Container Gardening Basics For Success

Container Gardening is becoming more and more popular as the population of cities and suburbs increases. Your "garden" is movable and so it is easier to manage pests and garden environments. It also brings the time that you need to tend to your plants because you can place them where they are easier for you to reach. This is especially good for people who are handicapped but still want a garden.

There are some things that are necessary in order to have a successful container garden.

First, you must have a container. You can find them in almost every size, shape and they can be made of many different materials. And, they can be very inexpensive, especially when you create them from "found" objects. You must make sure that the container that you choose has adequate drainage.

Make sure that your container is appropriate for your plant's full-grown size. You do not want to have to keep changing pots as your garden grows.

Soil is the next thing you have to have for your garden. I'm sorry, but you can not go outside and dig up some dirt. It will be much too heavy and will probably contain lots of bugs and pests that you do not need. The soil must be of good quality to keep your plants healthy and growing well. Buy potting mix that drains well but still is able to retain adequate moisture. The mix should not be so light that it will not hold the plant and root system in the container without propping the plant up.

You can mix your own potting soil by using one part compost; one part perlite and one part garden loam. Be sure that you inspect the loam for pests before using it.

Choose plants that do not have very large root systems. Those plants will soon get too large for the pot that you have planted them in, even to the point of breaking it. As I mentioned before, not sizing the plant to the pot (or the pot to the plant), can cause plants to be spindly and root-bound.

Tomatoes are a good choice for a new gardener because they are easy to grow and have a strong, but small, root system. Other vegetables that are appropriate are peppers, lettuce, spinach, radishes and eggplant.

Herbs are also an excellent choice for container gardens. Herb gardens do not require much space and they are extremely easy to grow, even for the novice gardener. Like most plants, they do require adequate drain to grow them successfully.

Some people use container gardens as decorating accents as well as growing vegetables for the dinner table. Choosing containers that fit with the style of the area you want them in terms of its ambiance. You might even want to use them in a specific area inside your home. Sunrooms come to mind as a great place to grow plants. Do make sure there is adequate sun and shade for your plants.

Why Internet Marketing Videos Are Leveling The Playing Field In Internet Marketing

This article outlines a popular video marketing strategy and also discusses how average people are becoming internet superstars through the power of internet marketing videos. Part 1 of this article discusses how internet marketing videos are enabling many people to grasp concepts that they normally would not be able to assist. Part 2 of this article goes into detail about an effective video marketing strategy

What could be more enticing to the aspiring internet marketer than to look over someone's should while watching an internet marketing video tutorial? That's why video tutorials are fast becoming the most popular way to learn any subject matter. If you use screen capture video recording software like Camtasia, then you can make as many video products as you want.

More and more offline businesses are using video tutorials to support their customers and train their work force. When it comes to online marketing, it just makes sense to have videos to help your customers and clients understand the concept you're trying to teach as an information product creator. The reason that internet marketing videos are leveling the playing field for the aspiring online marketer is that that makes it easier to rasp some new concepts. The understanding and understanding is now attained simply by watching a video.

There's no shortage of these internet marketing videos out there now, and people are actually selling master resell rights and private label rights to their videos. That's a pretty clear sign of how popular the videos are becoming, when people can make them so quickly and easily that they're selling the rights to them for not a lot of money. To learn as much as you possible can about internet marketing in the shortest amount of time, I highly recommend these internet marketing videos . And that's how these videos and lifting the playing field. It's a visual style of learning that is the closest you can come to step-by-step training.

Part 2 of this article deals with an effective video marketing strategy.

You have heard of YouTube before, right? Well, that site is extremeley popular right now because of the entertainment value it brings to thousands of people every day. If you look in the How-to section, you'll see some internet marketing videos there. The reason that many marketers put their videos up on YouTube is not just for the traffic from YouTube viewers. They put their videos up there to use YouTube's bandwidth instead of their own. Here's what some enterprising marketers are doing:

They make a video sales page and put it up on YouTube, then have as many people as possible comment underneath it so that it looks like it's getting good press. You'll see this in action when you go to a sales page and there's a video on there playable from YouTube's site. Putting a video up on YouTube for a product launch is a smart video marketing strategy. This means you do not have to use use your web server's bandwidth to play video, plus YouTube allows comments to be made underneath the video player. These comments can add credibility to the video and product it's selling.

The best thing for you to do as an aspiring marketer is to watch as many internet marketing videos as possible in order to get up to speed quickly. As a product creator, using Youtube's bandwidth is a good idea for now, since it helps your videos load quicker and you can get more expsoure for your sites this way. Just be aware of the fact that YouTube is starting to change their policies a little.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Conspiring Against an Employee

Some of us are happy with the job we have and are content with or even love what we do. Some of us are not happy with our job and it frustrates us the more we perform at work. Whether you like your job or not you primarily work for a paycheck. When conditions at work are so stressful that you find it difficult to work for your paycheck you might want to consider your work environment situation.

In some cases, employees are victims of conspiracies in the workplace. It may sound like something out of a workplace drama series, but it is a common deterrent of progress and ultimately a very unprofessional practice in the workplace.

We can pretend that drama doe not exist at work, but the truth is work is run by people. It is part of the human condition to play favorites and disrespect others. When this sort of unprofessionalism arises in an employer or employee, there is a great chance that he or she will attempt to gather additional employees on his or her side to rally against another employee in secret. This is a conspiracy.

Harassment

A conspiracy against an employee is almost always used to harass. Harassment is any conduct that will lead to the victim to feel unsafe, threatened, persecuted, or distressed. When an employer brings employees together to play a harmful role against an employee, he or she has a personal feud against that individual. This may be due to race, religion, gender, appearance, or anything that he or she does not like about that individual.

Harassment is used as a tool to single someone out and make them feel unwanted or embarrassed in the workplace. An employee may feel that he or she is underperforming at work and that his or her opinions are not of value.

Coercion

Most people who would like to see someone leave the workplace that know there are not sufficient grounds to fire him or her, will coerce the employee into resigning by use of conspiring. If someone starts to feel an incredible amount of stress at work and unwanted, he or she will more than likely resign. This is one of the main goals employers and employees try to achieve when conspiring against an employee.

For additional resources on conspiring in the workplace and legal avenues available for victims, contact the Houston employment lawyers of the Ross Law Group.