my29369
Friday, March 14, 2008
Where To Get Money For A Franchise Idea
How often have you thumbed through a business opportunity magazine, noticed a franchise opportunity advertisement, and felt you'd really like to get in on that...if only you had the money? If you're like most who are seeking greater opportunity and wealth, this probably happens with you more often than you care to admit, except perhaps in strictly private conversations.
When the average person sees one of these opportunities, or comes up with a similar idea of his own, the problems of start-up capital may seem formidable. But in reality, they may not be. In fact, just about anyone with a good credit record and an "insider's sense of business" can get the capital he or she needs, whenever it's needed. The secret is in knowing how to put together a proper proposal, and to present it to the right per son. These are the "how-to" instructions we're going to give you in this report.
The first thing you're going to need is a complete business plan. This is a complete and detailed description of exactly how you intend to operate the proposed business. Your business plan should detail precisely the product or products you plan to sell; how you're going to produce or manufacture the product; your costs (inventory costs if you're purchasing them from a supplier); who is going to sell those products for you; how they're going to be sold; the attendant costs; when you expect to recoup your initial investment; your plans for growth or expansion; and the total dollar amount you're going to need to make it all work according to your plan. Your business plan must be detailed - complete with projected income and expense figures - through at least the first three years of business.
Now, assuming you have your business plan all worked out, put together and ready for presentation with your request for capital, let's talk about your capitalization proposal.
First, keep in mind that whenever you ask somebody for money, whether it's for a small personal loan or a large amount of money to finance a business, you're involved in a selling situation. You have to prepare a "sales presentation" just as if you were getting ready to sell an automobile or refrigerator. Within this sales presentation you must have all the facts and figures; you must anticipate the questions and the possible objections of the prospective lender with answers or explanations; and you must "package" it as impressively as you would yourself for an audience with the president of IBM or General Motors.
The more money you ask for, the more "in-the-know" will be the people you want to borrow from, and so the more detailed and organized your proposal must be. This shouldn't cause you too much worry however, because you can hire a CPA to help you put it together properly, once you've got the facts and have a business plan he can work from. See Http://workathomecoop.com
Look at it this way: The more money you request for your business, the more your lenders or prospective investors are going to want to know about you, your planning, and your business. They want to be impressed with the fact that you've done your homework; they want to see that you've researched everything and documented your facts and figures; they want to be assured by your presentation that investing in your business will make money for them. It's just that simple at the bottom line. Unless you can instill confidence in them with your business plan and loan or investment proposal, they're just not going to give much positive thought to your request for capitalization.
So you'll need a balance sheet describing your net worth - the worth of what you own compared to the amount of money you owe. You'll also have to prove your stability and money-management talents relative to how successful you've been in paying off past obligations. If you have had credit problems in the past, get them "cleaned up", or at least explained on your file at your local credit bureau office. Under the law, credit bureaus are required to give you all the information they have about you in their files, and it's your right to correct any errors or enter explanations regarding negative reports on your credit. Do this without fail because prospective lenders or investors will definitely check your credit history.
So, now you have your balance sheet prepared; your credit history organized in a light that's favorable to you; your business plan (with costs and income projected over the coming three years), you're ready to start looking for lenders or investors.
Almost all franchisors offer help in setting up with one of their franchises. Most will go out of their way to assist you in getting the financing you need. Some will lend you the entire amount, with payments coming out of the income they expect you to make from their franchise operation. Many will carry this loan themselves, while others will carry part of it and find you a lender to finance the remainder.
Franchisors have two objectives in mind when they offer franchises to the public: They are trying to expand their operation, thus increasing their profit, and they are trying to raise capital for themselves. Generally speaking, if you have a good credit history, and if they feel you have the necessary business personality to achieve success with one of their operations, they'll do everything within their power to get you in a franchise outlet. Keep this in mind the next time you see an advertisement for a promising franchise opportunity requiring a substantial amount of cash outlay. You don't necessarily have to have all the money. They want you, and they'll help you!
Many people seem to be unaware that most of today's largest corporations started on a shoestring - on borrowed money. Many people seem to feel that unless they've got it all "in hand" in savings, then they'll just have to keep plugging away until they can save up enough to take the big plunge. Nothing could be farther from the truth. Just a quick bit of research will show that 999 out of every 1,000 businesses were begun on borrowed money.
Look to your family and friends for financial help. Approach them in a business-like manner; tell them about your idea or plans, and ask them for a loan. Agree to sign a formal statement to pay them back in three, five or ten years, with interest.
When you have your proposal assembled, you might even want to think of a limited partnership or even a general partnership arrangement as a way to finance your project. In any kind of partnership, each partner shares in the profits of the company, but in a limited partnership, each person's loss liability is limited to the amount of money he initially invested. The truth is, in this kind of a situation, you'll be doing all the work and sharing your gain with your partners, but then it's a fairly sure way to obtain needed financing.
Another common method of obtaining business financing is through second mortgage loans on a home or existing piece of property. Say you purchased a home ten years ago for $35,000, and today the assessed valuation is $85,000, with a mortgage of $25,000 still outstanding. A lender may consider your home to be security or collateral for a loan up to $60,000. In many instances, this is the easiest and surest way of getting the money needed for franchise or other business investment. And, it makes sense; you've got "net worth" available that is doing nothing but sitting there. Take this equity and invest it in a worthwhile business, and you could double or triple your net worth each year for the rest of your life.
Deciding to obtain a second mortgage on your home in order to finance a business opportunity is without doubt a major decision, but if you are sure about your investment project, and are determined to succeed, you owe it to yourself to go ahead. You could incorporate yourself, borrow money from your family through a second mortgage on your home, and protect against the loss of your home through the Federal Home stead Act. The important point here is that all business opportunities involve risk and sacrifice. It's up to you to determine the feasibility of your success with your proposed venture, then decide on the best way possible to proceed.
In every instance where you run into reluctance on the part of a lender to lend you the money you need, explore the feasibilities of "two-name" or "co-signed" loans. You can have the franchisor sign with you, or one of your suppliers, a business associate or even a friend. Oftentimes you can borrow or rent collateral such as stocks, bonds, time certificates, business equipment or real estate, and in this way give greater confidence to the lender in you r abilities to repay the loan. Whenever you can show a contract from someone who has agreed to purchase a certain number of your products or services over a specified period of time, you have another important piece of paper that most lenders will accept as collateral. Still an other possibility might be to get a bank or a firm that has loaned you money in the past to guarantee your loan. They simply guarantee that they'll lend you money in the future if ever the need should arise.
Going straight to you neighborhood bank, applying for a business loan and walking out with the money is just about the most unlikely of all your possibilities. Banks want to lend money, and they must lend money in order to stay in business, but most banks are notoriously conservative and extremely reluctant to lend you money unless you have a "regular income" that "guarantees" repayment. If and when you approach a bank for a business loan, you'll need all your papers in order - your financial statement, your business plan, credit history and all the endorsements you can get relative to your succeeding with your planned enterprise. In addition, it would be a good idea to take along your accountant just to assure the banker that your plan is verifiable. In the end, you'll find that it all boils down to whether or not the bank officer studying your application is sold on you as a good credit risk. Thus you must impress the banker - not only with your proposal, but with your appearance and personality as well. In dealing with bankers, never show an attitude of doubt or apology. Always be positive and sure of yourself. However, don't come on so strong to them that you're either demanding or overbearing. Just look good, know your stuff, and project an attitude of determination to succeed.
Your best bet, in attempting to get a business loan from a bank, is to deal with commercial banks. These are the banks that specialize in investment loans for going businesses, real estate construction, and even venture programs. Look in the yellow pages of your telephone or business directories; call and ask for an appointment with the manager; and then explore with him the possibilities of a loan for your project. One of the "nice things" about commercial banks is that even though they may not be able to approve a loan for your business ideas, they will almost always give you a list of names of business people who might be interested in looking over your proposal for investment purposes.
A lot of commercial banks stage investment lectures and seminars for the general public. If you find one that does, attend. You'll meet a lot of local business people, some of whom may be able to and interested in helping you with your business plans.
When you're looking for money to move on a business deal, it does not really matter where the money comes from, or how it all comes about. It's important that you get the money, and at terms that are suitable to you. Thus, don't overlook the possibilities of an advertisement for a lender or investor in your local papers. Place your ad as well in national publications reaching people looking for investments. Other avenues to seriously consider are foundations that offer grants, local dental and medical investment groups, legal investment groups, business associations, trust companies and other groups or organizations looking for tax shelters.
Basically, it isn't a good idea to go to a finance company or other commercial lender of this type for a business loan. The most obvious reason is the high interest rates you have to pay. These companies borrow money from larger money lenders, and then turn around and lend it to you at a higher interest rate than they pay. Herein lies the means by which they make money from granting loans to you. The more it costs them to provide the money for you, the more it's going to cost you to borrow their money. The only element in your favor when borrowing from one of these agencies is that most will generally lend you money against collateral other lenders just won't accept. Insurance companies, pension funds, and commercial paper houses are not too out of sight with their interest rates, but they generally will not even consider talking to you unless you're requesting $500,000 or more. They'll also pretty much require that your business proposal be backed by the best possible plan.
Finally, the bottom line is this: You must have a well-researched and detailed business plan; you must have all your documents and projections put together in an impressive presentation; and then, you will have to be the one who does the final selling of your proposal to the investor or lender. This means your appearance, personality and attitude, because - make no mistake about it - before anyone lends you any size able amount of money, they're going to want to take a close look at you personally before they hand over the money.
Actually, the different ways of financing a franchise opportunity are as many and varied as your own creativity. The sources of obtaining money are virtually limitless, and available to anyone with an idea.
One word of caution before you jump into any franchise purchase agreement: The price you pay to participate in a franchise operation is not always the total cost involved in getting the business off the ground. With some franchise operations, you may find other costs such as down payments on the purchase of property, building construction costs, remodeling or site improvements, equipment, fixtures, signs, advertising, and training. Virtually all franchise deals require that in addition to the purchase price or the license fee of the franchise, you're required to give a certain percentage of your gross business income to the franchisor, plus extra payments for promotion and administrative costs. Above all else, before you get involved in a franchise, or any business venture for that matter, make sure you've conducted a complete and thorough investigation of the opportunity presented. If it's a good deal, then go with it; but if you have any doubts or feel as though you're getting in over your head, back off and look around for something not quite so ambitious, or perhaps expensive.
There are a lot of good franchise opportunities, and some not so good. It's important that you be sure of what you're investing in, and that you can make money with it. From there, preparing the proper business plan and the necessary financing, while not always a snap, can be done. Now's the time to do it! We wish you outstanding success with your franchise business.
Andrew Adams writes for http://www.magfranchise.org where you can find out more about franchising and other topics.
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When the average person sees one of these opportunities, or comes up with a similar idea of his own, the problems of start-up capital may seem formidable. But in reality, they may not be. In fact, just about anyone with a good credit record and an "insider's sense of business" can get the capital he or she needs, whenever it's needed. The secret is in knowing how to put together a proper proposal, and to present it to the right per son. These are the "how-to" instructions we're going to give you in this report.
The first thing you're going to need is a complete business plan. This is a complete and detailed description of exactly how you intend to operate the proposed business. Your business plan should detail precisely the product or products you plan to sell; how you're going to produce or manufacture the product; your costs (inventory costs if you're purchasing them from a supplier); who is going to sell those products for you; how they're going to be sold; the attendant costs; when you expect to recoup your initial investment; your plans for growth or expansion; and the total dollar amount you're going to need to make it all work according to your plan. Your business plan must be detailed - complete with projected income and expense figures - through at least the first three years of business.
Now, assuming you have your business plan all worked out, put together and ready for presentation with your request for capital, let's talk about your capitalization proposal.
First, keep in mind that whenever you ask somebody for money, whether it's for a small personal loan or a large amount of money to finance a business, you're involved in a selling situation. You have to prepare a "sales presentation" just as if you were getting ready to sell an automobile or refrigerator. Within this sales presentation you must have all the facts and figures; you must anticipate the questions and the possible objections of the prospective lender with answers or explanations; and you must "package" it as impressively as you would yourself for an audience with the president of IBM or General Motors.
The more money you ask for, the more "in-the-know" will be the people you want to borrow from, and so the more detailed and organized your proposal must be. This shouldn't cause you too much worry however, because you can hire a CPA to help you put it together properly, once you've got the facts and have a business plan he can work from. See Http://workathomecoop.com
Look at it this way: The more money you request for your business, the more your lenders or prospective investors are going to want to know about you, your planning, and your business. They want to be impressed with the fact that you've done your homework; they want to see that you've researched everything and documented your facts and figures; they want to be assured by your presentation that investing in your business will make money for them. It's just that simple at the bottom line. Unless you can instill confidence in them with your business plan and loan or investment proposal, they're just not going to give much positive thought to your request for capitalization.
So you'll need a balance sheet describing your net worth - the worth of what you own compared to the amount of money you owe. You'll also have to prove your stability and money-management talents relative to how successful you've been in paying off past obligations. If you have had credit problems in the past, get them "cleaned up", or at least explained on your file at your local credit bureau office. Under the law, credit bureaus are required to give you all the information they have about you in their files, and it's your right to correct any errors or enter explanations regarding negative reports on your credit. Do this without fail because prospective lenders or investors will definitely check your credit history.
So, now you have your balance sheet prepared; your credit history organized in a light that's favorable to you; your business plan (with costs and income projected over the coming three years), you're ready to start looking for lenders or investors.
Almost all franchisors offer help in setting up with one of their franchises. Most will go out of their way to assist you in getting the financing you need. Some will lend you the entire amount, with payments coming out of the income they expect you to make from their franchise operation. Many will carry this loan themselves, while others will carry part of it and find you a lender to finance the remainder.
Franchisors have two objectives in mind when they offer franchises to the public: They are trying to expand their operation, thus increasing their profit, and they are trying to raise capital for themselves. Generally speaking, if you have a good credit history, and if they feel you have the necessary business personality to achieve success with one of their operations, they'll do everything within their power to get you in a franchise outlet. Keep this in mind the next time you see an advertisement for a promising franchise opportunity requiring a substantial amount of cash outlay. You don't necessarily have to have all the money. They want you, and they'll help you!
Many people seem to be unaware that most of today's largest corporations started on a shoestring - on borrowed money. Many people seem to feel that unless they've got it all "in hand" in savings, then they'll just have to keep plugging away until they can save up enough to take the big plunge. Nothing could be farther from the truth. Just a quick bit of research will show that 999 out of every 1,000 businesses were begun on borrowed money.
Look to your family and friends for financial help. Approach them in a business-like manner; tell them about your idea or plans, and ask them for a loan. Agree to sign a formal statement to pay them back in three, five or ten years, with interest.
When you have your proposal assembled, you might even want to think of a limited partnership or even a general partnership arrangement as a way to finance your project. In any kind of partnership, each partner shares in the profits of the company, but in a limited partnership, each person's loss liability is limited to the amount of money he initially invested. The truth is, in this kind of a situation, you'll be doing all the work and sharing your gain with your partners, but then it's a fairly sure way to obtain needed financing.
Another common method of obtaining business financing is through second mortgage loans on a home or existing piece of property. Say you purchased a home ten years ago for $35,000, and today the assessed valuation is $85,000, with a mortgage of $25,000 still outstanding. A lender may consider your home to be security or collateral for a loan up to $60,000. In many instances, this is the easiest and surest way of getting the money needed for franchise or other business investment. And, it makes sense; you've got "net worth" available that is doing nothing but sitting there. Take this equity and invest it in a worthwhile business, and you could double or triple your net worth each year for the rest of your life.
Deciding to obtain a second mortgage on your home in order to finance a business opportunity is without doubt a major decision, but if you are sure about your investment project, and are determined to succeed, you owe it to yourself to go ahead. You could incorporate yourself, borrow money from your family through a second mortgage on your home, and protect against the loss of your home through the Federal Home stead Act. The important point here is that all business opportunities involve risk and sacrifice. It's up to you to determine the feasibility of your success with your proposed venture, then decide on the best way possible to proceed.
In every instance where you run into reluctance on the part of a lender to lend you the money you need, explore the feasibilities of "two-name" or "co-signed" loans. You can have the franchisor sign with you, or one of your suppliers, a business associate or even a friend. Oftentimes you can borrow or rent collateral such as stocks, bonds, time certificates, business equipment or real estate, and in this way give greater confidence to the lender in you r abilities to repay the loan. Whenever you can show a contract from someone who has agreed to purchase a certain number of your products or services over a specified period of time, you have another important piece of paper that most lenders will accept as collateral. Still an other possibility might be to get a bank or a firm that has loaned you money in the past to guarantee your loan. They simply guarantee that they'll lend you money in the future if ever the need should arise.
Going straight to you neighborhood bank, applying for a business loan and walking out with the money is just about the most unlikely of all your possibilities. Banks want to lend money, and they must lend money in order to stay in business, but most banks are notoriously conservative and extremely reluctant to lend you money unless you have a "regular income" that "guarantees" repayment. If and when you approach a bank for a business loan, you'll need all your papers in order - your financial statement, your business plan, credit history and all the endorsements you can get relative to your succeeding with your planned enterprise. In addition, it would be a good idea to take along your accountant just to assure the banker that your plan is verifiable. In the end, you'll find that it all boils down to whether or not the bank officer studying your application is sold on you as a good credit risk. Thus you must impress the banker - not only with your proposal, but with your appearance and personality as well. In dealing with bankers, never show an attitude of doubt or apology. Always be positive and sure of yourself. However, don't come on so strong to them that you're either demanding or overbearing. Just look good, know your stuff, and project an attitude of determination to succeed.
Your best bet, in attempting to get a business loan from a bank, is to deal with commercial banks. These are the banks that specialize in investment loans for going businesses, real estate construction, and even venture programs. Look in the yellow pages of your telephone or business directories; call and ask for an appointment with the manager; and then explore with him the possibilities of a loan for your project. One of the "nice things" about commercial banks is that even though they may not be able to approve a loan for your business ideas, they will almost always give you a list of names of business people who might be interested in looking over your proposal for investment purposes.
A lot of commercial banks stage investment lectures and seminars for the general public. If you find one that does, attend. You'll meet a lot of local business people, some of whom may be able to and interested in helping you with your business plans.
When you're looking for money to move on a business deal, it does not really matter where the money comes from, or how it all comes about. It's important that you get the money, and at terms that are suitable to you. Thus, don't overlook the possibilities of an advertisement for a lender or investor in your local papers. Place your ad as well in national publications reaching people looking for investments. Other avenues to seriously consider are foundations that offer grants, local dental and medical investment groups, legal investment groups, business associations, trust companies and other groups or organizations looking for tax shelters.
Basically, it isn't a good idea to go to a finance company or other commercial lender of this type for a business loan. The most obvious reason is the high interest rates you have to pay. These companies borrow money from larger money lenders, and then turn around and lend it to you at a higher interest rate than they pay. Herein lies the means by which they make money from granting loans to you. The more it costs them to provide the money for you, the more it's going to cost you to borrow their money. The only element in your favor when borrowing from one of these agencies is that most will generally lend you money against collateral other lenders just won't accept. Insurance companies, pension funds, and commercial paper houses are not too out of sight with their interest rates, but they generally will not even consider talking to you unless you're requesting $500,000 or more. They'll also pretty much require that your business proposal be backed by the best possible plan.
Finally, the bottom line is this: You must have a well-researched and detailed business plan; you must have all your documents and projections put together in an impressive presentation; and then, you will have to be the one who does the final selling of your proposal to the investor or lender. This means your appearance, personality and attitude, because - make no mistake about it - before anyone lends you any size able amount of money, they're going to want to take a close look at you personally before they hand over the money.
Actually, the different ways of financing a franchise opportunity are as many and varied as your own creativity. The sources of obtaining money are virtually limitless, and available to anyone with an idea.
One word of caution before you jump into any franchise purchase agreement: The price you pay to participate in a franchise operation is not always the total cost involved in getting the business off the ground. With some franchise operations, you may find other costs such as down payments on the purchase of property, building construction costs, remodeling or site improvements, equipment, fixtures, signs, advertising, and training. Virtually all franchise deals require that in addition to the purchase price or the license fee of the franchise, you're required to give a certain percentage of your gross business income to the franchisor, plus extra payments for promotion and administrative costs. Above all else, before you get involved in a franchise, or any business venture for that matter, make sure you've conducted a complete and thorough investigation of the opportunity presented. If it's a good deal, then go with it; but if you have any doubts or feel as though you're getting in over your head, back off and look around for something not quite so ambitious, or perhaps expensive.
There are a lot of good franchise opportunities, and some not so good. It's important that you be sure of what you're investing in, and that you can make money with it. From there, preparing the proper business plan and the necessary financing, while not always a snap, can be done. Now's the time to do it! We wish you outstanding success with your franchise business.
Andrew Adams writes for http://www.magfranchise.org where you can find out more about franchising and other topics.
Carousel Acres Pygmy Goats
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Debt Management, Budgeting and Financial Controls - Sticking to The Budget
The Basics
As I outlined in my previous article on budgeting (http://www.cars-and-money.co.uk/tips/debt-management/debt-management.html), setting the budget is relatively easy, sticking to the budget is the tough stuff.
It is a bit like going on a diet I suppose. The thing about being on a diet is you are always thinking about the things you cannot have rather than the things you can have. So it is not surprising that most people go off the rails when dieting - that cream cake was just too tempting this time.
In just the same way, if you have set a budget and put some cash in the bank to pay for it later, it will always be tempting to spend next month's money today i.e. to go off the rails. Sticking to budgets is hard when you have been loose with money to date, but you have to do it - there is no choice.
Think of it this way. If you stick to the budget, things will steadily get better; if you do not then things will quickly get a lot worse. It is one incentive at least.
The principle is outlined clearly by Mr Micawber in Charles Dickens David Copperfield:
if a man had twenty pounds a-year for his income, and spent nineteen pounds nineteen shillings and sixpence, he would be happy, but .. if he spent twenty pounds one he would be miserable
The quote is famous, what is not so famous is that having said this Micawber then borrows money off David Copperfield for a drink then gives him an IOU in his wifes name.
So just knowing what to do is not enough the principles have to be followed.
Planning for Success
The principle here is very simple: failure to plan is planning to fail.
Clearly, you can deduce from this, the one thing that blows the budget time and time again is thoughtless, or unplanned, shopping. If it is food shopping then going to the shop without a plan, without a pre-established list is a recipe for failure.
Recent reports have suggested that one in six people now discards more than 10 per cent of their average weekly groceries shopping because the goods are either past their sell-by date or are no longer fresh. Salad and fresh vegetables are the most likely items to be thrown away. This is of course the result of not thinking through your weekly purchases and planning to use what you buy before you need to throw it out.
For example, when putting together your weekly food shopping list, plan the list around daily meals for the coming week and involve everyone. If you live with a family, or just a partner, everyone implicated in the budget has to be involved. It then becomes much less of a fight and strangely enough can be a very positive experience being something that you can all do together - not to mention a subject of much heated debate.
You need to know the price of things in the shop. Do not buy on the basis of it looking nice, look at the price and assess the value for money: the value to you. Get to know the prices of things so you can estimate spending before you go in the shop.
The key is in fact value for money, this is not necessarily about buying the cheapest option it is about value to you and if buying two food items today reduces your overall spend over two weeks - then spend more today and buy two to save money for next week.
Enough about food shopping, I will be covering it again in a later article along with another on assessing the value of purchases.
Focussed Shopping (not grazing)
The other substantial risk to budget adherence is of course non food shopping. The advice here is simple - give it up. This is very much a man / woman thing. Men generally will not take too much persuading to give up shopping, for women however browsing in shopping malls is a pleasant pass time and a good opportunity to pick up some great bargains in the sales (because we are cutting back aren't we?).
Unfortunately the truth is that even the best bargain is expenditure nonetheless. If you have run up debt as a result of past spending sprees you may not need to spend money on clothes for at least a year. So don't! Buy what you 'need' only and go directly to the shop you need to buy it from, buy it, then leave the shop and the mall (if applicable).
Do Something Else
There are pastimes, other than shopping, which do not require expenditure and you should look them up - they will keep you occupied, stop you thinking about all of the things you do not have and save you a fortune.
I will be covering this in more detail in a later article, but consider this: if you live near the seaside (in the UK you are never more than 75 miles from the sea), taking the kids to the seaside for a picnic will cost next to nothing, but will keep the whole family occupied for a day. However, make sure you pre-plan the day and take everything you need with you, bought at supermarket prices - not at local tourist shop rates.
Review & Revise
Another general principle in all of this is to be constantly aware of the budget that has been set and to constantly review set figures and performance. If you have changed insurance providers to reduce costs make sure you review it again next time it comes up for renewal (normally every year). Equally gas and electric consumption can be reduced and you should resist the siren call of direct debit and standing orders. Sometimes discounts can be obtained by using direct debit and it is difficult to argue against that, but service providers (e.g. gas / electric) can make mistakes and with direct debits you then have to get the money back after they have made the mistake and the money is with them. Remember 9 tenths of the civil law is possession.
In particular, not using automatic payments will stop you going overdrawn by mistake and will make you focus every month on each individual item of expenditure and make you think about ways of reducing it further. Discuss this with your partner at least once a month and maintain a continual focus on your money and where it is going. An annoying and painful process I know, but one of the secrets of successfully sticking to your budget nonetheless.
Reward
This is all very miserable stuff really. It is like outlining a manifesto to be miserable, a new stoic philosophy along the lines of some of the more extreme religious philosophies. Spontaneity is spurned and it seems you will never be happy again. If it seems that way, then it will fail; you will fail.
Just going back to the diet analogy, the successful dieters set themselves short term targets and provide themselves with rewards when they hit those targets. They also have a long term objective they are working towards with a big reward in the end.
If you are dealing with debt, a long term target may be simply to be debt free. A worthy target with a wonderful reward in the end: perhaps you should sweeten the deal with an affordable holiday to celebrate what could be years of careful budgeting.
Equally you may be working towards a house purchase a mountain to climb for many people these days. You need to set yourself some success staging posts along the way.
For example, in dealing with the food budget problem, always aim to under spend on your target budget amount. Put at least some of the saving to one side. This under spend could now be used for trips to the pub etc. This will make you think twice about over indulging during a normal week as it will jeopardise a treat later in the week or (more likely) later in the month.
You can get a great deal of leverage from this by careful spending - that drink, meal or trip to the cinema will be so much sweeter when you have worked extra hard to earn it.
Better still make the reward some time off, or new clothes something with lasting value. You need to decide what will turn you on.
With respect to the long term objective, never lose sight of this. If it is a new house hang a picture of your ideal home on the wall or put a small picture above the TV to keep it fresh in your mind always.
Never forget your objective and last, but not least:
never ever give up.
For more tips on budgeting and financial management, see:
http://www.cars-and-money.co.uk/tips
For low cost vehicle loans and cheap cars see:
http://www.cash-drive.co.uk
Keith Wallis is a freelance writer on the subjects of debt management and personal finance in the UK.
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As I outlined in my previous article on budgeting (http://www.cars-and-money.co.uk/tips/debt-management/debt-management.html), setting the budget is relatively easy, sticking to the budget is the tough stuff.
It is a bit like going on a diet I suppose. The thing about being on a diet is you are always thinking about the things you cannot have rather than the things you can have. So it is not surprising that most people go off the rails when dieting - that cream cake was just too tempting this time.
In just the same way, if you have set a budget and put some cash in the bank to pay for it later, it will always be tempting to spend next month's money today i.e. to go off the rails. Sticking to budgets is hard when you have been loose with money to date, but you have to do it - there is no choice.
Think of it this way. If you stick to the budget, things will steadily get better; if you do not then things will quickly get a lot worse. It is one incentive at least.
The principle is outlined clearly by Mr Micawber in Charles Dickens David Copperfield:
if a man had twenty pounds a-year for his income, and spent nineteen pounds nineteen shillings and sixpence, he would be happy, but .. if he spent twenty pounds one he would be miserable
The quote is famous, what is not so famous is that having said this Micawber then borrows money off David Copperfield for a drink then gives him an IOU in his wifes name.
So just knowing what to do is not enough the principles have to be followed.
Planning for Success
The principle here is very simple: failure to plan is planning to fail.
Clearly, you can deduce from this, the one thing that blows the budget time and time again is thoughtless, or unplanned, shopping. If it is food shopping then going to the shop without a plan, without a pre-established list is a recipe for failure.
Recent reports have suggested that one in six people now discards more than 10 per cent of their average weekly groceries shopping because the goods are either past their sell-by date or are no longer fresh. Salad and fresh vegetables are the most likely items to be thrown away. This is of course the result of not thinking through your weekly purchases and planning to use what you buy before you need to throw it out.
For example, when putting together your weekly food shopping list, plan the list around daily meals for the coming week and involve everyone. If you live with a family, or just a partner, everyone implicated in the budget has to be involved. It then becomes much less of a fight and strangely enough can be a very positive experience being something that you can all do together - not to mention a subject of much heated debate.
You need to know the price of things in the shop. Do not buy on the basis of it looking nice, look at the price and assess the value for money: the value to you. Get to know the prices of things so you can estimate spending before you go in the shop.
The key is in fact value for money, this is not necessarily about buying the cheapest option it is about value to you and if buying two food items today reduces your overall spend over two weeks - then spend more today and buy two to save money for next week.
Enough about food shopping, I will be covering it again in a later article along with another on assessing the value of purchases.
Focussed Shopping (not grazing)
The other substantial risk to budget adherence is of course non food shopping. The advice here is simple - give it up. This is very much a man / woman thing. Men generally will not take too much persuading to give up shopping, for women however browsing in shopping malls is a pleasant pass time and a good opportunity to pick up some great bargains in the sales (because we are cutting back aren't we?).
Unfortunately the truth is that even the best bargain is expenditure nonetheless. If you have run up debt as a result of past spending sprees you may not need to spend money on clothes for at least a year. So don't! Buy what you 'need' only and go directly to the shop you need to buy it from, buy it, then leave the shop and the mall (if applicable).
Do Something Else
There are pastimes, other than shopping, which do not require expenditure and you should look them up - they will keep you occupied, stop you thinking about all of the things you do not have and save you a fortune.
I will be covering this in more detail in a later article, but consider this: if you live near the seaside (in the UK you are never more than 75 miles from the sea), taking the kids to the seaside for a picnic will cost next to nothing, but will keep the whole family occupied for a day. However, make sure you pre-plan the day and take everything you need with you, bought at supermarket prices - not at local tourist shop rates.
Review & Revise
Another general principle in all of this is to be constantly aware of the budget that has been set and to constantly review set figures and performance. If you have changed insurance providers to reduce costs make sure you review it again next time it comes up for renewal (normally every year). Equally gas and electric consumption can be reduced and you should resist the siren call of direct debit and standing orders. Sometimes discounts can be obtained by using direct debit and it is difficult to argue against that, but service providers (e.g. gas / electric) can make mistakes and with direct debits you then have to get the money back after they have made the mistake and the money is with them. Remember 9 tenths of the civil law is possession.
In particular, not using automatic payments will stop you going overdrawn by mistake and will make you focus every month on each individual item of expenditure and make you think about ways of reducing it further. Discuss this with your partner at least once a month and maintain a continual focus on your money and where it is going. An annoying and painful process I know, but one of the secrets of successfully sticking to your budget nonetheless.
Reward
This is all very miserable stuff really. It is like outlining a manifesto to be miserable, a new stoic philosophy along the lines of some of the more extreme religious philosophies. Spontaneity is spurned and it seems you will never be happy again. If it seems that way, then it will fail; you will fail.
Just going back to the diet analogy, the successful dieters set themselves short term targets and provide themselves with rewards when they hit those targets. They also have a long term objective they are working towards with a big reward in the end.
If you are dealing with debt, a long term target may be simply to be debt free. A worthy target with a wonderful reward in the end: perhaps you should sweeten the deal with an affordable holiday to celebrate what could be years of careful budgeting.
Equally you may be working towards a house purchase a mountain to climb for many people these days. You need to set yourself some success staging posts along the way.
For example, in dealing with the food budget problem, always aim to under spend on your target budget amount. Put at least some of the saving to one side. This under spend could now be used for trips to the pub etc. This will make you think twice about over indulging during a normal week as it will jeopardise a treat later in the week or (more likely) later in the month.
You can get a great deal of leverage from this by careful spending - that drink, meal or trip to the cinema will be so much sweeter when you have worked extra hard to earn it.
Better still make the reward some time off, or new clothes something with lasting value. You need to decide what will turn you on.
With respect to the long term objective, never lose sight of this. If it is a new house hang a picture of your ideal home on the wall or put a small picture above the TV to keep it fresh in your mind always.
Never forget your objective and last, but not least:
never ever give up.
For more tips on budgeting and financial management, see:
http://www.cars-and-money.co.uk/tips
For low cost vehicle loans and cheap cars see:
http://www.cash-drive.co.uk
Keith Wallis is a freelance writer on the subjects of debt management and personal finance in the UK.
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Cristiano Ronaldo Biography
Cristiano Ronaldo Biography Foreword
There aren't a lot of soccer players in the world today that can honestly state they are more popular than Cristiano Ronaldo. Except for a few already established super stars such as Ronaldinho or David Beckham, Cristiano Ronaldo is probably the most popular rising star on the pitch.
His good looks combined with his awesome repertoire of Cristiano Ronaldo soccer tricks and a hint of trademarked Cristiano Ronaldo goals made him reach the level of fame on which he is basking in the spotlight sun today.
This Cristiano Ronaldo biography will try to take you through his career and although it's a rare case that a player who is still in his early 20s receives a biography, I'm sure you'll agree that a Cristiano Ronaldo profile is in order, considering his huge talent and fame.
Cristiano Ronaldo Biography Youth Clubs
Born in Madeira to a family where soccer was cherished, Cristiano Ronaldo started playing for a local amateur youth team called Andorinha, where his father handled the equipment and acted as a kit man.
Cristiano was 8 when he joined Andorinha and by the time he was 10, he already sparked the curiosity of some of Portugal's biggest clubs. This led him to sign for the local first-division team CD Nacional, where he would join the youth club and immediately make an impact, helping his team win the youth championship the following year.
After just 1 year at Nacional, he was offered a youth contract by bigwigs Sporting Lisbon, who are internationally renowned for having one of the best youth training facilities in the World.
The young player fit right in at Sporting and started scoring regularly, although he was way too fond on his dribble at that point. Despite this short coming, he was taken in to various levels of the Portugal national youth squad, finally getting his big break at the UEFA under 17 Championship in 2001.
His great performance there drew the eyes of Liverpool's scouts, but Ronaldo was just 16 years old and the Liverpool officials decided he needs more time in the Portuguese league before they sign him.
Cristiano Ronaldo Biography Sporting Lisbon
Being taken in the senior squad of Sporting meant the young player's first contact with professional football. Although he didn't play regularly, the few moments that he did get on the pitch were greeted with cheers from the Sporting fans, who loved Cristiano Ronaldo's soccer tricks. In 2 seasons with Sporting's senior squad, Ronaldo got to play 28 matches, scoring 3 times before he was picked up by Manchester United's scouts, at age 18.
Cristiano Ronaldo Biography Manchester United
Sir Alex Ferguson, manager and coach of Manchester United desperately needed a quality right midfielder in 2003, as David Beckham had just left the club for Real Madrid.
Bringing an 18-year old Portuguese player to replace an international super-star like Beckham didn't seem like a good idea at first, but from his first season Cristiano Ronaldo's goals proved decisive and he quickly gained the love of the Red Devils' fans.
In his following seasons at Manchester, with more and more trust coming from Sir Alex Ferguson and the team's fans, Cristiano Ronaldo developed into an extraordinary player that is now feared by even the sturdiest defenders out there.
Despite the fact that he is just 22 years of age right now, Cristiano Ronaldo already has 208 professional matches and 53 goals (190 matches and 50 goals for Manchester, the others for Sporting) and 46 caps in the national squad, with a tally of 17 goals for Portugal. Impressive stats for such a youngster.
The best part is that with each passing year Cristiano Ronaldo improves his game even further, so don't be surprised if in a couple of years he steps up to become the greatest footballer in activity.
Niv Orlian is the author and the owner of http://www.soccer-fans-info.com a website that provides information on various topics related to soccer such as the history of soccer, rules, famous soccer players, real time news, statistics, and training guides.
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There aren't a lot of soccer players in the world today that can honestly state they are more popular than Cristiano Ronaldo. Except for a few already established super stars such as Ronaldinho or David Beckham, Cristiano Ronaldo is probably the most popular rising star on the pitch.
His good looks combined with his awesome repertoire of Cristiano Ronaldo soccer tricks and a hint of trademarked Cristiano Ronaldo goals made him reach the level of fame on which he is basking in the spotlight sun today.
This Cristiano Ronaldo biography will try to take you through his career and although it's a rare case that a player who is still in his early 20s receives a biography, I'm sure you'll agree that a Cristiano Ronaldo profile is in order, considering his huge talent and fame.
Cristiano Ronaldo Biography Youth Clubs
Born in Madeira to a family where soccer was cherished, Cristiano Ronaldo started playing for a local amateur youth team called Andorinha, where his father handled the equipment and acted as a kit man.
Cristiano was 8 when he joined Andorinha and by the time he was 10, he already sparked the curiosity of some of Portugal's biggest clubs. This led him to sign for the local first-division team CD Nacional, where he would join the youth club and immediately make an impact, helping his team win the youth championship the following year.
After just 1 year at Nacional, he was offered a youth contract by bigwigs Sporting Lisbon, who are internationally renowned for having one of the best youth training facilities in the World.
The young player fit right in at Sporting and started scoring regularly, although he was way too fond on his dribble at that point. Despite this short coming, he was taken in to various levels of the Portugal national youth squad, finally getting his big break at the UEFA under 17 Championship in 2001.
His great performance there drew the eyes of Liverpool's scouts, but Ronaldo was just 16 years old and the Liverpool officials decided he needs more time in the Portuguese league before they sign him.
Cristiano Ronaldo Biography Sporting Lisbon
Being taken in the senior squad of Sporting meant the young player's first contact with professional football. Although he didn't play regularly, the few moments that he did get on the pitch were greeted with cheers from the Sporting fans, who loved Cristiano Ronaldo's soccer tricks. In 2 seasons with Sporting's senior squad, Ronaldo got to play 28 matches, scoring 3 times before he was picked up by Manchester United's scouts, at age 18.
Cristiano Ronaldo Biography Manchester United
Sir Alex Ferguson, manager and coach of Manchester United desperately needed a quality right midfielder in 2003, as David Beckham had just left the club for Real Madrid.
Bringing an 18-year old Portuguese player to replace an international super-star like Beckham didn't seem like a good idea at first, but from his first season Cristiano Ronaldo's goals proved decisive and he quickly gained the love of the Red Devils' fans.
In his following seasons at Manchester, with more and more trust coming from Sir Alex Ferguson and the team's fans, Cristiano Ronaldo developed into an extraordinary player that is now feared by even the sturdiest defenders out there.
Despite the fact that he is just 22 years of age right now, Cristiano Ronaldo already has 208 professional matches and 53 goals (190 matches and 50 goals for Manchester, the others for Sporting) and 46 caps in the national squad, with a tally of 17 goals for Portugal. Impressive stats for such a youngster.
The best part is that with each passing year Cristiano Ronaldo improves his game even further, so don't be surprised if in a couple of years he steps up to become the greatest footballer in activity.
Niv Orlian is the author and the owner of http://www.soccer-fans-info.com a website that provides information on various topics related to soccer such as the history of soccer, rules, famous soccer players, real time news, statistics, and training guides.
Tam User Password Settings
Baseball Bat Review
Drip Investing
Wiggles Christmas Gift Tags To Print
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Nasa Landsat
Bratz Babys Printable Coloring Pages
Atlas Loot And Wow
Get Your Dog To Listen to You - Start Obedience Training
Dog obedience training is important for every dog owner who wants to own, live and enjoy the company of an obedience dog. Obedience training not only allows your dog to listen and behave in the manner that is expected of him, it creates a bond that bring your communication and relationship to new heights.
Do train your dog early and a good time to begin training your dog is when he is about 8 to 10 weeks old. This is the period where they learn best and is a vital time for influencing your dog's future behavior. It's definitely easier to train a pup when compare to an older dog. Nevertheless, it's still possible to train older dogs, you just have to correct his bad habits first and then teach him the proper ones.
There are many incidents where owners abandon their dogs at shelters because they cannot understand what their dog is up to. Dogs will start to display annoying behaviors such as chewing, barking and potty when and where they like, the worse case would be to display aggressive behavior towards the owners.
These incidents can be avoided if obedience training is implemented. Obedience training is a fundamental platform from which your dog and you will learn to effectively communicate with each other.
On top of that, obedience training can help to instill discipline in misbehaved dogs. It is one way of incorporating discipline in the dog's behavior. Obedience training makes the dog realize that certain behaviors are not allowed and that he should not act that way. Done correctly, obedience training can regulate your dog's behavior and he will be able to respond properly with the right behavior that is expected of him.
There are many dog owners who ask if it is advisable to enroll their dogs into obedience training school. In most cases, it can be much easier to have a professional trainer or an obedience school to teach both owner and his dog the proper way to follow a command. Nevertheless, if the dog owner feels that he is up to the job and has the ability to follow simple instructions, there is no special incentives or need to enroll into a dog training school. A helpful dog training guide is generally more than enough.
No matter where you choose to train your dog, at home or in a school, there are some universal dog training principles that never change and all dog owners should follow them strictly:
1. Fun and Reward - Effective obedience training is not about imposing strict rules and punishments. Your dog does not understand why he should listen to your commands in the first place. Therefore, in order for your dog to act and behave to what you want, the training session must be fun and rewarding for him.
Your dog will soon learn to do as he is commanded whenever he gets rewards or praises and he will find it an enjoyable experience as well.
2. Consistency - It is important to have consistency in the course of training especially when correcting unwanted behaviors. Always use the same "command" for a specific task you require of your dog. Don't confuse him by using different commands for the same task.
The minute you set the house rules for your dog, like keeping the bed or bed room out of bounds, stick to them constantly. If the dog learns that he can get away with breaking these rules now and then, your previous efforts will go down the drain.
Simple rules and regulations set earlier on should be followed religiously. It is extremely important to teach the dog what he can and cannot do and stick to it consistently. Confusion will only make matters worse. Last but not least, you have to communicate and make sure the whole family knows and enforce the house rules on your dog consistently.
3. Timing - Knowing when to correct behavior is essential. Praise your dog whenever he is doing something right. Offering your dog a small treat as a reward will work like magic for most dogs.
Do take him to task immediately whenever he does not respond to your command or behaves inappropriately. Delayed reprimands and praises will have no effect after the teachable moment has passed.
There are 2 main approaches when it comes to correcting your dog's undesirable behaviors. The first approach is the "Direct Approach". It simply requires you to reprimand your dog on the spot whenever he misbehaves chewing, barking, digging and biting. This is a more tangible and straight forward approach to training your dog and is easy to understand for most trainers.
The second one is the "Endurance Approach" as it'll require you to ignore your dog when he misbehaves. Using the cause and effect to your advantage, this approach requires you to ignore the dog, especially when he behaves in a certain manner to seek attention.
This method works best by giving your dog attention whenever he is behaving. The rationale for this is that dogs desire attention and will be encouraged by attention. Unlike man, dogs do not know how to differentiate between positive and negative attention. They see things in a simple way. Whenever an action gets attention and a reaction from you, you will find that your dog will repeat the action again - cause and effect.
Sorry to say, most dog owners tend to give negative attention to our dogs. For example: Do you let him out of his crate when he groans or do you give him more attention when he jumps onto you excitedly whenever you comes home? These are considered to be giving him negative attention, and only seek to motivate your dog to continue with his bad behavior.
Luckily, the opposite is true if you can learn to give your dog attention when he behaves well. The moment your dog sees that good behavior brings about attention, he will want to continue repeating the positive actions.
What you should do is to focus your attention on your dog only when he is behaving; praise him or give him a treat, let him know that he's getting the attention. If this technique is used correctly, he'll be a well-behaved dog for a long time to come.
4. Training Session - You should be in a calm and correct frame of mind when training your dog. Don't train your dog when you are under the influence of alcohol or drugs or if you've had a bad day and not in the best of moods.
It's recommended to locate and train at a place where there is little distraction around him so that he can concentrate on training. You should take it slowly when you first begin training, this is especially true for young pups. You should not train a young puppy continuously for more than five minutes and limit the training session for older dogs to less than fifteen minutes. They will not have the mental stamina to concentrate on training. It's recommended to pause for short breaks in between training session.
Whenever possible, you should plan the training session to your benefit. One of the best time to start training your dog is before meal time when he is hungry; he will be mentally more alert and response better to treat rewards.
Training your dog is not a difficult task: once you get the hang of it, the rest will follow naturally. Every dog owner has the right to own, live and enjoy the company of an obedience dog - Start to train your dog today.
Moses Wright is a an experience dog lover with 3 beautiful dogs. He created a web site to help fellow dog owners stop their dog behavior problems. You can get a free copy of his book filled with easy-to-use yet effective tips here: http://www.dogsobediencetraining.com/dogger_enews.htm
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Do train your dog early and a good time to begin training your dog is when he is about 8 to 10 weeks old. This is the period where they learn best and is a vital time for influencing your dog's future behavior. It's definitely easier to train a pup when compare to an older dog. Nevertheless, it's still possible to train older dogs, you just have to correct his bad habits first and then teach him the proper ones.
There are many incidents where owners abandon their dogs at shelters because they cannot understand what their dog is up to. Dogs will start to display annoying behaviors such as chewing, barking and potty when and where they like, the worse case would be to display aggressive behavior towards the owners.
These incidents can be avoided if obedience training is implemented. Obedience training is a fundamental platform from which your dog and you will learn to effectively communicate with each other.
On top of that, obedience training can help to instill discipline in misbehaved dogs. It is one way of incorporating discipline in the dog's behavior. Obedience training makes the dog realize that certain behaviors are not allowed and that he should not act that way. Done correctly, obedience training can regulate your dog's behavior and he will be able to respond properly with the right behavior that is expected of him.
There are many dog owners who ask if it is advisable to enroll their dogs into obedience training school. In most cases, it can be much easier to have a professional trainer or an obedience school to teach both owner and his dog the proper way to follow a command. Nevertheless, if the dog owner feels that he is up to the job and has the ability to follow simple instructions, there is no special incentives or need to enroll into a dog training school. A helpful dog training guide is generally more than enough.
No matter where you choose to train your dog, at home or in a school, there are some universal dog training principles that never change and all dog owners should follow them strictly:
1. Fun and Reward - Effective obedience training is not about imposing strict rules and punishments. Your dog does not understand why he should listen to your commands in the first place. Therefore, in order for your dog to act and behave to what you want, the training session must be fun and rewarding for him.
Your dog will soon learn to do as he is commanded whenever he gets rewards or praises and he will find it an enjoyable experience as well.
2. Consistency - It is important to have consistency in the course of training especially when correcting unwanted behaviors. Always use the same "command" for a specific task you require of your dog. Don't confuse him by using different commands for the same task.
The minute you set the house rules for your dog, like keeping the bed or bed room out of bounds, stick to them constantly. If the dog learns that he can get away with breaking these rules now and then, your previous efforts will go down the drain.
Simple rules and regulations set earlier on should be followed religiously. It is extremely important to teach the dog what he can and cannot do and stick to it consistently. Confusion will only make matters worse. Last but not least, you have to communicate and make sure the whole family knows and enforce the house rules on your dog consistently.
3. Timing - Knowing when to correct behavior is essential. Praise your dog whenever he is doing something right. Offering your dog a small treat as a reward will work like magic for most dogs.
Do take him to task immediately whenever he does not respond to your command or behaves inappropriately. Delayed reprimands and praises will have no effect after the teachable moment has passed.
There are 2 main approaches when it comes to correcting your dog's undesirable behaviors. The first approach is the "Direct Approach". It simply requires you to reprimand your dog on the spot whenever he misbehaves chewing, barking, digging and biting. This is a more tangible and straight forward approach to training your dog and is easy to understand for most trainers.
The second one is the "Endurance Approach" as it'll require you to ignore your dog when he misbehaves. Using the cause and effect to your advantage, this approach requires you to ignore the dog, especially when he behaves in a certain manner to seek attention.
This method works best by giving your dog attention whenever he is behaving. The rationale for this is that dogs desire attention and will be encouraged by attention. Unlike man, dogs do not know how to differentiate between positive and negative attention. They see things in a simple way. Whenever an action gets attention and a reaction from you, you will find that your dog will repeat the action again - cause and effect.
Sorry to say, most dog owners tend to give negative attention to our dogs. For example: Do you let him out of his crate when he groans or do you give him more attention when he jumps onto you excitedly whenever you comes home? These are considered to be giving him negative attention, and only seek to motivate your dog to continue with his bad behavior.
Luckily, the opposite is true if you can learn to give your dog attention when he behaves well. The moment your dog sees that good behavior brings about attention, he will want to continue repeating the positive actions.
What you should do is to focus your attention on your dog only when he is behaving; praise him or give him a treat, let him know that he's getting the attention. If this technique is used correctly, he'll be a well-behaved dog for a long time to come.
4. Training Session - You should be in a calm and correct frame of mind when training your dog. Don't train your dog when you are under the influence of alcohol or drugs or if you've had a bad day and not in the best of moods.
It's recommended to locate and train at a place where there is little distraction around him so that he can concentrate on training. You should take it slowly when you first begin training, this is especially true for young pups. You should not train a young puppy continuously for more than five minutes and limit the training session for older dogs to less than fifteen minutes. They will not have the mental stamina to concentrate on training. It's recommended to pause for short breaks in between training session.
Whenever possible, you should plan the training session to your benefit. One of the best time to start training your dog is before meal time when he is hungry; he will be mentally more alert and response better to treat rewards.
Training your dog is not a difficult task: once you get the hang of it, the rest will follow naturally. Every dog owner has the right to own, live and enjoy the company of an obedience dog - Start to train your dog today.
Moses Wright is a an experience dog lover with 3 beautiful dogs. He created a web site to help fellow dog owners stop their dog behavior problems. You can get a free copy of his book filled with easy-to-use yet effective tips here: http://www.dogsobediencetraining.com/dogger_enews.htm
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The Kodiak Bear
Early May on Kodiak Island. Fog drowns the lush forest in mystery. Spattered across a black earthen floor, slushy snow melts in shadowy rings. From a wooded den, a shaggy brown head appears. Unbelievable in size, the creature emerges slowly. Ursus arctos middendorffi, Alaskas Kodiak Bear, awakes from her long winters nap. She's not alone. Snuggled close to her massive front paws sit two cubs, the size of stuffed Teddy bears. Together they weigh only twenty pounds, and are hardly noticeable in comparison to their 500 pound mother. Though large, the sow is lean, for she has lost 30% of her body weight over the winter. Giving birth, nursing, and caring for her young has taken its toll, and now is the season for eating. One at a time, she carries her cubs in her jaw out of the den and sets them rolling on the forest floor.
Kodiak Island is sometimes called Alaskas Emerald Isle. With knobby mountains, countless waterfalls, finger lakes, and deep narrow inlets, it could well be called Neverland, for it is the place of fantasy. After Hawaii, it is the second largest island in the United States, 3,800 square miles largely devoted to the vast National Wildlife Refuge. With 117 salmon streams, 14 major watersheds, and less than 100 miles of road, it is the perfect place for the Kodiak Bear.
Kodiak Bears have existed on this island for 12,000 years. With their stream-lined noses and larger bone structurethey are the worlds largest bearKodiaks are the only scientifically recognized sub-species of the Brown Bear. Separated as they are from the continent, Kodiaks have a smaller gene pool. But this is not the only difference. Other bears, grizzlies and browns, require one or two hundred miles for survival, taking their food requirement into account. Here on Kodiak Island, where food is abundant, the population of bears is denser than anywhere else on earth. There are 0.7 bears per square mile, a total population of close to 3,000 bears on Kodiak and the surrounding archipelagos. Due to their close proximity, these bruins have developed a more diverse social structure, with large boars and sows with cubs vying for dominance. Single subadults, aged 3 to 5 years take up the bottom rungs of the hierarchy.
For good reason bears capture the interest and hearts of many. Bear watchers, who keep a proper distance, sometimes term these creatures gentle giants. Adult boars stand up to ten feet tall and weigh between 750 and 1,500 pounds. (Females are considerably smaller at 350-750 pounds.) They live fascinating lives, and are as unique and unpredictable as humans. Weighing less than one pound, hairless, blind, and toothless, cubs enter life almost as helpless as human babies. One to three cubs is born in each litter, although sows have been spotted with up to five cubs. Litter size largely depends on the health of the mother and food availability. By the end of their first year of life cubs weigh up to 80 pounds. For two to four years cubs remain with their mothers, who teach them the skills needed for survival before chasing them off.
No skill is more important to a Kodiak than eating, and this activity takes up most of its waking hours. Although classified as a carnivore, bears are actually omnivorous, and eat everything from grasses and berries to fish and carrion. Eating patterns maximize nutritional content. Emerging from their dens as early as March, bears will eat grass and sedges in the spring when they grow most abundantly. They feast on fish when the salmon run begins in the summer. These months are crucial as bears must gain three to six pounds of fat per day to survive hibernation. This is the time to catch a glimpse of the bear in the wild, as they will compete over the best fishing spots along a stream. As the salmon supply dwindles, bears turn their attention to berries, which are at their peak as autumn approaches. If the food supply has not been adequate, a bear may not hibernate.
At about five or six years old, female Kodiaks begin breeding. Bears are serially monogamous, and boars will sometimes fight over a mate, sometimes causing serious injuries. Mating season peaks in June, although embryo implantation will not occur until the impregnated sow is denned in November. Only if she has gained the necessary weight for hibernation will the embryo implant and the eight week gestation begin.
In response to the winter food shortage, bears hibernate through the winter months. During this time they will not eat, urinate, or defecate. Astonishingly, they lose very little bone mass or muscle tone. But hibernating bears are not unconscious. Although their body temperatures drop close to the surrounding temperature, bears metabolic rates remain high. They curl up to conserve heat, and may change their positions in their dens. Aroused, bears may even attack, although this is very rare. Only one person has been killed by a Kodiak Bear in the last 75 years. Bear-caused injuries occur about one every other year on the island.
Although they are the largest predator on the earth, bears are normally shy and not aggressive toward humans unless provoked or afraid. With their slot secure at the top of the food chain, the Kodiaks only natural enemy is man. Hunting on Kodiak Island is only allowed under the tightest of regulations. About 5,000 resident hunters apply per year for one of the 319 bear permits. Non-residents are required to hire a professional guide, an expense between $10K-$15K per hunt. 160 Kodiak bears are killed each season, with 70% of them males. Otherwise, Kodiak Bears enjoy relatively long lives between 20 and 30 years.
It is not uncommon to hear a bear watcher speak of their quarry as if they are family. These outdoorsmen may track a sow and her cubs for years, and may even give them names. Some consider bears our cousins, and certainly there is a kinship. Perhaps it started when we squeezed our first Teddy Bear.
Emma Snow has always adored wild animals. Emma provides content for Wildlife Animals http://www.wildlife-animals.com and Riding Stable http://www.riding-stable.com.
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Kodiak Island is sometimes called Alaskas Emerald Isle. With knobby mountains, countless waterfalls, finger lakes, and deep narrow inlets, it could well be called Neverland, for it is the place of fantasy. After Hawaii, it is the second largest island in the United States, 3,800 square miles largely devoted to the vast National Wildlife Refuge. With 117 salmon streams, 14 major watersheds, and less than 100 miles of road, it is the perfect place for the Kodiak Bear.
Kodiak Bears have existed on this island for 12,000 years. With their stream-lined noses and larger bone structurethey are the worlds largest bearKodiaks are the only scientifically recognized sub-species of the Brown Bear. Separated as they are from the continent, Kodiaks have a smaller gene pool. But this is not the only difference. Other bears, grizzlies and browns, require one or two hundred miles for survival, taking their food requirement into account. Here on Kodiak Island, where food is abundant, the population of bears is denser than anywhere else on earth. There are 0.7 bears per square mile, a total population of close to 3,000 bears on Kodiak and the surrounding archipelagos. Due to their close proximity, these bruins have developed a more diverse social structure, with large boars and sows with cubs vying for dominance. Single subadults, aged 3 to 5 years take up the bottom rungs of the hierarchy.
For good reason bears capture the interest and hearts of many. Bear watchers, who keep a proper distance, sometimes term these creatures gentle giants. Adult boars stand up to ten feet tall and weigh between 750 and 1,500 pounds. (Females are considerably smaller at 350-750 pounds.) They live fascinating lives, and are as unique and unpredictable as humans. Weighing less than one pound, hairless, blind, and toothless, cubs enter life almost as helpless as human babies. One to three cubs is born in each litter, although sows have been spotted with up to five cubs. Litter size largely depends on the health of the mother and food availability. By the end of their first year of life cubs weigh up to 80 pounds. For two to four years cubs remain with their mothers, who teach them the skills needed for survival before chasing them off.
No skill is more important to a Kodiak than eating, and this activity takes up most of its waking hours. Although classified as a carnivore, bears are actually omnivorous, and eat everything from grasses and berries to fish and carrion. Eating patterns maximize nutritional content. Emerging from their dens as early as March, bears will eat grass and sedges in the spring when they grow most abundantly. They feast on fish when the salmon run begins in the summer. These months are crucial as bears must gain three to six pounds of fat per day to survive hibernation. This is the time to catch a glimpse of the bear in the wild, as they will compete over the best fishing spots along a stream. As the salmon supply dwindles, bears turn their attention to berries, which are at their peak as autumn approaches. If the food supply has not been adequate, a bear may not hibernate.
At about five or six years old, female Kodiaks begin breeding. Bears are serially monogamous, and boars will sometimes fight over a mate, sometimes causing serious injuries. Mating season peaks in June, although embryo implantation will not occur until the impregnated sow is denned in November. Only if she has gained the necessary weight for hibernation will the embryo implant and the eight week gestation begin.
In response to the winter food shortage, bears hibernate through the winter months. During this time they will not eat, urinate, or defecate. Astonishingly, they lose very little bone mass or muscle tone. But hibernating bears are not unconscious. Although their body temperatures drop close to the surrounding temperature, bears metabolic rates remain high. They curl up to conserve heat, and may change their positions in their dens. Aroused, bears may even attack, although this is very rare. Only one person has been killed by a Kodiak Bear in the last 75 years. Bear-caused injuries occur about one every other year on the island.
Although they are the largest predator on the earth, bears are normally shy and not aggressive toward humans unless provoked or afraid. With their slot secure at the top of the food chain, the Kodiaks only natural enemy is man. Hunting on Kodiak Island is only allowed under the tightest of regulations. About 5,000 resident hunters apply per year for one of the 319 bear permits. Non-residents are required to hire a professional guide, an expense between $10K-$15K per hunt. 160 Kodiak bears are killed each season, with 70% of them males. Otherwise, Kodiak Bears enjoy relatively long lives between 20 and 30 years.
It is not uncommon to hear a bear watcher speak of their quarry as if they are family. These outdoorsmen may track a sow and her cubs for years, and may even give them names. Some consider bears our cousins, and certainly there is a kinship. Perhaps it started when we squeezed our first Teddy Bear.
Emma Snow has always adored wild animals. Emma provides content for Wildlife Animals http://www.wildlife-animals.com and Riding Stable http://www.riding-stable.com.
Wow Mining Guide
Nasa Tempur
Cleo Zanetra
Hard Drvive Lag In Wow
Cheap Baseball Bat
Nashville Tenn Time Zone
Nightseye Wow
Gordon West
Recording Video From Wow With Pc
That Kind Of Girl Lyricks
E-Commerce - Easy Money Or Commitment And Sacrifice
When my wife and I got into the WWW. E-commerce world, we had visions of easy money and an auto pilot type of business. You know the kind that runs itself and the money just rolls in. Oh yeah, low start-up cost, little time, and low commitment. Just read the commercials and Internet ads.
The Internet can be your friend or it can bite you like a scared dog. Try researching, starting an Internet business. You will find every easy money method in the world. Here is a list of things to consider and these things are just the surface. This is not meant to scare you but to inform you of the reality, before you fall into the money pit. Just remember you have to give before you receive and sometimes we learn from the pain.
Websites necessities or basics:
Host/Server to store all your files and images. E-mail and other perks. $8 to $12 month
Purchase your domain www.mysite.com $8 to $???
Merchant/Credit Card service Credit Card processing. This is a low price. $25Month, $15 service charge, and 30 cents per transaction and 2.5% of sales. (OUCH!)
Paypal You can use Paypal for your payment option. Its free. I dont use it. Nothing is free.
Rent a ready-made store - Now you can go with a company who will host your site and provide a storefront for you. They will even give you products to sell. These are usually database type and provide no SEO. In other words, the only people who purchase from your site are your friends and family. No one can find your site in the Internet desert. You're on page 200 (if lucky). They run from $40 to $200 month.
Find a wholesaler? No problem, everyone is a wholesaler. What do you want to sell? Leather, Home Dcor, Knives and Swords, Collectibles or maybe Kitchen cookware?
Where are the real wholesalers? The ones they buy from. There are many scams and scam tools for sale out there. Now try ordering from them. Late? Back Ordered? Packing? Drop ship costs? Shipping & Handling Costs? Drop ship or Inventory? Taxes???
Build your site - There are many templates out there that look good but if you dont know how to program HTML forget it. You will probably buy a book or software that shows us dummies that we can create HTML websites without having to know HTML. On the outside it looks good, but on the inside they stink. How are you going to find the time and keep up with the latest in this "part time business"? Search Engine robots don't like bad programming among other things.
Gather Information - Now that you have a wholesaler, download all the prices and images. Create your spreadsheets to upload all the product information (change them to CSV or some delimited format. Or you may have to do this one at a time Ahhh!
Fix the images - Adjust the resolution, size, etc. to fit your WebPages. Get the right software to do thisIt will save you days of work and cost. I hope you get this done before the prices change or the item is discontinued. Remember that if you have more than one wholesaler, you have more than one tax and drop ship charge. You also have different information and images. They could be in other formats.
My wife and I thought an Internet Shopping Mall would be so cool. We could have different stores, oh boyThats where the name MallAboutTown.com came from. Oh yeah. Now you have to have a logo and a theme and all the right colors and, and, and.
It's kinda like building a house.
SEO (Search Engine Optimization) - You should have been thinking about this from the start. Buy links, buy PPC (Pay Per Click) advertising, buy search engine submissions, buy content, submit articles and link to directories and other Websites, read, read, read and determine who is telling the truth.
After all the smoke clears, you will be in the hole a few bucks. When that first sale comes in you will feel like that golfer getting a hole in one. Then you're back at it, harder than ever. Its an addiction. I guess it could be described as the spouse that wont leave an abused relationship. Like any business, Internet business is not for the short-term commitment. There is so much I had to leave out because many things depend on what direction you take on this journey. Good Luck, remember if its too good to be true..
Our advice is to personally talk to someone that is successfully operating E-commerce site, (not on E-bay) and get the facts. This is what made E-bay so popular. But even E-bay can be tough.
Good Luck,
Marc and Kemella Allyn
http://www.mallabouttown.com
Marc and Kem own http://www.mallabouttown.com and http://www.allaboutthecross.com bring their personal experience for your use.
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The Internet can be your friend or it can bite you like a scared dog. Try researching, starting an Internet business. You will find every easy money method in the world. Here is a list of things to consider and these things are just the surface. This is not meant to scare you but to inform you of the reality, before you fall into the money pit. Just remember you have to give before you receive and sometimes we learn from the pain.
Websites necessities or basics:
Host/Server to store all your files and images. E-mail and other perks. $8 to $12 month
Purchase your domain www.mysite.com $8 to $???
Merchant/Credit Card service Credit Card processing. This is a low price. $25Month, $15 service charge, and 30 cents per transaction and 2.5% of sales. (OUCH!)
Paypal You can use Paypal for your payment option. Its free. I dont use it. Nothing is free.
Rent a ready-made store - Now you can go with a company who will host your site and provide a storefront for you. They will even give you products to sell. These are usually database type and provide no SEO. In other words, the only people who purchase from your site are your friends and family. No one can find your site in the Internet desert. You're on page 200 (if lucky). They run from $40 to $200 month.
Find a wholesaler? No problem, everyone is a wholesaler. What do you want to sell? Leather, Home Dcor, Knives and Swords, Collectibles or maybe Kitchen cookware?
Where are the real wholesalers? The ones they buy from. There are many scams and scam tools for sale out there. Now try ordering from them. Late? Back Ordered? Packing? Drop ship costs? Shipping & Handling Costs? Drop ship or Inventory? Taxes???
Build your site - There are many templates out there that look good but if you dont know how to program HTML forget it. You will probably buy a book or software that shows us dummies that we can create HTML websites without having to know HTML. On the outside it looks good, but on the inside they stink. How are you going to find the time and keep up with the latest in this "part time business"? Search Engine robots don't like bad programming among other things.
Gather Information - Now that you have a wholesaler, download all the prices and images. Create your spreadsheets to upload all the product information (change them to CSV or some delimited format. Or you may have to do this one at a time Ahhh!
Fix the images - Adjust the resolution, size, etc. to fit your WebPages. Get the right software to do thisIt will save you days of work and cost. I hope you get this done before the prices change or the item is discontinued. Remember that if you have more than one wholesaler, you have more than one tax and drop ship charge. You also have different information and images. They could be in other formats.
My wife and I thought an Internet Shopping Mall would be so cool. We could have different stores, oh boyThats where the name MallAboutTown.com came from. Oh yeah. Now you have to have a logo and a theme and all the right colors and, and, and.
It's kinda like building a house.
SEO (Search Engine Optimization) - You should have been thinking about this from the start. Buy links, buy PPC (Pay Per Click) advertising, buy search engine submissions, buy content, submit articles and link to directories and other Websites, read, read, read and determine who is telling the truth.
After all the smoke clears, you will be in the hole a few bucks. When that first sale comes in you will feel like that golfer getting a hole in one. Then you're back at it, harder than ever. Its an addiction. I guess it could be described as the spouse that wont leave an abused relationship. Like any business, Internet business is not for the short-term commitment. There is so much I had to leave out because many things depend on what direction you take on this journey. Good Luck, remember if its too good to be true..
Our advice is to personally talk to someone that is successfully operating E-commerce site, (not on E-bay) and get the facts. This is what made E-bay so popular. But even E-bay can be tough.
Good Luck,
Marc and Kemella Allyn
http://www.mallabouttown.com
Marc and Kem own http://www.mallabouttown.com and http://www.allaboutthecross.com bring their personal experience for your use.
File Security By Password
Retirement Investing
Homemade Christmas Gifts For Girlfriend
Veced Wow
China Time Zones
Wow Blackmouth Oily Ponds
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Swallow Password
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Free Password Keeper
Protect Your Cat Against Sunburn And Skin Cancer.
We are all used to seeing the many advertisements on our televisions about protecting ourselves and our children from the summer sun, but do we ever think about protecting our pets? Probably not. However cats and dogs can get sun burnt too and with the same terrible consequences that causes, including the possibility of skin cancer.
Cats who are outside a lot during the summer, especially those with light coloured fur are particularly at risk from the effects of the sun and the heat. So before we let our pets outside on a summer’s day we must make sure we provide adequate care for them, just as we would for our children and ourselves.
Areas particularly at risk on your pets are their ears. They often have a much lighter covering of fur and this makes them much more likely to burn in the sun. Add this to the fact that cats will often spend hours laying in the sun and the risks of skin cancer rise dramatically. Often in Mediterranean countries you will often see a lot of cats with both their ears missing. This is because that the region receives a lot of hot sunny weather and skin cancer on cats has become so common that owners will often ask the vet to remove the cats ears to reduce the risk of them catching skin cancer. Another method used is to have the ears tattooed all over in black; this helps to reflect the sun and provides protection.
Of course there are other simpler methods to protect your pet from the effects of the sun. Simply remember when you let your pet out on a hot summers day, make sure you rub a high factor sun cream onto the ears and areas which are not as covered with a thick layer of fur. Some breeds have a very thin covering of fur all over, and it might be safer to keep these breeds inside on very hot sunny days.
Also make sure that you provide plenty of fresh water for your pet which is readily available all through the day. Perhaps have several bowls of water dotted about the garden in a cool spot. Of course making sure that there are plenty of shady places that your pet can keep cool is essential. The affects of heat stroke can come on very fast and if not treated promptly can be fatal. If you suspect that your pet is suffering from heat stroke i.e. is panty very heavily and seems to be wobbly on their legs and disorientated. Cool them down immediately in a bath of cool water and then take them immediately to a vet.
All of the above are quite simple and affective steps, which will protect your pet during the summer months. A little time and thought could save both you and your pet any suffering and will ensure that summertime is enjoyed by every member of your family. More helpful tips for looking after our cat can be found at http://www.our-happy-cat.com
Copyright 2007 Kate Tilmouth.
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Cats who are outside a lot during the summer, especially those with light coloured fur are particularly at risk from the effects of the sun and the heat. So before we let our pets outside on a summer’s day we must make sure we provide adequate care for them, just as we would for our children and ourselves.
Areas particularly at risk on your pets are their ears. They often have a much lighter covering of fur and this makes them much more likely to burn in the sun. Add this to the fact that cats will often spend hours laying in the sun and the risks of skin cancer rise dramatically. Often in Mediterranean countries you will often see a lot of cats with both their ears missing. This is because that the region receives a lot of hot sunny weather and skin cancer on cats has become so common that owners will often ask the vet to remove the cats ears to reduce the risk of them catching skin cancer. Another method used is to have the ears tattooed all over in black; this helps to reflect the sun and provides protection.
Of course there are other simpler methods to protect your pet from the effects of the sun. Simply remember when you let your pet out on a hot summers day, make sure you rub a high factor sun cream onto the ears and areas which are not as covered with a thick layer of fur. Some breeds have a very thin covering of fur all over, and it might be safer to keep these breeds inside on very hot sunny days.
Also make sure that you provide plenty of fresh water for your pet which is readily available all through the day. Perhaps have several bowls of water dotted about the garden in a cool spot. Of course making sure that there are plenty of shady places that your pet can keep cool is essential. The affects of heat stroke can come on very fast and if not treated promptly can be fatal. If you suspect that your pet is suffering from heat stroke i.e. is panty very heavily and seems to be wobbly on their legs and disorientated. Cool them down immediately in a bath of cool water and then take them immediately to a vet.
All of the above are quite simple and affective steps, which will protect your pet during the summer months. A little time and thought could save both you and your pet any suffering and will ensure that summertime is enjoyed by every member of your family. More helpful tips for looking after our cat can be found at http://www.our-happy-cat.com
Copyright 2007 Kate Tilmouth.
Westell B90 327w15 Modem Default Password
Universe Password
1 Hit 70 Private Wow Servers High Player Cap
Rubmyboobs Password
Graphs Of Wooden And Metal Baseball Bats
Women In Spadex Camel Toe
Wii Manhunt 2 Cheats
Make Money Wow
Dowload Nasa Earth
Wow Primal Might
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