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Do you choose canned food or dry food? What brand? There are so many different brands, all shapes and sizes of pet food to choose from and pet owners are provided with very little information to base your decisions on (other than advertising) – it can get so confusing! Well, buckle your seatbelt depending on how much you know of the pet food industry, this could be a bumpy ride! You are about to learn seven secrets – well kept secrets – of pet food. Sit back, brace yourself, and keep reading.

Beneful says it’s ‘Premium Dog Food for a Happy, Healthy Dog’ and sells for around $18.00 for a 31 lb. bag, Science Diet “promises” ‘precisely balanced nutrition through continuous research and the highest quality food backed by your Vets endorsement’ and sells for around $21.00 for only a 20 lb bag. Then there are numerous pet foods that make the very same statements – ‘Premium Dog Food, Highest Quality’ – that sell for $30.00 or more for a 20 lb bag. And the same holds true for cat owners…Do you choose Whiskas that states ‘Everything we do is about making cats happy!’ or do you choose one of those high end cat foods that make the very same claim of a happy, healthy cat but cost 3 times as much?

Now with the on-going pet food recall pet owners have questions such as ‘Has this food been recalled?’ or ‘Is this food the next one to be recalled?’…’Is my pet safe?’ Wow this is confusing! And scary too! What exactly is a pet owner to do? How about learning a few secrets! Equipped with the knowledge of a few secrets of pet food, it’s not nearly as confusing.

Secret #1…

All pet foods use descriptive words like choice and premium, though few of them actually use premium or choice ingredients in their food. The ‘secret’ is that per the rules of the pet food industry, no pet food can make any claims or references on their label or advertising as to the quality or grade of ingredients. You see, the word ‘premium’ when it’s related to pet food DOES NOT mean that the ingredients in the food are premium. With pet foods, premium does not (can not) describe the food nor does it (can it) describe the quality of the food. It is a marketing term and that is all. Per the pet food industries own rules and regulations, “There are no references to ingredient quality or grade” (regulation PF5 d 3). So, words like premium, or choice, or quality are just marketing or sales terms. They should not be interpreted as terms describing the quality of the food.

Now why wouldn’t a pet food label be allowed to tell a prospective customer the quality of their ingredients? Doesn’t a pet owner deserve to know what they are buying? This leads me to the next secret…

Secret#2…

If I can compare ‘people’ food to pet food for just a second, we all know there are different qualities of people food. There is White Castle (I’m guilty here, I love the little guys!) and there is Outback Steak House (another favorite). Both restaurants serve meat and potatoes. At White Castle for under $3.00 you can get a couple of hamburgers and an order of fries. While at Outback you can get a steak and baked potato for around $16.00. Both serve beef and potato – yet you already realize that there are huge nutritional differences between a fast food hamburger and a steak…right?

The problem in the pet food industry – is that most pet owners don’t think in the same terms when it comes to pet food. They don’t think in terms that there are fast food types of pet foods and there are sit down restaurant more nutritious types of pet foods. In fact, several years ago a young man tried this very experiment with his own diet – eating nothing but fast food for 30 days. In just one month of eating fast food three meals a day, he gained a great deal of weight, blood pressure and cholesterol levels sky-rocketed. Now, imagine your pet eating this type of food its’ entire lifetime.

OK, so back to our two meals…if a chemical analysis of your meal at White Castle was compared to a chemical analysis of your meal at Outback – both would analyze with a percentage of protein, carbohydrates, and fat. Regardless whether you consider a steak at Outback a higher quality of protein than the burger – it would still analyze as protein. The analysis doesn’t measure quality of protein.

So here is the secret…All pet foods come with a Guaranteed Analysis stating the percentage of protein, fat, fiber and moisture in the food. The REAL secret lies in the quality of the percentages of protein, fat, and so on.

In a chemical analysis of a pet food – chicken feet would analyze as protein, although granted it provides very little nutrition. And as well, a cow that was euthanized (put to sleep) because of a disease that made it unfit for human consumption – would analyze as protein although that could be considered dangerous for consumption. Both of those things – chicken feet and a euthanized cow – are allowable ingredients and commonly used in pet food. You see the secret within the pet food industry is manufacturers have a WIDE OPEN door to where they obtain their ingredients. The only strict rule they must follow is an adult dog food must analyze with 18% protein and an adult cat food must analyze with 26% protein. Sources to acquire those particular percentages range from a ‘human grade’ meat, to chicken feet, to euthanized animals, to grain proteins, to even man made chemical proteins and many variations in between.

Pet food labels do not have to tell – are not allowed to tell – the sources they use to obtain that required 18% or 26% protein. And to make matters worse…quality minded pet food manufacturers – the companies that use 100% human grade ingredients – are not allowed to tell customers or potential customers that their products are quality, human grade ingredients.

So how can you know if your pet’s food uses chicken feet or euthanized cows or if it contains human grade ingredients?

Secret #3…

If the words premium and choice mean basically nothing with regards to the quality of pet food, and if some pet foods use chicken feet and euthanized animals in their food – how can a pet owner know what they are getting in their pets’ food?

This big secret is found in ingredient definitions. Unlike ‘people’ food where you can pretty much look at the food to determine the quality, pet food is far different. All ‘people’ food must meet particular USDA (United States Department of Agriculture) and FDA (Food and Drug Administration) guidelines. The same is not true for pet food. Chicken feet and euthanized cows are NOT allowed in people food for obvious reasons – they have no nutritional value or they could be dangerous to consume. The same is NOT true for pet food. The only way to know if those chicken feet or euthanized cows are in your pet’s food is to know what ingredients they can be used in.

The common pet food ingredient ‘Meat and Bone Meal’ is basically a combination of many different discarded left-overs from the human food industry. Components of ‘meat and bone meal’ can be anything from cow heads, stomachs, and intestines, to (horrifying but true) euthanized animals including cows, horses and dogs and cats from veterinarian offices, animal shelters, and farms. And along with those euthanized animals the pet food also contains the drug pentabarbitol that was used to euthanize the animal. ‘Meat and bone meal’ can also contain left-over restaurant grease, and diseased (including cancerous) meat tissues cut away from slaughtered animals. In other words, this commonly used ingredient is a mix of highly inferior and potentially dangerous left-overs from the human food industry.

The pet food ingredient ‘Meat By-Product’ or ‘Meat By-Product Meal’ is pretty much the same thing as ‘meat and bone meal’. It is a highly inferior pet food ingredient containing literally who-knows-what.

Another similar ingredient to the above is ‘Animal Digest’.

As to the chicken feet I mentioned earlier – this item can be found in the ingredients ‘Chicken By-Product’ or ‘Poultry By-Product’ or ‘Chicken By-Product Meal’ or ‘Poultry By-Product Meal’. Any left-overs in the chicken or poultry division – including but not limited to chicken feet, skin including some feathers, chicken or poultry heads, and intestines are found in these ingredients. It does NOT matter as to the health of the bird – sick, healthy, dead, dying…all is included in these ingredients.

So here is what you need to do…BEFORE you purchase any pet food, flip the bag over and closely examine the list of ingredients. The above mentioned ingredients would be listed within the first five or ten ingredients. If you see ANY of those ingredients – it is my suggestion to NOT purchase that food. Remember – chicken feet and euthanized animals do analyze as protein. That is all that is required in pet food – just the correct analysis.

Another little trick some pet food manufacturers use in this category is using grains and chemical additives to grain products to boost the protein percentages. Which is exactly the cause of the pet food recall that began in March 2007 – chemical proteins. Two different chemical additives – that have NO nutritional value to pets, but that analyzed as protein – were added to a grain product (wheat gluten, corn gluten, or rice gluten) solely to provide a cheap protein. Thousands of pets died and countless others became ill because no one counted on the problem of the combination of these two chemicals would cause kidney and urinary blockage. Again, their secret is the product has to analyze as having a particular amount of protein – no one is required to provide a quality meat protein.

While you are looking at the ingredient listing – you should also take note of how many grains (corn, wheat, rice) and/or how many grain products (corn gluten, whole corn, ground corn, whole wheat, ground wheat, wheat gluten, rice, brown rice, brewers rice, soy, and on and on) are listed within the first five or so ingredients. If you find more than one grain listed in the first five ingredients – that is telling you this pet food is acquiring some of its protein from grains.

Why is protein obtained from grains important for you to know? Several reasons – first off science proves that cats and dogs alike require and thrive on a meat protein. If a pet food is obtaining protein from grain sources, the pet is not getting the meat that it needs to thrive. Second, if the grain products are a corn gluten, wheat gluten, or rice gluten you take the risk of chemicals such as melamime added to it used strictly to boost the protein analysis. By the way, melamime is one of the chemicals found to be the cause of the March 2007 pet food recall. And there is one more concern with grains – aflatoxin. Aflatoxin is a deadly mold that is common to corn, wheat, and soy and it’s responsible for several other pet food recalls you probably never heard about. In December 2005, Diamond Pet Food contained moldy grains that killed over 100 pets before the product was recalled – all due to aflatoxin.

It is my recommendation to avoid any pet food that contains corn, wheat, or soy in ANY variation. The risk is simply too high.

Secret #4…

I’ve got more suggestions for you to look for in the ingredient listings…chemical preservatives. A very well kept secret of the pet food industry is their common use of chemical preservatives. BHA/BHT are very popular chemical preservatives used in pet food and science has linked them to tumors and cancer. Another common preservative is ethoxyquin which has known risks to cancer. Ethoxyquin is ONLY allowed in human food in some spices because of the very tiny proportions. However it is allowed in much higher proportions in pet food.

If you scan the ingredient listings, you will be looking for BHA/BHT and ethoxyquin listed anywhere. Commonly BHA/BHT is used to preserve the fat in the food which usually is found higher on the list. And also look for any of these chemicals towards the end of the ingredient listing. Personally, I wouldn’t touch a pet food that contained these chemical preservatives. You want a pet food that is preserved naturally – common natural preservatives are ‘natural mixed tocopherols’ or ‘vitamin E’.

Secret #5…

The very best food to provide to your pet is a well made food using human grade ingredients. That should be simple enough…How do you find that? You already know that pet food manufacturers are NOT allowed to make any statement as to quality or grade of ingredients, the only way you can find out the grade or quality of your pets’ food is to call the manufacturer and ask them.

Now, let’s say you call the ABC pet food company and ask the question “Is your Premium dog food and Premium cat food made using human grade ingredients?” It could be that you get the response yes, we use human grade ingredients – when actually only a couple of ingredients are human grade. Here’s the trick to asking…ask them if they are APHIS European certified.

Pet food manufacturers that are APHIS European certified assures you that ALL ingredients in their pet food are human grade. APHIS – Animal Plant Health Inspection Services – is a division of the USDA. APHIS European certification provides this pet food manufacturer with the opportunity to ship their foods/treats to Europe. When importing pet foods from the US, European countries demand that all ingredients are human grade and thus require this certification. Most pet food manufacturers that have APHIS European certification do not ship their products to Europe – they simply use this as a means to assure their customers to the higher quality of their ingredients.

Again, you WON’T see this listed on the label – it’s not allowed. You must call the manufacturer and ask. Often times the representative of the pet food won’t even know what you are talking about when you ask about APHIS certification – if that’s the case, you can assume they are not APHIS European certified. APHIS European certification is a bonus to pet owners – it is not required or even suggested that any pet food manufacturer go through the extra steps to obtain this. This is a special effort some pet foods go through to tell their customers they REALLY CARE about the quality of their products. Personally, I would NOT buy a pet food that doesn’t have it.

And by the way, if you can’t reach the pet food manufacturer, or they do not return your call within a short time frame, lose their number! Any company that does not place a priority on answering customers questions – doesn’t deserve your business!

Secret #6…

Minerals are a required ingredient in human diets as well as diets for our pets. Copper, Iron and Zinc are common minerals found in pet foods. Just as they are – copper, iron, and zinc are basically rocks, very difficult for anyone or any pet to utilize. Science has developed several ways to introduce minerals into the body (human and pet) for better absorption thus benefiting the individual far more. This scientific development is called chelating or proteinating and it’s been around for years. Through the chelating or proteinating process minerals are absorbed about 60% better than just the minerals alone.

This secret is spotting the minerals in your pet food to see if they are chelated or proteinated. Notice the minerals on your pet food label, way down on the list of ingredients. You are looking for minerals that read ‘copper proteinate’ or ‘chelated copper’. If you see just the mineral listed, your pet is sort of like Charlie Brown at Halloween saying ‘I got a rock’. If you want your pet to have the best, chelated or proteinated minerals are part of the best foods!

Secret #7…

This secret is called ‘friendly bacteria’. Although ‘friendly bacteria’ sounds a little scary, the reason for it lies in your pets’ intestinal system. A large portion of your pets’ immune system is found within the intestinal system. Keeping the immune system healthy helps to keep the animal itself healthy. This friendly bacteria is similar to what’s found in yogurt, however in pet food it is introduced in a fashion so that the cooking process doesn’t destroy it. Looking at the fine print on your pet food label, this time you are looking for lengthy, scientific words like Lactobacillus Acidophilus or Bifidobacterium Thermophilum. If you do NOT see these words or some very similar, that pet food is not addressing the care of your pets’ immune system. And again, if you want your pet to have the best, you want ‘friendly bacteria’ in their food.

There are your seven very secrets to help you find the absolute healthiest and best pet food for your four-legged friend. Armed with those secrets – you now have the knowledge to find your pet the best food possible! A pet food that can extend their life and prevent early aging and disease. If you don’t want to bother doing the homework involved, I urge you to subscribe to my monthly magazine Petsumer Report(TM). Through Petsumer Report(TM) I’ve done all the homework for you – each month I review and rate over 40 different pet foods, treats, toys, and various other pet supplies. It’s the ONLY publication of its’ kind providing pet owners with the information they need to know regarding their pet product purchases.

I want to share just a couple more things…

It’s best to feed an adult dog or adult cat two meals a day. The nutrition they consume with two meals is better utilized than with just one meal a day. If you are currently feeding your pet one meal a day, split that same amount into two meals and feed in the AM and PM.

You should know that all canned or moist pet foods are anywhere between 70% to 85% moisture. This means that 70% to 85% of that can or pouch of food is useless nutrition – its water. Granted our pets need water, cats especially tend not to drink enough water. But since all canned or moist foods are mostly water, they do not provide adequate nutrition to be fed strictly a canned or moist diet. Use a canned or moist product to supplement your pet’s diet – not as the only food.

The best pet foods are preserved naturally (secret #4) – but there is a concern with naturally preserved pet foods…freshness. Take notice of the expiration date on your pets food label – typically with naturally preserved dry pet foods (not as much of a concern with soft foods because of canning – very little need of preservatives) the expiration date is one year to 18 months from the date it was manufactured. Let’s say the pet food you are considering to purchase on July 1, 2007 has a ‘Best if Used by’ date of January 1, 2008. This would tell you that this particular bag of pet food is already 6 months old. While it is still ‘good’ a fresher food – a bag that is only 2 or 3 months old – is better. Naturally preserved pet foods lose nutritional potency with time. Always try to find a very fresh bag.

If you are considering changing your pets food, ALWAYS consult with your Veterinarian first. You should always keep your veterinarian advised of any changes you make with your pet. Don’t take chances. And if you do switch pet food, make the change over very slowly. I always recommend to pet owners ¼ new food to ¾ old food for 4 to 7 days, ½ to ½ for another 4 to 7 days, and so on. Switching food quickly can cause intestinal disorder! Its short term, but we don’t want intestinal disorder!!!

One last thing, as you are already aware dogs and cats have a far better sense of smell than humans. Their food bowl can be a wealth of smells – both good and bad. Some times a pet will refuse to eat simply because he or she smells a previous food in their bowl. Plastic food and water bowls retain odors the worst. And surprisingly so does stainless steel bowls. The best type of food and water bowl is a ceramic one. They retain odors the least.

“Animals are such agreeable friends – they ask no questions, they pass no criticisms.” George Eliot.

I completely agree!

Susan Thixton has worked in the pet industry for over 20 years helping thousands of pet owners to enjoy their pets. She’s produced an internationally distributed dog training video, authored the tell all book Truth About Pet Food, and recently has begun publication of a one-of-a-kind pet owning consumer report Petsumer Report. For more information please visit http://www.TruthAboutPetFood.com
Susan Thixton
Pet Behavior and Nutrition Consultant
Truth About Pet Food
Petsumer Report™
http://www.TruthAboutPetFood.com

Lights! Camera! Action!

Now with our exclusive movie party theme, your birthday child can star in their own movie!

That’s right, with fun kid birthday parties one-of-a-kind movie making adventure, you can turn your child’s birthday party into a movie making party they’ll never forget.

Imagine how excited your birthday child will be when they get to tell all their party guests that everyone is going to be in a movie… Wow! This is going to be super fun.

“The Great Birthday Treasure Hunt” is an original 3 minute mini-movie script exclusively from Fun Kid Birthday Parties and it’s yours absolutely FREE.

And when you order your free movie script we’ll even send you our easy to follow tips on how to put together this super fun one-of-a-kind movie party theme that everyone will love… And you’ll have a great time too!

Movie Party Theme

Everyone has dreamed of starring in a movie… And now your birthday child can star in “The Great Birthday Treasure Hunt” a fun 3 minute movie production.

Movie Party Invitations

Make your invitations into a “Movie Star Contract.” You might write something like this:

Movie Star Contract

“You’re so talented and glamorous that (your family name) Productions would like for you to sign this fun contract to appear in our latest blockbuster movie production titled “The Great Birthday Treasure Hunt.”

We’re celebrating (first and last name of birthday child)’s birthday on (day and date of the party) at our (your family name) Productions movie studios from (start time and end time of your party).

(First and last name of birthday child) will be starring in our movie adventure and wants you to be one of the movie’s co-stars.

“The Great Birthday Treasure Hunt” will be filmed on location in and around our movie studio.

Our movie party theme will include time for autographs, movie games and activities, movie screenings and our studio commissary will be providing delicious movie production treats for our entire cast.

Please sign this Movie Star Contract and call your agent (name of agent to ask for) at (telephone number) to RSVP for your movie star roll in our original movie production.”

The (family name) Productions movie studio is located at (address).

Come dressed as your favorite movie character. (or you can have everyone show up in whatever costume you’d like, western, The Incredibles, Princess, fashion, or whatever theme you want).

Movie Party Theme Decorations

Your decorations can include a director’s chair, a megaphone, scene slate, light cut outs, camera cut outs, studio signs like “Hot Set”. “Birthday Movie Set”, “Hollywood Studio”. .

Movie Party Theme Games And Activities

You can make your movie production your entire party or you can set up some movie related activities and games.

Movie Party Theme, Screen Your Dailies

After you shoot the scenes for your movie, “The Great Birthday Treasure Hunt”, you can screen the raw unedited footage. Your guest will love seeing everything, including all the fun out-takes and bloopers.

Movie Party Theme, Snacks And Refreshments

Movie sets always have lots of snack food nearby for all the actors and crew… Favorites include M & M candies, Gummy Bears, nuts, fruit slices, veggie slices, chips and dips and any other finger snacks your birthday child might like.

Have fun and put a sign on your table that reads “Studio Commissary”.

Kid Movie Party World Premiere

One of the fun things about shooting a movie as a special birthday party is that you can have a second party as well. We’ve done this and everyone loved it!

Once your movie is edited, you’ll want to have your movies “World Premiere.”

Print out some movie ticket invitations, roll out a red carpet, invite the “paparazzi” (photographers) to snap pictures and video as your stars arrive.

Have some popcorn, screen your movie!

Follow your movie’s world premiere with an Academy Awards style party. Hand out awards (special best actor certificates) to all your actors! And let everyone make an acceptance speech. This is a lot of fun. This will be a movie premiere that everyone will remember!

To get you started on this unique, one-of-a-kind movie making adventure, Fun Kid Birthday Parties will send you a copy of our 3 minute movie script, “The Great Birthday Treasure Hunt” absolutely free. And we’ll include our easy to follow tips on how to put together this fun movie production for your birthday child.

To get your free kids movie party script visit us at Fun-Kid-Birthday-Parties.com and fill out the easy form at the bottom of the page.

Mike Dougherty is a movie and television writer, producer, director, video editor and regional Emmy award winning videographer. Most recently as a Hollywood screenwriter “the Long Ride Home” a western movie starring Randy Travis is based on Mike Dougherty’s short script. To get your free kids movie script, visit http://fun-kid-birthday-parties.com/kid-movie-party-theme.html right now

Every parent wants to give the best products and conveniences to their children – no matter to which culture they belong or where they live. This is also the case for clothes. One wants to have ones kids wear the best possible clothes – they should look like a prince or a princess. And of course this desire is justified, but it does not necessarily have to cost a fortune

You can also save on clothing when you are shopping for your kids. To determine just how you can do that, we will analyze children’s needs in clothing and then provide detailed instructions on how you can get the best childrens’ clothing deals without sacrificing quality.

Because of the nature of children, one definitely should consider saving on clothing by looking for and making use of children’s clothing deals. This is because children grow up quickly; clothes bought today will last at most, a year or two. Children also are likely to get bored quickly with the clothes that they currently have -much faster then the average adult. This said, why buy pricey clothes for your child if they aren’t going to last long anyways?

On top of that, children often ruin their clothing while at play or running around the neighborhood. Hopefully you have been convinced that spending tons of money on your children’s clothing is not such a wonderful things, unless you have lots of money yourself. In a perfect world, you should buy clothes in bulk so that you can get volume discounts on large purchases.

No two stores will give the same discounts on bulk purchases. Check the newspapers an online wholesale clothing stores for special discounts at garment superstores and analyze their discount pitches and the stores to find the best prices. After much research, you’ll know which stores to go to for great deals on wholesale children’s clothing.

Next time you visit the store you need not worry about your child going to kids section and making demands. Rather you can take advantage of seasonal discounts prevalent on childrens clothing deals. Using these schemes you can buy clothes for your kids well in advance and avail hefty discounts. All you have to do is to decide what all clothes your child will be requiring in the present and the next season.

At children’s specialty clothing stores there is a huge variety available. This makes it possible to mix and match creating more outfits with fewer clothes, instead of focusing on a particular type of dress. Keep this in mind when looking for great children’s clothing deals.

You can save on clothing when you are shopping for your kids. To receive the best bargains on wholesale children’s clothing, peruse the papers and the internet looking for special discounts offered by clothing superstores and online wholesale clothing stores. Next time you visit the store you need not worry about your child going to kids section and making demands. Rather you can take advantage of seasonal discounts prevalent on children’s clothing deals.

One common mistake shoppers make when searching for deals in children’s clothing is to buy too many of the same item of clothing. Instead, take advantage of the huge selection available at specialty children’s clothing stores and add some variety by mixing and matching between different styles and brands.

You want your child to wear the best clothes, but you do not want to spend money unnecessarily. You can save on clothing when you are shopping for your kids. Next time you visit the store you need not worry about your child going to kids section and making demands. Rather you can take advantage of seasonal discounts prevalent on children’s clothing deals. Using these schemes you can buy clothes for your kids well in advance and take advantage of hefty discounts. To receive the best bargains on wholesale children’s clothing, peruse the papers looking for special discounts offered by clothing superstores and look at the best internet wholesale clothing websites.

Wholesale children’s wear – Ice Canada Inc. supplies wholesale clothing of all major brand names and designer urban wear. Howard Brule does article marketing [http://www.sbo-linknet.com] that rocks.

What is the cover offered on group health Insurance policy?

Group health Insurance plans can be defined as an insurance coverage through an employer or other entity that covers all individuals in the group.

Group health insurance is something that everyone wishes they had since groups get better rates than individuals when it comes to health care (insurance in general). Many people who are self employed or want the best rates incorporate to give the insurance company the look of a larger corporation and they try to obtain cheaper health insurance rates. Group insurance is discounted when compared to individual health insurance so getting on a group plan is a plus. Keep in mind that group insurance is just part of the equation. Deductibles, co pays, and other variables go into the rate you get, so individual health insurance or family health insurance may be just as affordable in the long run.

A group health Insurance policy is an Insurance cover which is arranged by an employer for his employees. This type of Insurance cover enables the employer to pay only part of the premium for the Insurance policy covering his employees.

Essentially Group health Insurance plan is an Insurance policy applied for by the employer to cover his employee’s medical expenses. Formerly an employer was expected to 100% employee benefits but now an employer only has to contribute just a part of the employee’s insurance premium.

With the new law passed by Congress, the employee’s net expenses for the group health insurance policy have been greatly reduced.

How can businesses benefit from this policy?

It is a well known truth that group health insurance plans are greatly valued by employees, most employees even place group health insurance policy second after monetary compensation. Organizations who have in place such policies have confirmed that group health insurance policies have enabled them employ and retain the best hands in their business. Employers are not left out from enjoying the benefits of group health insurance plans; most employers have not yet purchased health for themselves. They stand to get a better and cheaper insurance plan if they purchase Insurance via a company than if they were to purchase an individual health insurance policy.

A group medical insurance policy offers an additional special bonanza in the form of tax incentives for the employer and employees. For instance, as an employer you stand in a position to reduce your payroll taxes, but providing your employees with group health Insurance as part of a whole payment compensation package, thereby deducting 100% of the premium that you would have had to pay on a qualifying group health insurance plan. Also your employees would be able to pay their part of their monthly premium using pre-tax funds.

Although an employer is required to pay some percentage of an employee’s individual premium, which ranges from 25% to 50%, depending on the state’s laws and the insurance company. Also, if the employee wants to extend coverage to a spouse or dependent, the employer may choose to pay a percentage of that cost, but is not required to do so. Without ant question group health insurance is the most affordable health insurance available today, so if as an employee you’re given that option, you should really consider it, Often, spouses and children can be included under such a plan.

What are the factors you need to watch for a good group health insurance policy?

Employers may choose to offer free-service insurance plans, preferred service supplier or a health maintenance plan. Available on the Internet are group health insurance instant quotes, most health insurance organizations also provide group health insurance quotes via their network of agents in addition of making it available for visitors to their offices.

One of the factors an organization need to watch out for in a group health insurance policy is the bottom line. It is no more or less than simply this: group health insurance is less expensive than a couple of individual policies. This is the truth. But, it still is not cheap, in fact no health care program in America is.

Employers may use the guidelines below to select a health insurance plan that meets your needs:

• Study the websites and brochures of the health insurance companies you have short listed to engage.

• Make a comparison of their services, costs and what they pay.

• Find out if there are services or illnesses that are excluded from the policy.

• Take notes of the starting and ending dates of the insurance policy.

• Check to confirm when the cover starts as some health insurance companies only cover you from your third payment.

• Stay away from policies that limit your choice as to whether you can choose a period to stay with them.

• And finally stay away from any group health insurance policy that only covers limited diseases.

Employers are encouraged to choose Group health insurance plans that suits their needs, whether it is the preferred service supplier, traditional insurance cover or the health maintenance plan.

Kingsley Duru has an BSc (Banking & finance). Insuranceavenue.info offers our visitors the best of Insurance articles, review and endeavors to find the best possible deals for our customers. To find travel insurance [http://www.insuranceavenue.info], long term care insurance, business insurance visit Insurance Avenue [http://www.insuranceavenue.info].

“With public speaking, your audience will know if you didn’t rehearse.” Colleen Kettenhofen

All of us recognize that public speaking ranks among one of the greatest fears for most people. Whether speaking at a meeting or before a group of 400, many people get nervous just anticipating giving a presentation. A comment I frequently hear in my public speaking seminars is, “What’s the best way to overcome nervousness and gain confidence with public speaking?” Here are some proven secrets many great public speakers practice:

1. Your audience will know if you’re not prepared. They’ll pick up on subtle clues in your body language. 95% of your success is determined before the presentation. Rehearsing minimizes 75% of your nervousness. No one likes to rehearse. Instead, see if you can have a friend or colleague videotape you. Yes, I realize no one likes seeing themselves on video either! Still, the camera will be your most objective ally.

2. Once you’ve fine-tuned your presentation, rehearse and practice in front of family members, colleagues, friends, or a public speaking coach. Ask for honest feedback. What did they like most? What did they think of your energy level, passion and commitment to what you’re saying? What do they think could be improved? Also practice in front of a mirror. This will help you rehearse standing up and let you see what needs to be improved. The more you rehearse standing up, and the more familiar you become with your material, the more comfortable you will be with your public speaking. This one tip alone can dramatically improve public speaking skills.

3. Put your presentation as a “rough draft” on a micro cassette recorder. Listen to it while you’re driving to and from work, picking up the kids, or driving to the supermarket. I know what you’re thinking. “I don’t like how I sound on audio tape!” I realize that. But this is a convenient way to learn material quickly. Again, where do you sound convincing, passionate and interesting? What parts of your presentation do you think need work? The audio cassette recorder is another objective ally.

4. Visualize yourself giving a successful presentation. Better yet, if you know the exact room you’ll be speaking in visualize that, too. Olympic athletes practice visualization. It works for public speaking as well.

5. To improve public speaking skills, do a dress rehearsal. Before I conduct a keynote speech or breakout session at a conference, I take a peek inside the ballroom. If the room’s empty, I’ll go in and practice a “dry run.” This is something I try to do in full dress rehearsal mode. If the ballroom is being used until morning, I go in that morning.

Rehearsing in the exact room will give you an edge in feeling more comfortable and conquering fear of public speaking. This is one of the biggest public speaking secrets of many great public speakers. Guaranteed! If you’re usually presenting in small meetings or groups these same techniques work.

6. Are your notes and visual aids large enough print that you can see them standing up? Your notes should be “fast food for the eyes.” Never read your presentation. You’re the presenter. Your audience expects you to be the expert. You want that connection with them. A secret to effective public speaking is bonding with your audience through stories, activities, appropriate humor and understanding their needs ahead of time.

7. Stand up when speaking in public. Even if only three people attend, it sends a signal that says, “You’re so important that I’m going to stand even for the three of you.” According to a University of Minnesota study, when you stand in presenting your ideas, you are more believable, credible and persuasive.

8. Stand “center stage” when presenting your most important point. It grabs the audience’s attention. The rest of the time you can move around as long as you aren’t nervously pacing like a lion. Again, that’s where the videotaping helps!

Visual Aids and Public Speaking: Less is More

9. With public speaking and visual aids, less is more. Don’t use more than three or four colors per slide. Otherwise, people start focusing more on color and less on content. Use graphs for sales figures or sets of numbers showing a trend over a period of time. Graphs are pictures that increase retention and comprehension. No more than two or three lines on a graph. Use pie charts for market share, budgets, expenses analysis, income sources and the like.

10. Avoid slides with yellow, pink or orange print. They don’t show up well. Dark blue, black or any other dark color is better. White is okay with a darker background. Red stands for negatives like “danger,” or “warning.” Only use red to indicate problems, your competition, stopping or something similar.

11. Public speaking and eye contact: Approximately three to five seconds of eye contact per person with a small or medium sized group. Many public speakers make the mistake of using their visual aids AS their presentation. A key point in persuading your audience is establishing connection and credibility.

12. What if someone in your audience doesn’t like what you have to say because they don’t like the product or service you’re selling? Or what if you fear public speaking because you often have to deliver bad news? Know and research your audience ahead of time. What will be their biggest objections? THINK AHEAD when planning your presentation how you’re going to handle those issues.

13. Never lose emotional control. Often, these difficult people are trying to rattle your cage. They want control. And they want it in front of others. What if they continuously discount what you’re saying? Tactfully respond to them at first. After a while, say something like, “You bring up a good point, and yet, due to time constraints see me at the break and we’ll discuss that privately.” Your audience will be looking to see how you handle the situation.

“When speaking in public, you are your own best visual aid.” Colleen Kettenhofen

Colleen Kettenhofen is a speaker, workplace expert, & co-author of “The Masters of Success,” as featured on the Today Show, along with Ken Blanchard and Jack Canfield. For free articles, e-newsletter, or to order the book visit http://www.ColleenSpeaks.com Topics: leadership, managing people, difficult people, public speaking. Colleen is available for keynotes, breakout sessions and seminars. 1(800)323-0683 http://www.ColleenSpeaks.com

Due to the great variety of skis available, the beginner can easily become confused as to what equipment to get. Instead of buying a set of ski equipment right away, renting is a good option to consider. Here are some tips to help the beginning skier aong either path.

Renting Ski Equipment

Beginning skiers are usually better off renting their ski equipment, for the first season at least. It can be an expensive mistake to buy boots, poles and a full set of skis, when you don’t yet have the experience to choose the proper equipment.

Ski resorts usually have very knowledgeable staffs in their rental shops. They can be very helpful in choosing appropriate equipment for each skier. They will take into account height, weight, skiing ability and skiing style, as well as the current snow conditions. The rental shop staff has no interest in pushing one brand over another, because once you pay the rental fee you have your choice of any equipment in the shop. Of course, the staff does have an interest in making the skiing experience as enjoyable as possible. If you enjoy yourself, you are more likely to come back and rent from them again.

Renting is a great way to enable you to try out various types of skis and boots to see which you prefer. If you start with short skis, try a slightly longer pair each time to see what the difference is. Experimenting with skis from various manufacturers and skis made of different materials will help when it comes time to buy your own equipment. By then you will know exactly what works for you.

Buying Ski Equipment

After a couple of seasons of skiing, you will probably want your own equipment.

Information you’ll need to tell the sales person:

- how the skis will be used — on or off trail, groomed snow or powder, speed or stability

- your skiing ability

- your height and weight

- preferred length of skis

- for woman or man.

The staff in the ski shop, usually seasoned skiers, will help you make a good choice in your purchase. Be sure to give them as many details as possible about your skiing ability and style. This will enable them to guide you toward a suitable pair of skis for your needs.

Due to modern ski technology, skis can be designed so that one pair can suit a variety of conditions and styles. Of course, there are still specialized skis for specific purposes. The beginner to intermediate skier should probably get a pair of skis that can be used almost anywhere to try out different types of skiing as you progress.

Visit Ski snow to learn more. Ron King is a researcher, writer, and web developer visit Author Articles. Copyright 2006 Ron King.

Wear stylish maternity clothes and make your pregnancy period more fun. Not all of us can look our glowing best during pregnancy; we can at least try our best to look fabulous wearing trendy maternity clothes.

Expectant women have a lot of choices with maternity clothes being available in all price ranges from stylish maternity clothes designed by some of the top names in fashion to off-the-rack affordable maternity clothes.

There are some top end boutiques that deal in exclusive, ultra stylish maternity clothes that can take your breath away literally on account of the unique fashion as well as the unbelievable prices! Well, you can pay a ton to look gorgeous or pay almost nothing at all and still look gorgeous. There are many women who look stunning wearing discount maternity clothes purchased online. You can even purchase expensive maternity winter coats with discount on these stores.

Factors To Consider While Selecting Your Maternity clothes

No matter where you buy your maternity clothes, be it designer wear or otherwise, you have to consider certain factors before you decide to buy your clothes.

Stylish maternity clothes add a distinct glamour to pregnant women. Maternity clothes have underwent a sea change and now you have a wide range of trendy maternity clothes and funny maternity clothes to choose from. Visit Maternity Clothes for more tips and free articles related to pregnancy and how to get discount maternity clothes or affordable maternity clothes.

Industry of movies offers numerous kinds of movies. These are particular genres of movies which entertain us. They make us laugh, make us cry and sometimes makes us scare also, but in any case we get entertained and feel excitement. Main movie genres can be categorised into 11 kinds. These 11 kinds of movie genres are Action Movies, Adventure Movies, Comedy Movies, Crime & Gangster Movies, Drama Movies, Epics/Historical Movies, Horror Movies, Musical (Dance) Movies, Science Fiction Movies, War (Anti-War) Movies and Westerns.

As name suggests each genre of the movie is filled with the named element, such as action with great stunts, comedy with nerve-tickling sequences and like that. Along with traditional genre movie kinds there are also non-genre movie categories. Some of these non-genre movie categories may be Animated Movies, Classic Movies, Cult Movies, Children Movies and like that. Whatever the genre is whatever the categories are, this is a true fact that movies entertain truly and they lead us to a whole new world of fantasies.

The movie show most beautiful faces, most ugly faces, most tender love-filled heart and at the same time the most ruthless heart, that is, we can see every emotion of our life in these movies. The movies have great dance sequences, music and views. No one can spare oneself with the magic of these movies. Social movies spread good message for making the society a good place for living. These films inspire us a lot. Movies do impart education in that sense.

One genre of movie which attracts a huge mass of movie lovers is horror movies. The horror movies have strange characters with unusual faces and body structures. These movies show sound effects which are very scary that causes chills and shudders. Horrors movies excite us also and they are full of spine-chilling sequences.

Horror movies have often a terrifying and shocking finale. They scare us while captivating and entertaining us at the same time in a cathartic experience. Horror movies feature a wide range of styles, from the earliest silent Nosferatu classic, to today’s CGI monsters and deranged humans. They are sometimes combined with science fiction. Here the menace or monster is related to a corruption of technology, or when Earth is threatened by aliens. The scariest movies show sequences of an old and deserted big palace with no one, but a ghost and a group of people meet him or her in bizarre consequences. These movies are full of special sound effects and light effects.

Everyone loves to get oneself scared by watching these horror movies. It scares, excites and sometimes makes us laugh under fear also. There are many sub-genres of horror movies also like slasher, teen terror, serial killers, satanic, Dracula, Frankenstein, etc. You would love to move away in a fantasy land with these movies so often. Movie industry has produced many excellent horror movies. Some of the top rated horror titles are Psycho, The Innocents, Dead of Night, Peeping Tom, The Wicker Man, The Haunting, Theatre of Blood, Dracula, Brides of Dracula, Dead Man’s shoes and Dr. Jekyll And Sister Hyde to name a few. The horror movies are generally a tale of repression, superstition and sexual hysteria. These movies boast excellent cinematography, superb acting and seriously scaring moments.

It is very difficult to find the movie of your choice particularly in horror movies genre. New-age online shopping portals are offering many titles under this category. They have classical horror movies, cult horror movies, scariest horror movies and like that. The titles available wouldmesmerise you for sure. Shopping for these titles is also very easy and full of fun. Just check one of these sites and you can see lots of excitement is waiting for you.

Alden Jerry is an expert writer. Visit to know more about latest horror movies at movie stores from price comparison shop

There area many common sense rules to follow when caring for your cat. These rules are simple and will ensure your cat will be healthy and happy.

1. When your cat arrives at home:

Bringing your new cat home cat be frightening for it. Be prepared by having a food and water spot already set up. Also have a litter box setup in a quite spot away from the food. Your new cat should be transported in a cat carrier. When you bring the cat inside set the carrier down and open the door. Let the cat come out and explore on its own. Confining the cat to a quiet room for a day or two will make the experience less overwhelming.

2. Going Outside:

Before letting your cat outside for the first time be sure it is comfortable with you and its indoor surroundings. There are many dangers outside so let your cat have an escape route in case it needs it. My cat uses a cat door and it has save him a few times.

Judge the risk to letting your cat outdoors. If you live close to lots of traffic having an outdoor cat may not be a good idea.

3. Litter Boxes:

If you are using a cat box it should be cleaned daily. Clumping cat litter makes this easy. Simply scoop out the clumps and you’re done. Put the litter box in a place where the cat will not be disturbed.

4. Food and water:

Your cat should always have a supply of fresh food and water. I prefer to use a heavy ceramic bowl to prevent the cat from pushing it or tipping them over.

The water bowl should be changed daily and food should be added to maintain a good supply.

My cat is now on a high quality dry food. I found feeding him can food was a waste. He generally left some behind at each meal regardless of the portion. At 15 I weaned him onto dry food only.

5. Scratching Posts:

Any cat is going to have the urge to scratch. The question is where is it going to do it? Best to have a scratching post that is safe and secure. Play with your cat on the post so it gets used to being allowed to scratch there. Rubbing a bit of cat nip on the scratching post will encourage your cat to scratch.

6. Cat Toys:

There are so many different cat toys on the market these days it is hard to choose a toy your cat will like. After much trial and error I determined my cat likes the string attached to the toy much better then the toy. Whenever I want to play I get a string, or better yet, my gold necklace (his favorite).

7. Sleeping Places:

A cat always needs a quiet, out of the way place to sleep the day away. A bed near a heater or furnace vent is ideal. In the winter most of the vents in my house have a cat bed near them.

If you have small children make sure they can’t disturb your cat when it sleeps

8. Care for eyes and ears:

When cats get a build up of discharge around the eye simply clean it with a damp cloth. A small amount of discharge is normal for a healthy cat but if there are excessive amount then consult a vet.

Regularly check your cats ears for dirt or ear mites. Any dirt can be removed with a damp Q-tip. If you spot small brown clumps of discharge you should consult your vet. This is a sign of ear mites.

9. Care for the claws:

If you have an outside cat, claw care is less important. Climbing trees, and other outdoor stuff helps to keep claws well maintained.

An inside cat has far less need for its claws. There is really no environment where your cat needs to use its claws. You should trim your cats claws once or twice a year. Clip the very tip of each claw. Taking any more then just the tip can hurt your cat. It is recommended that you have a vet show you how to clip their claws properly.

10. Care of the mouth and teeth:

As cats age their teeth start to get calcium build up which can cause gum inflammation. Check your cats mouth every 6 or 8 weeks. Find and remove and calcium build up before deposits get too large.

Caring for a cat is quite simple, common sense really. I believe that good food, fresh water, lots of love and exercise is best for a cat. By following these 10 simple guidelines your cat can live a long and healthy life.

Copyright 2005 Dave Markel

Visit [http://house-cat-supplies.com/cat-articles.html] for more great articles related to cats.

Whether working, attending school, or simply in need of temporary childcare services, it is extremely important to find the venues and networks that can make the experience an extremely positive one for everyone involved.

Choose a Center You Can Trust

When considering a home childcare center, there will typically be one or two adults in attendance. It’s best they have a limited number of children, either their own, or those of clients so that your child or children can receive quality attention. Make sure you visibly check and approve their licensing and that home rules and regulations are in place and adhered to by everyone.

Traditional daycare centers are usually managed by multiple teachers and will take in children of all ages. These venues are registered by the state. The same level of scrutiny should apply to these venues as a home childcare business.

Make a Thorough Evaluation of Your Network

Familiarizing yourself with the center’s daily routines should always follow your choice of childcare venues. Should you bring snacks for your child or are they provided. Are there special clothes you need to bring? The childcare provider can provide you with a list of the things you should, and shouldn’t bring each day.

It’s not bad to have a back up plan for either of the childcare networks you choose. For simple things like if your get sick, a home childcare center works perfect. On the other hand, a full service center might offer more flexibility to fit your schedule and your family’s needs.

Interview Multiple Providers

Your research will no doubt reveal that childcare centers approach their rules differently. Some will have strict rules while others may not, such as flexibility in scheduling. Other childcare centers may have a more structured approach when it comes to education. So, it becomes extremely beneficial to examine as many options as possible.

Evaluate a Center with an Open Mind

Look closely at the staff and how well they treat the children. Do you observe a lot of patience and flexibility in their approach? Ask yourself if the center will be able to meet your child’s emotional and developmental needs.

Does the facility provide safe indoor and outdoor areas along with appropriate equipment? Are the bathrooms sanitary and do they provide areas for changing diapers? Are the rooms designed with bright and engaging colors?

Observe how the tables are made. Do they have rounded corners? Are first aid kits and snacks available for the children? Are cleaning material and medicines out of the reach of the children?

There are a thousand variables to consider. Knowing your child is being well taken care of by qualified professionals who have received proper early childcare training can go a long way in making sure you start and end your day with peace of mind.

Colin McLean writes about early childcare training and programs for Everest College. Find out how a quality education can help put you on the path to success.

My favorite online game to play is WoW (World of Warcraft) and that is why I am writing this short WoW cooking guide article. I am going to show you a brief overview of the cooking skill in the game WoW. When I say WoW I am referring to the MMORPG World of Warcraft and that is how I will be referring it through out this article.

OK the first thing you will have to do to start cooking in WoW is to visit a cooking trainer to learn the skill. Most of the major cities in the game have cooking trainers and you can get directions to them by asking a guard in the city. Once you find the trainer you will want to learn the apprentice cooking skill and all the recipes you can learn at the moment. You will also want to learn the skill to build a fire so you can cook just about any where you want. This can come in handy if you are out farming material to cook with and are not near a fire source to cook with. You will need to carry a flint and tender and some simple wood in your inventory to build a fire after you learn the skill.

OK now that you have learned all your skills you can buy some ingredients from a cooking supplies vendor and you should be ready to start cooking. You can also buy the flint and tender and the simple wood to build your own fire from the cooking supplies vendor. Just remember that when you reach certain levels you will be able to learn new recipes and you will have to visit the cooking trainer to learn these new recipes.

To gain skill points you will need to make items that you can cook and this will raise your skill points. You can see these items by opening your cooking interface and the cooking icon to do this should be in your spell book. When you open this interface you will notice some things are color coded with orange, yellow, green, or maybe even gray. As you cook items these will change as your skill level goes up. You will want to try and cook items that are colored orange to guarantee skill points that way will gain a point for each item cooked. If you cook items that are yellow or green you are not guaranteed a skill point. If you cook items that are gray you will gain no skill points because your cooking skill level is to high for these items.

There is six different level classes in WoW cooking that you will have to gain as you progress. These different levels are attained by reaching certain skill levels in cooking. You will learn these levels from a cooking trainer once you reach these skill levels. Here is a brief over view of the different levels:

1. 1-75 Apprentice (Visit trainer)
2. 75-150 Journeyman (Visit trainer)
3. 150-225 Expert (Purchase the book called Expert Cookbook from a NPC vendor)
4. 225-300 Artisan (must complete quest)
5. 300-375 Master (Purchase the book called Master Cookbook from NPC vendor in outlands)
6. 375-450 Grand Master (Visit trainer in Northrend)

In order to learn the expert cooking skill you will need to purchase the Expert Cookbook. You can get this book in Shadowprey Village in Desolace (Horde) or at Silverwind Refuge in Ashenvale (Alliance). There should be a NPC vendor in these two areas to purchase it from.

In order to learn the artisan cooking skill you must complete some quests. The cooking trainer named Zamja in Ogrimmar (Horde) is where you should be able to start the quests. If you are alliance a NPC named Daryl Riknussun in Ironforge should be able to help. You will need a 225 Cooking skill to start the quests and a minimum player level of 35 to learn artisan cookin.

You can learn master cooking from a book sold by cooking trainers in Hellfire Peninsula. The horde can buy their book from a NPC named Baxter in Thrallmar. The alliance can get there book from Gaston in Honor Hold.

You can learn the grand master skill from cooking trainers in Northrend. Just visit your factions cooking trainer.

OK that is a quick over view of the cooking profession in the game wow. I hope this wow cooking guide has helped you get a better understanding of the wow cooking profession. If you enjoyed this guide and would like more info on the wow cooking profession I recommend this site: Wow Cooking Guide

The cooking profession is a great way to make more gold in WOW so I would recommend leveling it up.
For more info visit here: Wow Cooking Guide And More

Having a backyard tennis court is much better than having to go to the local courts everyday. With a back yard tennis court, tennis lovers can play any time a partner is available. With the high gas prices of today, constructing a tennis court in the back yard proves to be economically feasible.

Overview

Having a back yard tennis court is fun for the entire family. It doesn’t matter if there is a tennis player in the family or not. The fact is that the sport provides a wonderful forum for exercise. Being that the game can be played with four players, a family of four can very easily enjoy a game of tennis on their own court.

When making the decision to embark upon tennis court construction, it must be realized that this is an important and a wise investment. It is also important to realize that there is tennis equipment involved and that the court and the equipment need to be maintained well. Tennis courts can be beautiful in a back yard if they are maintained properly

Benefits

A backyard court gives a family a good workout and allows them to spend quality time together. Because of the fact that so many individuals are encountering health issues due to inactivity and many are battling obesity, adding something such as a back yard tennis court can help reverse the effects brought on by these issues.

A backyard court also makes for a great place to get together with friends and have a good time. Individuals can have barbecues and play a good game of tennis or have matches in the back yard. The possibilities are virtually endless. However, most of the benefits lie in what having a tennis court can do for the overall health of the entire family.

Tennis court construction

Tennis court construction isn’t as involved as it may look to some. It is good to have the area fenced in so that the tennis balls do not fly into a neighbor’s yard or into another area where they don’t belong. Fencing also keeps out intruders. You can use a privacy fence and you can even get a green vinyl cover to put around your tennis court.

There is also the fact that the concrete has to be poured at 4 inches. The compressive strength should also be 3,000 psi. Also, the water to cement ratio needs to be no more than.40 with a 6% air content. This is to give the concrete the right feel. Having the right feel is important to tennis court construction and to the overall game play because having concrete with the right air content makes for a lesser impact on the knees. The next step is to paint the concrete green or red. Many individuals use both of these colors. There is also the fact that the lines have to be painted onto the court. A tennis court is not a tennis court until it looks like one.

Some individuals even put stone retaining walls around their backyard court that only sits about two feet off of the ground. They do this to keep such elements as water out and to keep animals out. This is great at keeping the court in tip top shape.

And then of course there is the net. A tennis net is your last step. It is not hard to acquire and is quite affordable. They come in one height, so you don’t have to worry about any particular measurements or anything of that sort. After the net is put in place, you now have yourself a backyard court.

Tennis equipment

When a family is going to have a backyard court, it is important to have tennis court equipment. Tennis equipment consists of such items as windscreens to put around the court, the tennis net, trash cans for everyone to throw their trash, water coolers, net posts, tennis ball machines for solo games, tennis ball baskets to carry around all of the balls, and benches so that others can watch.

Players can also include numbers if they really want to feel as if they’re in a real match. They can even invest in tennis ball mowers to pick up the tennis balls faster. If a person doesn’t want a tennis ball basket, they can have a tennis ball cart. There are so many different types of tennis court equipment that can be used to make playing more enjoyable.

It is more or less up to the individual what type of tennis equipment they invest in. This is because different individuals have different levels of experience. Some also view it as a simple workout and others want their tennis court to look like it belongs at a professional match. There is nothing wrong with that. It is a hefty investment, but worth it to those who really want that game feel.

Love the game

It is hard to not love the game of tennis. It is exciting because of that adrenaline rush that comes about when the ball is returned. It also makes individuals feel really good after a game. That’s because the workout is incredible. And to think that it is possible to have a backyard tennis court is even more exciting. This means no more waiting for other players to get done at the court. Public courts usually have just a few courts open at a time, which means people have to wait for others to finish. Having a backyard tennis court fixes that problem.

Swati is a freelancer, a work from home mom, who loves to write. She is a postgraduate in English and an MBA. She has written on practically every niche on the web. She writes articles, blogs, web pages, reports, press releases, product descriptions, eBooks, sales letters and newsletters. Visit Swati’s blog now if you need content for your business or personal needs.

A fear of public speaking is something that many people suffer through during their career. Some people try to avoid speaking in public at all costs but sometimes it’s just not possible especially if it’s part of your job.

Plus, there is no reason to want to avoid public speaking because it really doesn’t have to be something that is scary. It can actually be quite fun.

And being good at it can help your career, too.

I can’t think of a better way to climb the career ladder than by being someone who is able to stand up in front of your peers and managers and speak intelligently and confidently.

An employee who can do this will get noticed and for the right reasons.

Let’s focus on the fear of public speaking in a work setting and specifically how you can become a confident and effective speaker.

Here’s how I went from being someone who needed to read off cue cards word for word when speaking in public to someone who can speak comfortably in front of a group with little to no notes (and enjoys doing it!):

1. I stopped trying to memorize everything.

Instead, I learned the material I was covering and became less reliant on notes. I stopped writing out speeches and presentations word for word and trying to memorize it and started using short bulleted statements, only listing the main points and simply verbally expanding on each point when I glanced at my notes.

By not having to memorize everything, I eliminated the chance I was going to forget something.

2. I stopped worrying about speaking publicly.

I used to worry a lot about public speaking. When I was a kid I used to worry about the yearly poetry contest my school had where we each had to memorize a poem and recite it in front of our class. Here is an example of where I HAD to memorize my “presentation.” I stopped pretending that reciting a poem in front of my class was the end of the world and decided to have fun with it. Twice I got to compete in front of the school after winning my class competition.

The moral of the story?

Don’t create a stressful situation for no reason. It’s normal to feel apprehension but don’t turn it into a “do or die” situation when it isn’t.

3. I let my personality come out.

Whenever possible I like to inject a bit of humor when I’m speaking publicly (within reason of course) and always try to sound enthusiastic. I just try to deliver my presentation as if I’m speaking with friends in a social setting.

In other words, I just try to act normally and convince myself that presenting isn’t a big deal. Because it isn’t.

4. I started to enjoy public speaking!

Once I started to feel more comfortable speaking publicly, I started enjoying it. I also noticed that when I was in school, the more I enjoyed presenting the better I did. My fear of public speaking disappeared.

Once in the work world, I looked forward to opportunities to speak publicly and got more and more opportunities to do so. If you decide that you hate it, of course you’ll have a fear of public speaking.

Plus, I started getting opportunities from my manager to present in front of senior managers and pretty soon I found myself on a first name basis with these same managers who previously didn’t know who I was.

In my experience, the first step in conquering a fear of public speaking is to loosen up and relax.

Then start to learn your material rather than memorizing it or feeling like you need to write out word for word scripts of everything you are going to say.

Look for opportunities to offer to speak publicly about things you enjoy so that when the time comes to present something out of necessity (ie. work-related presentations) you will already have some experience under your belt.

Public speaking is difficult but looking forward to it rather than dreading it goes a long way to becoming better at it.

Carl Mueller is an Internet entrepreneur and professional recruiter. Carl has helped many job searchers find their dream career and would like to help clear up some of the job search myths that exist while helping people avoid common mistakes that cost them jobs.

Visit Carl’s website to separate yourself from other job searchers: http://www.find-your-dream-career.com

Ezine editors/Webmasters: Please feel free to reprint this article in its entirety in your ezine or on your website. Please donÂ’t change any of the content and please ensure that you include the above bio that shows my website URL. If you would like me to address any specific career topics in future articles, please let me know.

Tennis is also known as lawn tennis. It is a popular international racquet-and- ball sport that is played for recreational and competitive purpose. This can be played indoor as well as outdoor and consists of two players or a team of couple players that hit a rubber ball with the help of their racquets. There is net in between that divides the teams from the middle of the court. The court plays a significant role in this game.

Initially tennis was the game for aristocrats and was known as Court Tennis in USA, Royal Tennis in Australia, Jeu de Paume in France and Real Tennis in Great Britain. There are certain fundamental rules of this game but just like any other sport you need some basic tennis equipments to play this game effectively. Given below is the list:

Racquet: It is one of the most important tennis equipment to play this game. Today market is filled with variety of racquets for professionals as well beginners. There are major brands that specialize in manufacturing equipments.

They have everything that you need to improve the game of tennis. It is game that requires lot of stamina therefore the modern tennis racquet for an adult would be of dimensions 27″ to 27.5″. While choosing a racquet the following things have to be kept in mind like the head size, grip size, flex, length, sting patterns, weight and balance.

Tennis bag: This is important because you need a storage place where you can carry tennis equipments to play the game. Apart from being durable it should be portable also so that you can carry it everywhere without any hassles. Apart from physical stores there are online stores that sell tennis accessories. With the click of mouse you can select the product of your choice or order online.

Tennis shoes: These should not only be comfortable but court specific since the compatibility and conformity differs from pair to another. Like any other apparel make sure that your feet are protected. The toe area should have better protection than any other part of your foot as most of the tennis players use their toes for foreground grand strokes.

Nowadays tennis shoes come with special shock absorbers as well moisture absorbing mechanisms. Since this game requires a lot of sudden movement so make a wise decision of buying good shoes that will support and protect your feet.

Tennis clothing: This has undergone a complete metamorphosis than what it as several years back. Today tennis players have designer tennis apparels to suit their style and personality.

Most of the tennis shop stock up everything from boys’ tennis apparel, girls’ tennis apparel, neck tie coolers, ladies tennis apparel, men tennis apparel, stocks, caps, head gear to sweat bands.

Tennis ball machine: This is used by professionals as practice equipment. It helps players to handle all sorts of shots and practice footwork that their opponent might use. They come in different shapes and are great help.

Tennis Ball: This comes in different colors which can be green, yellow, white that is approved by USTA (United States Tennis Association). This has fixed size, deformation and weight.

All these are essential to play a game tennis.

Before purchasing essential tennis equipment it is always advisable to carry out a thorough research. This can also be done over the Internet that guides you through various online stores. These offer top-of-line tennis racquets, tennis shoes, tennis clothing and others necessities required for the game.

Looking for a good online family movie club or family movie review?

Family movies sell lots of tickets at the box office and every year there are one or more blockbuster movies that are family films.

But with the high price of movie tickets and theatre concessions, watching movies on DVD as a family movie night in the comfort of your own home, is quickly becoming very popular.

Online DVD Movie Clubs

Online there are a number of DVD movie clubs that include family movies in their rental libraries, but only a few actually specialize in providing quality family fare.

While other companies produce some family pictures, none has come close to the huge library of movies that Disney has given us.

Walt Disney brought us Steamboat Willie in 1928 starring Mickey Mouse and in 1973, the Disney Studios gave us Snow White, the first feature length animated movie.

Disney Movie Club

Online the Disney Movie Club offers their signature classic movies, recent releases, preschool videos, sing-a-long video and other popular family choices.

Movie Clubs

Other online family movie clubs include Family Pass (formerly known as Mentura) which bills itself as “your ticket to family entertainment.” Family Pass carries a wide selection of movies, television programs, educational and home school videos and spiritual fare. All targeted at a family audience.

Edited Movies

Another popular source of movies suitable for family viewing comes from companies that specialize in editing movies to remove profanity, excessive violence and more adult situations.

Club members can rent the edited, version of popular movies that might otherwise be far less than family friendly.

Online clubs that edit movies include CleanFilms, Flick’s Club, Family Edited DVDs and CleanFlix to name a few.

DVD Software Filters

A company called ClearPlay offers DVD software that removes graphic violence, profanity and more adult situations. Movie filters are put together for specific movies and ClearPlay’s list continues to grow.

Family Movie Reviews

Online is also a great place to discover family movie review sites that help parents when it comes to deciding which movies to see in theatres or on DVD.

The Dove Foundation, long a family movie advocate, provides online movie and video reviews. And if you’re out shopping for movies or videos at your favorite store, you can look for the Dove Foundation’s Seal of Approval (much like the “Good Housekeeping Seal of Approval”). The Dove Foundation’s seal is only awarded to movies and videos that meet certain family viewing standards and have been screened and reviewed by Dove Foundation reviewers.

Other movie reviews available online include The Family Style Movie Guide, Movie Mom, Screen It!, Family Cow, Grading the Movies, Kids-In-Mind, and Ted Baehr’s MovieGuide which examines and rates movies from a Christian value stand point.

Family Movie Night

Watching movies at home on DVD as a special night for the entire family has become very popular.

Why spend a small fortune taking your family to see a movie at a theatre when you can have quality fun time in your own home? With a special movie night you control the films your family sees. No more unpleasant surprises! And you’re guaranteed the best seat in the house.

DVD Movie Club

It’s easy to join an online movie club that offers movies for the family or better yet “specializes” in family movies and video.

So take a look at what’s on the internet and join a family movie club. Most offer a variety of special benefits to club members that make online club membership very convenient and affordable.

Then pick up some delicious popcorn and some other treats and start the wonderful tradition of family movie night in your home, a tradition you and your children will fondly remember for years to come.

And remember, some of the best and most popular films of all time have been family movies.

To learn more visit http://fun-dvd-movie-club.blogspot.com/2008/08/blockbuster-dvd.html right now

The need to eradicate poverty through increased literacy

One of the central goals defined by the Government of Mozambique in its long-term development strategy is “poverty reduction through labour-intensive economic growth”. The highest priority is assigned to reduce poverty in rural areas, where 90 percent of poor Mozambicans live, and also in urban zones. The Government recognizes also that, for this development strategy on poverty eradication to succeed, expansion and improvement in the education system are critically important elements in both long-term and short-term perspectives.

In the long term, universal access to education of acceptable quality is essential for the development

of Mozambique´s human resources, and the economic growth will depend to a significant extend on the education and training of the labour force. It is very important to develop a critical mass of well trained and highly qualified workforce which in turn will improve the overall literacy, intellectual development, training capacity and technical skills in various areas of the country’s economic and industrial development.

In the short term, increased access and improved quality in basic education are powerful mechanisms for wealth redistribution and the promotion of social equity. This policy is consistent with the provisions of the new Constitution of Mozambique adopted on 16 November 2004, in its articles 113 and 114 which deal respectively with education and higher education. Around the year 1990, the Government of Mozambique decided to change its social, economic and political orientation system from the centrally-planned system inherited from the communist era and adopted a western-style of free market system. At the same time, it was also decided to adopt fundamental changes in the education programmes. Since drastic changes and wide ranging effects were resulting from the adoption of the new economic and political orientation, it was necessary to provide new guidelines and rules governing the management of institutions of higher education.

The struggle continues: “a luta continua” !

The economic and political changes were progressively introduced with success through legislative and regulatory reforms. However, it has not been very easy to evenly change rules of social and cultural behaviour. In particular, vulnerable younger generations are the most affected by the rapid changes in society, while the reference model and values they expect from elder people in the modern Mozambican society seem to be shifting very fast. And in some instances, there seem to be no model at all. The new wave of economic liberalism in Mozambique, better defined by the popular concept of “deixa andar”, literally meaning “laisser-faire”, was mistakenly adopted as the guiding principle in the areas of social, cultural and education development.

The “laisser-faire” principle is better understood by economists and entrepreneurs in a system of open market and free entrepreneurship, under which the Government’s intervention is reduced to exercising minimum regulatory agency. The recent considerable economic growth realized by the Government of Mozambique (10% of successive growth index over four years) is attributed mainly to this free market policy. This principle should be carefully differentiated from “laisser-aller” which, in French language, rather means lack of discipline in academic, economic, social and cultural environments.

Reforming higher education institutions represents a real challenge, both at the institutional and pedagogic levels, not only in Mozambique, but elsewhere and in particular in African countries faced with the problem of “acculturation”. The youth seeking knowledge opportunities in national universities, polytechnics and higher institutes, where students are somehow left on their own, having no longer any need to be under permanent supervision of their parents or teachers, are disoriented. Since reforms in higher education institutions take longer than in any other institutional environment, it is necessary indeed to adopt adequate transitional measures to respond to urgent need of the young generations.

This essay reviews current trends and the recent historical background of higher education institutions of Mozambique. It argues against the adoption of the classical model of higher education from European and other western systems. In its final analysis, it finds that there is need to include ethical and deontology (social, cultural and moral education) components as priority sectors within the curriculum in higher education institutions, with a view to instill in the students and lecturers positive African values in general, and in particular, national Mozambican models. It is rejecting the neo-liberal thinking, which proposes that students in higher education institutions should be allowed to enjoy unlimited academic, social and intellectual uncontrolled independence, in conformity with western classical education and cultural orientation. It advocates for critical thinking and brainstorming on key issues towards the development of positive cultural and ethical models in higher education institutions which could be used to promote knowledge development and poverty eradication in the country’s rural areas and urban zones affected by unemployment, pandemics and economic precariousness.

The colonial legacy and its cultural impact on higher education in Mozambique.

Many experts have described the Mozambican mother of higher education as an institution for colonialists and “assimilados” . The first institution of higher education in Mozambique was established by the Portuguese government in 1962, soon after the start of the African wars of independence. It was called the General University Studies of Mozambique (Estudos Gerais Universitários de Moçambique EGUM). In 1968, it was renamed Lourenço Marques University. The university catered for the sons and daughters of Portuguese colonialists. Although the Portuguese government preached non-racism and advocated the assimilation of its African subjects to the Portuguese way of life, the notorious deficiencies of the colonial education system established under the Portuguese rule ensured that very few Africans would ever succeed in reaching university level. However, many educated African were led to adopt the colonial lifestyle.

In spite of Portugal’s attempts to expand African educational opportunities in the late 1960s and early 1970s, only about 40 black Mozambican students – less than 2 per cent of the student body -had entered the University of Lourenço Marques by the time of independence in 1975. The state and the university continued to depend heavily on the Portuguese and their descendants. Even the academic curriculum was defined according to the needs and policies defined long ago by the colonial power.

Soon after Independence in June 1975, the Government of Mozambique, from the FRELIMO party, adopted a Marxist-Leninist orientation and a centrally planned economy. The educational system was nationalized, and the university was renamed after Dr. Eduardo Mondlane, the first president of FRELIMO.

Many cadres trained in Portugal and other European and American universities came also with their own educational and cultural background. Apart from the Eduardo Mondlane University, new public and private universities and institutes were established. These include the Pedagogic University, the ISRI, the Catholic University, ISPU, ISCTEM and ISUTC. Most of these institutions adopted a curriculum clearly modeled on the classical European model. There is still need to integrate African traditional values in the course profiles offered and research programmes developed by these institutions.

The traditional role of a university is to enlighten and serve as a reference within the society: “illuminatio et salus populi”. Today, Mozambique is one of the most culturally and racially diversified society of Africa. This diversity should be considered as a cultural treasure for the nation. It has become however apparent that it’s more a “Babel Tower case”, as no unified Mozambican values appear to develop from this wide variety. With the creation of new public and private universities and new faculties, it would become easier to increase a critical mass of university lecturers and academic professionals, who would in their turn, influence the society, creating and instilling national positive values and ethical principles of conduct in the younger generations. According to many lecturers and students contacted at UEM, Universidade Pedagogica UP and UDM, the impact of higher education on the development of positive academic, scientific, social and cultural values in Mozambique is yet to be felt.

It is however necessary to acknowledge the importance of newly introduced community-based education programmes in some institutions. For instance the emphasis on community and service has guided curriculum development at the Catholic University; its course in agronomy (Cuamba) concentrates on peasant and family farming systems and leans heavily on research and outreach within local farming communities. The CU course in medicine (developed in collaboration with the University of Maastricht) which concentrates on teaching medicine, was particularly deemed appropriate for the rural and urban poor populations of Mozambique, as it is more based on problem-solving and focuses much more on traditional issues.

New Reforms in higher education institutions with a more participative approach

Mozambique is one of few countries in Africa where a new generation of leadership has stepped forward to articulate a vision for their institutions, inspiring confidence among those involved in higher education development and the modernization of their universities. In a series of case studies sponsored and published by the Partnership for Higher Education in Africa , it was confirmed that African universities covered by the studies have widely varying contexts and traditions. They are engaged in broad reform, examining and revising their planning processes, introducing new techniques of financial management, adopting new technologies, reshaping course structures and pedagogy, and more important, reforming practices of governance based in particular on their own contexts and traditions.

Important institutional reforms concerning the strategic planning experiences of the Eduardo Mondlane University (UEM) were initiated and implemented so far. Two strategic planning cycles were developed, the first in 1990 and the second one in 1996 / 97. The second one was meant to adapting to the impacts of newly adopted multi-party democracy, market competition, and globalization. Whereas the first reform cycle was the result of high level officials at the University, the second one was generated using a participatory methodology deemed to be more effective in involving the university staff in the process.

It is important to listen to everyone, and to be seen as listening. We are also convinced that various components of the population in Mozambique should be involved in the next phases of the process with a view to define what kind of education orientation the population would wish to have for their children.

There is important progress but yet limited academic impact on the development of the society

Considerable progress has been so far made in post-independence Mozambique. After the initial problems caused by the long years of civil war and then the long efforts necessitated by the adjustment to a market-driven economy and a multi-party democratic political order, Mozambique is now considered to have a higher education system that offers a wide variety of course options and extensive research opportunities. However, a major weakness highlighted by many observers is that all the institutions remain basically concentrated in the capital city of Maputo and its neighboring provinces. It is argued that they serve only a limited fraction of the Mozambican population, and are destined to train the elite of prominent people in government and in the professions, industry and commerce. It is also alleged that the majority of the students who succeed in entering public and private institutions of higher education are from relatively rich families.

It is finally emphasized that nearly 80 per cent of university students in Mozambique use Portuguese as their principal means of communication, thus strengthening the perception of establishing, reproducing and consolidating a hereditary elite, with model values copied on western societies. In response to this challenge, it was suggested that the government should encourage the emergence of new and non-traditional HEIs closer to the local communities, able to respond more rapidly and flexibly to the demands and expectations of the public and private sectors for a high quality trained workforce, while addressing both regional and socioeconomic imbalances in the country.

In our final analysis, we find that the impact of higher education institutions on the development and dissemination of traditional African social and cultural values would be very limited for a long period. As long as the access and feed-back from all levels of the society and regions will be left out of the core interaction with the highly educated elite and higher education institutions mainly concentrated in Maputo, the role of universities in promoting African positive values, a culture of academic ethics and deontology in the entire national society will be very limited.

The process of “Nation building” needs to rely on a strong academic support. One of the Government’s main constitutional commitments is to promote the development of the national culture and identity (article 115 of the 2004 Constitution). It is clear that many institutions, for instance the television, are actively promoting cultural diversity through various means. Institutions of higher education should be seen doing more, in particular starting with the students themselves and the academic community members, who are expected to be the light of the society. Such actions would include the integration of courses on ethics and deontology, and develop a wide-ranging variety of education models that reprove negative behavior and promote positive values. Our recommendation is that the Government should for example instruct public universities and other higher education institutions, to appoint “Ethics and Deontology Committees” at the level of their University Councils and within all autonomous faculties.

Bibliography

-Fry, Peter and Utui, Rogéro (1999), The Strategic Planning Experience at Eduardo Mondlane University, ADEA Working Paper on Higher Education, ADEA, Association for the Development of Education in Africa, Paris.

-Mouzinho, Mário ; Fry, Peter ; Levey, Lisbeth and Chilundo, Arlindo (2001), Higher Education in Mozambique: A Case study, The Partnership for Higher Education in Africa, New York University, New York

The author, is a lecturer and an International Consultant on Trade and Investment, Director of InterConsult Mozambique and is the Representative of Emerging Market Focus (Pty) in Mozambique. Coments on this article are encouraged.

Four years of college at many private colleges currently costs between $180,000 and $200,000. Next to a house, college is the most expensive purchase most people will make during their lifetime. Despite those costs, many students choose a college without adequate investigation into what would be the best college for that student. As a result one out of three college students leave the college where they started and five out of ten require five or more years to earn their degree. With thousands of choices, it can be difficult to find the right college for any student. Hiring a private college consultant can help students avoid these costly mistakes by finding the right college the first time.

For many students the work to find the right college often creates stress for both the student and their parents. The student is trying to balance the college search with homework, extracurricular activities, friendships and just being a teenager. Finding the right balance can be difficult. At the same time, parents worry about ensuring the best future for their child and put additional pressure on the student when they least need it.

Working with a consultant can take some of that pressure away. A good consultant can take a step back and help the student address those issues related to the college search process without being a nagging parent. Parents are left to provide the nurturing they can do best.

A private college consultant can also help to understand what is needed to gain admission to colleges as they have become more selective. Even those schools once considered safety schools by many students have gotten more selective in their admissions and can no longer be considered safety schools.

The days are gone when high grades and test scores alone could guarantee admission to many colleges. Colleges now look at the student’s extra curricular activities, their interests and their volunteer efforts. They evaluate how well the student communicates through their essays and often how the student presents themselves in the interview process. The college consultant knows how to help the student effectively communicate who they are to the college admissions office.

However, it is not just top students that need help finding the right college. Finding the right college for the less competitive student is just as important. Many less competitive colleges have higher drop out rates and lower graduation rates than some of the well known colleges. It is common to find colleges with four year graduation rates less than 50%. These students often need help to find a college that can help the student learn and yet graduate in a reasonable period of time.

Another group of students that often benefit from the help of a private college consultant are those with unusual circumstances. Students with special needs and learning disabilities need to find colleges that have certain resources not available at all colleges. Home schooled students can also benefit from an experienced private consultant. Many colleges are unsure how to evaluate a student without traditional grades and this can put home schooled students at a disadvantage. A college consultant can work with the student to communicate their strongest qualities in a way that the colleges will understand.

Many students rely on high school guidance counselors to help them in the search for the right college. Some students are fortunate to have an experienced college guidance counselor with whom to work. Even these hard working professionals, however, do not have the time to work one on one with those students who want such support.

More commonly, many guidance counselors just don’t have the time to spend helping each student with the college search process. With an average ratio of almost 500 students for each counselor, many high school counselors can’t take the time to help students with individualized college counseling. Because of time constraints it is not uncommon that many of these busy counselors only know about in state schools that they deal with on a regular basis. They often don’t have the time to familiarize themselves with highly selective colleges or colleges for the student with particular needs.

Given the many issues that must be examined in finding the right college, and the costs involved, it is not surprising that it is common for students at top colleges to use a private consultant to help them find the right college.

Todd Johnson, a lawyer and college consultant, is the principal college admission consultant for College Admissions Partners. Todd provides personalized service to help students and families through the complete college admissions and financial aid process. He can be reached through the website College Admissions Partners

A wealth of information exists that explains the relationships between school subjects and careers. Across the nation, children, teens, teachers, and counselors use Career Interests Areas or Clusters to explore careers and to make school study plans. There are sixteen (16) Interests Areas or Clusters:

1. Agriculture, Food, & Natural Resources
2. Architecture & Construction
3. Arts, A/V Technology & Communication
4. Business, Management & Administration
5. Education & Training
6. Finance
7. Government & Public Administration
8. Health Science
9. Hospitality & Tourism
10. Human Services
11. Information Technology
12. Law, Public Safety & Security
13. Manufacturing
14. Marketing, Sales & Service
15. Science, Technology, Engineering & Mathematics
16. Transportation, Distribution & Logistics

States and federal agencies across the nation have created career cluster web sites and resources. We have reviewed three (3) of the best state or federal agency web sites.

Louisiana Integrated Skills Assessment (LISA)

One of the most unique comprehensive career cluster resources is the Louisiana Integrated Skills Assessment (LISA), an Internet program. LISA lets you explore career clusters, careers, abilities, training requirements, and more. Using the Lisa, you can do the following tasks:

• Assessment: Explore career options using the Work Importance Locator.
• I Enjoy: Find careers based upon the things that you enjoy.
• Cluster: Find careers from Career Cluster Groups.
• Search: Search for jobs based on knowledge, skills, and abilities.
• Best Match: Use your current job to find knowledge, skills, and abilities to identify a new career.
• Compare: Compare current job to potential new job.
• Profile: Use this feature to create a profile from a selected career.

There are 3 steps in the LISA program. In Step 1, when you choose a career cluster, you will read the description of the cluster. When you select a career cluster in Step 2, you can select a career group. In each career group, you will see a lot of different careers. Finally, in Step 3, you see additional occupational information, such as:

• Job descriptions
• Educational and training requirements
• Crosswalks, for example ONET, DOT, GOE, and other codes
• Abilities
• Knowledge
• Skills
• Tasks
• Work Values
• Labor Market Information

There is detailed information in each job profile:

• Description
• Crosswalk
• Abilities
• Knowledge
• Skills
• Tasks
• Work Values
• Occupational Characteristics Narrative

The Louisiana Integrated Skills Assessment (LISA) is an excellent tool for students to do career cluster exploration.

NCE Career Clusters and State Career Clusters Initiative Resources

The NCE Career Clusters has adapted information from the State Career Clusters Initiative to create a career education toolkit for teachers and counselors. In your NCE Career Clusters toolkit, you can find a Career Cluster Model, poster, resource booklets, At-a-Glance PDF Slices, and Plans of Study. Each resource is designed to facilitate the exploration of Career Clusters.

Career Cluster Resource Booklet

To prepare for a Career Clusters discussion, teachers and counselors use the State Career Clusters Initiative Career Cluster Resource Booklet. The brochures discuss the differences between career clusters and career pathways. The booklet outlines that career clusters are career groups from the same industry that have the same skills and educational requirements. Career pathways are specific careers that are within the each career cluster. The Resource Booklet discusses the following topics:

• Historical background information
• Cluster Knowledge and Skills
• Pathway Knowledge and Skills
• O*NET Crosswalk Report
• Validation Studies
• Assessment Protocol
• Certification Protocol

The booklet is a “must-read” resource that provides in depth information on each career cluster. Each booklet has detailed graphs, charts, and tables.

Career Cluster Model

To provide an overview of Career Clusters, teachers and counselors use the Career Cluster Model. The Career Cluster Model simplifies sixteen (16) Career Clusters model. The center of the NCE Career Clusters model focuses on six (6) major groups. The career clusters are color-coded so that you can easily present six (6) major groups in classroom activities. The six (6) major groups are:

1. Environmental and Agricultural Systems
2. Business, Marketing, and Management
3. Communication and Information Systems
4. Industrial, Manufacturing, Engineering Systems
5. Health Sciences
6. Human Services and Resources

Here is summary of the relationship between the sixteen (16) Career Clusters and the 6 Super Clusters.

1. Environmental and Agricultural Systems – Agriculture, Food, & Natural Resources (1)
2. Business, Marketing, and Management combines:

• Business, Management & Administration (4)
• Finance (6)
• Hospitality & Tourism (9)
• Marketing, Sales & Service (14)

• Arts, A/V Technology & Communication (3)
• Information Technology (11)

• Transportation, Distribution & Logistics (16)
• Architecture & Construction (2)
• Manufacturing (13)
• Science, Technology, Engineering & Mathematics (15)

• Education & Training (5)
• Government & Public Administration (7)
• Human Services (10)
• Law, Public Safety & Security (12)

The sixteen (16) Career Clusters systematically fit within the six (6) major groups.

Career Cluster Brochure

Another excellent career cluster student aid is the Career Cluster Brochure. The brochure is filled with photographs that show people performing the different jobs. With this easy-to-read booklet, students get an overview of the different careers, career clusters, and career pathways. Students read about:

• What is a career cluster?
• What is a career pathway?
• What school subjects are important for a career in the … career cluster?
• What is the educational or training requirement for a career in the … career cluster?
• What are the necessary credentials for a career in the … career cluster?
• What is the employment outlook for a career in the … career cluster?
• What are some sample occupations?

Career Cluster Slices

Besides the Career Cluster Model and the Brochure, a third student Career Cluster aid is the NCE Career Cluster Slices. The NCE Career Cluster Slice identifies specific career opportunities found within each Career Pathways. Each Cluster Slice is illustrated and designed to explore areas, such as:

Cluster Description
• Pathway Description
• Cluster Knowledge & Skills
• Career Field
• Preparation for a Career in …
• Examples of Education and Training Postsecondary Programs of Study

Students discover that each pathways leads to post-secondary options including:

• Apprenticeships
• Certificates
• Licenses
• Associate’s Degree Programs
• Bachelor’s Degree Programs
• Master’s Degree Programs
• Doctoral Degree Programs
• Professional Degree Programs

Career Clusters Plan of Study

At the beginning of the students’ middle school years, the students use assessments identify career cluster interest areas. With the Career Clusters model, brochure, Slices, and LISA resources, the students have explored the different careers and post-secondary training options. Students, teachers, counselors, and parents then use the Career Clusters Plan of Study to strategically plan the students’ high school course work. The Career Clusters Plan of Study provides examples of English, Math, Science, Social Studies, electives, and extra-curricular activities for the following grade levels:

• 7th – 8th grade
• 9th – 10th grade
• 11th – 12th grade
• Advanced coursework for postsecondary credit

The NCE Career Clusters web page is the gateway to the student career cluster resources.

State Career Clusters Initiative, NCE, and Lisa materials are just examples of career cluster resources. Career clusters resources have established a connection between school subjects and careers.

Resources:

Explore Career Clusters, Texas Workforce Commission/Career Development Resources (TWC/CDR), US Department of Labor, Employment and Training Administration, and Louisiana Department of Labor

Nebraska Career Education, States’ Career Clusters Initiative, 2005, and NCTEF/NASDCTEc (National Association of State Directors of Career Technical Education Consortium) States’ Career Clusters Initiative, & National Association of State Directors of Career and Technical Education Consortium

State Career Clusters Initiative Washington, DC: National Association of State Directors of Career Technical Education Consortium, 2002

Dr Mary Askew specializes in career tests, websites, and books for students. Students need eye appealing, easy to use, yet comprehensive career resources. Find out how students can reach their career potentials at http://www.hollandcodes.com Contact Dr. Askew at learning4life@qwest.net

Cheap health insurance may look like a bargain, but what happens if you have a major medical problem? You don’t want to be caught off-guard if an unexpected major medical problem arises. Cheap health insurance means one thing to one person and something else to another. While the idea of getting cheap health insurance is very appealing, no one wants to deal with the repercussions of bad or inadequate health insurance. Cheap health insurance has become the issue of the moment in South Carolina and across the country. More small businesses are increasingly unable to provide cheap health insurance plans to their employees because of the rising cost and the lack of federal and state legislation that would allow small businesses to purchase cheap medical insurance in pools.

Cheap health insurance is your access to the best options in the market. This is because you no longer have to spend so much time searching for the product that will suit your health care needs. Cheap health insurance rates work so much better when you know what you are supposed to be looking for. Get some tips on what you should look for when dealing with a health insurance plan. Cheap health insurance quotes can help you to find the best and the most inexpensive coverage that is available. You will be covered, and relieved to know that if anything happened to you, you will not have that major financial stress of paying full price for your injuries or illnesses.

Medicare supplemental insurance offers senior coverage for health care costs that are not covered by a traditional Medicare plan. By having Medicare supplemental insurance, seniors can rely on consistent, constant and comprehensive coverage when they need it. Medicare supplemental insurance is designed for people on Medicare, who wish to have more comprehensive coverage. These supplemental plans may include Managed Care HMO plans or Medigap PPO plans that provide you with greater access to participating physicians. Medicare and Medicaid are both excellent programs for those individuals who qualify, but they are no substitute for a system which allows us all to access basic private medical insurance cover at a cost which we can afford.

Medical Insurance also known as health insurance is a protection to individuals and their families against unforeseen expenses. In the process, there are two parties namely the insurer and the insured. Medicaid is for people who come under the low income’s bracket. Every person is eligible for it and having a job does not affect one’s eligibility. Medical terms can be confusing, and before speaking with an insurance agent, you should make sure you understated his or her language. Make sure you read our overview of health insurance companies to get a better idea of each provider’s identity.

Individual companies are free to evaluate the risks to insure you in whatever manner they see fit. Each health insurance company employs people (actuaries) that try to calculate the statistical risks involved in insuring you, and not surprisingly, has a slightly different view of the statistics. Individual health insurance works differently. It generally can’t be terminated just because you use it, but you can be turned down in the first place if you do not pass health underwriting; you can be rated up if you have a history of illness or obesity; and your premiums can be and often are increased if you suddenly have a major illness. Individual health insurance covers different types of injuries as well. An active lifestyle increases the risk of accidental injuries and repairing broken bones can become very expensive.

Individual health insurance is State specific. Each state has slightly different laws and regulations governing the implementation of private individual health insurance.

Hospitalization, medicines, doctor fees can be very high and if the patient cannot get a suitable insurance cover, it is very difficult. Health insurance can be a tough battle for cancer patients. Hospitals have an extraordinary ability to save life and without health insurance you could be medically saved but financially ruined. Hospital cash plans are a form of medical insurance that takes care of everyday medical costs. Many will pay for dental or optical treatment up to a set limit every year; physiotherapy; specialist consultations etc.

Comparison of your options: To be able to find an affordable health insurance you must have an idea of all. What is available in the market? After you have shopped enough get hold of a broker who can help you in comparing the policies. Comparing health insurance is a case of finding the right health insurance provider to cover your particular circumstances as well as comparing the types of policy provided by each health insurer.

Comparing Medical Insurance isn’t just a case of finding a handful of brand names and trusting they have everything covered in their policies. The cover varies wildly, as will your medical insurance quotes. Compare several plans from top rated medical insurance companies and apply online.

COBRA, short of Consolidated Omnibus Budget Reconciliation Act, came into being in 1985, and it is also a low cost health insurance option for short-term coverage up to 18 months. It’s great for transition periods such as school age children, widowed spouses, divorced couples, and other situations where you may have been covered by employee programs previously. COBRA has an 18 month limit, or 36 months if you’re permanently disabled. Most people are under the impression that COBRA is expensive, or that it’s better to stay with a plan they know.

Again, depending on where you live, requirements may be stringent. However, it wouldn’t hurt to see if you or your family qualifies. Ask around to find out about the different agents and their policies. Many agents will work very hard to get you an affordable health insurance plan for your family at a cost you can live with. Ask if the agent will be available for phone calls and if he or she will make phone calls on your behalf if you have questions in the future. Ask your agent to be sure.

Ask for a quote from several sources, and see what kind of a deal, they can get for you. Make sure they are also licensed in your state, because it does no good getting insurance if they can’t operate in your state. Ask about policy rates, terms, services, co-pays, and claim procedures. If the representative has a difficult time answering your questions, or you just don’t think the company is legit, consider visiting your state’s Department of Insurance website to read through reviews and financial information of the company.

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Special education professionals work to promote students’ overall behavioral, social and academic growth. Special education professionals aide students in developing socially appropriate behavior within their family, school and community. Teachers of special education help students become more confident in their social interactions. Special education professionals administer activities that build students’ life skills.

What Does the Job Entail?

Are you interested in helping others? Can you handle and care for people who learn differently and have other behavioral problems? Do you want to make a difference in a young child’s life? If you answered “yes” to any of these questions, then you might consider a career in special education. Below is a breakdown of the short and long-term responsibilities of a special education teacher.

First and foremost, special education teachers focus on the development and academic needs of children with disabilities. They encourage learning in disabled students by implementing educational modules and behavioral techniques. Special education teachers work alone or with general education teachers to individualize lessons, develop problem-solving techniques and integrate children into group projects with other students. Furthermore, special education teachers are responsible for ensuring that the needs of disabled children are met during assessment periods.

Did you know that special education teachers work with a team of professionals, qualified staff and family in order to fulfill their job requirements? It is true. In fact, special education teachers work in conjunction with these entities to create an Individualized Education Program (IEP) for each student. An IEP is designed in collaboration with a child’s parents, school principal, social worker, speech pathologist and general education teacher to ensure effective implementation. An IEP targets a student’s needs and growth areas for maximum response. The specialized goals set by the IEP are woven throughout all aspects of a child’s daily activities. Teachers of special education must monitor a child’s setbacks and progress and report back to parents and administrators. Planned goals and tasks are outlined for family members to refer to while a student is at home as well.

The types of disabilities a special education teacher might encounter are difficult to predict. For one, the qualifications for special education services vary greatly from mild disabilities to extreme cases of mental retardation or autism. Types of disabilities include, but are not limited to, the following: speech impairments, hearing disabilities, emotional disturbances, orthopedic impairments, brain trauma cases, blindness, deafness and learning disabilities.

Do You Exhibit These Qualities?

Now that you have an idea of the job’s demands, let’s see if you have the right qualities to be a special education teacher.

Recognize the symptoms and needs of special needs students

Patience

Ability to work with one or more parties to achieve short-term and long-term goals

Strong communication skills

Ability to motivate others

Ability to multi-task

Knowledge of the most recent education modules, medical research and behavioral practices

Knowledge of the latest medical technology relevant to special education

Taking the Next Step toward a New Career

Once you have decided to enter the field of special education, you will need to follow several steps. Due to the specialization of the field, special education teachers in all 50 states must receive licensure before employment. Licensures are approved by each state’s board of education, and the requirements for certification differ between states. Nevertheless, the growing shortage of special education teachers has led institutions of higher education to offer more special education degree and certification programs. In fact, special education degrees are offered at the bachelor’s, master’s and doctoral levels throughout the nation. Not to mention, the booming field of distance learning has made certification more accessible from any location in the United States.

In many cases, hopeful special education professionals do not meet the requirements of special education licensure due to their prior completion of degree programs outside of the field of education. Therefore, several states have begun to offer alternate forms of certification. The hope of these programs is to attract new special education professionals and fill the growing need for teachers. The chance to positively impact the lives of special needs children is one of the driving motivations and benefits of entering this field.

After several years, some special education teachers look for new opportunities within their field. In the most common situations, special education professionals transfer to administrative or supervisory positions. Others, after receiving a higher degree, become college professors and educate new students in the field of special education. Experienced teachers of special needs students have also moved up to serve as mentors to incoming special education teachers.

As for the future of special education and employment, there are many changes on the horizon. Most significantly, the job market in special education, according to the Bureau of Labor Statistics (BLS), is projected to “increase faster than the average of all occupations by 2014.” Due to the new emphasis on education and training in legislature, special education professionals will become even more valued.

Can I Make a Living as a Special Education Teacher?

As mentioned previously, the special education job market is on the rise. In 2004, the BLS reported 441,000 employed special education teachers in the nation. While only 6 percent worked within private schools, over 90 percent were employed by public schools or districts. In rare cases, special education professionals were involved in home or hospital care.

Several factors determine a special education teacher’s financial compensation. Such factors include experience, educational background, area of specialty and geographical location. In May 2004, the BLS reported the following breakdown of median annual earnings of special education teachers:

Preschool, kindergarten and elementary school level: – $43,570

Middle school level: – $44,160

Secondary school level: – $45,700

Special education teachers receive increases in salary through additional involvement in their schools’ educational activities and through coaching school athletic teams. In some districts, being a mentor to a new special education teacher carries additional monetary benefits. However, the most common way to increase earnings is through the completion of a higher degree, which can also make a teacher’s instruction more credible and valuable.

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