Establish a schedule for prospecting. Get involved in the community. Go virtual. Keep in touch with past clients. Sell yourself.

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Set aside time each week to develop new leads through email marketing or phone calls. Take time to advertise your services in small venues such as coffee shops or community gathering spots. Although buying leads can develop new business, the most productive leads come from direct  interactions. Keep your finger on the pulse of the market by establishing a community presence.  Attend local festivals. Sponsor local schools and sports teams. Introduce yourself to neighbors. Make sure you stay connected with potential buyers in today’s virtual market. Many buyers do extensive online searching before contacting listings. Make your listings stand out by utilizing technology to display properties online.  Create 3D virtual tours of homes you list. Post walkthrough video tours of listings. Include pictures on every post of a listing. 75% of business for realtors generally comes from referrals. Make sure that you aren’t missing opportunities for new business by ignoring past clients.  Send a welcome home basket after closing. Call clients 1-2 months after closing to follow up and make sure they’re satisfied. Send a yearly newsletter to all your past clients; referrals may come several years after you first connected with a client. As a realtor, selling yourself is just as important as selling property. Work to make connections with people first, and they will want to buy or sell their property with you.


Establish a sense of style. Keep an eye out for men you consider well dressed. Hire a personal shopper. Adopt signature pieces. Take voice lessons.

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Your clothes and how you wear them say a lot about you, and will have an effect on how people perceive you. Wearing unflattering or extremely poorly-sized clothing says you don't care about how you present yourself.  The particular style is not as much a factor as how you wear it. You can wear whatever style is comfortable for you, whether it be trendy, alternative, casual or sporty, as long as it's appropriate to who you are. For example, if you're 30, and dress like you're 15, you'll look like you're trying to recapture your youth, not like you're a trendy 15-year-old. The same is true for any style—if it doesn't accurately reflect who you are, it will be seen as either clueless or fake. Neither impression will suggest "handsome" to anybody. When you're at a mall or walking down the street, take note of guys who appear to be fashionable. What things do you first notice? Women often look at shoes—a detail many guys gloss over. Because so many guys gloss over that part, taking the time to select, wear, and maintain a nice pair of shoes is a great way to boost how you're perceived. If you have absolutely no fashion sense and have the money, hiring a personal shopper can be a good initial step. They will help you identify your style, select clothes for you and then show you where to obtain these clothes on your own in the future.  If you don't have the money, have a stylish friend or relative go shopping with you for the day. Listen to them, but be aware that they may have their own style sense that's not quite your style sense. If most of the choices they're suggesting don't appeal to you, don't feel like you have to go with their suggestions. Thank them for their time, and try another personal shopper more attuned to your sense of style. Having a signature item of clothing can help you stand out and draw attention to your style. Take Steve Jobs, for example. His signature look was a black turtleneck, blue jeans, and New Balance running shoes.   Jewelry, such as a trademark ring, necklace, or watch can be...


Establish a set routine. Take your Greyhound out first thing in the morning. Feed your dog and fill up his water bowl with fresh water. Go for another 10 to 15 minute walk. Walk your dog when you get home from work. Feed your dog his evening meal. Go for a longer, recreational walk. Finish the day with one more 10 to 15 minute walk.

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This will help your Greyhound learn the rules of his new home and respond to training. Your Greyhound may have been potty trained by his former owner or trainer, but he may act out by going to the bathroom in your home. You can prevent this by establishing a consistent walking and feeding schedule so your dog knows when it’s time to go to the bathroom and when it’s time to eat. Greyhounds are very active dogs and require lots of physical activity to remain happy and healthy. Greyhounds are prone to bloat, and allowing them to exert themselves soon after eating can increase this risk. Always wait at least 90 minutes after your Greyhound has eaten before you exercise him. Start the day with a 10 to 15 minute bathroom walk. If he does not relieve himself, bring him inside, confine him to the crate and feed him. Then, walk him again within 10 to 15 minutes of eating to allow him to go to the bathroom. Praise him when he goes to the bathroom with verbal praise and a treat. Most dogs will like to go to the bathroom in the same area or spot, so head to that spot during bathroom walks. Give him the same food every time you feed him, preferably a premium dog food that is made for Greyhounds. Ask your vet for pet food recommendations. Look for high quality dog food that does not contain corn, wheat, or wheat flour. You should also avoid dog food that contains meat by-products, as your Greyhound can choke on any beaks and feet in the food.  The average female Greyhound, weighing around 65 pounds (29 kg), should eat approximately 2 ½  to 3 cups per day. The average male Greyhound, weighing around 70 pounds (32 kg), should be fed approximately 3 to 4 cups per day. Always give your dog the same amount of food for each feeding session. Do not give your dog table scraps or canned dog food, as this can be hard on his digestive system and lead to health issues. You should avoid letting your Greyhound drink a lot of water after eating. Only fill up his water bowl before a meal, as drinking too much water after eating can lead...


Establish a strong presence in the marriage. Remember that you are worthy. Take back your confidence. Learn to walk away. Create a support system. Consider leaving the marriage.

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Make a place for yourself in the marriage. Take some control over things, whether it is money, the house, sex, or something else. Narcissistic people often think they are the most important person in the relationship; make sure that your husband knows you are as important to the marriage as he is. Have humor in some of the situations. If your husband thinks he's perfect, use humor to dispel that notion. Help him see he's not perfect, the best, or the center of the universe. Let him know instead that he's important and that you love him, but other people are important, too. Most narcissistic people feel entitled to superior treatment; he might think, "I deserve special treatment because I make the money and pay the bills." Nothing gives him the right to treat you or anyone else with disrespect. Be aware that by confronting your husband a host of other problems may surface. Set a few ground rules and stick to them. Always set a time-out signal; you both may need time to calm down before continuing a discussion. If this doesn't help then go for counseling before it gets worse. Narcissistic relationships can negatively impact your confidence. Start building it back. Use that confidence to handle the situations your husband throws you, use it to stay strong when he lies, and use it to stay calm when he may not respond well to your attempts to talk. Find hobbies. Part of gaining confidence in yourself is making yourself feel important and significant. Learn to sew, take a dance class, start running, or start writing. Do something that makes you happy. When your husband loses his temper because something doesn't go his way, remember this is just a way to control you. Walk away, leave the room, leave the house, or roll your eyes. This lessens his power over you, which empowers you instead. You will need a support system since your husband is not giving it to you. This system can consist of friends, family, or mental health professionals. They can help you stay confident, strong, and feeling worthwhile. If the...


Establish a strong presence on social media. Make your own YouTube channel and post to it regularly. Make a demo to promote yourself locally. Share your music on an online music distribution platform. Create your own business cards to hand out when needed.

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The more platforms you use, the more exposure you will get and the more connections you will make. Set up accounts on Facebook, Instagram, Twitter, and Snapchat.  You may have personal accounts set up already, but consider making separate accounts—like a Fan Page on Facebook—specifically for your artist profile. If you like to write, consider blogging. It’s a great way for your fans to get a more in-depth look of your journey. With over 1 billion site visits per month, having your own YouTube channel is an easy way to get yourself more exposure by reaching a global audience. Once you create your channel, share it with your family and friends and on your social media accounts. Ask everyone you know to support you by sharing your link as well. Visit a professional recording studio or make your own home studio to record a few of your best songs. You can put your demo on CDs, flash drives, or an online playlist. Give your demo to club DJs, local radio stations, and recording studios and labels. Sharing your music digitally will give people across the world access to stream, download, and purchase your music. You can even get paid royalties for it!  LANDR, CD Baby, Ditto Music, Record Union, Reverbnation, and iMusician are a few distributors you can look into. Each company has different terms of service and fees, so it’s important that you educate yourself about which service will be the best for you. Handing someone a business card has a different feel than just giving out your phone number. Plus, once someone puts your number in their phone, who’s to say they will remember who you are afterwards? A good business card will have your contact information as well as what you do, and will make you stand out as a prepared professional. You can design and make your own business cards at home or through a local or online print company.


Establish a target listening area. Place the target seat in a good position. Hang some thick, rough textured fabric along the wall behind the target listening area. Place your speakers facing the target area at sixty degree angles. Ensure that the speakers and the target listening area are all equidistant.

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Perhaps this is a couch, love seat or your favorite chair. The ideal placement is halfway between the two side walls and at least a couple of feet back from the exact center of the room. Avoid placing the target seat all the way up against the back wall of the room. Flat surfaces such as walls tend to shatter the sound a little before reflecting it, so you will get a better effect if you leave a buffer between the back wall and the target. This will help to rectify the distortion of reflected sound. They should be at least one foot out from the back wall and at least two feet away from the side wall for optimal sound quality. This means the distance should be the same between all three parts, creating a perfect equilateral triangle.


Establish a training regimen. Increase your cardiovascular activity. Raise awareness of positional developments on the field. Polish your basic skills. Know where to look. Cover opponents and their angles of approach. Be determined in your mindset.

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Defenders in professional soccer are generally the tallest players on their team and are more solid than their teammates. This is because, as a defender, your objective is to protect your goal from shots by any means. This will require:  Strength, both for fending off aggressive opponents and to clear the ball once you regain possession.Weight train your legs to improve your ball clearing power and header potential. Don't neglect your upper body or you may be unable to jostle your way to the ball when going for a header.  Balance, for staying upright, tackling, and responding to on-field developments. Train your balance through specific exercises, like squats, and improve your core strength to encourage greater full body stability. All soccer players are expected to be high endurance runners, but defenders should be tireless. You should develop this characteristic throughout your career in the sport if you wish to become an exceptional defender.  To achieve this end, you might consider taking up swimming or cycling. Give extra focus to the development and performance of your legs. Strong legs will enable you to challenge opponents for headers more easily. Improve your vertical jump height. Jump rope to make you a stronger header contender. Positioning is essential for every defender, as poor positioning can allow unnecessary shot through your defensive line. As a defender, you are the  last line of defense before the goalie. You must keep a wide awareness of the situation on the field as it develops, including:  The position of opposing strikers. Midfielders adding pressure to the opposing team's attack. The position of your defensive line. As a defensive player, you'll be expected to have excellent ball handling skills. A sloppy pass or poor control can lead to repossession of the ball by the other team, which could end disastrously for yours. You should drill regularly with other defenders to maintain your ball handling skills and develop your adaptability to the defensive styles of different players....


Establish a visual theme. Interact with other fanpages. Stay on top of your fanpage's topic. Talk to your followers. Post often. Don't neglect the description box for your photos. Use popular hashtags.

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One thing that you'll notice on most successful fanpages is that their photos all follow the same general theme. While this doesn't mean that your photos need to look exactly alike, there are a couple of things you can do to ensure that your Instagram content looks uniform:  Use the same filter on your photos (or don't use a filter at all) Stick to a color theme (e.g., use all color or all black-and-white) Reaching out to other Instagram fanpages will both help expose your content to new people and give you an idea of what your content should look like as well. Following other fanpages will also help you stay informed of important information for your topic. Keeping your fanpage's content up to date with the latest information and news about your selected topic is crucial, as many of your followers will expect to get their news from you and similar pages. For example, if the person about whom you made your fanpage is an artist who just announced a new album, you'll want to announce the album on your page as well. Your fanpage's followers will undoubtedly have some comments, questions, and suggestions for your content; responding to them is crucial, as it will both help you retain followers and potentially inspire others to follow you.  Talking to your followers isn't just about engagement—it's about creating a positive community where people who enjoy the same topic can converse without interruption. Much of a fanpage's success can be determined by looking at how the fanpage's community interacts with each other. As with any other social media, success on Instagram often correlates directly with posting a few times per day, especially when starting out. At the very least, try to post twice per day. Make sure not to overdo it. Posting more than 5 times per day may dissuade other people from following you. While photos are the bulk of your Instagram content, be sure to add a caption to each post before publishing it. Captions create an opportunity to talk to your fanpage's followers or ask questions, and they...


Establish an exercise routine to grow and form new neurons. Do aerobic exercise to produce more of the protein called irisin. Challenge your brain by switching up your workouts. Try yoga to improve your problem solving skills.

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When you exercise your body, it increases the levels of brain-derived neurotrophic factor (BDNF) which is a protein that promotes the growth of new neurons, the specialized cells in your brain that transmit nerve impulses. Regular exercise increases your blood flow and oxygen levels and improves brain function.  The more neurons you have and the healthier they are, the faster you can think and the better your memory will be, Develop a regular exercise routine to get into the habit. For example, you might set a goal of exercising on certain days of the week, or spending a certain amount of time exercising after work or school. Irisin is believed to activate genes that are involved in learning in memory in your brain. Aerobic exercises use large muscle groups like your back, legs, and arms, which increases your heart rate and breathing and produces more of the irisin protein which is linked to the growth of new neurons.  Consider joining a gym that offers aerobics classes. You can also purchase DVDs or use online classes to do aerobic exercises at home. It can be easy to fall into a routine with your exercise that may cause you to get bored or discouraged when you feel like you aren't making any progress or improving. When you try new kinds of exercise, you'll sharpen your focus and improve your cognition as you use different parts of your brain to conquer a new physical challenge or skill.  If you take regular classes at your gym, try taking a different class. If you lift weights often, switch it up with sprints. A regular yoga practice can increase your ability to use logic, identify patterns, and solve new problems. The meditation involved in yoga slows down brain activity, which allows your brain reorganize itself and rest. Giving your brain a chance to rest while active means it is ready to absorb new information and approach problems from a different perspective.  Join a yoga studio for guided practice. Yoga still uses your muscles too, which increases blood flow and cognitive function. Headspace is a...


Establish benchmarks. Compare performance to expectations. Be vigilant and update your expectations. Guard against the temptation to trade excessively. Consult a reputable broker, banker, or investment adviser if you need to.

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It is important to establish appropriate benchmarks in order to measure the performance of your stocks, as compared to your expectations. Develop standards for how much growth you require of each specific investment in order to consider it worth keeping.  Typically these benchmarks are based on the performance of various market indexes. These allow you to determine whether your investments are performing at least as well as the market overall. It may be counter-intuitive, but just because a stock is going up does not mean it is a good investment, especially if it is going up more slowly than similar stocks. Conversely, not all shrinking investments are losers (when similar investments are doing even worse). You must compare the performance of each investment to the expectations you established for it in order to determine its worth. This goes for assessing your other asset allocation decisions as well.  Investments that do not meet expectations should be sold so your money can be invested elsewhere, unless you have good reason to believe your expectations will soon be met. Give your investments time to work out. One-year or even three-year performance is meaningless to the long-term investor. The stock market is a voting machine in the short term and a weighing machine in the long term. Once you have purchased stock, you must periodically monitor the performance of your investments.   Circumstances and opinions change. This is a part of investing. The key is to properly process and assess all new information and implement any changes according to the guidelines set in the previous steps. Consider whether your market expectations were correct. If not, why not? Use these insights to update your expectations and investment portfolio. Consider whether your portfolio is performing within your risk parameters. It may be that your stocks have done well, but the investments are more volatile and risky than you had anticipated. If you aren't comfortable with these risks, it's probably time to change investments....


Establish defenses to protect your base. Scout the map to locate enemy bases. Group combat units using hotkeys. Study units and buildings to learn their abilities. Build new bases to increase your resources. Expand as often as possible. Spend money constantly.

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A common and effective strategy is to storm into an opponent's base and attack the workers harvesting minerals and gas. All three factions can build defensive buildings designed to protect your turf.  Terran: Select an SCV, click Build, then choose Bunker. Bunkers can house up to four combat units, who can fire at approaching units safe and sound from within the Bunker. Train four Marines, then place them in the Bunker by selecting them and right-clicking the Bunker. Protoss: Select a Probe, click Build, then choose Photon Cannon. Photon Cannons fire automatically when enemy units draw near. Remember to place Photon Cannons within a pylon's power field. Zerg: Select a Drone, click Build, then choose Spine Crawler. Spine Crawlers automatically attack enemy units. Remember that Spine Crawlers must be placed on your creep. If you don't find your opponents, they'll find you. Beat them to the punch by sending one or two workers around the map as scouts. Don't worry if they get killed in the line of duty; as long as they find a base, they've done their job. Select a group of combat units by clicking and dragging your cursor over them. Now hold Ctrl and press 1-9 on your keyboard. That entire group will be assigned to the number you select. To control all of them at once, press the number you assigned, then right-click on the ground to move the entire group. Every time you train a new unit or construct a new building, click it and study the abilities and options available to you, highlighted in a box in the lower-right corner of the screen. Grayed-out abilities cannot be used or purchase yet. Hover your cursor over them to learn the prerequisites they require for you to use them. Mineral patches and Vespene geysers will run dry eventually. Gather a retinue of combat units and two or three workers and head to an expansion bay, an area on the map with unclaimed minerals and geysers. Upon your arrival, get your base up and running as quickly as possible.  Assign one of your workers to build a new town hall. Place the...


Establish how much hair to take off. Purchase a hair clipper from a local beauty supply store or online. Purchase hair clipper detachable steel blades from your local beauty supply store or online.

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Talk with the person whose hair you're cutting and decide how long the top and sides should be. This information can help you decide which clipper blades to purchase (see Step 3).  Do they want it thicker around the sides, or do they want skin showing around the head? How much hair do they want to leave on top? Three major brands are Oster, Wahl, and Andis. Blades come with specific length settings. For example, the Oster "000" blade cuts hair to 1/4 inch. In general, 1/4- to 3/8-inch attachments are good choices for standard flat tops.  For flat tops with very close sides where the skin shows, select the smallest-length blade (e.g., an Oster 0000 for very close, 1/8-inch sides). Although clippers come with detachable plastic length guards, these are not as effective at producing smooth, even results in one go as the steel blades.


Establish indoor 'ground-rules' with your dog. Ignore your dog's bad behavior. Encourage calm 'default' behaviors. Remove temptations.

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Decide what sort of behavior your want your dog to exhibit while indoors and work toward correcting behavior that doesn't fit with your expectations. If you are consistent with the boundaries you set, your dog will soon catch on. Do you want him to be completely still and quiet in the house? Is it okay for him to bark when he sees a squirrel outside?  Focus on rewarding positive behavior rather than punishing bad behavior. Give your dog a small treat or a chew toy when he is being calm. Stick to your own rules by not rough-housing with your dog or riling him up on purpose. Deciding on a whim that it is okay for your dog to act crazy when you usually discourage this will only confuse him. Although this may seem counter-intuitive, it really works. When your dog misbehaves (steals a shoe, barks, or jumps up on you), he is trying to get your attention. By acknowledging him, even in a negative way, you are reinforcing his actions. Try ignoring him when he does something wrong; this means no eye contact, no verbal communication, and no physical contact.  Once your dog settles down, reward his calmness with attention. This will teach him that it was only once he relaxed that he got what he wanted from you. If you encounter a situation you can't ignore (for instance, your dog has your child's favorite doll in his mouth), get your dog to stop by distracting it with a toy. Once it stops, give it the toy as a reward. Default behaviors are things your dog does when he doesn't know what else to do. If your dog is hyperactive whenever he's not in his crate, this probably means that his default behavior is to run around, jump, bark, or whatever. Work on transforming his default behavior to something that requires being calm (such as sitting down).  This requires frequently rewarding your dog for doing whatever it is that you want his default behavior to be. Use a very small treat as the reward, and give one to him whenever he engages in this behavior on his own. It is okay if you want your dog's default behavior to be...


Establish lasting bonds with family and friends. Adopt a pet if you can care for it. Help others. Distance yourself from toxic or needy personalities.

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One the biggest predictors of both a long, healthy life and happiness is a strong social network. Long-term relationships can provide support during tough times, increase life and work satisfaction, and reduce your risk of future illnesses.  Check in with friends you haven’t seen in a while. Send them letters, emails, or presents in the mail. Make sure to remember important dates, like birthdays or anniversaries. Form bonds in your community by befriending your neighbors and other local residents. You might volunteer at a local school, house of worship, charity, or political action group to form new connections. You don’t need to have a ton of friends to reap the benefits. In fact, a few, strong friendships can be more powerful than having several shallow acquaintances. A pet can help decrease cholesterol, blood pressure, and feelings of loneliness or anxiety. It is important, however, to only adopt a pet if you have the time and money to care for it properly.  A cat or dog can cost $1000 USD for the first year of ownership and around $500 USD for each year after that. Pets can have unexpected medical issues as well.  Adopting a pet is a good option if you prefer to spend more time at home. Most pets require a few hours of care and companionship a day. By helping others, you can also help yourself. Volunteering and assisting people in need can provide a powerful sense of fulfillment. Look for ways to support and assist people you love.  You don’t have to say “yes” to every favor, but you might give someone a hand when they need someone to assist them with a task. Sometimes just talking to be people can help them, especially if they are going through a tough time. Check in with loved ones with a phone call or card when they may be feeling down. Volunteer at a charity that serves an issue you care about. You might walk dogs at a shelter, raise money for medical research, or collect clothing for children in need. Relationships with people who express negative, controlling, or impulsive behaviors can make you...


Establish measurable goals. Focus on the evidence. Offer fewer sales items. Add an opt-in offer. Invest in hover ads.

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If you don't have an exact goal in mind it will be much harder to track improvement. Determine exactly how much you want to increase your sales by and over what time period you want to accomplish this goal. The more nebulous your target is, the more difficult it will be to increase your sales.  It's okay to pick an aggressive goal, but don't choose something that is impossibly out of reach. You should also take steps to track your goals. Install some kind of web analytic software on your site in order to keep track of how much sales have increased. Oftentimes, people let personal experiences or opinions dictate how they run their own website. For example, if you're annoyed by subscription pop-ops or ads, you may assume everyone shares this opinion. This can lead to ignoring hard, empirical evidence regarding what has work in the past. Try to leave your own prejudice and preferences behind as you begin working at increasing sales. Base your decisions primarily on statistics and studies rather than your own opinions. People often go into selling with a "more is better" mentality. However, research indicates that buyers are more likely to make purchases when their options are limited. This is because buying a product or service can be mentally draining. You need to evaluate the available options and weigh their pros and cons. With too many options to chose from, people may feel frustrated and move on to something else instead of making a decision.  This fact is backed up by empirical research. In a study conducted by Columbia University, researches set up a free taste testing booth offering different flavors of jam at a local supermarket. The booth stayed up for two Saturdays in a row. On the first Saturday, there were 24 flavors of jam offered. On that day,  60 % of people stopped for a taste test but only 3 % bought any jam. The next day, 6 flavors of jam were offered. While only 40 % of people stopped for a taste test, 24 % ended up buying  jam.  Try cutting back on how many products or services you're...


Establish professional links. Donate your images. Keep up to date with other professional wildlife photographers. Approach an agency. Build your social media presence. Monetize your site. Put yourself out there. Learn video production. Run photography workshops. Learn key software programs. Balance work and personal life.

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Make sure you keep contacts at publications and agencies that have received your work. If you are lucky, they may provide feedback for your initial submissions. Continue to build your relationships as you grow your portfolio. Take business cards, email, or add your contacts through social media. Get your images seen by donating them to conservation websites or other nature related groups. Make sure to ask if they will purchase your images first before offering to donate any image for free. Make sure to study what your peers and contemporaries are doing. Never copy anyone’s work. You may even reach out to other photographers whose work that you admire to see if you can establish a professional relationship. If you have built an extensive body of work, find an agency that will promote your work. Make sure that you understand any commits before signing any contracts with your agency. While many photographers freelance, an agency lets you concentrate on the creative side of your passion rather than worry about the business aspect. Create a website, blog, and utilize existing social media tools like Facebook and Instagram to show off your talent.  Work with a graphic designer to develop a site that stands out from other photographers. Participate in online photo sharing forums.  Choose where you post your photos because you want to make sure that the audience is large enough to garner a following. Strategically post on sites that will showcase your talent. While you are most likely promoting yourself for free, the number of views for a photo can translate to visits to your site. Your goal is to get noticed by having your photos go viral. If you have the resources you can hire someone to help you manage your website. Otherwise, read blogs, forums, or invest in classes to learn how to create and manage an effective website. Sell prints, ebooks, video tutorials, calendars, or whatever else you can on your site. Once you begin to get traffic to your site you want to be able to convert views into sales. Selling art...


Establish regular hours of operation. Interview and hire reliable employees. Take inventory on a regular basis. Consider the safety of your employees.

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Decide on these before you officially open.  You may have to research when the busiest traffic times are. If none of the other gas stations nearby are open late, consider having late night hours. Consider becoming a 24 hour gas station if there is a market for business after midnight. Always open promptly at the set time. Customers will not want to wait for opening. Make sure they understand all aspects of their job.  You will want employees who will show up on time for their shifts. Schedule your employee shifts to allow for ample coverage during the entire business day. Have a store manager on duty for all shifts. You should inventory all cigarettes, lottery tickets, and money orders at the end of every business day.  Put in inventory orders in a timely manner. If you are constantly out of supplies in your convenience store, customers will complain or be less likely to shop at your business. Consider how long it takes your vendors to make deliveries. Plan ahead and order popular items well in advance. Run inventory and cash reports at the end of every business day. Keep a ledger with this information so you can keep an eye on losses. Deposit cash to the bank every day. While most gas stations operate without many incidents, accidents and robberies do occur.  Keep only small amounts of cash in your registers. Install a drop safe for employees to deposit cash from their registers. Clear your drop safes at the end of every business day and deposit cash to the bank. All employees should be trained in fighting fire, as a fire at the fuel pumps can happen. Install shatter proof glass windows. Consider a 24 hour security system with cameras.


Establish respect. Be aware of your reactions. Frame the discussion in terms of your experience. Practice effective listening. Model good behavior.

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If it becomes necessary to engage someone over the issue, tell him that you understand he is feeling angry and want to resolve the issue together. This will let him know that you respect his emotions and that you come in peace. Explain that you want to know why he is mad so that you can help, and that you are sorry for your contribution to how he feels. You do not need to agree with the content of what he is saying in order to appreciate the difficulty of his emotional state. Try not to raise your voice, use sarcasm, or accuse him of being irrational. These actions will only escalate the situation. Additionally, be aware of your nonverbal body communication. Frowning, shaking your head, and rolling your eyes will put him on the defensive and create additional tension. Rather than accusing him of being angry at you, say that you are worried you have done something to make him mad, but you are not sure what you did. Use "I" statements rather than "you" statements. This will help to avoid blame. Try to restate what they are saying in your head, to make sure you understand his position. If he is open to it, go a step further and ask him to confirm that you got it right. This will involve him in the process and show him that you are putting in the time and effort to really understand the meaning he is trying to convey. Psychological research shows that while many people respond negatively to being told what to do or being given direct advice, they are open to adopting behaviors from others that are perceived to be effective and result in positive outcomes. Example: If the person says something rude, take a few deep breaths before replying. This will activate your parasympathetic nervous system and calm you down, so that you can respond with a more even temper. He will notice this shift in attitude and may want to try it out himself!.


Establish rituals. Maintain a healthy sex life. Create shared values. Have your own sense of self.

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Rituals are important to a happy, married life. Find ways to spend time together one-on-one throughout the week.  Rituals can be anything meaningful to you and your partner. Going out to dinner once a week, watching a particular show together, taking long walks, and other activities you enjoy as a couple can serve as rituals.  It's important to maintain some kind of a schedule. Obviously, things get busy and sometimes you might miss a dinner here and there. However, having a set day of the week or set time of day for one another can help assure you two don't miss each other in the shuffle. Sex is important to a romantic relationship. Maintaining a healthy sex life longterm is vital to getting along with your spouse.  If you and your partner have different sex drives, there are ways to compromise. This does not simply mean having sex more or less based on someone's needs, but you can explore fantasies, varying levels of foreplay, role play, and other means to get you and your spouse on the same level.  If sex is becoming a problem, you see a couple's therapist to see if there are any underlying issues affecting your sex drive. It's important to have some shared values as a couple. While you may not agree on everything, you should have certain shared values. You can work together on what your goals are for the relationship, the future, and career. Establishing values together as a couple can strengthen a relationship and assure a positive future. The healthiest, happiest couples have individual lives apart from one another. You cannot rely on your partner to meet all your needs all the time. Even while striving to spend time with one another, find activities you enjoy doing alone or with other people as well. Join a book club. Have a weekly bar night with just friends. Get involved in a craft. A little space is important for a healthy romantic relationship.


Establish routines. Get some sleep Eat well.

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Having routines in your life helps you cope with the trauma by giving you regular events to look forward to and by giving you stability. Continue any routines you had before the traumatic event and create new routines to help you cope.  Get together with friends and family on a regular basis. For example, have dinner with your family every weekend or go to the gym with a friend twice a week. Have specific days and times that you do things. For example, check your email in the morning, bathe the dog on Thursday evenings, or clean up on the weekends. Schedule time for journaling and other coping strategies like meditation, counseling sessions, or support groups. If you break a routine, don't beat up on yourself. Simply try to get back on schedule tomorrow. . One common symptom of trauma is insomnia and problems sleeping. Coupling insomnia with the stress of the traumatic event can be extremely harmful to you. Having a regular bedtime and waking time is one way to return to normal life and cope with the traumatic event.  Try stretching, taking a warm bath, or doing something relaxing before you lie down for bed. Put away electronic devices an hour before bed, as the blue light emitted from smartphones, tablets, laptops, TVs, and similar devices make it difficult for you to fall asleep. If you have problems sleeping that last more than a few days, consult a medical professional for help. Many people experience changes in their eating habits after a traumatic event. Some people eat to cope with the stress, while others lose their appetite and have trouble eating.  Make sure you are getting regular meals throughout the day. Try to eat healthy foods like fruits and vegetables that will provide your body with the nutrients it needs to function at its best.


Establish safety first. Confide in someone you trust. Leave the relationship or home if you can. Document any offenses. Refrain from getting revenge. Reach out to a domestic violence support program. Consider making a safety plan for when you leave.

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If your spouse acts violently towards you or anyone else in the home, the first thing you need to do is get yourself (and any other innocents) to a safe place. This may be a locked room somewhere else in home, a neighbor's house, or to the police station. If she comes at  you, try to shield yourself from harm as much as possible without retaliating as this can cause you to be considered a perpetrator, too.  If you have children in the home, alert them to head to your "safety zone" whenever shouting or other signs of violent behavior takes place. If you believe you are in danger, call the emergency services immediately. The first step in getting out is often just letting others know you are in an abusive relationship and you need support and help.  Beyond telling someone you trust, it can be helpful to ask them to assist in helping you find a way to leave. You generally need to gather resources, copies of documents and other items as you prepare to leave. A trusted friend can store these items for you. Gather any items you may need to leave like your own cell phone, a separate bank account and legal ID so you are not forced to stay in the home. Research your options as far as filing for separation, custody and other legal matters so you can coordinate as needed. If there are children in the home, make a plan for all of you to leave safely, if possible. This plan needs to take into account local laws about custody and what needs to occur so you can take the kids with you if that is what you want. Because abuse often follows the same cycle, you may be able to time leaving during a time where your partner thinks everything is “normal” and perhaps less likely to think something is going to happen. If you have to leave during the active abuse, beware this is the time you are most likely to be faced with possible false charges of you being the abuser, or even of getting hurt. You need to protect yourself from retaliation in the form of false charges of abuse from your partner; keeping records of everything will help...


Establish that you have common ground with the person that you invite over. Ask your parents or guardian before you invite your friend over. Find an opportune moment to ask your friend to hang out.

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Choose someone that you have some inside jokes with, or someone who likes the same books or bands that you do or you are close with as a friend and would enjoy them being there. Choose someone who you feel good being with.  When you have decided to ask someone over to your house, don't think ahead.  Thinking ahead can make you nervous about potential outcomes that aren't even a possibility yet.  Just remember that even if you are rejected, it's really not as big a deal as it feels at the time. This will prevent any awkward last-minute cancellations. It can also be beneficial to avoid times that siblings might be around. In order to make more concrete plans, wait until you are both talking enthusiastically about something you both want to do, whether it's to watch a new episode of a T.V. show, or try a new recipe. Make plans as soon as you both agree on an activity that you want to take part in.  For example, "There's a new episode of that TV show out on Wednesday.  Do you want to hang out at my place and watch it then?” Or, “I have all the ingredients for that recipe.  Do you want to make it tomorrow after school?”


Establish the genre. Choose a perspective. Research when necessary. Stay on track. Use plot twists with caution. End on a dramatic note.

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The crime, or the discovery of the crime scene, almost always occurs in the first chapter, but this cliché can be effective. Right away, it establishes the tone of the story, whether that's occult, violent, emotional, suspenseful, or exciting. If your crime story is a whodunnit, the unusual nature of the crime or the hints dropped throughout the scene gets the gears turning in the reader's head. If you want to write about what happens before the crime, you can go back in time for the second chapter, adding a subheading such as "one week earlier." Most mystery authors choose a point of view that hides as much information about the mystery as possible, without confusing the reader. This can be the protagonist's first-person perspective, or a third person perspective that most sticks near the protagonist's actions. Think carefully before moving to another person's thoughts; it's possible to pull it off, but often adds unnecessary complexity. Most crime stories are written for a popular audience, not FBI agents or expert criminals. Your readers don't need perfect realism to enjoy a story, but the major plot elements should be fairly believable. You can find a ton of information online or at a library, but extremely specialized subjects may require asking questions from someone who works in the field, or in a specialized online forum. If a scene doesn't relate to the crime or the investigation, ask yourself what it's doing there. Romance, side plots, and long, casual conversations have their place, but they should never steal the spotlight from the main plot and the main characters. This is especially true for short stories, which can't afford to waste any words. If you love a good surprise, go ahead and include the astonishing reveal — and stop there. A second plot twist in the same story makes the reader feel cheated, especially if it's almost impossible to guess in advance. Even the most unlikely plot twist should have a few hints sprinkled earlier in the book, so it doesn't come completely out of the blue....


Establish the main character in the first line. Use one syllable words that rhyme. Describe the main character doing something funny or strange. Give the main character an obstacle or issue to overcome. End with a realization or resolution.

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The first line of the limerick should let your readers know exactly who the poem is about. Include the character’s gender or name. You can start with a structure like “There once was” or “There was.” Make sure you follow the eight to nine syllable pattern for the first line.  For example, in a limerick by Edward Lear, the first line is: “There was an Old Person of Dover.” Another example is a limerick by Selina Wallis that begins with, “There once was a girl named Selina.” Choose words that relate to your subject or main character. Pick words that are one syllable long to make it easier for you to follow the syllable count for each line as well. For example, you may start with a first line like, “There once was a shy boy named Mark.” You may then think of words that rhyme with “Mark” like “shark,” “lark,” or “park.” You can then build a story around these rhyming words. Use strong verbs that convey a sense of immediacy and action. Pick an action that might make your reader laugh or giggle.  For example, in the limerick by Edward Lear, the second line shows the old person from Dover doing something silly: “Who rushed through a field of blue Clover;” Another example is a limerick by an anonymous poet that opens with the lines: “A bather whose clothing was strewn/By winds that left her quite nude.” In the third and fourth line, the main character should be presented with a predicament that they must address. The obstacle could be another person or an animal. Maybe the main character falls or injures themselves. Pick an obstacle that might appear strange or a little ridiculous to the reader.  For example, in the Lear limerick, the old person from Dover is confronted with an obstacle: “But some very large bees/Stung his nose and his knees.” In a limerick by Selina Wallis, the aspiring ballerina deals with an issue: “She went on her toes/And fell on her nose.” The last line of the limerick resolve the issue or obstacle for the main character. Maybe the main character has a sudden realization and makes a decision....


Establish trust in the relationship. Be yourself. Talk as much as you please. Share your feelings without adding pressure for reciprocation. Expose her to your hobbies and interests over time. Explore new environments together.

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Help your shy girl feel secure by letting her know you are serious about a relationship and will be loyal to her. Contrary to what most people think, shyness usually isn't due to a lack of confidence. Many shy people and introverts are quite independent, and they will steer clear of superficial or fickle relationships to maximize their alone time.  If a shy or introverted girl knows she can trust you, she will be more inclined to pursue a relationship with you. The sooner you make your intentions about the relationship known, the more comfortable and secure you will make her feel. If you can promise her a genuine, meaningful, honest relationship, she will want to put forth the time, effort, and attention in getting to know you and nurturing your bond together. Just because she is quiet and shy, it doesn’t mean you have to be. Even if she doesn’t verbally express it, she is just as excited to get to know you as you are to get to know her. Don’t feel like you have to hold back or match her quiet or shy demeanor. Shy and introverted people are highly observant and sensitive (in a good way), so the more open you are with her, the easier time she’ll have getting to know you and shaking off her shyness. Don’t be afraid of the quiet, but if you feel like talking, talk as much as you like. Shy and introverted people appreciate someone else carrying the conversation when they don’t have as much to say. Plus, they are great listeners, so never hesitate to share what’s on your mind. Even though it can be hard for shy or introverted people to share their feelings in the beginning, it doesn’t mean that you can’t share yours.  In fact, knowing how you feel first will help her sort out her thoughts and feelings faster and help her communicate better, when she’s ready. Just be sure to express your feelings without expecting her to immediately respond. This can be a hard thing to do, but she’ll appreciate you for it. If you enjoy rock concerts or weekly happy hour with your workmates at the bar down the street, don’t opt out...


Establish trust. Stay in contact. Communicate more deeply. Share your schedules. Handle gossip graciously. Know your limits.

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Trust is the foundation of any relationship. Since you will spend the majority of your time away from your new beau, it is important that you genuinely trust each other. Knowing that he is in a different school, surrounded by unknown people has its pros and cons. On the one hand, you won’t hear any gossip about your relationship. On the other hand, you may feel that you don’t see each other enough to develop a strong bond. Either way, it is important that you both feel confident in your relationship and that you really believe your guy is doing what he says he’s doing. Despite not being able to see him all the time, you can still keep up with him. Call, text, or even email him. Send him a text between classes or call him at the end of your day when you both have some free time. Keep it consistent. You don't have to have long, meaningful conversations all the time. Mix it up with short texts that just let him know that you were thinking of him. Tell him a funny thing that happened to you that day, or just say, "I was thinking about you." You may be making time to have regular phone conversations with your guy, but what are you really talking about? Communicating your honest thoughts, hopes, and fears brings you emotionally closer to the person, and makes for a stronger relationship. Use your time together (or on Skype, or on the phone) to truly open up. If your school systems are completely out of sync, communicate about upcoming stressful periods. These might include final exams, end of year projects, holidays, and school events. Discuss your school schedules in advance. That way you can be either prepare for less communication or prepare to help each other get work done.  For example, if you have exams, while he has a holiday, he can come over and quiz you on your work. Consider using technology like Google calendars to sync your schedules. People at school may say many things about your relationship, especially if they don’t know the guy you are dating or if he is from a rival school. Rumors and gossip can...


Establish your brand. Market your label creatively. Grow your base.

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Once you've got the practical business matters well in hand, cultivate and maintain the aesthetic layers of your record label. Create a logo and make sure you use your logo and "look" on your physical labels, on your website, and on all stationary, t-shirts, mugs, etc. Sign bands and acts that fit in with the particular image you hope to cultivate.  Check out successful DIY labels Sub Pop and Matador records for examples of brand management, who maintain a fiercely independent business model that's also quite diverse. Over the last ten years, the Internet has drastically changed the way music is purchased, listened to, and distributed. You may face a hard road to success if you're using the traditional model of touring and relying on CD sales and radio play. YouTube videos and pay-what-you-want models are increasingly popular in maintaining the success of your brand.  Consider promotional gimmicks, like printing t-shirts with the download code for a label mixtape on the tag. Goner records, a Memphis-based garage/punk label, even offered free 7-inch records to anyone who got "Goner" tattooed to their body and showed it at the store. Sub Pop started by focusing on local Pacific Northwest grunge bands, but now features a diverse array of more mainstream sounds, like Iron & Wine and Fleet Foxes. With this expansion of the kinds of sounds they embrace, their success and share of the market has grown considerably. Even if you're focusing right now on tween pop stars, consider taking ways in which you might crossover and fit other sounds and images into your brand.  In the early 90's, major labels were much more willing to take risks on unknown or "underground" acts. Sonic Youth, a noisy independent art band from New York, found themselves in a unique position after being offered a big deal by Geffen, and the signing was applauded by both label executives and music fans. If your label is bringing in money, consider throwing a curveball by releasing a project from left field.


Establish your budget. Determine the type of kayaking you will be doing. Contemplate your needs. Take a test paddle. Make the purchase.

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Kayak pricing varies greatly depending on model and the material in making the craft. An entry-level plastic kayak can cost as little as $250, while a top-of-the-line, folding, 2-person kayak can cost more than $4,000. Kayak requirements differ according to purpose. Flat or open water trips and whitewater trips utilize different kayak designs to effect the best in-water transportation.  For short, occasional trips, a cheap kayak is a good choice, but for frequent or longer trips, especially in treacherous water, you will want a higher-end model. For the purposes of fishing and other traveling across smooth water, a larger kayak will allow you more room to stretch.  A tighter fit, however, is recommended in a whitewater kayak. Before any other considerations, you should take into account how many people you will need to accommodate. Some sea kayaks can carry as many as three people. And while tandem kayaking can be a romantic activity for you and your partner, two solo kayaks will offer more autonomy and opportunity for exploration.  When inspecting 2-person kayaks, you should keep in mind that the extra length of these craft will make maneuvering more difficult. Tandem kayaks usually weigh anywhere between 70 and 100 lbs. If you have to make a crossing with your kayak, or carry it between launch points, a lighter model might be best. Long kayaking trips will require more room for cargo. Be sure the kayak you purchase has enough storage space to suit the duration of your trip. Some stores will allow you to check the fit of your kayak before you purchase, and kayak sellers on a waterfront might even allow you to take out a boat. You may even want to ask a friend if you can borrow a kayak and take it for a short test run. While doing so, you should consider:  The stability of the craft. Do you think you will need more or less stability? Do you feel comfortable with how your test kayak balances? The maneuverability of the craft. If you feel that your kayak doesn't maneuver naturally or intuitively, you may want...


Establish your goals. Assess your fitness level. Equip yourself properly. Adopt healthy habits. Set a schedule. Find motivation aids.

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Be clear as to what you want to achieve by undertaking a running program.  It it general fitness?  Running in a race?  Keeping up with your grandkids in the backyard?  Set benchmarks that you can “check off” along the way.  For instance, jogging for 30 minutes straight, 45 minutes, and so on, or sprinting 40 yards, 60 yards, and up to 100 yards. Having clearly-stated goals and benchmarks along the way can help keep you motivated to stick to the program. Especially if you are older, out of shape, or have underlying medical conditions, consult with a physician regarding your plans to undertake a running program.  A realistic assessment of your current fitness level will help you craft an appropriate program. Don’t assume you are too old or too out of shape to run, however.  Almost anyone can take on and benefit from a running -- or a run / walk -- program. Running gear is not overly expensive, and investing in the right equipment will make your workouts more efficient and your body less susceptible to injury.  Choose running shoes, not cross trainers, basketball shoes, etc.  Consider visiting a running store where you can be properly fitted for running shoes.  Like a race car with bad tires, the performance of a runner with improper footwear will suffer. Select lightweight, moisture wicking clothing that will keep you cool and dry in warm weather, and lightweight, breathable layers to keep you warm enough in colder weather.  Don’t skimp on socks, either -- keep your feet cool and dry.  Women will need a comfortable sports bra as well. To get the most out of a running program, you need to fuel your body properly and cut out unhealthy habits that will limit your progress.  Running burns a lot of calories, so you want to eat lots of high-energy foods like fruits, vegetables, and whole grains -- basically, the kinds of foods you should be eating more of anyway.  Lean proteins like chicken, fish, beans, and lowfat yogurt are also good choices.  You don’t need to change your diet to be a runner per se; you need to...


Establish your reason for writing. Read different authors, genres, and styles of writing. Brainstorm Map out subjects, topics, and arguments for non-creative pieces. Try freewriting to get your ideas flowing. Identify your audience and what they know about your subject. Research your topic.

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Maybe you like writing as a hobby, or perhaps you want to publish a book. Maybe you have a long essay due for a class, or maybe you want to improve your copywriting skills at work. No matter what, you can always improve your writing. Understanding your writing goals simply makes it easier to know what to focus on moving forward. For example, if you’re writing a paper for a scientific journal, you won’t need to establish a setting as a novelist would. Understanding what you want to write helps you tailor your skill-building approach. Read a wide breadth of authors, genres, and writing styles to expand your understanding of different styles and voices. Reading helps you develop what you want to write about and how you want your writing to sound.  Don’t limit yourself to one specific genre. Read novels, non-fiction books, fan fiction, poetry news articles, academic journal articles, and even good marketing material. Familiarizing yourself with as many writing styles as possible gives you a bigger toolbox. It's also a great idea to read texts that can help you accomplish the type of writing you want to do. If, for example, you’re writing a sci-fi novel, scientific journal articles will help you master the technical speech while good ad copy can teach you about sensationalism and emotional appeal. Keep up a regular reading schedule.  Even if it's only 20 minutes a day before you go to sleep, you'll notice an improvement in your writing. topics, plots, and characters for a creative piece. Before you can start writing, you need an idea about which to write. You could write about zombie-mummy romances. You could write about Mercury. You could even write about yourself. There is nothing you can't write about. Consider these questions to help get you started:  What genre are you writing in? What themes do you want at the core of your story? What important traits will your main character have? What will motivate your antagonist? What tone (comedy, tragedy, etc.) will your story have? Why should the reader be interested...


Establish your training in weeks 1-3. Increase your distance in weeks 4-7. Focus on speed and distance in weeks 8-12. Have an off day. Taper before a race. Listen to your body.

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Your first weeks should be about getting started, establishing a routine, and familiarizing yourself with your equipment. A sample schedule for your first weeks, which are suitable for 12 weeks of training for an Olympic distance race, may be:  Monday: Rest day Tuesday: Bike 30 minutes Wednesday: Swim 750 yards Increase to 1000 yards in week 3  Thursday: Run 30 minutes Friday: Do yoga for 30 minutes Saturday: Bike 15 miles and swim (brick training) Sunday: Run 3 miles and swim (brick training) After you begin to be comfortable in your workout routine, you should push yourself by increasing the distance gradually.  A sample schedule for weeks 4-7 could be:  Monday: Rest day Tuesday: Bike 30 minutes Increase to 45 minutes in weeks 6 and 7  Wednesday: Swim 1500 yards Increase to 2000 yards in week 7  Thursday: Run 30 minutes Friday: Do yoga for 30 minutes Increase to 60 minutes in weeks 6 and 7  Saturday: Bike 20 miles and swim (brick training) Increase to 25 miles in week 6 and 30 miles in week 7  Sunday: Run 4 miles and swim (brick training) Increase to 5 miles in weeks 6 and 7 Now is the time to step up your training by trying to make your swimming, biking, and running faster while you continue to increase distance.  In the case of timed workouts, this will mean that you’re covering more distance.  For the distance workouts, you will get done faster as you increase your speed.  A sample schedule for weeks 8-12 might look like this:  Monday: Rest day Tuesday: Bike 60 minutes Wednesday: Swim 2000 yards Increase to 2500 yards in weeks 10-12  Thursday: Run 30 minutes Friday: Do yoga for 60 minutes Saturday: Bike 35-40 miles and swim (brick training) Sunday: Run 6 miles and swim (brick training) Increase to 7 miles in weeks 10 and 11 and 8 miles in week 12 It is good for your body to rest, so even when you’re in intense training mode, try to give yourself one day every week to rest.  It may be easiest to have it be the same day every week. The one to two weeks before your race, you should work on tapering your...


Establish your viewing criteria. Review your free options. Review your paid options. Review third-party apps. Check out the "Sling TV" app.

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Before searching for a channel or app, consider the following:  Which sports you want to watch. In addition to the kind of sport (e.g., hockey, baseball, etc.), do you want to watch live sports, or are you content with highlight reels? Whether or not you're okay with blackouts. If you want to watch local sports for free without worrying about a channel blackout, your options will be significantly more limited. Whether or not you have a cable subscription. Most of the top-tier live streaming channels will require a cable subscription that you'll use to log into the app. Some of Apple TV's official free sports channels/apps are:  120 Sports ACC Sports CBS Sports MLB At Bat These options will require a cable subscription; to use them, you'll need to log into the app with your cable subscription credentials the first time you set the app up:  ESPN NBC Sports Live Extra MLB.TV MLS LIVE NFL NHL NBA UFC While these aren't technically sports-oriented channels/apps, you can usually watch sports-related content on the following channels:  YouTube Vimeo Dailymotion Sling TV is a pay-per-month channel hub that covers services like ESPN; if you decide to use Sling, you can actively watch your preferred live sports during their active seasons and then cancel your subscription immediately after your seasons end. This way, you don't end up paying for a year-round cable package to watch three months of sports.  Sling's most comprehensive package is $40 per month, while lesser packages run $20 to $25 per month. Sling also has a myriad of non-sports channels, including channels from Disney to National Geographic.


Estimate how much start-up capital you'll need. Look for investment money. Contact the SBA regarding an SBA guaranteed small business loan. Consider a home equity loan. Consider micro lending.

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Using your financial plan, determine your projected annual expenses and gross income. You'll need to have enough capital to cover both your start-up and operating expenses. If you do not, you will need to take out a loan.  Operating expenses include licenses, permits, insurance, rent or mortgage, a security system, employees' salaries, computer equipment and software, and professional services such as an accountant or bookkeeper. You can lease equipment or purchase used equipment to save money on operating costs. This could be from your own savings, an investment partner, or a bank. Other entrepreneurs have used a line of credit with their bank, a home equity loan, a credit card or micro lending. You would then apply for the SBA loan at a local bank or credit union. This type of loan guarantees repayment by the SBA if you default. Find a bank who will give you a home equity loan or home equity line of credit. You would be using your own home as collateral. Make sure you can pay back this loan or you risk losing your home. You will also have to have a credit score in the high 600s to take out this type of loan. Internet micro lending services (also called peer to peer lending) help borrowers find lenders for relatively small loans, usually under $35,000. Research these sites and familiarize yourself with all of the rules and regulations in order to avoid misunderstandings later. Popular micro lending sites include Kiva, Prosper and Lending Club.


Estimate the amount of fill you'll need. Rent a blowing machine. Baffle your vents. Set up and use the blowing machine.

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Generally speaking, without any preexisting insulation in place, it takes 10–12 inches (25.4–30.5 cm) of loose fill to achieve an R-rating of about 38-40. Find the rough surface area of the base of your attic and ask the seller how many pounds of fill will be required to fill that area to 11 inches (27.9 cm) deep. Many home improvement stores offer blowing machine rentals for the DIY-minded. Remember, machine-blown fill insulation will be more effective than hand-filled, so unless you want inferior insulation from your material, rent a blowing machine when you buy your insulation. Soffit vents will need to be baffled (protected from getting clogged with fill insulation) before you work. Add one rafter vent baffle to each soffit vent. Carefully follow the instructions that come with your machine to set it up and begin blowing insulation with it. Blow your insulation in evenly and smoothly. Stop every few minutes to check the depth of the insulation and be sure it's more or less even. Keep going until the proper depth of insulation has been reached.


Estimate your car’s condition. Research your car’s value. Find your maintenance records. Get financing ahead of time. Make a copy of your registration. Put a few personal items back in the car.

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Most guides require that you estimate the condition of your car—excellent, good, fair, or poor. Very few cars are in good condition and almost none are in excellent. Be honest with yourself and examine your car critically. Consider the following:   Excellent. The car should be brand new and not have had any paint jobs or bodywork. Both the interior and the engine should be clean.  Good. The car should be rust-free or have minimal rust. The paint job should be shiny, and the interior and exterior should have few apparent defects, such as scratches or dings.  Fair. Your car probably has rust and other defects, though the defects should be repairable. The tires probably also need to be replaced.  Poor. The car has mechanical issues which can’t be repaired, and it probably also has severe rust. You need to know the car’s value before going into negotiations. There are many websites you can search for the car’s value. Popular websites include Edmunds.com, Autotrader.com, and Kelley Blue Book. Remember to find the car’s “trade” value. This is what you are likely to get from a dealer. You might be able to get a better deal if you have a complete set of maintenance records. Go through your paperwork and see if you can find everything. To really get a good deal, you need to separate the trade-in from the purchase of your new car. For example, you might want $10,000 for your car, but the dealer offers only $8,000. To make you happy, they can give you $10,000 but then increase the interest rate on your loan. Prevent this from happening by shopping for a car loan before you go to the dealership.  Visit your bank or credit union and ask whether you qualify for a car loan. They will need to pull your credit score and credit history. Take your approval with you when you go to the dealership. Unscrupulous salespeople like to play games. They’ll hold onto your registration and license to try to get you to buy a car. Before heading out, make a copy of your license and registration to give the salesperson, but don’t part with...


Evacuate dangerous areas immediately. Move to higher ground away from water. Avoid crossing through water. Stay out of moving water. Swim backwards to survive moving water.

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You may have only a short time to escape. Act quickly, utilizing your planned route. Head to designated shelters during flood warnings. When emergency services tell you to leave, listen to their instructions. Some people think they can ride out the storm, but keep yourself safe by taking proper precautions. Leave everything behind. Don’t stop to move valuables. Grab your emergency kit and go. Whether you are on foot or have to abandon your car, higher ground is your best option. Get away from areas with storm drains, streams, creeks, or rivers. If you’re stuck at home, head for the roof if you can do so safely.. Water up to your ankles is enough to be dangerous. You cannot see how deep the water is the rest of the way. Six inches (15.24 cm) of water is enough to reach the bottom of cars and cause stalling. 12 inches (30.48 cm) will float away most vehicles. Never try crossing standing water.  Keep in mind the motto, “Turn around, don’t drown.” When you’re in doubt about the water depth, don’t risk it. Children and pets should always be kept out of the water. It can get very deep or fast, and it’s difficult for even adults to escape once caught in it. The water also will be very dirty. If you have to go through water, bring a stick. Use it to measure the water’s depth and feel for stable ground. Moving water is never safe to approach. The current is usually stronger than it appears and even a slight current is strong enough to carry off adults and vehicles. Most flood deaths come from people trying to drive through water. Don’t risk it..  Don’t drive around barricades. They’re there for your safety. If your car does get stuck in water, open the windows, breaking them if you have to. Once water enters the car, you’ll be able to open the door and escape. Turn over on your back instead of fighting the tide. Keep your feet positioned upstream, using them to push away from obstacles floating with you. Try to find something to hold onto, such as a strong branch or roof. Once you do this, point your feet downstream...


Evacuate when instructed. Attend to livestock and pets. Take shelter if you are told to stay where you are. Assist others in need. Protect yourself if you do go outside.

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It's important to pay close attention to the instructions and alerts given by the local government and emergency services. Remember the emergency services are fully trained to deal with the situation, and will most likely have access to more information than you. If you are told that you need to evacuate, do so swiftly, calmly, and according to the instructions given.  When you evacuate, only take essentials with you, such as your emergency kit and your car emergency kit. Be sure that you have a supply of any prescription medications that will last at least a week. If you have time, be sure to switch off the gas, electricity and water in your house. It's also advisable to disconnect your appliances before you go. This reduce the chances of an electric shock when the power is turned back on. If you are driving, you should follow the designated evacuation routes, and be prepared for heavy traffic. Other routes may be blocked so stick with the given evacuation routes. If you evacuate, avoid low-lying areas and valleys. There is an increased chance of encountering a mudflow in these areas. If you come to a river, look upstream before crossing. Do not cross if you see a mudflow approaching. In the event that your house and property are directly impacted by the volcano, your animals will not be able to escape. Do what you can within reason to ensure their safety. Be aware that most emergency shelters will be unable to accommodate them. If you're keeping your pets with you, you'll need to be sure that you have planned ahead and have enough food and water for them. Place your livestock in an enclosed area or make arrangements to transport them as far offsite as possible. If you are not told to evacuate, but are advised to stay at home and take shelter, keep listening to the TV or radio so you can move quickly if required. When you are at home you should take extra measures to help ensure your safety and health. Start by closing and securing all of the windows and any doors that lead to the outside. Close your...


Evaluate a puppy's age by assessing its tooth growth. Evaluate the condition of your adult dog's teeth to estimate its age. Consult your vet if you would like a more accurate estimation of your dog's age.

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Teeth grow fast at the early puppy stage. Because the change is so rapid, this is the most accurate time to be able to tell a dog's age. Count the type and position of your puppy's teeth to estimate their age.  Newborn puppies are born without their teeth erupted from the gums. At certain intervals teeth will erupt. The first baby teeth to appear will generally be the canine teeth at 3-4 weeks of age. At 4-5 weeks of age the two middle incisors erupt. At 4-6 weeks the first two molars erupt. At 5-6 weeks the third incisors erupt. And at 6-8 weeks of age the third molar erupts. The premolars do not appear until much later. At eight weeks and older puppies will have 28 baby teeth.  At around 4 months of age the puppy will begin to lose its baby teeth as the adult teeth will erupt. Most times, puppies swallow these teeth but occasionally the owner will find a shed baby tooth or see the gum line is bleeding where a tooth has erupted.  Just as with baby humans, puppies at this stage will love to chew on things! At 4-5 months the adult incisors, first premolar, and first molar will erupt. At 5-6 months the adult canine, premolars 2-4, and second molars erupt. Finally, at 6-7 months the adult third molar will erupt. All together there will be 42 adult teeth. In the first two years of adult life, the teeth are generally white with very little wear. By the end of the second year the white will have dulled and tartar will begin building up. This will cause yellowing on the back teeth. Eventually wear and tear and accumulation of plaque and bacteria will begin to age the teeth. This is how we estimate an adult dog’s age.  By age three, most dogs will have some signs of tooth disease: accumulation of yellow and brown tartar, reddened gums, bad breath. Of course, dogs with owners who brush their teeth daily and who take their dog to the dog dentist regularly will not have these signs of wear and tear and disease. After three to five years the yellowing will increase and be visible on all teeth. There will be noticeable...


Evaluate charities. Donate to a few causes you feel strongly about. Reconsider charities each year.

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Not all charities are created equal. When making decisions about donating time and money, spend some time figuring out what organizations are most effective.  You want to support causes that make a real impact. Determine which charities make a real impact and which do not. Look for tangible outcomes and real life outcomes. Solid charities will give you a breakdown of where the money goes. For example, look into how much is spent on charitable causes and how much simply goes back into the organization.  Look for verifiable impact. That is, how many people does the charity actually help? What kind of services do they provide? A trustworthy charity will be able to provide real statistics rather than feel good anecdotes alone. It can sometimes make more sense to go deep rather than wide. That is, donate more to a smaller amount of organizations. Your money will go further and you'll have more of an impact. Focus on a handful of worthwhile organizations rather than donating a small amount of money to one or two causes. Reevaluate your cause each year. Charities are subject to change and this is sometimes for the worse. Reevaluate where you're donating your money each year. Watch for changes in infrastructure in existing charitable organizations that may change how your money is being spent. Stay up to date on news articles about existing charities and pay attention to the board of directors. Changes in power could lead to an organizations adjusting its values in a way you dislike.


Evaluate different forms. Weigh the short-term versus long-term costs. Choose synthetic fertilizers for fast results. Select natural fertilizers to improve soil quality. Consider using a combination of natural and synthetic fertilizers.

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The first step will be deciding if you will use a natural fertilizer or a synthetic one. There are some benefits to each.  Natural fertilizers are composed of organic material. Examples include compost (homemade or store-bought), manure, cottonseed meal, blood meal, bone meal, fish emulsion, liquid seaweed, milk, and molasses.  Synthetic fertilizers come in a variety of forms, such as granules, water-soluble powders, and liquid concentrates. Purchasing natural fertilizer (as opposed to generating your own compost) can be cost prohibitive. A similar quantity of synthetic fertilizer may potentially cost less. However, natural fertilizers will release more nutrients slowly over time, nourishing your plants for longer and improving the quality of your soil over time. Within a day of applying a synthetic fertilizer (particularly a water-soluble variety) you will see dramatic results. This may be the right choice for you if your plants need an immediate pick-me-up. Natural fertilizers work slowly because they are improving the quality of your soil from the inside out. Rather than merely providing nutrients directly to the plant, they also provide nutrients that will remain in the soil. Natural fertilizers can improve the quality of your soil, meaning that you will ultimately need fertilizers less frequently. Natural fertilizers are much better for your soil over time, but they are much slower to release. One option is to use a natural fertilizer as your primary fertilizer, but to also give your plants the occasional boost with a water-soluble synthetic fertilizer.


Evaluate each side of your mouth. Twist your tongue onto its side. Use your teeth to guide your tongue. Hold your upside down roll.

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At this point, you may have noticed that your tongue moves/twists more easily on one side of your mouth than the other. This is most likely your dominant side, and it will be easier for your to turn your tongue upside down on this side. Chances are this action will feel foreign to you at first, but with practice it will become more natural. You may need to exercise your tongue's flexibility before you are able to orient your tongue so that the opposite edges meet horizontally toward the corner of your mouth. When you have successfully mastered this, your taste buds (the top of your tongue) will be pointed toward the corner of the mouth on the side of your mouth which you feel most comfortable. Using your upper teeth, gently begin twisting your tongue farther toward the bottom of your mouth. Try to hold this position for several seconds before releasing.  As you become more comfortable twisting your tongue in this fashion, start attempting to make the motion without using your teeth. In this way, you will train the muscles of your tongue in a new range of motion. When you can roll your tongue and twist it so that your taste buds are oriented mostly toward the bottom of your mouth, you have successfully rolled your tongue upside down, though you may only be able to hold this position for a few seconds at first. More practice will give you more control. Without using your fingers or teeth, roll your tongue and twist it in the direction most comfortable to you. If you can control this position, holding it for several seconds, you have successfully trained the muscles of your tongue to perform the upside down tongue roll.


Evaluate how much space you have. Make room on a small desk. Keep organized with a tray. Use a planner for your desk. Display a fancy calendar. Organize your cables.

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You may only have room for a small desk if you’re a college student. If you are just about to enter into the workforce, you may need a larger desk with personal yet professional touches. You may need a very large and specific desk if you are in a career that heavily relies on desk work but want to work from home to tend to your family. Move your filing system off your desk and onto the floor. You may also place it behind your computer monitor. Separate files that you don’t need everyday so you can create needed space atop your desk.   Organize vertically and use the side of your desk to keep your desk clear. Use tape, clips, or vertical filing systems to keep things nice and neat. Avoid marking up your desk with special adhesive you can purchase at your office supply store.  Layer your decor to conserve space. Stack books on top of files or create other stacks organized by shape and size. Colour coordinate levels or organise by size to keep a neat and visually pleasing aesthetic. Layers are especially helpful when you have a small area to work with. Don’t let your office supplies, memos, and keys mess up your desk. Find the right tray or desk organizer online or at your local office supply store. Make sure that you have the right measurements because you don’t want it too large that it takes up too much space or too small that it can’t handle all of your clutter. Don’t get overwhelmed with little memo’s or stick it notes. Use a planner to keep all your appointments organized and easily accessible. You can find leather bound planners that look great displayed atop your desk. Stylish day planners can be purchased online or at your local office supply store. You don’t have to wait until the beginning of the year to put up a calendar. It’s actually cheaper to get a calendar after January. Stand up a mini calendar atop your desk. Calendars come in many varieties so it’s easy to find something that makes you happy like kittens. Neatly roll and tuck away any cables for your electronics or chargers. You may also...


Evaluate how you spend your time. Cut back on unnecessary activities. Shut down social spheres. Get up early and use this valuable time to focus. Say no when you need to and don't feel bad about it.

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Unless it's down time you've established, any activity that doesn't produce a tangible result or lead you to success is most likely a waste of time. This does not include meaningful time for reflection, which is key to getting your life back in order. Simply choose which things in your life are important to you and which are not. First, make a list of things that you normally do on a daily and/or weekly basis and write down how much time you spend on each activity. Then, take the items on that list and cross off the things that are useless in your life and you spend too much time on. Make a do and don't list. Look at the things you crossed off and what you still have on your other list. Does this seem reasonable? The main goal is to get you to stop spending so much time on useless things. Now that you know what to avoid doing, replace them with more productive activities. For example,  going to the movies or browsing on the computer half as often will give you more time. Or, if you watch TV for 5 hours a day, you're definitely wasting some time in your life. Some people are big on having as many windows open as possible when they are on the computer. They say it helps them to not forget important tasks and to stay on track. But if it sounds like you, you probably notice that the notification figures are constantly flashing, and before you know it, you're distracted by tweets directing you to another great article, photo updates about dinner selections, and an irresistible yet pointless online argument. Shut these social communities down and take control. Figure out times of the day to check back in. Take advantage of the useful time management tools out there to schedule updates for the day. You'll soon be so busy being productive that you won't notice that the social world you were so heavily immersed in has disappeared. Take advantage of the energy that comes with the rising sun. As many people are still not up and creating chaos in the world, it's a great time to be highly productive. Leave the social...


Evaluate options. Consider real estate. Choose stocks and bonds. Evaluate investing in gold.

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Once you have determined your "deployable capital" amount, investigate real estate, stocks and bonds, buying gold or any other kind of opportunities for investing to beat inflation. Diversification is also important so if one type of investment doesn't produce good results you haven't lost all your money. Financial experts advise taking 120 and subtracting your age. The remainder is the percentage you should invest in stocks and the rest in bonds. You can also find asset allocation modeling calculators online that will help you assess how risk tolerant you are and how close you are to retirement. This is a popular way to beat inflation. You can help beat inflation by paying off the house you live in early, as property values generally keep pace with inflation. You can also invest in additional real estate, whether it's a summer home or rental properties.  Contact a local real estate broker with experience in buying rental properties. Go to the website of a real estate company and read the backgrounds of each broker. He or she will know which areas in town are likely to increase in value. Take an adult education class to learn how to be a good landlord and follow all laws if you are considering buying rental properties. Rising prices in the economy are usually good for increasing the value of stocks. If you are looking for an income stream that keeps pace with rising prices, consider Treasury Inflation-Protected Securities. These are government-issued bonds that guarantee their value will rise with inflation (measured by the Consumer Price Index), while their interest rate will remain fixed. Purchasing international bonds will provide diversification and generate income from their dividends. You will be investing countries that might not be experiencing inflation. Gold is a good inflation hedge, as it usually retains or increases its value during inflationary periods. You can also buy gold in the intangible, non-physical form, generally through the stock market. Gold can also be easily sold (hopefully at a...


Evaluate paid services carefully. Search for reviews and complaints about the company online. Never provide payment information to an untrustworthy site.

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"Reverse cell phone lookup" websites are notorious for scamming customers, either by failing to provide any useful information for their money or by willfully stealing the customer's credit card information. The the better business bureau directory is a good place to look in addition to ordinary search engine queries. Do not enter your credit card number if your browser warns you that the website is insecure, if the site asks you to pay using a third party website you've never heard of, or if the site seems "sketchy" and unprofessional.  This includes "free trials" that claim your card will not be charged. Try to find a service that has you pay using PayPal or another well-known third-party system.


Evaluate pet appearance. Identify pet personality. Consider your pet’s uniqueness.

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What your pet looks like may a good place to start when you want to name your new pet. Consider things like:  Fur color or length. (For example, if you own a long-hair dog or cat, you can name it "Shaggy".) Distinguishing colored patches. (For example, you may name your pet "Boots" if it has color patches on his/her paws.) Distinguishing features or injuries Eye color (For example, you may name your pet "Frankie" after Frank Sinatra, whose nickname was "Ol' Blue Eyes.") Ear or head shape (If your pet's head is triangular, it might appear fox-like. "Fox" or "Foxy" might be a good name for your pet.). How your pet acts may be another great way to pick the perfect name. Observe your pet to distinguish unique characteristics  Unique vocalizations (bark, meow, squeak, etc). (For example, if your cat has a quiet meow, you may name it "Silence")  Temperament such as happiness or sleepiness. ("Happy," "Sleepy," "Peaceful," "Bossy," or "Cranky" might be good names.) Some of the best names can come from the pet’s uniqueness. If your pet comes has an interesting background, consider it when picking a name. Ask yourself:  Did my pet come from a unique or far-away location? Consider naming it after a city or country such as Cleveland or Italy. Did my pet come from a specific family or shelter? Think about a name after the person you adopted your pet from, maybe like "Sherry" or "Lisa." If your vet has a unique name, such as "Mills," perhaps consider that. Did my pet come overcome a challenging situation. Consider names to reflect that like: "Lucky" or "Chance."


Evaluate profitability using operating leverage. Analyze the impact of higher fixed expenses and lower variable expenses. Predict the impact on profit margin of growth in sales. Evaluate a company’s risk profile. Apply operating leverage with care.

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Operating leverage tells you how fast your operating income grows in relation to your sales.  In the example above, Company ABC’s operating leverage is 4.  This means that the operating income grows four times as fast as sales.  However, this number changes depending on the ratio of fixed to variable costs.  The higher your fixed expenses are as a percentage of total expenses, the higher your operating leverage is going to be. Higher operating leverage means that your net income grows at a faster rate. Company XYZ has the same sales and operating margin as Company ABC (sales = $100,000; operating margin = $10,000).  However, its variable expenses are $30,000 and its fixed expenses are $60,000.  The contribution margin is $100,000−$30,000=$70,000{\displaystyle \$100,000-\$30,000=\$70,000}. The operating income is $100,000−$30,000−$60,000=$10,000{\displaystyle \$100,000-\$30,000-\$60,000=\$10,000}. Operating leverage = contribution margin / operating income.  $70,000/$10,000=7{\displaystyle \$70,000/\$10,000=7}. Company XYZ’s operating income grows 7 times as fast as its sales. Use the operating leverage to calculate how much your profit margin will increase with an increase in sales.  Multiply the operating leverage by the percent increase in sales.  This the percentage by which you can expect your profit margin to rise.  Suppose the two companies in the above examples each had a 10 percent increase in sales. For company ABC with an operating leverage of 4, net profit margin should increase by 40 percent with a 10 percent increase in sales (10%∗4=40%){\displaystyle (10\%*4=40\%)}. For company XYZ with an operating leverage of 7, net profit margin should increase by 70 percent with a 10 percent increase in sales (10%∗7=70%){\displaystyle (10\%*7=70\%)}. Therefore, you can use the operating leverage to quickly calculate the impact of changes in sales on your operating income without having to prepare detailed financial statements. High operating leverage means that companies can substantially increase their...


Evaluate the alternatives of home care, hospice care, nursing home care, and hospital care. Start making burial/funeral arrangements.

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Ask the loved one who is undergoing the dying process which alternative would be most appealing to him or her, and do your best to accommodate wishes. Bear in mind that costs and level of care differentiate with each option, and should be explored in greater detail before making a final decision. However, unless your loved one asks about it, do not tell them. They may think that you are "doing them in."


Evaluate the cause of your house's temperature. Contact energy suppliers if you cannot afford to heat your home.

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If you are suffering a cold house due to an energy blackout, the above tips will help you get through this short term emergency. But if you are living with a non-working heater because you don't have enough money to pay for heating repairs, you will need to start saving money in the bank for exactly this type of emergency. Pay yourself first so that you can get through any and all emergencies as they arise. Don't leave yourself out in the cold. They might work with you to find a payment plan you can afford. In addition to this, you may be eligible for federal (or other government) assistance to help pay your bill.