Basic Horse Riding Tips for Beginners

Horse riding is good fun, and a very healthy sport for all ages to take part in, but it should always be kept in mind that riding can be a dangerous activity. So with this in mind I have written these few tips on safety and horsemanship to help you enjoy your sport.

If you are new to riding then you should definitely take some lessons from a good qualified instructor first. Your instructor will teach you all the basics about horse riding and will advise you on all the relevant safety measures that you should take when around horses.

Although this is very basic information you should still follow these rules at all times. Never ever walk around behind a horse. When a horse can hear something behind it and can only barely see some movement, out of fear many horses will kick out, it should be remembered that a kick from a horse can cause serious injury and may even prove fatal!!

Next, wear a suitable riding hat or helmet, there is no fun in landing on your head when you have been thrown or fallen from a horse. Also you should wear appropriate foot ware, riding boots if possible these will help you to keep your feet in their stirrups.

Riding solo is not to be recommended, if you fell and were injured you could be in serious trouble before you were found. Even if you are an experienced rider on a calm intelligent animal and were going into the forest to ride alone you should still tell someone what route you are taking and when you expect to return.

How you handle the reins is crucial to controlling your horse and keeping good balance. Keep your hands low just above the front of the saddle this will help to keep your centre of gravity low and help you to be stable in the saddle.

Now if you have a healthy well adjusted animal to ride, within reason there are few boundaries on what you and your horse can do. Whether you wish to walk, trot, canter or gallop the only barrier is the skill of the rider.

The most important safety skill of riding is being able to stop your horse where and whenever you want. If you have maintained the correct hand position and grip on the reins while riding it should be relatively easy to stop your horse, just pulling your hands back firmly will pull the horse’s head down and bring him to a halt.

Directing a horse is also easy if they are given the proper signals. If you wish to turn to the right just pull back on the right reins and apply pressure to the horses belly with your right boot, and for turning left do exactly the same with the left reins and boot.

Age Appropriate and Attractive Ideas For Aging Gracefully

Maturity is a badge of honor to be respected with good taste. There simply comes a time when all the extra bling and fabulousness of fashion, hair and makeup is best toned down. When you were a younger Alluring, Innovative or Dramatic woman, those items of “look at me, I’m au currant” stood for something. Status, hipness, a woman in the moment who’s up on the trend. But wisdom carries with it a confidence and sophistication that allows you to do less and achieve more. A maturing face and figure carries a patina of wisdom. A statement in and of itself, it doesn’t require bright lips, over the top earrings or a crazy hip belt to bring it forward. It stands there, gently making its own beautiful statement. Less is simply more as we age. To accentuate your second act best:

o    Avoid drawing attention to your mouth with bright or dark lips.
o    Avoid drawing attention to aging eyelids with frosted shadow.
o    Avoid drawing attention to aging hands with bright nail polish and/or a multitude of attention-grabbing rings.
o    Draw the eye to your face with neckline interest and earrings.
o    When in doubt leave it out.

The Importance of Being Current 

Keeping current is undoubtedly a constant and not inexpensive challenge. With all the technology with which we are bombarded, however, we still have the old standby; the monthly magazine. Magazine subscriptions are one of the most effective ways of getting information you can absorb on your downtime. The whole experience of sitting down with and perusing a magazine that inspires is a ritual that endures. Magazines are the great equalizer. No matter where you live in the country you have the same access to fashion, fitness and beauty that the most upscale, in-the-know New York socialite has, because she gets her “W” magazine the same time you do. When “O” comes out, you’re right there with all of Oprah’s associates on the hottest, latest and most suitable fashion, food, fun and inspiration you need that month. You just go to your mailbox, Oprah is waiting for you, and it’s your turn to dream. 

What Were We Thinking?

We’ve all done it. Looked back at those embarrassing fashion photos and wondered, “What was I thinking?” I look back at my pinstriped jeans, permed hair and parachute pants and think “Hmmmm.” The more extreme trend, the more risk of later embarrassment. We may forgive the young. But it’s not so easy to forgive a second actor in a leather mini.

A woman in Act Two need never wear:

1.     A micro mini
2.     Combat boots with formal wear
3.     White hose
4.     Frosted eye shadow
5.     Chunky platforms
6.     Dark brown lipstick
7.     Butterfly barrettes
8.     Extreme low-rise jeans
9.     Visible underwear
10.   A spiral perm

What’s Age Appropriate Now?

In our Second Act it becomes difficult to find the balance between matronly and modern. Looking current and youthful should not translate into “mutton dressed as lamb.” I met a woman recently whose long, blonde, permed hair was pulled up on one side and suspended with a comb. For height she created gravity defying bangs with a curling iron and “Spritz Forte.” She wore a fitted navy knit tank, tight tapered pale denim jeans and a crocheted sparkly baby blue shawl tied around her hips. She was 48. 

I liked her and enjoyed hearing her tales of woe in raising teenagers. But as I listened I was continually distracted by her image. It just wasn’t working in her favor. The reason it didn’t work was because it was expressing only a part of this woman. I obviously knew who she had been, but as she talked, the more interesting experienced and attractive parts were hidden behind a façade of fear of aging. Yes, she was attractive and sexy but she was also a 48-year-old single mother of teenagers who had quite a bit of sun damage, an advancing derriere, tan lines across her back and thinning hair. The look did not make her look younger; it made her look vulnerable and insecure. Our image must reflect who we’ve become, not who we were. That is age appropriate. 

High Cost of Healthcare Induced By Contradictory Goals of Providers and Payers

Healthcare has been the topic of debate for most of the last few years. From the boardroom to the water cooler, costs and quality of care are hot topics that impact everyone in this country. Young and old, Americans are feeling the squeeze and most are finding it difficult to come up with solutions. In the boardrooms of corporations both large and small, employers are struggling to cope with reality of rising premiums and declining benefits. Meanwhile employees are left with the prospect of going without health insurance. Currently it is estimated that 50 to 60 million adults in this country are walking the tightrope of living without health insurance. With such widespread reach for ripples created by this healthcare debacle, everyone is looking for answers. How can we afford coverage? Can we go without? What can be done to curb the costs and get this problem under control?

In the workplace, employers and employees often feel as if they’re on opposite sides of the fence. Employers feel as if their subordinates take no consideration of how difficult it can be to turn a profit while facing spiraling costs and a difficult economic environment. While large corporations may be able to ride out the storm, small businesses rarely have this luxury (especially at a time when credit is difficult to obtain). Most small businesses would close their doors if the balance sheet goes in the red for more than a few months or quarters. On the other hand, employees often adopt a near-sighted approach. How could they expect me to afford a premium increase? Should I just try to float without insurance for a while? These questions often lead to resentment on both sides of the coin, but are the employers or employees to take the blame and the higher cost?

Looking for answers to this growing problem is not easy. Where did the system go wrong? Why is it so expensive? Who’s to blame?

Many people blame healthcare providers for the rising costs of quality care. I can assure you this is not the case. Providers are facing a myriad of challenges and roadblocks. More so than ever, running a profitable medical practice is daunting task. Like any other business, a medical practice will close if it can not cover expenses and afford to pay salaries. Labor and leasing expenses are only the tip of the iceberg. Practitioners are forced to pay for equipment, insurance, hardware, software, licensing, and more. After establishing an office with all the appropriate resources, medical practices and hospitals must then attract patients in a very competitive marketplace.

Yet with all these costs and challenges in their way, healthcare providers are not complaining about patients or labor or costs! The largest problem facing healthcare providers is the insurance reimbursement process. Contradictory goals of payers and providers are resulting in inefficient and difficult payment systems. Insurance companies are more concerned with bottom-line profits and shareholders than they are about the care their members receive. How can we expect doctors and healthcare providers to keep their offices open if they can hardly get paid for the services they perform? Individuals believe that because they pay premiums, the insurance company will pay their doctor. Unfortunately, this is hardly the case. Health insurance claim denial rates can reach as high as 25% or more. Many providers have outstanding receivables measured in the millions of dollars. The insurance reimbursement process is so arduous that many medical practices never get paid and as a result close their doors forever.

Insurance companies use a wide variety of tactics to delay payments and deny claims. Payers employ hoards of representatives charged with the task of fielding calls and scrutinizing claims. Due to these tactics, insurance claims take anywhere from 30 days to more than 1 year to reach a completed status. In most cases claims are delayed and denied due to inconsequential, irrelevant errors. These errors result solely from the many difficult and senseless hoops that are placed in the way of the provider’s billing representatives. This extremely labor intensive process of collecting from insurance companies costs providers a great deal of time and money.

The only beneficiaries of this process are the shareholders of insurance companies. The delays in payments result in interest earned for the time period in which the claim was delayed. In many cases, providers never receive reimbursement for the services they perform. These claims must be written-off as a loss by providers while insurance companies see these cases as victories leaving more cash on their balance sheets. It appears that the primary goal of insurance companies may be to deny as many claims as possible; after all they answer to shareholders not providers or individual policy holders. This gross abuse of power by insurance companies may be the biggest problem we face in the healthcare sector.

The days when doctors sat on golf courses all day while making millions per year are over. Now they must battle insurance companies tooth and nail for every claim. If insurance companies paid doctors for the services they perform, perhaps we would see a reduction in costs related to providing care.

Surely there is no easy fix to this problem. We may find the answers by addressing the goals of big insurance companies. Providing oversight and incentives for paying healthcare providers for the services they perform would be a good start. If insurance companies focus on weeding out fraud rather than just delaying and denying payments, we could see an increase in efficiency and productivity in the healthcare sector that could be the start of controlling costs while maintaining a high standard of care. For the sake of all Americans, hopefully we find an answer soon!

Top 5 Outdoor Activities For Kids

Finding safe, fun outdoor activities for kids in all weathers may be a little challenging but definitely isn’t impossible. With the right kids clothes outdoor play can be enjoyed on most days. Anyone can find something fun and exciting to do during the warmer weather but what about those wind-swept autumn days or frost-bitten winter mornings?

Actually, finding something to do in all weather is more about an attitude change than an activity change. More and more these days we feel it may be too wet to go out or too cold when actually even a short period outdoors in inclement weather can make for a lot of fun.

A New Twist On Old Favourites

Not only can the activities be entertainment but it is a perfect way to teach children to be more aware of the world around them and how seasons work to affect the plant and animal life on earth. This in turn will bring them to think with empathy on other ways of life and how to better care for their environment.

Backyard cricket – This iconic game of Australia is a summer played sport but that doesn’t mean you can’t play forms of it in other seasons. You can use it to link back to some of our heritage and even use it to explore the cultures of the other countries that play. Tippety Run is an easy form of the game where you must run between wickets anytime the ball is hit. Wickets can be anything, even plastic rubbish bins, and because it is an active game it will keep kiddies warm on cooler days. It teaches teamwork as well.

Kite Making – the best things about kites is they need a windy day to fly so autumn and spring are going to be perfect. Of course, no electrical storms for flying but a good stiff wind is perfect and means less work to get the kite off the ground. Children will find these easy to make and with some encouragement and some basic kite flying principles they will soon be doing their own designs. The tails can be long and fancy and a big kite is a wonderful group project. This is a great way to discuss how birds fly and what other things might be found airborne in the autumn and spring. Older kids can learn about the power in lightning and how it can travel to the earth.

Treasure Hunt – Depending on where you live and how safe you feel the children will be wandering around it may pay to split into teams with an older teenager or adult with no more than two younger children. Toddler and preschoolers should always have adult supervision. You may need to take a drive to find a suitable spot if you live in a city.

A rock the size of a 20c coin
The longest stick you can find
A spiky leaf
Something the shape of a love heart
This can be done in several ways and is fantastic for all age groups; you simply adjust the clues according to age group. You can also award prizes for certain categories. A sample list might be:

You can tell them not to destroy anything living to get the objects and even a few showers won’t hurt this one at all. Just get them to don the raincoats, hats and boots and get excited about going out into the rain for a little while.

Outdoor Painting – Painting outdoors is perfect if there is going to be a big downpour likely. It’s easy to do when the cement or walls are already wet. Use big paintbrushes and safe, water soluble paints. Even big pavement chalk is fantastic to run out in between showers to draw and then watch it get washed away. This is the perfect opportunity to discuss how rain is formed in the clouds and what happens when it rains. Kids can watch the clouds moving fast in a stormy sky and make up stories about them and then try to paint those stories. Imaginations will run wild.

Sprinkler Play – Once before we could turn on the sprinkler on a hot day and play until our heart’s content. But the reality of water shortages is pertinent today and responsibility with water is an important thing to instill in our kids. They can still have sprinkler play but place the sprinkler into a pool and discuss ways to reuse the water when they have finished with it. It might be to put on the winter veggie patch that you sow in early summer. Water is an excellent source of education and play. Rainy days can help to show children what happens to water, where it goes after the drain hole, and what effect it has on the place it ends up in.

There really is no limit as long as you don’t mind a bit more kids clothing in the wash. Once rugged up well even breaking ice in puddles on a frosty morning is so much fun. There is a huge variety of kids clothes and kids protective clothes available today so no more excuses about the weather being bad, go and enjoy our world.

Property Guide To Alicante

In the south-east corner of Spain between Valencia and Murcia, is Alicante province. Dubbed the ‘California of Europe’ by some, this part of the Spanish coastline became known as the Costa Blanca or ‘White Coast’ because of its 200kms of pristine sandy beaches and crystal clear waters.

Prior to the tourist boom, Alicante was comprised mainly of fishing villages, wine and citrus farms. However all that changed when the first air routes to the Valencia region opened up in 1957. Today, Alicante is a tourist mecca with first-rate infrastructure and leisure facilities, receiving around five million tourist visitors annually, making it an excellent place to invest in holiday letting properties.

Already fairly populous with nearly two million permanent inhabitants, Alicante has over the years become home to a thriving community of foreign retirees and lifestyle immigrants, many of them British or German, attracted by the healthy Mediterranean climate, unspoilt beauty of the lush, rocky coastline and Uncategorized salt marshes, as well as the fresh local seafood. Today, English is probably the second-most commonly-spoken language in Alicante after the native Valenciano.

Traditionally divided into a more affluent north and less well-heeled south, since the Spanish property boom, such demographics have become meaningless. All along the Costa Blanca, you’ll find luxury beach resorts, spacious villas and modern housing developments, as well as marinas filled with yachts.

The province has not lost all of its original charm though – there are still quaint Mediterranean villages with charming cobbled streets, ancient churches and historical architecture to be found; and the old quarters of many towns such as Altea and Javea continue to act as major drawcards for their historical value and café culture by day, and their restaurants and bars by night.

The capital, Alicante, is a genteel city with an international airport – the main point of access for the province – as well as many historical buildings, tree-lined boulevards, parks, palm-fringed beach and eye-catching harbour with marina.

Other places worth mentioning are Benidorm – the tourist capital of the Costa Blanca with first class entertainment facilities and pleasant micro-climate; Torrevieja -with its great golf courses and bird sanctuary in the Uncategorized salt marshes nearby; and Javea – a lush enclave of exclusive cliffside villas.

Property prices in Alicante are generally 3% higher than the Spanish national average, but buyers can still get good value for money if they do their research. Currently real estate sales in Alicante tend to centre around major tourist centres where holiday rental yields are still healthy, although bargains can still be found in the less-crowded outskirts.

Second home buyers and retirees tend to prefer quieter, less crowded or developed areas such as Benitachell, Denia and Javea. However, this less commercial aspect has begun to take on a certain cache, so that property here is not as cheap as one might expect.

Still, though, for health, lifestyle and quality of life, the Costa Blanca is hard to beat and property in Alicante is well worth considering.

How To Make Money With A Paid Online Auction

Selling your “junk” to someone who considers it “gold” can benefit a buyer who has something they are in need of, and a seller who has more money in his pocket as a result of the transaction.

That’s why using an online auction is something both buyers and sellers can benefit from. The Internet is an invaluable tool in today’s world for both personal and professional interactions. Online auctions takes it to the next level by creating an online marketplace. Everything from a computer auction to a book auction can be found.

While some online auction sites are free, there are advantages to using a paid online auction site. While getting something for free is always nice, as the saying goes – is anything really free?

That’s why putting money upfront in the form of a membership cost or paying a percentage on items sold is probably not such a bad thing when using a paid online auction. Consider these advantages:

* An auction site like EBay offers integration with Auctiva which can often provide unlimited space for photographs and descriptions of items, thus increasing the chances of selling your products.

* Using a paid site is also wise because most large online auction sites offer dispute resolution and other services to keep both sellers and buyers happy (kind of like an online manager for complaints).

* Sites like EBay and Amazon auctions are ones with a reputation for good business; or at least they want to have a good name if they hope to stay in operation.

These sites want to do everything possible to keep sellers happy because eBay is a known name for online auctions and the first thought of many considering an online purchase. They also want to keep buyers happy so they will continue to purchase on EBay, therefore resulting in sellers continuing to do business.

The term is known as good business. It’s also called good public relations and is essential for these sites to flourish.

But why even use an online auction in the first place? As noted earlier, a paid online auction brings people together via the Internet in an online marketplace. But while both parties would typically be in the same location, sites like EBay may involve parties thousands of miles apart. Someone in Birmingham, Alabama, might find themselves buying a computer from a seller in Birmingham, England.

Also, unlike a traditional marketplace where selection of items is limited, an online auction may include everything from a Mickey Mouse watch or life-saving medical equipment, to coffee cakes and automobiles. You can even do an electronic book auction online.

From the perspective of a seller, a paid online auction not only helps them with supplemental or full income, but is also be a means of getting rid of items they are no longer using. In fact, they might find it to be a perfect business home income online opportunity. From the buyer’s standpoint, it helps in not having to search to the ends of the earth for items they need and from being frustrated by not finding the perfect gift for someone.

Working with an auction site online guarantees a seller’s customer base is no longer limited only to customers across town. For buyers it is the end of fumbling through a phone book or driving around to find what they need. Instead, a paid auction site can help guarantee both sellers and buyers are happy with only the click of a mouse.

Choosing A Travel Nursing Career

Real simply travel nursing is a combination of travel and nursing and is currently a very popular career option for nurses. It’s a career choice that allows you to take short-term positions across the country and makes it much easier for employers to find nurses to fill various positions. It’s a fairly new option available to nurses that allow you to work on short-term assignments, usually 13 weeks in duration. It’s very popular now and is being recognized as a profession in and of itself.

Employers are realizing travel nursing is a great way to fill positions with qualified candidates, and to provide nurses with work and experience in a variety of different settings. It’s a great way for nurses to work in a variety of settings and gain experience in different areas.

If you are an RN with at least one year of clinical experience, the exciting field of travel nursing is open to you. Hawaii travel nursing is a great way to see the beautiful state and get paid for it. Whether you travel across town or across the country, travel nursing is big. It’s ideal for those who get antsy after being in one place for a while and like change. If you enjoy traveling and possess an adventure to explore new world with different geographic locations, travel nursing is the right choice you for. For those who love moving around and seeing the world, travel nursing may very well be the profession of our dreams.

Another advantage of travel nursing is you’ll get to choose the area you work as well as the type of nursing. If you’re feeling a bit stagnant in your career, this could be a great way to pursue other specialty areas of nursing without being locked in as a staff nurse. It’s simply a great way for nurses to get the experience they need to make themselves more marketable while working in a very lucrative profession.

Clothing Store For Fashionable Women Clothing

Men and Women by nature are social animals. They always try to look their best by wearing different types of clothing and accessories. The habit of dressing fashionably is more prevalent in women then men. They are always conscious of the latest fashion and style. Fashionable women clothings are available in different qualities and prices.

The new styles and fashions are mostly the domain of the young. The main fascination of the young generation with fashion is to look different. The requirements of the young are different; an ideal life for the young requires designer clothing, money and a place to stay.

Now a days Designer women clothing are available almost every where. They are designed to fulfill the needs and requirements of every type of customers. Due to increase in the demand of fashionable clothes there is a demand for courses in fashion arts and design. Now a day a lot of universities are fulfilling the demand by offering these types of courses.

There are many good quality women clothing stores which sell their clothes online. Online stores have unmatched convenience there is no need to leave the safety of your house to select a dress. There are many women clothing online available, the choice is unlimited. If you are in U.K then Hobbs clothing is the place to shop for designer clothes. Even if you are not in U.K you can shop from Hobbs by using the internet. Women clothing can be obtained from the women shopping store of Hobbs. Designer women cloth can also be obtained from Zara online shop. The clothes at Zara are different and of a better quality then most online shops.

Another advantage of buying from exclusive women online clothing store is that they offer free delivery to homes of the buyers. Zara is one of those shops which not only offers free home delivery but also offers 3D images of women clothing, which helps a customer in making a better informed decision. Another feature of the quality web sites is that you can check the quality of the cloth by asking for a sample. Buying women cloth online can not only be a enjoyable experience but it can be a process which can save you time and money.

Which Is More Cost-Effective, Cabs or Car Rentals?

Rent it or cab it?

People like the freedom of having their own vehicle to drive about in, at home or when they travel, and the tendency is to book a rental car when you are away. But freedom comes with a price and it depends where your travel destination is as to whether you’re best to rent a car or take a taxi.

Cheap ground transportation depends upon location, accessibility and extraneous expense factors, like gasoline costs and parking fees. Add to that the potential complexity of finding your way around a strange city, especially a large one, and you might change your mind about what freedom means.

A trip to, for example, New York City or Montreal, two North American cities with decent public transit systems, plenty of cabs, walkable areas in their cores, and very high parking fees, and you’ll realize that a taxi will almost inevitably surface as the cheapest mode of getting around.

But what if you want a day trip to the Laurentian Mountains or the antiques stores of Hudson? That’s the day to rent a car, or to find out if there is a luxury coach service to those destinations that returns the same day.

Car rentals are convenient, to be sure, but the costs add up quickly (don’t forget insurance and occasional peak-season added fees), unless your airline points cover all or most of the cost; even then, in large cities gasoline and parking is very costly, and that is not usually included in credit card or airline rewards perquisites.

When does a rental car make sense? If you live in North America (and can’t drive across the Atlantic Ocean!) and are vacationing in Italy, for example, landing in Rome and taking a motorcar tour of Tuscany and other regions from there, your only other viable option is the train. Like anywhere else, gasoline in Europe is expensive, but you can’t take a full driving holiday in a taxi. But don’t forget, there are guided tours and some taxi drivers will gladly spend a day with you, exploring San Gimignano; they are often the best tour guides, full of information about their homeland. And driving in other countries can be a harrowing experience, especially if it involves driving on the opposite side of the road than you are accustomed to!

Plan your itinerary, do an accurate cost comparison and decide whether a taxi or car rental, or combination of the two, is the cheapest way to get around when you reach your destination. And don’t forget to ensure that your driver’s license is current, and if you need to, get an international license before you set off for your trip. Happy motoring!

Boost Your Cold Calling Results in Commercial Real Estate

To make your prospecting system work for you in commercial real estate, you really do need to systemise it and set some priorities. Systems help build the future; random undirected action does little for you as a commercial real estate agent.

When you set the priorities you will not be wasting your time on things that don’t matter or perhaps have little results and conversions for you. It’s tough enough finding the time to prospect every day, let alone spending time on things that are not good converters of business opportunity for you.

So what can you do here? You can set a plan up that keeps you focused on the highly converting prospecting processes. You need new business to make your career work for you and prospecting is the key to pulling it all together.

Here is a priority model used by salespeople that I have helped in shaping their market share.

  1. Practice your call pitch for 30 minutes at 8:00am every day. This single one fact will help you convert more people faster to opportunities.
  2. Start the day with cold calls to new people. This should happen for a period of 2 hours. Start your calls at 8:30am.
  3. It will take you 30 minutes to build momentum as part of the call contact process. After 30 minutes you will be comfortable with what you are doing and the conversations will flow. The calls will get easier.
  4. Remove any meetings from the start of a business day. That includes team meetings. Focus on prospecting before anything else. Don’t let other people waste your prospecting time.
  5. Any follow up calls to established contacts should happen later in the day outside of your prospecting time. Create a habit of prospecting for new business. Don’t let existing customers or contacts derail your prospecting system.
  6. Towards the end of the day you should enter the results of the calls into your database. Perhaps you can do that as you are making the calls; the data does however have to be entered and you must take responsibility for that.
  7. End the day with research related to new prospects that you are to call tomorrow. Who are they and why are you calling them. You will need to know those facts as part of the process.

So these are some very rigid rules. When you stick to them you will find that opportunities develop. In any market and at any time the business is out there; it is just a matter of opening up the relationships with the right people.