Archive for January, 2012

Selecting a Childcare Center That Will Provide a Safe and Healthy Environment For Children

Friday, January 27th, 2012

Choosing a child care center is one of the most important decisions that a working parent will make to help ensure the health, safety, and overall well being of their child while they must be away from them. Thousands of children are treated in emergency rooms for injuries sustained at child care centers or childcare homes each year in addition to those instances of abuse or neglect. Sadly, some of those children will lose their lives.

There are precautions that can be taken t help ensure that a child will be properly cared for while a parent is at work. The first question a parent should ask is whether the childcare center or childcare home has an open door policy. If the answer is no, that provider should not be selected. Next, a parent should ask the potential provider whether they have been licensed by the state’s childcare licensing department to operate a childcare center or home and whether the certification is current.

Check to see that staff has been trained on blood borne pathogens. With diseases like AIDS, Hepatitis B, etc., and anti-biotic resistant strains of various infections, make sure childcare staff always wear plastic gloves when changing diapers and administering first aid, and that gloves and diapers are disposed of in a separate trash container labeled bodily fluids’. All trash cans should have plastic bags inside and locking lids. All trash should be taken out at the end of every day.

Parents should not be afraid to ask to see the license and most recent inspection date. Find out how many infants, toddlers, and older children they are licensed for and how many children are currently being cared for. Make sure staff has had a background check by the local police department and the state investigative agency. Health and Human Service agencies and local police departments will usually submit a request for a background check on a parent’s behalf for a nominal fee.

Parents should also find out if childcare staff has been trained on child abuse and neglect and the state reporting requirements for suspected child abuse. With an increasing number of incidents of domestic violence and kidnapping by non-custodial parents and other caregivers, parents should find out if doors are kept locked during the hours the center is open for operation and how the childcare provider ascertains that only approved persons are picking up a child and if they have a form that can be signed designating who can and cannot pick a child up?

Other training staff should have had is on positive discipline, nutrition, child development, how to prepare and store food, food allergies and food borne illnesses and the proper storage and handling of food, etc. Staff should be re-certification annually on administering infant CPR, other CPR, choking, and the care of infants, toddlers and pre-school age children by the local American Red Cross, hospital, or other person or agency that have staff certified to be trainers. Make sure there is enough staff to care for the number of children in the center or private childcare home.

Take a walk through the childcare center or childcare home, including outdoor play areas, and the kitchen where food is prepared. Make sure cleaning supplies and other hazardous materials are stored in containers with tight fitting lids and that spray bottles are turned off and everything placed in a locked cabinet well out the reach of children, and that surfaces are clean. Many accidents in childcare centers occur when children accidentally come into contact with toxic materials because someone forgot to properly store cleaning supplies or failed to return them to a locked cabinet.

To ensure their child’s safety parents should make sure that tables are wiped down with warm soapy water after meals and that other cleaning materials that may be more toxic are only used to wipe down tables, cupboards, and bathrooms after the child care center or home is closed for the day and is followed up with a secondary wipe down with just hot water. Also look around and make sure electrical outlets that have safety covers in place to keep children from sticking things into the sockets and getting shocked.

Outdoor play areas should contain equipment that is of a proper height for younger children to minimize the danger of getting injured by a fall. Check to see that there is ample room between pieces of equipment, that the play area is completely enclosed with a locking gate and that there are no splinters, jagged wires, etc. children could get hurt on.

Find out if staff goes outside with the children to supervise and oversee their safety and wellbeing. If possible outdoor play areas should have a thick covering of wood chips or soft rubber matting under equipment to soften a fall. (The wood chips or rubber matting is helpful but not required as they can be an expensive purchase, especially for a private childcare home). Large childcare centers should keep playground equipment and things like trikes that are used by older children separated from equipment for children under five.

A fire and evacuation contingency plan, a floor plan and emergency contact numbers should be posted on a wall or a bulletin board where the can be easily seen if needed. Depending on the area of the country a parent lives in, providers should have a plan for tornadoes, floods, hurricanes, and other natural disasters. Ask staff if children are talked to about what to do if there is a fire on-site and if fire drills are scheduled regularly.

How a childcare provider stores medication is also important for the health of all children. Parents need to ask the provider how they store medication that has to be kept cold, if there is a first aid kit that includes ipecac, and if medication is kept in a locked cabinet or box and stored out of the reach of children. Ask to see the dates on first aid supplies and where the medication is stored.

In order to assure there will not be any risk from medications children have been prescribed, parents should try and schedule their child’s medicine to be administered at home. Of course, if a child has a medical condition like diabetes or asthma, this will not be possible. Make sure the childcare provider stores each child’s medication in a separate zip loc bag with the child’s name on the bag as an extra precaution. Parents should also look to see if a provider posts any allergies a child may have to a medication, food, etc. where other parents cannot see the names of the children while making sure that staff have easy access to the list.

With the increase in unsafe toys and in light of the recent recalls of hundreds of toys made overseas because of lead paint, choking hazards, etc. a parent should ask the childcare provider if they have a current and updated list of recalled products as a visible reminder to not purchase potentially dangerous children’s toys and other products, including infant formula. If the provider does not have a list, parents can ask them to get one as a list can be downloaded and printed off the internet.

Safety gates should be placed tightly in front of stairs, kitchen and laundry doorways, basements, porches, utility areas, or other places that are open. Ensure that basement doors have safety locks that are high enough children cannot reach them and that there are child safety locks on cupboards, refrigerators, oven doors and microwaves. Check to make sure cords are not looped, so there is no potential for hanging.

For infants, childcare providers should have cribs with a certification safety seal, slats should be no more than two and three eighths inches apart and mattresses should fit snugly. Ask providers how infants are placed in a crib to sleep, making sure they are put down on their backs without pillows or comforters.

Once a childcare center or home has been selected and a child is in attendance, parents need to be sensitive to any changes in their child’s behavior. If the child develops a fear of the provider, a staff person, or going to the childcare center parents should follow up by asking heir child questions and by scheduling a meeting with the center or home operator to discuss any concerns. If a child continues to exhibit fear, cries or screams and clings to their parent or other caregiver, parents might want to consider finding another childcare home or center.

Parents can never do too much to make sure that their child, or the child of a friend or relative, will be cared for in a healthy and safe childcare environment. These guidelines will help in selecting the best provider and help a parent be less stressed at work. A checklist could be made to help with inspecting the childcare setting a child will exposed to.

As an early childhood education consultant I have, at times, had to inspect a childcare center or private childcare home. The guidelines set down in this article are things that I have looked at and received training for. When choosing a childcare provider a parent can never be too careful.

copyright 2009 by Jerrie DeRose

Jerrie DeRose – Early Childhood Education Consultant

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Forex: Benefits of Trading the Forex Market

Thursday, January 26th, 2012

Trading the Forex market has become very popular in the last years. Why is it that traders around the world see the Forex market as an investment opportunity? We will try to answer this question in this article. Also we will discuss come differences between the Forex market, the stocks market and the futures market.

Some of the benefits of trading the Forex market are:

Superior liquidity.

Liquidity is what really makes the Forex market different from other markets. The Forex market is by far the most liquid financial market in the world with nearly 2 trillion dollars traded everyday. This ensures price stability and better trade execution. Allowing traders to open and close transactions with ease. Also such a tremendous volume makes it hard to manipulate the market in an extended manner.

24hr Market.

This one is also one of the greatest advantages of trading Forex. It is an around the click market, the market opens on Sunday at 3:00 pm EST when New Zealand begins operations, and closes on Friday at 5:00 pm EST when San Francisco terminates operations. There are transactions in practically every time zone, allowing active traders to choose at what time to trade.

Leverage trading.

Trading the Forex Market offers a greater buying power than many other markets. Some Forex brokers offer leverage up to 400:1, allowing traders to have only 0.25% in margin of the total investment. For instance, a trader using 100:1 means that to have a US$100,000 position, only US$1,000 are needed on margin to be able to open that position.

Low Transaction costs.

Almost all brokers offer commission free trading. The only cost traders incur in any transaction is the spread (difference between the buy and sell price of each currency pair). This spread could be as low as 1 pip (the minimum increment in any currency pair) in some pairs.

Low minimum investment.

The Forex market requires less capital to start trading than any other markets. The initial investment could go as low as $300 USD, depending on leverage offered by the broker. This is a great advantage since Forex traders are able to keep their risk investment to the lowest level.

Specialized trading.

The liquidity of the market allows us to focus on just a few instruments (or currency pairs) as our main investments (85% of all trading transactions are made on the seven major currencies). Allowing us to monitor, and at the end get to know each instrument better.

Trading from anywhere.

If you do a lot of traveling, you can trade from anywhere in the world just having an internet connection.

Some of the most important differences between the Forex market and other markets are explained below.

Forex market vs. Equity markets

Liquidity

FX market: Near two trillion dollars of daily volume.

Equity market: Around 200 billion on a daily basis.

Trading hours

FX market: 24hr market, 5.5 days a week.

Equity market: Monday through Friday from 8:30 EST to 5:00 EST.

Profit potential

FX market: In both, rising and falling markets.

Equity market: Most traders/investor profit only from rising markets.

Transaction costs

FX market: Commission free and tight spreads.

Equity market: High Commissions and transaction fees.

Buying power

FX market: Leverage up to 400:1.

Equity market: Leverage from 2:1 to 4:1.

Specialization

FX market: most volume (85%) is made on major currencies (USD, EUR, JPY, GBP, CHF, CAD and AUD.)

Equity market: More than 40,000 stocks to choose from.

Forex market vs. Futures market

Liquidity

FX Market: Near two trillion dollars of daily volume.

Futures market: Around 400 billion dollars on a daily basis.

Transaction costs

FX market: Commission free and tight spreads.

Futures market: High commissions fees.

Margin

FX market: Fixed rate of margin on every position.

Futures market: Different levels of margin on overnight positions than day time positions.

Trade execution

FX market: Instantaneous execution.

Futures market: Inconsistent execution.

All this makes the Forex market very attractive to investors and traders. But I need to make something clear, although the benefits of trading the Forex market are notorious; it is still difficult to make a successful career trading the Forex market. It requires a lot of education, discipline, commitment and patience, as any other market.

Raul Lopez is a full time Forex trader and founder of http://www.straightforex.com; high quality Forex training and a Forex trading course provider.

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Career Clusters Close the Gap Between Schools Subjects and Careers

Tuesday, January 24th, 2012

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

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

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

Louisiana Integrated Skills Assessment (LISA)

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

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

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

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

There is detailed information in each job profile:

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

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

NCE Career Clusters and State Career Clusters Initiative Resources

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

Career Cluster Resource Booklet

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

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

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

Career Cluster Model

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

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

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

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

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

  • Communication and Information Systems involve:
    • Arts, A/V Technology & Communication (3)
    • Information Technology (11)

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

  • Health Sciences – Health Science (8)
  • Human Services and Resources merges -
    • Education & Training (5)
    • Government & Public Administration (7)
    • Human Services (10)
    • Law, Public Safety & Security (12)

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

    Career Cluster Brochure

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

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

    Career Cluster Slices

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

      Cluster Description

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

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

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

    Career Clusters Plan of Study

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

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

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

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

    Resources:

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

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

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

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

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    PHP Programming For Your Website Success

    Monday, January 23rd, 2012

    PHP web programming services are now much in demand as PHP offers a wide range of advantages like low development cost and high performance. PHP is a script based server side scripting language whose main focus is development for the web. It provides design structure to promote rapid application development and can solve scenarios quicker than some other languages.

    Custom PHP programming is a time and money saving strategy. The code written in PHP is simple and easy to understand. It can be embedded directly into HTML coding. It is flexible in database connectivity and can be used in all major operating systems and supports most web servers. It can be used for command line scripting and is very helpful in developing content management systems.

    PHP based websites offer more room to grow as PHP adds more functionality to your website and allows your site visitors to interact with you through scripts. It’s easy to add content and additional pages to a PHP base website without doing much editing. The language provides a more effective way to make changes to your website without working on every page involved.

    If you have a limited budget, PHP web application development might be a wise choice for your project and its success.

    Our PHP development efforts are put towards creating and deploying highly competitive and reliable web solutions that will succeed in the market.

    Offshore Website development php web site design – PHP web development outsourcing – Offshore Web development company – Acceptoc.com

    Offshore Software and PHP development

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    Becoming An Educator – Choosing The Right Degree Program For You

    Sunday, January 22nd, 2012

    W.B. Yeats said, “Education is not the filling of a pail, but the lighting of a fire.” If you want to be the one to light the fire for learning in the hearts of students, becoming an educator is right for you. But what degree program should you pursue? Because the field of Education is so incredibly diverse, you have many options to choose from. Here is a brief listing of just some of the career opportunities available to those that decide to seek a degree in Education.

    o Teacher Certification & Certification Programs. Looking to earn your Teacher Certification or credential? If you already have a Bachelor’s degree and have decided to teach, earning your Teaching Certificate is the next step to take to launch your career as an educator.

    o K-12. Completing your K-12 education degree will put you on the path toward a rewarding career teaching children of all ages.

    o Adult Education. Graduates of adult education degree programs are given special instruction in adult learning to accommodate the unique needs of adult learners. With more and more people choosing to continue their education well into old age, opportunities for adult educators continue to grow.

    o Art Education. Become an art teacher! Get your degree in Art Education and combine your passion for painting with a talent for teaching. Teaching art to others can be an extremely fulfilling and rewarding career.

    o Business Education. Become a business teacher and learn the rewards of teaching business to others. From accounting and finance to marketing and operations, business teachers not only teach people how to succeed in business, but how to succeed in life.

    o Distance & Online Education Programs for Teachers. Earn your degree in distance learning education and be on the cutting edge of learning technology. Learn about the newest advances in online education technology and discover how to create innovative online experiences for your students.

    o Early Childhood Education Programs for Teachers. Thinking of becoming a preschool teacher? Start by getting your degree in Early Childhood Education. Early childhood teachers are the first to shape the minds of young children and mold the leaders of tomorrow.

    o English Teacher Programs. Teach English and help students discover the language arts. Earning a bachelor’s or master’s degree in English education is the first step toward a rewarding career as an English teacher. English teachers are needed to fill positions in public, private and English language schools.

    o Elementary Teacher Programs. Elementary school teachers work with children in grades K-8, giving them an introduction to a variety of subjects.

    o Higher Education Programs for Teachers. Interested in teaching higher education? Get your doctorate or master’s degree in higher education and take the first step toward teaching at the college level.

    o History Teacher Degree Programs. Get your degree in history education and get on track to a rewarding career teaching history to others.

    o Instructional Technology Degree Programs. Get an instructional technology degree and be on the leading edge of learning technology. Instructional designers create new ways for people to learn by incorporating current technologies such as video and the Internet into a curriculum. Instructional technology is a burgeoning field with many positions expected to open up in the next few years.

    o Math Education Degrees. Want reap the rewards of teaching math to others! Then become a math teacher! Teachers are needed to give mathematics instruction at the elementary, middle school and high school levels.

    o Middle School Education Degrees. Get your middle school education degree today and teach children from sixth to eight grades.

    o Reading & Literacy Education Degrees for Teachers. Teach someone how to read! Become a reading teacher by completing your degree in Reading and Literacy Education.

    o Secondary Education Degrees for Teachers. Focusing on Secondary Education means teaching children in high school. Help shape the next generation by providing a solid education to young students before college.

    o Science Teacher Degree Programs. Science education teachers are high in demand to teach science in Elementary and Secondary schools.

    o Social Studies Education Degree Programs. Social studies teachers are needed to teach in both Elementary and Secondary schools. Get on the path to this rewarding career by earning your degree in social studies education.

    o Special Education Teaching Degrees. Special Education Teachers are some of the most in-demand teachers in education. Special Education teachers held a total of about 441,000 teaching jobs in 2004. The U.S. Dept. of Labor-Bureau of Labor Statistics expects the demand for qualified special education teachers to grow faster than average through 2014. This makes it a great time to get your special education degree.

    o TESOL (ESL) Education Programs for Teachers. Teaching English to Speakers of Other Languages (TESOL) can be an exciting and rewarding career with job opportunities in both the U.S. and abroad. The U.S. Dept. of Labor-Bureau of Labor Statistics predicts that the number of non-English-speaking students will continue to grow, creating demand for bilingual teachers and for those who teach English as a second language.

    o Curriculum & Instruction Programs for Teachers. Get your curriculum and instruction degree and improve your teaching skills while learning to create fascinating new curriculums that bring learning to life.

    o Education Administration Degree Programs for Teachers. Earn your Education Administration degree today and jump-start your career. This advanced degree, either a Master’s or a PhD, will give you the leadership skills you need to manage large educational programs, both in public schools and the private sector.

    o Educational Counseling Degree Programs. Begin a rewarding career in school counseling by earning your education counseling degree. This degree is the perfect way to combine a love of education with a love of psychology.

    o Educational Leadership Degree Programs. Earn your Educational Leadership degree and prepare yourself for a new and exciting career as a school administrator or principal.

    o Library Science / Media / Technology Degree Programs. Get your degree in library science, educational media or technology and begin a rewarding new career helping children access information. Graduates of a library science programs are eligible to become a School Librarian. Graduates of educational media and technology programs have learned ways to incorporate new technologies, such as video and the Internet, into their classrooms.

    http://www.topeducationdegrees.com/becoming-an-educator-choosing-the-right-degree-program-for-you

    Article Source:
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    How Should You Go About Writing a Good Code in PHP Programming?

    Saturday, January 21st, 2012

    PHP application development is quite in demand these days by virtue of its proven success record of generating dynamic web pages for infusing the required dose of interactivity. PHP also enables applications to run smoothly thereby giving the end users a delightful web experience.

    A PHP developer has a crucial role in custom PHP programming. Hence, a lot of focus must be placed on writing code. A good PHP code is one that is well structured, robust, safe and consistent. A voluminous code can be conveniently broken into a number of functions, and a simple code thus generated can accomplish different sub-tasks. Also, a clear-cut distinction must be made between the front-end JavaScript/HTML code and the server side logic.

    A good PHP code must be safe, which is absolutely in the control of a developer. A developer must have a thorough knowledge of XSS, CSRF and other potential security holes. Also, consistency matters a lot. A good PHP code ought to be consistent i.e., the names of variables and functions must be decided according to a specific set of rules, resorting to typical approach for solving complexities and error handling. You must also ensure that your code must be framed consistently so that it becomes easy to read.

    In PHP programming, the code must be portable. A weak code can be easily fragmented when certain features of PHP are switched on/off. A good PHP code adepts to the environment accordingly. It’s also important that you comment your PHP code with a standard approach as it makes the code more readable, which motivates PHP developers to consider the aspects, which might otherwise get ignored. Also, this permits document generators to generate easily comprehensible documentation. In addition, it facilitates interpretation of variables and offers enhanced debugging and code finishing.

    While making use of control structures in code writing, you must think about alternative syntax since characters like closing brackets make the code confusing to read. PHP short tags must be avoided since these tags are sometimes switched off on some host servers. In case, you decide to switch your website, there exists possibility of your PHP opening tags getting replaced. Also avoiding PHP short tags gets you away from the confusion that you may have with the XML declaration. Further, the forthcoming PHP versions are not likely to support these PHP short tags.

    Get started with writing a good PHP code today!

    Adam George is a well known writer. He has written many articles on various topics including outsourcing, Presently writing on Software services, Offshore Software Development, PHP Development, PHP Application Development and other Software testing services.

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    Health Insurance Help to Lower Your Premium

    Friday, January 20th, 2012

    Illness for non-work related injuries can be financially devastating. Insurance keeps you protected against disastrous health care expenses and lost wages. There are enormous health insurance plans available day-to-day, the insurance cost and its benefits vary from one plans to another. Before enrolling for a policy, an individual should consult with the insurance agencies, read the policy to get the complete information about the benefits and costs and also the way the plan works.

    Today, there are many more kinds of health insurance to choose from than were available just a few years ago. Traditional differences between and among plans do not longer any more. Also, there is been an increased emphasis on the role of consumers in managing their own health care and health care finances. There is a focus on providing information on the cost of care and health care quality-at the level of the physician, physician group, and hospital-to help consumers and employers choose among the many options available to them. The things have changed a lot, when most people in the United States had health insurance has indemnity insurance (also called as fee-for-service or traditional insurance). This type of insurance coverage assumed that the medical provider i.e. doctor or physicians will be paid a fee for each service provided to the patient.

    When we talk about health insurance, we usually mean the kind of insurance that pays medical bills, hospital bills, and typically, prescription drug costs. Nowadays, the insurance also covers Medicare and Mediaid that provides health insurance coverage for certain people, senior citizens, people with disabilities and also an individual and families with low income. Today, the online information helps an individual to compare two best insurance policies and choose best among it. The insurance help an individual for financial planning and accordingly choose the best suitable for the family. The policy helps to avoid the burden of expensive medical bills and ensure the penny paid in health plan is paid for your care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive.

    In spite of available health insurance help online, unfortunately many Americans are still uninsured or underinsured. Some may be eligible for private or government but may have difficulty in finding the maze of complex rules and insurance jargons. Many more may not even have chosen the plans due to non-affordability coverage or may not be eligible for any. To help you choose right plan, we give you an overview of programs and strategies for seeking free or reduced-cost health care and managing medical debts.

    Why does an individual require health insurance?

    As the science and medical care advances, the ways of treatment are also increasing simultaneously. The main purpose of health insurance is to help in paying for care. It protects you and your family members in an unexpected serious illness and injury that may be high in cost. Additionally, you are more likely to get regular and routine checkups, if you have an insurance policy. Every individual requires insurance policy because you cannot predict your illness, injury and your high paying medical bills. One must seriously consider the need for health insurance for own and family. We also know that there is interlinking between having health insurance and getting protective health care. The research states that people having health insurance are more likely to have a regular doctor and get care when it is needed.

    How should one get health insurance?

    Most of the people get health insurance through their employers or company which they belong to. This is formerly known as group insurance. Some individuals don’t have access to group insurance. In this case, one may choose to purchase their own individual health insurance directly from public or privately owned insurance company. Most of the Americans in North America get health insurance through government programs that operate at National, State & Local Levels. Insurance- whether provided by your employer or purchased by you – can be both expensive and complex. To understand better option, you must take health insurance help from the experts and advisors.

    Group Insurance:

    Group Insurance is basically offered by the employers or else by an organization of which you are a member of union, professional association wherein you may get group coverage. The employee has to choose between several plans been offered by an employer’s including both indemnity insurance and managed care. Some employer may only offer one single plan. Some group plans may also include dental care with the health and medical benefits. Hence, it is a very important decision to be taken by and employee before choosing any insurance benefits offered by employer or an organization. It is also essential to compare plans to find the one that offers the benefits as per your need. Once you choose an insurance plan, you usually cannot switch over to another plan until next open season, usually set once a year.

    In group health insurance, employer usually pays portion or all of the premiums. This means your costs for health insurance premiums will be lower than they would be if you paid the entire premium alone.

    If you are a member of group insurance offered by an organization, you are benefited from being a member of a large group. You will have to pay lesser premium than an individual would be paying. However, the organization often does not pay a share of premium, meaning you are responsible to pay complete premium by yourself.

    Individual Insurance:

    In an individual Insurance, you get the coverage directly from the Insurance Company. You don’t have any access to the group insurance offered by an employer or an organization. When you buy you own insurance, you have to pay entire premium rather than sharing with an employer according to Group Insurance. In individual insurance, you do not share any cost of premium with your employer. You should analyze and choose an individual insurance plan that fits your needs at a price that you are willing to pay; you should also consult a tax advisor to find out whether you are eligible for any tax deduction as per the insurance plan.

    Insurance variably differs from one company to another within an insurance industry, from one plan to another and one product to another. Hence, choosing right company, right product, right plan are the important criteria before choosing any plans.

    Which type of health insurance is right for you?

    Whether you choose group insurance or an individual insurance plan, you must carefully compare coverage and costs. You should compare the following important aspects like coverage and benefits, premiums, exclusions and limitations, access to hospitals, doctors, and other providers etc…

    One must consider what kinds of services are covered by the plan? How are benefits being availed of health insurance plan; do you have to submit a claim? When do you need pre-approval to ensure coverage for care? What steps do you need to get the care of you and your family members need? You must ensure how does your insurance plan works. Don’t wait until you need emergency care to ask questions.

    I am an author having an experience of 28 years in Insurance Industry having done the in-depth study of Insurance. Considering some knowledge, I hereby have shared some information and views about insurance, also some facts, figures and recommendation which enables an individual to choose right insurance policy from right person.

    Article Source:
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    Switching Careers – 7 Key Steps

    Thursday, January 19th, 2012

    Are you thinking about switching careers? If you are, you’re not alone. Most Americans switch careers three times in their lifetime. Nevertheless, switching careers is scary. And it’s especially paralyzing the older you get. But making a career switch is very possible and much more common than you might think. Before you’re ready to leap, realize that it’s a heavyweight decision that deserves some time and solid thought. Here are seven steps to help you on your way.

    1. Gain insight from your current situation.

    When considering a career switch, the first thing you should do is learn from your current situation. To do this, take a step back and study what you do for a living today and why you do it. Examine the reasons that you are in your current job or career. Was it what you went to school for? Was it what your parents wanted you to do? Was it the “hot career” at one time? Did you just “fall into it”? Did you love it at one time? Did you do it for the money you could make? Was it just to pay the bills? The answers to these questions can provide valuable insight into the core reasons that you want or need to change.

    Now examine why you want to leave your current career field. Remove any company or management related politics that are specific to your current employer from the picture. See your situation for what it is and ask yourself why you are looking to switch. Are you being forced out because of market shifts of business trends? Are you burnt out? Do you want to make more money? Are you miserable doing what you do? Have you tried your best but found that your career is “just not a good fit”? Have you decided its time to pursue a long lost career love?

    Inspecting your current situation and reasons for your desire to change careers will provide a foundation for your next step.

    2. Look inside

    Whether you already have a career in mind or you are searching for a new career, you must look inward. In order to gain the most from your reflection, it is essential to start with a clean slate. Set aside any notions (real or imagined) about what type of money certain careers offer. Discard any stereotypes or judgments of occupations. Distance yourself from any pre-conceived ideas about what you are right or destined for.

    Now seriously examine what you truly love. First start with the obvious. Look at your hobbies and interests. List out the things you are passionate about or in which you have talent. Give yourself credit for things you are good at and don’t be afraid to write things down that you love, but are not yet good at. Write them all down, even if you think they may not be a possible career path. You’re just brainstorming at this point and you should not eliminate anything right out of the gate. And it’s important to bear in mind that what you may think are your interests are not necessarily all of your interests. To help you get a good look at your interests, observe the simple things. What kinds of news stories perk your interest? What kinds of TV shows do you enjoy? What kinds of books magazines do you find yourself drawn to? What kind of people do you like to associate with or find interesting? What parts of your current career have brought you the most satisfaction?

    Next, remind yourself of what you wanted to be when you grew up. Is it something you still want to be? Do you still get stars in your eyes when you think about it? This may give you some real clues. And of course, depending on what you wanted to be, that young dream may be out of reach. Or…is it? Think about it. If your ideal career aspiration at the age of 10 was to be an astronaut and you are now over the age limit or are not physically able to, you can rule it out. But what about other careers associated with astronauts or astronomy? There is a wide array of careers that touch upon astronomy from teaching, to marketing telescopes, to writing for a science magazine, to building models or sets for movies to working at a museum on a space exhibit! When you look at your passion and then use a little imagination, the sky (or should I say space) becomes the limit.

    Lastly, look at what type of person you are. Be honest with yourself. Do you enjoy working with your hands? Do you enjoy working alone? Do you enjoy a social work setting? Do you enjoy being part of a team? Do you enjoy working at night? These are all examples of questions that will lead you down the path to discovering and evaluating whether a given career path is right for you.

    As you are going through the exercise of looking inside, it is important to avoid cluttering your mind or list with any “buts”. If your answer to the question “do you enjoy working with your hands” was “yes”, leave it at “yes”. Don’t append any knee jerk reactions to your answers such as “yes, but I am clumsy” or “yes, but those jobs don’t pay as much”. Leave your mind open and you will be pleasantly surprised at how easily any natural human discouragement subsides.

    3. Explore what’s out there

    Now that you’re armed with a list of personal interests and talents, sit on them for a few days and let them cook. Let yourself get used to your newfound list. You may find yourself adding a few more during this time or even crossing a few out.

    Begin your next step by opening your eyes to what’s out there (not what you perceive to be out there, but rather what is out there). Pick up your local community college catalog and flip through both credit and continuing education courses. Look online for education or career programs. Make a list of the careers of your friends and family. On your next ride to work or to the store, turn off the radio, look around and take notice of the buildings and businesses around you. Look at the people you see outside and start piecing together what their days are like.

    The object of this exercise is to compare what is out there, with what interests you. Let’s stick with the astronomy example. You’re interested in astronomy. So what? Well…now you’ve begun looking through the local community college catalog and there, you see a continuing education course on astronomy. You’ve now found something concrete, a class that you can take that will allow you to pursue your interest. But what is a continuing education course going to get you? A couple of things. One, you will meet other people who share your interest. These people bring information to the table. They may know of groups or clubs that you can join. Or perhaps, they may have friends or relatives who are looking for someone to do research work or work part-time in their science store. Two, you will be able to further your interest…or be able to rule it out as a career path. You may learn that you really love astronomy and would like to pursue it further. On the other hand, you may learn that it really isn’t what you thought it was and you really don’t care enough about it to pursue it as a career. Any way you slice it, you will learn something about yourself and at the very least will have met others who share your interest.

    Let’s try another example. Perhaps, on your way to work, you start to notice a road construction worker. The first day you see him, you’re in a suit, he’s in jeans and he’s joking with a coworker as he shovels asphalt under a sunny sky. You think to yourself, “Boy it’d be nice to get out of this suit, work outside…break a sweat for once! Maybe I’d like to do that…” The next day you see him and you watch as a driver leans out his window and curses at him. “Hmmm”, you think. The third day you see him, it’s raining and cold and he’s out braving the elements while you’re dry and warm inside your car. “Cross that one off the list”, you think. If you had only noticed the man on the first day, you’d only have seen him on a good day. If you had only noticed him on the last day, you’d have seen him at the worst. Either way, without really opening your eyes full time, you may have a fragmented impression on what it means to be this or that. The point here is not to look for distinctly negative or positive things about a given occupation, but to begin to see it as a whole. With this type of information, you will be able to form an opinion on whether a given occupation could be a possibility for you.

    In addition to concrete and mindful exploration, talking to your friends and family is an invaluable type of investigation. When you start bringing up your interests or ideas for possible career paths in conversations or e-mails, you will no doubt hear a lot of “Oh! Susan’s son teaches astronomy at the university, he’s writing a book on the Hubble telescope this year.” or “Oh John does construction on the side, he loves it!” By talking to other people, you may make connections or gain insight into the experiences and opinions of people connected with your interest areas. It will also trigger some more ideas for you. Perhaps it never occurred to you to pair a love of writing with a love of astronomy until you talked with your cousin.

    4. Do your homework

    So, you’ve looked inside. You’ve come up with several interests and you’ve taken steps to explore what’s out there. By this time, you’ve come up with a few things you might like to do or have found one you’ve decided you want to pursue. Now it’s time to get to work. It’s time to delve into what it really means to have a job in a particular career field. To accomplish this part of your journey, you need to do serious research.

    Your research homework consists of concrete exploration of available paths for your career options. For the majority of careers, you will need to embark on some type of structured educational path. Examples of this are things like sponsored career programs, college degrees, certification programs, professional designations, internships or apprenticeships. Even if your chosen career path does not require ordered training or education, you will no doubt have to “put in your time” and you will need to find out what and how much time you will realistically be expected to “put in”.

    So how do you find out? Let’s say you’ve decided you want to seriously explore being a pharmacist. Wonderful! How do you get to be a pharmacist? For starters, inquire with your friends and family to see if anyone knows a pharmacist that you can speak with. Talk to your neighborhood pharmacist, find out where she went to school and ask her about any professional designations she holds or ongoing education she may be taking. If you’re brave, ask her what kind of salary pharmacists can expect to earn. In addition, pick up that college course catalog again and inspect the pharmacology program. Look at the prerequisites and notice how long the program will take to complete and how much the courses cost. Read the course descriptions. Do they peak your interest or do they make you want to throw the book down? A great supplement to all of your research is the internet. There are plenty of newsgroup, blog, forum and professional association sites out there. Any of these can give you a solid peak into what it means and takes to be a given occupation.

    For each career path you are interested in, you will want to know the following:

    • What are the education requirements?
    • Does it require any job certification?
    • Is there an apprenticeship required?
    • Does it require travel?
    • How much money can you make?
    • Where are the regions of the country that people in this career field are more successful? more in supply? more in demand? make more money?
    • Will it require you to relocate?
    • Will it require regular, ongoing education?
    • Will it require you to have your own business or work for another company?
    • Are there yearly fees? (e.g. license renewal, union dues, association membership, equipment, etc.)
    • How many hours will you normally work in a week?
    • Are there any age requirements or cut-offs?
    • How much will it cost you to become gainfully employed in the field?
    • How long will it take you to become gainfully employed in the field?

    The answers to these questions will help you narrow your career choices further and may even get a fire burning under your feet.

    5. Take financial stock

    Okay. You’ve done it! You’ve come up with one or more career paths that you’d like to embark on. You have looked into what it means to be employed in the career field(s) and you are now powerfully armed with the knowledge of what it takes to get you where you want to go! But like everything in life, it’s going to cost you. You now need to list out all the costs, add them up and compare them with what you will be able to swing. There’s no doubt you will be able to accomplish your goals, no matter what your financial situation. It may take you longer than you like or may come at the expense of some other items or conveniences in your life, but you can do it if you set your mind to it and approach it methodically. This may mean you have to call upon your research skills again and explore financial options such as grants, scholarships, payment plans, or 401K or private institution education loans. You even may be able to pay for education or experience by doing an internship or by performing work using a skill that you currently have in exchange for training or experience.

    When you are taking financial stock, allow yourself breathing room. Perhaps your goals are not financially feasible at this moment in time. Perhaps you just had a baby, your youngest son needs braces, or you’ve just paid an absorbent amount of money to repair your car. It’s okay. Rejoice in the fact that you’ve come this far. You can put a plan together and start saving or start applying for aid or other means of financing. There may even be things you can start to do that will be free or cheap, such as volunteering in the field or reading books to prepare you for your studies. Most people don’t have the luxury of quitting their jobs while they switch careers, so most likely you will be living a “double life” while you prepare for the switch. Whatever you do, don’t break the bank, because you’ll inevitably find yourself right back where you started.

    6. Check your calendar

    Great! You’ve got it all under control. You know where you’re going, how you’re going to get there and how you’re going to pay for it. But can you afford the time? Do you have enough free time or flexibility to meet the educational requirements? Are you young enough or old enough to fall within any professional age requirements? If you have the time and the age, skip this step. If not, the last step of your journey is to shuffle your calendar!

    Shuffling your calendar may be easy. You may know right away what to eliminate or move in order to make room for your new career path. Conversely, finding the time might be downright complicated. Maybe you have small children, maybe you have an ailing parent, maybe you have church or community commitments…any of these things would make working towards a new career an uphill battle. Here again, it may mean that you have to post-pone your journey for a little while. Or, it could mean that you have to settle for beginning your education informally by reading books or taking online courses when you can. Whatever your challenge, don’t lose hope! Faith in yourself and perseverance will get you where you want to go.

    7. Take the plunge

    You’ve arrived at the last step. It’s time to jump in! Time to register for that first class, accept that internship, or apply for that entry level or part-time job in your chosen field. Whatever you’ve found to be the first step towards your new career, delight in the fact that you’ve come a long way and you’re doing it! You’ve done a lot of hard, thorough work and you have a lot to be proud of. Start down that path with your chin up and your shoulders back!

    Food for your trip

    You can’t take this trip without packing! If you leave home with one thing, leave home with the comforting knowledge that your approach to a new career is circular. This means that you can always go back to the beginning of the circle or to any point within the circle. If you’ve started a class or program and found that you hate it. So what? You’ve learned to cross it off you list and go back and take another look. Even if you get all the way to end of the path and decide it is not for you, take comfort that you did your best and its time to go back to another number in the circle. There is no shame in that.

    So go on now…get out of here! Your train is leaving and you better be on it! Just don’t forget to take some pictures along the way, stop and smell the flowers, buy a few souvenirs and by all means, don’t forget where you came from!

    Alotta Candor is a staff writer and commentator for JobSchmob.com, the “lighter” side of the working world. She is proud to be a liberated ex-corporate office worker.

    http://www.JobSchmob.com

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    21 Steps To Home Business Success

    Wednesday, January 18th, 2012

    Fifty million home-based businesses will be in operation by 1997, according to Link Resource’s National Work-at Home Survey. All around the country, people who want more control over their lives are starting home businesses In New Orleans, Rick Hart’s home based cajun Cargo ships seafood nation wide. In Palatine, Illinois, Stephaine Heavey works from home designing and selling original patterns for fabric dolls. And in Dallas, Lisa McElya published the Dallas Party & Event Planners Guidebook from the entire first floor of her two-story home. These three people are living the new American dream of owning a business, but avoiding the high overhead and start-up costs of a commercial location. If the idea of working from home is appealing, but you don’t know where to begin, here is a step-by-step guide. STEP #1 DECIDE WHAT PART OF THE HOUSE TO USE Select an area away from family activity. The perfect space is a separate room (or perhaps the garage), but any area will do, if it can hold all the business supplies and equipment, and also provide enough work space for desks, tables, or counters. STEP #2 DETERMINE HOW MUCH TIME YOU CAN SPEND ON THE BUSINESS Many people start a home business on a part-time basis while raising children or working outside the home. Others start full-time when family and finances allow. However you begin, figure out how may hours per week you can devote to the business Make a weekly chart of your activities, examine it, and determine where the business fits. Don’t assume you have time and find out later you don’t. STEP #3 DECIDE ON THE TYPE OF BUSINESS Make a list of things you like to do, your work and volunteer experience, and items you own that can be used in a business. Look over this line-up, and using ideas from it, list possible businesses to start. Eliminate any business that isn’t appealing or doesn’t fill a need people have. For ideas on different types of businesses, consult the end of this article. Other ideas can be found in the source material listed at the end of this article. STEP #4 CHOOSE A LEGAL FORM The three basic legal forms are sole proprietorship, partnership, and corporation. The most common is the sole proprietorship. As its name implies, a sole proprietorship is owned by one individual. It is the oldest form of business, the easiest to start, and the least complicated to dissolve. Here are some of the advantages of this business form: 1. You own all the profits

    2. Your business is easy and cheap to organize. You don’t need any government approval, although you may be required to carry a city, state or county license. Your only other obligation is to notify the Internal revenue Service (IRS) for the purposes of sales tax.

    3. You’re the boss

    4. You enjoy certain tax savings. You must pay regular individual taxes on your income, property, and payroll, but these are not levied as special taxes, as with a corporation. You will also have to pay sales tax which you have received from your customers.

    5. Greater personal incentive and satisfaction. Since you have your investment to lose if your business is not successful, you should be more willing to put time, thought, and energy into the business. And when your business is successful, you enjoy maximum sense of accomplishment since you know its success was dependent upon your decisions about your management ability alone. For more information about this and other forms of business, send for the U.S. Small Business Administration (SBA) Publication MP25. Selecting the Legal Structure for Your BUsiness (50 cents). It outlines the advantages and disadvantages of each legal type of structure. If after reading it you are still uncertain what form of the business should take, consult an attorney. STEP #5 DETERMINE WHERE THE MONEY WILL COME FROM There are three ways to finance start-up costs: use your own money, obtain a loan, or find investors. If possible, it is better to start small, use your savings, and not worry about repaying a debt. also keep in mind that since you are a home-based, chances of qualifying for a loan or finding investors are slim until the success of your idea is proven. STEP #6 GATHER INFORMATION Spend a few weeks researching home-based businesses. A library or bookstore can provide numerous books on business basics, and on the specific type of business that interest you. Homemade Money by Barbara Brabee (see sources) is an excellent book to start with. If you are considering a computer business, get in touch with the association of Electronics; Cottagers, P.O. Box 1738, Davis, CA 95617-1738. To keep informed of what is happening in home business world, contact National Home Business report, P.O. Box 2137, Naperville, IL 60566, for subscription information; and Mothers Home Business Network, P.O. Box 423, East Meadow, NY 11554 (send SASE for free information). STEP #7 CHECK ON ZONING RESTRICTIONS Find out how your property is zoned, the call City Hall and ask what regulations apply to home businesses in that zone. Also, if you rent or live in a condominium, check the lease or homeowner’s association rules to be certain a home business is allowed. Generally, if you do not annoy your neighbors with excess noise, odors, and traffic, you will not be deterred from running a business at home. The neighbors may not even be aware of the business, but it is necessary to know exactly what you can and can’t do before you start. This is important should any problems or questions arise later. STEP #8 PICK A BUSINESS NAME AND REGISTER IT If the business you choose is different form your name, file an assumed (or fictitious) name certificate with the county. You are notified if another business already has that name, so you can select a new one. Do this before investing in expensive stationery and brochures. It costs only a few dollars to file, and it protects the business name from being used by someone else in the county. STEP #9 WRITE A BUSINESS PLAN A good business plan clarifies your ideas and establishes a plan of action. A good business plan should include a description of what you are selling, your background and qualifications, who the prospective customers are and where they can be found, what is needed to build the business, how you plan to promote, and how much money is need for start-up costs. SBA Publication #M925, The Business Plan for Home-Based Business ($1) is helpful. STEP #10 GET AN IDENTIFYING NUMBER If you are the sole proprietor of the business and have no employees, you may either use your Social Security number or an Employee Identification Number (EIN) as the business number on official forms. If you have employees, or the business is set up as a partnership or corporation, you must obtain an EIN. To do this, complete IRS Form SS-4 (Application for Employer Identification Number) and file it with the nearest IRS Center. STEP #11 OBTAIN A SALES TAX PERMIT If the product or service you sell is taxable, you need a state sales tax permit. Call the local tax agency, explain the type of business you have and what you sell, and ask if you need to collect sales tax. If you do, they will send you the necessary information and forms to complete. You also use this tax number when your purchase items for resale. STEP #12 OBTAIN LICENSES & PERMITS It’s very important not to overlook any necessary license or permit. For example, some cities and counties require a general business license, and most have special laws regarding the preparation and sale of food. Call City Hall to find out what is need for your particular business. In addition, Chamber of Commerce provide information on city, county and state licenses and permits. STEP #13 SELECT BUSINESS CARDS, STATIONERY, BROCHURES Spend time on the color, design and paper for these items. They make a definite impression-good or bad- on the people who receive them. If you are not certain what is most suitable and effective, consult a graphics designer or a creative printer whose work you like. STEP #14 OPEN A BUSINESS CHECKING ACCOUNT Call several banks to find out what services they offer, and what minimum balance, if any, must be maintained to avoid paying a service charge. Also ask about credit card if you plan to offer this convenience to your customers. Bank fees can be significant, so shop around for the best deal. If your personal checking account is with a credit union, see if it can also provide a separate business account. when you open your account, you may need to show the assumed name certificate and business license. Finally, investigate obtaining a credit card in the business’s name. If this is not possible, set aside a personal credit card to use for business expenses. STEP #15 SET UP RECORD-KEEPING SYSTEMS Put together a simple and effective bookkeeping system with an 8 1/2 x 11″ three-ring binder, columnar pad sheets and twelve pocket dividers from the office supply store. For each month, set up columnar sheets for income and expenses. Use a pocket divider for each month’s receipts, bank statement, deposit tickets, and canceled checks. In addition, an automobile log for business mileage, and filing system for correspondence, invoices, supplier catalogs, client records, etc. are two other useful tools. For more information on record-keeping, see IRS publication #583, Information for Business taxpayers. STEP #16 CHECK IRS REQUIREMENTS If you comply with basic IRS guidelines, you can deduct a percentage of normal household expenses (mortgage, interest, taxes, insurance, utilities, repairs, etc.) as a business expense. see the box accompanying this article and, for more detailed information, IRS publication #587, Business Use of the Home. Also become familiar with these IRS forms: Schedule SE (compensation of Social Security Self-Employment Tax) and Schedule 1040 ES (estimated Tax for Individuals). Depending on circumstances, you may have to file them. STEP #17 OUTFIT THE BUSINESS Make a list of everything needed to start the business, but before you buy anything, look around the house for things you already own that are usable. When you are ready to start purchasing, check the classified ads and garage sales. Both are good, inexpensive sources for office furniture, typewriters, computers, answering machines, etc. But only what is absolutely necessary for start-up, and wait until the business is off the ground to get the extras. STEP #18 DECIDE ON TELEPHONE REQUIREMENTS Call the telephone company to find out the cost of a business phone in your area. If you cannot afford a separate business line, investigate the telephone company’s regulations on using your personal phone in a business. It may be possible to do this if you follow certain guidelines. Keep a record of long distance business calls as they are a deductible expense. Finally, consider the benefits of an answering machine to catch calls when you are out. STEP #19 CHECK OUT THE POST OFFICE & UPS Using a post office box as the business address down plays the fact you are home-based. It also prevents customers from dropping in at all hours. While looking into box rental, ask for information on the various postal rates, particularly bulk rate, if you plan to do large or specialized mailings. If you mail many packages, check out United Parcel Service (UPS), as it is less expensive than the Post Office. STEP #20 PURCHASE THE NECESSARY INSURANCE Check with your homeowners insurance agent about a rider for your existing policy or the need for a separate business policy. Also make sure you have adequate personal and product liability coverage. Shop around, as each company has different rules regarding home businesses To save money on medical insurance, join an association and participate in their group plan. One such body is The National association for the Self-Employed: they can be reached at 800-527-5504. STEP #21 ORGANIZE THE HOUSE & YOURSELF To have more time for business, organize and simplify household routines. Start by holding a garage sale to get rid of unnecessary possessions. Next, have a family conference and divide household duties, making sure each person does his or her part. The, set up a planning notebook to keep track of appointments, things to do, calls to make, errands to run, shopping, etc. Finally, set up a work schedule so you won’t get sidetracked by TV, neighbor’s visits, snacking, and telephone calls. Creating and operating a home business is a wonderful and rewarding challenge. The satisfaction is not only in the money earned, but in doing what makes you happy.

    ———————————————————
    Julia Tang publishes Smart Online Business Tips, a fresh
    and informative newsletter dedicated to supporting people
    like you! To find out the best online business opportunities,
    and to discover hundreds more proven and practical internet
    marketing secrets, plus FREE internet marketing products
    worth over $200, visit: http://www.best-internet-businesses.com
    ———————————————————-

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    How to Build a Resume – The Biggest List of 37 FAQs About Award-Winning Resumes

    Saturday, January 14th, 2012

    1. What is A Resume?

    A resume is a presentation of your qualifications for employer. It lets your employer know what type of job you are seeking and highlights your education, experience, skills and other relevant information. A resume (or CV – Curriculum Vitae) only may be the tips to potential employer for determination whether or not you will be interviewed.

    2. Does a resume always need to be only one page?

    Resume (CV) length should not exceed 2 sides of A4. How much of those two sides you fill depends on how much you have done.

    3. Should the education section always be near the top?

    If you have recently completed formal education your academic achievements will form a major part of your qualifications, and it is recommended to place these near the top of your resume.

    4. Is an objective always necessary?

    No, it is not crucial. But however an employer will be impressed if you have a focused idea of where you want your career to be heading.

    5. What if I haven’t done very much to fill up my resume?

    This does not matter. If build a resume is a problem – use sensible formatting and fonts so that you comfortably fill one side of A4.

    6. Do hobbies and personal interests need to be shown?

    It is not imperative but it can provide an employer with an insight into your personality.

    7. Must references be included?

    One note that ‘References available on request’ will be sufficient.

    8. What should be on my resume?

    Contact details, Date of birth and nationality, an introduction, employment history, academic qualifications, hobbies and interests are enough for resume building.

    9. What shouldn’t I put on my resume?

    Religion, references, sexuality, why you left your previous jobs, all your school grades, a photo, lies should not be included into resume.

    10. Do I have to include all of my exam results?

    No, just the most recent.

    11. In what order do I list information?

    Contact details at the top, a brief introduction, employment history, education, interests hobbies. Follow these simple instructions:

    • The heading is first.
    • The objective is second.
    • All other headings are listed as they relate to your job objective. Build a resume that highlight your objective and enhances you as a candidate for the job you are seeking.

    12. What sort of paper should I print it on?

    The best quality that you can get your hands on, but don’t get paper that is too thick ;-) .

    13. In what text format should I save my resume so that it can be e-mailed?

    Employer unequivocally can read your resume in *.txt attachment. However this format does not allow you to include attractive formatting. The MS Word document or PDF will probably be suitable. If you want to be certain you could paste a txt version of your resume into the body of the e-mail and attach a Word or PDF version.

    14. How can I ensure that my resume will be read?

    Resumes (CVs) usually aren’t read at first. They are scanned (look at the questions #21, #22). So, how to build a resume to be easily scanned:

    • Present information in concise, compact statements.
    • Leave irrelevant, unnecessary or inappropriate information off your resume.
    • Organise your information so that the reader doesn’t have to hunt for your skills.

    15. Do I need more than one resume?

    Construct a ‘core resume (CV)’ using the ‘How to build a killer resume’ guide then configure that to the recipient each time you send it out.

    16. How far back should I go with the information I put on my resume?

    Ten years is usually required. However, there are certain situations in which experience from more than ten years ago may be advantageous to show on your resume.

    17. What are some common components of a resume?

    They are:

    • Identification: Your name, address, and home and/or message phone number with area code, and e-mail address should be placed at the top of the resume.
    • Objective: Describe your career or professional objective. Be specific and include what you want to do for the employer – not what you want the employer to do for you.
    • Summary: Used by the candidate with experience; briefly state your achievements, the range of your experience and the environment(s) in which you have worked.
    • Employment: Describe your job history in reverse chronological order – most History recent first.
    • Education: Build your resume with list of educational experience, most recent first.
    • Skills: Include into your resume (Curriculum Vitae, CV) foreign language fluency, knowledge of computers including specific hardware, software, operating systems and anything else that may be relevant.
    • Community: Create a resume with information about any volunteer efforts, including name of organization, dates and a brief description of your activities and experiences.
    • References: List professional references on a separate page. You may want to state that references are “available upon request” (you can see question #7).

    18. How long is the standard resume?

    See question #2. The general tips of resume building are to use enough space to provide all info and to write only relevant information about yourself.

    19. What resume style is preferred by employers?

    There are three resume building styles: Chronological, Functional, and Combination. Chronological resumes present your work history and experience most recent first. Functional resumes focus on the skills and abilities that have been acquired and can be applied to new career opportunities. Combination resumes combine elements of both the chronological and functional formats.

    20. Are All Resumes Alike?

    I wrote above there are three basic types of resumes. The format you select should be the one you believe will best allow you to target your education, experience, and skills towards your career objectives.

    21. What is a Scannable Resume?

    A scannable resume is one that may be “read” by a computer equipped with Optical Character Recognition (OCR) hardware and software. They scans your resume and puts data into a database. The software then creates a summary of your resume and ranks it among other qualified candidates for the position. This process, sometimes called electronic applicant tracking, is gathering popularity among medium- to large-sized companies as an initial employment screening device.

    22. Why are the Employers Using Scannable Resumes?

    Scannable resumes have advantages for employers:

    • Employers can simply search through their database and identify names with the specific experience, skills, and qualifications.
    • Human Resource departments can be much smaller because this technology speeds up the entire hiring process.

    23. What is an Online Resume?

    An online resume is a plain text document (*.txt) which can be cut-and-pasted into online forms. It can be used by resume builder because ASCII files are recognized by PC’s, Macintoshes, UNIX Workstations, and mainframe terminals.

    24. Why do I need an Online Resume?

    You can build a resume in online version and to send it to companies who are soliciting resumes via e-mail. Frequently the companies who are calling for resumes want them in the form of a plain text document sent in the body of an e-mail message – NOT PDF, NOT MS WORD.

    25. Can’t I just send my resume as an email attachment?

    Sending any attachments through email can be tricky, and the last thing you want to do is make a potential employer work to read your resume. There are many types of computer systems, increasing the risk that the program that you create your resume in will not be compatible to the computer of the receiver, making it impossible for them to open up the attachment. The online resume solves that problem as you import it directly into the text body of the email message. Its simple, plain text look is easy for employers to read through email.

    26. What is a Functional Resume?

    The Functional Resume is a resume in which the resume builder organized information by skill sets. These resumes design focus on individuals whose education and experiences do not obviously match their career objective.

    27. Who Should Use a Functional Resume?

    Functional Resumes can be used for people who have a History or Psychology degree. In these cases it may be easier for the student to highlight their Communication, Computer Skills, Leadership, Research, Administration, and Management. A functional resume allows such people to feature their volunteer and other non-paid experiences. It also includes individuals who have multi-track job histories, or work history gaps.

    28. What are the Benefits of Using a Functional Resume?

    Functional Resumes are beneficial in these ways:

    • Utilizes volunteer, unpaid and non-work experiences.
    • Demonstrates precisely the skills that the employer wants.
    • Eliminates work history that does not support your current objective.
    • Directs the emloyer to what you want them to notice.

    29. What is a reference?

    A reference is someone who knows you well and can builds talk about your job related qualifications with a potential employer. Many employers will want a list of your references, including addresses and phone numbers.

    30. How many references do I need?

    You will need at least three to five references as a recent college graduate. It is also a good idea to tailor your references to the job for which you are applying.

    31. Who do I ask to be my reference?

    Someone who knows you well through a job, class or organization. Find someone who can make a positive statement about your skills, work habits, and other qualifications. There are three main kinds of references:

    • Professional References are the best help, it can provide the potential employer with specific work habits and abilities.
    • Academic References can also assist you in finding a job in your chosen field, for example a professor in your major can attest to your knowledge base and study habits.
    • Personal References are usually not recommended unless the potential employer specifically asks for them. Generally, personal references get the least amount of attention from employers.

    32. What Is A Cover Letter?

    A cover letter is an accompanying letter that serves as the introduction to your resume. No resume should be sent without one. The cover letter is created separately and individually for each position for which you express an interest.

    33. What Is The Purpose Of The Cover Letter?

    The purpose of the cover letter is to introduce yourself to an organization, demonstrate your interest in the company or a specific vacancy, draw attention to your resume and motivate the reader to interview you. A cover letter tells a potential employer that you are available, qualified, and interested in employment. Cover letters personalize your resume by briefly highlighting your strengths as they relate to the position sought.

    34. How Should Cover Letters Be Organized?

    The cover letter typically consists of three parts: Introduction, Body, and Closing. Within these three parts you must get the following three points across:

    • Why you are specifically interested in the organization?
    • Why they should be particularly interested in you?
    • When and how you will contact them to follow up on your letter and schedule an appointment.

    35. Should cover letters be personalized to match each job opportunity?

    Yes, certainly! The cover letter is your chance to personalize the resume to highlight your strengths as they relate to the needs of an employer. Often this means simply changing the address, salutation and opening paragraph to specify the employer. The manual of resume building recommends to personalize the cover letter in any manner that you can because such cover letters assist in grabbing the attention of an employer.

    36. Should a cover letter always be included with a resume or application?

    YES, Of course! Cover letters clarify what are you seeking and highlight your strengths to an employer’s needs.

    37. Where Can I Learn More About Resume Writing?

    Available steps are:

    • Look at the sample resume handouts, and the many resume-related resources in the Career Discovery Center.
    • Request Career Services to present a Resume Writing Workshop to your club or organization.
    • Schedule a Resume Review with a Career Associate.
    • Make an appointment to discuss your resume with a member of the Career Services staff.
    • Look for additional FAQ pages, including Action Verbs to Enhance Your Resume.

    Oleg Savchenko is the author of the eBook “Expert Resume Writing” and the site “How to create a CV” [http://how-to-write-a-cv.net/]. He is expert in the resume building – all of his experience in the theory and practice of building a resume allow him to receive more favorable position in the more famous company each time at job changing. His last job position is management in the one of the largest worldwide advertising agencies. If you are worried about the resume writing, sign up for our email course “How to Build a Resume” [http://how-to-write-a-cv.net/course-10-resume-writing-trade-secrets.html] and receive 10 resume writing ‘Trade secrets’. It’s Absolutely Free!

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    An Introduction To Pet Supply Stores

    Saturday, January 14th, 2012

    Pet supply stores are getting better than ever. They are now more than just a dependable source of all basic pet needs such as pet food, pet medicines and pet accessories – they offer a whole “lifestyle” experience for your pets, as well.

    Walk-in stores. Most pet supply stores now allow you to bring your pet in the store to try out products. There’s no more need to guess. Bring your pet to make sure that the accessories fit and look good and also to see if your pet likes your selection.

    Pet spas. Now, you can get your pets groomed and cleaned right in some pet supply stores. Some stores give free dog shampoos or cat nail clipping when you their grooming products and/or reach a minimum amount of purchase.

    Value-added service. Some pet stores go the extra mile of tracking your pet’s needs so that you don’t have to. Just sign up for their free complete care packages and the store will send you pet foods and supplies on a regular schedule, before they run out. Having trouble keeping track of vaccinations and regular checkups? Let the pet supply stores do it for you. They will give you a call or send you mail when your pet needs to be taken for health checks.

    Online presence. Most pet supply stores now have Web sites from where you can shop. Say goodbye to traffic, heat or cold and long checkout lines. Just log on, order, and your pet supplies will be delivered to your doorstep. Best of all, shopping online lets you quickly check out several pet supply stores and compare prices and brands in just a few clicks. Prices of online pet supply store products are also very competitive – they are competing, so they are forced to offer the lowest price they could to get your business. Most of them even provide free shipping when you meet minimum order requirements.

    Pet Supplies provides detailed information on Pet Supplies, Pet Supply Stores, Discount Pet Supplies, Online Pet Supplies and more. Pet Supplies is affiliated with Wholesale Pet Products [http://www.i-PetProducts.com].

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    How to Find a Certified Dog Trainer

    Saturday, January 7th, 2012

    Are you in the market for a dog trainer? Do you want your dog to learn from a top notch certified dog trainer? You may have dreams of seeing your dog in professional dog competitions and shows. Therefore, you need to have your dog trained by a certified dog trainer to ensure the best results.

    Why should you hire a certified dog trainer instead of a basic dog trainer? A certified dog trainer is one that takes their dog training career seriously enough to become certified. You can feel comfortable in the fact that they have met high dog training standards and passed certification exams and tests. You don’t want a fly-by-night dog trainer, but a certified dog trainer that is in it for the long haul.

    How do you find a certified dog trainer? There are numerous dog trainers available in the market place today. Dog trainers range in age, skill level, and experience. Your neighbor might tell you that they are a dog trainer because they have read a few books on the subject and taught their dog to fetch the newspaper. This is not sufficient dog training experience.

    You should consult a variety of resources. Try asking your dog breeder, groomer, and veterinarian. They can direct you to local dog training schools that have certified dog trainers on their faculty. Various pet supply stores have dog training programs that train and certify their dog trainers. Example pet supply stores include PETCO.

    However, research what they mean by “certification”. Is the certification by PETCO standards only or by a universal certification? Find out what the requirements are for their certified dog trainers. Only then can you determine if their dog trainers will supply the skill level and experience you desire.

    You need to find a dog trainer that has had comprehensive training and can proudly demonstrate that they are a certified dog trainer. Be aware, though, that there are many “certified dog training” schools and home correspondence courses available. Not all of these schools are credible nor do they provide proper instruction. You need to find a dog trainer that has certification as described by the Certification Council for Pet Dog Trainers.

    The Certification Council for Pet Dog Trainers is a well respected organization that provides testing and certification services for dog trainers. They administer specific dog training tests in various states around the country approximately twice per year. These intensive tests root out the professional dog trainer from the average dog trainer. Check out their website at: http://www.ccpdt.org/.

    The Certification Council for Pet Dog Trainers also provides a listing of certified dog trainers. You can search through this listing to find a certified dog trainer in your area. This roster of certified dog trainers comprises certified dog trainers all over the world. The certified dog trainer list will give you their contact information including name, city, phone number, and e-mail address. Another great feature is that they list the date the dog trainer became certified. This will let you know how many years they have been in the dog training business. Peruse the list at: [http://ccpdt.org/rstr/index.html].

    Certified pet trainers do not only need to pass a certification exam and testing, they must also continue their education through workshops, conferences, and other means. When selecting a certified dog trainer ask them about the extent of their continuing education. You want a certified dog trainer that continues to hone their craft. They should actively learning about various dog training methods. This demonstrates that they are committed to providing the best dog training.

    A certified dog trainer should have at least three to five years of dog training experience. This is especially true if they charge higher fees. You can take the plunge with a newly certified dog trainer if cost is an issue. Newly certified dog trainers may charge lower rates in order to establish a list of clients and garner experience. “Master” certified dog trainers are those that have twenty to thirty years of experience. They may have great skill and in depth background experience, but may come at a higher price.

    You have the beginning knowledge regarding finding a certified dog trainer. Spend time searching resources available through your dog breeder, veterinarian, and pet supply store. Scour the book store, library, and Internet for detailed information. You can find a certified dog trainer in your area as well.

    You wouldn’t go to an unlicensed doctor would you? So why would go to a trainer that is not certified? Certified dog trainers are out there and ready to help you and your pooch learn valuable skills. They are committed to your dog, their career, and learning everything they can about becoming a top notch dog trainer. Who knows, your certified dog trainer may help your dog win the Westminster dog show. Not only would your dog be trained well and achieve glory, but the expense would be well worth it.

    Visit the dog products [http://www.dog-breeds-infosite.com] website to research dog breeds & get free tips on dog training, dog health, dog grooming & how to find dog sitters & dog walkers.

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