Do you have your vehicle’s oil changed every 3,000 miles? Do you regularly check the air pressure in your tires or have them rotated on a set maintenance schedule? Are your vehicle’s fluids checked regularly?

If you answered “no” to any of these questions, you’re not alone.

According to the Car Care Council, 87 percent of vehicles inspected during National Car Care Month earlier this year failed one or more aspects of the annual inspection.

“Compared to the 90 percent failure rate last year, the 2004 inspection results indicate that the motoring public is beginning to understand the importance of maintaining their vehicles and is starting to take action to reduce vehicle neglect,” said Rich White, executive director of the Car Care Council. “While we are thrilled to see the numbers decrease, an 87 percent failure rate is too high.”

Even if you aren’t mechanically savvy, there are things you can do to keep your car in safe and working order.

Checking your car’s fluids is the first step in keeping it running smoothly. Low fluid levels can affect the safe driving performance of the vehicle and damage internal parts if not properly maintained. Twenty-three percent of cars inspected had low or dirty power steering fluid while 26 percent of vehicles had low brake fluid.

Checking tire pressure and tread depth is equally important. During the Car Care Council’s inspection, 25 percent of the vehicles were found to have improperly inflated tires and 10 percent of the tires had worn tread and were in need of replacement.

Low tire pressure decreases gas mileage and tire life, and tires with worn tread are at greater risk of losing traction on wet roads. Check tire pressure every time you fill up the gas tank.

Many roadside breakdowns can be avoided by motorists periodically checking their cars belts and hoses and replacing them when worn. At least one belt was reported as unsatisfactory in 25 percent of the vehicles inspected, and 12 percent of the vehicles required at least one new hose.

Drivers also should pay attention to the condition of their car’s battery, air filter and vehicle lighting (such as brake lights, tail lights, headlights and turn signals).

It seems that there must be some fundamental problem with human communication. Wherever you turn it is not hard to find people having an argument, a conflict or one person angry or frustrated with another for some reason. But why is it like that?

I think one of the key problems for us human beings is that our way of communicating through the use of language is very limited. When one considers that we all have a different picture in our minds of how things are and how they should be, it’s a bit easier to realize the basis for so much conflict. The use of the spoken word and its lack of ability to fully convey meaning creates communication barriers for people.

For example, I have a picture about something in my mind. I try to convey that picture through words to another. That person must hear those words and then put them together into a picture in his mind. One problem lies in the fact that we create different pictures. The picture I started with might be entirely different than the one he has constructed from listening to my words.

Couple that with the way that many view life as a chess game, where they must out maneuver their opponent and one can see where problems creep in. Mistrust, greed, selfishness and paranoia are like weeds in our minds that we must exert conscious and constant effort to remove or risk unnecessary conflict, hurt and disappointment.

When two people talk to each other, these conflicting pictures or perspectives come into play. One person’s words may be kind, compassionate and forged with good intentions. Yet, the person receiving the words may think that the other is being mean, rude, manipulative, overbearing, spiteful or any other of a number of negative factors. A conflict results based on false or partially inaccurate notions. Some conflicts are obvious. Others fester in the mind of a person and come out in passive-aggressive ways. In either case, these situations can make people miserable.

Another problem stems from the simple fact that for as many people as there are in the world, there are as many different levels of awareness of any given situation. Some may have more information to work with than others. I can’t count the number of times when I thought things were one way, when in fact they were another. I can’t count the number of times that I blamed someone for doing wrong when there was some factor that I wasn’t aware of. A persons range of knowledge is limited.

Multiply that by all the people on Earth having similar experiences and it’s easy to see how conflicts start. Is there a solution? It’s difficult to say. Without having a basic communication form that stems beyond the use of the spoken word, communication is always going to be a quagmire of complexities between any two or more people.

I feel that the situation would be better if we had a way to communicate our entire mental picture at any given time to others, complete with the emotional background and the history of what made us get to that state of mind or perspective. That is far more information than the spoken language of human beings seems capable of conveying.

One thing is for sure, in order to rise above the limitations of human language one must employ a strong character, tempered with endurance and tolerance, along with compassion and a desire to get closer to the truth of any matter. Only then can one live more harmoniously with others.

It seems everywhere you go these days, at least in the US, the conversations are about the price of gasoline.

No wonder, since it’s broken the $3.00 a gallon barrier and is causing a lot of people real hardships.

I’m old enough to remember the gas lines of the 1970′s when a similar situation occurred. At that time, I had a production services company in New England, in partnership with a man named, Irving Goldmacher.

In addition to being one of the two smartest people I’ve known – my wife, Georgia, being the other – Irving was a fascinating person. I could probably write a book about him.

One day, in the midst of soaring gas prices, Irving went out and bought a new Caddilac, a car that was known to have low gas mileage.

I asked him if he had lost his mind, buying a gas guzzling car when gas prices were at an all time high.

“James,” he answered, “if the price of gas goes up, I’ll just figure out how to make more money. I’m not going to live my life worrying about the price of gasoline.”

Talk about a prosperity mindset! What a great outlook. Irving knew he was capable of creating whatever income he wanted, no matter what was going on around him.

This is the real key to living a prosperous life. Be in control of your income.

First, realize that your income comes from God and is not dependent on the economy. If you believe otherwise, you’re in for a challenging time.

Then, develop additional streams of income to supplement whatever else you’re doing. If you have a job, this might mean starting a part-time business.

If you’re already in business, it may mean adding new revenue streams to your existing products or services. Whatever your path, it is crucial to have more than one channel of income.

For a list of resources to help you increase your income, visit http://www.jimdonovan.com/resources.html

Do you ever feel like you’re constantly running around, trying to get your marketing materials put together and out the door? Are you frazzled by the marketing process, and driving your writer, designer, or printer absolutely nuts? Is your “plan” to just pick one new idea every now and then to implement? Or are you constantly hopping on the latest marketing idea, and throwing away your time and money with your efforts?

You’re not alone; most small businesses have the same approach to marketing. The result is marketing that’s not cohesive; it’s marketing using the “push-and-pray” method – you just create marketing pieces here and there, and then hope for new clients and sales to come rushing in. When you’re busy, you just forget or put off your marketing entirely; then, when you finish all of your client projects, you panic, push out some new marketing materials, and hope for the best.

The answer to push-and-pray marketing is to plan your marketing in advance: to sit down and create a Marketing Machine so that your marketing runs smoothly and effortlessly all year long. Creating a year-round plan for marketing can really improve the number of sales that you’ll be able to make, and keep a steady stream of clients and income coming in. There are several things to consider when creating your Marketing Machine:

Consistency and repetition are two of the most important things to planning your marketing. Experts say that you have to make 6 to 12 “first” impressions on a potential client before you’ll be remembered. So make sure to set up your Marketing Machine to include many marketing pieces per year, evenly distributed throughout the year (see “Timing,” below) and presented in many different ways (see “Format,” below).

You should also make sure to have consistent and repetitive copy and design elements throughout your materials. Using some of the same text selling points across all of your marketing materials helps increase memorability. And making sure the look-and-feel of your materials is also consistent, with a well-designed and well-established Visual Vocabulary, will make the pieces of your Marketing Machine look like a well-planned, professional, and unified set, instead of a disjointed mess, just slapped together.

Format is the way that you’re delivering your marketing materials. Marketing can be presented in many formats:

o Printed materials, like stationery, brochures, postcards, and datasheets

o Online materials, like your website

o Digital materials, like Word templates, email signatures, and PDF files

o Written materials, like articles and press release

o Meeting and presentation materials, like PowerPoint presentations, presentation folders, proposal covers, and leave-behind materials like brochures or other marketing pieces.

o Follow-up materials, like eZines or online newsletters, offline newsletters, sales letters, and thank-you cards

It’s important to match the media that you’re marketing in to your target audience to get great results from your Marketing Machine. For example, if your audience is highly technical, marketing online is probably a good idea. But if you’re selling to people who rarely use computers, printed media would be a better direction to take.

Timing includes making sure that you market consistently throughout the year. But there are some other factors to consider when setting up your Marketing Machine.

Make sure that you set up your Marketing Machine so that you have plenty of time to create your materials and promotions. Consider working materials in “off times” for your business, such as the holiday season, or on slow days. Working on marketing when you’re not busy with other projects will allow you to make the best possible use of your time and to devote enough attention to each of your marketing efforts.

If you partner with vendors, such as designers, printers, copywriters, or others to create your marketing materials, make sure that they have enough time to do a good-quality job as well. Ask what their lead times are, and be sensitive to their busy times as well.

Another technique to cut down on time spent working on your Marketing Machine is to batch similar projects together; for example, writing several articles at once and then setting up those pages on your website so that they’re ready to send when it’s time to release them. Some newsletter services, such as Email Brain (www.emailbrain.com) even allow you to set up your newsletters to send at a scheduled time in the future-even months down the road, which automates your Marketing Machine even further.

Budget approximately 10% of your gross profit for marketing use, say the experts. Be sure that you include all aspects of creating your marketing materials, including:

o Design work

o Copywriting and copyediting

o Printing

o Mailing

o Placement fees for advertising

o Public relations

o HTML newsletter service fees

o Website hosting and domain name fees

o Website maintenance and updates

o Search engine optimization

o Trade show fees

o Referral and affiliate fees

Some businesses also include networking fees, like meeting costs and membership dues, in their marketing budgets.

Batching several projects together not only helps with timing but also with staying within your marketing budget. For example, if you plan to send several postcards in a year, you can often save money by designing and printing them together. You can also save printing set-up fees by printing all of your materials for a year at once: that way, the printer only has to do the set-up work once. You might be able to get a discount on your web hosting or HTML newsletter fees by pre-paying an entire year at once.

And make sure to set a bit of your budget aside for unexpected marketing efforts: for that press release you’ll have to send when you win an award, or for advertising in the perfect new publication for your target market.

Evaluation of Success means asking your new leads how they found you, and tracking the resulting sales and conversion rates. Make sure that each of the components of your Marketing Machine is working for you and producing results. But be sure that you give those components a bit of time to begin working: it often takes a bit of consistent repetition in marketing to see some results.

Flexibility is important as well. If you begin a new type of marketing and you find that it isn’t working after a few months, you should be flexible in your plans for your Marketing Machine. Reevaluate whether the marketing tactic just needs a bit more time or if you should revise or replace it with some other type of marketing piece.

Maintaining the Machine involves reevaluating your Marketing Machine plans at least quarterly to make sure that they are in alignment with your business’s progress and goals for the year. See if you need to add any marketing tactics or revise your plans to fit with your business’s path.

If you create a Marketing Machine that addresses all of the topics above, you should be on your way to marketing your business in a successful, well-thought-out, and manageable way. And if you implement your Marketing Machine in a consistent and repetitive way throughout the year, you should have less stress and more sales in the coming year.

Erin Ferree is a brand identity and marketing design strategist who creates big visibility for small businesses. Through her customized marketing and brand identity packages, Erin helps her clients discover their brand differentiators, then designs logos, business cards, and other marketing materials and websites to reflect that differentiation, as well as to increase credibility and memorability. http://www.elf-design.com

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The effectiveness of birth control is something that can be difficult to properly measure on many levels. Each form of birth control is only effective up to a certain percentage, with condoms being only effective 80% of the time and such. However, that is not taking into account various other factors that either the people making the chosen method of contraception or the people using it have direct control over. Regardless, the question regarding the effectiveness of birth control and which ones are known to be completely reliable will continue to be asked. That doesn’t mean that there’s ever going to be any concrete answers outside of the quasi-traditional abstinence response, but that’s never stopped people from asking before. Chances are, it never really will.

The role of the automotive advertising agency has changed to follow the new rules of the road on the Internet Super Highway. Newly empowered consumers are no longer limited to shopping for a vehicle using information provided by self serving auto dealers pushing information to them using conventional media like radio, T.V. or newspaper. Social media has allowed car shoppers to gather information from like minded customers before, during and after their shopping and/or buying experience. These online friends are playing an increasing role in the car shopping process and automotive advertising agencies are using them to influence buyers.

The new pull / push nature of the market powered by the Internet requires automotive advertising agencies to focus on people vs. product or price. Car shoppers are following their own agendas when pulling information from the world wide web that no longer requires them to rely on an auto dealer as the source. Today’s online shoppers prioritize people when selecting a dealership they are willing to do business with. That is not to suggest that product and price aren’t important. It simply suggests that all systems start and end with people and that people are the true asset of any auto dealer, automotive advertising agency or vendor!

The most obvious evidence of the priority that people play in the auto shopping/buying/service.experience is the explosive growth that social media has enjoyed as a marketing media vs. conventional radio, T.V. and print that used to dominate the automotive advertising landscape. Automotive advertising agencies recognize that people have always preferred to do business with people that they like and social networking has expanded the spheres of influence of car shoppers/buyers to include their online friends.

The market is a conversation amongst friends before, during and after the car shopping/buying/ service cycle. Auto dealers that have friends in the social networking communities are more likely to be invited to participate in the dialogue. More specifically, automotive advertising agencies realize that it is difficult to befriend a building or a website! It is the people that work at the dealership to support their families that have the story to tell to their friends and who will earn the sale — not the Chevrolet, Toyota, Mercedes, etc. — or the extended service hours and weekly specials. Saturday service hours have no appeal if the customers don’t like or trust the people that they are handing their keys to. Having a friend in the car business is a relief that trumps the best process, product or price for the average car buyer.

Automotive advertising agencies also recognize that people play a role in both the real and virtual world showroom experience which will be reflected in the number of units sold and their job performance at the end of the month. First impressions are irretrievable and they are not limited to a large inventory, clean showroom or a dealer centric selling system that processes customers in sales and/or service. The atmosphere in a well run dealership reflects the morale of the staff in sales and service which directly impacts the customers that an automotive advertising agency drives to the dealership.

A smiling sales person, service writer, operator and cashier can’t be forced as a part of policy — much like customer satisfaction can’t be bought or taken for granted by simply offering the best price; it must be earned. It is earned when a dealer or manager appreciates the individual and team contributions of his staff — and tells them so on a regular basis! It is maintained by HR departments and hiring practices that select personality over prior auto sales experience with compensation plans that reflect individual contributions along with job descriptions and defined areas of responsibility that are managed and monitored by a caring management team.

Employee retention is directly linked to customer satisfaction and customer retention and neither can be taken for granted. Automotive advertising agencies are counseling their auto dealer clients to invest in their people before, during and after they are hired to compliment their investments in automotive advertising. It is their people that will represent their dealership and it is their people who will sell their cars and service to a growing list of friends and customers.

Automotive advertising agencies have extended their areas of responsibility to include their involvement in all aspects of day to day operations at an auto dealership. Most selling systems and related processes include a meeting and greeting, an initial manager T.O. to qualify the customer’s needs, an inventory and facility walk, a test drive, a feature benefit presentation, a desking procedure, a manager T.O., negotiations, an F&I introduction, a delivery procedure and service introduction. All of these steps are then supported by a state of the art CRM/ILM, DMS and follow up system. Unfortunately, all of these well thought out procedures are only as good as the sales person who entered the customer into the system and/or who is expected to follow up if not sold or who is relied on to solicit future service and referrals.

All of these actions reflect on the job performance of the automotive advertising agency and they must be addressed as part of their areas of responsibility. Automotive advertising agencies recognize that sales training is all too often limited to a few weeks immediately after the hire and/or some outsourced trainer hired to pump up the staff. Given the complexity of a well planned selling system — as described above — how can a new hire be expected to retain everything that they need to know? Add product information and an understanding of how human nature impacts the negotiation process and — once again — the investment in the people becomes self evident.

There is a paradigm shift taking place in the way that sales and service training should be applied at a dealership and it is up to the automotive advertising agency to insure that it is understood and applied. Forward thinking automotive advertising agencies have discovered that sales and service training can’t be limited to the new hires and or as needed to motivate the staff. It must start in the hiring process by selecting trainable personalities and then integrated into the selling system in such a way that the processes teach the sales person as much as the customer. Buyers and sellers must form a habit to listen and learn from each other before they can presume to sell or buy anything. A sales person does not need to know everything — they simply need to know where to find the answers that are relevant to the customer to move them through their buying decision.

Automotive advertising agencies often rely on new technologies to provide efficiencies applied to proven old world wisdom. New mobile sales applications are being developed that promise to provide a salesperson with the right information at the right place and the right time which will integrate training into the sales process. The key is to focus on the people part of the presentation supported by the processes, products and the price rather than the other way around.

Philip Zelinger is a former auto dealer principal with an earned reputation as a nationally recognized automotive advertising expert specializing in the technology sector. His philosophy that a rising tide floats all boats motivates him to listen and learn so he can presume to teach. To that end, Philip shares best practices on the respected automotive advertising resource networking portal — http://AdAgencyOnline.Net — as well as the blog talk radio station featured on the site — WAAOL, All Automotive Advertising News All The Time — http://blogtalkradio.com/adagencyonline.

For a complimentary consultation on your automotive advertising needs, or to share your wisdom and insights with the online automotive advertising community hosted by Ad Agency Online, L.L.C. visit the portal and contact Philip Zelinger directly. To quote Philip, “Help is only a click away because — after all, what are friends for!”

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During this busy holiday season, as you nestle snug in your bed, forget the presents yet to be wrapped and settle your brain for a long winter’s nap.

Sleep specialists say the best gift you can give yourself this year is the gift of sleep. According to a study published in the September 2005 issue of the journal Sleep, the average sleep duration among U.S. adults is only 6.9 hours per night, and 39 percent get less than the 7 to 9 hours recommended by the American Academy of Sleep Medicine (AASM).

Add to that the extra demands of the holiday season – shopping for gifts after work, party preparation, waiting until the kids are asleep to wrap the gifts -and it’s easy to see why many people are more sleep-deprived than ever this time.of year.

“We see more people in sleep centers after the holidays because the hectic season took a toll on their sleep,” said Dr. Donna Arand, sleep specialist for the AASM. “You also will not enjoy the holidays as much if you are getting up early, going to bed late and are stressed out. You can’t be your best holiday self if you are fighting sleep deprivation.”

The AASM offers these suggestions for better sleep during the holiday season:

* Take time to relax. Even if you have a lot to do, allow yourself to stop at a certain point in the evening. Giving your brain time to wind down before bed will help you sleep better.

* Keep your sleep pattern on schedule. Maintain a regular bedtime and wake-up time. Other regular rituals, such as a warm bath, a light snack or a few minutes of reading, also may help.

* Plan ahead for holiday chores. Set aside time earlier in the day to wrap gifts, decorate the house, plan your holiday menu and similar tasks. To stay on track, write these “appointments” in your daily planner.

* Love eggnog? Avoid too much alcoholic eggnog or coffee at evening holiday parties. Alcohol and caffeine can inhibit your normal sleep pattern.

All parents want their children to grow up having lots of fun. Parents provide opportunities for their kids to participtate in sports and clubs of all kinds. If they are able, parents fill their home with toys and games to keep their children entertained and happy with things that are safe for kids to do. Parents should, however, see to it that their children have more than just fun. Childhood should be a time filled with learning and trying new things. Parents can combine their child’s desire for fun with their need for learning by choosing educational games.

Educational games are great because they are just what their name suggests: games that provide children with fun and promote their education at the same time. Parents who take seriously their responsibility to help their children learn new things and grow in important knowledge will be pleased to know that educational games are becoming increasingly available and popoular for kids of all ages.

Think about your children’s ages and the unique educational needs they currently have. A three year old should be learning different things than an eight year old. If you are unsure of what educational games to buy for your kids, do a little research to see what kinds of needs your kids have and then find educational games to fit those needs. Talk to your children’s teachers to get good ideas of the needs that each of your kids have. Teachers will likely be able to suggest specific skills and goals that you can work on at home.

Educational games are a great way for parents to get involved in educating their children. Consider substituting educational games instead of a sporting event or an after school club that your kids are involved in. Find ways to balance the things your kids love to do with the things your kids need to be learning. In no time you may find that your kids choose educational games on their own once their learn how fun the games can be. It is a great thing when kids begin to request that educational games be a part of family time or a game night. Families can spend hours of quality time together laughing as they learn.

You can find educational games at many stores or online. Many companies are creating a wide variety of educational games for every budget. The next time you are tempted to pick up the latest video game for your child or to enroll them in an after school club, consider instead teaching your children to love learning by purchasing educational games for them.

Direct Car Insurance is the option of buying your car insurance directly from an authorized insurance company instead of going through insurance middlemen and independent agents.

To explain let us take this example. If you are sick with pain in your joints, there are two options you can choose from. You either go to a general practitioner and he would recommend certain medicines that would ease your pain. Or, you proceed directly to an orthopedic specialist, one who specializes in illnesses related to the bones of the human body. Chances are that the bone specialist would be able to diagnose the exact nature of your ailment and prescribe maybe some medicines or exercises that will at once have better effect on your condition. The general practitioner would probably have an idea about your actual condition but may not be in a position to accurately treat it.

Something similar happens when you choose a direct car insurance policy over an indirect car insurance policy.

One may argue that it is far easier to get quotes and information on car insurance policies from multiple indirect sources, as there are plenty in the car insurance market. It may also be a better idea as these indirect car insurers offer a wide variety of services in order to keep their car insurance policies better than the rest.

This is however not without its associated costs. Remember middlemen and independent agents and such indirect car insurers are in a business and not providing you the service out of charity. They obviously are looking for their profits. While on the look of it you may be offered multiple services at some good prices, you must never forget that you are paying a higher rate for the same. The independent car insurance agents are putting in their profits into the quote. The larger these independent car insurance companies are, the higher the hidden costs.

The direct car insurance agencies, on the other hand have their benefits. If you go at first to a direct car insurance company, you will directly be in touch with the car insurance provider itself. These direct car insurance providers are usually large companies which have in house services like emergency pick up vehicles, tie ups with official car service centers, legal advisors and such important services. What happens here is that these direct car insurance providers may not have to outsource their services to other car insurance agencies? Even if they do, they have clear and set procedures that are outlined. This removes the reasons for inordinate delays in providing emergency car services, settling claims and providing interim relief through rent a car services etc.

When you buy a policy from a direct car insurance agency you also save on costs. You can get cheaper car insurance with some very good facilities. Remember it is not the amount of services that you can get but whether those services can be used when you need them.

You may even be able to work out cheaper premiums for flexible periodic payments as well when you go to direct car insurance agencies. And to top it off you may even get some free extra covers along with your standard cover as well. These come in handy and end up saving you some money at a later stage. For example you may get free extended territorial cover or the direct car insurance agency may offer extended legal liability to family members. These would be specific to the district of residence of course.

There are some direct car insurance agencies that also offer you a better premium if you insure more than one car with them. This really gets you a good reduction in your associated costs and it always helps if there is just one direct car insurance agency that has to be co-coordinated with at all times.

There are quite a few car insurance companies which provide direct car insurance and you may need to shop around a little before you actually make your decision. This will also give you adequate knowledge about what the direct car insurance agencies are offering in the car insurance market. So remember, going in for direct car insurance is in the larger picture more beneficial to your pocket!

Scott is a consultant at Direct Car Insurance [http://www.lespillets.com/Direct_Car_Insurance.html], a directory listing site with all your car insurance information needs. If you have any other car insurance questions please visit [http://www.lespillets.com/Direct_Car_Insurance.html]

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If you’re looking for the latest in wireless headphones for your enjoyment and private listening, whether to TV, stereo, home entertainment such as theater, iTunes or Ipod, you might do well to look at the highly recommended Sennheiser RS 130 wireless headphones.

These state of the art wireless headphones provide an advanced communication via FM radio frequency. The result is clear sound with no background noise or static and nearly 500 feet of free movement. The headphones have terrific surround sound effects and weigh less than ten ounces. They are ergonomically designed to provide hours of comfort.

The features of the Sennheiser RS130 wireless headphones include a base station for the headphones that is attractive and stores the headphones whre they are not in use and also charges the batteries. Batteries are NiMH type, and their single charge keeps them going for 22 hours of your listening enjoyment. The wireless headphones base station has a 900 MHz high performance transmission, also wireless, that delivers a playback that is very impressive in its high fidelity capability. Its transmitters use Sennheiser’s customized system of intelligent automated tuning. This seeks and then chooses the best of three channels from base to headset that are available for delivery of sound to the wireless headphones.

A music professional and online consumer music advocate reviewed the Sennheiser wireless headphones. He noted the worldwide acclaim of all Sennheiser audio products as well as its firm’s state of the art designs and manufacture. He said that the Sennheiser RS 130 wireless headphones lived up to the Sennheiser quality reputation by delivering a high performance sound, as well as top notch value and ergonomically designed comfort.

He said that he tested the Sennheiser wireless headphones both inside and outside, in conjunction with his speaker system – a ZVOX 315 – and his iPod.

The ZVOX 315, by the way, is a surround sound single box speaker system that uses a single cable to connect to an mp3, an iPos, portable music instrument or equipment, or a computer, TV, CD player, DVD, satellite or clock radio, game console or any other device that has a jack for headphones or an audio output of some sort.

He also used his iTunes from his laptop. What he found was that the Sennheiser RS 130 wireless headphones gave him unparalleled listening without any disruptive noise. His recommendation was that anyone who was looking for a set of wireless headphones for less than $200 to be used with their iPod, their iTunes, their TV, stereo, or home theater, didn’t need to look anywhere else.

With the countless web sites, advertisements, legal jargon and complex issues surrounding structured settlements, it is easy to become overwhelmed and frustrated when you are simply searching for answers and straightforward information. Whether youve received a structured settlement already, or if you are just trying to better understand them, youve come to the right place for sifting through the messy details.

What is a structured settlement?

A structured settlement is a series of guaranteed payments (annuities) made over a certain period of time and is usually the result of an injury settlement or another situation in which you are awarded access to a substantial amount of money. It is the alternative to accepting an upfront lump sum.

Structured settlements are individualized plans meant to help you cover present and future expenses. Working closely with an experienced attorney can help you to determine an effective structured settlement to give you the security of a fixed income over a set period of time.

Example how it might work: Melissa is injured in a serious car accident and is now unable to work for the next year. As a single parent, she has two young children to care for, not to mention her mounting medical expenses. She knows that she has to pay $25,000 in medical bills at the present time, and she knows that she will need surgery in a few months that will cost an additional $20,000. Her structured settlement can be set up to give her a lump sum to pay the present medical expenses right now, and be structured to give her an additional lump sum at the time of her surgery. It can also give her additional monthly payments equal to her salary for the year that she is unable to work, including an additional monthly payment to hire someone to help her care for her children while she is recovering from her injuries and medical procedures. Once Melissa goes back to work, monthly payments might cease or be reduced.

Types of Structured Settlements

Designated Period / Period Certain Annuities: Annuities with a designated period of time for the payments to be paid out. They can be made monthly, quarterly, semi-annually, annually, etc. Upon your death, all remaining payments are made to you beneficiary.

Life Annuity: Periodic payments for a guaranteed number of years (based on your life expectancy) or for life, whichever is up first. Again, the beneficiary receives any remaining payments should you die before the full amount is paid.

Temporary Life Annuity: Pay you for a designated number of years if you are still living, so your annuity ends when you die. Theres no provision for a beneficiary to collect remaining payments.

Life Contingent Lump Sum: Youll receive a lump sum, provided you are alive on the due date. If you die before this date, your beneficiary is not entitled to the amount.

Lump sum: You can set it up to receive the lump sum on a particular date, say, fifteen years from now. Your beneficiary will receive the lump sum on the future date if you have died before then.

The Details

Though structured settlements contain a great degree of flexibility during the decision-making process (how much money do I need now, how much money will I need in the future, what are my present needs?), once you agree to the terms and sign the agreement, you can NOT alter the provisions. It is highly recommended that you have an attorney and trusted broker help you to determine the best payment methods for your situation. You might want to ask the broker to come up with several different scenarios and payment schedules so you can get a comprehensive look at your options.

So, even if your situation changes down the road, your payments will not. Thats why it is extremely important to be thorough and careful when creating your payment schedule.

Inadequate Payments

Unfortunately, life has a way of throwing off our well-thought-out and well-intentioned plans. Even if youve done all your homework, shopped around for the best broker, interviewed many attorneys and carefully planned an effective payment schedule, you may still incur a large unexpected expense.

Should this kind of situation arise, and you are strapped for cash, you would love to be able to make some adjustments to your settlement plan. Of course, this is prohibited. But you do have another option. You might consider selling a portion or all of your remaining structured settlement payments to an interested third party.

Deciding to sell

Before you decide to sell, think about what you want/need the money for. An immediate medical expense, buying a home or the decision to go back to school are usually considered good reasons. Examine your needs and the needs of your family as well. Perhaps you want a new home. Do you have children approaching college age? If so, youll not only incur significant tuition expenses, youll also have less of a need for a larger home.

Selling your payments will result in a loss from the full amount. Consider whether or not it is important for you to sacrifice the security and future total amount before you make a decision. You will have to understand the implications, benefits and pitfalls so you can feel comfortable making an informed decision.

Will I get the full amount that I would receive over a period of time?

No. The amount you would receive over a period of time is calculated by adding interest to the principal amount. Instead, you may receive the present-day value of the amount. This present-day value may have to be further discounted to cover the costs to do the deal. The rest will be sent to you in one lump sum. You might want to shop around to find out where you can get the best deal.

Court Order

To ensure that you will not be taken advantage of in this delicate process, the government introduced a new federal law in 2002 that requires you to seek court approval when you sell your structured settlement. This law works in conjunction with state laws to direct how the transaction will be completed.

Not only does this law protect you, the seller, it also helps the insurance companies who fear that they will face tax consequences as a result of the sale. The law states very clearly that annuity owners and providers do not and will not owe taxes as a result of this transaction. This breaks down the barrier that you might normally face from a reluctant insurance company.

Selling Options

You do not have to sell the entire remaining amount, or any particular amount, if you so wish. Here are your selling options:

Full amount: The purchaser calculates the present-day value of the payments and offers a lump sum

Part of the payments: Only a specific number of the future payments are sold at their present-day value

Percentages: You may sell a percentage of each payment and keep the remaining balance for yourself

Pitfalls of Selling

Shady brokers. Selling your payments will require you to contact a broker who can help take care of the proceedings. This means that you might run into some game-playing and/or manipulation tactics if you happen to be dealing with a shady broker. They may promise you a high quote, only to come back and say that they cant do the deal as is unless they get more money from you. Other brokers may claim to be qualified when they have only completed a week-long course. Make sure youre dealing with a broker who has a couple of years experience in structured settlements and is a member of the Better Business Bureau.

You end up losing money. As mentioned earlier, you will not receive the total amount youd receive over time if you opt for selling your payments. Therefore you lose some money and the security of future payments.

It takes time. Though the federal law requiring court oversight in these proceedings helps protect you, it also delays you from receiving the money as soon as you might have hoped. If you need the money right away, this could frustrate you and hinder your plans for prompt payment. Normally once you decide to sell your payments the process can take as little as 4 weeks and as long as 12 weeks to obtain the court order and for you to receive your lump sum.

Benefits of Selling

The main benefit of selling your structured settlement payments is, obviously, that you will receive a lump sum of cash for which you can utilize in any way you choose. This gives you increased flexibility in using your money, and can provide peace of mind if you have an immediate expense that couldnt be paid any other way.

It is Sunday night. As your head hits the pillow, you decide that this week you really will stick to your diet and exercise regimen. You will not have your usual doughnut in the morning at the coffee shop. You plan to have a salad for lunch and skip dessert after dinner all week. You will also head for the gym after work before going home three times this week.

It seems like a reasonable plan and you have every intention of sticking to it. But as you pick up your coffee on Monday morning, you just cant help ordering a doughnut too. And since you have already ruined your diet for the day, you grab a fast food meal for lunch, skip the gym and have a big bowl of ice cream after dinner. If this sounds at all familiar to you, read on.

The truth is a lot of people have this mindset when it comes to their health and fitness. They tend to give up when they slip up. But in reality, people who find success will fail many times before they succeed, no matter what their goal.

Consider one of the greatest inventions of Thomas Edison. It has been said that it took him 10,000 attempts to make a working light bulb. Lesser inventors would have quit after ten, one hundred or even one thousand trials. But Edison defined failure as a step toward his goal, not a reason to give up on it. It was as if he realized that he would have to find 9,999 ways not to make a light bulb before he could achieve his goal.

Try applying this method to your health and fitness. Realize that you will make countless mistakes on your way to achieving your objectives. There will be many missed workouts and loads of poor food choices along your road to success. Remember that you will find many ways not to achieve your goal before you triumph over it.

The trick is to learn from these mistakes and move on. Realize what went wrong and how you can avoid similar situations in the future. Can you make coffee at home so you are not tempted to buy a doughnut at the coffee shop? Can you find an exercise buddy who will make you less likely to miss workouts? Can you make an activity-based date instead of a meal-based date with your friends or significant other?

From now on, when it comes to your goals, dont use failure as an excuse to quit. Instead, see it as a way not to achieve your goal. Then, get back on the right path and keep at it until you get to where you want to be.

copyright 2006 Jennifer D. Wetmore, DPT

Reality Therapy is a counseling method that was developed by Dr. William Glasser in 1965. However, it is so much more than a counseling technique. Reality Therapy is a problem solving method that works well with people who are experiencing problems they want help solving, as well as those who are having problems and appear to not want any assistance. Reality Therapy also provides an excellent model for helping individuals solve their own problems objectively and serves as the ideal questioning series during coaching sessions.

The underlying key to Reality Therapy is the relationship that is established with the person who needs the help. This is most critical when you are attempting to help someone who doesnt really want your help, such as a non-voluntary client, a resistant student or your sometimes even your own child. Without a positive relationship, you have no influence. To your helpee, you sound similar to the way adults sound in the Peanuts cartoons, Whaa, wha, whaa, whaa, whaa. Your helpee doesnt hear you without the relationship. Gary Zucov says, Relationship is the root of all influence. This is certainly true. You can have all the knowledge in the world but if the person you are attempting to help doesnt believe you care and have their best interests at heart, they, most likely, will not be listening to you.

So how do you build a relationship? Reality Therapy provides a model by instructing helpers to create a need-satisfying environment. The five basic needs of all humans are survival; love and belonging; power; freedom and fun. So, in a helping relationship, the helper must create an environment where it is possible for the person being helped to feel safe; to feel connected to the helper in some way; to be listened to and respected; to have some choices; and to have some fun or learning with the helper. After creating this need-satisfying environment and working hard to maintain it throughout the relationship, the helper can move on to the actual problem.

After hearing the persons story, the helper needs to determine what the ideal solution would look like from the other persons point of view. So, for example, if the person were complaining about a fight he had with his girlfriend, ask the question, What do you want to happen? How do you want this to work out? It is critical to get a specific picture of what the ideal solution will look like from the perspective of the person experiencing the problem. The helper is leading him or her away from the problem and into a problem-solution mode. In this way, the focus is off the past and the problem, which cannot be changed. The focus instead is on the behavior the person can create to move himself in the direction of the solution he wants.

The next step is to take an inventory of all the things the person is doing to attempt to get the situation to work out the way he or she wants. The helper asks the person to list the steps he or she is taking to move closer to his or her goal. Typically, the person will only list positive things, but the helper needs to ask them to consider everything he or she is doing that is both helping and hindering his or her progress. It is even acceptable for the helper to add in some observations of his or her own. The point is to get as complete a picture as possible. In addition to considering ones outward behavior, ask about their thoughts, feelings and physiology (if appropriate), as well.

The next step is the most crucial in the entire process. In the next step the helper asks helpees if their current behavior is likely to get them what they say they want. This is the step where the helper comforts the afflicted and afflicts the comfortable. If the person is already aware that what he or she is doing is not working, then they are already in distress and ready to try something different. So the helper comforts the afflicted by helping them find a solution. On the other hand, if the person is unaware that he or she needs help, this will be the step that drives the point home. Answering this question is likely to afflict the comfortable by holding up a mirror of their own behavior and asking if it is likely to be effective in getting what he or she wants. If the answer is no, then they generally experience enough discomfort to at least look at some alternatives.

The final step in the Reality Therapy process is to help the helpee come up with a plan to do something more effective. This is best accomplished by helping the person focus on those things that are within his or her controlhis or her own thoughts and actions. We dont help a depressed person by simply saying, Cheer up! People cannot directly control their feelings but they can directly control their actions and thinking. Similarly, people like to focus their time and attention on what others could and should do to give them what they want but attempting to control others is generally a fruitless activity. Helping people to focus on changing their own behavior and thoughts is generally the goal of Reality Therapy.

Of course there are many subtle nuances to the process and I have only provided a thumbnail sketch of the process, but you can easily see a variety of applications as mentioned in the introduction to this article.

Summertime is officially approaching, and there are many things that everyone must do in the summer. I absolutely love summer, so my friends and family know to be ready for endless days and nights of fun as soon as summer rolls around. I just love summer. I love the fact that it is warm enough to be outside for as long as you want without having to bundle up, and I love that I can never run out of fun things to do with the people I love the most. I’ve started making a list of things that must be done at least once each summer, and going to a waterpark is on the top of the list.

There are few ways to spend a day that is as fun and relaxing as a day at a waterpark. Whether you live on water, near water, or if there is no water anywhere near your home, you still need to go to a waterpark. Even the biggest and most beautiful lakes in the world cannot be a substitute for enjoying some time at a waterpark, so don’t be fooled. A waterpark provides fun for people no matter what they like to do or how active or relaxed they hope to be.

Another thing I love about visiting a waterpark is that they usually offer such a variety of things to do that people young and old will all find things they enjoy at a waterpark. You can take your grandmother and your young daughter and they will both find great ways to spend their days. I love it that all waterparks offer such a huge variety of activities. They are inclusive in nature so that fun is had by all.

Especially if you do not live near water, visiting a waterpark is essential when the summer turns from warm to unbearably hot (which it eventually will). There is nothing like getting refreshed in water to make the hot summer days tolerable. And there is no better place to be refreshed than at a waterpark.

Look for a waterpark near you before you plan your summer family vacation. See what kinds of deals you can get by planning ahead or by taking a crowd of people. Compare different waterparks and see what they have to offer. Be sure you choose a park that you and everyone you bring will equally enjoy. And have fun. A great summer day at the waterpark awaits you!

It has been a long and raging arguement that the abstract expressionists of the 50′s, 60′s and 70′s were very busy contemplating their own navels and trying to find the “zen” in everything they did.

I would argue that they were in fact just one very important example of the hungry sleep-drugged soul seeking a way to be heard. However, many artsists of those times, and indeed today, would flatly deny anything remotely to do with spiritual things – or worse still – religious things.

Take, for instance, one of my favourites – Mark Rothko. This tragic artist committed himself to the task of producing massive canvases with many vaguely resembling the outline of a window – especially an after image once the eye has closed. His vast expanses of colour seemed to hunt out a corner or edge in a desperate attempt to complete, or conclude, the picture. Not satisfied with that he went on to give up titling his work saying that he did not want to influence the onlooker in any way. Ironically he failed … and sadly took his own life. For me his works speak of wonderful tantilizing clues visually demonstrating the struggling spirit seeking (and succeeding!) in revealing herself – now that is real influence! Let me explain by an apparently unrelated route:

I seek to assist my own spirit in attempting to make manifest even the tiniest, most pathetic, weakest fact that the spirit in us all is not only just trying to communicate with us – but is in fact actively seeking to set the whole human balance right … which is the spirit leading the mind and body back to her source – not the other way round – the mind and body leading the blinded soul to … well, eventually death.

Not so long ago I came across the writings of Meister Eckhart, a fourteenth century Christian mystic. His words amazed me. He described in his many sermons what he believed to be the truth as to why we are here. He also revealed many tantilizing “images” of the spirit from the least angelic being right up to God Himself. His descriptions were … how can I put it simply? … abstract!

In one of his sermons he described God as … “unknowable” … “not able to be understood” … “undefinable”. In another he made a statement (one of many which may have contributed to him being accused of heresy!) “People say God exists … God does not exist … ” left out of context that would be a truly blasphemous assertion. But he went on to say that “… God is far greater … God is beyond existance”. These and many other controversial sayings have impressed me so much that I have come to “see” God as an abstract entity – not, I hasten to add, an anarchic abstract form – but rather a God far more powerful, far more greater – than I can imagine … in other words totally undefinable. Rather than this putting a distance between me and God, it has done exactly the opposite. And when Eckhart began to describe the life of Christ in an almost completely abstract way – Eckhart said that Christs life was the greatest example of the seeking and finding the uncreated source of the pure soul – my imagination began to run like a film of frenzied obscure visuals. Eckhart has become, to me, the patron saint of abstract artists.

The beauty of Eckharts enigmatic words are intensely inspiring. What better way to illustrate his poetic writings than to describe Gods “isness” in the very basic form of a gigantic flat area of one saturated colour untainted by anythingelse. Strangely enough this could be part of an exact description from one of Rothko’s immense, sometimes almost monochromatic, paintings.

But this is by no means the whole story … one of Eckhart’s contradictions said that on the one hand God is totally unapproachable, yet at the same time God is actually very, very approachable …

However, that is another article.

It happens every time during your Caribbean sailing charter. You are relaxing onboard in a peaceful, idyllic anchorage – the crystal clear turquoise water gently lapping against the hull- when suddenly, the warm tropical breezes lure you ashore like a siren song with the sound of a party! Every year, the Caribbean plays host to hundreds of different parties ranging from religious celebrations, music festivals, fishing tournaments, sporting competitions to sailing regattas. No matter where you go, a party in paradise can almost always be a part of your Caribbean sailing vacation. The greatest party, however, is the annual Carnival celebration. Basically a street party, it is a fun mixture of party, theater, art and folklore tradition. For each island, the annual Carnival is big business, and preparations for the next one begin almost the day after the last one ends.

The history of Carnival celebrations began hundreds of years ago in Italy where Catholics held wild costume festivals right before Lent. Since they were not supposed to eat meat during Lent, the festival got the name, “Carnevale”, which means “to put away meat.” The famous Carnival celebrations eventually spread to other Catholic countries, including France, Spain and Portugal. As Catholic Europeans set up colonies and entered the slave trade, Carnival took root in the New World as well.

Today, Carnival celebrations are found throughout the islands. They have been transformed, however, from those original Italian costume festivals to something distinctly Caribbean that differs from island

to island. The Caribbean Carnival is a blending together of many European cultures, as well as African dance and music. Important to the celebration of the Caribbean Carnival is the African traditions of parading in costumes and masks and moving in circles through villages in order to bring good fortune, heal problems and calm angry spirits. Carnival is an important way for the people of the Caribbean to express their rich African cultural traditions by creating elaborate masks and costumes. It takes months and a lot of energy and creativity to come up with a concept and develop costumes for the dancers to depict a common theme.

When Carnival first began, it was celebrated from December 26th until Shrove Tuesday (the day before Ash Wednesday). Still using this traditional time, Trinidad has the largest carnival, with daily events for four weeks leading up to Shrove Tuesday. The last two days are the frenzied culmination of all the parades, the largest floats and the final competitions to decide the winners of various contests.

Other islands hold their carnivals at different times so as not to clash and allow people to enjoy several celebrations during the year. If you are planning a Caribbean sailing vacation, check with each island’s tourist office to get a schedule of events. It is great fun to plan a charter around Carnival. Although each island may hold Carnival during different times of the year, there are some common elements to the celebration. Many of the islands will use Carnival as the perfect occasion to commemorate other events in the island’s past. All will include elaborate costumes (Mas) worn by many people. Colorful floats and street parades (Pan) are accompanied by lots of music (especially Calypso) and bands, and there is usually an elected King and Queen.

Following is a glimpse of Carnival celebrations throughout the islands:

British Virgin Islands

The biggest event in the BVI, this Carnival goes by two names. Some locals refer to it as the, “August Festival”, while others call it the, “Emancipation Festival.” It begins July 1st and ends August 31st. This annual celebration marks the 1834 Emancipation Act which abolished slavery in the British West Indies. All the islands celebrate with events taking place across the region, although most celebrations are held in Road Town, Tortola. Visitors are in a for treat including live music, dancing, street performers, parties, parades and food and drink booths laced with a distinct Caribbean flavor. A hotly contested calypso competition leads to the coveted crowning of the Calypso King. There is also a competition for a festival Queen. Events not to miss include the food booths set up near the waterfront in Road Town; the children’s pageants; calypso, reggae and costume competitions; bands on huge sound trucks cruising the waterfront accompanied by crowds of dancers; steel bands on floats; all night parties and the grand costume parade.

St. Martin/Sint Maarten

This island is unique because it has a French and Dutch side-both of which are extremely distinct from one another. The way in which Carnival is celebrated is also distinct, depending on which side of the island you are on. Since French St. Martin is considered a part of Guadeloupe, see below. Carnival in Dutch Sint Maarten begins with the Balloon Jump-Up after Easter and lasts until April 30th, the birthday of Queen Beatrix of the Netherlands. The Balloon Jump-Up celebrates the opening of Carnival Village, an area two blocks from Front Street that houses more than 100 food booths. The Jump-Up parades are a top Carnival attraction with their brightly costumed dancers, floats and live bands. The largest of the processions is the Grand Carnival Parade, which features elaborately dressed Carnival dancers winding along a four-mile route. In between parades, spectators are entertained by steel drum bands from other Caribbean islands. Competitions (especially Calypso competitions) are an integral part of the festivities. A traditional art form of the Caribbean, Calypso competitions test the improvisational and narrative skills of a solo performer. The winner goes up against the previous years’ Calypso King or Queen in a battle for the new title. The day after a new Calypso monarch is crowned, a Jump-Up Parade called Jouvert (pronounced Jou-vey) begins at 4 a.m. and lasts until sunrise. The grand finale to Carnival is the Last Lap Jump-Up, lead by King Momo, the straw figure who reigns over Carnival. The burning of King Momo signals the end of Carnival. Local folklore is that he takes the sins of the villages with him, thus leaving the island pure.

St. Barths

St. Barths is one of the three countries in the world where Carnival actually ends at the end of Ash Wednesday. It officially begins the Saturday preceding Ash Wednesday, but unofficially starts the day after New Year’s Day. During this unofficial time, the Carnival associations begin rehearsals in the street and people spend their time making the beautiful floats for the parades. The official start of Fat Saturday (Samedi Gras) is an all night dance party. The king of Carnival is King Vaval – a giant mannequin. He is featured with revelers and floats on Fat Sunday (Dimanche Gras) when people enjoy Jump-Ups during the day and all night parties. There are parties every night during the official celebration of Carnival. On Fat Monday (Lundi Gras), everyone dresses in red for the day of the red devils. The costumes are beautiful works of art decorated with glitter and reflective silver. Finally, Ash Wednesday is the day everyone dresses in black and white for the funeral of King Vavel. Festivities continue until 7 p.m. when the straw figure of King Vavel is burned, marking the end of Carnival.

St. Kitts and Nevis

Carnival on St. Kitts and Nevis officially begins on Christmas Eve and ends on New Year’s Day. The unofficial start occurs months before with costume making and float building. The Carnival season consists of many different activities such as beauty pageants, street jamming, calypso shows and competitions, masquerades, mocko jumbies and other traditional folklore.

Antigua

The Antigua Carnival dates back to August 1, 1834, when slavery was abolished and locals went to the streets to joyfully express their celebration of freedom. The celebration continued until 1957, when it was officially declared Carnival. Antigua’s Carnival always takes place around the last week of July through the first week of August. The ten days of revelry includes marches, parades, Jump-Ups, shows, and dances to the beat of Calypso. The Antigua Carnival is a great time for visitors on a Caribbean sailing charter to immerse themselves with the culture of this island. During Carnival, St. John teems with street performers, food and drink booths. Pan Ban- steel pan orchestras- are followed by dance troupes wearing intricate costumes. The lively event culminates with a massive road party called Jouvert, (meaning “day break”), where everybody is on their feet dancing to the beat of steel drums.

Montserrat

Carnival in Montserrat is celebrated between Christmas and New Year’s Day. The festival includes steel bands, Jump-Ups, King and Queen competitions, and parades. One of the highlights of Carnival is the calypso competition finals where performers dress up and act out their calypsos. Calypso is usually a social commentary about things that are going on in the island as well as feelings about the current government. There is usually a double entendre and the songs tend to be quiet risqué. The winner of the competition is awarded prizes and celebrity status on the island, and they will represent Montserrat in the inter-island competitions. Besides the calypso competition, Carnival also includes steel bands, sporting events, barbecues, and dancing contests.

Guadeloupe

Guadeloupe’s Carnival also finishes on Ash Wednesday. Rehearsals begin in January, with groups disguised in costumes dancing and singing in the streets. Carnival reaches its feverous pitch between Shrove Sunday and Ash Wednesday. Shrove Sunday begins with parades, dancing, costumes, masquerades and street parties. On Shrove Tuesday, pajama clad masqueraders dance throughout the day. On Ash Wednesday, Guadeloupe’s unique celebration of Carnival is apparent as revelers dressed up in black and white he and she wolves take to the streets. That evening, with people dancing and dining, Carnival comes to a close with the cremation of King Vaval. Midway between Carnival and Easter Sunday, Carnival is revived for one day at Mid-Lent Thursday, where revelers, depicting themselves as devils, dress up in red and black costumes.

Dominica

Mas Domnik is held at the traditional pre-Lenten time. During the ten day celebration, there are lots of activities taking place around the island. It is a feast of calypso shows and street Jump-Ups. The opening parade kicks off Carnival. The Queen contestants, calypsonians, the most popular bands, people in sensay costumes, moko jumbies, cheerleaders and many more people parade through the streets in a kaleidoscope of colors encouraged by a huge crowd of onlookers. Throughout Carnival, there are calypso competitions, costume contests, street jams, sensay festivals and beauty pageants. On the two final days of Carnival, music, culture and people merge to celebrate with costumes, bands and parades. The final event takes place on Ash Wednesday with the burning of the Carnival King and the beginning of Lent.

Barbados

Beginning in May and continuing throughout the summer with various events, Crop Over is Barbados’ biggest, loudest and best-loved festival. Dating back to the late 1700s and early 1800s, when Barbados was one of the biggest sugar producers in the world, the end of the sugar cane harvest was celebrated with big parties. Today, the celebration continues with more flamboyance and extravaganza. The event officially begins in early July with a ceremonial delivery of the last sugar cane harvest and the crowning of the Carnival King and Queen. The following five weeks is marked by a heady mix of live music (including tuk, calypso, soca and street bands), dancing, food and craft markets, cultural presentations and much more. The Pic-O-De-Crop is part of the Carnival celebrations and is a part of a fierce competition to pick the best calypso band. The best bands then compete against one another in a bid to win the honor of taking on the reigning Calypso Kings. This is a great community event. Carnival culminates with a parade called, “Grand Kadooment.” Costumed bands take to the streets for the final competition for “Designer of the Year” crown. Revelers dressed in elaborate costumes depicting various themes wind their way through the streets, dancing as DJs play the most popular music.

St. Vincent and The Grenadines

Vincy Mas, as Carnival has become known since 1977, was first celebrated as a pre-Lenten festival by French colonists in the late eighteenth century. The observance of Carnival as a celebration of the privileged class continued under the rule of Great Britain, who celebrated the four days preceding Ash Wednesday as their annual, “Masked Balls”. With the coming of freedom, the ex-slaves took Carnival to the streets introducing African cultural traditions. In 1872, the colonial authorities attempted to ban the celebration. On February 11, 1879, Vincentians decided that Carnival would be celebrated, ban or no ban. The people resisted the armed forces of the empire, leading to riots in the streets, and the St. Vincent Carnival Riots became part of the island’s history. The peoples’ festival continued to grow until 1973, when the Carnival Development Committee took charge to put resources into the planning and organization of the carnival. In 1976, the CDC decided to change the dates of the official celebration of Carnival, and the rest is history. Beginning the end of June, Vincy Mas today is a ten day festival of Pan (panorama), Calypso and Mas (costumes), where society becomes classless and non-racial. The streets of Kingstown become a hive of activity with around the clock excitement. Vincy Mas is filled with mirth and gaiety. The streets are filled with the constant hammering of DJ music blaring out of temporary bars. Various competitions, including costumed bands, Queen Shows (beauty pageants) and calypso are all part of the celebration. If you are on a Caribbean sailing charter, you will be overwhelmed by the riot of color, clash of music, display of talent and the teeming mass of humanity that overtakes the island during Vincy Mas.

Grenada

Carnival is one of Grenada’s biggest annual festivals. Renowned for its color, creativity and unique cultural character, Carnival celebrations are held during the second week in August, just one week after Emancipation Day festivities. Although each parish has its own brand of traditional costume or mas, the main Carnival action is in the streets of St. George’s. Festivities begin in July with the opening of various calypso tents, where singers vie for a chance to compete in the National Calypso Monarch Competition. In early August, Carnival celebration gains momentum. Every night of the week, there are cultural presentations and calypso shows, while steel bands rehearse for the upcoming Panorama competition. Carnival week proceeds with the National Carnival Queen show, the Soca Monarch Finals, and the Panorama Steel Band Competition. Carnival Sunday brings the Dimanche Gras Show- featuring the Kings and Queens of the Fancy Mas Bands in competition for King and Queen of Carnival. From dawn on Carnival Monday, the streets of Grenada’s towns are filled with traditional masqueraders depicting Jab-Jabs (devils) and social commentaries of the highlights of the past year (Ole Mas). Spectators, and masqueraders alike dance in the streets to the sound of steel bands and popular music played by DJs. On Monday afternoon, the fancy or pretty bands appear on the streets as they make their way to the big stage for the fierce Band of the Year competition. The street party continues late into the evening as the Monday Night Mas Bands weave their way through the streets dancing and waving brightly colored fluorescent lights and continues until the early hours of Tuesday morning. On Carnival Tuesday, spectators and masqueraders again dance through the streets with the fancy bands. The party continues until midnight, when the official Carnival celebration ends.

Although the dates of the music competitions, Jump-Ups, food booths, beauty pageants, costume parades and others activities that make up the festivities vary from island to island, Carnival celebrations are held annually through the Caribbean. Even though each island may have its own twist to the event, it is an opportunity for the people of the Caribbean to express themselves artistically and socially. Carnival is a celebration of the sheer joy of life! Regardless of what your social status is or the color of your skin, everyone, including spectators, is a part of the celebration. No matter where you go, you do not need an elaborate festival to have a great time in the islands, but a Carnival celebration can be a fun part of your Caribbean sailing vacation.

Remember, “Dis party can’t done ’til morning come.”

Donna Wolfson also know as “Sailgirl” at Virgin Island Sailing, has been sailing in the Caribbean and writing about it for years. Learn more about Catamaran Charters.

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

Inevitably in life, we will face disapproval or rejection from others. It might be a family member, friend, employer, or even a stranger. They might disagree with the way we live our lives, the decisions we make for ourselves, or even who we are. They might belittle our dreams, criticize our goals, or make hurtful comments that reveal a low opinion of us. These experiences can be quite painful, because we all want to be liked and accepted. We all want to be supported and nurtured and loved by those around us.

Being rejected or ridiculed by others (especially if it’s a frequent occurrence) can cause us to question our own self-worth and value as a person. We begin to wonder if maybe they’re right. Maybe we’re not lovable enough, or talented enough, or “good” enough to be accepted. Following this line of thought for any length of time can be incredibly damaging to our self-confidence.

While it’s normal to have a few moments of uncertainty when we are rejected, the worst thing we can do is internalize the negativity we recieve from others. Just because someone has a low opinion of us does not mean we have to accept it as our truth. They can only come to their conclusions by looking at us from the outside. They don’t feel our feelings, think our thoughts, or experience the things we have in our lives. They are seeing us from a completely different perspective than our own.

To complicate matters even further, their own life experiences, thoughts, and feelings can easily be projected onto us, so they may see something that doesn’t truly exist, except in their own mind.

So, how do we overcome this? How do we avoid letting other people’s negativity erode our belief in ourselves? There are three major points to keep in mind:

1) Reinforcement = Strength. Think of positive thoughts as the antidote to any negativity that comes your way. Feed your mind empowering, positive thoughts daily, preferably several times a day – and most especially after you encounter negativity from another. The stronger you can build up your belief in yourself, the less you will care about others who insult you, ridicule you, or reject you. You won’t be looking to others for your sense of validation or approval, because you will already have your OWN approval.

2) Conserve Your Energy. While it might be tempting to try to explain, defend, or prove yourself to someone who rejects you, this is usually a waste of your time and energy. Once someone forms an opinion of you, they are unlikely to change it. The more you try to change their minds, the more stubbornly they will dig their heels in and resist. So, simply release your need to prove yourself and accept that they are entitled to their opinions. Their comments and opinions cannot detract from your belief in yourself, unless you allow them to.

3) Limit Your Exposure. Once a person reveals their negative opinion or directs hurtful comments your way, you might want to avoid spending excessive time with them in the future. This becomes more difficult if it is a family member that you can’t just shut out of your life completely. But you can still set boundaries and limit the amount of time you are faced with negativity.

Finally, remember that no one else can define you, or live your life for you, or take away the beauty and uniqueness that is you. They may try, but they won’t be successful unless you allow it.

If you instead choose to turn away from the negativity and focus on building a solid foundation of belief in yourself, the negative comments will cease to matter to you. You will go on to create a fulfilling, successful life that reflects exactly who you are, regardless of what others say or do.

Did you know that the turkey you thawed on the kitchen counter, instead of in the fridge, could now contain bacteria levels high enough to harm human life, even though you cant see, smell, or taste it?

Theres nothing better than a home cooked meal during the holidays. But, with all the special effort that goes into making one, everything will be for naught if the food has not been stored, prepared, or cooked properly.

Food experts agree that the safe handling of food should be the top ingredient in any recipe.

While they may not turn you into a gourmet chef, following these simple food-handling tips will keep your family and guests safe from unpleasant, and sometimes life-threatening, food-born illnesses.

When buying raw meat. keep juices, which may contain bacteria, from contaminating your hands or anything in your grocery cart. Plastic bags work great for this purpose.

Meat should also be picked up at the end of your grocery shopping and should not be placed in the same bag as fruits and vegetable.

If you plan on storing your meat for 2 to 3 months in the freezer, make sure you buy some freezer proof wrap. The wrap that the store uses is designed to allow air into the meat product and is, therefore, not good for freezing. This is because beef products turn from a purple color to a bright red when exposed to air, making them look fresh, but if left too long will promote bacteria growth.

Defrosting should be done in the refrigerator or in a sink full of water, changing the water about every 45 minutes. A refrigerator allows the meat to defrost in a controlled atmosphere, slowing down the growth of bacteria. Never defrost your meat on top of the counter at room temperature. This can quickly become a bacteria breeding ground. The growth rate of bacteria multiplies rapidly between 40F (4C) and 140F (60C).

Once meat has been thawed it must be either cooked immediately or placed in the refrigerator and then cooked within 24 hours. Never refreeze meat. Most meats and poultries only have a safe fridge life of 2 days, whether stored after thawing or purchased fresh.

When handling raw meat, wash your hands before and after. Also, wash counters or plates you plan to reuse in the preparation process if they have had raw meat on them, as they will also contain harmful levels of bacteria.

As humans, we also carry harmful organisms on our skin which, when spread to food, produce a toxin that normal cooking cannot destroy. Therefore, it is essential to wash our hands thoroughly with soap and water prior to handling food, as well as cover open cuts.

While beefsteak can be cooked to varying degrees of redness, turkey must be completely cooked. At the innermost part of the thigh, the temperature must reach 180F (82C) for a stuffed turkey and 170F (77C) unstuffed. Stuffing in the cavity should read 165F (74C). Cooking times vary with the weight of the bird.

It is important not to keep the thermometer inside the oven with the bird as it could be affected by the ovens hot air and provide a false reading.

Plan your cooking ahead of time. Do not partially cook the bird, refrigerate, and then complete the cooking process, as this will produce dangerously high levels of bacteria.

Cooked food must be refrigerated within 2 hours, which means that you need to plan your meal so that it can be eaten shortly after being cooked.

Refrigerated leftovers should be eaten within a couple of days, which includes turkey gravy, fish, and eggs. Meat casseroles and pies, rice, potatoes, and cooked noodles will last 2 to 3 days, while cooked meat, chicken, turkey, turkey stuffing, and many soups may last up to 4 days before bacteria levels reach critical points.

Using safe food-handling practices allows for healthy eating. The rest is a matter of taste.

If youve spent any time at all browsing through forums on teaching English in Japan, youve probably run across more than a few horror stories. Topics range from work.ng hours and conditions way in excess of whats in the contract, to horrible living conditions and exorbitant rent. Some of this is avoidable if you take a careful look at your contract and ask the right questions before you take a teaching position. One of the most important part of the contract are the contact hours. Well look at this first.

Contact Hours What They Are

Contact hours are actual hours spent teaching or being in contact with the student. The industry standard for full-time sponsored ESL instructors is 22-27 per week. They are not the same qualitatively as office hours. You cant get up and get a glass of water, chat with a friend at the water cooler or check your e-mail during contact hoursthough you can during regular office hours at most regular jobs.

The point is — if you directly compare office hours and teaching contact hours, youre comparing apples to oranges. 45 contact hours will grind you into the dirt in no time (in addition to being illegal) whereas 45 office hours wont. Be careful when you look at ads. And dont be afraid to ask questions.

Another point to consider when you sign a teaching contract is contact hours and stated hours. Often schools will state 22-25 teaching hours in their contract but they dont mention office hours. These are hours between classes where you perform services for your students. For example, chatting with students and evaluating and grading their work. If youre grading reports in between classes instead of preparing them, it makes for a long day. So when you negotiate, make sure you get the total time that is involved in the job.

Teaching Contracts and Salaries

Ah yessalaries. Expect to be paid 250,000 yen per month for a standard contract. This is the minimum wage for full-time sponsored ESL instructors. This is considered an entry-level salary for conversation teachers with little or no experience.
Other Perks

Look carefully at vacation days. Ask for a total of weeks off per year. Expect at least 2. Also make sure to ask if the time-off that is quoted to you is in addition to national holidays. Also be sure to ask which national holidays the school observers. Some schools that are generous with paid holidays will give you every one off, others wont.

Lets not forget health insurance. Most employers provide health insurance for free or at least subsidize it. If youre getting stuck with the whole bill, make sure the deal is sweater in other areas like salary or vacation days.

Teaching Contracts and Accommodations

Living in a nasty apartment will make your stay in Japan wellnasty. Schools that provide you with a working visa, generally take care of accommodations as well. Its important to make sure you have a private apartment if you dont want to share. Dont assume youll have your own private place!

Your Rights as a Teacher

Many teachers are easily intimidated by contracts or believe them to be the final word. The reality is that any contract is subservient to established labor laws. Labor laws are the final word not your contract.

Its important to know your rights as a worker under Japanese labor laws. If you feel youre being treated unfairly, you can contact General Union for representation (by joining the union) or contact the Labor Standards Office for help in your disputes.

Sports fans are always looking for the best alternatives to buying tickets to sporting events. Stadiums are known for being a nuisance, especially when trying to get multiple tickets in the same vicinity. Ticket brokers, on the other hand, are known for being there for their clients to help them get tickets to their favorite sporting events, no matter what the competition is. Buying sports tickets from a broker can help you get good tickets quickly and even more than that, there is no hassle or trouble.