engines. Not to

mention, it will be a great marketing and promotional tool,

telling your potential customers exactly what your site is

promoting and displaying.

On the other hand, some marketers suggest you opt for a short

jazzy name that can be easily remembered by your visitors.

Ebay, Google, Napster, Yahoo… regardless of which route you

take, make sure you examine all the marketing potential before

you pick your domain name. The right domain name can be one

of your most effective marketing tools on the world wide web.

Many experts also suggest you only set up a dedicated server

for your domain or domains. A dedicated server only carries

one domain. Most hosting companies (for economic reasons)

often share hosting servers, i.e. your domain is co-hosted

with hundreds of other domains on the same server. Since you

will be using the same IP address this may have dire consequences

if one of the domains is accused of spamming or some other

unscrupulous behavior. Even if you can’t afford a dedicated

server, it would be wise (for SEO purposes) to have a separate

IP address for each domain you own. Most hosting companies

provide this service for a small fee.

2. Keywords

Keywords, what surfers type into search engines to find what

they’re looking for, are the real building blocks of the web.

They are the single most important element in any online

marketing venture. Pick the right keywords and you’re in

business, pick the wrong keywords and again, it’s game over.

Therefore, you must have special keyword software or use some

online sites or services to help you pick the right keywords.

Many top marketers use WordTracker.com, GoodKeywords.com,

or the new Keyword Elite by Brad Callen. A superior keyword

research product will supply valuable information: number

of searches made each month, amount of competition and the

top sites targeting your keywords.

Remember, you must target the right keywords with your site

or online marketing. Targeted keywords draw targeted traffic

(customers) to your sites or products. The right keyword software

or program will have a direct correlation to the success

or failure of your online marketing efforts. So choose wisely!

3. Articles

Many marketers believe in and rely upon purely organic SEO

techniques for marketing their sites. One simple method of

organic SEO is writing and submitting keyword related

articles around the topic of your website with links back

to your site. As other sites display your articles you gain

valuable one-way links back to your site. Search engines then

follow all of these links and rank your site highly for the

keywords in these articles. For this reason the modest article

may prove to be the single most important marketing tool you

have in your arsenal.

As your site becomes highly ranked for these keywords, other

sites will want to link to your site in order to become

optimized for those same keywords… article keyword marketing

is one of the most effective Internet marketing tools at your

disposal. Used properly if can position your site in the search

engines and bring in all that highly prized targeted traffic.

Keep in mind, many Internet marketers have side-stepped the

whole SEO optimization process by going directly to search

engines and buying their traffic with PPC pay-per-click

advertising. Overture and Google Adwords program are good

examples of this method. Marketers bid on clicks to their

site’s keywords and bring in targeted customers. In

knowledgeable hands, PPC marketing is an extremely

effective and lucrative marketing tool.

4. Lists

The backbone of any Internet marketing system is the list.

It is another marketing tool you can’t do without. The list

is simply a large database of contacts, people who have

given you permission to email or contact them. These are

subscribers who have opted-in to your ezine or newsletter.

Most successful marketers keep countless different databases

for each product or topic they’re targeting with their marketing.

Ezines or newsletters are vital Internet Marketing tools that

no online business should ignore. It is essential you keep in

contact/touch with your past and future customers. You must

build an ongoing relationship and connection with your customers.

Besides your ezine or newsletter, many marketers also set up

lists of affiliates to help promote and sell their products.

Never underestimate the power of an affiliate system as an

effective marketing tool. It is the stuff Empires are made of!

Once a marketer has acquired a large list of loyal contacts

or affiliates — the flood waters open up. Opportunities for

JVs or Joint Ventures with other online marketers make for

serious cash flow.

5. Blogs And RSS Feeds

Blogging and RSS feeds have become essential marketing

tools for savvy online marketers. Online journals or blogs

are all the rage, especially in the marketing field. These

blogging systems such as WordPress are great content

management tools that will quickly build a content-rich

site, pulling in targeted traffic from the search engines.

Search engines are enamored with blogs and RSS feeds mainly

because blogs provide fresh content, the main lifeblood

of every good search engine. For this reason no site should be

without a blog and RSS feed, it will keep your content

regularly visited and indexed by the search engines. In

addition, all that information and content is a perfect tool

for drawing potential customers to your products and services.

Along with your domains, lists, keywords, and articles —

blogs are effective marketing tools that will play an

important role in the success of your online marketing.

In the right hands, these Internet marketing tools can

work magic on any company’s bottom line. They are some

of Internet Marketing’s most effective tools.

You don’t have to think outside of the box, you just have

to know what makes up the box!

—-
The author runs an Internet Marketing website featuring all the latest marketing tools and techniques. Click here to visit Internet Marketing Tools

Copyright © 2006 Titus Hoskins. This article may be freely distributed if this resource box stays attached. Anyone wishing to learn about Internet Marketing and don’t want to spend a bundle should try these: Free Internet Marketing Courses

Bear markets have a nasty habit of showing up every four years or so.

Like unwanted relatives, they show up whether we want them to or not.

They also have the nasty habit of taking away the punch bowl. And just when everybody is ready for a nice sip of that wonderful nectar. It doesn’t seem fair and many folks wonder why.

But listen up…fairness has nothing to do with the market.

Bear markets have a very definite purpose. They clear up the excesses that have developed since the last bear market. It’s kind of like when we indulge ourselves over a period of months and, lo and behold, we wake up one morning 20 pounds overweight.

We have to go on a diet or buy a bunch of new clothes. Bear markets are the market’s way of putting us on a diet.

Most folks don’t like them but they are a fact of life.

So where do we stand now?

The market has been a little wobbly recently and you hear some people starting to use the b word…as in bear. It makes you wonder what the market is telling us. Is the current weakness a normal correction or is the market telling us something else?

Let’s look at the evidence and see what we can make of it.

Bear markets are definitely an ongoing reality and occur with some regularity. In fact, during the last 100 years there have been 19 bear markets. And, for our purposes, I am defining a bear market as a decline of 20% or more in the Dow Jones Industrials.

Reviewing these 19 bear markets reveals some interesting facts…

• The average time from the end of one bear market to the beginning of the next is 45.3 months.
• The average length of a bear market is 18.5 months.
• The average bear market results in a decline of 36%.

While this is valuable information, keep in mind that these are only averages. The individual bear markets varied widely in length of time and severity of decline.

For instance, the longest bear markets lasted about three years. Specifically, they lasted 31, 34, and 37 months for the bear markets ending in 1942, 1932, and 1949 respectively.

The shortest bear market lasted two months. This was the crash in 1987 when the Dow Jones Industrials plunged 36%.

If you’re wondering about the most severe bear market, you probably know the answer. Yep…it’s the one associated with the start of the great depression…it ended in 1932. But this was only after it had sheared 89% off the value of the Dow.

And the mildest bear market? The 3 month affair that ended in October, 1990 which took 21% off the Dow.

Now…these are all interesting facts…but the question is…are they useful in analyzing the current market?

And the answer is yes. But they are only part of the process.

They’re useful in that they gives us some parameters to consider. But they’re only that…parameters. An actual determination of a bear market may take several months.

However, with that in mind, here’s what the averages tell us…

• 45 months from the end of the last bear market in October, 2002 is July, 2006.
• If the market high of 11,670 on May 10 was a market high, an average decline of 36% will take the market down to around 7,470.
• If the market high was May, 2006, the average bear market length of 18 months will end in November, 2007.

Am I saying a bear market is here and ready to unfold according to these averages? Of course not. I’m not even saying the market top is in.

This is only to point out certain facts related to bear markets in what seems to be turbulent economic times. That, plus the fact, that, historically speaking, this current bull market may be getting long in the tooth.

However, one fact is perfectly clear. History tells us that a bear market will occur again.

And, unfortunately, when they do occur, they strike fear into the hearts of investors. People who buy and hold are never ready for bear markets. Because of their buy and hold mentality, many investors try to ride them out.

It’s often not a pretty picture to sustain losses of 20%, 30%, or more in one’s portfolio.

Traders, however, are different. They don’t fear bear markets. They view them as another opportunity to make money.

In fact, money is often made quicker in bear markets. Markets generally go down faster than they go up. Yeah…traders don’t fear bear markets…they enjoy making money faster. And they trade them like any market…with their trading system and money/risk management.

So, is a bear market at hand? Nobody knows.

However, there are signs to look for…

• The market declines below its 200 day moving average.
• If it’s not a steep decline initially, the market may trade around the 200 day moving average for a while.
• Declines are larger and last longer than previous corrections.
• Sharp rallies occur but they fail to make new highs.
• Look for a long term Elliott Wave count…5 waves up to the recent high.
• The market starts making new lows.

These are some of the things you will likely see once the market tops out and begins rolling over into a bear market.

However, it may take a while before you know for sure. It’s like everything else associated with the market. There are no certainties…only probabilities.

But we know one thing is a near certainty. There will be another bear market. We just don’t know when.

However, it never hurts to look ahead. When a bear market starts, a lot of quick profits will be there for the taking.

Thomas McNatt trades full time. His website, http://www.trading-stocks-profits.com is a valuable source of information and resources for traders.

For internet entrepreneurs, there are many internet marketing strategies to increase sales and maximize profits online. You will discover and learn the best internet marketing strategies in this article. With those strategies, you will boost skyrocket your profits and grow rapidly your home based internet marketing business.

Strategy #1: Research Everything You Need to Know Effectively.

It is obvious that research hot niche keywords to attract more traffic, maximize the benefit of your pay per click (or PPC) campaigns, and find new hot niche markets with high demand are required in this strategy. Of course, this is the first important strategies you must do for your own home based internet marketing business. With those well-researches, you will understand everything you must know for your markets, particularly needs and want in the market. There are many resources on the internet to help you to discover hot niche markets and keywords. The highest recommendation for discovering those markets and keywords is to use both of Overture and WordTracker keyword search tools to generate a massive list of keywords. With the list, you can analyse and evaluate the market, competitors and keywords.

The first key success of home based internet marketing business is to discover niche keywords with low competitors. With those keywords, you can: (1) Set up your high quality content website with high quality and tightly targeted traffic (2) Improve your ranking in search engines (3) Build your unique & high quality content/articles with keyword-rich (4) Create your profitable pay-per-click campaign and (5) Build up profitable successful blog online.

Strategy #2: Approach the Front-Back Sell through Great Sale Letter.

Second of the best internet marketing strategies you must concern is to provide a great and easy to understand sale letter on your website. This internet marketing strategy is all about writing a great sale letter with high conversion rate and builds your online mailing lists. The sale letter on your website is the first place for visitors to walk through your products, services, testimonial, bonuses and your required action. You should state all required information for what they are looking. You should definite clearly what you want visitors to do in your website. For example, you might want them to order your products, you want them to subscribe your mailing lists or you want them to download your bonuses. The highest recommendation in this strategy is to focus on how to convert those visitors to buyers through your own sales letter. You will not earn any dollars if you can not convert those visitors into your buyers. Also, you are losing your time to drive traffic to your website if you can not convert into sales. Remember, the more conversion rate you have, the more sales you get!

Apart from trying to sell your products through sales letter, it is obvious that you should capture visitors’ information in order to sell your products or other products to them after they leave. Without capturing the information, you are losing the opportunities to earn money in the future.

The real keys to your success in this strategy are: to create a powerful sales letter with high conversion rate and sell products in the future. With capturing the visitors’ information, the opportunities to make money in the future are opened.

Strategy #3: Do Not Reinvent the Wheel.

The core concept of this strategy is that you do not reinvent the wheel all the time. You must utilize the full use of others’ expertise to maximize the opportunities to make serious money online from home based internet marketing business. There are many websites, expertise and other successful entrepreneurs on the internet. You can ask them to minimize your mistakes and grow your home based internet marketing business. The highly recommendation is to join other membership sites and utilise the others’ expertise as much as possible. The more you learn, the more you know! With others’ support, you will minimize your mistakes and can grow your business easier.

The real keys to your success in this strategy are: (1) to research effectively from others and (2) utilise those others’ expertise to minimize your mistakes and maximize your profits. Many studies reveal that those truly successful internet entrepreneurs are willing to help people who are serious and passionate with the internet marketing and success.

Strategy #4: Automate Your Home Based Internet Marketing Business.

Without the automation internet marketing strategy, not only you would get fewer sales, you simply would not have more time to research ideas for new home based internet marketing businesses. By building home based internet marketing business that is fully automated. You can withdraw from your daily business as usual works and you will have more time to look for more untapped niche markets and other opportunities. Many studies show that this strategy is the best of the best internet marketing strategies to grow your home based internet marketing business in the long term. The rules of thumb, 80/20 rule, for your business are: (1) put 80% of your effort and time for your day-to-day operation tasks and (2) put another 20% for growing your business.

The real keys to your success in this strategy are: to find automated tools to help you and automate your online business. With those tools, you will have more time to think and grow your business. Otherwise, you will live in the daily business as usual works.

Strategy #5: Set up Your Own Affiliate Program.

There is no doubt that affiliate marketing business is a win-win relationship business between merchants and affiliate entrepreneurs. If you have your own products or even profitable products, it is a great idea to boost your sales through the affiliate marketing business. You will pay the affiliate commission to those affiliate marketing entrepreneurs when they gain sales for you. All you have to do is to support and follow up with those affiliate marketers in order to maximize your profits online. With those super affiliate marketing entrepreneurs, your sales will be increased rapidly and consistency.

The real keys to your success in this step are: to build a great relationship with affiliate entrepreneurs and support them as much as possible. Their sales are your sales too.

Strategy #6: Improve Yourself Consistency.

The last best internet marketing strategies for your home based internet marketing strategy is you. You are the most important and valuable asset in your business. You have to improve yourself all the time. Learning everything you need to know for your business is a must. Also, you should not give up too quickly if you can not earn big money in the short term. Truly entrepreneurs are always looking forward to the long term success. The online internet marketing business is a real business. With this sense, you have to treat it as real business.

The real keys to your success are to improve yourself, the best valuable asset in your business, and to build consistency your online internet marketing business always.

Final thoughts, the best internet marketing strategies for your highly successful in home based internet marketing business are: well effective researches, front-back sell, smart utilization, automate effectively, and self-improvement consistency. With these things, there is no doubt that you will success in the home based internet marketing business.

About The Author

Siripong R. or zMillionDollars is a recognized authority on the subject of building super-profitable internet marketing business. His website, www.zMakeMoney.com [http://www.zMakeMoney.com], provides a wealth of informative articles and resources on everything you’ll ever need to know about internet marketing business.

Grab free special reports at: www.zMakeMoney.com/free-report [http://www.zMakeMoney.com/free-report].

No matter what kind of small business you have, you need read these “small business survival tips” which will help you to succeed.

You may be in Internet business, traditional business, or you may be a local merchant with 150 employees; whichever, however or whatever–you’ve got to know how to keep your business alive during economic recessions. Anytime the cash flow in a business, large or small, starts to tighten up, the money management of that business has to be run as a “tight ship.”

Some of the things you can and should do include protecting yourself from expenditures made on sudden impulse. We’ve all bought merchandise or services we really didn’t need simply because we were in the mood, or perhaps in response to the flamboyancy of the advertising or the persuasiveness of the salesperson. Then we sort of “wake up” a couple of days later and find that we’ve committed hundreds of dollars of business funds for an item or service that’s not essential to the success of our own business, when really pressing items had been waiting for those dollars.

If you are incorporated, you can eliminate these “impulse purchases” by including in your by-laws a clause that states: “All purchasing decisions over (a certain amount) are contingent upon approval by the board of directors.” This will force you to consider any “impulse purchases” of considerable cost, and may even be a reminder in the case of smaller purchases.

If your business is a partnership, you can state, when faced with a buying decision, that all purchases are contingent upon the approval of a third party. In reality, the third party can be your partner, one of your department heads, or even one of your suppliers.

If your business is a sole proprietorship, you don’t have much to worry about really, because as an individual you have three days to think about your purchase, and then to nullify that purchase if you think you don’t really need it or can’t afford it.

While you may think you cannot afford it, be sure that you don’t “short-change” yourself on professional services. This would apply especially during a time of emergency. Anytime you commit yourself and move ahead without completely investigating all the angles, and preparing yourself for all the contingencies that may arise, you’re skating on thin ice. Regardless of the costs involved, it always pays off in the long run to seek out the advice of experienced professionals before embarking on a plan that could ruin you.

Particularly when sales are down, you must be “hard-nosed” with people trying to sell you luxuries for your business. When business is booming, you undoubtedly will allow sales people to show you new models of equipment or a new line of supplies; but when your business is down, skip the entertaining frills and concentrate on the basics. Great care must be taken however, to maintain courtesy and allow these sellers to consider you a friend and call back at another time.

Your company’s books should reflect your way of thinking, and whoever maintains them should generate information according to your policies. Thus, you should hire an outside accountant or accounting firm to figure your return on your investment, as well as the turnover on your accounts receivable and inventory. Such an audit or survey should focus in depth on any or every item within the financial statement that merits special attention. in this way, you’ll probably uncover any potential financial problems before they become readily apparent, and certainly before they could get out of hand.

Many small companies set up advisory boards of outside professional people. These are sometimes known as power Circles, and once in place, the business always benefits, especially in times of short operating capital. Such an advisory board or power circle should include an attorney, a certified public accountant, civic club leaders, owners or managers of businesses similar to yours, and retired executives. Setting up such an advisory board of directors is really quite easy, because most people you ask will be honored to serve.

Once your board is set up, you should meet once a month and present material for review. Each meeting should be a discussion of your business problems and an input from your advisors relative to possible solutions. These members of your board od advisors should offer you advice as well as alternatives, and provide you with objectivity. No formal decisions need to be made either at your board meeting, or as a result of them, but you should be able to gain a great deal from the suggestions you hear.

You will find that most of your customers have the money to pay at least some of what they owe you immediately. To keep them current, and the number of accounts receivable in your files to a minimum, you should call them on the phone and ask for some kind of explanation why they’re falling behind. if you develop such a habit as part of your operating procedure, you’ll find your invoices will magically be drawn to the front of their piles of bills to pay. While maintaining a courteous attitude, don’t hesitant, or too much of a “nice guy” when it comes to collecting money.

Something else that’s a very good business practice, but which few business owners do is to methodically build a credit rating with their local banks. Particularly when you have a good cash flow, you should borrow $100 to $1,000 from your banks every 90 days or so. Simply borrow the money, and place it in an interest bearing account, and then pay it all back at least a month or so before it’s due. By doing this, you will increase the borrowing power of your signature, and strengthen your ability to obtain needed financing on short notice. This is a kind of business leverage that will be of great value to you if or whenever your cash position becomes less favorable.

By all means, join your industry’s local and national trade associations. Most of these organizations have a wealth of information available on everything from details on your competitors to average industry sales figures, new products, services, and trends.

If you are given a membership certificate or wall plaque, you should display these conspicuously on your office wall. Customers like to see such “seals of approval” and feel additional confidence in your business when they see them.

Still another thing often overlooked: If at all possible, you should have your spouse work in the business with you for at least three or four weeks per year. The important thing is that if for any reason you are not available to run the business, your spouse will be familiar with certain people and situations about your business. These people should include your attorney, accountant, any consultants or advisors, creditors and your major suppliers. The long-term advantages of having your spouse work four weeks per year in your business with you will greatly outweigh the short-term inconvenience. Many couples share responsibility and time entirely, which is in most cases even more desirable.

Whenever you can, and as often as you need it, take advantage of whatever free business counseling is available. The Small Business Administration published many excellent booklets, checklist and brochures on quite a large variety of businesses. these publications are available through the U.S.Government printing office. Most local universities, and many private organizations hold seminars at minimal cost, and often without charge. You should also take advantage of the services offered by your bank and local library.

The important thing about running a small business is to know the direction in which you’re heading; to know on a day-to-day basis your progress in that very direction; to be aware of what your competitors are doing and to practice good money management at all times. All this will prepare you to recognize potential problems before they arise.

In order to survive with a small business, regardless of the economic climate, it is essential to surround yourself with smart people, and practice sound business management at all times.

———————————————————
Julia Tang publishes Smart Online Business Tips, a fresh
and informative newsletter dedicated to supporting people
like you! To find out the best online business opportunities,
and to discover hundreds more proven and practical internet
marketing secrets, plus FREE internet marketing products
worth over $200, visit: http://www.best-internet-businesses.com
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Note: Feel free to publish it with the resource box and content
unchanged

We bought our daughter Julie a St. Bernard five years ago. Each evening “Mackie” climbed up on my lap to take a nap (even after she was full grown)! A couple years later Mackie died of a kidney disease. We buried her under her favorite tree, made a marker, and thanked God for the wonderful gift of Mackie. But each of us experienced grief and pain over the loss of our beloved dog. This article will give you several guidelines to help you experience good grief as you suffer the loss of your pet.

As I share the following guidelines to help you grieve the loss of your pet, please keep in mind that each person’s grief process is as unique as the relationship between that pet and its owner. However, pet grief can be good grief.

1. Just as in the loss of a spouse, parent, child, or other significant person, you must ACKNOWLEDGE THE LOSS of your beloved dog or pet. I know that sounds obvious, but denial is a powerful emotion during times of significant loss. In fact, pretending that you are not hurting during times of significant loss can actually be detrimental to your physical and emotional health. There really is such a thing as “Good Grief.” Grief is a healthy emotional process. Admit that your cherished dog or pet is gone. Don’t let others trivialize the importance of that dog in your life. A couple quotes will show you that we recognized many years ago how important dogs and other pets are to us. For example, Roger Caras once said, “Dogs are not our whole life, but they make our lives whole.” Josh Billings noted, “A dog is the only thing on earth that loves you more than he loves himself.” And Will Rogers once quipped, “If there are no dogs in Heaven, then when I die I want to go where they went.”

2. GIVE YOURSELF PERMISSION TO GRIEVE. The fact is that people often invest as much love and affection in a pet as they do in many personal relationships. (Don’t laugh: dogs miss you when you’re gone, dogs never complain about your cooking, dogs don’t criticize your friends, dogs don’t shop, dogs mean it when they kiss you, dogs think you sing great, and a dog’s parents never visit). Other people might scoff, be confused, or misunderstand, especially those who have not experienced a loss of this kind. Don’t worry about what others think or feel; this is a time to be true to yourself. Allow yourself the time and freedom to be sad, to cry, and to miss your friend and companion. Tell yourself it’s OK – because it is. Pet grief can be good grief.

3. THANK GOD FOR THE GIFT OF YOUR PET. God created the animals that become our cherished pets. Good grief comes when we begin to recognize that God is the giver of all good gifts, and dogs are definitely good gifts. Do something symbolic to give thanks and show respect for this wonderful gift from God. Cheri and I buried Mackie and made a makeshift concrete headstone in the ground over her grave. Just the other day my son went out and found the marker in the woods, cleaned it off, and spent a moment remembering Mackie fondly. Pets matter! You can give a donation to an animal shelter in honor of your pet. Other meaningful acts people have shared with me include writing a special poem or story, commissioning a painting of their pet from a photograph, or framing an enlarged photo to hang on the wall. A fairly new phenomenon is the Pet Cemetery, where you can actually bury your pet, place a marker, and bring flowers. The bottom line is this; it was your pet, and it is your pet grief – do something that is meaningful for you. It will make you feel good about yourself and your pet, and it will assist you in bringing good grief to your grief process.

4. SHARE YOUR PAIN. Pet grief hurts. Talk to someone you trust about what you are feeling. Grief is a painful process; don’t go through it alone. Most of us know someone who has experienced the pain of pet loss. Talk to them. There is a healing process (Good Grief) that occurs when we hear ourselves talking about our pain, our grief, our loss. And there is empathy when two people can share similar experiences. It helps to hear someone else say “I know how you feel, I’ve been there too.” It helps to know you are not alone in your feelings. If there is no one you can talk to in your immediate family or circle of friends, consider talking to your pastor, or joining a pet loss support group in your community. Check the internet, and you may be able to find a pet loss “blog” group to join.

5. CELEBRATE YOUR MEMORIES. Pet grief can be good grief. When you think about the relationship you had with your pet, what is it that brings a smile to your face? Think on those things. Get out the pictures of your child and pet dressed alike for Halloween. Or the one of you and your pet covered in soap suds and soaking wet during bath time. Franklin P. Jones says “Anybody who doesn’t know what soap tastes like never washed a dog.” Or remember all the “tricks” your pet used to do just to please you. Recall those winter evenings relaxing together by the fire, or the summer days romping in the park. I remember opening the front door one day and finding my St. Bernard sitting right there, looking up at me, with a huge “bubble” poking out both sides of her mouth – looking like she chewing bubble gum! It’s a scene I will never forget. That’s Good Grief! “We give dog’s time we can spare, space we can spare and love we can spare. And in return, dogs give us their all. It’s the best deal man has ever made” – M. Facklam.

6. BE A VOLUNTEER. Pet grief can consume you if you let it. This is a great opportunity to volunteer some time and energy to help someone else. You can volunteer some time at your local animal shelter. You could help feed the homeless at the local soup kitchen. Be a volunteer at your local church. And the list goes on. Volunteering is a healthy way to give something back to your church or community. Helping your fellow man is a good thing, and it makes you feel good about who you are. It takes your mind off your pet loss and the emptiness you feel, and helps the process of good grief.

7. RELY ON YOUR PERSONAL FAITH. Pet grief is just as real as losing a person. Lean on your spiritual belief system. The scriptures tell us that God loves us and wants to comfort us during times of grief and loss. Does God care about animals? Is God concerned with my pet dying? You bet He is! Does God really care about my pet grief? Absolutely! The Bible says God knows when a sparrow falls out of the sky. And it says every hair on your head is numbered, so He cares about you very much! During this time of grief and loss, reconnect or recommit to your personal faith. Spend some extra time in devotion, worship, meditation, and prayer. God’s comfort and help during this time will help you experience good grief.

8. DON’T REPLACE YOUR PET UNTIL YOU ARE READY. Statistics show that after the loss of a spouse, many people remarry too soon, because of the fear of loneliness. Pet grief can cause the same mistakes. Don’t be too anxious to fill the void left by your precious pet. Remember that every relationship is unique, just as every person and dog are unique. Pet grief can be immense for some, and can take significant time. How soon should you get a new pet? Experts disagree, but estimates range from a few weeks to a year. They do agree, however, that you should be sure you are emotionally ready to explore a totally new relationship before you get a new pet. They also agree that the vast majority of people can and do benefit from getting another pet, as long as they cherish each new pet relationship as unique and special. Do not expect your next pet to be like your last, but love the next one just as much. Each one is a fantastic, life-changing experience. And a part of the process of good grief is to replace that love relationship you had with that dog, with another dog or pet.

We all know that dogs and other pets are not human, but they certainly do bring a great deal of joy and happiness to our lives. (Andy Rooney says “The average dog is a nicer person than the average person.”) The loss of a beloved pet should not be taken lightly or dismissed as unimportant. If you have lost a cherished dog or pet; if you are experiencing Pet Grief; use the suggestions we’ve outlined here to experience good grief, cherish the memories, and prepare yourself for your next awesome pet/owner relationship. Then go out and find that amazing dog or pet that can benefit from the love and affection only you can give.

Danny Presswood, 2006 All rights Reserved.

Danny Presswood is a retired US Army Combat (Airborne) Chaplain. After traveling 17 countries and 10 islands, he and his wife Cheri settled in the wooded Ozarks hills of SW MO. Presently working on his Doctorate, Danny writes the Feature Articles for K-9 Outfitters, A Division of Damascus Road Enterprises, which offers a plethora of AWESOME discount, luxury, unique, and Handmade in the USA Online Pet Supplies. You’ll find K-9 Outfitters at [http://www.Damascus-Road-Enterprises.com]

Numerous fly fishers report that Alaska is a place full of mountains, lakes, rivers, as well as many streams which make it a good place for a fly fishing trip in Alaska. They are fishers report that fly fishing trip in Alaska is also one of the most pleasant experiences that they never come across. In fact, there are many fishers know fly fishing trip in Alaska is a very big market and filled with large opportunity that no one should miss. For beginners, you also can find a good fly fishing school there.

An excellence Experience

Alaska is a very special magical state that every year attracts numerous of fly fishers.

It is a simply and pleasant experience you should not miss, whether is it for the skilled or beginner anglers. Alaska is a remote US state, but because of the nature resources there, numberless of fly fishers prefer Alaska to other places. One of the most exciting fly fishing areas in Alaska is Katmai; this is a spot where many fly fishers recommend.

When they visit Katmai there is even more amazing experience to be had. Katmai is a special place that has a lot of lakes and more than thousand miles of rivers and streams to fish for Coho salmon, rainbow trout and much other type of fish including pikes. In Alaska areas, the most likely having trophy sport fishing is Katmai. To find lodging in Katmai areas is no a problem as there are a lot of various lodges there. The majority of lodges at Alaska can only be reached by taking train or floatplane. Motor vehicle is not possible. If you can, engage a guide that will make your fly fishing trip in Alaska an adventure, pleasance and safe one. Some fishers prefer to go without a guide.

Some places you should not miss

You should visit the Alagnak River which lies close to Bristol Bay. The tidal waters containing good fish species, like the chrome-bright salmon. When each new tide coming, catching the fish is much easier as more fish came with the tide. The other topmost place is Lake Creek that lies northwest of Anchorage. Over here, you can found some of the best fish including the pink salmons and rainbow trout, as well as king.

Fishing School for Beginners

If you like fly fishing sport, it would be a good idea for you to take some fishing classes first before you embarked in your trip. The good thing about attending the classes is that you will be more prepared and more confident in what you will be doing later. Always remember that you will be able to enjoy your fly fishing trip better if you will be able to catch some big fishes and you can only do that if you have the basic fishing knowledge and skill.

Finding a Good School at Alaska

To find a good fly fishing school at Alaska, you might want to try asking and collecting useful information from your family members, your friends and relatives who are keen on fly fishing. Inform them that you are interested and you want to learn some good and basic techniques in catching fish. If they see how enthusiastic you are, they will be more tending to help you out. They might even accompany you during your fly fishing trip. If you have no family members or friends who are keen on fly fishing, do not worry.

There many ways to find a good fly fishing school at Alaska. You can do a quick search on internet website. A lot of information about fishing school can be obtained from here. Searching online will save you a lot of time. On the other hand, asking for information from the fishing shop or fishing equipment store will yield some important information. These shop or store may have contacts with the fishing schools, some time they also can recommend you which school you should go for it.

Going To Fishing Classes

In order for you to be perform better; you need to be comfortable with what you are holding, so that you will be able to catch more fishes. When you are attending the fishing classes, it would be a good idea for you to bring your own fishing gears. The school may be able to provide you the fishing gears, but it is always good to use fishing gears that you are very much familiar with.

Learning Fly Fishing at Alaska

Fly fishing can be a very exciting form of exercise. It is a suitable exercise for everyone. As long as you have the interest and enthusiasm to go fishing, you can always learn the art of fly fishing in the school at Alaska. The remote Alaska has many school, beauty and fantastic scenery, the large quantity of fish available as well as enjoys the adventure and quietness of the state and you will not regret your visit here.

Cindy Heller is a professional writer. Visit Fly Fishing Women to learn more about fly fishing trip in Alaska and remote alaska fly fishing.

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

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

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

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

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

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

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

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

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

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

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

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

http://www.annualcreditreport.com

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

And

[http://www.nadaguides.com]

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

Here’s what’s transpired so far:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For additional sources, see:

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

PHP application development is quite in demand these days by virtue of its proven success record of generating dynamic web pages for infusing the required dose of interactivity. PHP also enables applications to run smoothly thereby giving the end users a delightful web experience.

A PHP developer has a crucial role in custom PHP programming. Hence, a lot of focus must be placed on writing code. A good PHP code is one that is well structured, robust, safe and consistent. A voluminous code can be conveniently broken into a number of functions, and a simple code thus generated can accomplish different sub-tasks. Also, a clear-cut distinction must be made between the front-end JavaScript/HTML code and the server side logic.

A good PHP code must be safe, which is absolutely in the control of a developer. A developer must have a thorough knowledge of XSS, CSRF and other potential security holes. Also, consistency matters a lot. A good PHP code ought to be consistent i.e., the names of variables and functions must be decided according to a specific set of rules, resorting to typical approach for solving complexities and error handling. You must also ensure that your code must be framed consistently so that it becomes easy to read.

In PHP programming, the code must be portable. A weak code can be easily fragmented when certain features of PHP are switched on/off. A good PHP code adepts to the environment accordingly. It’s also important that you comment your PHP code with a standard approach as it makes the code more readable, which motivates PHP developers to consider the aspects, which might otherwise get ignored. Also, this permits document generators to generate easily comprehensible documentation. In addition, it facilitates interpretation of variables and offers enhanced debugging and code finishing.

While making use of control structures in code writing, you must think about alternative syntax since characters like closing brackets make the code confusing to read. PHP short tags must be avoided since these tags are sometimes switched off on some host servers. In case, you decide to switch your website, there exists possibility of your PHP opening tags getting replaced. Also avoiding PHP short tags gets you away from the confusion that you may have with the XML declaration. Further, the forthcoming PHP versions are not likely to support these PHP short tags.

Get started with writing a good PHP code today!

Adam George is a well known writer. He has written many articles on various topics including outsourcing, Presently writing on Software services, Offshore Software Development, PHP Development, PHP Application Development and other Software testing services.

When a car breaks down or does not perform up to par, if it makes strange sounds while running or comes away from the scene of an accident with dents and scratches, a responsible owner will perform a thorough check of its parts and systems. If the vehicle is beyond the simplest troubleshooting techniques, it is best that you seek advice from the experts. Visit an auto shop that you trust so professionals can examine your car, identify the problem and fix it.

Commercial auto repairs can be defined as the kind of auto repair services that an auto shop offers. This kind of auto repair helps keep your vehicle in tiptop shape. Experts who provide auto repair services commercially have mastered the automotive sciences’ they know what is best for your car.

When you bring in your vehicle to the auto shop or when you use the services of a mechanic, the first thing that your car will receive is a look-over. Much like a consultation at the doctor’s, a look-over allows the mechanic to examine your vehicle extensively. A good mechanic will ask you some questions regarding your experiences with the car. He will most likely get your opinion on what you think is wrong with it. He will then conduct a series of tests to identify the damaged or malfunctioning parts. When he has completed his evaluation of your car, he will explain what exactly needs to be done. After he gets your approval, he will undertake the necessary repairs.

Of course, there is always a price to pay when you bring your vehicle in for commercial auto repairs. You have to pay a premium to get all the necessary work done, along with the additional charges for the auto parts or auto body parts that need to be replaced. For most owners, it can be well worth their money if their vehicles look and perform better in the end.

Auto Repair provides detailed information on Auto Repair, Auto Glass Repair, Online Auto Repair, Auto Body Repair and more. Auto Repair is affiliated with Discount Auto Parts.

Cooking together has always been a favorite activity in our family. My mother began to cook with me before I started school. One of my earliest school memories was when I was a first grader: our class was invited to be guests of the eighth grade cooking class and we were treated to hot cocoa and oatmeal cookies made by the “big kids.” At the end of the party, we were allowed to help the eighth graders clean up, and I remember volunteering to wash a very large floured baking sheet. As the class was ending, I was still at the sink laboring with the industrial-sized baking sheet that was as big as I was. As a reward for my efforts, I was given a gold star on my forehead. Even now, many years later, I still remember that day as one of the proudest of my life.

And maybe it was that day that started me on a life in which my best memories involve cooking for myself, my family, and my friends. The best of the best memories are the times I cooked with my own children who have now grown up and have given me five grandkids (aged from 20 months to 18 years), with whom I can continue what I started with my children over 40 years ago.

Cooking gives children a wonderful sense of accomplishment and they learn early that hard work can pay big (sweet) rewards. Cooking allows you to talk to kids on many levels: they learn about their family histories when you use recipes handed down in the family (the names of their great grandparents, the foods that derive from their family roots in countries far away), they learn to follow directions, they learn to count (depending on their ages, this can range from simple to more involved calculations), they learn cooperation, they learn the joy of work that can give pleasure not only to themselves but to others, they learn to try and to experience different foods and cooking methods, they learn lessons of self-sufficiency that will serve them all their lives, they learn they must clean up after themselves, they learn to follow directions and how to plan ahead (shopping and prep time).

All the while they’re learning all these things, they’re having fun and so are you.

Children learn to enjoy food from the first moments of their lives, and they can learn the joy of cooking even as toddlers. When you cook with toddlers, it’s important that you concentrate only on the task at hand, and it’s best to limit your cooking class to just one short one at a time. I’ve found it best if the recipes are simple, and have an enjoyable anticipated outcome.

Getting started

These days, I’ve been cooking a lot with my three-year-old grandchild, Connor. I like to begin talking with Connor about what I want to cook with him. I describe how much he will like the dish, and when I get his interest, I give the recipe a fun name. I can keep his interest through the whole process if I start by writing the recipe down and discussing the ingredients and steps involved.

Then I plan a trip to the store for the ingredients. Again I involve the child. We look for the ingredients together, and we watch while the checker bags our stuff, and after we pay her (Connor learns that everything has a price), we go home to cook.

Washing hands is always the way we begin. It’s fun washing up with Connor, who generally resists washing up at other times — as he seriously throws himself into this activity when its for cooking. Next we gather our ingredients and utensils. And then we begin.

Fun and safety

I discuss the fact that we will need to warm up the oven while we’re making our food; explaining that the stove is “very hot” and that he must never touch the oven; and that he only cooks with me, or his Mommy or Daddy. I usually tell him about the times I would cook with Daddy when he was a little boy. This usually gets Connor’s interest. I measure out each of the ingredients, and Connor gets the fun and important mixing job.

If I’m using an electric blender or mixer, Connor gets to turn the appliance on and off (again discussing safety issues and the importance of not using these appliances by himself). If something has to be cooked on the stove-top, Connor stands close by watching the activity and depending on what’s cooking he get a chance to stir the pot (under very close supervision).

By this time, things in the kitchen are starting to smell really good, and that gives us a chance to discuss what we smell and to build excitement about the end result.

Connor gets the honor of greasing the cake or muffin pans, or he can roll out dough (with some help). Depending on what we’re cooking, he also gets the opportunity to help pour the batter into the pans if we’re making a cake, cupcakes, or muffins. If we’re making cookies, he can use the cookie cutters and later he can sprinkle the colored sugar over them.

Finally, we are ready to put the dish into the oven or onto the stove, set the timer, and anticipate the outcome. While waiting, Connor always helps with the clean up, and I admit this is his least favorite thing to do. But this is one of the lessons that are learned we must always clean up our own messes. It’s not all work. While we’re cleaning up, we get to look into the oven and watch the progress of the dish as it cooks. We discuss how the food will get to smell better and better, how it browns, and how the cake gets bigger as it cooks.

When the timer rings, with Connor closely watching, I take the food out of the oven and place it on the cooling rack. If the dish calls for icing, we use the cooling time to make the icing, and Connor helps put the icing on the cakes or cookies (and into his mouth).

At last, the dish is done and we get to eat it, sharing it of course with Mommy and Daddy, and anyone else who wants some. Since eating is a social activity, Connor basks in the glow of his accomplishment and enjoys the compliments and the conversation. In our family, after eating everyone helps clean up, so once again Connor is in on the action.

In general, anything that I choose to cook with Connor (or any other young child) has got to be simple and quick, recognizing that young children have finite attention spans. The time I spend cooking with Connor (or any of the kids) leaves me happy, tired, full, and contented; it leaves them feeling the same way, too, and proud of themselves as well.

The following are a few recipes that I have used successfully with Connor and with my younger grandchildren. I hope that you will try them for yourselves and add your own while you make memories for yourself, your children, and your grandchildren (or any kid who happens to be in your life).

The Recipes

“BaNANA” Bread

Preparation Time: 20 minutes Baking Time: 60 minutes Makes 1 Loaf

You will need: a large fork and a wooden spoon, 2 bowls, oven gloves, loaf pan, cooking rack.

Ingredients:

1 cup sugar

2 cups flour

½ teaspoon salt

1 teaspoon baking soda

1 egg

½ cup cooking oil

2 or 3 very ripe bananas

Pam or some other spray to grease the pan

* Note: You can add ½ cup chopped walnuts to this recipe BUT I DO NOT GIVE NUTS TO YOUNG CHILDREN

1. Heat oven to 350 degrees and spray the sides and bottom of loaf pan with PAM and sprinkle with a little flour (shake out the excess flour)

2. Peel the bananas and mash the bananas with a fork into a small bowl

3. In the other bowl, mix the sugar, oil and egg with the wooden spoon until the mixture looks creamy and is a light yellow color

4. Blend in the bananas

5. Add the flour, baking soda and salt. Break up any lumps in the batter and stir until the batter is smooth and all the flour is mixed in.

To Bake: Spoon the batter into the loaf pan and bake for 1 hour. (Test

for doneness: if the top of the loaf spring back after you touch

it, or if you stick a clean toothpick in and it comes out clean,

it’s done.

Cool on the cooling rack for about 20 minutes, then flip the bread out onto the rack and cool some more before slicing.

Creamy, Dreamy Oatmeal

(to wake a guy up)

Preparation Time: 10 minutes Cooking Time: 5 minutes Serves: 4

You will need measuring cups, small pot (prefer a non-stick one), a long handled wooden spoon, 4 bowls, 4 spoons.

Ingredients:

2 cups of water

1 cup old-fashioned oats

Pinch of salt

Possible Toppings:

(i.e. the good stuff) Milk or Maple Syrup, Brown Sugar

or honey

Butter

Raisins

Sliced Bananas

Crunchy Wheat Germ

1. Pour the water into the pot. Add the oats and salt.

2. Ask a grown-up to help bring the mixture to a boil. Lower the heat to a simmer.

3. Cook for 5 minutes or until the desired thickness, stirring occasionally.

THEN: Spoon into bowls and serve with the topping dejour.

“Butter and Nana Jama” Jam Sandwiches

You will need 2 tablespoons, a butter knife, and a cutting board

Ingredients:

2 slices of bread (or more depending on who is eating)

1 tablespoon strawberry jam

1 tablespoon butter (soften to room temperature to spread

easy)

1. Spread jam evenly on one slice of bread (again depending on how many

are eating) and evenly butter the other slice.

2. Press the jammed and buttered sides of the slices together to make a

a sandwich

3. Place on cutting board and cut into halves or quarters.

A variation that my family enjoys: substitute softened cream cheese for the butter and make Cream Cheese And Nana Jama Jam Sandwiches.

Shamrock Lucky Glass Cookies

Preparation Time: 20 minutes Cooking Time: 8 to 10 minutes oven preheated

to 375 degrees

You will need:

One (1) package of pre-made sugar cookie dough (may

be store bought)

Green hard candy (Lifesavers etc.)

Zip Lock Bags and Small Kitchen Hammer (or any other

thing a child can use to “bam” the hard candy to little

bits)

Two (2) shamrock shaped cookie cutters (1 large and 1

small)

Some tin foil

A cookie sheet

To Prepare:

1. Roll out the cookie dough and cut out cookies using the large shamrock cookie cutter. Using the small cookie cutter, cut a hole in the center of each of the cookies

2. Place the cookies on a foil covered cookie sheet

3. Put hard candies into a plastic zip lock bag and crush them using the kitchen hammer, rolling pin or any thing else that will “bam” the candy (the kids LOVE this part!)

4. Use the crushed candy to fill the holes in the center of the cookies.

To Bake: Place the cookie sheet in the over (adult only) and bake the cookies for about 8 to 10 minutes until lightly browned. Watch these cookies because depending on your oven, they may require less time to brown.

Let these cookies cool completely and then peel the cookies off the foil and EAT!

Variations: Depending on the Holiday or Celebration (or just because), you can use other cookie cutters and colored candy—as for example, Christmas 1/4Tree Cookie cutters and red and green candy for Christmas.

Pruney Loony Muffins

Preparation Time: 30 minutes Baking Time: 15 to 20 minutes in regular sized muffin tin or 7 to 9 minutes in mini muffin tins.

Preheat Oven to 400 degrees Makes 12 regular sized muffins or 36 mini muffins. NOTE: Kids LOVE the mini muffin size.

You will need:

Muffin tin (regular sized or mini sized)

1 and 3/4 cups of flour

1/4 cups of sugar

1 Tablespoon Baking Powder

1/2 teaspoon salt

1/2 teaspoon cinnamon

1 egg

1/4 cup salad oil

2 (4 oz. Baby Jars) of Pureed Prunes or you can use Pureed Apples

1/3 cup milk

Mixing Bowl and Flour Sifter and Measuring Cups and spoons

For the Topping (goes on before baking):

2 Tablespoon Wheat Germ

1 Tablespoon Sugar

1/2 teaspoon cinnamon

To Make:

1. Sift dry ingredients together (flour, sugar, baking powder, cinnamon into a bowl and make a well in the center.

2. Place eggs, milk and prunes (or apples) into a medium bowl and beat with a fork until well mixed.

3. Pour liquid mixture into the flour well and mix until just moistened. Batter will be lumpy.

4. Fill greased muffin tins to 3/4 full

5. Mix the topping ingredients together in a small bowl and sprinkle the topping on the muffins and gently pat on.

Bake in the preheated oven (400 degrees) for 15 to 20 minutes for regular sized muffins or 7 to 9 minutes for mini muffins.

Submitted to Online Cooking by Maureen R. Sinclair

The landscape of American farming changed dramatically between 1850 and 1950 due in large part to the introduction of farm tractors. Initially, tractors used steam engines, until these gave way to internal combustion engines in the twentieth century. The turn-of-the-century steam engine tractor is gigantic and primitive looking, using chains on a rotating shaft to steer.

When tractors were introduced, farmers quickly found that engine driven tractors were more economical to use, as compared to keeping animals for tillage, and tractors began selling widely. In many cases agricultural machinery dealers received cattle for the barter for tractors and they and in turn sold the cattle in the meat market. The Farmall is one of early tractors and the most familiar and famous names in tractor history. Tractors were made to be work horses, so niceties were minimal. This included foregoing a fuel gauge.

Tractors are most useful for cultivation purposes, so a tractor or tractors have been a must for farm owners, but tractors are also used in excavation, in manufacturing and industry, or on construction sites. Farm size, availability of labor and custom services, crop selection, and cultural practices, such as choice of tillage system, all affect the selection of an optimum equipment set and, ultimately, the number of tractors necessary to farm. Although demand for tractor power generally increases with farm size, many commercial farms operate efficiently with a single tractor.

Tractors are designed to operate at different travel speeds, but the final drives are not designed for all possible torques theoretically available. The engine may range from about 12 to 120 horsepower or more and tractors over the years have been typically offered in the range of 20 to 400 horsepower. Engine power is transmitted to a gearbox typically having 4 to10 speeds (these transmissions are manually switched via a control lever to determine how fast the tractor can go) and through the differential gear to the two large rear-drive wheels. Some farm tractors can reach speeds up to 25 miles per hour, but slow speeds are necessary to give the farmer more control while doing field work.

Farm tractors are designed to be operated with additional weight or ballast when pulling heavy loads to reduce wheel slip. Insufficient ballast can cause excessive wheel slip and increased fuel consumption. Tractors need large tires to avoid compressing the earth, and to avoid digging in. Thus only the rear tires really need to be large and the front tires can be small and smooth unless the tractor has four wheel drive. Tractors used on ground of irregular contours have tracks so mounted that their left and right front ends rise and fall independently of each other. However, soil undulations induce tractor and machine vibrations, reducing driver’s comfort and their capability of controlling the linked machinery.

Tractors are usually used to pull, or in some cases, push objects and are designed to pull either large loads at slow speeds or lighter loads at higher speeds. Field speeds up to 10 mph are typical, but rangeland applications usually vary from 2 to 5 mph. Tractors can be generally classified as two-wheel drive, two-wheel drive with front wheel assist, four-wheel drive (often with articulated steering), or track tractors (with either two or four powered rubber tracks).

Tractors are equipped with a hitching point below the rear axles to prevent roll over. Unfortunately, some people will attach to a point above the rear axle in a foolish attempt to get more weight/traction on the drive wheels and this can lead to disaster. Also, if a tractor is used to free and tow a stuck vehicle, the operator should hitch the vehicles front-to-front and drive the towing tractor in reverse, which minimizes the risk for rollover, by transmitting all the engine power of the towing tractor through the chain to the other vehicle.

To read the rest of this article and see interesting Farmall Tractors click here: Farmall Tractors [http://www.farmalltractors.net]

Stop researching the subject and get started!  Starting a fish tank set up needn’t be difficult.  There is an enormous amount of information on the world wide web about setting up fish tanks and it can all seem a bit too much when you first start looking into it.  There are probably half a dozen things that you need to think about when you do your fish tank set up.  If you get those right, you’ll be able to learn the rest as you go along, so stop worrying, make some decisions and start enjoying your first fish tank.

Firstly, tempting as it may be to start with marine fish, I would advise against it.  The fish are a lot more expensive so any mistakes can be very costly.  Secondly, eighty percent of people who start the aquarium keeping hobby give up within twelve months.  With marine fish there a lot more to think about, more to learn and the cost of equipment is higher.  Make it easy on yourself and start with a freshwater tropical fish tank set up.

Why a tropical fish tank set up as opposed to a cold water fish tank set up, simply because it will give you a much wider choice of fish for virtually no extra effort.  First off select your aquarium.  Start with something between 20 and 40 gallons.  A great size for beginners, big enough to be interesting, small enough to be easy to look after.  When you’ve got the hang of it you can always but a bigger tank or get a second one.  make sure that you get an aquarium with a power filter that comes as standard.  (You need to|All you need to do is} make sure that it can pump five times the contents of the tank every hour, so if it’s a 20 gallon tank, it needs to pump 100 gallons per hour, if its a 40 gallon, then its 200 gallons per hour.  Simple maths but important.  If you have a pump that is too small your fish will die.

Think about where the tank is going to go.  Avoid direct sunlight is crucial and somewhere where you can enjoy it without rearranging the furniture too much.  Get it right first time.  Moving a full aquarium and stand is not an easy job and one that you should avoid whenever possible.  Every gallon weighs ten pounds!

Get an extra Heater.  If one fails your fish will still be OK.  It’s surprising how quickly a tank can cool down if the power goes off or a heater down.

Now, think about the fish which fish you want, don’t buy them but do think about what fish you want.  Is this going to be a species tank or a community tank.  I like community tanks simply because I like to see how the fish interact with each other.  Choose some top middle and bottom feeders to balance the tank.  Make sure that they all get on together.  A bit of research and planning will avoid potential problems later.  Most aquarium shops will advice on compatibility of fish.

I say think about the fish because that will effect the next two decisions.  Which substrate and plants.  Substrate is the gravel or sand that goes on the base of the tank.  If you go for fish that feed at the bottom of the tank the substrate needs to suit them as well as the plants.  Sand or Fine Gravel is recommended for bottom feeders.  Choose the easy to look after fish to start with. They tend to be cheaper and are more likely to survive if you make mistakes.

You’ll need enough Sand or Gravel to cover the bottom of the tank.  One and a half to two inches deep at the front of the tank sloping up to about four inches at the back for the larger plants.  Get some laterite that you can mix in with the bottom layer of substrate to help feed the plants.  You won’t need a lot.  Choose plants that don’t need extra light or carbon dioxide.  You can always move on to the harder to keep varieties later on if you get the bug.

Ok time to start.  Place the aquarium in its final position, set up all the equipment like lights filter etc. but don’t plug anything in yet.  Clean the tank with clean water.  Do not use soap or chemicals.  Wash your Gravel or sand until it runs clear.  Mix laterite with about a third of your substrate and spread it over the base of the tank.  Add the remainder of the substrate covering the base layer evenly and landscaping it as you want it.  Put a plate in the bottom of the tank and add your water pouring gently onto the plate to avoid disturbing the laterite.  Add your water conditioner to remove any chlorine.  Once the tank is full turn everything on and let it run until the water is up to temperature.  Now add your plants, putting the large ones at the back and leaving space for them to grow.

Now it is time for patience.  The biggest mistake that most people make with a fish tank set up it is not cycling the tank properly.  Your fish will be living in their own toilet.  Their waste together with any uneaten food will rot and create Ammonia which is poisonous to them.  So you need to allow the nitrogen cycle to establish fully before adding any fish.  There are several ways of speeding this up but I find the household ammonia method the quickest and easiest.

Once your tank is cycled it is safe to start adding fish and start enjoying them.  Fish tank set up completed and not too difficult!

If you found this article interesting and would like to know more about starting an aquarium check out my website at http://www.aquariumhintsandtips.com

Nick North is a keen freshwater aquarium enthusiast and spends a great deal of his time writing articles to promote the hobby to anyone interested in taking it up as a pastime. He has now got his own website aimed at the new aquarium enthusiast which gives lots of useful information on starting your first freshwater aquarium. If you found this article useful check out the site at: http://www.aquariumhintsandtips.com

With the multitude of internet marketing services and techniques that you hear about daily as you get bombarded with promotional material after promotional material in our emails you come to realize two things. The rationalization of these two main focal points are what lead many online marketers to their doom.

The first thing you come to terms with as you start to focus is how truly overwhelming all of this is! You can’t possibly learn all of these new internet marketing techniques fast enough, master them and implement them effectively all at one time so that you can begin to promote your products, services or affiliate programs.

This brings you to the second realization. You need help! So you decide to hire internet marketing services that are provided by outside experts and so called gurus that promise to help you bring in more traffic, help you build your email list and ultimately increase your monthly sales volume. Don’t worry we’ve all made this mistake, but there is light at the end of the tunnel.

Take One Day To Evaluate All Of Your Resources

I can’t stress how important this is. Internet marketing services FEED on your frustrations! They know that you are bombarded daily by emails that you get from other internet marketing veterans that want to sell you their own products and services. In fact they’re counting on the fact that you’ve actually bought and paid for several of these and that at this point you’re so way beyond frustrated that you’ll do anything, even PAY THEM MONEY to provide you their own internet marketing services that are using the same internet marketing techniques that you could be using yourself for free.

Cancel The Majority Of Your Subscriptions

This is hard for most of us to do. We’ve grown to depend on the advice of these so called internet marketing services, experts and gurus. There is a symbiotic co-dependant relationship formed that has gotten you in the rut you’re in. I’m sure that most of the people you get all these emails are nice, but their bottom line is NOT to be you’re friend. They want to make money online just like YOU want to make money online. The key thing to consider here is that you need to STOP giving them your money and STOP spending all that time reading the tons and tons of emails, so that you can focus on what works and take action.

Stop Paying Internet Marketing Service Providers

This is often the hardest link in your chain to break. What little success that you’ve achieved thus far is only there because of your internet marketing efforts. In that back of your mind you’re telling yourself that the internet marketing services that are provided by online providers are working, just not quite as well as you want them too. The truth is that their using the exact same internet marketing techniques that everyone else is and these techniques are NOT hard to learn! When you stop paying for all the internet marketing services and start focusing your time and money more directly on taking ACTION you’ll notice that you’re paying out less money and yet at the same time your monthly income and website page ranks are still increasing.

Now Is The Time To Take Action And Start Profiting

I realize that things are still very overwhelming, especially if you’re just getting started or if you’ve have a history of trial and error which has brought you in little or no success. Take a deep breath, relax, relate, release and let go of that past that has haunted you. Let go of the overwhelming frustration that comes from inexperience if that is the problem. Internet marketing services and all these so called new internet marketing techniques are NOT the answer. Here’s a clue to get you started;

Social Networking & Social Marketing Is Not New

From the early days of the internet there have been internet marketing services that provided advertising services on bulletin boards, which later lead people to going online using dial up connections and creating social networks of their own through their AOL or other ISP connections. This is how things were done in the early days. What has changed isn’t the concept of social networking & marketing or internet marketing services. The real change that people are talking so much about with the whole buzz of the Web 2.0 craze isn’t social networking & marketing at all, it’s the fact that it’s become so incredibly easy!

With WYSIWYG The Learning Curve Is No Longer Steep

Social Networking & Marketing is definitely getting more popular with the WYSIWYG (what you see is what you get) interfaces that we see on MySpace, Squidoo, YouTube, FaceBook and the “groups” that you can join through Yahoo, MSN and the almighty Google. The new advancements make things easy to customize, add video and in many cases create your own “squeeze page” that you can publish and then use to promote your products, services and affiliate programs.

This is the secret to the internet marketing services that many of you are already paying for. Using these same principals there are online blogs and forums that you can use as well and these are no secret either. The only thing that makes it harder for newbies and people who have failed in the past is that they either don’t know HOW, they don’t know WHERE or they don’t fully understand WHY certain things are done the way they are.

One last thing to give you something to think about before I go

Please bare in mind that this is solely based on my own biased opinion, which comes from years of experience as a web designer, web host and internet marketing promoter. My thoughts on all of this are simple if you would like to save an incredible amount of time, energy and money. Try by focusing on ONE THING at a time and learn everything you can. There are video, audio and pdf style tutorials readily available at reasonable prices. All you need to do is find ONE SOURCE that you can get as much material from as possible at a reasonable price and then begin your learning experience.

Go in to this with an open mind. Often you may think that YOU KNOW something, when in truth you are familiar with what it is and the basics of how it works, but you’re not yet proficient enough to be called an “expert”…..yet. I add that last little bit because I believe that with the right tutoring you can and will be one!

Internet Marketing Services Are Charging Too Much

Stop Paying Internet Marketing Services – Sign Up Today Only $1 HIGHLY EFFECTIVE internet marketing strategies, videos & Audios!

[http://www.internetmarketing99.com/imd/internet-marketing-services.htm]

Internet Marketing That Gets You Proven Results

In recent years, it has become a growing trend to buy and watch classic television shows on DVD for your family entertainment. The availability of some of the all-time favorite classic TV shows on DVD and video has become pervasive throughout the U.S. This allows families to not only catch up on the past seasons of the television shows that they might have missed, but to go back to the classics that we and our parents grew up watching. It is now easier than ever to find seasons of shows that were produced 30 or 40 years ago, right alongside the DVDs of the television shows that are currently on the air. America seems to have become infatuated with remembering the characters and situations produced during the early years of television. What are the reasons for the increased popularity of classic television shows?

Classic television enthusiasts represent a large market of consumers. There were many classic sitcoms and variety shows that were aired between the 50s, 60s and 70s, that represent not only a large generation of viewers but a very powerful time in American history. They speak for the events of that age and include social and political commentary that goes right along with when they were made. Therefore, they are nostalgic entertainment and fun to relive. For those that watched these shows when they originally aired, classic TV DVDs allow them to relive that time in their life. For those that were too young to watch them when they first ran, DVDs allow them to appreciate the classics as new entertainment.

Classic television shows now available on DVD and video have created a new way to ensure that these memories are not lost. As more and more popular televisions shows became available on DVD in the 90s, there became a growing interest to see older television sitcoms on DVD as well. Shows like ER, Star Trek and The Simpsons were being sold at a tremendous rate which led to more and more people asking what happened to the other shows they once loved. Few television networks are able to show classic television programs which left a large gap of potential entertainment untapped and potentially gone forever. Without the DVD releases of these shows, the newer generations would have little knowledge about the early time in television history. But by allowing the distribution of these old sitcoms and variety shows through DVD, all generations can watch and love some of the classic shows and entertainers. Sonny and Cher, Donny and Marie and the comedic genius of Bob Hope can now be watched, remembered and cherished by those that remember when they were the stars of television.

In general, home entertainment and the purchase of DVDs has become one of the most popular entertainment expenditures for the American home. With televisions and DVD players become more sophisticated and movie tickets become more expensive, homes are opting to outfit their home to take on the task of keeping the family entertained. This means that more and more shows and movies to watch are also necessary. There is no shortage of network television to watch but there is a shortage on time to watch them all. When families know that they can purchase an entire season of a television shows on DVD in three to six months, they will do so. More and more we are finding families picking up classic television DVDs to watch because they weren’t able to watch them when they aired originally. With the television DVD market, it is now possible to follow the storylines of television shows that are on at exactly the same time. This is something that wasn’t possible even ten years ago.

Classic television shows are put onto DVDs so that a whole new generation of fans can watch them. Imagine a company that can make money off of a television series even twenty years after it aired. It no longer matters if a television show is currently on the air or not. With the new trend for putting classic television DVDs in consumers’ hands, classic shows are able to have a second chance at life. Some viewers can find shows from their childhood and enjoy the nostalgia that goes along with them, or they can teach their own children about the shows that they used to love. In the past, once a television show was no longer on the air, there was no way to see it again. However, now shows can be enjoyed over and over again. These shows are important to many viewers in lots of different ways and by putting these classic television shows on video and DVD, they can be popular for years to come.

~Ben Anton, 2007

If you enjoyed this article and appreciate classic television shows and movies, we invite to you to visit our site and view video clips of classic television shows and celebrities [http://www.classictelevisionblog.com/tv/classic_tv_programs/index.html] available on DVD.

Choosing the right fish tank for your pets is not easy. There are so many options out there, how do you select the right setup for your situation?

We take a look below at the mid-sized BiOrb 60 16 Gallon tank below, which has some interesting features for all levels of fish enthusiasts. BiOrb is an aquarium and fish supply manufacturer that takes a different approach to fish tank design, incorporating more stylish and contemporary elements into their aquariums.

So what’s the good, bad and indifferent about the BiOrb 60? Read below to see if it’s an aquarium that is right for you and your fish.

About the BiOrb 60 16 Gallon Fish Tank

BiOrb expands on its successful and highly popular 8 gallon fish tank with the BiOrb 60 16 Gallon aquarium. The BiOrb 60 continues the spherical shape BiOrb has become known for while expanding the space for larger fish and fish populations. The 16 gallon aquarium can be converted into a complete marine aquarium thanks to the largest biological filtration system the company has offered. The BiOrb tank is made from strong Plexiglas acrylic and as the largest aquarium in BiOrb’s Classic product line, can be had in five different designer colors. The tank comes complete with a 5 stage internal filter, air pump and halogen lighting system.

What Comes with your BiOrb 16 Gallon Tank

• biOrb 60 aquarium (16 gallon biorb )
• Ceramic media
• 1 Standard freshwater filter cartridge – (biorb service kit)
• Low-voltage Air Pump
• 12v Transformer
• Tap water conditioner and Beneficial Bacteria liquid
• Printed documentation

BiOrb 16 Gallon Specifications

• Height: 20.4 inches (52cm)
• Width: 19.6 inches (50cm)
• Weight (empty): 12pounds (1 kg)
• Weight (full): 130 pounds (61 kg)
• Volume: 16 Gallon (60L)
• 16v transformer
• Two connectors (light and airpump)
• 12 month guarantee
• 12v – safe low-voltage pump
• Quiet operation
• 12 month guarantee
• 1.5m airline with 1-way valve
• 1m power cable
• Plugs directly into transformer (supplied)
• Line voltage: 12V AC
• Complies with UL, ULC and CE safety requirements
• Child safe

Aquarium Setup Options

The BiOrb 60 16 Gallon can easily handle cold water and tropical water fish (with addition of Heater Pack). The tank can also be converted to a full marine aquarium with the addition of the BiOrb Marine Conversion Kit, which supplies everything you need to keep small marine fish and creatures such as hermit crabs, shrimps and marine snails.

For those looking to setup an aquarium right out of the box, the BiOrb comes with everything you’ll need except fish and decorations. The BiOrb 60 is a good option for fish enthusiasts looking to keep setup simple and maintenance to a minimum.

And while the BiOrb 60 is a great place to start for beginners, the tank allows for more experienced fish owners to expand the capabilities of the aquarium through add-on kits and advanced lighting options. The Marine Conversion Kit is designed to provide all that is needed for a salt water tank setup and the optional intelligent LED light can replicate sunrise and sunset conditions for those that want to provide a natural lighting environment for their fish.

Aquarium Care & Maintenance

Filtration systems are typically the first place to look when considering the maintenance and care commitment a fish tank will need. Reef One with their BiOrb and BiUbe products is consistently one of the best manufacturers for filtration systems. While any aquarium takes a commitment to regular cleaning and maintenance to maintain a healthy environment for your fish, the 5 stage internal filtration systems found on the BiOrb 60 makes maintenance considerably easier than many competing aquarium of this size.

BiOrb claims that their internal filtration systems have relatively more biological filtration than similar external filtration fish tank systems. While we cannot vouch for the effectiveness of the internal system in comparison to other external filter systems, the 5 stage system on the BiOrb 60 seems to work exceedingly well in our experience. We reserve judgment where external filtration systems are concerned only because there are some great external systems out there, such as the Eclipse systems by Marineland. This is not to take anything away from the BiOrb aquarium systems, but we’re not ready to either confirm or deny the companies claims their internal filtration is superior to external filtration systems.

Aquarium Design & Appearance

Once again, the BiOrb 60 16 Gallon tank exceeds most competitors when appearance and design are considered. BiOrb does an excellent job of melding form with function in the BiOrb 60.

The aquarium is perfect for virtually any room of the house. While many aquariums tend to look a little boring without fish and decorations, the same cannot be said of the BiOrb 60. Even right out of the box, the design is stunning. The 60 is truly a fish tank that will add to any room to which it is added. A fish tank for an interior designer, or someone who appreciates a clean, aesthetically pleasing look.

Aquarium Reviews

What’s good?

• Great design and appearance consistent with entire BiOrb fish tank product lines
• 16 gallon tank allows for more fish than some of the smaller tanks
• Larger size allows for more types of fish, bigger fish
• Complete aquarium kit features everything you need to prepare your tank for your fish
• BiOrb 60 16 Gallon instruction manual includes FAQs, how to and recommended fish
• Biorb Plexiglas Acrylic is 10x stronger than glass
• The service kit filter system is easy to change and clean
• Versatility of use with cold water, fresh water or salt water setup capabilities
• Filtration makes maintenance easier than many equivalent tanks
• BiOrb’s advanced five-stage filtration system allows for a healthy, clear environment for your fish

What’s not so good?

• You’ll pay a premium for BiOrb quality and design
• Visible area of fish tank is smaller than a conventional rectangular tank due to curvature of orb shape

Fish Tank Review Summary

The BiOrb 60 16 Gallon tank is a great option for beginners looking for a slightly larger BiOrb tank than some of the smaller aquariums and experienced fish owners looking for a tank that can grow with their hobby alike. A great internal filtration system, clean, attractive design and versatility of setup makes the BiOrb 60 16 Gallon a fish tank we recommend enthusiastically.

For more recommendations, information and reviews of fish tanks and fish equipment, visit BiOrb Tank Reviews.

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

Why temperature is so important

NB. F = Degrees Fahrenheit and C = Degrees Centigrade

Temperature is critical in determining how long to cook a turkey, for the simple fact that the bird must have reached a uniform temperature of at least 165 F throughout in order to destroy harmful bacteria. You do not want to give your guests food poisoning!

The turkey is a weird shaped food source! – Large body covered with thick flesh around the breast area, large legs made up of dense muscle and a large internal cavity. Because of this, it is not so easy as cooking a single joint of meet for example. The breast meat tends to cook much faster that the dense muscular leg meat, so there is a risk of over-cooking the breast meat whilst waiting for the leg meat to cook thoroughly.

Deciding how long to cook a turkey is not an easy question to answer as there are so many variable factors to consider.

The type of oven

With conventional gas or electric ovens (not Microwave, Convection, Rotisserie) the top of the oven is the hottest zone. The middle part of the oven is usually the coolest zone. The bottom part of the oven is usually also a cool zone in a gas oven, but in an electric oven this area can be a hot zone. As the turkey will remain in the same position throughout the cooking cycle, this will influence the length of time and how evenly the turkey cooks.

Microwave ovens work on an entirely different principle but due to the larger size of turkey compared to chicken, may not be large enough to cook turkey.

Convection ovens are more efficient than conventional ovens because an internal fan circulates hot air all around the food. Turkey cooked in a convection oven should be more evenly cooked with maybe a 50% saving in time.

Rotisserie ovens are also more efficient than conventional ovens because the food is continually turned allowing heat to penetrate evenly.

Size and weight of the turkey

No surprises here, but the larger and heavier the turkey, the longer the time period for cooking! If the turkey is so large that it only just fits into the oven, seriously consider using a bigger oven or buying a smaller turkey. The reason for this is that to cook the turkey thoroughly, there must be a good air space all around the turkey to enable hot air to circulate. If this is not the case then it will be difficult to gauge cooking times and ensure even cooking throughout.

Fresh or frozen turkey?

Many people prefer to cook a fresh turkey as the taste is said to be superior to frozen. Fresh turkey should be purchased 1 to 2 days prior to cooking and stored in a refrigerator. When ready to cook take out of the refrigerator and allow to come up towards room temperature.

Frozen turkey is more convenient for many people however and provided the correct thawing out procedure is followed, should be safe and tasty. Care must taken to follow the suppliers thawing out instructions correctly, including that applying to stuffing. A general guide to thawing frozen turkey stored in a refrigerator is to allow 24 hours for every 4-5 pounds weight (e.g. a 14 pounds turkey would take 3 to 4 days to thaw out).

Deciding how long to cook your turkey

Professional chefs cook their turkey at an oven temperature range 325 F to 350 F (170 C to 180 C).

As a guide, if you are cooking a 12 pounds weight fresh or thawed frozen turkey without stuffing using a conventional oven operating at a temperature of 325 F, the likely cooking time would be 3 Hours. When stuffing is placed within the turkey it will take a little longer to cook through so the cooking time must be increased. Refer to a good turkey cook book for full instructions.

Testing temperature when cooking your turkey

The old school method for testing when your turkey is cooked is to use a clean metal skewer. When the approximate cooking time is up, you take the turkey out of the oven and carefully pierce the thickest part of the leg with the skewer. Remove the skewer and press against the leg to see if the juices run out clear without any trace of pink – if the juices are clear then the turkey should be cooked.

There are more accurate methods available using modern technology, more suited to the amateur or newbie chef:

• Use a temperature probe food thermometer designed to be inserted directly into the turkey during the cooking process, as directed by manufacturers instructions. This continuously monitors the internal cooking temperature so you can be certain that the correct minimum temperature is achieved.
• Use a thermometer (designed for the specific purpose) to register the internal temperature of your oven so as to check the accuracy of your ovens temperature controls.
• When the turkey has cooked and has been removed from the oven, use an “instant read” probe food thermometer to check the internal temperature of various parts of the turkey e.g. legs, inner thigh, breast, internal cavity stuffing. The turkey should be allowed to rest for approximately 30 minutes after cooking and the internal temperature must be at least 165 F to ensure that the meat is cooked sufficiently well and safe to eat.

Turkey cooking tips

1. Some professional chefs suggest pre heating your oven to a much hotter initial temperature of 425 F ( 220 C ). Place your turkey in the oven and leave for approximately 15 minutes. Then reduce the temperature down to the correct range selected e.g. 325 F for the remaining time. The idea here is to give the turkey a good blast of heat which penetrates right into the meat and any stuffing.
2. Consider cooking stuffing outside the turkey in a casserole.
3. To protect the turkey breast from over-cooking and drying out, consider placing stuffing under the breast skin. You should carefully peel back the skin and work your fingers and then your hand under the skin to free it from the meat. Spoon the stuffing into the cavity and then replace the skin and secure down to avoid anything leaking out.

Enjoy your turkey dinner celebration!

The author is an enthusiastic home cook loving traditional recipes. For a complete guide to cooking turkey made easy visit http://howto-cookaturkey.com