Friday, January 25, 2008

          

Basements And Garage Stuff Can Be Gold!'

Once every year, it is advisable that a homeowner checks his attic, basement and garage for unwanted stuff. As time passes by, there are some items and appliances that are no longer needed and only take up room.

Before anything else, check with your family members to see if they still need the item that you are thinking of selling. Sometimes, it may seem like trash to you but for your significant other or children, it may have sentimental value. If the item, such as books, CDs, magazines or trinkets aren't ready to be thrown away or sold, keep them in storage boxes and neatly place them in a corner of the basement or attic, away from the pests such as termites, cockroaches and even rats.

Just like a commercial on TV, in order to attract the attention of your neighbors or passers by that youre having a garage or yard sale, put up a big sign. Better yet, put an appliance out by the road that would really make their heads turn something big and old but still re-usable.

Now, cleaning the basement, garage and attic is really challenging because it requires patience when sifting through each item. Afterwards, you double check whether you can sell them or not. If you can, then you have to clean them up before presenting them to potential buyers.

The basement and garage are the most challenging to sift through. First of all, you have to check with your husband if he still needs those tools or your wife if she still has use for those appliances. As for old toys, books, magazines and CDs, your children might be holding on to those for sentimental reasons.

Thats the challenge to garage sales. Most people can't let go of the stuff they can sell because of sentimental reasons. Sometimes they do, but then the price is too high. Remember that these items for sale are only sentimental to you, and not to the buyer. Grandpas chair is only grandpas chair in your eyes. For a possible buyer, it is living room furniture.

In cleaning the basement and garage stuff it is advisable that you start in one area, finish it, then move to the other. Don't rush it. Take your time. Since these are where most of the old schoolwork and appliances are kept, be very careful in lifting because if you do it too quickly, they might fall on you.

Ask help from family members in fixing and cleaning the garage. This can be a family-affair over the weekend. Usually, it only takes one to two days to sift through all the items that have been stored.

Now that you have cleaned the garage, the next step is to label the things you will be selling. Tools are a bit more expensive than living room appliances even if theyre second-hand.

However, before presenting them in a stall or booth in front of your house (wherever youll be holding your garage sale), make sure that the garage tools youll be selling are repaired and cleaned. Youll gain from this because thoroughly cleaned second-hand items may seem brand new to the buyer.

To earn more, you could also ask help from your relatives or neighbors. If theyre willing to do so, they can also have their own garage sale. In doing so, this may call in the attention of more people and collect more money if pulled successfully.

The secret to a successful garage sale is patience. In the end, youll also benefit from it. Not only will you be earning extra cash, youll also have more space in your garage and your basement for future storage.

Thats why you must always make it a hobby to clean your garage and basement whenever you can. There are also funny stories when uncovering a sentimental item during spring cleaning. That item alone brings back good memories. You should try it once in a while. Sometimes going back to what is important in your past can either be useful in the future or cathartic to where you are in the present.

Ainuddin Mohamad is the Webmaster of http://www.BestWebsites.com.my which is a Directory of Best Websites. Since 2000 it has featured thousands of best websites in many categories of interest with descriptions/reviews given by leading publications and webmasters.Pippa Blog28395
Pamella Blog34288
          

How to Save Big Money on Buying Automobile

Competition gets you the best price for any deal. We all know it is cheaper to fix things yourself but many people walk into a dealership without knowing how much they can buy that same auto for using other sources and when you don't know in advance what you should be paying, you're in deep trouble.

If you are looking to save money on your purchase of new or used auto than auto dealer or auto trader are the best options. They make your shopping experience enjoyable. Number of online auto dealer has personally viewed, photographed, and recorded all the detail of virtually all the vehicles for the sale each day. We will take a look on all the facilities provided by the auto traders.

Auto Repair:

Online auto dealers give you informations that can help you locate the best auto service and repair center. You can find number of auto-related companies and shops that work on auto parts and auto bodies to make your auto to be in good operational condition. They include auto body and parts, auto part and accessories, auto repair and maintenance, auto detailing and cleaning, auto air conditioning, auto tires, etc. they are experienced on the job, and employ quality ASE-certified staff so that you get the best service. Auto repair will help you to keep your car running better and for much longer.

Auto Insurance:

Auto insurance in the state where the vehicles are registered is required by Law. Auto insurance is compulsory but hardly anyone understands the provision or coverages outlined in their policy. Auto insurance is important, because it not only covers you and your vehicles, but it also cover your liability associated with damages you cause to other person or property.

Auto traders have tie up with auto insurance companies to provide you with auto insurance. To star saving on purchase from auto traders ask if you are getting all the discount you qualify for. Before getting into any auto insurance policy you should know policy coverage. Three kinds of value are important top understand when buying your policy. Actual Cash value, stated value and most important Agreed Value. Make sure the rate of premium, because each auto insurance carrier you request a quote from will quote you a different premium.

Auto dealer provides you with all the information related to new as well as used automobiles. You can easily get the list of auto dealer in your city or you can get it from net. Online auto dealer is your all in one solution to purchase you next dream new or used auto.

Anna Josephs is a freelance editor having experience of many years in writing articles and news releases on various topics related to health, automobile and social issues. Currently, she is working on http://www.benzer3.com. To get more details on Auto parts, please visit http://automobile.benzer3.com/auto-part.html . Please feel free to write feedback on this article. Anna Josephs can be contacted at annajosephs@gmail.comOriana Blog72110
Petronille Blog91828
          

Unpack Once And Visit Many Destinations

Cruise lines caters to those seeking a complete escape from the stressful routine of daily life by being the consummate host in the worlds most beautiful settings. They offer a total experience with many unique itineraries, affordable private balconies, flexible mealtimes and the amenities and individual service of any luxury resort. The cruise lines are famous for their unfailing devotion to providing high quality service.

What is so great with a cruise? Imagine being pampered at a luxurious resort and waking up each morning to a brand new, stunning view of the world. The well-appointed ships boast all the amenities you can expect from a land-based vacation and more, including many choices of restaurants and live entertainment.

The Caribbean Cruise Lines are just one of the areas you can choose. The number of destinations are many and depending on the time you have to spend, you can see a great deal of the world. And when you dream about the perfect vacation, what comes to your mind? Breathtaking scenery and exotic, far-away lands of course. Most of us also dream about a little rest and relaxation with a day at a therapeutic spa, or a cocktail on a balcony as you bask in the romantic glow of the setting sun.

A wonderful thing with a cruise is that you need not worry about making hotel reservations or searching for the right restaurants as the
cruise ships are filled with everything you need for an all-inclusive vacation.

Before I started to look into to the options with a cruise vacation I thought it was very expensive. Yes, it can be, but the cruise fares vary depending on your choices and it is affordable for many more than I expected. What is normally included in your cruise fare? Usually

Stateroom accommodations including bed, bathroom, shower and TV
Personalized service of one staff member for every three passengers
Dining
Las Vegas-style Casino and Broadway-style shows
Fresh water pools and deck parties
Kids program
Gym and training
Library and card room
Night club

There are usually more features available on the ship but to an additional cost

Spa and massage
Beauty salons
Shopping in boutiques
Shore excursions
Fitness trainers
Bar drinks

With so much to see and do it is no wonder that more and more people discover the great value of a cruise vacation. Discover the great frontier of Alaska. Gaze at vast glaciers and towering mountain peaks. Or sail past sampans into Hong Kong Harbor and learn the art of Chinese kite-flying and see rice paddies where water buffalo graze. You can weave your way through the tapestry of Thailand, Japan, Vietnam, South Korea and Malaysia. And you can capture the most dazzling images of China and its treasures on a cruise tour to the Forbidden City and beyond.
Keith George always writes about valuable news & reviews. A related resource is http://the-caribbean-cruiseline.info/ Further information can be found at http://the-equipment.infoRee Blog18390
Penni Blog9250
          

Relive Life With The Grand Bahamas Island

We all take life as it comes. Everyday seems to be the same. Getting up in the morning, having breakfast, going for office, school, college, going through grueling sessions, getting back home and again waiting for the same routine. This scenario is almost the same for all the families. Life seems to be the same monotonous thing. But at times we do tend to deviate from the hassles of the daily life and want to leave behind the hustle and bustle of the daily life. We generally tend to take a break from the daily life by going for vacations and when vacation is concerned what can be a better place than the Grand Bahamas Island. The Grand Bahamas Island can be the apt place for a memorable and a relaxing vacation with your family as well as your friends.

The entire grand Bahamas Island is an assortment of seven hundred beautiful islands. And the best part is that you can indulge yourself in the grand Bahamas Island. Not only are the grand Bahamas island a beautiful place to be in, they also give you the liberty to free the sportsman spirit in you. The grand Bahamas Island gives all visitors ample scope to enjoy adventurous and amazing outdoor games and water sports. Once you step into the grand Bahamas Island you are bound to be thrilled and excited and have a gala time. The grand Bahamas island have some really beautiful places that boast of scenic beauty and have the ability of mesmerizing tourists who visit the grand Bahamas island.

In fact once somebody visits the grand Bahamas Island, he is bound to come back over and over again as the grand Bahamas island is one place that just can not be avoided. Nassau is the capital of the grand Bahamas Island and it is a beautiful place to visit. It is one place that can make you go weak in your knees and trust me you will love being there and this one place will make you crave for more of it. You can go with your family, your friends and leave all the tensions and all the hustle and bustle of the daily life behind. Once you plan to visit the grand Bahamas Island you will need to arrange everything. You will need to look through traveling guides and at the same time look in for some tour package that will offer you some good discounts and also make your visit to the grand Bahamas Island a grand one. It is in fact a good option if you can fix up a travel agent for yourself. These travel agents are of great help. They not only provide you with a good travel and a staying package but they also help you to go around in the Bahamas and explore the entire place.

In fact taking your family for a vacation to the grand Bahamas Island can be the best gift that you can give to them. Make them feel all pampered and loved by taking them to the grand Bahamas Island. In fact the grand Bahamas islands can make you forget all the tensions and the problems of your daily lives and can make you love life and live life king size.

Suzane Gray has been offering Bahama travel and vacation packages advice for quite some time.To find bahamas golf vacation, grand bahamas island,cheap bahamas vacation package that best suits your needs, visit http://www.gobahama.comPeri Blog57946
Priscella Blog53647
          

Donate Your Used Car

Planning to sell your old car? Think twice before doing so, since you will have to go through the procedure of contacting an agent or will have to put a classified in your local newspaper to sell your car. This would cause you constant phone calls and disturbance. Besides this it will take you a lot of time to sell your old car and find a suitable customer at the best price and get the paper work done.

With all these hassles, do you want to go through to sell your car? Consider donating your car to charity. There are many car donation programs run by different car charity organizations. You can donate your car to any of these charities or any of the charity that you support. The main charities which run a successful and trustable car donation program are American Kidney Foundation, Kars4Kids, Cure Childhood Cancer and Activated Ministries apart from the others.

You can donate your car to these charities. All you will need is your old car and a clean title. When you donate your car you will get a tax cut. This tax cut is usually equal to the price of your used car. To find out the cost of your car you can get it appraised by a certified car appraisal expert or refer to the Kelly Blue Book (KBB). Now with this information with you, all you have to do is give a call to your favorite car charity and they will have it picked up from your door step. Besides donating your car you can also donate your boat and motorcycles.

This car that you donate will help support the needy and give them a better life and also get you a tax cut. More importantly countless blessings. So go ahead, donate your used car today.

Anurag Pareek writes for Car Donation Infoline You guide to charitable car donation and car donation program . Donate your car and help a needy.Oralle Blog23458
Rhetta Blog60487
          

Raclette Potato Recipe

If you like baked potatoes and tasty cheese you should definitively try this Raclette-Potato Recipe. It's a Swiss specialty and I'm sure you will love it!

Here is what you need to get started:

8 middle-sized Potatoes (I would recommend sweet potatoes)

Table salt or sea salt

400 grams of Raclette-Cheese (sliced) (you should be able to find it at your local superstore)

8 pickled gherkin cucumbers (sliced in halves - longitudinal)

16 Silver Skin Onions (from glass)

Paprika (to season)

Cooking Instructions:

Cook the unpeeled potatoes until they are soft and cut them in halves. Now put the potatoes onto a greased baking sheet (intersection up).

Scatter some salt onto the potatoes

Dispense the sliced raclette cheese onto the potatoes

Put the pickled cucumbers onto the raclette cheese

Now bake your raclette-potatoes for 12-15 minutes at 430F / 220C

When the cheese is melted, take the potatoes out of the oven and put some silver skin onions onto the raclette-potatoes.

Enjoy your Raclette Potatoes!

This can easily be served as main course along with salad.

When eating hot cheese like in this recipe, I always recommend drinking hot tea instead of cold drinks. Your stomach will be grateful if you did.

A recommended source for Kitchenware and Kitchen Supply: http://www.kitchenniche.ca

Sandra Spielmann is the owner of an online Kitchen Store (http://www.kitchenniche.ca) and loves to cook. All articles can be used and reprinted as long as you include all links that are in the articles.Phillida Blog16975
Randene Blog26250
          

Are Travel Agents A Thing Of The Past?

In the past, before the advent of the Internet, it has largely been too time consuming or too expensive for the average consumer to deal directly with the travel operator and personally arrange every aspect of their holiday. Travel agents became a trusted and speedy medium via which the holiday consumer could book a package that would otherwise be impossible for the independent consumer to find.

The role of the travel agent includes three key tasks:

1) Perform the function of the information broker, passing information between buyers and suppliers

2) Process transactions including printing tickets and forwarding money to suppliers

3) Advise travellers on places to go, things to do and other important information

These three tasks have been lampooned by the information and facilities provided on the Internet. Consumers have recently realised that it is possible to research their planned holiday fully online. Users can find out about specific regional information at the click of a mouse. Small local hotels, specific local attractions and regional tours can be researched with ease before a booking is considered.

In the early years of the Internet, consumers tended not to trust booking online. It was perceived that parting with credit card details over the Internet was not a secure method of payment. Users instead tended to research everything they wanted to know before hand and then contact their travel agent either face-to-face or over the phone to book their holiday package.

The Internet offers an effective means for developing a single and sustainable electronic infrastructure for information gathering and business transactions for both travellers and suppliers. It is an ideal method for people to source information on travel. It is therefore essential for travel-related Websites to offer useful, pertinent and easy-to-find information alongside a booking facility if appropriate. The Internet can be used to fully research a destination, book all aspects of the holiday including travel and communicate others who have the same ideas or have been through similar experiences. It gives travellers an excellent opportunity to compare and contrast everything on offer before they make a purchase.

The information available online is continually being reformatted and presented in a more logical, easy-to-use and read format. The volume of consumers that rely on this information to make travel-related decisions will therefore continue to rise. In addition, features and benefits of using the Internet to research and book holidays are improving and being added to all the time. For example, consumers no longer have to receive printed tickets from the travel operator. They simply print out any information that they require themselves after they receive it automatically via email.

The Internet has meant that people can now easily plan trips for themselves. This has not only opened up a greater amount of discounts available to the general public, but also given people the fun and enjoyment of planning and booking their own trips.

Are travel agents a thing of the past? The future isnt looking too rosy for them. They might perhaps retain their presence in certain specialist markets, where they can offer a unique service to individual market segments but if youre a love all, serve all travel agent youve probably seen your income levels drop significantly over the last few years.

David Bain is founder of the UK travel website http://www.TREKtheUK.com. TREKtheUK is a comprehensive UK travel guide featuring lots of places to go and things to do. Why not consider England travel?Ophelie Blog1482
Phoebe Blog16711
          

You Might Be A Published Author If...

You've ever printed up several copies of your work and passed them out at the mall.

You've ever written something pithy on a restaurant napkin and left it for the waitstaff.

You've ever written a poem in the memo of your checkbook.

You've ever published a selection of stories in a three ring binder for neighbors as a 'welcome to the neighborhood' gift.

The truth is, the definition of a published author might be more encompassing than you may have realized. Most aspiring writers tend to think of a published author as one who has had a manuscript accepted for publication in a book or magazine. However, because there are assignable rights to your work it is important to know that chances are very strong that you are already a published author.

If you have posted a story on the web, you are now considered a published author. This scenario can be confusing and sometimes frustrating for writers because some publishers only accept work that can be provided with first or exclusive rights. If the piece has been published on the web, these rights are no longer available.

It should be noted that there are also many publishers that will accept second rights or non-exclusive reprint rights for those works that have been published before.

One of the primary reasons to consider web publishing is because it allows an audience to read your work and provide feedback while allowing you to grow as a writer.

When you begin a writing career it can be very important to find as many avenues as possible to allow your work to be seen and the web provides a readily accessible forum for doing just that.

Some will refer to this as assisting in the building of a portfolio which is essentially a means of showing potential publishers that your work has been accepted (or published) in a wide variety of venues.

The more publishing credits you have the greater your chances are that a publisher will review your work a little closer.

If you have ever participated in a writing contest, had your work accepted by an ezine or had a writing printed in your local newspaper, you are now a published author.

The bad news is you've forfeited the opportunity to sell the piece for first and/or exclusive rights.

The good news is you are realizing a dream that is forfeited by many because of the fear involved in clicking the 'submit' button.

Scott Lindsay is a web developer and entrepreneur. He is the founder of FaithWriters (http://www.faithwriters.com) and many other web projects. FaithWriters has grown to become one of the largest online destinations for Christian writers. Members include writers from all around the world. Please visit the website at: http://www.faithwriters.comPeria Blog85422
Orelle Blog13992
          

Arizona: A Touch Of The Great Southwest

When you visit Arizona, youll relish in the rustic beauty and grace of the great American southwest. Visitors have so much to explore from the Grand Canyon, one of the Seven Wonders of the World, to unique hiking trails, world-class golf courses, Indian reservations, parks, monuments, native wildlife and desert critters along a stretching, picturesque desert panorama. Arizona, one of the four corners states, borders New Mexico, Nevada, Utah and Colorado. Its south-most border crosses over to Mexico.

Arizona is primarily recognized for its colorful and magnificent Grand Canyon formed by water erosion from the Colorado River. Tourists for decades have marveled at its beauty. The awe-inspiring natural gorge lit with orange, red and yellow landscape is the perfect backdrop for hiking, whitewater rafting, motor coach tours and mule riding. The setting is also a tranquil place to watch the sun set. One of the oldest national parks, the Grand Canyon National Park, spans 1,902 miles and offers views of the historic Watchtower and Hermits Rest, offers shopping at Indian reservations, adventure on nature walks, trails and romantic, evening star gazing. Camping is equally popular, with countless camp sites within Grand Canyon Village. These grounds accommodate RVs and tents, ranging from $10 to $25 per night. Advance reservations are highly recommended.

Dine at casual saloons or gourmet, award-winning restaurants. Local cuisine is heavily influenced by the Native American and Hispanic cultures. Enjoy salty home-made tortilla chips and salsa, tantalizing marinades, steaks, seafood, pasta, tacos, tostadas, crepes and mouth-watering chocolate cakes.

Arizona is home to some of the worlds best resorts, day and destination spas, so you can treat yourself to fine European and Asian-inspired body wraps, beauty treatments and scrubs. Both men and women can relax and rejuvenate with a professional massage, body and skin treatment, private whirlpool, steam room and sauna, pool or fitness center. For a longer, more enriching event, visit a premier destination spa and realize complete peace, balance and tranquility.

Natural, local scenery includes large plateaus and mountains touting waxy, succulent plants and cactus. Summers are exceptionally hot, while winters are mild and comfortable. The state also boasts one of the largest stands of Ponderosa pine in the nation. North-central Arizona is home to the Colorado Plateau, while the southern region is known for its Basin and Range region.

Clinton Douglas IV, write about travel for http://www.vasrue.com.Pippy Blog60659
Phillida Blog31341
          

Perfect Your Skills at Gift Giving

Trying to give a gift to the guy who has everything? Have a new friend who just hinted that it is her birthday and you just dont know what to get her? Have a dad who never really looks pleased with what you got him for Christmas?

Gift giving is sometimes madding, many times exasperating and one of the most procrastinated things we human being do. For tips on becoming an expert gift giver, go to the link at the end of this article. If you have a limited time for gift giving, here are a few suggestions that are unique and not often thought of ideas when a gift is needed and you just dont know what to get

For a friend who loves wine and has you over for wine occassionly and still uses a plane wine opener there are so many great, easy openers that are unique: The Rabbit Corkscrew uncorks in 3 seconds, the Winemaster Corkscrew is for gadget lovers, The Travel Screwpull Corkscrew is great for a wine enthusiast who travels.

Price Range: 20 to 200$

For a friend who loves fresh flowers a Gift Certificate for a month, 3 months, 6 months at a florist shop near their home. If you know of one on the way home from their workplace thats the one to get. Just make sure you have checked the place out and see that their arrangements are to your friends standards. Websites like Flowersonly.com will even delivery, on a monthly basis, the flowers or gift baskets you select from their webpage. If you are short on cash, long on caring a single, perfect rose or favorite flower presented personally to a female will do the trick (NOT from the neighbors garden, from a legitimate florist), the florist can embelish it with some free greenery or babysbreath for accent. If it is a male you are getting the flowers for and you can get blue flowers, especially blue roses it is a great idea. 96% of men will tell you that blue is their favorite color. And for a female, remember with roses: Yellow = friendship, Red = love, White = true love. Be careful in this area.

Anniversary gifts from spouse to spouse are supposed to be personal. If it is for your mate and you dont even know what to get them seek therapy NOW. There are several books that give advise on questions to ask your spouse. You need at least one. That being said, for the rest of you gift givers, here is the list of anniversary gifts by year, traditionally:

Traditional List
1 year is a paper anniversary
2 years is a cotton anniversary
3 years is a leather anniversary
4 years is a linen anniversary
5 years is a wood anniversary
6 years is an iron anniversary
7 years is a wool anniversary
8 years is a bronze anniversary
9 years is a copper anniversary
10 years is a tin (or aluminium) anniversary
11 years is a steel anniversary
12 years is a silk anniversary
13 years is a lace anniversary
14 years is an ivory anniversary
15 years is a crystal anniversary
17 years is a turquoise anniversary
20 years is a china (porcelain) anniversary
25 years is a Silver Jubilee or silver wedding anniversary
30 years is a pearl anniversary
35 years is a coral (or jade) anniversary
40 years is a ruby anniversary
45 years is a sapphire anniversary
50 years is a Golden Jubilee - not to be confused with the 'golden birthday' (not at a fixed age)
55 years is an emerald anniversary
60 years is a Diamond Jubilee
65 years is a blue sapphire anniversary
70 years is a Platinum Jubilee.
75 years is a diamond wedding anniversary
80 years is an oak wedding anniversary
There are variations in some national traditions.

Gifts to rock their world:

For the man who has everything: A professional massage planned at work (call his boss and arrange the timing to not conflict with any important business)

For a hot relationship: An overnight stay at an adult hotel after a romantic dinner. (make sure the hotel is high class not one where prostitutes get hourly rates.

For a couple with no money, but a TV set: Males, tell your woman you love her, wish you could give her the world, but can she accept at this time in the relationship your holding her hand during the shows and cuddling with her all night, breakfast in bed in the morning. Female: Get something that resembles ribbon, wrap it over the remote and tell him he gets to watch whatever he wants tonight with you sitting next to him and sharing the experience.

Gift Certificates are great for any occasion as long as you follow the rules:

Make it as specific as possible but broad enough to enjoy. Specific, something you know they like, NOT BECAUSE YOU LIKE IT, you can like it, just know that they like it. Know, dont assume. If they go to the movies regulary, a pass to a theater with 21 screening would rock, passes to your favorite sub-titled french film would not rock.

If they are always brand name clothes shopping a gift certificate to a store that carries their brand of clothing would rock, a gift certificate to Walmart would not rock.

If they are into tools and do-it-yourself home projects, software of house how to such as Home Depot or This Old House would rock. Giving them a drill would not rock (unless you know they are looking for a drill and you know it is their favorite brand of drill).

These little things may seem obvious to those that gift all of the time and receive rave reactions. Bless you. But for those of you who feel you bumble and stumble through the gift giving process I hope this helped.

For More Free Information and Ideas and Places to Shop Visit: http://giftingknowledge.blogspot.com/

Mary OBryan has gifted, taught how to gift and has made a career of choosing gifts for others for 20 years.Perrine Blog89102
Rickie Blog42331
          

Wine, Wine Clubs & Storage

For those who enjoy the taste of a fine wine, signing up for membership in a wine club may be just the ticket for quenching your thirst. Wine clubs are designed as special interest clubs that are tailored to educating their members on fine wines and also the sampling of various wines from around the world. Today, there are a number of wine clubs in existence with each operating differently from another. One of the most common practices of wine clubs is a monthly or annual subscription fee, which must be paid by the members, in exchange for the privilege of inclusion.

Among the popular activities shared amongst wine club members include regular receipt of fine wines from around the globe, purchase discounts, invitations to wine events and tasting sessions, information and news surrounding the industry and opportunities of travel to regions known for wine making.

In order to comply with legal requirements, wine club members must be age 21 or above prior to enrollment. New members are often required to provide two forms of identification. For those who are eligible, wine clubs are proving to be well worth the cost. In addition, it gives members an opportunity to sample free wines that they may otherwise not have the opportunity to try.

After joining a wine club, you may find that your newly inspired knowledge has lead to an impressive collection. In order to keep your wine organized and stored safely, you may want to consider the purchase of a wine rack. These storage devices are designed to house wine bottles for long term aging, but may also be used as temporary storage. The majority of wine racks are created so that the wine bottles may be stored on their side while maintaining a slight slant towards the neck of the bottle. By storing the bottle in this position, the wine will remain in constant contact with the cork, which will then be prevented from drying out. Depending on your choice of material and your budget, you may be pleasantly surprised to learn that wine racks are made of a variety of materials. This includes stone, wood and steel and the capacity can range anywhere from several bottles of wine to thousands.

For many, wine is an investment. For others, its a passion. Regardless of whether you enjoy the taste of a fine wine for love or for profit, being introduced to samples from around the world and knowing how to properly store and preserve your wine will make the taste in your mouth even sweeter.

Dennis Conner is a regular contributor to http://www.winehit.com where more information about wine is available.Penny Blog84520
Ranique Blog76485
          

Forget About Rare Gems, Let's Talk About Metal Types for Engagement and Wedding Ring Bands

One key decision to make when you build your own engagement rings is the metal. Yellow, white gold and platinum are most common. Titanium bands and silver are less so. Rose gold engagement rings or copper are pretty rare.

Titanium bands are the new black in the wedding industry. Titanium has a long history in industries such the military, aerospace, medicine, etc. but has only been widely seen on the fingers of brides and grooms for the last 20 years. While titanium is not rare, it is one of the strongest materials around, compared to other materials of similar weight. For example, titanium weighs 75% less than gold, but is 50% stronger than steel of the same weight. Titanium is a tough cookie and will outlast other metals such as gold and platinum.

Wait, there are even more advantages to titanium bands. Since titanium is one of the 9th most abundant metals around, it is relatively inexpensive, thus, it will usually cost less than platinum and sometimes less than gold. The cost in titanium jewelry is not for the raw metal but the artistry and labor involved in designing the ring. Titanium is also hypoallergenic and will not make your skin turn green or other unsightly shades. It is a low maintenance metal and doesn't tarnish

Titanium can be combined with other metals such as silver, gold, and platinum and embellished with any kind of gemstone. It can also be colored to have sheens of any shade of the rainbow.

Titanium bands also have a few downsides. Titanium is often marketed as being scratch-resistant, but that's not exactly true. Titanium bands will show small scrapes and scratches just like gold and platinum wedding bands. However, any local jeweler should be able to polish a titanium ring look new again. you need to take care when picking out your ring size because re-sizing titanium rings is nearly impossible. You may be able to slightly increase a titanium ring size, but you really can't make it any smaller. Thus, don't plan on losing any weight after you purchase your ring.

There is an urban legend surrounding titanium, since it is such a strong metal, that if you get a titanium ring stuck on your finger, you will not be able to get it off and your finger will have to be amputated. What a horrible thought! This is not true--- as with other metals such as gold or platinum, if need be, titanium can be cut off one's fingers with a professional-grade ring cutting tool.

I don't think I've ever seen any women wearing rose gold engagement rings. Nonetheless, they exist and while not typically sold in most mainstream jewelry stores, can be found in antique stores. Victorian antique engagement rings (1835-1900) were often set in rose gold. You can also find rose gold engagement rings that are produced today. There are some online jewelry stores that actually specialize in producing them.

Most people have preferred the color of gold to remain close to that of pure yellow gold itself. Gold only naturally occurrs in the yellow shade. All others shades are produced by mixing 24K gold with other metals. Pure gold is too soft to wear as jewelry and so alloys are almost always added to it, regardless of the color desired. The term alloys refers to a combination of two or more metals. Gold alloys are a combination of gold, copper and silver. Nickel, zinc, and palladium are common components of white gold alloys. To create rose gold alloys, the silver content of gold is reduced while the content of copper is increased slightly. The more copper that is added to it, the deeper the rose hue.

One thing to note when shopping for a rose gold, is that the color of rose gold may subtly intensify with age due to a tarnishing of the the copper.

Julie Shields is recently married and is sporting an ascher cut engagement ring. She put together the website http://www.ultimate-engagement-ring-guide.com to help you find the perfect ring.Rachelle Blog36242
Peta Blog26662
          

Best Steakhouse USA is Your Source to Indulge in Your Tastes

Have you ever wondered what would happen if there was no steakhouses? Well, this is something that is simply unacceptable, especially more for steak lovers. This is something that they can never ever imagine. Steak lovers are huge in number and this is the reason why steakhouses try to be the best steakhouse in USA. To become the best steakhouse is not an easy task for any steakhouse. They will have to fulfill several parameters to be able to actually vie for being the best.

One thing you must realize is that a steakhouse is not all about serving people with a piece of meat and potatoes. There are many more things to a steakhouse then just beef and potatoes. The ambience, dcor and the interiors are one of the first things that attract customers. To become the best steakhouse in USA, steakhouse owners will have to take special care of their steakhouses. This will help them to attract the maximum number of customers and become immensely popular among steak lovers.

Word of the mouth is a very good way of getting new clients to come to your place. So first of all you will have to satisfy all the wants of your existing clients if you want them to spread good words about your steakhouse. Mostly you will find that steak lovers take the opinion of fellow people who love to eat out in a steakhouse. Make sure that your interiors of the steakhouse are attractive enough to attract the best steak lovers in your city. Only the best can attract the best, so you must take all efforts to make your steakhouse the best.

All Steakhouses that aim to cater to the taste buds of steak lovers must make sure that they have different varieties of steak to serve to customers. Steak lovers like to have their steaks cooked at varied temperatures. The taste of steak differs greatly depending on the degree on which steak is cooked. Some of the varieties of cooked that are very popular among steak lovers are rare steak, medium rare steak and medium steak.

Steakhouses also serve a wide variety of soups to customers. French onion soup is one hot favorite among customers who frequent a steakhouse. One can also find lots of surf and turf dishes to satisfy their tastes in a steakhouse. A surf and turf dish actually satisfies two tastes at a time. One can enjoy eating a good piece of steak that is cooked rare or medium as per their liking and also enjoy eating seafood. Different types of sea food like lobster and crispy side dishes like potatoes, cheese and macaroni can be found in a steakhouse.

So if you plan to eat out in a steakhouse with your family and friends, make sure that you do the bookings well in advance. Last minute bookings can often mean that you will not be able to find bookings and may not be able to enjoy your eating out session. A weekend crowd mostly means that finding a proper place will be difficult if you do not make arrangements for this well in advance.

Neil Folley holds a Masters Degree in Hotel Management. He loves good food and arranging private parties. He is working for Markjosephsteakhouse. Enjoy perfect dining experience and wines in Steakhouse Bar Specials, New York. Also enjoy for good food and best soups Visit http://www.markjosephsteakhouse.com.Randy Blog81558
Pru Blog41367
          

Take Hurdle Free Easy Finance On Opting For Bad Credit Tenant Loan UK

Bad credit is no more taken as a sin when such a borrower goes shopping for a loan though terms and condition are a little tough. Especially if the borrower happens to be a tenant, not owning any property worth taking loan against, meeting expenses becomes all the more difficult. If labeled bad credit, tenants can take refuge in bad credit tenant loan UK. Tenants can make use of bad credit tenant loan UK for different purposes like buying vehicle, paying for medical bills, going to a holiday tour etc. The loan can be availed by homeowners also if they do not want to risk property for fear of its repossession. Students and people living with parents are equally eligible for the loan.

Tenant is tagged bad credit because of payment defaults from his or her end and faced County Court Judgments and bankruptcy. On FICO credit score scale ranging from 300 to 850, credit score of bad credit tenant is either 580 or below which is considered as risky for offering loan.

However, despite bad credit, tenants get bad credit tenant loan UK in easy manner. Tenant should convince the lender that the loan will be paid back in time. To do so, tenant should produce proof of employment or source of regular income. This to some extent assures about safe return of the loan. No collateral is required to be offered to lender for securing the loan.

Tenant can borrow bad credit tenant loan UK anywhere in the range of 1000 to 25000 which is generally sufficient for meeting different expenses. The loan is usually given for smaller duration ranging from 6 months to 2 years. Interest rate is kept higher but it should not discourage tenant as the loan is paid off within months and the interest rate burden is not felt much. The loan is approved quickly as time wasted in collateral evaluating is saved.

It is beneficial to apply for the loan online. Number of lenders offers bad credit tenant loan UK packages in response to the loan application. Do not forget to compare them for lower interest rate and better terms-conditions. Online lenders charge no fee for processing application and give related details free.

Bad credit tenant loan UK thus is perfect option for tenant suffering from bad credit. The loan goes long way in improving credit score of tenant besides meeting necessary expenses. Pay off monthly installments in time to avoid incurring debt again.

Peter Taylor is a senior financial analyst at BestTenantLoansUK with an acumen for finance and insurance.To find Personal loan for tenant UK ,unsecured personal loan, adverse credit personal loan, new car loan, home improvement loan that best suits your need visit http://www.besttenantloansuk.co.ukReyna Blog17332
Pepi Blog51030
          

Monetary and Currency Related Travel Tips For Travelers to Istanbul, Turkey

Istanbul is the largest city of Turkey with a population of approximately 13 million people which makes it one of the largest cities in Europe. The city sits on both Asia and Europe that makes it arguably the only city that is located on two continents. Istanbul used to be the capital to Byzantine Empire until it was conquered by Ottomans in 1453. The date is considered in modern history to be the end of Middle Ages. The modern day Istanbul is very different than what is used to be and faced many changes and challenges since the end of Ottoman Empire during the beginning of 20th century. Due to its perfect location, Istanbul throughout centuries has never lost its important status as a port of commerce and a cultural center. As Turkey's economy has recently started to emerge again in the last few decades, the city has again started showing changes of going back to its glamorous days. Istanbul is one of the nine candidates for the upcoming 2012 Summer Olympics and it also hosts many different international conferences and exhibitions throughout the year.

ATMs are widely available throughout Istanbul and you should have no problems if you land in the city with nothing but a credit card. Credit cards, however are usually not accepted by most of the government agencies, public museums or other historic places run by the government. You may frequently have to run into an ATM and withdraw some cash to cover for such expenses. Visa and MasterCard are two of the most popular credit cards and they are accepted by almost every merchant that has a processing machine. However, you may have difficulties at some places if you are carrying an American Express Credit Card. Most of the touristic places, larger shops and hotels will accept American Express but still you have a better chance carrying a Visa or a MasterCard with you rather than running into a merchant that does not accept AMEX. If you are traveling to the suburbs, you may want to stop by an ATM and withdraw some cash while you are still in the city. Citibank branches provide the option of making withdrawals in multiple type of currencies such as US Dollar or Turkish Yeni Lira.

Exchange bureaus are very popular in touristic areas and usually are easy to spot. They exchange almost all currencies and charge no commission while offering good exchange rates. The change bureaus at the airport or most of the hotels do usually not charge a fee either but they offer worse exchange rates. You should try to avoid exchanging the bulk of you currency at the airport. Instead, try to exchange an amount that you think will be enough for a day or two and save the rest to the city.

Hakan Silistre - is the author for Hotel Lamartine's travel tips section. Please visit http://www.lamartinehotel.com for more travel tips and city specific information written solely for prospective travelers headed towards Istanbul. Riva Blog10776
Philippe Blog28692
          

Adult Dating Sites, Done Just Right, Are Great

Dating is a lot easier back when I was still young. But now that Ive gotten older and have more responsibilities than before, I find that I dont have enough time to spend on socializing with people my age. Is your situation the same as mine? If it is, then you might want to try adult dating sites. We use to meet people through our friends and acquaintances but now that we dont have the luxury of time, dating sites on the Internet gives us a new way of interacting with people for fun, friendship and romantic purposes.

Adult dating sites makes finding singles near your place more convenient, giving you more opportunities to find potential partners for intimate relationships. Most sites have features that let you browse through a gallery of local guys and gals, allowing you to choose your type. Send a few messages to those you like and you may find individuals who are looking for the same kind of relationship. Its also possible to find all types of ethnicity, nationality, religion, marital status, and age group. Adult dating sites gives you all the freedom you want to choose who you want to connect with.

Finding prospective partners through online adult dating sites is quite simple. All you have to do is make a good profile by posting your best picture and adding a few interesting details about yourself on the Internet. You can then wait for emails from other singles who found you appealing. If you want to a more aggressive approach, you can contact those you find pleasing yourself. All of which can be done easily through your PC at the comfort of your room. You dont have to seek out the local hotspots to find other singles, you can have a pleasant conversation with your new found friends through online dating sites.

Todays technology allows you to mingle in many different ways. Adult dating sites enable you to socialize with people through txt messages or chartrooms. You can even communicate through voice chats, making it possible for you to hear your friends lovely voice. If you want to spice up your life, adult dating sites will give you just that. No matter how busy you may be finding interesting friends is now convenient and easy.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning dating. Get more information by visiting http://www.singlesanddatinginfo.com/singles--dating/singles--dating/adult-dating-sites-done-just-right-are-great.htmlRandie Blog66536
Pearline Blog83801
          

Boundary Waters Canoe Area Wilderness In Minnesota - A Great Vacation And Travel Destination

An absolutely amazing vacation destination in Minnesota is the Boundary Waters Canoe Area Wilderness. There are amazing physical features, like gouged rock, that have been carved into the land from huge glaciers that once existed in the area. The glaciers created canyons, cliffs, hills, crags, huge rock formations, beaches, rocky shores, and thousands of lakes and streams as well as islands and lots of trees. This area is wilderness at its best and it is so peaceful and beautiful that anyone who has the opportunity should stop by the Boundary Waters Canoe Area Wilderness in Minnesota.

The BWCAW as it is frequently called exists in the northern portion of the Superior National Forest. There are approximately 1.3 million acres and the wilderness extends along the boundary between Canada and its Quetic Provincial Park for 150 miles. There are more than 1200 miles of canoe routes for canoeing enthusiasts to enjoy as well as 15 different hiking trails. Lots of campsites exist in the BWCAW as well and it is believed there are more than 2000 of these.

If you are looking for a vacation destination that is completely different than any one you have ever experienced then you should definitely check out the BWCAW in Minnesota. The wilderness will give you a chance to reflect on your life, see how the environment has been changed over the years and even relax in a way that you have never been able to do before. That's because there is no TV, cell phones, or any other outside disturbances to intrude on your peace and quite.

This is a perfect place for families because it allows everyone to find something they love while also spending a lot of time together. Many times when families go on vacation they don't spend much quality time together because everyone is separated doing some other activity. At BWCAW you will have the vacation of your dreams.

There is a website that has great information on USA Vacations and Unique Travel Spots Listed State By State and Season, the website is called: Seasonal Vacation Spots, and can be found at this url:

http://www.seasonalvacationspots.com

By Robert W. Benjamin

Copyright © 2007

You may publish this article in your ezine, newsletter, or on your web site as long as it is reprinted in its entirety and without modification except for formatting needs or grammar corrections.

Robert W. Benjamin has been in the software business on the internet for over 6 years, and has been producing low-cost software for the past 25+ years. Pauline Blog54743
Reba Blog3890
          

How To Beat Rising Gasoline Prices

With Gas Prices at an all-time high, how can you get to where youre going without breaking the bank? Dont worry, you dont have to give up driving altogether!

1. Compare Gas Prices

The advent of the internet has made comparison shopping much easier. There are many different websites that compare gas prices in different regions. Find out what gas station in your area has the cheapest prices before filling up. A few dollars here and there can really make a difference.

2. Carpool

Instead of giving up your car completely, try carpooling. This way you will be paying at least half the gas that you did before. If there is more than one person in your carpool, you will save even more. Carpooling to work can often be the best idea because you will likely have similar start and finish times.

If you dont want to carpool because you are worried about the inconvenience, think about the time that you gain waiting or the time that you gain when it isnt your turn to drive. You can use that time to read, to plan, or to do whatever feels right for you.

3. Be political

Write to your local representative to explain why you feel that gas prices are a major issue. Each letter or email sent to a senator, member of parliament, or other government representative counts for many voices, because politicians know that most people are too lazy to write in. So have your voice heard by writing. Try to change the problem entirely. You can even start off an email forward or get people to sign your letter before you mail it. This will help amplify your voice.

4. Know the system

You know that gas prices normally go up before long weekends. Often, prices rise before a weekend and fall slowly throughout the week. Chart the gas prices in your area to find out when the gas is the cheapest, and schedule to buy gas on that day.

5. Watch the pump price

If the pump price is very low, fill up! Even if you still have half a tank of gas, you might as well fill up now before prices get more expensive. It is easier to keep the top half of your gas tank full than to wait until your gas light goes on and start to panic about the high prices.

6. Use alternatives

Whenever possible, bike, walk, take the bus or subway, and think of creative ways to avoid using gas. If you can minimize your gas usage, then you will minimize your expenses.

The price of gas right now is rising, and because gas is a non-renewable resource, it will probably continue to rise. Do what you can to beat the prices. You can even buy a hybrid car, or an energy efficient car. Although you might not feel that you can afford to, with a good car loan, the money you save on gas could be going straight to your new car.

Andrew Dillan is an editor at http://www.theguideto-carloans.com/budgeting_for_a_car/. For information on how to find and pay for a fuel-efficient car (or any car!), visit The Guide to Car Loans today.Petunia Blog79205
Pam Blog41555
          

Cars Invaded Moscow: Scientists Beating The Alarm

Moscow has managed to outstrip New York and take one of the world leading positions in the number of cars per square kilometre. By the end of November 2006 the number of cars in Moscow is expected to exceed 3 million 200 thousand; scientists worry that busy traffic in the capital of Russia poses a threat of ecological catastrophe. In project there exist various prospects of solving the problem: paid roads in central parts of the city, the toughest control over petrol quality, ban on transit for drivers from other regions. Authorities are planning to put most of the ideas into life within the shortest period of time.

The growth of auto transport quantity in the capital has undoubtedly gone out of control: in rush hours Moscow roads are overflown with more than 850 thousand cars: 4/5 of all atmosphere polluting emissions in the city have fallen at auto transport, hence many of the pollutive enterprises were compelled to leave the areas within the Moscow Ring Road. Ecologists claim that the situation with poisonous emissions is critical and Muscovites' lives are under potential threat.

Cars moving through the centre of the city blow out around 150 thousand tons of emissions annually, while industrial factories located in the central districts of Moscow only 2 thousand tons. At the present moment the level of nitrogen dioxide and small suspended particles in the capitals atmosphere has equalled with that in Paris, Madrid, and New York.

70% of all cars in Moscow are quite old and were made in Russia which means that many of them have gasoline-engine not even meeting the Euro-1 standards. 15% are used foreign-made cars with engines matching the standards of Euro-2 and only 15% of all new foreign-made cars meet the standards of Euro-3 accepted in Europe. Following European auto standards for Russia means more than modernisation its a matter of survival.

Ecologists are also discussing the need of tough petrol quality control in the capital of Russia aimed at avoidance of additive agents found in most of petrol tests held on local petrol stations. The most spread agent found by experts is tetraethyl lead which was proved to change genetic characteristics of biological organisms, including humans.

A strict ban on transit of freight transport in Moscow is another potential measure. Some authorities are sure that 80% of freight traffic is constituted by illegal auto transport, including private organisations from Moldova, Dagestan, Ukraine, and other countries and regions. Representatives of ecological policy claim that next year a special law restricting driving on several roads and districts of the city will appear. First of all, such law is planned to apply to the most problematic and critical areas of Moscow.

One more idea seen by authorities as an effective solution of the cars crisis is paid access to the centre of the capital, toughening control over technical condition of cars, and systematisation of traffic on the main thoroughfares of the city.

Source: www.trud.ru

Photos: deviantart.com

Lavrentyeva Natalya

This content is provided by Lavrentyeva Natalya. It may be used only in its entirety with all links included. For more information on Russia and other useful information, please visit http://www.russia-ic.com/travel/. Quintilla Blog13248
Pepita Blog25515
          

Car Alarm Reviews

There are quite a few places online where you can peruse through various car alarm reviews. Many of these services are free, though you can expect to pay some kind of fee for more comprehensive information, like that which can be found at http://consumerreports.org .

The Consumer Reports website has many automotive reports and comparison ratings of automotive products. There is also a section specifically about car alarms, but this area is definitely not as comprehensive as other sections of the website.

Whether you opt for free car alarm reviews or one of the more premium services, reading about other customers' experiences with the same car alarms that you are considering buying, will not only save you time and money, but may also help you discover some other car alarm features that are relevant for your particular lifestyle.

There are many free review sites, such as http://nextag.com . These re convenient to use, with the main drawback being that they only feature items from the most popular merchants. This is what some people want, but those looking for a bargain may be disappointed with the price range of prducts reviewed on sites like these.

Recently eBay has even added a review section to their website. This can be accessed at http://reviews.ebay.com/ . You can find everything from car alarm reviews to reviews about books, DVDs and almost any other type of product you can imagine.

The reviews section on eBay is relatively new, so some of the sections are not very populated yet, but I imagine it's only a matter of time before these sections are just as full of information as the discussion boards and other busy areas on eBay.

In any case, eBay is a great place to buy your next car alarm once you decide on the appropriate model. For the most part, you can find car alarms at prices that are at least as low as the commercial websites on the internet. And sometimes you can find the same car alarm for a great deal less than you could find one at a regular commercial store.

Remember, though car alarm reviews can help you discover what other people thought of their car alarms, the reviews really can't tell you very much about what your experience of the same car alarm will be for sure. Take some time to stop and consider which features of the various car alarms are important to you, and which you could do without.

As long as you take your time and decide which features are most relevant to your lifestyle and needs, you're sure to find just the car alarm that will best fit your life. Once you decide on the features you want, take in some customer reviews, see how that affects your previous decisions, and make a final decision from there.

Dewey worked for a security company as an alarm technician for more than 5 years. He has experience with both the installation of alarm systems for homes or for automobiles. At http://www.fantomizer.com, he provides a free technical chart on the pros and cons and the most popular alarm systems that are available on the market.Petronella Blog96613
Piper Blog44371
          

Take A Virgin Island Cruise

Sometimes called American Paradise the US Virgin Islands are not only full of white sandy beaches and blue water but green mountains and hills. This makes the islands a popular destination for vacationers. There are plenty of tourists during its peak season during November through May.

To get to the Virgin Islands one must fly or travel on boat. A number of Virgin Island cruises make their way to St Thomas or St. Croix. There are fewer ships reaching St Johns docks as it is the smallest of the Virgin Islands and therefore cant accommodate certain cruise ships. If you do want to reach its shores there are day trips that can be arranged. St John does not have an airport so you will have to make use of the ferries available on either St. Croix or St. Thomas.

Charlotte Amalie is the capital city of US Virgin Islands and it has the distinction of having the most frequented port of the Caribbean. This is where most cruise ships dock. There is plenty to do in this town such as taking meals at numerous restaurants, going to one of the many duty free shopping centers and or taking part in a variety of land or water sports.

Here are a few names that offer a cruise line going to the Virgin Islands:

Carnival Cruise lines, Princess Cruise Line, Caribbean Cruise Lines, Norwegian Cruise Lines, Costa Cruises, Radison Seven Seas Cruises, Sea Dream Yacht Club, Windstar cruises, Celebrity Cruises, and many others. The cruise ships have all the comforts and luxuries you can think of and come in many different sizes to accommodate anything from as little as six people or a lot more.

You can sail with your own yacht to the Virgin Islands. There are services available that can accommodate a range of vessel sizes for long and short term guests. And if you dont have a yacht you may charter one and all you will have to do is to get details like food and drinks organized.

To book your vacation cruise, the best source is the internet. There is the option of traveling on a day cruise but most find that time is not enough. With a Virgin Island cruise you are able to see more and take note of the other little islands as you go on your way.

Anne Morris writes articles about travel. Discover more information about travel at http://www.virginislands-online.com and http://www.motorhomezone.com.Rebecca Blog9051
Pearle Blog88390
          

Artificial Yet Elegant Jewerly

Jewelry has become one of the status symbols in the society these days. It also adds to the stylishness of a person during important occasions. So it has become important for all people to sport some kind of jewelry or the other these days. However, it may not be possible for all people to buy expensive jewelry for the purpose of flamboyant display. This is when the cheap artificial jewelry comes in handy.

Artificial jewelry is more economical than many others found in the market. Hence, they are within reach of most people in the society. People toward prefer jewelry which is simple and elegant at the same time. Fast changes trends lead to continuous change in the type of artificial jewelry being worn today. Though gold and diamond jewelry is still preferred widely by many people, they do not have the financial status to purchase them. In such a case, good artificial jewelry resembling original gold and diamond jewelry comes to their aid.

The various advantages of artificial jewelry are:

They can be worn on a few occasions and replaced easily as they are not very expensive. They have different models of jewelry for each individual occasion.

They can be worn even by children as we do not have to fear about getting stolen, damaged or lost. Any additional care need not be taken in their use.

Artificial jewelry is available in the required sizes and is very comfortable to wear. One need not sport bulky gold chains to look pleasing to the eye any more.

They are available in a wide range of colors and varieties. The wide range has made the task of selection difficult for the customers or the people.

Artificial jewelry includes everything like earrings, chains, rings, anklets, nose pins etc in different colors, sizes and shapes.

They can be chosen to match with a particular dress or outfit. Since these are very cheap, people can afford to have some jewelry separately to match a particular group of dresses.

Artificial jewelry is mainly made from silver, platinum, leather, plastic, titanium and many other metals and materials. Rubber and plastic bracelets are recognized by children all over the world.

Artificial jewelry is very economical considering the classiness they provide. These are available in different price ranges to meet needs of different people. Surely, artificial jewelry is here to stay.

Linda Polansky writes about http://www.jewelryanddiamondguide.com/, http://www.jewelryanddiamondguide.com/Coupons/Blue%20Nile.html and http://www.LatestCouponCodes.comRheba Blog40901
Ranee Blog22600
          

Woodworking Machinery For Home

Since the beginning of time men have worked with wood to mould it into shelter and to serve many different functions. Really the only thing that has changed is the tools they use to make their projects. In fact, the basic concepts of drilling, sawing, and shaping have remained the same throughout time. It is only the speed and precision with which they are able to do it that has changed.

The 3 Most Important Pieces of Woodworking Machinery

If you could only stock your workshop with three pieces of machinery, what would they be? Here are some reasons why these 3 pieces of equipment make a complete workshop.

1. Circular or Table Saw: This can be a handheld or table saw. A table saw offers more versatility as it can be angled for mitre cuts and allows jigs to be used for better precision in cutting long lengths of boards. A hand saw can make straight or curved cuts. Even materials other than wood, such as vinyl siding, can be cut with a saw with interchangeable blades.

2. Router with Table: A router allows for fancier cuts and more professional looking woodworking projects. The table beneath the router just makes the job easier. A guide fence keeps wood in place as it cuts. An adjustable table will allow you to work intricate details at a height that gives you the most control.

3. Jig Saw: When your wood projects are not limited to mouldings and flooring a jig saw allows you to craft all sorts of smaller, more detailed projects. You can create toys, decorations, carve signs or intricate fireplace mantels with a jig saw.

Of course there are dozens of pieces of woodworking machinery and basic tools that serious wood workers need. Usually the home improvement novice starts with the tools they need for their first project and build from there. In trying to decide what a good first project to tackle is and which tools are needed to go with it, one of the easiest and most affordable is to install wood mouldings. Crown moulding is inexpensive and requires learning how to make mitre cuts. There are corner pieces on the market that make the job even easier and the only machinery needed is a basic saw. An air compressor that has a hydraulic finishing nailer attached is also another great piece of machinery for installing wood mouldings or flooring.

Timeless Tools of the Trade

There are hand tools that are timeless and are still used the same today as they were even centuries ago. The chisel for example can shape a single piece of wood into a masterpiece. A good set of chisels today can still create the details of a router with precision based on the skill of the craftsman.

A hand square or set of squares allow for exact squaring of corners and edges. They are the first step in the old carpenters adage, measure twice and cut once. Squares make sure everything is right before making any permanent cuts.

Combining the best of the old and the new is most likely to create a workshop of woodworking tools and machinery that work for you. Soon youll develop a preference for the way one tool works over another and your inventory of machinery will grow to reflect the next big project on your list.

Ken J. Morris publishes almost entirely for http://www.insidewoodworking.com , a web publication covering information on used woodworking equipment and rockwell tools. Writing for works like http://www.insidewoodworking.com/machinery/index.html ,the writer showed his skill about woodworking.Pamela Blog41582
Pegeen Blog72506
          

Do You Have Real Control Of Your Business?

As I have seen over the years the workings of companies large and small I have always been surprised at how few CEOs and MDs really get their monthly reporting information set up to help them run and have control of the business. So heres my check list on what I believe you need do:

To run your business effectively it is essential that you have the right financial and other key performance indicators provided to you regularly and you need to remember that (regardless of what others may think) this information is there simply to help you run the business.

You must therefore ensure you get it in a format, a level of detail and using terminology that you are happy with.

Accountants, just like most professions, make their activities appear more complex and difficult to understand than necessary - I think it must be some form of self-preservation activity that we all have!

So let's start with the terminology:

Each of these terms mean exactly the same thing:

orders = bookings
order book = backlog
backlog = overdue orders = back orders
sales = revenues = turnover
cost of goods sold = cost of sales
gross profit = trading profit = contribution
operating profit = trading profit = PBIT = EBIT = surplus = EBITDA(sometimes)
earnings(sometimes) = EBT = PBT = net profit
debtors = receivables
creditors = payables
stock = inventory(sometimes)
cash = liquidity
work in progress = work in process

- and there are many more*

So you need to get in your helicopter and take control youre the boss. Decide which accounting terminology (finance-speak) you wish to adopt and then make everyone, including your auditors, stick with that in everything you, and they, do.

The next thing you need to be clear about is the information you need and the way in which you want it to be presented.

All the figures you see in a set of accounts are, by definition, historical but what you need to do, of course, is look to the future. Running a business successfully is much more about looking at trends rather than absolute figures and you need to track key financial information month on month, year on year and against budget to really see the direction the business is going in.
It is so easy to get bogged down in the detailed numbers and miss the big picture and Ive actually seen this more with Corporates than with SMEs.

I worked for Burmah Oil at one time and their monthly reporting packs and annual budget packs were up to 50 pages long! and were not drawn up in any way to help the CEO run the business. When I was at BTR, however, the reverse was true. They had the most outstanding monthly reporting pack I have come across it was never more than ten pages and the first page summary gave you an instant overview of the business from which you could then go further into any areas of concern. Ive since used that format in many companies and if youd like a copy just drop me an email at roger@rogerharrop.com

So what information do you need on this front summary sheet?

Start with whats most important - Profit that is if your purpose in some way involves profitable growth.
If youre in the type of business where there is a time lag between receiving the order and the sale taking place then you need Order Input as this is the very first indication you get of whats going on in the business.
Also have Order Book so you can see what youve got to go at.
ROS (Return on Sales) see later
Depending on the business, one or two balance sheet items always including Receivables.
Cash Flow is very important
People Numbers
one or two non-financial ratios which are relevant to your business for example OTIF (delivery on time in full) and maybe a quality, customer satisfaction, service level or health and safety measure.

That information alone shown month on month, tracked against last year and your budget should give you sufficient trend indications to see instantly the health of the business and how things are going.

Next I have always found the need to get in the helicopter and look at the big picture more with financial information than probably any other area of the business.

Along those lines, I would strongly recommend that you draw up a simple helicopter P&L account with only those 7 elements shown below whenever you are looking a budget - be it your own, or one that, maybe, a subsidiary company is putting forward to you for approval, or indeed merely to compare year on year performance:

If you're in a manufacturing business then as likely as not you will have some element of labour and factory overhead taken into your product costing and your gross margin calculation and I find whenever comparing year on year this can really make true comparisons difficult. So if you have such a business you will need to have a further line included above of labour, overhead and materials going into or coming out of stock (just one figure) to complete the P&L statement.

If your purpose, like many businesses, includes sustained profitable growth then a key performance indicator is ROS (Return On Sales). This is PBIT as a percentage of sales and what you are seeking to ensure is that not only your absolute profit figure increases year on year but also that your ROS also improves every single year.

For that to happen, of course, one or more of the P&L elements below the sales level in the P&L must be reducing as a percentage of sales.

The key ratios therefore you should look at in the above P&L when comparing, say, a budget for next year with forecast performance for the current year are simply the individual line ratios against sales - because only by each of those reducing can the ROS increase - it really is that simple!

Weve concentrated so far mainly on the P&L but, of course, businesses go bust because of a lack of cash not a lack of profit.

Control of working capital (essentially receivables, payables and inventory) is very important for you to monitor.

You should regularly look at receivables days and inventory days (where appropriate) and have a discipline of doing regular cash flow forecasting -which really isn't hard to do with a reasonable degree of accuracy no matter your business.

You may by now be saying to yourself that you can really rely on your Accountant or your Finance Director or Controller (depending upon the size of your business) to do all the above analyse and monitoring for you and you should not need to worry about this.

Please do not make that assumption - it's very dangerous. It's your job to run the business, and that means that its your job to keep a grip on the key numbers and trends.

* Before writing this article I put this list to about a dozen financial people around the world. I received back from a number of them some very pedantic statements that I was wrong and that certain terms were definitely not equivalent and had quite different meanings. The problem was, however, not all this pedantic statements agreed with each other!

© 2006 Roger HarropPhilomena Blog8656
Peggy Blog20562
          

Rhinestones - Woman's Next Best Friend

If diamonds are women's best friend, rhinestones can also be a womans next best friend. For those who cannot afford expensive diamond jewelry may consider getting rhinestone costume jewelry instead. The brilliance from a rhinestone can make you a center of attraction, may it be on your wedding day, parties, proms, and pageants.

Rhinestones are colorless or colored artificial gemstones that simulate diamonds and other gems. They can be made of glass or paste, but the best rhinestones are cut from quartz crystal. Rhinestones have a fused, metallic backing that reflects the light and gives the stones fire

The original "rhinestones" came from the river Rhine. These Rhine-Stones gave way to mass-produced glass rhinestones. Most are backed with gold, silver, or tinted foil, or tin, to simulate dazzling gem colors. Finer rhinestones are hand-faceted and polished, many are hand-set within prongs. Unfoiled rhinestones usually have a high lead content creating fire and sparkle. These are referred to as crystals. Austria and the former Czechoslovakia are noted for crystals.

Sometimes rhinestones are called diamantes or crystals, however what's the difference between rhinestones and diamants?This is a straight forward answer, none at all ! it is just different "names" for the same product. Most brides love to wear rhinestone jewelry for their wedding day, the brilliance from rhinestones can be on par from those that comes from a real diamond. Most importantly, their cost is much lower. However the buyers should be aware that some sellers might simply pass off rhinestones as a cheaper source of diamonds!

Generally, the higher the grade, the more they will sparkle. The actual cut of the stone is not noticeable at a distance but it can affect the brilliance, and the cut combined with the overall quality, usually dictates the price. Most rhinestones are Austria and Czechoslovakia produced. Their differences are minute, Austria and Czechoslovakia produced eight facetted (Art 2000) rhinestones but the Austrian Swarovski stones were far superior. However as technology improved, the best quality Czech produced stones became almost indistinguishable from the Swarovski ones, and because of their price structure, were becoming increasingly competitive.

There are many different colours in the rhinestone collection. However the most popular colour is the original clear coloured ones. As it can simply match any dress style and you can wear them for both formal and semi formal occasions. Strong blue and red rhinestones are always popular in the industry, AB rhinestones /crystal (Aurora Borealis) are also well liked among brides because it has a rainbow-like effect to the basic stone color, and may somewhat lighten the base color. This Effect is most commonly associated with Crystal stones.

Vien Pang is the editor/ designer for Brilliance Jewels Corp- Your source for rhinestone jewelry. You are invited to visit http://www.brilliancejewels.com/ to view their rhinestones collection.Piper Blog2078
Oneida Blog8743
          

When The Effects Of Jetlag Leave You Feeling Left Behind

The disorientation of the body is referred to as jet lag and it is nothing but the consequence of the crossing time zones. It affects the individuals complete internal setup along with his physical condition. People who travel a long distance at a stretch experience this condition and this situation sometimes affects the business of business people. Some common symptoms of jet lag are uneasiness, loss of drive, fatigues, inability to concentrate due to lack of sleep, headache and irritation.

Usually, the severity of jet lag depends upon the direction of the travel. Some experts say that the occurrence of jet lag to people is more during their travel in the eastern direction. This is due to the rhythm of the body extending up to 27 hours during the travel of a person in westward direction. The body is able to adjust to the changes in the environment.

There is something called "circadian rhythm" which is greater than 24 hours for people traveling westwards. This is due to the lengthening of the time of the day giving more time for a persons body to adapt. We cannot have a quick change over from this situation, but can bring ourselves back to normal condition later. Plan ahead and see to it that you are able to cope up with such new bodily changes.

Here are some tips for you to overcome jet lag

-Jet lags can be coped up with natural lights. Hence staying outside during day time is preferred for the body to adjust quickly and get accustomed to the new surroundings.

-Adjustment in their bedtime schedule can prevent the severity of jet lag and in turn the body also will be able to cope up with the change in time setting.

-To start eating and sleeping according to the timing of the new surrounding would help for a better recovery from the condition.

-Business people and athletes who have to keep up their time can go to their destinations ahead of time in order to have some extra time for any adjustments.

There is nothing much to worry about jet lag since it is just the adjustment of the body to the new surroundings for a better experience. Taking proper measures to prevent such unpleasant situations during travel will ensure a pleasant journey. Taking proper rest and having proper food will definitely help you to come out of such jet lag and adjust to the new environmental conditions.

Cathy Peterson writes about http://www.traveldealsdiscounts.com ,http://www.traveldealsdiscounts.com/discount-travel-deals/Site59.com/ and http://www.traveldealsdiscounts.com/discount-travel-deals/Travelocity.com.Pris Blog40714
Phyllis Blog42019
          

Toronto Real Estate: Finding the Perfect Neighbourhood for the First -Time Home Buyer

You have decided to take the leap into becoming a homeowner. Youve done your homework, you can recite the CMHC fee schedule, you can calculate land transfer tax in your head, and you have even bought the DVD box set of Flip this House.

But what about choosing a neighbourhood?

While personal considerations such as living close to family (or keeping a comfortable distance from them) may limit your selection to only a few Toronto neighbourhoods, there are otherwise over two hundred communities across the city from which to choose. Here is a sampling of some of the more popular neighbourhoods for first time home buyers:

Riverdale and Danforth Village

From Broadview to Woodbine, straddling the first few streets on either side of the Danforth, and Danforth Village combine to offer a selection of stylish entry-level character homes. Perfect for the young urban dweller with a disdain for the uniformity of suburbia, this area offers convenient subway access, cool Danforth dining and shopping, and a range of prices for every budget. Riverdale is superb both for finding homes with great bones for the ambitious do-it-yourselfer, and finding magazine-quality renos for those you want to just move in and impress their friends.

Riverdale and Danforth Village Real Estate Values: Entry-level Danforth Village homes range from $250-400,000 while entry Riverdale homes range from $400,000-550,000.

East York

The portion of East York spanning from the Danforth north to OConnor Drive offers some of the best value in all of Toronto. It is still possible to find homes for under $325,000 that are on quiet streets, are close to the subway, and that dont give you an icky feeling when you step inside. The author can personally attest that East York is a very pleasant place to live, as it is where she bought her first two homes!

Thinking about eventually either having a family, or needing more space? Consider one of the traditional East York bungalows, and then have one of the rapid renovation companies that specialize in topping-up bungalows add a second floor when you need it. (This is also a respectable way to add value to your investment; some of these topped-up bungalows are fetching $500-600,000 on resale).

East York Real Estate Values: While some semis and small detached homes can be found for as low as the $250-300,000 range, a much greater selection is between $300-400,000.

Harbourfront

Who said that just because you are a first time homebuyer, you cant have a view of the water and be right in downtown Toronto? While you cant expect a sprawling Harbourfront condo penthouse for under $200,000, there are bachelors and junior one-bedroom units in contemporary buildings with excellent facilities that sell for as little as $180,000. In addition to building amenities, you have Harboufronts cultural attractions and Lake Ontarios outdoor activities outside your door, with streetcars and the downtown only steps away.

Davisville Village

Right in the middle of the city, Davisville Village offers some of the best-priced housing options within the desirable Yonge Street corridor. Offering the convenience of a brief subway ride to downtown, Yonge St. shopping, and loads of fun restaurants and pubs, Davisville Village has been attracting young buyers looking for their first home or condo. The hoards of singles in their twenties and thirties who reside in the numerous condos near Yonge and Eglinton are what have earned the neighbourhood the moniker of Young and Eligible.

Davisville Real Estate Values: Entry-level condominiums have been recently selling from close to $200k, while semi-detached homes start at around $400,000.

Other Neighbourhoods

From Don Valley Village to the Upper Beach, Toronto offers dozens of affordable and convenient neighbourhoods that are excellent for the first-time home buyer. Read full profiles on these and other communities by visiting: http://www.rebeccalaing.ca/Toronto_Real_Estate_Map

Rebecca Laing is a Toronto Real Estate Sales Representative for Sutton Partners Realty Inc. Brokerage on Danforth Avenue in Riverdale. A Toronto Beach resident, Rebecca primarily services homebuyers in downtown, midtown, and east Toronto. Visit - http://www.rebeccalaing.ca/ to search thousands of Toronto homes for sale, read neighbourhood profiles, and to subscribe to receive new MLS listings as soon as they come on the market.Renee Blog76881
Rachael Blog31758
          

Salmon Trips in Alaska

Think of Alaska and you picture cold winters, stunning summers and salmon angling. Okay, you probably think of other things as well, but Alaska angling is all about salmon.

Salmon Trips in Alaska

When you think of salmon, the first place you think of is Alaska. This northernmost state is nearly synonymous with salmon, both the catching of the fish and the smoking/eating of it. When you want to have some really spectacular fish, you'll order the Alaskan salmon and when you want to have a really spectacular angling trip, you can go to Alaska to fish for salmon. Alaska angling salmon trips are a great way to explore this most unusual of the US states.

Salmon is the name of several species of fish, all coming from the same family: Salmonidae (curiously, some of the other species in this family are named trout). Salmon are unique in that they are born in freshwater, but migrate to salt water later in life; only to return to the freshwater to spawn (reproduce). This type of water migration is known as being anadromous. Salmon levels in the oceans are slowly dwindling due to massive amounts of angling, however in the Pacific Ocean off of Alaska and British Columbia, these fish are still quite populous. Salmon is one of the healthiest of fish to eat, with high levels of protein as well as omega-3 fatty acids which are good for lowering your cholesterol. Of course, another benefit to eating salmon is its taste and this fish is served in many different preparations, from smoked to fresh to cured in brine.

Alaska angling salmon is still very legal and pretty much unrestricted for the sport fisherman, as the salmon population here is not in danger. The Kenai River, a river located on the Kenai Peninsula, is a perfect tourist and recreational area in which to fish for king salmon. Many different angling guide companies offer trips to their own favorite or reserved areas, so you are not stuck battling many other people for the perfect salmon angling spot. Silver and sockeye salmon are also available in this angling area, and angling packages including such amenities as guided boat trips, cabins, meals and even fish packaging and shipping are available to fishermen looking for a vacation here.

Alaska is the perfect place to find abundant salmon to satisfy your angling desires, as well as a great place for your next relaxing angling trip. Plan to spend a week or two here, enjoying the great outdoors and the angling fun and the action of your dreams.

Rick Chapo is with http://www.nomadjournals.com - writing journals to preserve your fishing experiences. Raye Blog83216
Rebe Blog70929
          

Where To Get Money For A Franchise Idea

How often have you thumbed through a business opportunity magazine, noticed a franchise opportunity advertisement, and felt you'd really like to get in on that...if only you had the money? If you're like most who are seeking greater opportunity and wealth, this probably happens with you more often than you care to admit, except perhaps in strictly private conversations.

When the average person sees one of these opportunities, or comes up with a similar idea of his own, the problems of start-up capital may seem formidable. But in reality, they may not be. In fact, just about anyone with a good credit record and an "insider's sense of business" can get the capital he or she needs, whenever it's needed. The secret is in knowing how to put together a proper proposal, and to present it to the right per son. These are the "how-to" instructions we're going to give you in this report.

The first thing you're going to need is a complete business plan. This is a complete and detailed description of exactly how you intend to operate the proposed business. Your business plan should detail precisely the product or products you plan to sell; how you're going to produce or manufacture the product; your costs (inventory costs if you're purchasing them from a supplier); who is going to sell those products for you; how they're going to be sold; the attendant costs; when you expect to recoup your initial investment; your plans for growth or expansion; and the total dollar amount you're going to need to make it all work according to your plan. Your business plan must be detailed - complete with projected income and expense figures - through at least the first three years of business.

Now, assuming you have your business plan all worked out, put together and ready for presentation with your request for capital, let's talk about your capitalization proposal.

First, keep in mind that whenever you ask somebody for money, whether it's for a small personal loan or a large amount of money to finance a business, you're involved in a selling situation. You have to prepare a "sales presentation" just as if you were getting ready to sell an automobile or refrigerator. Within this sales presentation you must have all the facts and figures; you must anticipate the questions and the possible objections of the prospective lender with answers or explanations; and you must "package" it as impressively as you would yourself for an audience with the president of IBM or General Motors.

The more money you ask for, the more "in-the-know" will be the people you want to borrow from, and so the more detailed and organized your proposal must be. This shouldn't cause you too much worry however, because you can hire a CPA to help you put it together properly, once you've got the facts and have a business plan he can work from. See Http://workathomecoop.com

Look at it this way: The more money you request for your business, the more your lenders or prospective investors are going to want to know about you, your planning, and your business. They want to be impressed with the fact that you've done your homework; they want to see that you've researched everything and documented your facts and figures; they want to be assured by your presentation that investing in your business will make money for them. It's just that simple at the bottom line. Unless you can instill confidence in them with your business plan and loan or investment proposal, they're just not going to give much positive thought to your request for capitalization.

So you'll need a balance sheet describing your net worth - the worth of what you own compared to the amount of money you owe. You'll also have to prove your stability and money-management talents relative to how successful you've been in paying off past obligations. If you have had credit problems in the past, get them "cleaned up", or at least explained on your file at your local credit bureau office. Under the law, credit bureaus are required to give you all the information they have about you in their files, and it's your right to correct any errors or enter explanations regarding negative reports on your credit. Do this without fail because prospective lenders or investors will definitely check your credit history.

So, now you have your balance sheet prepared; your credit history organized in a light that's favorable to you; your business plan (with costs and income projected over the coming three years), you're ready to start looking for lenders or investors.

Almost all franchisors offer help in setting up with one of their franchises. Most will go out of their way to assist you in getting the financing you need. Some will lend you the entire amount, with payments coming out of the income they expect you to make from their franchise operation. Many will carry this loan themselves, while others will carry part of it and find you a lender to finance the remainder.

Franchisors have two objectives in mind when they offer franchises to the public: They are trying to expand their operation, thus increasing their profit, and they are trying to raise capital for themselves. Generally speaking, if you have a good credit history, and if they feel you have the necessary business personality to achieve success with one of their operations, they'll do everything within their power to get you in a franchise outlet. Keep this in mind the next time you see an advertisement for a promising franchise opportunity requiring a substantial amount of cash outlay. You don't necessarily have to have all the money. They want you, and they'll help you!

Many people seem to be unaware that most of today's largest corporations started on a shoestring - on borrowed money. Many people seem to feel that unless they've got it all "in hand" in savings, then they'll just have to keep plugging away until they can save up enough to take the big plunge. Nothing could be farther from the truth. Just a quick bit of research will show that 999 out of every 1,000 businesses were begun on borrowed money.

Look to your family and friends for financial help. Approach them in a business-like manner; tell them about your idea or plans, and ask them for a loan. Agree to sign a formal statement to pay them back in three, five or ten years, with interest.

When you have your proposal assembled, you might even want to think of a limited partnership or even a general partnership arrangement as a way to finance your project. In any kind of partnership, each partner shares in the profits of the company, but in a limited partnership, each person's loss liability is limited to the amount of money he initially invested. The truth is, in this kind of a situation, you'll be doing all the work and sharing your gain with your partners, but then it's a fairly sure way to obtain needed financing.

Another common method of obtaining business financing is through second mortgage loans on a home or existing piece of property. Say you purchased a home ten years ago for $35,000, and today the assessed valuation is $85,000, with a mortgage of $25,000 still outstanding. A lender may consider your home to be security or collateral for a loan up to $60,000. In many instances, this is the easiest and surest way of getting the money needed for franchise or other business investment. And, it makes sense; you've got "net worth" available that is doing nothing but sitting there. Take this equity and invest it in a worthwhile business, and you could double or triple your net worth each year for the rest of your life.

Deciding to obtain a second mortgage on your home in order to finance a business opportunity is without doubt a major decision, but if you are sure about your investment project, and are determined to succeed, you owe it to yourself to go ahead. You could incorporate yourself, borrow money from your family through a second mortgage on your home, and protect against the loss of your home through the Federal Home stead Act. The important point here is that all business opportunities involve risk and sacrifice. It's up to you to determine the feasibility of your success with your proposed venture, then decide on the best way possible to proceed.

In every instance where you run into reluctance on the part of a lender to lend you the money you need, explore the feasibilities of "two-name" or "co-signed" loans. You can have the franchisor sign with you, or one of your suppliers, a business associate or even a friend. Oftentimes you can borrow or rent collateral such as stocks, bonds, time certificates, business equipment or real estate, and in this way give greater confidence to the lender in you r abilities to repay the loan. Whenever you can show a contract from someone who has agreed to purchase a certain number of your products or services over a specified period of time, you have another important piece of paper that most lenders will accept as collateral. Still an other possibility might be to get a bank or a firm that has loaned you money in the past to guarantee your loan. They simply guarantee that they'll lend you money in the future if ever the need should arise.

Going straight to you neighborhood bank, applying for a business loan and walking out with the money is just about the most unlikely of all your possibilities. Banks want to lend money, and they must lend money in order to stay in business, but most banks are notoriously conservative and extremely reluctant to lend you money unless you have a "regular income" that "guarantees" repayment. If and when you approach a bank for a business loan, you'll need all your papers in order - your financial statement, your business plan, credit history and all the endorsements you can get relative to your succeeding with your planned enterprise. In addition, it would be a good idea to take along your accountant just to assure the banker that your plan is verifiable. In the end, you'll find that it all boils down to whether or not the bank officer studying your application is sold on you as a good credit risk. Thus you must impress the banker - not only with your proposal, but with your appearance and personality as well. In dealing with bankers, never show an attitude of doubt or apology. Always be positive and sure of yourself. However, don't come on so strong to them that you're either demanding or overbearing. Just look good, know your stuff, and project an attitude of determination to succeed.

Your best bet, in attempting to get a business loan from a bank, is to deal with commercial banks. These are the banks that specialize in investment loans for going businesses, real estate construction, and even venture programs. Look in the yellow pages of your telephone or business directories; call and ask for an appointment with the manager; and then explore with him the possibilities of a loan for your project. One of the "nice things" about commercial banks is that even though they may not be able to approve a loan for your business ideas, they will almost always give you a list of names of business people who might be interested in looking over your proposal for investment purposes.

A lot of commercial banks stage investment lectures and seminars for the general public. If you find one that does, attend. You'll meet a lot of local business people, some of whom may be able to and interested in helping you with your business plans.

When you're looking for money to move on a business deal, it does not really matter where the money comes from, or how it all comes about. It's important that you get the money, and at terms that are suitable to you. Thus, don't overlook the possibilities of an advertisement for a lender or investor in your local papers. Place your ad as well in national publications reaching people looking for investments. Other avenues to seriously consider are foundations that offer grants, local dental and medical investment groups, legal investment groups, business associations, trust companies and other groups or organizations looking for tax shelters.

Basically, it isn't a good idea to go to a finance company or other commercial lender of this type for a business loan. The most obvious reason is the high interest rates you have to pay. These companies borrow money from larger money lenders, and then turn around and lend it to you at a higher interest rate than they pay. Herein lies the means by which they make money from granting loans to you. The more it costs them to provide the money for you, the more it's going to cost you to borrow their money. The only element in your favor when borrowing from one of these agencies is that most will generally lend you money against collateral other lenders just won't accept. Insurance companies, pension funds, and commercial paper houses are not too out of sight with their interest rates, but they generally will not even consider talking to you unless you're requesting $500,000 or more. They'll also pretty much require that your business proposal be backed by the best possible plan.

Finally, the bottom line is this: You must have a well-researched and detailed business plan; you must have all your documents and projections put together in an impressive presentation; and then, you will have to be the one who does the final selling of your proposal to the investor or lender. This means your appearance, personality and attitude, because - make no mistake about it - before anyone lends you any size able amount of money, they're going to want to take a close look at you personally before they hand over the money.

Actually, the different ways of financing a franchise opportunity are as many and varied as your own creativity. The sources of obtaining money are virtually limitless, and available to anyone with an idea.

One word of caution before you jump into any franchise purchase agreement: The price you pay to participate in a franchise operation is not always the total cost involved in getting the business off the ground. With some franchise operations, you may find other costs such as down payments on the purchase of property, building construction costs, remodeling or site improvements, equipment, fixtures, signs, advertising, and training. Virtually all franchise deals require that in addition to the purchase price or the license fee of the franchise, you're required to give a certain percentage of your gross business income to the franchisor, plus extra payments for promotion and administrative costs. Above all else, before you get involved in a franchise, or any business venture for that matter, make sure you've conducted a complete and thorough investigation of the opportunity presented. If it's a good deal, then go with it; but if you have any doubts or feel as though you're getting in over your head, back off and look around for something not quite so ambitious, or perhaps expensive.

There are a lot of good franchise opportunities, and some not so good. It's important that you be sure of what you're investing in, and that you can make money with it. From there, preparing the proper business plan and the necessary financing, while not always a snap, can be done. Now's the time to do it! We wish you outstanding success with your franchise business.

Andrew Adams writes for http://www.magfranchise.org where you can find out more about franchising and other topics.Onida Blog68778
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