Rabu, 30 Desember 2009

Mark Oristano is a TOP Photographer

If you are a model of first-time jump in the world and the model you want to quickly famous with an attractive style photograph with the best quality, you need not travel the world seeking to have the best photographer in Dallas. Mark Oristano is an actor and he is a Dallas photographer, too. Dallas photography grow faster. There are many Photographers in Dallas. But not all of them provide great headshot like Mark Oristano. The cost for a professional headshot in-studio, including styling, shooting and retouching, very reasonable because he was the choice for you so you do not have to worry about the price. They are entitled to fees for a good headshot. Also digitalization. You will leave the studio with a CD of photos and images without wasting time.
So, if you need your photos, do not waste time and go to this great Dallas Photographer Mark Oristano will give you the best picture.

Sabtu, 12 Desember 2009

Student Credit Cards

In today’s world, having a credit card is a luxury. Credit cards are a great convenience, meaning that you don’t need to worry about cash when making a purchase. Although some credit cards have strict requirements, there are a lot of manufacturers that are giving both high school and college students the chance to get their own credit cards. Student credit cards can be used the same way as a traditional credit card, although they do come with certain restrictions and limitations that other credit cards don’t normally have.

A lot of companies and banks that offer student credit cards will normally need a co-signer as a form of insurance or collateral. This person will sign on the loan with the student, and will be the person the company falls back on if the student is unable to pay the bill. Normally a parent or guardian, the co-signer is considered to be back up and a peace of mind for the issuer of the student credit card, as they can always count on the co-signer with good credit to pay if the student can’t.

Normally, the APR or interest rate is higher with student credit cards, which helps to minimize the risk for the company. The spending limit is also different with these credit cards, as most are between 250 - 800 dollars. The reason for this, is because most students have established any credit, and therefore won’t have a great credit rating. Although the spending limit is obviously lower with these cards than other credit cards, they will still help students establish credit.

Students who plan to make a large purchase, can greatly benefit from using student credit cards. To make large purchases, you’ll need good credit - which is where a student credit card can really help out. You can use these credit cards as a stepping stone to building credit, and establishing a good credit rating. If you can get your credit rating high with your credit card, you’ll then be able to be approved for much higher loans in the future.

Student credit cards can also help students gain a sense of responsibility. The card works just like any other credit card, although the spending limit is much lower. Once the student has mastered usage of the card, he or she can manage money much better later on in life. These cards are great for students to have, and can teach them money skills that will last a lifetime.

Just like traditional credit cards, students should also know that student credits cards can be dangerous. Although they are great to have, there are pitfalls such as overspending. If students spend more money than they having coming in, they will be unable to pay their credit card bill, which will then affect their credit. If the company goes after the co-signer to pay the bill, it could also affect their credit as well. Therefore, students should always have a budget in mind before they start using their credit cards.

All in all, student credit cards are great to have. For high school students or college students, these credit cards are a means of freedom, and a way to teach responsibility. They can come in handy during emergencies, which is reason enough to invest in them. If your son or daughter is in school right now, you should look into student credit cards. They can help your child to establish credit - which will take them farther wherever they go in life.

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Kamis, 05 November 2009

Top Medical Book

If you like reading books might be for a book that you really mean to live or to your school and required reading in order to increase your knowledge such as medical books and health books, you can find such books in many bookstores in your town or you can find on the internet at this website www. topmedicalbooks.com.

Now you can find all kinds of books from the Internet and you can read book reviews before you buy. If you think you found the books very interesting and suitable for you, then you can buy it. If you 're looking for the best medical books, for example, you can find books here in TopMedicalBooks. com and of course you will be satisfied in finding the books that have the best quality. This site provides information on medical books the best.

On this website, you can read a review of health medical books so you can determine the best medical books you want to buy and do not forget the book that we provide to you with the best content from all, so do not hesitate to get.

If you are a student who may still need the medical student books, you also can find books on this website medical beginners

because here we provide the book. I think at this website, your knowledge of medical books written by the author in going up and always get a new one. You are not going to buy medical books weird if you read all the reviews on this website. I sincerely that you will be confused with the website through the site author has provided useful for your subject. I am also pleased to publician website because she has given the best of the information of medical books in the world, we always do what's best for you

Senin, 05 Oktober 2009

The Air Mile Credit Card

Air mile credit cards give you points or miles with every purchase you make, which you can redeem for traveling related expenses.  In most cases, you can use your points or miles to get a free airline ticket to travel to a destination of your choice.  Frequent flyers can use those very miles or points to redeem your reward faster.

There are a lot of companies out there that offer air mile cards.  You can choose to get one online, through a bank, or even a credit card company.  Each one is unique, and offers it’s own unique set of features.  Before you select your card, you should always look at different companies and compare them as well.  Normally, you will get a point or mile for every dollar you spend.  You’ll also want to look at blackout dates as well, as many companies have decided to drop them and their expiration dates completely.

You will also want to find out what type of purchases you make with your card give you reward miles.  Some purchases that you make may not be included in your reward incentives, which is why you’ll want to find out what purchases are and aren’t included.  The bigger purchase items, such as televisions and furniture may have more miles included, which is why you’ll want to inquire.

Another area of importance is the interest rate.  You should look deeper into the air mile credit card that you are interested in and find out how much the interest rates are and if there are any annual fees to using the card.  Although your rewards may sound great, you don’t want to pay too much in fees or an annual rate just to reap the benefits.

Even though they have been around for many years, air mile credit cards are very popular for those like to travel.  These cards can also help you with rental cars and hotel expenses as well, as long as you use the points you have accumulated by using your card.  The get the most out of an air mile credit card, you should use your card on a frequent basis.  You can really rack up the points if you purchase everything with your credit card - instead of using cash.

Air mile credit cards are great to have, as long as you don’t end up paying an arm and a leg in fees, and the annual rate isn’t that high.  If you check into what each manufacturer offers, you can normally get a great deal.  Also, make sure that find out what other rewards are included with the air mile credit card you get as well - as this can help you to make your decision when you finally decide to get the card.

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Kamis, 17 September 2009

Sharing a Rental with a Roommate

Sharing a rental property, whether it is an apartment or a house, can be either a dream come true or a living nightmare. There are many advantages to having a roommate; however, there are also disadvantages. When these disadvantages are severe they can result in an uncomfortable living environment in some situations and even a dangerous living environment in other situations. There are a couple of ways a renter can protect themselves when sharing their rental property with a roommate. This includes screening the potential roommate carefully and including the roommate on the rental agreement.

The Advantages and Disadvantages to Having a Roommate

Having a roommate can certainly be advantageous in some situations. The primary advantage is financial. Renters who opt to have a roommate, essentially cut their rent in half if they opt to have one roommate or in thirds if they opt to have two roommates. This is ideal for renters who would like to have a larger apartment but would not be able to afford such an apartment without the assistance of a roommate.

Another advantage to having a roommate is the opportunity to share household responsibilities with the roommate. Of course this is only an advantage when the roommate is willing to do his share of the work on a regular basis. If this is not the case, it may result in a huge disadvantage which will be covered briefly in the section on disadvantages.

One of the most significant disadvantages to having a roommate is a lack of privacy. Those who live alone do not ever have to worry about not having time to themselves while they are in their apartment. However, when a renter has a roommate, there is no guarantee the renter will ever have any time to himself while he is in the apartment.

Another disadvantage to having a roommate is the distribution of household responsibilities may not always be even. Roommates should have a discussion regarding the household responsibilities such as cleaning the common areas but there is always the possibility that one roommate may not do his share of the work. When this happens it can create conflict and resentment among the roommates. This conflict can make the living situation quite uncomfortable.

Select a Compatible Roommate

When selecting a roommate, the renter should be careful to select a compatible roommate. In the previous section we discussed how conflicts can arise when one roommate does not do his share of the cleaning. However, incompatible cleaning styles are only a small portion of the compatibility issues roommates may face. One important issue is entertaining. If one roommate has visitors at the apartment often, it can cause problems if the other roommate is not comfortable with this.

Even the times in which the roommates normally sleep can cause problems. If one roommate goes to bed early and wakes up at 4:00 am, it can be problematic if the other roommate likes to stay up late and not wake up until 9:00 am. In this case the roommates may not only begin to get on each other’s nerves but they may also begin to adversely affect the other’s job or social life.

Include the Roommate on the Rental Agreement

Finally, renters should be sure to include their roommate or roommates on the rental agreement. This is very important because it helps to protect all of the roommates. Inclusion of all of the roommates prevents one roommate from being able to ask another to leave unjustly. This may occur when conflicts arise but inclusion on the rental agreement ensures each of the roommates has a right to live on the property. Placing each of the roommates’ names on the rental agreement also prevents one roommate from not making their rent payments in a timely manner. It will also help to prevent one roommate from being held legally responsible for not paying the rent on time by the leasing agent.

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Selasa, 15 September 2009

How to Grade Your Coins

A "grade" is described as a shorthand designed by coin experts (numismatists) to reveal a coin’s appearance.  Simply put, if a certain coin collector tells another collector that he owns an uncirculated Charlotte 50 half eagle, both should already have a concept of the coins appearance without even seeing it, because of the claim of its grade.

Some disclose that designating a grade to rank or categorize a coin is more of an art rather than science, since often it is extremely subjective or biased; this applies particularly when working on “Mint State” coins where little differences, in terms of grade, make so much difference in the price.

Grading can be learned, studied and applied with a predictable and known outcome that eventually depends on judgment, not feelings.

Like any language, science, sport, or research, it is best to learn and understand coin grading one component at a time, through serious study and experience.

Today, most numismatists use the “Sheldon grading scale”. While there are those that complain of "too many grades", most experienced coin graders recognize and appreciate the fact that there is a wide range in features between ranges.

Strike

This is the method of stamping or imprinting a drawing or a symbol onto a blank.  Depending on the coin’s design, it can either have weak or strong strike. An example of this would be the “Type II gold dollar” on which both sides (front and back) have the highest strike that is perfectly aligned, meaning, these designs require weak strikes.

Generally the strike is not a key factor in establishing the coin’s grade except when it is included in a series where the value is connected to strike.

Preservation of the coin’s surface

The number of coin marks as well as where they are placed is a significant element in establishing the grade. While there is no fixed formula on the number of coin marks that sets its grade, there are several regulated standards regarding the significance of the location or positioning of a scratch.

For instance, a coin having a deep scratch that it is not easily visible on its reverse (back) side will not be strictly penalized. However, if the same scratch was positioned on a noticeable or obvious central point on the front, such as the cheek on the Statue of Liberty, it would be penalized  much more.

Patina or luster

A coin can have a variation of textures on the surface, influenced by design, the metal that was used and the “mint of origin”.  Textures can include frosty, satiny, proof-like and semi-proof-like.

When examining the coin’s surface in terms of grade, two things should be looked at; the quantity, or what is left of the original skin (has to be intact), and the location and amount of marks.

Luster is important especially when determining whether a coin is either circulated or uncirculated.  A coin in Mint State technically; is free of abrasion and wear and must not have significant breaks in its luster.

Color

This is a very subjective element in determining coin grade. For instance, a “gold coin” showing dark green-gold pigmentation may be unattractive to one collector and attractive to another.

As gold is moderately an inert metal, it is not prone to much color variance as copper or silver. Although wide ranging colors may exist in gold coins.

Almost all of US gold coins had been dipped or cleaned, therefore not anymore displaying their original color. As coin collectors become knowledgeable, most of them are attracted and fascinated to coins having their natural color. In most coin series, it is nearly impossible to discover original coin pieces.

Eye attraction or appeal

Color, luster, strike and surface marks come together, comprises “eye appeal”.  Note that a coin having superior “eye appeal” can be strong in one aspect, such as possessing exceptional luster but not quite as strong in another aspect, such as not so good color.

A coin that is undesirable in one aspect yet good enough in all the other aspects can still be distinguished as “below average” in “eye appeal”.

Knowing how to grade a coin is very important so that one can have an idea of the value or price of the coin that he is buying or selling.  When new to coin collecting, be sure to ask the help of an experienced collector or dealer when buying or exchanging your coins.

Guide for Rare Coin Collectors

Coin collecting is one hobby that is both fun and challenging. To help those who are looking for those rare coins, here is a list of hard to find ones that are worth moving “heaven and earth” for.

Gold coins are something of a rare commodity. They were circulated only until 1933, which makes them expensive when they are auctioned. The nice thing about gold is that its value probably will never go down - making it a good investment.

Another rare coin sought by collectors is the Liberty Seated Dollar. These were last produced some time in the 19th century and are considered to be a rare find.

From 1875 to 1878, twenty cent coins were minted. This coin looks very much like a quarter and since its value is very low today, it is a coin worth looking for.

The Barber half dollars are rare coins that were minted from 1892 until 1915 and are collected by people depending on date or type. One of the challenges that occurs when searching for this coin is finding one in good condition.

The 1917 type One Standing Liberty Quarter is another coin worth owning. It was only minted for 2 years and shows the exposed breast of Ms. Liberty. This design created such an uproar that it had to be replaced and was only circulated for a year.

Mercury dimes were produced periodically during the 20th century. The market value of them is $50 a piece.

The Walking Liberty Half Dollar is a beautiful coin for collectors. They were only circulated for 4 years and are considered to be one of the all time rare coins to ever exist.

The Texas Commemorative Half Dollar is another rare coin. Only 150,000 of these were minted over a 4 year period and just 60% to 80% of these are still available today making it one of the hardest coins to find today...

The most expensive coin is the $20 Saint Gaudens. This was sold in an auction for nearly $8 million. The design is truly superb and the value of it has never dropped even during the 1980-82 bear market.

Rare coins are truly a challenge for anyone who seeks to make this a mission in life. Not only are they hard to find but it they are expensive to acquire. Should a person have the funds available to purchase them then this adventure is truly something worth finishing.
Guide for Rare Coin Collectors

Coin collecting is one hobby that is both fun and challenging. To help those who are looking for those rare coins, here is a list of hard to find ones that are worth moving “heaven and earth” for.

Gold coins are something of a rare commodity. They were circulated only until 1933, which makes them expensive when they are auctioned. The nice thing about gold is that its value probably will never go down - making it a good investment.

Another rare coin sought by collectors is the Liberty Seated Dollar. These were last produced some time in the 19th century and are considered to be a rare find.

From 1875 to 1878, twenty cent coins were minted. This coin looks very much like a quarter and since its value is very low today, it is a coin worth looking for.

The Barber half dollars are rare coins that were minted from 1892 until 1915 and are collected by people depending on date or type. One of the challenges that occurs when searching for this coin is finding one in good condition.

The 1917 type One Standing Liberty Quarter is another coin worth owning. It was only minted for 2 years and shows the exposed breast of Ms. Liberty. This design created such an uproar that it had to be replaced and was only circulated for a year.

Mercury dimes were produced periodically during the 20th century. The market value of them is $50 a piece.

The Walking Liberty Half Dollar is a beautiful coin for collectors. They were only circulated for 4 years and are considered to be one of the all time rare coins to ever exist.

The Texas Commemorative Half Dollar is another rare coin. Only 150,000 of these were minted over a 4 year period and just 60% to 80% of these are still available today making it one of the hardest coins to find today...

The most expensive coin is the $20 Saint Gaudens. This was sold in an auction for nearly $8 million. The design is truly superb and the value of it has never dropped even during the 1980-82 bear market.

Rare coins are truly a challenge for anyone who seeks to make this a mission in life. Not only are they hard to find but it they are expensive to acquire. Should a person have the funds available to purchase them then this adventure is truly something worth finishing.

Jumat, 28 Agustus 2009

The Cost Of Credit Cards

Although some choose to rush into getting a credit card, they normally do so without being aware of the costs. A lot of credit cards out there come with hidden costs and charges, and you should always be aware of this before you apply. In most cases, these fees and charges won’t get noticed by the user until it is too late.

Credit card holders who aren’t aware of any hidden costs could easily end up paying possibly thousands of dollars at the end of the year - and not even realize it. If you have a reward credit card, your rewards could easily be destroyed by these hidden costs. Although some credit card users may realize it, there are many out there who aren’t aware of these costs at all.

The first factor for hidden costs is found in the grace period. The grace period is the extra time you have to pay your bill without having extra fees added to your bill. Even though this can be great for paying your bill, it can quickly lead to a pitfall if you let it. To avoid any type of costs or hidden fees, you should pay your bill as soon as it arrives. This way, you won’t have to worry about your grace period or the interest that can accrue from letting your bill get later and later.

The late fee is another factor with credit cards that is often overlooked by credit card users. Late fees are common with credit cards, although their potential for costs is often overlooked. Some people choose to pay it and be done with it, unaware of the fact that these costs can indeed add up in no time at all. To be on the safe side, you should always know what the late charges are and how fast they can add up.

The easiest way to avoid any type of hidden fees or costs is to pay your bill on time - as soon as you receive your bill. You should also pay more than the minimum, as this helps to pay your bill off faster and ensure that you pay the bill and not just the interest. Paying your bill late is never a good thing, as it can easily destroy your credit report. If you continue to make late payments, your company or bank can increase your interest rates.

No matter what you do, you should always pay your credit card bill on time. Hidden fees and costs are out there - it’s up to you to avoid them. Credit card companies and banks won’t tell you what the hidden fees are, unless you ask them. To protect yourself and your credit - you should always be aware of the costs - and how to prevent them from happening to you.

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Vacation And Credit Cards

Each and every year, many of us go on vacations.  Vacations are a great way to relax, and get away from the everyday pressure of life.  Over half of all American families take their vacation between April and September, meaning that they spend a lot of money on travel.  Whether it’s international or domestic travel, you can spend a fortune before you actually realize it.

As we all know, traveling with cash or checks isn’t always a wise decision.  Renting cars, flying in airplanes, or checking into hotels is a much easier task if you have a credit card.  Even though you may decide to use your credit cards for big purchases only, you’ll find that the traveling experience will be a much smoother process.

Unlike cash or checks, credit cards make handling your documents and receipts much easier.  If you purchase something, records from that purchase will be made with your credit card manufacturer, which you can always fall back on if something happens.  Things can go wrong without notice, so you’ll always want a backup plan or something to have as proof in the event of a disaster.  With a credit card, all you need to do is look back at your statement and you’ll find everything that you purchased in one easy to find location.

Credit cards are also much easier to handle and keep track of than cash.  If you decide to go to a theme park or a resort, you’ll find that cash can be a bit bulky to handle.  Carrying a large amount of cash can be hard to keep track of, even though it isn’t recommended.  Credit cards use up less space, and you can keep them in your pocket.  When you need to pay for something, you don’t need to count through your cash, simply hand over your credit card and sign your receipt.

If you don’t have any credit cards, you can always get them for vacation purposes only.  There are many benefits to having credit cards, besides the fact of them being easier to keep track of.  There are many different credit cards out there to choose from, including those that will give you cash back or rewards when you make a purchase.  Cash back is normally a small percentage of what you spend, and is given to you at the end of the month.

Some credit cards will give you reward points for every dollar you spend, which can be redeemed with several merchants offering a variety of products.  Although cash back is always a great thing, many people find reward cards to be just as good.  You can enjoy your vacation, buy just about anything you want, and know that the money you spend will help you to buy other things that you may need when your vacation is over.  Actually, can you think of this as having your cake and eating it to.

All in all, credit cards can make your vacation easier than ever before.  You can earn rewards and cash back with purchases you make using your card.  Although you may think cash is the preferred way to go, there are several merchants who actually prefer credit cards.  They are more professional, and easier for you to handle than cash or checks.  They are easy to obtain as well, providing you have good credit.  If you don’t have a credit card, you should look into getting one before you take your next vacation.  All you need to do is look for your favorite company online and apply through their website - you’ll normally receive a response in a matter of minutes.

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The Cost Of Credit Cards

Although some choose to rush into getting a credit card, they normally do so without being aware of the costs. A lot of credit cards out there come with hidden costs and charges, and you should always be aware of this before you apply. In most cases, these fees and charges won’t get noticed by the user until it is too late.

Credit card holders who aren’t aware of any hidden costs could easily end up paying possibly thousands of dollars at the end of the year - and not even realize it. If you have a reward credit card, your rewards could easily be destroyed by these hidden costs. Although some credit card users may realize it, there are many out there who aren’t aware of these costs at all.

The first factor for hidden costs is found in the grace period. The grace period is the extra time you have to pay your bill without having extra fees added to your bill. Even though this can be great for paying your bill, it can quickly lead to a pitfall if you let it. To avoid any type of costs or hidden fees, you should pay your bill as soon as it arrives. This way, you won’t have to worry about your grace period or the interest that can accrue from letting your bill get later and later.

The late fee is another factor with credit cards that is often overlooked by credit card users. Late fees are common with credit cards, although their potential for costs is often overlooked. Some people choose to pay it and be done with it, unaware of the fact that these costs can indeed add up in no time at all. To be on the safe side, you should always know what the late charges are and how fast they can add up.

The easiest way to avoid any type of hidden fees or costs is to pay your bill on time - as soon as you receive your bill. You should also pay more than the minimum, as this helps to pay your bill off faster and ensure that you pay the bill and not just the interest. Paying your bill late is never a good thing, as it can easily destroy your credit report. If you continue to make late payments, your company or bank can increase your interest rates.

No matter what you do, you should always pay your credit card bill on time. Hidden fees and costs are out there - it’s up to you to avoid them. Credit card companies and banks won’t tell you what the hidden fees are, unless you ask them. To protect yourself and your credit - you should always be aware of the costs - and how to prevent them from happening to you.

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The Cost Of Credit Cards

Although some choose to rush into getting a credit card, they normally do so without being aware of the costs. A lot of credit cards out there come with hidden costs and charges, and you should always be aware of this before you apply. In most cases, these fees and charges won’t get noticed by the user until it is too late.

Credit card holders who aren’t aware of any hidden costs could easily end up paying possibly thousands of dollars at the end of the year - and not even realize it. If you have a reward credit card, your rewards could easily be destroyed by these hidden costs. Although some credit card users may realize it, there are many out there who aren’t aware of these costs at all.

The first factor for hidden costs is found in the grace period. The grace period is the extra time you have to pay your bill without having extra fees added to your bill. Even though this can be great for paying your bill, it can quickly lead to a pitfall if you let it. To avoid any type of costs or hidden fees, you should pay your bill as soon as it arrives. This way, you won’t have to worry about your grace period or the interest that can accrue from letting your bill get later and later.

The late fee is another factor with credit cards that is often overlooked by credit card users. Late fees are common with credit cards, although their potential for costs is often overlooked. Some people choose to pay it and be done with it, unaware of the fact that these costs can indeed add up in no time at all. To be on the safe side, you should always know what the late charges are and how fast they can add up.

The easiest way to avoid any type of hidden fees or costs is to pay your bill on time - as soon as you receive your bill. You should also pay more than the minimum, as this helps to pay your bill off faster and ensure that you pay the bill and not just the interest. Paying your bill late is never a good thing, as it can easily destroy your credit report. If you continue to make late payments, your company or bank can increase your interest rates.

No matter what you do, you should always pay your credit card bill on time. Hidden fees and costs are out there - it’s up to you to avoid them. Credit card companies and banks won’t tell you what the hidden fees are, unless you ask them. To protect yourself and your credit - you should always be aware of the costs - and how to prevent them from happening to you.

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Should You Rent A House Or An Apartment?

Deciding whether to rent an apartment or a house can be a very difficult decision for some renters. There are certain advantages and disadvantages to each option. The renter should carefully consider these points when making his decision. Whether or not an apartment rental or a home rental is ideal for a particular renter will largely depend on his personal preference as well as his current needs in a living situation. For some renting an apartment is perfect while others find a home rental meets their needs best. This article will examine the advantages and disadvantages of each situation to help readers make a more informed decision regarding the type of rental situation which may be beneficial to them.

The Advantages and Disadvantages of Renting a House

There are many advantages to renting a house as opposed to an apartment. One of the primary advantages is this situation affords renters who would normally be unable to afford to purchase a house the opportunity to live in a house for a much more affordable price. Another advantage to renting a house is it may offer the renter many more options. Apartments are usually pretty standard in terms of size, number of bedrooms and number of bathrooms. Renters who have specific needs such as five bathrooms and three bedrooms may have a difficult time finding an apartment with these specifications but may find rental homes which offer these options.

Location is often another advantage associated with renting a house. Apartments are usually situated in more commercial areas while houses available for rent can usually be found in more residential areas. Many renters favor this situation because it makes their rental property feel more secluded. Many house rentals also include a backyard which is desirable for renters with children or pets.

One of the major disadvantages to renting a house, is there may not be a great deal of certainty regarding the amount of time the renter will be allowed to rent the house. While a contract may protect the rights of the renter for a certain period of time, there are no guarantees the homeowner will extend the contract beyond the existing terms. This means as the contract is due to expire; the renter may be given notice that the house would not be available for rent in the future. Conversely, this situation is rare in apartments and most renters are confident there will be the opportunity to renew their lease each time it expires.

The Advantages and Disadvantages of Renting an Apartment

Perhaps one of the most significant advantages of renting an apartment is the amenities which are often available when renting an apartment in an apartment complex as opposed to renting a home or even renting an apartment in a private home. Amenities such as pools, hot tubs, exercise rooms, saunas, meeting rooms and theaters are just a few of the amenities often offered when renting an apartment.

Affordability is another advantage to renting an apartment. Rent for an apartment is usually significantly lower than rent for a house. Although the apartment may be significantly smaller than the house, many renters find they are only able to afford these options.

A lack of privacy may be one of the most significant disadvantages to renting an apartment. Apartments are usually situated fairly closely together and most apartments usually share a common wall with one of their neighbors. Renters may find their neighbors end up knowing a great deal more about them than they had intended simply because the living situation makes it difficult to keep one’s life private.

Having to contend with noisy neighbors is another downfall to renting an apartment. As previously, mentioned apartments often share a common wall with a neighbor. As a result renters may run the risk of having noisy neighbors who listen to loud music or have boisterous friends visiting late at night.

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Should You Rent A House Or An Apartment?

Deciding whether to rent an apartment or a house can be a very difficult decision for some renters. There are certain advantages and disadvantages to each option. The renter should carefully consider these points when making his decision. Whether or not an apartment rental or a home rental is ideal for a particular renter will largely depend on his personal preference as well as his current needs in a living situation. For some renting an apartment is perfect while others find a home rental meets their needs best. This article will examine the advantages and disadvantages of each situation to help readers make a more informed decision regarding the type of rental situation which may be beneficial to them.

The Advantages and Disadvantages of Renting a House

There are many advantages to renting a house as opposed to an apartment. One of the primary advantages is this situation affords renters who would normally be unable to afford to purchase a house the opportunity to live in a house for a much more affordable price. Another advantage to renting a house is it may offer the renter many more options. Apartments are usually pretty standard in terms of size, number of bedrooms and number of bathrooms. Renters who have specific needs such as five bathrooms and three bedrooms may have a difficult time finding an apartment with these specifications but may find rental homes which offer these options.

Location is often another advantage associated with renting a house. Apartments are usually situated in more commercial areas while houses available for rent can usually be found in more residential areas. Many renters favor this situation because it makes their rental property feel more secluded. Many house rentals also include a backyard which is desirable for renters with children or pets.

One of the major disadvantages to renting a house, is there may not be a great deal of certainty regarding the amount of time the renter will be allowed to rent the house. While a contract may protect the rights of the renter for a certain period of time, there are no guarantees the homeowner will extend the contract beyond the existing terms. This means as the contract is due to expire; the renter may be given notice that the house would not be available for rent in the future. Conversely, this situation is rare in apartments and most renters are confident there will be the opportunity to renew their lease each time it expires.

The Advantages and Disadvantages of Renting an Apartment

Perhaps one of the most significant advantages of renting an apartment is the amenities which are often available when renting an apartment in an apartment complex as opposed to renting a home or even renting an apartment in a private home. Amenities such as pools, hot tubs, exercise rooms, saunas, meeting rooms and theaters are just a few of the amenities often offered when renting an apartment.

Affordability is another advantage to renting an apartment. Rent for an apartment is usually significantly lower than rent for a house. Although the apartment may be significantly smaller than the house, many renters find they are only able to afford these options.

A lack of privacy may be one of the most significant disadvantages to renting an apartment. Apartments are usually situated fairly closely together and most apartments usually share a common wall with one of their neighbors. Renters may find their neighbors end up knowing a great deal more about them than they had intended simply because the living situation makes it difficult to keep one’s life private.

Having to contend with noisy neighbors is another downfall to renting an apartment. As previously, mentioned apartments often share a common wall with a neighbor. As a result renters may run the risk of having noisy neighbors who listen to loud music or have boisterous friends visiting late at night.

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Should You Rent A House Or An Apartment?

Deciding whether to rent an apartment or a house can be a very difficult decision for some renters. There are certain advantages and disadvantages to each option. The renter should carefully consider these points when making his decision. Whether or not an apartment rental or a home rental is ideal for a particular renter will largely depend on his personal preference as well as his current needs in a living situation. For some renting an apartment is perfect while others find a home rental meets their needs best. This article will examine the advantages and disadvantages of each situation to help readers make a more informed decision regarding the type of rental situation which may be beneficial to them.

The Advantages and Disadvantages of Renting a House

There are many advantages to renting a house as opposed to an apartment. One of the primary advantages is this situation affords renters who would normally be unable to afford to purchase a house the opportunity to live in a house for a much more affordable price. Another advantage to renting a house is it may offer the renter many more options. Apartments are usually pretty standard in terms of size, number of bedrooms and number of bathrooms. Renters who have specific needs such as five bathrooms and three bedrooms may have a difficult time finding an apartment with these specifications but may find rental homes which offer these options.

Location is often another advantage associated with renting a house. Apartments are usually situated in more commercial areas while houses available for rent can usually be found in more residential areas. Many renters favor this situation because it makes their rental property feel more secluded. Many house rentals also include a backyard which is desirable for renters with children or pets.

One of the major disadvantages to renting a house, is there may not be a great deal of certainty regarding the amount of time the renter will be allowed to rent the house. While a contract may protect the rights of the renter for a certain period of time, there are no guarantees the homeowner will extend the contract beyond the existing terms. This means as the contract is due to expire; the renter may be given notice that the house would not be available for rent in the future. Conversely, this situation is rare in apartments and most renters are confident there will be the opportunity to renew their lease each time it expires.

The Advantages and Disadvantages of Renting an Apartment

Perhaps one of the most significant advantages of renting an apartment is the amenities which are often available when renting an apartment in an apartment complex as opposed to renting a home or even renting an apartment in a private home. Amenities such as pools, hot tubs, exercise rooms, saunas, meeting rooms and theaters are just a few of the amenities often offered when renting an apartment.

Affordability is another advantage to renting an apartment. Rent for an apartment is usually significantly lower than rent for a house. Although the apartment may be significantly smaller than the house, many renters find they are only able to afford these options.

A lack of privacy may be one of the most significant disadvantages to renting an apartment. Apartments are usually situated fairly closely together and most apartments usually share a common wall with one of their neighbors. Renters may find their neighbors end up knowing a great deal more about them than they had intended simply because the living situation makes it difficult to keep one’s life private.

Having to contend with noisy neighbors is another downfall to renting an apartment. As previously, mentioned apartments often share a common wall with a neighbor. As a result renters may run the risk of having noisy neighbors who listen to loud music or have boisterous friends visiting late at night.

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Tips for Finding a Rental Apartment

Finding a rental apartment is not always easy. Depending on occupancy rates in a particular area, it actually might be quite difficult to find available apartments that are also within your price range and meet all of your pre-determined requirements. However, even in areas where there is not a great deal of competition for the available apartments, renters may still have some difficulty finding the perfect apartment. This article will offer some tips for finding a rental apartment that suits all of your needs.

Figure Out Your Needs

The first step of any apartment search should begin with the potential renter carefully identifying all of their needs in an apartment. This list of needs will be different for every renter. While some renters are simply looking for a place to eat, bathe and sleep other renters may be looking for a living space which will serve a number of purposes including working, entertaining and participating in leisure activities or hobbies. When making this list of needs the renter should consider the options they cannot live without as well as the options they want to have but can live without. It is important to make this distinction because the renter will want to ensure the apartment they choose has all of the features they need and ideally a few features they want. However, an apartment which does not have all the required features may become an uncomfortable living situation very quickly.

Do Your Research

Once a renter has a good idea of the basic features he is looking for in an apartment, he should begin researching his options. Researching apartments can be done on the Internet, through the newspaper or through rental magazines. Renters may use one of these research methods exclusively or may combine a few of the methods to form a customized strategy for researching apartments. The research phase will give the renter an idea of the types of properties available for rent in the area.

Comparison Shop

The next step is the process of comparison shopping. This basically entails visiting several different rental properties and touring these facilities. During the tour the renter will get a good idea of available options as well as the costs associated with these options. This is helpful for two very important reasons. First it gives the renter a good idea of the types of apartments available within their budget. Second it gives the renter the ability to bargain regarding price. Renters who have proof of other apartment complexes offering more favorable rental terms, may be able to entice another complex to lower their prices slightly.

Ask for Recommendations

Renters can also help themselves in their search for an apartment by seeking recommendations from trusted friends and family members. These recommendations can be taken to be much more worthwhile than recommendations offered by the apartment complex from previously satisfied tenants. It is important to note the apartment complex is likely to only offer testimony from tenants who were happy with their rental agreement. For this reason, opinions offered by friends and family members are much more valuable because they do not have a vested interest in the rental property and simply offer their honest opinion. Friends or family members who share your interests and personality traits can be very helpful in offering recommendations for apartments because it is very likely you will be happy with the apartment they recommend.

Consult the Better Business Bureau

Finally, renters should consult the Better Business Bureau (BBB) before making a final decision and choosing an apartment complex. This can be very helpful especially if the renter finds a particular apartment complex has a number of unresolved complaints against them. While a lack of complaints is not necessarily an endorsement, it is a good sign if the complex has been in business for number of years without a slew of unresolved complaints.

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Tips for Finding a Rental Apartment

Finding a rental apartment is not always easy. Depending on occupancy rates in a particular area, it actually might be quite difficult to find available apartments that are also within your price range and meet all of your pre-determined requirements. However, even in areas where there is not a great deal of competition for the available apartments, renters may still have some difficulty finding the perfect apartment. This article will offer some tips for finding a rental apartment that suits all of your needs.

Figure Out Your Needs

The first step of any apartment search should begin with the potential renter carefully identifying all of their needs in an apartment. This list of needs will be different for every renter. While some renters are simply looking for a place to eat, bathe and sleep other renters may be looking for a living space which will serve a number of purposes including working, entertaining and participating in leisure activities or hobbies. When making this list of needs the renter should consider the options they cannot live without as well as the options they want to have but can live without. It is important to make this distinction because the renter will want to ensure the apartment they choose has all of the features they need and ideally a few features they want. However, an apartment which does not have all the required features may become an uncomfortable living situation very quickly.

Do Your Research

Once a renter has a good idea of the basic features he is looking for in an apartment, he should begin researching his options. Researching apartments can be done on the Internet, through the newspaper or through rental magazines. Renters may use one of these research methods exclusively or may combine a few of the methods to form a customized strategy for researching apartments. The research phase will give the renter an idea of the types of properties available for rent in the area.

Comparison Shop

The next step is the process of comparison shopping. This basically entails visiting several different rental properties and touring these facilities. During the tour the renter will get a good idea of available options as well as the costs associated with these options. This is helpful for two very important reasons. First it gives the renter a good idea of the types of apartments available within their budget. Second it gives the renter the ability to bargain regarding price. Renters who have proof of other apartment complexes offering more favorable rental terms, may be able to entice another complex to lower their prices slightly.

Ask for Recommendations

Renters can also help themselves in their search for an apartment by seeking recommendations from trusted friends and family members. These recommendations can be taken to be much more worthwhile than recommendations offered by the apartment complex from previously satisfied tenants. It is important to note the apartment complex is likely to only offer testimony from tenants who were happy with their rental agreement. For this reason, opinions offered by friends and family members are much more valuable because they do not have a vested interest in the rental property and simply offer their honest opinion. Friends or family members who share your interests and personality traits can be very helpful in offering recommendations for apartments because it is very likely you will be happy with the apartment they recommend.

Consult the Better Business Bureau

Finally, renters should consult the Better Business Bureau (BBB) before making a final decision and choosing an apartment complex. This can be very helpful especially if the renter finds a particular apartment complex has a number of unresolved complaints against them. While a lack of complaints is not necessarily an endorsement, it is a good sign if the complex has been in business for number of years without a slew of unresolved complaints.

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Vacation Rentals

Many vacationers opt to rent a home in their vacation destination rather than staying in a hotel. For these vacationers, this is a worthwhile option because it gives the vacationer a more comfortable place to stay with features such as cooking facilities which are not typically offered in commercial hotels. Finding these vacation rentals can be significantly more difficult than simply making hotel reservations but many vacationers report this to be a worthwhile effort. However, some care should be taken when renting a vacation home to ensure the quality of the home meets the expectations of the vacationers.

Finding Vacation Rentals

Finding a vacation rental property can obviously be much more difficult than simply renting a hotel during the vacation. Of course some vacationers will be lucky and have a friend or family member who owns a home in a particular vacation destination and is willing to rent it out to others. Those who do not have this type of fortunate situation have other options for finding a vacation rental property.

Many homeowners in popular vacation destinations rent out their home during the peak season. These homeowners may allow a realtor to handle the transactions. Contacting realtors in the area of the vacation destination and inquiring about available rental properties in the area is one way to start the search. The realtor will likely be able to assist you in finding a home for rent.

There are also many popular websites where homes for rent are listed directly by the owner of the home. Searching the Internet can lead you to a reliable source of homes for rent. These homes are usually divided into categories by region and will likely provide you instant access to available dates. It will likely give useful information such as whether or not pets are allowed, the number of bedrooms and bathrooms as well as the size of the home and the proximity to nearby attraction. The listing may also provide useful information regarding the furnishings of the home. Some rental properties may include items such as bedding and cookware while some may not.

Ask Questions before Renting a Vacation Home

Vacationers who wish to rent a vacation home as opposed to spending their vacation in a hotel should exercise a certain amount of caution in selecting a property to rent. Being cautious will not only enable the vacationer to ensure his rental property meets his expectations but will also help to avoid potentially dangerous situations. One way to avoid these potential problems is by asking a great deal of questions during the process.

Renting a vacation home through a rental agency is ideal for safety purposes. In these situations the agency handles the entire rental giving the renter the security of knowing they are not walking into a potentially dangerous situation. However, even in this situation the renter should ask some important questions. These questions will be explained in the subsequent paragraphs.

How old is the property? Potential renters should ask questions about the age of the property and whether or not appliances, plumbing and electricity have been updated. This is important because this type of information can mean the difference between a comfortable stay in the property and dealing with problems related to the age of the home.

What is included in the rental? While most rentals include the basic necessities, there are some rental agreements which only include the use of the house and furniture. Renters may be required to bring along bedding, towels and even cookware.

How often is the property rented and how is it maintained? These two questions are inter-related because properties which are rented often see significantly more wear and tear than properties which are only rented a couple of times per year. Properties which are rented often should employ a maid service to clean the property thoroughly between each rental and possibly during longer rental periods.

What is the exact location of the property? Asking this question will enable the vacationer to determine whether or not the property is ideally situated for the purposes of the vacation. For example a vacationer on a ski trip would want to be situated close to the mountains while a vacationer more interested in a cultural vacation might be interested in a downtown location which will likely be closer to museums and other locations of interest.

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Vacation Rentals

Many vacationers opt to rent a home in their vacation destination rather than staying in a hotel. For these vacationers, this is a worthwhile option because it gives the vacationer a more comfortable place to stay with features such as cooking facilities which are not typically offered in commercial hotels. Finding these vacation rentals can be significantly more difficult than simply making hotel reservations but many vacationers report this to be a worthwhile effort. However, some care should be taken when renting a vacation home to ensure the quality of the home meets the expectations of the vacationers.

Finding Vacation Rentals

Finding a vacation rental property can obviously be much more difficult than simply renting a hotel during the vacation. Of course some vacationers will be lucky and have a friend or family member who owns a home in a particular vacation destination and is willing to rent it out to others. Those who do not have this type of fortunate situation have other options for finding a vacation rental property.

Many homeowners in popular vacation destinations rent out their home during the peak season. These homeowners may allow a realtor to handle the transactions. Contacting realtors in the area of the vacation destination and inquiring about available rental properties in the area is one way to start the search. The realtor will likely be able to assist you in finding a home for rent.

There are also many popular websites where homes for rent are listed directly by the owner of the home. Searching the Internet can lead you to a reliable source of homes for rent. These homes are usually divided into categories by region and will likely provide you instant access to available dates. It will likely give useful information such as whether or not pets are allowed, the number of bedrooms and bathrooms as well as the size of the home and the proximity to nearby attraction. The listing may also provide useful information regarding the furnishings of the home. Some rental properties may include items such as bedding and cookware while some may not.

Ask Questions before Renting a Vacation Home

Vacationers who wish to rent a vacation home as opposed to spending their vacation in a hotel should exercise a certain amount of caution in selecting a property to rent. Being cautious will not only enable the vacationer to ensure his rental property meets his expectations but will also help to avoid potentially dangerous situations. One way to avoid these potential problems is by asking a great deal of questions during the process.

Renting a vacation home through a rental agency is ideal for safety purposes. In these situations the agency handles the entire rental giving the renter the security of knowing they are not walking into a potentially dangerous situation. However, even in this situation the renter should ask some important questions. These questions will be explained in the subsequent paragraphs.

How old is the property? Potential renters should ask questions about the age of the property and whether or not appliances, plumbing and electricity have been updated. This is important because this type of information can mean the difference between a comfortable stay in the property and dealing with problems related to the age of the home.

What is included in the rental? While most rentals include the basic necessities, there are some rental agreements which only include the use of the house and furniture. Renters may be required to bring along bedding, towels and even cookware.

How often is the property rented and how is it maintained? These two questions are inter-related because properties which are rented often see significantly more wear and tear than properties which are only rented a couple of times per year. Properties which are rented often should employ a maid service to clean the property thoroughly between each rental and possibly during longer rental periods.

What is the exact location of the property? Asking this question will enable the vacationer to determine whether or not the property is ideally situated for the purposes of the vacation. For example a vacationer on a ski trip would want to be situated close to the mountains while a vacationer more interested in a cultural vacation might be interested in a downtown location which will likely be closer to museums and other locations of interest.

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What Does the Rent Include?

There is no simple answer to the question of what is included in the rent. This is because the answer will likely vary from one apartment complex to the next. Some apartment complexes may include a variety of items within their rent while others may charge renters additional fees as needed and still others may require the renters to register directly with individual public utilities and handle these expenses on their own.

Likewise some apartment complexes may include additional features with the price of the rent while others may charge additional fees for these features. A pool, exercise room, meeting room or theater are just a few examples which may be offered by an apartment complex. In most cases the use of these amenities are included in the price of the rent but there are exceptions where the renter is charged an additional fee for the privilege of using these amenities.

Consider the Price of Utilities

When considering the price or a rental property, the renter should first determine whether or not utilities are included in the cost of the rent. This is significant because depending on the size of the property and the climate of the area, heating and cooling costs can be rather expensive. In most cases, the renter is responsible for the cost of their own utilities and their apartment is individually monitored for usage and the renter is billed monthly by the utility company. However, in the case of an individual renting an apartment in a private home as opposed to an apartment complex, the homeowner may collect money for utility uses in another way. Depending on the agreement between the homeowner and the renter the monthly rent may be set at a rate which includes a contribution to the utility costs or the renter may be assessed a pre-determined percentage of each utility bill on a monthly basis.

It is important to consider the price of utilities when they are not included in the rent because failure to do so can lead to unpleasant surprises in the future. For example a renter in a particularly cold climate may rent a spacious apartment for a great rate only to find out later that the cost of heating the apartment makes it difficult for the renter to afford to live in the apartment.

Consider Amenities which are “Free”

When renters are selecting an apartment, they should consider the amenities which are “free” as opposed to the amenities for which the renter is charged an additional fee. The word free is used in quotations in the heading of this section to indicate these amenities do not always come without a price. A renter may not pay a usage fee for some amenities but it is very likely the privilege of using these amenities is factored into the monthly rent.

As an example consider two 800 square foot apartments in the same geographical area. Each apartment may have a similar layout and comparable square footage but the monthly rents associated with these two apartments might be quite different. In examining the amenities you might notice the higher prices apartment has access to a pool, an exercise room and a theater all for the use of residents while the lower priced apartment offers no such amenities. In this case the residents of the more expensive apartments are actually paying a higher monthly rent as a result of the amenities offered.

In a case such as the example above, renters should weight their options carefully. If they can afford to pay the more expensive rent, they should carefully consider whether or not they wish to pay a higher fee for use of the amenities. A renter who doesn’t like to swim, belongs to a gym and does not have a great deal of free time to watch movies may decide they would be better off selecting the lower priced apartment without amenities.

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Sabtu, 22 Agustus 2009

How to Homeschool Your Child

Now that you have decided that homeschooling is the way to educate
your child, get ready for the ecstasy and the anxiety - the road
ahead is a bit bumpy, but the rewards more than make up for it.
Producing a well-adjusted and well-rounded personality is no mean
achievement.

First of all, it is important to check out your state laws on home
schooling. Some states need an affidavit filed with the State's
education department. There are basically 3 categories for
homeschooling laws. These are: private school laws, home education
laws and equivalency laws. Find your state laws. You may also need
to maintain a portfolio that records the child's educational
progress. It is important to look into the legal requirements
BEFORE you start homeschooling. Some States also stipulate a
minimum educational qualification for the parent or teacher.

Next, look for a support group. If you live in a friendly or
curious neighborhood, well-meaning friends will try to dissuade
you. At the very least, they may put a lot of uneasy questions in
your mind. A support group that consists of like-minded people
will insulate you from the criticism, pressures and questions of
regular school-goers. Many groups organize fun events like visits
to the zoo, museum, tours to the ice cream shops etc. And if your
children hit it off with other homeschoolers, they will be able to
build lasting relationships that do not fade when their friends
change schools. These groups provide an important avenue for
socialization.

The next important thing to do is to select a curriculum.
Depending upon the method of homeschooling, you may choose various
tools that aid you in this process. The internet is also a rich
resource for homeschooling. Do some research and look into the
material that is available.

Set certain ground rules. Homeschooling requires a lot of
self-discipline and hard work. Here is a comprehensive list of the
things you will need:
1) Eagerness to learn
2) Hard work and effort
3) Discipline
4) Time and patience
5) Flexibility
6) Enthusiasm

Consider why you want to opt for homeschooling. Your motives and
your reasons are important pillars on which the whole edifice of
your child's lessons depends. Also, consult with your children.
Ask them what they feel about homeschooling.

Select a curriculum or custom-make a curriculum that best suits
your child. Record keeping is an important part of homeschooling.
Look into the various methods of record keeping. Set up a
schedule. Your child does not have to learn 6-7 hours a day. Allow
him or her to dictate the time. Flexibility and fun are the
cornerstones of homeschooling. Do not stuff too many skills into a
single term or year. Prepare a skill list. Make the child learn
the skills that he is ready for.

Gentle parenting is the secret to successful homeschooling.
Children make great advances in learning and show more enthusiasm.
They also turn out to be surprisingly well balanced and well
informed when they are taught at home.


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Is Homeschooling legal?

Without a doubt, homeschooling is legal in all the 50 States of
the U.s. But, that is just about where the similarity ends. Laws
and regulations regarding homeschooling vary from state to state.
Interpretations of these laws can vary from scholl district to
school district. Additionally, these laws may change every year.

The National Home Education network is a wonderful resource when
it comes to the legalities of homeschooling. It has a listing of
the actual state laws for each state in the U.S. Reading the laws
that pertain to your state is perhaps the best way to get accurate
information about these laws. But, most people need to get the
laws interpreted by a qualified attorney. You can get valuable
information from the support group at your locality. Additionally,
many state education departments have online resources that will
help you in interpreting the state requirements for homeschooling.
The internet is also a good source of information.

It is a good idea to check out your state laws regarding
homeschooling before you start educating your child at home. This
will prevent any nasty surprises on the way. If you have to move,
you will need to be aware of any tests or exams that your child
may need to take.

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Maintaining Discipline in Homeschooling

When the child stays at home all day, and mommy is the teacher,
there are certain issues of discipline at stake. It is easy for he
child to misconstrue the freedom he has at home and feel that
homeschooling is just a long summer holiday. This is a potential
landmine and children need to be disciplined right at the start.

Homeschooling gives you and your child a truly immense amount of
flexibility. You and your child decide where to learn, how much to
learn and when to learn. But,these should be decisions made at
the beginning stages. If your child is too little to take an
active part in the decision, chart out a few hours of the day for
the various activities, and stick to it. When there is no outside
agency to supervise and no exams to answer, it is easy to get
sidetracked. If your child is old enough, consult him and find out
when he wants to learn. Apply your parental discretion and come up
with a timetable.

Homework is also a part of homeschooling. What this means is that
once lessons have been taught, the child should be asked to do
some part of the course work by himself without your guidance. You
will need to make sure that your child sits willingly and finishes
his work.

Courtesy, manners and punctuality are some of the various facets
of discipline that a child has to imbibe in the early years of his
life. The school where he interacts with his peers, his seniors
and juniors and his teachers mould these values quite
automatically. At homeschool, the child should be taught the
importance of speaking and behaving in a proper manner and
appropriate corrections need to be meted out if behavior is
unsatisfactory.

It is advisable to keep aside a particular room or a part of the
room for your homeschool. The child should be expected to reach
his desk at the appointed time, in proper attire with all the
necessary material. It is easy to allow the school to become an
extension of play if these ground rules are not laid out and
followed. As the teacher, supervisor, principal and janitor rolled
into one, you should also approach the study area with a cool
professionalism.

Homeschooling is doomed to fail without patience. In spite of all
the precautions and steps one takes, it is easy for a child to get
familiar' at homeschool. At such times, it may be difficult to
discipline the child and get him to listen to you attentively.
When this happens, switch to something new. Allow the child to
take a breather and enjoy a break yourself.

Homeschooling is not easy. It requires a lot of hard work and
patience. The very informality of the whole procedure sometimes
works against it by making it too easy. If you take steps to
establish rules at the very beginning and adhere to these rules,
your homeschooling experience will be a huge success.


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Montessori Homeschooling

Developed from the work of Dr. Maria Montessori, this style of
teaching aims at duplicating natural laws that a child faces in
life. Thus the aim of the teacher is to control the environment
and not the child. It was observed that children who are left free
to interact with their environment developed an innate
self-discipline, love for order and natural curiosity.

The Montessori method of teaching is especially suitable to the
preschooler who wants to do everything by himself. Finding ways in
which your child can participate in the cleaning, washing,
cooking, gardening and other 'adult' activities sets the perfect
backdrop for the learning experience. By providing such
opportunities for independence, the child's self-esteem also gets
a huge boost.

Artistic, cultural and scientific activities abound in the
Montessori 3-6 class. There is no TV, junk food, or computer.
Material is selected carefully. The child is never forced to work.
Instead he is encouraged to do things that interest him, and the
teacher picks up the teaching from cues given by the child. The
Montessori method focuses on the child's inborn ability to learn
from his surroundings. Thus the teacher aims to encourage the
natural curiosity of the child. He is never forced to learn or
explore. When the child understands why he needs to learn
something, he will love the learning process.

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Record keeping in Homeschooling

A topic that frequently comes up in meetings and forums that deal
with homeschooling is record keeping. The importance of record
keeping cannot be ignored. It is not only legally required in
various States, but also provides important milestones in your
child's learning experience. An interest-initiated homeschooling
approach means that the topic of studies is far ranging and
multifarious. Thus, it can be something of a challenge to write
quarterly reports for the school district, when it is difficult
to classify learning into neatly pigeonholed areas.

Record keeping is important not only for the sake of regulations.
It is also an exciting way to record and document the learning
process of the child. When most of the learning is done through
play and there is no clear cut index of topics that have to be
covered, it is necessary for the parent to keep some sort of a log
which records the child's progress.

The records you keep can be as simple as a daily journal, or as
elaborate as a software program. If you participate in a support
group, you probably have set forms and requirements. But even so,
keeping track of daily work makes reporting easy and efficient.


There are various record keeping methods used by various
homeschools. Some of the more popular ones are:

Journal:
This can be maintained by the teacher or the student. This
basically aims to keep a log of what was learned and what was
done. Recording memorable events that happened in the course of
the year is a great way to reminisce later on.


Daily planner:
Lay out the plans and the assignments for the week in a teacher's
planning notebook. Check each item as it is covered. Maintain a
separate area where any additional things can be recorded. This
includes educational trips, visits and videos etc. Any extra
topics that were covered are also recorded in this area. Make a
summary every quarter.

Portfolios:
This consists of a collection of varied materials that show what
the child has achieved and done during the course of study.
Portfolio assessment is a very effective way to chart the child's
progress. It gives structure to the otherwise loose and flexible
form of schooling called homeschooling. A drawing portfolio will
consist of some paintings or sketches that are considered the best
in that quarter. A language portfolio may consist of essays,
stories, reading-logs, spelling samples or letters. Progress in
mathematics, fine arts, history, science and social studies can
all be recorded this way. The biggest advantage is that portfolio
assessment places control in the hands of the children. Having a
tangible record of what they have established eggs them on to
greater heights.

Other than the above-mentioned systems, there are also purchased
record-keeping systems that lay out a good checklist. Some of
these allow one to personalize the organizer. Irrespective of the
methods used, record keeping in one form or the other is
essential. Your child's future may well depend on the
well-maintained record that you have meticulously kept over the
years.

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Social concerns of homeschooling

Social skills is an area of deep concern when it comes to
homeschooling. Many critics point out that since man needs to hone
his social skills, a homeschooling environment where social
interaction is limited is detrimental to his growth and
development. But studies have proved this wrong.

Children put into the fiercely competitive school environments
lack the confidence to hold a conversation. Such children show
little genuine interest in the topic of conversation and don't
know how to interact with people of various age groups,
especially their elders.

Children who learn at home are more aware of the implications and
the purpose of their learning. They will ask intelligent questions
and make accurate observations. Children begin their life by
imitating their parents. Homeschooled children therefore pick
up the sterling qualities they see in their parents. On the other
hand, they are protected from the detrimental influences of their
peers.

These children are thus better equipped with the tools necessary
to face the world. The positive reinforcement that takes place
in the homeschooling environment as opposed to being abandoned,
embarrassed or ignored in a normal school environment strengthens
their self-esteem. Children turn out to be better balanced and
well-rounded as they progress into adulthood.

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Structure the School year

Now that you have begun your homeschooling schedule, there are
various questions that trouble you. Should you study continuously,
take a number of short breaks or a long vacation? What about
public holidays? When should you take a break?

The answer to these questions and many more like these are
actually quite simple: Do whatever suits you best. This is one of
the appealing benefits of homeschooling. You do not have a set
pattern to follow. You do not HAVE to take that autumn break, or
close shop for a prolonged summer vacation. Flexibility is the key
here. For some practiced unschoolers, even a definite curriculum
is not necessary because lessons are a part of their day- to-day
life. But this may not be the case with beginners. Beginners may
need to chart out their activities to fall into a pattern.

Before you plan the structure of your classes, consider some of
the most important issues. What method of homeschooling will you
be following, what is your teaching style and your child's
learning style, what are the work and play schedules, what are
your vacation plans. Some families plan small 1-week vacations at
different times of the year. Other families prefer to go away for
a month or more. Consult with the members of your family, and
chart out a holiday schedule that most suits you.

There are some positive benefits in following the traditional
summer vacation schedule. Firstly, your children can benefit from
the various summer activities, camps and classes. Your child's
schedule will coincide with that of his school-going friends. A
summer job may be possible. A longish summer break also means that
both parents as well as children get a break from their daily
lessons. This could also be a major drawback, as it is sometimes
difficult to get back on track once the classes resume.

On the other hand, there are some advantages to taking numerous
small breaks in the course of a year. Firstly, children do not get
bored since they get time to explore other interests. You can
cover more topics in the extra time that you save. You can also
take family trips and vacations during the less popular periods of
travel. This means lesser crowd and better prices. But beware if
your child becomes restless when other children are enjoying their
long summer vacations.

As far as homeschooling is concerned, you and your family are the
people in charge. Taking care of the individual needs of the child
is the primary focus of this system. So, tailor the school year to
suit your child's needs. Periodic evaluation is a must. Set some
realistic goals and see if you are able to achieve these goals.
Most importantly, avoid burnout - both in yourself and your
children.

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Unschooling your child

Unschooling is the most fluid style of homeschooling. There is no
curriculum and no set boundaries. Many parents feel a bit
apprehensive about such freedom. But, even unschooling has certain
guidelines that make it a great method of homeschooling

Firstly, allow your child to express interests. Let her select the
topic. If she wants to learn about flowers, tell her about the
various flowers, their functions, parts of the flower, rare flowers
etc. But don't go overboard. Allow her the freedom to stop when
she has had enough. This process of learning may take a month or a
day. It is up to the child to decide how much she wants to learn.

Expand your child's areas of interests using videos, books, magazines,
puzzles and games. Go to a museum or take her to a library.
Simultaneously, broaden your own interests. The more you know, the
more the child gets to learn.

Notice all opportunities for learning. When in the kitchen, point out
the vitamins in fruits and vegetables. What makes tomatoes red, and
why are leafy vegetables good? If you don't know the answers, don't
worry. Look it up. Lastly, don't worry if the going seems slow. This
is just the way kids learn. Give them time and lots of encouragement.

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What is Homeschooling

The term 'homeschooling' basically refers to the process in which
one or more children of not more than 2 families are instructed by
parents or legal guardians, or a member of either household. The
laws that define homeschooling vary from State to State. The legal
requirements for establishing a homeschool also vary with the
State.

For most children, the actual process of learning begins much
before school. Many children already know their alphabets, the
names of animals, colors and other more complicated stuff before
they reach school. This is mostly due to the hard work of a member
of the family who has taken the time to teach the child.
Homeschooling is just a natural progression from here. Instead of
sending their children to a public school, parents make their own
curriculum and teach their children in ways that best suit the
child. This is homeschooling, in its most simplistic form.

Before you decide to go in for homeschooling, there are certain
important matters for consideration. First off, meet with parents
of other homeschoolers. Find out the pros and cons of
homeschooling. Then ask yourself why you would want to adopt this
method. This is a very important aspect, as the success of the
program depends on the clarity and sincerity of your purpose.

Next, it is time to consider the expenses of homeschooling. It may
cost anywhere between a few hundred dollars to a few thousand
every year. More importantly, you are also effectively shutting
out any job opportunity for one of the parents. It is only obvious
that one parent will have to stay at home full time to manage the
homeschool. A home-based business however is a great alternative.

Are you qualified to take on homeschooling for your children?
Teaching is a continuation of your own learning process. With the
advent of the internet, information is aplenty. There are various
books and resources for those interested in homeschooling. Go
through the various methods of homeschooling and choose one that
is most suited to you. It helps if you know what kind of learning
style your child has. Also, find out what your child feels about
homeschooling before you start.

Every state has its own laws regarding homeschooling. For
instance, in North Carolina, you must first file a 'Notice of
Intent' to start a home school. In this you have to mention if the
school is a 'Private church' school or a 'qualified non-public
school'. The persons providing the education are required to have
at least a high school diploma. You have to maintain an annual
record of the child's attendance and disease immunization. Every
year, the child is required to undergo a standardized test. Each
student attending the eleventh grade has to take a nationally
standardized test. These are the requirements in North Carolina,
but it is enough to give you a good idea of what homeschooling
entails.

Homeschooling may seem like a lot of fun and freedom from the
outside. However, things are seldom as simple as they seem.
Homeschooling is a lot of added responsibility and hard work. But,
if successful, it will forge a strong bond of love and respect
between parent and child, while providing your child with the best
form of education he needs.


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Subtle Email Marketing

Everyday Internet users receive tons of emails telling them to buy certain products or visit particular websites. While these emails arrive in the inboxes of unsuspecting Internet users each day, most of them pay very little attention to these emails. That is because emails which are blatant advertisements are often viewed as spam. Most Internet users have very little tolerance for spam. Reactions to spam tend to range from simply ignoring the emails and having the email addresses blocked from sending future emails to reporting the emails to their Internet service provider for further investigation. We realize many Internet marketers have difficulty keeping their email marketing subtle. Therefore this article will provide some useful information on how email marketing can be kept subtle so it is not viewed as spam.

One of the most important criteria for ensuring your email marketing is subtle and will not be viewed as spam is to provide something of quality to the recipients. This may include insightful articles, interesting quizzes or other useful facts which members of the target audience are likely to find useful. When email recipients realize an email they received is offering them something worthwhile such as knowledge or information about a particular niche subject they are much more likely to spend some time reviewing the email because they will not consider the email to be spam. In addition to using the creation of this copy to convince recipients that the email is not spam, the business owners can also take advantage of this copy by providing subtle advertising. This may include product references in the articles or links to your website throughout the email.

Avoiding language which makes outrageous claims can also help to keep advertising quite subtle. Using superlatives and describing the greatness of specific products is likely to be viewed as blatant advertising. When this happens, it is not likely that website owners will believe there is validity in anything contained within the email because they will believe the entire email is simply one big advertisement for your products or services.

Another way to keep advertising subtle when running an email marketing campaign is to only send your email to those who are likely to be extremely interested in your products and services. This is important because when email recipients receive an email which does not reflect their interests at all, they are not likely to take the email serious and may view the email as a blatant advertisement. However, when the email is only sent to those who share a common interest the email seems more personalized. In this case the email recipients are not likely to view every product reference as a blatant advertisement because they understand there is sometimes a need to mention products or services.

Finally email marketing remains subtle when the content of the email is written as though it is not coming directly from the business owner. The copy may speak about the products and services as though they are being offered by a third party. This make the advertising seem more subtle because it does not appear to come directly from the business owner.

Finally, business owners can help to ensure their email marketing efforts are not viewed as blatant advertisements by keeping reference to your own website to an absolute minimum. Most Internet users often view links from one website to another strictly as an advertisement. For this reason it might be worthwhile for business owners who are marketing an email campaign to keep links to a minimum and to carefully weave these links into even the most quite benign copy. The links should be provided as though they were only included to provide you with an opportunity to learn more about the products and not as a way to encourage you to purchase these products. It might be worthwhile to consider hiring a writer with this type of experience to ensure the copy conveys the desired message and has the desired effect on the email recipients.

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The Reaction to Your Email Marketing

Email marketing can actually be much more effective than most people think. Many business owners do not invest a great deal of time, energy or money into orchestrating an email marketing campaign because they mistakenly believe all email marketing is viewed as spam. However, this is simply not true. Business owners who have discovered how to market via email successfully, enjoy a great deal of success with this type of marketing. This article will discuss how email marketing can be successful and will provide insight into how to determine how your email marketing is being received.

Before we can discuss how to determine the reaction to your email marketing campaign, it is important for business owners to understand how to plan and execute an email marketing campaign which is successful. Perhaps one of the most important elements of type of campaign is to ensure your marketing efforts are not viewed by the recipients as being spam. One way to do this is to carefully develop your email distribution list. Although you can reach a tremendous audience by sending out your email marketing materials to a large email list, this is not effective when you do not know much about whether or not the members of this email list will even be interested in your products or services. It is important to note that reaching a huge audience is not more important than reaching a highly targeted audience.

Focusing your email marketing efforts on millions of recipients who do not have a specific interest in your products or services is not nearly as effective focusing your email marketing efforts on only hundreds of email recipients who are likely to be very interested in your products or services. This is because you are much more likely to generate sales from a small, target group than you are from a large group without a specific focus.

Now that you know a little bit about email marketing and how it can be effective, you might wonder how you can determine just how effective your email marketing efforts are in the long run. This is important because it is not worthwhile to invest a great deal of time, energy and money into an email marketing campaign if your efforts are not generating results. Likewise, if your email marketing campaign is widely successful, you might want to consider organizing additional marketing efforts to further your success. We reccomend www.Automatic-Responder.com if you do not already have an autoresponder service.

Customer surveys are one of the easiest ways to evaluate the reaction to your email marketing campaign. Asking customer to fill out simple surveys when they make a purchase can provide a great deal of insight depending on the questions you ask. Questions such as where the customer learned about your products and services may seem rather innocuous but this information can actually be rather useful to the business owner. Learning where a customer learned about the products and services you offer, provides excellent feedback for which of your marketing efforts are generating the most interest. If you receive a great deal of responses stating customers learned about your products or services through emails, this is a good indication that your email marketing campaign is effective.

Another very popular way to evaluate the reaction to your email marketing efforts is to closely monitor your rate of sales as well as your website traffic immediately after you issue a new email to members of your distribution list. This can be helpful because an increase in sales or website traffic after an email was issued is a strong indication that the email was well received and encouraged recipients to visit the website and make purchases. However, there is one caveat to this method of evaluation. It can be quite difficult to determine whether or not the emails caused the increase in website traffic and sales if more than one marketing effort was made at the same time. For example if you issue an email at the same time as you launch a banner ad, you cannot determine which one is more effective and is driving the increase in sales and traffic.

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The Right Content for Your Email Marketing

Email marketing may include sending email advertisements to a large distribution list, publishing and distributing an e-newsletter and sending informative emails with a soft sell approach to encourage recipients to make a purchase or visit your website. Whether you opt to utilize one or all of these email marketing techniques, you will be faced with one specific dilemma and that is writing the content which will appear in these emails. This is critical because these emails may be the first impression potential customers are receiving for your products and services. Superior content will give the potential customers a good first impression which may make them more likely to purchase your products or services. This article will discuss some proven techniques for ensuring the content you use in your email marketing campaign will reap the maximum benefits.

The importance of hiring a professional writer to assist you in your email marketing campaign cannot be stressed enough. It is one of the most critical elements to the success of your campaign. You may be a decent writer or you may have a staff member who you think can do a good job creating the content for your email marketing but unless you or your staff member is a professional writer by trade, the quality of the work will likely not be of the same quality as a professional can produce. This can be very damaging especially if your competitors are hiring writers to create their content. Your emails will likely not be viewed as favorably as the emails written by professionals.

The content you decide to include in your email marketing efforts is largely a matter of personal preference but there are some methods which have traditionally been more successful than others. The type of content which may be effective often includes informative articles, short useful tips, links to relevant websites, advertising for complementary products and even some subtle forms of advertising which are meant to persuade the recipients of the email to either make a purchase or visit your website.

Full length insightful articles which are likely to be of interest to the members of your email distribution list are an excellent idea for your email marketing campaign. These articles are a good idea because they will likely contain information which the recipients of your email will appreciate. Additionally, these articles give you the opportunity to include information about your products or services in the copy of the email. This can be a subtle form of advertising when it encourages the recipients to purchase a product or service or visit the website without actually asking the recipient to do so.

Short product reviews can also be very useful and helpful when you include them in your email marketing campaign. These reviews can help to attract a great deal of attention especially when the reviews focus on the products you offer and provide favorable reviews for these products. This type of information can either be subjective in nature or can remain objective by simply specifying the features of the products and offering other concrete pieces of information as opposed to opinions of the products.

Advertising is often a quite important part of an email marketing campaign. This advertising may either be direct or indirect in nature. Direct advertising may include banner ads or other graphical advertisements which encourage website visitors to click through the link to reach either your website or a sponsor’s website. Indirect advertising may apply to content in the copy of featured articles which subtly encourage visitors to make a purchase or visit your website. The indirect marketing in an email marketing campaign is usually supporting the products or services you offer while direct marketing will likely promote products and services offered by sponsors who paid to receive advertising space on the email. Email recipients are usually well aware these graphics are part of an advertisement and will choose to click on these links when they have an interest in the products or services being offered.

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