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"Don't Gamble with Your Auto Insurance."
08/25/05 Reading auto insurance policies can be like trying
to decipher your online casino account documents.
It's really not that difficult if you understand a
few basic terms. Collision, Comprehensive, Bodily
Injury Liability and Property Injury Liability are
the main terms you need to fully understand.
You'll appreciate Collision Coverage in the event
you need repairs or replacements if your vehicle
collides with another vehicle or property. The
higher the deductible you elect, the lower your
premiums will cost you. If you're at fault for
something, well of course it would still be an
accident, as I doubt you'd plan to run into that
guard rail, but how much would you be able to afford to pay out of pocket for repairs?
$250? $500? $1,000? Just like medical insurance,
you'd have to pay that deductible amount first and
then the insurance company would pay for the
remaining charges for the repair.
Another term to become intimately familiar with is
Comprehensive Coverage reports. This is the coverage that
pays for damage caused from falling objects, fire,
certain natural disasters, theft and vandalism.
Deductibles
work the same way as with Collision; the more out
of pocket costs to you, the less your insurance
premium.
In addition to knowing how much Collision and
Comprehensive coverage you have, you'll want to
know about your liability coverage. Let's say you
rear-end another driver. Or your foot slips off
the brake onto the gas pedal and you plow down a
mailbox. Your liability coverage will kick in and
pay for the damages that you caused with your
insured vehicle. You liability coverage will, or
could, include bodily injury (people) and property
damage.
You don't want to go without Bodily Injury
Coverage. If you were at fault in an accident and
others involved needed to go to the hospital
and/or lost wages from missing work, those costs
would come out of your pocket if you are not
insured with Bodily Injury Coverage. It doesn't
take a genius to know how quickly those amounts
can add up. This type of coverage can also help
you in the event the other party takes legal
action against you. Many states require you to
carry Bodily Injury Coverage. You can easily find
this online.
The other part of liability includes Property
Damage coverage. Can you imagine how much it might
cost should you accidentally drive into the side
of someone's home? You wouldn't want to be caught
without property damage insurance should you need
to pay for repairs to another vehicle, building or
anything else you might hit. As with Bodily Injury
coverage, Property Damage coverage also helps
protect you in the event of a related lawsuit.
Every policy will have its limits and various
degrees of coverage. It's important that you
understand the basics of what you are paying for
and why it is necessary. No one plans for an
accident, be prepared!
Stephen Nelson, Creative Editor
Online Casino Reports
- Casino Bonus Hound
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"Golf Pro: Friend or Foe."
Thinking about taking a lesson to improve your
game? Confused about where to start your search
for "Mr. Right" THE teaching pro? Will
the high profile instructor have more to offer?
What if you can actually get a lesson from an
award winning pro recently featured on the cover
of a golf mag? Better yet, how about a
"coach" of one of the top tournament
players?
In case you are not a recent lottery winner, you
may have to keep your search close to home. Are
you a member of a swanky country club in your
area? Should you sign up with the aloof instructor
with the alligator shoes, alpaca sweater, silver
“toup” courtesy of The Men's Hair Club, gold
neck chain, and yellow Palm Beach slacks. You know
the guy - parks his red Lamborghini in that spot
marked for the "head golf professional"
ten paces from the pro shop door. Some
"dope" accidentally parked there last
year and no one has seen him since.
If not among the "country club set" you
may have to settle for an instructor at a
semi-private course or a muni or an "open to
the public" track. Where does your
"perfect" golf pro reside or hide? You
have heard of golf pros anointed by Saint PGA?
Perchance these gifted individuals can wave their
magic wand over your troubled swing. Some golf pro
who is not a member of this fine organization who
teaches at a run down driving range couldn't be
worth his salt or yours either for that
matter...Or could he/she? The driving range. You
know the one that is family owned where you drive
off rubber mats. Sure, the place "or
joint" surrounded by tall "chicken
wire" fences protecting the neighborhood from
dimpled missiles. Mom or Pop sells you a bucket of
balls, if they are not in the back room unloading
a batch of freshly scrubbed balls from their
vintage Maytag washing machine. And, get this,
because no real golf pro would get caught dead
associating with this dump, Mom and Pop double as
the friendly instructors.
To keep you from dozing lets jump to other venues
of instruction information. Why not a Wonderful
Golf School in some palm tree infested paradise?
Spend a week, and your children's college
education "green," and sign up for a
series of lessons. Boy will the boys back home be
surprised when you show up with your new swing!!!
And your wife?....happy as a little kid eating
paste...with all her shopping bargains crammed in
your 4-door Jalopy.
Let's see, where else? Yeah, the Internet....Is
this the lowest of the low? Can't these so called
golf pros get a "real job"....as Mom
used to say. So you scoot your swivel close to the
computer and peer. Pitch after pitch. Book after
book. Video after video. Going mad yet? What
should you do? Tennis? Nope, same problems or
worse. More phony instructors while you run around
making a fool of yourself on hot pavement. And
your knees? . . can't take it. Worse yet, no
carts.
Back to square one. What to do? What should be the
criteria? How do YOU limit your search so you can
get better before spending time at the “Gate”
tryin' to convince Saint Peter that swearing on
the golf course is no reason to keep you out.
OK, all right already. This author may be running
out of ink and here the last paragraph is
approaching at warp speed....So. Your
"perfect" golf pro can teach you all you
need to know about the golf swing in: NOT a series
of costly, take out a second mortgage, lessons….
Not 3 or 4 eye openers to reveal secrets known
only to the Aztec Indians, BUT ....here it comes
and you are not programmed to believe this, a GOOD
golf instructor can teach you all you need to know
about YOUR golf swing in approximately,
.......drum roll please.......15 minutes. So where
is the right scoop?
Not at the CC, or in a golf magazine, or on the
Goof Channel, or from 95% Of the PGA pros, or from
your playing partner who can't break an egg with
his swing. 95% of this mis-advice will set your
swing in a tail spin .
"Holy verboseness Red Ryder" another
paragraph. The "boys' on the cover of a golf
magazine, the coach of a tour star, Mr. Big shot
at the CC, or the instructor nominated by the Red
Cross as Teacher of the Year, are most likely
better at marketing than helping you find your
swing. How about Mom or Pop at the range?. .Most
probably…An excellent choice. What about Uncle
Harry the scratch player? How about saving your
coin, play a LOT of golf with Uncle Hank copy his
swing, his rhythm, his way of taking that five
mile hike with low numbers recorded on the score
card?
This phenomenon we call the golf swing takes less
than two seconds. There are a few “KEY
FACTORS” involved in a great golf swing. From
there, loyal reader, 95% of perfecting your
perfect swing is practicing those Key Factors.
To learn more about Jim's simple approach to
learning your best golf swing in the shortest
period of time visit his site at www.mcgolf.com.
The Anti-Pro is NOT saying... "I know what
I'm doing and NO one else does." The Anti-Pro
articles are the effect of a 50 year study on what
works and what does NOT work regarding improving
ones golf game. In essence, MOST golf instruction
will do more harm than good. How much is MOST??...
It is likely that over 90% of golfers/students
trade substantial money for ridiculous
"tips" that are practiced and then
become "bad" habits. Eventually students
become frustrated, confused and quit golf thinking
they are NOT smart enough or talented enough for
the game. The golf instructor must understand how
to activate the motor skill part of the students
brain to reach the potential of that students
capabilities. Less than 5% of all golf
"instructors" are gifted enough to
impact positive benefits for the student, the
remaining 95% should be flipping burgers at some
fast food diner.
Stephen Nelson, Creative Editor
Online Casino Reports
- Casino Bonus Hound
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Tae Kwon Do is Excellent
Exercise for Young and Old
08/25/05
Tae Kwon Do is Korean Karate. It means The Way of
the Hand and Foot (punching and kicking). There
are basically four sections to the art: Toning,
Sparring, Forms and Self Defense.
It is a well rounded exercise program that
encompasses muscle toning, stretching and
flexibility, increasing strength and stamina
through aerobic sparring and mental challenges
through becoming proficient at the patterns or
forms.
Most classes start out with warm-ups. These
exercises are the calisthenics such as push ups,
sit ups, jumping jacks, trunk rotations, squat
kicks and various leg stretches. For certain you
will tighten your abs and strengthen your arms
just from performing the warm-up exercises. Before
you know it, you’ll be doing fifty knuckle or
triangle push-ups at rapid-fire pace and will be
able to lean up against a wall and have someone
lift your leg up so that your toes touch the wall
behind your ear. Tae Kwon Do will definitely help
you to become or to stay limber.
Sparring is fighting in a controlled environment.
It’s not street fighting and all participants
wear protective gear: helmet, gloves, shin guards
and feet guards, called kicks. Usually you will
spar in three minute rounds. It’s basically kick
boxing. Then a minute rest; switch partners, then
spar again and repeat. You will get extremely hot
and sweaty. Jab, punch, upper cut, side kick,
reverse punch, round house, hammer fist, bob and
weave and repeat. It’s an excellent aerobic
exercise.
Learning the forms or patterns can really tax your
brain. Many of the forms have 26+ different
movements. It’s your job to remember them, in
order, and learn them proficiently. In theory, by
learning the forms, it’ll help you to become a
better fighter. For example, one form might start
out: high block, front kick punch left; high block
front kick punch right. Turn 90 degrees, down the
center, knife hand left, knife hand right, knife
hand left, spear hand. And so it goes. If you
master these, when it comes time to spar, you can
implement some of these patterns into your match.
Many people enjoy Tae Kwon Do, or any martial arts
for that matter, because it is an all inclusive
exercise program. It’s fun, it’s challenging,
and it’s an excellent way to get in or to stay
in shape. As with any exercise program, start
slowly and consult your physician. If you
haven’t participated in much physical exercise
in a while, your muscles will definitely be very
sore for the first few weeks. Don’t be
intimidated by the other students may appear to be
in better shape that you are. Everyone started out
as a white belt. Just have fun; and get moving!
Stephen Nelson, Creative Editor
Online Casino Reports
- Casino Bonus Hound
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The Family that Plays (Games)
Together, Stays Together
Depending
on how old your children are, you’re either
going to get a response of “Yippee” or one of
“That is so stupid, I don’t want to play”
when you announce the inception of game night in
your house. Make it non-optional, but make it fun!
It will be worthwhile and will create a bond you
would have never imagined.
Plan aside one night a week where everyone will be
home. If you don’t have one night where everyone
will be there, you have a bigger issue and you
need to juggle some things around so you have at
the very least one night where the entire family
is home.
Providing Mom or Dad’s back and knees can handle
it, set up a blanket on the floor. This needs to
be fun, not something the kids dread. Set up
themes to play a game. Perhaps choose a Hawaiian
theme. Have pineapples and things like that,
everyone wears leis. Hey, even Sponge Bob lives in
a pineapple under the sea!
Ok, so back to the theme. Each person needs to
bring to the blanket an idea about the theme. For
example, each person could talk about what they
know or ask any questions they may have about
Hawaii. (Or Sponge Bob trivia!)
The game itself doesn’t necessarily have to
relate to the theme; just the atmosphere and
conversation. You could be playing Yatzee, Life,
Clue, Sorry, Chutes and Ladders, Don’t Spill the
Beans, Uno, Texas Hold ‘Em, it doesn’t matter
which game you’re playing. You could incorporate
your theme into various intervals throughout the
game. Every time someone lands on a yellow square
everyone must take a bite of pineapple. Spin a ten
and all must eat a macadamia nut! If you select
the Go to Jail card, it’s your turn to do the
Hula!
At the end of each game night, talk about next
week’s theme. Family members can take turns
choosing the theme and the accompanying snacks and
décor. If it’s too much for one person to
coordinate or if children are younger, these tasks
can be delegated. Your three year old can decide
she wants a clown theme complete with balloons and
everyone will wear clown make-up. Your 7th grader
made opt for an art theme and paint or draw the
decorations.
This doesn’t have to be an expensive night at
all. You can pick up new games at thrift stores
and garage sales for $1.00. Most decorations you
may already have around the house or can be picked
up at the same places you’re getting second hand
games or even the dollar store. Make it fun. Your
children won’t remember and thank you for all
the hours you put in a work, but they will always
cherish the family time together. The family that
plays together stays together.
Stephen Nelson, Creative Editor
Online Casino Reports
- Casino Bonus Hound
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What Happens When You Submit
Articles To Ezines?
08/25/05
What's an article anyway, and why would I want to
submit one to an ezine? That was a two-fold
question and will require two answers.
An ezine article is usually composed of
approximately 500 words on a single subject that
would be of interest to your target market. At the
end of the article, you should include a
"resource box." This box should provide
such things as your name, the name of your
company, your web site address, email address, and
a small blurb about your product/service.
Writing an article is not hard work. All it
requires is some research and note taking. Use any
of multiple sources to find information about the
topic that you choose to write about. Then write
your article in your own words using the notes
that you took during your research. It's not
difficult and it's something that you learned to
do early in school (grade school probably). Write
in a conversational tone. Write like you are
talking to your best friend.
Now, I'll answer the second question. The reasons
to submit this article to an ezine are varied, but
not difficult to understand. They all boost your
bottom line.
1. The submission of the article will help
identify your business (web site) in the Internet
marketplace. This is normally called
"branding."
2. Article submission provides publicity,
virtually free.
3. Someone may like your writing style and hire
you to write articles or ebooks for them.
4. The published article will drive traffic to
your web site.
5. If the publisher of the ezine that you submit
your article to maintains an archive, your article
may be read many months later. Traffic may still
be driven to your site this way.
6. People will come to know you as an expert on
your subject.
7. You might get your article published in free
ebooks that are distributed all over the web. This
will drive more traffic to your web site.
8. This will help you become a trusted vendor of
information.
9. If you allow anyone to publish your article or
email it to a friend, you will gain further
exposure for free.
10. Webmasters may read your article and display
it on their web site. You get additional free
exposure.
11. If you send out an ezine, you could offer to
swap articles with other ezine publishers for
free. This provides more publicity without
expense.
So, there are quite a few benefits that you could
receive from publishing small articles like this
one. If that isn't enough reasons for publishing
your own articles, I don't know what else you'd
need. Don't forget to provide enough valuable
information. The more knowledge you supply, the
more valuable you become. Provide real value and
you will always have people clamoring for more.
Stephen Nelson, Creative Editor
Online Casino Reports
- Casino Bonus Hound
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Do
It Yourself Car Diagnosis
09/03/05 With a little
research on your vehicle, you can avoid future
repair problems. Whether you are mechanically savvy
or not, you can detect many common vehicle problems
simply by using your senses of smell and sight.
TAKE A GOOD LOOK!
Are there any stains or drops of fluid under your
vehicle? There may be no problem whatsoever, however
you do want to check for wet spots, as this could be
a symptom of a serious problem.
What color is the liquid under the car? Yellowish
green, blue or orange colors can show an overheated
engine or an antifreeze leak. You could have a leaky
radiator or a water pump in need of repair. If this
is the problem, you need to get to a repair shop
immediately.
A dark brown or black oily fluid can show that the
engine is leaking oil. A bad seal or gasket could be
the cause of the leak. The repair for this problem
can be exorbitant, so you will want to seek out a
reputable mechanic right away.
A red oily looking spot shows a transmission or
power steering fluid leak. Another reason to see
your car doctor!
Sometimes the liquid is clear, and this is usually
normal condensation from your vehicle's air
conditioner. There is no need for concern.
If you see light smoke coming from a wheel - it
could be a stuck brake. Call a tow truck.
Smoke coming from any part of the vehicle shows a
need for repair.
TAKE A WHIFF!
Sniff around, and you may detect your vehicles
problem.
The smell of burned toast can signal an electrical
short and burning insulation. Have a mechanic come
to look at your car. Do not risk driving it
anywhere.
A rotten egg smell usually shows a problem in the
catalytic converter. You will need to take the
vehicle in for repair as soon as possible.
A thick sharp odor usually shows burning oil. Look
under the car to see if there is a leak. There could
be a bluish smoke coming from your vehicle, too.
This problem needs to be addressed immediately!
The smell of gas after a failed start may mean the
engine is flooded. Just wait a couple of minutes and
try again. If you keep noticing the gas odor, this
could be a sign of a leak in the fuel system - a
potentially dangerous problem that needs immediate
attention.
Do you notice a sweet odor? This may show a coolant
leak. Watch your temperature gauge, warning light
and drive to a repair shop. Now, if you see steam
emerging from under the hood, stop and pull over.
You definitely do not want to keep driving an
overheated vehicle. Your engine will most likely be
seriously damaged. Call a tow truck.
The basic rule of smell is that if you do notice an
unusual odor - get to a mechanic or get one to come
to you.
Follow these simple guidelines, keep your eyes and
nose open, and you could end saving hundreds of
dollars in repair!
Stephen Nelson, Creative Editor
Online Casino Reports
- Casino Bonus Hound
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