Fishing forum the fishing connection that enlightens pros and the novice

Why do fishermen catch fish and I come home empty handed? What do the fishing guides do to help insure success for a paying client? Fishing a new location while on vacation can be very difficult. Locations, baits, and gear are number one questions. Time of year affects fishing success. These questions are but a few answered at the fisherman’s second most favorite fishing destination…

Capt. Fisherall has made his weekly announcements on the fishing forum with little to no complaints. His reports always give the daily fishing conditions, including the fish caught and the bait and tackle used. Although he doesn’t give away his favorite GPS fishing locations, a fisherman could emulate his prescription and expect moderate success. Capt. Fisherall usually spices his electronic exchange up with a good ole fishing story and ends with an invitation to “Come fish on the USS We Use Tourist For Bait”. The fishing forum Webmaster doesn’t see any harm done, and Capt. Fisherall is welcomed and expected each week. Some newbie forum users chastise the exploitation of their chat sanctum while the Pros cheer him on and take notes furiously.

A totally new visitor pops a question “Can anyone tell me how to catch trout?” Well the forum has its’ seasoned granddads and smart-alecks who gently guide this fishing prospect through the paces of landing his first fish. The fishing forum has a general store atmosphere where the fire is warm all winter and the chin chatter is thin while the fisherman plies his art.

A new carp bait recipe has surfaced and a bass boat and trailer needs a new home, desperately.

Another fishing video is for sale.

Check out the wintertime catfish fishing techniques on Cedar Lake.

The third week of May the lake is “turning over” and the sand bass are literally jumping into the boat chasing shad!

Coho are showing up just a mile off Noyes Island.

If the subject is of interest to fishermen it is listed on the fishing forum. The mix is: fishing reports, classifieds, bulletin board, how to tutors, and a camaraderie that is what makes fishermen around the world immune the language barriers.

The fishing forum has its’ regulars like Capt. Fisherall, fishing professionals, novices and granddads all with a mindset to learn as much as they teach. The best unbiased fishing gear reviews are recorded without fanfare or solicitation on the fishing forum. New ways to tie knots and different types of fishing line together are shared without more than a “thank you.”

The fishing family gathered at the fishing forum are well known to each other by their hand chosen “handles”. Capt. Fisherall could actually be Capt. Jerry, and the USS Dancer is probably the real name of the USS We Use Tourist For Bait, or not…

The fishing forum buddies may not ever meet on the same streambed or pass each other on the starboard side, but on a regular basis they hail each other on their second most favorite fishing spot, … the fishing forum!

H-f-l-team working moms home business

Do you remember all of those slogans form the 60's and 70's about women?

"A woman's place is in the house and senate"

"Women, you can have it all!"

"I can bring home the bacon and fry it up in a pan"

My Mom did not "work". She stayed home all day and

Cleaned House

Cooked

Shopped

Drove us to different sports events

Coached

Raised kids/encouraged, disciplined, taught, mended injuries exc.

Did laundry

Handled household budget and finances

Okay she had at least 10 jobs long hours no pay. No wonder women wanted out of the house!

But what they found is that not only were they now working outside of the home all that work at home didn't go away.

Women friends of mine that worked outside of the home found themselves spending almost all they earned was going to day care, commuting expenses "gas, parking, maintenance " and wardrobe.

The biggest complaint was they had no time to spend with their kids. They were asking themselves "Why did I have kids if I am going to turnover raising them to a stranger making minimum wage?"

As a man and father I could not fully understand how they felt, but I know it troubled them deeply. I was fortunate that I was a firefighter and with my schedule I was able to help raise my daughter and help with a lot of the household responsibilities. I found out first hand what "moms work" is and it was intense!

What's the answer?

I wish I could that the credit for this brilliant idea, but no. Work form home online. It can be the answers to many stay at home work at home needs.

The computer and internet can provide stay at home moms with numerous options. Your passions, ideas, and creativity can all be funneled into your home business.

I met a stay at home mom that lives in my building. I would see her out with her baby in one of those "jogger strollers" and she would have one or two dogs with her. But I noticed that they were different dogs at different times. I stopped and talked to her at the mailbox and asked her about the number of dogs she has. She laughed and told me that they're not all hers.

She went on to say that she is a stay at home mom, and her husband works a regular 8 to 5. She is working on getting her home business up and running and that she walks dogs for people in the building. She stated that they pay her $25.00 to walk them that is about $50.00 to $75.00 a day!

Wow the entrepreneurial spirit is alive and well in that home!

So she is getting her home business going, earning cash with the dog walking, spending time with her child and getting her exercise. She is also planning to home school her child. She has it figured out.

What can you do?

Follow my neighbors' model.

Get that home business started. Find other sources of income from the home while it is building. Ask yourself what are you good at, trained in or educated in. What needs do other people have that you can fill. Then apply that to your stay at home strategy.

Take confidence in the fact that you are not the first women to work from home. Women have been doing it for a very long time.

I check out some Bible verses and found many about working women. Here are a few that I found.

Proverbs 31:14-18

14 She is like the merchant ships, bringing her food from afar.

15 She gets up while it is still dark; she provides food for her family and portions for her servant girls.

16 She considers a field and buys it; out of her earnings she plants a vineyard.

17 She sets about her work vigorously; her arms are strong for her tasks.

18 She sees that her trading is profitable, and her lamp does not go out at night.

You see you're in good company. Now go out and start fulfilling your Hundred-Fold-Life.

Eliminate the woes of surprise home repairs

Few things are more disruptive and frustrating than unexpected home repairs. And when they occur, they can be budget-busters.

From water heaters to air conditioners to dishwashers, homeowners spend hundreds of dollars annually to maintain and repair their home's systems and appliances. When major systems fail, expenses are even greater, averaging more than $1,000 in repairs, according to experts.

The good news is, there's a practical and affordable solution to the surprise costs and hassles when home systems and appliances break: a home warranty. Home warranties cover these major breakdowns, and often for less than $500 per year.

More and more homeowners are discovering home warranties. According to recent findings, nearly 72 percent of real estate professionals nationally recommend home warranties to their clients and 90 percent of California real estate transactions close with one.

But cost isn't the only factor driving their popularity; questionable contractors are playing a role, too. When heating systems go haywire or the refrigerator loses its cool, most homeowners prefer to have someone else do the work. Trouble is, finding qualified technicians quickly is no easy task, compounding many homeowners' frustrations.

Poor quality of work, disreputable contractors and work not complying with local codes are growing concerns among homeowners searching for contractors.

Fortunately, home warranties can ensure help from a qualified technician in a timely manner. In fact, American Home Shield works with a network of 11,000 authorized contractors who promise to visit homeowners within two business days.

To ensure that homeowners receive the best possible service, American Home Shield continually evaluates its contractors on quality, cost and professionalism by surveying homeowners. Contractors with the highest survey rankings receive more work, while those with poor performances are removed from its network.

In the past year, American Home Shield covered more than 1.2 million homes' systems and appliances with its warranties and performed more than 2.3 million service calls nationwide.

Internet marketing - the vital ingredient

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Having created a wonderful website in order to sell your product, you now need the means to entice your visitors to actually buy. For this, you need two vital things. Firstly, you need to capture the names and email addresses of visitors to your website and, secondly, you need to be able to communicate with them. Make sure you have a mechanism in place for this before you start promoting anything online.

Research has shown that it takes 7 visits to your sites, or communications with, a potential customer before they will be tempted to buy something from you. Without the means to do this, you will have missed a golden opportunity to make money. Building up a mailing list is vital to your new business.

The essential tool required is an autoresponder. The autoresponder will capture names and email addresses from your website (the start of your mailing list) and then allow you to send targeted emails out to those people. It manages your database of potential customers. A section on the autoresponder can generate the HTML code for a sign-up form to place on your website, which then directs those visitors’ names and email addresses to a particular campaign in your autoresponder. You can have several campaigns running at the same time if you wish.

But, you may ask, who would just give you their name and email address? By giving away something free and of value on your website, such as a report, eBook, or mini-course, people will be tempted to subscribe. Giving away free information really works.

Within your autoresponder, you can set up pre-programmed messages to send to your potential customer, such as an initial and instant message and a link to a page where they can download their free report or get more information. Then follow up with further email messages with extra and more persuasive information at different intervals, 2 days later perhaps, then 5 days after that, and so on, and all will be dispatched automatically by your autoresponder.

In this way, you can send out emails for a planned marketing campaign to entice them to buy your product. And because your customers have voluntarily signed up, your emails will not be considered as spam, but value their privacy and don’t pass their names and addresses to anyone else.

As you build up your mailing list of names and email addresses from your website visitors, and the number grows, why not send out a broadcast email from your autoresponder when you release a new product? Many of those who bought your first product may well buy from you again. You can sell to your list over and over again, but don’t overdo the frequency, and give enough of an interval between products, otherwise you will turn your customers off!

Alternatively, you may like to send your mailing list a regular newsletter of interesting snippets of information – this is also possible with your autoresponder.

One tip: if you can pay for an autoresponder service, all the better. The free ones tends to place adverts on the messages you send out, which may not look professional to your customer.

So for real and profitable success in your Internet Marketing business, get yourself an autoresponder and subsequently a mailing list. It’s your vital ingredient! Good luck!

Penelope Housden.

No faxing cash advance loans understanding late fees and interest rates

Cash advance loans get money in your hands in a matter of hours for those financial emergencies. With no faxing of documents, the application process takes less than five minutes. And with no credit check, approvals happen in no time.

To find the best deal on a payday loan, understand late fees and interest rates. Then ask about them before signing up with a lender.

How Cash Advance Companies Charge Their Fees

Cash advance loans are designed for a matter of weeks, so lenders charge a flat fee rather than an interest rate. Most lenders post their fees as so much to borrow a hundred dollars. On average, financing fees are about 15% or $15 for every $100 borrowed.

If you can’t repay the loan, then just the financing fee is due. For another financing fee, your loan term can be extended. Many states have limitations on often you can refinance your loan. After three times, most lenders will create a payment schedule for you.

The Trap Of Late Fees

Payday loan companies deduct your payment from your checking account. So if there are no funds available, you will be charged a large late fee. Your bank will also charge you a NSF fee. It is very easy to rack up over a hundred dollars in late fees.

If you have outstanding checks, you won’t be able to get a payday loan. But cash advance companies are willing to renegotiate your loan terms before they are late. Before your payment is due, make arrangements with your lender if you are short of funds.

And Then There Are Interest Rates

Most payday loan lenders post an interest rate in compliance with federal law. This rate is the APR, or what the loan would cost for an entire year. While this number can help you make comparisons between different types of credits, it isn’t the flat fee number for a two week loan.

APR rates, financing fees, and late charges vary with different lenders. You can save yourself money by researching fees. Lenders have to disclose loan costs before you sign a contract, so request them before applying.

St. louis schools seek accreditation

Every year the North Central Association evaluates Several St. Louis Schools seeking accreditation. The goal for the organization is to assist St. Louis Public Schools in developing and demonstrating effective curriculums. The process also keeps transient students in the St. Louis Schools up to date with their work. Family relocation is the most common cause of drastically falling grades in the St. Louis Schools. Accredited schools are better able to tackle this problem because they all share a consistent curriculum. So when children move from one school to another, they haven’t lost as much ground.

How important is accreditation to the St. Louis Public Schools? Is it a valid mark of achievement, or just a political rating? While people argue both sides, the truth is that we need consistency in the St. Louis Schools and public education overall. OK - some schools that are improving will complain that they didn’t have enough time, money, or something else. And that may be true. But filtering struggling and failing schools out of the St. Louis Schools is the only way to improve the district.

A uniform curriculum has benefits to almost everyone in the system. Students coming from St. Louis Schools entering colleges will be better apt to succeed from the beginning. Professors will know what to expect from students coming from St. Louis Schools. Knowing the level of work achieved at St. Louis Schools assists these professors in planning their curriculum. This gives college professors the advantage to prepare incoming college students at higher paces and levels. This is more beneficial to everyone rather than having to design a course route that is generally vague and applies to anyone.

To earn accreditation, all St. Louis Schools have to meet high standards. This process is voluntary and optional to all St. Louis Schools. Since the process is voluntary, it ensures the success of St. Louis Schools incorporated into this organization. There are no laws mandating participation so teachers, students, and other faculty members take careful measure to ensure that achieved accreditation is held in a high and honorable regard. Some administrators say that if the process was involuntary, not all St. Louis Schools would see the importance of North Central Associations’ goals as they are meant to be expressed. Hmmm. But wouldn’t making it mandatory require everyone to see them as important?

Overall, the accreditation offered by North Central Association to St. Louis Schools is an improvement. It’s a starting ground for success by students and schools working together relocating children don’t struggle to adjust. The program also helps keep all the students working on similar goals, while setting their own pace. At some point the St. Louis Schools will need to make these policies mandatory. With stricter federal guidelines and pressure from parents and politicians, it’s just a matter of time.

Unique bar mitzvah gift ideas - forget the 36 check check out this bar

Unique Bar Mitzvah gift ideas can easily turn out to be embarrassing, ostentatious, or just plain ridiculous. While Uncle Lenny may have the best intentions in mind when he buys you 18 acres on Mars (18 of course representing the Hebrew word Chai - or "life" - in the Jewish tradition), there are far better unique Bar Mitzvah gift ideas out there.

Not all unique Bar Mitzvah gift ideas need to be sappy or silly. In fact, it can be fun, cute, and memorable to order up a personalized magazine cover for the newly minted 13 year old Jewish "adult."

You can be funny and pose a photo of the young adolescent on the cover along with headlines which speak to his prowess in sports, fondness for Harry Potter books, love of astronomy or what have you. Indeed, you can shape his "magazine destiny" as it were any way you see fit. Turn him into a homerun slugger, a National Geographic explorer, a brilliant academician, or a glamorous Hollywood actor.

You could also turn the tables and offer up the personalized magazine cover as a party favor to friends and relatives who make it to the Bar Mitzvah party. Be aware that you shouldn't make your magazine cover too embarrassing or revealing - some good-natured ribbing is fine, but be aware of the 13 year old's temperament and consult the parents if you think your humorous riffing may be headed "too far."

In short, you can tune your magazine cover Bar Mitzvah gift idea to the mood of the occasion and create a fun, unique, family-oriented gift that's sure to be remembered and treasured - and hopefully displayed fondly for years to come.

Thinking of abandoning your Chai check for a cool and classy personalized Bar Mitzvah magazine cover? Head to YourCover. com right now to get started.