LeftBrained Geeks and Why They Need Copywriters

Not long ago, I received a rather unusual email from a stranger. The title of the email read, your site and services which of course would prompt any normal person to open it and expect to read a quote request.

The email contained no such request, but instead revealed a screen shot of the homepage of my Web site. Let me repeat that. A complete stranger sent me a screen shot of my own Web site.

Within the screen shot art, writer of said email had encircled (in red ink), three words that they felt were glaring errors, as the message stated. (One was in fact a typo, while the other two were merely subjective criticisms.)

The message was short, terse and did not address me by name. The email closed with Cheers, and a pair of initials.

I confess: I enjoy people who push the envelope. This is just the kind of bold approach that gets and holds my attention.

However, when someone whom you've never met before decides to arbitrarily PROBE something that you personally created, it comes as a bit of a shock. It makes you feel slightly violated.

I imagine it wouldn't feel all that much different than if I'd been sent a picture of myself, with a red circle around the pimple in the corner of my nose or something equally creepy.

Upon Googling said emailer, I learned that this person worked in a high intelligence, left-brained field and chalked it up to her being a social idiot.

Which brings me to the main point, which is that technology experts and other High IQ individuals are often painfully unaware of the unspoken rules that drive modern communication.

I'm not saying that's right or wrong or I don't like such people, because I really do enjoy them in the way one might enjoy searingly spicy food or extreme sports, for the extra stimulation.

Truth be told, I'd rather spend a half hour having some cantankerous dweeb spew facts at me than sit there letting someone dull and insipid massage my ego while dribbling faulty reasoning or parroting someone else's wisdom. I don't need an ego rub. Just teach me something I didn't know before.

But I also know that I'm in the minority.

Most professionals, at least the ones I've seen buzzing around the blogosphere and met with in various conference rooms throughout my life, would never stand for such brusque handling. Some might even deliver a swift verbal backhand in reply.

Most professionals are secretly insecure. Therefore, they expect you to play with their emotions. And not only is this what they crave in their personal communication, but they REALLY want it in your marketing materials.

The average human begs on his knees to be schmoozed and sold to.

That's a skill that most geeks don't naturally possess. Especially if they're math, science and tech experts (those fields are ruled by the opposite hemisphere of the brain that governs emotions).

Emotion is unequivocally the most powerful sales weapon regardless of what industry you work in. Get a handle on your reader's emotions, turn his ego into silly putty, and you've got yourself a lifelong customer.

If you really, really want to sell something to emotionally suggestible humans, something that they don't understand and can't procure on their own, then you have GOT to learn how to talk to people, or else hire someone for whom graceful communication is second nature.

(For those who don't pick up on subtlety: get a copywriter).

I know of this brilliant computer genius guy from my Web travels who burns a path of destruction wherever he roams. I've watched entire networks lash out against him because he doesn't know how to talk to folks without sounding mean, rude and condescending.

I secretly like him - because he explained some basics of HTML publishing that nobody else had the patience or attention to detail to convey.

But even so - I know he sucks at selling.

Yes, you might be smarter than 90% of the population. But do you know how to write copy that sells?

Sign up for the Copywriting and Marketing Ezine from Dina at http://wordfeeder.com and learn to write search engine-friendly Web copy and market your Web based business for free.

Don't miss Web Content Awareness Day 2007 - a month-long information celebration from Wordfeeder.com. Visit http://WebContentAwarenessDay.com to learn more and sign up now.

Renting A New Home Doing The Initial Walkthough

So your looking for a new place to live. Well, sometimes we get so wrapped up in ?finding the right home? that we don?t think about the small things. This article is designed to help you think about some of the questions to ask yourself as you do a walkthrough.

So let?s get started!

Rooms? How many?

You may require a room if you need an:

Office
Den
Stuido
Sewing Room
Recreation Room
Theater Room

- In your rooms, how much closet space does it have? Will you have room to fit all of your items?

- What about bathrooms? Do you have a teenage son or daughter that needs his or her own space?

What Size?

What kind of square footage will you require? You can do some preliminary measurements form you comfort of your current home to get an idea what the sizes are. Bring a tape measure to your viewings and measure where your bed, couch and other items would go. Use your imagination!

How much counter space will you need? Do you have a coffee machine, toaster or bread maker? Will it fit in the cabnit or would you prefer to have it on the counter?

Amenities?

Amenities are more important then the actual unit to some people. Most people look for the following items:

Intercom System
Elevator
Parking Lot (underground)
Handicap parking and raps
Cable Included?
Gym / Pool included?
Clothes Washer/Dryer, Dishwasher, Range, Fridge
Air Conditioning
Balcony
Doorman or other security system/personnel

Do you need things a certain way?

Sometimes when searching for a home there is one key element that you require. For some it is having a Washer and Dryer for your clothes. Others enjoy having hardwood or laminate flooring.

Here is the most popular key features that we?ve found. (in no particular order)

Hardwood Flooring
A scenic view
High/vaulted ceilings
Close to shopping, recreation, schools or parks
Larger sized windows
Balcony
Newly Renovated
New Carpet
Security System
Games ? Party Room
Fireplace

We hope this article helps you with narrow down your search of a new rental unit!

Shane Toews is a Licenced Realtor who helps others to educate themselves on current real estate issues. He also provides assistance on how to locate quality homes, apartments or vacation rentals in Canada's Fraser Valley area. Visit his website RentFraserValley.com for more information on Canada's Fraser Valley Real Estate Market

Understanding MelloRoos When Considering a Purchase

Part of the process of evaluating the decision to make an offer on a home in a newer development is understanding the costs. Mello-Roos are one issue that is popping up more and more.

Understanding Mello-Roos When Considering a Purchase

The process of real estate development has become a much more complex one in many parts of the country. The idea of buying some land and building a few homes is a bit na?ve these days. The larger the development, the more a real estate developer has to account for societal issues. These issues can range from everything to new roads, schools and noise pollution in the area. While the developer and relevant municipality will negotiate the financing on much of this, they tend to pass off much of the cost to people moving into the new development.

Mello-Roos are typically assessed by the municipality, city or state the new development is located in. They are often considered a special tax and are paid along with your property tax bill. This special tax is essentially a way for the government to both fund and maintain the public services required by the new population created by people moving into the area. As you know, the government tends to collect a lot of money in taxes, but doesn?t use it particularly efficiently. This is a way for them to counter the problem.

Mello-Roos are particularly nasty because they are considered a government tax issue. If you fail to pay your Mello-Roos, the delinquency can be turned into a tax lien on your property. Tax liens are truly nasty things, to wit, they essentially give the government the power to foreclose on your home and sell it. Your only option is to get caught up on the payment to avoid such a situation.

Mello-Roos are not the creation of the federal government. They are localized issues, so their amount and how they are handled are different in each state. Regardless, they can be thousands of dollars a year. You need to understand what you are on the hook for before buying into a new development, particularly if you are squeezing into the financing. Failure to do so could lead to a nasty surprise down the line.

Raynor James is with the site - FSBO America - FSBO homes for sale by owner.

Citizen dive watch large selection fantastic prices!

Triple Net Lease: Own A Property? Get The Maximum Out Of It

A triple net lease designates the tenant or lessee as being solely responsible for bearing all the costs related to the asset being leased. The landlord and the tenant come to an agreement where the tenant agrees to pay all taxes, insurance and miscellaneous expenses on the property in addition to any normal fees that are expected under the agreement. The concept of Triple Net Lease has been very popular in commercial building leasing because it reduces the owner's need to worry about spending time and money for monitoring property conditions and providing maintenance.

The basic idea of a net-net-net lease is for the lessee to assume responsibility for all property's expenses, both fixed and operating. The concept is well accepted and employed in all traditional sale-leaseback transactions for long-term lease of larger properties. Both the owner and the lessee agree upon a lease document stipulating that the tenant bears the operating responsibility for the property. In recent years the triple net lease has become increasingly popular for leases of smaller properties. While there are many versions, triple net typically includes Taxes, Insurance, and Maintenance (TIM).

In a triple net lease, the rental component is separately identifiable in the lease, making the actual net investment return clear for property owners and investors. Unfortunately there are several pitfalls for the smaller property owner in regards to leaving the insurance of their building to the tenant. The tenant may willfully damage the property in order to claim insurance while experiencing financial troubles. In such a situation the owner will lose all claim to the insurance and has no fall back to claim losses against the tenant.

Most triple net leases require the lessee or tenant to cover costs to maintain the roofing, heating, etc.- practically anything related to the building that can wear out or be damaged during the lease period. If you are in a triple net lease agreement you will be excused of all property taxes and property insurance liabilities. You will be responsible for paying your utilities directly. You can budget your personnel expenses and costs for routine maintenance and secure a quote for a maintenance contract.

There are a number of important issues to be considered before entering into a triple net lease agreement, including cost of capital, future operating performance and relationship with the building. All parties in a triple net lease arrangement need protection against surprise expenses that can occur as the facility ages and components wear, requiring maintenance and eventual replacement. Some owners reduce their risk by establishing a reserve fund into which each tenant makes regular payments. The owner then covers property maintenance costs as needed from this fund. As tenants come and go, the maintenance fund is constantly replenished?with no surprise burdens for a single tenant or for the owner.

A triple-net lease via a 1031 exchange allows the investor to get even higher returns by deferring his/her taxes and thus increasing the overall internal rate of return. Various companies provide you with a quality selection of triple-net leased properties that are ideal for 1031 like-kind exchange investments. It is believed all interests are best served by regular inspections performed by independent professionals with extensive experience and expertise in evaluating and reporting on building conditions.

Christine is an expert Internet marketing professional with years of experience in various industries such as: Business, Finance, Real Estate, Web-Design and many more.
1031 exchange resources

Baby Car Seats Their Safety Is In Your Hands

Nowadays, if you're about to have a baby, then you're most likely familiar with baby car seats. When we were children ourselves, safety precautions were a lot less stringent in the car, and quite often there weren't any precautions at all. Present day parents, though, really have very little choice in the matter. Many states now have laws governing the transport of children in cars, with specific regulations about the type of seat required at various stages of your baby or infant's life. The simple practice of holding your baby in your arms in the car just isn't an option any more.



Whether you're very keen on adhering to the law or not, it's still very obvious from all the statistics on road accidents over the years, that car seats are very definitely a lifesaver for little ones. There's no reason at all to avoid using one - your baby's safety is at risk if you don't. Remember, too, that it?s not just babies - most laws cover children at least through the toddler years as well. Usually the type of car seat required is related to height and weight. Using a baby car seat is going to be a part of your child's life for quite a while.



Before I had children of my own, I'd never paid a great deal of attention to baby car seats. Once I realised I was going to have a baby, though, it became very important for me to find out what was available, and even more importantly, what style of seat was going to be the safest. There was no way I was going to risk my child's safety in a substandard car seat. However it was also important for my baby to be comfortable, and for the baby car seat to be easy to use.



Baby car seats can range in cost enormously, from fifty to several hundred dollars. It's important to understand that being more expensive doesn't always equal being safer. The only way to really determine the safety level of a baby car seat is to look at reviews done by various consumer groups. These groups test and rate a whole range of car seats, and so can give you some ideas of what car seat to buy. Many reviews also look at the durability and ease of use of a car seat, which is valuable too. Having said that, it's usually safe to stick with a well known, quality brand, like Century, Britax or Graco, to name a few.



Doing your research isn't hard - there's so much information on the internet nowadays. You can visit manufacturer websites to find out what they offer, as well as the consumer review websites. You can also visit the bigger baby chain stores to get a good look at a wide variety of baby car seats. This can be valuable for determining the ease of use of a car seat.



Once you know what you want to buy, it's then just a question of tracking down the best price. Again, visit baby stores, or check out the online websites. It's possible to look at auction sites like eBay, but personally I'm always a little concerned about buying a baby car seat when you don't know its history. Once a seat is more than a few years old, various elements can deteriorate. Straps can fray, plastic shells can become brittle. And if a car seat has already been through an accident, you should NEVER use it again - its safety is compromised. The worst part is that you won't know most of these issues exist until you're in an accident and the car seat doesn't perform properly. So if you can buy new, or at least use a relatively new car seat that you know for sure hasn't been in an accident, do it.



In the end, being a new parent can be stressful enough, without having to worry about your baby's safety as well. So take the time to look around, find what you want, make sure it's safe, durable and reliable, and then make the investment in your baby's future.

Some Interesting Information About Your Eyes and Contact Lenses

A Contact is designed to rest on the cornea, the clear outer surface of the eye.

A Contact is designed to rest on the cornea, the clear outer surface of the eye.

Contacts are held in place mainly by adhering to the tear film that covers the front of the eye and, to a lesser extent, by pressure from the eyelids.

As the eyelid blinks, it glides over the surface of the contact lens and causes it to move slightly.
This movement allows the tears to provide necessary lubrication to the cornea and helps flush away debris between the cornea and the contact lens.

A contact is an optical medical device, primarily used to correct myopia, hyperopia, astigmatism and reading problems. In these conditions, light is not focused properly on the retina, the layer of nerve endings in the back of the eye that converts light to electrochemical impulses.
When light is not focused properly on the retina, the result is blurred or imperfect vision.

When in place on the cornea, the contact lens functions as the initial optical element of the eye. The optics combine with the optics of the eye to properly focus light on the retina.
The result is clear vision.

Hypermetropia is not a disease, nor does it mean that you have ad eyes.
It simply means that you have a variation in the shape of your eyeball. The degree of variation will determine whether or not you will need help.

What causes farsightedness?
Hypermetropia most commonly occurs because the eyeball is too short;
that is, shorter from front to back than is normal. In some cases, hypermetropia may be caused by the cornea having too little curvature.

If you've ever worn an ordinary products, you know that deposits can build up on the surfaces and cause cloudy vision and that scratchy, uncomfortable feeling.

But an ACUVUE eliminates the problem of long-term deposit build-up
because they are never worn longer than one day.

Your vision is always sharp and clear and always comfortable.

Better still, the cost of an ACUVUE disposable products is no more per day
than what you might pay for a cup of coffee and a muffin.

A growing number of people now use these products, which can be worn for either a single day, or up to seven, depending on the wearing schedule prescribed by your eye care professional.

Even bifocal wearers can now get discount prices when ordering.

Six per box is the average number per supplier. They are usually used for anywhere from 1 to 2 weeks on a daily wear basis and approximately 1 week if used as extended wear.

Replacing frequently usually means better eye health. Other obvious advantages are having spare ones immediately available should one get torn or lost.

Be sure you wear your back up eye glasses at least once a week to give your eyes and cornea a chance to reoxygenate.

Symptoms of overwear include burning eyes, dryness, blurred vision and seeing halos around lights.

This can lead to serious corneal problems and infections. Consult your eye doctor regularly for eye examinations and follow up care.

Frequent and Planned Replacement are replaced on a planned schedule,
most often every two weeks, monthly or quarterly. These items usually come 4 to 6 per box.

Eye care professionals may recommend enzyming them if they are used longer than one month. A popular brand is the Colored Monthly from Ciba Vision.

For the largest online selection of eyewear products, including designer sunglasses and eyeglasses from Calvin Klein, Ralph Lauren, Eddie Bauer, Modo, Saki, Silhouette, Laura Ashley and hundreds of others, visit the World's Largest Online Optical Store at FramesDirect.com.

Ordering is easy. Simply call us at 1-800-248-9427 or order online by selecting your products from the drop down selection. Operators are available Monday through Friday and half day on Saturdays to take your order. If you don't have your prescription, we will call your doctor directly and get it for you.

ABOUT THE AUTHOR
Dr. David Cooper and Dr. Guy Hodgson are the founders of FramesDirect.com which has been recognized for outstanding customer service and satisfaction. FramesDirect.com is fast becoming the global leader of prescription eyeglasses, contact lenses and sun glasses sales online.

What Are You Making Up About Yourself

How To Make Money On No Equity Properties

As a real estate entrepreneur, you will often run against problems with no equity properties. This is because; you will be buying property from homeowners who sell foreclosed property. This is the reason why most real estate investors do not buy no equity property. The only way to deal with it is to persuade the credit-lending bank to take less than the amount owed to it.

Making Profits on the No Equity Property; Discussed below are some ways to make money on no equity properties.

Deal directly with the Homeowners: Until the time the court orders the foreclosure of property, the banks are not the owners of the home. You need to deal directly with the homeowners to buy the property, and then buy the mortgage from the bank to transfer the ownership of the property to you.

After getting in touch with the homeowner, get him or her to sign a release Information form that will allow the bank to talk to you about the homeowners? mortgage.

Now you need to convince the bank to discount mortgage. Once you can prove that the property is in a bad shape and needs extensive repairs, and the owner is unable to repay the mortgage loan, the bank will probably agree to lower the amount. You may need to negotiate a little, but most banks do not want real estate on their hands, they just need some way to recover the money owed.

Once you have bought the property, you can sell it for a higher amount. The bank is relieved to have the real estate off its hands and get back some of the loan, you have made a profit, and the buyers of the house will probably have some equity on it.

Why Homeowners Will Want to Sell to You. A no equity property is a liability for the homeowner, especially if he is making a distressed sale. The options he has are limited; paying off the mortgage is difficult, renting out the property means spending money on maintenance and repairs, foreclosure means a bad credit record, and short sale could invite a huge tax penalty.

If you make a reasonable offer to the homeowner, chances are that it will be accepted. Since what you pay will get her more money than what the above options could get, he/she will accept your terms. Then you will draw up a sale contract and discuss it with the bank.

With a little creativity and out of the box thinking, you can convert a no equity property into a money making proposition. So the next time you come across a no equity property, do not walk away from it. It may be your chance to make significant profits.

Alexander Gordon is a writer for www.smallbusinessconsulting.com - The Small Business Consulting Community. Sign-up for the free success steps newsletter and get our booklet valued at $24.95 for free as a special bonus. The newsletter provides daily strategies on starting and significantly growing a business.

Business Owners all across the country are joining The Community of Small Business Owners? to receive and provide strategies, insight, tips, support and more on starting, managing, growing, and selling their businesses. As a member, you will have access to true Millionaire Business Owners who will provide strategies and tips from their real-life experiences.

Things All Borrowers MUST Know About Payday Loans

Top Ten Least Afordable Places To Live

According to a new report, greater Los Angeles ranks as the least affordable metro area in the country.

In fact, the report by the California Building Industry Association found that nineteen of the top twenty least affordable metropolitan areas are located in California.

The report is sponsored by the National Association of Home Builders and Wells Fargo Bank. Called the Housing Opportunity Index, the report calculates the percentage of homes sold in an area during a three-month period that were affordable to a family earning the median income for the region.

Greater Los Angeles, which includes Long Beach and Glendale, was the least affordable area studied, with only a 1.9% affordability.

Greater Orange County was second, with every single spot in the top 10 located in California.

Metropolitan New York City was the only non-California city, ranking at number 11.

Only 57% of Californians own their own homes. The national average for home ownership is 70%.

Nationwide, the affordability index stands at 40.6%. This means that only 40.6% of households with median incomes are able to afford the median home in the area.

The top ten least affordable metro areas in the US in the second quarter of 2006 were:

Los Angeles/Long Beach/Glendale -- 1.9

Santa Ana/Anaheim/Irvine -- 3.2

Salinas -- 3.5

Merced -- 3.6

Modesto -- 4.1

San Diego/Carlsbad/San Marcos -- 4.6

Santa Cruz/Watsonville -- 4.8

Santa Barbara/Santa Maria -- 5.3

Napa -- 5.4

San Luis Obispo/Paso Robles -- 5.9

Martin Lukac represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate and mortgage rates. We specialize in daily updates, mortgage news, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

Loft Atlanta Apartments

Being one of the fastest growing cities in the United States, Atlanta has been witnessing a boom in the apartment community market. Several new apartments, condos, and lofts are coming up not only in the suburbs but in mid-town and downtown areas as well. Already, there are more than 1500 apartment complexes in Atlanta and this number keeps increasing virtually by the day.

Many of Atlanta?s lofts and condos are brand-new buildings, while others choose to embellish upon a historic industrial building. All of them are available with a package of attractive amenities, convenient locations, and breathtaking views of the city.

One of Atlanta's well- known loft communities is in the downtown area. Fulton Cotton Mill Lofts is a nine-building complex that contains over 500 lofts, with over 60 floor plans. Lofts at Muses in the Fairlie-Poplar district contains seven buildings and 65 lofts. Kessler City Lofts and Renaissance Lofts are the other lofts quite well-known in this area. Most of these are rentals only with restrictions on pets.

In mid-town Atlanta, Glen Iris Lofts is a two-phase development that offers spacious floor plans and modern amenities. Containing 100 units, Ponce Springs Lofts is a new mixed-use development that includes an upscale restaurant called Repast.

In Buckhead, Buckhead Village Lofts offers a two-story lobby, speedy elevators, rooftop terrace, as well as a fitness center.

In-town Atlanta also features many housing options. Block Lofts rental units offer high ceilings, contemporary lighting, and more than ten spacious floor plans. Coming up soon is another one called Inman Park Village Lofts. Ice House Lofts, converted from the Atlantic Star Ice & Coal Company contains a great restaurant, Carpe Diem Cafe. Both Bass Lofts and Telephone Factory Lofts offer rentals only and provide various amenities like digital satellite television and T-1 Internet access.

Atlanta Apartments provides detailed information on Atlanta Apartments, Loft Atlanta Apartments, Atlanta Apartment Rentals, Cheap Atlanta Apartments and more. Atlanta Apartments is affiliated with Apartments for Rent in Chicago.

Cheap Properties For Sale The Equation That Could Make You Rich!

If you are buying cheap properties for sale then you need to follow the simple equation enclosed to make sure you maximise your capital gains.

Many investors do, achieve triple digit annual gains and it can work for you to, so here it is:

Price Paid V Location Time to Potential = Price Profit

The above is a simple equation but most people who buy cheap properties for sale don?t understand it and never make as much as they should, in terms of capital growth potential.

Let?s look at it in more detail

Price Paid

You want cheap property but you need to balance this with the potential for growth.

Keep in mind cheap property is cheap for a reason; there is no guarantee it?s going to increase in value.

Many investors simply buy cheap property for sale on the basis it?s a bargain, but this is only the case if it goes up in value!

When buying cheap property for sale keep in mind that you should only buy property that there is already a specific REASON you can see for it to rise in value.

NEVER base your purchase on you think at some future area for reasons in your head you think the area is going to come up.

2. Time to Potential

Time to potential means the time it will take for a specific development to occur that will increase the value for the cheap property for sale you are looking at.

For example, you are buying on the coast and you know a new marina will be completed in two years ? that?s the time to your potential.

You spot a growing resort and buy on the outskirts and on the potential for the resort an overspill of buyers is about 3 years that?s your potential.

Some locations are short some are long term.

Your best bet if you can to buy within a two year time span to make sure your money is working harder.

The sooner you get in the better, but if it?s public knowledge other will be buying.

That doesn?t matter, so long as you get a fair price and good profit potential. Sure, you can buy cheaper further out but your aim is to make money quickly with low risk.

Another point

If you want to buy cheap property for sale and make big gains buy overseas. Why? Because you get more for your money and a great example is Costa Rica

Costa Rica is just a 3 hour flight from the southern US, but property is up to 70% cheaper.

Furthermore, growth rates are far quicker than in many established countries such as the US and many people are making triple digit annual gains by buying in the right location.

Finally

When buying cheap properties for sale, keep in mind you want cheap, but you don?t want the cheapest and always look for factual reasons that the area is going to be in high demand, not you just think it?s a nice place to be and others will to!

Buy in the above way, focus on boom overseas markets and you could make a lot of money by buying cheap property for sale.

More FREE info

For more free info on investing in property and locations where you could make triple digit annual gains go to http://www.costaricalandlots.com.

Is Socializing Emerging From Online Gaming!

As technology evolved, the online games also went forward for the better. Single player games progressively gave company to two-player games, followed by multi-player games, rendering the environs with the element of virtual competition and fertile with potential of socializing.

Sites that offer free online games generally require the prospects to sign up with their own username, password and general details. This sign up practice allows the users to camouflage their true identity. It has been observed that players tend to submit false information about their gender to explore relationships or to be treated in a better manner in the virtual world.

Dedicated observations of the websites catering online games with over hundreds of thousands of subscribers reveal a striking pattern amongst signups. It has been rumored that male gamers generally sign up as female gamers so as to be treated in a better manner and hence escape competition from fellow male members.

The virtual world of online games has been found extensively male-dominated. Aggressive male players are suspected to behave better or differently in case they know that the competitor is a female. It is believed that the male contenders are lenient with the female gamers, rendering them a little laid back and less aggressive while playing. Thus the female disguise helps in brightening the chances of a win, or to put it in different words? escape competition. It is also rumored that female disguise in the virtual world secures the male gamer a better treatment.

Another striking feature that has been observed amongst the online gamers include social developments. It has been gathered that multi-player games can be very social. For example, in the shooter genre, players have been seen bonding with each other through clans or groups they form to fight another group. They fight as a group against another group! They socialize beyond the game and bond with each other as friends/mentors/well-wishers. They extend moral support to each other during hardships and even find each other jobs!

Another example of how online game communities evolve social environments is WW2 flight simulation called ?Air Warrior?. The players of this game have been found ardent social groups who even hold periodical get-together!

Besides, massive multi-player role-playing games have also found to be famous for the strength of their communities. In simpler terms, sometimes gamers assume the gender of the fellow player with his/ her username, while actually it could be a mere false play in order to explore a different experience. As a result, the players find themselves interested in their fellow players socially speaking and interact with each other in a friendlier manner. This sort of enriches the fun element in the online game involving many players.

On the other hand, when it comes to single player games, socializing depends upon the nature of the game, which may require special skills or understanding, for example, a game of chess.

To conclude, the Internet is proving to be a connecting point on a global scale, surpassing all individual differences related to caste, creed, religion and region. Websites catering flash or shockwave based online games to its thousands of subscribers, free of cost, are actually contributing to the cause of social harmony and wider social networks that defy boundaries of geography, economy, culture, degrees of education and family traditions. Communities are playing fields for social interaction. When gamers send messages to other gamers, they are free to exchange email addresses and meet beyond the game community. Communities have become an extension, a new medium of human touch.

About the Author:

Jonathan White, owner of SimplySearch4it - Free Online Games , Entertainment Portal

Making The Best Use Of Your Cash

You?ve gotten a home equity loan. You?ve jumped through all the hoops and now have that much needed cash in hand. How can you make the best of it? First, decide exactly what you really needed the cash for? Was it for medical bills or educational expenses? Or did you incur too much other debt and need to pay that off with your cash? Whatever the reason, be sure and stay steadfast to the cause. It?s very easy when you have that green in your palm to forget what you truly needed it for in the first place. Write down exactly where you needed the money to go before you begin to write the money orders and checks out.

As you pay off whoever the debtor is, mark them from the list. Mark off everyone! This is very important. Keep your goals in mind. It?s so easy to get caught up and want to spend the money elsewhere. This is really not wise. If you needed the money so desperately you took out an equity loan in the first place, then you really should stay clear to your initial goals. If you took out the loan for medical bills and you buy a new washer and dryer when you really didn?t need one, this is most likely not going to help your financial situation. Sure, you?ll have a shiny new washer and dryer, but you?ll still owe those medical bills and not gain anything else financially. Your payments won?t be lower and after a while the new washer and dryer will remind you of the old one. So, in summary, be sure and be careful when distributing that cash and enjoy achieving those goals!

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Mortgage Broker Marketing: Face Your Fears and Anxiety Over Marketing Position

The best advice you can get in regards to marketing to real estate agents is to establish a unique position. You should work hard to develop a niche position as the foundation for your marketing efforts. This can be a scary prospect for some people because they fear that if they narrow their focus, or develop a niche position, they may lose opportunity for business. If you share the same fear, read on and some anxieties surrounding positioning will be addressed.

Establishing a single position means you will sacrifice other opportunities.

It may seem like a logical conclusion, if you focus on only one niche you are going to eliminate a great source of business. But actually, narrowing your focus creates additional opportunities.

Take the example of Countrywide Home Loans. When they first started out, Countrywide focused on a branch without salespeople concept and focused on offering FHA and VA loans exclusively.

Countrywide developed the retail branch concept, where clients could simply walk in and receive service much like a bank branch. How did this narrow focus affect their business? They earned significant market position, even when interest rates were at an all time high of 18%.

All mortgage services are alike

We can argue that just about any line of products or services are all the same, despite the competition. But even when products are the same, it is still possible to differentiate between companies that offer the same services or products.

As an example, consider the Morton Salt Company. This company has become a cultural icon based on its brand, the blue can with the little girl holding an umbrella and walking in the rain. There is more than one salt company selling essentially the same product, but Morton has found a way to make them stand out from the competition.

No two people are alike, even identical twins have subtle differences, and no products or services are identical. People will perceive those differences, and in fact, may actively work at finding differences.

An interested agent will look for differences in services with mortgage agents. They will notice that you have a passion to serve them, you have commitment that is unsurpassed among other loan officers, and you exhibit sincerity and caring. If you do not think these differences are obvious, you need to take a closer look, and perhaps work a little harder.

Taking a single position will limit appeal

Many sales people construct sales presentations around every service they could possible offer. Unfortunately, whether it is a sales presentation or your marketing materials, you are always competing for time with prospects that are virtually inundated with information.

People naturally try to narrow their focus to the simplest form. When you have a narrow focus, you are able to demonstrate your superiority within the focus. When you render great service, real estate agents will naturally associate your superior service with an ability to deliver great service on many different products.

Think about the luxury car Mercedes. Without even thinking about it you naturally associate the car with wealth, success, taste, and style. Even though you know nothing about the person driving the car, you still make the association.

Jeff Nelson helps loan officers increase loan originations by attracting quality relationships with real estate agents from the development of customized relationship-building strategies.

Click here to get a free copy of the Marketing Planning Guide, a 20-page workbook designed to help you outline a strategy to become an Agent Magnet.

Visit us at http://www.loan-officer-marketing.com

Why I Love Strategy Games

A strategy game is one in which the skills of the play and his decision making combine to influence the outcome. Usually, strategy games come in the form of video, board or computer games. Most games involve some strategy of some sort, however, those classified as strategy games tend exact the decision making skills of the player to determine more than half of the final scores. The word strategy echoes from the military meaning military planning and tactics to achieve results. This is in contrast to games in which players can rely to a large extent on probability to win.

Strategy games vary widely and can be found with different themes. Some of the genres include abstract strategy, war games, real time tactics or strategy games, simulation, building of cities and God games. In war games for instance, there is usually an extensive simulation of past military battles involving great leaders such as Alexander the Great, some Roman Emperors and even world wars I and . The player is usually required to take on the role of an important military person such as a general or commander or even an ordinary soldier who literally has an impossible mission to save the day. Traditionally, strategy games are played with physical miniatures or on a board. With the advent of the internet, however, one can find many online strategy games to play of for those who prefer, they can download strategy games.

In addition, there are also real time strategy games and real time tactics strategy games. The former apply to certain computer games, such as NukeZone, Blizzards Warcraft and Starcraft, where the player has to make quick decisions and take fast action as the games state change constantly. The latter however, concentrates more on control and operational aspects of warfare. Examples include the Close Combat and Total War series.

Simulation strategy games attempt or use real life situations as themes. Thus the player's decisions and actions result in similar consequences as it would be in real life. Abstract strategy games, on the other hand do not necessarily use real life themes. The player must understand the logic to win the game. This includes games such as Go, Chess, Checkers. Many free online strategy games can be played on the internet as well.

God strategy games are those in which the player assumes the role of God with everything else subject to him. The challenge is to find ways and means to overcome such unbridled power. Games in this genre include Populous, Black&White and God's Playing Field which is a free online strategy game.

Economic strategy games usually simulate real life business and require the player to win in a business or economic situation. Some examples are Monopoly, Transport Tycoon, Supreme Ruler 2010, Capitalism and Railroad Tycoon. City building strategy games also allow the player to build and manage a city. There are arguments as to whether games such SimCity and City Building Games series employ the player's analytical skills at all. Nevertheless, they are considered as strategy games. There are also the turn based strategy games (TBS) which forces the user to think about the game first before committing to play. They are different from the real time counterparts in that sense.

As with many other things, the advent of the internet has changed the face of gaming. Most people especially kids and teens prefer to play games online, whether it is strategy or puzzle or from any other category. To meet these demands, there are a number of quality websites offering quality free online strategy games. There is no need to download anything, nor is there any need for plug-ins. Literally, playing online multiplayer strategy games is just a mouse click away.

As time rolls on, we are likely to see many more free strategy games available for game lovers to choose from. Certainly this is a good sign.

About the Author:

By Jake Jenkins, Free Games Fan
Play Free Online Strategy Games, Free Action Games at Strategy Games

Winter Driving Tips To Keep You Alive

Planning ahead for winter driving could insure that you make it to your destination safely.

?Winter driving can be stressful not to mention very hazardous. Wind, snow, ice and blizzard conditions amplify the normal dangers of driving.? And with less hours of daylight, these problems are magnified. However, you can offset those aggravations and minimize the special risks of winter driving by following a few simple steps and taking certain precautions before and during driving. According to the Federal Emergency Management Agency (FEMA), the leading cause of death during winter storms are transportation accidents. Preparations for the winter season and knowing how to react if stranded or lost on the road are the keys to safe winter traveling.?Before winter starts or you leave for a trip in the winter, have the following items checked on your car: ?????? Battery ?????? Antifreeze ?????? Wipers and windshield washer fluid ?????? Ignition system ?????? Thermostat ?????? Lights ?????? Flashing hazard lights ?????? Exhaust system ?????? Heater ?????? Brakes ?????? Defroster ?????? Oil level (if necessary, replace existing oil with a winter grade oil)?Don't forget to check the tires. Make sure the tires have adequate tread.? All-weather radials are usually adequate for most winter conditions. However,? some jurisdictions require that to drive on their roads, vehicles must be equipped with chains or snow tires with studs.?? Keep at least a half tank of gas in the car during the winter season.Be prepared - put together a bad weather kit to keep in the trunk of back of your car. This will ensure that you are prepared in the event that you get stuck in a storm.? Keep these items in your kit: ?? Flashlights with extra batteries ?? First aid kit with pocket knife? ?? Necessary medications? ?? Several blankets or Sleeping bags? ?? Plastic bags (for sanitation)? ?? Matches/candles ?? Extra set of gloves or mittens,socks, and a wool cap? ?? Rain gear and extra clothes? ?? Small sack of sand or kitty litter for generating traction under? wheels? ?? Small shovel? ?? Small tools (pliers, wrench, screwdriver)? ?? Jumper cables? ?? Set of tire chains or traction mats? ?? Books, cards, games? ?? Brightly colored cloth to use as a flag ?? Help sign for back window? ?? Canned fruit and nuts? ?? Nonelectric can opener? ?? Bottled water ?? Charged cell phone (always carry this, especially in the? winter)If you are stranded, you may feel helpless, stuck in the snow in a lonely place, but there are things you can do to survive until help reaches you.? ? Stay in the car. ? Do not leave the car to search for assistance unless help is visible within 100 yards.? You may become disoriented and lost in blowing and drifting snow. ? Display the help sign.?? ? Hang the brightly colored cloth on the radio antenna and raise the hood.? ? Occasionally run engine to keep warm.? ? Turn on the car's engine for about 10 minutes each hour. Run the heater when the car is running. Also, turn on the car's dome light when the car is running.? ? Beware of carbon monoxide poisoning. Keep the exhaust pipe clear of snow, and open a downwind window slightly for ventilation.? ? Watch for signs of frostbite and hypothermia.? ? Do minor exercises to keep up circulation.? ? Try not to stay in one position for too long. If more than one person is in the car, take turns sleeping.? ? For warmth, huddle together.? ? Use newspapers, maps, and even the removable car mats for added insulation.? ? Cold weather puts an added strain on the heart.? Avoid overexertion.? ?Be aware of symptoms of dehydration.Listen to the Weather Report before heading out. It can be a life saver.Pay attention to the weather terms used. Here are the most common Winter Weather Terms- ? Winter Storm Warning: Issued when hazardous winter weather in the form of heavy snow, heavy freezing rain, or heavy sleet is imminent or occurring. Winter Storm Warnings are usually issued 12 to 24 hours before the event is expected to begin. ? Winter Storm Watch: Alerts the public to the possibility of a blizzard, heavy snow, heavy freezing rain, or heavy sleet. Winter Storm Watches are usually issued 12 to 48 hours before the beginning of a Winter Storm. ?? Winter Storm Outlook: Issued prior to a Winter Storm Watch. The Outlook is given when forecasters believe winter storm conditions are possible and are usually issued 3 to 5 days in advance of a winter storm. ?Blizzard Warning: Issued for sustained or gusty winds of 35 mph or more, and falling or blowing snow creating visibilities at or below ? mile; these conditions should persist for at least three hours.? ? Lake Effect Snow Warning: Issued when heavy lake effect snow is imminent or occurring. ?Wind Chill Warning: Issued when wind chill temperatures are expected to be hazardous to life within several minutes of exposure. ?Wind Chill Advisory: Issued when wind chill temperatures are expected to be a significant inconvenience to life with prolonged exposure,? and,? if caution is not exercised, could lead to hazardous exposure. ?Winter Weather Advisories: Issued for accumulations of snow, freezing rain, freezing drizzle, and sleet which will cause significant inconveniences and, if caution is not exercised, could lead to life-threatening situations.Winter driving requires you to be extra careful and alert, but the most important tip for winter driving is slow down!? Always give yourself plenty of time to get where you are going, and get off the road before you get stranded by worsening weather conditions. RECOMMENDED RESOURCES:The Weather Channel http://www.weather.com/activities/driving/drivingsafety/drivingsafetytips/snow.html?from=iForecastWest Virginia Department of Transportation http://www.wvdot.com/6motorists/6dwinterdriving.htm?Oregon Department of Transportationhttp://www.oregon.gov/ODOT/COMM/winterdriving.shtml

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ABOUT THE AUTHOR


Learn more about selecting the right auto insurance company that will save you money by visiting http://www.your-car-insurance.biz/SiteMap.html, your reliable auto insurance website that provides auto insurance information and resources.

Plus Sized Prom Gowns

 



Plus Sized Prom GownsSubmitted By: Rich Rojas  

For plus size teens, finding a plus sized prom gown that you would consider being seen in at department stores and boutiques can be quite a challenge. This is because most plus size selections in shopping malls are geared towards middle-aged women, and have an extremely small selection of clothes for plus size teens.

So, what?s a girl to do?

Shop online, of course!

More and more online clothing retailers are catering to the needs of plus size women and teenagers. Prom gowns are no exception. If you?ve never bought clothing online, be prepared to be amazed! There is a huge selection of cool clothing available, and many retailers offer plus sized prom gowns. In fact, some even specialize in plus size formal wear and prom gowns for young women.

No more finding a great dress, only to see that it only goes up to size 12. No more digging through the rack, only to find that the size you need isn?t in stock. Let?s face it, shopping at traditional stores can be really hard if you?re a plus sized teenager looking for a plus sized prom dress.

Online plus size clothing retailers specialize in clothing that?s sized and styled for your curves. That means no mores saggy straps or gaping necklines. Most importantly, all the sizes are available, all the time. This is a huge step above traditional brick and mortar boutiques, which generally only order one dress in each size. If someone gets it before you, you?re out of luck!

Shopping online avoids this issue completely.

Before you pick out a dress, take the time to measure yourself. Most online stores have a sizing guide, which will enable you to find the size that matches your bust, hip, and waist measurements. It is absolutely essential to do this, as sizes can run differently between designers. Save yourself time shipping returns back and forth -- measure, then order. Taking the time to measure yourself will really help as you move online from store to store.

Online plus size clothing sites offer a great selection of modern styles for plus sized teenagers. These aren?t your mother?s fashions! They have a youthful flare and follow the latest fashion trends. If you?ve never shopped online plus size clothing stores, then you?ll be pleasantly surprised at the stunning plus size formal options these sites have to offer you.

As you pick out your plus sized prom gown, it?s also important to buy the correct undergarments to wear with it. If you choose a strapless or halter dress, for example, you may need to also buy a strapless or convertible bra to ensure it fits correctly. When you receive your dress in the mail, be sure to try it on with the underwear you?ve purchased to make sure that nothing gaps or shows. You want to spend your special evening dancing and having fun, not fiddling with a bra that doesn?t fit right!

So, take time to measure yourself, and then spend some time online checking out plus sized prom gowns. This will save you loads of trouble and frustration going to the mall, where you?ll struggle to find anything you like anyway. Your time can be much better spent picking out the perfect prom night accessories!

Capturing Priceless Memories On Video With The New CVS One Time Use Digital Camcorder

Capturing Priceless Memories On Video With The New CVS One Time Use Digital Camcorder

When you're on your honeymoon in a tropical paradise or sharing a family vacation at Disney, there are moments so memorable you wish you could capture them on video to share with family and friends. Now you can with the new CVS One Time Use Digital Camcorder.

Being a Shutterbug, I sometimes make our family crazy. With my trusty camera I capture photos of our children, now older, just being themselves. I think these are the best pictures, which capture unexpected smiles and laughter. Then there are those rare moments when something amazing happens and I wish I could capture it on video. Now I can with the new CVS One Time Use Digital Camcorder.

Technology Is Amazing

Finally, someone has come up with an affordable way to capture precious moments on video without the expense of investing in a video camera. Of course, having a video camera is great for many occasions like wedding, birthdays, and graduations. What about those spontaneous moments when you're miles away from home without a video camera? A short trip down to CVS/pharmacy and your problem is solved with the CVS One Time Use Digital Camcorder.

The Perfect Travel Companion

The CVS One Time Use Digital Camcorder is the perfect travel companion. With an affordable price if under $30, it is great for capturing priceless travel moments during a day-trip adventure, romantic weekend getaway, or family vacation. The camcorder is easy to pack on a trip or to toss in your backpack for quick use (it's a little thicker than an i-Pod, but about the same size). This little camcorder is easy to use, light-weight and durable.

Amazing Quality At An Affordable Price

When I first used the CVS One Time Use Digital Camcorder I was amazed by the quality of video quality. It captures 20 min. of TV quality film, and can be processed onto a DVD for only $13. With the DVD you to share movie clips through emails with friends and family across the country. We viewed our video in the DVD players and sent a copy to my Aunt to view on her computer in the DVD drive, and sent video and video greeting cards by Email to our friends and family.

The Perfect Gift

With a big family finding the perfect gift for birthdays, graduations, wedding, and holidays can be a challenge. After browsing for an hour through the mall we decided to give something special to our nephew for graduation. We knew the family would be on hand to capture the formal occasion, and we wanted him to create his own memories, so we sent him a CVS One Time Use Digital Camcorder. He was thrilled!
The CVS One Time Use Video Camcorder is a simple-to-use, pocket-sized camcorder that weighs under 5 ounces and costs less than $30. It holds 20 saved minutes of digital quality video and sound. The 1.4 inch color playback screen makes it is easy to playback and delete videos. Once you're finished recording your video you simply drop it off at any CVS/pharmacy 1-hour photo lab and they'll process your DVD, which you can view and use to share pix with family and friends.

Explore America's Backyard, and discover thrilling helicopter tours in Hawaii, bed and breakfast, spas, antique collectibles, fishing, hunting, whitewater rafting, roller coasters, concerts, poker games, national parks, civil war battle reenactments, the carnivorous Venus fly trap, and many more unique travel destinations and attractions. Visit USA Travel Magazine online at http://www.usatravelmagazine.com or by mobile at: http://www.usatmm.com.
About the Author

Travel Luggage For Special Needs

What to look for in choosing luggage, while choosing, you should look for pieces that are lightweight and easy to carry. You should also make sure they are spacious enough to pack your items. The luggage should have features that will vary, depending on the type of bag/case you prefer for different destination either vacation, a small holiday, tour etc.

? Briefcase or laptop cases are having many compartments and pockets for ample storage for stationary like pen, pencil, highlighter, marker writing pads etc.

? Carry-bags are usually smaller in size so that they can be easily stored under a seat when traveling.

? Garment bags are easy to pack dresses and suits right on the hangers.

? The most popular luggage piece is totes and it is perfect for those last minute must haves while you are away!

? For students Backpacks and duffel bags are more convenient for those staying far.

Luggage is any number of bags, cases and containers which hold a traveler's articles during transit from destination to destination. Once you have the luggage that is best for your traveling needs, don?t forget about the accessories you may also need while traveling either for tour all long vacation. There are many accessories that are used while traveling, including: eatables adapters, toiletry kits, travel pillows, water bottles and luggage carts. While returning back from a holiday you can feel confident in the fact that when it comes to luggage, there is something for everyone. Keeping in mind the modern traveler carries packages containing a vast items such as clothing, business items, valuable possessions and all your trip necessities, so luggage now a days are quite spacious.

Historically the most common types of luggage were trunks made of wood or other heavy materials. Luggage has definitely changed over time .Today's is much smaller and more lightweight but still maintains the durability of their heavier counterparts. Popular luggage now a days is the carry-on luggage. Most of the individuals use this as their main form of luggage. The luggage may change may change from time to time in shape and size, this will always be a need for travelers to travel.

When it comes to choose cases for your laptop you definitely want to look for durability. While transporting and protecting your computer you want to choose a top quality laptop case that's easy to access while traveling. Now a days professional wants such kind of laptop case that's not only functional, durable but also stylish as well.

It should be durable to handle wear and tear of the airlines and stand up to the weather. Good quality luggage has a good locking system to secure your belongings from snooping intruders. If you buy high quality luggage accessories forget all the difficulties caused.

About the Author:

Lanny Hintz writes about Ladies Wallets, ebags coupon codes and Backpacks

Top 5 Summer Organizing Projects For Kids

Now that your kids are out of school, this is a great time for them to get some organizing done! Here are the top 5 projects your children should work on during the summer:

Purge backpack & school work

If your children's backpacks are crammed full of graded papers and old projects, kindly suggest to them that it's time to purge and make room for the next school year. Only keep assignments and projects that they express deep accomplishment or attachment to. Store large artwork in a portfolio and graded work in a file cabinet or accordion file.
Donate old toys & games

Surely your children have built up a collection of toys since the Christmas season. Plan a special Service Project Day and tell your children it's time to donate their old toys to children who are less fortunate. Only donate toys that are in good condition.
Purge clothes

Have your children grown in the past year or acquired new tastes in clothing? If so, it's time to go through those old clothes and let go of the ones they don't want or cannot fit into anymore.
Clean/reorganize bedroom

If your children haven't cleaned their bedroom all year, then it's time to crack the whip! Have them pull everything out, clean all four corners of their room and organize everything back in place.
Plan a back to school party

Nothing can be more fun for children than planning a big party! This will give them an opportunity to practice their managing, organizing and planning skills. Have them create an invitee list, mail out invitations, learn the true meaning of RSVP, decide on menu items and plan activities. Educate your kids on how to use timelines and to-do lists.


Alberta Okoro is the owner of Emplayce-The Organizing Source, a national directory for professional organizers and other organizing professionals. http://www.emplayce.com


By Alberta Okoro

How to Become a Real Estate Agent

Real estate includes residential and commercial property. The former refers to property that people live in and the latter to trade and lease of property intended for profits. Inflation, augmented income, better government measures, and easily available mortgages have improved consumer purchase capacities. Such progressive consumer trends have proved to be a boon for the real estate trade. Real estate includes real estate business purchases, sales, and property rentals.

Individuals are required to enroll in real estate schools to make a career in real estate, as is the case with many other professions. Courses conducted at such business schools provide an opportunity to learn tricks of the trade in order to identify market trends and patterns. They also provide certification to individuals who practice a particular trade. There are numerous real estate schools that offer a wide range of courses.

Individuals may decide upon a desired real estate education program. When selecting an institute, it is advisable to be cautious and make enquiries regarding college reputation, degrees, and fees. A number of these courses and diplomas are made available online. This enables practicing real estate agents to enroll for specialized courses and helps students living in different cities to take the courses they need. Some people may opt for such courses as a continuing education program. Certain institutes offer a money-back guarantee in case enrolled individuals are not are not successful in the real estate business upon completion of their education program. Accredited and reputed institutes offer a universal platform and can hire industry leaders as part of their visiting faculty.

People can become real estate agents upon completion of undergraduate and graduate courses and certified distance-learning programs. Others may be part of a family business and choose to get certified after joining the trade. It is possible to start working without any educational degree, but the success rate is not guaranteed. Most professionals are required to work as apprentices with listed real estate companies.

Real Estate Agents provides detailed information on Real Estate Agents, Find A Real Estate Agent, Las Vegas Real Estate Agents, Commercial Real Estate Agents and more. Real Estate Agents is affiliated with How To Get A Real Estate License.

Loan Officer Marketing: Attract More Real Estate Agents With Questions

What if you could come up with a technique that would allow you to consistently talk with high-producing agents, without the fear of rejection or high-pressure sales tactics?

One way to this would be to contact several real estate agents, it does not matter if you know them or not. The only purpose of the call is to find out as much about the agent as you can. Introduce yourself to the them and do a simple, short, telephone survey.

Some of the questions you should ask them are:

How long have they been working as a real estate agent?
Do they typically represent buyers or sellers?
What are their typical activities on a daily basis?
What are their short term and long term goals?
Do they feel like they are on the track to accomplishing the goals?
What are some of the obstacles that are keeping them from meeting their goals?
What causes them the most stress in their business?
What do they need to fix it?

Notice that none of the questions are anything other than real estate related. Do not ask any questions related to mortgages or mortgage clients. You will find that instead of having to pry the information from the agents, you will not be able to get them to stop talking.

Most people have one favorite topic of conversation, themselves. There is nothing they like better than to talk about themselves and the problems their facing. Fortunately, most people never run out of problems to talk about.

Ultimately, you will receive several positive comments from the agents:

The agents will say how much they enjoyed having someone listen to them.

When the agent realizes it is not a sales call, which was stated from the beginning of the call, they will immediately open up.

Almost every survey call will end with the real estate agent asking the loan officer for more information about their mortgage services.

The survey technique is a great strategy for several reasons. It allows you to determine which real estate agents are producing at the level you require. You will gain access to the agent in a non-confrontational, non-selling situation. And it gives you an opportunity to lay the foundation for future sales presentations. Save your sales pitch for your second call. On the second call you can show them how you can solve their problems.

Does the idea of cold-calling agents, even for a survey, intimidate you? Consider approaching the agents with the survey through email. Surprisingly, you will get some response from agents.

Develop the survey into a paper-based form and give to buyer agents at closing. You will be amazed at how many agents take time to complete the survey.

When agents take the time to complete the survey, whether over the phone, through email or in person, you know which agents are receptive to you and are interested in establishing a relationship. Your simple survey will open doors, now and for a future relationship.

Jeff Nelson helps loan officers increase loan originations by attracting quality relationships with real estate agents from the development of customized relationship-building strategies.

Click here to get a free copy of the Marketing Planning Guide, a 20-page workbook designed to help you outline a strategy to become an Agent Magnet.

Visit us at http://www.loan-officer-marketing.com

Satellite TV Programming Guide

With more than 256 channels to choose from, satellite TV programming offers far more TV listings and viewing options than cable or over-the-air TV.

Satellite TV also gives you access to music channels, pay-per-view movies, sports packages, adult channels, and international programming.

DISH Network Satellite TV Programming

DISH Network programming packages start at $31.99 per month.

They also offer pay-per-view movies and events, adult programming, and sports packages. International programming includes: African, Arabic, Armenian, Asian, Chinese, Farsi, French, German, Greek, Israeli, Italian, Japanese, Korean, Polish, Portuguese, Russian, South Asian, Spanish, Tagalog, and Urdu channels.

DISH Network has the biggest variety of movies and shows and the most HD (high definition) programming of the two satellite TV providers.

Here are DISH Network's current satellite TV programming packages:

America's Top 60 ($31.99 per month)

This package includes the following program channels, plus your local channels:

ABC Family, America's Collectibles Network, Angel One, Arts & Entertainment (A&E), Auction TV, Beauty & Fashion Channel, Bingo TV, BYUTV, Cable News Network (CNN), Cartoon Network, Catalog TV, Classic Arts Showcase, CNBC, Colours TV, Comedy Central, Country Music Television, Court TV, C-SPAN, C-SPAN2, Daystar, Discovery Channel, The Disney Channel (East), Disney Channel (West), E! Entertainment Television, Educating Everyone, ESPN, ESPN Alternate, ESPN2, ESPN2 Alternate, ESPNews, Eternal Word Television Network Family Net, Florida Education Channel, Food Network, Free Speech TV, Good Samaritan Network, Headline News Network, Health TV, Healthy Living Channel, The History Channel, HITN, Home & Garden Television, The Home Shopping Network, Horseracing TV, ISHOP, The Jewelry Channel, The Learning Channel, Lifetime, Men's Channel, Music Television (MTV), Music Television 2 (MTV2), NASA, Nickelodeon/Nick At Nite (East), Nickelodeon/Nick At Nite (West), Northern Arizona University/University House, PBS You, QVC Shopping Network, Research Channel, RFDTV, The Sci-Fi Channel, Shop At Home, Shop NBC, Spike TV, Stuff TV, The Travel Channel, Trinity Broadcasting Network, Turner Broadcast System (TBS), Turner Network Television (TNT), TV Games Network, TV Guide Channel, TV Land, TV Outlet Mall University Of California, University Of Washington, USA Network, VH1 The Weather Channel, Worldlink TV.

America's Top 120 ($42.99 per month)

This package includes all of the channels in the America's Top 60 package, plus the following program channels and 32 Sirius music channels:

American Movie Classics, Animal Planet, BBC America, Black Entertainment Television (BET), Bravo, CNN Financial/CNN International, Comcast Sports Network, Discovery Health, Empire Sports, ESPN Classic, F/X, FOX News Channel, FOX Sports, FOX Sports West 2, Fuse, Galavison, Game Show Network, Independent Film Channel, Lifetime Movie Network, Madison Square Garden, MSNBC, New England Sports Network (NESN), Noggin, Pax TV, SiTV, The Speed Channel,, Sports Alternate 1, Sports Alternate 2, Sports Alternate 3, Sports Alternate 4, Sports Alternate 5, Sunshine Network, G4 Tech TV, Telefutura East, Telefutura West, Toon Disney, Turner Classic Movies, Turner South, Univision East, Univision West, WE: Women's Entertainment, WGN Superstation.

America's Top 180 ($52.99 per month)

This package includes all the channels in the America's Top 120 package, plus the following program channels and 50 Sirius music channels:

Biography, Bloomberg Television, Boomerang, CNBC World, Discovery, Home & Leisure, Discovery Kids, Discovery Times Channel, Discovery Wings, Dish Music- 50's & 60's Hits, Dish Music- 70's Hits, Dish Music- 80's Hits, Dish Music- All That Jazz, Dish Music- Beach Party, Dish Music- Classic Soul, Dish Music- Country Music One, Dish Music- 4 Decades of Music, Dish Music- Expressions, Dish Music- Hitline, Dish Music- Hot FM, Dish Music- Italia, Dish Music- Love Songs, Dish Music- Moonscapes, Dish Music- New Orleans Jazz, Dish Music- Piano & Guitar, Dish Music- Road House, Dish Music- Tropical Breezes, Dish Music- Urban Adult, Do It Yourself Network, Encore (West), Encore, Action/Adventure, Encore Love Stories, Encore Mysteries, Encore True Stories, Encore Wam/America's Kidz Network, Encore Westerns, FOX Movie Channel, FOX Sports, Net World, The Golf Channel, GOL TV, Great American Country, Hallmark Channel, History Channel International, The Movie Channel (West), National Geographic Channel, Nickelodeon Games & Sports, Nick toons, The Outdoor Channel, Outdoor Life Network, Reality TV, SoapNet, Style, The Science Channel, TMC Xtra West, VH1 Classic, Wisdom Television.

America's Everything Pak ($86.99)

This package includes all the channels in the America's Top 180 package, plus the following movie channels (31 movie channels in all):

Showtime Unlimited Package, Starz! Super Pak, HBO Package, Cinemax Package.

Note: For more programming information, ordering information, and the latest bonuses and free offers from DISH Network, click on the links below.

DIRECTV Satellite TV Programming

DIRECTV satellite TV programming starts at $41.99 per month.

They also offer pay-per-view movies and events, adult programming, and sports packages. International programming includes Chinese, Filipino, Italian, South Asian, Spanish, and Vietnamese channels.

DIRECTV has the most sports program packages of the two satellite TV providers, including the popular NFL Sunday Ticket.

Here are DIRECTV's current satellite TV programming packages:

Total Choice ($41.99 per month)

This package includes the following program channels, plus your local channels and 31 music channels):

A&E Network, ABC Family, America's Store, American Movie Classics (AMC), Animal Planet, BBC America, Black Entertainment Television(BET), Bloomberg Television, Bravo, C-SPAN, C-SPAN2, Cartoon Network, The Church Channel, CNBC, CNBC World, CNN, CNNfn/CNN International, Comedy Central, Country Music Television (CMT), Court TV, Daystar, Discovery Channel, Discovery Health Channel, Disney Channel (East), Disney Channel (West), E! Entertainment Television, ESPN, ESPN CLASSIC, ESPN2, ESPNEWS, EWTN, Fine Living,?Food Network, Fox Movie Channel, Fox News Channel, Fuse, FX, Galavisi?n, Game Show Network, Hallmark Channel, Headline News, The Health Network, The History Channel, Home & Garden Television, Home Shopping Network, Independent Film Channel, Inspirational Life, The Learning Channel (TLC), Lifetime, Lifetime Movie Network, Link TV, MARIA+VISI?N, MSNBC, MTV, MTV2, National Geographic Channel, Newsworld International, NFL Network, Nickelodeon/Nick at Nite (East), Nickelodeon/Nick at Nite (West), Noggin/The N, Outdoor Life Network (OLN), Oxygen, PAX, PBS You, QVC, RFD TV, SCI FI Channel, Shop At Home, ShopNBC, Speed Channel, Spike TV, Superstation WGN, TBS Superstation, TechTV, TNT, Toon Disney, TRAVEL CHANNEL, Trinity Broadcasting Network (TBN), TRIO, Turner Classic Movies (TCM), Turner South, TV Land, Univision (East), USA Network, VH1, WE: Women's Entertainment, The Weather Channel, Word Network, World Harvest Television.

Total Choice Plus ($45.99 per month)

This package includes all the Total Choice programs, plus the following channels:

The Biography Channel, Boomerang, Discovery Home & Leisure, Discovery Kids, Discovery Times Channel, Discovery Wings, DIY - Do It Yourself Network, Fuel, History International, PBS KIDS, The Science Channel, SOAPNet.

Total Choice Premier ($93.99 per month)

This package includes all the channels in the Total Choice Plus package, plus the following program channels:

Action, BLACK STARZ!, Cinemax (East), Cinemax (West), Comcast SportsNet (Mid-Atlantic), CSTV: College Sports Television, Empire Sports Network, Encore? (West), Encore? (East), FLIX, Fox Sports World, The Golf Channel, HBO, HBO (West), HBO Family, HBO Family (West), HBO HDTV, HBO Latino, HBO Signature, HBO2, HBO2 (West), Love Stories, Madison Square Garden (MSG), MoreMAX, The Movie Channel, The Movie Channel West, Mystery, NBA TV, New England Sports Network, The Outdoor Channel, SHOWTIME East, SHOWTIME Extreme, SHOWTIME HDTV, SHOWTIME Showcase, SHOWTIME TOO, SHOWTIME West, STARZ! (East), STARZ! (West), STARZ! Theater (East), Sundance Channel, Sunshine Network, True Stories, VH1 Classic, WAM!, Westerns, YES Network.

Note: For more programming information, ordering information, and the latest bonuses and free offers from DIRECTV, click on the links below.

Click on the following link for more information on free satellite TV systems and service, or these links for programming information, ordering information, and the latest special offers from DISH Network satellite TV or DIRECTV satellite TV.
About the Author

Backpacks

Of all the variants of bags, backpacks can be considered the most innovative and the most convenient. Backpacks have an advantage over other kinds of bags in that they spread the weight evenly over the shoulders and the back, thus reducing the stress on just one arm or one shoulder.



Scientifically, backpacks are the most ergonomically designed bags, and their popularity cuts across various age groups. Moreover, while mostly associated with men, the demands of modern life are making them increasingly unisex. Nowadays, women sport backpacks with as much ease and lack of self-consciousness as do men ? for instance, a woman carrying her laptop in a backpack would not be considered ungainly at all.



In spite of the fact that backpacks are seen as unisex accessories, there are several kinds that are specifically designed for women, keeping in mind a woman?s physique. They normally come in clean lines and compact sizes, with the emphasis being on clever optimization of space, rather than sheer bulk. Apart from women?s designs, backpacks also come in children?s sizes, enabling children, particularly teenagers, to take off on all kinds of trips.



Backpacks are available in both the no-frills, all-space variants as well as intelligently designed, sleek kinds that have security pockets, zippered side pockets for stashing bottles, watertight zippers on most-used pockets, zipper pulls with glow-in-the-dark tips, etc.



Moreover, different kinds of backpacks cater to different kinds of needs. Some are meant for everyday use, others for hiking and jogging, and yet others for long distance trips. The design and size varies, depending on the intended use. For instance, backpacks meant for everyday use are sleeker and have intelligently designed compartments for storing organizers, keys, wallets, ticket stubs, and the like. Backpacks intended for trekking and long-distance use are bigger and more spacious, with the emphasis being on waterproofing and durability.





Backpacks provides detailed information on Backpacks, Leather Backpack, School Backpacks, Laptop Backpack and more. Backpacks is affliated with Magnetic Chalkboards.

RVUs Whose Value Is It Anyway?

As I discuss career options with a group of third year medical students, I imagine a marketing brochure for psychiatry residencies in a world of mental health parity:

The brain is undeniably the most complex organ of the human body. Treatments for diseases of the mind and brain require the intricate understanding of chemistry, physiology, and anatomy common to all branches of medicine, as well as the ability to step outside of oneself to objectively observe personality and emotion. The psychiatrist must tolerate the unsettling awareness of the mysterious relationship between mind and matter, and must help others find their own answers to the mysteries of the human condition. No wonder that the masters of medicine-those who work in the vast field of interventional psychiatry-are so valued by society.

The time has come for my transition from psychiatric residency to psychiatric practice. The prospect of six-figure incomes suggests reward, at last, for years of work and debt. For the employers, under the guarantee of income and benefits lies the expectation of productivity. This productivity is not measured by patient satisfaction, symptom improvement, or reduced morbidity. Rather the name of the game is the RVU, and the way to get more RVUs is to see more patients in whatever time is available. I am grateful for the opportunity to earn good money in the service of a challenging and rewarding career. But I am also aware of the striking difference between the salaries of psychiatrists and the salaries of many other physicians. As a former practitioner of one of medicine's more lucrative specialties, I find myself comparing my apparent value now with my value then. Why is my work now worth less than half as much as my work as an anesthesiologist?

At the end of a night in the crisis service last week I walked past a group of patients huddled in the cold, waiting for the doors of the walk-in clinic to open. As I looked at their tired faces, I realized the desperation they must feel to leave homes or homeless shelters at such a cold and early hour, and make the trek to the clinic by foot or by bus. Their pains were certainly as great as the pains of any of my patients presenting for surgery. But for some reason there is less outrage over their lack of care than would be the case for a group of patients with untreated diabetes, appendicitis, or heart disease standing outside a hospital. I realized that like many in society, I had unwittingly accepted the scene before me as adequate care for the mentally ill.

The RBRVS, or resource-based relative value scale, was instituted by Medicare in 1992 in an attempt to standardize payments for physician services. Relative value units, or RVU's, are assigned to physician services based on three main factors: physician work, practice expenses, and the cost of liability insurance. Physician work is determined by several factors including time required for the service, the technical skill and physical effort, the mental effort and judgment, and the amount of stress experienced by the physician due to the risk to the patient. To arrive at the ?fair value' of services, the number of relative value units is multiplied by a universal dollar value, and adjusted slightly for practice location according to regional cost of living indices.

In theory, this approach to payment provides a level playing field for physicians. Payments for a cholecystectomy, for example, reflect the fortitude one must have to cut into someone's body and the time required for surgery and postoperative care. Medicare strictly adheres to this formula, but in the world of private insurance some physicians' relative value units are more valuable than others. In my region, for example, Medicare has decided that the relative value of a unit of physician work is about $38. The largest third-party payer in the area will pay psychiatrists, pediatricians, or family physicians about $50 per value unit. But orthopedists and radiologists, or podiatrists providing orthopedic services, are paid $100 per value unit.

What accounts for the difference in payment? If not due to stress, physical or mental effort, risk, technical proficiency, or practice cost, where does the difference come from? Certainly not from supply and demand, as in my area it is much easier to see an orthopedist this week than to see a psychiatrist within the next month. Does the lower reimbursement reflect decades of poor negotiating? Are psychiatrists more likely to succumb to modesty and self-effacement? Do psychiatrists have so great a level of job satisfaction that they don't worry about money? I wonder if the difference reflects a much larger problem-- that psychiatrists have bought into a societal impression that mental health is less valuable than physical health.

Support for this last concern can be found when one looks at the funding of mental health services in general, and the tacit acceptance of the funding situation by psychiatrists and other mental health caregivers. My insurer is required by statute to provide coverage for mental health services up to about $2000 per year. On the other hand, there is no limit on payment for orthopedic injuries. The insured alcoholic is covered for the $1800 surgeon's fee for a fractured kneecap- and more for the incidental hospital bill and the bills for physical therapy. If the alcoholic strikes his head, the radiologist receives $1200 to look at the MRI. And if he abruptly stops drinking for a week, the hospital is paid tens of thousands of dollars to help him through withdrawal-- only to turn him out to drink again. Yet to treat the primary alcoholism, the insurer will pay?$2000. And if the patient has spent $2000 for treatment of depression earlier in the year, the insurer will continue to pay for kneecap fractures and MRIs, but not for treatment of the underlying cause of these injuries-alcoholism. And other comparisons are equally dramatic. My insurer will pay $70,000 or more for cardiac bypass to reduce a person's risk of a heart attack, but only $2000 per year for treatment of the same person's depression, to reduce risk of suicide. The narcotic addict is allowed $2000 for treatment of heroin addiction, vs. hundreds of thousands of dollars for a secondary HIV infection.

The relatively low payments received by psychiatrists can be blamed to some extent on psychiatrists themselves. They accept their own devaluation when they sign for lower salaries or when they accept limitations on their ability to practice psychotherapy. They allow administrators and others without medical training to dictate treatment plans. I am reminded of the late 1980's when anesthesia was becoming perceived as a technical trade, and was challenged by the expanding statutory roles of nurse anesthetists. Rather than narrowing anesthesiology, the answer to devaluation was found by moving into critical care and pain medicine and asserting the roles of anesthesiologists as physicians. Similarly, cardiologists did themselves and their patients well when they laid claim to angioplasty, and called themselves ?interventional'. The new technology brought public respect and money, which then yielded an explosion of new treatments. I don't know what the parallel path for psychiatrists will be, but it is vital that as insights develop into brain function, psychiatrists lay claim to them, grasp them, and never let them go. There is nothing like a brain procedure to grab society's interest and respect. In fact, I posit that the simple adoption of the term ?Interventional Psychiatry' would increase the funding of psychiatrists and psychiatric research by 20%.

The low priority of mental health services to society is, of course, a complex issue. Stigma, lack of lobbying resources, and denial of the impact of mental illness certainly play roles in the lack of public interest and investment in mental health. Resources are thin for the unemployed and uninsured mentally ill, and the field of psychiatry deserves kudos for attempting to meet the needs of this population in return for little financial gain. But for patients with resources, we must recognize and advocate that mental health care is as important as treatment for a torn ACL, and deserves equitable reimbursement. The abilities to laugh, to work, and to love are as vital as the ability to return to beach volleyball. Psychiatrists must realize that at some point, expectations of relatively low reimbursements and medical standing become self-fulfilling prophecies, as our society tends to value those most who value themselves. The correction of societal bias and the resultant devaluation of our services will require constant efforts to educate, negotiate, and assert the value of mental health care in a healthy society. And psychiatrists, as the voices, faces, and business representatives of mental health, will raise the status and treatment of their patients as they work to raise the scientific, and yes, economic, status of themselves as physicians.

The author, Jeffrey T. Junig MD, PhD, has worked as an anesthesiologist, as a pain specialist, and as a psychiatrist. He teaches medical students and medical residents, and has written a number of scientific and educational articles. He enjoys consulting for businesses, legal firms, and individuals to translate medical records and jargon into usable information. He can be reached through his web site at http://explainmedical.com

Right Where I Ought to Be

Having been an at-home mom now for six years, my sense of confidence in the job that I do has run the gamut, from questioning my self-worth to feeling like I happily rule the world, or at least that of my four children.
Having been an at-home mom now for six years, my sense of confidence in the job that I do has run the gamut, from questioning my self-worth to feeling like I happily rule the world, or at least that of my four children. I would bet my last dollar that every at-home mother has done the same thing, but I need that dollar for groceries, so I won't.

Just last week, I stood in the doorway, cozily clad in my toasty robe and fuzzy slippers, waving merrily to my daughters as they skipped toward the school bus. Having assured myself that they were safely ensconced on the bus, I turned on my heel to start a day of caring for our two youngest. As I did so, my oldest daughter's backpack caught my eye as it sat abandoned in a chair.

That particular morning, it was a mere three degrees. When I awoke, I had told myself it was to be a warm and fuzzy day at home, since I had no errands to run. Surprise! I suddenly had to dress the three of us that remained at home, warm up the van, and get my daughter's backpack to her before the school day started. So I dressed, buckled up the tots, and jumped behind the wheel after having scraped the half inch of frost off the windshield. Off we went. I happened to pull into the parking lot at the very same time as the bus, just in time to see my daughters getting off the bus. My oldest ran over to the van, grabbed the backpack from me, gushed a Thanks, Mom! and off she was to start her day.

As I pulled out of the parking lot, it occurred to me that the very same situation could have been a nightmare if I was working outside the home and not as available to respond to life's little emergencies for my kids. Perhaps an important school project that was due that day would have been inside the backpack. Or maybe I could have had a mandatory meeting, rendering me unable to drop the backpack off at school. The simple task of picking up the slack where my daughter's error was concerned was no big deal in and of itself. But I was able to do it. She may have already forgotten the incident, but hopefully she'll have fond, if vague, memories of me being there for her always.

A few days after the backpack incident, my youngest daughter developed an infection, requiring a trip to the doctor, a trip to the pharmacist, lots of fluids, and plenty of rest at home. This was all accomplishable with minimal fuss because I have the flexibility to plan my schedule around my kids, rather than the other way around. And I love being needed!

I'm sure I am right where I ought to be, for our kids and for our family. It's not glamorous, the pay is nonexistent, and my wardrobe consists of sweats, jeans, t-shirts, and sneaks, but my life is more satisfying today than it has ever been.

About the Author

Mia Cronan is a stay-at-home mom and editor of the Main Street Mom web site, which offers support, humor, inspirational stories, great articles, and much more. Readers can visit this site at http://www.mainstreetmom.com. Previously, Mia spent 12 years in hotel management, but has opted to stay at home full-time with her children. The mother of four, she has three daughters, ages 7, 6, and 4, and 1. Ask Mia how to make money at home! http://momswin.com/mia

Improve Your Aptitude With Free Online Puzzle Games

Puzzle games are a genre of games loved by most hard-core gamers simply because of their ability to challenge a person's ingenuity. Generally, a puzzle is a game has some mystery attached which you have to uncover in order to resolve it. It demands both attention to detail and basic common sense to resolve. Some of the types of puzzles are disentanglement, sliding, logic and word puzzles

Puzzles have their serious side and have been used time and again to resolve real life problems in the mathematical and scienctific research. However, most people play puzzles for fun and to improve our brain capability. It is not uncommon to see people on public transport concentrating on one puzzle or another in order to resolve it. The feeling of accomplishment when a puzzle is completed can make a game addict of most of us. It is also generally believed that those who do puzzles can help stave of certain brain illnesses such as Alzheimers in later life.

In the early days, puzzles were brought to us in the form of board games which you could by from the shops or you could find puzzles at the back of newspapers or better still you could buy a book of puzzles. Nowadays however, you can find all kinds of puzzles to play on the internet. Most of these are fun, entertaining and a learning experience for people of all ages. In fact you are likely to find any type of puzzles and be able to resolve it without using a pen. If it is Sudoku you like you can find a play it online.

Famous puzzles such as Sudoku, jigsaw puzzles, Knight's Tour, Missing Square, Tower Of Hanoi and even Rubik's cube can all be found and played online. One of the advantages of playing online is that, there are now many gaming platforms offering these games for free. You do not need to carry a physical object - be it a book or board game - in order to resolve your favorite puzzle. With just a few mouse clicks you can just as well get the job done.

Playing free puzzle games has now become popular. Instead of going to the nightclub with may cost anywhere from $10.00 and $30, some young kids and teenagers are simply visiting their local cyber-cafes for an adrenaline rush of free PC puzzle games. Another advantage is that, you can meet people from everywhere in world who share similar interests. Some of the favorite online puzzles games are the Cartoon Quizz, Great Mahjong, Master Checkers, Quiz Time With Chron Series, Jig and Koala Checkers.

In conclusion, the internet has changed the way we play games in general and puzzle games in particular. no longer do we need to solve those well loved puzzle games on paper. For game lovers, going online is an exciting adventure and the number of games are increasing all the time.

About the Author:

By Jake Jenkins
Pro Gamer
Play Puzzle Games, find games cheat and free online puzzle games at Gamerevolt.com

Auto Accident Child Safety

Travel Safely with Young Passengers in Your Car

The essential safety information for every parent, relative, friend, or caregiver, who may transport an infant or small child in an automobile is to be sure to get the right car seat for your child. When it comes to child restraint systems, one size does not fit all, and each system must be appropriate for the individual youngster's age, weight, and height.

The following are general guidelines about the kind of protection your child may need:

• Infants up to about 1 year old should travel in a federally-approved infant safety seat that faces the rear of the car. Facing the back of the car protects a baby's fragile head and neck if a car accident occurs. The car seat should be semi-reclined so that the baby's head does not flop forward.

• Children between 1 and 4 years old can sit in a convertible seat that faces forward, if the car seat is equipped with harness straps to securely hold the youngster in place.

• A child who outgrows a convertible seat should ride in a booster seat, which will make the safety belt fit better and more comfortably.

• After a child gets too big for a booster seat, he or she can wear a regular seat belt, but should continue to sit in the back seat until 12 years of age.

Give your child the maximum protection by using the car safety seat properly.

Although about 80% of drivers use child restraint systems, over 70% were incorrectly installed. The most common mistakes were incorrect use of the tethers and harnesses, which will keep the child safely secured in the event of an accident. This puts children at risk, and can easily be avoided, if drivers take the time to follow these simple steps:

• Study the vehicle owner's manual and car seat instructions carefully.

• Check to see if you need a special locking clip. Not all standard safety belts will secure a car seat without it.

• Look for a car seat with a label saying it meets federal motor vehicle standards.

• Send in the car seat registration card, so that you will get notice of product safety recalls.

• Get a tight fit - the car seat should not move more than one inch from side to side or forward. To check for proper installation, push and pull on the car seat near the safety belt buckle.

• Replace a car seat that has been in a crash.

Attorney Marya Sieminski joined the Law Offices of Sam Bernstein in 2003. She is admitted to practice law in Michigan state courts and in the U.S. District Court for the Eastern District of Michigan. She earned her Bachelor of Science degree at the Massachusetts Institute of Technology and graduated magna cum laude from Wayne State University Law School. Marya has worked as a trial lawyer for 10 years and exclusively represented victims in personal injury litigation and in workers compensation claims. She also was appointed by the Governor to serve on the State of Michigan Workers Compensation Qualifications Advisory Committee.

The Law Offices of Samuel I. Bernstein, our Michigan auto accident and personal injury law firm, has championed the cause of seriously injured Michigan auto accident victims for three generations.