Tips on Where to Kick-Off Your First Car Search

Before you go out and splash out on a new vehicle you may like to take some time putting together a list of your incomings and outgoings, such as motor insurance.

Young male drivers often pay the most for their car policies as statistically they are involved in more accidents than older drivers. If you have been given some cash to put towards your first car you are likely to be very eager to find your ideal motor to hit the open road. However, due to costs, such as your insurance premiums, it is wise to do some research before you purchase your wheels.

Deciding where to begin your car search is a good starting point. Some young motorists prefer private sales, whereas others like to browse dealerships for bargains. The advantage with purchasing your car from a recognised dealer is that you will be protected by consumer laws. Regulations in Ireland require sellers to offer products that are in working order, with any problems declared. So, if you purchase a vehicle that develops a fault that was not brought up at the time of sale you are more likely to receive a refund or have the issue fixed, than if you bought the motor privately.

Another advantage of purchasing from a dealer is that they can offer finance deals if you do not have enough money to buy your desired motor. It is recommended that you check whether the retailer is registered with the National Consumer Agency, which is a body that regulates firms who supply credit to shoppers. Once you have bought you new car it is a legal requirement that you pay Vehicle Registration Tax, Motor Tax and car insurance.

The costs of these depend on many factors such as the carbon emissions your vehicle produces, size of its engine and your age and gender. It is wise to consider the impact of these on your finances before you sign for a new motor. If you prefer to go to private sellers for your first car, you may find that there are more bargains available.

Garages like to increase their prices to the fullest amount expected for second hand vehicles but individual sellers may be more inclined to drop the price of their motor for a quick sale. In order to safeguard your finances, it may be a good idea for you to consult official bodies that can do data checks on your chosen vehicle prior to purchasing it. This can help raise any issues with your car, such as if it has been stolen or if there are payments outstanding on it through previous hire purchasing deals, which could cause problems for you when it comes to registering your new wheels.

As private sellers are not bound by the same consumer laws as official dealers there is no legal promise that your car will run once you have bought it. To prevent mechanical failure, many young drivers ask an expert to take a look under the vehicle's bonnet to check for defects, so you have peace of mind that your car will run well. If you choose to go for a second hand car, you may find they are cheaper to insure as their parts cost less than those installed in newer cars, which can help young drivers make further savings.

Rochelle Martinez, Freelance Web Content Article Writer for three years. Some of her articles are about http://www.quinn-direct.com.

The Human Papillomavirus Vaccine

The Human Papillomavirus (HPV) vaccine is contains virus-like particles of various strains of HPV, is designed to prevent infection from specific species of HPV. There are two vaccines on the market presently: Cervarix and Gardasil. Both vaccines protect against cervical cancer, and Gardasil also prevents against strains of HPV which cause genital warts.

It is estimated that approximately 80 to 90% of all sexually active adult females will contract HPV at some point in their lives, although the majority of these women will not develop complications from the virus and it will resolve on its own. Despite this, however, 470,000 cases of cervical cancer develop in each year that results in 233,000 deaths, and HPV is one of the leading causes of cervical cancer.

Numerous public health officials in countries all across the world including the United States, England, France, Spain, Italy, Australia and Canada recommend that young women become vaccinated against HPV before they become sexually active, however there is still significant controversy over whether or not to mandate these vaccinations. In the United States, Gardasil is approved by the FDA for use in women as young as nine years old.

The major protein found in HPV will assemble, at random, into virus-like particles that resemble actual strains of the virus. The vaccine contains these virus-like particles, which, because they do not have the DNA necessary to reproduce, cannot actually cause an infection. The body responds to the vaccination by producing antibodies which prevent future infection.

Numerous Texas health insurance companies do not cover the cost of the HPV vaccine, and the out of pocket costs may be as high as $120 per dose, with the full course of treatment requiring three full doses. The National Cancer Institute, however, states that, "Widespread vaccination has the potential to reduce cervical cancer deaths around the world by as much as two-thirds, if all women were to take the vaccine and if protection turns out to be long-term."

If you are concerned about the cost of the HPV vaccine and would like to look into your options for Texas health insurance, visit Texas Health Insurance Options at texashealthinsuranceoptions.com 

Joseph Devine

From Ngong With Tales of Silk And Silkworms

Our travels this April, it seems, will be accentuated by the visit recently to the small but vibrant town of Ngong which played host to a unique trade fair held at the community level where producers and processors can showcase their products to their clients - the Kenya Livestock Producers Association Trade Fair which was to be officially opened by Prof. George Saitoti, Minister for Internal Security. The trade fair offers an opportunity for local entrepreneurs and producers to showcase their goods and services to the community.

The trade fair has traditionally targeted mostly crop and livestock farmers and hence most of the wares exhibited are of an agricultural nature ranging from improved seed varieties, new feed formulas guaranteed to improve yields, livestock insurance products and the like. But there is an occasional outlier that proves to be an eye open to all who attend.

The Ngong exhibition held on the 29th of April had one such outlier - a sericulture project showcased by the National Sericulture Station from Thika. Sericulture, or silk farming, is the rearing of silkworms for the production of raw silk.

Silkworms, which are offspring of moths, produce their highly-desirable, silk by spewing out thread from tiny holes in their jaws, which they use to spin into their egg-bearing cocoons. This entire production takes a mere 72 hours, during which time they produce between 500-1,200 silken threads.

Once the silkworm completes its cocoon, the farmer takes it from the silkworm to prevent the shrunken pupa, carefully encased inside, from hatching into a moth in 12 days. The silk farmers ensure that this event does not transpire, and does not jeopardise this very labour-intensive moneymaking venture, by exposing the cocoons to heat, thereby executing the pupa.

The silk production process begins by bathing the now-empty cocoons in troughs of warm water, which serves to soften the gum binding the silken filaments together. The farmer then proceeds with the arduous task of unraveling several cocoons, and winding the filaments onto a reel that twists 10-12 filaments together into a 'single' thread of silk. The end product is a skein of raw silk. The value of the final product is graded according to the number of threads threaded together. A 3 threaded thread is more expensive than a 2 threaded thread and so on.

We gathered that with only a ¼ of an acre one can expect to generate up to Kshs 20,000.00 per year which can be improved with irrigation to Kshs 32,500.00. The Thika project is using the Mulberry plant (which, according to the exhibitor, can be as many as 4,000 plants in just an acre) to feed the worms which are housed in a 7x5x3m room which can accommodate about 40,000 silkworms.

We found the level of sanitization of these small creatures very intense - the whole room plus the floor are first disinfected with formalin (any other disinfectant can also be used) before lime is sprinkled around the house.

During good weather (adequate rainfall) one cycle of silkworm rearing can produce about 40kgs of cocoons. With good management up to four cycles can be possible in a year.

But the story of the silk worm though an outlier, did not start in Thika or Ngong. The ancient Chinese unearthed the silkworm's secret, and were the first to spin the silkworm's threads into cloth. They kept this clandestine, top-secret operation, from the rest of the world by imposing the death sentence upon those who smuggled the worm and/or its eggs out of China.

There has been a growing trend to change paradigms of agricultural production systems from the traditional farming enterprises to those that yield the most benefits while using the least cost. Sericulture alongside rabbit keeping is proving to be one such enterprise of the future.

Henry Kimathi Muuthia writes for Enchanted Landscapes, one of Kenya's fastest growing on-line initiatives documenting and showcasing the beauty of Kenya's spectacular landscapes and historical monuments alongside her people's cultural diversity, music, dishes, dressing, art, literature and many more. Visit our website http://www.enchanted-landscapes.com/, read amazing travel stories on our travelogue http://www.enchanted-landscapes.com/el_travelogue/ and discover why Kenya can no longer be ignored.

Health Care Costs Are the Result of Bad Diet Choices

The Cost of Our Food Should be Measured in the Total food, Health Care, Energy, and Environmental Costs of What We Choose to Eat. Looked at this way, it is insane how much we are paying and future generations will be paying for our unhealthy diet pleasures. Meanwhile, half the world is starving and the other half remain overfed.

It is remarkable that the American public, as tight as money is, is so fearful about some unexpected health crisis popping up, that we are willing to pay hundreds and even thousands of dollars per family each month for health insurance, which may get cancelled at the last moment anyway. This is a perfect example of how we have been conditioned to fear things we don't understand.

Rather than taking the time to educate ourselves on how to eat to stay both thin and well, we allow ourselves to be manipulated by our fear of some nameless health catastrophe. And then, overcharged for high-tech solutions that treat only our symptoms. (To be fair to doctors, they can't control what we eat.)

And yet, for all the "protection money" we spend, we are unwilling in most cases to do the things we are told by public health agencies that will prevent many of the most feared diseases. We pay exorbitant charges for health care insurance rather than correct our personal risk factors.

This being January, the month when most Americans decide to get serious about dieting for a week or two, it may be appropriate to look at how insane our dietary habits are.

The diseases that trouble us the most are caused by the junk we eat. Most of them can be prevented by correcting our diet--once and for all--and learning to ignore temptation. We should recognize slick advertisers of unhealthy foods as the Devil's own representatives--and avoid their recommendations like the plague.

What we do instead, with the encouragement of our medical providers, is spend $70-100+ per month for a statin drug to allow us to go on eating bacon and eggs, meats, and ice cream, without worrying about our cholesterol levels. Would it not be simpler and healthier--and cheaper!--to stop eating extra cholesterol? But no, life in modern America wouldn't be worth living without being free to graze on all the delectable goodies that food chemists concoct for us each day--or so we appear to think.

So, because 68% of Americans are overweight, which should be an easy problem to remedy with a little self-discipline, we are prone to become diabetic, suffer from cardiovascular disease, and several cancers. This we know. What are we going to do about it this year? Another bout with the Atkins diet? Or will it be some new diet that is guaranteed to be a marketing success and a weight loss failure?

Weight loss is generally viewed as a simple math problem. Usually, we're given the old choice: We've either got to exercise a lot more or eat a lot less, but most dieters want to do neither one.

There is, however another option that most of us ignore with a passion. And that is changing WHAT we eat rather than limiting how much we eat. Specifically, we're talking about cutting out meats, eggs, and milk products.

That is the key that few of us want to use to unlock the weight loss riddle. More than being a problem of eating too much, weight gain is caused by eating the wrong kind of foods. Anthropologists point out that our digestive systems are not set up to be carnivorous. But since McDonald's and Pizza Huts even provide the food service in many public schools now--and have for some time--most of us find it hard to imagine life worth living without fast foods, fried foods, and junk snack foods.

We have been trained to eat the wrong foods and to expect someone else to solve the medical problems this creates. (And now, it looks like we will all be forced to buy health care insurance, whether we want it or not.)

Health care, as we currently see it practiced, is not the answer, though.

Until we are each able to see the part we play in allowing ourselves to be manipulated by advertisers to eat unnatural, unhealthy foods, we will not be ready to take the first step to permanent weight loss. Short term changes in what we eat, diet pills, and all the new crop of diet books will not produce the desired results until we learn to see how we have been duped by food processors and our government-subsidized industrial system of farming.

We need real food, grown in healthy soils, not colorful boxes of factory-farmed "foods" with minimal nutrients and maximal flavor additives. And, we need to stop eating animals and their by-products. The alternative is to continue to pay outrageous prices for continuing to eat as we do.

One option to the unrealistic expectation of converting the nation to organic farming methods overnight is to encourage everyone to supplement their diet with high-quality vitamin and mineral supplements. It makes sense that much of our overeating is an unconscious urge to get the vital nutrients that should be in our food but aren't, due to depleted soils.

If it seems extreme to suggest we stop eating meat, other animal products(milk, etc.), and processed foods, don't you think open-heart surgery, knee and hip replacements, kidney dialysis on a regular basis, chemotherapy, and Alzheimer's Disease are extreme, too? Countries where the populations live on simple, naturally grown foods, with little meat in their diets rarely get the diseases we do. We should learn from them.

If, as 45-year cancer researcher T. Colin Campbell tells us, our diet is responsible for 97% of the diseases we get, then it is up to us to stop offering ourselves up as prey for the health care industry. Change your diet and you can change your medical fate.

The irony of this whole milieu of sickness, obesity, and high health care costs is that we are doing it to ourselves by what we choose to eat. As soon as we realize that fact, we can start doing something to reduce our weight and our health care expenses.

As a happy side-effect, changing our unhealthy diet will take a huge burden off our environment and be a good example for the rest of the world.

Paul H. Kemp is an entrepreneur, writer, and amateur athlete.

For more information on how to reduce your personal health care expenses, while improving your health, visit his Web site: http://www.HealthyPlanetDiet.com

Top Companies Paint a Picture of Prosperity

Finance Minister Jim Flaherty traveled New York recently to tout the Canadian economy to potential investors.

As the recovery rolls forward, Canada's surging dollar and its comparatively low debt-to-GDP ratio, has given the country a "competitive advantage," Flaherty boasted to guests at a luncheon hosted by the Canadian Association of New York.

"The fact that we weathered the storm without having to put any taxpayers' money into the financial system or any of our financial institutions impresses a lot of people," he said.

The Canadian government's conservative management and policies have spared it from the types of recessionary damage that hit Europe and the United States. And as a result, Canada's economy has become a model for other countries, and a success story that Flaherty enjoys telling over and over.

Canadian businesses also have been generating plenty of good stories for Flaherty to spread. The five companies that head up Forbes' list of Canada's Top 40 have been awash in good news and numbers since the start of the year.

BIG BANKS THRIVING

The Royal Bank of Canada, which has the No. 1 spot on the Forbes list; and the Bank of Nova Scotia and Toronto-Dominion Bank, which are third and fourth, posted steep profit increases for the first quarter.

Royal Bank reported a profit of $1.5 billion, up $387 million or 35 percent from last year. It was the second highest quarterly profit in the bank's 146-year history. Much of the credit goes to the bank's business and consumer lending departments which generated much of the growth.

"These results reflect the strength of our Canadian businesses and demonstrate the value of our diversified business model," said Gordon Nixon, president and CEO.

It also puts the bank in the lead in terms of growth potential. With the Federal Deposit Insurance Corporation shutting down U.S. banks every week, Royal Bank has expressed an interest in acquiring several ailing U.S. institutions. In 2001, Royal Bank bought Centura Bank in Georgia, and in 2006, it took over FlagFinancial in Atlanta. Two years ago, the bank bought AmSouth Bancorp's 39 branches in Alabama. This time, however, the Royal Bank is holding back, waiting to see if U.S. lawmakers make good on a promise to tighten regulations and limit investment opportunities for lenders, a change Royal Bank managers oppose.

Scotia Bank's first quarter profits also added to Canada's overall picture of economic health. The bank reported a profit of $988 million, up $146 million or 17 percent from last year.

"We are still in the early days of the recovery, and we continue to carefully manage our businesses in order to achieve solid earnings and maintain a strong return on equity," said President and CEO Rick Waugh who added that Scotia Bank's greatest growth was in Canada and international retail and small business portfolios. Scotia Bank has been able to focus on strategic acquisitions while still delivering dividends, said Waugh.

The story is even more impressive at Toronto-Dominion Bank, which posted a record profit of $1.3 billion for the first quarter, nearly doubling last year's earnings. Canadian personal and commercial banking through TD Canada Trust jumped 23 percent while U.S. personal and commercial Banking rose five percent.

"These results display the earnings power of our Canadian retail business," said Ed Clark, President and CEO. "The record performance at TDCT shows that this incredibly resilient franchise is thriving despite the headwinds that continue to linger in the economy."

OTHER INDUSTRY LEADERS

The banks weren't the only businesses to do well in the first quarter. Manulife Financial Corp., North America's largest insurer, posted profits of $868 million and investors earned 51 cents on shares of company stock.

Although those figures were on the lower end of Manulife's forecast, they were in range, and more importantly, they were in black. In 2008, Manulife lost $1.8 billion, mainly with the U.S. arm of its insurance business.

"We have improved margins, balanced our product portfolio and demonstrated good investment results in the face of challenging market conditions," said CEO Donald Guloien. Manulife is now building its Asian market to ensure long-term growth.

EnCana, the largest producer of North American natural gas and the fifth company on Forbes Top 40 list, earned $1.8 billion in profits in 2009 despite the fact that natural gas prices were stuck at a seven-year low.

In November 2009, the company was split into two separate businesses: EnCana, which has announced plans to double natural gas production over the next five years; and Cenovus Energy, an integrated oil production company.

"While we recognize that the abundance of North American natural gas likely heralds a future of lower and less volatile gas prices, our operating practices, technologies and increasing efficiencies position us to continue to capture strong margins and to thrive in a competitive price environment," said Randy Eresman, president and CEO.

Meanwhile, Finance Minister Flaherty will head next to London to try and drum up investment capital for Canada. Despite his boundless confidence in the country's economy, he acknowledged there are challenges ahead. Unemployment is stuck at 8.2 percent and the national debt now stands at about $55 billion. Still, with Canada's wealth of resources, its banks and its businesses, Flaherty predicted a return to a balanced budget by 2015. "I don't like running deficits," he said.

Barb Taormina is an editor for Business Review Canada, a pioneering digital media site exploring energy issues and opportunities facing top executives, with revealing, intelligent news delivered daily. Among Business Review Canada's suite of media brands is the Business Review Canada magazine, an all digital publication that busy, on-the-go executives turn to for their monthly dose of thought-provoking, rich and meaningful reading.

Start Your Own Medical Billing Service

An aging American population and changes to Medicare regulations in the early nineties have produced a booming medical billing industry. Medical practices simply can't cope under the strain of increasing paper work and client enquiries. If you are looking for a skilled work at home career with the potential to pay the bills and much more, the medical billing industry is for you.

(Please note this article is made up of mostly U.S specific details, that is not to say that the industry doesn't exist elsewhere in the world or that the general principles of starting this job don't apply)

What exactly does a medical billing service entail?

Medical practices outsource all of their billing responsibilities to private medical billing services. Your day to day activities could any of the following:

Preparation of insurance company claims, both electronic and hardcopy Maintaining a practice's patient database Invoicing patients, both electronic and hardcopy Collecting co-payments from patients Tracking overdue accounts Answering patient enquiries Submitting reports to practices i.e. number of patients, bottom line etc.
What is required to start a service - experience, qualifications?

The medical billing industry makes use of a complex and ever changing system of codes. If you don't have any experience in the industry, its time to take a course at your local college or through a recognized home study program. When enquiring about courses or doing research, remember that the course you are after might be under another name than medical billing. Purdue for instance runs a Medical Specialist course which includes a module on medical billing.

Beware of scams, anything that sounds too good to be true usually is. Experience or a qualification is always required to start a medical billing service - all services take time to grow and attract clients. Any companies that advertise "no experience required" or "guaranteed client list" are scams.

What your medical specialist course should include

Make sure the course you take includes at least the following basic elements.

Basic medical terminology The insurance claims process Processing forms National diagnostic and procedural system Training for medical billing software Methods to handle denied claims Soft collection techniques CPT codes

Don't necessarily choose the cheapest course option available. Doctors are very weary of who they hand control of their billing too. A qualification from an established and recognized institution will go along way to created trust and increasing the reputability of your service.

Getting your service off the ground

To start your service you'll first need to setup an office, the following will be required: a computer, high speed internet connection, printer, medical billing software and a CPT coding manual. Most of your work will be done online so a high speed internet connection and a good billing program are essential. Also consider spoiling yourself with an LCD monitor, your eyes will thank you later! Don't forget to compile a basic business plan before setting up your service. Good planning can often mean the difference between failure and success.

There are numerous software packages available on the Internet, expect to pay at least $500 for your software and around $3000 to $5000 for the total business setup, depending on the course you take and equipment you purchase. Search online forums and social network sites like Digg.com for honest consumer reviews before purchasing a software package, the number of unresolved forum posts or negative user reviews will give you a good idea of each programs usability and features.

Marketing your new service

To be successful in the industry you will need at least six medical practices in your employ - typical monthly fees range from $800 to $1,500 per client. The good news is you'll only need to market your services in the beginning, once you have a full roster of medical practices marketing is no longer required. (This lack of marketing expenditure later on is part of what makes this career very profitable).

Market your services initially through direct mailers to doctors, cold calling and networking in the medical billing community.

Final word

Budget for occasional and ongoing education - medical billing is constantly changing so its essential to stay current with changes in the industry. Be on the look out for seminars in your area.

Andrew Misplon is co-owner of The Work Pad - Work at Home Ideas, Tips and Advice, a feature packed work at home resource site including ideas, tips and advice. The Work Pad offers a free Personality Profiler and free Time Profiler to help work at home entrepreneurs achieve their potential. Every article is written by our in house team of entrepreneurs and work at home business people - unique, timely content is always guaranteed.

Everything You Need to Know About the History of the Car

We frequently take for granted the fact that we drive from A to B every day. How would we cope without cars or alternative forms of transportation? People fared well enough without automobiles in the past, of course, but such has been their development over time that they have gained a role in our day-to-day lives.

The history of the car actually dates from as far back as 1769, when it became possible to transport humans in steam-powered automobiles. 1806 saw the appearance of fuel gas and the first cars to be powered by internal combustion engines, but it took until 1885 for modern petrol or gasoline fuelled internal combustion engines to be introduced.

It might surprise you to hear that cars with electric power actually made their first appearance in around 1900, but disappeared until now, when they have undergone a restructuring so that they can meet interest in zero or low emission transport solutions. Attempts were made for the first time in 1838, when an electric locomotive that proved capable of a speed of 4mph was built by Scotland's Robert Davidson.

The first attempts at making cars powered by internal combustion engines are said to have been hampered by insufficient suitable fuels, meaning that gas mixtures were used by the earliest engines. An internal combustion engine running on a mixture of oxygen and hydrogen, for example, was built by Swiss engineer François Isaac de Rivaz in 1806.

Particular progress was made in Britain in 1895 when one of the first four-wheeled automobiles to run on petrol appeared; the model was made in Birmingham by Frederick William Lanchester, who went on to patent the disc brake as well as the first electric starter. A national automotive industry had emerged in many countries within five years, but there were not yet any clear standards for vehicle controls or architectures.

A boom subsequently took place in the growth of the car industry, with many smaller firms taking on the challenge. The era's most widely produced and available car, the Ford Model T, entered production in 1908. Cars no longer had to be a mere novelty, but this was no indication that they were universally affordable either.

Various car designs have come and gone since then, with an attendant significant increase in their functionality. We invest in car insurance for our own protection, and are also assisted by satellite navigation systems, which some vehicles have built into them. Our cars come with temperature control, cup holders, electric windows and hi-tech stereo systems that are capable of incorporating our MP3 players and iPods. There has been a true advance in technology in the short period in which cars have existed, so who knows what future cars could offer?

Hannah Warder writes a number of articles on car insurance for MediaVest (Manchester).

Hospitals in Kabul, Afghanistan

Kabul is the largest city in Afghanistan and also its capital. It is the most developed city in this country. It is the main economic and cultural center of the nation, due to its strategic position in the middle east. After the long wars from 1978-2001, Kabul is trying to rebuild and redevelop itself, however attacks by militant groups are slowing the progress.

Kabul has its eye set on making an international mark and therefore makes efforts to bring about development in all fields inclusive of medicine and healthcare. The medical infrastructure in Kabul will take time to develop uniformly, but with the inflow of funds from foreign organizations and countries, the hospitals in Kabul are going on to become better. Most hospitals are public enterprises, privately controlled or set up by international health care bodies.

Without the slightest doubt, the hospitals managed by international health care bodies offer the best service. As for the other two types, the government sector hospitals have beds and equipment but due to a crunch in funds and understaffing, have not been able to develop as much as hoped. The private clinics are not very reliable since they are in no way, government monitored so the doctors charge exhorbitant rates. For basic treatment, tourists can approach any hospital but for specialized care the international hospitals are the best bet.

There are certain important points to consider before you depart for Kabul. Make sure that your health insurance papers are all ready and up to date since you will need to seek reimbursement later on. The passport and visa papers must also be kept handy so that they can be produced easily whenever you are asked for them. Many hospitals ask for these papers before beginning treatment. It is good to have a file covering your medical history if you have ongoing medical issues on your person as these are vital documents. If you get in touch with an international hospital language will not be an issue, but if you approach a local hospital, then there might be the need to arrange for a translator. In such a cases, contact your embassy.

The doctors accept payment in cash. They do not accept checks or credit cards. Make sure you collect invoices of all bills and medical costs you incur. The best known and most popular hospitals in Kabul are CURE International Hospital, ISAF German Hospital, the Shino Zada Hospital, DK-German Medical Diagnostic Center and the Imran Clinic.

Before you travel or move abroad, make sure that you and your family have quality medical insurance. Let Good Neighbor Insurance help you find the right international health insurance for your situation.

Road Legal Quad Bike Advice

A quad bike (or ATV) is a motorcycle with four wheels. They became popular from the 1970's and have shown an increased demand since then. Quad bike riding has typically been done off road, offering the rider an exciting and thrilling experience which can be compared to motocross riding. A new type of bike has emerged on the market over recent years and this is the road legal quad, a bike which conforms to all safety requirements so that it can be used on public roads. Why would anyone want to use an ATV on the road when they could use a car or motorbike?

They offer a completely different riding experience which is fun, convenient and easy to learn. An ATV is very cheap to run. On average it costs only £12 to fill up the tank (unleaded) and this can last for many miles. Quad bikes can reach high speeds just like motorcycles. A 250cc to 300cc model will do around 65MPH, more with performance upgrades. A quad bike has fast acceleration, is easy to get through tight spaces and insurance is cheap, depending on your age. Most road bikes being produced today can transport two people although you should check with the manufacturer prior to purchasing for specifics.

So you may be thinking what makes an off road quad different to a road legal quad?

Road legal ATVs must be registered with the DVLA, taxed, insured and have an MOT just like a car must have. The quad bike must comply with strict construction and lighting requirement, have mirrors, and display registration plates on the front and the rear. By law no person under the age of seventeen is permitted to use a quad bike on public highways.

Many people ask can I convert my off road ATV into a fully road legal quad bike? Well in reality yes you can, however this can be a very costly affair. It is not unusual for it to cost in excess of £500. In order for a quad bike to be suitable for road usage, the vehicle must go through the ministry test for homologation and SVA certification. Once tested it must be retested every three years by a certified member of transport.

Using an ATV on the road will require the rider to hold a full UK car licence or a motorcycle licence prior 2001. Although a full UK driving licence is suitable to ride a road legal quad on British roads, the user may not have previous quad experience and this is not actually required. It is strongly advised prior to using a quad bike on the road that you practice in a quiet area with no people around such as a private piece of land or an empty car park (if you seek permission).

Please be aware that quad bikes are a dangerous piece of equipment and require a patient mannerism to learn the basics of riding one. It is important to be safe when riding a quad bike is this is a dangerous vehicle just like any other. There is no law which states the rider must wear a helmet although it is strongly recommended for safety reasons. There are mixed views on whether helmets should be worn, what do you think? Do you think it should be the law or down to a personal choice? Whatever your answer, the helmet is a useful safety article. A helmet approved to United Nations standard ECE 22.05 is suggested for use in the EU. Many people wear eye protection, boots and suitable clothing on their quad bikes. This is important as you only get one life, so protect it as much as you can!

To conclude, ATV's are becoming increasingly popular particularly road legal quads. If you are planning on riding your quad on the road it is advisable to purchase a road legal quad. If you already have an off road quad it is possible to convert it into a road legal vehicle but you need to make sure you do this correctly and legally and it can cost a considerable amount of money.

If you would like to know more about specific quad bikes and their specifications please visit http://www.proppa.com/quad-bikes-474-c.asp

Adam Weaver
http://www.proppa.com

Green With Envy - The Colour of Your Car

When you look out onto the road; do you spot any cars in clad in garish neon, or are they mostly conservative colours and shades? Generally, as a nation, we are pretty hesitant about picking bright colours for our cars; the most popular seem to be blue, black, grey, and silver. But this doesn't mean that all cars follow this trend. What does the colour of your car say about you? Remember to find the best car insurance for your car - whether black on neon green - before setting out on the road!

Silver

You are among the majority if you drive a silver car. In fact, silver cars were ranked the most popular colour in the first part of 2009, taking up to 25 per cent of sales. It is a common sight for executive cars to be produced in silver shades, as well as other expensive looking cars. The great thing about silver is that it is a safe shade; it doesn't show the dirt that white does, and it doesn't stand out too much from the crowd.

Blue

Blue is currently the second most popular colour when it comes to cars, but according to statistics, blue used to be the most popular choice. So even though it has lost out to silver, it seems as though people still enjoy a refined burst of colour on their cars. Luckily for the masses, blue can range from dark to light, and can be presented in everything from matte to metallic.

Black

You could say that black cars are related to silver ones. Just like silver, black is seen on executive cars, but also features on many a limousine. You might also associate black cars with a high price tag, as it tends gives a sleek appearance to vehicles like the notorious Range Rover. Due to demand, black cars (in good condition) should be easy enough to sell on.

Red

Did you know that red is the fifth most popular colour of choice for cars? While red can be perfectly suited to some cars, it does not work so well on others. Ferraris for example, are often known for their appealing bright red appearances; on the other hand, could you imagine top celebrities trying to blend in while in a red Bentley? The main reason red suits some cars is because the designer may have had a particular colour in mind when the car was in its design stage.

Bright colours

Research shows that 1 per cent of men, and 3 per cent of women, believe colour is important when choosing a new model of car; so apparently colour isn't one of the most essential decisions when acquiring a new car.

However, the chances are this percentage would change if these people were offered a purple BMW or lime green Audi A5! Despite this, some bright colours are suited to sports cars and those with outgoing personalities. If you are about to invest in a bright pink Corsa, you might want to keep in mind that you may get a few raised eyebrows as you drive past...

[1] The AA. (2010). Which colour? http://www.theaa.com/motoring_advice/car-buyers-guide/cbg_colour.html

Hannah Warder writes for MediaVest Manchester on a number of insurance related topics, including car insurance.

I Read It, I Get It, But I Refuse To Accept It - A Survivors Response To The IARC Report On Cancer

Whenever anyone shows up to the party with bad news I always question the news they bring. Some people are like that, they really don't wish to see anyone having a good time so they tell you about the orphanage that burnt down or how bad the economy is or how bleak our future looks.

When the persons doing the talking are supposed to be the experts on the subject you are almost forced to take what is being said for granite. Thus what you have is optimism being oppressed by reality, a truly sad state of affairs.

Such is the case of the International Agency For Research on Cancer (IARC) and their report on the 20 year outlook for cancer fatalities.

The IARC is I believe an arm of the United Nations. ( No not where all the superheroes live, that's the justice league.) The article came out of London last week and boldly states that fatalities from cancer will double by the year 2030 with my arch nemesis, lung cancer, leading the way. Here's a startling little fact for you from the article, in 2008, lung cancer was the most commonly diagnosed form of cancer worldwide at 1.61 million cases. Lung cancer also accounted for the most fatalities at 1.38 million. Let's see a little quick math and that's roughly a 14 % survival rate if you are a true optimist. The overall figure of all cancers combined for 2008, 12.7 million diagnosed with 7.6 million fatalities. Now fast forward twenty years and we are faced with a staggering figure of 21.4 million worldwide cases along with 13.2 million fatalities.

If the director of the IARC, Christopher Wild, has provided us with his best assessment of the future then he is no longer invited to the party.

The research done to provide such a report I'm sure was completed by highly intelligent people, probably a panel of experts, top scientists, researchers, doctors, people who's walls hold many more plaques and certificates then mine ever will. Now let me tell you why I cannot accept their look into the crystal ball of our future.

As a current lung cancer survivor, I sometimes replace rational, practical thinking for straight passion in what I do and what I believe in. When I read a projection of this nature, it is a direct assault not only upon me but against every cancer group and organization worldwide. It's an indictment against who we are and what we stand for. If you are going to stand up and say, "Sorry, every mile you walked, every minute you've volunteered along with every dime that you have ever raised or donated to fund one of the many worthy cancer organizations or institutions that provide research that are out there was for nothing." Are you attempting to convince me that in a world of the future we have made no advances in the treatment of various cancers. Is what your saying to me and every other person, family, child, loved one on the face of the earth that we still have no answers, no cure, in fact it is getting worse? Are you telling me that the scientists and researchers who have dedicated their lives, spent the long, long hours in the laboratories the world over have lived a life in vain?

Why would I accept any of that? You might as well try to convince me that fighting for survival was not worth the fight.

The Human Factor.

Whenever I hear the phrase the "The Human Factor," it seems to be meant to conjure up that "We just could win this thing feeling." The feeling that even against overwhelming odds the human spirit will find a way to overcome and be successful. In this instance I believe the human factor has a darker idea behind it. It would seem to me that if we cannot reduce the fatalities from cancer in the future then the human factor is in play. In this case it would mean that the people who benefit more by us not finding a cure have won and are keeping the status quo meanwhile continuing to profit from overpriced treatments and medications billed on your behalf to insurance companies that are happy to pay it and then just raise the patients premiums to pay for it. A finely greased money machine. Let's face it there is plenty of money to be made at the cost of someone else's misery and if someday an executive should happen to find themselves battling a severe case of guilty conscience, Well, we feel bad for old Charlie, but Betty is waiting in the wings to keep the machine running please pass the torch.

If there are no significant advances made, you can bet your bottom dollar it's because curing cancer is not cost effective.

So if the human factor comes into play as it has over the past twenty years then what are some other things that we might have to look forward to in 2030?

To change our future some thing would have to change today. Before we start to discuss the need for alternative energy sources, health care, recycling, food and water safety, we must first discuss a fundamental change in the way we conduct business, starting at the top and working backwards.

First all lobbyist should be removed from the political system and anyone who has taken large amounts of lobby money from places like oil companies should be removed from office. So take the money and the special interest groups out of the politics and your left hopefully with people making decisions based on what is in our best interest. That would be a great advancement for our society.

In the future if we could change the current human factor thought process from "the one who dies with the most stuff wins," to "the one who gives back the most stuff wins," wouldn't that help brighten the future?

In the future, one day, what if we realized that just because we can afford to super size our meals,does not mean that it is in our best interest to do so.

What if in the future we outlawed plastic containers? No more water bottles, plastic storage devices, plastic food containers. Lets go back to glass. Why, you ask. For what's left of our environment. How about this, so we do not continue to add to the floating country the size of Texas that is made up of plastic garbage that has been dumped in the ocean where it gathers in the pacific out of sight out of mind. If you are not aware of this do some homework. If it's Texas sized now, in twenty years what will it be?

In the future if we took a step back and once again began growing our own food at least enough to supplement some of what is being purchased, could we not begin to alter the effects of all the chemicals placed in our food? Bring back the family farm and you will re grow strong communities, teaching our children how to be self sufficient and live a life based off of being good neighbors and not what some mindless bimbo is doing on reality TV. If you grew corn and your neighbor grew wheat maybe you would take the time to get to know them again and arrange a practical arrangement, without the fear of being sewed for stepping on their property.

With a change to the current "Human Factor", maybe we would have a universal healthcare system in this country like the rest of the civilized world. Maybe the wellbeing of each citizen would mean enough to us to disband the health insurance industry altogether and restructure the way the health system works.

Twenty years from now if we changed our thought process from being disposable consumers to being people more in tune with the world around them willing to give up a little in return for a better not necessarily easier life, would we see the results of that effort in our lifetime? Would our children or grandchildren?

Twenty years from now, will having it all, still mean the same thing? Or will decades of having it all finally have caught up with us and forced us to change what we were so unwilling to change when the decision was ours?

One of the greatest things about the country we live in is that we have the freedom to alter our future by simply opening our eyes to the present and as individuals making the necessary changes to our lifestyle, not necessarily the easiest changes to improve our life and health.

Twenty years is the blink of an eye, twenty years passes like the moon on a warm summers night. We could have such an impact in twenty years if we chose to. We could commit to alternative fuel sources, we could eliminate things from our lives that destroy our environment. We could change our eating habits to become healthier. We could change our buying habits to fit a lifestyle that doesn't end up being our downfall.

Twenty years from now we could reduce the cancer fatality rate by twenty five percent and we could do it without the need for new toxic remedies or even finding a cure after the cancer cells have been activated. Many of us talk about it all the time. I am constantly seeing articles referring to three things. Proper diet, exercise, natural vitamin sources. But the fact of the matter is this, you are probably reading this article and others like it because you have a connection to cancer already either you yourself have been effected or someone close to you. You are likely to already be aware of the effect of proper diet on the body, It is getting information out to everyone else who have not been directly effected but could easily find themselves as statistics twenty years from now.

Here's how you can have a direct impact on the future, help those who have not had a direct cancer impact, understand how to help themselves avoid it.

Cancer once it has begun, once the cells are active and spreading is unpredictable at best. Lung cancer is so lethal of a killer that it claims over seventy percent of those diagnosed. If we do not change some things right away, then I'm afraid that the U.N. report will be dead on accurate (please forgive the poor choice of phrase)if not understated. But the things that need to be changed need to come from each one of us. We have to be the ones who take charge of our lives, if we are waiting for the government to intervene then we are fools. If we are waiting for large health care or pharmaceutical companies to save us with a mystical cure, It is not in their best interest to cure it, just find new and expensive ways to treat it. Our best chance for a cure seems to me to be found on one of the many college campuses where research is performed. Of course the fear being that a cure will be found and then tied up and obscured in the red tape world we live in. A cure for cancer, is going to cost some big businesses a whole lot of cash when discovered.

Let's talk about that way to reduce the fatality rate. Cancer cells have the capability of killing you once they become active and begin to multiply and spread. Cancer cells are present in everyone's body but they are held at bay by our immune systems. It is when we have a fundamental breakdown in our immune systems that the flood gates open for the multiplication of cancer cells.

If you allow enough cancer cells to gather and that's when you have problems my friend. Now pay attention please. The best way to reduce cancer fatalities, the best way to fight cancer.....avoid it. You cannot avoid having bad cells in your body, what you can avoid is letting your immune system go to hell and opening yourself up for an attack.

For the future, let's just concentrate on what we know and what we can control. First of all, you can greatly reduce many life threatening illnesses including cancer by keeping your bodies ph balance level. If you began today to make healthier dietary choices and began to reduce your intake of fast foods or questionably prepared foods you would be taking a step in the right direction. If you started questioning where the meat you purchase comes from, how it is raised, how it is prepared for market and what type of chemicals are used in raising it, you would be making a step in the right direction. Farm fresh does not substitute for organic. I believe and I'm not alone, that the immune system is effected greatly by our intake of various chemicals in our industrial farm produced foods. Take control of what you eat. Reduce the amount of coffee you drink maybe supplement green tea for coffee. You need to find ways to reduce the amount of acid you are adding to your body. Cancer cells thrive in an acidic environment. Meat is also a high acid contributor which is why fish and chicken are considered better for you then beef and pork.

Vitamins, minerals and anti-oxidants are vital to helping grow and unleash the cells in our bodies that kill things like cancer cells keeping them in check.

Exercise and sunlight, these two things can not be understated. Unfortunately, we have found a way to make exercise a multi billion dollar industry and we as a society have changed the definition of exercise to joining a gym or buying a ton of equipment. Let me help you out with this, walk, learn some deep breathing exercises, cancer cells cannot thrive in an oxygenated environment. Walk and preferably take a walk in the sunshine, the body needs sunshine it helps keep everything in check. What else does the body need? Water. We are organic beings and if you look at it in that manner, Sunshine, water proper intake of minerals avoidance of harmful toxins. Couple some dietary alterations with finding ways to reduce stress in your life and your well on your way to avoiding becoming a 2030 statistic.

If in places where it were possible we could alter our over eating and poor choice eating habits I think we reduce cancer as well as other major disease fatalities greatly. If we remain too busy to care, too busy to teach our children better habits, too busy to stop and look at the world we have forged for ourselves, then I am afraid that everything will be in vain. I'm afraid we will visit a future where over thirteen million people dieing from cancer alone will be just a small piece of a much larger problem.

I am not asking you to donate money, I'm not asking you to walk a marathon. I'm not asking you to completely change or live your life afraid that the sky might be falling. What I am asking for is that you open your mind to finding better ways to live in the future by making small changes now starting with your health and the health of the people you are responsible for. Then let's look at the way we do things, the way we govern ourselves and our actions and the things we need to do to reduce cancer by fifty percent in the year 2050.

Tim Giardina is the co-founder and President of the GFLCCO as well as a current small cell lung cancer survivor. The GFLCCO is developing a World Wide network of supporters with facts and information regarding lung cancer, lung cancer treatment, proper diets and exercise and alternative medicines and treatments as well as valuable links to a deep pool of resourses for patients and their families. The primary function of the GFLCCO is to support Scientists by funding research for a cure. If you would like to learn more about the GFLCCO, need information or support or would be interested in reading more of Tim's work, please visit us at http://www.gflcco.com. We are a non profit organization that also relies on the support of others to carry on with our work, if you find our site useful, your support would be greatly appreciated.

New York Times Turns on Obama - Can Flyover Country Be Far Behind?

The new test of liberal political ideology seems to be, not whether you favor Obama's health care plan, but how long it takes you to realize what a disaster it is.

The American people were, as usual, first out of the gate to demonstrate their common-sense conservatism.  Although a slim majority voted for Obama in November, a growing preponderance has been telling pollsters they disapprove of the President and his handling of health care.   On Sunday, Rasmussen reported that Obama had reached a new low in their Presidential Approval Index, with health care one of his lowest-rated issues.

Like a teacher indulging a failing student's pleas to find a way to give him extra points on his test, the Congressional Budget Office has spent all summer admonishing Obama for presenting legislation that will be more expensive than advertised, produce no savings, and yield expanding and unsustainable deficits for the next 10 years.  ("Now, Barry, I've already given you all the credit I can-next time you'll just have to try harder.")

The Mayo Clinic, which Obama cites as a model for cost-cutting measures, called the Medicare payment model proposed by Congress a "catastrophe."

Seven state medical associations banded together with private medical societies and two previous AMA presidents in a letter to the President opposing the legislation.  The American Hospital Association is imploring hospital directors to counter Congress's bill, as are specialty associations such as the American College of Physicians.

John Mackey, CEO of Whole Foods, penned an op-ed in the Wall Street Journal cataloging the myriad flaws in Democrats' proposal.

After Obama insulted the Postal Service in his quest for a bill, the National Association of Postal Supervisors wrote Obama a letter expressing "our collective disappointment that you chose to use the Postal Service as a scapegoat ...  [I]t was a kick to the chest to have you take a shot at a group of federal employees who are working hard every day to support this country."

Pseudo-moderate network CNN recently chronicled "Five Freedoms You'd Lose in Health Care Reform," including the freedom to negotiate details of your plan, cut costs by living healthier, choose a high-deductible plan, keep your current plan, and select your doctors.

The Associated Press fact-checked Obama's claims and called him out for continuing to tell the same lies: e.g., if you like your health insurance, you can keep it-the implication being that you can keep it for as long as your employer and insurance company would otherwise have offered it without government health care, which is outlawed in Congress's plan.

The Washington Post, no friend to conservatives, has been barraging readers with columns opposing ObamaCare.  Columnist David Hilzenrath affirmed that the administration would not be able to ensure that employees can keep the plans they have now.  Martin Feldstein explained that the 85% of Americans who now have insurance would pay higher taxes and receive fewer services.  Maya MacGuineas ridiculed the administration's pledge that it can add an expensive new health care plan covering millions more Americans that will cost no extra and actually alleviate the budget deficit.

The Post's editorial board also reminded the administration of the CBO's harsh projections and warned him not to treat these lightly.  In a separate editorial, they scorned Democrats' stubborn, mindless fixation on a public option.

Obama's own Hyde Park doctor suggests that Congress's legislation is worthless and adds of his patient, "I'm not sure he really understands what we face in primary care."

In the workers' paradise to our north, the current and incoming presidents of the Canadian Medical Association recently bemoaned the failures of Canada's universal health care system, calling it "sick," "precarious," and "imploding," and urged Canadian doctors to support free market reforms to the system.

The artist of the Obama "Joker" poster, Palestinian socialist and Dennis Kucinich supporter Firas Alkhateeb, admitted, "[Y]ou had all of these people who basically saw him as the second coming of Christ.  From my perspective, there wasn't much substance to him."

Air America host Christiane Brown decried Obama's reversal of his promise not to bar negotiation for lower drug prices, then purred, "He's such a charming liar, though.  He's such a nice guy when he lies like that."

On Sunday, Senator Joe Lieberman, who caucuses with Democrats, said he's changed his mind on proposed legislation and urges postponing it until the economy recovers.

Now The New York Times has gotten on the bandwagon; you might say they finally have some "skin in the game."  Times reporter David Pear reported a few days ago that there is, after all, a legitimate basis for elderly Americans' fear that legislation will lead to rationing of health care.

Paul Krugman criticized the President's priorities, belittled his dwindling ability to inspire confidence, and lamented that "his speeches and op-eds still read as if they were written by a committee."

Bob Herbert scolded Obama for not explaining why a gargantuan new government program is in our country's interest in the middle of a recession: "Many sane and intelligent people who voted for Mr. Obama... have legitimate concerns about the timing of this health reform initiative...  [He] has not been at all clear about how the reform that is coming will rein in runaway costs...  [P]eople are starting to lose faith in the president."

I'm glad the Times is finally starting to see the light on Obama's executive inexperience and his disastrous agenda.  Maybe now millions of Middle Americans who hang on Krugman and Herbert's every word will develop more confidence in expressing their opposition at all those town hall meetings I keep hearing about.

http://www.scottspiegel.com

Fire Safety - How to Prepare Yourself

Though fire safety might not be high on your priority list when you move into an apartment, it's not something you want to regret at a later date. The findings of the National Fire protection Agency (NFPA) reveal some startling statistics; in 2009, U.S. fire departments had to tend to 362,500 home fires, which caused approximately $7.6 billion in damages. These fires claimed 2,565 lives and injured more than 12,650 people; sufficient evidence that fire safety should be taken seriously.

Facts Cooking remains one of the primary causes of home fires as does smoking. Often people fall asleep leaving food to heat on the stove which leads to a fire. A stray cigarette butt not extinguished properly, electrical malfunction, overheating and charcoal or paper burnt indoors are other common reasons for fires starting at home.

A fire needs heat, oxygen and fuel to start and sustain; and once a fire starts and heats up an area, the heat will cause the fire to spread very quickly, often much faster than you can estimate. A home has sufficient amounts of all three; clothes, wood, food, paper, everything is inflammable. The best thing you can do during a fire, of course for your safety, is to run out of the house immediately.

According to the NFPA study, in almost 40% of avoidable fires, smoke alarms weren't installed, while in 23% cases they didn't have batteries or they were disconnected. False or nuisance alarms are the leading causes of smoke alarms being disabled. The first step towards fire safety therefore is to check your smoke alarms to make sure they are activated at all times!

The study also revealed that the winter months of January, February and March are the peak months for home fires, possibly due to the higher indoors temperature through fireplaces and heaters.

Fire safety- preemptive measures:

Create an escape route - Does your home have an escape route? When short listing a house, if it is on a higher level than ground, make sure it has some kind of an escape route. If it doesn't, ensure fire safety by installing an escape ladder. In case of a fire, you might have to take a call whether you want to stay indoors and risk being suffocated, or jump down and risk breaking a limb. An escape route makes it easier not just for you to leave but also for rescue personnel to enter burning premises that might have blocked doors and save crucial time.

Smoke Alarms - Check your smoke alarms atleast once a year to see they are working properly; change batteries if needed. A smoke alarm on each level of the home is important and it is best they all are interconnected. According to the NFPA, smoke alarms are the best form of fire safety as they cut the risk of dying in a fire by half! Most smoke alarms have a limited life and need to be replaced every 10 years, a fact people sadly tend to ignore.

Store and discard any inflammable material properly - Ensure fire safety by storing inflammable liquids like kerosene outside the house in metal containers; dispose of ash and other waste in a steel bin away from the house.

Adequate ventilation and proper wiring- Make sure the house has adequate ventilation since burning fuel produces deadly fumes. Check your pipes from time to time to ensure there is no carbon buildup. Clean chimneys and exhaust systems atleast once a year before the onset of winters for optimum fire safety. Ensure all doors and windows at home open and close properly, and all electrical fixtures are wired properly and well covered. It has been found that electrical failures or malfunctions result in almost 50,000 fires a year.

Sprinkler systems - having a sprinkler system in close proximity to your home structure makes it easier to battle a fire immediately. Once again, make sure it works! Some home insurance companies give you discounts going up to 20% on your rates if you install the right combination of smoke detectors, and sprinkler systems in your house. That just goes to show the importance of both these fire safety measures.

Lastly- compile an inventory of your household stuff and valuables preferably along with photographs so that in the event of any fire damage, you have no trouble claiming from your home insurance company.

As per *NFPA findings, in 2008, the fire department was responding to fires in homes almost every 82 seconds; approximately 8 people died in home fires every day while a person was injured in home fires every 40 minutes. Remember stuff lost in a fire is replaceable while lives are not. Educating yourself and taking the right steps to ensure fire safety can protect you and your loved ones in the event of an unforeseen mishap.

Bethany Collins is a Work at Home Mother (WAHM) who lives with her husband and two kids. She loves to read and surf the internet looking for new money saving tips, recipes, etc. In her spare time she writes on personal finance [home, life and car insurance, budgeting, and other investment options] and grows organic vegetables in her small vegetable garden.

Drive-Thru Health Care

With all the negative talk about the health care industry these days it's easy to overlook some very important, highly positive aspects - namely, advances in medical technology. Americans are living longer today than anytime in our history. Advances in modern medicine have made the seemingly impossible - possible. Technology has improved laboratory testing; allowing for the development of CT scans, MRI's, and PET scan imaging to improve diagnosis accuracy. New advancements in treating heart disease have made it possible to treat a potential heart attack within minutes rather than hours.

Hospitals have highly trained and technologically savvy medical professionals available a round-the-clock to treat patients. Cure rates for critical illnesses are up. The pharmaceutical industry has produced a myriad of new drugs to effectively treat anything from high cholesterol to reducing the effects of clogged arteries. There are drugs for treating impotence, depression, high blood pressure, osteoporosis and anxiety. Successful organ transplants and joint replacements have increased the quality of life for countless Americans. These are all some amazing advancements that each one of us should be grateful for.

However, these modern miracles have created an unhealthy level of expectation with so many Americans that wrongly think we can have our cake and eat it to. It's gotten to the point where Americans act as though they're going up to the drive-through window to order their health care. It might sound something like this, "may we help you sir/madam?" "Yes, I'll have one upper GI and a lower GI, I'd like 5 different inhalers to improve my lung function so I can continue to smoke. I'd also like to order an MRI and why don't you throw in a CAT scan while you're at it! Let me get the gastric by-pass surgery to. One knee replacement and my usual 30 day supply of high blood pressure meds, anti-depressants, anxiety medicine and my purple pill for acid reflux - to go please". "Will that be all sir/madam?" "That will be all for now".

I don't mean to sound flippant about such important matters. Really, I know how vital these advancements are to changing the lives of some many. However, we're under some kind of illusion that we can have such a high demand for all these amazing wonders in medical science and not have costs spiral out of control. Our Government is making a promise that they just can't keep. We can't possibly stay on our current course and be able to effectively reduce health care costs. Furthermore, if we stifle advancement in the medical community by a massive government takeover then the only result will be to reduce the level of advancement.

The other myth that we fall prey to is that we can reduce the cost of health care without making any personal sacrifices to our current lifestyle choices. If we don't become a national that values health and wellness again we can forget about making any real and sustainable impact on our nations health care costs. Obesity, for example, is related to so many controllable and preventable medical conditions. We need to take more personally accountability for our own health and well-being and stop looking to the government or the medical profession to take care of us from cradle to grave and start with making right lifestyle choices today. No one will look out for you better than you!

Bob Knauss has worked in a sales and marketing capacity for over 20 years in roles that include both sales and sales management. During that time, he was involved primarily in the human resource outsourcing service sector. He has an extensive background in benefits administration and earned a BS in Marketing from DeSales University. He founded Employee Employer Solutions in November 2008 with a passion to serve the small business community by establishing the mission of making the complex world of employee benefits understandable.

An Apple Juice A Day May Keep Asthma Away In Texas

Researchers have discovered that kids in Dallas, Houston and the rest of Texas who drink lots of apple juice may be less likely to develop asthma symptoms. The National Heart and Lung Institute research is the latest to issue a study linking apples and individual human health.

The study found that children who drank apple juice daily were half as likely to suffer from wheezing as those who drank it less than once a month. The study concluded that eating fresh apples themselves gave no apparent benefits to children.

Researchers studied five to 10-year-old schoolchildren in the Greenwich area of London, asking parents about their child's fruit intake and any symptoms the children suffered. While there was no link found between apple juice consumption and a reduced chance of an actual asthma diagnosis, there was a strong link between wheezing and drinking the juice.

The appearance of wheezing symptoms is one of the most important signs that a child is at risk for asthma, although many children with the symptoms may not be diagnosed with the illness. There was a similar, but not as strong a benefit found for children eating bananas at least once a day, compared with less than once a month. The apple juice involved in the study was not fresh apple juice. Long-life juices made from apple juice concentrate were equally as effective.

Dr Peter Burney, who led the study, said that it was possible that "phytochemicals" in apples, such as flavanoids and phenolic acids, helped to calm the inflammation in the airways, which is a key feature of both wheezing and asthma.

He said it currently isn't clear why a link between eating apples themselves and reduced asthma symptoms -- already spotted in adult studies -- didn't appear among the children in this study. "Further studies are needed to confirm the protective effects of apple juice and bananas," he said.

Dr Mike Thomas, an Asthma researcher at the University of Aberdeen, said that the study was further evidence of the protective effect of apples.

Recent research from the university suggested that women who ate a diet heavy in apples during pregnancy were protecting their unborn children against asthma. "There is some evidence that a healthy diet rich in anti-oxidants and vitamins is good for asthma," Thomas said. "It is yet another reason why we should be encouraging a healthy diet."

Other recent studies suggest that apple consumption can help control weight gain, lower the risk of heart disease and fight cancer. And though most people think the flesh of the apple is the most delicious part, the skin is actually the most nutritious.

Apple skin contains 4 milligrams of quercetin, an anti-oxident compound that prevents oxygen molecules from damaging individual cells, which can prevent cell changes that could lead to cancer. A Finnish study recently showed that men who had a high intake of quercetin lowered their risk of

heart disease by 20 percent. This compound has also been shown to inhibit the growth of tumors and keep cancer cells from spreading.

The insoluble fiber found in apples has a host of other benefits. The apple skin is considered roughage and is a great remedy for constipation. Insoluble fiber also helps the digestive tract run smoothly, helping prevent diverticulosis, which is a condition that can lead to colon cancer. Another benefit of apple's insoluble fiber is its filling effect, which is an appetite suppressant.

Apples also contain soluble fiber, which forms a gel-like material in the digestive tract that can help lower cholesterol, as well as stroke and heart disease risk. One of an apple's more well-known soluble fibers is pectin. Pectin reduces the amount of cholesterol produced in the liver, slows both digestion and the rise of blood sugar, making it ideal for diabetics.

As you'll discover, what you put into your body will affect your health. And your health, good or bad, will eventually affect your bank account as well.

Precedent puts a new spin on health insurance. Learn more at [http://www.precedent.com]

Protect Your Design Business

Do you know how to protect your creative ideas and the income from them? Do you know how to protect yourself and those who work with you? What about legal responsibilities? Here are some ideas: use them to kick-start the personalized advice you get and the steps you take. Ensure sources of advice and information are properly qualified.

Protect reputation, premises, equipment and people

Precisely what insurance you should get depends on regulations in your country and what type of business you run. But here are several types of insurance commonly held by businesses: professional indemnity; employer's; negligence; fire and theft; buildings; contents; and public liability.

Unbiased information and advice is provided by many organisations, including Chambers of Commerce, reputable business advice websites and professional associations* (see the end of the article for a short list of associations). It is often possible to get discounted insurance through professional associations.

Protect ideas

The most obvious example for a designer is copyright. To help prevent problems, discuss in advance what is your intellectual property (IP) and what is your client's. Organisations including Chambers of Commerce and professional associations often offer workshops or fact-sheets on understanding, and protecting your IP. Specialist IP lawyers also provide advice.

Protect time and money

Assumptions and confusion can sour a promising relationship between a designer and client, and could involve issues like number of revisions included in a job price, amount of time in discussions with the client, acceptable payment timeframe - and many more. Agreeing things in writing before any work starts, perhaps in contract form can help.

Organisations including Chambers of Commerce, professional associations and lawyers usually offer information or advice on this. There are also websites with template contracts, these vary in quality and which country they apply to, but can be a useful starting point.

Protect yourself and other people

You need to understand relevant business law in your country and ensure you comply. Typical areas include premises, equipment, noise levels, chemicals and activities. People who work solo at home, are lone workers, which has its own risks. The government departments in your country that deal with Health and Safety, business, trade or industry often produce easy-to-understand information and advice.

Protect your home and other assets

In some countries the legal type of business formed, for example working solo as opposed to creating a company, affects the level of protection individuals have should a business be sued or fail financially. Organisations including government tax departments, Chambers of Commerce and professional associations often offer information or advice on this.

Protect your money and the tax-man's

You must keep financial records of your business that are in-line with the regulations in your country. Obviously your government's tax department can provide information & advice on this. Chambers of Commerce & professional organisations can also provide information. Don't worry about this, it's usually more simple than you might think!

The great news about keeping financial records, is that many expenses which businesses incur can be used to legally reduce tax payments. Tax departments offer information and advice on what will apply to different businesses. They often provide factsheets and sometimes workshops (which can be good places to meet other business owners and potential clients). Chambers of Commerce & professional organisations can also provide information.

Because business taxes are often paid some months after earning business income, many sources of advice recommended ensuring enough money is saved to pay business taxes, social/national insurances and any other taxes or levies that apply. Sources of advice often suggest saving 25% of your business income.

Protect yourself and the whole business

If you're working for yourself, you must comply with legal business responsibilities in your area. These vary according to your country and type of business. It wouldn't be sensible to think that ignorance of the law would protect anyone. Chambers of Commerce, local government, tax departments, government business departments, professional associations and lawyers can be good sources of information and advice.

* A small selection of professional associations for designers and other creative people

American Institute of Graphic Arts, NZ Institute of Professional Photographers, Chartered Society of Designers, Designers and Art Directors, Australian Graphic Design Association, Association of Photographers, Association of Web Design Professionals, etc.

Use a search engine to find an organisation in your area that fits your needs.

Mhairi Gordon helps design-business-owners and creative freelancers become more profitable and more fulfilled. Get her free eCourse for new design businesses "Designers StressFree StartUp", plus a gift subscription to her Design Business Success eZine at http://www.suitfreebusinesshelpfordesigncompanies.com

Expectations Versus Reality in Retirement

As we baby boomers approach retirement many of us have started to take a much closer look at what we will need in the form of assets if we are to live to the age of 80 and beyond. Most of us have been very focused on accumulation of assets up to this point and may not have stopped to consider what the future outcomes might look like.

We all have had expectations of what our accounts might look like and some of us have had those expectations dashed by market corrections or other financial setbacks. I think it is time that we took a close look at what other expectations we have for the future versus what reality might spring upon us. If we are to be successful in our own retirements we should move toward it with our eyes wide open and our plans firmly in place.

What follows is a short examination of five areas that each of us should prepare for and a few ideas that might help you improve your chances of success. Some of this might appear to be doomsday like but I think we will all be better off if we prepare for the worst while expecting the best, so let's dig in.

Expectation #1: The stock market will continue to provide above average returns well into the next decade.

We know that investing in the stock market has produced the best chance of growing our assets at rates that beat inflation and other fixed money instruments over time. If you stay invested you will always get the average market return for the period you are in the market.

One thing we can say for sure about the markets, though, is that they will never go straight up or straight down. We tend to see periods of growth and periods of stagnation. In the short-term no one can predict whether you will make or lose money but we know that over the long term (10 plus years) you will get whatever the markets return.

The danger for us going forward is that when we start taking income from our investments, every negative year will shorten the lifespan of our potential income stream by as much as 5 years or more. If we want to live comfortably to ages of 85 or 90 we will need more predictable returns than those odds will give us.

Are you willing to bet that the markets will perform the way you want them to when you get ready to retire? I don't think any of us is willing to take that bet and that is why more and more of us are looking for instruments that will guarantee us a minimum return and lifetime income streams with the money we already have accumulated. A little research on your part should yield some good choices for those assets you can't afford to lose.

Expectation #2: I will be in lower tax bracket when I retire.

I am sure you have been told this by every planner or investment professional you have ever talked to. They all encouraged you to fully fund your IRAs and 401ks because of the current tax deductions and the tax deferred growth with the promise that when you retired you will be in a lower tax bracket. I have conducted seminars for over 5 years now where I ask the question of my audience, "do you think future tax rates will be lower, the same or higher"? I can count on one hand the number of people who said lower or the same. When you look at our country's current level of debt along with the future liabilities for our major entitlement programs (which we will look at next) I think you too will be hard pressed to think your taxes will even stay the same going forward, let alone reduce.

Whatever your current tax bracket is, can you imagine living on less than you are today? If your income stays the same and your deductions disappear because your kids are gone and your home is paid off, what chance do you have to reduce your tax burden? The reality is that during a 20 year retirement, if you have accumulated all of your retirement assets in tax-deferred accounts, you will pay 10 times more in taxes than you saved in taxes over your lifetime, assuming no tax increase. Every increase in taxes going forward will mean you will need to take more money out of your savings to maintain the same lifestyle.

One way to solve this dilemma is to start funding a private tax-free retirement plan using an insurance product that is linked to a market index and designed to provide maximum cash accumulation with a minimum death benefit. This product is known as equity indexed universal life. Here again, a little research on your part will reveal multiple, high quality companies that currently offer these products.

Expectation # 3: I can count on Medicare and Social Security to be there for me like it was for my parents.

The reality is that both of these programs are in trouble and will only get worse as the 80 million baby boomers enter retirement. Ask anyone under the age of 40 if they think Social Security will be there for them and you will soon see that this reality is already well entrenched in our culture. The facts are that 60% of current retirees say that 50% of their income currently comes from Social Security, 34% say that it is 90% of their income and 22% say that it is 100% of their income.

By one account, it is predicted that by 2019 Medicare will consume 24% of all tax receipts and by 2042 it will consume 51% of all taxes collected.1 If you think universal health care will solve this problem, you must realize that Medicare is a form of universal health care and anything that will replace it will be burdened by the same reality of baby boomers living much longer in retirement than their parents ever did.

As for Social Security, it is predicted that the Social Security trust fund will begin be tapped into in 2018 and be completely depleted by 2044.2 If we had made changes to this program years ago we might have been able to extend it but I don't see any congress willing to touch this problem until it is too late.

The bottom line is that benefits will need to go down, we will need to wait longer to be eligible and taxes will need to go up to pay for the massive increases in cost that will result from the higher usage figures projected. We are going to have to become responsible for our own retirement planning and should these promised benefits materialize for us we should feel lucky if we can plan an extra night on the town every month.

Expectation #4: I will live to my normal life expectancy.

This might well be true but then you must ask yourself, what is my life expectancy? When Social Security was instituted the average time spent in retirement was 3 years. Many of us today will spend 20 to 30 years in retirement. Statistically speaking, if you are a single male age 65 you have a 50% chance you will live to age 85 and a 25% chance to live to 92. If you are a single female age 65 you have a 50% chance you will live to 88 and 25% you will live to 94. If you are a married couple age 65 one of you has a 50% chance to live to 92 and a 25% to live to 97.

If these numbers don't get you thinking about how long you will need for your money to last consider this. One of the fastest growing age groups in the United States are those people over the age of 100. There are currently over 27,000 people over 100 and that number is sure to grow as the baby boomers begin to age.

Expectation # 5: I will stay healthy well into my final years.

There is no doubt about it; we are much more conscious of our health and taking care of our bodies and minds than any generation in the history of the world. We are finding new ways to combat disease and to stave off illness as well as to treat conditions that would have killed us only a generation ago. However, all of this has come at a price and that price needs to be calculated into our future income needs.

According to a study by Fidelity Investments, a retired couple without employer-sponsored health insurance can expect to pay $215,000 for out-of-pocket health care costs like premiums and co-pays. Moreover, this number does not include significant costs like long-term care, which isn't fully covered by Medicare. These numbers also assume you live to your life expectancy and not beyond. Last year these costs rose by 7.5% and we do not know what kind of increases we may see in the years ahead. As we have outlined above, Medicare costs could easily rise by double digits in the next 20 years.

If we add in home health care and long-term care into this equation we can easily double the numbers above and put a further strain on our already over taxed retirement funds. One thing you can do about potential long-term care needs is to purchase a long-term care policy from one of the many experts in this field.

What you can do to prepare

The numbers aren't pretty but there is no need to despair. Whether you have years to prepare for retirement or you are already there you can create a plan to succeed and prosper in your own retirement. To summarize let's go over the realities again:

o Investment directly into stock market investments can leave you at the mercy of the markets and geopolitical events. You will need to be in investments that can give you predictable returns without the threat of market downturns.

o Taxes will probably be going up over the next few years and into your retirement. It would be best to use your tax-deferred retirement plans early in your retirement and it may be prudent to move them to tax-free instruments at your earliest opportunity.

o Government entitlement programs will take a larger and larger share of the tax revenue in the future and future benefits may well be reduced or eliminated. Start taking responsibility of your future income needs by using instruments that can give you market based growth in a tax-free environment.

o Plan to outlive your own life expectancy. Create plans that will provide income streams you cannot outlive. There are many instruments on the market today that provide living income benefits you cannot outlive and that can be funded with both taxable and tax-deferred assets you now own.

o Expect to stay healthy but plan for the probability that you will need to spend more on heath care in the future. Purchase a long-term care policy that will pay for future needs at home and in care facilities.

One thing you can do right now is to get educated and speak with a professional advisor, preferably one who carries the CERTIFIED FINANCIAL PLANNER® designation. The sooner you take action the greater your success will be. Remember, by planning for the worst while expecting the best, you will be the ultimate winner and your retirement years will be all you have dreamed they would be.

1 According to Medicare Trustee Thomas R. Saving, a professor of economics at Texas A&M University and senior fellow at the National Center for Policy Analysis.

2 Trustees of the Social Security Trust Fund

Marc Cram is a CERTIFIED FINANCIAL PLANNER® in Durham, North Carolina. He works with families to protect and increase their assets using safe liquid investments. Marc holds a free online seminar every Monday evening at 9:00 pm Eastern time and can be contacted through his website at www.cramgroup.com. You can download a free 12 page article on how to safely and conservatively build wealth at www.wealthyyou.us

Home Data Entry - Immeasurable Jobs

The common goal of all establishments now, either small or big, is the call to have a staying power and to have updated business information or else it would be difficult to participate and keep it active in the market. In order to have a better knowledge, it is very vital to have a deeper perception of clients and the factors affecting the society. For this reason, data entry though, not the main business is very significant due to the fact that it is essential for every business to succeed.

Several companies have come up a solution to the need of this job. It varies from simple to complicated ones and the need is continuous. That is why it is very in demand and considered tough despite the global crisis. Even if it is only outsourced to other countries for a low-priced labor, there is still a continuous demand for the job in the country.

There are numerous jobs available in the internet like making product catalogs, reformatting of documents, medical records and insurance claim entry, indexing of documents, scanning of documents, data mining, data scrubbing, transcription, updating of client information and surveys online. You do not have to be fast in typing to land a job. But, if your work will depend on the number of words or lines you could produce per day like in transcription, then high-speed typing is very important. The average typing speed is 45 to 50 words per minute. Be patient if you are slow at the beginning, sooner or later it will improve somehow. If you are just starting in this business, do not expect to earn big.

To have a good start in working from home, it is highly recommended that you enroll in a training program. This is a program that will hone your clerical skills and will be directed on ways to start your own business at home. It will also show you some business techniques in order to avoid scams that are scattered in the internet so that your business will stay longer and will make profits for you. The program I have been talking about is the National Data Entry. This is a genuine program that will provide tutorial to those who are interested to earn big despite the crisis today. It has been serving people since 2006.

Best Home Based Data Entry: Featured on CNN Money!
Check out my National Data Entry review at my site! - Don't forget, you can also get 50% - 75% off for a limited time so go now, you'll be sorry if you miss it!

Diane constantly makes about $1500- $2500 a month taking surveys and helping with various data entry jobs provided by companies all over the world. Find out more from Diane how she does it, and see her reviews on the legitimate data entry companies

Fly-Drive the East Coast of the USA

As fly-drive holidays are becoming increasingly popular, everyone wants to organise their own travel by travelling further in a short period of time. There are many different types of fly drives. You can stay in one city and drive to other cities that are close, or you can start at one city and end at another. This would be particularly good if you are planning on going to the USA, as you can see many more cities on your holiday, rather than stay in one.

Another really brilliant drive is the East Coast of the USA. Here you can enjoy so many different places as you embark on your journey from Boston, Massachusetts to Miami, Florida. There are many places to visit between these two and I will be listing a lot you can see, so it is vital that you plan your trip before going anywhere! Learn your route, look at places to go and what they have to offer, from small towns to big cities and make sure you have booked your hotels/hostels/camping where ever you may be. Finally, have a good time with it! It's your chance to explore USA in your own time and at your own pace, there is no rush and plan your time accordingly so when you get to your destination city, you have a few days to relax before your flight home.

Now the city we are going to start in is Boston in Massachusetts. Grab your hire car from the airport and you are off! There many museums in Boston that you can visit, such as The Boston Fire Museum, The J.F.K Presidential Library and Museum and The Museum of Science, which are just to name a few. There are so many restaurants and cafe's for you to just relax and enjoy some time in Boston, you will never get bored and you will always have something to do such as the Freedom Trail which will take you through a tour of Boston's history.

Our next stop is crossing states into Connecticut to Hartford. Make sure you have all your documents with you in case you get stopped at the state crossing. It's good to have your passport, Car hire documents, insurance, drivers license and your tickets from where you came and where you are going. It will take about 2 hours to get there and there are so many historic buildings to see. Including The Cathedral of St Joesph which is made from 281-foot limestone and has a 8000 pipe organ. Also the Mark Twain House and Museum home of the writer Samuel Clemens whom wrote The Adventures of Huckleberry Finn. As well as many more to discover!

As we carry on our journey we will head down to New York in New York. This will take about 2hours I recommended you spend a good few days here. Being known as the City that Never Sleeps you will have so much to see and do, as well as a huge variety of foods to taste. Visit the Statue of Liberty, or go the top of the Empire State Building and view the entire city. As well as many parks and Attractions such as Central Park and shop until you drop at 5th Avenue.

Hop back into your car and drive about 2 hours to Philadelphia, Pennsylvania. Now if you only stay here a short time you must visit Independence Hall, where the Declaration of Independence was signed and the Liberty Bell. If you wish to spend more time here then why not visit the home of Edgar Alan Poe, or the Benjamin Franklin National Museum.

A 3 hour drive from here will take you to Washington, DC. Again here is a city rich in history with Lincoln Park, Old Town House, Washington Monument and also the White House are places to see. There is also a wonderful nightlife and many theatre productions for you enjoy. There are also many parks that you can relax in such as Rock Creek Park and Pocomac Park. Here you can also enjoy a game of Golf if you go with your friends to Rock Creek Golf Course.

Our next stop is another 2 hours to Richmond, Virginia. Here you can visit the Haunts of Richmond which will take you on a tour, or the Cemetery of Hollywood where two presidents are buried as well as thousands of confederate soldiers. Also go visit Maggie L. Walker National Historic Site as well as Richmond Battlefield Site where you can get a real taste of history.

Now head on down to Virginia Beach which will take you about 2 hours and relax by the longest stretch of beach in the world. There is also a very good night life here as it is a popular tourist resort, so why not stay here overnight and enjoy some relaxation with some friends or your family. You can learn to surf, play some golf, go to one of the many amusements parks, learn to play volleyball or even go swimming and diving in the sea. So you will never be bored of anything to do here.

Your next destination is about 3 hours away in North Carolina. Visit Rocky Mount which is a small city that is bursting with things to do. Take a 3 and half mile trail along the Tar river, take a time out in the memorial garden at Ebenezer Baptist Church, Enjoy some Gospel music in the country at Luther Barnes Fall Gospel Classic and many more for you to discover.

Jacksonville is 2 and a half hours away, and here you can enjoy Laser Tag and Paintball. There are also many cafe's and restaurants for you all to enjoy in this fairly new city. It is nearly 23 years old! There are lots of hotels and campsites for here to you to stay if you need to.

It will only take you about an hour or so to get to Wilmington which is famous for the hit TV shows Dawson's Creek and One Tree Hill being produced there. There are a vast array of attractions such as the Haunted Pub Crawl, Airlie Gardens as well as many museums too. This is wonderful city to visit.

Another 2 hours and a state crossing, you will reach Myrtle Beach in South Carolina. Here is another very relaxing beach resort for you and your family or friends to enjoy. There are many attractions for everyone to enjoy such as Hard Rock Park, Myrtle Diving and Fishing and Ripleys Aquarium are to name just a few. Here would be a really lovely place to stay overnight as well as it is a resort town so there will be many hotels that you can find along the beach.

Your next destination is Charleston which is just over 2 hours. This city is known as The Holy City due it many of it's parishes and churches. The First Baptist Church of Charleston is the oldest Baptist church in the South and the first Southern Baptist Church in existence so it is well worth a visit. It also worth visiting The Charleston Tea Plantation is a true working plantation and is amazing.

2 hours on is Savannah in Georgia which houses beautiful architecture and people from around the world come to see just these. There are many historic home to come and see here such as The Pink House and Sorrel Weed House. Also come and see a very historic place of worship Cathedral of St. John the Baptist. There are also many other things to do such as dolphin cruises and carriage rides as well as choice of shell collecting or even spot of shopping.

Your next destination is Brunswick in Georgia which is about hour and half away. Here you can visit Hofwyl-Broadfield Plantation Historic Site, which was once a rice plantation offers visitors a look at plantation life. An antebellum home, surrounded by oaks, magnolias and camellias and a museum provide artifacts of the slave age. You may also want to take a 3 - 4 hour cruise and enjoy dinner and perhaps a spot of gambling.

From here you can go onto Florida and spend another few days in and around exploring Orlando, Key West, Tampa and many other places. So why not get a Car hire USA and create your own fly-drive holiday!

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