Make Extra Spending Money in time For Holiday Shopping

With the holidays just a few short months away, now is the time to try to get extra cash to spend on your friends, family and maybe even youself. You'll hear all over the news to try and NOT use your credit cards, as interest rates will kill you later. It can be so hard to decide how much to spend on people, and what you can afford without going broke doing it. So what can you do, in order to make that extra money you may need for the holidays? Follow our tips below to help you find that "hidden" cash that you can use now to make your holidays merry and bright.

1. Clean out your house - Look around your house/garage. Do you have anything you don't use anymore, doesn't fit, given as a gift but you didn't want it to begin with? Sell it on eBay. Take your item, do a search on eBay and see what similiar items are going for now. You can do a short 3 day sale, or a 7 day sale, depending on how quickly you need the cash. Take good quality digital photos of your item, and make sure your description covers everything. If your items are quite large, and too expensive to ship, offer a "pick up only" option, to lure those in your area to bid on your item. Be realistic about the price as well. If you start the bid too high, you may end up getting no bids at all. Many times a lower starting bid will start a bidding war in the end between people who have gotten the "auction itch" and now want your item regardless of the price. When I sell on eBay, I prefer buyers who either send me a money order, or PayPal only. It gives you better options in the end.

2. Organize a neighborhood yard sale - Get you and your neighbors together to have a commuinty yard sale. Advertise in the paper for either free, or cheaply, and then more people are likley to come if they see that there are multiple families participating as compared to just one. Make it worth their while. Have coffee and donuts available for the early birds. If they want to talk you down, bargain with them. Remember - you are trying to make extra cash so every little bit counts.

3. Cut out buying coffee/lunch for a month - If you like to have that $4.00 cafe latte every morning, and lunch at the local spot, try bringing it from home for a month, and see how much you can save. Put the money you would've spent that week in a jar. By the end of the month you could have anywhere between $80 - 200 dollars at the end of the month, depending on how much you were spending.

4. Offer your services - If you bake well, or are crafty, tell your friends that you'll make those school cookies, or teacher's gifts for a nominal fee. Some parents may even like it if you delivered those items as well, which you could add to your cost.

5. Look in the paper for temp jobs - if you have the time, perhaps only on the weekend, see if local stores are offering seasonal jobs that would give you extra spending money. Even better would be an employee discount, where you could use your extra cash for gitf buying.

There are many other ways for you to come up with extra spending money for the holidays. Don't let the credit card companies lure you into thinking that you can spend up to your limit. You can easily and creatively have a great holiday season without breaking the bank. Good luck to you all!

S.W. Chadwick has been working in online businesses from home since 2000. She has written dozens of articles regarding entrepreneurial pursuits and online businesses. To learn more about working from home, please visit http://www.dowhatyouloveandmakemoney.com. Copyright 2006, S.W. Chadwick, All Rights Reserved

Finding The Right Math Tutor For Your Teen

Your teen is struggling in math class and you have decided that a tutor might help. How do you go about finding a good one? You want someone who relates well to your student, is knowledgeable, and is able to communicate effectively.

One possibility, and perhaps the most economical, would be a peer tutor. Someone in the same class who is doing well or someone who did well in the course a year or two earlier might be interested in doing one-on-one tutoring. If you choose to go this route, you might ask the teacher for names of capable students.

The high school counselors office is another good place to investigate possibilities. Many times they keep a list of available tutors in different subject areas. And if they dont have a list, many times they will lend assistance in trying to locate a suitable tutor.

A certified teacher or retired teacher can be an excellent choice for private tutoring. Many schools have rules that prohibit a classroom teacher from tutoring his/her own students for compensation, but another teacher in the school or a teacher in another district might be available. Many teachers welcome tutoring jobs as a means of supplementing their income. However, you should expect to pay more for a certified or more experienced person.

If your community has a local college, consider hiring a college student as a tutor. When I was teaching I often referred parents to the chairman of the math department of our nearby college. He always had a list of students that were interested in tutoring high school math students.

Talk to other parents of high school students. Word of mouth can be a wonderful source of information when seeking out the right tutor. That parent sitting next to you at the soccer game might just have found a gem of a tutor who is looking for more students.

You might also consider running an ad in your local newspaper to find a tutor. Of course you want to be sure to carefully screen applicants and ask for references.

Lastly, your teen might be a good candidate for on-line tutoring services. There are a multitude of those services available today and they are growing in popularity.

A word of caution about choosing a tutor for your teenteenagers are such individuals. What works for one student might not work for another at all. Some relate better to a peer tutor, while another might be more comfortable with a college student. Be sure that your teenager is an integral part of the process of finding just the right math tutor. This will help insure that you (and your student) reap maximum benefits from the tutoring experience.

Linda Hinkle is an educator, having taught high school mathematics for 29 years. She wishes to help empower parents of high school students struggling with mathematics. Find more information about high school topics and sign up for her free newsletter at http://www.highschoolstuff.com.

Toy and Small Dog Clothes

People wear clothes for many reasons. We wear them for modesty - it's illegal in most places to go around without any clothing. We wear clothes to protect us from the weather. Raincoats and hats make us much more comfortable in the rain while fleece lined coats and boots are greatly appreciated in cold weather, and when there is snow on the ground. We also wear clothes to make ourselves feel and look good, to impress other people with our excellent taste, and to show that we have the money for expensive designer clothes.

Dogs wear clothes for one reason only - their owners want them to wear the clothes. Dog owners put clothes on their dogs for most of the same reasons they put clothes on themselves and their children. In fact many dog owners regard their dogs as their children and they buy them clothes and dress them up to show how much they care for them. The exception to this, of course, is modesty. Dogs don't require clothing for that purpose and, in fact for obvious reasons, dog clothes rarely cover that particular area.

Protective clothing for small and toy dogs such as Boston Terriers, Chihuahuas, Yorkies, Maltese, Pugs and any of the miniature or teacup dog breeds is a good idea. These dogs generally feel the cold much more than larger dogs - that's why they do not enjoy going outside for walks with their owners in rainy, snowy or cold weather. They even resist going outside to the bathroom in inclement weather which makes it very difficult to house train toy dog breeds in cold or wet weather.

Raincoats and hats made of vinyl or waterproof nylon are available for wet weather, as are rain boots. These boots are usually fastened with Velcro and/or zippers. Fleece lined, shearling and wool coats are available to keep your dog warm in cold weather. Boots are useful to protect your dog's paws from the effects of ice and salt. For hot summer days, sensitive paws should wear sandals to protect them from hot asphalt or sand. You can also buy sunglasses for your dog but perhaps you could discuss this with your veterinarian to see if they provide any benefit to your dog's eyes. Protective clothing is also beneficial to short-haired and older dogs of all sizes as well as the small dog breeds. Even some of the larger short-haired dog breeds like the Bulldog, Boxer and Greyhound appreciate protection in the cold weather. See the Directory of Breed of Dogs to see which dog breeds are particularly sensitive to cold weather. Owners of most large dog breeds are probably not as interested in dog clothes but might consider obtaining reflective vests for their dogs. These vests make the dogs easier to see when walking at night and also make the dog easier to find if you are camping and hunting - especially good for black or dark-colored dogs.

Reflective vests have a practical purpose. So do some much more frivolous-looking clothes. Toy dogs and even some small dogs should wear harnesses rather than collars for reasons of health - they can easily injure their trachea with a collar. Some very sensible people have designed coats and other outfits with a 'D' ring on them which make extremely attractive harnesses for small dogs. Practical, attractive, and sometimes quite lavish clothes are available for toy and small dogs. Pajamas, bathrobes, dresses, sweaters, formal outfits for weddings, and costumes (you can dress your dog as a lamb, a lion, a vampire or even buy him an Elvis jumpsuit) can be found in stores and at discount prices on the Internet. Creative entrepreneurs advertise on-line that they will custom design and make outfits for your dog. Of course, if you like to sew, you can buy sewing patterns to make a blanket, cushion, dog coat, dog coat, leg warmers and boots for your dog and a matching scarf and hat for you to wear.

Dog clothes come in an amazing range of styles and prices. We hope you have fun choosing the right clothes for your dog.

Mike Mathews is a contributing writer and editor for the popular dog breed site: http://www.dog-breed-facts.com. He provides informative, real-world advice and tips on dog breeds, dog health, dog grooming and more. As well be sure to check out his free report on Dog Training.