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Asia has some of the best scuba diving period. A very strong statement but easy enough to prove from the walls of Sipadan, to the wrecks of the Philippines, to the outstanding muck diving of Indonesia, to the "mola mola" dives in Bali, Asia diving is always well represented in the 10 ten best dive lists every time.

Budget travel in Asia is very doable compared to most regions in the world. Scuba diving is however usually a pretty upscale sport even in Asia. So what is the trick to get great Asian diving on a budget? One of the best ways is to find the edges of the season and communicate with the dive resorts and dive operators well in advance.

For the biggest discounts you need to have a group traveling together of 4 to 8 divers willing to put up a large deposit. Another way to get bigger discounts is let the dive operator or dive resort book the has, accommodations and flights if possible for you, as well as any additional tours that you might want to do in the area, as packages offer the dive shop more opportunities to generate revenue, more revenue means they can sacrifice some margin and still make money.

Bring your own dive gear, most shops offer discounts if you bring your own dive equipment, this will not be a big negotiation tip if you are traveling in off season as having enough gear will not be a problem, but if you are traveling in a very busy time like the Christmas Holidays if you have your own regulator, "BCD" and wetsuit you will be more likely to get a bigger discount if you negotiate.

Become a repeat customer. Most dive companies love to have regulars as they are comfortable with you, and know exactly what your needs are. If you are friendly and easy to work with then they will be even more inclined to want to give you a break on their rack rates. It is a business truism that it is easier to keep a customer than to find a new one. Word of mouth is one of the best forms of advertising and if you are going to the same place many times you are going to tell your friends so the dive center and the divers all win.

Fred's new project http://www.CheapCharliesHotels.com/ where he reviews cheap hotels , budget guesthouses, discount accommodations and cheap international flights, but is really an excuse to go scuba diving on vacation more, Fred is in Phnom Penh Cambodia planning his next adventure travel tour. Keep up to date with Fred and to view some great pictures go to Cheap Charlies Hotels Asia Cheapest flights & accomodations.

Fred Tittle has lived and worked in holiday vacation resorts his entire life, from Lake Geneva's Playboy Club, as a rock jock for KSPN FM in Aspen Colorado, he became a PADI Pro Scuba Diver in Hawaii, diving on Maui, Kauai, Kona on the big island, and Waikiki on Oahu. He founded Eco Adventures South East Asia in Sihanoukville Cambodia (EcoSea). He still teaches SSI and PADI scuba diving courses and runs liveaboards in the gulf of Thailand and Asia adventure tours, Fred is in Bali diving and doing the PADI IDC Staff with http://www.baliocean.com

Oftentimes when a car needs to be painted or repainted, the car owners initial decision is
to bring it to an auto repair shop and asked for a quote and let them do the job.

Have you think of trying to do it on your own? There were people who believes that they get
the best results only if they are the one doing it. Are you one of these believers?
Then...you must learn how to paint your car.

Do you want a specific color for your automobile and doesn't wish to splurge a lot of cash?
Then here's your chance to do it yourself and save a hundred dollars plus a reward for
yourself in learning something new. Who knows what this developed skill can lead you to.

Before doing the very first step in painting your car, you have to determine the necessary
materials so you can work on smoothly.

What are these materials?

WAX/GREASE REMOVER

Safe cleaner for removing wax, grease, oil and other contaminates.

SANDPAPER

Determine the type of paint you are using. 320 grit sandpaper is minimum and with the
fastest and decent looking finish but 400 is better.

PRIMER

Decide on the finish you want whether it is enamel, laquer, or epoxy then use the proper
primer. Car painting requires special etching primer and intermediate primer before applying
the topcoat. Remember to take ALL the rust down to bare clean metal before using the
primers.

URETHANE BASED PAINT

Why urethane-based? Simply because they provide greater flexibility and exterior durability
although they are more costly.

CLEAR COAT PAINT

To make paint to appear more glossy.

OTHER TOOLS AND MATERIALS

1. Air Compressor

2. Spray Gun

3. Paint Booths

4. Laquer Thinner

5. Masking Paper

6. Masking TapeM

7. Cotton Towels

8. Dust Masks

9. Body Putty

By preparing the materials first it is now much easier for you to start painting your car

Learn more about How to Paint a Car

The final touches to any landscape theme are the wind chimes.Whether you live in the Southwest Desert, the Pacific Northwest, the Rocky Mountains, the Midwest or the great Eastern Seaboard, wind chimes will add an element of beauty to the design of your garden.

We suggest that you choose wind chimes that are hand tuned and are actual musical instruments.Musical wind chimes come in several distinctive tunings that make it easy for you to determine the sounds that harmonize with you personally.The chimes will even harmonize with each other when hung in pairs or sets.Another great thing about wind chimes is that they come in a variety of sizes.Wind Carillons can be up to seven feet long while the smaller chimes begin at about two feet long.If they are tuned, the quality of sound will be wonderful with any size.

Once you've decided on the tuning and size of the chimes, you'll want to consider location.Do you love the sounds of chimes wafting through the bedroom windows or would you rather hear them from a distance?Do you have a gazebo, trees, a vegetable garden, a rose garden, or a deck? There's no specific rule for hanging chimes and it is always possible to move them if you choose to experiment with the location.I have chimes near the front door, on the deck and situated throughout the yard.Everywhere I walk, the gentle sounds of music serenade the environment.My neighbors were so happy with the sounds that they decided to buy chimes for their yards too.

Consider engraving your chimes for that personal touch.Do you have a loved one, an occasion, a pet or a plant that you would like to commemorate? Have your chimes engraved with a special inscription and / or image.

Harmony, balance and symmetry are all integral elements in the design of your garden.The resonant sound of tuned chimes adds to the balance of a beautiful landscape.Tuned chimes blend in with the sounds of nature rather that having a "clanging" effect.The tones echo softly through the air and actually have a calming effect.

After the last tree is planted and the last stepping stone is laid, be sure to add the final decorating touch of wind chimes.

From hand-tuned wind chimes to artisan-designed brass and copper weathervanes: from mini kites, to huge Bali Dragons, from rainbow windsocks to fish windsocks, from designer banners to copper spinners, Will of the Wind carries a wide array of beautiful and wonderful products all related to enjoying the captivating Spirit of the Wind. http://www.willofthewind.com/ to buy hand tuned wind chimes.

It is just a little bit ironic that landscaping, the practice of caring for and arranging the earth and growing things in a certain area, can potentially be one of the worst things for adding toxic pollution to the ground. With the abundance of chemical fertilizers, herbicides, pesticides and similar products that are being spread on lawns, parks and gardens around the country, it's almost enough to have them designated as toxic waste dumping sites. Further, water use in the average city can rise as much as 50 percent when people start watering their lawns and gardens in the summer, making resource use another negative environmental impact of landscaping. Fortunately, this isn't necessary, and there are a lot of ways to garden and landscape safely, in ways that will promote health instead of increasing the chances of illness.

Using native plants for landscaping can dramatically reduce the amount of water, and poisons, used in your yard. Native plants are those that would naturally grow wild in the area. In recent years, their popularity in water-wise gardens has been increasing. Many commercial green-houses now sell a wide variety of regional species as an option for gardeners and landscapers. Because these species grow wild here, they are acclimatized to the natural weather cycle, and therefore rarely need more water than natural rainfall will provide. Growing native plants save you money and maintenance time-think lower water bills and no lawn-mowing.

A yard full of native plants will also require no herbicides or pesticides, as they are naturally able to thrive in the area. Another irony of landscaping is the chain of impact that these poisons can have upon an ecosystem. Most bugs have a predator bug, but pesticides kill them all. Take the example of aphids and ladybugs. Aphids are a sap-sucking little bug that will congregate on plants, literally sucking the life out of them. Ladybugs love to eat aphids, but you won't find ladybugs in pesticide-treated gardens, so they will never have a chance to do their job. Further, aphids tend to prey on the weakest plants, so non-native species that are struggling to survive are likely to be struck the hardest. By foregoing the pesticides, and growing local plant varieties, you may find that nature strikes a balance, and the ladybugs keep the aphids in check. If not, you can buy ladybugs at many garden centers, and release them into your yard. As ladybugs are a harmless species local to just about everywhere, this is a win/win situation.

Reducing or eliminating the poisons will attract wildlife such as birds, bugs and butterflies. In the example above, you can see how attracting bugs isn't always a bad thing. In a healthy garden, the "good" and "bad" bugs should strike a healthy balance, making intervention rarely necessary. If you do notice a pest problem hurting a specific plant or variety of plants, consider removing it/them and replacing it with something healthier, instead of spraying the bug.

Many green gardening enthusiasts also recommend using a slow release fertilizer. This avoids quick growth spurts that will require more maintenance. Instead of choosing man-made, chemical fertilizers, choose one of the natural fertilizers. While spreading manure in your yard may seem unappealing, the aged manure sold in stores is far more dirt-like than what we might imagine manure as being. There are also liquid fertilizers made of worm "castings", that are quite potent. Finally, consider starting your own compost. Compost containers, available from gardening stores and even some municipalities, are designed to increase decomposition, which means you will get a nutrient rich soil from your kitchen scraps within the year. Use this soil in your garden and the earth, plants, bugs, bees, birds, et. al. will thank you.

Branden Schroeder is Maryland's first "EcoBroker" designated real estate agent. To search for Severna Park real estate or for more information on Maryland Real Estate and Property, visit Branden online at MarylandHomesAndProperty.com

What factors affect the cost of your health insurance?

Age: Obviously, there is a link between your need for health services and your age. As you hit the age of fifty, typically, you start using health providers more and more. You may also notice, that health insurance premiums start taking larger jumps after the age of fifty.

Gender: Females will pay higher premiums than males. Is it because they use medical services more or is it because they need medical services more? Who knows the answer?

Current and Past Health: There is a correlation between your previous health conditions and your expectancy of future good health. Certainly, your current health issues will affect your premiums.

Where you live: Insurance rates vary depending on which state and even the county you reside in.

Type of plan: If you are going to compare insurance plans, make sure that you compare "apples with apples". For example, compare PPO plans with PPO plans, not with HMO plans. Make sure that you are comparing "Major Medical' plans with Major Medical plans, and not with any other type of plan.

"How much will the insurance cost?"

We will use Blue Cross and Blue Shield of North Carolina as an example: First, you obtain an online quote. This quote takes into account your age, location, and gender only. This online quote that does not take into account your current health situation. Certainly, you cannot expect that this quote will be representative of your situation unless you are of "standard health".

Second: you can obtain a "final quote". To do this, you will need to do an application. The quickest way to do this is online. However, if your computer skills are lacking, or your patience with computers is low, you should ask that the agent send you a paper application. (There is no application fee with Blue Cross and Blue Shield of North Carolina.) With the information from this application, they will provide you with a "final quote".

Which plan should you choose?

The most important factor to consider is the monthly cost. You must be able to pay the premium month in and month out. Don't burden yourself with a premium that you can't maintain. You will have a choice of about thirty plans. Buy one of the middle plans. Don't buy the most expensive plan, unless you know that you can afford it.

Don't make the common mistake:

Many people find that the best plans are "too expensive". Don't think that because you cannot afford the plan that you "want", that you shouldn't buy any plan. Buy the least expensive plan, if you must, but buy a plan. Let's say that the least expensive plan has a very high deductible of $10,000. Certainly, if you had a health crisis, you wouldn't want to have to pay ten thousand dollars.

However, if you don't have insurance, you will have a deductible that is much greater than ten thousand dollars. If you need bypass surgery, for example , which typically costs about $130,000, your $10,000 deductible will look a lot better. Another factor that is involved here, is that many people do not realize is that if you don't have health insurance, and you need that bypass surgery, the hospital does not have to admit you unless it is a medical emergency! Needing bypass surgery is usually not a medical emergency.

Summary:

There are many factors that affect your health insurance premiums. The most important ones are age, gender, current and past health, where you reside, and type of plan. Choose one of the middle, more affordable plans. If you must, buy the least expensive plan...you need to be covered.

Richard Day has years of experience finding the exact plan that will fit his client's needs. He adopted the HSA concept early, and will help you to understand how they work. This link for more information concerning the Blue Options HSA. If you would like comparison quotes visit: http://RichDayHealthPlans.com

Here is part two of the cat owners guide. Follow these tips and you and your cat will be on to a joyful relationship!

Good Veterinarian

Just about every cat owner forgets this tip: don't join the party because you will pay for it, literally. Try finding a good vet before you bring your cat home and the reason why is that you will put it off until it is absolutely necessary to find a vet. If you don't have a regular vet, see what your friends recommend. They'll certainly be able to tell you which vets are good, and which they prefer to avoid. Don't pick the cheapest vet, although expense can be a concern. Remember that the life of your pet is more important than saving a few dollars here and there.

Cat Brush

Grooming your cat will help you not only bond with your cat, but also let you prevent cat hair around your house. Cat shed, and in order to keep this to a minimal you have to groom your cat. As an extra bonus, when your cat swallows less fur, she will be less likely to suffer from hairballs.

Patience

You have to be patient with you pet or you will become a very frustrated cat owner. If you have a new cat, understand that it will not become use to your home at first. Your home will be full of strange smells and objects, which he'll want to check out. Be patient, and let your new cat learn the rules. Don't try to discipline him like a dog - it's frustrating and it doesn't work. Try positive reinforcement instead of punishment, and attempt to out think your cat. If you don't let your cat get into tempting situations, he'll have fewer opportunities to misbehave.

Love

Love your cat and it will love you back its just that simple.

Here's a complete cat training guide

You need a cat training guide whether you are a new cat owner or an existing cat owner, you need to have a cat training guide here is a complete cat training guide