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Your child will soon grow up to really appreciate their surroundings. They will soon be at the stage where they will understand the necessities of what a bedroom should be like. Then comes the inevitable: they’ll choose the furniture for their selves. Of course, there’s nothing wrong with that because they are in charge of their own room.

The bed is not the only thing that your child will change. They’ll change the complete makeup of the room from the headboards to the bookshelves. Fortunately you can find complete childrens furniture in online stores and look at them with your child. You won’t be disappointed in the selection of furniture that’s available.

A child’s bedroom should reflect more than just the bed; it should reflect their imaginations. If they are adventurous and action-oriented, then buy furniture that’s geared toward that. Fantasy-filled? There’s furniture for that, too. There is nothing that can’t be done in this regard. Your child will have much furniture from which to choose and you’ll be able to go with them.

Your child’s bedroom is going to more than just a bedroom, too. It’s going to be a central area where games are played and friends are going to spend the night. As such, you should buy childrens furniture that best reflects the child’s needs in regards to space and imagination.

The best option is to buy them online because many stores have limited time from which to shop. At least online, you can shop to your heart’s content.

To learn more about childrens furniture you can research more through some trusted website or learn more through children bedroom furniture.

Many people start to look into why their lawnmower, snow blower, or chainsaw doesn’t start or run properly only to fail and curse in frustration. There is a reason for this that anyone can overcome just by avoiding these 5 common errors.

1. They have no plan of attack. If you were to decide to put a garden in your backyard or to build a garage to work out of you wouldn’t just start cutting wood and nailing it together. You would in fact purchase a design or create one yourself. If you are going to resolve the issues with your small engine equipment, you must have a plan of attack to avoid repetition and to ensure you cover all the bases.

2. They never check the basics. There are a few simple things that every internal combustion engine must have to operate properly whether it’s on your boat, car, lawnmower, or trimmer. These are: Compression, Spark, and a Proper Fuel/Air Mixture. You cannot attempt to resolve your small engine problems without knowing if these things exist at acceptable levels in your unit.

3. They don’t check things properly. The biggest thing I see on the internet in forums and blogs about small engines is that they claim to have spark coming to their sparkplug but the engine won’t fire and fuel pours out the exhaust or the plug is wet. Spark performs differently under compression then it does without it. You cannot accurately test for spark by resting your sparkplug against the engine and cranking it over. If your ignition module or sparkplug are weak and not providing sufficient output (about 12KV or more) you may in fact see spark when tested without compression but as soon as you try to run the unit the spark disappears.

4. They never move ahead to the next possible issue. Someone once told me that the definition of insanity is doing the same thing over and over again expecting a different result. If you have no spark, for example, cleaning your sparkplug and retesting and retesting isn’t going to get you spark. You need to know how the ignition system on your engine works and properly fault find the issue at hand moving ahead and systematically removing what could be causing the issue.

5. They don’t seek professional assistance. Sometimes a problem is bigger than you can handle, or maybe you need to learn some things to resolve a specific small engine problem. Going to your neighbour who tuned up his lawnmower at the start of the year, or your local automotive repairman won’t get you what you need. Automotive isn’t what it used to be and unless your mechanic was wrenching in the 1970s then he probably doesn’t really understand your small engine. This is because they are designed and operate differently. Cars and trucks have computers and modules that are tested using a code reader whereas your snow blower does not. If you don’t know how a small engine operates exactly, then you probably will never solve your problem. I don’t ask my dentist why my back hurts and I doubt you do either.

So if you’re trying to resolve an issue with your lawnmower, snow blower, or riding mower, remember these simple mistakes and avoid them. Seek out a reliably trained and experienced Small Engine Technician and ask his advice. Learn to do simple trouble shooting and fault finding techniques that are proven and work every time because they follow the basic principle of how small engines work.

Best regards,

Al

P.S. You can download a free checklist that will work with any small engine running problem here.

Al Smith

[http://www.theglobalsmallenginecommunity.com/]

Stihl Master Service Technician, Husqvarna University qualified, Kohler & Briggs certifed, Toro, Lawnboy, MTD and many other qualifications and experience.

I used to be the service manager for a large local small engine shop and now am exploring online options for business as well as servicing select customers equipment to maintain and repair them. They include all kinds of small engine powered units from trimmers and chainsaws to riding mowers and zero-turn units. I have been a mechanic both as a hobbyist and as a professional since 1987, served 20 years in the Canadian Air force, and have rebuilt Motorcycles, Trucks, Snowmobiles, and anything else I could get my hands on.

I am highly respected in my local community and believe that anyone can do anything provided they have the desire to learn and the resources available to them. My online goal is to provide quality information at reasonable costs (free if possible) on small engine maintenance and repair to assist the person with the desire.

You can see me on different posts as TheAlSmith and providing answers as an expert at AnswerGem in their small engine forum.

Fast car on open roads. It is a perfect picture for any car enthusiast. But you have to go to your work and also drop your kids to school. This is the real picture for most of us. We need to save time when we don’t have any. A typical individual has so many odd jobs to complete that a car can, without doubt, facilitate their accomplishment. Financing your car doesn’t fit your idea of the way of buying your car; then probably you are still stuck with traditional car buying methods. Shed your inhibitions with regard for car financing because it undoubtedly keeps in mind your financial caliber before furnishing you with a car finance loan.

Car financing has taken a new spin with regard to providing investment for buying a car. So, how do you finance a car? If this question leaves you baffled, then you have to go a long way in the process of buying a car. The term ‘financing’ in relation to buying a car connotes either rendering loan to buy the car or lease the car to you. You are probably concentrating on the former meaning. Many people are in favour of talking car finance from dealership for it seems like a convenient option. It seems easy; you select a car, fill out a credit application, and drive away with your car – all in a day’s work. Car finance through dealership will give you car finance on weekends and even at nights when other banks and credit unions are closed.

Seems convenient, isn’t it? But there is a catch. The dealer will be certainly charging you more for your car finance. Usually car buyers are overcharged by 3% on their car finance. A great number of complaints about car financing are related to dealers. 0% APR is not only attractive but lures the buyers to acquire up car finance not meditating if it is feasible for them. There are very few people who can actually get a 0% APR. Thus car finance deals usually fall midway thereby making car finance experience an extremely distressing one. You are buying a new car and probably for the first time, you certainly want it to compliment your enthusiasm. There are few elementary things that need to be kept in mind before taking that crucial primeval step in car buying.

First and foremost in car buying and financing is checking your credit score before you apply for a car loan. Many people are unaware of the fact that they even have a credit score. You can expediently check your credit score online. So, if you have bad credit history then probably you will be paying more interest rate for your car finance. If your credit score drops below 550, then probably apply for new car finance is not such a good idea. First repair you credit score. Repairing credit score requires little effort, helps you repay your debt and retain your credit report. Online car finance companies can get you car finance loan even if your credit score is lower than required. Your car finance loan can get approved in minutes. Online car finance companies have revolutionized car finance procedure. With lowest online car finance rates, no application fees, or down payments car finance companies provide a formidable competition to car dealers. Car finance companies have set a standard for providing car finance that is worth opting for.

70% of cars are obtained by some kind of financing. You can even finance a used car. The process is as effortless and undemanding as financing a new car. The essence to finding the right car finance is doing to research about your kind of car. Knowledge is power; you must be awake to this age old logic. When so much information frequently exists, then why not make use of it. Find out how much your car costs by comparing rates with local dealers. Very decisive, is cognizing how much, you can afford. Calculate, you monthly income and deduct your usual monthly expenditure to find out how much you can afford on a monthly basis. Compute carefully, otherwise you will find difficulty in repaying your car finance loan. And you definitely don’t want to fool around with your repayment plan because a lot is at stake. You can seek free advice for your own car finance online through credit unions and loan institutions.

You are a car enthusiast, a car consumer, a just a person who needs a car you ought to drive the best car. And why not drive the best car, when you have access to the best car finance plans. Car financing is a transparent route that leads you to become a car owner. Car finance loans are usually short term loans ranging from 36 to 72 months. Shorter loan term imply, lower interest rates and will prove to be cheaper. You have been working hard to select the car you want; there is a fairly good chance that you would not have to work so hard for car finance. So, sit back relax and enjoy the ride.

After having herself gone through the ordeal of loan borrowing, Natasha Anderson understands the need for good quality loan advice. Her articles endeavor to provide you the wise counsel in the most elementary way for the benefit of the readers. She hopes that this will help them to locate the loan that beseems their expectations. She works for the UK secured loan web site [http://www.ukfinanceworld.co.uk.To] find a Secured or unsecured loan that best suits your needs visit http://www.ukfinanceworld.co.uk

Increase your profit potential by identifying – and avoiding – these 11 marketing mistakes.

MONSTROUS Marketing Mistake Number 1: Sinking a Fortune Into an Unproven Product

Is your business idea built on market research or a hunch?

Entrepreneurs often fall in love with their products or services before they determine if there’s a real market, and they throw fistfuls of money into the venture. If you, your spouse, your uncle, and your neighbor think you’ve got a winning idea, that’s simply not enough qualified input to run to the bank and drain your savings account!

Avoid this mistake by:

• Conducting your detective work (research).
• Testing your business idea with the real marketplace.

MONSTROUS Marketing Mistake Number 2: Believing That “If You Build It, They Will Come”

Do you think you have a product or service that will practically sell itself?

Trust me – you don’t.

There is a misconception among small business owners that, with the right product or service, your customers will simply “find” you when you open your doors for business. Whether you have a physical storefront on a corner lot in the busiest part of downtown, or a graphically pleasing online storefront offering easy access to your hot products and services, your customers will not find you if you do not market to them.

The day you open for business is the day you put on your “marketer’s hat” and never take it off. You must consistently move product, or schedule service time.

To stay in business you must profit.

To profit you must sell.

To sell you must market.

The good news is that, with a marketing strategy, you take the control out of your potential customers’ hands and put it into your own. If you have a product that will “practically sell itself,” then your marketing job will be easy. Just remember that the job must still be done.

Avoid this mistake by:

• Defining your niche market and USP (Unique Selling Proposition) that differentiates you from your competition.
• Developing a marketing action plan and strategy to reach your niche market with your USP message.

MONSTROUS Marketing Mistake Number 3: Trying to Reinvent the Wheel

Marketing is an age-old practice with some very basic principles. Yet, I’m sure you’ve read many marketing information products that stress the importance of being innovative and creative with your marketing efforts. It’s easy to get caught up in the innovation process and forget that the REAL focus should be on results.

Avoid this mistake by:

• Emulating success instead of trying to create something completely new. Please note that I am not saying, “copy” what others are doing. Look at the basic structure of a tactic, campaign, advertisement, or event and use the same formula as a basis for developing your own tactics.
• Realizing great marketing ideas are used over and over again with just the right twist to make them fit a specific business. Focus on results, and choose imitation over innovation to create your own twist on a proven, winning technique.

MONSTROUS Marketing Mistake Number 4: Over-Preparing and Doing Nothing

The fear of failure can be powerful. So powerful that we do everything we can think of to prevent it. Yet, there is a point at which we are so busy preparing, organizing, and researching to prevent failure that we never get around to the actual marketing of the business. Here are two things to remember:

1. Activity is not productivity.
2. In order to sell a million of something, you have to sell the first ONE.

Avoid this mistake by:

• Doing something! If you believe in your business and have done your detective work, it’s time to dive into the marketing pool. Start small, track results and build from there.
• Not being afraid to make a mistake. Mistakes are the entry to success. At the very least, a failed promotion means you have SUCCESSFULLY determined what promotion does not work. And, to learn what does NOT work is a valuable tool in getting you closer to discovering what WILL work.

So, go ahead. Fail a little. It will make your eventual successes even sweeter.

MONSTROUS Marketing Mistake Number 5: Boredom

When I was working for an ad agency many years ago, I had one client that was running an extremely successful ad campaign. After about six months, I received a phone call from the client. He wanted to develop an entirely new campaign. When I asked, “why?” he simply said, “I’m bored with the one we have.”

What?

That client may have had the money to spend on a new campaign due to “boredom” but you and I usually don’t. Yet, I’ve often seen my small business clients switch promotions for the same reason. This is detrimental to your business!

“Losing money” is a reason.

“Boredom” is not.

Avoid this mistake by:

• Remembering that, what is old to you, is new to an untapped target market. If you have a promotion that is consistently getting you results, stick with it until results show you its time for change.
• Testing new promotions without abandoning the current one. Then track results. Never swap a current promotion with a new one that hasn’t been tested.

MONSTROUS Marketing Mistake Number 6: Relying on Networking to Generate Sales Leads

Joining the Chamber of Commerce and schmoozing at association meetings can put you in contact with vendors and possible joint venture partners, and will be invaluable exposure for you as a community supporter – but it will rarely generate substantial sales leads.

Everyone else who attends these “meet and greet” assemblies is there to do the same thing you are. You may be able to make some valuable contacts for future ventures and promotions, but one-on-one networking is time-consuming and results are unpredictable.

Avoid this mistake by:

• Treating networking opportunities the same as any other marketing tactic. Track results by determining your costs and measuring your payback.

MONSTROUS Marketing Mistake Number 7: Doing What Your Competitors Do

It’s important to be aware of what your competitors are offering, but do not let it dictate the strategy you use for your own business.

If your competitor wants to be the low price leader, let him. Don’t try to become the “lower price” leader. Chances are this will lead you to financial problems because it will thrust you into an ugly price war.

If your competitor wants to tout low prices, then you focus on value. Bargain hunters don’t necessarily want the lowest price. They want the best VALUE. Make what you have to offer something of value.

Avoid this mistake by:

• Finding an unmet need or want of your target market, and fill it to differentiate your products and services from your competitors.
• Giving customers a reason to choose you over your competitors. Define your USP, and identify your niche market.

MONSTROUS Marketing Mistake Number 8: Not Targeting a Specific Market

If you believe your market is “everybody,” you will struggle to attract people who will buy from you. The value of target (niche) marketing is one of the toughest sells I make to my clients. They understand the logic of it, but the “fear of losing a potential customer” gets the best of them.

Avoid this mistake by:

• Viewing the practice of niche marketing as inclusive, not exclusive.

Think of your business as part of a person’s support group. It’s logical to say, “Everybody needs a support group so my business should attract everyone.” But, will it? People – your customers – want to go to a support business that understands their specific concerns, needs, and wants. Make sure you ARE that business by targeting a niche market.

MONSTROUS Marketing Mistake Number 9: Targeting a Market You Can’t Reach or One That Can’t Afford You

Targeting a niche market is the smartest way to market. Yet, targeting a market that is too specific will limit your ability to succeed long term. For example, a market that might be too specific would be: female pilots under the age of 35 who fly ONLY New York to London flights. That’s a pretty narrow market to sustain your business in the long term unless you can capture the ENTIRE market with a product or service that has a high profit point and customers need to use or replace it often.

In that same vein, a market that is begging for the service or product you have but cannot afford it will also be a business impossible to sustain. Never compete for someone’s rent money. Your target market must have the means to buy your products and services.

Avoid this mistake by:

• Creating your customer profile to identify characteristics of your potential buyers,
• Identifying a niche market,
• Examining the long term potential for new and repeat sales.

MONSTROUS Marketing Mistake Number 10: Focusing On Acquiring New Customers Instead of Promoting to Current or Previous Customers

When you first start a business you have little choice but to focus on gaining new customers. The cost of finding those new customers can be expensive, which is one reason it is so important to really target a specific niche. However, once you’ve made just one sale, you’re ready to start looking at other marketing options.

Wouldn’t you like to:

… slash your marketing costs by half or more?

… reach proven buyers for your service or products?

That little goldmine of proven buyers available to you “on the cheap” is already yours in the form of current and previous customers.

Any respected marketing guru, past or present, online or offline, will tell you that the biggest asset your company has is your customer base.

Avoid this mistake by:

• Realizing that, when a sale is finalized, it is the beginning of your relationship with that customer, not the end.
• Offering additional products or services to current customers. If you don’t have your own to offer them, then develop a referral, joint venture or product bundling program so you can reap profits from your already-interested (and buying) customers.

MONSTROUS Marketing Mistake Number 11: Not Systematically Following Up on Leads

The least expensive part of business is making the sale. The most expensive is generating leads – finding the people who are interested in what you have.

Once you find people who express an interest in what you have to offer – whether they buy from you or not – you MUST develop a follow up system that will keep marketing to those interested prospects. A person who has expressed interest in your products and services is far more likely to eventually buy from you than someone who did not respond at all!

Avoid this mistake by:

• Curbing the tendency to become obsessed with generating more leads until you have exhausted the ones you already have.
• Developing an easy, systematic follow up for leads, designed to convert a “maybe” into a “yes.”

About The Author

Susan Carter helps business owners “do more with less” to operate and market their small and growing businesses. She is the author of How To Make Your Business Run Without You, and SPLASH Marketing for Overworked Small Business Owners. Carter offers FREE book chapters, and distributes free business-building advice in her twice-monthly ezine, SuccessExpress Press, available at http://www.successideas.com susancarter@successideas.com

Automotive repair training is one of the most practical courses you could ever take. Like good teachers, doctors and chefs, anywhere in the world you are, there will always be a need of people who good at repairing cars.

One of the most frustrating (and sometimes frightening ) thing for drivers is the times when their vehicles breakdown in busy traffic or on lonely country roads. And what is worse, is hiring auto mechanics who are no good and hence are unable to solve the problems.

It is no surprise that some so called auto technicians or auto mechanics have no previous training. They have learned how to “fix cars” by watching their dads work on their cars.

Whilst experience is a great teacher, it does help a mechanic to become more skillful if he had automotive repair training. Such training lays out the theory and practical aspects of repairing an engine.

One must remember that the car engines of today are a lot more complex that 20 years ago. There are sophisticated computer systems, braking systems and suspensions. An auto mechanic needs to keep abreast with rapidly changing auto technologies.

Automotive repair training gives aspiring mechanics up to date knowledge of the modern day engine and how to solve the problems such engines experience. This training can be done entirely via correspondence. The course materials are delivered right to the door of the student.

What is more, getting this training via correspondence is a time saver – it allows the student the opportunity to study in his spare time whilst getting vital on the job experience.

If a career in car engine repair intrigues you, seek quality online schools that offer car repair training online or via correspondence. Look for schools that have been around for a while and have a proven track record.

Next, find out which online school offers the top rated automotive repair training. Visit: http://www.DistanceLearningDegrees.org

You’ve probably read the previous piece on North Indian breads. This article focuses on North Indian cooking, which includes cooking style, spices used, terminology and some common foods.

North Indian cooking is nearly always quite spicy and uses a large number of spices in any given dish. The terms used for various dishes are normally descriptive of the food itself like Jeera Aloo for instance, which literally translates to ‘Cumin seed Potatoes’. Like most cultures there are also some misleading names like ‘Butter Chicken’, which is actually marinated chicken cooked in a tandoor and served in smooth, tomato gravy and doesn’t contain any butter. There are also terms which aren’t related to the food in question, like Pulao, which is rice cooked with spices and vegetables. The term sabzi (sub-zee) is used quite liberally when describing nearly any dry, vegetable preparation. The same applies to the term dal, which is used for most types of lentils. The term tari (tuh-ree) denotes gravy and is suffixed to the name of a dish when it has gravy.

In these days of fusion food, it is difficult to pin down a set of spices that a given region can claim. However, traditionally, north Indian cooking uses the following spices and herbs:

• Cumin seed (Jeera)
• Ajowan or (Ajwain)
• Red Chili Powder I – Flavor over color (Lal Mirch)
• Red Chili Powder II – Color over flavor (Degi Mirch or Kashmiri Mirch)
• Turmeric Powder (Haldi)
• Dried Mango Powder (Aamchur)
• Coriander Seeds (Sabat Dhania)
• Coriander Powder (Dhania)
• Fresh Coriander Leaves (Hara Dhania)
• Green Cardamom (Choti Elaichi)
• Black Cardamom (Badi Elaichi)
• Cinnamon (Dalchini)
• Garam Masala – A set mixture of spices – roasted cumin, cinnamon, cloves, caraway seeds, nutmeg (and/or mace) and green cardamom seed or black cardamom pods. The composition of Garam Masala changes from region to region.
• Dried Fenugreek Leaves (Kasuri Methi)
• Black Mustard Seeds (Rai)

This list is by no means complete – there are many more spices used in every day North Indian cooking – the purpose of this article however is to provide a feel for North Indian cooking.

Different spices are used in different situations, in different ways. The flavor and characteristics of spices change if you’re dry roasting them, frying them, adding them before simmering to cook or after cooking.

Our first foray into traditional North Indian cooking could start with a simple vegetable preparation, which we could either call Aloo ki Sabzi (‘Vegetable Preparation of Potatoes’) or Jeera Aloo (Cumin seed Flavored Potatoes).

Cumin Seed Potatoes / Jeera Aloo

Ingredients

- 3 Large Baking Potatoes

-One onion, chopped fine

-1 tsp Cumin seed

-1 tsp Turmeric Powder

-1 tsp Chili Powder

-1 tsp Coriander Powder

-1 tsp Dried Mango Powder

-Salt to taste

-Chopped fresh coriander for garnishing

-Oil for frying

Method

First peel your potatoes, dice and then boil in lightly salted water. Then drain and let cool. Heat oil in your pan and add the cumin seed. After 2 – 3 seconds of crackling, add the onions and fry, stirring lightly for about a minute on low heat. Now add all the spices, except the dried mango powder and mix well. Throw in the potatoes, which should be nice and firm now and toss well, so the onion-spice mixture coats the potatoes all over. Simmer for about 5 – 7 minutes. Finally, add the dried mango powder and toss the potatoes on high heat, till there’s a thick, spicy sludge adhering to the potatoes. Garnish with the fresh, chopped coriander prior to serving.

These can be served with Rotis, filled in toasted sandwiches or just eaten as is for a snack.

As you can see, this everyday dish uses 5 different spices and one herb. There are some traditional dishes that use up to 30 different spices! These are now (in most part) a thing of the past and cooked only on very special occasions.

As an example, let’s say we’d like to try our hand at cooking a simple north Indian dish without a recipe, simply going by the style. Obviously we’ll need some north Indian spices, the most common of which are Jeera (cumin seed), Haldi (turmeric powder), Namak (salt) and Mirch (chili powder). The first step, in nearly every dish is to fry onions as it is a staple in north Indian cooking. When pink/transparent, we add some spices and fry some more. This gives us a thick sauce to which we can add a little water if we wish. This sauce will coat the vegetables or meat we’ll add later. Here’s a simple example.

Onion and Tomato Sabzi / Pyaaz Tamatar ki Sabzi

Ingredients

-3 Large tomatoes, chopped roughly

-Two Onions, chopped roughly

-2 large cloves of garlic, finely sliced

-1 tsp Cumin seed

-1 tsp Turmeric Powder

-1 tsp Dried Mango Powder

-1 tsp Chili Powder

-Salt to taste

-Oil for frying

Method

The process is really quite simple – we heat a little oil, add the onions, fry a little, add the garlic and continue frying till the onions are pink or translucent. Then we add the rest of the spices except the dried mango powder, mix well and finally toss in the tomatoes. The dried mango powder goes in at the end.

One major feature of Indian cooking is that vegetables are rarely left crisp or crunchy. They’re nearly always cooked till they’re very soft. This isn’t very good for the nutrition content of the veggies and I’d recommend cooking them till they’re just done and still have a bit of bite left.

The pan will be kept on a simmer for 5 – 10 minutes, till the tomatoes are cooked through. Finally we stir in the dried mango powder and it’s ready to eat! This dish is usually eaten with Rotis.

As you can see, the pattern is similar – fry onions (if using), spices, toss in vegetables, nuke them (or not) and serve. Now that we have an idea of the basics involved, let’s get on to the secrets!

The Cooking Methods (by Naheed)

Secret 1: Bhuno well.

This is an extremely important process and involves frying spices to extract most of their flavor. Remember not to overheat the oil (unless it is mustard oil, which has to be heated till it emits some smoke & does not froth when something is put in it). If dry powdered masala is being used, the oil should not be hot as the dry spices will burn. Some amount of water must be added if you feel the spices may burn. When making the masala, use onion paste along with ginger & garlic to which you will add other spices as required.

For meat however, the method is quite different. This is the last process for cooking meat in quite a few cases, or the process just before adding water to make the gravy. It is believed the real flavor of meat develops only if you devote upward of 10 minutes to this process. Meat releases some of its own fat which mixes with the spices and then the oil cooks the meat and helps the meat absorb the mixed flavors of the spices. How long to do so, is a question that has no fixed answer. As a guideline, stop when either the meat becomes too tender or the gravy becomes completely dry, or your guests start to get very restless. You will also notice that the meat & gravy tend to stick to the vessel if you do not stir them constantly. If they do, scrape it off; and if the gravy gets too dry, add yoghurt or water.

Secret 2: Bagharna

This is a simple process and is called Chaukna in Hindi. Here dry spices are added to hot oil and this concoction is added to a dish (e.g. Dal). Although a simple process, do not burn the spices. In fact it is advised that once you have added the spices, remove the vessel from the fire.

Secret 3: Dum Cooking

This is the art of slow cooking. It enables individual flavors to intermingle properly. This is also the method used for the last few minutes when cooking rice or biryani. In the old days, when food was cooked on coal or wood, the only way was to raise the distance between the flame & the vessel, or put the vessel in the dying embers, seal the lid of the dish with flour & put a few embers of coal on top of the lid. In dum cooking, it is essential the fire be at its lowest and the food will therefore take a while before it’s done. Rest assured that your patience will be amply rewarded. Thankfully modern cooking presents us with newer methods and one of the easiest is to put the whole vessel in an oven. If you do not have one, put a griddle (tawa) on the flame & then put the vessel on it. Also note that dum cooking meat will make the ingredients (meat, vegetables) exude the moisture or water within. A word of caution here: Try not to use a pressure cooker or the meat will not turn out right.

Secret 4: Frying

Simple you’d say. Well, yes it is. However, there are two types of frying. One is frying to cook and the other one to brown. For deep frying it is essential that there be sufficient oil to cover the item. For browning, the oil can be less but must be at a low temperature.

Secret 5: Using earthenware

Not only is earthenware cheap in India but it was also the first form of disposable crockery. Most desserts in India were traditionally served either on banana leaves or in earthenware crockery. Some of the better known five star restaurants in India still use earthenware. If you’ve noticed, tea at Indian railway stations is still served in earthenware glasses. Not only is it environmentally friendly, a special earthy flavor permeates the tea, which no cooking method can simulate.

Secret 6: Kewda Water

Kewda is the derivative of a desert plant with very fragrant leaves. The essential oil of this is heavily diluted in water which is used as a perfuming agent for food. Typically used in Firni and Zarda among other desserts and has no parallel.

The Ingredients

Secret 1: Dahi or Yoghurt

This is a wonder ingredient. Yoghurt lends a light buttery flavor to the creation as well as a light creamy consistency. For example, it is the base for some dishes like Rizala where the original flavor of yoghurt is completely transformed. Yoghurt when cooked transforms in taste to lightly sour and gives the gravy a creamy texture. All in all, it is an essential item. In a few dishes, it may be substituted by tomato puree but then the final result will be slightly different. Did you know vegetables cooked in yoghurt retain their shape? In fact in Dumpukth Fish, it is the yoghurt that preserves the shape of the fish. Also, at times if you have mistakenly added extra salt, add a splash of whisked yoghurt and cook for a while.

Secret 2: Onions

This is an essential ingredient in a lot of dishes and is commonly used for salads. A handy tip on handling onions is to remove the outer dry skin, cut in half and wash thoroughly to prevent your eyes from watering. Onions lend a sweetish flavor to cooking and are a common masala base. However when fried then mixed, the taste is totally different. So when the recipe says “fry onions”, you’d better fry them.

Secret 3: Cumin

There are two types of cumin seeds. The common white cumin seeds which are cheap are used mainly in vegetarian dishes. They are more often than not fried to get their flavor out. Sometimes as in a raita, they are dry roasted on a tawa and then ground. However, the more expensive black cumin seeds or Shah Jeera as they are commonly known as, are quite different in taste and flavor. The two are rarely substituted. Most restaurants substitute them in rice preparations, but then, what you get is something totally different.

Final Recipe

Now that we have quite a good idea of what’s involved in North Indian cooking, perhaps a slightly complex recipe is in order – Nihari. This is definitely not one of the dishes that one finds on the menu of five star restaurants. This is one of the dishes eaten with a lot of passion by all. In fact to have Nihari one must have the zest to wake up before dawn because it is a very hot meal and in most places where it is served, the service is over by 9am. It is a delectable broth of meat, cooked over a slow fire, mostly overnight and eaten in the early hours of the morning with a tandoori roti and an assortment of fresh herbs accompanied by loads of lemon. The meat is fulfilling and the broth is had as a refreshing and a rather hot soup. The other reason why one has it as a breakfast meal and that too only in winter is because it makes you feel very thirsty and rather warm. Don’t tell me I didn’t warn you.

Nihari

Ingredients

• 1 kg Nihari meat (or any other meat that’s available)
• 250 grams Onions, sliced
• 3/4 cup Ghee
• 2 tbsp ginger paste
• 2 tbsp garlic paste
• 2 tbsp dry roasted chickpea flour
• 1/2 – 1 tsp red chili powder
• 1 tsp Coriander powder
• 1/4tsp Turmeric powder
• Salt to taste

Spice mixture

Grind together the following:1/4 tsp. dried ginger, 1/4 tsp. mace, 1/2 tsp. fennel, 1/2 tsp. white cumin seeds, 2 large cardamom, 4 small cardamoms, 4 cloves, 6 black pepper seeds

Preparation

Preparation time 30 minutes | Cooking time 2-3 hours

• Add 2/3rd of the onions in moderately hot oil and when the onion goes soft add ginger & garlic paste along with ground coriander and turmeric powder and let it fry for about 3-4 minutes or until the oil comes on top again.
• Add the meat and cook over slow fire. The meat will let out its own water.
• When it is semi cooked, add the chick pea flour to 2 cups of water and leave the broth to cook over very slow fire for at least 45 minutes.
• The slower you cook the more flavors you will draw out.
• Keep the pot covered but no pressure cookers please.
• When the meat is as tender as it can get, add the spice mixture along with the leftover onions.

On a parting note, while cooking methods remain largely consistent and typical, knowing the spices will help tremendously. So while you’re cooking go on and add that sprinkle of black mustard seeds to hot oil and watch them crackle or throw in some curry leaves and savor the change in flavors!

Sid Khullar has written nearly 400 articles on food, cooking and other related subjects on Chef at Large. He welcomes recipe and photo contributions and is always looking to meet people passionate about the culinary arts.

Is it really necessary to be careful when you’re dining out? Can’t you just splurge when you eat out and watch your intake when you’re at home? Not if you want to lose weight! According to the National Restaurant Association, American restaurants bring in over 500 billion dollars in sales annually! Imagine what that figure must be worldwide! With grocery prices soaring, the majority of mothers working outside of the home, and so many people working long hours and living hectic lives, is it any wonder that we don’t cook anymore?

The problem, of course, is that with the growing obesity problem, and all the health-related issues that come with it, people are going to have to learn how to make wise choices when eating out in restaurants.

There’s absolutely no reason to give up restaurants! Let’s face it; their sales will probably continue to soar! Just follow these quick and easy dining out tips to help you make wise choices and you will be successful on your weight loss journey.

• Follow the new 5-4-3-2-1 Diet when dining out. No foods are off-limits!
• Plan the meal out in your mind before going to the restaurant. You might not be familiar with their menu, but you’ll be able to guess the basic choices. Go through step by step, from wine and appetizer to dessert, visualizing how you want the evening to go. When you sit down and look at the menu, remember your plan.
• Split a meal with your dining companion. Save money and have room for dessert!
• If no one wants to share a meal with you, put half to two-thirds in a “to-go box” for the next day.
• Order an appetizer as your meal. Add a small salad with the dressing on the side.
• Be specific when ordering. Ask questions and make requests.
  The restaurant is there to serve you and most are happy to do so. They want repeat customers!

  Order all dressings and sauces on the side so that you can dip your fork and control your portion. Order your food grilled, broiled, or roasted–never fried!

• Limit yourself to one glass of wine.
• Share one dessert with the whole table, or skip dessert entirely!
• A good dining out tip is to ask the waiter to keep the breadbasket or chip basket. If your dining companions want these things, then decide ahead of time exactly how much you will have and stick to the plan!
• Eat SLOWLY and savor your food. Put down your fork between bites. Chew well. Remember that it takes approximately 20 minutes for you stomach to register that you’ve eaten enough. Assess how you feel and stop eating when you’re no longer hungry.
• Eat with intention! Be a good listener and focus on your companions instead of your food.
• If eating in a fast food restaurant, never super-size. Ask the people at the counter what the healthiest choices are. Most have been trained to provide this information.
• At a buffet, use the salad-sized plates for your meal. Stay away from the salad bar with the exception of the fresh lettuce that you fix yourself. No creamy dressings! Don’t load your salad up with croutons, sunflower seeds, and cheese. Add only vegetables or beans. The other “salads” are loaded with fat and calories. Stay away from them. Choose meat from the carving station and add some vegetables. Allow yourself one small dessert.
• Never show up at a restaurant starving. If your hunger is over the top, eat a small salad before leaving home.
• Know that foods described as “smoked”, “barbecued”, or “teriyaki” are going to have high sodium and anything “breaded”, “sautéed”, “au gratin”, “scalloped”, or “creamed” is going to be high in fat.

Use these simple dining out tips to help you enjoy your restaurant experience. There’s no reason why you can’t enjoy a guilt-free meal and continue to lose weight!

Gail M. Davis teaches teens and adults alike how to eat healthy and successfully lose weight. You’ll find practical weight loss tips along with information about the new 5-4-3-2-1 diet plan, and much more throughout her site.

The ebb and flow of stock markets present opportunities to profit if an investor understands these cycles. Since 1900 we have had 27 bull markets with corresponding bear markets to make things interesting. Presently, we are experiencing the 6th longest and the 5th weakest stock market rally as measured by the Dow.

While this is interesting, it would be more helpful if we could better understand these cycles in the market. Well, the stock market does tend to move in cycles, short term (also called cyclical), and long term (also called secular). Secular markets typically can last between 10 to 20 years, while cyclical markets usually last between 2 – 3 years on average. Think of a secular market as the primary long term trend, while a cyclical market is simply a shorter term cycle within the primary long term secular market.

As investors and traders, we need to understand where we are within these market cycles, so we can be on the right side of the trend to enhance our success. For example, the market was in a secular bull market from 1982 – 2000, experiencing a strong primary uptrend where the Dow Jones Industrial Average increased over 10 fold from about a low of 800 to over 10,000. Of course, there were short term bear markets such as in 1987, however, the easy money was made on the long side as the primary trend was up.

However, here’s where the danger lies: The majority of investors today have only experienced a secular bull market, such as the one from 1982 – 2000. Most of us have not experienced a long term secular bear market where the primary trend is mostly sideways to slightly down. The last secular bear market lasted 16 years from 1966 to 1982. Just to give you some perspective, the Dow Jones hit a high near 1000 in 1966, and hit a low in the 800s during 1982. In other words, the Dow essentially was flat for 16 years. During this time, the ‘easy money’ was not made on the long or short side, but by being being a good stock picker identifying undervalued opportunities, special situation stocks, and sectors that are temporarily strong. Understanding whether we are in a cyclical bull or bear market greatly enhances our chances for success.

The problem is that the secular bull market that began in 1982 ended in 2000. Therefore, while the stock brokers advice to hold for the long term was good advice for a secular bull market, it is totally the wrong strategy for a new secular bear market. The market entered into a new secular bear market in 2000, and as history shows, this new secular bear market will probably last at least until 2010 or longer. The market rally from early 2003 until now is simply a cyclical bull market within the new long term secular bear market. Holding for the long term will not work in this new secular bear market.

Let’s look at each secular bull and bear market of the Dow over the last 100 years. As you can see, except for the secular bull market of 1921 – 1929, secular market cycles last on average 16 to 20 years.

- Secular Bull Market, 1982 – 2000, (18 years)

- Secular Bear Market, 1966 – 1982, (16 years)

- Secular Bull Market, 1949 – 1966, (17 years)

- Secular Bear Market, 1929 – 1949, (20 years)

- Secular Bull Market, 1921 – 1929, (8 years)

- Secular Bear Market, 1905 – 1921, (16 years)

Secular Bull Market, 1982 – 2000 (18 years)

Let’s work backwards, beginning with the last secular bull market, which lasted from 1982 – 2000. The Dow increased over 10 fold from a low of about 800 to a high in the 11,000s. The strong primary trend was up and the best way to make money was to be long in your positions. Only the nimble were able to take advantage of the few cyclical bear markets that occurred in 1987, 1991, and 1998. These pull backs were also opportunities to establish new long positions.

Secular Bear Market, 1966 – 1982 (16 years)

Prior to the last secular bull market, the market was in a long term secular bear market which lasted from 1966 to 1982. During this time, the market essentially went sideways for 16 years. For example, the Dow hit a high of about 1000 in 1966, and low in the 800s in 1982. If you would have followed your brokers advice to ‘hold for the long term’ you would have been greatly disappointed. Sixteen years is a long time to receive next to nothing in return on your money.

The chart of the Dow below from 1966 to 1982 is a classic example of what a secular bear market looks like. There were strong cynical bull and bear markets during this time that caused the market to essentially remain flat for 16 years. However, there were shorter term cyclical bull and bear markets that could be traded.

If you could use a time machine and jump forward 10 years from now, I think this how a chart of the Dow or NASDAQ might look. Both traders and investors will need to do their homework, seeking sectors and stocks that present great value opportunities.

Secular Bull Market, 1949 – 1966 (17 years)

The Dow was in a secular bull market from 1949 – 1966. Here the primary trend was up, which is typical for secular bull markets. The easy money was made by primarily remaining long throughout the cycle.

Secular Bear Market, 1929 – 1949 (20 years)

From 1929 until 1949, the Dow was in the famous secular bear market which also defined the Great Depression. After the nightmare crash from 1929 to 1932, the Dow essentially went sideways to slightly up for the next 17 years, but did not reach its old highs near 375 until the early 1950s. However, there were cyclical bull and bear markets during this long term secular bear market.

The Dow experienced the mother of all crashed from 1929 until 1932. Then from 1932 until 1937, the Dow nearly quadrupled from a low of about 50 to 200. Then from 1937 to 1942 the DOW lost about half of its value from near 200 to about 100 (cyclical bear). Then from 1942 to 1949 the DOW recovered (cyclical bull).

Secular Bull Market, 1921 – 1929 (8 years)

From 1921 until 1929, the Dow was in a strong secular bull market. Actually, from a chart perspective this period was very similar to the more recent 1982 to 2000 secular bull market. The primary trend was up, and the easy money was made by buying and holding for the long term.

Secular Bull Market, 1905 – 1921 (16 years)

The Dow was in a secular bear market from 1905 until 1921. This secular bear market was typical of most secular bear markets, such as the one from 1966 – 1982, composed of mostly vicious cyclical bull and bear markets that result in a mostly sideways long term movement.

Hopefully, you realize it is very important to know the market’s primary secular and cyclical trend. During secular bull markets, the easy money is make by staying long. However, during secular bear markets, staying long produces poor results at best and you could lose a lot of money. Stock picking and following the hot sectors is important for success.

Conclusion

The current market entered a long term secular bear market in 2000, and as history shows us, this will last at least until 2010, probably longer. As discussed above, during secular bear markets, the market trades in vicious cyclical bull and bear markets. Therefore, you have to be careful in the stocks you buy and be ready to sell them quickly should the market turn against you. Pull backs or cyclical bear markets will present opportunities to take new positions once they have run their course. It is also important to find value situations and play the hot sectors. You need to be defensive in our positions and for those who are willing to take the risk, you may want to take some short positions.

Trading and investing is much easier in secular bull markets, and much more difficult during secular bear markets. Since we are in a secular bear market for the next 5 to 10 years, it is going to be much more difficult to be successful in your trading and investing.

Currently, the cyclical bull market that begin in early 2003 is close to being over and a new cyclical bear market will begun that will last another 2 to 3 years. This means that the best plays will be on the bearish side for the next couple years, that is, until the next cyclical bull begins.

Hans Wagner runs a web site focused on stock market strategies and model portfolios for the investor and trader at: http://www.tradingonlinemarkets.com

Many Americans rely on their automobiles to get to work. No automobile means no job, no rent or mortgage money, no food. A single parent, struggling to make ends meet in the suburbs with 100,000 miles on the odometer, would presumably welcome the guaranteed opportunity for low-priced insurance that would take care of every possible repair on her auto until the day that it reaches 200,000 miles or falls apart, whichever comes first. Especially if the insurance is valid regardless of whether she even changes the oil in the interim.

So why aren’t the auto insurance companies writing such coverage, either directly or through used auto dealers? And given the importance of reliable transportation, why isn’t the public demanding such coverage? The answer is that both auto insurers and the public know that such insurance can’t be written for a premium the insured can afford, while still allowing the insurers to stay solvent and make a profit. As a society, we intuitively understand that the costs associated with taking care of every mechanical need of an old automobile, particularly in the absence of regular maintenance, aren’t insurable. Yet we don’t seem to have these same intuitions with respect to health insurance.

If we pull the emotions out of health insurance, which is admittedly hard to do even for this author, and look at health insurance from the economic perspective, there are several insights from auto insurance that can illuminate the design, risk selection, and rating of health insurance.

Auto insurance comes in two forms: the traditional insurance you buy from your agent or direct from an insurance company, and warranties that are purchased from auto manufacturers and dealers. Both are risk transfer and sharing devices and I’ll generically refer to both as insurance. Because auto third-party liability insurance has no equivalent in health insurance, for traditional auto insurance, I’ll examine only collision and comprehensive insurance — insurance covering the vehicle — and not third-party liability insurance.

Bumper to Bumper

The following are some commonly accepted principles from auto insurance:

* Bad maintenance voids certain insurance. If an automobile owner never changes the oil, the auto’s power train warranty is void. In fact, not only does the oil need to be changed, the change needs to be performed by a certified mechanic and documented. Collision insurance doesn’t cover cars purposefully driven over a cliff.

* The best insurance is offered for new models. Bumper-to-bumper warranties are offered only on new cars. As they roll off the assembly line, automobiles have a low and relatively consistent risk profile, satisfying the actuarial test for insurance pricing. Furthermore, auto manufacturers usually wrap at least some coverage into the price of the new auto in order to encourage an ongoing relationship with the owner.

* Limited insurance is offered for old model autos. Increasingly limited insurance is offered for old model autos. The bumper-to-bumper warranty expires, the power train warranty eventually expires, and the amount of collision and comprehensive insurance steadily decreases based on the market value of the auto.

* Certain older autos qualify for additional insurance. Certain older autos can qualify for additional coverage, either in terms of warranties for used autos or increased collision and comprehensive insurance for vintage autos. But such insurance is offered only after a careful inspection of the automobile itself.

* No insurance is offered for normal wear and tear. Wiper blades need replacement, brake pads wear out, and bumpers get dings. These aren’t insurable events. To the extent that a new car dealer will sometimes cover some of these costs, we intuitively understand that we’re “paying for it” in the cost of the automobile and that it’s “not really” insurance.

* Accidents are the only insurable event for the oldest automobiles. Accidents are generally insurable events even for the oldest autos; with few exceptions service work isn’t.

* Insurance doesn’t restore all vehicles to pre-accident condition. Auto insurance is limited. If the damage to the auto at any age exceeds the value of the auto, the insurer then pays only the value of the auto. With the exception of vintage autos, the value assigned to the auto goes down over time. So whereas accidents are insurable at any vehicle age, the amount of the accident insurance is increasingly limited.

* Insurance is priced to the risk. Insurance is priced based on the risk profile of both the automobile and the driver. The auto insurer carefully examines both when setting rates.

* We pay for our own insurance. And with few exceptions, automobile insurance isn’t tax deductible. As a result, the fear of increasing insurance rates due to traffic violations and/or accidents changes our driving behavior and we sometimes select our automobiles based on their insurability.

Each of the above principles is supported by solid actuarial theory. Although most Americans can’t describe the underlying actuarial theories, most everyone understands the above principles of auto insurance at the intuitive level. For sure, as indispensable automobiles are to our lifestyles, there is no loud national movement, accompanied by moral outrage, to change these principles.

Unsustainable Market

In contrast, similar principles are routinely violated in health insurance. To demonstrate this, let’s return to the same suburban mother from the opening paragraph. She’s busy working, driving to and from work, and driving her kids to school and activities. She ends each day exhausted, sitting on the couch with fast food. She’s obese, has a sedentary life, a bad diet, and hasn’t taken the time to go to the doctor in years. After a simple injury doesn’t heal for weeks, she turns up at the emergency room and learns she has type II diabetes. Although type II diabetes is controllable, changing diet and exercise habits and properly tracking her condition takes time and effort and she’s never quite successful in implementing the necessary lifestyle changes.

So the initial emergency room visit is only the first of a long list of health care related to non-controlled diabetes and other problems associated with obesity. Whether she has individual or group insurance, her insurance pays for each episode of care, without singling her out for a premium increase, and without charging her any more cost sharing than is charged to the healthiest and most medically diligent insureds. Her coverage continues until she voluntarily changes insurance companies and/or employers or becomes eligible for Medicare. If she’s covered under group insurance she may not even pay any premium. Her insurance continues unabated, even though the disease was caused by neglecting her body and she maintains her poor lifestyle even after the disease becomes known.

This just wouldn’t happen in auto insurance. This scenario is the auto insurance equivalent of guaranteed access to low-priced auto insurance that takes care of every possible repair, including damage already done, until the day the car falls apart so completely it’s unsalvageable (death) or reaches 200,000 miles (Medicare), regardless of whether she even changes the oil (takes care of herself) in the interim.

As a society, we don’t expect this in private-market auto insurance, but we expect it in private-market health insurance. Furthermore, there’s a chorus of national and state interests, which continuously pushes us further away from the auto insurance principles.

The current private health insurance market isn’t sustainable. Prices have been consistently increasing faster than inflation for decades. Each year, insureds use more health care than ever before and more people have no insurance at all. Most actuaries and other people in the private health insurance market don’t want national health insurance with its bureaucracy and one-size-fits-all benefits. Yet, we’re trying to sustain a private insurance system, which violates the very principles we know are necessary for private insurance markets.

Yes, health insurance involves the sacredness of human life and is therefore different from auto insurance. But if we’re to sustain a private-market solution to health insurance, actuaries need to explain to the larger society, in terms that society understands, the rationale for the following principles:

* As sacred as health care is, it’s still an economic transaction that has to be balanced by individuals and societies, against other economic choices. It can’t be unlimited. Sometimes it will be secondary to other choices. On a given day, for example, the mother in our scenario may value her car more than her health.

* Insurance premiums should be paid by the individual and tied to controllable risk factors. This will provide the best incentive for the control of risk factors.

* Although it’s hard to draw the line between abuse, neglect and ignorance, self-abuse shouldn’t be insured and we need to draw that line somewhere.

* The private market can’t provide unlimited, self-directed health insurance.

* Routine care and ongoing treatments of chronic conditions can be pre-funded, can even be subsidized, but they don’t constitute “insurable events.”

* Insurance can’t be expected to keep every human body in pristine condition. No amount of health care will prevent everyone’s ultimate death.

* Comprehensive, unlimited, non-subsidized private-market coverage isn’t possible for people with severely impaired health.

* The private health market can provide limited non-subsidized health insurance, such as protection from accidents, to even health-impaired individuals.

* Individuals who can afford to do so and who take good care of themselves should be able to “buy up” to better coverage. People have the option of buying up for everything else in life.

Discussion of these principles is lacking from most of the current health insurance debate. If society can intuitively understand how similar principles apply to health insurance, then they should be able understand the principles in the health insurance context. We need to initiate the debate.

This commentary is solely the opinion of its author. It does not express the official policy of the American Academy of Actuaries; nor does it necessarily reflect the opinions of the Academy’s individual officers, members, or staff

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In this article you will find information about lawn tractors. Knowing the prices, various uses, and how to use this tool safely can help you make the knowledgeable decision about which lawn tractor is best for you and your uses.

Lawn Tractors = Small Tractors

If you need a tractor for different kinds of farmwork for less than 2 acres, then a farm tractor is the best choice for you. You can greatly reduce your manual labor, due to the many attachments that are available for lawn tractors. You will find that this can help you keep your garden in tip-top condition in much less time. In most cases, a lawn tractor up to a maximum of 7-10 HP will also have a ZTR (zero turning radius) feature to help you when working in a smaller field.

The Versatility of Lawn Tractors

Versatility is a major benefit of lawn tractors. Some of the jobs that can be completed by lawn tractors include hole digging, lawn rolling, tilling, mowing, and many other jobs. The power take off spindle makes these jobs easily possible. That is why lawn tractors are a gardener’s best friend.

Purchasing A Lawn Tractor

Choosing and purchasing a lawn tractor is much like buying an automobile. The optional accessories increase the prices of both a car and a lawn tractor. That is why you want to choose your lawn tractor and accessories wisely to ensure that you will use the ones that you are purchasing. You also want to ensure that you can try the lawn tractor in the showroom to ensure that you can attach and remove the accessories with very little effort. Test-drive the lawn tractor to make sure you can get in and out of it easily as well.

Price of Lawn Tractors

There is a large price range in lawn tractors. A smaller lawn tractor can start at $900 and go up to $6000. The Bolen 762F76 is a basic model and it is available for just under $900, while the John Deer Spin-Steer SST-16 is approximately $3300. A Poulan Pro PK1845H42ST is about $1400. These costs are for the tractor without any accessories. Accessories can make the cost greatly increase. A canopy starts at $110 and a collection bag for grass is around $300. A cart can run you anywhere from $110 to $220, depending upon the size. Now you see how the costs can quickly add up. If you are planning to use the lawn tractor for mowing 1/2 to 1 acre, then you may want to choose a stand behind lawnmower for around $350, instead of a lawn tractor.

Safely Using A Lawn Tractor

Lawn tractors are designed with a low center of gravity and that is why there is very little possibility of the lawn tractors tipping over. It is important to use the following safety precautions, regardless of the little possibility of them turning over.

o It is important that you watch your speed, especially when you are on an incline. A small rock can cause your lawn tractor to have problems and possibly injure you.

o While getting off of the lawn tractor, ensure that it is turned off and all attachments touch the ground, if at all possible.

Andrew Caxton is a journalist who has written more articles and newsletters on the subject for [http://www.lawn-mowers-and-garden-tractors.com] . A free online magazine that carries articles on lawn tractors, and a guide on lawn care here lawn tractors [http://www.lawn-mowers-and-garden-tractors.com/lawn-tractors.html]