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January 29, 2012

Christmas Gifts For Cat Lovers

Filed under: Uncategorized — admin @ 5:20 am

The act of offering. Christmas gifts is always enhanced if you take some trouble in matching the gift with the recipient.

Sometimes, though, it is not as easy as it may seem, especially if the gift is for someone you have not seen very often throughout the year; or someone whose tastes you do not know that well.

If that person is a cat lover, though, it is something you are probably aware of however often you may see them. There is every chance that choosing a cat related gift of some sort will be well received.

Cat gifts fall into two categories. The first is something the cat itself (or themselves) can use; the second is something for the cat owner which is adorned by something feline.

Cat Lover Gifts For The Cat Itself

The range of possible cat lover gifts that a cat can actually make use of is quite small, but nevertheless offer an opportunity to buy something both the cat and the owner appreciate. The cat, of course, would probably be happiest with a brown paper bag; at least, I have had cats in the past who would spend much of an evening hiding in such a cheap and cheerful toy.

Assuming brown paper bags are out, what other cat lover gifts can you consider? It will most likely be something the cat can utilise in the home, as when they are off on their travels they like, and need, to be unfettered. An exception, though, is a cat collar. If you know the cat does not have a collar already, then that is an option, but bear in mind that some cats just hate collars and find them uncomfortable. Also, if they are not a good fit, they can become a hazard.

It is probably better to opt for a gift that belongs and stays in the home. For example:

Cat Blanket

There are some very warm, comfortable and attractive cat blankets around, and they make nice cat gifts. We all know how cats love to curl up in front of a fire in the winter; with a warm fleecy blanket to lie on, they will be in heaven. You can add a personal touch to this gift by having the blanket personalized with the cat’s name. The cat won’t care about that, but it’s a nice touch for the owner’s pleasure.

Cat Basket

Something a little bit more elaborate as a cat lover gift is a cat basket. I am referring here to a basket to sleep in, not something that is simply for carrying a cat to the vet. Remember, though, that cat’s can be very choosy. It would not be surprising if the cat turned it’s nose up at a new basket, at least initially. If you spend a lot of money on the basket, then that can be a disappointment, even if the cat owner is very appreciative.

Cats, though, have moods. One day it may take to the basket, especially if you tell it not to get inside!

There are, of course, other things you can buy for the cat itself. Small toys, food treats (fresh salmon may go down quite well), but what is it in the home that cats enjoy most? Sleeping. That means that a cat blanket or type of bed could be a popular gift. We all know, however, that the cat will be the one to decide if they want to use it or not. Never mind, the cat lover recipient will appreciate your gift.

Gifts For The Cat Owner

The choice of gifts that are cat related, and may be suitable for the cat owner, is much greater than for the cat itself. If you think about it, just about anything in the home could have a cat theme to it. Many of these gift items have cat pictures on, or are cat shaped.

Some examples of what you can buy include plates, place mats, coasters, clocks, fridge magnets, ironing board covers, doorstops and a whole lot more. Many of these types of items will be appreciated by a cat lover as a gift.

One good idea is to find a gift that you can personalise, with a picture of the owner’s cat. If you have a digital camera, it should not be difficult to get a picture of the cat while visiting before Christmas, without arousing too much suspicion of what you are up to. Once you have the picture, then you can probable find somewhere to add that picture to mugs, place mats and other household items, and end up with the perfect Christmas gift for the cat owner.

Really, the choice of cat lover gifts is wide. That is not surprising, given the huge popularity of cats. So, enjoy looking, and try to find something just that little bit different for your cat lover friends and relatives.

This cat lover gift [http://www.gifts-for-xmas.com] article was written by Roy Thomsitt, owner author of the Gifts For Xmas website.

Relax, get in the Christmas spirit, and read Roy’s new Christmas Story [http://www.gifts-for-xmas.com/Santa.htm], for adults or children, about Santa Claus and a little girl living on the edge of a tropical rainforest.

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

January 23, 2012

Saving Money Tips – Buying a New Car

Filed under: Uncategorized — admin @ 9:15 pm

A new car sounds lovely doesn’t it? Imagine the purr of the new engine and the looks you will get as you drive down the road in the latest model of your chosen car. However, we also know that the new model of today will be the old superseded model in the not too distant future and that the value of the car will go down very quickly.

So with this in mind we really need to be careful when considering whether or not to buy a new car.

Before rushing off to the car yard, you should grab out a large sheet of paper and write up the top “Do I really need to buy a new vehicle?” Then let the brain cells take a journey and come up with all of the reasons that you can to justify going out and getting a new car. Underneath this, write down all of the reasons to justify why you shouldn’t go out and buy a new car.

Here are some ideas to get you started and some common reasons that people write down:

1. Reasons to buy a new car

Car too small / big

  • Starting a family and need more room
  • Can’t fit in all of my gear
  • Can’t transport all of the kids and their friends around
  • It is just us now so we don’t need such a large car
  • We are going away so we need more leg room and storage capacity

No air conditioning

  • It is just so hot each summer we bake in our car

No air bags

  • The car has never been fitted with air bags

Lacking accessories (stereo / cd player / gps)

  • We need to have a cd player
  • Some new vehicles have an in built GPS so we need one too
  • The stereo is broken so we need to replace the car

Costing too much money to run

  • I am always spending money on this car
  • The car always seems to be at my mechanic

Need to look good at work

  • My car is a status symbol of my wealth
  • My boss would look down on me if I didn’t drive a new car
  • Having a new car will portray a message to my clients that I am very successful

Too old

  • My car is x years old so it needs to be replaced
  • I have had this car x years so it is time for an upgrade to a new model
  • This model is old, I need the newer model

Petrol guzzler

  • I am always putting fuel into this car
  • I checked my credit card statement and boy my car is thirsty
  • I used to put in $x of fuel a week and now I am putting in $y

Running too fast / slow

  • I can’t keep up with every one else on the road
  • My foot is almost flat to the floor and yet we hardly seem to be moving
  • If I don’t sell this I am going to do damage to someone as it just zips off so fast I can’t keep in control

Want security of a new vehicle warranty

  • I do a lot of travel for work and I want peace of mind if something was to happen
  • If the car is under a warranty I won’t have to spend any money on it

No longer road worthy

  • The mechanic said the car isn’t road worthy
  • I don’t think the car would pass a road worthy test

Want to keep up with the Jones

  • My friend has just purchased one of these new cars so I want one
  • The neighbours have just purchased a new car so we should also buy one

I have been offered a good trade in

  • The new car sales man has offered me a good trade in
  • I want to trade now whilst I can get good value for my current car

I want a diesel vehicle

  • I want to change from petrol to diesel as I heard it is more fuel efficient

I need a ute / 4wd / sedan

  • I want to change from a sedan to a ute
  • I need to trade the ute for a 4wd
  • I need a 4wd for my upcoming holiday
  • I need a ute so I can shift houses

2. Reasons not to buy a new car

Can’t afford it

  • The repayments will be too high
  • It is a lot of money for me to spend on a car
  • The loan will take me 7 years+ to pay back

Don’t really need a new car

  • I am being silly, I don’t really need a new car
  • There are other things I need ahead of getting a new car

Old car is going well

  • My old car works just fine
  • I can always get from A to B so what else do I need

Too expensive

  • Although it is new, I feel it is still very expensive
  • There is a big gap between 2nd hand cars of 2-3 years to the price on these new cars

Will drop in value too quickly

  • I have heard as soon as you drive a new car out of the show room they drop significantly in value
  • 2nd hand cars seem like a much better alternative, I have seen they are much lower in value

Expensive on-road costs and stamp duties

  • When I buy a new car I will have to incur extra fees such as on-road costs and stamp duties. Aren’t these costs in the thousands?

Insurance will increase

  • When I get a new car, I know my insurance premium will increase significantly

Young family

  • I don’t know if my kids will look after a new car or treat it well; they are always banging the car doors into things
  • I know that kids are kids and it is hard to keep a car nice with them around

Have better things to spend my money on

  • I do have a lot of other important items on my wish list; a new fridge, high school fees, reduce mortgage, etc

Work may provide a vehicle

  • Work may offer me a car as part of my package at my next salary review

3. Then you need to carefully look at both lists and to analyse all of the reasons you have written down

  • How important is the reason you wrote down?
  • Look through your list and decide which reasons you have written down contain something that is a must have – this might be for safety reasons or security
  • Be careful here and very honest with yourself with what you consider to be absolutely critical
  • Look through your list and decide which items you have written down is a nice to have but something that you could do without – this might be a gadget or feature of the car that isn’t absolutely critical
  • Take the time to rank each item from 1 to 10 in level of importance
  • Look through your list of reasons not to buy a new car. How strong and valid are these reasons?
  • It is important that you spend a decent amount of time doing this exercise and that you are somewhere nice and quiet where you can really think about yourself very carefully. This exercise could save you thousands of dollars!

4. As part of your analysis you should now spend time looking for alternatives. Start with the items that are of highest importance to you.

Car too small / big

  • Consider hiring a trailer
  • Consider hiring a car for the holidays
  • Clean out your car and see what space you then have

No air conditioning

  • Check out the cost to have this fitted to your current car

No air bags

  • Check out the cost to have this fitted to your current car

Lacking accessories (stereo / cd player / gps)

  • How much will it cost to have one fitted
  • Can you use a portable cd player / stereo
  • How much is a portable GPS
  • Can you make do with the radio

Costing too much money to run

  • Work out how much your car has actually cost you over 12 mths
  • Seek a professional opinion on the vehicle from your mechanic or local automobile club
  • Look carefully at how you treat your vehicle. Are you causing some of this cost?
  • What about your driving habits? Is this the cause of costing you money? Ie heavy braking or is your foot too heavy on the accelerator

Need to look good at work

  • You can still look good in a later model vehicle
  • Talk to your boss about being provided with a company car when you need to entertain clients
  • Talk to your boss about hiring cars / taxis when you need to entertain clients or travel
  • It seems pointless trying to look wealthy by owning a new vehicle if it is causing you financial grief and hardship. You will not be successful in your career if you spend all day worrying about how to pay your bills
  • Consider that a new car may put some clients off – your services may appear too expensive or that you don’t value money as you spend it on unnecessary items that decrease in value

Too old

  • How old is too old? There are some decent vehicles on the road that are 7-10 years old that are still running perfectly
  • Who states that there is a set time frame that you need to replace your vehicle
  • What will the newer model provide you with that your current car doesn’t provide you with

Petrol guzzler

  • Look at how much running around you are doing and whether or not you can seek alternatives such as car pooling, doing multiple tasks whilst out
  • Has your car been serviced recently? You might have a problem with your car that is easy to fix that is causing the extra fuel consumption
  • Consider how much the price of fuel has risen recently. Is this the real reason your petrol has increased
  • How much of the fuel bill on the credit card contains other items such as food and drink that you bought at the petrol station?

Running too fast / slow

  • Has your car been serviced recently? You might have a problem with your car that is easy to fix that is causing this to happen

Want security of a new vehicle warranty

  • Understand what is offered under the warranty
  • Consider having road side assistance from your local automobile club in case of break down
  • Keep your vehicle regularly serviced
  • Travel with a mobile phone so you can call for help in the case of an emergency

No longer road worthy

  • Get a couple of opinions on the road worthy status of your vehicle from a mechanic or your local automobile club
  • Establish how much it will cost to get the vehicle road worthy
  • Seek a professional’s opinion on this matter

Want to keep up with the Jones

  • Why why why, do you need to keep up with what someone else is doing?
  • Be an individual and live your own life and not those of others

I have been offered a good trade in

  • A trick / marketing strategy for selling new cars is to lure people in by offering a high trade in
  • You either get a high trade in or low purchase price – it generally doesn’t happen that you get both
  • Is the salesman playing around with figures? They sometimes up the price of the trade in and lower the discount on the new car OR they sometimes lower the price on the new car and lower the price on the trade in
  • If you waited a year or two before swapping vehicles, what do you think you might get as a trade in then

I want a diesel vehicle

  • How much will it cost to get diesel fitted to your current car
  • Are there any government rebates in relation to diesel fitouts

I need a ute / 4wd / sedan

  • Can you hire the ute / 4wd / sedan for the particular period of use if it is only short term / one off
  • Can you borrow a friend’s ute / 4wd / sedan
  • Is it worth paying a tradesperson to do your job to negate this requirement

Detective Heather Wood is Managing Director and writer for Money Detective Pty Ltd.

Money Detective can help you with all of your money troubles. From our website full of factual information and articles, to our one on one personal money coaching, Money Detective can help you with all aspects of money management. Sign up for our Newsletter today and get yourself 6 free Money Clues http://www.moneydetective.com.au.

To discover more ways you can save money and get in control of your finances, visit our Saving Money Tips section of our website http://moneydetective.com.au/budget-and-savings-tips.

© Money Detective Pty Ltd 2009

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

Cooking For One Person – Simple Tips For Great Tasting Single Meals

Filed under: Uncategorized — admin @ 8:27 pm

In all my years of cooking, recipes most often specify quantities that serve 4-6 people. That’s great if you’re cooking for a dinner party, but most often we just want meals for ourselves, or meals for two.

There certainly seems to be a shortage of “cooking for one” recipes, or even “cooking for two” recipes. Cooking for singles seems to be low in demand but I think it is something that needs to be catered to.

When using and modifying a recipe, I have found that simply dividing the quantity of all the ingredients by 2 or 4 or whatever didn’t always result in a good meal. Sometimes it was overcooked, other times the liquid/sauce boiled away to almost nothing.

It was then I realised that although I had reduced the quantity of ingredients, I either kept the same cooking times or used the wrong sized equipment (or both). As well as that, I found that some ingredients don’t need to be reduced in quantity as much as others.

So here are some tips for cooking smaller portion sizes. I hope this will help you cook meals for yourself that taste just as nice as when you make them for 5 other people!

Cooking Equipment Size

The rule of thumb here is: smaller portion size = smaller pan size.

When cooking for 4-6 people, you obviously need larger saucepans and frypans.

Why? Firstly, the pans have to be big enough to hold all the ingredients, and secondly, they have to be the right size to allow even cooking without allowing the juices/liquids to evaporate away. I call this the quantity-of-ingredients: pan-size ratio

So, when cooking for one person, the smaller quantities mean you need to cook in a much smaller pan. That way, the quantity-of-ingredients: pan-size ratio remains more or less the same.

If you cooked in the same larger pan, the ingredients will be spread out through the pan much more thinly and will be more prone to boiling or evaporating away. The end result is you end up with dried out dinners.

Quantity Of Liquids

The rule of thumb here is: don’t reduce the liquid ingredients by the same percentage.

The thing about liquids is that they partly evaporate away during cooking. Since you’ll be cooking at the same temperatures, the less liquid you start with, the more (proportionally-speaking) will be boiled away during cooking, ultimately leaving you with food that’s either too dry or hasn’t enough sauce.

The kinds of liquids that are affected by this include:

- Evaporated milk / cream / regular milk

- Liquid stock (eg. Chicken stock, beef stock)

- Juices (such as orange juice, pineapple juice etc.)

This is by no means an exhaustive list, but gives you the idea that thinner liquids (as opposed to thicker sauces) are more prone to evaporation.

What I have found works best is that you should reduce the quantities of these liquids as half as much as you do the other ingredients.

For example, if you’re cooking a meal that the recipe says would serve 4 just for yourself, then you would divide the quantities of all ingredients by 4. For any liquid ingredients, you should divide the quantities by just 2.

If you find that there’s too much liquid left at the end of the cooking time, then either cook a little longer to boil it off, or use a slotted spoon to remove everything else from the pan leaving as much liquid behind as you want.

Cooking Time

The rule of thumb here is: reduce cooking times when cooking smaller quantities.

Similar to the above section about quantities of ingredients, I have found that cooking times can vary depending on the quantities being cooked. This is especially true for cooking in a frypan.

However, it’s difficult to come up with a hard-and-fast rule about this. With experience, I’ve learned to tell when food is cooked just by looking at it (OK, and occasionally cutting into a piece of chicken to double-check!).

The problem is that although you would be cooking smaller quantities in a smaller pan when cooking for one person, the heat levels remain more or less the same.

By the way I certainly don’t recommend reducing heat levels when cooking! Food needs to be cooked at certain temperatures to ensure it’s free from bacteria.

That leaves time as the only other variable that can be changed. Again, food needs a minimum amount of time to cook properly but overcooking isn’t good either.

I would suggest shaving about 10 to 20 percent of the cooking times off when cooking for one person or two. Of course, you should check first that the food is properly cooked (especially with items like chicken or fish) but by checking early you can avoid overcooking your food. If you think it needs a little longer then let it cook for another minute or so, and check again.

Finally, remember to enjoy your cooking. If at first you don’t succeed, just try again!

Nick Daval has been cooking simple and delicious meals for over 15 years. You can learn from his experience and pick up some great cooking tips and tricks by visiting his website’s Cooking Technique page at http://www.basic-cooking.com/cooking-technique.html.

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http://EzineArticles.com/?expert=Nick_Daval

January 20, 2012

Pet Supplies

Filed under: Uncategorized — admin @ 6:20 pm

Showing love for your pet does not mean going overboard with pet supplies. Buying too much will not only drain your wallet, but also clutter your home with pet supplies you pet will never use. Buy wisely – get only the pet supplies your pet truly needs. Here are ideas.

Food and water bowls. Your pet will be using this for years, so do not scrimp. Plastic may be cheap, but remember that it can get quite difficult to clean as it ages and tends to be discolored. Go for stainless steel if you can. They last longer and are easier to scrub spotless. They are also safer, as they don’t react to pet food chemicals. If you have extra money, you can have your pet’s name engraved on the bowls to make them more personalized.

Grooming supplies. If you have a dog, buy a coat brush, nail clippers and good shampoo. Used properly and regularly, these can help you keep your beloved canine clean and huggable.

Traveling supplies. If you often travel with your pet, you need special supplies such as harnesses and well-ventilated, hard-sided kennels, for example. You also need a bag for bringing your pet’s grooming supplies and meds with you wherever you go. If you are traveling by car, it’s a good idea to get an adjustable pet car seat that can grow with your pet.

A few toys. Expensive pet toys are not necessarily the best pet toys. Your dog or cat can enjoy even the simplest playthings, such as old socks. But if you have extra money, treat your pet to a fancy toy or two. It will keep him or her busy so that you can attend to other important things. Active toys also let your pets exercise while having fun. But before you buy pet toys, read the label first – be sure to choose only toys that pass safety tests.

Pet Supplies provides detailed information on Pet Supplies, Pet Supply Stores, Discount Pet Supplies, Online Pet Supplies and more. Pet Supplies is affiliated with Wholesale Pet Products [http://www.i-PetProducts.com].

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

January 18, 2012

Jumpstart Your Job Hunt With a Quality Resume – Ultimate Resume Writing Dos and Don’ts

Filed under: Uncategorized — admin @ 10:15 pm

After years of working in the executive staffing and recruiting industry, collaborating with countless hiring managers and human resource administrators across various industries, I acquired a thorough understanding of what these individuals were looking for in potential job candidates. I began to see patterns, consistencies, universal tendencies, and I began to see just how important a good resume really is.

As a point of fact, hiring managers only spend around 15 seconds perusing over a new resume and they are really only looking for a couple of things when they do. They’re on autopilot, for the most part. They want to know:

1) Who have you worked for?

2) Have you had steady employment?

3) What notable achievements and recognitions have you had throughout your career?

4) What do you have to offer which will meet with their specific needs?

An effective resume will answer those questions with a minimal amount of effort and, as with any effective marketing tool, it will also leave the reader wanting to know more. You want to give them just enough info to prompt them into action. That’s when they pick up the phone and call you for an interview!

So your resume is your professional introduction. It’s your only chance to make a memorable first impression and I can tell you right now that if you do not take your resume seriously, then your resume will never be TAKEN seriously. It really is that simple.

Now, if you feel you are capable and qualified to write a compelling and dynamic resume, then by all means give it a shot. However, if you’re not extremely confident in your skills as a writer and/or marketer, I would sincerely recommend you hook up with a professional resume writer to help you craft the perfect resume for you. A seasoned veteran in these matters can be an invaluable resource. After all, I trust my mechanic to work on my car because he works on cars all day, every day. Well there are people out there who work on resumes all day, every day…so trust us!

For those who are convinced they have what it takes, this article should help you with some of the finer points. Although job markets and technologies are always changing, there are some things which are fairly universal and constitute the basic principles of a winning resume. To guide you along, I have compiled a comprehensive list of resume writing Do’s and Don’ts, complete with secret tricks of the trade as well as a collection of common mistakes people make. So pay close attention, take my advice into consideration, and you’ll be on your way to landing that dream job in no time!

DON’T

Misrepresent the Truth – Lying on your resume is never a good idea. You don’t want to start a professional relationship based on the misrepresentation of facts. Just as you would hope the employer is not lying to you about the job requirements, salary, etc, they expect you are not lying to them about your background and/or skill sets. It’s the decent and respectable way to conduct yourself and there is no room for dishonesty in the workplace because, sooner or later, these things always have a tendency to come to the surface. Remember: The truth shall set you free!

Use Slang or Jargon – You need to be as professional as possible in the context of your resume if you expect to be taken seriously as a professional. For this reason, you should avoid using familiar lingo, slang, or jargon in your resume. The exception to this rule is when using very industry-specific terminology to describe your particular skills. This can actually help to lend you credit as a knowledgeable individual and an expert in your field, but your such terms wisely and tactfully.

Include a Picture – Unless you’re a model or in a professional dependent on physical attributes, I always advise against putting your picture on your resume. In my experience, it can do more harm than good. So keep the formatting of the resume simple and let the hiring manager use their imagination until they call you in for an interview. Plus, your looks should have nothing to do with your professionalism or the credentials qualifying you for the position. In the business world (even legally), your appearance should have no value as a selling point for you as a competent job candidate.

Include Irrelevant Info (AKA “Fluff”) – If it’s not important, don’t add it to your resume. If you were a cook 10 years ago but now you’re looking for a job in retail management, don’t clutter up your resume with irrelevancy. Try to put yourself in the shoes of the hiring manager and ask yourself what they would see as important. How does your background correspond with their needs as an employer? Anything else is fluff. Don’t add your hobbies to your resume. Don’t add your references (if they want them, they’ll ask at the appropriate time). And don’t include your high school education either. Finally, don’t be redundant and repeat yourself throughout the context of your resume. It’s OK to reinforce themes, but don’t push it. If your title has been Branch Manager at each of your past three companies, find a way to differentiate each of these positions and highlight your most notable accomplishments. Don’t just copy and paste the line “Managed a team of branch employees” three times. That will get you nowhere.

Include a Core Competencies Section – I find Core Competency sections to be fairly worthless in a professional resume and I’ll tell you why: It doesn’t matter if you’re a waitress, an administrative assistant, a nurse, a teacher, or a sales executive – it doesn’t matter what kind of background you have – anyone can describe themselves as “Self-Motivated”. Anyone can say they are “Goal Oriented” and “Results-Driven” and everyone has “Strong Verbal and Written Skills” when they’re applying for a job. I can say with some degree of certainty that the majority of hiring managers and HR administrators skip right past a Core Competencies section and with good reason. The key to a successful resume is in SHOWING a manager how you are “Results-Driven” and “Goal Oriented” instead of just TELLING them! Your accomplishments speak volumes, let them do the talking. If you are going to include a Core Competencies section, make sure it’s unique and adds value. Again, vagueness will often work against you here because it cheapens the experience of reading your resume.

Rely on Templates or Sample Resumes – If you are surfing the web and looking for a good resume sample or template to use as a guideline for your own resume, make sure the sample you settle on is appropriate considering your background, the industry you’re in, and your career intentions. Because when it comes right down to it, different styles of resumes should be employed in different industries. By way of illustration, a computer programmer’s resume will vary greatly from that of a sushi chef. They both have very different skill sets which need to be highlighted in very different ways in order to be effective. If both those individuals tried to write their resumes in the same format, it would be a disaster. Hiring authorities, respectively, each have their own expectations and some resume formats are better than others at addressing those individual expectations.

Write a Novel and Call it a Resume – I repeat: Do NOT write a novel and call it a resume. Too many people make this mistake. They want to write this wordy, drawn-out thesis outlining their life story and their career aspirations. They have all these skills and accomplishments and they want to include them all in there somewhere, but the problem is most people just don’t know when to stop. Don’t be afraid to leave out some of the details and explore those further in the interview process. My advice is to highlight only those aspects of your background which are most applicable for the job, or types of jobs, you are planning to apply for.

Limit Yourself to One Page – In contrast to the last point, you may not want to limit yourself to a 1-page resume. A common misconception is that a professional resume HAS to be one page. However, that’s not really the case these days. I while back, before the miracles of technology, I may have agreed. But now that most resumes are being read on a computer screen versus on paper, there’s no need to limit yourself in such a way. Those who try to cram all their info on 1-page resume usually resort to smaller font and zero spacing. When viewed on screen, this is not an attractive format and it’s hard to read. Now, I’m not saying you should write a 20-page catalogue of your experiences, nor am I advocating the use of size 20 font. Instead, I would say 12-14 size font should suffice and I recommend you keep it at two pages. That leaves plenty of room to say what needs to be said. Of course, if you have limited experience then a 1-page resume will do just fine.

DO

Use Bullet Points – When it comes time to explain your experiences in your resume, use bullet points to outline your accomplishments. It is much easier to read and even easier to skim, which is what hiring managers are doing most of the time anyways. Bullet points draw attention to important information. They are also visually appealing and make the information seem more accessible to the reader. So keep them short and meaningful. Some people opt for a short paragraph explaining their duties and responsibilities, followed by bullet points highlighting their most notable achievements. This too is acceptable, just make sure to keep that paragraph very succinct and avoid any redundancies as well.

Have a Strong Objective Statement – Although this is a matter of some debate these days, I firmly believe a strong, concise Objective Statement can go a long way. First off, it immediately tells the reader what job you are applying for. That can be a big deal when you’re submitting your resume to a HR representative who has their hands full with many different job openings. Recruiters as well. And if you’re a senior manager, you don’t want to get thrown in the pile with the mail clerks, right? Not only that, but an effective Objective Statement will briefly summarize your qualifications so a hiring manager can make an instantaneous decision whether or not to keep reading. They do that anyways, so why not address their needs in the intro and add value by showing them what you have to offer right off the bat. Remember, I’m only talking about one sentence here. One sentence to market yourself. Once sentence to spark their interest. You don’t want to give the reader too much to think about, rather you want them to proceed on and read the rest of your resume. So grab their attention, establish your professional identity, show them your value, and let them move on to the good stuff!

Choose the Right Format – One thing you need to remember is that there is not one universal formatting methodology because, in truth, there is no cookie-cutter way of writing a resume. What works best for one person may not be best for another. Some people will benefit from a Chronological resume whereas that format may be detrimental to someone who has jumped around a lot in their career. The only thing I can suggest is that you do your homework. Know the different types of resumes (Chronological, Functional, Targeted, and Combination) and know the distinct merits of each. Then make an informed decision as to which style is best for you. If you are surfing the web and looking for a good resume sample or template to use as a guideline for your own resume, make sure the sample you settle on is appropriate considering your background, the industry you’re in, and your career intentions.

Cut to the Chase – Don’t waste time…get to the good stuff. As I said before, a hiring manager will most often skim, scan, and glance over a resume. Keep in mind that they have specific questions in mind when they review a resume for the first time and they expect specific answers. One of the most important questions they are asking is: “Who has this person worked for in the past?” For this reason, I always suggest that serious job seekers highlight their experiences first and foremost. Right below your one-sentence Objective Statement you should transition into and Experience section. In this section you should list your past employers, the years you worked for them, your job titles, and a brief description of your duties there. Of course, this may not be the best approach for some people. If your background is heavily dependent on your academic experience, then you may want to jump into that first.

Focus on Your Target – My reasons for saying this are as follows: An unfocused resume sends a very clear message that you are unfocused about your career. And a hiring authority doesn’t want to see that. They want to see that you have career goals and that those aspirations correspond with their needs as an employer. So keep in mind that a customized resume, modified for a specific position, is always preferable to a generalized and vague resume. If you’re serious enough about a job then you should take the extra time and effort to tailor a resume to that job’s requirements. I assure you your efforts will not go unnoticed.

Be Articulate and Grammatically Exact – In my humble opinion, it’s of the utmost importance to be eloquent within the context of your resume and to make sure you’re using proper grammar and syntax. For your current job description, use the present tense. For past jobs, use past tense. This seems like a no-brainer, but again you’d be surprised at how many people make this mistake. Being articulate can go a long way as well. Most hiring managers will consider it a plus if you can convey your level of intelligence in your written communications. So don’t be afraid to break out the thesaurus and make sure you have someone else edit your resume before you send it out to potential employers. That’s imperative!

K.I.S.S. – A wiser man than me once made this bold statement and it’s extremely applicable when writing your resume: Keep It Simple, Stupid! Too many people make too much of an effort to “stand out from the pack” and in doing so they may unwittingly be hurting themselves. In some professions, such as the creative design field, it may be advantageous to show your originality and imagination, but in other business fields this kind of flamboyancy in a resume is unnecessary and can actually be injurious to your cause. In terms of formatting, the same holds true. I have found that people tend to have much more success when they opt for an uncomplicated formatting style. Some people still want to get all jazzed up with pictures and text boxes and funky font, but that’s just fluff. It’s noise. It is irrelevant to the purpose of your resume, which is to sell yourself through highlighting your skills and accomplishments. And hiring managers see right through that!

Take Your Resume Seriously – As previously stated, if you don’t take your resume seriously then your resume will not be TAKEN seriously. If you choose not to work with a professional, then at the very least have an impartial third-party edit it for you and give you some constructive feedback. This is for your own sake. What happens when you accidentally type “Manger” instead of “Manager”? Do you think Spell Check is going to bail you out? Whatever you do, don’t send it out to potential employers without having someone else look it over. Some people just need to swallow their pride because when it comes right down to it, you may be the best at what you do, but if you don’t write resumes for a living then chances are there’s someone out there more qualified to write your resume than you are. Please consider that if you’re serious about being taken seriously!

So there it is…everything you need to know about writing your resume. I sincerely wish you the best of luck in your endeavors and feel free to contact me if you ever need any assistance. I’m here to help!

JR Hindman is a freelance resume writer and career counselor with an extensive background in executive staffing and recruiting. He is currently the President of BudgetResumeBuilder.com, a website for entry-level candidates and job-seekers with less than 10 years of industry experience, as well as ProResumeBuilder.com which caters to more tenured professionals and managers.

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http://EzineArticles.com/?expert=JR_Hindman

Making Money in Fashion – Starting Your Clothing Line Business in 8 Steps

Filed under: Uncategorized — admin @ 8:09 am

Ever imagined owning your own clothing line? Who hasn’t been to a store to find the ugliest design you’ve ever seen charge $50 and up? Or walked down the street and wondered how any human could allow them self to be seen in such an ugly clothing article? Have you ever thought to yourself, if they could design that and someone bought it, why couldn’t I?

Learn from my mistakes how you could start selling clothing with an upfront cost less than that of a PS3 game!! No hype, just the facts. Before I get to how that’s possible, let me walk you through having your own full fledge clothing line. I am by no means an expert, but I do know that what I’ve learned through blood, sweat, and tears can benefit any one interested in the same dream I had. I’m not selling anything, so the information I present is yours to use and assimilate as you wish.

1. Know your Market- Any business book or self-help guru will tell you this, but in the fashion industry this is especially important. Your market determines how much you can sell your clothing for, what style of clothing, what colors, even your clothing line name. It’s important to do research, which doesn’t always have to be in the form of sitting behind a computer looking up boring statistical data. Get out into the market, check out malls, movie theaters, and anywhere else your ideal market goes. Look at magazines that focus on your demographics, TV shows, even your own closet. Ask yourself why you spent the money you did on your clothing items.

2. Meet your Peers- This step has personally saved me countless hours of agony by allowing me to learn from others mistakes. A simple search engine query of Fashion Forums will pull up some indispensable information on websites where other clothing line owners, both successful and not, meet to discuss the fashion industry, techniques to use on clothing, even vendors to use for printing and apparel.

3. Name It- This is one of the most time consuming yet rewarding parts. Name your clothing. Come up with a catchy clothing line name that really displays what your line is about. Ask yourself what perception you want your market to have about your clothing line, and name it accordingly. This is the most important step, you have to have a name worth mentioning, if not why would a store take a chance on your line, and why would a consumer want to wear your clothing if you name doesn’t fit the market?

4. Inc it- You know your market, you have peers in forums who are willing to answer any questions, you have a catchy name, now it’s time to put it in the record books. Incorporating can be an entire article by itself, but let me forewarn you, it’s not as difficult as it may seem. You could always pay a lawyer a couple hundred bucks to do it for you, or you can do a little research and save a lot of money. The government wants small business, they love us!! So it only makes sense that they would help us form, which they do. Go to your local state government homepage, do a search for starting a business in the state, and you’ll have all you need. Period!

5. Designs- If you’re a graphic designer you’re ahead of the game, however for the average person including myself, you’ll need someone to design your shirts. Since the invent of the internet this step is easy! Write an ad on any of the countless classified ads advertising a graphic designer for a clothing line project, then watch your inbox blow up. Graphic artist can charge by the hour or project, although I suggest only going with those who charge by the project. The basic prices can be anywhere from $30 – $1,000.00, it just depends on what you want done and who you talk to. Shop around and you’ll be glad you did. Added in this step, if you want a full blown clothing line, as opposed to just a shirt with a design, you would want to also look into getting a graphic designer to do a logo for you. Again the cost can be nominal $50 up to $800.

6. Wear 2?- You have your design but no clothes, now what? Well again doing a simple search online of wholesale dealers can pull up some great sources of blank T-shirts, Jackets and Jeans. Here is where your incorporating comes in handy. One of the forms you are going to want to fill out is the Sales & Use Tax License Number (Form names may differ from state to state). This number will allow you to purchase goods at wholesale prices instead of retail. If you don’t want to go this route, another great source is your local flea markets. They can sell at bulk rates and have some excellent quality clothing.

7. Print It- Once you have your design together and your clothing, next is the printer. This is typically the most costly part of your clothing line, and for a good reason. If you just go for the cheapest, that’s what you’ll get. Research printers in your area, ask to see their work and ask for references. This is where the forum mentioned in Step 2 is helpful. Talk to the forum about printers in your area and see if anyone has had experience with them. Word of mouth is important. The more clothing you are printing, the cheaper the cost will be per clothing.

8. Now the Fun Begins- Here is where it gets the most exciting and scary! You have your clothing, it looks good, well not that good since it’s just sitting in your living room collecting dust. Market your clothing. There are so many ways and avenues that this could be it’s own article. But keep in mind, this has to be treated like your baby, and if you put due diligence and work into your clothing, show it! Go to trade shows, open up a table at the flea market, sell out of your trunk, go to retail stores and offer wholesale prices, rent a kiosk at the local mall, give away a lot of clothes for free to create a buzz, pester your family to buy your clothing and show to all of their friends. There are enough books and resources on how to market that you should be fine by this point. Just do whatever it takes to get your clothing in front of consumers.

I said at the onset that you could start selling clothing for cost a less than the price of a PS3 game. Obviously that would be lies if you included the cost of incorporating, purchasing t-shirts, graphic designers and printing, but let me show you how. If you do a search for Opening up a free online shop, it will display companies who will allow you to open up a clothing store for free. Yes free, you don’t have to ever pay anything. So the PS3 game cost would just be the price you pay for your design. Keep in mind you can get a design for $30 depending on which artist you use.

So there you have it, by no means exhaustive, but hopefully helpful. You can start selling your own clothing on just about any budget. If you don’t have money saved for a starting a company, try opening up the online store, and use the profit from that to incorporate and start printing your clothing, or if you prefer to not have to deal with that hassle, just market your website and get paid while not having any of the overhead associated with a clothing line. Hope this helps and best of luck.

Travis L. is a young entrepreneur. He incorporated his first company at the age of 17 and has not looked back. He is also an actor, and is actively pursuing a career in theater and music. His newest venture is an urban themed clothing line with a positive message of paying homage to the past, present, and future.

My Blog

My Clothing Line [http://www.payourespect.com]

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

January 17, 2012

Auto Repairs: How To Check Out Any Local Garage First

Filed under: Uncategorized — admin @ 10:04 am

Everyone wants to find a good, honest and reliable local garage which gives them value for money every time. So how do you go about finding one locally? The good news, it is possible if you just follow these 4 simple steps. This in turn eliminates the chances of you using the wrong ones that are going to charge you over the top. And the first step is to get personal recommendations especially from those that drive around in a similar model and make of car as yours.

Step 1 – How to be get personal Auto Repairs recommendations

So you drive around in a model of car that not many own or drive. So how do go about getting personal recommendations? Well it is now that much easier. Just email or text friends, relatives and work colleagues to ask them if they know of anyone who drives a similar model and make of car as yours locally. Give them your details as well as saying you are looking for a reliable garage to service or to do some auto repairs on your car in the local area. If they don’t know of anyone,get them to ask their friends. They in turn may know someone. As the saying goes, you are no more than 6 people away from the person you want to contact or speak to. Try it out. It works. You’ll be amazed at the results. Now on to the next step.

Step 2 – You now have a shortlist of potential garages to use for your auto repairs.

So what questions should you now ask those who have just recommended a particular garage for some auto repairs? Here are just some to get you started:

1. What do they like about the auto repairs in particular? Find out the reasons why.

2. How long have they been using the garage for servicing and for auto repairs?

3. What did they have done last on their car? Have they had any other auto repairs done using the same garage?

4. What was the service like? Any feedback? How was the car returned to them? Was it clean and tidy?

5. Was it repaired on the day and at the time it was booked in? Or do the auto repairs always over-run?

6. Were they informed of any other extra auto repairs that needed to be done before they were actually carried out? Did the auto repairs garage give them a quote at the time and more importantly did they keep to it?

7. Was the invoice itemised with a detailed breakdown for the auto repairs done including parts replaced? Were there any hidden nasty surprises added to the bill they knew nothing about?

8. Did the auto garage stamp the service book and were they any other issues?

9. How did they book their car in? Was there a long waiting period of say over a week to book their car in etc?

10. The garage itself was it well run, tidy, clean and well maintained? What was the general attitude of the staff? Were they polite and helpful?

11. Have they had any reason to go back to the garage to have some of the auto repairs looked at again?

Step 3 – Now to check out those auto repairs / garages on your shortlist

You now have a shortlist of the potential garages to use for your urgently needed auto repairs. You now need to quickly vet all of these out. First phone the auto repairs up and ask them for a service quote for your make and model of car.

1. How long were you kept waiting on the phone before it was answered?

2. Were they specific and detailed as to what is included as part of the service and what isn’t?

In most cases the way the reception staff operates and how they deal with the public ( i.e. customer care) is a reflection of how the auto repairs is being run. Yes, the person may be having a bad day. But even if they are, they should be professional and at their best when dealing with the public.

After a few days, you now need to do a quick visit to the auto repairs itself. It’s best not to go first thing in the morning as you want to see how the auto repairs is working properly at a busy time. Simply go to the reception desk and again ask them for a quote on the servicing of your car. Give them your car details etc. This is now your chance to ask any other questions you may still have:

If any work is undertaken on your car, how long is guaranteed for. It is always best to use an actual example to get all the details. This is so there can be no misunderstanding.

Ask them what is included in the service and what isn’t. You can now compare this to what was said on the phone earlier. Are they any differences? If there are, ask them why this is the case?

Find out where you collect the car once it has been serviced. You want your car to be parked and kept in a secure place. And not down a narrow side road where cars have difficulty parking and passing.

As part of the small talk, ask them how long they been working at the auto repairs? Lead them on and see how they react to your comment “It seems to be a very friendly place etc”. If they say yes it is, ask them how long most of the staff stay. Ask what training they have had most recently.

Once you have finished with the reception, look around generally:

1. Watch how the telephone messages are taken. Is it done systematically or just ad hoc on a piece of paper etc?

2. Is all the paperwork and documentation kept in an orderly way for each car?

3. Are the notice boards tidy and up to-date?

Review everything including how you were generally treated.

Step 4 – Now for the final test.

Once you have done the same for all the other auto repairs on your shortlist you can now decide which auto repairs to go with:

1. Best to give your chosen garage a small auto repair job first if you can, to see how they do it. What many also do at the same time is to mention they were recommended by such and such person with so and so car who also uses them.

2. If more than one person has given you a personal recommendation for that garage also mention their name. This way the auto garage knows that you are a serious customer. By doing this you ensure they will do an excellent job rather than risk you going back to their other existing customers and telling them otherwise. Play them at their own game.

Lastly as soon as you have changed your car to a new one, especially to a different make and model of car, you may need to find another suitable auto repairs to do the servicing and repairs to your car in the future. However you may be lucky in that the auto repairs you are presently using can also do all the servicing and any necessary repairs on your new car. Find out now if this is the case, and not when you need a garage in a hurry.

To cut your motoring costs even further, collect your free full report “57 Ways to Slash your motoring costs by 20% or more” now at Auto Repairs Chas Blandy runs http://www.car-buying-secrets.com/car-dealerships.html on car buying. That is to buy any model or make of car just like those in the car trade.

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

January 16, 2012

Saving Money Tips – Buying a New Car

Filed under: Uncategorized — admin @ 2:59 pm

A new car sounds lovely doesn’t it? Imagine the purr of the new engine and the looks you will get as you drive down the road in the latest model of your chosen car. However, we also know that the new model of today will be the old superseded model in the not too distant future and that the value of the car will go down very quickly.

So with this in mind we really need to be careful when considering whether or not to buy a new car.

Before rushing off to the car yard, you should grab out a large sheet of paper and write up the top “Do I really need to buy a new vehicle?” Then let the brain cells take a journey and come up with all of the reasons that you can to justify going out and getting a new car. Underneath this, write down all of the reasons to justify why you shouldn’t go out and buy a new car.

Here are some ideas to get you started and some common reasons that people write down:

1. Reasons to buy a new car

Car too small / big

  • Starting a family and need more room
  • Can’t fit in all of my gear
  • Can’t transport all of the kids and their friends around
  • It is just us now so we don’t need such a large car
  • We are going away so we need more leg room and storage capacity

No air conditioning

  • It is just so hot each summer we bake in our car

No air bags

  • The car has never been fitted with air bags

Lacking accessories (stereo / cd player / gps)

  • We need to have a cd player
  • Some new vehicles have an in built GPS so we need one too
  • The stereo is broken so we need to replace the car

Costing too much money to run

  • I am always spending money on this car
  • The car always seems to be at my mechanic

Need to look good at work

  • My car is a status symbol of my wealth
  • My boss would look down on me if I didn’t drive a new car
  • Having a new car will portray a message to my clients that I am very successful

Too old

  • My car is x years old so it needs to be replaced
  • I have had this car x years so it is time for an upgrade to a new model
  • This model is old, I need the newer model

Petrol guzzler

  • I am always putting fuel into this car
  • I checked my credit card statement and boy my car is thirsty
  • I used to put in $x of fuel a week and now I am putting in $y

Running too fast / slow

  • I can’t keep up with every one else on the road
  • My foot is almost flat to the floor and yet we hardly seem to be moving
  • If I don’t sell this I am going to do damage to someone as it just zips off so fast I can’t keep in control

Want security of a new vehicle warranty

  • I do a lot of travel for work and I want peace of mind if something was to happen
  • If the car is under a warranty I won’t have to spend any money on it

No longer road worthy

  • The mechanic said the car isn’t road worthy
  • I don’t think the car would pass a road worthy test

Want to keep up with the Jones

  • My friend has just purchased one of these new cars so I want one
  • The neighbours have just purchased a new car so we should also buy one

I have been offered a good trade in

  • The new car sales man has offered me a good trade in
  • I want to trade now whilst I can get good value for my current car

I want a diesel vehicle

  • I want to change from petrol to diesel as I heard it is more fuel efficient

I need a ute / 4wd / sedan

  • I want to change from a sedan to a ute
  • I need to trade the ute for a 4wd
  • I need a 4wd for my upcoming holiday
  • I need a ute so I can shift houses

2. Reasons not to buy a new car

Can’t afford it

  • The repayments will be too high
  • It is a lot of money for me to spend on a car
  • The loan will take me 7 years+ to pay back

Don’t really need a new car

  • I am being silly, I don’t really need a new car
  • There are other things I need ahead of getting a new car

Old car is going well

  • My old car works just fine
  • I can always get from A to B so what else do I need

Too expensive

  • Although it is new, I feel it is still very expensive
  • There is a big gap between 2nd hand cars of 2-3 years to the price on these new cars

Will drop in value too quickly

  • I have heard as soon as you drive a new car out of the show room they drop significantly in value
  • 2nd hand cars seem like a much better alternative, I have seen they are much lower in value

Expensive on-road costs and stamp duties

  • When I buy a new car I will have to incur extra fees such as on-road costs and stamp duties. Aren’t these costs in the thousands?

Insurance will increase

  • When I get a new car, I know my insurance premium will increase significantly

Young family

  • I don’t know if my kids will look after a new car or treat it well; they are always banging the car doors into things
  • I know that kids are kids and it is hard to keep a car nice with them around

Have better things to spend my money on

  • I do have a lot of other important items on my wish list; a new fridge, high school fees, reduce mortgage, etc

Work may provide a vehicle

  • Work may offer me a car as part of my package at my next salary review

3. Then you need to carefully look at both lists and to analyse all of the reasons you have written down

  • How important is the reason you wrote down?
  • Look through your list and decide which reasons you have written down contain something that is a must have – this might be for safety reasons or security
  • Be careful here and very honest with yourself with what you consider to be absolutely critical
  • Look through your list and decide which items you have written down is a nice to have but something that you could do without – this might be a gadget or feature of the car that isn’t absolutely critical
  • Take the time to rank each item from 1 to 10 in level of importance
  • Look through your list of reasons not to buy a new car. How strong and valid are these reasons?
  • It is important that you spend a decent amount of time doing this exercise and that you are somewhere nice and quiet where you can really think about yourself very carefully. This exercise could save you thousands of dollars!

4. As part of your analysis you should now spend time looking for alternatives. Start with the items that are of highest importance to you.

Car too small / big

  • Consider hiring a trailer
  • Consider hiring a car for the holidays
  • Clean out your car and see what space you then have

No air conditioning

  • Check out the cost to have this fitted to your current car

No air bags

  • Check out the cost to have this fitted to your current car

Lacking accessories (stereo / cd player / gps)

  • How much will it cost to have one fitted
  • Can you use a portable cd player / stereo
  • How much is a portable GPS
  • Can you make do with the radio

Costing too much money to run

  • Work out how much your car has actually cost you over 12 mths
  • Seek a professional opinion on the vehicle from your mechanic or local automobile club
  • Look carefully at how you treat your vehicle. Are you causing some of this cost?
  • What about your driving habits? Is this the cause of costing you money? Ie heavy braking or is your foot too heavy on the accelerator

Need to look good at work

  • You can still look good in a later model vehicle
  • Talk to your boss about being provided with a company car when you need to entertain clients
  • Talk to your boss about hiring cars / taxis when you need to entertain clients or travel
  • It seems pointless trying to look wealthy by owning a new vehicle if it is causing you financial grief and hardship. You will not be successful in your career if you spend all day worrying about how to pay your bills
  • Consider that a new car may put some clients off – your services may appear too expensive or that you don’t value money as you spend it on unnecessary items that decrease in value

Too old

  • How old is too old? There are some decent vehicles on the road that are 7-10 years old that are still running perfectly
  • Who states that there is a set time frame that you need to replace your vehicle
  • What will the newer model provide you with that your current car doesn’t provide you with

Petrol guzzler

  • Look at how much running around you are doing and whether or not you can seek alternatives such as car pooling, doing multiple tasks whilst out
  • Has your car been serviced recently? You might have a problem with your car that is easy to fix that is causing the extra fuel consumption
  • Consider how much the price of fuel has risen recently. Is this the real reason your petrol has increased
  • How much of the fuel bill on the credit card contains other items such as food and drink that you bought at the petrol station?

Running too fast / slow

  • Has your car been serviced recently? You might have a problem with your car that is easy to fix that is causing this to happen

Want security of a new vehicle warranty

  • Understand what is offered under the warranty
  • Consider having road side assistance from your local automobile club in case of break down
  • Keep your vehicle regularly serviced
  • Travel with a mobile phone so you can call for help in the case of an emergency

No longer road worthy

  • Get a couple of opinions on the road worthy status of your vehicle from a mechanic or your local automobile club
  • Establish how much it will cost to get the vehicle road worthy
  • Seek a professional’s opinion on this matter

Want to keep up with the Jones

  • Why why why, do you need to keep up with what someone else is doing?
  • Be an individual and live your own life and not those of others

I have been offered a good trade in

  • A trick / marketing strategy for selling new cars is to lure people in by offering a high trade in
  • You either get a high trade in or low purchase price – it generally doesn’t happen that you get both
  • Is the salesman playing around with figures? They sometimes up the price of the trade in and lower the discount on the new car OR they sometimes lower the price on the new car and lower the price on the trade in
  • If you waited a year or two before swapping vehicles, what do you think you might get as a trade in then

I want a diesel vehicle

  • How much will it cost to get diesel fitted to your current car
  • Are there any government rebates in relation to diesel fitouts

I need a ute / 4wd / sedan

  • Can you hire the ute / 4wd / sedan for the particular period of use if it is only short term / one off
  • Can you borrow a friend’s ute / 4wd / sedan
  • Is it worth paying a tradesperson to do your job to negate this requirement

Detective Heather Wood is Managing Director and writer for Money Detective Pty Ltd.

Money Detective can help you with all of your money troubles. From our website full of factual information and articles, to our one on one personal money coaching, Money Detective can help you with all aspects of money management. Sign up for our Newsletter today and get yourself 6 free Money Clues http://www.moneydetective.com.au.

To discover more ways you can save money and get in control of your finances, visit our Saving Money Tips section of our website http://moneydetective.com.au/budget-and-savings-tips.

© Money Detective Pty Ltd 2009

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

California Health Insurance Quote

Filed under: Uncategorized — admin @ 11:12 am

In a world of growing unease, it is more important that ever to insure individual good health. The stress of worrying about the expense of health care and health insurance is enough, in itself, to make you sick. With health expenses spiraling out of control, making even basic health care seem too difficult for the average person to obtain, it is more important than ever to make sure your insurance is the best that money can buy for you. In California, and elsewhere, it is essential to do some research, to gain quotes for the amounts you might pay in health insurance, for the policy itself and at the time of service. Health insurance is one of the most important purchases you may ever need to make.

Whether you live in Los Angeles or Redding, San Diego or Sacramento, people in California tend to care about the same things: fresh air, clean water, and anything else necessary for good health. People in such diverse areas also know how wildly different health insurance rates might be based upon the needs and goals of an individual. Good consumers in California know that obtaining a california health insurance quote is the best way to find the best deal on health insurance. While company recognition and comfort with your policy are important, most often, health insurance purchases, in California and everywhere else, depend greatly upon the quote, upon the price. While good health is priceless, as we all well know, health insurance is not.

A California quote for health insurance gives the consumer the information they need to make an informed decision regarding the health and care of them as individuals, as well as the group of their families. Regarding the actual quote obtained for health insurance, it is important to compare like policies. One must read carefully under each policy what may be covered, as well as costs at the times of a scheduled doctor appointment or, in case of emergency, at the hospital. It is important, too, to address questions about choice of physicians, payment for pregnancy, pre-existing conditions, and countless other issues when determining which policy may be right for you and your family. Policies are as diverse as the families who need them, so it is essential to fully comprehend the details surrounding your health insurance quote, from what may be required of you, initially or at the time of service, as well as what may be required of your health professionals.

A health insurance quote, in California and throughout the United States, is the consumer’s best access to actual health insurance information [http://www.gateinsurance.com/family-medical-insurance.html] regarding the standard of care and cost they may expect. In a time when our paychecks seem to be shrinking as the cost of our monthly bills rise, it is undeniably necessary to make the best choices possible when it comes to our financial concerns, as well as our physical care. In uneasy times, having the certainty of an official quote, a set cost for health insurance, can give the individual the peace of mind that truly brings good health. With a California health insurance quote, the individual is assured of exacting parameters of the policy on which they must depend. This speaks to the most basic of human desires – good health and financial security. You owe it to yourself to insure both.

Christopher M. Luck has an extensive medical background in dealing exclusively with california health insurance and is now offering his free professional health secrets [http://www.gateinsurance.com/family-medical-insurance.html] to the public. If you are at all interested in Christopher’s professional health advice, tips, or secrets, you can visit his health insurance site [http://www.gateinsurance.com].

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January 12, 2012

Home Auto Repair

Filed under: Uncategorized — admin @ 7:06 am

Doing auto repairs at home is one of the best ways to keep a car in tiptop shape. Home auto repair is cost-efficient, too, because you can save on professional fees. All it takes to fix your car is a substantial amount of know-how plus a collection of quality tools.

For most people, doing things themselves has its own rewards. The most obvious benefit is that they get to save their hard-earned dollars. When it comes to auto repair, the same mindset applies. It is not surprising why there are many people who still prefer to fix their car in the comfort of their own homes instead of bringing their vehicle in for commercial auto repairs.

Home auto repairs allow car owners the chance to work closely with their own vehicles. They get to tinker around with their cars to identify if it needs tuning up or if a certain part needs replacing. Home auto repairs leave the responsibility in the hands of the car owner. Owners would not have to worry about mechanics mishandling their vehicles or charging them huge fees for simple auto repairs.

If you are planning on repairing your vehicle in the comfort of your own home, do thorough research first. The World Wide Web holds a lot of information regarding auto repair as well as do-it-yourself vehicle maintenance. You will also find a lot of car tips and trivia online.

It would also be wise to amass a collection of commonly used car tools and equipment. Wrenches, screws, jacks and bolts are among the tools you need to get together. You can buy ready car tool kits on the Internet. Do some comparison shopping. Look around for the best deals. Once you have narrowed down your choices to the tools that provide you with the most value for your money, it is easy to have them delivered right to your doorstep.

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

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http://EzineArticles.com/?expert=Ken_Marlborough

January 5, 2012

The Benefits of Hiring a Private College Consultant

Filed under: Uncategorized — admin @ 10:02 am

In today’s college admission landscape it is essential that families remain knowledgeable on up to date trends in higher education. Many families begin the college admissions process early in high school so that they obtain as much information as possible about colleges while providing maximum opportunity for their children. The college admissions process is complex and detailed and in order for students and families to navigate this process correctly, qualified private college consultants are becoming more popular.

It is sensible to hire a qualified independent educator to ensure that the choice for higher education is correct, as the cost to obtain an undergraduate degree at many private colleges is near $200,000. Independent college consultants can also make an otherwise stressful process into a successful and enjoyable experience. The recognition and growth of private consulting is logical based on the demands of the colleges on students and the competitive nature of college admissions.

There are thousands of colleges in the United States and learning about how they vary is a difficult process without appropriate guidance. Qualified private college consultants help students avoid costly mistakes by finding the college that is the best fit for them. Without the proper direction, many students and families ultimately choose colleges without necessary information on what would be the best matches for them. Numerous families have specific requests with regard to academics, athletics and special learning needs. College consultants do lengthy and specific research to assure students that they apply to the most appropriate colleges. Expert college consultants attend conferences, visit campuses regularly and have a wide array of professional resources available. The experience and knowledge of a qualified independent college consultant is invaluable while navigating through high school planning and the admissions process.

The ratio of counselor to student in many high schools is extremely high (500 to 1 in many cases) and the school counselors do not have time to individualize the process for their students. Even the most skilled high school college counselors may have too many students to provide the individualized attention students need and deserve. College counselors in high schools are bound by the rules, requirements and job description of their schools. Often times they are also required to do additional jobs at their high schools with regard to guidance counseling, scheduling and record keeping. Many high school counselors do not attend conferences, tour colleges or develop relationships with admission representatives. As a result, they are not always current on recent college admission news and evolving admissions requirements.

Reputable educational consultants visit hundreds of colleges, whereas a college counselor in a high school spends the majority of his/her time at their specific school. In addition, an independent consultant researches and prepares college lists, assists with college essays, works on activity resumes, advises on campus visits, letters of recommendations, interviews, summer programs, internships and has a better understanding of what the colleges admissions personnel at specific colleges want in their candidates.

Most high school college counselors are grateful for additional insight and assistance with their students from independent consultants. High school counselors know that many families seek outside resources for academic tutors, test preparation and college counseling. There are various options available, however professional educational consultants affiliated with the Independent Educational Consultants Association (IECA) are held in high esteem and an integral part of assisting students in their college process. The additional insight private consultants offer can be a valued asset to hard working high school counselors who must write hundreds of recommendation letters. The relationship families maintain with a private consultant can remain confidential and release of any information is dependent on the family’s decision.

Jeannie received her Masters Degree in Education and Bachelor of Science Degree in Sociology/Psychology from the University of California, Los Angeles and is Founder and President of the Los Angeles based independent college counseling firm College Connections. She has an extensive educational background having served as counselor, school administrator, admissions director, teacher and curriculum supervisor for over twenty years in both the public and private sectors. Jeannie also mentored teachers through the UCLA teacher-training program for seven years, is state certified, and holds a teaching credential issued for life. Jeannie is a Julliard School of Music alumni and has first hand experience in selective admission auditions in top tier performing arts programs. Jeannie has over fifteen years admissions counseling experience and continues her work of the past ten years as an independent educational and college consultant. She is an independent specialist who works with and oversees every student. Jeannie participates in the UCLA College Admissions Counseling Certification Program and regularly attends professional conferences, networks with colleagues and visits colleges throughout the United States building contacts within the admissions staff. Jeannie has been awarded professional membership with the Independent Educational Consultants Association (IECA). Her affiliation with the National and Western Association of College Admissions Counselors as well as the Higher Educational Consultants Association keeps her on the forefront of innovative and current trends in college admissions and education.

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http://EzineArticles.com/?expert=Jeannie_Borin

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