Three times in the last month I’ve been asked the question, “what do I need to do to organise a gig?” In reality, when this question is asked it can mean several things: How do I find a venue? How do I sort out the PA? How do I get an audience? And so on.

But there is a stage before all of this: the budget. I would suggest that the moment you start thinking about organising an event you should write a budget. This budget spreadsheet informs you of most things that you will need to consider and will also show you the risk, projected profit and the breakeven point. A sample spreadshhet is available to download from this address http://www.josaka.com/features/2005/Organise-A-Gig/Event-PandL.pdf

If the budget numbers don’t look like they are working perhaps the event is not the right thing to be running. If you don’t like the level of risk, perhaps you aren’t cut out to be a promoter.

So the start point is a spreadsheet. This should include all costs and all incomes. The key headings for costs should include: performer cost, PA, lighting, venue hire, marketing, box office costs etc. The income is likely to be largely ticket sales but don’t forget the opportunity to add a sponsor to the event.

The spreadsheet will help you work out the breakeven point for the event i.e. how many tickets you need to sell to cover all costs. Every sale beyond breakeven is of course profit (exluding any box office commision). The added bonus of creating an event spreadsheet is that helps define all the key tasks to be performed.

The realisation of the forecasted numbers becoming actual figures suggests that all parties have got the deal they were looking for or agreed to. The sample speadsheet also illustrates that everyone else involved in the gig is largely earning a fixed fee and therefore the only person taking a financial risk is the promoter.

So if you are thinking of organising a live event I coomed you to work on the numbers first. This will help ensure you deliver a great show and have control over the money.

Kevin Harrington is the founder of josaka http://www.josaka.com the site that supports live music in Berkshire, UK. He is also director of marketing for Arkade http://www.arkade.com the mp3 distribution business.

The majority of my friends who travel refuse to buy travel insurance . They are always telling me that they don’t need such a thing. On the other hand, I always buy travel insurance when I travel. I know it’s a way to protect me and my family. So? What do you do? Do you think you are above the risks or decide to protect your self?

ust think about this: your flight is canceled because of the weather. The airline won’t always compensate you. But travel insurance will. Or you fell ill while trekking in Nepal. If you think you are going to get good medical care there, think again. Travel insurance will allow doctors to transfer you to a proper medical facility, even move you back home.

If you come from an EU country and visit Europe, you can get free medical insurance in all European countries. Make sure to have your card which proves you can benefit from such a service. Otherwise, a travel medical insurance is a must.

What about if you fly on a low-cost carrier and managed to get the cheapest airline tickets ? Great deal but if you flight gets canceled, there’s way too much headache to get the money back and by the time you are done wt the paperwork you’ll probably get back about 1/3 of the cost…and the cost for such a ticket is about $30…worth it?! Neah, skip the travel insurance in this case.

Can you imagine what it would be like without the internet? It seems like life would be so boring without it. The internet is now a part of everyday life. I am not sure of the percentage of people who use the internet on a daily basis, but I am sure that the number is growing. And the thing about the internet that makes it so great, is that once you start using it, you will more than likely continue using it.

Without the internet information is delivered either on paper, by person, or video or audio. The internet offers up unlimited information at your fingertips. It really does not matter which type of information you want to find, the internet will have something on it. If you want to lose weight, you could find the weight loss aid Acceletrim on the Internet and read all the information about the subject, it is really that easy. If you wanted to know when the next release of your favorite series off books comes out, just find the website on the internet and the information will be right in front of you. It is so fast now, just a few years ago it took a while to load the information, but not now, we are talking under a second to load, almost faster than blinking the eye. There was talk about sending information through infrared lasers and such, and if something like that comes about, we could move massive amounts of information so fast that we won’t know what to do.

Videos on the Internet are a useful way to expose your organisation’s products & services. Sure, there are numerous other types of marketing approaches from content writing to blogging, from press releases to podcasting. But nothing says “cool, connection, and creativity” like a commercial video.

Each week more and more organisations of all sizes are making Internet videos about their products. They’re not only adding them on their business sites, but they are putting them to their blogs. To gain universal 24/7 exposure, business videos are being added to loads of video-sharing websites like YouTube & Kwego. And why not ? it’s very inexpensive, easy-to-do, & can have a large impact, in a number of cases, on the traffic it brings to your organisations site. Vidify offer unique video production and distribution solutions. Visit the website.

There are many other reasons why Web videos are a fabulous way to advertise your firm.

Professional videos benefit from a far reaching distribution channel: Videos by their very nature are easy to “package” which means they are easy to be added to a choice of different distribution circulations. You can post them on your companies website or blog, if you want you can even put them onto your desktop computer & run them repeatedly at an event. You can post them to many World Wide Web video-sharing social media sites. You can copy them onto DVDs and give them away or sell them. You can even dispatch them via email.

Online videos are a great way to communicate. As our understanding with technology changes, so do the methods in which people like to cooperate with others. Most individuals are visually oriented meaning that is how they best understand and cooperate with their world. This makes commercial videos the idyllic marketing strategy to communicate to today’s public.

These are just a number of the numerous reasons why Web videos might be an effective way to market your businesses products. Find out more about this area to see how you might use your time, money, & energy to talk with your target market in a ground-breaking and remarkable way.

Welcome and thank you for showing your interest in this free
series which will explore the different treatment
options available for bipolar disorder. In this series
you can expect to discover:

Part 1 - What is bipolar disorder and how is it treated.
Part 2 - What medications are effective in treating bipolar disorder.
Part 3 - Effects of nutrition on bipolar disorder, psychotherapy and other treatments.
Part 4 - Co-occuring illnesses and genetics research.
Part 5 - Brain imaging and what does it show.
Part 6 - Treatment research
Part 7 - Where to find help

Let’s get to it

Introduction

Bipolar Disorder is a mental illness that causes people to
experience extremes in moods from high to low, sometimes
within a single day or week. As of 2005 there is no known
cure for the condition previously known as manic-depressive
illness. But scientists, researchers and physicians are
optimistic as they work to improve the prospect of a
reasonably normal life for sufferers and those they love.
The general public must become more aware of this illness
in order to take action early, thereby avoiding damaging
consequences. Patients themselves ought to pay heed to
whatever therapy is recommended by their physician, whom
they should know well and trust. Only in this way will
people be in the position to successfully manage this
potentially devastating illness.

Early Treatment is Important Contrary to the hopes of many
parents, Bipolar Disorder cannot be diagnosed at birth.
Symptoms usually appear in adolescence or early adulthood.
Unless the sufferer is treated, those symptoms will recur
throughout the course of life. Some people pug up with
bipolar disorder much longer than they should, only because
they do not realize they have the illness. If patients are
not diagnosed early, and cared for, Bipolar Disorder
becomes more difficult to treat. The longer a person
continues without medical attention, the higher the risk of
alcohol and substance abuse, suicide, and serious issues at
home, work and school. Proper treatment is very important
so that the bipolar disorder patient can begin to stabilize
his or her moods. Exaggerated mood swings are at the heart
of this illness, and in many ways define it.

So How is Bipolar Disorder Treated?

Bipolar Disorder is treated through a combination of
medication and psychological treatment and oftentimes,
nutrition. As with many conditions or illnesses, a
collective approach tends to be most effective.

A medical doctor (most often a psychiatrist) with expertise
in the diagnosis and treatment of mental disorders
generally prescribes medication. Treatment should be
ongoing, and not on-and-off. Even with continuoustreatment, mood swings may happen, but if a doctor is notified, he or she can adjust the treatment plan to suitthe patient’s need. It is critical that patients work very
closely with their doctor, communicate openly and honestly
regarding questions or concerns, and feel comfortable
discussing treatment options.

Many bipolar disorder patients record their daily moods,
their treatments, sleep patterns and life events on a
chart. By charting their day, sufferers and their loved
ones become more aware of possible triggers. As a
consequence, they can effectively guide the treatment
process.

In the next issue we’ll explore the different medications
used to treat bipolar disorder.

Copyright 2005 LifeWithBipolar.com

Wishing you a full and joyous life,
Derek Barlow

———————————————————
If you would like to receive the remaining issues in this
free 7 part series, please visit us at
http://www.LifeWithBipolar.com
———————————————————

I once heard a lady say to a photographer that she would have bought his work if it had been a painting. She liked the image, but for whatever reason didn’t consider the medium suitable for her “it’s just a photo”.

I am sure that some share her thoughts, whilst others would be quite happy either way, but a growing number of people do recognise photography as an Art form. And collect it.

“There are three fundamental components of what we call art. First, is the artist; second, is the medium; and third is the artwork. All three, clearly are interrelated.” Tad Beckman

Defining photographic art

It is true many people do regard photography as merely a reproductive medium, and the photographer as simply the technician. And if this were just about your holiday snaps then it would be a valid point.

So let’s start with my definition of photographic art. I say my definition because there is no stock answer it means different things to different people.

For me it’s about creating a beautiful image that is an interpretation of the scene that I saw in my mind captured on film, rather than just a recording of what is already there.

It’s about the photographer being the choreographer of the various components; the composition is critical, as is the lighting, weather conditions and the colours at play.

It’s not just about pressing the shutter release, although timing is everything. Patience comes into play too, as you wait for all the components to be perfect all at the same time.

Some things you can control, but the weather well that constantly throws out surprises that can add that hint of drama to a picture or send you home disappointed.

It’s these uncertainties that add the challenge, and this results in creativity as you respond to the situation. Other photographers will have their own criteria, but we all are producing very personal pieces of work that we feel passionate about and that are a representation of our interpretation of the world.

A photograph - more than just a sheet of paper with an image on it?

Oh yes! Typically a photographer will capture an image that pleases their eye. They will create something that is close to their heart, and therefore give a little of themselves in the image.

Effectively they are allowing you to see how they perceive the world to be, one moment at a time. Add into the fact that many photographers print their own work (once they have an order!), and sign it then you could say you are buying a piece of history - or designer art!

In other words you are not buying a mass produced print, and naturally the price reflects this. You are buying into the reputation of that photographer and you will expect to pay more. When someone is starting out and building reputation then you are investing in the potential of that person.

You won’t pay as much, but you’ll be backing your own instinct and demonstrating your belief in that person’s talent. Contemporary photography is affordable art.

Subject matter - does it matter?

Personally I don’t believe it does, and I mean this in the sense that people will be drawn to your work because they have seen something of yours and liked your style, and typically that means they like your choice of subject matter too.

My preference is for landscapes and increasingly flowers, whilst other photographers prefer sport, people or a more abstract approach to name but a few.

I think the key to preserving artistic integrity is to shoot for your own personal satisfaction, although naturally as your reputation builds you will develop an understanding of what collectors want, but for me I always have to love the image myself to want to share it with the world. Anything less and it stays in the drawer!

I still experiment, and search for new subject matter, but my photographic style is what it is. It just keeps evolving.

A new language

Understanding the language of the image is something quite individual to the viewer, it does not explain itself in the same way to each person. It is subjective. And although some may view photography as easy, believing that there own point and shoot cameras can produce similar results to a master photographer are confusing the issue.

After all most of us have made paintings at some time in our lives, and may still own paint brushes, but wouldn’t necessarily look at a painting by a master and not consider it to be art would we?

It is the heart and hand of the author behind the brush, camera or pen that executes the creative vision not the tools used.

About the author: Sue Kennedy, LRPS & LBIPP
Sue Kennedy is an UK based photographer specialising in outdoor photography and works on commission for companies & individuals as well as shooting for picture libraries. To purchase from Sue’s current print and card selection visit her Website http://www.blueeyesphoto.com

Copyright © 2004 Sue Kennedy
Blue Eyes Photography Ltd

Personal loans, to be very frank, have no benefits of their own. It is how one proceeds on personal loans and how decisions related to them are taken that has bearing on the fate of the personal loan. Accordingly, borrowers are not party to any benefit by the mere fact that they have taken up a personal loan.

Since the entire populace cannot be expected to be as logically sound and good in decision-making, the benefits accrued to each borrower may not be the same. Mr. Johnson, for instance, would complain of the increasingly high costs of personal loans. Mr. Smith, on the other hand, finds the same loan from the same lender cheaper because of the correct decisions that he made on the loan.

Personal loan decisions thus hold a prominent place in the scheme of things. The list of benefits of personal loan is really promising. In the following section we will learn about the various benefits of personal loans and the decisions associated with them.

Low cost
Individual borrowers, while choosing a particular finance method, emphasize on the cost of the loan. You might have heard of borrowers who had to pay huge sums as interest on loans. Nowadays, there are no such borrowers to be found. Borrowers today come with sufficient groundwork on the rate of interest prevailing in the loan market. Lenders who want to sell their personal loans have to be reasonable in fixing the rate of interest or APR. Personal loans are cheaper provided the personal loan sports the lowest available rate of interest. Since personal loans cater to individual requirements, they ought to be cheaper than the other loans.

For getting this benefit, individuals will have to decide whether or not they are prepared to offer collateral. Collateral has the effect of reducing the risk involved in personal loans. Classification on the basis of collateral can be made in personal loans. A secured personal loan for instance will be cheaper than an unsecured personal loan. While collateral lessens interest rate, the loan provider gets a direct charge on the collateral. This may be repossessed if loan is not repaid in full.

Varied uses
The uses of the personal loan are varied. Since individuals have the key to the loan, there will be no end to the number of uses invented by the individuals. Debt consolidation, home improvement, car purchase and holidaying are some of the most popular uses that the personal loan proceeds will be used in. There is no restriction from the loan provider on the usage of the loan proceeds.

Borrowers will have to decide beforehand if the use is prominent enough to be satisfied through a personal loan. If the task on hand can be safely postponed to a later date or sufficed through any other source of finance, then an extra obligation in the form of personal loans will be deferred.

Source of finance
For certain groups of people personal loans are a source of finance. Individuals who do not have a high income or who do not have much income left after paying off the expenses will find personal loans very handy. Personal loans for some people are meant to save their own resources for use in other more productive purposes. Since personal loans need to be repaid in small monthly installments, it will be much more convenient to pay immediate expenses through personal loans than through ones personal resources. The decision with regards to the benefit will be on whether or not the use justifies the personal loan.

Easy availability
Personal loans are also preferred for their easy availability. The number of loan providers dealing in personal loans has increased phenomenally over the past few decades. Almost every borrower, with whatever financial circumstances can hope to get personal loans according to their desires.

Lender decision, which constitutes one of the most important decisions, still needs to be made. A lender out of the several has to be chosen for the personal loan. The lender chosen must be ready to incorporate the desired features in the personal loan. Lender must be reputable and have linkages with several other loan providers. Loan provider must take the responsibility to provide good quality deals. The decision regarding lender is important because almost every benefit will have to be routed through the lender.

The discussion on the benefits and important decisions will come as an eye-opener for borrowers who think that they can relax once the personal loan is taken. The personal loan would be as it is moulded by the borrower. Lack of knowledge on the part of the borrower is not valid excuse. Since the repercussions of a mismanaged personal loan will have to borne singly by the borrower, it will be better to prevent them through advice by knowledgeable experts.

James Taylor holds a Master’s degree in Commerce from JNU he is working as financial consultant for chance for loans.To find a personal loan,bad credit loans that best suits your needs visit www.chanceforloans.co.uk/“>www.chanceforloans.co.uk/

In case you haven’t caught on to gambling saloon card-playing, feel free to read on…

By general definition a betting room is an edifice that accomodates games of chance. Aficionados can take a chance at coin operated machines or trying out different betting games. Gaming room games generally include transparent likelihoods informing them that guarantee the house reserves a lead against the gamers.

Often betting room games can result in you becoming far too infatuated in no time. There’s the archetypal slotmachine, a cash operated instrument with three, occasionally more cylinders which revolve when an arm on its flank is started. This machine customarily rewards corresponding with a run of pictograms seen on the screen of the appliance. Unfortunately, gambling saloon games strive to create the illusion of domination, deluding the gaming devotee — the addressee is confronted with choices, but actually these can never really compensate for the customer’s disadvantage. This is induced by the betting establishment never paying up the full sum as hoped for. This systematic arrangement is regularly noticeable in well-known casino games like Texas hold’em poker, dice games, roulette or blackjack. Seven-card stud poker is undoubtedly an incredibly fashionable casino pastime. The gambling buffs, closely guarding their partially covered cards, make wagers in a principal pot that is ultimately bestowed onto the winning punter sitting on the winning combination of cards. (Of course, the shameless bluffer may well prevail too…)

All Poker Casino

Similar to five-card stud poker, blackjack is likewise a very trendy casino game. Most of its reputation is due to the mix of chance and intelligence & decision making, not to mention a praxis dubbed “counting”. It is a pretty sophisticated gaming tactics by which betting devotees will actually change the arm of chance of the card game to give them an advantage by both betting and fundamental actions in agreement with the cards dealt.

“Craps” is a well known casino wagering game where you bet money on the throw of two dice. Customers place the stakes on the outcome of of 1 roll, or on a succession of rolls of 2 dice. Dissimilar to blackjack, there is no credible bona fide winning betting system people could capitalize on to bend the odds.

Roulette is another celebrated game of luck; here, a croupier rotates a roulette wheel that encloses thirty-seven (applies to European roulette) or thirtyeight (American or Vegas roulette) distinctively numbered compartments in which a white pellet will come to rest, signifying the winning number as well as the attached sequences. If a participant has placed a chip on a number which strikes it big i.e. it is actually lucky, the promised bounty is thirty five to 1, the original stake is paid out. Thus the initial wager is increased by a factor of 36.

Make sure to be vigilant all the same for many of these betting room pastimes are very addictive. Copious lives have indisputably been destroyed through uncontrolled gambling & though it feels like fun, do your best to moderate yourself.

One can get great prices online for a car or home but what if you want to buy a computer, television or just a school uniform? Provident loans are made to measure against fulfilling such requirements. Provident loans basically came up against various pawn shops that had emerged and charged exorbitantly high interest rates for short term loans. And now they have grown to become a significant part of the lending industry.

Provident loans are offered as small unsecured loans for amounts ranging from £50-£500. Unsecured provident loans have small affordable payments which makes repayment easier. Also, repayment for provident loans is fixed. Fixed repayments for provident loans enable the borrowers to remain in control of their finances. With fixed monthly repayments, borrowers can safely plan their budget ahead. There are no other charges for provident loans and the amount remains same till the end of the term. Provident loans provide short term loans at reasonable interest rates. Without the drawback of high interest rates, provident loans become an alternative for those looking for short term loans. Provident loans fail to turn into any financial trap because interest rates are not high.

Provident loans also have a secured form. Secured provident loans are applicable for loan amounts of £50,000 or above. Such large amounts are not sanctioned without collateral so you would have to find a security to place for provident loans. Provident loans exhibit great flexibility when it comes to acceptable collateral. The special trait of provident loans is that, they accept gold and diamond jewellery as collateral. Also, gold coins, watches and silver ware are accepted as collateral. Try finding out what lenders accept as collateral for provident loans.

There are three provident loans product which you can choose from. These are - cash loan, easy shop card and shopping vouchers. With provident loans you do not necessarily have to take out loan amount in cash form. You can take the loan amount in the form of “easy shop” card. Easy shop card enables you to buy household goods of any sort. Shopping vouchers are from major retailers so that you are able to buy the products you have been looking for.

Provident loans include options for sub prime borrowers also. Provident loans are applicable for borrowers with bad credit. Bad credit history like late payment, CCJs, bankrupts, discharged bankrupts, arrears, defaults can find provident loans. Provident loans are affordable loans which make bad credit borrower’s payback their loans in time and therefore improve credit. Bad credit will cause you to pay interest rates a little higher than market interest rate for provident loans. Provident loans lenders are offered without credit check.

Locating provident loans online is much easier. There are many options and alternatives to choose from. However, finding the right provident loans lenders is important. Online provision enables you to compare loans. Compare provident loans offers that you get from various sites and then make your decision. Decision should be based on interest rates offered and repayment terms. Look out for any hidden fee and other charges before settling for loans. Lenders make money from borrowers who have bad credit history by charging unreasonably high interest rates. Choose a provident loans lender who is not just operating another pawn shop online. Make use of the online tool - provident loans calculator. It is an easy to use calculator which enables you to know the cost of provident loans for your situation.

Loans term for provident loans is 6 months. Provident loans providers usually have agents for collection of cash or repayments for provident loans. In fact provident loans come with door to door repayment options. Before you apply for provident loans be clear in your mind about the fact that you can afford the loan. With Provident loans you are putting your personal property at stake. It is not advisable to pledge something without knowing whether you can make repayments. Provident loans are provided fast; in fact you can get provident loans approved for within 24 hrs. Provident loans enable you to face unexpected financial emergencies or make necessary purchases fast.

The irony of life is that sometimes even £50 will do and exactly at that very moment we can’t find even £50 in our pocket. Provident loans are constantly making it easier for you to both borrow money and repay it. Provident loans are ensuring that pawn shops and high interest rates loans are not the only alternatives for a person looking for short term loans. Provident loans are indeed a unique money borrowing idea without the obvious challenges and with the unavailable opportunity.

Maria smith has not been writing articles from the beginning.But the increase in perplexing loans information has urged her to write on different loans types.So she writes in a way that is logical,comprehensive and understandably meant to cater to the need of general public who is left breathless while searching for loans.To find a Loans UK,secured loans,unsecured loans,Debt consolidation,Provident Loans at low interest that best suits your needs visit
http://www.loansfiesta.co.uk.

For Daily Lives

1.You needs helps for your birth, but you don’t need help for your death. 2. Learn to be entertained in the human ways. 3. Start to learn everything from your home, parents and relatives and see how it will benefit you at your workplace. 4. Everything around you; nature and living animals and humankind, can be free-of- charged learned. 5. Don not totally believe these quotes and other books you red and are reading, but you need to read these to get you self-innovated answers. 6. Life is like “an act one the stage: It has the beginning, body and end, and you must try your best for the three stated stages”. 7. Boasting it will never produce the yield. It is action that will definitely produce.

On Laws

1. Justice and law is one, but it is extremely hard to have good law and genuine justice, since the two are human-created. 2. Learn both the goods and bad points from those already-made laws, so that you can be unconsciously contradicting the law. 3. Do not believe that law is the hard subject, because it is created by humankind. 4. You are entitled to pursue the truth in law, since your truth is more responsive to our current world. 5. Citizenship means that we are bounded by the constitutional contract. 6. For the growth of population, human rights have been converted into citizens’ rights. 7. Law is just a piece of paper and too abstract to imagine, but the essence of law is instigated within the individuals. 8. Law was born to fulfill two obligations: “creating and solving the conflict.” 9. Invent your own life-constitution, so that you are disciplined in your legal profession. 10. Law and philosophy must be closely tied.

On Philosophy

1. One thing that I am completely contradicted to religion: aspiration will make us more human, but giving up everything. 2. Philosophy is the inspiration for all other disciplines, because if you understand philosophy, it would ease you path to other subjects. 3. To me, philosophy is an “art of no answer” and it must have one thing in common: rationalism. 4. Philosophy will lead you to: your own answer that no answers in the book will satisfy you. 5. Do not compare past philosophers with present ones, since they have different foundations for their thoughts. 6. Persuasion is probably the most prominent essence of philosophy. 7. Philosophy is instigated with just one idea: “demanding betterments for the public goods.” 8. Important thing can not be seen by the naked eyes.