6 Ways to Sell Your Stuff Online

So eBay's in trouble, and whether or not the auction format was indeed a fad, you may feel the inclination to find a new place to sell your stuff. Online sellers are increasingly finding the web to be a more competitive market, and with management and rules changes at eBay, many are in search of a new home as well. Where are they going? And where can you go as a buyer to find alternatives to the online auction format that has been so dominant the past ten years? Below are six options.

Fixed Price Marketplaces

One thing many sellers are doing, is sticking with eBay. Rather than change horses mid-stream, some sellers are transitioning their auction businesses to the fixed-price model that is now favored by the ecommerce giant. Others are listing their wares at eBay's cross-town (on the web, anyway) rival Amazon.

Online Craft Fairs

New York based Etsy is part of a new breed of online marketplace startups targeted specifically at the needs of independent artists and crafts makers. With more and more people pledging to buy handmade goods, marketplaces like Etsy are taking center stage and becoming important hubs for small merchants. We've even wondered if Etsy might be the next eBay. Be sure to check our lists of Etsy alternatives here and here, as well.

Classifieds

Craigslist has been accused by some of single handedly sinking the entire newspaper business by doing for classifieds what eBay did for auctions in the 90s -- putting them online and making them dead simple and accessible. Craigslist started as a local events email list for San Francisco in 1995 and has grown to an online classifieds powerhouse serving more than 500 cities in over 50 countries across the world. 40 million people visit Craigslist each month, generating more than 10 billion page views, according to the company. It's no wonder that an ad on Craigslist is an extremely effective way to generate sales, especially in large local markets.

Online Informercial

If you're like me -- and that would be a bummer for you -- you're often awake at 4am. If you happen to flick on the TV, you'll quickly notice that in the wee hours of morning, the airwaves are dominated by a certain variety of program: infomercials. Most of the time, it's hard to wonder how anyone could be suckered into ordering stuff peddled by late night hucksters. But infomercials have inundated the television airwaves since the 1970s, so they must work. Could they also work on the Internet? One company thinks so. Talk Market lets anyone host their own video sales channel on the web. Amazon thinks enough of the idea to have invested in it.

Social Networks

Yes, it doesn't seem that any of the big social networks have yet figured out how to monetize all that traffic. Facebook gave up on Beacon, and MySpace isn't living up to Google's expectations, but that doesn't mean you can't try to sell to your friends, family, and fans via social networks. Buy.com thinks they have the best way, with their Garage Sale application for Facebook. The best part of this option, though, may be the irony of their intro video which calls eBay a "thing of the past" -- apparently Buy.com's top brass didn't get the memo... they closed a huge product listing deal with eBay last month.

Your Own Storefront

Sellers with an adventurous spirit may opt to set up their own storefront. There are a number of free or open source projects, such as osCommerce, that can be used to power an online shop. There are also all inclusive small business hosting solutions, such as Yahoo! Merchant Solutions, that can get sellers up and running with their own stores with a lot less headache. We like Shopify, an all in one hosted ecommerce suite that has become one of the showcase apps for Ruby on Rails (don't worry -- we've never heard of anyone having trouble scaling their store on the service).

thank you to readwriteweb.com, source: http://www.readwriteweb.com/archives/6_ways_to_sell_your_stuff_online.php

How to write a CV or résumé

How to write a CV
or
How to write a résumé

Abstract

The intention and the style of the common elements of the CVs and résumés are presented and discussed in order to enable the reader to make an informed choice regarding the design of his/her CV/résumé instead of just blindly cut and paste from others.

The Contents:

  1. Introduction
  2. Terminology
  3. Motivation
  4. Persistence
  5. Typical Features
  6. Length
  7. Language
  8. Heading
  9. Sections
    1. Personalia
    2. Career Objective
    3. Qualifications Summary
    4. Positions/Experience
    5. Education
    6. Publications
    7. Awards & Honours
    8. Extracurricular Activities
    9. Language Proficiency
    10. Recreation
    11. References
  10. Acknowledgements

  11. Appendix A: Swedish Section Suggestions

Introduction

Many of my friends and fellow Computer Scientists have come to me and asked if they can use my CV or résumé as template when writing their own. Every time, I get equally happy and give them tons of good advice on what to keep in mind and how to avoid my mistakes.

However, very often I stumble upon CVs that clearly are made up with mine as model, and which have kept most of my errors and added several more. (Why do I have errors I know of in my CV and résumé? Well, because I am stubborn and sentimental...)

That is why I am writing this tutorial on how to write a CV or résumé: to save myself the sweet trouble of giving people lots of advice, and to, if possible, help more than just the ones who contact me personally. Of course, if I at the same time happen to satisfy my great ego in some way, so be it!

Terminology

What is the difference between a CV and a résumé?

Well, "curriculum" is Latin for "a running, race, lap around the track, or course" and "vitae" means "life", so "curriculum vitae" thus means "course of life", "life-track", or similar. In other words, a CV is a summary of your main experiences on paper. It is retrospective in the way that in only lists things that have been. It does not consider the future as a résumé does.

"Résumé" is synonymous with "summary", but you should not see it as a summary of your life but rather as a single paper summary of your total job application (what you want from the job and why just you should have it). The emphasis on a résumé is on your career objective. The experience you list on a résumé should be relevant and supportive of your goal.

CVs usually comes with the retrospective sections Personalia, Positions, and Education, while résumés is equipped with both visionary, current, and retrospective sections -- Career Objective, Qualification Summary, and Experience. (Positions and Experience both means jobs you already have had.)

Is that all there is to it? No, unfortunately, there is one other thing. You see, at the universities (within academia) and in industry (in the market), a CV means different things -- when industry and Human Resource people speak about CVs, they actually mean more of a résumé, and when university faculty refer to CVs, they rather think of academic CVs conforming to the requirements of the Swedish Higher Education Ordinance (högskoleförordningen).

What to do then? Simple -- do not label the piece of paper where you listed your strong points as neither a CV nor a résumé. Use your own full name as heading instead. But you should, of course, yourself be aware of whether it is a CV or a résumé you have put together.

In my opinion, you should rather use a résumé than a CV if you are going to apply for an industry job. If you want to became a graduate student, get a Ph.D., and perhaps become a full-fledged professor, then you must nurse a formal academic CV. Otherwise, if you just want to present your career at your homepage, a common CV works fine.

Motivation

What is the rôle of the CV in your job application? Does it differ from that of a résumé?

There are, of course, more than one usage of a CV/résumé. One of the simplest is to just put it on the web and wait for the recruiters and headhunters to start calling (and they do, at least to me). Another common usage is to submit one's CV/résumé as a response to a place ad and let the hiring company decide whether to contact you for more information and an interview or not. This is perhaps more usual in the USA than it is here in Sweden. As far as I know, the customary Swedish way is to submit a complete application at once.

What should your application contain then? Well, aside from a personal letter, introducing yourself and explaining why you are the right one for the job and why you believe the job being right for you, it should include a selection of your collected grade reports, different kind of certificates, letters of recommendation, and such -- preferably with the CV or résumé as the first page and the following papers backing up what is stated in the CV/résumé. In fact, you should try to only list claims you can easily prove in your CV/résumé. Always remember to get written statements testifying each and every one of your achievements!

You did something great in some association? Get the board to certificate it! You were on a board? Get the chairman to certificate it! You were the chairman? Get the board or your successor to certificate it! You went to the university? Get a signed grade report! You quit a job to get a new one? Get your boss to certificate how long you worked there and what your main responsibilities were! In fact, if you have a way with words, or have a friend that is, it can be quite rewarding to make a draft of the certificate you want to present as a proposal to the one who should sign it. Sometimes they prefer their own short and non-expressive standard template, but often they will be happy to just sign yours as it is, or, if you are lucky, use it as a base and extend it to something even better.

To summarise, in Sweden, an application for a job often consists of a personal letter and a CV/résumé followed by certificates of employment from every former employer, one's university grades, and other certificates of achievement.

Persistence

Should you keep a general CV/résumé or write a new one for every new job you apply for? Why not do both?

Even if it is most efficient, it is way too tedious to write a new CV/résumé for every job you apply for. The reason some say you should do that is that if you fill it with details, like the terminology, from the place ad and the company's web-site, it is easier to convince their Human Resource department that you are the right one for the job ("-Hey! This CV is a direct match to our ad -- this must be the person we want!").

It is much easier to make an initial version of one's CV/résumé, and then just keep updating it as your life progress. However, then you might not get a certain job, simply because some Human Resource manager do not understand that many of the buzzwords in their place ad mean the same thing as what you have listed in your CV/résumé, only in different words or acronyms. But if you already have a general CV/résumé made up, it is pretty easy just to target it at a certain position by scrutinising the place ad, reading up on the company, and adjusting your CV/résumé a little after the same fashion.

Take care not to be too obvious though! What if the HR-manager thinks "hey, this kid tries to suck up by reusing all the phrasing of our ad" and throws away your application?

Typical Features


Résumé/Industrial CV Common CV Academic CV
Length: Only one page! No backside! No more than the front and back of a page As long as it gets
Should at least include: Career Objective
Qualification Summary
Experience
Personalia
Positions
Education
Positions
Education
Publications
Can include: Personalia
Education
Awards & Honours
(Extracurricular Activities)
Language Proficiency
Recreation
References
Awards & Honours
Extracurricular Activities
Language Proficiency
Recreation
References
Personalia
Awards & Honours
Extracurricular Activities
Language Proficiency
Recreation
References

Length

Why should CVs and résumés intended for industrial rather than academic jobs come on one single sheet of paper and preferably only on one side of it? Because recruiters, like everybody else, like it when things are easy to handle. Thus, by keeping your CV and résumé short, you minimise the risk of being sorted out simply because it looked too extensive to easily scan through. Also, if you can summarise yourself on one side of a single sheet of paper, that goes to show that you are an organised and rational person -- very nice qualities in any potential employee.

Language

Should you write your CV/résumé in Swedish or in English? It is up to you. If you are a native Swede, Swedish is always a secure option. Remember that a CV/résumé should be as tidy and correct as possible, so do not embark on any CV/résumé-venture in a language you are not entirely sure that you master. After all, sloppy and faulty CVs/résumés do not get you the job of your dreams.

Why write it in English then? Well, if you want to apply for a job abroad, you do not have much of a choice. Also, at least within the field of Computer Science, good skills in spoken and written English are today often required even in completely Swedish companies. Thus, a nice CV/résumé in English is a subtle way of verifying a claim to be fluent in English. (Not to mention the sheer fun of flaunting a foreign language to a potential employer!)

Heading

Do not use "Curriculum Vitae" as the heading on your CV or "Résumé" on your résumé. Most people will be able to tell what kind of document it is without any help. Your intended receivers of the CV/résumé most certainly will. Use your own full name as heading instead. This way, you are more free to include features of both CVs and résumés if you would like to.

Sections

Personalia

This is the section where you collect all the small bits that do not fit anywhere else, like your age, nationality, marital status, what kind of driver's license you have (if any), star sign, and such. (This is just examples, you do not have to include all of them if you do not want to).

It is also here you put your address and phone number, so that you may be contacted by the company if they want to hire you. However, address and phone numbers are suitable to be placed in the page header instead, whereafter you can leave out the Personalia section completely and thus save precious space for more important information!

Career Objective

What are your goals in life? What do you want to become? Would you rather be an executive officer or a guru? What are your strengths? What are your weaknesses? You do not know? Well, time to think it over then...

Often you can borrow a title from the place ad and put here, but you should also add a little of your hopes, dreams and intentions. It is a tough section, but an important one. In a résumé, this should be at the top of the page, becoming the first thing the recruiter reads about you. Can you attract the recruiter's attention?

The best Career Objective should only be one or two normal length sentences, so the example below is really too long. It can be discussed what would be best -- to leave the third sentence out, although it best reflects upon ones ambitions and long term goals, or to remove the wanted requirements of the position and just state that "an executive creative position, preferably within Database Management or Brain Surgery" would be appreciated.

A lame or too neutral Career Objective does not help your case. If you simply do not know or cannot phrase a realistic objective that might please the new employer, then it might be better if you leave this section out. But, for your own sake, you should at least try to produce a suitable one.

Example:

An executive creative position where extensive marketing, writing, management, design, and technical skills are required. Preferably within the fields of Database Management or Brain Surgery. Opportunity to seize world leadership considered a plus.

Qualification Summary

Ask yourself what you know, not only what you have learned at the university, but what you have picked up outside classes too. Which of these skills are relevant to the job you are applying for? Which skills do you have that maybe is not of direct importance for the job, but that you are pretty proud of anyway? List these.

Use the same words as in the place ad. Even if your future boss and co-workers knows what the tools, methods and programming languages you list really are, very often the staff at Human Resources that hire new people do not. Instead, they get a qualification description from your future boss, make a place ad out of it, and then waits for someone with a clearly matching CV or résumé to apply. Make sure yours is unmistakably matching.

This is why you should not have a general CV and/or résumé, but should write a special one explicitly for each job you want to apply for. Luckily, most of the CV or résumé is the same, so you can keep a general one and then only update it corresponding to each place ad every time you use it to apply for a new position.

When targeting your CV/résumé, take care not to be too obvious. Make sure to add some skills not required by the job description. Better to come off as broad and generally useful than too narrow and specialised.

Example:

  • Mature computer specialist with strong technical and analytical skills.
  • Able to learn new systems quickly, train staff effectively, and meet deadlines promptly.
  • Detail oriented, with sound business sense and logic; challenged by new opportunities.
  • Keen interest and extensive experience in a wide variety of computer applications and hardware, including PCs, Macintosh, AS/400 and Unix/Linux.
  • World class tap dancer.

Positions/Experience

This is the most important section in every CV or résumé, except for students who have yet to get any real work experience. Here you list the jobs you have had. In the beginning you list them all, but when you have had a few, you can relax a bit and only list those that are of relevance to the new job you are applying for.

Well, actually, even if you are a student looking for you very first job, let us say it is in Computer Science, how important is it really that you picked strawberries one summer holiday for minimum wage when you were 14 years old? As it has little relevance to the position you are currently applying for, you should skip it, even if you have not worked any summer since. Better to seem to have forgot to list any summer jobs than to seem to only have picked berries some ten years ago...

You should also write a short but expressive description of what responsibilities the positions included. Here you should always use action verbs and remember to sell yourself.

Example:

January 2000 - January 2001
The Coca-Cola Company, Atlanta, USA
Senior Flavour Engineer
Investigated and implemented a new line of extremely popular beverages with untraceable additions of a variety of illegal, addictive substances.

Education

A pretty self-explanatory section. Here you list your university degrees, or, in case you have not actually graduated yet, the educational programme you are/were enrolled in. If you happen to have more than one degree, list them all.

Sometimes, especially if you are applying for your first job, it can be good to list which programme you took in Senior Secondary School (gymnasiet) too, especially if you plan to also include your grades from that level in your application.

When you have been working for several years and have had a few different jobs, your actual education loses its direct importance and can even be left out. Then it is the jobs you have had and what you have done that defines your knowledge and skills, not what education you once took.

Example:

September 1993 - January 2000
Master of Science in Computing Science and Engineering, Umeå University.

August 1990 - June 1993
Senior Secondary School, Umeå, Sweden. Course Program: Natural Sciences, profiling in Computer Orientation.

Publications

This is most common in academic CVs, but it happens that people in industry, especially those within Research and Development, have papers on their findings published. You might even have had a chance to write a book in the area of your special expertise? Naturally, such an achievement looks good on a CV.

Professors often have mighty long Publications sections, as it is their task as professional researchers to spread the result of their research via papers and books.

Example:

See http://www.cs.umu.se/~jubo/references.html for instance. ;-)

Awards & Honours

Have you ever won any award? Or qualified to some impressing contest, even if you did not win? You might perhaps be the subject of some scholarship? Or was elected "Employee of the Year" last winter? Perhaps you do not think it is that big of a deal, but a potential employer might. If you can remember anything relevant, add it under a section of this type.

Example:

April 1999
Crown Princess Victoria's Award for Outstanding Computer Science Studies

August 1997 - August 1998
Fulbright Scholarship, for studies at Massachusetts Institute of Technology, Boston, Massachusetts, USA.

Extracurricular Activities

This is only valid in a CV/résumé for job-seeking during your education and the first years after your graduation (in a full, not-for-job-hunting-but-presenting-yourself CV, you can of course keep them forever). After you have had a few real jobs, the extracurricular activities often do not seem as important as before, and you can use the space on the paper better to describe what responsibilities you have had at each work.

Extracurricular activities are the activities you were engaged in at university beside your studies. For instance, you might have been on the board for the students of your educational programme. You might even have held the position as chairman, secretary or cashier. These things are great to list when you do not have any or little real work experience yet, as they indicate that you are dedicated, responsible and trained in things beyond the scope of your education (for instance, having been cashier is a clear sign of basic knowledge of economics, budgets, and such).

Example:

February 2000 - February 2001
Secretary of the board of the co-operative building society (bostadsrättsförening).

May 1998 - May 1999
Member of Piraya, the social committee of the educational programme in Computing Science and Engineering.

Language Proficiency

Today, the marketplace is more and more internationalised. Companies has offices, branches, and/or business in other countries. Some large Swedish companies even have English as corporate language. If you know some foreign tongues, you are naturally more valuable to an employer who frequently have business abroad. Thus you should list the languages you know -- and how well you know them -- in your CV/résumé.

Remember to be positive about yourself. Rather than estimating your skills in some language as "poor", list them as "basic". It simply sounds better. I would suggest a scale along the lines of: basic, average, fluent, native. Of course, you can narrow it down further if you, for example, consider yourself better than basic but not really average and can find a suitable word for it.

Also remember that it might be a good idea to write your whole CV/résumé in English, to give some idea of how fluent your "fluent" is (if you have classed yourself as fluent, that is).

Example:

Swedish: native, English: fluent, German: basic

Recreation

Here you list important hobbies and favourite pastimes -- especially if they can be of interest to a potential employer. Do not list anything that might put you in a bad light. Thus you should list associations and sports your are active in, as well as special interests like bird watching or opera, but you should not list membership in the Ku Klux Klan or connections with the Mafia (unless, of course, you have reasons to believe that it might get you the job).

Example:

Maintaining Open Software, singing in a choir, coaching a kid's soccer team, playing chess, and travelling.

References

Can anyone testify to what you state in you CV/résumé? Do they want to do that? Who would you like a potential employer to talk to about you?

I do not include any references in my CV, I include them in the personal letter instead. At first I used to have the section heading "References" followed by a blunt "Available upon request", but that is usually taken for granted, so why not use the space on the paper for something more important?

If you are going to include some references in your CV/résumé, or in the personal letter, remember to first ask the persons you want to use if it is okay with them. If it is, list them with name, title, and contact information (at least email address and/or phone number), so that paranoid new employers can check with them to verify that you really are the right one to hire.

The most commonly used references must be former managers, or favourite lecturers/professors if you still are a student, but it does not have to be. Previous employers can account for your work skills, but not always of your social skills, nor how you are as a person. Today, these kinds of considerations often play an important rôle when looking for a new employee. Thus it can be advantageous to also list one of your best friends (preferably someone who is eloquent) as a personal reference (that is the title you use on your friend, regardless of his/her profession).

Example:

Lennart Edblom, Head of Department
Computing Science, Umeå University, SE-901 87 UMEÅ, SWEDEN
Phone: +46 90 786 XX XX, Email: xxxxxx@cs.umu.se

Tomas Halvarsson, Personal Reference
Phone: +46 8 XX XX XX, Email: xxx@xx.xxx.xx

Acknowledgements

  • Tomas Halvarsson has contributed with many good comments and wise opinions. Also, he has performed a tremendously thorough search for grammatical, as well as other, errors.
  • Elizabeth Selander pointed out that the Swedish Higher Education Ordinance actually regulates the contents of a formal academic CVs.
  • Karl Azab remembered me to include the section on Language Proficiency in the tutorial.

Appendix A: Swedish Section Suggestions

Section Suggested Swedish name
Personalia Personalia
Career Objective Karriärmål, Mål
Qualification Summary Färdigheter, Yrkesfärdigheter
Positions, Experience Yrkeslivserfarenhet
Education Utbildning
Publications Publikationer
Awards & Honors Utmärkelser
Extracurricular Activities Övriga meriter (egentligen vid sidan av studierna)
Language Proficiency Språkfärdigheter, Språkkunskaper
Recreation Intressen, Fritidsintressen, Övriga intressen
References References




the source
http://www.cs.umu.se/~selander/advice/cv-resume.html

The foreign exchange market - online trading

The foreign exchange market (currency, forex, or the FX) trades currencies. that lets banks and other institutions easily buy and sell currencies. [1]

The purpose of the foreign exchange market is to help international trade and investment. A foreign exchange market helps businesses convert one currency to another. Eg, it permits a U.S. business to import European goods and pay Euros, even though the business's income is in U.S. dollars.

The old foreign exchange market began forming during the 70s when countries gradually switched to floating exchange rates from the previous exchange rate regime, which remained fixed as per the Bretton Woods system.

The foreign exchange market is unique because of

  • its trading volumes,
  • the extreme liquidity of the market,
  • its geographical dispersion,
  • its long trading hours: 24 hours a day except on weekends (from 22:00 UTC on Sunday until 22:00 UTC Friday),
  • the variety of factors that affect exchange rates.
  • the low margins of profit compared with other markets of fixed income (but profits can be high due to very large trading volumes)
  • the use of leverage
Main foreign exchange market turnover, 1988 - 2007, measured in billions of USD.

As such, that has been referred to as the market closest to the ideal perfect competition, notwithstanding market manipulation by central banks. According to the Bank for International Settlements,[2] average daily turnover in global foreign exchange markets is estimated at $3.98 trillion. Trading in the world's main financial markets accounted for $3.21 trillion of this. This approximately $3.21 trillion in main foreign exchange market turnover was broken down as follows:

Top 10 Web Hosting

Top Web Hosting is a web hosting reviews community website, unique by his website hosting content, simplicity and best webhosting quality! Web Hosting Top represent a pioneer in web hosting reviews worldwide, the most reliable web hosting resource!

web-hosting-top.com has certain unique web hosting features, offered to our community, apart of top 10 web hosting list and top web hosting companies
Rank Web Hosting Provider Features Bonus Features Hosting Review
1 Inmotion web hosting rating - 5 stars
Business Web Hosting
Space: Unlimited
Traffic: Unlimited
Price: $8.95
Free Domain Name,
Choice of Data Centers,
Top Technical Support
Inmotion Review
Host Rating: 98%
Rate and Review a Host Review Inmotion
2 JustHost web hosting rating - 5 stars
Editor's Choice Hosting
Space: Unlimited
Traffic: Unlimited
Price: $3.95
Free Domain Forever,
Host Unlimited Domains,
$75 Marketing Bonus
JustHost Review
Host Rating: 97%
Rate and Review a Host Review JustHost
3 WebHostingPad web hosting rating - 5 stars
Cheap Reliable Hosting
Space: Unlimited
Traffic: Unlimited
Price: $1.99
Free Domain Forever,
Host Unlimited Domains,
$100 Marketing Bonus
WebHostingPad Review
Host Rating: 97%
Rate and Review a Host Review WebHostingPad
4 FatCow web hosting rating - 4.5 stars
Cheap Business Hosting
Space: Unlimited
Traffic: Unlimited
Price: $4.83
Free Domain Forever,
Host Unlimited Domains,
$75 Marketing Bonus
FatCow Review
Host Rating: 96%
Rate and Review a Host Review FatCow
5 Bluehost web hosting rating - 4.5 stars
Unlimited Web Hosting
Space: Unlimited
Traffic: Unlimited
Price: $6.95
Free Domain Forever,
Host Unlimited Domains,
$75 Marketing Bonus
Bluehost Review
Host Rating: 96%
Rate and Review a Host Review Bluehost
6 Hostmonster web hosting rating - 4.5 stars
Cheap Unix Hosting
Space: Unlimited
Traffic: Unlimited
Price: $6.95
Free Domain Forever,
Host Unlimited Domains,
$75 Marketing Bonus
Hostmonster Review
Host Rating: 96%
Rate and Review a Host Review Hostmonster
7 Globat web hosting rating - 4 stars
Cheap Web Hosting
Space: Unlimited
Traffic: Unlimited
Price: $4.44
Free Domain Name,
Host Unlimited Domains,
$55 Marketing Bonus
Globat Review
Host Rating: 95%
Rate and Review a Host Review Globat
8 Lunarpages web hosting rating - 3.5 stars
Cheap Shared Hosting
Space: Unlimited
Traffic: Unlimited
Price: $4.95
Free Domain Forever,
Host Unlimited Domains,
Free $775 in Software
Lunarpages Review
Host Rating: 94%
Rate and Review a Host Review Lunarpages
9 GoDaddy web hosting rating - 3.5 stars
Largest Web Hosting
Space: Unlimited
Traffic: Unlimited
Price: $12.74
Free Domain Name,
Host Unlimited Domains,
Free SSL Certificate
GoDaddy Review
Host Rating: 93%
Rate and Review a Host Review GoDaddy
10 Yahoo web hosting rating - 3.5 stars
Reliable Web Hosting
Space: Unlimited
Traffic: Unlimited
Price: $8.96
Free Domain Name,
$100 Yahoo Credit,
$50 Google Credit
Yahoo Review
Host Rating: 93%
Rate and Review a Host Review Yahoo

What Should I Do If I Have an Auto Accident?

What Should I Do If I Have an Auto Accident?

Adobe Acrobat version
What Should I Do If I Have an Auto Accident?
(75 KB)

PDF Document Pamphlets in Adobe Acrobat format
  1. If I have an auto accident, do I have to stop?
  2. What should I do if someone is injured?
  3. How can I get help?
  4. What information should I gather at the accident scene?
  5. If I think the accident was my fault, should I say so?
  6. What if I get a ticket?
  7. Do I need auto insurance?
  8. Should I get a physical checkup after the accident?
  9. Do I have to report the accident?
  10. Who pays if I'm injured or my car is damaged?
  11. What should I do if the other driver does not have insurance?
  12. What if someone sues me?
  13. What if I want to make a claim for my injuries?
  14. How can I find a lawyer to represent me?

© 1979, 1981, 1986, 1993, 2000, 2003, 2007 The State Bar of California. No part of this work may be reproduced, stored in a retrieval system, or transmitted in any medium, without prior written permission.

The Insurance Law Committee of the State Bar’s Business Law Section assisted in the revision of this pamphlet.

NOTE: The purpose of this pamphlet is to provide general information on the law, which is subject to change. If you have a specific legal problem, you may want to consult a lawyer.


1. If I have an auto accident, do I have to stop?

Yes. California law says you must stop—whether the accident involves a pedestrian, a moving car, a parked car or someone’s property. If you drive away, you can be charged with hit and run even if the accident was not your fault.

You must also exchange information with the other driver—your name and driver’s license number, the vehicle identification number of the car you are driving, the name and address of the car’s owner, the name and address of your insurance company and your insurance policy number (or other evidence of financial responsibility, such as a bond posted with the Department of Motor Vehicles).

Hit-and-run penalties are severe. Depending on the damage or injuries, you may be fined, sent to jail or both. You also could lose your driver’s license.

If you hit a parked car or other property, try to find the owner or driver. If you cannot, the law says you may drive away only after you leave behind, in a conspicuous place, your name, address and an explanation of the accident, and the name and address of your car’s owner (if other than yourself).

You also must notify the local police or California Highway Patrol (CHP) either by telephone or in person as soon as possible.

You must call the police or the CHP if the accident caused a death or injury. An officer who comes to the scene of the accident will conduct an investigation. If an officer doesn’t show up, you must make a written report on a form available at the police department or CHP office as soon as possible.

2. What should I do if someone is injured?

The law requires you to give reasonable assistance to anyone who is injured. For example, you may need to call an ambulance, take the injured person to a doctor or hospital, or give first aid—if you know how.

If you are not trained in the appropriate first aid procedures, do not move someone who is badly hurt; you might make the injury worse. However, you should move someone who is in danger of being hurt worse or killed (for example, in a car fire) even if you do make the injury worse.

To help prevent additional collisions, try to warn other motorists that an accident has occurred. Placing flares on the road (only if there are no flammable fluids or items nearby), turning on your car’s hazard lights and lifting the engine hood are usually good ways to warn others on the road. Arrange to get help for anyone who is injured, and try not to panic.

3. How can I get help?

As soon as you can get to a telephone, call 911. Explain the situation and give the exact location of the accident, so that help can arrive quickly. Be sure to mention whether you need an ambulance or a fire engine.

Remain on the telephone until the operator tells you it is okay to hang up. Or, flag down a passing car and ask the driver to go for help. The driver may have a cellular phone in the car and can make an emergency call on the spot.

4. What information should I gather at the accident scene?

Since many records now are confidential under the law, you may not be able to obtain the information that you want from the Department of Motor Vehicles (DMV). So be sure to get as much correct and complete information as you can at the scene of the accident.

You and the other driver should show each other your driver’s licenses and vehicle registrations. Then you should write down:

  • The other driver’s name, address, date of birth, telephone number, driver’s license number and expiration date, and insurance company.
  • The other car’s make, year, model, license plate number and expiration date, and vehicle identification number.
  • The names, addresses, telephone numbers and insurance companies of the other car’s legal and registered owners—if the driver does not own the car.
  • The names, addresses, dates of birth, driver’s license numbers and telephone numbers of any passengers in the other car.
  • The names, addresses and telephone numbers of any witnesses to the accident. Ask them to stay to talk to the CHP or police. If they insist on leaving, ask them to tell you what they saw and write everything down.
  • Try to identify people at the accident scene, even if they will not give their names. For example, if someone who saw the accident drives off, take down his or her license plate number. Law enforcement officials can trace the owner’s name and address.
  • The name and badge number of the law officer who comes to the accident scene. Ask the officer where and when you can get a copy of any accident report.
  • A simple diagram of the accident. Draw the positions of both cars before, during and after the accident.

    If there are skid marks on the road, pace them off. Draw them on the diagram, noting the distance they cover. Mark the positions of any crosswalks, stop signs, traffic lights or streetlights. If you have a camera with you, take pictures of the scene, and of the other drivers and occupants.

    However, do not place yourself in a position of danger in order to complete an accident diagram. Be aware of traffic conditions and skip any measurements that could place you in a position of harm.
    Make notes, too, on weather and road conditions.

    If the accident happened after dark, note whether the streetlights were on. Estimate your speed and that of the other vehicle. Be sure to record the exact time, date and place the accident happened.

5. If I think the accident was my fault, should I say so?

Do not volunteer any information about who was to blame for the accident. You may think you are in the wrong and then learn that the other driver is as much or more to blame than you are. You should first talk to your insurance agent, your lawyer or both. Anything you say to the police or the other driver can be used against you later.

Do not agree to pay for damages or sign any paper except a traffic ticket (see #6) until you check with your insurance company or lawyer.
However, be sure to cooperate with the police officer investigating the case. But, stick to the facts.

For instance, if you were driving 30 miles an hour, say so. Do not say, “I wasn’t speeding.”

6. What if I get a ticket?

Sign it. A ticket has nothing to do with your guilt or innocence. When you sign, you are only promising to appear in court to contest the ticket, or to pay it later if you wish. If you do not sign the ticket, the police officer can arrest you.

While it is okay to sign the ticket, you may want to talk with your lawyer before you pay a fine or plead guilty to the charges. Find out if you can attend traffic school instead.

If you plead guilty, you may hurt your chances of collecting damages from the other driver later. Or, you may help the other driver to collect damages from you.

  • Drunk driving. Driving with a blood alcohol level of 0.08 percent or higher (or any percent if you are under 21) is illegal, and the penalties for drunk driving in California are severe.
  • Seat belts/child passenger restraints. You can be pulled over and ticketed by the police if you or your passengers are not wearing seat belts. In addition, children must be protected by a special safety seat until they turn 6 or weigh at least 60 pounds.

    Children who are required to be in safety seats also must sit in a back seat under most circumstances. (There are exceptions for, among other circumstances, when a vehicle does not have a back seat or when all rear seats are already occupied by children under 12.) And youngsters are not permitted to ride in the front seat of a vehicle with an active air bag if they are under a year old, weigh less than 20 pounds or are restrained in a rear-facing car seat.

7. Do I need auto insurance?

California’s compulsory financial responsibility law requires that every driver and vehicle owner have insurance or other proof of financial responsibility.

You must carry written evidence of financial responsibility whenever you drive. For most of us, that means evidence of an automobile insurance policy. Often, that evidence takes the form of an insurance card issued by your insurer.

However, if the name of the insurer and the policy number are contained in the DMV’s vehicle registration records, you may simply write your automobile insurance policy number and the name of the insurer on the back of your vehicle registration.

If you don’t have this evidence to show to a police officer after a citation stop or an accident, you may have to pay a fine and a court may impound your vehicle.

If you have an accident and can’t show proof of financial responsibility, you may also lose your driver’s license for up to four years.
The law says that you can prove your financial responsibility in one of these ways:

  • Insurance. For most drivers, you must have liability insurance that provides at least $5,000 coverage for property damage for one accident, $15,000 for one person injured or killed in an accident, and $30,000 for two or more people injured or killed. Low-income drivers in certain counties may qualify for state-sponsored, low-cost liability insurance that has lower coverage amounts.
  • Cash. You can deposit $35,000 in cash with the DMV.
  • Bond. The DMV also will accept a bond for $35,000, issued by a California-licensed surety bonding company.
  • A DMV-issued certificate of self-insurance.

8. Should I get a physical checkup after the accident?

A checkup may be a good idea for both you and your passengers if any of you have concerns about your health.

You could be injured and not know it right away. You may wish to call your doctor or another health care provider for advice. Your automobile insurance may pay some or all of these health care bills (see #10 and #11). You should consult your policy or agent for details on what is covered.

9. Do I have to report the accident?

Yes. First, you may need to call the CHP or the local police (see #1). Second, report the accident to your insurance company. Ask your insurance company or insurance agent what forms you should fill out and to help you make other necessary reports on the accident. Third, you and the other driver must report the accident to the DMV within 10 days if:

  • the damage to either car is more than $750; or
  • anyone is injured or killed in the accident.

Get an SR-1 Report of Traffic Accident form from your local DMV office, CHP, police or insurance company.

10. Who pays if I'm injured or my car is damaged?

That depends on who is at fault, whether you and the other driver have insurance and what kind of insurance you have. There are two major types of automobile insurance: liability and collision.

  • Liability. If you are to blame for an accident, your liability insurance will pay the other driver for property damage and personal injuries up to your policy’s limits.

    If you are not at fault, the other driver’s liability insurance pays for your car damage and/or personal injuries up to the policy limits of the other driver’s policy.

    In California, if you and the other driver both have car damage or injuries and you both are partly responsible for the accident, you each may be able to collect part of your loss, but not all of it. How much each of you collects from the other’s policy (or from each other’s assets if there is no insurance) depends on the amount of your damages and on how much each of you is at fault.

    If you loan your car to someone who has an accident, your insurance can also help pay for the damages.

  • Collision. No matter who is at fault, your collision insurance pays for damages to your car (not your medical expenses), minus the policy deductible.
  • You may have other insurance, too. Your health insurance, for example, may pay your medical bills. Also, your automobile insurance may have medical payments coverage. If so, it can pay the cost of necessary medical treatment for you and your passenger up to the medical payment policy limits.

11. What should I do if the other driver does not have insurance?

If the other driver caused the accident and is not insured, your own policy can pay for your personal injuries—if you have uninsured motorist or medical payments coverage, up to the specified limits as provided in your policy.

If the other driver’s insurance is not enough to pay for all of your damages, your own insurance may pay the difference—if you have underinsured motorist coverage.

If you do not have these kinds of insurance or if your damages are more than the policy’s limit, you can sue the other driver. However, even if you win the case, you cannot be sure that the other driver has the money to pay.

If you have collision insurance, it will usually pay for the damage to your car, minus your deductible, no matter who is at fault (see #10).

12. What if someone sues me?

Contact your insurance company or insurance agent and/or your lawyer right away.

Generally, your insurance company will assign a lawyer to handle your case. But, if you are sued for more money than your policy covers, or if your insurance company indicates it may not cover you for everything, you may also need your own attorney.

Also, insurance company lawyers do not handle traffic citations or criminal cases, such as hit-and-run charges.

13. What if I want to make a claim for my injuries?

If the other driver was at fault, you may be entitled to compensation—for your personal injuries, car damage and other expenses, such as lost wages or the cost of a nurse needed after the accident.

If you had your own insurance at the time of the accident, you may also be able to sue for pain and suffering. You should make a claim with the other driver’s insurance company. But, if you are not satisfied with the amount they offer, you may want to sue.

If you plan to sue, do not delay. There are time limits for filing various types of claims—so act quickly.

You, as an individual, generally can file a claim for up to $7,500 in small claims court. (Businesses and other entities generally cannot sue for more than $5,000.)

A lawyer can’t represent you in court, but you can talk with one beforehand. For more information on small claims, see the State Bar pamphlet How Do I Use the Small Claims Court? To order a free copy of this pamphlet or any other State Bar consumer education pamphlet, send an e-mail to pamphlets@calbar.ca.gov.

Or, to find out how to order the State Bar’s consumer publications by mail, call 1-888-875-LAWS (875-5297).

Or visit the State Bar’s Web site—www.calbar.ca.gov—where you’ll find the bar’s consumer education pamphlets, as well as information on ordering them.

If you want to sue for a larger amount, your own lawyer can represent you. An insurance company lawyer cannot represent you if you are the person who is suing (the plaintiff).

Many lawyers take auto accident cases on a contingency fee basis. That means you do not pay the lawyer his or her attorney fees if you lose the case. If you win, you pay the lawyer a percentage of the money you get. Most lawyers charge a smaller percentage if the case is settled before the lawyer does all the work necessary to go to trial.

If you and your lawyer agree to a contingency fee, the lawyer must put the agreement in writing and give you a signed copy. The contract should explain what percentage the lawyer will get if you win and how it might vary. It also should state who will pay for any court or other costs.

14. How can I find a lawyer to represent me?

If you do not know a lawyer, ask someone whose judgment you can trust—a friend, associate or employer, for example. Or call a local State Bar-certified lawyer referral service.

For an online list of certified lawyer referral services, visit the State Bar’s Web site at www.calbar.ca.gov/lrs. Or, for the phone numbers of certified services in your county, call 1-866-44-CA-LAW (442-2529).

Out-of-state callers can call 415-538-2250 to hear the same message. Or check the Yellow Pages of your telephone directory for a listing under “Attorney Referral Service.” <>

Attorneys who are members of certified lawyer referral services must carry insurance, agree to fee arbitration for fee disputes, meet standards of experience and be State Bar members in good standing.

Lawyer referral service fees do vary. Don’t forget to ask whether there is a fee for the referral or consultation. And if you decide to hire a lawyer, make sure you understand what you will be paying for, how much it will cost and when you will be expected to pay your bill. You may want to talk to several attorneys before you hire one.

What if you do not have enough money to pay for legal advice? You may belong to a “legal insurance” plan that covers the kind of services you need.

Or, if you have very little income, you may qualify for free or low-cost help. You can ask your county bar association if its State Bar-certified lawyer referral service offers free legal advice for low-income people, or if it can direct you to a no-cost legal services organization. (California’s statewide legal services Web site—www.LawHelpCalifornia.org—can help you locate a local program and provide you with additional resources as well.)

If you’re charged with a crime and can’t afford a lawyer, call your county’s public defender. Depending on your income, you may qualify for free assistance. To find the public defender, look in the white pages under the name of your county.

For more information, see the State Bar pamphlet How Can I Find and Hire the Right Lawyer? You can order this pamphlet and other State Bar consumer pamphlets free of charge by sending an email to pamphlets@calbar.ca.gov.

Or, to find out how to order the State Bar’s consumer publications by mail, call 1-888-875-LAWS (875-5297). Or visit the State Bar’s Web site—www.calbar.ca.gov—where you’ll find the pamphlets, as well as information on ordering them.

------------

The purpose of this pamphlet is to provide general information on the law, which is subject to change. It is not legal advice. Consult a lawyer if you have a specific legal problem.

The State Bar of California
Office of Media & Information Services
180 Howard Street
San Francisco, CA 94105-1639
415-538-2000
Publications: 1-888-875-LAWS (875-5297)
pamphlets@calbar.ca.gov
www.calbar.ca.gov


source: http://www.calbar.ca.gov/state/calbar/calbar_extend.jsp?cid=10581&id=2174

Cinema4D: Oil Barrel Tutorial

Welcome to this tutorial for Cinema 4D XL V9. In this tutorial I will teach you how to make a rusted oil barrel.
We will be working with cylinders, torus and tubes.




First open your copy of Cinema 4D and you will get in a new project. We will first do a little preparation before we get to work. Please load your materials into your project. The material menu is on the left bottom side of the screen. Please slect the basics.c4d and all the shaders that are in the folder where you installed C4D. On my computer it's : C:\Program Files\MAXON\CINEMA 4D R9\materials



When you succesfully loeaded the materials we can get to work. We are going to creat a cylinder first. In the top menu, select : Object > Primitive > Cylinder. When clicked a cylinder will appear on your screen. This looks nothing like the shape of a oil barrel so we are going to deform it to the correct sizes. When the cylinder is selected please get it up a little bit by using the green arrow, and drag it up till it is above your grid. Now change the values in the object properties as following :

( cylinder must be selected )



We adjusted the rotation and height segments to improve quality of the final render. The more segments, the rounder objects will be. Your object should be looking like the image below now.



To get you a little bit excited we are going to get a material on the object to let it look like a rusted barrel. From your material menu select "metal1" and drag it on the word cylinder shown in your object library. The material icon should appear behind the cylinder. Press the 11th icon on your menu to make a quick render on your screen. It should look like the picture below. The arrow points to the button to get a quick render. It's beautifull isn't it. Remove the material again by selecting it. ( Gets a red border ) and press delete.



Now click the screen and you will get back in the edit screen. Now we are going to use rings to get the barrel more shaped.
Select Object > Primitive > Torus. a big ring will appear. This torus in precisely around the cylinder so no moving has to be done accept for some up and down movement with the green arrow. Get it up to a place that suits you. Divide the barrel in four pieces. Set the rings to the Object properties shown below.



Now select the torus in your objectmenu and press : CTRL + C , the press CTRL + V , two times. you have created Torus 1 and Torus 2 now. when selecting Torus 1 drag it down or up to the right height on the barrel. Do the same with Torus 2. Now press the render button and your image should look something like this :



Starting to look like a barrel now. All we have to do is add a hull on top of the barrel. For this we are going to use a tube. Select Object > Primitive > Tube. A big tube appears. Get the object settings like the following.



Move around the tube using the blue, green and red arrow when the tube is selected. Get it somewhere in the back and the barrel will be done to get the material on. Select all objects in your objectmenu by pressing Shift and clicking all the objects. They should go red.
When done, press the right mouse button and select "Group Objects". All object are now in a kind of map called "Null Object". When rendered your barrel should look like this.



The last 2 steps are putting on the material and saving it to JPEG. To add the material just grab the "metal1" material from your material menu and drop it on the Null Object. When rendered your barrel should look like this :



When you don't like this material you will be able to get another one from the internet somewhere. Or use a texture from www.3d-resources.com and create your own.

Now let's save the barrel as a JPEG and we are all done to show this piece of art to your friends. Zoom in a little bit on the barrel by using your mouse wheel or press the "+" key on your keyboard. Now we must set the render settings, found in the top menu under , Render > Render Settings . You will see a pop-up where you can enter the name of the file. Name it "barrel".

Then do to the second screen by clicking "Output". Select the output size. For example 1024x786.

Now go to the third screen by clicking save on the left side of the pop-up. Browse on your PC to where your picture must be saved and enter a file name. Set Format to JPEG. Set DPI to 200 and your done. Press the closing cross on the right top of the pop-up to close.
Press Render > Render to Picture Viewer and your JPG will be in the map you selected.



Final Image

Cinema4d: Create A Car Tyre Tutorial

You will need the MAKETHICKER plugin, download and drop it into program files/maxon/cinema 4d/plugins, you can find the plugin at the following page...

GET THE "MAKETHICKER" PLUGIN FROM HERE




1. Create a cylinder and rotate it 90 degrees as shown and scale it to look roughly like a tyre, 2. Set the caps to 1 and the HEIGHT SEGMENTS to 4...



MAKE EDITABLE and select both sides as shown, using EXTRUDE, SCALE, EXTRUDE INNER and BEVEL make something resembling the shape of the sides of the tyre as above!



In the top view and in POINT MODE select the middle points and SCALE em out a bit just to give the tyre a little more rounding.



Now we are going to create a tread object to be repeated 1. Make a new POLYGON OBJECT and 2. Here it is, empty ready to build some points/face in it.



1. Make sure your on the MOVE TOOL and 2. In POINT MODE, 3. HOLD "CTRL" and add in some points to make half of the tread pattern as shown (study a few using google images) BRIDGE the points (see my C4D basics tutorial for bridging) to create several "seperate" faces as shown...



To mirror this half 1. Drop a SYMMETRY OBJECT into the scene 2. Drop the tread object into the SYMMETRY and 3. Set MIRROR PLANE to "XY" 4. to get it to mirror onto the other side as shown.



Make the SYMMETRY object EDITABLE and you end up with a symmetry and a POLYGON, drag the POLYGON out as shown and delete the symmetry as its no longer of use to us, we have a POLYGON OBJECT made from both sides....Cool eh? ;-)



1. From the front view and in POINT MODE edit the points to follow the tyre more closely, 2. Heres where we use the MAKETHICKER PLUGIN, in FACE MODE select all the faces in the POLYGON tread object and choose MAKETHICKER from the PLUGIN MENU up top, set it to "2" and APPLY and as you can see instant thickness...very quick, very cool!!



1. Add a bit more detail to the treads using EXTRUDE/INNER/BEVEL etc and 2. Choose FUNCTIONS and 3. DUPLICATE, 4. Input a number here something between 40-60...I used 50 in the end and 5. Set the MOVE to "0" as Y is set to 500 by default.



1. DUPLICATE gives us a NULL OBJECT filled with 50 copies of the tread object, now we need a SPLINE to arrange these around, 2. Drop a CIRCLE SPLINE into the scene and 3. SCALE it to fit the tyre roughly



At this point when I ARRANGED the tread around the spline they faced outwards, so I ROTATED the SPLINE by 180 so it was facing the opposite way and for some reason this worked ;-))



Anyway heres the ARRANGE part 1. SELECT the NULL OBJECT containing all the copies, 2. Choose FUNCTIONS>ARRANGE and 3. Type in "Circle" so it knows which SPLINE to ARRANGE around...



BANG!! there you go a nice car tyre with chunky tread, different patterns can be found online and by scaling the NULL OBJECT you can make the tread stick out more or less etc...Also the amount of duplicates must be experimented with to get the kind of tread spacing you want ;-))



Throw a Black texture onto em and there you go, maybe make a decal for the writing on the sides or use a BUMP MAP to raise the lettering....Have Fun!!

Cinema4D: Create Shape Transitions in 5 Minutes Using PBlurp Tutorial

This tutorial requires you have the Thinking Particles plug-in for Cinema 4D and you are past beginner stage with the software. Start a new scene and bring in a primatives cube. Move the cube along the Z-Axis, with the Model tool selected choose the move tool and drag the blue arrow. Move it to around position 300M on the Z axis. Bring into the scene a sphere. Move this along the Z-axis also but in the negative direction to around -300M. In the properties for the cube set the number of segments for X,Y and Z to 10. Make the cube and the sphere editable (C on the keyboard).



On the menu at the top choose Plugins -> Thinking Particles -> Particle Geometry. Move the sphere and the cube inside this object in the objects palette. Using the toggle buttons make the sphere and the cube invisible. Bring a null into the scene (Objects -> Null object). We are going to apply and Xpresso setup to this null. Select the Null in the object palette then, within the object palette, goto File - > Cinema 4D tags -> Xpresso. In the window that pops up right click in the grid space and choose New Node -> Thinking Particles -> TP Generator -> PBlurp. Click on the newly create node to display its properties in the bottom right. Drag the sphere then the cube into the Objects parameter.



Now, make sure the animation header is on 0 F and right click on the Animation Phase parameter of the PBlurp node. Choose Animation -> Add Keyframe. Move the animation header along to the end (usually 90 F by default), and change Animation Phase to 100% then add another keyframe. Rewind the animation header. We are almost finished now, just tweaking of the Blurp to do. Firstly in the Object parameter of the Blurp (where you dropper the sphere and the cube), hold shift and click on both the sphere and the cube to highlight them both. This ensures the changes you make are identical to both objects. Now, if you followed my instructions, you will have to change the From To parameter to +Y to -Y, I also increased the IN and OUT Tangents to 400 each to get a better arch. Make the count parameter 1000 and change both Thickness parameters to 5%. Press play and enjoy. It also helps if you apply two different colour materials to each object. This method can make a whole bunch of different effects using different parameters and input objects, so EXPERIMENT.



Bellow is a PBlurp animation I made. I sphere explodes and the particles emmited for 'OPIFEX'. This is a really neat and fast effect to do. Due to bandwidth restrictions I cannot offer the animation to download. I can, however, offer an example scene for your pleasure.