1.Consider engaging a benefits consultant to help you shop for the most cost-effective program you can get. If you hire a consultant, make sure you deal with one who has worked with a number of programs.
2.Determine your needs and goals, then survey the market for 401(k) programs that would meet these objectives.
3.Narrow the field, then request information on the plans that appear most likely to meet your requirements.
4.Look for a plan that has a broad range of investment options. Keep in mind that employees will have varying appetites for risk and a range of investment goals.
5.Ensure the plan offers investors a toll-free help line.
6.Note whether the plan provides quarterly financial statements to employees. Employees also will want informational brochures and access to a Web site that offers educational materials and other relevant content.
7.Ensure the plan provides an intermediary who will help your human resources and payroll departments deal with administrative issues.
8.Make sure the plan will help with the enrollment process.
9.Ask about fees. Different plans have different fee structures; you might need help making meaningful comparisons among plans.
1..Consult your company's treasurer, attorney and benefits manager before making a final selection. Get their ideas about the plan's suitability.
1.Configure your modem to turn off call waiting when you dial out. (See "How to Turn Off Call Waiting When Using a Modem.")
2.Connect to your Internet service provider (ISP).
3.Connect to a RealAudio site. If you have a RealAudio shortcut (look for the icon) in your System Tray, you don't need to use your Web browser to connect to RealAudio.
4.Select a NetRadio or broadcast radio station from the list of presets.
5.Turn on, or leave on, your speakers if you want to listen to music.
6.Turn off, or leave off, your speakers if you prefer silence.
7.Close the RealAudio connection and disconnect from your ISP when you are ready to let the phone ring.
Have audio play through your computer speakers if you need a reminder that your telephone is unavailable.
If your telephone has a ringer off switch or a ringer volume control, you can use those controls to silence its ring, but you must remember to turn on the volume later. You will need to do this with each phone in your home. You can also disconnect every phone in your house, but you also have to remember to reconnect all of them.
You can leave one phone off the hook, but your telephone company may send an obnoxious noise reminder through the phone line or disconnect you. You must remember to hang up the phone later.
Warnings: If you don’t connect to a site with streaming audio, or use a similar strategy, your ISP will probably disconnect you after sensing an inactivity timeout.
1.Choose dog food that is specific for your older dog's physical condition (weight, activity level and size) and will help maintain proper weight and nutritional status.
2.Choose high-quality dog food in which 20 to 30 percent of total calories are from good protein. If your dog is exposed to environmental stress (cold, extreme heat), be sure the diet has at least 25 to 30 percent protein content.
3.Purchase dog food that mentions both AAFCO (Association of American Feeding Control Officials) and Animal Feeding Trials (or Animal Feeding Tests) on its label.
4.Provide fewer calories if your older dog is less active. Offer highly palatable and digestible food since older dogs also have diminished abilities to digest, smell, taste and chew.
5.Feed twice a day.
6.Consult a veterinarian before implementing a new diet or changing a diet if health problems are present.
A small amount of grass eating is normal and doesn't hurt dogs.
Most high-quality commercial dog food provides recommended amounts of nutrients; therefore, commercial vitamins are not needed. In fact, excess dietary supplements cause nutritional imbalance and medical disorders, and some vitamins and minerals are toxic in high dosages.
Dogs prone to constipation should increase fiber intake.
Warnings: Be sure dogs are given a complete medical screening for kidney disease, obesity, heart disease or any other conditions that may warrant specific dietary needs. Dogs with kidney or heart disease may need lower protein, phosphorus and sodium levels.
1.Consider the person you are buying the skates for. Does this person already have skates? Is the person active in extreme sports, or will they be a beginner at this type of activity?
2.Go into the person's closet if you can. You will definitely need to find out their shoe size, but while you're there, take a look at their shoes. What kind of sporting shoe does this person wear? The styles of in-line skates are very much like the styles of shoes, so this type of information can be very helpful. If you don't have access to the recipient's closet, you may just have to ask them their shoe size.
3.Go to a major sporting-good store. Make sure the store has a good selection of skates available; if they carry only one or two types go somewhere else. A good selection is essential to making sure you find what you want, even though it will make your task seem more difficult at first.
4.Ask to speak to someone in the store who knows in-line skates. Tell them about the person you're buying the skates for and ask their opinion.
5.Look for something with good ankle support for a new skater. Also a heel brake is a must. Even if you plan to buy a cheaper brand of skates, compare it to the most expensive high-tech skates in the store to get an idea of what the differences are. Many of the features on the more expensive brands are irrelevant for a new skater.
6.Look for specific types of skates for an experienced skater. There are hockey skates, ramp riding skates, speed skates, and street skates. If your skater is really into their sport, you may need to bring one of their buddies along with you to consult. Make sure the skates you buy for your experienced skater have removable heel brakes, as many skilled skaters take the brakes off first thing.
7.Determine whether the person you're buying skates for has pads. If not, you'll need to get them a pair of knee pads and wrist guards. Elbow pads and a helmet are a good idea, too. If your skater is a ramp skater (or exceptionally clumsy), all the pads are a must.
8.Buy knee and elbow pads that have elastic material and straps that wrap all the way around the joint. Some pads have only straps, and these are generally no good. Cheap pads will probably not fit well and thus they will probably not be worn. Good pads will last for years and can be used for other sports. Protect the ones you love by buying them quality protective gear.
9.Realize that pads generally come in Small, Medium, Large and X-Large, so as long as you have a general idea of the the recipient's size, getting the right ones should be no problem.
In-line skates run anywhere from $30 to $250. A good pair will usually run from $75 to $150.
Avoid buying generic skates for an experienced skater. If good skates are out of your budget, consider buying new wheels and bearings. Wheels wear out a lot faster than a pair of skates; replacing them can make old skates feel like new.
Don't be afraid to try on a few pairs of skates to see how they feel, even if you don't skate yourself. Think of it like trying on shoes. See how the padding and ankle support feel. Try some high-end skates and some low-end skates to get a feel for the difference.
If the store you buy the skates from only has cheap pads, try a skateboard store. Skateboard pads work well for in-line skaters. For the skater who already has pads, you can buy skating gloves or padded shorts.
For the in-line skater who already has it all, consider a book on in-line skating.
Keep your receipts and make sure to find out about return and exchange policies.
1.Loosen your collar or remove your shirt.
2.If using an electric trimmer, set it on its closest setting and turn it on. If using a razor, apply a small amount of shaving cream to the back of your neck.
3.Begin trimming. Working in vertical lines, run the trimmer up the back of your neck from the base to the hairline. If using a razor, shave down in short strokes from the hairline to the base of the neck.
4.Even out hairline as necessary.
5.Wipe off the shaving cream or clippings.
Remember to shave all the way around to the area of the neck behind the ears.
Consider enlisting a friend to help you.
Creating the Anchor
1.Start the Dreamweaver program and open the target page (where you want the link to take people).
2.Place the cursor where the anchor will appear.
3.Click on the Insert menu and choose Named Anchor.
4.Type a name for the anchor and click OK. An anchor symbol will appear.
5.Save the page.
Warnings: Don't use spaces when naming anchors. When others post an anchor link, the link will be formatted as a link only up to the space and won't open properly.
Linking to the Anchor
6.Open the page the anchor link will appear on, or scroll to the appropriate place in the open document.
7.Place the cursor where the link will be inserted. Type the text or insert an image representing the link.
8.Select the image or text representing the link.
9.Right-click and choose Make Link, or open the Modify menu and choose Make Link.
1..Choose Browse and locate the page you added the anchor to.
1..Position the cursor at the end of the page name and type the pound or number sign (#). Type the name of the anchor - for example, "#top."
1..Click OK and save the page when finished.
1..Preview the page by choosing Preview in Browser from the File menu. From the dialog box, choose which browser to use.
1..Check your links before and after you upload the page to the Internet.
Overall Tips: Within a single page, anchor links are most appropriate for long documents, FAQ documents and "return to the top" links. Viewers don't like to click on a link only to be taken two lines down.
1.Position yourself at mid-court, 6 to 8 feet in front of the back wall.
2.Stand on the balls of your feet.
3.Point your toes and shoulders to the front wall.
4.Bend your knees and crouch comfortably.
5.Watch the server for a sign of where the serve is going.
6.Focus your eyes on the ball.
7.Judge where the ball is going once it leaves the server's racquet.
8.Take a quick step or two, if needed.
9.Brace yourself to hit a return shot. Most opponents will attempt to serve to your backhand.
1..Go for an offensive shot if the opportunity presents itself.
1..Hit a defensive shot otherwise (see "How to Hit a Lob Shot in Racquetball" and "How to Hit a Ceiling Shot in Racquetball").
1..Return to the center of the court.
1..Get ready for your next shot.
Pay attention to any preferences or habits your opponent might have while serving. This could tip you off to a winning return.
Anticipate the spot the ball will be served to, but don't move toward it too early - your opponent could adjust and ace you.
Always go for the offensive shot if you can.
Warnings: If you have any condition which would impair or limit your ability to engage in physical activity, please consult a physician before attempting this activity. This information is not intended as a substitute for professional medical advice or treatment.
1.Remember, and never forget, that sudden impact with any immovable object at a high velocity can, should and will cause severe injury or even death. Attempt this trick only if you are an advanced rider.
2.Watch other people riding the rail slide device before you attempt it.
3.Start out riding on the outside of the wake, and line up just outside the rail-slider.
4.Bunny hop before you reach the rail-slider. Begin your jump several feet before the rail to ensure that you land near the beginning of the rail-slider.
5.Ollie up and turn your board 90 degrees, so that you land sideways, with one foot on each side of the rail-slider, which should be centered between your feet.
6.Bend your knees and stay low to keep your center of gravity over your board.
7.Keep your chin up and your eyes on the horizon line while you are sliding.
8.Release one hand from the rope handle (the hand that is normally toward your board's tail) as you reach the end of the rail-slider.
9.Bend your knees just a little extra as you launch off the end of the rail-slider.
1..Turn back 90 degrees to point your nose (or your tail) forward.
1..Land and continue riding.
Some riders think it's easier to come off a rail-slider into fakie. Try both and see what works for you.
Scout out the rail-slide device before you attempt to ride it.
DANGER DANGER DANGER! This is so far from a beginner's trick, it isn't even funny.
Always wear a life jacket and observe proper boating safety.
1.Get instructions when you arrive on safety features, how to navigate and anchor your houseboat, and what to do if a storm comes up, the boat breaks down or there is an accident. Being prepared is your best guarantee of having a great trip.
2.Ask about policies regarding diving from the houseboat, cruising at night, refueling and the use of personal watercraft.
3.Rent a "runabout" boat if you didn't bring one with you. This will allow you to make short trips to the marina or to other areas of the lake without moving the houseboat.
4.Make sure everyone on board has a properly fitted U.S. Coast Guard-approved life jacket (also called a personal flotation device, or PFD).
5.Protect yourself from sunburn, insect bites and dehydration.
6.Be sure you have plenty of food and beverages aboard. Plan simple meals with easy cleanup and provide snacks throughout the day.
7.Know where your kids are (if applicable). Assign each child a "buddy" and tell them to stay together at all times. Giving each child a whistle is also a good idea. A lost or injured child can blow it, attracting attention to his or her location.
8.Provide a wide range of activities. People may get tired of swimming and boating after a time and will appreciate having movies to watch, books to read, board games to play or CDs to listen to.
9.Take lots of pictures. You will love reliving your vacation again and again.
Motion sickness isn't often a problem on a houseboat since there isn't likely to be much swell on a lake. Storms can whip the waves up, however, so you might want to be prepared.
Most rented houseboats will have a navigation manual aboard to refer to for questions.
If your houseboat doesn't have a carbon monoxide alarm (ask the rental agency before you arrive), you may wish to bring one with you to be safe.
Operating a boat while under the influence of alcohol is illegal. It's okay to have liquor aboard, but drink in moderation.
Be careful if you leave the boat and go exploring. Watch out for snakes, poison ivy or oak, or geographical danger zones.
1.Check out children's bikes with 20 inch wheels, most of which are set up like mountain bikes. Twenty inch bikes usually have six or seven speeds and hand brakes, which allow for practice with these components before moving on to a bigger bike with more gears.
2.Get a bike with aluminum rims instead of steel or alloy. In addition to being stronger and lighter, they're more abrasive. This allows the brake pads more gripping traction, which makes for less slipping and quicker stopping.
3.Watch the different sizes in the different brands of bikes; children's bikes measure only the wheel size and not the frame size. Your child needs to be able to stand over the top tube with their feet flat on the ground for balance.
4.Think about the color and style that would most suit your young cyclist - your choices are endless. There's also a lot of gear out there that kids can add to personalize their bike. Don't forget to buy a helmet while you're at it.
5.Be careful about buying the bike at larger stores; their assembly is not always the best. Sometimes it's better to check out local independent bike shops to ensure proper assembly.
6.Consider checking out used bike shops. Kids are always growing out of bikes and you might be able to find a bike for half the price you would pay new.
7.Keep in mind that the move from a bike without gears and backpedal brakes to one with more advanced components can take a little practice. A bike with 24 inch wheels and eighteen gears might be a little daunting.
Some 20 inch bikes come in one-speed varieties for those still transitioning into multiple gears, but they usually only come with steel rims.
As the child grows you can add longer seat posts and handlebar stems to make the bike's fit last a little longer.