Golf Guide For Beginners - Tips And Info

I sincerely hope that the information that I will be providing will make your experience with golf an even more enjoyable and rewarding experience than it was for me. Enjoy!

In my opinion there are three things necessary to get started playing golf properly. Beside a desire to learn, the first and most obvious of the three is you need golf equipment, secondly, you have to have some basic knowledge of how to swing a golf club and the basic rules of the game, and last but certainly not least is learning "Golf Etiquette". As you will note I will keep emphasizing the "Etiquette" part of golf and as you become a more experienced player you it will become clear to you why.

Since the first item I noted as a requirement to play was Equipment, some recommendations I would make to acquire equipment are as follows: Golf equipment can be very pricey so it is important to know the type of equipment that is right for you before you make any substantial investments. Golf Clubs can range from as little as $150 per set to as much as $2,000 or more for the new, most advanced Hi- Tech equipment.

My recommendation for someone starting out is to buy a used set of clubs, either at a golf store or garage sale, borrow a set from a relative or friend, or purchase a starter set form your local golf or sporting goods store ie; Dick's Sporting Goods, Golfsmith, Modells, Walmart, etc.. If you decide to purchase a new starter set or a used set of clubs you should ask to speak to the resident golf professional ( Dick's or Golfsmith would offer this service). He should be able to recommend equipment that will allow you to get started without spending an exhorbitant amount of money. It will also give you a chance to experience the game and determine whether it is right for you.

As much as I love golf there are people who have no interest or desire to play. In conversation with them I usually find that either they have tried it, found it too difficult and gave up, or they were into other hobbies such as fishing, boating and did not think golf was an athletic enough sport for them. I'm assuming that if you're reading this that you want to learn to play golf. One of the topics of a subsequent writing will be how to LEARN TO PLAY the right way. It you want to give yourself a fair chance to see if you really enjoy the game you have to learn properly. Golf is not as easy as it looks and since we can't all be Tiger Woods, us mere mortals have to work a little harder at it if we want to learn to play well. Forgive my digression, but I will do that from time to time to emphasize a point. The next writing will be about learning how to play, so back to equipment.

The beginning golfer does not need to carry 14 clubs ( the approved amount of clubs allowed to be carried under USGA - United States Golf Association rules). When I first started playing I had a golf bag I borrowed, A driver, 3 wood, 5 wood, 5 iron, 7 iron, 9 iron, sand wedge and a putter and it was more than enough clubs to play. The different numbered clubs are used for different distances. For example, the Driver is the least lofted club, which means you can achieve the most distance utilizing this club.The subsequent clubs noted, 3 wood, 5 wood, 5, 7 & 9 irons and sand wedge all have increasing angles of loft respectively, so as the number increases on the club the resulting distance will decrease accordingly. Each number will progressively represents about a 10 to 20 yard variance depending on one's ability and if you are using a wood or an iron. As you begin to play you will learn more about when and why you use the different clubs but the important thing is to get started. Grab your clubs and get ready to learn to play"The Right Way".

Car Purchase: Top 5 Tips Before To Buy A Car

For the purpose of mobility, there is a need to own a vehicle. Through the years and in almost all societies, owning and driving a car has somehow become a status symbol because it is quite logical that owning up such a vehicle is not always affordable.

These days, however, people have greater chances of buying a car because there are practically more options in transactions.

If you are aiming to purchase a car, it would be wise if you would take into consideration several factors. Initially, you need to decide whether you want to buy a new or a used car. If you have enough money to spend, of course, buying a new car is the most advisable and logical thing to do.

New cars are always on top quality and are guaranteed to deliver good and reliable performances. On the other hand, if your budget is quite limited, you can opt to purchase a second-hand car, which are available at car auctions or through used car dealers and brokers.

When buying such refurbished and reconditioned cars, it is imperative that you look at several considerations, particularly, the number of the car's previous owners, accident and mechanical history and maintenance requirements.

When purchasing a new car, it would surely be helpful if you would take note of the following advices and recommendations. These are considered the basic and important things and activities you should do before car purchase.

1. If you are aiming to find and secure the best and most reasonable deals when purchasing a car, it would be advisable if you would make the acquisition on the period from July to October and on the second half of December.

It is a know fact that cars are basically less costly on these periods. Annually, the periods also coincide with the usual periods car dealers usually launch and implement significant car purchase discounts. Discounts of a few percent surely would mean a lot of savings.

2. Do a comparison shop first. There are numerous used car dealers in the community and all of them are aiming to cut the throat of each other.

That is why you can be sure there is intense competition, which usually comes in the form of contests to lure more customers by lowering prices. Of course, dealers offering the best and most competitive prices win, and you should do business with them.

3. Always remember that cars that would be ordered from a car plant or facility must not cost more when compared to the prices of cars on the lot or the showroom. Many car buyers are fooled when dealers charge extra costs for cars that need to be ordered from plants.

Likewise, you should be wary about cars that need to be sourced or located by the dealer from another dealership. Usually, used car dealers implement additional, yet, unnecessary fees for such service.

4. It is illegal for car dealers to sell cars that lack price invoice sticker or MSRP. The price tags in the showroom should always be the actual price you would need to pay if you are making the purchase. No more, no less.

5. Lastly, it would be wise if you would do your own research of the car model or brand you are purchasing. Carmakers and marketers hire the best advertisers. So at times, do not fully believe ads for they have been developed and produced to awe and lure buyers.

Information About Used Car Loans

Getting a used car loan is an option if you don't have the funds required to buy a new car. It is an easier option and way to realize your dream of having your own vehicle. The first step is to find out about lending options whether it is at a financing company or through online services to find affordable finance options. There are a few steps that you need to go through which include finding out the exact price of the vehicle, estimating the amount required and borrowing the amount that you are easily able to pay back in installments.

The need for a used car loan is specifically suited for individuals with bad credit and are deliberately formatted to favor such holders. If you have bad credit due to defaults, arrears, bankruptcy or a delinquent credit history you can still get the car that you need or desire. The options that are available to people with good credit are now also available to bad credit holders, whether it be secured or unsecured based on personal choice and ability.

The market for used car loan for bad credit holders has definitely gotten easier but you have to be very careful and make sure you arm yourself with a lot of research. Interest rates tend to be higher and that can affect the monthly repayments. Before making any decisions, applicants should put in a little bit of an effort and do some research and arm themselves with knowledge before making any further decisions. Applicants should compare quotes of used car loans that are offered by various lenders.

There are many available sources for research that you can utilize. If the method of applying for a loan seems lengthy or too complex, you can take advantage of brokers that do almost 90% of the work for you. Also customer call centers of the various lenders are just a phone call away. If you have bad credit or just can't afford a new car, consider the option of a used car auto loan.

Personal loans – a smart way to finance your needs

There are times when most of us need to take out some form of finance to help us to get the things we want in life, and there are many different forms of finance available to help us do this. If you are looking to by a home you can enjoy a choice of mortgage loans, for the purchase of a vehicle there are car loans, for every day needs there are credit cards, and for paying off expensive debts you can get consolidation loans.

Another form of finance is a personal loan, and these loans can be used for pretty much any purpose, so whatever you are thinking of purchasing or doing with the money a personal loan could be a smart and effective way to finance your needs. You will find that there are a number of competitive personal loans available from a variety of lenders, and you should therefore be able to find a personal loan that suits you in terms of interest rate and repayment terms.

You can use your personal loan for all sorts of purposes, such as buying a vehicle, treating yourself to a holiday, funding a wedding, purchasing items for your home, and just about any other purpose. You will be able to look forward to affordable repayments with your personal loan, making your purchase more affordable, and by comparing a range of different personal loans you can find the one that suits your needs and your pocket.

You need to bear in mind that eligibility requirements for personal loans can vary from one lender to another, and other areas such as interest rates and repayment terms can also vary, which is why it is important that you take the time to compare a range of loans from different lenders. You can use the Internet to compare different personal loan deals in order to find the best one for you.

Browsing and comparing personal loans from different lenders can be a time consuming process, and you need to also remember that getting a personal loan may prove more difficult now than in the past because of the effects of the global credit crunch. With these factors in mind you may find that the best way to find an affordable and suitable personal loan is through a specialist broker, who can search the market on your behalf and find a loan that fits in with your needs and your budget.

When you apply for a personal loan through a broker you will only have to complete your details one, and the broker will do all the searching and legwork on your behalf, enabling you to enjoy a stress free way of finding the right personal loan.

Needs Tips and Suggestions: Car Buying

When you are ready to buy a new car, it is important to take your time, do some research, and shop around. Before making a final decision on the purchase of a new car, there are many factors to consider.

Choosing a Vehicle to Suit Your Needs

If you are a cost-conscious consumer who is concerned with fuel prices, it is important to do your homework before buying a new car. First you must ask yourself what size vehicle you require. Those who are looking to save gas or gain better fuel economy should choose the smallest vehicle that will meet their needs. Vehicles that weigh one-third less than other vehicles will generally use one-third less fuel.

Find out how many cylinders the vehicle has as well as how many miles per gallon the vehicle uses on the highway and in the city. Car dealers often post the average fuel economy and other information on the windows of the vehicles. If not, this information can be found online.

While shopping for a car, keep an open mind. Many times people wind up with vehicles they didn't intend on purchasing before they started their quest. After researching a vehicle they sometimes find out it isn't what they thought they wanted.

Dealing With Salespeople

When entering a car sales lot, salespeople usually descend upon potential buyers like vultures. They can be intimidating and annoying to some, but depending on the attitude of the salesperson, they can be helpful to others. Don't pull any punches when dealing with a salesperson. If you are interested in a particular make and model of a vehicle, politely make it clear that you don't want to waste their time or yours looking at vehicles you're not truly interested in. Doing so right off the bat will save valuable time and help prevent needless headaches.

If cars are not clearly priced, don't tell the salesperson how much you are willing to spend. Instead, tell the salesperson what type of vehicle you're looking for and the top number of miles you're willing to accept. If you tell the salesperson how much you're willing to spend up front, chances are they will just so happen to have the vehicle you want for just that price. Be smart and don't give in to the friendliness of the salesperson. The salesman isn't there to be your friend. Salespeople are trained to win your trust in order to make a sale.

Take your time shopping for a car. Don't be pressured into buying from the first or second place of business no matter how much you like the vehicle. Allow yourself plenty of time to comparison shop and take lots of detailed notes. That way you can refer to the notes and alleviate any confusion regarding mileage or other important factors.

To Trade or Not to Trade

Trading in a car is an easy way to be rid of it, but that isn't always a wise decision. If your car is in good condition for its age, you can usually get more for the vehicle by selling it yourself. Dealers want to make a profit on your old car as well as the car you're buying, so traders beware. Research the blue book value of the vehicle before going to the dealer. If you are financially able to wait and sell the vehicle outright, then by all means do so.

If a dealer is willing to offer a credit for a used vehicle that sounds too good to be true, chances are they will make up for it by hiding the loss in the selling price of the new vehicle. The customer ultimately ends up losing the money they stood to make on the trade-in when the dealer adds the trade-in amount to the new vehicle price. In this case the consumer would benefit more by donating the vehicle and claiming it as a charitable gift.

If you owe a substantial amount on a vehicle you're considering for trade, be very cautious. Dealers often tout promises of paying off a vehicle no matter the amount owed, but this type of advertising borders on deception. Unscrupulous salespeople don't carefully explain their calculations. Car dealers will pay off any vehicle no matter the price, but quite often they add on the amount still owed on the other vehicle to the new loan. Essentially the customer ends up making payments on a vehicle they no longer own. Doing this creates something called "upside down credit." The customer ends up with a huge debt for a vehicle that isn't worth the amount owed. In this case it's wise to either try selling the vehicle yourself or hold off until the debt is paid down to a manageable level.


Test Drives

It is crucial to carefully test drive a vehicle. When taking a test drive, listen carefully for irregular sounds. Even someone who isn't a car mechanic can generally detect mechanical problems just by using their senses. Have the stereo off when driving the vehicle so you're able to detect any unusual noises. Pay close attention to the feel of the vehicle as well, and make yourself aware of any unusual vibrations, pops, or other noises that may indicate a problem. Don't let an overzealous salesperson convince you that nothing is wrong with the car. If your instincts tell you something is wrong, more than likely there is a problem.

Some car dealerships will allow you to take a car home for a day or two. If the car dealership you're working with offers this option, takes the vehicle home and drive it as you normally would. This will allow you time to find any problems or concerns with the vehicle.

Once You Find the Right Car

When you finally find the car that meets all your criteria and are ready to negotiate a price, look the car over for any visible problems. Check the tires for excessive wear or dry rot. Be sure to check the inside areas of tread that aren't visible as well as the areas that are easy to inspect. If the tires need to be replaced right away, you can plan on spending a hefty chunk of change in short order. Take this into consideration when making your offer. In addition, point out any other dings or blemishes to the salesperson. Most dents can be easily removed, and if the paint is not missing or cracked, the repair may become virtually invisible. Most professional car dealerships are willing to correct any defects or problems concerning the vehicle in order to make the customer happy.

Inspect the contract carefully before signing. Make sure any and all repairs are listed in the contract. Also make sure any and all warranties are fully understood and written into the contract as well. Any repairs not made before the sale or written into the contract might not be honored.

Warranties

New cars come with high-value warranties that provide piece of mind as well as essential protection. Used cars sometimes come with limited warranties, but many of the warranties on used vehicles only cover the drive train for the first month. Some dealers offer an extended warranty plan. Although these warranties are rather expensive, they are well worth the price. Replacement parts for vehicles can be very expensive, but labor is where most of the expense is incurred. Bumper-to-bumper warranties that cover a vehicle for three years or 36,000 miles are worth the piece of mind and protection they afford. After spending thousands of dollars on a used vehicle, it's wise to spend the additional amount for the warranty. The first time you use it you'll be thanking yourself

What to Do If You Lost the Software CD for Your Printer or Scanner

With springtime and summer months it will give you many chances for yard sales and great deals on getting computer products that may not have the software with it. If the product still works this may not an issue. Don't turn down a great buy just because there is no software with the item. You can still get software for the product. Even if you lost the software for your printer or scanner you can use these tips. Here are several ways that you can do that.

Online at the manufactures website you can look it up there. Everything that you need to know is device that you are trying to hookup itself. It will have the name of the manufacturer on it and also the model ID. Once you located this information you can go to your favorite search engine and search for the manufacturer at their website look for tech support, or driver's software downloads. Usually these pages are easy to navigate and you will be able to find the driver that you need to download to operate your new device. They will then give you instructions to download and where to save the file at. Then all you have to do is install your new device and it will find the software. If you do it this way, you may want to burn the files to CD for future reference.

Another way to see if you can install the device without software is to just plug in into your computer, sometimes Windows will have the file already preloaded on the computer from the factory. The device will find the software and install itself. Usually just plugging the device into the computer will allow it to find the correct software for the device. If it is a newer device then the software may be installed already.

If neither one of these two ways work for you the other option that you have is to contact the manufacturer of the product and advise them that you do not have the software and would like a replacement CD with the software drivers on it. This may cost you a little to purchase it but they will send it to you in the email. You may also be able to get the manuals for the device from them also. You may also be able to pick up software on eBay or another auction site online.

There is no need to pass up a great deal because of the software missing, there are options available to you that you can get software

How to Design and Plant a Garden in Small Spaces

Having fresh vegetables during summer months that you grew and picked yourself is priceless. If you have a small space in your yard you can make a garden. Here are some great tips to maximize that space to get the most plants and fresh vegetables in that small space. While most vegetable gardens are square or rectangle yours don't have to be if you are working with a small space you may have to get a little creative. This can be done.

When looking for a space chooses spaces that get direct sunlight that lasts about four to six hours a day. You don't want your garden shadowed by fences or trees. The garden will need sunny spots for your garden. Since you will be working with a small area you may want to break up your garden into different spots and areas of your yard. Each one of these spaces will need the direct sunlight.

If you are planting just a few vegetable plants in your garden you can do taller plants in one section so that the taller plants don't block the sunlight of the smaller ground plants. Another idea would be to plant the garden in a horseshoe shape with the taller plants on the one section then working your way around to the lower closer to the ground plants. The gardens don't have to be square any shape that will work in your space will work for a garden.

Working in a small area you may not be able to plant all the vegetable plants that you would like you have to choose which plants that you want the most. For me I would have a garden of nothing but corn on the cob, but your garden will be what ever you want the fresh vegetable. One way to maximize your space would be to build it up like a pyramid. You can build upwards and still plant many plants. For strawberries you can plant these in a pyramid area, this way you are not taking up much ground space but still able to plant many plants in that small area. Grapes can be used to create privacy fences, these are great because with some stakes and string you can arrange the grape vines to work in small spaces

There are many ways that you can design and plant many plants in a small space. When working with a small space don't think of the typical garden space and shape. You will have to get creative in order to get the most plants and returns on your plants for the season.