This is a FREE Insurance Claim Guide

Your "Motor Vehicle" can be a truck, car, motorcycle - - you name it! If it's powered by a motor and has one, two, three, four (or even more) wheels this "Guide" is for you.

The information below is a bare-bones "Guide" for those who have had such a motor vehicle accident. It details the basics of how one should with their property damage and/or personal injury claim.

AFTER IMPACT CHECKLIST

We heartily suggest you make a copy of this "Impact Checklist" to be kept handy within the confines of your motor vehicle. A "Guide" to refer to so you'll be certain, should an accident take place, that you've covered everything.

Other than the fact that one must obtain from the other operator, both their drivers license and motor vehicle registration information, you should also proceed to do the following:

IMMEDIATELY MAKE SPECIAL NOTE OF: Names and addresses of eye witnesses. And later the investigating police officers name and badge number. WEATHER CONDITIONS: Snow, rain, fog, mist, sleet, etc. ROAD SURFACE: Dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, etc. VISIBILITY: Sunny, cloudy, dusk, night, moonlight, etc. (Was the sun in the other driver's face)? TRAFFIC CONTROLS: Were there overhead lights? Posted speed limit signs? Stop or warning signs? Hospital or school zone signs? CREATE A DIAGRAM: Driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, cobblestone, dirt, etc. Indicate the width of street. Show the location of impact, gouge and/or skid marks. CONDITION OF MOTOR VEHICLE THAT STRUCK YOU: Age and general overall condition. Is their state inspection sticker displayed and up to date? Were chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE SCENE AND SNAP PHOTOGRAPHS: It's most important to take pictures of: Skid or gouge mark's on the road surface plus the damage to both vehicles. PHOTOS OF YOUR BODILY INJURIES: It's crucial to the ultimate value of your claim to snap a multitude of colored photos (up close and from different angles) of your bodily injuries - - especially all black and blue marks or bruises.

INSIGHTS INTO HANDLING YOUR CLAIM (There Are Six Areas You Must Be Familiar With) 1. Out-Of-Pocket Expenses 2. Lost Time From Work - Lost Wages 3. Property Damage Losses 4. What Your Medical Doctor And/Or Chiropractor Reports Should State 5. Medical Payments Coverage 6. What To Do If An Adjuster Refuses To Cooperate

You Should Go Into Detail Regarding These (Below Listed) Six Areas:

(1) OUT-OF-POCKET EXPENSES:These are expenses that can be measured in definite sums of money. They are the foundation of the calculations used to award damages (including that often great and extra amount paid to you for your "Pain and Suffering") regarding any financial loss flowing directly from the injury you may have sustained.

MEDICAL EXPENSES: Obtain all bills and services rendered. (Prior to their being sent out, you have ever right to ask for and read the crucial Final Reports regarding your physical condition from your Doctor, Chiropractor, "Medical Specialist" and/or Dentist).Medical Expenses Typically Include: Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Laboratory Fees and Services ~ Diagnostic Tests: (X-rays and/or CT Scan) ~ Registered or Practical Nurse Fees ~ Medicine and/or Prescription Medications ~ Prosthetic Appliances or Surgical Apparatus (Canes & crutch, etc.) ~ Physical Therapy ~ Ace Bandages, Gauze & Tape ~ Heating Pads ~ Creams, Ointments, Balms & Salves. As you read them make sure these Medical Reports include the length of time of your "Total Disability" and/or your "Partial Disability". These are of enormous value because they justify the often HUGE, extra payment made for your "Pain and Suffering" . (Plus this information will also prove your claim for Lost Wages).

NON-MEDICAL DAMAGE EXPENSES. These include: Lost Wages and Earnings ~ Lost Vacation Time and/or Sick Leave ~ Travel Expenses: (Transportation costs incurred getting to and from The Doctor and/or Hospital, etc.) ~ Household Help During Disability ~ Child Care During Recuperation.

(2) LOST TIME FROM WORK - - LOST WAGES - - YOUR "LOSS EARNING CAPACITY": The weeks, hours and/or days you were unable to work (thus the money you may have lost) is added up and documented on company letterhead. You're often entitled to compensation for "Lost Time and Earnings" even if you have no actual loss of money ! Such as, for example, if your salary is paid by some other insurance coverage you may have or by taking sick leave or some other similar arrangement. It doesn't matter if you're employed full time, part time, self-employed, own your own business, retired, unemployed, or a housewife not employed outside the home, you should keep a written record of all household help and/or child care needed during your disability period.

All of these constitute an element of your "SPECIAL DAMAGES" mainly "Lost Wages". Insurance companies usually don't view your time away from work (because of an injury) as "Lost Time And Earnings" but as "Lost Earning Capacity". In most states one is entitled to compensation for lost time and earnings even if they have no loss of money. For example, when your salary is paid for by another insurance coverage you have or by taking sick leave and/or some other similar type of arrangement. There are specific situations to be considered and called to the forefront when it comes to being employed either full-time or part-time. More detailed information (regarding these above stated area's of your loss) are found in CHAPTER FOUR "Damages" within the book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.

(3) PROPERTY DAMAGE LOSSES: "AGREED COST TO REPAIR": This figure has been negotiated between your damage repair person and the insurance adjuster. Be sure you know (and possess a written copy of) exactly what that figure is.COLLISION: There's usually a deductible. Read your policy. (If you're not at fault you should eventually be able to get this money back).PROPERTY DAMAGE LIABILITY: Protects you for damages you do to the property of another (i.e. his or her trees, lawn, shrubs, mailbox, etc.) EXCLUSIONS: These are stated in your policy. A good rule of thumb is, "If it's not excluded, it's covered". Read your policy closely to discover your exclusions and how they apply. TOTAL LOSS: A "Total Loss" is when the motor vehicle damage exceeds the value of the vehicle, as stated within all of the up-to-date and "Official" Property Damage books and/or documents. OTHER PROPERTY DAMAGE LOSSES: Clothing, jewelry, watches, eye or sunglasses, etc. You can also collect for your (or any other individuals) personal property which happened to be in the car and was damaged. (Be sure to have written proof of the cost of each item damaged plus the date it was purchased). Never forget: You're entitled to be reimbursed for any charges you may have incurred for towing, storage and/or substitute motor vehicle rental, or for that matter - - any other alternate transportation.

The above is a very brief review. For more in-depth information read CHAPTER FIVE: PROPERTY DAMAGE found in AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.

(4) WHAT YOUR MEDICAL DOCTOR AND/OR CHIROPRACTOR REPORT SHOULD STATE: Each "Injury Evaluation Factor" should be clearly stated within each of your final Medical Reports. For example: That your disability is solely the result of the accident. If there were any pre-existing conditions aggravated by your injuries? What treatments were administered and for what duration? What medications were prescribed, in what amounts and for how long? What symptoms or medical problems were such medications meant to relieve? Were there any adverse reactions demonstrated? Ask to read them before they're sent to the adjuster so you're sure it explains the nature, plus the extent and frequency of the pain that an injury, such as yours, will likely cause.

PROGNOSIS: This is the clearly stated information (regarding your personal injury progress) and should include: The part played by a pre-existing condition, if any? Their prediction of any possible future temporary disability/impairments? Does the individual attending you anticipate any further or future treatments? LENGTH OF YOUR "TOTAL" DISABILITY: Why? Because it's so important (when it comes time to settle) this is clearly stated in weeks and days. LENGTH OF YOUR "PARTIAL" DISABILITY: Again (and for the same reason as above) this too should be clearly stated in weeks and days. (Specific details, regarding both "Partial" and "Total" Disability , and the incredible value it provides for you in your claim, are found in CHAPTER SIX: YOUR BODILY INJURY).

(5) MEDICAL PAYMENTS COVERAGE: If you have this coverage in your motor vehicle policy, it will pay (up to the limits stated) for all medical bills arising out of the accident - - regardless of who's at fault! (You must read your policy carefully because the "Who", "Why" and/or "How" of this often differs).

A WORD ABOUT HEALTH INSURANCE PLANS: In certain instances, it may be possible to have your medical bills paid and yet avoid any repayment by tapping into your health insurance coverage, or some other plan you may have. (Yes, this means, under certain circumstances, you may be able to collect twice for the same medical bills)!

(6) WHAT TO DO IF THE ADJUSTER REFUSES TO COOPERATE? These Are Your Usual And Routine Choices: a. Threaten that you're going to obtain the services of a lawyer to represent you. b. Go over the adjuster's head. c. Resolve your loss in Small Claims Court. d. Contact the proper people (working through the State Department of Insurance) implementing the time honored principle of "Good Faith" vs. "Bad Faith".

All the information necessary for you to deal with and handle the above issues are spelled out within the contents of AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured are worth.

DISCLAIMER: The only purpose of this article is to help people understand the motor vehicle accident claim process. Dan Baldyga, does not offer a guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBLY to obtain such services.

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved.

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Craving for the sexiest ladies watch ever? Well, your search is over. Sekonda's range of watches named Seksy is the perfect timepiece for all women who strive to make that sexy statement. This series of watches was introduced by Sekonda in 2004. Since that time onwards the range has been undergoing constant changes to be in sync with the fashion needs of the ladies.

Seksy watches compliment women of all age-group and are a perfect wear for all occasions. They are a must-have for all those fashion forward ladies who want to make their presence felt. Sekonda is famous for the history of watch-making and since Seksy comes under the umbrella brand, the fine quality and precision of the watches need not be highlighted.

The stylized look of each timepiece throws light on the fact that the creator has immense experience and in-depth knowledge of the finer details in watch manufacturing. Similarly, a lady with a Seksy watch on the wrist would be regarded as extremely stylish, fashion-savvy and high class.

Some of the best-selling models by the fashion brand are:

• Ladies Seksy Curve Watch 4009: This model has a very interesting bracelet look to it. It comes with Swarovski crystals studded on one side of the dial and runs across the metal strap. The metal strap can be adjusted in accordance to the size of the wrist. This beautiful timepiece would compliment everything that you wear.

• Ladies Seksy Hidden Heart Watch 4163: This exclusive wrist watch is available with a pink mother of pearl dial. Made of stainless steel, the links of the watch can be adjusted depending on the size of the wrist. The numbers 3, 6, 9 and 12 are marked by Swarovski Crystals.

• Ladies Seksy Electra Watch 4158: This wrist watch comes with dazzling crystals studded on both sides of the bezel. The dial is a little diagonal and rectangular in shape. This interesting shape makes it very popular amongst the ladies and is the unique design suits all moods of the day.

Seksy watches are fun, interesting, sexy and most of all loved by women of all ages. The range of watches suits the fashion-conscious women the best as the wrist watches lend glamour and sizzle to a dull outfit. The best part about the watches is that they are not very highly priced.

Therefore the next time you're going to buy a luxury watch, keep in mind which ones are the hottest with all!

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With a history of over one hundred years, the Seiko watch is one of the most recognized watches in existence today. In Japanese, the word Seiko is translated to mean "success", which is exactly what has transpired with Seiko and its products. In 1924 the first Seiko brand watch was produced. Seiko's "Astron", a quartz watch which cost about the same as an automobile was introduced in 1969. It followed with its chronograph watch.

By this time Seiko was building a reputation for its accurate time keeping, where it was best known for its wristwatches and advanced technology. In addition, its entire line and accessories such as oils and compounds used in the production of Seiko watches were being produced in-house. Even though it was already well known on the international market, Seiko watches were worn by "007 actors" Roger Moore and Sean Connery giving this exquisite time piece even further world wide recognition.

In 2005, Seiko introduced its spring drive which is intended to provide up to seventy two hours of power rather than their usual forty hours. In favor of a Tri-synchro regulator, it replaces the previous balance wheel escapement. Spring power turns the wheels and generates power for the oscillator.

By today's standards, Seiko is known for its efficiency, accuracy, dependability, and performance. Many have tried to match Seiko's reputation but few have endured its staying power. Consumer needs change almost daily and Seiko changes right along with them ( in many cases ahead of them), re-inventing the watch and what it can do. As a fashion statement, Seiko is a cut above its competition, with its UC 2000 computer functioning watch, the Lumibrite and the Ultimate Kinetic Chronograph.

Maintaining its reputation as a kingpin of watch sellers in Japan and worldwide, Seiko is alive in over 60 countries and in 2008 reportedly profited five billion Yen. With it knowledge of keeping perfect time and its reputation for endurance, Seiko was granted the official timer status for the 1964 Tokyo Olympics. In 1968 its durability was responsible for receiving the award for "Best Mechanical Wrist Chronometer" with the highest score ever earned.

With so many years in production and as many different models, finding the right Seiko watch to fit your lifestyle, could present a dilemma, however, here are a few models you may wish to consider. Coutura Kinetic Perpetual snp008, Black Dial Yellow Gold Plated srkz90 and Black/Rose Gold Alarm Chrono snac42 all from the Coutura Collection.

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To be clear about what success is must be the first step to achieving success.

So far, the best definition I have come across is: "Success is the completion of anything intended." In other words success is finishing what you planned to do.

Even robbing a bank is a kind of success if that is what you wished to do. However, you probably did not intend to end up in prison!

The above definition of success shines a light on failure and success. Make a plan and follow it and you will have succeeded. Make a plan and do not follow it and you will have failed.

This gives a yard stick for judging every day of our lives. We can say at the end of the day "I have failed" or "I have succeeded."

This may seem very obvious but it is amazing that only about 85% of the human race end up doing what they intended.

I asked several people what they thought success was. One person said that "Success is making loads of money." Another said that success is "Achieving your goals". Some one else said that success is "Fulfilling your potential". An interesting answer was that success is "Making others jealous".

Brian Tracy agrees with the connection between success and goals. He has said "Success is goals, and all else is commentary." Tracy believes that people with clear, written goals, accomplish far more in a shorter period of time than people without them.

Stuart Goldsmith in "The Midas Method" has an important section on how to set goals so that they are achieved using the full power of the subconscious mind.

Maria Nemeth gives this definition of success: "Doing what you said you would do, with ease".

"Doing what you said you would do" is currently not achieved by the majority of the human race especially politicians! Doing it with ease is achieved by even fewer and requires making the most of the subconscious mind.

Jim Rohn argues that success is just a few simple disciplines practised daily.

The power of daily discipline is HUGE. Because the discipline is practised daily the effect is cumulative. The good practice is carried out 365 times a year with, perhaps, a few lapses.

It cannot fail to have tremendous influence. Once the discipline becomes a daily habit, it can be forgotten about until the rewards start coming in.

The writer who writes every day has written well over 300 pages by the end of the year. If he or she does not write every day they lose momentum and inspiration. If they keep up the writing (even just a few words a day) a magnet for relevant thoughts develops.

Recently a Liverpool student of American media studies applied for 600 jobs and received only one interview which he failed. He decided to write a novel. He determined to complete ten pages a day. He worked in the evenings at a dead end job to make money and then wrote until about 5 in the morning at his novel which has now become famous. It also looks like becoming a Hollywood blockbuster film.

He points out that if you write only one page a day for 100 days you can write a screen play. He wrote his novel by studying the structure of two other novels and noticing how they were structured and wrote his screenplay after studying video of films and noticing how long each scene lasted before there was a change.

I can't remember his name or the name of his book as I just happened to hear part of his interview on television.

The practice of daily disciplines alone can change our lives totally. Another benefit of daily disciplines is that they quickly create habits and habits create character.

A great quote by Jim Ryun, the American Athlete, is as follows

"Motivation is what gets you started.
Habit is what keeps you going"

Another brilliant quote is:

"Try not to become a man of success but rather try to become a man of value."

Albert Einstein

The next quote says more or less the same thing:

"Success usually comes to those who are too busy to be looking for it." Henry David Thoreau

Many would argue that success is not about making money but about developing oneself into a person who is valuable to others.

However, this quite often will lead to making money because people will pay for value. Any one who is very good at their job can usually command whatever pay they wish.

Adam Hollioake is one of the most successful English county cricket captains. He realised what is important in life when his brother Ben was killed in a car accident in Perth Australia. Adam learned that he should be kind to people and have fun and "that's what life is about."

His view of success in cricket is not necessarily winning. He is not afraid to lose a cricket match. He is only concerned that his team put 100% effort into the game. He comments:

"If we do put that effort in we usually win anyway".

Success then is putting in 100% effort whatever the results. More often than not, however, the results will be excellent.

Michael Angier has a great definition of success.

"Success is the result of steadily taking action on our most important goals. When we consistently focus our energies and our efforts upon what matters most, we can't help but be successful".

Angier also admires Ralph Waldo Emerson's comments on success:

"To laugh often and much; to win the respect of intelligent people and the affection of children; to earn the appreciation of honest critics and endure the betrayal of false friends; to appreciate beauty; to find the best in others; to leave the world a bit better, whether by healthy child, a garden patch, or a redeemed social condition; to know even one life has breathed easier because you have lived; this is to have succeeded."

What are the causes of failure and success?

William James, the great American psychologist, puts failure down to lack of faith in one self

"There is but one cause of human failure. And that is man's lack of faith in his true self."

Faith in one self is a huge part of success. Stuart Goldsmith in "The Midas Method" talks about two kinds of belief that are necessary for success. You must believe that you deserve to succeed and you must believe that you have the ability to succeed.

Another big cause of success is discipline.

"The ability to discipline yourself to delay gratification in the short term in order to enjoy greater rewards in the long term is the indispensable prerequisite for success." Brian Tracy

Another cause is the willingness to try to succeed even if the possibility of success is remote.

"Far away in the sunshine are my highest aspirations. I may not reach them, but I can look up and see the beauty, believe in them and try to follow where they lead."

Louisa May Alcott (1832-1888) American Writer

My computer guru, Danny believes that you should hold on to your dream in all circumstances and never let go. Grab hold of your vision with an iron fist and even if you are down on your luck and in the gutter never give up.

Danny himself has held on to a dream for 22 years. His dream is to develop the best languages translator in the world.

It does not matter if you are 72 - grab hold of your dream. Actually visualize your hand holding on to that dream. Too many people are worn down by life and give up their dreams.

Every dream is personal but the principle is the same. You are an idiot if you let go. You have to have a reason for living. Set yourself a goal and never let go until you die.

There is nothing you can't do. If you can't swim 10 lengths without a rest, train for a few months and you will be able to swim 50 lengths.

Danny's comments about swimming reminded me about how little is taught at school about how training can improve your abilities.

At my school in the Isle of Man, there was an annual half mile swim in the sea. I knew I would drown if I attempted this but no one ever suggested that I start training hard so that I would be capable of completing the swim.

I was just classified as someone who could not do the swim. It did not occur to me that through determined training I would be able to do what I could not previously do.

When Danny was young he was a skinny weakling. But one day he decided that this was not a good thing. He filled out and did some weight training and set up his own fitness, strength and flexibility routine.

He performs this every other day. This avoids the boredom of a daily routine. He does 200 situps, 30-50 leg raises and three or four sets of 20-30 bench presses.

He also does 2 sets of 20 or 30 squats with dumbells to develop leg power. The dumbbells avoid the danger of overbalancing with a barbell across your shoulders. There is also little likelihood that you will drop the dumbbells on children or family pets! Dumbells allow for greater control than barbells.

Danny's advice for success is to do something. If in doubt, read a book. The worst thing you can do is sit on your backside watching TV. If you do, nothing will ever happen. He notes the hypnotic effect of TV on the spectators. Danny seldom ever watches TV.

Danny also is impressed by Arnold Schwarzenegger who has just been elected Governor of California. If Arnold wants something, he does what is necessary to get that thing. If he had to eat 50 mars bars, he would eat them. If he had to stand stark naked on his head in a field for half an hour he would.

This is an example to us all. If you have to put stamps on thousands of envelopes to send out your direct mail sales letters, you just have to do it.

The basic principle is that you have to do what is required. Some things require certain actions to achieve them and you have to do them whether you like doing them or not.

It is no good saying I want to be Governor of California but I don't want to do any public speaking or travel on the campaign trail or be friendly to thousands of people you don't like. You have to pick up babies and smile at people you may not like.

If you want to be rich you have to do those things which will make you rich. It's no good saying "I don't really want to do it." Danny gives himself a virtual smack round the head every time he is tempted to give up on his projects.

Some people think they will make money by taking short cuts like suing people or fraud. The world would be a much better place if people just got on with doing what they had to do.

Many successful people stress the importance of action in achieving success.

Michael Masterson of the Ezine "Early to Rise" writes:"Action is the key to success, and failure to act is the reason most people will never achieve the kind of success they dream about"

Another approach to achieving success is to stay cool about it. Just get on with doing what you think is important and what you love to do.

"Don't aim for success if you want it; just do what you love and believe in, and it will come naturally." Sir David Frost

Elvis Presley gave his cousin Donna some advice to help her achieve her goals for the future. It seems good advice to me:

Donna's best memory of Elvis was when she was 18 and she spoke to him one on one. He asked her about her plans for the future and told her she could achieve anything she wanted "so long as you have faith in God;have faith in yourself; work hard and never let anyone tell you, you can't do something".

Elvis himself had plenty of discouragement which he successfully ignored. The later part of his life was not too successful but as Donna commented, we should focus on what he did achieve which was amazing.

Peter Vidmar explains how he achieved success at the Olympic Games:

"There's only two things I had to do to win the Olympic gold: Train when I wanted to, and train when I didn't."

This is possibly my favourite quote of all time. It sums up the essence of success and the will power and discipline necessary to achieve it. Sometimes training will be easy but sometimes it will take effort because one really does not feel like training. This is simple and beautifully easy to understand.

Another quote I like is concerned with the kind of success which depends on people liking your work or product. Don't worry about whether they will like your work. Just do your best and leave the liking or disliking up to them.

"Success has a simple formula: 'Do your best and people may like it'".

Sam Ewing

Any success involves some kind of cost; usually some boring work is involved as suggested in the following quote. The word 'drudgery' sums this kind of work up exactly. Almost any kind of business involves marketing and marketing is the last thing many businessmen enjoy doing.

"Success is the child of drudgery and perseverance. It cannot be coaxed or bribed; pay the price and it is yours".

Orison Swett Marden, 1850-1924.

Mike Litman comes up with golden statements frequently. Here is just one of them:

"The biggest secret of success in life is: You don't have to get it right; you just have to get it going. Perfectionism can kill success. We never get going because we are always waiting to get everything just right. Instead, let's get going."

One success breeds another. Bobby Robson, now over 70, is one of Britain's most successful managers. He should know what creates success. He recently commented about his team's performances:

"Success breeds success"

This makes sense. Write one successful book and you will have the confidence to write another. A lady over 70 wrote a book about overcoming the pain of arthritis. It was a huge success to her total amazement and made hundreds of thousands of dollars. Not surprisingly she has now written two more books.

Success is a key goal for most people but it helps to have a clear idea of what success means to you. I hope this article will have shed some light on possible definitions of success and provided some ideas about how you can achieve your kind of success. 2500

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One of the best decisions I ever made in my 62 years of life on this planet was to become my own boss in a field that is never dull, always challenging, and intrinsically interesting. It was not an early decision. In fact it did not occur to me to enter this field until after I'd already spent ten years as a professional photographer. It came about in an odd way, as many serendipitous things do. But regardless of how it came to be, I consider that decision the one that paved the way for me to spend the rest of my working life in comfort and with a good measure of security.

I've since discovered that many people follow a similar course, turning to locksmithing only after finding themselves unhappy in other jobs. I'm not sure how or why so many discover this particular business when looking for an interesting career. In my case it was a natural progression from a rather unique part-time career I had fashioned for myself: That of installing simple door viewers and doing this door to door. Many times my customers would ask if I could install deadbolts for them while I was at it, and after turning down money a dozen or so times I finally got wise and visited a local locksmith supplier who sold me an install kit and a book of instructions. From what I can tell, others come across this idea by doing Internet searches for home businesses, because ultimately this qualifies as such if you, like I do, run it out of your home and structure it as a Sole Proprietorship. In any case, it is obvious that locksmithing has become a popular choice for a chance at self-employment.

After tiring of door to door selling (which didn't take long to do) I hit upon the idea of cold calling. I was still thinking too small, but at the time I didn't know it. Lesson Number One: Don't do this. I was doing it back in 1981 or so when the stigma attached to such endeavors wasn't quite so strong. I'm afraid that calling people out of the phone book and asking if they'd like to have deadbolts installed just would not fly in the present era of terrorism and business rip-offs.

Still, I owe to this period of hard knocks a good deal. I became efficient at installing locks, rekeying locks, and duplicating keys. It was during this one year period that I scrounged together enough money to purchase a small key duplicator and also a lock rekeying kit. I carried these items in the trunk of my car and carried them into my customer's home when needed. I also purchased several boxes of the most common domestic key blanks and by the time I'd accumulated all this stuff my car's trunk was crammed and I was wishing for more room. Also, and most important, I came to realize that driving around in an unmarked car and working out of the trunk was not lending itself well to my credibility.

Lesson Number Two: Start out with credibility. Purchase a small work van, or a large one if you can afford it. Buy signs or have signs painted on it. Use whatever lending power you have, may it be with banks or with family, to locate a used vehicle and have signage made up, even if this is in the form of magnetic signs. Of course all this suggests you start out as a legitimate business, and this is just my point. Create a name for your business (think long and hard about this, as you'll lose any credibility you might initially gain if you keep changing it), have signs and forms and letterheads made up, and dive in.

There is, too, the question of legality. This is a hard subject to field, because the legality of doing business from one jurisdiction to another can differ widely, and even wildly. It is incumbent upon you to do the research and determine whether or not your jurisdiction requires a locksmith be certified, bonded, and/or licensed. You'll almost certainly discover that licensing is the fundamental hurdle, and that is usually taken care of with the signing of a few forms and the payment of a small annual fee. Certification is something else. Not all jurisdictions require this. In my case I found that the state in which I was then living -- Utah -- did not require it. Nor was I required to be bonded, though I chose to do so for the added protection (it is widely and incorrectly thought that bonding protects the locksmith's customer, whereas in fact it is the locksmith that is protected by the bond).

Lesson Number Three: Do the homework required to determine if acquiring a business license is all that is needed to establish your locksmith service. One phone call to your state's Attorney General office will likely answer that question.

Once you have lined up an affordable vehicle and put a reasonably professional sign on it, you must begin outfitting it. This should, and must, be done before you begin advertising your services because if you are like I was at this point you know next to nothing about the business and not much more about the work. We will endeavor at this point to educate ourselves. Locksmithing is in point of fact one of the few professions left in this world in which a formal education is absolutely UNnecessary. I have spoken to very few professionals during my career who got to be that way through going to a 'locksmith school' or a college. This is certainly not to say that a formal education isn't desirable. If you can afford it, if you have the means, then by all means take that route. This article is for those of you who can't.

The vehicle you purchase will in large part determine how it is to be equipped. I've always preferred a full-size van (I've owned Ford, Chevy and GMC models during my career), but there are many locksmiths who just love the Astro Van or Safari Van made by GM. These minivans are popular with many different professions and are ubiquitous. You can undoubtedly find one in your price range. Either way, the first order of business is to erect a work bench that will give you as much space as possible. Best to have the bench on one side of the van and leave the opposite side for shelves or storage bins. Make it sturdy! There is nothing worse than a wobbly bench when you're trying to rekey locks. Make it level for the same reason.

You'll need a power source. It is excusable to string extension cords until you can afford something better, but bear in mind that this detracts from your professionalism. The ultimate is probably having a RediLine Generator that runs off your van's 12V power. This is not a power inverter, it is actually a generator and it kicks out 110-115V power. They are wonderful sources of AC power and you can even run a bank of fluorescent lamps off one of these for your interior shop lighting. There are several models to choose from with varying outputs, but they are expensive. If you can locate a rebuilt, so much the better. A good inverter might do the trick if you can't afford a RediLine, but be careful. Some key machines (and you're going to have to have one) will not run with an inverter.

Power now available, you need to start out with at least a key duplicator on your bench and preferably, as well, a good code cutting machine. The latter is desirable but not necessary in the beginning unless you plan to launch directly into automotive locksmithing, in which case you'll find it hard to get along without one. We'll touch on that in a moment. Key machines are almost impossible to find used. You'll likely end up buying a small HPC Speedex because they're pretty much the least expensive good key duplicator around. Expect to pay around $500. Best if you include this in your initial loan. A key duplicator is bread and butter for any locksmith, mobile or otherwise, so don't even think about starting up until you have one.

Equip yourself with a good rekeying kit. I've always preferred 'universal' kits because they do the work of dozens of other keyway-specific kits and they are easy to use. LAB makes the best of these, hands down. If you have the space, try to get a metal Classic Kit. If you don't, you can start out with one of LAB's Mini-Durex kits or, better, the miniature version of the Universal Kit (LMK-005 or LMK-003). You simply can't rekey locks without one, and if you get a Universal you won't be confined to keying up one or two brands . . . you'll be able to handle them all. Don't know how to rekey locks? Pick up an instruction manual on the Internet or at Amazon.com. They are available and this is one of the quickest locksmith skills to pick up. While you're at it, buy at least one plug follower, a pair of pin tweezers, and ideally a pair of TruArc pliers. Over time you'll accumulate more rekeying tools but these fundamentals are nearly essential.

Even before I was making money rekeying locks, I was being called to open cars. If you intend to advertise yourself as an emergency service, you're going to have to take in this kind of lucrative work. Let me tell you now, this will be the easiest money you've ever made. It is well worth learning the skills required to open vehicles even if it means spending a couple of hundred dollars on tools and a good manual. Lockouts, at least in my case, virtually supported me for years. If you live in a medium to large city, count on getting lockout calls day and night even if you have only a tiny ad somewhere (a subject for later). There are many good lockout kits available online, to suit any budget, and the same goes for lockout manuals. Do a Google search for 'car opening tools' or 'lockout tools' and you'll have no trouble finding suppliers. Are they legal where you live? Again . . . this is up to you to determine. The supplier cannot and will not endeavor to police this aspect of marketing, as it is simply not possible. I'm not advocating the purchase of anything that is not legal where you reside!

House and business lockouts are likewise lucrative sources of income for the locksmith, but these require different skills, different tools. Here is where it becomes necessary to learn the skill of lock picking -- probably the most fundamental skill of the trade. It is not as easy to learn as car opening and lock rekeying, but it is by no means difficult, either. It requires practice and patience, and it requires good tools. Do not get stingy here. There are lots of cheap lock picking tools for sale. You'll find them in automotive magazines, even. Stick with tools from the established firms like HPC, SouthOrd, Lockmasters, etc. Purchase a beginner's set with a few picks and one or two tension tools for start, unless you have a big budget, then go for a set that will last you a while. Choice of spring steel or stainless steel is largely a matter of personal choice. Whichever one you start out with will likely be the kind you'll stay with, because you'll form an attachment to that type and you'll train yourself to make the best of it. More important is the concept of practice. Buy Practice Locks. Once you've picked all the locks in your home you're going to need more challenges, and now that Practice Locks are an accepted training aid in this field you'd do well to pick up a few of them. Practice until you can repeatedly pick the most challenging of your Practice Locks and then practice some more.

Did I mention that servicing lockouts will likely be the single most lucrative service you offer your customers? I thought so. Good!

There are other aspects to providing a locksmith service and among these is the ability to install locksets on homes and businesses. Primarily you'll be asked to install deadbolts, but later on, as your business gets bigger, you'll want to offer commercial business and real estate companies the option of replacing all their old lock hardware for newer more secure hardware. Again, practice is called for and you should be prepared to install a few unnecessary deadbolts and knobsets on doors in your own home that don't need them. After doing this a dozen or so times, it will be easy to go to that first installation with confidence. You'll need to add a few essential tools to your toolbox, such as a 1/2 inch drill, a couple of hole saws (2-1/8 inch and 1-inch), a 1/2 inch boring bit, and a good wood chisel. With these tools, you can install deadbolts in metal or wood doors. Complete installation kits are available and are the best choice if you can work them into your budget. Need instruction? Books galore available on Amazon.com or at any large scale bookstore in your city.

Once you've accumulated vehicle and the tools, and some knowledge gleaned from practice and reading, you can start thinking about getting your feet wet. The best way to start is the old fashioned way and that is to appeal to family and friends for work and for referrals. Network. Talk to everyone you know and let them know you're serious about this and that you are available. Step two is to advertise and this is absolutely necessary, even if you start out only as a listing in the Yellow Pages. This is where 99% of the people who need a locksmith will look. Newspaper ads, flyers (Yucchhh!), direct mail and radio ads don't work for locksmiths unless you have one enormous budget. Try to justify a small one-eight or one-quarter page Yellow Page ad if at all possible. Even in the face of huge competition, you will get calls and over time your name will be spread around, if you do a good job. Well, it will get spread around if you don't, as well, but you'd do well to avoid that.

That's how I did it. That's how thousands of others have done it, give or take a detail or two. Be sure to cover the legal bases, because if you jump into it and find later that you're acting outside the law, don't come to me! This is part of your research. It is not that difficult to acquire a certification and satisfy local laws that may pertain to this business. If you keep the business small, and maintain yourself as a sole owner, you're going to be profiting right off the bat because overhead with a mobile service is nil.

It's within your reach whether you're 18 or 58.

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Turning forty is not really a happy occasion for many. To be considered "over the hill" is some people's worst nightmare! Therefore, sending someone special a funny 40th birthday poem is just the right thing to do. Not only will it bring a light note into the scenario, but it will also be the perfect way to wish someone a happy 40th birthday in a funny and amusing manner.

Funny 40th birthday poems can be a perfect gift if you choose one that suits the person. Personalize the poem with a little message that can be added at the bottom of the poem. Today there are many funny poems that are available - some are the wall version or the table version ones, which usually come with a recorder that records your personalized message for 10 seconds along with the funny 40 birthday poem. This recorder is attached on the back of the frame and can play almost 500 times over and over again without you having to change the batteries. The best part is that you can re-record it.

The idea of sending your friend or relative funny 40th birthday poems is to make them feel good and happy about their birthday, and not to make them hate the idea of getting old! Most of the time "over the hill" jokes, limericks and poems help to "soften the blow"! By the time the recipient has finished reading your poem or limerick, he/she will be so busy laughing that the thought of leaving the 30s behind and reaching 40 will be farthest from their mind!

It is obvious that 40 is an important landmark in a person's life, and therefore it requires something special and different. Show the person who is celebrating their fortieth birthday that you appreciate them by sending them a gift that is unique, nostalgic as well as humorous. Use poems that are not cruel or sarcastic. Having fun by sending them a funny poem over which they can laugh is one thing, but going overboard and mean is another.

Since you know the person who is going to be turning forty well, it is very easy to decide how far you can go when it comes to sending them a funny poem, or gag. You should be able to gauge whether a poem that starts with "Hey, I hope you can read this or do you need a magnifying glass...." or a gift of "false teeth" would be taken as a joke or not. Hilarious gags and gifts are a dime a dozen and one can never run out of "over the hill" ideas.

Everyone is getting older and even if one does not want to admit it; a fortieth birthday is a great opportunity to send a light and funny poem to your friend or relative to make getting older easier. A funny poem puts a little bit of fun and life into a birthday. You can make your friends laugh while you talk about the dreaded middle age - while referring to an easy chair, the electric blanket, failing eyes and even graying hair!

Help your friend enjoy and appreciate his/her 40th birthday by making sure your wishes are heartfelt, true, sincere and of course - full of humor. Make it a point to lighten the burden of knowing that one has turned 40!

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When looking at men's formal wear you need to follow some simple basic guidelines to get an instant classic look which
projects a sense of style.

Getting the right look with men's formal wear is not difficult, if you follow the image guidelines below.

Your suit

In men's formal wear let's start with choosing a formal suit.

1. Style

Changes, but you can't go wrong with a single-breasted, solid color suit in black, grey or navy blue and always remember a single-breasted suit will make you look slimmer and sleeker in appearance.

In men's formal wear a stylish suit can conjure up a number of images, all of them positive.

A suit can make you look powerful, mature, conservative, or sexy. Remember, most women love men in suits!

2. Fabrics and Patterns

Wool is always a safe option when buying a suit. It looks good and wears well.

Worsted wools are lightweight for spring and summer. Gabardine wools are heavier for winter. Wool Crepes are lightweight with softer finishes. Flannel wools are heaviest. Patterns for interview suits are limited to solids, stripes (pinstripe, chalk stripe, beaded-stripe, multistripe), Glen plaids, and checks (hounds-tooth, windowpane, and herringbone).

Picking The Right Shirt

Generally men with narrow faces can choose collars that are wider, to help broaden their faces; conversely, men with wider faces should choose collars that are narrower, to help lengthen their faces.

Ties

Suits come in basic styles and colors, but ties let you show your individuality within a formal look.

If you want to make a bold statement wear a patterned tie with a patterned shirt, make sure that the color schemes are the same and that the patterns go in the same direction.

Finally, don't forget the Length: It should hit the top of your belt buckle and the deal width of ties is between 3 and 4 inches.

Men's Formal Wear Combining Tie's Shirts & Suits

When choosing a jacket-shirt-and-tie trio, match its level of color contrast to your personal colouring.

Your colouring consists of your complexion and hair color.

If you're coloring is high-contrast i.e. dark hair and light skin, or vice versa--your jacket, tie, and shirt combo should be high contrast, too. But if your hair-hide contrast is softer and lighter i.e. you're blond or gray-haired with pale skin, or dark-skinned with dark hair--you should go for lower-contrast clothes.

Two different scales For Balance When you're combining two like patterns in the jacket-shirt-tie triangle, they should be of different gauges.

If your suit has pinstripes 3/4 inch apart, your tie should have significantly broader or thinner bands. If your suit is a striped one (with lines more than an inch apart), your shirt's stripes should be narrower and closer together.

If you wear two different designs within the lapel triangle--say, a checked shirt and a striped tie, or a striped suit and repeating-medallion tie--they should be different scales in size If your shirt has a narrow stripe, your tie needs a wider stripe i.e. pair large with small.

De Emphasize

Choose clothes that de-emphasize your extremes.

If you're short, look for strong vertical elements: pinstriped suits, two-button jackets. If you're very thin, choose a jacket with wider shoulders. If you have a heavier build then Wear darker colors and go monotone from top to bottom.

Watches

The first thing to look for in a man's watch is a large face, as these designs are generally accepted by everyone as looking stylish.

Get a nice belt

Don't forget your belt you want quality, a good quality belt doesn't have to be expensive and is money well spent.

Your belt color should be coordinated with your footwear - black with black, brown with brown.

Shoes

Black is the traditional safe color for work but Brown or ox blood colors can also look stylish.

You can also use a variety of styles including loafers, wingtips, round-toe, or the trendier pointy-tipped shoe.

Shoes are no place to economize on quality. For men, shoes are the final detail and are one of the areas all women notice.

FREE Image and Style Guides

Men's formal wear can really make a great impression if worn in the right way.

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