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5 Tips For A Clean Garage Workshop

(category: Cars, Word count: 181)
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You park your car in the driveway and you still have to work on your projects in the back yard. If you don't use your garage for its designed purpose, why not turn it into a tidy workshop? Here are five steps to turn your garage in a perfect small home workshop:

1) Create your own workbench from an old door, some sawhorses or scrap wood.

2) Mount a pegboard on the wall to store your tools. It would be a great idea to mount it above your workbench. Strategically place pegs according to the type of tools you will be placing on the board. After hanging your tools, trace around them with a marker so you will know where each one goes.

3) Use old jars for holding nails, nuts, bolts and screws.

4) Make a storage box for the rags because they tend to accumulate in the working area.

5) Use a small tackle box for transporting items such as screws and nails as you move around the shop.

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Uk Loan Protection Insurance Can Protect Your Repayments If You Should Come Out Of Work

(category: Wealth-Building, Word count: 490)
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If you have monthly loan repayments to make then you could be left with a serious struggle of where to find the money if you were to come out of work due to an accident, sickness or through unemployment such as redundancy. UK loan protection insurance can help to protect your loan repayments if you should come out of work, but it does have to be given some very serious consideration as it isn't a suitable product for all circumstances due to the exclusions within it.

UK loan protection insurance would begin to payout once you had been out of work for a defined period of time and this can vary from provider to provider. Cover can begin to payout from the 31st day of being out of work but it can be as much as the 90th day. However the majority of UK loan protection insurance policies are backdated to day one. Once the policy has kicked in it would continue to give you the money to meet your loan repayments and keep you out of debt for up to 12 months and with some providers for up to 24 months.

There are exclusions in all UK loan protection insurance policies that could mean the cover wouldn't be suitable for your circumstances and these are usually found in the small print of a policy. It is essential that you read the small print and the key facts and if you go with a standalone provider you are more than likely given access to these. Some of the most common reasons which could stop you from making a claim on your UK loan protection insurance include suffering from an illness at the time of taking out the policy, being of retirement age or only being in part time work.

UK loan protection insurance has been in the spotlight for all the wrong reasons when the Financial Services Authority began investigating the sector in 2005 following a super complaint by the Citizens Advice to the Office of Fair Trading. Fines were handed out to several high street names and then the sector was referred to the Competition Commission. They are currently conducting an in-depth review of the sector which is expected to reach conclusion in February 2009.

While still being under the watchful eye of the FSA the recent investigation which has focused on mystery shopping has revealed that some UK loan protection insurance cover is still being sold without being understood and the FSA will hand out fines now to the Chief Executives of those firms found to not have the consumer's best interest at heart.

For now if you want UK loan protection insurance then stick with a standalone provider to make sure that you get the cheapest premiums and the correct advice needed to ensure that the product is suitable for your circumstances.

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Where Can I Find My Niche Finding Your Ideal Prospects So You Can Sell To Them

(category: Entrepreneurs, Word count: 1264)
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Most marketing experts will tell you that you need select a niche or a target audience. That you can't just market to "whoever is paying attention" and be successful.

Why is that? Think about it this way: if you are having a conversation with a total stranger, how do you know what to talk about? Unless you are able to find some common ground, the conversation will probably be short-lived.

Because neither of you have an understanding of the other, you must find a way to make a connnection to involve each other into the conversation.

The same holds true for marketing. You must make a connection with your audience if you want them to pay attention and stay around to find out what your product or service is all about.

And, in order to make a connection, you have to know something about them. You have to know what problems they have that you can help to solve. You have to understand them.

That is why it is so important to select a niche or clearly defined target audience. Because once you've selected a distinct group of people you believe you can best help, you can research them so you begin to understand them.

Then and only then can you really communicate effectively with them. And that's what marketing is; communication.

But once you've identified your target or niche, you must also be able to find and market to them.

The first step in doing that is to define them more specifically. How?

My suggestion is to ask yourself the following 10 questions to help develop a very clear description of your target. Then it will become much clearer to you where you can find them.

You may need to make some educated guesses when answering these questions and that's okay. It's a start and you can always refine your answers as your business grows and you begin to understand your target more.

As I go through these 10 questions, I'm going to use an example of a client of mine who is a life coach who wants to help adults who are childhood victims of maltreatment or victimization, improve their health and wellness.

Why am I using this example? Because it is a clearly defined group, BUT these people do not wear a sign around their neck advertising who they are. So, they can be difficult to find and market to. Therefore, it makes a great example.

You can apply these same 10 questions to your business or niche, regardless of what they are. They are universal questions that apply to any type of business or target audience.

1. What is their primary problem you can help solve?

Our life coach needs to clearly identify the current problem her potential clients are dealing with as a result of their childhood maltreatment. That is the problem she can position herself to help them overcome. Is it relationship issues? Is it job issues? Be as specific and focused as possible.

2. Are they primarily male or female?

Our life coach has identified her target as females.

3. How old are they?

Our life coach says they are high functioning professional women. In that case, I'd say we're primarily talking about women between the ages of 25 and 45 years old.

4. Where do they live? What type of community or neighborhood; urban area; suburban area? Also, do you have any geographic limitations (real or self-imposed) regarding where you can market or deliver your services or products?

If they are high functioning professional women, they likely live in a nicer suburban neighborhood or perhaps an urban area. Our life coach will need to identify where she believes the majority live in her area and whether she only wants to work with women in her immediate geographic area, or if she wants to do distance coaching.

5. What type of work do they do? And where do they likely work? Their type of business as well as geographic location.

Professional women could be corporate professionals, doctors, attorneys, entrepreneurs or solo-professionals. Our life coach will need to identify the fields she wishes to focus on, taking into consideration the ones she feels include the greatest number of her target clients.

6. What is their socio-economic status or annual household income?

High functioning professional women are probably enjoying financial success, making them of a higher socio-economic class. They probably earn a good income and enjoy the finer things in life. Money is probably not an issue.

7. How do they spend their leisure time?

Do they belong to a gym or health club? Do they go to the movies or out to dinner frequently? Or, do they have young children and spend their time at elementary school functions, family picnics, children's birthday parties or weekend soccer tournaments? Our life coach may need to make some assumptions here based on what she knows about her target. Again, that's okay to start with. She can always fine-tune this later as she begins to understand these women better.

8. What is their family structure or home environment?

This niche of professional women probably includes single women as well as those who are married and have children. Therefore their home environments may vary. They may have no support or family network. They may have strong family support. Or, they may be having issues with their family based on their past. Our life coach will need to keep this in mind when she selects marketing avenues and writes her marketing messages. She'll want to focus on what they have in common and steer away from areas of abiguity.

9. Do they belong to any associations or professional organizations?

If our life coach selects one or several industries to target, she should be able to easily identify associations or professional organizations these women belong to. Once identified, these are excellent venues for networking and speaking opportunities.

10. What are their media habits?

Do they read the newspaper or magazines? If so, which ones? Listen to the radio? If so, which formats do they likely listen to? Do they watch TV? If so, which programs do they likely watch? Do they spend time on the Internet? If so, what kinds of web sites do you think they are visiting? Where do you think they are currently getting their information about health and wellness? These are all potential places to reach your niche with your marketing message.

Yes, again our life coach may need to make some assumptions. However all of these media can provide you with detailed demographic profiles of their audience. So if we're looking for professional women in a certain geographic area, we'll be able to find out if they are among the audiences for these different mediums.

Answer each of these 10 questions to the best of your ability. Talk to current clients to get insights. Or, talk to friends or colleagues who fit your client profile to gain a better understanding of who and where they are.

Once you build this target client description, you'll have a much better sense of where you can find them.

The next step is putting together a marketing message that speaks directly to them and what they are dealing with. The more you understand them, the more you'll be able to craft a message that will hit home with them. That message will become your magnet, attracting the people who you can best help.

(C) 2005 Debbie LaChusa

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Golf Carts Not Just For The Golf Course Anymore

(category: Golf, Word count: 459)
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In the market for a used golf cart? Did you know that they're not just for driving around the course anymore? You can use them to haul yard gear and transport gardening supplies and tools. They can also be utilized simply as a way to get from point A to point B if you've got a large piece of property or just need a little assistance getting around. Also, a used golf cart can be a big help if you're a family who likes to travel. They're great to have on camping trips for tooling around the grounds, or getting to the store, showers and swimming hole. And of course, they still make your golfing experience more enjoyable when cruising around the course instead of walking, especially on those warm days.

Used golf carts are available in electric or gas power and range in price from around $1,500 to higher end versions priced at around $4,000 depending on the extras you choose. There's also lots of online companies that also sell reconditioned carts for an even more economical approach.

Another money-saving tactic is that if you're mechanically inclined and have an old golf cart that may be out of commission due to worn out or broken parts, you can purchase a wide variety of replacement parts, either aftermarket, used, refurbished or new, from an online dealer.

One new and fun aspect of owning a used golf cart these days is that you can also get them custom painted! There are companies that will airbrush your name, boat name, or even a cartoon character or favorite scene and most places just need a picture or sketch of your idea to create original artwork for your cart which will make it uniquely yours!

What about cart stretching? Instead of purchasing a larger cart, this concept involves cutting an existing 2-seater golf cart in half and then combining it with another to 'stretch' your seating and space availability. It can also increase the safety and comfort of your passengers which is always a good idea.

Additionally, if you've got a used golf cart, or are planning on purchasing one and it may not come exactly the way you wanted, there's lots of accessories and updates you can add to it. Some of these include heaters with 12 to 48 voltage capabilities that plug right into the cart's power outlet. You can order custom-made seats in your choice of upholstery and color, a new canopy or even different floor mats.

Look around online to see all of the many options that are available to you. For all its uses, a used golf cart is a functional and fun way to get things done.

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The Wedding Cake

(category: Weddings, Word count: 516)
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The wedding cake is the first thing your guests notice when they walk into the Reception hall. The cake sets the tone of the wedding as formal or informal. In ancient times weddings took place after the harvest and cakes were considered a symbol of good luck. Wedding cakes gave good luck to the newlyweds, and passing out pieces of cake was a way of sharing that luck with friends and neighbors.

The traditional wedding cake of three or more round stacked layers, is what comes to mind when most people think "wedding cake" However, your wedding cake can be any shape or style you wish. I have seen all kinds of cakes used for wedding cakes, from multi-tiered heart shaped cakes with several smaller hearts on pedestals attached to the main tower by cascading ribbons, and plastic bridges. It was really beautiful. I also know a couple who met at a hockey game. Their wedding cake was a sheet cake decorated to look like a hockey arena. Obviously it was a very informal wedding, and a second marriage for both. A sheet cake can be decorated with elegance, for an informal wedding. It is your wedding, you can have any kind of cake you want.

Most brides show up for the first meeting with a cake designer/decorator, with an image in her head of the perfect wedding cake, that she may have dreamed about since childhood. The designer will do everything in her power to bring that image into reality. Go to the meeting the approximate number of guests, your color scheme, a sketch however primitive of what you want your cake to look like and possibly a picture from a magazine that is close to what you want the cake to look like. The designer will also want to know what flavor you want the cake and icing to be. They may even have samples for you to taste.

If you want a formal wedding but still want to add a touch of whimsy have fun with the grooms cake. The wedding cake can be as elegant as you want, but have the groom's cake reflect something about the groom, his hobbies, job etc. Does he like Nascar have a race car, the options are endless. If another special family occasion is the same day as your wedding, try to recognize it some way. A friend of mine got married on her father-in-law's birthday, so she had the top layer of her wedding cake decorated as a birthday cake for him. He was so delighted. All of these kinds of things need to be discussed with the cake designer, well in advance of the big day. You can get wedding cakes at most bakeries, but I'd suggest looking for one whose specialty is wedding cakes. You don't have to limit yourself to the traditional cake. I knew a bride whose wedding cake consisyed of hundreds of filled cupcakes, artfully arranged to resemble the traditional wedding cake, each of the five layers had a different type of filling. It was amazing!

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Manage High Blood Pressure Naturally

(category: Alternative-Medicine, Word count: 749)
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In Chinese Medicine, many of the symptoms of high blood pressure, such as pounding headaches, dizziness, and pressure behind the eyes are often related to a pattern of Liver Yang Rising or Liver Heat. It is important to see a physician for proper diagnosis and supervision of high blood pressure, but acupuncture and Chinese herbal medicine may also be useful for managing your condition. Certain herbs have been shown to have an anti-hypertensive effect. Certain other herbs have been shown to be useful for controlling cholesterol levels and improving cardiovascular function. Acupuncture has been shown to have a general relaxing effect which can be useful in stress related or essential hypertension. In addition, certain points are commonly used in the treatment of patterns that relate to high blood pressure.

One commonly used herb for symptoms and patterns related to high blood pressure is Tian Ma or gastrodia rhizome. Research in China has shown it to be useful in the treatment of symptoms related to high blood pressure such as dizziness, numbness of extremities, tinnitus, headaches, and pain behind the eyes. It may have a sedative and tranquillizing effect. It has been shown to have usefulness for renal hypertension and essential hypertension. Another useful herb is Ye Ju Hua or chrysanthemum flower, which has been shown to have a prolonged effect of lowering blood pressure through peripheral vessel dilation. It has also been shown to increase blood flow to the heart. Another herb that is used to clear Liver Heat and is commonly used to treat eye problems that may be beneficial for high blood pressure is Xia Ku Cao or prunella. Chinese research has shown that it has a moderate vasodilating effect. These herbs are often used in combination by practitioners of Oriental Medicine in the treatment of patterns related to high blood pressure.

Other herbs may be useful for improving heart and circulatory function. They may also help reduce cholesterol. Shan Zha, or hawthorn berries, have been shown to reduce cholesterol when taken for six weeks or more. It is often used in China to improve circulation and to treat angina pectoris. Another herb that is commonly used in China for cardiovascular problems is Dan Shen, or Salvia. It has also been shown to reduce cholesterol. It also may improve microcirculation in the body. In China, pills of Dan Shen are used in the treatment of angina and in the treatment of coronary heart disease. It also may help promote repair and regeneration of tissues by increasing the body's metabolism.

Certain acupuncture points are also known to be useful in the treatment of patterns related to high blood pressure. Large Intestine 4 is a point that many people know can help to control headaches. It is on the back side of the hand in between the thumb and index finger. It is also commonly used point for blood pressure related patterns. Another point at the vertex of the head, Du 20, is also commonly used. An acupuncturist or Chinese herbalist always takes an inventory of symptoms, along with looking at a person's tongue and feeling a person's pulse in order to determine the specific combination of points and herbs that a person needs. Different people with high blood pressure are treated differently depending on the pattern they present.

During my time in China, I did clinical rounds in the cardiology department at the Chengdu Traditional Chinese Medicine Hospital. Modern drugs and diagnostic equipment were used hand in hand with Chinese herbs and acupuncture in order to treat conditions such as high blood pressure, angina pectoris, cardiac arrhythmias, heart enlargement, and stroke. I even saw Chinese herbs, such as Dan Shen, being given in intravenous and in injectable form. The conditions were diagnosed using modern science and traditional Chinese diagnosis. Drugs were used for symptom control and for emergencies. As people's condition improved with the use of Chinese herbs and acupuncture, their doctors slowly adjusted the dosage of drugs that they received. The results I saw were better than either form of medicine could have achieved alone. We do not have the benefit of experiencing such a deep synthesis of modern medicine and ancient techniques yet in the West. Nevertheless, I believe that as people learn more about the benefits of Asian medicine, we may someday come close to achieving a more integrated system of care in the West that will be more clinically effective, more cost effective, and result in fewer side effects.

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Intro To Cd Mastering

(category: Cd-Duplication, Word count: 436)
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Even though many assume that the mixing of the

seperate audio tracks is the final step, a recording

should always be mastered well in order to sound

great. CD mastering is the final chance for

creative input when you create a compact disc.

After the discs has been mastered, it can be printed,

reproduced, and then sold.

The process of mastering a CD actually involves

several steps. The first step is putting the songs,

or tracks at this point in the correct order. The

length of time between the songs is also adjusted,

along with the editing of the songs. Any unlisted

or secret songs on the CD are normally added at

this point as well.

There are several ways that you can go about

mastering a CD. First of all, the mix can be

sent to a professional CD mastering engineer,

which is what professional musicians normally

decide to do.

The mastering engineers will often work in their

own mastering facilities, which are very different

from standard studios, in the fact that they have

much less gear and are designed for the best

possible playback of the mix as possible in

order to fix anything that's wrong.

Aside from mastering engineers, CDs can also be

mastered at home using computer software. This

option is normally more realistic for unsigned

artists or musicians who are just starting out

with their music. Depending on the software

quality and skill of the individual doing the

mastering, the CD may turn out perfect or it

may sound very unprofessional.

You can also refer to online CD mastering as

another option. Cds that are mastered online

can be great, as instead of sending a mix to a

mastering engineer, the mix is instead sent

via the Internet. To do this, you'll need a

high speed Internet connection.

The cheapest way to go about mastering a CD is

with free mastering. Artists and musicians may

choose to use free mastering programs with

demos or other earlier recordings that artists

will use to send to major record labels to

generate some interest in their music.

The major differences with a professional CD

and an amateur recording is normally found in

the mastering. Every song that you hear played

on the radio is thoroughly mastered in order

to sound better.

While you can master using free programs or

your computer, a professional CD mastering

engineer is normally the best way to do business

if your band is looking to make a profit from

your music.

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Forex Trading Lessons A Must For Forex Beginners

(category: Wealth-Building, Word count: 506)
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In the world's Major Economic Marketplace where exchanges achieve up to trillions of dollars each day, many people would really want to take part in this Marketplace. Aside from being the Major Financial Marketplace in the world, Forex is also the most liquid Marketplace in the world where trades are completed 24 hours a day.

A lot of Traders have turn out to be extremely wealthy Trading in the Forex Marketplace. And, many people who trade in the Forex Marketplace on a daily basis have found a great way to replace their day jobs. Some even became millionaires almost overnight by just Trading in this Economic Marketplace.

Trading in the Forex Market can be very attractive. However, you should also know that there have been people who suffered extreme financial losses in the Forex Market. It is true that the Forex Marketplace offers a very good money-making opportunity to a lot of people, but it also has its risks.

It is a fact that people who didn't have the right knowledge and skills Trading in the Forex Marketplace suffered huge financial losses and some even went into debt. So, before you enter the Forex Marketplace, it is essential that you should have the necessary knowledge and skills as a Forex trader in order to minimize the risk of losing money and maximize the potential of making money.

Many people who were doing well in the Forex Market have went through a Learn Forex to get the knowledge and skills needed to successfully trade in this very liquid and very large economic Marketplace.

In a Forex Trading Education, you will learn about when it is the right time to buy or sell, chart the movements, spot Marketplace trends and also know how to use the different Trading platforms available in the Forex Marketplace.

You will also be familiarized with the terminologies used in the Forex Marketplace. Even the basic knowledge about Trading in the Forex Marketplace can be a great help with your money-making venture in the world's largest Marketplace.

There are different Forex Trading lessons offered, all you need to do is select one that suits your requirements as a trader. Even crash courses where all the basic things about Forex will be taught to you in a short period of time, full time online courses, where you will learn all about Forex through the internet and there are also full time real life classroom courses where you can learn the ropes about Forex in a real classroom with a live professor.

You can also become an apprentice. On the other hand, in order to become skilled at a lot about Forex as an apprentice, you need to make sure that you have a seasoned Forex trader who can share a lot of things to you about the Forex Market.

Here are some of the crucial things you should look for in a Forex Trading lessons in order for you to get the sufficient knowledge about Forex Trading:

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Lovebird

(category: Arts-Entertainment, Word count: 451)
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For the last 8 years I've worked as a freelance record producer/sound engineer and before you ask, no, I haven't worked with anyone famous and no, I can't make a CD for your young Bennie who's just started playing the Harp but is "very good" and "even better" just after he tunes it... For those of you out there who think record production is all about fast cars, girls and mountains of money, please allow me to provide a reality-check. Yes, for a select few people, the high-rolling, big-budget, hit-making factory provides a very seductive lifestyle, but for the other 99.99% of us it's months of toil in crappy studios with small independent artists protectively mothering large, dependent egos.

Despite the economic and social disparity, there is one advantage to being one of the "small fish" in the big pond called the Music Industry.

The Lovebird.

A Lovebird is always an amateur who has humbly come into the studio to record something special for a loved one. They'll explain that it's for a birthday, wedding anniversary, or Valentine's Day, and there's an old song that means a lot to them that they'd like to record as best they can. Often they'd just bring the song in on a CD and ask me to remove the vocals and do a quick recording of them singing to that track. I'd record it as best I could, add a few effects and burn it to a CD for them.

Lovebirds used to come into the studio all the time. It was both a pleasure and an honor to watch them sing their hearts out; however, over time I noticed that they were coming in less and less. Initially, I feared that the gentle art of the serenade was dying, but as it turns out, they were still actively recording their own personal songs, but from the comfort of home, as opposed to the often intimidating domain of the recording studio.

Whenever a lovebird used to come into the studio, they were always surprised when they saw how quick and easy it was. I guess it was only a matter of time before someone like www.audio4fun.com came along and made the whole process possible at home.

Music Morpher Gold does everything I can do in the studio...without the studio. They've made it so easy that anyone can start recording in minutes! What's more, for this Valentine's Day they've cut the price by 50% to $49.95...It's enough to make any grown sound engineer cry. If you want to make an impression this Valentine's Day, here is your big chance. Be a Lovebird this time around; sing your heart out and make someone feel very special.

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