Web Conferencing ? the Virtual Global Office Enabler

Online collaboration has begun to evolve from just being the Wow factor to something core that every business has to invest and have a plan for. Internet has changed the way we work and live, it has made virtual offices and work from homes possible. Web conferencing is one big tool that increases the productivity of the employees and the company as such. There are multiple products in this web collaboration segment out there from companies starting with Cisco, Microsoft to PresentPlus.com. These online conferencing products enable live meetings to happen in a virtual conference room. This is a Sci-Fi dream just a few decades ago, now it is a reality in high resolution video beamed across continents. The advent of high speed Internet and fantastic QoS (Quality of Service) implementations in the backbone networks has enabled these highly productive multimedia conferences. Typical conferences has always included a dull one way non-interactive lecture style over the phone meetings, remember Charlie's Angels. Now it has evolved into something highly feature rich and highly productive.

Web conferences "NOW" enable online sharing of your presentation material and additional documentation that is needed for the meeting. Additionally it provides the collaboration aspects like shared white boards and live synchronized presentations. The other main core components are the audio, video and text collaboration. The traditional PBX audio has been replaced with the reach VOIP audio features and video has evolved from dull one ways to active speaker- grid solutions. Video has evolved so well that now you can have custom views for each person in the conference, each person can choose the endpoints or cameras they want to watch in addition to the capabilities like automatically getting the video from the active speaker in the conference. One of the much used features is the integrated text chats with emoticons. What a fantastic feature this is, along with the public chat modules the users get to have their own private chats. While you are in the online meeting you can chat with your co-worker on specific questions and get something cleared without interrupting the overall meeting. This is one thing that is uniquely possible in online conferences which is really an annoyance in real face to face meetings. How many times have you really wanted the mute button for the private conversation between 2 guys in a group meeting in parallel to the main speaker? This text capability has found really some interesting and useful twists like real time polling and online question submissions. Think about it, you can keep sending the questions you want to be answered in the final Q/A as and when it strikes you. These are typically added to a queue which can feed as the source for the Q/A session that typically follows the preso or meeting. This is very useful in lecture style meetings. Enough said about the features and let's take a quick look at the business side of things.

Web conferencing products allow the businesses to setup virtual global office ready to meet with business prospects and clients at any time anywhere. When I say anywhere I mean contact any one through these online collaboration products having a rich experience like the face to face meeting without the costly Flight and Hotel expenses. These also present a great opportunity to telecommute without distancing yourself from your colleagues. More so often it happens that folks who telecommute are forgotten by most colleagues, these video and other real time capabilities gets these telecommuters closer to the rest of the team. One of the killer uses is webcasting which is organizing live events and broadcasting these events to employees and customers who are not able to attend the event. This is added with the capability to record these meetings with unlimited playbacks. Without much investment in terms of capital equipment you can get them as online services on a need basis from some of the good companies. One such company with many web conferencing offerings is presented to you below.

Author suggests PresentPlus.com as one of the key enablers for your company to get web conferencing products and web conferencing services. This web conferencing superstore sports many great offerings like the ultimate visual teleconference which you need to take a look to see how these would make your company more productive. Author does freelancing for many great companies and can be reached at "indyan @ gmail .com" for all your content needs.

Jesus Birthday: Sacred Children Series - 2 of 3

I had visions of my daughter for about five years before she finally showed up. She turned out exactly like the little girl in my dreams who had haunted me all that time. I was so very glad to see that she was alive and real. I always thought she must somehow be more magical and special then other normal kids.

Her older brother had told her about reincarnation when she was only two years old. She would later yell at me during her tantrums, "Next time I'm born, I'm not gonna be your daughter!!!" I'd always laugh at her and say, "Oh yes you will! You have to be my daughter forever and ever!" She'd storm off to her room until she was done being angry about whatever it is that little girls get angry about.

She always acted like an old woman who was wiser than my son and I were. We had just sort of gotten used to the baby in the family behaving as the old one. When she was three she asked me one day, "Do you know why I was late?"

As I continued messing with my makeup and fixing my hair in the bathroom mirror I asked her, "Late for what?"

"For being born."

She had been due on Christmas Eve and instead had decided to show up on New Year's Eve. "Why were you late?"

"Well," She replied quite matter of factly. "It was Jesus' birthday and I didn't want to leave early."

I was a bit taken aback, "Who told you about Jesus?" I'm not a traditional Christian and hadn't told my children anything about the traditional organized religions yet. We didn't have any family or friends around who would have told her of such things. How in the world did she know about Jesus?

"Jesus is my friend. He lives in heaven with Michael and Cracker."

"Who's Michael and Cracker?"

She looked at me like I was silly for not knowing as she said, "Michael's my friend. He's going to help me find my new dad. Cracker is a clown and goes like this." With that she started rolling around and doing somersaults and trying to do cartwheels. Then she stopped and looked up at me and said, "They're still up in heaven playing with Jesus. When I get done with this life, I'm going back up there to play and I'm not coming down again."

"Why? Don't you like it here?"

With a rather bored look on her face she said, "Yeah, but I've already learned all my lessons and I only came because you wanted me to."

"Are you upset that I pulled you away from your friends?"

"No, I love you, so I came back. But I'm just not coming back again after I'm all done helping you this time." With that, we pretty much established that she was indeed the old soul caretaker of the family. We kind of already knew that.

Over the next couple of years, she would prove over and over that Michael was helping her to find her new dad. I was a single parent longing for my soulmate to come find me. In reference to my love life, she knew things she had no business knowing. She was told about things before they happened. Michael was always telling her secrets about the men I was dating. Michael was always right. She seemed a bit bored by the whole thing.

She made me believe that Jesus must have been real. I had never really been quite sure until my three year old talked of him without ever having been taught of him. She seemed so self-assured and at peace with the concept. She never spoke of God, just of her buddies and how they all loved to play together. She missed them dearly and yet she was never really alone. I would find her playing with Cracker and Michael in her room all of the time. It was all very different from her brother who had an imaginary playmate for a short time. She didn't have to sit and think about it. She didn't giggle as she "played" at having conversations with them. She was at peace with the fact that they were as real as her brother and me. Michael was her favorite and he was the one who told her precognitive things on a frequent basis.

I wasn't surprised that a child of mine would have a "friend" named Michael who told her things about the future. He was a member of our family until the ladies at the preschool told her that Michael wasn't real and she believed them. Once they convinced her that he wasn't real, she quit "seeing" him. At this point in time, she's not yet convinced herself that he's real and therefore still doesn't "see" or "hear" him anymore. A side effect they probably didn't consider when telling her that Michael was only make believe, is that she no longer "hears" or "sees" or "remembers" Jesus anymore either. By taking her best friend in the spiritual world away from her, they also took Jesus away from her. It broke my heart to see her turn away from Michael.

Now that she's older, she's a little bitter about it all. She wants to reconnect with Michael, Cracker, and Jesus, but she just doesn't believe in it all anymore. I tell her that someday, when she's ready, they'll come back to her. They're still here. She hopes I'm right. She's always seemed a bit unsure of herself since losing that deep and amazing spiritual connection with them. She is still a caretaker by nature, but her soul doesn't seem quite so old and wise anymore. She may not remember, but I hold the memories for her. The one thing I've learned about guardian angels is that they always look over us whether we believe in them or not.

Copyright 2003, Skye Thomas, Tomorrow's Edge

About The Author

Skye Thomas began writing books and articles with an everyday practical approach to life in 1999 after twenty years of studying spirituality, metaphysics, astrology, personal growth, motivation, and parenting. After years of high heels and business clothes, she is currently enjoying working from home in her pajamas. Go to www.TomorrowsEdge.net to read more of her articles and to get a free preview of one of her books.

Skye@TomorrowsEdge.net

Who Takes Your Money

Your business is making profits, but where is the cash? It seems that someone has taken away your money. Your bank account is still the same, and your personal wealth is still the same. There must be someone that took your money. Based on my over 18 years of professional experience and study, there are 8 persons that take away your money without your knowing...

The First Person is YOU

Yes, if you do not have accountability, you have taken away your own money! According to NLP experts, 95% of the people in this world live their live below the line. They blame others for their own problems, come up with excuses and worst of all, deny what they are doing is their fault. Sounds too common? Many people blame the government, blame the economy, and blame the VAT or GST (tax) increase etc for their business woes. The remaining 5% of the people (successful people) live their live above the line. They take ownership of their situation, take responsibility for their actions, and be accountable to themselves.

The Second Person is Your Lack of Planning

Yes, if you have no planning, or you are simply reacting to everyday challenges, you're simply taking away your own money! To take back your money, respond, don't react. You can choose to over-respond if you like. Like faced with a new competitor, you can simply react by cutting your price, or you can over-respond by always maintaining a USP so that there is no real competitor.

The Third Person is Your Customers

We all know that customers that don't pay are simply taking money from your pocket and putting it into their own bank account. The best is to have no credit policy, and even collect cash in advance.

The Fourth Person is Your Suppliers Suppliers often take away your money by giving you lousy service, noncompetitive products and worst of all, sell you extra stocks! So have a JIT (just-in-time) system for purchasing and inventory, and you'll take the money back from your suppliers.

The Fifth Person is your Staff

If you only have staff and not team, you're working for your staff for free! Staffs are simply reactive people on your payroll that you need to continuously ensure that they do their work, especially when you're not around. Team are those that work as though they're working for their own company. You need to build winning teams or you'd end up with losing money.

The Sixth Person is your Marketing

If you are like most people who believe that marketing will generate you name recognition, and once you have name recognition, customers will come to you, you're throwing away money for good. Marketing must be Profitable Marketing, i.e. it generates you profit every time you do it.

The Seventh Person is your Accounts (or your lack of understanding of accounts).

Many people don't know how to read Balance Sheet, and can't figure out what is a cash flow Statement. Lack of understanding of accounting can pull you down as you could be doing things that wrong and not know it.

The Eight Person is your Selling

If you are like most people still relying on providing answers in your selling, you're missing a lot. The only way to sell is to ask questions.

Gordon Goh is author of the free, informative website Simply Motivation offering quality useful tips for Motivation

So Whats Wrong With Strategic?

Some folks see the word "strategic" as a needlessly tiresome and complicated notion. But anything that shows you how to get from here to there IS strategic, and something we all need.

Even the dictionary calls a strategy "of great importance to a planned effort."

For example, look at public relations where just about everything is based on getting from here to there. That is, from a dangerous lack of concern with external audiences to a sensible plan for doing something about what those key audiences think about you.

To make the point, here's a quick two-sentence thumbnail that promises just such an outcome.

"People act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that opinion by reaching, persuading and moving-to-desired- action those people whose behaviors affect the organization, the public relations mission is accomplished."

While it's obvious that survival is the pot of gold at the end of this rainbow, you don't get those external audiences on your side without a little work

Better prioritize those outside interest groups of yours into some kind of importance ranking. Then, let's take the external audience you rank clearly as #1 and do a little work on it right now.

How much do you know about this group of people? Are you aware of what the prevailing view of you and your enterprize is among group members? Do you know of any negative perceptions?

No? That's why you must get busy and interact with members of that key target audience of yours. Ask questions: "What do you think about our business, products or services? Why?" And stay alert to any signs of negativity, any inaccurate perceptions, misconceptions or rumors.

The reactions to such probing questions help you to set down a public relations goal designed to correct misperceptions and inaccuracies.

So, while this gives you your public relations goal, HOW will you reach it? That's right, you need a strategy to help you get from here to there. You're in luck because there are just three strategic options for dealing with opinion available to you. Create opinion (perceptions) where none may exist; change existing opinion, or reinforce it.

Select the one that logically flows from the goal you established.

Now, you're ready to write the persuasive and compelling message you'll be counting on to change perceptions and move your target audience behaviors in your direction.

It's not an easy writing job. The message must be not only persuasive and compelling but very clear, direct and brief in its presentation. The facts and figures supporting WHY target audience members should alter their perception of your organization must be accurate and believable. It's best to try out the message on a few audience members first, then adjust if needed and commence public distribution.

Now, to mix metaphors, who will be your "beasts of burden," or "foot soldiers?" In other words, which communications tactics will you use to carry that carefully constructed message to the eyes and ears of key target audience members?

There are a lot of tactics available to you. Everything from letters and emails, personal contacts, face-to-face meetings and special events to brochures, press releases, speeches, broadcast interviews and a ton of others.

At this point, you will still not know if you're making progress towards your public relations goal.

Which is why you must return to the field and once again talk to those members of your key target audience. Ask questions very similar to those you used during your earlier information gathering.

The big difference the second time around will be that you are watching closely for signs of changed perceptions, hopefully in your direction. Have misconceptions cleared up? Does it appear that inaccuracies have been corrected? Do you see signs that the dangerous rumor has been defeated?

Not enough progress? Review the mix and frequency of your communications tactics. And take a hard look at that all- important message. Measure it as to how well your facts and figures equip it to change minds and perceptions. Make adjustments and recommence firing!

What you've just completed is a first-class, "strategic" plan for managing the perceptions and behaviors of your key external audiences. A plan that will have a large say in your personal success and, possibly, the survival of your organization.

Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. A copy would be appreciated at bobkelly@TNI.net.

Robert A. Kelly ? 2003

About The Author

Bob Kelly counsels, writes and speaks about the fundamental premise of public relations. He has been DPR, Pepsi-Cola Co.; AGM-PR, Texaco Inc.; VP-PR, Olin Corp.; VP-PR, Newport News Shipbuilding & Drydock Co.; director of communications, U.S. Department of the Interior, and deputy assistant press secretary, The White House. mailto:bobkelly@TNI.net. Visit: http://www.prcommentary.com

Co-sleeping, a personal story

When I was pregnant, we knew that we had some fairly fixed ideas about how we wanted to raise our child, including allowing her to share our bed for as long as she wanted to.

We have been shocked and sometimes upset at other people's reaction to what seemed to be a very instinctive decision, to sleep with our daughter. I am often made to justify this decision and made to feel as if we are "bad" parents just because we hadn't trained her to sleep in a cot in her own room by 8 weeks old.

As it happens, we didn't even really talk about it, it just seemed the right and natural thing to do and offered some major advantages. Our daughter loved the constant contact and it made it so much easier to breastfeed during the night. By simply rolling over and letting her feed before either of us were fully awake, we were both able to drift back to sleep much quicker than if I had had to get up to feed, so everyone got extra sleep.

Many studies have shown that co-sleeping helps to establish breastfeeding and leads to a more settled and happy baby. Others claim that these benefits can last for years and that children who slept with their parents do better at school, have higher self-esteem, fewer health issues and is more likely to be well adjusted than their peers.

We know this goes against many bestselling books on parenting, such as Gina Ford and Richard Ferber but we are convinced that this was the right decision for us and for our daughter. Personally, I believe that night time should be about nurturing and closeness, not about training for the realities of later life.

Yes, there can be some downsides to co-sleeping, but most can be overcome with a few adjustments, such as buying a bigger bed. There have been many reported studies into the dangers of co-sleeping, the most recent published early this year in the Lancet. La Leche League, amongst others, claim that they are flawed as they do not distinguish between safe (following current guidelines re temperature, soft bedding etc) and unsafe (eg on a sofa or with parents who smoke or drink alcohol) co-sleeping.

Our daughter is very independent already (at 13 months) and I am convinced that this is due to all the extra nurturing and contact that she receives during the nights. At some stage, she will decide that she wants her own bed and she will be welcome to it. But in the meantime all three of us love the extra time we get together and there is nothing more wonderful than being woken by a kiss from your baby and seeing just how happy they are to be so close to you. I know that in this way we have created many special moments that we all treasure.

--------------------------------------------------------------------------------

What ever you personally decide, do make sure you follow the latest advice re safe sleeping for your baby. Much of it is commonsense, but the following guidelines should help:

? Always put your baby to sleep on their back.

? Use a firm mattress and never co-sleep on a waterbed or on a sofa.

? Do not use a pillow for your baby and always make sure that your baby's head is clear of your pillows and bedding. This will reduce the risk of smothering and overheating.

? Do not sleep with your baby if you smoke, have drunk alcohol or have taken any drugs which make you drowsy.

? Do not give your baby a pillow, and ensure that his head is not covered by the duvet or the sheets. Either of these could smother him.

? Use bedding that tightly fits the mattress and make sure there are no gaps between the bed and the headboard where they could become trapped.

If you are unsure or need further advice, always speak to your GP or Health Visitor.

Arabella Greatorex is the owner of http://www.naturalnursery.co.uk, an online store selling organic and fairly traded products of families.

Cell Phone Reviews ? Why Do Them?

Well let's be honest some people just don't bother doing cell phone reviews, and why should they? Well let's keep things simple, would you just walk into a car showroom and drive away within 5 minutes, not many would unless you have done your homework first. Cell phones can be complex, you need to know what you what before you jump and buy, and then there are the cell phone carriers, who to choose from. A little research goes along way. The cell phones today are far different than when first introduced onto the market. We now have GPS phones, camera phone, PDA phones and phones with Bluetooth technologies. Bluetooth, when it first came out I thought it was a fashion icon to dye your teeth. You have to be aware of what you are buying in order to maximise the usage.

What are you using the phone for?

Simple question like what is the phone for, need to be answered. Do you need the cell phone for business, general call or fun (camera phones). What cell phone manufacturer do you prefer, or do you even know of any? Well here are a few to keep your mind open: Samsung, Motorola, Nokia, Motorola, NEC, Oki, Sony Ericsson, Philips, JRC and Mitsubishi to name but a few. Well let's put things into perfective, all the major cell phone manufacturers claim to better than the other, word off month from friends and family will give you an honest opinion or maybe you have used a previous cell phone from one of these manufacturers. Everybody has a key use for the cellular phone, do you need to take photos? If so the camera phone is really the only option, if you need quality photos you need to check if the camera phone has a zoom in and out option and what the pixel rate is. Do you want a flip screen cell phone or standard display?

Business users may benefit more from the PDA phones. PDA are ideal as they are compared to as a mini PC. The specifications can be looked as that to a computer and it is the ideal phone for working from home or hotel rooms if you travel. The GPS phones are great for the more sporty among us such as climbers or adventurers. Global positioning satellite will allow you be traced if lost or in difficulty, great for those travelling to remote regions.

By researching a little you get a whole new perspective on cell phones and manufacturers. The market leaders in cell phone manufacturing are the ones who bring out the newest technology, keep your eyes on the web to see bulletins and news flashes in the communication business world. Cell phones have come down in price with the increased competition and the ever growing demand by the general public but they still need careful consideration.

Cost Saving:

If you are reluctant to get another monthly bill into the household you can opt for the prepaid cell phones. Prepaid cellular phones are very popular and a great way to manage your finances. There is no monthly bill, it's simply pay as you go. You get credit for your phone from your local store or simply call a number given to you by the cell phone carrier and top up with a credit card. Remember prepaid cell phones are more expensive per minute to operate than a bill phone.

Trade in your old phone

Most people are aware but some are not, if you already have a bill phone and are looking to get a new one ask in your store about a trade in or upgrade, most cell phones carriers offer upgrades as an incentive to stay connected to their network. Do not simply go and pick one of the shelf and pay for it without mentioning the possibility of an upgrade.

Cell phone accessories to go with the phone:

Many of us like to spice things up a little with our phones by changing the cell phone face plate and so on. Not all cell phones allow this to happen so check before you buy or you could be in for a disappointment.

Phones that work internationally:

Do not take it for granted that the phone you buy works internationally if you want to travel. Most cell phone manufacturers have models available to do so but you need to ask about their range of tri band or quad band cell phones.

About the Author
Declan Tobin is a successful freelance writer providing advice for consumers on purchasing a variety of Prepaid Phone Plans which includes Cell prepaid plans, Carriers, and more! His numerous articles provide a wonderfully researched resource of interesting and relevant information for all of your phone interests and needs.

UK Student Loans Explained

Student loans seem to be the only feasible way out to pursue higher studies for the average student in UK. Things become all the more difficult for those without university funding. The government, in its efforts to make further education affordable, had undertaken quite a few steps to buffer educational finance. A significant step towards this end was the formalising of the Student Loans scheme.

The Student Loans scheme was meant to help students with their costs of living during their period of study. With the credit market in UK specialising and booming with respect to the various economic spheres, student loans from private players are gradually becoming easier to get. Numerous lending agencies are eager to offer you a student loan after taking care of every odd problem a borrower may have.

The student loan or support schemes available in UK for various types of education & training within Britain are numerous. The specifications for student loans differ on the basis of the type of the course for which funding is needed, that is, full, part-time, or distance courses at UK universities and also the nationality, region, merit, and financial capacity of the student.

The student loan specifications and categorisation also change according to the study level

Students planning to go to further education

Currently in further education

Left further education

Gap Year

Students with children

Disabled students

Postgraduate and mature students

NHS funded students

Students in Scotland, N. Ireland & EU students.

You can get a student loan even if you are aged between 50 to 54 years. However, in this case you will have to confirm that you plan to work after the completion of your course. Usually the student loans are designed to take care of the costs of living, which includes costs made on accommodation, food, clothes, and travel. Just 25% of the loan is evaluated on the basis of your income.

For detailed information about the amount of the student loan and the legal procedure, get in touch with the local student loan award authority. This authority will manage the initial part of your student loan application. You will be tested with respect to your means and eligibility to justify your qualification for the student loan. You can also submit your application online with a reliable lending firm.

Against the loan, you are to pay a monthly interest that is based on the rate of inflation calculated daily from the start date of your student loan. You start repaying after finishing the course and after you reach the income level of over ?10,000 a year.

However easy the procedure of getting a loan is, remember that you have to repay them. It is better to plan for the repayments while you are applying for the student loans. This increases your credit rating as well as relieves you of severe financial tension in future.

Joseph Kenny is the webmaster of the loan information sites Select Loans and also UK Personal Loan Store.

Garbage In Its Place

There is nothing worse than seeing garbage blowing down the street of your neighborhood, or finding broken shards of glass at the local swimming hole where children play. Wildlife is just as vulnerable to garbage and many have lost their lives after becoming tangled in waste or mistaking garbage for food. It is up to each of us to make an effort to minimize this unsightly, and sometimes hazardous, problem.

Animals, wind and traffic breezes put legs to loose garbage and are able to distribute it great distances from the original source. The first thing that we can do to prevent this is to ensure trashcan and dumpster lids are secure. Metal and plastic trashcans are more preventative than bags - leaving a bag out over night or even for several hours, is an enticing invitation for stray animals to wreak havoc. When taking a load to the dump, be sure that it is securely covered by tightly tying a tarp over the load with some rope or bungee cords.

Carry plastic shopping bags on your walks to clean up litter that you find along the way. Often, people are rewarded for their efforts by the deposits returned from bottles and cans. Those who have noticed your efforts will begin taking up the same habit once they realize the impact it has.

Report any dumping you witness, whether it was done illegally or accidentally - just get the license number and leave the rest to the officials. Also, report any site where garbage has been left by others. These problems can be reported to the local city, highway, public works or conservation office. Ask them to arrange for it to be cleaned up.

By doing these relatively small actions, we prevent contamination and injuries to people or wildlife in the area. When separating recyclable items, we keep a valuable resource out of the landfill. In addition, we maintain a pristine environment for citizens, tourists and wildlife to enjoy. We can all take pride knowing that by keeping garbage in its place, we are making the world just a little better for everyone.

Written by Dave and Lillian Brummet based on the concept of their book, Trash Talk. The book offers useful solutions for the individual to reduce waste and better manage resources. A guide for anyone concerned about his or her impact on the environment. (http://www.sunshinecable.com/~drumit)

Monster Hunt: Ledge Lunker Blues Part I

Originally published in Procats Online Magazine

Summertime angling for trophy-sized blue cats on huge reservoirs can be tough. Peer across an expansive lake and the sheer vastness will seemingly swallow you whole. Where do you start? Do you just go out and look around with a good locator and hope to see some arches and begin fishing? Based on past experiences you know two things. Sometimes you have to drift. Other times you'll have to anchor. How do you know which to do first and what types of structure are you looking for that will hold big burly blue cats?

Procat pro-staffer Jeff Williams ardently targets big blues on Truman Reservoir and Lake of the Ozarks in Missouri. A lifetime of big-lake catfishing has taught him a thing or two about catfish behavior in reservoirs, and according to Jeff you can put more fish into the boat if you learn a few keys to summertime blue cat location. Before we get into the fishing part let's look at the two lakes Jeff fishes.

Lake Ledges

Many lakes around the country have different bottom styles from sheer drops down into as much as 180 foot of water on canyon terrain reservoirs, to relatively shallow featureless bowls with subtle drops in depth. Not all lakes are built alike but trophy-sized blues behave in similar ways wherever they swim - especially when it comes to relating to the same types of cover and depth according to the season you are fishing.

Ledge Blues

While Jeff targets cats in a variety of situations during the summer period, he reports that during the warm-water post-spawn period, drift fishing is in his most productive pattern for most days on both lakes for numbers of fish.

He looks for areas where the bottom has subtle rises and drops going from just below and well above the thermocline. "During the hotter water period, the thermocline is everything." Jeff uses his locator to mark fish on gently sloping ledges with the right depth before he deploys his baits and begins a drift. "You can find fish holding on steep ledges in the summer but steep ledges are difficult to get the right drift to stay in contact with numbers of fish. I prefer gentle rises and drops in a long diverse bottom contour area. Once you catch a few fish, make a note at what depth you're catching them in. If you're catchin' fish in 16 foot of water around a 12 foot hump ? you'd better find some more 16 foot of water to drift around in."

Why Drift During Summer

Jeff anchor fishes ledges, flats, trenches, wood cover, and steep drops during most of the year except during the hot-water post-spawn period. Big blues will hold on specific cover part of the time and roam around in tight areas looking for food before relocating during the cooler months which allows him to set up on a good number of fish. He still has to look for fish with his finder during the colder water periods but once he finds them, he can anchor up and fish a specific area. Jeff's theory about blue cat metabolism may hold the key to understanding why he does better while drift fishing during summer and the opposite during the cooler water period.

"I think as the water gets hotter, their metabolism rises with it and the blues need to roam around searching for food a lot more. It seems that I have to move around a lot more as well so I drift over areas targeting the active fish and don't worry about fish holding in one area. In hot water, when the fish are active ? I can set up on them and by the time I've caught a few fish they've moved. When the fish are acting this way I feel like I've made the right choice by drifting."

The Controlled Drift

Jeff admits that drift fishing for blues isn't really targeting big fish specifically, but he is still targeting structure that holds big fish. He finds an area that is showing the right drift scenario according to his experience on his lakes. He looks for fish arches on his locator holding the right distance off the bottom according to the thermocline. He likes to see fish on the graph holding either really close to the bottom. "Somebody out there might have some success with these loosely suspended fish but I haven't done well trying to target them yet."

Make sure to read Part 2 of this article to learn more about catching monster ledge lunker blues!

Copyright ? 2004-2005 Jeff Williams and Procats

Feel free to include a link to the rest of this article above the copyright information: ozark-lodges-fishing-trips.com/ledge-lunker-blue-catfish.htm

You have permission to publish this article free of charge as long as you are not selling it and that you include the author bylines immediately visible with the article and, if published in an electronic medium such as on a web site, you provide a link back to www.ozark-lodges-fishing-trips.com in the author bylines, both where the web address is listed as well as well as with the text "Lake of the Ozarks Catfish Fishing Guide Service":

Jeff Williams runs a Truman Lake Hybrid Bass and Lake of the Ozarks Catfish Fishing Guide Service offering lodging and guided trips in Missouri. To book a trip, learn more tips, or find out how Capt. Jeff would fish your own local waters, call 1-866-HOOKSET or visit http://www.ozark-lodges-fishing-trips.com today!

Types of Credit Cards

There are a whole variety of different types of credit cards available which can make choosing the right one a very confusing experience. In order to help you decide, listed below is a useful breakdown of the various types of credit cards available.

Standard Credit Cards

Standard credit cards work as you might expect - with the cardholder using the card in order to pay for goods and services up to their agreed credit limit. Repayments are made once every month which must at least cover the agreed minimum repayment. These repayments will cover not only the capital borrowed but also the interest and extraneous charges payable upon the amount borrowed, usually referred to as annual percentage rate. Standard credit cards should not be confused with debit cards where transactions are charged directly to your current account.

Charge Cards

Charge cards work in the same way as normal credit cards with one difference, the balance of the charge card must be paid off in full every month. Charge cards are most regularly issued to either businesses or to consumers who may have had a bad credit history in the past. If you have a poor credit history then a charge card might be offered to you because the full monthly repayments would preclude spiralling debt. Charge cards are also popular with the wealthy consumer as this sort of card can offer credit practically without boundaries. It should be noted that if the cardholder does not pay off their balance once a month as required then they could incur very hefty fines.

Platinum and Gold Credit Cards

Platinum and Gold credit cards are only available to applicants who earn a certain level of annual income and, accordingly, offer a number of benefits to the cardholder which will vary from provider to provider. Higher credit limits are usually associated with these types of credit card. If you fall into a higher income bracket and have a good credit history then you will be able to benefit from the advantages that such a credit card offers.

Store Card

A variation on the credit card, a store card will allow the cardholder to make purchases with a particular retailer on a credit account. The cardholder can then effectively buy products without paying for them until a later date, when it is most convenient for them. You will often be offered discounts on the goods that you buy with a store credit card but it should be noted that the interest charged on such cards are usually extremely high. This is an area that you must be sure to look into with prudence if you are considering obtaining; you might find that the disadvantages outweigh the advantages.

Reward Credit Cards

Reward credit cards, or loyalty cards, operate in a similar way to charity cards except that the main recipient of any benefits is the credit cardholder. Incentives may include cash bonuses, points, discounts and Air Miles. With this type of credit card it is important that you think logically about the rewards being offered, and work out exactly how much you will need to spend on your credit card in order to reap the benefits.

Charity Credit Cards

Charity credit cards offer all the usual benefits of a regular credit card but also donates a particular percentage of what you spend to the charity to which it is affiliated. These charity donations are made at no extra cost to the cardholder and the card allows consumers to help a good cause simply by spending money in the way they always would. You can obtain credit cards for a whole range of diverse charities as well as organisations such as football clubs or universities.

You may freely reprint this article provided the author's biography remains intact:

About The Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Logo Files: Versions Of Your Logo That You Should Own

Your logo is the most important graphic element in which you will invest for your business. You should own the logo in many file formats. Having a library of logo files will enable you to send vendors the types of files they need (for example, other designers, printers, or other service providers).

There are two major categories that I will cover in this article - color variations and file-type variations.

Color Variations

You should receive your logo graphic from your designer in all of the file types listed below in the "File Formats" section (unless otherwise noted) in the following color variations:

Pantone color or CMYK color
Pantone color (if applicable) - If you intend to have your business cards or other materials printed professionally, choosing Pantone colors makes the process less expensive than printing in full four- (or CMYK-) color, unless you choose to use the new printers available today. See my article on inexpensive printing options, coming soon!. Full CMYK color - This is for four-color printing, full color ads, and for use on any materials that you intend to print from your own desktop color printer, i.e, invoices, statements, receipts, letters, etc.

RGB color
RGB color - For use on your website or in your email. You should get JPEG and GIF formats in this color scheme.

Grayscale and/or black and white versions
Grayscale - If your logo contains more than one color, or if it has tones or shades of one color, you should receive a grayscale version. You would use this when your logo is included in the newspaper or in the Yellow Pages, or on any black and white laser-printed materials you may create.

Black and white
This version would be used to produce the best-quality logo on faxes or any materials you reproduce using a copier.

Depending on the design of the logo, sometimes only either a black and white or grayscale version of the logo will be applicable. For example, for a logo with just one color in it, only a black and white version would apply. And, if elements of different colors overlap, a grayscale version will ensure that the different graphic elements do not bleed together, as they would if they were all converted to black. So you may not receive both grayscale and black and white versions, but having one or the other should suffice. File Formats:

Original graphic
The original Illustrator, Photoshop, or other program-native document. This comes in handy if you make a minor change to your company (i.e., if you add LLC or Inc.), or if you decide to change your color scheme.

To make these types of changes easiest, you need a file of the logo in the original program in which it was created. If the logo was created in Illustrator (which is preferable, because creating vector graphics in Illustrator will allow your logo to be scaled up and down as needed), the type should not be outlined, unless your designer has done so in order to modify the typeface.

If the logo was created in Photoshop, the layers of the document should not be flattened, and the type should not be rasterized (converted from editable type into pixels) - this will ensure that it will still be editable.

Ask your designer which fonts have been used in the logo, so you could purchase it for use in other materials. This will avoid the lengthy and time-consuming process of font matching, should you work with other designers.

You should receive several different versions of the software's native file formats from the designer, in case a future designer or printer ever uses an older version of the software. For example, I provide Illustrator files in Illustrator CS along with Illustrator 9.

EPS format
I recommend that your logo be in EPS 9 format. EPS can be opened and processed by many different programs. This is also the file format most commonly accepted/requested by printers.

PDF format
You will not be able to view many of the file formats of your design that you receive unless you have graphics software applications. I suggest that you receive the PDF files of each Color Version of your logo. You will be able to view the PDF files using Adobe Acrobat Reader, available for free on Adobe's web site at www.adobe.com.

"Outlined" original format
The difference between this graphic and the original would be found in the Illustrator files. The fonts in the outlined original format would be outlined, which means that the letters are converted into shapes. In Photoshop, the type should be rasterized and the layers should be flattened. This outlined file should be provided in all of the formats listed above - original program format, EPS, and PDF.

These outlined file versions should be provided to any printers or service bureaus to lessen the chance that the elements in your logo could inadvertently be shifted around. This will make sure that your logo will print with the right font should the printer not have the font used in your logo.

JPEG and GIF formats
For web or email use. The GIF graphic should be created with a transparent background.

TIF format at 300 dots per inch (DPI) resolution, in RGB color format - For use in Microsoft Word and PowerPoint files.

TIF format at 300 DPI
Some printers, ad vendors (i.e., the Yellow Pages), or other designers may require this file format in order to create additional designed materials.

Having your logo in these formats will ensure that you won't ever need to have your logo redrawn or re-created for use in future projects. After all, you own your logo - shouldn't you be able to use it as well?

About the Author

Erin Ferree, Founder and Lead Designer of elf design, is a brand identity and graphic design expert. She has been helping small businesses grow with bold, clean and effective logo and marketing material designs for over a decade. elf design offers the comprehensive graphic and web design services of a large agency, with the one- on-one, personalized attention of an independent design specialist. Erin works closely in partnership with her clients to create designs that are visible, credible and memorable ? and that tell their unique business stories in a clear and consistent way. For more information about elf design, please visit: Logo design at http://www.elf-design.com

Advertise Where Its Forbidden To

The most common way to drive people to your business site is advertising. You cannot succeed without advertising, this is a fact.

You should advertise almost everytime and almost everywhere using a very pleasant, smart and persuasive manner if you want to accomplish your final target: Making Sales

But what to do when clear and noisy advertising is not allowed (e.g discussion lists, discussion forums, etc) or you just send emails with no connection with business?

Should you give up? Should you leave hundreds of members of a discussion list with no information about your product? No way! You may promote your site with no accusation of unfair behavior using Signature File(s) because, as far as I know, this method of advertising is everywhere accepted without complains.

Here are some hints to improve the task of Signature files:

Be concise. A Signature file must point the essential, the most important thing about your product. There is no introduction here, there are no follow ups. You have only one second to describe its best performance. So try to include the key information that will make customers want to contact you.

Be short. When you send emails in HTML format use only one line, the link to your site must be viewed by moving the mouse over this line. When you're in text format use a two lines signature with a classical headline and the link below. At a minimum you should be able to provide is your product/company/site name and URL but ideally you would use and some appropriate words

Be relevant. A post about search engines shouldn't end with a signature file about copywriting.

Use the context. To be truly effective your signature must be as closest as possible to the content of message or topic of forum. For example if you answer postings in a forum to do with any aspect targeted advertising you can provide a signature such as "Get 10,000,000 hits to your website". Let's learn something here. It is not difficult to find 'forbidden' places for blatant advertising, they are everywhere. The biggest problem, and challenge as well, is to be very effective using a very small space.

Valerian Dinca is the owner of the newest online business tutorial. Everything you need when you need it. http://www.valerianplanet.com