Swimming Pools

There are a large number of people who pursue swimming as an exercise, profession or a sport. There are countless benefits of swimming such as increased cardiovascular stamina, better blood circulation and weight control. It is a low impact aerobic activity and a great stress reliever. Most people have realized the advantages of swimming and the financially well-placed people even include swimming pools in their houses. Typically, swimming pools must confirm with hygiene and safety standards. It is a very expensive affair to maintain swimming pools. Swimming pool waters must be treated with appropriate chemicals to make it germ free.

There are various types of swimming pools. Public pools are usually included in the premises of recreational centers. A lot of recreational centers may include a variety of pools such as a heated pool, children's pool and a paddling pool for toddlers. Many recreational centers also have a spa pool or a Jacuzzi pool. Though, traditional pools are rectangular in shape, pools of other shapes also exist. More contemporary pools also include beautiful fountains, waterfalls, and wave machines. Competition pools must be constructed in compliance with the standards set by sports authorities. These pools are usually indoors in controlled settings. The pool water is regularly heated to facilitate use of the pool throughout the year.

There are various swimming pool accessories available for sale at local swimming pool equipment supplier outlets and on the Internet. A good swimming pool cover is required to protect the pool from debris and dirt. It also protects children and pets from accidents due to accidental fall in the swimming pool. Pool owners must also have a good skimmer to remove debris from the water surface. It is advisable for pool owners to pour antifreeze solution in the plumbing system of swimming pools located at places having extremely low temperatures.

Generally, all pool owners at least have basic pool furniture that includes a couple of lounge chairs, a pool table and a canopy umbrella. Pools are usually painted with pool paints that are generally water or rubber based. They protect the pool surface from harsh weather changes.

Swimming provides detailed information on Swimming, Swimming Pools, Swimming Pool Supplies, Swimming Pool Covers and more. Swimming is affiliated with Sky Diving.

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Removing Your Belongings

It is inevitable. When you sell your house, you will have to go through the time-consuming process of sorting and packing your things to make way for the new owners. You really should not wait until the last minute before you start putting your personal belongings into cardboard boxes. To save yourself time and effort, you can start putting things away the minute you put your house up on sale. You can start by identifying which items you use frequently and which ones can go to storage (and wont be missed) and start packing these. Remove unnecessary furniture pieces and accessories and keep the contents of each room to a bare minimum, leaving only the essentials. Finally, start pulling down personal items and memorabilia like trophies, photos, and other little keepsakes.

Another reason why you should de-clutter your house as early as possible is to prepare the property for open house events. Not only will your house look cleaner and brighter, a neat and de-cluttered house also appeals more to buyers. Buyers sometimes find it difficult to make an unbiased decision when they see a lot of personal mementos all over the place. If sentimentality is not a problem with your potential buyer, having a good imagination may be. With all your belongings still in place, most buyers find it hard to visualize the property with their things in it.

When you have sorted out all your belongings, you have the option of either putting everything in a storage facility (which is often rented out) or simply dispose of all the things you dont need. You can donate these items to charitable institutions (i.e. The Salvation Army, Goodwill, Red Cross), or sell them at garage sales.

This is article is brought to you by Gloria Smith at LegalHomeForms.com. Created by a former, licensed Real Estate Agent, LegalHomeForms.com was designed to offer instant access to the most sought after type of real estate forms. Find more Home Selling Tips at www.LegalHomeForms.com

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The Race Car Inspired BMW M3

German premier automotive maker BMW continues to maintain its hold as the top selling luxury auto brand in the world. Battling with archrival Mercedes-Benz year in and year out for the highest laurels, BMW continues to constantly tweak its existing line and add new vehicles to its line in a bid to stimulate and strengthen customer interest. One area where BMW has found much of its recent success is with its race car inspired line of vehicles, the M Series. Since 1979 various Motorsports [M} tags have been affixed to vehicles that have been developed by the BMW Motorsports division, including the BMW M3 a car based on BMWs popular 3 Series. Today, BMW engineers are hard at work on developing an all new BMW M3 and, if all of the auto buzz is correct, very few cars will be able to keep up with this 400 hp road commander. Please keep reading for a closer look at the all new, soon to be released, BMW M3.

A pitched battle in autodom continues to gather force pitting German automaker against German automaker. Legendary Mercedes-Benz is taking on heralded BMW for the right to call themselves the top selling luxury brand in the world. For years, the honor belonged exclusively to Mercedes-Benz, but a recent stumble on Mercedes part coupled with a surge of new products from BMW has placed BMW in first place. Not far behind the two is Lexus, the luxury division of Toyota, but for now the battle remains a fight between these two German automakers.

For luxury car enthusiasts, the BMW-Mercedes rivalry has been a win-win battle as both automakers have been pouring engineering funds into their vehicles. Neither automaker is resting on their past achievements; instead both are pressing forward to add the latest safety features including Mercedes Night Vision Assist and BMWs impact absorbing bumpers which absorb stronger impacts without damaging the vehicles main body. Safety is one of the chief concerns for consumers when selecting a particular luxury brand according to all of the leading automotive industry surveys.

For BMW, its latest automotive project has been a closely guarded secret until very recently. Camouflaged spy shots of the all new BMW M3 have been circulating on the internet for some time now but only since June has a pre-production version of a fully unclothed BMW M3 been spotted. It was seen navigating the twisting roads of Southern California according to The Car Connection, the vehicle information and shopping site.

For BMW enthusiasts, news of a BMW M3 pre-production sighting means one thing: BMW will soon announce the date in 2007 when its latest M Series car will be available in dealer showrooms.

Right now, the current BMW M3 is still based on the fourth generation 3 Series which was replaced in 2006. The new BMW M3 will be based on the latest generation body frame and feature some notable improvements over the previous BMW M3 model including:

A larger, more potent V8 engine with an output of 400 horses. Currently, the BMW M3 features an inline six engine with a 333 horsepower output. The new model is expected to rocket from start to 60 in under 5 seconds, topping out at 155 mph.

A six or possibly seven speed manual transmission.

A longer wheelbase for better weight distribution.

Styling cues from the BMW M3 will find its way to the new model from front wing vents to twin exit exhausts along with the ubiquitous M series recognized emblems.

For Mercedes enthusiasts they can point to the soon to be released 2007 C Class, which is the direct competitor for the BMW 3 Series, as evidence that DaimlerChrysler will not let BMW out of its crosshairs anytime soon. A new AMG [motorsport] version of the C Class will follow, ratcheting up what is certain to a pitched battle to be enjoyed by compact luxury car devotees worldwide.

Additional competitors to the BMW M3 include the Cadillac CTS-V, the Audi RS4, and the Lexus IS. Prices have not been set for the new M3, but they can be expected to top out at around $60,000 fully equipped.

Copyright 2006 -- Matthew C. Keegan is a freelance automotive writer covering classic, current, and future models for All About Bimmers. You can find quality BMW M3 and BMW M5 SAV parts and accessories at the All About Bimmers shop.

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Educated Choice

The more you and your employees know about your health care plan choices, the easier it is to control costs. By Cathy Aguirre

How to control health care costs continues to dominate discussions among benefit administrators, chief financial officers, CEOs, insurance brokers and health benefit companies. When you lower your costs, your employees often react by thinking they will receive fewer benefits.

Offering a choice of plans, having a sensible contribution strategy and providing employee education can hold costs down and satisfy employees.

Choice, Choice, Choice

Offering a choice in benefit plans, choice in network access and choice in monthly costs are some of the best ways to keep health care costs affordable. Whether you have 20 employees or 1,000, find a health benefits company that can offer you several plans for employees to choose from.

Typically, employers offer very little choice in health benefit plans. Successful benefit administrators understand that every employee has unique health care needs. Why not offer employees three or four plans to choose from?

The level of benefits employees choose will relate directly to how much they utilize health care services and what they can afford.

Most health benefit companies offer the following types of plans.

Traditional HMO. Lowest-cost plan, all care is coordinated by a primary care physician; employee must stay in network

Open access. A slightly higher-priced plan allowing the employee the freedom to selfrefer to specialists in the network. More freedom equals a higher cost.

Point of Service (POS). A less affordable plan for most, with more freedom; employee can access HMO benefits/network and/or pay higher co-insurance and choose any doctor

Preferred Provider Organization plan (PPO). Greatest freedom, highest cost; total network access and out-of-network benefit, self-refer to specialist

Developing a contribution strategy

Now that you have decided to partner with a carrier that can offer your employees the choices they need, how do you stay within your companys budget? The answer is simple be fair and consistent by implementing a defined contribution strategy that fits your companys budget. This process can be accomplished in two easy steps.

1. Determine what dollar amount per employee your business can afford.

2. Select a carrier that can offer you four plans that will satisfy your employees health care needs.

Heres an example of how a defined contributions strategy could work for you (based on a health benefits budget of $180 per employee, per month).

In the example in the chart above, your company accomplished two very important goals: You controlled your companys costs and you offered your employees choices.

With a defined contributions strategy, your employees are responsible for evaluating what they need and how much they are willing to pay.

A choice of plans with a defined contribution strategy is two-thirds of the employers cost saving equation. By adding employee education, you could see a change in behavior that can lead to significant savings. The more informed employees are about the true cost of health care and how their choicesdirectly affect their pocketbook, the more likely they are to become partners in controlling costs.

Most health benefit carriers provide members with an Explanation of Benefits for all claims processed, which contains the cost of services. Web-based tools offer plan information and are user-friendly. At workshops and mandatory open enrollment educational meetings, employees can speak directly with a carrier representative.

As health insurance premiums continue to rise and more employers face very difficult decisions, offering a choice of plans can keep your employees happy and satisfy your bottom line.

CATHY AGUIRRE, vice president of account services for VISTA, has more than 18 years of experience in managed care marketing. Aguirre provides leadership for all of VISTAs commercial accounts, which include Broward County government, The School Board of Broward County, Broward Sheriffs Office, Miami-Dade Government, Sears, Walgreens and United Airlines. Reach her at http://www.vistahealthplan.com

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Top Ten SEO Tips Anyone With A Website Can Implement

Im going to start with the basics here. The following are ten things everyone with a website should know to gain online visibility in search engines. These are the basics of the basic and when applied will give you a firm basis to start a long term Search Engine Optimisation campaign. The structure of your website is important, just as much as the structure of your link building campaign. I know these may seem rehashed, but they are the building blocks for a good SEO campaign.

1) A Keyword Rich Domain. While not always possible, when setting up a new website, consider setting it up on a domain that contains the sites main keywords. Search Engines give considerable weight to a website with keywords in the URL. Never use a keyword stuffed domain (ie. www.your-key-word-here-and-another.com)

2) Title Tag.

The title tag on your page is the most powerful on page factor you can control as a webmaster. Use it wisely. Carefully choose which keywords are going to go in here and remember that it will be read by humans as well as search engines. Never stuff keywords into your title. It only devalues its weight and makes you look spammy.

3) Heading Tags.

The second most important on page factor you can control is the heading tags. Not only are they useful for search engines to determine the context of your document, it is semantically sound HTML practice.

4) Bold, Strong and Emphasis Tags.

While there is no set answer to which carries more weight, assume that both are the same. Emphasize keywords in bold using the BOLD or STRONG tags. Search engines give more weight to keywords if they are emphasized.

5) Keyword Rich Text.

It is always possible to rank for search terms when they are not on your page but using them sparingly will only help increase your search engine visibility for these keywords and

6) Structured Navigation And Correct Internal Navigation.

Make it easy for search engines to index your entire site. Use a text link navigation. I this is not possible, use a sitemap or second text navigation in the footer of your site.

7) Keyword Rich Internal Links.

Use your sites main keywords in the anchor text when linking to pages within your site. This not only describes the link to your visitors, it also lets the search engines know what content is on the page being linked to.

8) Avoid Flash.

While some search engines claim that they can index some flash content, it is still in its infancy. An entire website does not need to be built in flash. Use it wisely and make sure any text that is output by flash is rendered as html text so search engines can see it. If possible, avoid flash completely.

9) Avoid Duplicate content.

Search Engines do not like duplicate content. Make sure all the content on your website is different on all pages. Many navigation elements, headers, footers etc. is the same, but make sure that each page has marginally more unique content. Some search engines give a penalty for duplicate content, while others just ignore it. Just make your content unique. If anything else, it benefits your site visitors.

10) Keyword Rich, Relevant Inbound Links.

A relevant, keyword rich inbound link is the holy grail of online marketing. There are many ways to get quality inbound links to your website. Directory Submissions, Article writing/marketing, Press Releases, Posting in forums and blogs, Link Exchanges. Obtaining inbound links is the undisputed king of SEO tactics.

David Davis, is the lead internet marketing strategy manager of Redfly Marketing SEO Ireland. For more information visit http://www.redflymarketing.com

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Effective Trademarks - How to Select a Good Name

Your trademark is the most important asset your business will ever own. A good trademark will distinguish you from the competition and help you stand out in a crowd. A poor trademark will entangle you in legal disputes and blunt your marketing efforts. Selecting a good trademark is as simple as following these guidelines.

First of all, avoid Trademarks that cannot be Registered. There is no point investing in a trademark that you cant register. Registering the mark protects it from competitors, ensures your ownership rights in the mark and makes it easier to enforce your rights against copy cats. As you will read below, certain types of words are inherently poor choices as trademarks because they cannot be registered.

Avoid Purely Descriptive Words. Words which describe the nature or quality of the goods or services sold with the mark are not permitted to be registered. Hence, the mark Cold Beer for use with malt beverages cannot be registered because it describes the actual product being sold. If registered, it would prevent anyone from using the terms Cold and Beer to describe a malt beverage.

Avoid Surnames. Surnames cannot be registered as trademarks. Hence the mark Wilson Power Boats is a poor choice for a trademark because the word Wilson is a surname (and the rest of the mark is descriptive).

Avoid Confusing Trademarks. A trademark which is confusingly similar to a registered trademark cannot be registered. Hence, the mark Sun-Screen cannot be registered if the trademark Sun Screen has already been registered for a similar type of product. A search of the US Trademarks Database and/or the Canadian Trademarks Database is a good idea.

Avoid Generic Words in a Trademark. The goal is to select a trademark which is as unique and distinctive as possible; therefore, avoid generic words. Examples of generic words include green, superior, American, Canadian, deluxe, gold, economy, premium and a plethora of others. If you incorporate generic words into your trademark, then you blend into the crowd, not stand out in front of it. Geographic words fall into this category.

Avoid TLAs (Three Letter Acronyms) and Numbers. IBM, CNN and ATT are distinctive trademarks because their respective owners invested tens of millions of dollars into making the marks famous. Even a poor trademark can be made famous if you through enough money at it. But acronyms are intrinsically difficult to remember, while words, especially colorful words, are easily remembered. Hence ELS System Solutions is not as memorable as Volcanic Silicon. Likewise, avoid using numbers in a trademark as they tend to be less memorable. Furthermore, there are a limited number of unused acronyms available, so there is an excellent chance that your TLA will be confused with another.

Do use invented words. Invented words are words which do not exist in any language, apart from your trademark. Examples include SPANDEX, EXXON, KODAK, VIAGRA, and several other famous trademarks. Invented words are a good choice because they tend to be quite distinctive. You can create an invented word by simply combining parts of other words. For example, MICROSOFT is a combination of Micro computer and software.

Try animal or plant names. Animal and plant names tend to be quite memorable and, if used correctly, can convey a good image while still being distinctive. APPLE COMPUTERS, TIGER DIRECT, and Ford MUSTANG, are good examples.

Finally, make sure that the first word in your trademark is as distinctive as possible. It is often necessary to add descriptive words to the trademark in order to convey what is being sold or marketed in association with the mark. If generic words must be included, then it is vital that the first word of the mark be as distinctive as possible.

Elias Borges is a patent and trademark lawyer and a registered patent and trademark agent with the law firm of Borges & Rolle LLP in Toronto, Canada. http://www.borgesrolle.com/

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Guitar Tablature: Learn To Play Twinkle, Twinkle Little Star With Guitar Tab

Even if you haven't played guitar tablature before you can impress or maybe shock your friends by playing Twinkle, Twinkle, Little Star. Let's start playing guitar tab!

Twinkle, Twinkle, Little Star is a popular English nursery rhyme with the French melody Ah! Vous dirais-je, Maman. You can play this song on the first three strings on the guitar.

The text is from a poem, "The Star", by Jane Taylor. It was first published in 1806. Here you have the English lyrics:

Twinkle, twinkle, little star,
How I wonder what you are!
Up above the world so high,
Like a diamond in the sky.
Twinkle, twinkle, little star,
How I wonder what you are!

We will use guitar tablature so you will not need to read sheet music. You will only use the thinnest strings on the guitar. The string with the highest pitch is called the first string or E-string. Look at the following guitar tab:

1. 0-0-0-0-----------------
2. --------1-1-1-1---------
3. ----------------2-2-2-2-

This is a tablature staff and the four number 0 indicate that you play the first string four times without pressing down any finger on your right hand. This is called to play on an open string.

The four number 1 coming after is played on the second string pressing down your first finger on the first fret. Then you will play the third string four times pressing down the string on the second fret. This is what the previous guitar tablature notation is telling you.

Let's play the first notes of Twinkle, Twinkle, Little Star with guitar tablature:

1. ------------0--0--------------------------
2. ------3--3-------3----1--1--0--0----------
3. 0--0-----------------------------2--2--0--

If you want to use your left hand in a professional way you can play the guitar tab notes on the first fret with your first finger, notes on the second fret with your middle finger and the notes on the third fret with your ring finger.

Now it's only one guitar tablature part left:

1. 3--3--1--1--0--0-----
2. ------------------3--
3. ---------------------

After having played this part twice, go back and play the first guitar tablature part and the melody is complete.

Now when you understand guitar tablature notation you can find many songs written this way on the internet. Search for guitar tab or guitar tablature. A complete guitar tablature staff has six lines representing the six strings.

If you have an ukulele hanging somewhere you can use the previous tablature too. The first three strings on an ukulele is tuned the same way as on the guitar.

Just one more thing for you to do. Play the song for your friends! Good luck!

Peter Edvinsson is a musician, composer and music teacher. Visit his site Capotasto Music and download your free printable sheet music, guitar tab and learn to play resources at http://www.capotastomusic.com

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Property Insurance Claims Help - Dealing With Your Insurance Company

Any time you have property damage to your residence, you have to go through your Insurance Company to recover money for your losses and to rebuild what was lost. If you are like a large sum of property owners, you walked away with a check from your insurance company with barely enough funds to cover half of the work that has to be done to get your home back in shape.

This happens because of a couple of reasons. The first reason this happens is because of the nature of the Insurance Industry. They are in business to make money. They also hire their own Insurance Adjusters to estimate the amount of property damage you have to your home and how much it will cost to fix it. Since the Insurance Adjuster in this case works for the insurance company, you have nobody that is evaluating the damage with your thoughts in mind.

The second reason that Insurance Companies underpay their property owners is simply because the average property owner doesn't know any better. They see the insurance company and their Adjuster doing work, and when they come up with a payment number, it is automatically accepted that this is how much they should be paid for the damage.

A little known fact is that all property owners can choose their own contractors and get multiple bids on conducting repairs to their home. You do not have to take the lowest estimate of the bunch. The lowest estimate could mean the work will also be the lowest quality. You, as a property owner, have the option of selecting the contractor with the highest estimate if you choose, and that is what the insurance company has to go by.

The problem with this option is that the average property owner doesn't know how to go about this process. It can be very tedious, overwhelming, and plain confusing. The good news is that you can get an Insurance Adjuster that works strictly for the policy holder and has only your interests at heart. This type of Adjuster is referred to as Public Adjuster. A Public Adjusters responsibility is to work with and for the policy holder and to get every penny they deserve out of the insurance company. Property damage claims that are handled by a Public Adjuster include fire, wind, water, flood, hurricane, theft and many others.

In many states, a property damage claim can be reopened up to five years after it was claimed. If you feel that you were underpaid by your insurance company on a past insurance claim, a Certified Public Adjuster can help you recover those extra funds.

Adam Woodrow is a Homeowner and Webmaster for www.USALoss.com Public Adjusters helping homeowners collect on underpaid insurance claims. Half of homeowners are underpaid and don't even know it.

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