Business and Finance

Tuesday, March 11, 2008

Carp Fishing Tactics For Wary Fish - Hiding Your Line!

On many carp waters the fish are well aware of fishermen’s lines passing through the water. This can impact so much on fish that in some swims fish will not feed until the swim appears safe and clear of lines. They have associated lines with danger often from many years of angling pressure. But what can you do about it?

Seeing your line passing through water can really hit your confidence. If you can see it, the fish certainly can. Carp eyesight is not to be underestimated! How often have you observed fish heading for your swim, only to see your line and turn around? Heavy lines are often required in many situations, so trying to use ‘invisible’ like very fine ones or certain ones with less abrasion resistance makes things hard. There are a couple of new lines that claim to be invisible in water. The trouble is that even these can go along the lake bed and form a barrier of line across the water, where the bottom dips and rises, or where going over weed beds.

The last 5 metres of line to your hook rig is the area that usually matters the most. Here fish often bump into lines in their search for food or bait and the first obvious mistake many anglers make is ensuring fish get spooked by their lines by baiting-up between their hook and rig and their rod, the very side where line is most apparent. Only baiting-up the opposite side can make a dramatic difference!

Of course, lots of methods have evolved to try to avoid spooking fish out of your swim or even stop them from stopping feeding in the possible case of some line shy fish, and having them leave your swim. Your line also helps fish to locate your hook rig which is not favourable for bites! The days when fish feed avidly while navigating a network of lines stretched across the water in full view are fading on so many waters these days. The use of back leads and flying back leads to pin the line to the lake bed are good. But on weedy waters and those with lots of rises and falls as in gravel pits for example, they are not really the solution.

Lead core spiced to the line and heavy dense tubing on the line helps to some degree with this problem, but are not perfect, no matter if their colour matches the lake bed or has been marked so that it forms a ‘broken disjointed line’ or a ‘camouflaged’ one. Often the fish just learn that these are extra thick lines which are also dangerous. Ordinary plastic tubing is still sold for use as anti-tangle tubing but often is used fresh from the packet which means it still forms bends and loops on the lake bed!

The best way I found to use heavy dense tubing like the ‘ESP’ range, was to find the thinnest one possible I could fit over my line, slide it onto the line and then stretch it out as long as possible. I even used multiple lengths of it as I found multiple lengths hugged the bottom even better than just using the thinner more flexible stretched tube. Gluing tiny pieces of shot or lead putty materials to these really made a massive difference to results. If I could, I’d use a 4 metre length of tubing to pin the line down; combined with as many back leads I could add practically along the length of the line. Pressured smaller water fish are often even more spooked by lines and these tricks have proven the difference between catching nothing at all and catching forties with regularity.

Not many anglers realise that if you fish a tight line pinned very effectively to the lake bed with multiple back leads on the line as far down as possible teamed with a heavy sinker lead on the line, your initial deep hooking potential can be hugely improved. Your combined resistance of weight on the line might be nearer 6 ounces often tripping-up and converting a single bleep on the alarm to full blooded runs or at least a couple more tell-tale bleeps as fish struggled to rid the hook. I sharpen my hooks literally beyond needle sharp spending hours on this task. A few times I lost some very big fish as the points bent out with the pressure, but I’m certain these might not have been hooked without this preparation anyway.

I also choose the longest point hooks from a packet because these gain the fast deepest hook-hold initially. Those hooks with a long straight point, in turned eye and a penetration angle of 26 degrees have been exceptionally effective for gaining good deep very reliable hook holds anywhere in the mouth. I have used heavy wire Kamasan models of this type in size 4 for years with great success. (I subsequently discovered another angler found the same positive results with hooks with these characteristics as was written in the spring 2007 B.C.S.G. magazine.

I always scrap off all the golden covering and soak hooks in water in advance. I’m sure this helps not just visually, but help the hook ‘blend’ in the water electrically better... (Covering the hook in paste is an accidental edge which is great for wary fish; most anglers coat the bait only.) Some Ashima hooks have virtually identical characteristics in a thinner wire but are much harder to sharpen and tend to be brittle.

Years ago, before lines like “Big Game” became fashionable I remember fishing using sea line as leaders. The logic was that if fish spooked off the slim 8 pound German line I was using at the time because they could feel it but not see it so well, then why not use a thick line they can see? The point is that no-one else was doing this on waters I fished, so the fish had no reason to fear a thick 60 pound line passing through the water! It really multiplied catches over-night too! I made sure the fish could see this line which was brown.

It was a method which worked well wherever I fished at that time in the late eighties. I went onto using heavy braid as leaders as I noticed that some thicker cheaper ones absorbed the silt of the bottom and ‘disappeared’ as it were. On clearer weedy lakes, using braid which was marked in browns, greens, and black to break up its appearance worked very well, when everyone else was using that horrible shocking white “Big Game” line, usually in 15 pound strength. A tight line was used with my very heavy monofilament leaders and a slack line approach with braid leaders.

Braid worked even better with shot pinched onto the line at 6 inch intervals for a distance of at least 8 feet from the rig. Fixed leads were used and 2 ounce leads were tied to a rig swivel using 2 pound line and round eyed bombs and Arlesey leads were used. Results noticeably improved using leads which were flattened with a hammer to make them grip the bottom better to secure a better hook hold. This was prior to the square leads becoming popular.

Often a spot in a swim is the only place that fish will feed and take a bait, but fish may not feed or spook out if lines are detected. Often changing the angle and direction your line enters the swim can make all the difference. Sometimes it even means using a float to get your line right out of the water a few feet from your rig. Even a stick with float rubbers to attach the line can be used. Sometimes free-lining with nothing but a hook on your line is very useful too. A very light running link ledger is an almost forgotten method in these days of so-called wonder ‘anti-eject, self-hooking’ rigs, but can produce extremely satisfying confident takes where heavy 4 or even 5 ounce leads are being used by carp as the pivot or fulcrum to rid themselves of hooks repeatedly every day!

Carp may or may not have long memories or attention spans but they can certainly learn fast. I’ve done well at long range using a 3 foot long ‘confidence rig’ on a light running lead with a short back-stop. The 6 or 8 inch standard rig is so often used by the average angler that it can becomes anti-productive, especially for the warier fish, especially where an angler is using a popular commercial boilie or pellet bait they have been hooked on previously. It so pays to be different and work at it.

I tried soaking my leads and tubing in attractors which helped results. I’m sure tubing has negative chemicals it gives off when first used, so why not do something to make it attractive instead. Tying flavour capsules full of attractors to your leads works too. I started doing this in the winter especially, but carried on doing it regardless of season. Using a large PVA bag of baits to gain distance when fishing very light leads works well too. The use of method mixes and floats to hold and deposit attractive ground bait which accurately feeds your bait from above is a very effective one but not just limited to fishing ‘zig-rig’ style either. How many anglers have tried fishing a sinking ground bait and a buoyant ground bait rising from below simultaneously with a buoyant paste hook bait?

As an aside, small PVA net stockings with micro pellets and crumbled baits soaked in oil based attractors are plastered all over the magazines and this now an old method on many pressured waters. But how many anglers tie up multiple bags and tie them 2 or 3 to the hook and lead? You can even do this with solid bags and exploit more buoyant ingredients like prawn and krill meal to produce a surface baiting effect as you bags rise in the water and melt so releasing their ground bait type contents in a more scattered way over your rig... (The possibilities and potential here are rarely used!)

Tubing often has the added benefit of protecting your line against snags and abrasive things like sharp gravel bars, mussels and any rough branches or any nasty surprises like metal snags in the water etc. Sometimes rope is what is really needed, so why not use it.

I saw an article recently where someone was using thick string or thin rope as a leader specifically because it was supple and absorbed the materials and sediments of the lake bed, so rendering the ‘line’ far less likely to be associated with a rig and danger by fish. Of course, soaking your ‘rope leader’ preferably in amino acid based additives, betaine and salt before casting, makes it sink immediately and actually helps draw fish to your hook bait. There are other very exciting options for hiding your line which involve line absorbing the materials on the bottom and doing this is extremely effective. See if you can think of some; you might want to keep them to yourself!

The author has many more fishing and bait ‘edges’ any of which can have a huge impact on your catches.

By Tim Richardson.

Tumours in Rats - what to do when your pet rat has lumps and bumps

If you find a bump on your female rat, don't fret. It is usually a benign tumour. You should of course, still get it checked out by the vet. Female rats are very prone to lumps and bumps, especially around the mammary glands. Rats have nipples in odd places. There are a pair right behind their front legs, so this is a common place for a lump.

Benign tumours can grow very fast. They have been known to be the size of the rat itself. It is possible to have the lump surgically removed. If you catch the lump early, this is probably a good idea, as when it gets bigger it will make it difficult for your rat to groom herself and move around properly.

My beautiful rat Ginger has developed a benign tumour. Unfortunately the vet felt she was too old to operate on. There was too much risk involved. He also felt the lump would probably grow back elsewhere. The lump has grown over the last 4 months, but Ginger still seems happy. Sometimes she goes onto a course of antibiotics to help her feel better and she is more tired these days, but she still loves her cuddles and her best friend Mr T.

I have been giving her the following mixture to help her body fight:

Mix together the following ingredients:

3 capsules of CLA (Tonalin) (1000mg)
1 capsule Co-enzyme Q10 (10mg)
10 drops of echinacea/goldenseal liquid herbal extract
1ml of sublingual B vitamin complex liquid
1 capsule Super antioxidant formula (has vit C, E, beta-carotene and selenium - do not give this if Enervite or any other vitamin supplements are being given)
3 capsule Pau d'arco (500mg)
1 capsule Flaxseed oil (1000mg)
1" square of miso paste (pure organic, not flavored)

Divide into 14 parts and keep them in the fridge. If your ratty has a fast growing tumour give this twice a day, otherwise give it once.

You can mix it with yogurt or something else yummy that your rat loves, so as to disguise the taste.

If your male rat gets a lump, there is more chance it could be cancerous. Either way please take your rat to the vets straight away and be prepared for some nursing.

Should you Limit Your Kids Time Playing Video Games?

Whether to limit the time that a child plays video games is a question that almost every parent has battled over at least once and often many times. However, just because one parent has a specific opinion about it does not mean that another parent holds the same opinion. In other words, whether a parent should limit his or her childs time playing video games is a largely subjective, opinion question. There are, though, some signs that a parent should look for when trying to make a determination as to whether the time that his or her kid is spending on video games is too much.

If a kid who is playing video games is paying so much attention to them that his or her schoolwork is suffering, a parent might want to limit the video game time that child has. In addition, if relationships are suffering because of video games, this might also be another reason to limit the amount of time spent playing them. Video games are supposed to be for fun and enjoyment only. Unfortunately, they can actually become addictive. When someone is addicted to video games, the rest of that persons life suffers. He or she will generally not do well at all with school or work, and the relationships that have been built with others will be ignored, at least to some extent.

The person may also lose sleep, not eat well, and exhibit other behaviors consistent with focusing too much on video games and not enough on reality. This is, of course, very detrimental, especially for a child who is just developing habits. Because this is such a serious issue and can lead to many problems in the future, any parent who is concerned about how much time his or her kid is spending playing video games or any parent who sees a change in his or her child because of video game playing should limit the time each day that the child is allowed to play the video game.

How Do I Get My Business On The Internet?

This is one of the most frequently asked questions by small business owners. They are feeling the pressure from their customers and competitors, yet for many business people it is a daunting task, as they don't understand the whole process.

In fact, many people are even asking the question whether they should have a website. Whether you are a consultant, florist, designer, builder, architect or a doctor, consider the many advantages a website provides:

1. Make money - Set up an on-line store or get paid for advertising from other companies

2. Save money on advertising - Instead of paying for large ads, simply advertise your website

3. Be flexible in your message - Change the content as your business changes. No need to re-print expensive brochures.

4. Exposure to new customers - You will reach more local clients as well as interstate and global markets

5. Having more professional image - Keep up with the times and your competitors

6. Save time - Don’t spend hours on the phone, direct customers to your website

7. Keep your business open 24/7 - Provide customers information when THEY need it. If you don’t, someone else will.

So what does it really take to get your website set up?

Step 1 - Register your domain name OR not.

The big question is whether you need to register a domain name or not. The simple answer is NO, but a better answer is YES it is a good idea.

What is a domain name?

The purpose of a domain name is similar to that of a street address or telephone number. The domain name directs customers to you on the Internet. The domain by itself is not your email or web address. The domain does form the base from which these addresses are derived.

For example: Company Name: QikPhone Domain Name: qikphone.com.au Web Address: www.qikphone.com.au Email Address: sales@qikphone.com

Do I need to register a domain name to have a website?

NO, you don't need to have your own domain name. Your website can be created and hosted without it. Your website address will look something like this: www.web4business.com.au/JBCleaning OR www.ozemail.com.au/~JBCleaning

The only advantage of not registering a domain name is that you will save yourself a few dollars.

The disadvantages of NOT having your domain name include:

1. If you decide to change your Webhosting company or if that company goes out of business, you will lose your website address. Your website can be transferred to a new company, but your address will change. And that means re-printing stationery and re-doing all your advertising, notifying all your customers etc.

2. Website addresses that contain information other than your company name are long and hard to remember and do not appear as professional. Compare these two and see which one you are more likely to remember: www.ozemail.com.au/~JBCleaning OR www.JBCleaning.com.au

So it is a good idea to register a domain name, even if it is just to protect yourself for the future. Say for example, your business name is JB Cleaning and you decide not to register your domain name for now. Along comes Joe Bloggs who opens his own cleaning business and registers JBCleaning.com.au domain name. After a year you decide you want to have your own domain name, but since Joe Bloggs already owns it, you won't be able to register it. Not to mention your customers who know your business as JB Cleaning may visit his website, thinking it's your web address and instead hire Joe Bloggs Cleaning.

Step 2 - Plan your website.

Planning your website is a two part process:

(a) Decide on the website design (colour schemes, buttons, special effects etc). This is your website designer's job. However, you may have a preference for a certain colour or look. To help you choose a design, you may wish to check out other people's websites or work with your web designer's pre-set templates.

(b) The content. There are many items you may wish to include on your website. The most common ones include:

1 Product/Service Details
2. Contact Information
3. Pricing
4. Testimonials
5. Frequently Asked Questions
6. Response Form, such as "Join Mailing List"
7. On-line Magazine or Newsletter
8. Resources & Articles
9. Guarantee
10. Survey
11. Events Calender
12. Search My Website Form
13. Refund Policy
14. Privacy Policy
15. About Us Information
16. Site Map
17. Copyright information
18. Useful Links
19. Media Information
20. On-line store
21. News
22. Directions to Your Bricks & Mortar Premises

Step 3 - Choose a Web Hosting Company.

What is a Web hosting Company?

A webhost is a company that provides server space for your website. You can think of a web host as a commercial building. The web host provides space for your website just as a commercial building provides space for your shop or office. You can build your own building and you can host your own website, but because of the cost and expertise required it is easier to rent the space.

Which Company Should I Choose?

Webhosting companies are not created equal so you need to take a number of things into account when selecting one. A proven track record, experience and reliability form the foundation of any successful business partnership.

Some of the issues you should consider when choosing a webhosting company include:

1. Support - Does it provide comprehensive Technical Support - 24 hours a day, seven days a week?

2. Reliability - Does it have multiple large-scale links to the internet to provide a fail-safe path to your customers from anywhere in the world?

3. Security - Does it have a robust security system that minimises risk of web site intrusion?

4. State-of-the-art - Does the company utilises leading edge technology and is supported by a large-scale uninterruptible power supply (UPS) system.

5. Scalability - Does the product range and services offered allow your business to grow without impediment by making it easy to upgrade and add components to existing product levels.


Step 4 - Getting people to your site.

The marketing of your website is important if you want to draw visitors to your site. If you don't promote your website no-one will ever see it. There are a number of different ways of advertising your website. The best strategy is one, which integrates your existing promotion methods with your website.

1. Office Stationery - Including your web address and email address on your stationery is probably the easiest way to draw attention to your site. It's cost effective and gets your Internet presence out there in the market place.

2. Business Cards - When printing business cards you should include the individual's email address and main address of your website.

3. Radio Advertising - Radio Advertising should include your web address. Don't include the http://, try "Visit us on the internet at w-w-w-dot-qikphone-dot-com-dot-au". If your budget is limited, you may wish to consider community radios.

4. Email and Mail-Outs - Let your current customers know the details of your website. You can either send them an email or a letter/postcard. Keep your website's content up-to-date and they will keep coming back!

5. Print Media - Print advertising should include a generic email address for the company and include your website address. Normally positioned at the bottom right or bottom centre of your advertisement.

6. Search Engines & Directories - People looking for your website who don't know the URL are most likely to use an on-line search engine to look for your organisation or the kind of products and services you offer. There are over 300 major search engines and directories, but you should concentrate on the larger, more commonly used ones. These include: Google, Yahoo, Altavista, Anzwers, Inktomi, Infoseek, Lycos, Excite, HotBot, MSN, Dogpile, AllTheWeb etc.

7. Links from other websites - A good way to attract visitors to your site is through the use of hyperlinks placed on other sites. If you know of another site which has a list of links and you think your website would be a good addition, let the website owner know. You might also offer to provide a link from your site back to the other site. This will encourage the webmaster to include your site. You should also seek out partners for trading links including vendors, suppliers and providers of complimentary products.

8. Link Exchange - Another way to getting a link is through a system called Link Exchange, a free public service designed to help websites advertise each other. With Link Exchange, you agree to display advertising banners for other Link Exchange members and they agree to display banners for you. The System is automatic, you simply add a piece of HTML code to your web page and Link Exchange will display an advertisement for another website. The disadvantage with Link Exchange is that you don't get any control as to where your banner ad appears or the type of banner ads that will appear on your website. It is not possible to guarantee that a competitor of yours may have their banner ad displayed on your site.

9. Paid Banner Advertising/Affiliate Marketing Programs - Various sites give you the opportunity to purchase banner advertising on their site. Some sites will charge you a flat monthly fee while other sites will charge you based on the number of people who see your ad.

For more information about marketing your website read "30 ways to promote your website on a shoestring budget"
http://www.websites4smallbusiness.com.au/ArticlesIK30waystopromote.htm

Step 5 - Monitor your site's statistics

Your website's statistics should show who visits your website, where in the world they come from, how they are finding your site and what pages are being viewed. Knowing your customers is the first step in effective marketing. Most webhosting companies will provide access to this information free of charge.

Step 6 - Maintaining your website

It is important to update your website regularly to keep your customers interested. One of the great advantages of having a website is that you can change its content virtually overnight at minimal cost (unlike re-printing brochures and flyers).

This is just a brief overview of the process involved in getting your website up and running. In future articles we will cover each step in more detail.

For more information about getting your business on the internet you may also wish to check out:

Web-Programming: An Alternative To Unproductive Advertising

As of this writing the television writers in Hollywood are on strike. The significance of this strike will be felt far beyond the current television season and impact what and where people will get their entertainment in the future. People are now not only embracing the Web for their information needs but are also increasingly turning to it for their entertainment needs as well.

The Web will soon be 'the place' that fills the programming vacuum that network broadcasters have been unwilling and/or unable to fulfill. People were prepared to tolerate constant reruns, dreadful programming, and incessant repetitive ads as long as there was no alternative, but that is no loner the case. Viewers now have an option to bad television and it's the Web, but why should you care and more importantly how can you take advantage of the opportunity it creates?

Why Should You Care?

Information and entertainment have melded in recent years creating what has been dubbed 'infotainment.' It can be argued that the evening news has become more entertainment than hard news and let's not even get into venues like the History Channel where fact and fiction seem to be presented in equal and indistinguishable doses. So what does all this have to do with you and how you deliver your marketing message?

The time is coming, if it is not here already, that companies will not be able to get away with merely uploading online brochures and catalogues, or even extensive screeds singing the praises of every feature and benefit associated with their offering. People demand more, they insist your website be interesting, informative, and entertaining; and it is this aspect of entertainment that potentially makes your marketing presentation memorable.

What Is Web-Programming?

Web-programming takes the creative Web-video campaign concept and pushes it one step further up the evolutionary marketing scale by integrating the message into a programming environment.

This concept is not an entirely new idea, in fact one of the most noted television commercial campaigns of 1991 was the Taster's Choice soap opera-like series of spots that wove the marketing message into a courtship relationship between two apartment neighbors. In an environment where information and entertainment blur, it seems like an ideal solution to capturing an audience's attention and interest, and creating a viral buzz that few products or services can generate by presenting a bulleted list of features.

Build Brand Relationships

James E. Aisner, in his article 'More Than A Name: The Role of Brands in People's Lives' (HBS Working Knowledge For Business Leaders) references the research of Harvard Business School Professor, Susan M. Fournier, "Fournier has created a typology of fifteen different types of relationships between consumers and their brands." These brand relationships include the secret affair, the best friend, kinship, the fling, courtship, the marriage-of-convenience, casual friendship, childhood friendship, mother and child, and master-slave.

What kind of relationship does your brand have with your audience? Is it a short-term fling that starts with a lot of heat and passion and then quickly cools-off, or is it a long-term marriage that will last a lifetime? Finding, and promoting the most appropriate and beneficial brand relationship is the marketing goal of your Web-programming marketing initiative.

Part of the problem many smaller organizations have in developing successful marketing campaigns is that they think in terms of products and services rather than brands; features and benefits rather than relationships. Almost every product or service on the market can be replaced with a competitive substitute, but brands are much harder to replace; brands create a competitive barrier through the development of relationships based on prototypical psychological and emotional factors, the same kinds of factors that govern your personal relationships.

Generate Trust, Confidence, Loyalty and Passion

In his article, "A Brand New You," (Psychology Today), W. Eric Martin tells us that brands came into vogue in the post Civil War era as a response to an increasing mobile population that began to lose touch with local merchants and shopkeepers. Brands became a substitute for the personal relationships that people had with their suppliers. This seemingly minor historic fact helps us understand the significance of brands in today's Web-centric marketplace.

Today's consumer-client, whether retail or business-to-business is more remote, more isolated from the supplier than ever before. The Web allows us to market our products and services anywhere in the world, but in order to actually make a sale, we must establish a relationship that generates a sufficient level of trust, confidence, loyalty and passion. Sneer if you will at the passion and loyalty most Macintosh users have for their computers, but what other computer company can claim such brand allegiance?

Relationships Are Based On Psychological Needs

At the heart of any relationship is the emotional or psychological need that that relationship fulfills. If you haven't found that connection in what you do then you are at a definite competitive disadvantage; and you are competing on the most fickle and transient of factors: price and features. In business, there will always be someone who is prepared to sell a substitute product or service for less, or with more bells and whistles. So why would you ever want to compete on that basis?

It really doesn't matter what business you're in, there is always some emotional or psychological component to what you do. The iPod is the market leader in its category despite numerous competitors; it holds that position not because it's the cheapest, which it definitely isn't, or the product with the most features, which it probably is, but because it's an iPod - not a tool but a status symbol, a badge of intelligence and taste, a brand relationship akin to being a member of the coolest club in town.

Web-programming Development

In short, Web-programming is a marketing campaign based on a series of episodic Web-videos tied together by plotline and character development; an ongoing initiative that weaves into its storyline the marketing pitch. The integration of the marketing pitch can be done subtly using product placement techniques or overtly making the pitch part of the story arc.

This marketing technique is not for everyone; it is certainly not for the unsophisticated or for the marketer who is afraid to experiment or to take a chance.

If you are looking for an instant direct financial return like a big sale sign in your storefront window then you are not looking for marketing, you're looking for promotions. Marketing is all about building a brand relationship with your audience. The more time and effort you invest in marketing, the more solid your brand relationship will be, and the more appropriate the clients you'll attract and keep.

Web-programming - Where To Begin

There are four minimal requirements needed to create an episodic Web-video marketing campaign: need identification, point-of-view, attitude, and transformation. These are the same elements defined by Syd Field, the well-respected author, producer, screenwriter, and lecturer, in his book, "The Screenwriter's Workbook;" and they are the same elements that all top-notch salesmen use to build client-relationships - ask yourself - have you ever met a top salesman who wasn't a great storyteller?

Need Identification

Like all episodic series yours will need a hero or protagonist; this is the person your audience will identify with and who will act as their surrogate.

Your protagonist must be searching for something that relates to the emotional or psychological need fulfilled by your product or service. Anyone who has ever had to deal with an insurance company certainly understands the Geico caveman's need for respect. His frustration is the perfect foil for the company's marketing message, 'it's so easy a caveman can do it.' We are all cavemen at heart, seeking respect from big business bureaucracies that make us jump through hoops just to place an order.

Point-of-View

You must present your material from a particular point-of-view. Is your presentation told from the protagonist's point-of-view or is it told from an objective observer's, perhaps through voice-over. It can even be counter-intuitive and be told from an antagonist's point-of-view.

If your scenario is more procedural based, you can even present it from different points-of-view each delivering alternative perspectives, each highlighting different aspects of the emotional fulfillment.

Attitude

Attitude is especially important for Web-based presentations, but it is also one of the scariest aspects of marketing for the faint-of-heart. All too often businesses shy away from bold statements, or extreme displays for fear of alienating some segment of the audience, but it's attitude that grabs people's attention, makes the presentation memorable, and qualifies leads and inquiries.

Transformation

One of the hardest things a commercial-based episodic series has to deal with is story arc. What change takes place over the life of the series and is the campaign concept strong enough to sustain itself? What transformation takes place? Does your protagonist find fulfillment or does he fail to find the emotional or psychological answer he's looking for. If you're not sure what deep-seated need your product or service satisfies, find the conflict.

All stories are based on conflict, frustration, and desire, whether it's the search for 'whiter whites' or better insurance. If your concept is without conflict, you are not illustrating the need for your solution.

You can show successful transformation based on the adoption of your solution or you can show failure whichever works best for what you're marketing and the audience you are trying to attract.

Conclusion

The Web has from its infancy provided business with enormous marketing opportunities. As the Web's capabilities increase over time, these opportunities increase as well. As much as other media tries to adapt to the competitive pressures created by the Web, old methods and attitudes die-hard; the writer's strike being just one example of a group trying to maintain dominance in an environment they cannot control. The opportunities are there to make your marketing mark if you have the courage to act.

Web-Programming: An Alternative To Unproductive Advertising

As of this writing the television writers in Hollywood are on strike. The significance of this strike will be felt far beyond the current television season and impact what and where people will get their entertainment in the future. People are now not only embracing the Web for their information needs but are also increasingly turning to it for their entertainment needs as well.

The Web will soon be 'the place' that fills the programming vacuum that network broadcasters have been unwilling and/or unable to fulfill. People were prepared to tolerate constant reruns, dreadful programming, and incessant repetitive ads as long as there was no alternative, but that is no loner the case. Viewers now have an option to bad television and it's the Web, but why should you care and more importantly how can you take advantage of the opportunity it creates?

Why Should You Care?

Information and entertainment have melded in recent years creating what has been dubbed 'infotainment.' It can be argued that the evening news has become more entertainment than hard news and let's not even get into venues like the History Channel where fact and fiction seem to be presented in equal and indistinguishable doses. So what does all this have to do with you and how you deliver your marketing message?

The time is coming, if it is not here already, that companies will not be able to get away with merely uploading online brochures and catalogues, or even extensive screeds singing the praises of every feature and benefit associated with their offering. People demand more, they insist your website be interesting, informative, and entertaining; and it is this aspect of entertainment that potentially makes your marketing presentation memorable.

What Is Web-Programming?

Web-programming takes the creative Web-video campaign concept and pushes it one step further up the evolutionary marketing scale by integrating the message into a programming environment.

This concept is not an entirely new idea, in fact one of the most noted television commercial campaigns of 1991 was the Taster's Choice soap opera-like series of spots that wove the marketing message into a courtship relationship between two apartment neighbors. In an environment where information and entertainment blur, it seems like an ideal solution to capturing an audience's attention and interest, and creating a viral buzz that few products or services can generate by presenting a bulleted list of features.

Build Brand Relationships

James E. Aisner, in his article 'More Than A Name: The Role of Brands in People's Lives' (HBS Working Knowledge For Business Leaders) references the research of Harvard Business School Professor, Susan M. Fournier, "Fournier has created a typology of fifteen different types of relationships between consumers and their brands." These brand relationships include the secret affair, the best friend, kinship, the fling, courtship, the marriage-of-convenience, casual friendship, childhood friendship, mother and child, and master-slave.

What kind of relationship does your brand have with your audience? Is it a short-term fling that starts with a lot of heat and passion and then quickly cools-off, or is it a long-term marriage that will last a lifetime? Finding, and promoting the most appropriate and beneficial brand relationship is the marketing goal of your Web-programming marketing initiative.

Part of the problem many smaller organizations have in developing successful marketing campaigns is that they think in terms of products and services rather than brands; features and benefits rather than relationships. Almost every product or service on the market can be replaced with a competitive substitute, but brands are much harder to replace; brands create a competitive barrier through the development of relationships based on prototypical psychological and emotional factors, the same kinds of factors that govern your personal relationships.

Generate Trust, Confidence, Loyalty and Passion

In his article, "A Brand New You," (Psychology Today), W. Eric Martin tells us that brands came into vogue in the post Civil War era as a response to an increasing mobile population that began to lose touch with local merchants and shopkeepers. Brands became a substitute for the personal relationships that people had with their suppliers. This seemingly minor historic fact helps us understand the significance of brands in today's Web-centric marketplace.

Today's consumer-client, whether retail or business-to-business is more remote, more isolated from the supplier than ever before. The Web allows us to market our products and services anywhere in the world, but in order to actually make a sale, we must establish a relationship that generates a sufficient level of trust, confidence, loyalty and passion. Sneer if you will at the passion and loyalty most Macintosh users have for their computers, but what other computer company can claim such brand allegiance?

Relationships Are Based On Psychological Needs

At the heart of any relationship is the emotional or psychological need that that relationship fulfills. If you haven't found that connection in what you do then you are at a definite competitive disadvantage; and you are competing on the most fickle and transient of factors: price and features. In business, there will always be someone who is prepared to sell a substitute product or service for less, or with more bells and whistles. So why would you ever want to compete on that basis?

It really doesn't matter what business you're in, there is always some emotional or psychological component to what you do. The iPod is the market leader in its category despite numerous competitors; it holds that position not because it's the cheapest, which it definitely isn't, or the product with the most features, which it probably is, but because it's an iPod - not a tool but a status symbol, a badge of intelligence and taste, a brand relationship akin to being a member of the coolest club in town.

Web-programming Development

In short, Web-programming is a marketing campaign based on a series of episodic Web-videos tied together by plotline and character development; an ongoing initiative that weaves into its storyline the marketing pitch. The integration of the marketing pitch can be done subtly using product placement techniques or overtly making the pitch part of the story arc.

This marketing technique is not for everyone; it is certainly not for the unsophisticated or for the marketer who is afraid to experiment or to take a chance.

If you are looking for an instant direct financial return like a big sale sign in your storefront window then you are not looking for marketing, you're looking for promotions. Marketing is all about building a brand relationship with your audience. The more time and effort you invest in marketing, the more solid your brand relationship will be, and the more appropriate the clients you'll attract and keep.

Web-programming - Where To Begin

There are four minimal requirements needed to create an episodic Web-video marketing campaign: need identification, point-of-view, attitude, and transformation. These are the same elements defined by Syd Field, the well-respected author, producer, screenwriter, and lecturer, in his book, "The Screenwriter's Workbook;" and they are the same elements that all top-notch salesmen use to build client-relationships - ask yourself - have you ever met a top salesman who wasn't a great storyteller?

Need Identification

Like all episodic series yours will need a hero or protagonist; this is the person your audience will identify with and who will act as their surrogate.

Your protagonist must be searching for something that relates to the emotional or psychological need fulfilled by your product or service. Anyone who has ever had to deal with an insurance company certainly understands the Geico caveman's need for respect. His frustration is the perfect foil for the company's marketing message, 'it's so easy a caveman can do it.' We are all cavemen at heart, seeking respect from big business bureaucracies that make us jump through hoops just to place an order.

Point-of-View

You must present your material from a particular point-of-view. Is your presentation told from the protagonist's point-of-view or is it told from an objective observer's, perhaps through voice-over. It can even be counter-intuitive and be told from an antagonist's point-of-view.

If your scenario is more procedural based, you can even present it from different points-of-view each delivering alternative perspectives, each highlighting different aspects of the emotional fulfillment.

Attitude

Attitude is especially important for Web-based presentations, but it is also one of the scariest aspects of marketing for the faint-of-heart. All too often businesses shy away from bold statements, or extreme displays for fear of alienating some segment of the audience, but it's attitude that grabs people's attention, makes the presentation memorable, and qualifies leads and inquiries.

Transformation

One of the hardest things a commercial-based episodic series has to deal with is story arc. What change takes place over the life of the series and is the campaign concept strong enough to sustain itself? What transformation takes place? Does your protagonist find fulfillment or does he fail to find the emotional or psychological answer he's looking for. If you're not sure what deep-seated need your product or service satisfies, find the conflict.

All stories are based on conflict, frustration, and desire, whether it's the search for 'whiter whites' or better insurance. If your concept is without conflict, you are not illustrating the need for your solution.

You can show successful transformation based on the adoption of your solution or you can show failure whichever works best for what you're marketing and the audience you are trying to attract.

Conclusion

The Web has from its infancy provided business with enormous marketing opportunities. As the Web's capabilities increase over time, these opportunities increase as well. As much as other media tries to adapt to the competitive pressures created by the Web, old methods and attitudes die-hard; the writer's strike being just one example of a group trying to maintain dominance in an environment they cannot control. The opportunities are there to make your marketing mark if you have the courage to act.

Sex Crimes and Their Defense in Minnesota

Under Minnesota law, criminal sexual conduct or sex crimes may include: rape, statutory rape, unwanted sexual contact, criminal sexual assault, child pornography, child solicitation or child enticement, solicitation of mentally impaired persons, sodomy, incest, fornication, pimping, and prostitution. Some prohibitions, like those against sodomy and fornication, are technically still on the books, but rarely enforced.

The Minnesota Office of the Legislative Auditor has the following statistics on sexual conduct and sexual assault crimes:

The number of reported sex offenses in Minnesota increased almost threefold between 1971 and 1984, but has remained relatively constant since then.

The number of sex offenses (sexual assault, rape, sexual conduct) reported to the police increased from 2,303 offenses in 1971 to 6,589 offenses in 1984. In 1993, 6,439 sex offenses were reported, of which 49 percent resulted in an arrest.

Between 1981 and 1992, adult convictions for sex offenses involving force remained at the level of 145 to 190 each year, but convictions for child sexual abuse nearly tripled, rising from 160 to 461, and convictions for interfamilial sex abuse increasing from 3 to 154.

Reflecting these trends, about 90 percent of the victims of convicted sex offenders were children or adolescents. Nearly all of the victims of adjudicated juvenile offenders were under 18 years old, as were 84 percent of the victims of adult offenders (with 46 percent under age 13). Nearly all convicted sex offenders (97 percent) were male and most of their victims were female, although 18 percent of the victims of juvenile offenders and 13 percent of the victims of adult offenders were male.

Criminal sexual conduct is divided into four degrees depending upon the age of the victim, age of the accused, whether force is used, and the existence of any special relationship between the parties, such as parent-child or physician-patient. In Minnesota, judges are required to double the punishment imposed on a pattern sex offender, which is someone who repeats or is likely to repeat a sex crime, or someone who plans the crime. Moreover, if convicted of a sex crime, offenders must register with police departments across the state.

FIRST DEGREE. First Degree sexual conduct/assault requires sexual penetration with another person. Remember - A mistake regarding the complainant's age or consent by the underage person is not a defense to a sexual conduct crime.

Age Difference. The complainant is under 13 years of age and the actor is more than 36 months older than the complainant; or the complainant is at least 13 years of age but less than 16 years of age and the actor is more than 48 months older than the complainant and in a position of authority.

Fear of Great Harm. Circumstances existing at the time of the act cause the complainant to have a reasonable fear of imminent great bodily harm to the complainant or another;

Armed with Weapon. The actor is armed with a dangerous weapon or any article used or fashioned in a manner to lead the complainant to reasonably believe it to be a dangerous weapon and uses or threatens to use the weapon or article to cause the complainant to submit;

Personal Injury. The actor causes personal injury to the complainant, and either of the following circumstances exist:

The actor uses force or coercion to accomplish sexual penetration; or

The actor knows or has reason to know that the complainant is mentally impaired, mentally incapacitated, or physically helpless;

The actor is aided or abetted by one or more accomplices and force or coercion is used or the accomplice is armed with a dangerous weapon.

Significant Relationship. A significant relationship generally means that the parties live together. It is a crime if the actor has a significant relationship to the complainant and the complainant was under 16 years of age at the time of the sexual penetration.

Penalty. Not more than 30 years and a fine of not more than $40,000. There is a presumptive executed sentence of 144 months.

SECOND DEGREE. Second degree criminal sexual conduct/assault does not require penetration. Instead, it involves "sexual contact." Sexual contact has been defined by case law to mean touching of the genital area, breast, inner thigh, or buttocks with a sexual intent. The sexual touching may occur on the flesh or through the clothing.

Age Difference. The complainant is under 13 years of age and the actor is more than 36 months older than the complainant; or the complainant is at least 13 years of age but less than 16 years of age and the actor is more than 48 months older than the complainant and in a position of authority.

Fear of Great Harm. Circumstances existing at the time of the act cause the complainant to have a reasonable fear of imminent great bodily harm to the complainant or another;

Armed with Weapon. The actor is armed with a dangerous weapon or any article used or fashioned in a manner to lead the complainant to reasonably believe it to be a dangerous weapon and uses or threatens to use the weapon or article to cause the complainant to submit;

Personal Injury. The actor causes personal injury to the complainant, and either of the following circumstances exist:

The actor uses force or coercion to accomplish sexual penetration; or

The actor knows or has reason to know that the complainant is mentally impaired, mentally incapacitated, or physically helpless;

The actor is aided or abetted by one or more accomplices and force or coercion is used or the accomplice is armed with a dangerous weapon.

Significant Relationship. A significant relationship generally means that the parties live together. It is a crime if the actor has a significant relationship to the complainant and the complainant was under 16 years of age at the time of the sexual penetration.

Penalty. Not more than 25 years and payment of a fine of not more than $35,000.

THIRD DEGREE. Third degree criminal sexual conduct is similar to first degree in that it requires sexual penetration. Penetration is liberally construed to included penetration of the anal or genital openings and specifically includes digital and oral penetration. Third degree sexual conduct is generally charged for behavior that is not as extreme as first degree sexual assault.

Age Difference. The complainant is under 13 years of age and the actor is more than 36 months older than the complainant; or the complainant is at least 13 but less than 16 years of age and the actor is more than 24 months older than the complainant. In any such case it shall be an affirmative defense, which must be proved by a preponderance of the evidence, that the actor believes the complainant to be 16 years of age or older. Consent by the complainant is not a defense.

Force or Coercion. the actor uses force or coercion to accomplish the penetration

Mental & Physical Infirmity of Victim. The actor knows or has reason to know that the complainant is mentally impaired, mentally incapacitated, or physically helpless.

Position of Authority. The complainant is at least 16 but less than 18 years of age and the actor is more than 48 months older than the complainant and in a position of authority over the complainant. Neither mistake as to the complainant's age nor consent to the act by the complainant is a defense.

Penalty. If the actor in such a case is no more than 48 months but more than 24 months older than the complainant, the actor may be sentenced to imprisonment for not more than five years. Otherwise a person convicted may be sentenced to imprisonment for not more than 15 years and a payment of not more than $30,000.

FOURTH DEGREE. A person who engages in sexual contact with another person is guilty of criminal sexual conduct in the fourth degree if any of the following circumstances exists:

Age Difference. The complainant is under 13 years of age and the actor is no more than 36 months older than the complainant. Neither mistake as to the complainant's age or consent to the act by the complainant is a defense. In a prosecution under this clause, the state is not required to prove that the sexual contact was coerced. Additionally, if the complainant is at least 13 but less than 16 years of age and the actor is more than 48 months older than the complainant or in a position of authority over the complainant fourth degree sexual conduct may be charged. Consent by the complainant to the act is not a defense. In any such case, it shall be an affirmative defense which must be proved by a preponderance of the evidence that the actor believes the complainant to be 16 years of age or older.

Force or Coercion. The actor uses force or coercion to accomplish the sexual contact.

Mental & Physical Infirmity of Victim. The actor knows or has reason to know that the complainant is mentally impaired, mentally incapacitated, or physically helpless.

Position of Authority. The complainant is at least 16 but less than 18 years of age and the actor is more than 48 months older than the complainant and in a position of authority over the complainant. Neither mistake as to the complainant's age nor consent to the act by the complainant is a defense.

Significant Relationship. The actor has a significant relationship to the complainant and the complainant was at least 16 but under 18 years of age at the time of the sexual contact.

Penalty. A person convicted may be sentenced to not more than ten years and a payment of a fine of not more than $20,000.

FIFTH DEGREE. A person is guilty of criminal sexual conduct in the fifth degree:

(1) if the person engages in nonconsensual sexual contact; or

(2) the person engages in masturbation or lewd exhibition of the genitals in the presence of a minor under the age of 16, knowing or having reason to know the minor is present.

"Sexual contact" does not include the intentional touching of the clothing covering the immediate area of the buttocks. Sexual contact does includes the intentional removal or attempted removal of clothing covering the complainant's intimate parts or undergarments, and the nonconsensual touching by the complainant of the actor's intimate parts, effected by the actor, if the action is performed with sexual or aggressive intent.

. Penalty. A person convicted may be sentenced to imprisonment for not more than one year and payment of a fine of not more than $3,000. The charge may be increased to a felony with imprisonment for not more than five years and payment of $10,000, if the person has prior violations.

AGGRESSIVE DEFENSE

In today's world much hysteria and controversy swirls around sexual abuse. A person accused may find that even if acquitted they are looked upon with suspicion and fear. The allegation itself can carry with significant stigma and social repercussions. Too often, prosecutors charge out criminal sexual conduct cases based solely on an allegation. There is often little physical evidence. Though it may seem the case is weak, an aggressive and proactive defense is necessary. That may include hiring experts to review witness interviews for suggestive language and improper techniques.

If you are accused take these steps:

Do not give any statements to law enforcement and do not discuss the case with any other people until you have retained legal counsel;

Hire an experienced criminal defense lawyer;

Write down the names of potential helpful witnesses;

Only after retaining a lawyer should you make written notes regarding the allegations. these should be provided to your lawyer.

Sex Crimes and Their Defense in Minnesota

Under Minnesota law, criminal sexual conduct or sex crimes may include: rape, statutory rape, unwanted sexual contact, criminal sexual assault, child pornography, child solicitation or child enticement, solicitation of mentally impaired persons, sodomy, incest, fornication, pimping, and prostitution. Some prohibitions, like those against sodomy and fornication, are technically still on the books, but rarely enforced.

The Minnesota Office of the Legislative Auditor has the following statistics on sexual conduct and sexual assault crimes:

The number of reported sex offenses in Minnesota increased almost threefold between 1971 and 1984, but has remained relatively constant since then.

The number of sex offenses (sexual assault, rape, sexual conduct) reported to the police increased from 2,303 offenses in 1971 to 6,589 offenses in 1984. In 1993, 6,439 sex offenses were reported, of which 49 percent resulted in an arrest.

Between 1981 and 1992, adult convictions for sex offenses involving force remained at the level of 145 to 190 each year, but convictions for child sexual abuse nearly tripled, rising from 160 to 461, and convictions for interfamilial sex abuse increasing from 3 to 154.

Reflecting these trends, about 90 percent of the victims of convicted sex offenders were children or adolescents. Nearly all of the victims of adjudicated juvenile offenders were under 18 years old, as were 84 percent of the victims of adult offenders (with 46 percent under age 13). Nearly all convicted sex offenders (97 percent) were male and most of their victims were female, although 18 percent of the victims of juvenile offenders and 13 percent of the victims of adult offenders were male.

Criminal sexual conduct is divided into four degrees depending upon the age of the victim, age of the accused, whether force is used, and the existence of any special relationship between the parties, such as parent-child or physician-patient. In Minnesota, judges are required to double the punishment imposed on a pattern sex offender, which is someone who repeats or is likely to repeat a sex crime, or someone who plans the crime. Moreover, if convicted of a sex crime, offenders must register with police departments across the state.

FIRST DEGREE. First Degree sexual conduct/assault requires sexual penetration with another person. Remember - A mistake regarding the complainant's age or consent by the underage person is not a defense to a sexual conduct crime.

Age Difference. The complainant is under 13 years of age and the actor is more than 36 months older than the complainant; or the complainant is at least 13 years of age but less than 16 years of age and the actor is more than 48 months older than the complainant and in a position of authority.

Fear of Great Harm. Circumstances existing at the time of the act cause the complainant to have a reasonable fear of imminent great bodily harm to the complainant or another;

Armed with Weapon. The actor is armed with a dangerous weapon or any article used or fashioned in a manner to lead the complainant to reasonably believe it to be a dangerous weapon and uses or threatens to use the weapon or article to cause the complainant to submit;

Personal Injury. The actor causes personal injury to the complainant, and either of the following circumstances exist:

The actor uses force or coercion to accomplish sexual penetration; or

The actor knows or has reason to know that the complainant is mentally impaired, mentally incapacitated, or physically helpless;

The actor is aided or abetted by one or more accomplices and force or coercion is used or the accomplice is armed with a dangerous weapon.

Significant Relationship. A significant relationship generally means that the parties live together. It is a crime if the actor has a significant relationship to the complainant and the complainant was under 16 years of age at the time of the sexual penetration.

Penalty. Not more than 30 years and a fine of not more than $40,000. There is a presumptive executed sentence of 144 months.

SECOND DEGREE. Second degree criminal sexual conduct/assault does not require penetration. Instead, it involves "sexual contact." Sexual contact has been defined by case law to mean touching of the genital area, breast, inner thigh, or buttocks with a sexual intent. The sexual touching may occur on the flesh or through the clothing.

Age Difference. The complainant is under 13 years of age and the actor is more than 36 months older than the complainant; or the complainant is at least 13 years of age but less than 16 years of age and the actor is more than 48 months older than the complainant and in a position of authority.

Fear of Great Harm. Circumstances existing at the time of the act cause the complainant to have a reasonable fear of imminent great bodily harm to the complainant or another;

Armed with Weapon. The actor is armed with a dangerous weapon or any article used or fashioned in a manner to lead the complainant to reasonably believe it to be a dangerous weapon and uses or threatens to use the weapon or article to cause the complainant to submit;

Personal Injury. The actor causes personal injury to the complainant, and either of the following circumstances exist:

The actor uses force or coercion to accomplish sexual penetration; or

The actor knows or has reason to know that the complainant is mentally impaired, mentally incapacitated, or physically helpless;

The actor is aided or abetted by one or more accomplices and force or coercion is used or the accomplice is armed with a dangerous weapon.

Significant Relationship. A significant relationship generally means that the parties live together. It is a crime if the actor has a significant relationship to the complainant and the complainant was under 16 years of age at the time of the sexual penetration.

Penalty. Not more than 25 years and payment of a fine of not more than $35,000.

THIRD DEGREE. Third degree criminal sexual conduct is similar to first degree in that it requires sexual penetration. Penetration is liberally construed to included penetration of the anal or genital openings and specifically includes digital and oral penetration. Third degree sexual conduct is generally charged for behavior that is not as extreme as first degree sexual assault.

Age Difference. The complainant is under 13 years of age and the actor is more than 36 months older than the complainant; or the complainant is at least 13 but less than 16 years of age and the actor is more than 24 months older than the complainant. In any such case it shall be an affirmative defense, which must be proved by a preponderance of the evidence, that the actor believes the complainant to be 16 years of age or older. Consent by the complainant is not a defense.

Force or Coercion. the actor uses force or coercion to accomplish the penetration

Mental & Physical Infirmity of Victim. The actor knows or has reason to know that the complainant is mentally impaired, mentally incapacitated, or physically helpless.

Position of Authority. The complainant is at least 16 but less than 18 years of age and the actor is more than 48 months older than the complainant and in a position of authority over the complainant. Neither mistake as to the complainant's age nor consent to the act by the complainant is a defense.

Penalty. If the actor in such a case is no more than 48 months but more than 24 months older than the complainant, the actor may be sentenced to imprisonment for not more than five years. Otherwise a person convicted may be sentenced to imprisonment for not more than 15 years and a payment of not more than $30,000.

FOURTH DEGREE. A person who engages in sexual contact with another person is guilty of criminal sexual conduct in the fourth degree if any of the following circumstances exists:

Age Difference. The complainant is under 13 years of age and the actor is no more than 36 months older than the complainant. Neither mistake as to the complainant's age or consent to the act by the complainant is a defense. In a prosecution under this clause, the state is not required to prove that the sexual contact was coerced. Additionally, if the complainant is at least 13 but less than 16 years of age and the actor is more than 48 months older than the complainant or in a position of authority over the complainant fourth degree sexual conduct may be charged. Consent by the complainant to the act is not a defense. In any such case, it shall be an affirmative defense which must be proved by a preponderance of the evidence that the actor believes the complainant to be 16 years of age or older.

Force or Coercion. The actor uses force or coercion to accomplish the sexual contact.

Mental & Physical Infirmity of Victim. The actor knows or has reason to know that the complainant is mentally impaired, mentally incapacitated, or physically helpless.

Position of Authority. The complainant is at least 16 but less than 18 years of age and the actor is more than 48 months older than the complainant and in a position of authority over the complainant. Neither mistake as to the complainant's age nor consent to the act by the complainant is a defense.

Significant Relationship. The actor has a significant relationship to the complainant and the complainant was at least 16 but under 18 years of age at the time of the sexual contact.

Penalty. A person convicted may be sentenced to not more than ten years and a payment of a fine of not more than $20,000.

FIFTH DEGREE. A person is guilty of criminal sexual conduct in the fifth degree:

(1) if the person engages in nonconsensual sexual contact; or

(2) the person engages in masturbation or lewd exhibition of the genitals in the presence of a minor under the age of 16, knowing or having reason to know the minor is present.

"Sexual contact" does not include the intentional touching of the clothing covering the immediate area of the buttocks. Sexual contact does includes the intentional removal or attempted removal of clothing covering the complainant's intimate parts or undergarments, and the nonconsensual touching by the complainant of the actor's intimate parts, effected by the actor, if the action is performed with sexual or aggressive intent.

. Penalty. A person convicted may be sentenced to imprisonment for not more than one year and payment of a fine of not more than $3,000. The charge may be increased to a felony with imprisonment for not more than five years and payment of $10,000, if the person has prior violations.

AGGRESSIVE DEFENSE

In today's world much hysteria and controversy swirls around sexual abuse. A person accused may find that even if acquitted they are looked upon with suspicion and fear. The allegation itself can carry with significant stigma and social repercussions. Too often, prosecutors charge out criminal sexual conduct cases based solely on an allegation. There is often little physical evidence. Though it may seem the case is weak, an aggressive and proactive defense is necessary. That may include hiring experts to review witness interviews for suggestive language and improper techniques.

If you are accused take these steps:

Do not give any statements to law enforcement and do not discuss the case with any other people until you have retained legal counsel;

Hire an experienced criminal defense lawyer;

Write down the names of potential helpful witnesses;

Only after retaining a lawyer should you make written notes regarding the allegations. these should be provided to your lawyer.

Getting The Right Vacuum Cleaner For Your Home

Buying a vacuum cleaner might seem easy, but there are important issues to consider. These include price, features, and what type and size of house a person has. A large house needs a stronger vacuum if the house is carpeted. In addition, pets or children can affect how often a home is vacuumed and how hard a vacuum cleaner will need to work to ensure cleanliness. People with hardwood floors may also want vacuum cleaners, but they will likely be more interested in a canister vacuum as opposed to an upright. A canister vacuum is better designed to handle rugs and draperies, as well as upholstery. These kinds of vacuums do not do well, however, for individuals with wall to wall carpet, because their cleaning power is not the same.

The price of a vacuum cleaner is very important, but not to everyone. Some people have more money than others, and those who are rich simply buy what they want. For the majority of individuals, however, how much a vacuum cleaner costs affects whether a person buys it or not. In addition, many people look at the price of a vacuum cleaner based on several factors, such as the width of the cleaning path, the size of the motor, and what kinds of attachments come along with it. A vacuum with a stronger motor and more attachments should generally cost more. However, there are some discrepancies in price in almost any category of vacuum cleaner, and taking one’s time to find the best deal is often worth it.

The brand of vacuum cleaner that is purchased can also affect price and be very significant for many people. There are some people who swear by a particular brand and will not purchase anything else, just as there are some people who do not care what brand they buy, as long as it works well and is priced right. Most people fall somewhere in the middle. They have certain brands that they like, but they will pick from among those brands based on price and other factors. In addition, they might consider going outside of that group of brands if they find something that seems to be a particularly good deal, or if something else has been recommended to them from someone who they trust.

There are some vacuum choices that a lot of people do not consider, but which are still good options for many people. For those who have multi-story homes, having a vacuum cleaner on each floor is generally a good option, to avoid carrying a vacuum cleaner up and down stairs. Some of these individuals will opt to have a central vacuum cleaner installed in a home so that there is only a very lightweight hose to carry around when vacuuming. In addition, some people use a robotic vacuum if they have a small area of hard floor which they want to clean very easily. These are not designed for large areas, however, or for carpeted areas. There are so many choices for a vacuum cleaner today that people can generally find whatever it is that they are looking for, making their cleaning easier.

Getting The Right Vacuum Cleaner For Your Home

Buying a vacuum cleaner might seem easy, but there are important issues to consider. These include price, features, and what type and size of house a person has. A large house needs a stronger vacuum if the house is carpeted. In addition, pets or children can affect how often a home is vacuumed and how hard a vacuum cleaner will need to work to ensure cleanliness. People with hardwood floors may also want vacuum cleaners, but they will likely be more interested in a canister vacuum as opposed to an upright. A canister vacuum is better designed to handle rugs and draperies, as well as upholstery. These kinds of vacuums do not do well, however, for individuals with wall to wall carpet, because their cleaning power is not the same.

The price of a vacuum cleaner is very important, but not to everyone. Some people have more money than others, and those who are rich simply buy what they want. For the majority of individuals, however, how much a vacuum cleaner costs affects whether a person buys it or not. In addition, many people look at the price of a vacuum cleaner based on several factors, such as the width of the cleaning path, the size of the motor, and what kinds of attachments come along with it. A vacuum with a stronger motor and more attachments should generally cost more. However, there are some discrepancies in price in almost any category of vacuum cleaner, and taking one’s time to find the best deal is often worth it.

The brand of vacuum cleaner that is purchased can also affect price and be very significant for many people. There are some people who swear by a particular brand and will not purchase anything else, just as there are some people who do not care what brand they buy, as long as it works well and is priced right. Most people fall somewhere in the middle. They have certain brands that they like, but they will pick from among those brands based on price and other factors. In addition, they might consider going outside of that group of brands if they find something that seems to be a particularly good deal, or if something else has been recommended to them from someone who they trust.

There are some vacuum choices that a lot of people do not consider, but which are still good options for many people. For those who have multi-story homes, having a vacuum cleaner on each floor is generally a good option, to avoid carrying a vacuum cleaner up and down stairs. Some of these individuals will opt to have a central vacuum cleaner installed in a home so that there is only a very lightweight hose to carry around when vacuuming. In addition, some people use a robotic vacuum if they have a small area of hard floor which they want to clean very easily. These are not designed for large areas, however, or for carpeted areas. There are so many choices for a vacuum cleaner today that people can generally find whatever it is that they are looking for, making their cleaning easier.

How to Make Warhammer Modeling Flock

Spending almost $200 of your budget for a modeling flock is too big just to produce a 4' x 4' grassland gaming board. Is always be a problem you will face in making a gaming terrain but this will not be a hindrance for you to experiment on what decision to undertake. Because you want to work on a small budget this is something you had get over.

Doing research on Yahoo or Google on how to create a modeling flock or by just simply asking a friend who knows how to create one. That can lower the $200 to a $10 or less. But be sure to watch and read on the instructions for they will cause you problems in the results of your modeling flock. You should admit that making your first modeling flock will not be that easy for it will not produce similar to the modeling flock that cost $200. You should not be afraid to try every thing every possible way to have your modeling flock be the flock you want.

Without further delay the content of this article is the detailed instruction on how to make a modeling flock.

Step 1 - Get Your Materials Ready

Here is what you’ll be needing:

-a container to mix it in (we use a gallon sized ice cream container)

-a cookie sheet to dry the modeling flock on (don’t use new ones, your mother / wife won’t be happy)

-a tube of green paint (in the picture it shows a tube of blue paint and a tube of yellow paint, but we found it easier to just get a tube of green paint)

-water

-a stirring stick

-sawdust (that’s right, modeling flock is just dyed sawdust!)

-a fine strainer

The tubes of paint that we use are 4 U.S. fl oz, or 118 mL. We buy them at the dollar store for $1.

You can get the sawdust from any lumber mill that near your place. They should be more than happy to hand over a garbage bag full free of charge. If not, then just find someone you know who is a carpenter.

Take note that the sawdust should have been made from sanding, not from cutting wood.

Step 2 - Dilute The Paint

First you will need to dilute the paint that you are going to use to dye the saw dust. The amount of paint that you water down will determine how much flock you will make.

You will discharge the entire 118 mL tube of green paint into the container and then fill the container 3cm (about 1 1/4 inches) full of water.

WARNING: If you water down the paint too much your flock will be brown.

This is the common mistake which will end up with ugly stuff and waste. Even though it started out a nice green it will end up an ugly brown, which was useful only to be used as dirt and not grass. But we are going to create a grassland so better careful.

Mix the water and paint with a stirring stick. You can use any typical stirring sticks that you get from the paint stores, but you can really use anything that you don’t care getting stained with green paint.

(Important Note: The colour of your flock will be slightly browner than the green paint that you mix, so choose a colour paint that is slightly brighter than your desired modeling flock colour.)

Step 3 - Add the Sawdust

The next procedure is to add the sawdust on the paint. First add a small amount just to turn the watered down paint mixture into a compact sludge. Then continue adding more and more sawdust until it is mixed in well with the paint.

The easiest way to tell when to stop adding sawdust is when you add a bit more and it is very hard to mix in (i.e. it is hard to get rid of the brown sawdust). This is the point where you should stop.

Warning: If you stop sooner your flock will not be fine enough.

However, don’t expect your flock to be as fine as the Games Workshop version at this point for they already perfected the mixing of the paint and the sawdust. That will come sooner or later.

Once you have finished mixing the flock you are ready to move to next step.

Step 4 - Spread Out Your Modeling Flock to Dry

You will now need to spread out the modeling flock to dry. You can use two cookie sheets to dry out the amount of flock made with your desired proportions.

In spreading out the damp modeling flock it should be evenly as possible, then put it in a cool dry place and not be hit by strong winds for 24-48 hours. Make sure it is completely dry before proceeding to the next step, or else you will not get the same quality results as what Games Workshop produces.

Step 5 - Screen the Modeling Flock To Make It Finer

A fine strainer with a small openings you will have in doing the last step and that is to screen the modeling flock through it. There may be bunches that are just too hard deal with. You should really work if this happen until you cannot screen a dust from it. This will not be garbage cause it can be use as a mossy rock on another models.

About Essential Fatty Acids and Fish Oil

By now, most of us have heard of essential fatty acids (EFAs) and their potential health benefits. They’re said to sustain cognitive function and memory, benefit the heart and immune system, aid in cell reproduction and repair, and even help balance hormones. Fish oil, duly noted by the medical community as having similar benefits, contains high levels of omega-3 essential fatty acids, thus establishing the link between a daily regimen of fish oil and good health. Fish oil is sold in the U.S. as a dietary supplement and comes in both liquid and capsule form.

What are essential fatty acids?

Essential fatty acids are unsaturated fats typically found in the oils of vegetables, certain nuts and seeds and some fish. They’re said to benefit health more than the saturated fats found in meat and dairy products and may even have a positive impact on cholesterol and triglyceride levels in the blood. Essential fatty acids are referred to as "essential" because they must be obtained through diet and are essential to the normal growth and function of muscles, nerves, cells and organs in humans. There are two families of essential fatty acids, omega-3 fatty acids and omega-6 fatty acids.

Omega-3 fatty acids – the fatty acids found in fish oil

Omega-3 fatty acids are a type of polyunsaturated fat present in many coldwater fish including trout, salmon, sardines, anchovies, herring, mackerel, tuna and cod. The two most potent forms of omega-3 fatty acids are eicosapentaenoic acid (EPA) and docosahexanoic acid (DHA), both known as "good fats" – unlike saturated fats, which when consumed in excess can lead to cardiovascular problems, neural and brain disorders.

EPA helps to produce the prostaglandins (hormone-like substances) which help control blood-clotting and arterial functions. EPAs may also help to lower serum triglyceride levels.

DHA is a major component of human brain and retinal tissue and aids the transmission of nerve impulses.

The term "omega-3 essential fatty acid" has become synonymous with "fish oil" in modern American marketing literature.

Sources of omega-3 essential fatty acids other than fish oil include, but are not limited to:

• Avocadoes (whole or oil)
• Brazil nuts
• Flaxseed
• Flaxseed oil
• Fortified milk products
• Hempseeds
• Hempseed oil
• Omega-3 eggs
• Pumpkin seeds
• Sesame seed
• Soybean oil
• Walnuts
• Wheat germ oil

Omega-6 fatty acids – not found in fish oil

Omega-6 EFAs are found in animal products such as dairy and meat and are common in cooking oils such as safflower, olive, sunflower, hemp, soybean, pumpkin, sesame, walnut and flaxseed oils. Too many omega-6 EFAs, say nutritionists, can throw off the balance of prostaglandins and lead to health problems. Experts recommend a ratio of three parts omega-3 essential fatty acids to every one part omega-6 fatty acid in the diet. Research indicates that Americans consume far more omega-6 fatty acids than omega-3 as a result of overindulging in fried foods, red meat and cheese.

Omega-6 fatty acids are dependent on interactions with omega-3 essential fatty acids in order to benefit good health, which is why a balance of the two is crucial in the diet. The American Heart Association cautions against a high dietary intake of omega-6 fatty acids as it can lead to the development of gallstones and promote tumors.

Prostaglandins

Prostaglandins encompass a number of hormone-like substances found in every cell in the body. They’re critical to the dilation and constriction of blood vessels, the contraction and relaxation of muscles, the regulation of blood pressure and the modulation of inflammation. Prostaglandins are needed for overall good health and maintenance and must be replenished constantly. It’s easy to understand why having a good balance of prostaglandins in the body is essential to well-being.

Where does fish oil come from?

Most fish oil is extracted from the fatty flesh of the fish, unless a product specifically states otherwise, as is the case with cod liver oil or shark liver oil – extracted from fish liver. Nutritious fish oil is usually derived from deep, coldwater fish and those swimming in the wild (wild fish eat other fish and marine animals and vegetation to survive, whereas farm-raised fish are typically fed some type of less nutritious, less expensive, commercial-grade pellet). Some experts say the best fish comes from the deep Atlantic of Norway and other Scandinavian countries: the deeper and colder the water, say experts, the less chance of toxins such as mercury, lead, dioxins, furans and PCBs occurring in the fish oil. Fish from eastern Pacific waters is known to contain elevated levels of mercury.

Fish oil supplements – good ones / bad ones

"Product disclosure" is the operable phrase when seeking out nutritious fish oil supplements. From what kind of fish is the oil extracted and from where is it extracted naturally through pressing or with a centrifuge; or are petrochemical solvents such as hexane used to extract the oil from the source? How is the fish oil refined? Is it molecularly distilled, which to date is the most reliable form of fish oil purification, or does the label read something like "extra-distilled" or "super-distilled?" Such terms have no bearing on quality or safety. Because the hundreds of thousands of fish oil supplements on the market remain unregulated by the FDA, the safety, consistency, efficacy and strength of these products varies immensely among brands.

When reading fish oil supplement labels:

• Make sure the type of fish from which the fish oil is extracted is listed.
• Look for terms "coldwater," "deep water" and "wild" as opposed to "farm-raised."
• In what ocean or hemisphere was the fish caught? North Atlantic, deep, coldwater is said to be the most nutritious.
• Make sure the fish oil is molecularly distilled, which better ensures the absence of PCBs, heavy metals and other contaminants.
• What parts of the fish were used? Fish oils extracted from fish liver may be higher in heavy metals and contaminants.
• What fish oil extraction method was used? Cold or modified expeller pressing means that the oil was produced without damaging temperatures or unnecessary pressure.

Marketing claims that have no defined meaning in relation to fish oil supplements, and which often mislead consumers, include:

• Ultra-pure
• Professional grade
• Pharmaceutical grade
• High-potency
• Super-distilled
• Natural
• Extra-distilled
• Best
• Finest
• Highest quality
• Pure
• Purest
• Purified

Essential fatty acid health benefits and risks

Few argue the benefits of fish oil and essential fatty acids in the diet. Clinical studies have demonstrated that the omega-3 fatty acids can benefit cardiovascular health and that "good unsaturated fats" derived from vegetables and fish are far more nutritious than "bad saturated fats" which come from red meat, animal products and dairy. The cardiovascular benefits to balancing omega-3 and omega-6 fatty acids in the diet include lowered serum cholesterol, decreased serum trigylcerides and reduced platelet aggregation. Although many fish oil supplement companies claim that fish oil supplementation may aid brain function and strengthen the immune system, a complete body of evidence has yet to be produced.

Along with the health benefits of fish oil come some risks, most associated with taking too high doses of fish oil or having dangerously high levels of omega-3 and omega-6 essential fatty acids in the blood. Some of these risks can include:

• Thinning of the blood and reduced ability of the blood to clot.
• Increased risk of bleeding.
• Too large doses can increase glucose levels in persons with already elevated blood sugar levels.
• In excess, fish oil may suppress the immune system.
• Increase the occurrence of nosebleeds and easy bruising.
• Upset stomach, nausea, diarrhea and belching.
• Poisoning from heavy metals, PCBs, dioxins and pesticides.

Experts and nutritionists are convinced that the health benefits of fish oil far outweigh the risks. However, many warn that fish oil shouldn’t be taken with blood-thinning medication such as warfarin or aspirin and shouldn’t be taken by anyone with bleeding disorders or uncontrolled hypertension. It is highly advisable to consult a physician before supplementing a diet with fish oil.

EPAs, DHAs, efficacy and the FDA

In September of 2004, the FDA announced they would allow a qualified health claim for reduced risk of coronary heart disease for conventional foods that contain EPA and DHA omega-3 fatty acids as outlined in FDA’s "Interim Procedures for Qualified Health Claims in the Labeling of Conventional Human Food and Human Dietary Supplements." Notwithstanding inconclusive research at the time of release, the FDA said it would exercise its enforcement discretion with respect to the following qualified health claim:

"Supportive but not conclusive research shows that consumption of EPA and DHA omega-3 fatty acids may reduce the risk of coronary heart disease. One serving of [name of food] provides [x] grams of EPA and DHA omega-3 fatty acids. [See nutrition information for total fat, saturated fat and cholesterol content.]"

In 2000, the FDA announced a similar qualified health claim for dietary supplements containing EPA and DHA omega-3 fatty acids and the reduced risk of coronary heart disease (CHD). The FDA recommends that consumers not exceed more than a total of three grams per day of EPA and DHA omega-3 fatty acids, with no more than two grams per day from a dietary supplement.

Be sure to shop at www.vitacost.com for all your essential fatty acid and fish oil needs!

References

1. Supplement from the sea: the fat from fish oil can benefit your heart, eyes, joints, and brain. Tom Weede. Natural Health. Oct 2007 v37 i9 p105 (2).

2. Omega medicine. Is fish oil good for what ails you? Bonnie Liebman. Nutrition Action Healthletter. Oct 2007 v34 i8 p1 (5).

3. The government’s big fish story: Pick the perfect fish oil supplement. Men's Health. July-August 2007 v22 i6 p158.

4. Fish oil and brain development. Alan R. Gaby. Townsend Letter: The Examiner of Alternative Medicine. Oct 2007 i291 p49 (2).

5. Effects of fish oil supplementation on myocardial fatty acids in humans. R.G. Metcalf, M.J. James, R.A. Gibson. Alternative Medicine Review. Sept 2007 v12 i3 p307 (1).

6. Essential fatty acids. Douglas Dupler and Teresa G. Odle. The Gale Encyclopedia of Alternative Medicine. Ed. Jacqueline L. Longe. 2nd ed. Detroit: Gale, 2005. 4 vols. Updated July 1, 2006.

7. Mighty omegas (ways to score more essential fats). Nancy Duncan. Women's Health. Dec 2006 v3 i10 p47.

8. Essential fatty acids and eicosanoids: their role in preventing inflammation, cardiovascular disease and cancer. James Meschino. Dynamic Chiropractic. Dec 3, 2007 v25 i25 p28(3).

9. Fish oil. Mai Tran and Teresa Odle. The Gale Encyclopedia of Alternative Medicine. Ed. Jacqueline L. Longe. 2nd ed. Detroit: Gale, 2005. 4 vols. Updated July 1, 2006.

10. On call: Fish oil revisited. Staying Healthy from the Faculty of Harvard Medical School. August 21, 2006 pNA.

11. By the way, doctor: How much fish oil should I be taking? Staying Healthy from the Faculty of Harvard Medical School. August 21, 2006 pNA.

Viva La Vegan - Why it's not hard to be a vegan

People are generally pretty shocked that I choose not to eat animal products of any kind. “Don’t you feel like you’re missing out?” they ask wide-eyed with their eyebrow raised. The answer is no. The only thing I feel I’m missing out on is contributing to the mass slaughter of farmed animals. Eating meat; fish and dairy causes environmental destruction, damages human health, contributes to global hunger and inflicts immense suffering on billions of animals across the world.

Sometimes they get the vegetarian thing. Most people have seen images of factory farming, which are pretty shocking. They push it to the back of their minds, but kind of understand vegetarians. Vegans on the other hand seem like freaks, after all what’s wrong with taking the cows excess milk right? Well the cow wouldn’t have had milk without a calf and what happens to the calf? They get ripped away from their mother within the first days, the males often going to veal crates, or being killed on the spot and the females enduring the same fate as their mother; Excessive milking, mastitis and slaughter when she gets worn out due to overwork.

Chickens bred for laying eggs are only useful if they are female. Thousands of male chicks (yes the cute yellow fluffy ones) are crushed alive or left to die in rubbish bags, suffocating and squashed by the other chicks. Therefore even free-range eggs raise ethical questions and as for battery cages, they are outdated and extremely cruel.

The hardest thing about being a vegan, isn’t resisting temptation to eat meat, but trying to avoid hidden animal products in everything from sweets and beer to bread and even soy products. The best thing to do is to get used to reading ingredients. If a product that you like contains an animal product that could be easily replaced, write the company a letter and explain why you won’t be using their product anymore and suggest a simple change they could make.

Playing Cornhole At A Tailgate Party

Cornhole is a very popular game in some areas of the country, and not so popular in others. For the areas of the country where the game has a following, however, it is often played at tailgate parties and other gatherings. One of the reasons that cornhole does so well at a tailgate party is because it is so easy to transport. The board that is traditionally used in the cornhole game is four feet by two feet, which fits in the bed of a truck, and it will also go in the trunk of a larger car. In addition, there are some smaller versions of the board made. These are three feet by two feet, and they are often called by the name of beanbag toss, instead of cornhole.

Because of this, the cornhole game is popular at many different gatherings, and the game is very often played at tailgating parties in the Northern part of the country. While the game does not seem to be as popular in the South, there are pockets of interest in it. In these areas, the individuals who like to play the cornhole game will bring their cornhole game boards and the bags to tailgate parties and other gatherings so that everyone has a chance to play. They organize tournaments, play the game at backyard barbecues, and predict that the game will one day be big enough to be televised like bowling and other activities that some people believe is a sport and others do not.

One of the best things about the cornhole game, however, is the ease with which it can be played. This is a great thing for any kind of party, because virtually anyone can play it without worrying about how to understand the rules. The game is not difficult, and the rules are not complex, making the game something that can be enjoyed by anyone, young or old, at any skill level. People can also make their own cornhole boards and cornhole sets. There are plans available on the Internet for almost everyone to use. The cornhole board can be made quite easily with a few simple tools by someone with only a moderate level of skill.

Even a beginner can make a cornhole board by following the instructions carefully. Most cornhole boards � either homemade or factory made � are made of wood. Some of them, however, are made of plastic, but they are often not as popular. For those who make their own boards for tailgate parties, however, there are also cornhole bags that need to be made. The older ones were made of a heavy cloth such as denim or burlap and stuffed with corn. Today�s cornhole bags are usually made of a somewhat softer cloth, and they are either stuffed with beans or with plastic pellets. Either way, however, they are easy to make and can last a long time when made correctly. They need to be sewn very tightly and they have to be the correct size and weight. By either buying or building a cornhole board the next tailgate party can be a huge success.

Common Mistakes In Business Plans

Your business plan is typically the first impression potential lenders of investors get about your business idea. Even with a great product, team, and customers, and you are unable to convey to properly convey your image, it could be the last impression if your plan has some of the following, common mistakes.

Lenders and investors review hundreds of business plan every year and with every plan, lenders and investors become more cynical because the same mistakes pop up with regular frequency. With so much competition for a limited amount of capital, it is imperative to not make these mistakes.

1. Financials

Unrealistic Financial Projections - Simply saying that you are going to do $100,000 in sales is not enough nor can you simply say there is no way of knowing. Everyone knows there is no way to accurately come up with financial projections over the next three years, especially in a start-up. But, what is required in your plan is that reasonable assumptions are made and supported with research. By incorporating a detailed list of assumptions and how you arrived at your numbers, the lender/investor can judge your analysis and decision making process. If you are projecting to generate high sales outside of industry norms, explaining how you arrived at this conclusion is a must. Lenders and investors have seen many, many plans that claim sales are going through the roof once funded and as a result are very jaded at statements like this. Financial data that is inconsistent with industry averages and overly aggressive sales figures will raise flags. Explain every number.

Confusing Cash with Profits - Revenues do not always equal cash. For example, suppose you make a sale this month for $100 that cost $50 to produce. Assuming your buyer doesn’t pay for 30-60 and even 90 days if dealing with state or federal sources (and assuming they all pay), the effect on your cash flow is significant. Suppliers and employees still have to be paid for their work while you are waiting on payment from the buyer.

While you may not have a significant portion of sales coming from receivables, the timing of cash flows is critical for developing a financial strategy as cash flow is much more important than profits. Profits are an accounting concept while cash is money in the bank. If you don’t believe me try paying your bills with profits.

No Adjustment for Seasonality - All businesses are seasonal to some extent, some more significant than others. Seasonality refers to the percentage of sales that are made in a month. For example, most retailers have huge November and December sales and lousy January and February sales. Did you make enough cash during the good months to cover the slow months to cover salaries, rents and lights?

If You Build It They Will Come - Be careful in assuming once your doors open people will be streaming in to buy. You have a new, relatively unheard of business. This is a time when your business is particularly vulnerable as most of new owner’s cash reserves have typically been used to open the store. If sales projections are off during the first couple of months and you don’t have enough working capital to keep the lights on, you may be quickly going out of business.

Insufficient financial projections - Basic financial projections consist of four elements: Income Statements, Profit & Loss, Balance Sheets, and Cash Flow Statements.

For most businesses a three-year projection is sufficient, but if yours is a capital intensive one and will take longer to show profitability then use five. Actual figures are a must if you can get them and any number in the projections needs to be in the business plan narrative. If you are purchasing an existing business use the historical financials to show support for your sales figures.

No Quotes - Any significant expenses should have a quote accompanied in the appendix, especially for construction or remodeling as this is an area where most entrepreneurs slip as they do it themselves and greatly underestimate the costs.

2. Marketing

Failing to relieve the customer’s pain - Businesses are rewarded to make consumer’s pain go away. Pain can include; my car stopped working, my doggie is sick or my tax returns are too hard to prepare.

If your business plan can’t show how you are relieving the customer’s pain, then the chances for success in the marketplace is extremely limited.

Remember pain equals market opportunity. The greater the pain, the greater number of customer’s with this pain and the better you can relieve the pain equals greater market potential.

One Billion Customers Served - Claiming everyone needs your product/service will send a strong message to the reviewer that you don’t know your market and remove any credibility to your plan. In the good old days the shotgun approach to marketing could work as there were limited channels for advertisement. Today with unlimited outlets and more narrowly defined markets, this approach does not fly.

While it’s true everyone eats, not everyone will eat at your restaurant, nor could you effectively advertise to everyone. By researching the segments that are most likely to use your product/service and showing how your message will get to them will ultimately make your endeavor more successful. Having clearly defined target markets will show you have done your homework and be the cornerstone of a marketing strategy that can succeed.

We have no competition - Use this statement if your want your plan rejected. Every business has competition. While there may not be a direct competitor, meaning one that offers the same or similar product, there is always an indirect competitor.

Saying there is no competition tells the reviewer that you have either not done any market research or there is not a market for your product.

3. Organization

Writing For The Wrong Audience - A plan for a lender should be written differently than one for an investor. Banks are interested in seeing the likelihood that debts be repaid and investors are interested in the upside profit potential. Be sure to write your plan to your audience. For both, keep to the facts, keep it clear and keep it simple. If you don’t feel you have the writing abilities to make your plan shine, then get help.

Poor spelling and grammar - Leaving spelling and grammatical errors in your plan only tells the reviewer that you are not paying attention to details and may not pay enough attention to the business. Use spelling and grammar checkers and let others review your plan to make sure there are no errors.

Too repetitive - Many times, plans will cover the same points over and over. A well-written plan should cover key points only twice: once in the executive summary then again in greater detail in the narrative of the plan.

Remove the Jargon - Using simple language is imperative to getting a technical business funded. Don’t think that by using complex terms that lenders/investors will be so impressed with your knowledge that they will whip open the checkbook. Businesses that can’t be understood don’t get funded. If you can’t explain your business to a sixth grader your chances of funding are in jeopardy.

Investors are really only interested in your technology if it solves a problem that people will pay for, is better than the competition, can be protected through patents and can reasonably go to market without spending a lot of money.

Keep the technical details out of the business plan and in the white papers.

Appearance matters - Make sure your plan looks professional. Use professional printing, binding, keeping fonts consistent and easy to read. The more money being requested means investing more time in making sure your plan will stand out from the crowd. Be careful that you don’t go overboard and give the impression that the plan is all style and no substance.

Length - A long business plan does not make a better business plan. All of the industry and marketing research won’t save a flawed plan. Too many plans have been immediately rejected because they are too long. Lenders and investors favor entrepreneurs who can efficiently demonstrate the ability to efficiently get to the point.

An executive summary should be no more than 1-3 pages. Ideally it should only be one page but some complex plans require more. An ideal business plan is 20-30 pages, including financials. Remember less is more!

Use operating plans, white papers and marketing plans for the in-depth details.

Fluffing - Using phrases like "unmatched in the industry;" "narrow window of opportunity;" or "ground floor" are empty phrases filled with hype. If anything, the cynical reviewer will be turned off by the hype and trash your plan. Stick with laying out the facts – what is the problem, how will you solve the problem, how big is the market, how will consumers buy it and what is your competitive advantage. If the opportunity is there the lender/investor will be able to make the decision for themselves.

Overvaluing the business idea - What gives a business value is not the idea but the execution of the idea. A great idea is a start, but almost everyone has had a great idea at some point in their lives. How you will execute this idea is what sets apart a real business from the dreamers.

4. Execution Mistakes

Waiting too long - Funding a business takes a long time. Expect three months at a minimum after finishing your business plan to get funding. Unless you have sufficient capital, other sources of income and can be funded in-house at a bank, this number may be reduced. Bank financing for business with less than two years of operating history are typically funded through an SBA guarantee, which requires additional time, patience and paperwork. Financing through investors is usually an even longer process as they have a lot of people competing for their money and they tend to do significant due diligence to secure their investment. Waiting until you need the money is a sure way to keep your business from launching.

Unreasonable time lines - Many business owners underestimate the timelines for completing milestones. Its human nature to think we can do things faster than is possible. When getting a business started there will be several tasks you could not have anticipated and the some tasks you think will be easy which will end up taking much longer. It is best to overestimate and finish early, rather than scramble and execute your opening poorly.

Failing to seek outside review - When preparing your plan, be sure that you have at least a few people review it before sending it out. Preferably look for people in your industry or who have a specialization in sales, distribution, etc that could lend a fresh set of eyes and find any flaws in the plan. Being so close to the action can keep you from being objective and this additional scrutiny may save you countless headaches and money down the road.

Perfecting - It can be easy to spend countless hours perfecting your plan and ultimately never launching. Remember, your plan will never be perfect and in practice should be continually updated as you learn more about the business, market and customers. Don’t make your plan an academic practice, finish it and get in front of investors and lenders. Use this feedback to see if your plan really needs the additional perfection.