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Getting Temporary Or Short-Term Car Insurance Coverage

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If you are looking for short term car insurance you should know that you may not even need it. If you are thinking about getting car insurance for a short time period you are probably about to rent a car or borrow a vehicle…

Renting a car:

The rental car service will offer you some form of accident protection, liability insurance, loss damage waiver, and/or personal effects coverage. You do not need any of these offered insurances as long as you have your own car insurance because the insurance coverage you have on your car transfers over to the rental vehicle. It, however, does not transfer over if you are using the auto for some sort of business trip (something that is not recreational). In the following list you will find each of the 4 rental auto insurance possibilities and why you should probably skip each one…

Liability Insurance: All car insurance comes with liability coverage, which will transfer over to any car you drive. Keep in mind that liability coverage does not protect you, your passengers or you car, but those around the car (pedestrians, property, and other cars on the road).

Loss Damage Waiver: This protects the rental car from damage or loss. Some LDW’s only cover damage to the car if you are found to be innocent in an accident. Regardless, getting an LDW is pretty pointless if you have collision coverage (which would pay for repairs to the car regardless of who is at fault) and comprehensive coverage (which pays for damage or done to the car from things such as theft and collisions with wild life).

Personal Accident Coverage: It is very likely that you do not need this type of coverage because you either have health insurance, Medical Payments Coverage, or Personal Injury Protection.

Personal Effects Insurance: Your renters or homeowners policy will pay for the loss of items not only in your residence, but outside of it as well. If you want to insure something expensive, however, be sure to fill out a floater for that specific item.

If you are not absolutely sure if you are covered by your own car insurer, read your policy and, if you don’t understand something, give your auto insurer a call. You should also know that if you pay for the rental car using a credit card, the credit card company may provide short term coverage for that automobile.

Borrowing a car:

A lot of folks wonder if they need short term or temporary auto insurance if they borrow someone else’s car. Generally, no you don’t. The borrowed person’s car insurance coverage will transfer over to you as long as he or she gave you consent to use that car, making getting any type of short term car insurance useless. However, there are some things to keep in mind…

The liability insurance of the person from whom you borrow the car may not be enough to pay for liability damage that you cause while driving their car. If you have your own car insurance, this probably isn’t an issue. If, however, you don’t have your own car insurance and are held responsible for property damage of bodily injury liability fees after an accident, the liability insurance that is transferred over to you may not be enough. Say you cause $25,000 in damage and the lender’s liability coverage only goes up to $20,000. You are responsible for the additional $5,000, unless you have liability coverage yourself, which is at least $25,000.

You can easily correct the aforementioned problem by getting a non-owners auto insurance policy.

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Relax

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The beginning of the school year is incredibly stressful. With meetings, Open House, getting everything “ready”, no sleep and long hours – it can get to you. I have found a few tricks that help me at the beginning of the year.

First, plan one day at a time for the first week. You never know what you will get done, how the kids will manage, and what will “pop up”. I plan one day at a time, so I never have to stay “really late” at the beginning of the year.

Second, don’t stress about the “stuff”. When I first started teaching I worried about all the “stuff” the kids brought in. Where does it all go? When will I find time to sort it out? I’ve learned to not worry about the “stuff” because eventually it all finds a home. I place all the supplies in laundry baskets on the first day and slide them in a corner. When it gets put away, it gets put away…

Third, do not stay more than 1 ½ hours after the children leave in the evening. Don’t do it. You will only be tired the next day! Get your plans, materials and everything ready for the next day and go home. A well rested teacher is more fun, enjoyable and eager to teach.

Fourth, take time for you. This year on the first day of school I went to see a movie. I took 2 hours for me. Only me. Selfish, tired, worn-out, stressed-out me. And it helped. I came home smiling and ready to go back the next day. Make sure you take at least a little time each day for you. Take a walk, read a book, nap, take a bath, walk the mall, whatever makes you relax.

Fifth, remember to smile. Sometimes when we are under stress we forget to smile. It helps, really.

So, remember, the kids are the most important part of teaching, and stress comes and goes, it’s how you deal with it that makes the difference.

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The 10 Step Goal Process

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What does it take to achieve your goals? There is a process we mentally go through when we set, plan and take action on our goals. At times we think it is just about setting the goal and then getting into action. We quickly find ourselves distracted and off track. This is common, especially when the goal process is not followed. Here is a 10 step process to support you in your efforts. Good Luck!

1. OPENNESS – see opportunities and creatively explore new ways to get things done

2. CLARITY – know what is most important and set a goal

3. MOTIVATION – know your WHY and the benefits of doing this

4. CAN DO ATTITUDE – decide what you will do, celebrate what you have done

5. FOCUS – know what you want to achieve and get it done

6. PLAN – be clear and specific with your goal and plan of what and how you will do it

7. SET MILESTONES – create mini milestones to keep you feeling success and momentum

8. ACTION – have a list, have a schedule and deadlines, be proactive, be flexible, do something

9. SUPPORT – have a network or accountability to support you or keep you on track (it matters if you don’t do it)

10. RECHARGE TIME – after giving it 100%, take a break and rest and recharge

Test your goals now…

– Am I open to new ways and ideas? (fixed or closed mindset)

– Do I have clarity on what is most important to do?

– Am I motivated? If not, what is getting in my way and how can I remove the barrier?

– How is my attitude? Do I see the possibilities and solutions? If I am stuck, talk to someone or write down the block and shift to thinking “what is possible?”

– Am I focused? If there are distractions write them down to do later or set up space to reduce distractions.

– What is my plan to get this done? What do I need to do and when will I do it?

– What is the first milestone or significant accomplishment toward this goal?

– What action will I take right now?

– Who can I be accountable too and check in with?

– What will I do to recharge and take a break?

Setting goals isn’t just about the goal; it is about the process around the goal. At times these steps can seem obvious or trite however they are key actions in the process of goal achievement. If you are not reaching your goals, consider if there is a step in the process that you can sharpen and increase your goal success!

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Common Questions When Considering a Social Security Disability Attorney

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For those who have a case involving disability, it may become necessary to hire a Social Security disability attorney. There are a variety of benefits that come with utilizing legal assistance in these cases, and the fees are fairly reasonable. In fact, many lawyers will not charge if a case is lost. Clients and potential clients often have many questions when it comes to hiring a lawyer.

When Is a Social Security Disability Attorney Necessary?

One of the most common reasons for hiring a lawyer for these instances is to improve the likelihood of receiving approval for benefits. While some people are able to have a positive outcome without assistance, those with legal counsel almost always have a better chance of winning a disability case than those who do not.

While these attorneys are most commonly sought out after an initial denial, they can be very helpful at the application stage. In fact, their knowledge and expertise during the application stage may often result in an approval in one application period. On the application, the Social Security disability attorney can help argue that an individual’s condition meets the required list of impairments or provide advice on an alleged onset date of disability. During hearings or appeals, he or she can assist in collecting relevant medical evidence, such as doctor’s opinions, and preparations for any questions that may come from the judge. They can also assist with finding individuals to testify on behalf of the client.

When Should a Lawyer Be Called?

A Social Security disability attorney can be called at any point during the process, but it is best to call one as early on as possible. For those who may be on the fence on whether or not legal counsel is necessary, it is often beneficial to call, as many will provide a free consultation. He or she will be able to examine a case to determine the strength of the case and provide assistance with the application.

Another consideration to think about is final attorney fees. Those who are approved for benefits at the first try will owe smaller fees since there will be no back benefits owed to the client once the benefits are finally approved.

Hiring an attorney after an initial denial can greatly increase the chance of a positive outcome on the second application, and it is also possible to have the case moved through the process more quickly. This is often the case for terminal medical conditions or for extremely dire financial circumstances. However, this tends to be rare, as many must wait for several months before a case is resolved.

For those who are still on the fence about hiring a Social Security disability attorney, there is an instance in which it may not be helpful. For those who have submitted an initial application and are awaiting word, there is no need to get a lawyer yet as there is no point in paying a commission of past-due benefits unless there is a denial in coverage. However, in many other situations, having representation can be incredibly helpful.

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How Much Does Dry Ice Blasting Cost?

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There are some things better left to the ‘professionals,’ am I right?

  • Brain Surgery
  • Bomb Squad
  • Law Enforcement
  • Fire Fighting
  • Assaulting the Bin Laden Compound…

You get the picture…

When you call in the ‘Pro’s’ things just tend to get ‘taken care of’ in a way that you and I just couldn’t ever seem to pull together.

Sure things get done; and they get done properly, safely and with the utmost care…

But What’s This Gonna Cost Me?

The costs of contract cleaning is sometimes hard to predict. But any true professional should be able to give you an honest and reliable estimate.

A Professional Estimate should include the following basic, minimum specifications:

  1. What does the proposal cover (i.e. what will be cleaned, specifically)?
  2. How is the work going to be completed (how many crew members, crews, how much equipment on site, who will be the responsible supervisor/contact person/contractor representative on site)?
  3. Unit pricing (how much am I paying per day, per section, per unit, per room, per square foot etc… )
  4. How much is the total job going to cost and what exactly am I getting for that dollar amount?
  5. What safety procedures are going to be followed and who is responsible for jobsite compliance?
  6. What is the time-line for completing the project?

Aside from price, items #2 and #6 on this list may possibly be the most important items for us to consider. Because, believe it or not -dry ice blasting is not that much different from other contracted services in that it is driven by hourly costs and considerations.

Of course, we are concerned with price and of course we are concerned with safety…

But if we’ve done our homework and chosen a competent, well-regarded and recommended professional contractor… those items are ‘in the bag’ and by the end of this article you’ll know exactly what to expect for those services.

What we really ought to be concerned with now is…

How is this job going to progress? What does it ‘look like’?

  • What’s the ‘Time-Line’ for completion?
  • Who we can rely on to pull the whole thing together?
  • Who is ultimately responsible for the schedule?
  • Who is ultimately responsible for the budget?

Which of course brings us back to the question:

How Much Does Dry Ice Blasting Cost?

Here is a ‘possible breakdown’ of professional blast cleaning costs in the Detroit, MI. Cleveland, OH. & Toledo, OH. market:

Dry Ice Blasting Team – $314.60 per hour

Includes all tools, equipment and consumable materials; a qualified staff trained in all dry ice blasting applications using all applicable OSHA safety precautions, personal protection equipment and procedures:

  • Supervisor $28.75/hr
  • Technician $25.75/hr
  • Labor (ea) $18.75/hr
  • Aero40-HP $30.00/hr
  • After-cooler $15.00/hr
  • 375 CFM/150PSI (min) Air Compressor $28.25/hr
  • Consumables $95.50/hr
  • Overhead @ 7% $36.30/hr
  • Profit @ 7% $36.30/hr

TOTAL Hourly Rate: $314.60/hr

*These cost estimates are based on prevailing wages, typical conditions and typical cleaning requirements. All projects are unique and require individual assessment and estimates.

Please contact us for a customized solution to your cleaning and dry ice blasting needs.

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When Did You Last Review Your Insurance Coverage?

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When is the last time you compared rates on your home and auto insurance policies? Unfortunately, policies held for a long period of time accompanying a stellar safety record don’t always translate into lower insurance rates. Even if you think you have a good rate, shopping around periodically is smart.

After receiving my April newsletter and attempting to follow my advice of maintaining an umbrella insurance policy, one of my readers contacted his insurer to add coverage. This reader was shocked when his insurer informed him that he didn’t qualify for an umbrella policy because he didn’t carry sufficient liability insurance on his auto policy. (Minimum auto liability insurance – frequently $500,000 – is required in order to purchase umbrella coverage.) Although this individual had owned his policy for eight years, he was unaware that the policy only provided $50,000 of liability coverage. This amount was clearly insufficient for an individual approaching and preparing for retirement.

In addition to realizing that he was severely underinsured, this individual discovered he was also paying excessive premiums. For only $50,000 of auto liability coverage, this person was paying $914 per year. Moreover, the individual realized he was paying $351 per year for the $350,000 of liability coverage the individual had on his condo.

Consequently, in total, this person was paying $1,265 per year for $50,000 of auto liability and $350,000 of home liability coverage.

This individual then spoke with an independent insurance agent to increase auto liability coverage to an amount that enabled him to obtain an umbrella policy. This was critical, as it dramatically decreased the individual’s liability exposure, a risk an individual with accumulated assets clearly shouldn’t have. Even better, the individual was able to obtain dramatically improved rates on his policies. For a total of $1,207 (less than he was previously paying!), the individual was able to secure $1,000,000 of auto liability coverage, $350,000 of home liability, and an additional $1,000,000 umbrella policy.

Clearly, it can be beneficial to occasionally review and compare rates on your insurance policies. People tend to believe that policies that have been owned for extended periods of time are efficiently priced, but it may be the opposite. If you haven’t verified that you are adequately insured and conducted a cost comparison recently, speak to an independent insurance agent and minimize your exposure with cost-effective policies.

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How to Avoid Self-Imposed Isolation When Mourning

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Are you shying away from your support system? Are you turning down invitations from friends or relatives to join them for dinner or a family barbeque? Are you choosing to walk alone instead of with your old walking buddies? If so, you are not merely isolating yourself from needed social contact when mourning, you are actually delaying the healing from your great loss.

The many studies on the subject of social interaction and its relationship to health and longevity have made it abundantly clear: your social circle plays a major role in mitigating stress and stimulating the healing process.

This does not mean that you shun all time to be alone. We need quiet time as much as interactive time. Solitude replenishes the inner life and allows us to balance the constant buzz and attention that often occurs when mourning a major loss.

However, it is important to understand that the love and support of friends and relatives can affect the way you feel about yourself at a time when sadness and depression often take a great toll on energy and your spirits. This is one of those times when mourning, that it is essential to do what you dislike doing, and get involved with others in a social setting. You may want to look at it as a diversion, a necessary diversion that is part of your grief work.

Diversions when mourning are essential in order to relieve the mind of constantly thinking about the loss. The grief process in itself is hard work and saps energy. It is perfectly normal to seek a time out away from the sadness and pain. In fact, it is important to schedule a time each day to give yourself special care and do something just for you–even if you don’t feel like it.

If you want to change your isolating behavior, start by changing your beliefs. Beliefs are the powerhouse for behaviors. Often our beliefs about grief and what we should do are picked up from poor grief models early in life. If, for example, you were taught to believe that the depth of your love for the deceased is expressed by how long you grieve, or that it is disrespectful to find a moment of enjoyment even while you are mourning, these beliefs will bring unnecessary suffering.

Carefully examine why you are isolating yourself and consider changing unhealthy beliefs. We all have them. In any event, make a commitment to yourself that you will speak to at least three people each day and accept invitations that will get you out of the house and interacting with others.

To summarize, uncover the hidden beliefs that are limiting your healthy grief work. Recognize the vast importance of the love being expressed to you by members of your support network. It will greatly assist you in gradually reinvesting your emotional energy in rewarding pursuits. Love will open your mind and heart to find meaning in your great loss and lead you to reinvesting in life.

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A Daily Reprieve – What Does it Mean to the Recovering Alcoholic?

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According to the Merriam Webster Dictionary, the word “reprieve” means:

1: to delay the punishment of (as a condemned prisoner)

2: to give relief or deliverance to for a time

“One day at a time” and “I don’t have to drink today” are popular sayings in Alcoholics Anonymous (AA). The Big Book of Alcoholics Anonymous (pg, 85) says “We are not cured of alcoholism. What we really have is a daily reprieve contingent on the maintenance of our spiritual condition.

Both dictionary definitions of reprieve can be applied to the alcoholic. When an alcoholic is actively drinking, he is the same as a condemned prisoner–condemned to a life of jails, institutions, or even death. When the alcoholic finally gets into recovery and learns that he doesn’t have to drink today, he is given a reprieve. The punishment to his body, to his self-esteem, and to his loved ones is delayed as long as the alcoholic stays sober. The recovering alcoholic is given relief or deliverance to for a time from the effects of his alcoholism.

Notice that the Big Book of AA places a contingency on the daily reprieve. For the recovering alcoholic to get a daily reprieve, he must first maintain his spiritual condition on a daily basis. This means that he must communicate with his Higher Power, or God, on a daily basis and ask for help to stay sober that day. The alcoholic must then allow his actions to be led by God and not indulge his self will.

As the daily reprieves add up, the recovering alcoholic will notice his mind becoming clearer, his health improving, his relationships getting better, and his self-esteem increasing. He will learn how to live life on life’s terms without alcohol–one day at a time.

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How Much Do You Have to Weigh to See Your 6-Pack?

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Most guys don’t realize how much weight they have to lose to see their full 6-pack abs. In many cases guys will sabotage their own weight loss efforts because they assume they will be able to see all of their abs at an unrealistically high body weight.

If you want to see your abs then your goal should be how you look in the mirror and not your body weight. If you thought you’d see your abs at 180 pounds, and you diet down to 180 pounds and you don’t’ see them…well that just means you have to diet down even lower to see them, plain and simple no magic trick to that.

The amount you weigh on a scale really doesn’t matter, it’s the look that matters. You probably have a good idea of exactly how you’d like your body to look but only a vague idea if at all of how much you should weigh at that look. But if you’ve never seen your full 6-pack before I’ll bet you’re assuming the weight is much higher than it really is.

In other words, there is a specific body weight you will weigh in order for you to have a full set of visible 6-pack abs. Then there is a slightly heavier body weight you will be when only 4 of your abs are visible, and then an even heavier weight when only 2 of your abs are visible etc. Most guys will assume a full six pack will be visible at the body weight that only shows 2 abs.

For some reason we all think we should be heavier than we really are.

The point is your weight has a specific look. You will look a certain way at 150 pounds, and that particular look and leanness is different from the look you have when you are at 160 pounds and then 170 pounds and so on. You cannot force your body to have the 150 pound look when it is 170 pounds.

In other words, if your full 6-pack is visible only when you are 150 pounds…then you cannot make it visible when you are 170 pounds. It doesn’t mean you can’t be 170 pounds, it just means you have to accept that you will not be as ripped at 170 as you are at 150. (This might sound very obvious but lots of guys make this assumption that they can be as lean as they want at any body weight).

Any bodybuilder who has done more than one show can tell you within a pound or two of exactly how much he will weigh when he has a fully defined 6-pack. He can also tell you when he is 5 pounds away and when he is 10 pounds away from a visible full 6-pack.

The only way he will know this is because he’s been there before and knows what he weighed the first time it happened. If he has gained 5 pounds of muscle since his last bodybuilding show, then he also knows that his 6-pack will be visible at a body weight 5 pounds higher than the last time it was visible. But he won’t know for sure until he diets down to a visible 6-pack again.

The point is there is no real way to know exactly how much you will weigh when your abs are fully visible until you can see them.

So how do you find out how much you need to weigh to see your abs?

Simple:

Step 1) Lose weight until you can see your full 6-pack

Step 2) Step on a scale

You can use calculators and estimators all day long, but the proof is in the mirror.

If you want to see your abs then forget about body weight and simply diet down until you can see them, you’ll most likely be lighter than you expect.

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Struggles of Parenting: Dealing With "Destructive" Behavior

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It’s human nature for children to misbehave once in a while. This attitude is a form of exploration in the unknown, to learn oneself and its’ environment. How so? From these actions come with consequences, and these consequences is another way of learning.

But there will be a distinction between normal and abnormal behavior. It’s just how fast you can perceive the signs and solve the issue. Below, we will discuss about:

  • the types of child behavior,
  • parenting styles and how it affects a child,
  • influence between nature and/or nurture, and
  • possibility of eliminating bad behavior.

What you need to know about child behavior

Why does my child behave “this way”? Is it just a phase or grave signs of abnormality? When will you know if it’s too much? These are a few questions parents bring up during a doctor’s visit.

First, you need to know the difference between normal and abnormal behavior. Children, especially toddlers, is in a stage of knowing what they like and dislike. This is where they show independence and the ability to express oneself through actions.

Coincidentally, toddlers don’t know how to control ones’ emotions. They’re still learning how to be empathetic and patient. Now, not all toddlers are the same, some can control their emotions early on but others need guidance from parents.

Abnormal behavior is when the attitude of your child is too much. Does he/she throw tantrums more than thrice a day? Or maybe, your child hits, bites, and screams at everyone regularly? There are some cases wherein your child doesn’t respond well to discipline.

In order to know when to tolerate a certain attitude, you need to be aware of three types of behavior:

1. Normative

This type of behavior is the norms or acceptable attitude in the society. It may include the ability for a child to clean up his/her toys, potty-training, making friends, and many more.

2. Occasional

It’s a behavior which is only acceptable during certain circumstances. Such as throwing tantrums during an uncomfortable event, not playing or eating while the child is sick, etc.

3. Destructive

A child’s attitude that is harmful for oneself and others. Includes hitting other children, acting out in public, screaming or cursing towards parents, etc.

Parent’s response elicits child’s reaction

Do you feel that your child doesn’t listen to you? Or reacts in a different way than you expected him/her to do? From the title itself, have you reflected on the kind of reaction you show to your child?

A child’s behavior is the reflection of the parent’s reaction. The type of parenting style you use may impact your child either positively or negatively. How so? Because the way you react is often copied by your child.

When a child witnesses how you talk to your husband/wife, your child behaves the same way. Are you in doubt?

Well, how about the type of food your child consumes. One parent eats everything while the other is a picky eater especially in vegetables. The child will soon think it’s fine not to eat the veggies because one parent doesn’t.

Now, how can you make your child love eating vegetables when he/she sees you’re not eating them? Isn’t it hypocrisy? When it comes to attitude, your reaction takes on a toll. Below are three types of responses:

1. Ignoring as a way of discipline

Parents believe that ignoring your child is the best form of parenting. In a way, it can be helpful but only on certain situations. Ignoring your child during his tantrums will send a message that you’re not tolerating his behavior, or you won’t “buy” it.

The wrong way of using this is when your toddler is aggressively pulling your hair or not sharing his toys. If you use this type of parenting style, your toddler will interpret that it’s alright to continue the action/ it’s not bad.

2. Active Control

Being too controlling may backfire. If you’re strict and scold your child every time he/she makes a mistake, they’ll be passive and will grow up a rebel. Yes, this may be good, temporarily, because your child will want to avoid any punishment.

But sooner or later, your child won’t follow your orders or will hide secrets from you. Strict parenting style can also develop a dependent child with low self-esteem.

3. Two-way negotiation

Keep in mind that your toddler is adjusting to a new phase, the phase of learning more of what he/she feels and wants. If your child misbehaves, you’d resort to talking it out saying, “No, that’s not the right way” instead of “NO! Go and have your time out now!”.

“Time out” is only necessary when your child repeated a certain misbehavior. So, as a way to avoid any repetition, you need to make sure to deliver the message that won’t make the child feel accused or scolded.

As parents, make sure to control your emotions and expressions so as not to impact your child’s attitude negatively.

Nature or Nurture: What is the most influential?

Many people debate on the influence of environment and genetics in an individual’s behavior. Nature, known as genetics, are seen as the reason why an individual reacts differently from others. While Nurture is also known as the environmental effects.

What do you believe in? Are behavior and/or attitude affected by what a person experiences in his/her day to day life? Or, the cause of it is through what he/she got from ones’ ancestors?

Nature

There are studies that measured the influence of both factors. One case is about twins who was separated as soon as they came out of their mother’s womb. Years later, they were reunited and there were a lot of similarities on the twin’s attitude.

Now, the environment they live in is different from each other. One went to a prestigious college with a room of her own while the other was left in foster care, sharing a room with 5 children and attending a public school. But why is there attitude alike?

It’s because of genetics. Genetics play a huge role on an individual’s well-being. Just like illnesses and physical attributes, attitude can be passed down.

Nurture

Meanwhile, when it comes down to environment you would have to consider several factors:

  • Interaction with different kinds of people,
  • Family circle, and
  • Type of place or home.

Culture is a perfect example of an environmental influence. Each group has different norms and beliefs, people follow these set of rules through observation. When a group of people looks up while walking, others will too, and that’s what we call bystander effect.

If a child was taught to clean up his/her room everyday, the kid will adapt it until he/she grow up. Instead of a child who wasn’t taught on cleaning.

Now, how can we relate this to a child’s destructive behavior? Don’t limit yourself on one side, make sure to study and find the possible causes of your toddler’s attitude.

Is it because you were too harsh while teaching your toddler (environment)? Or maybe, your child has some kind of disorder (genetics)?

Is it too late to fix bad behavior?

Studies have found that once an individual grows up into his/her 30s to 40s, it’ll be difficult to change ones’ behavior. It means it’s too late for them to revamp themselves because they got used to a certain pattern.

Cite for example a woman who’s an impulsive buyer, a way to “change” this is through limiting her choices. The truth is, she won’t be able to remove that behavior completely, what she did was divert her attention to something else. This is different in the case of toddlers.

Toddlers between 18 months to 3 years old is still “looking” for who they are. So, there may be cases when the child vents out of anger suddenly, or throws every toy he has.

As long as you don’t tolerate this kind of behavior, it won’t go on that way forever. Is it possible to fix this? Of course! How?

1. No to “shaming”

Embarrassing your child in front of friends and family is a form of shaming. Nowadays, some parents post their children’s “punishments” as a way of teaching them a lesson.

Shaming won’t do any good for your parent-child relationship, all it’ll do is create conflict.

2. Punishment isn’t the answer

Belts, clothes hangers, and sometimes a broom, is what some parents use to punish their child. Other forms of punishment is verbal from shouting while pointing a finger. Once a child witnesses a form of violence, they’ll do the same to something/someone else.

3. Step in your child’s shoes

Before you shout or do something rash, step into your child’s shoes and look at their perspective. What will they feel once they see you react a certain way? People say children will repeat the same behavior when you accuse/correct too much.

The best way is to teach your child on how to behave through being a good example. It starts from you, you define your child’s behavior.

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Fishing Season: Spring. What Do We Need?

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Early spring. I consider this period to be the most difficult for searching and catching fish. On large rivers, ice has already come down, but the water is rather cold, due to the melting of snow and ice in the bays and the introduction of “harsh” water into the riverbeds. Fish at this time is inactive.

It is not difficult to determine this period. Snow has already fallen, but nature has not yet awakened. The rivers have a dull gray appearance, and the banks, bristling with bare branches of bushes and trees, do not add optimism to the first fishermen already sitting near the spring water.

But is everything so hopeless? No, you can fish at this time. Let us together define those terms that will not allow you to go home without a catch at this time.

I will tell you in the example of a river near which I live and most often fish. I will clarify all the necessary nuances.

Choose a place for fishing

The floodplain of my river is such that on the left, more shallow and shallow shore, the water vegetation is located from the water’s edge at a distance of 12-15 meters. The depth at such a distance is insignificant. The right bank is more precipitous and thickets of aquatic vegetation begin in 3-5 meters. It is much deeper here. Which shore to choose?

It should be borne in mind that during the period of increased solar activity, water is stratified by temperature. Warmer water is found on the shallow bays of the northern shore. So, the left bank, which is shallower, and therefore warmer, with aquatic vegetation far from the water’s edge at shallow depths, which also creates a sense of security for the fish (given the transparency of the water) is more preferable. If you add to the above-mentioned the presence of warm sewage in a place, then, most likely, this will be the place to which you, first of all, should pay attention. Although, of course, this is just a general discussion. So to speak, the guide to action. I think that practically all anglers in their regions know well the places where the season is best from year to year. Do not philosophize, rape them first!

A way of fishing

The feeder, I believe, is just the same tackle that will not allow the early spring to leave the river empty. And here it is appropriate to say a few words about the minimum necessary equipment. And in the feeder, it is, above all, a rod that has certain qualities. Personally, I use the rod “Pride” from TM “Flagman”. This heavy-duty feeder with a length of 3.6 meters allows you to drop feeders weighing up to 125 grams. The rod is light and reliable, it is equipped with three changeable tops and different rigidity and satisfies all conditions of catching – from standing water to a strong current, and provides excellent visual control. After all, the process of catching involves the need to track the most delicate “early spring” bites of inactive fish. Knowing that not everyone can afford such luxury as a branded feeder rod, I want to say that you can catch any cheap spinning or fishing rod.

Since we catch in shallow water near the coast, a monolayer with a breaking load of three kilograms (I use Salmo Evolution with a diameter of 0.17) is quite suitable. You should not put thicker. With the help of this line, I made long enough casts and dug solid fish at “loading” from the eighty-gram feeder, without using any shock-leader! For those who can afford it, try to catch with a cord. I now switched to the “Fireline” from Berkley and I can say that for catching a feeder in some cases this is the best option. The braids are strong and strong, and thin at the same time, and most importantly they have a quality that is of paramount importance for this kind of catching – they are super sensitive!

Hooks for feeder

I use hooks from Gamakatsu No. 16 of the F-21 series. Very thin, strong, allowing to hold a large fish. In addition, they are perfectly suited for the attachment of bloodworms, which is the bait number one in the described period.

Feeders

Open type. I use the type of feeder, the lower part of which is two lead “skis”, connected together by a wire mesh. The top is a cylindrical grid. When lifting this feeder from the bottom, the lead “skis” play the role of underwater wings, and the net between them plays the role of a stabilizer, which makes it easy to tear the feeder from the bottom and deliver it to the shore. The trough is tied to the main line. Above a distance of 10-12 cm knit a loop, to which the way “loop in the loop” attach the leash. The use of side branches or triple swivels is considered to be unjustified in clear water.

Note: for a more convenient definition fish flocks, I recommend that you use a fishfinder that will greatly speed up your fishing process. Read more: how to read a fishfinder

Leap for feeder

A separate topic for conversation. In the period of clear water, I mainly use fluorocarbon. The material itself I would not call transparent, but in water, it becomes almost invisible. I use the Vanish transition from Berkley for leashes. The diameter is not so important because of the invisibility of this line. When fishing with a braid, I use leashes with a diameter of 0.18 mm and a breaking load of 2.9 kg. The line of this diameter is less confused and twisted by the flow of water. Hook one!

The length of the leash is 50-80 cm. The stronger the current, the longer the leash should be. On a leash, I put a pellet with a weight of 0.3-0.5 gr., Which can be moved. For what I will explain below.

Bait for the feeder

Considering that for ten March days spent on the river with the feeder, I did not see a bite on the worm, spells, etc. – my only bait of this period is the bloodworm in its pure form, without any sandwiches.

First, we put on the hook a small foam plastic ball of white color, then two or three bloodworms, planting them with rings (that is, piercing the body below the head and at the tail). I hide the sting in the tail of the last bloodworm. The foam ball located on the hook raises in the standing water a hook with a nozzle on the height, which is limited to a pellet on a leash and allows you to catch different layers of water. On the current, the pellet restricts the free oscillation of the leash.

I cannot say anything specific about why a styrofoam attracts fish so much. I know one thing: a scarlet bloodworm on a white background of a ball becomes such a bright target, from which neither the roach nor the chub does not refuse in the spring (these fish often give the main weight in my catch). In addition, playing a certain depth of bait on an invisible leash leave indifferent no fish, seeing the bait from a fairly long distance. The method of nozzle packing is dictated by the presence of a large amount of fry, which, with the traditional method of planting this delicate bait, pulls the tail of the larvae, thereby causing the top of the feeder to register false bites. This leads to an unreasonable lifting of the tackle from the bottom and a reduction in the net fishing

«Feeding for the feeder»

As a basis, I use a winter bait with Betaine, which works well in our region. The composition is as follows:

1) The basis is 500 g;

2) Milk powder – 1/2 cup;

3) Cinnamon – 1 teaspoon;

4) Cocoa – 1 tablespoon;

5) Ground dog food with the smell of liver – 1 glass;

6) As a binder – ground oat flakes;

7) Ripper is sand, in case you are too flaxy, and water overdo.

An important note: about the consistency of the composition: the bait should be washed out of the trough during the first ten minutes. To determine the interval of “release” of the feeder from the feed mix after the first cast, I lift the feeder upward after 3-4 minutes, regardless of whether the bite was or was not. According to the state and amount of bait left in the bird feeder, you can determine whether the composition is loose enough or vice versa, and add a ripper or binder to it, respectively. The use of the popular “bread + macula” type in cold water does not give any decent result, especially when the consistency resembles a window putty.

Now that we are prepared for fishing, we only have to drop the tackle accordingly, getting to the same chosen place. Now it is not difficult, because long casts are not needed. If you do not trust your eye, use an additional rod equipped with a marker. Having installed it on the surface of the water, you will always have a reliable landmark… Using these simple techniques and gear will allow you with honor to get out of the unspoken competition with fellow fishermen surrounding themselves with a palisade of ordinary donkeys. You will only have one feeder! That’s why, having nothing against ordinary spinning donkeys, I prefer a more delicate gear.

Try it, maybe you’ll like it!

So, based on the above, the set for spring catching on the feeder looks like this:

– a rod of a heavy class, with a test within 125-150 gr;

– coil EU 3500-4000 from the “Line Winder”;

– a braid with a breaking load of 7 kg of circular cross-section or a special line for feeder fishing, such as “Albacore” or the like, with a diameter of 0.17-0.12 mm.

I wish good luck in the new fishing season to the entire “brotherhood”!

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