Shopping can be a pleasure or a chore. However you look at it, use these five tips to be an effective and organized
shopper.

1. Dress well. In order to spend less and buy wisely, dress up in comfortable clothes. It's the same concept as going to the grocery store on a full stomach.

2. Shop with a plan. Know exactly what you need and how much you can spend. Write it down. Create a budget.

3. Keep an ongoing list of needs in your closet. As you dress each morning, make notes of specific items you need to complete outfits such as a wider, brown belt or a white tee with a v-neck.

4. Before you make a purchase ask yourself, "Does this match my wardrobe in terms of color, style and price?
Is this on my needs list? How versatile is this item? How many ways can I wear it?"

5. Shop first at high-end mass merchants, outlet malls, and off-price stores for basics such as tees, shirts and pants. You'll then have more money for seasonal updates such as jackets or accessories.
 

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Tip 1 - Pick your time. If you can possibly help it, don't sell your car after Christmas, when no one has any money. Consider holiday periods: will the people be in town or away. Sometimes this can work in your favour because if people are not at work they have more time to look for cars, and they are usually cashed up with nothing to do.

On the reverse side, when buyers are busy working, they don't have the time to do a lot of car shopping, which can make negotiating easier.

Additionally for this reason, if you get a buyer to come on a week-night, it is unlikely he can compare yours to other cars - which can sometimes work in your favour.

Tip 2 - First Impressions are everything Just like you are going on a date - first impressions are everything. Get all the rubbish and junk out of it. Deodorize it. Wash it, clean it.

Tip 3 - As the good boy scout says. Be prepared. Get your paperwork in order. Find the spare keys. You don't want to be rushing around at the last minute, just when the buyer is ready to go for it. You can't find something. He may just say, he'll get back to you. Believe me, it happens. So get organized before hand and you'll have a much smoother run of it.

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It seems that the longer you own your computer, the slower it gets! A lot of people will keep their computer until it gets so slow that they feel they need a newer, faster model. Some feel like the reason it is getting slower is because it is getting older, when that is just not the case. Your computer should run just as fast as the day you brought it home – if you follow these 10 Easy Steps to Speed Up Your Computer.

1. Empty the Temp directory regularly. After a short while, the temp directory fills up with hundreds of temp files that always get scanned over when Windows starts up and when programs launch. This slows everything down immensely.

Rule of thumb for Temp Files: If you don’t have any programs open (and nothing minimized in the bar below), then you shouldn’t have ANY temp files in your temp directory. If you do, delete them.

To delete Temp files, make sure NO programs are open, and…

a. In Windows 95, 98 or Me, go to C:WindowsTemp and delete everything inside the Temp folder.

b. In Windows 2000 or XP, it is a little trickier. First, make sure that you can see hidden folders. Double-click My Computer. Click on the Tools pull-down menu, and then on Folder Options. Click on the View tab. Scroll down and click on Show Hidden Files and Folders. Click Ok. Now you can go to the C:Documents and SettingsAdministratorLocal SettingsTemp folder. Delete everything here.

2. Empty the Temporary Internet Files regularly. To empty Temporary Internet Files, go to your Control Panel and double-click the Internet Options icon. Choose to Delete Cookies, and to Delete Files. This will clear all of your Temporary Internet Files.

3. Check your hard disks for problems.

a. For Windows 95, 98, or Me, double-click My Computer. Right-click the C-drive and click on Properties. Click on the Tools tab and choose to check the computer for problems. If you choose to do a Thorough Scan, this will do the hardware check for physical disk damage or sector damage. Choose to fix any errors it finds.

b. For Windows 2000 and XP, double-click My Computer. Right-click the C-drive and click Properties. Click on the Tools tab and choose to check the computer for problems. Click on Check Now. You will then have two check boxes. The top option is for the file check, and the second option is for the hardware (physical disk) check. Check either one, or both. At least check the top one. Hit ok, and reboot. This may take some time, but let it run.

4. An even more thorough disk check, would be to use a 3rd party utility. One of my favorites is TuneUp Utilities 2004. It does cost $39.99, but they do offer a FREE download trial of 15 days. This program does a really good job of fixing software and physical hard drive problems. It also tunes up your system for increased speed, and streamlines your operating system for peak performance. Download it HERE... http://www.lapeertechgroup.com/downloads.asp

5. Or, you can do a few of the performance tweaks yourself, if you have Windows XP. By default, EVERYTHING is turned on in Windows XP. It isn’t very streamlined for performance, but rather for appearance. You can turn off a few of the unnecessary features, and Windows will still work just fine, and maybe a little faster.

To do this, right-click on My Computer and click on Properties. Click on the Advanced tab. Under the Performance section, click on the Settings button. On the Visual Effects tab, you will see a list of check boxes. By default, these are all on. You really don’t need any of them for Windows to run. Go through the check boxes one by one, and determine which ones you can and can’t live without.

6. Turn off Active Desktop. Active Desktop turns your desktop into a web page, and allows you to have things like a real-time calendar, and up-to-the-minute weather or stocks. These are nice, but really slow down your computer. And even if you don’t use Active Desktop for anything, just having it active can cause a performance decrease. Turn it off.

a. In Windows 95, 98 and Me, right-click on the desktop and in the pop-up menu, choose Active Desktop. Inside that option, uncheck Active Desktop. If there is no check next to it, then it isn’t on. Don’t choose it. Instead, just click the desktop again to get out of the menu.

b. In Windows 2000, right-click on the desktop and in the pop-up menu, choose Active Desktop. Inside that option, uncheck Show Web Content. Again, if there is no check next to it, then it is not on. Do not check it.

c. In Windows XP, right-click on the desktop and in the pop-up menu, choose Properties. On the Desktop tab, choose Customize Desktop. Now, on the Web tab, make sure that there are no websites chosen here. If there aren’t any, then Active Desktop is not on. Cancel and go back to the desktop.

7. Install and run a good AntiVirus program to keep out viruses that can take over your system. One of my favorites is AVG. It is not only a really good AntiVirus program, but it is also FREE! If you don’t have any AntiVirus software on your computer, get AVG AntiVirus NOW by downloading HERE... http://www.lapeertechgroup.com/downloads.asp

8. Get rid of Spyware. A lot of computer users have Spyware and don’t even know they have it, much less how to get rid of it. If your computer has been taking you to websites that you don’t want to go to, or if you get pop-ups when you aren’t even on the Internet, or if your computer has been running extremely slowly lately, for no reason, you probably have Spyware.

On all of the computers that I setup, I install two different AntiSpyware programs: AdAware SE and SpyBot. These two programs are highly recommended by TechTV (G4) and other computer authorities (including my own research on Spyware) and work very well together. They compliment each other and catch Spyware that the other misses, but together, do a very good job.

Get SpyBot HERE... http://www.lapeertechgroup.com/downloads.asp. Download all updates and run the Immunize option a couple of times.

AdAware SE does a good job when you keep up on the updates and manually scan your system with AdAware. Get it HERE... http://www.lapeertechgroup.com/downloads.asp

In some cases, when the Spyware has become too entwined into your system, even a computer repair technician can’t get rid of the Spyware. At this point, it is better to just backup only what you need and have the operating system reinstalled. Believe me, when your computer gets to this point, you don’t want to just put a “band-aid” on it. Just start from scratch with a clean system. It’s the best way to go.

9. Streamline MSCONFIG. One thing that really causes a HUGE performance decrease is to have unnecessary programs running in the background. Some of these programs can be seen in your System Tray (located next to the clock). These are tiny programs that are robbing you of memory and processing power. Some of them you need, while most you don’t. Some of the programs you DON’T need are printer icons, CD burning icons, shortcuts to programs (such as video settings), AOL, any Instant Messaging Programs, etc. Just because these programs aren’t always running, doesn’t mean that you still can’t print, burn CDs or Instant Message. They can all be run from a shortcut.

You can use a utility, called MSCONFIG, to turn OFF unnecessary Start Up items.

a. In Windows 98, Me, and XP, click on StartRun and type msconfig. Click on the Startup tab. This is a list of everything that is running in the background, some of which show up in the System Tray. Now, be careful, some of these you do need. Some items to keep are Ctfmon.exe (XP), Scan Registry (Win98, Me), Task Monitor (Win98, Me), System Tray (Win98, Me), LoadPowerProfile (Win98, Me), Rundll.32, any AntiVirus programs (such as McAfee, Norton, or AVG). Others, you can uncheck, such as NeroCheck, ypager, qttask, AOL, and any other Instant Messaging programs, or printing programs. Remember, if something doesn’t work, because you turned it off, it can always be turned back on. You just have to reboot every time you make a change here. But, as you uncheck the unnecessary programs that run in the background, you will see that Windows loads much faster, that there are less icons in the System Tray, and that your system is much more “snappy” and quick to respond.

b. In Windows 2000, MSCONFIG wasn’t supplied. You actually have to download and run an MSCONFIG utility. Download the MSCONFIG utility HERE... http://www.perfectdrivers.com/howto/msconfig.html.

After you reboot, you will have a window that says that the configuration utility was edited. Just check not to show that in the future, a check box at the bottom. This just means that there was a change made to the MSCONFIG.

10. Defragment your hard drives. NOTE: to efficiently defragment a hard drive, it likes to have 25% free space. It can still do the defragmentation with only 15% free space, but it takes quite a bit longer. If you can, delete any unnecessary files before defragmenting your drives.

To defragment your hard drives (in any Windows operating system), double-click on My Computer. Right-click on the c-drive and click on Properties. Click on the Tools tab and choose the bottom button, to Defragment Now…


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Spyware, viruses and worms... oh my!

If you are connected to the internet, you need to make sure you get your computer set up properly if you want to avoid problems down the road. With all the viruses, spyware and other threats on the internet today, no computer should be set up without the proper protection. And that protection needs to be in place as soon after you hook up your new machine as possible.

The following five steps will make your computer a much harder target for threats. You still won't be completely immune to problems, but 99% of the time the threat will pass you by, looking for the easy mark.

1. Running a Personal Firewall

A personal firewall is software that basically makes your computer invisible to hackers, worms and other threats that can infect your computer over the internet.

Setting up a firewall is the absolute first thing you should do if you're going to connect to the internet. Without a firewall, your computer could get infected in as little as one minute after connecting.

If you have a brand new computer running Windows XP Service Pack 2, there is a firewall built into Windows. It will already have been turned on when you first set up your computer.

If you're running an older version of Windows, even an earlier version of Windows XP, there is no firewall automatically set up for you. In this case there are two possibilities:

- Your computer came pre-loaded with a firewall such as Norton Internet Security or McAfee Internet Security
- You have no firewall installed and should download one ASAP.

If you don't have any personal firewall software installed, you should do so right away. Zone Alarm is a very good firewall program that has a version that you can download and install for free.

You can download the free version of Zone Alarm from http://www.computer-help-squad.com/zonealarm

2. Turn on Windows Updates

Again, if you're running Windows XP Service Pack 2 this is already set up, but otherwise you should turn on Windows Updates. Microsoft releases updates for security problems and other bugs in Windows on a regular basis.

These updates will keep your computer running better, and they often fix security issues that could compromise your information or privacy.

If you are running Windows XP Service Pack 2, you can double-check that automatic updates are turned on by clicking Start, then click Control Panel, then double-click Security Center. The window that opens will tell you if automatic updates are turned on, and lets you turn them on if they're not.

To turn on automatic updates in earlier versions of Windows XP, click on the Start menu, click Control Panel and then double-click on System. On the "Automatic Updates" tab, click the option to "Automatically download the updates and install them on the schedule I specify."

To turn them on in Windows 2000, click on Start, click Control Panel and then double-click on Automatic Updates. Again, click the option to "automatically download the updates and install them on the schedule I specify."

Now when Microsoft releases updates, they will be downloaded for you automatically and Windows will tell you when they are ready to be installed.

3. Install & Update Anti-virus Software

Most new computers come with anti-virus software these days. You might have Norton, McAfee, PC-Cillin or another brand. No matter what program you have, you will need to update it when you get connected to the internet.

It doesn't matter how new your computer is - there will be new viruses, and new updates for the antivirus software, since it was loaded.

The exact process is different for each brand of antivirus program, but most of them will have an icon in the bottom right corner of your desktop, beside the time. The icon might be a picture of a shield (McAfee), a stethoscope (Norton) or something else.

In most cases, if you point to the icon for your antivirus and click the right mouse button, a menu will pop up with an update option. It could be simply called update or could be something like Live Update or Download Latest Updates. If you click on the update option (with the left button this time) it will install the newest updates for you.

If you're not sure which icon is for your antivirus software, just point to each one for a few seconds and a little title should pop up telling you what it is.

4. Install Anti-Spyware Software

Spyware - and other things known as adware and malware - is becoming as big a problem as viruses. Spyware programs can cause a lot of problems with your computer, not to mention they can track your personal information and you never know where it's being sent.

Some new computers might includes antispyware software, but most of them don't yet. There are quite a few anti-spyware programs available, some free and some not. The one I recommend is from Microsoft and is one of the free ones.

One of the reasons I like it is because it always runs in the background and will automatically catch a lot of spyware before it gets on your computer.

Many of the other programs don't catch it until you run a scan. Not only does this allow things to get on your computer, it also means you have to actually remember to run a scan.

You can download the free Microsoft Antispyware from http://www.computer-help-squad.com/antispyware

5. Set up a Free Email Account

This last item is not as critical as the first four, but I would highly recommend you set up an email account with one of the free services like Hotmail or Gmail.

Once you're on the internet, you'll find a lot of useful information that you want that requires you to provide an email address. In some cases, these people will end up sending you a bunch of spam.

If you use a free email account to sign up for anything that you don't know for sure you can trust, it's not going to fill your main email with a bunch of junk.

This goes for anything really, not just online information. If you're entering a contest or signing up for anything offline and you don't know where your information could end up being used, I would suggest using your free email address.

If worse comes to worse, and your free email address gets inundated with spam, you can always just set up a new one and let the old one expire.

Some of the better free email services are www.hotmail.com, www.gmail.com and www.yahoomail.com.

If you've had your computer for a while and never done any of these things, you should still take these steps to get it set up properly. It will definitely save you a lot of time - and possibly money - as you use your system.

If you're a road warrior, these travel tips will help reduce the stress of your journeys.

1. Choose your Travel Modality Wisely Planes, trains or automobiles: what's the choice to be? While air travel is clearly the only way to go for long journeys, shorter trips of a couple of hundred miles might be faster via train, bus or auto.
When making your decision, consider time spent traveling to and from airports, plus time spent lining up for check in, security and departure. Also consider the effects inclement weather can have on your travel choice. It's no fun hearing the announcement that your plane can't land due to poor visibility and you'll be returning to your departure airport.

2. Consider Alternative Airports
If you're flying, consider alternative airports that are outside the city you're going to visit. As a rule, these airports have fewer flights, less overbooking and less delays than their larger counterparts.

3. Obtain an International Drivers License
If traveling outside your own country, an international driver's license will be more readily recognized than your locally issued driver's license. The cost is not prohibitive and in most regions, the licenses are easily obtained by showing your local driver's license. Inquire at your local Automobile Association.

4. Get Your Maps Before You Leave Home
Travel is less stressful if you know how to get around. Before leaving home, obtain maps of your destination city. One approach is to visit web sites such as City Search (http://www.citysearch.com/) and print out maps. Place your printed maps in plastic folders for protection against the elements. Trying to read a road map while
standing on a rainy street corner has its obvious disadvantages.

5. Carry Electronic Documents Rather than Hard Copy
Rather than carry heavy stacks of brochures or sales letters, take electronic documents on diskettes and have them printed at a local printing service. Similarly, if you are working a booth in a trade show, it's a good idea to carry electronic documents in case you run out of the stack you shipped from the office.

6. Find Hotels that Cater to Business Travelers
Hotels that cater to business travelers will have Internet capabilities and offer access to business machines such as faxes and photocopiers.

7. Remember Adaptors and Converters
If you're traveling to a foreign country, remember that you might need special voltage adaptors for electricity. You might also need plug adapters to accommodate both electrical plugs and telephone jacks. A good travel store will be able to help you decide what's needed.

8. Use Calling Cards
When you're staying at a hotel, the phone bill can be a major expense. The cost of calling your family,  checking your voice mail and checking your email is best handled by using a telephone calling card or a corporate credit card.

9. Check your Cellular Service
Cellular phone companies regularly offer new rates. Check to be sure you're getting the best deal -- some now include long distance charges in the monthly fee. If your business travel will take you to small, out-of-the way towns, your digital phone might not work. You will need an analog or dual digital/anlog phone for such trips.

10. Protect Yourself Against Theft
Before leaving home, make copies of your travel documents (passport, airline tickets, travel insurance, credit cards and itinerary).

Take copies with you and leave a copy with a contact at home. Take special precautions for your electronics. See what your local travel store has to offer in terms of protective luggage. You can purchase laptop cases that disguise the fact that they're used for laptops, or laptop cases that look old and battered. And of course, you already know how fast and savvy a pickpocket can be. Avoid carrying important documents in your purse or hip pocket.

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