1.Have a long, serious and brutally honest talk with yourself (and perhaps a trusted friend) about the kind of personality you have, making sure that you are disciplined and goal-oriented.
2.Be sure you have at least $5,000 in easily available funds.
3.Set limits to your trading activity, such as number of trades and/or dollar amount of commission, for an initial three-month period.
4.Research at least three online brokerage services and read all of the “terms and conditions” statements concerning trading accounts.
5.Open an account with the brokerage service you choose for the minimum amount necessary to trade.
6.Write down all of your trading (buys and sells) immediately after execution: date, time and price per share of the actual purchase; quantity; all security or position identification (symbol, CUSIP number). Use these records for tax preparation and save them in case you are audited.
7.Evaluate your performance at the end of the three months. What were your gains and losses? Emotional reaction to the process? Did you stick to your goals?
Tips: Free research online is available from many of the big investment firms. Avoid fee-for-service features of your account unless they will directly improve your ability to trade intelligently.
All laws regarding securities trading apply to trading online.
Technical service calls and broker advice over the phone are probably not free - check first.
Never trade on advice from chat rooms, message boards or any other questionable sources.
Trade only with your savings until you are experienced. Only then consider borrowing on margin.
1.Take in the Denver Blues and Bones Festival on Memorial Day weekend. This unique mix of top-notch blues and fresh barbecue draws a huge crowd, and if you think you're a champion barbecuer, enter the BBQ competition (everyone else can sample).
2.Participate in the annual Capitol Hill People's Fair in early June. Held in Civic Center Park, the fair is a huge neighborhood event featuring live entertainment on five stages, food and hundreds of artisans selling their wares. This is a great event for the whole family.
3.Bring the family to the Buskerfest, held in late June in downtown Denver. Street performers are the stars here, and you can wander around and see mimes, clowns, sword-swallowers, acrobats, puppeteers and all sorts of other entertainers. Best of all, it's free.
4.Don't miss the LoDo Music Festival in early July. At this Denver favorite, you'll hear a variety of live music on four stages, eat great food and mingle with big crowds.
5.Visit the Cherry Creek Arts Festival, held in early July. It's one of the country's most respected outdoor juried art shows, and the art is accompanied by live bands, great food and an ArtZone where you can make your own pottery and other artistic creations.
6.Attend Colorado Music Festival events in Boulder's Chautauqua Park. The festival lasts from early July to early August and includes a free Independence Day performance of patriotic music. This festival has been a local favorite for more than 20 years.
7.Live it up at the Festival of Mountain and Plain: A Taste of Colorado, held on Labor Day weekend. The city's best restaurants offer food, and there are carnival rides, live entertainment and artisans selling their wares.
8.Taste some of the country's best beers - more than 1,500 of them - at the Great American Beer Festival, held in early October. Lagers, pilsners and even chocolate stouts compete for prizes, and you get to sample them all.
9.Attend the Denver International Film Festival, held in mid-October. More than 100 films are screened, including independent films, documentaries, animation and children's programs. There are movie stars galore in attendance, so stargazing is encouraged.
1..Don't miss the city's annual Parade of Lights, marking the beginning of the holiday season in early December. The big parade through downtown features floats, giant balloons and bands playing holiday favorites.
1..Ride on in to the National Western Stock Show and Rodeo in January. Rodeo fans will love the more than 20 rodeo performances. Other events include a parade, concerts and plenty of shopping opportunities for things Western.
1..Stop in at the Jazz on Film Festival, held on Presidents' Day Weekend in February. You'll see films from around the world about jazz and jazz artists at this festival, which is getting international attention, and there are panels and programs for students.
1..Learn about Native American culture at the Denver Pow Wow, one of the country's largest such gatherings. Dancers and musicians from more than 70 tribes participate, and the food is to die for.
Be sure to consider festivals and events in Boulder, which is about a 45-minute drive from Denver. In bad weather, driving from Denver to Boulder can take considerably longer.
Although they may be quite a drive from Denver, Colorado's major ski resorts (Aspen, Vail, Telluride, etc.) feature many major festivals and events throughout the year.
The Related Sites are great sources of information about Denver events - and buying tickets.
Overall Warnings: Tickets may sell out fast to the most popular events, so reserve ahead if possible.
1.Crouch low on your board, three quarters of the way up to the nose.
2.Lean back and put your hands down behind you in the middle of the board to support your weight. Keep your hands centered and balanced, so not to tip over your board.
3.Sit down on your board with your legs extended toward the nose.
4.Lie back on your board in a reclined position.
5.Cross your arms across your chest, touching your fingers to your shoulders - like Dracula in his coffin. Hold this position for a few seconds.
6.Sit up and put your hands back on the center of the board behind you.
7.Pull your feet back under you and push yourself back into your crouched position, still riding the wave.
The bigger your longboard is, the easier this trick will be.
The "coffin" position is fairly stable as long as you are relaxed. The balancing aspect of this trick is actually getting up and down.
Warnings: Be aware of what is ahead of you when you do this trick. Once you're on your back you have no control over your board.
Surfboarding is an inherently dangerous activity that can result in serious injury or death. We recommend that you seek proper training and equipment before attempting this activity.
1.Ride the bus. The Chicago Transit Authority (CTA) is the nation's second-largest public transit system and offers routes that cover Chicago and 38 suburbs, as well as direct rapid transit routes to O'Hare and Midway airports. This system also includes the well-known "L" or "El" elevated train services.
2.Use the METRA rail system, especially if you are heading to the suburbs. This system can take you to many points within Chicago and also covers Northeast Illinois.
3.Consider a CTA visitor's pass, available in one-, two-, three- and five-day options. The more days you buy, the better the deal.
4.Walk, and use the Pedway in bad weather. Chicago's Pedway is a system of walkways and skywalks that links together much of the city's central business and tourism district. Follow the posted maps, or get a map from a tourist information center.
5.Bring a bike or rent one. In 1999 Chicago was rated among the top 10 bicycling cities in the country by "Bicycling" magazine. The city offers many miles of bike lanes and is adding more all the time; it also offers bike racks around town.
Tips: If you plan to walk and take public transit, bring bottled water – you won't have to keep stopping for a drink, and it will save you lots of money and time over the course of your trip.
1.Sail into open water - close hauled under mainsail only.
2.Pull the jib back along the leeward side of the deck if it has been stowed or temporarily tied into the bow pulpit. Keep your weight low for balance and avoid stepping on the slippery sailcloth.
3.Free the halyard from its temporary tie-down if it was tied down.
4.Attach the halyard to the headboard. You may have to slacken the halyard enough to allow the shackle end to reach the headboard.
5.Look aloft to ensure the halyard can run free.
6.Run the jib sheets aft to the cockpit and make stopper knots in the bitter ends so they don't escape through the running blocks. Secure the sheets by taking a single wrap around a cleat.
7.Return to the mast or cockpit area where the other end of the halyard was secured.
8.Turn the boat into the eye of the wind.
9.Release the sheets if they have been secured.
1..Raise the sail hand-over-hand until the load becomes too heavy. Then use a winch if one is provided. The jib will flap until you turn off the wind.
1..Tighten the headsail until a few wrinkles form along the leading edge.
1..Secure and coil the halyard.
1..Turn off the wind and haul in on the leeward jib sheet to adjust the sail. The windward sheet should be free of the shrouds and any deck gear.
Tips: A halyard should always be secured to some point on the boat or held in your hand. Never allow a halyard to run free, or it may disappear up the mast. After the first time you've retrieved one from the top of the mast, you'll never make the same mistake again.
Warnings: Use extreme caution whenever you leave the cockpit. Always wear a personal flotation device.
1.Know your organization inside and out. The key to any writing assignment is knowing your product. The better you know the product, the more concise you can be.
2.Include your mission statement on every piece you generate.
3.Establish partnerships with corporations in your community that will allow you to get your printing for free. For instance, if you are a nonprofit school, go to a local credit union and ask them to pay for the printing of your newsletter for two months in exchange for an ad and their logo in the newsletter. If you are a museum, go to an art store, and so on. It's truly amazing what you can achieve just by asking.
4.Purchase a good desktop publishing program. Two user-friendly and inexpensive programs are Adobe Pagemaker and Microsoft Publisher. Use these to create business cards, letterhead, Web page designs and more. You can even generate all of your organization's business forms from these and save a ton of money on printing costs.
5.Ask your board of directors to get involved. Once you have an idea of what you might need - and what you don't want to create or print yourself - tell them your wishes and enlist their help.
6.Find the corporations in your community that have PR departments that can create materials for you - most major corporations have print shops that are required to do some sort of community service. Find out which ones do and don't be shy about approaching them.
7.Keep it simple and small. You'll have a better chance of accomplishing your goals on a tight budget. Between self-created materials, partnerships with community organizations and board support, your marketing materials can look like a million bucks for just pennies.
1.Figure out your net income from self-employment. Net income is typically your total business receipts minus your total business deductions.
2.Multiply your net income from self-employment by 0.9235 (or 92.35 percent). Your answer is called your "net earnings" from self-employment. If this number is less than $400, you don't have to pay self-employment tax.
3.Multiply the amount of your net earnings that is $76,200 or less by 0.153 (or 15.3 percent), and multiply any net earnings over $76,200 by 0.029 (or 2.9 percent). Add your two answers together. This is your self-employment tax.
4.Report your self-employment tax on Schedule SE of the 1040.
You can deduct half of your self-employment tax in determining your adjusted gross income. Do this in the Adjustments section of the 1040.
Interest, dividends, capital gains, rental income, pensions and other forms of unearned income are not subject to self-employment tax.
If you operate more than one business, combine the net incomes together and use only one Schedule SE. You will find this very useful if one of your businesses operated at a loss.
If you worked as an employee subject to W-2 withholding in addition to being self-employed and your combined earnings were more than $76,200, use the Long Schedule SE on the back of the form. Only the amount up to $76,200 is subject to the Social Security portion of the tax. But the Medicare portion is applicable to all of your earned income.
Ministers, Christian Science practitioners and members of religious orders can file Form 4361 to seek a waiver from self-employment tax. Also, a waiver is available through Form 4029 for members of recognized religious sects that oppose insurance. The waiver may be permanently revoked by filing Form 2031 by April 15, 2002 (or an extended due date of the 2001 tax return).
Church employees who earned more than $108.25 and had no Social Security and Medicare tax withholding are subject to self-employment tax.
Members of partnerships that operate a trade or business are subject to self-employment tax on distributive income, including guaranteed payments.
Fishing crew members, estate administrators, newspaper carriers, many real estate agents, former insurance agents, and statutory employees can be subject to self-employment tax. If you had earned income of any kind and didn't have W-2 withholding, you probably have to pay.
Husbands and wives must fill out separate Schedule SE forms.
1.Get a feel for the difference between hard-pack sand and soft-pack sand. The hard pack is usually the darker, wet sand close to the water. The soft pack is usually lighter and higher up on the beach.
2.Run on the soft sand by landing toe first and digging your toes into the sand.
3.Lean forward as you run, so that it almost feels like you're going to fall over right before you kick your toe in.
4.Run on the hard pack the same as the soft pack, but lessen your toe-in kick.
Run on the flat part of the beach. Running on a slope is bad for your spine and could easily cause a hurt knee or ankle.
It's important to stretch well before and after running on the beach - the way your heel can sink into the sand puts more pressure on the Achilles' tendon and it can get pretty sore.
Warnings: Be careful running toe-in on rocky beaches.
Overall Warnings: If you have any condition that could impair or limit your ability to engage in physical activity, please consult a physician before attempting this activity.
1.Marinate the prawns in the sugar for 1 hour.
2.Heat the oil in a wok over high heat.
3.When the oil is hot, cook the garlic, stirring frequently, for 30 seconds.
4.Add the snow peas and prawns and fry rapidly for 1 minute, stirring frequently.
5.Add the soy sauce and sesame oil and stir for 1 more minute.
Wok cooking is very fast. Keep an eye on the food at all times.
This dish is best served with white rice.
Most soy sauce is "light." If it doesn't say "dark" soy sauce, it's fine.
Dark sesame oil is used here as a seasoning; it has a strong taste. Don't substitute another kind of oil. (You can find dark sesame oil in the Asian section of many supermarkets.) Steps:
1.Purchase fresh raw fish. For the sake of simplicity, purchase a cut of fish that has been skinned and cleaned.
2.Wash fish with cold water and pat dry with clean paper towels.
3.Slice off and discard any dark portions. In some seafood, such as abalone, the dark portions are considered a delicacy but the flavor is quite potent. In fish such as tuna, the dark portions are blood vessels and are best avoided. ( Image a.)
4.Use a very sharp knife to slice the fish along the grain in a motion downward and toward you. Avoid sawing the fish. ( Image b.)
5.Cut fish into thin, bite-sized slices about 1/4 to 1/2 inch thick and 1 inch to 1 1/2 inches long.
6.Arrange fish slices on a plate. Layer fish and arrange into patterns or roll slices into small rosettes. ( Image c.)
7.Garnish plate with wasabi (similar to horseradish) and vinegared ginger (gari).
8.Serve with a bowl of rice and soy sauce. click photos to enlarge
Some types of fish to use for sashimi include tuna, halibut, whitefish, parboiled octopus and abalone.
For added color, sprinkle flying fish roe (tobiko) over fish slices.
Warnings: All fish, including ocean fish, may contain parasites. Although the risk is small, people at greater risk - including older people, small children, and pregnant women - should be careful when eating raw fish. To kill the parasites, freeze the fish at -4 degrees F (-20 degrees C) for at least 24 hours. (This may be lower than your home freezer can get, so you will probably need to buy the fish pre-frozen; ask your fishmonger.) The fish can then be thawed and used as sushi or sashimi. (In fact, your local sushi bar should be using fish frozen this way.)
1.Adjust your bicycle seat. If you have to stretch and rock your hips at the bottom of the pedal rotation, lower the seat slightly.
2.Purchase a pair of padded shorts. Avoid nylon shorts without a lining.
3.Sit on your bike with your hands on the handlebars and rock backwards until your weight rests on your "sit bones" at the base of your butt, rather than on your crotch.
4.Try to ride with your weight distributed this way and adjust your bicycle, if necessary.
5.Begin with shorter riding times until comfortable.
6.Apply lotion to chafed areas before the situation becomes unbearable.
Use a broken-in saddle for long rides.
New saddles are available with the center cut out to minimize chafing and prevent numbness.
Plastic saddles will almost guarantee saddle soreness. Replace it with a leather or gel-cushioned saddle.