Friday, March 21, 2008

Using Travel Cards Like Disney For Vacation Saving

How you earn points

When you use your disney credit card to buy products or services online or in person, you automatically earn points, or disney rewards, that accumulate in an account with each purchase. As your point count increases, you qualify for certain point reward packages. Each level entitles you to shop for various items at the disney store, Disneyland Resort, walt disney World Resort, disney Cruise Line, the disney catalog, or DisneyStore.com. You can redeem your points for merchandise like Disney toys, clothes, DVDs, and collectibles. As a travel credit card, the Disney card also features a benefit that allows you to redeem your reward points for vacation packages. You can select packages that include travel to your favorite Disney theme park. Your points are good for parking permits, admittance to the park, and discounts on Disney hotels and resorts.

Drawbacks

Unfortunately, as you accumulate the sought after disney rewards, you also accumulate credit card debt. If you are not skilled at managing your finances, you may be enticed to use your disney credit card in excess of what you are capable of paying back. This type of incentive program could cause you painful repercussions in terms of debt and poor credit scores if you are unable to make prompt payments on the balance.

The more you buy with your disney card, the more rewards you qualify for. But remember that the more you buy, the more interest you pay on these purchases as well, especially if you are unable to pay your balance in full each month. As your interest accumulates on purchase that you made with your card, you credit card debt rises and your credit rating plummets.

Special features

On the bright side, the disney credit card has a unique card design that will delight families: Mickey Mouse on a sparkling red background. The card is a great way to allow any family member to contribute to future vacation plans or holiday gift times. You might consider giving the travel credit card to younger members of the family as an emergency credit card to be used for expenses away from home. The rewards can be added to the familys reward account and enjoyed by the whole family.

The reward points for the disney credit card are more flexible than with many other reward cards. The points can be redeemed to gain entrance to a disney theme park or parking privileges. But you can also purchase merchandise online, at store locations, or from the catalog. You can even use the points to purchase items once you are inside the Disney theme parks.

Javier Polanco offers expert advice and great tips regarding all aspects concerning credit Cards. Get the information you are seeking now by visiting http://www.obtaineasycredit.com.

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Staying In Business As A Massage Therapist

One would think at first glance, that being a massage therapist is a great way to do wonderful things for people and make a good living. Massages are priced at anywhere from $70 and hour to $100 for an hour. And besides a massage table for a few hundred dollars, sheets and oils there is not much more that needs to be purchased. Does that not translate into a substantial amount of money in your pocket?

Well, the reality is often very different than what massage therapists imagine when they consider this profession, and if you are thinking of making massage therapy a career, there are some things you need to know.

I have been a massage therapist and for many years. I know many therapists and as an instructor, I am in touch with many of my students. Being connected with the reality of massage therapy has not only helped me understand the dynamics, but also aided me in developing my own practice when needed. Some of those insights I would like to share here.

One of the most disturbing issues is that many therapists only last a few years on the job, and that is if they can even get their feet on the ground to generate an adequate income.

So what seems to be the problem?

As a therapist you are either employed (even if your employer calls you an independent contractor) or self-employed (or maybe you are like many colleagues a combination of both). Even if you are employed at a spa facility, gym, chiropractor or other health and wellness operation, chances are you will have private clients outside of your job and juggle a few different venues which puts you in a position of managing your own supplies, transportation, taxes and so on.

The first mistake that many therapists make, is that they neglect to see themselves as a business.

Many small (and larger) businesses make the exact same mistake when they launch their venture: They fail to plan their business and fail at their business. When therapists leave the field it is primarily for one reason: They do not make enough money to pay the bills.

Step One View yourself as a business.

What this means is that you need to balance your income with your expenses and write a business plan for yourself. In order to stay afloat your income must match your expenditures that include every single expense from supplies, to the amount of money you need to have at your disposal to pay the rent, your car, your clothes and your pet food as well as resources for the future.

Step two: Write a business plan.

When you start writing your business plan and ask yourself the question: How many sessions can I do every day, you might discover some interesting facts about your business. You may find one of the reasons why therapists have a hard time making ends meet and ultimately leave the field: You can physically only do a certain number of sessions in any given time period due to the sheer physical and emotional challenges that of this work. Right now you might not think so but and still experience a rush doing 4 or 5 sessions a day. But imagine doing this day in, day out for years. Not really an option, is it?

What this means is your income from massage work is restricted by the number of sessions you can offer. Finding this out in the planning phase is a huge advantage because it means you can prepare for the reality of only doing a few sessions a day.

If you wait until you are active in your practice, one of two things might happen: You will either perform too many sessions because you need the money and sooner or later burn out and leave the profession or you will leave the profession to find another job.

Part of your realization might also be that you will have to charge more than you anticipated for a massage. And you should. As a business you cannot afford not to.

The second issue that many therapists face is that they perceive a contradiction between the type of work they do and selling their services. I discuss this at length in my book The Successful Therapist, but one of realizations I had is that I cannot be of service at all, if I cannot sustain myself through the work. And looking at it from that point of view was very helpful.

Step three: Develop a massage marketing plan Clients do not just walk through the door. You have to attract them and then retain them. There are many ways to advertise your services and as many ways to spend a lot of money with no results. Before you spend any money, spend some time thinking what kind of client you want to work with and what solution you offer to a problem that they specifically have.

Then spend some time formulating and developing that solution as a headline and a service. I spent some time in australia and worked out of a small bookstore in a crowded pedestrian area. My sign on the street said: Relieve your headache in 15 minutes and it worked. There were enough people with headaches mulling around and not enjoying their shopping experience. The reality is that no one cares about you. They care about what you can do for them.

Once you know what solutions you offer, it will be much easier to target those people directly and efficiently. Visit your local hotel and talk with the concierge about referring clients to you. Visit senior citizens homes and assisted living for seniors massage and offer the people who work there a referral fee. Talk to the HR department of a large company to offer an introduction to in-house chair massage. Go to prenatal yoga classes with flyers to offer pregnancy massage, etc.

Step Four: plan for additional revenue streams. Even though you might be doing all the massages you can and want to do, you will definitely want to have additional income resources in place to utilize the client contact you have through your massage traffic and marketing activities. There are many ways to do this for example retail related products. But there is also one idea that I want to suggest here: Offering spa treatments. Spa treatments not only capture a clientele that might not want a massage but they also add to your reputation, are much less taxing on the body and offer a very nice way to promote products you can sell after the treatment.

Nicolay Kreidler is a licensed massage therapist and massage instructor at Touching from the Heart and a facilitator at Spa College He is an active consultant to the spa industry and author of the book "The Successful Massage Therapist" now available as ebook through Spa Pros

Ashtanga Yoga Online

Hybrid Golf Clubs - Worth Finding A Space In Your Bag For?

over the last decade a new breed of club has evolved that cannot be described by the traditional club numbering system. They have been born out of the need of players to max out the choice of clubs as they seek their lower scores.

In fact it seems like a relatively sensible idea - a club, or clubs, that have a number of features allowing them to perform several functions, rather than the standard single function that most traditional clubs offer. Using hybrid golf clubs has become the new solution to these issues and more and more pros and amateurs alike have one or more in their bag right now.

The Age Of The Hybrid golf club Is Now!

Irrespective of capability, hybrid golf clubs well suited to the golfer who wants to improve his or her score - perhaps even above expectations, without having to put so many hours practice in. They are a type of club that elevates even a new starter in the game to a higher level, because of the flexibility and forgiveness that they offer.

look, the thing is that hybrid golf clubs have helped many thousands of ordinary golfers exceed even their wildest dreams, improving the game of the man in the street (or perhaps it should be the man on the golf course!).

Worried that these clubs might be technically inferior? Don't be. The thing is that whatever club a maker produces, it has to be to the same exacting standards, whether it is a run of the mill 3-iron or a hybrid. They just can't afford to come up short with any of their clubs!

Hybrid golf Clubs And The Manufacturers

golf club manufacturers have joined in too and not there is a wide range of hybrid golf clubs out there available to all levels to make a difference to their play - and at a wide range of prices too.

Actually, if you think about it, a hybrid golf club designer has new and interesting challenges way beyond the demands of the standard clubs. Not that the technology for them is stagnant - but the new challenges of hybrid golf clubs have stretched designers in compelling ways, making them even more creative and innovative.

And the outcome is always focused on creating a club that will sell well and through that build a reputation of a 'must have' that will bring more customers to the brand.

Time to check out on what you need to mend your game then? Listen, there's no better time to check out hybrid golf clubs to help you fix the more challenging aspects of your game. Whatever it takes to make your game more fun and more compelling.

Now if you can get a great score as well, overcoming your weak spots, then that's a result, don't you think?

(c) 2007 Choosing Great Golf Clubs. All you need to know to make the right decisions before you buy your next set of golf clubs. There's all the information you could ask for, at Martin Haworth's website, http://www.ChoosingGreatGolfClubs.com

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