Metzler

For those who want to start an exercise program that includes a stationary cycle, a used recumbent exercise bike my be just the item. Many people who are knowledgeable in the field of exercise equipment report that the best way to get a good used recumbent exercise bike is to take plenty of time shopping around for the right second hand model.

There are two general classes of exercise bikes: recumbent bikes and upright bikes. Recumbent bikes have chair-like or bucket seats. As you exercise, your body is in a semi-reclining position. Your legs angle out in front of you to reach the pedals instead of extending down as they do on an upright bike. Many users report that this design is much more comfortable and puts less stress on the back and knees. Upright bikes are sometimes referred to as "stationary bikes" although this term is now becoming a catchall term for both upright and recumbent bikes. These are the traditional exercise bikes that have been around for years and are similar in form to traditional outdoor bicycles.

Buyers can certainly find excellent used equipment, primarily because dozens of people purchase top-of-the-line exercise bikes, try them for a while, lose interest and then push the bike into the corner. Remember that you may be buying a bike that may no longer be manufactured. This shouldn't be a problem if the model is relatively new and is made by a top company. But buying second hand equipment can always be risky, even when the company was very popular during its heyday.

Instead of buying a second hand exercise bike, users may also want to search for one of the few new bikes left from original inventory. A second hand model of a recumbent exercise bike might not give satisfactory results and could be unsafe if not properly maintained. Users may also be able to find a used recumbent exercise bike at a garage sale, second hand sports store or through an online auction. It may also be possible to find a remanufactured exercise bike. The used recumbent exercise bike should be matched to your size, though most exercise bikes are easily adjusted for almost any body type. Prices range from $200 to more than $1,000, depending on original cost.

Buying a used bike (or even a new bike) online creates the risk of not getting exactly what you thought you were going to get. The bike you purchased may not have the exact specs or may be bigger or smaller than you thought it would be. It is very likely that the delivery company will not bring it into your house, so you will have to set it up. If you are buying a used recumbent exercise bike in one of the growing number of second-hand stores, make sure you know how to transport and assemble the bike, unless you contract with someone set the bike up. You can sometimes purchase service contracts from a store (like Sears or others), in case of a problem. But this is something you should be sure of before you hand over the check.

Garen Garson has a an exercise bike site ExerciseBikeTips.com http://www.exercisebiketips.com

This home selection checklist is a tool to help you select a home that is right for you and your family. Before you select a home and get a mortgage, you need to know if you will be happy with the home you select for the coming years. Home selection is a major step in your life and using a checklist to select smartly will help you think of all the things you need to realize about a home before you buy. Take a checklist with you to each home you might select and write down all the important home selection points on the checklist. Use the checklist for each potential home selection and you will have a fact book to review and analyze before your final home selection.

These important factors in home selection are designed to help you create a checklist of your own. You can then research homes for sale and checklist how each home compares to other homes youve selected to view. By the time you are ready to get a mortgage you will know, from the selection checklist, exactly the pros and cons of each home.

1. How old is the structure? Older homes require more maintenance. Mortgages on older homes can be more difficult to obtain. Mortgage insurance and the homeowners protection required by the mortgage company you select can be more costly on the home. Note on the selection checklist any items which need repair if you select that home.
2. How many stories is the home? If you or a family member is aging, or you expect to live in your home selection for years, stairs can be a major problem. If you are young and wont live in this home selection for years, this shouldnt be a problem. Place this on your selection checklist if it is a concern for you and your family. Note on your home checklist any selection items which might make family visits difficult. It would be a major inconvenience to say the least if your family cant visit because of stairs or hills.
3. What material is the home construction? Concrete slab and block construction homes pose a lower fire threat and this will reflect in your home insurance and maybe even mortgage rates. Place the building type you prefer on your home selection checklist.
4. Kitchen area: How large a kitchen will suit your lifestyle? Is the refrigerator ancient or newly new? Is the stove in good condition? Do you prefer to cook with a gas or an electric stove?

   Do you want a garbage disposal? Determine exactly what is important in a kitchen, and place those selections on your checklist. Then rate each property you might select as to how many of the checklist features are included. Of course, some selection checklist features are easy enough to add; other selection checklist features cant be changed.

5. Living areas: Is a formal living area and a den an important selection on your personal selection checklist? List on the home selection checklist each need. Are there windows for plants, if you are a plant-lover? Is the carpet in the potential home selection in good condition? Think about these items before signing a mortgage! Note any probable expenses on your home checklist for later review. Use these in budgeting for your mortgage
6. Laundry facilities: Does your home selection have laundry hookups that will not require you to run up and down stairs to bring laundry from bedrooms to the washer? Are the hook-ups in good condition? Note on the selection checklist. Place on your selection checklist any items you would select to replace upon moving into the home. Write on the checklist the anticipated cost of replacing the items you select as unacceptable. Remember to budget so you can pay the mortgage plus refurbish the home selection after purchase.
7. Bedrooms: Is your family formed or do you plan on more children? Are there enough bedrooms to allow guests? Is the master bedroom in the home selection large enough? Obtaining a mortgage on too small a home can be a major error. Place on your selection checklist exactly the size home you need to select.
8. Closets: Will there be enough closet space for your familys clothing? Place on your checklist how many closets you require.
9. Bathrooms: Will there be enough facilities in your home selection to allow everyone space for their personal items and plenty of time to use facilities. Large families require several bathrooms; be sure to put this on your home selection checklist! A selection that needs bathrooms added plus mortgage payments can be expensive. Consider this in your mortgage budget.
10. Roofing: Take a look at the materials and condition. If the roof looks as if it will need repair soon, consider this major cost in your mortgage pricing. Roofing is very expensive. Research the cost of replacing a roof before you make an offer. Note these costs on the home checklist. Will your budget cover mortgage and roofing expense?
11. Water heater: Look at the water heater and determine condition. Look for places that may have leaked and any damage resulting. Also, is the water heater gas or electric in the home selection? More notes for your home checklist.
12. Air conditioning / heating: Do these units in the home selection appear to be old or new? Are they energy efficient? If you sign a mortgage on a home only to learn the entire heating or HVAC requires replacement, you could cause yourself financial stress. Checklist the estimated age of each appliance and piece of equipment in the potential home selection. Include checklist notes of expenses for replacing older items. Place in your home mortgage selection notes that you may want a home inspection or warranty if equipment looks older; your checklist selection can save you from making a major mortgage error!
13. Utility Cost: Dont be afraid to ask the home owners to see electric, gas and water bills. If your home selection is well insulated and energy efficient, they will be happy to show you. Energy costs are important points on your home selection checklist.
14. Neighborhood: Do you want to be in a gated community? Is a play area for children nearby the home? What about schools? Is the neighborhood surrounding the home selection clean and attractive? Ride around the neighborhood; see other homes to learn about the area before making your home selection to mortgage. Secure neighborhoods help not only ease of mortgage approval, but on insurance as well. Checklist this item on your home selection list.
15. Yard: If you have children or pets, you may desire a large yard. If you are a gardener, a nice yard is important. Again, checklist everything that truly matters in your ideal home selection.
16. Parking: Is there space for your vehicles and guests? Is there a garage? Carport? Is the driveway in good condition? Include on your home selection checklist what matters to you. Again, if these require repair, put these notes on the checklist so you can budget accordingly.
17. Future expansion: If you wish to expand the home at some future time then is there space on the property without crowding? Consider the future before you mortgage a home that you may have to sell later as your family needs grow.
18. Zoning and Restrictions: If you have a home business, is it permitted in the potential neighborhood? Selection of a home which prevents the activities you value would be a bad mistake. Some communities have restrictions regarding working on your car or motorcycle, parking a boat and other issues you need to know before making your final home selection. Keep this point on your selection checklist if you work on your car or have a boat beside the home.
19. Work: Is the home of your selection near your workplace? If not, is it easy to access the expressway for an easy commute from home? Will you come to hate the idea of going to work from this location? Note on the selection checklist for your home the miles you will drive per day and the cost.
20. Shopping: Groceries, and convenience stores, gas stations and the like should be in close proximity of your home selection. Note on your selection checklist how far from home to the nearest shopping centers. Checklist where you would go from your home to shop.
21. Sidewalks: This checklist point for home selection is important for families with children. If there are no sidewalks, then children wont be able to easily walk to visit friends, ride bikes, or do other activities children love to do. Also, checklist if you like to take strolls or walk for exercise yourself.
22. Amusements, churches, activities: If you have activities you like to do, consider the drive time from the home selection. Will your childrens movie visits on Saturday become a long drive? Are at least a few doctors nearby the potential home? Amusements your family enjoys should be reasonably easy to reach.
23. Neighborhood Lighting: If you like to go out at night, or your children will be playing outside, is the area well-lighted? Not only are these selection criteria important for your children, but burglars just hate a well-light home and neighborhood! Checklist some safety issues you need before considering a mortgage.
24. Traffic: If you have children, your new neighborhood should be low traffic. Also, traffic equals noise. Consider this important fact as well. A home on an expressway has frustrated many.

This home selection checklist points are meant to help you think to checklist important home selection options before obtaining a mortgage for a home. Make yourself a custom home selection checklist that includes the things that matter to YOU and YOUR FAMILY, and then take this along when home shopping. With a checklist in hand, you can make the selection that will make you happy for years and years!

The Mortgage Resource Center is a free online resource. We offer unbiased mortgage information on special situations including poor credit loans, foreclosure, first time home buyers, and more.

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Never doubt that a small group of thoughtful committed people can change the world. Indeed, it is the only thing that ever has. Margaret Mead.

"The difference between a small business owner and a successful entrepreneur is the presence of a TEAM," says Robert Kiyosaki, in Retire Young, Retire Rich. "Entrepreneurship," says Kiyosaki "is a team sport."

As you start your new health care practice and prepare your business plan, include a section in your management plan about your support team. We all need to surround ourselves with positive, helpful people as we go through life. If you want to have a successful health care practice, you need to work with a team who will support you in your efforts to start and grow this practice.

So who should be on this team? Anyone you choose who you feel can help in setting up your practice and supporting its progress. Some possibilities:
1. Your attorney
2. Your CPA
3. Other professionals in your field in the community or an adjoining community
4. Your spouse or parent
5. Your banker
6. An old friend who is in marketing (or web design, or advertising)
7. A success coach (more about this later)

Construct your team by looking for individuals who can fill specific functions:
1. A financial guru, who can help you through the setup of your books and be sure you're on the right track at tax time. This person should also help you look ahead to when your practice is going well and you need to minimize your taxes, provide employee benefits and, yes, evaluate tax shelters.
2. A coach, to help you "envision, clarify, create and sustain" your results. Successful people have coaches. You need one too. You'll be amazed at the positive effect on your life and your business. Here's what a great coach can do for you: - Clear out your mental obstacles to success - Help you clarify your goals - Keep you accountable for progress - Give you momentum over the tough spots.

Your coach doesn't have to be local; it's more important that you feel comfortable with the coach's style and you are compatible. For a list of coaches, go to "Coach U's "FindACoach" or Coachville

1. A marketing guru, to keep your marketing plan sharp and help you refocus when you need to make changes. This includes a web page designer and branding expert.
2. A visionary thinker, to help you see into the future and keep you motivated to get there.
3. An attorney or someone with a broad knowledge of small business law. You'll need this person anyway, so why not get him/her on your team too?

What are the requirements for these individuals to join the team?
1. They must have some specific area of expertise that you can draw on for knowledge, as discussed above.
2. They must be positive, supportive people (no "nay-sayers" or "party poopers" allowed). Mark Twain said, "Keep away from people who try to belittle your ambitions." If you ask someone to be on your team and he/she seems too negative, politely remove the person. One negative person can destroy a great team.
3. They must be willing to commit some time to meeting as a group and individually with you over a period of time (possibly years).

Why would these people want to do this?
1. They care about you
2. They are excited about your practice
3. They are flattered to be asked
4. In some cases, you're paying them.

What's the difference between this team and my corporate Board of Directors? They might be the same group, but probably not. Your Board has fiduciary (financial) responsibility for the success of your practice; your support team does not. You can get your support team together more often than the Board, for different types of issues.

How do I get these people together? Do they all have to be in the same place at the same time? With the Internet, everything is possible. Team members can be anywhere and you can connect with them via free conference calls try http://www.freeconference.com or others.

What do I do with these people once I've identified them? Invite them all to breakfast and ask them "What is the one thing I should do to make this practice successful this year?" Then sit back, let them talk, and take notes. Do it once a month for the first year or two, then once every other month. Give them your business plan and have them discuss it at the first meeting. Ask them, "What do you think? If you were a bank, would you lend me money? What can I do to improve this plan?"

The first few months after you open, they will be helping you work through the startup decision process ("Should I be a sole proprietor or an LLC?" What phone service is best? What marketing approach will work best in this community?"). Later, they will be keeping you motivated, review your sales and expense figures, deal with issues of the moment, and determine additional strategies.

The point is that you don't just designate people to help you. Talking to each of these people individually is helpful, but it isn't everything. Get them together on a regular basis. There is synergy (whole is greater than the sum of its parts) in having people talk with each other and focus on one issue or problem.

What if they don't want to participate? For some of these people, you may have to provide payment. Your attorney, for example, might have to bill you for the time. But in a small town he/she might be willing to participate for nothing more than a free breakfast. People love being asked for their advice and they love being involved in something new and exciting. In a small town in particular, they will catch on quickly to the benefit of your practice to the community at large, and to them.

What if I can't afford to pay people? Find people who will help you for nothing. Check your local chapter of SCORE. Find a business owners group. For example, there are several groups for women business owners, like NAWBO which has chapters across the country. Start networking by joining the Chamber of Commerce and find someone else who is starting a business and be supports for each other. One of my grads is starting in a small town where a new dentist is also just starting; sharing startup experiences and discussing joint marketing efforts have been found very useful.

Check the local community college for students that might need to add to their portfolio by contributing their marketing expertise. You may find a great person who is willing to help you for very little.

Motivational speaker and writer Brian Tracy says, "Teamwork is so important that it is virtually impossible for you to reach the heights of your capabilities or make the money that you want without becoming very good at it." Remember that you ARE the 5 people you spend the most time with. So if you want to be successful, get yourself a positive, knowledgeable group of people, form your practice success team, and get going!

Management AdvisorsTeam Building for business startup http://www.professionalpracticesuccess.com

Search engine optimization is an amazing process of increasing traffic to your website by ranking it high in the search results of a search engine. Today more than 400 million people are using search engine optimization to establish their product or service; hence it automatically becomes essential for the business as well. There are many leading Internet marketing company offering you search engine marketing solution and brilliant strategic Internet marketing. You can get fastest and highest ROI among all search engine optimization companies. You will also have full-service SEO solution to generate great sales and marketing results.

Internet marketing business today is highly competitive enough to be confusing even for those who are expert. How to select effective pay-per-click campaign? How to get best company for search engine optimization? How to get optimized content that can achieve high rankings? And many more questions goes on an on. Hence, it is important for an SEO consultant to understand the clients business and marketing goals to improve the strategy and approach for a winning SEO campaign. Ideally, the SEO Consultant needs to understand things like:

Business Objective

Targeted Audience

Media Mix & Dates

Creative consideration

Six Sigma Strategies

Success Metrics

Dependencies

Methods of Measurement

Many SEO companies have strategies may or may not be working. SEO Consulting service reviews your resources and strategy and assists you in identifying adjustment, which can be made. They would also discuss how to appraise and fit in important metrics into your campaign management. With these companies you just need explain your requirements and why you feel you might need assistance. And they would show you how to increase the return on investment from your efforts.

It is significant to note that we could help guide your search engine marketing approach, making the search engine optimization talk worth far more than learning about your website. We offer SEO web design services, which utilize the best SEO methods; webmasters and business owners could now take advantage of our expertise. If your web site isnt working as hard as you, you should be concern why? So appoint the specialist search engine consultant and professional SEO services that can help.

Tamil Selvi is a SEO Copywriter of Web design penticton
She written many articles in various topics.For more information visit: Vernon web design
Contact her at atomic55.net1@gmail.com