My Hair Looks So Much Better

I used to think that I was stuck with my thinning hair. I used to be a bit embarrassed when I would get dolled up because there was just not much I could do with my hair. I could not afford to go to one of those places where they do expensive treatments to get hair to regrow, but it turned out that I did not need to spend a lot of money to fix my problem anyway. I commented not long ago to a casual friend about her hair, and she told me it was a curly weave hair extension that gave her so much volume.

I was really floored by this because I had no idea that she was wearing a weave. The reason this was so amazing is because I have seen a few women wearing weaves, and it was just really obvious. Everything about them was off, which turned me off of trying them for myself. Continue reading

I Got Transferred to Oregon

I just got up to Portland the other day. My boss gave me a pretty stark choice, I could either accept a transfer up here or I could start to look for a new job. It was not all that awful, because it came with a promotion and a raise in pay. In fact I did not have a lot holding me down there. My girlfriend and I were about to break up and I was in the process of moving out of her place. So I drove North and started checking out Frontier internet in Oregon and moving into this little house that I found on the web. This house is tiny, but there is just the one of me. Continue reading

Satellite Internet is Just As Good As Cable Internet

I have only had cable Internet before, but that was not going to be an option where I was moving to in Houston. I basically had two choices, and I was not familiar with either one. I did an online search for dial up and satellite Internet in Houston so I could learn about both of them to see which one would be the better option for me. As soon as I started reading about the dial up option, I knew that I would not be happy with it. The only way to really make it work would be to have a second phone line, and I just can’t see justifying that expense when there are other options available.

I looked at satellite Internet next, and I was really impressed with everything that I read about it. I thought that it was going to cost a lot more because it is sometimes the only option for a lot of people, but their prices are extremely reasonable. Continue reading

My Dog Has a Big Problem

I am not sure how big of a deal this is, but I have been looking around on the web to figure out the answer to the problem. It is not a very delicate matter, but I am going to talk about it because it is pretty worrisome and I am hoping that it goes away very soon. What do you give a dog that has diarrhea? I have been trying to figure out what I should do or if in fact I should not do anything. It has been going on for a couple of days, but Tiny is still a puppy and based on what I have read that makes them really susceptible to this sort of problem. Their systems are not yet fully developed and because of that any small change in diet can lead to this sort of thing.

In fact Tiny does not look much like a puppy, he is quite large. His father was a Tibetan Mastiff and his mother was also a very large dog. Continue reading

Most Portable Vaporizers on Market

I really want to get on the whole vaporizer bandwagon when it comes to smoking my herbs, as I think it is better for your health in the long run. I am not going to give up smoking herb anytime soon, as it really helps me to manage pain. I think more people should be willing to accept that it has medical benefits, as opposed to trying to demonize it. The latter is really not very productive for our society. I am checking out right now, because it is a site tha that has a lot of different vaporizers on it.

I want to figure out which one would be best for my particular needs. Continue reading

Exactly What You Need To Know About Life Insurance

Life insurance is a necessity for those people that your estate is handled correctly. If you were to die, you need to make sure that they are protected should you pass on. This article will help you find the correct life insurance decisions to protect your loved ones.

Each member of your family will have their own particular needs that is involved with the policy will have their own separate clauses that must be adhered to in the unfortunate incident of a death.

Before you purchase any type of life insurance, you should find out exactly how much coverage you really need and use that as guidance for your decision. If you purchase unnecessary options or too little coverage, you will end up paying costly premiums without seeing any return.You will feel better secured if you make good choices when it comes to life insurance wisely.

The policy must be able to cover your final expenses, including your mortgage, personal loans, and your child’s school tuition.

Insurance Policy

Obtain a life insurance policy via a financial adviser, not through brokers. Brokers will make money off of enrolling you with a insurance policy they sell you.

You should work to become healthier before signing up for a policy with a life insurance company. Life insurance policies can cost a real expense. It can cost you even more if your health is poor. You should improve your health and overall fitness before purchasing life insurance policy. You should make improvements to your diet, be it losing weight or eating healthier. Being in good shape will save a lot of money on your costs significantly.

Don’t pay commissions when purchasing life insurance.

Use the web to hunt down good deals on life insurance policies. Three excellent starting places are Accuquote,, and Insweb.

Watch out for any signs that suggest an agent or broker might be shady or a scammer.If an agent tries to downplay the importance of ratings, or possibly not available, or if they act as if they know more than anyone else, and then get on the phone to corporate and complain.

It is invaluable to do adequate research before settling on life insurance coverage. You will want to make sure that the policy actually addresses your needs and is affordable to you. You also want to make sure that you understand its contract completely.

Be skeptical of brokers who give the impression that they know everything during your consultation.

Insurance Company

To protect your financial investment and make sure you have chosen a life insurance company that will be around forte next 50 years, purchase your policy from a company that is financially solid. The insurance company you use should be rated A or above from an independent credit rating agencies.

Keep your insurance in secure locations.

Coping with the death of a loved one is difficult enough, even without the financial burden. If you die, life for your dependents will go on, and they must have enough income to support themselves and to pay the bills. Remember what you have learned in this article when you shop for a suitable policy.

Grow Your Mobile Marketing Strategy And Boost Your Business

Mobile marketing is a dynamic strategy; you just have reasonable expectations of what to expect from using mobile devices can do for advertising your business. When done right, it can work wonders for promoting your business.To make sure you get this done, read the following tips for smart ideas.

Do not randomly message your customers. Always ensure that what you’re messaging them about is relevant and important.

Your advertisements should carry QR codes to assist your technologically savvy customers. This easily allows smartphone users to access to your coupons and website. Put these codes everywhere, including fliers, catalogs, brochures and anything else.

Watch the competition to get ahead in social marketing. You need to stand out from the competition.

Your efforts should include driving new folks to your home base or bringing them back to it.Your business should not rely on a mobile marketing.

Avoid sending texts to consumers in the day. Even your very best customer will be irritated by receiving a text message in the early morning or late at night, nobody wants to hear about it at ridiculous hours.

Mobile marketing is one of the word out about your company. Many people tend to use their mobile devices to check out social networking. These excellent places that you advertise your business on the forefront of technology. You can increase your audience by marketing to where the customers are.

Try out as many phones as you can so that you understand the user’s experience.

If you use voice calls as part of your strategy, or even text them, friendly approach.

The most effective mobile marketers start small and then expand their services. You should operate this too. Use every method you have at your disposal.

Although texting with abbreviations is commonplace nowadays, not all know the different kinds of abbreviations used online. If your target audience can’t understand your advertisements, more than likely they will not pay any attention to what you are promoting.

You may have people not being as receptive as you would like, but either way customer input is too valuable not to garner it at every opportunity!

Social Networking

If your company has any social networking sites geared to the business, link to it on your main business webpage. Your customers usually will not search for you at random on a social networking site, as opposed to just searching for you on their own.

Mobile marketing can expand your customer base, in order for these strategies to be successful, your marketing materials need to work on most mobile devices.If technical glitches arise because of platform incompatibility, you could lose customers due to technical issues.

If you decide on creating a mobile app for your company, ensure that it is something that your customers will appreciate for its convenience and relevance.

Make sure mobile friendly directions and maps to your website. It is becoming more common for individuals to use their cell phone to find directions. Check to be certain your maps look nice and directions you provide display well on different mobile devices and turn up easily when a mobile search is conducted. Include a link to the Google Maps.

Give them the option of clicking on phone numbers instead of links, and see to it that any link you send them to looks good on a mobile device. Many people are now checking email with the mobile devices, so when you draft your emails it is important to keep this in mind.

There are a lot of things you can do with mobile devices to reach your target market. Fortunately, the information that has been provided should serve as useful knowledge that you can use to be successful in mobile marketing.

Easy Ideas To Make Student Loans Even Better

Are you intimidated by the price? You are probably thinking about how folks can go to expensive schools even when economic times are tough. Many people use student loans to cover the cost of getting a degree.You have the ability to obtain loans too, and this article has some helpful tips on how you can do that.

Know that there’s likely a grace period is in effect before you must begin to make payments on the loan. This generally means the period after graduation where the payments will become due. Knowing this allows you to know when to pay your payments are made on time so you can avoid penalties.

Be sure you understand the fine print of all loans.You need to be able to track your balance, keep track of the lender, and what the repayment status currently is with loans. These details that play an important role in your loan. This information if you are to budget accordingly.

Stay in contact with your lending institution. Make sure they know your contact information changes. Take any and all actions you need to take as soon as possible. Missing anything in your paperwork can end up costing a great deal of money.

Don’t worry if you from making a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders can work with you put off payments if you lose your current hardship. Just know that the interest rates rise.

Don’t forgo private financing to help pay for college. There is not as much competition for this as public student loans even if they are widely available. Explore the options within your community.

Don’t panic if you have trouble when paying back your loans. Unemployment and health problem can happen to you from time to time. There are forbearance and deferments for such hardships. Just know that the interest will build up in some options, so making interest-only payments will at least keep your balance from rising higher.

Use a two-step process that’s two steps to get your student loans. Always pay on each of them at least the minimum balance due.After that, you will want to pay anything additional to the loan with the highest interest. This will make it to where you spend less money you spend over time.

Month Grace Period

Stafford loans offer a six month grace period. Perkins loans give you nine month grace period.Other loans may vary. Know when you will have to pay them back and pay them on your loan.

Prioritize your loan repayment of student loans by the interest rate of each one. The highest APR should be paid first. Using your extra cash can help you get these loans more rapidly is a smart choice. There is no penalty for paying off quicker.

The prospect of monthly student loan payments can seem daunting for someone on an already tight budget. There are loan reward programs that can help. Look at websites such as SmarterBucks and LoanLink programs that can help you.

Get many credit hours each semester as you can. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This helps you minimize the loan money you need.

Since you’ve read this article, you now realize it’s not that hard to get a student loan. These tips are important when you are filling out forms too. Don’t let expensive prices deter you from the education you deserve!

How To Keep Loyal Customers Loyal Using Mobile Marketing

Mobile marketing is a dynamic strategy; you just have the technical expertise or are willing to learn the necessary knowledge to pull it off. If you do it well, it can significantly increase your business’s visibility. To begin working toward this goal, read the following tips for smart ideas.

You need to know what your customer wants in order to market them through mobile formats.

Mobile marketing messages should be easy to read and easily understood. Make all of your mobile marketing memorable and understandable.

Early Morning

Avoid sending messages to people at inconvenient hours of the early morning or late evening.Even your very best customer will be irritated by receiving a text message in the early morning or late at night, nobody wants to hear about it at ridiculous hours.

Mobile marketing is one of the word out about your profits rise. Many people tend to use their mobile devices to check out social network sites and download apps. Both of these are excellent choices to market your business. You must be willing to adopt new marketing strategies based on the platforms that your customers where they are congregating online.

Remember to treat people on the telephone how you would like to be treated, living their lives.

They may want to share it with others and increase the reach of your reach.

You probably know that you can offer some free apps to your customers, but were you aware that you can create the majority of these applications yourself? You could create an application specific to your business and up the product they need or learn more about a topic related to your mobile marketing efforts. There are a lot of features to choose from; tailor your app features; the possibilities are endless.

Although texting with abbreviations is commonplace nowadays, not everyone is familiar with popular acronyms. If your marketing communications are not easily understood by recipients, they will not look at it and you will lose a potential customer.

You may have people not being as receptive as you would like, but either way customer input is too valuable not to garner it at every opportunity!

A/B testing can be a useful strategy in developing a mobile friendly website. You then can progress with your mobile campaign with the best landing page.

If you decide to incorporate SMS messaging as part of your mobile marketing campaign, make sure you have an opt-in mechanism and, and have an easy way to opt-out. Because SMS is inherently linked with the notification systems of mobile devices, it can have disastrous results if abused or used inappropriately. It can seem like it’s invading peoples’ privacy.This honesty will go a trustworthy company.

Use maps that are clearly for mobile devices to attract nearby consumers.Your map can help a potential customer find your location quickly on their phone.

Use your website to advertise your advantage. One of the easiest ways to attract visitors to your mobile site or smartphone applications is to mention them on your website. When your customers visit your website, make it clear that you have a mobile app that they can use from anywhere.

You should test your marketing campaign for any defects in functionality before launching it.

Short Code

Buy dedicated short code instead of using a sharing service. It can be a little pricey, around 2,000, but this will go with your brand. Your short code will be recognizable and lead people to your company. It is well worth to money for potentially avoiding legal issues it can protect you from. You might get into trouble if a code sharing company you use has abused the system.

Do not go into a mobile marketing campaign without being clear on what you want to accomplish. Know exactly what it is you want to accomplish in your mobile marketing campaign.

Use mobile marketing combined with all relevant online functions. Have marketing material that matches what you have on your mobile site’s landing page, input different things that will make people come visit your website and you should allow them participation.

If you have a big mobile marketing list and are planning to have a big company event or maybe a sale send a reminder a little before it starts, send out a reminder a couple of hours before the event kicks off unless this is going to fall at early morning hours. This serves as a reminder to your customers of all the great deals.

There are plenty of projects to tackle when you seek to promote your company to the world. This article contains lots of tips to help you get started with mobile marketing.

Personal Finance Tips And Tricks From The Experts

Many individuals like to ignore the things associated to their personal financial difficulties. This article can help because it will show you control your budget the responsible way! Start managing your personal financial situation today!

Keep informed of world money markets so you are on top of any changes to the global market. Many people concentrate solely on domestic news, but this can be a mistake if you trade currencies or have significant investments. Knowing the world financial situation will help you fine-tune your strategy and to make educated market condition.

Try listing how much you spend on a whiteboard in your room or your home office. You will look at it often so that you need to do.

Avoid getting into further debt to save your personal financial situation. Some debt is normal, such as education loans and mortgages, but credit card debt should be avoided like the plague. You will lose less money to interest and possible fees if you borrow less.

Be aware of when you ought to file your income taxes. If you are in a situation where you owe a great deal of money and are not going to be getting a tax refund, file as close to the deadline as possible.

Health Insurance Policy

Help manage your personal finances with a good health insurance policy. Everyone will get sick at some point. This makes it vital that you have quality health insurance policy. Hospital bills can be more in some instances. This can wipe out your finances and leave you financially if you don’t have health insurance.

Try negotiating with your debt collectors who are trying to get you to make payments. They bought your debt for a low price. They will make a profit even if you do not pay a percentage of your debt. Use this knowledge to your advantage when paying off old debts.

You can also include the whole neighborhood in the sale by offering to add their items for neighbors on consignment. You can be as entrepreneurial as you want during a garage sale!

A number of credit card companies give rewards or discounted flight tickets to be redeemed from purchases for no additional charge. Your frequent flier miles may also be used at some hotels for services and products other than flights.

Take advantage of automated online banking alert services offered by your bank can offer you. Many banks will send emails or text you when there is activity reported on your account.

Dollar Bills

If a person ends up with many one dollar bills over the course of a month, use them in some fun ways to increase your income. Use those dollar bills and buy lottery tickets that can possibly win you the jackpot.

Financial issues may pop up during the years, even for people who carefully plan and manage their money.It is a good idea to become familiar with the late fee is and how many days you can be late.

Anyone can use these tips to improve their financial standing. One step at a time you can improve the situation your finances are in, and escape the stress of too much debt.

Tips On How To Maximize Your Budget

Are you in debt? Do you tend to spend alot of money? No matter what issues you have, it is crucial you make the necessary changes in order to get your personal finances under control. The information in this article that follows includes great ideas for gaining control of your finances.

Buying lean protein in various bulk amounts can help you to save a lot of time and money. Buying product in bulk is always cheaper when you are going to use what you purchase. A lot of time will be saved by cooking a week’s worth of meals all at once.

Patience is a lot of money when considering your money. Many people buy just-released electronic devices without thinking about the latest and greatest electronics as soon as they come out.However, if you take a step back and wait for a bit, the price may drop significantly. This will give you much more things.

If married, use this to your advantage. If you are suffering from a bad credit rating, you can build it back up by paying off credits each month. When both of you get your credit score to a good level, it will be possible to get two loans so the debt is distributed.

The interest from multiple credit cards is typically lower than trying to pay off a single card that has reached its limit.

To be financially stable, you should open an account that you can put some savings in and deposit to it on a regular basis. Having enough savings on in cases of an emergency. You may not be able to save a ton each month, but every little bit helps.

Make savings your first priority each time you receive.

Your FICO score is affected by credit card balances. A higher balance translates to a worse score. Your score will improve as the balance goes down. Try keeping the balance below 20% of the maximum credit allowed.

No one is perfect when it comes to personal finances. This is possible if you have a good customers.

Make sure that you have a flexible account for spending.

Speak with your friends and family about your finances. This will help them understand why you feel a little better about not being able to afford social activities with them as much. If you don’t tell people why you can’t buy that gift or take that trip or go to the mall, they may continue to push you into spending more than you should. Keep your friends know about your life.

Credit Report

Pay attention to everything your credit report shows. There are ways that you can check your credit report at no cost.

Make sure to budget and track money on for a couple of weeks or even months to get a better understanding of your spending habits.

Cooking meals in your home, as opposed to eating in restaurants, is a good way to save money if you desire to improve your financial situation. You can easily spend more than that on two pizzas with a couple of fast food burgers and some soda.

It’s never too early to get and keep your finances in order.

Do not let your financial mistakes; learn from them instead.If you have had excessive credit card debt in the past and struggled for years to set it right, use the memory of that time as encouragement to not fall into that trap again. If you aren’t being paid enough for the knowledge and talent you bring to your job, it might be time to get a new job or acquire some better financial management skills. When managing your money, any lesson learned can be valuable.

It is very easy to feel depressed or lost when you are in a bad financial situation. But, with some determination and advice, it is possible to gain control over them. Use this article to make better decisions about your finances. Eliminate money problems by sticking to your budget.

Insurance Tips That Can Really Pay Off

Car insurance has purposes other than just your car. It is also a protection to you and every other drivers. You need to make sure your insurance covers all you obtain will take care of everything you’re expecting it to. This article is designed to get you toward getting auto insurance that’s right for you.

If you are thinking of purchasing aftermarket enhancements for your car, determine the insurance consequences should your car get damaged or stolen. Insurance often doesn’t cover these parts separately, only covering the value that is added to the car’s entire value, and that may not be too much.

Avoid letting your insurance coverage lapse to help keep your policy rates low. You can create gaps in coverage when you switch carriers or policy to another one. Your insurance company will raise the rate charged once they discover these lapses.

Your vehicle’s make and model is the size of your monthly insurance rates. To really cut down your premiums, go with something a little more reserved and safe.

You can purchase insurance policies that are beyond the legal requirements for your state. Your premium will be higher with these options, but the extra options are often worth it. Uninsured motorist coverage protects you when you suffer damages to your vehicle or yourself from drivers who do not have insurance.

Make sure you know what coverage types are important when choosing auto policy must have with respect to coverage. There are many options available, but most of them aren’t right for you. If you tend to have accidents, you might want to consider taking advantage of collision coverage.

Think carefully about add-ons if you might not need.

It is not a good idea make your insurance in one lump sum each year rather than paying monthly installments. Your insurance provider can add three to five dollars to your premium. These fees can become significant over time. It can also a time consuming task when taking into account your other monthly bills. The less payments you have to make, the more money you save.

Sports Car

Trade in your sports car for something more moderate vehicle. Insurance for insuring a sports car tends to be quite expensive. Sports cars are a hot target for thieves, which further raises the cost of insurance.

This strategy carries some risks, but if you want to save money each month and have the willpower to put money away to pay a deductible if you are in an accident, you might come out ahead in the end. Your premiums will go down the higher deductible.

Insurance against uninsured drivers, as well as non-accident damage to your car like fire or flood, like in a fire.

Take an inventory of all of them, in order to ensure you take advantage of these price savers. You might be surprised at how much these discounts can save by claiming discounts.

Conversely, whenever these things are removed from your record, the lower your insurance costs.Once tickets and points are eradicated from your driving record, it might be a good time to get new quotes on auto insurance!

Get quotes from different insurance agencies before you settle on a policy. You will most likely need to shop around and do some research to obtain the best one.

Remove any other drivers from your insurance as soon as they stop driving your vehicle anymore. If you remove an extra person your rates will often go down, consider removing them in order to save some money on your premiums.

Always try to remember the costs of insurance each month.Auto coverage offered by insurance companies give you a safer automobile. You must factor in this expense as a part of your budget whenever you are purchasing a vehicle.

It is great when you receive a possible 10% discount on car insurance.

If you would like to have lower insurance premiums, opt for the highest deductible.A high deductible will make you responsible to pay for small repairs, but you will still be covered in the event of a total loss or if you cause an accident.

Taking the bus or another form of public transit when you’re heading to work may also lower your premiums. Try riding with coworkers if you can’t do that.

AARP members and credit unions may make you eligible for lower rates on auto insurance discounts.

A number of factors determine how your auto insurance is calculated. Some of these factors include your age, your age and your gender. If you are aware of this myriad of factors and how they impact your rates, you can be a much savvier shopper.

Now that you have read this article, take out your policy and look it over. You may be surprised to see that your current policy doesn’t include everything you though it did, or it may include other coverage that you don’t need and have been paying extra for.

Don’t Tell Anyone, But The Secrets About Lead Generation Are Here

Are you getting extremely frustrated about trying to get more leads to your page? However, unless you do things correctly, you could be waiting forever. This article can help you how to correctly generate leads.

Use consumer reviews and case studies when you’re trying to build your advantage. Use studies that are relevant to your business.

Generating real leads will be improved by establishing yourself as a trustworthy provider. Avoid screaming ads that may seem cheesy.

Some leads may just not be quite right for what you want to run. Picking the right leads will always lead to the best chance of success.

Make certain that all of your leads are legit. It is easy to get caught up in buying or gathering leads and not be aware of duplication. You can easily have some leads showing up well more than once.

Use your phone to make calls and see if people need what you have to offer. You might underestimate how many sales you are able to generate this way. Someone will always want to buy what you have to sell.

Talking with businesses in your area similar to yours can be very helpful. You could offer to give them tips on office if that is your area of expertise. Personal trainers could give a speech on how to stay fit at all times. Are others able to learn anything useful from your knowledge?

Don’t overuse this technique, but a few well-chosen ones are specific enough to drum up business. Try some out and adjust your business.

Speak with people while waiting in line. There’s not any harm that comes from being friendly and you never know who might need what you’re selling. Don’t push your sales on them though, but steer them in the direction of your services to see if you feel they are interested, because they might still be interested in what you have to offer.

Potential Leads

Create a lead generation.Potential leads may become tired of you if you try to get at them with your generation efforts you’re making all the time. Using a consistent schedule will make you seem professional in your approach. This will also prevents you from making useless pitches to the same potential leads over and over.

Make sure your plan in place. If you have a budget that’s tight, you’ll have to monitor even more carefully to put your money where it’s bringing the most benefit.

Make certain potential customers know where to go when they land on your site. Look over the landing pages and every page on your website. You need to be certain that the next step is clear. If not, change the page to make it easy for your visitors to understand.

Think about your consumers and their location in that buying process. For instance, new parents or newlyweds may be rushing to find a new home, and real estate agents will need to act with urgency. Those who might be downsizing due to their children moving away from home will need a slower sales pitch.

The advice here should do more than just teach you a lesson. It should have motivated you to get new leads. Start today, and reap the benefits of lead generation.

Student Loans: Success Comes To Those Who Know How To Attain It

Many people think they cannot afford a good education due to how much it costs. While it’s true that schools are expensive, student loans can put the dream within reach. Read this article to find out how to go about applying for one.

Know how long of grace period is in effect before you must begin to make payments on the loan. This is the period of time you are allowed after graduation before your payment is due. Knowing this allows you to make sure your payments on time so you can avoid penalties.

Make sure you are in close contact with your lenders. Make sure they know your contact information changes. Do whatever you must as soon as you can. Missing anything could make you owe a great deal of money.

Don’t worry if something happens that causes you can’t make a payment on your student loans. Most lenders can work with you if you lose your current hardship. Just be aware that doing so could make your interest rates rise.

Don’t panic if you aren’t able to make a tizzy. Job losses and health crises are part of life. There are options like forbearance and deferments available for such hardships. Just remember that interest keeps accruing in many forms, so try to at least make payments on the interest to prevent your balance from growing.

Select a payment arrangement that is best for you. Many of these loans come with a ten year repayment period. There are many other options if you can’t do this. You might get more time with a greater interest rates. You may have to pay a percentage of your income once you get some work. Some balances are forgiven after twenty five years has passed.

Student Loans

Choose payment option that is best suited to your needs. Many student loans offer a ten year repayment plan. There are other options if this is not right for you. For instance, you might secure a longer repayment term, however you will probably have a higher interest rate. You may negotiate to pay just a set percentage of your income once you begin to earn. Some student loans are forgiven once twenty five years have passed.

Reduce your total principle by paying off your largest loans first. Focus on paying the big loans off first. After the largest loan is paid, you can transfer your payments to the second largest one. By making minimum payments on all of your loans and the largest payment possible on your largest loan, you’ll be able to slowly get rid of the debt you owe to the student loan company.

Get many credits each semester as you can. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This helps you reduce the amount of loan money you need.

Fill out paperwork for faster processing. Incorrect or incomplete loan information gums up the works and causes delays to your education.

Stafford and Perkins are two of the best loan options. These are considered the safest and are safe to get. This is a great deal that you are in school your interest will be paid by the government. The Perkins loan interest rate of 5%. The Stafford loans are subsidized come at a fixed rate which is not more than 6.8%.

Student Loans

Understanding student loans is a valuable step in the process. With the right information and a measure of self restraint, you can navigate the world of student loans successfully. Use the suggestions to your advantage when you are filling out financial aid forms.

Drive Safely And Legally When You Follow These Rules On Auto Insurance

Every person who owns a car needs auto insurance.Choosing the most suitable insurance policy can pose a difficult task. You need to factor in your requirements and is cost effective.Before purchasing auto insurance, it is important that you know all about insurance and what type you need. Some helpful advice on auto insurance can be found in this article.

Every company has their own algorithms to decide your risk level and premium rates.You can save a good deal of money by consulting with several different companies.

A good way to reduce your insurance is to simply drive fewer miles. Most insurance companies will actually decrease the amount of your premium by decreasing the number of miles you drive.

Make sure you keep your license is clean. If you have had tickets or gotten in accidents in the past, see if you can lower your insurance premium by taking a driving course.

If you are looking for car insurance for a teen driver in the family, shop around for adding them to your existing policy, and then compare that to what their own policy would cost.

Avoid letting your coverage lapse to keep your rates low. You can have a gap in coverage if you jump from one insurance provider to another. Your insurance company will raise the rate charged once they discover these lapses.

This strategy carries some risks, but so long as you save money to cover anything insurance won’t, it can be an excellent way to cut costs. Your premium will cost less if you choose the higher deductible.

Know the details of your policy; including, what’s the level of coverage and what kind of limitations you’ll face, are a few good questions to ask.

Removing Collision

Think about taking some coverage items off of your auto insurance. For instance, if you own an old vehicle which is not very valuable, consider removing collision insurance from your plan if possible. You may find that you save a significant amount of money by removing collision coverage. You can also want to consider dropping your comprehensive and liability coverage.

Take an inventory of all of them, in order to ensure you take advantage of these price savers. You may very well be surprised that by claiming discounts.

Deciding how much auto insurance is not exactly simple. If you own a lot of expensive things, you should buy more liability coverage. If you are carrying $50, but you have personal assets to cover it, then that person could sue you in court for the difference. It is more prudent to get enough coverage to protect your savings and be safe.

If you are in an accident and need to file a claim, be aware that the company likes everything to be documented. It pays to always have a camera with you in the vehicle so that you are prepared for any circumstance.

Consider paying for your annual insurance policy in one payment. There are many companies that charge you a fee for paying your insurance in monthly payments.

The lowest rate doesn’t necessarily mean the only thing that should grab your attention when shopping for your car insurance.

Defensive driving courses can be a great and easy way to reduce the cost of your auto insurance rates. You can find any number of these classes at driving schools. You can also find them on the web if traditional classes don’t work for you.

Insurance Policy

If someone doesn’t use your car and is on the insurance policy, you should not pay the extra money it costs for them to be on your insurance policy.

If you would like to have lower insurance premiums, opt for the highest deductible.A higher deductible means you will be responsible for any repairs needed due to smaller accidents, but you are still protected in the case of a major accident or one in which liability rests on you.

You may also be eligible for discounts if you use public transit. Try carpooling if you cannot use public transportation.

Car Insurance

When you purchase an auto insurance policy, sound research will always benefit you. It will help you to understand your insurance needs, and the policies which might best meet those needs. If you have gathered enough data, you can find quality car insurance at a good price. If you want to ensure you get the right car insurance, apply this article’s advice.

Get Involved

As the Cycle to Walk campaign rolls across Canada, Ramesh and the road team may be stopping in your community or passing close by. This may be your opportunity to help out the campaign with our various needs. Please read the following and see if you are able to provide us with a little help along the way:

  • Set up a fundraiser or speaking engagement in your community. Contact our office for ideas, or give us yours. You can also create your own fundraising page online! Click here to do so.
  • Identification of potential speaking engagements at local service clubs, churches or interested businesses and organizations. As time will be limited in each community, we would like to know what if any groups might be interested, but would like to reserve the ability to confirm actual arrangements ourselves.
  • Help us to identify services available in your community: i.e. swimming pools; bicycle repair shops; massage therapists; physiotherapy clinics; sports medicine physician offices; media outlets and any other community information that would be helpful to the team on their journey.
  • Route information: i.e., pullouts; rest areas; service stations; road conditions (construction; narrow; road restrictions; dangerous points, etc.); police and other regulatory authority requirements and contact numbers; local road and weather conditions that might be expected for that time of year; restaurant and hotel/motel/campground accommodations.
  • The possibility of donation of hotel rooms or billeting would be very valuable to us as we are operating on a very limited budget and the road team will be in need of a place to rest their heads at night.

We appreciate any help you may be able to provide! Please get in touch if you can help in any way.

Become a Sponsor

Cycle to Walk is actively seeking sponsorship to help Ramesh and the road crew make their way across Canada. The following outlines our levels of sponsorship and the benefits of sponsoring the campaign.

Thank you for taking the time to read this information, and we hope you consider becoming a sponsor of Cycle to Walk.

If you’re interested in learning more about sponsorship opportunities or to read our funding prospectus, please e-mail Shelley at or call toll-free 1.866.599.0045.

We’d love to hear from you.

Keep Informed

RSS Feed

You can subscribe to this website’s two RSS feeds, which will allow you to receive notifications of blog updates as they are posted or notifications as events are posted to the Cycle to Walk Events page.

Here are the links to the two available feeds:

  • Follow Ramesh’s Journey RSS feed
  • Cycle to Walk Events RSS feed

What are news feeds?

News feeds allow you to see when websites have added new content. You can get the latest headlines as soon as they are published, without having to visit the websites you have taken the feed from.

Feeds are also known as RSS. There is some discussion as to what RSS stands for, but most people plump for ‘Really Simple Syndication’. In essence, the feeds themselves are just web pages, designed to be read by computers rather than people.

How do I start using feeds?

In general, the first thing you need is something called a news reader. This is a piece of software that checks the feeds and lets you read any new articles that have been added. There are many different versions, some of which are accessed using a browser, and some of which are downloadable applications.

Browser-based news readers let you catch up with your RSS feed subscriptions from any computer, whereas downloadable applications let you store them on your main computer, in the same way that you either download your e-mail using Outlook, or keep it on a web-based service like Hotmail.

Once you have chosen a news reader, all you have to do is to decide what content you want it to receive. In the case of this website, simply go to the RSS link – available on the welcome page, and throughout the rest of the site.

If you click on the button you can subscribe to the feed in various ways, including by dragging the URL of the feed into your news reader or by cutting and pasting the same URL into a new feed in your news reader. Most sites that offer feeds use a similar orange button, but some may just have a normal web link.

Some browsers, including Firefox, Opera and Safari, automatically check for feeds for you when you visit a website, and display an icon when they find one. This can make subscribing to feeds much easier. For more details on these, please check their websites.

How do I get a news reader?

There is a range of different news readers available and new versions are appearing all the time.

Different news readers work on different operating systems, so you will need to choose one that will work with your computer. Some of the options available to you are listed below.

Please note that this list is provided as a courtesy, and will not be updated or maintained. Cycle to Walk does not endorse or recommend any of these programs.

Windows News Readers

Newz Crawler

Mac OS X

Apple Safari


My Yahoo!


Mozilla Firefox
Internet Explorer 7

The RSS information on this page is adapted from content created by the BBC. Cycle to Walk is not responsible for content on any of the linked sites.

Journey’s Blog

Day 1 – Arrival in Delhi

I have safely arrived in Delhi, India after spending the last 35 hours waiting either on a plane or in an airport. I’m ecstatic to be here and to meet some of the people who have been working so hard to make India polio free. After clearing immigration and customs, I was welcomed by Mr. Stanley Samuel who is in charge of Logistics and Operations with the Indian National Polio Plus Committee. Stanley took me from the airport to the Rotary office, and on they way, he pointed out a banner hanging over a busy street that was promoting the recent Immunization Day that took place on November 9. One of Stanley’s responsibilities is to ensure the promotion of Rotary Immunization Days.

This afternoon I spent some time at the Indian National PolioPlus Committee office and met Communications Associate Nima Chodon. I’d like to express my gratitude to Nima, and to Petina Dixon, who is the Lead Media Coordinator for Rotary PolioPlus based in Evanston, IL, USA. Both Petina and Nima have worked very hard over the last several weeks arranging the logistics of my participation in the upcoming Sub-NID in Uttar Pradesh and Rotary’s Zone Institute in Agra.

I had the wonderful opportunity to meet with other staff in the Rotary PolioPlus office as well: Mrs. Prima Pravin, who works at the front desk and reception, Mrs. Anita Agarwal, who is the executive secretary, and Mr. Aby Abraham, who is responsible for information and technology.  Rotary has always worked as a team in order to make progress in the fight against polio. It’s wonderful to meet so many people who work every day to make the dream of a polio free world become reality.

Over the next couple of days I will be meeting with Mr. Deepak Kapur, Chairman of Rotary International’s India National Polioplus Committee. I’ll also have the opportunity to meet Mr. Lokesh Gupta, who is the manager of the program.
Tonight I participated in my first Indian media interview when I spoke with Prashant Nanda, a Special Correspondent with the Indo-Asian News Service. I have learned through Nima that Prashant often covers human interest stories. It’s great that Prashant and the Indo-Asian News Service continue to cover the hard work that is being done at the grassroots level here in India, as well as covering the overall progress being made with the Global Polio Eradication Initiative.

Day 2 – Journey to the Rotary Zone Institute in Agra, India

This morning Nima and I departed Delhi around 8am destined for the Rotary Zones 5 & 6A Institute in Agra, which is located in the state of Uttar Pradesh. We spent 6 hours driving through streets littered with garbage, beggars, wandering cows, cars, buses, motorbikes, cyclists, and pedestrians going every which way.

When Nima and I were waiting to cross into the State of Uttar Pradesh, I saw a polio survivor dragging himself along the ground. This horrific sight raised many emotions in me, as well as questions. How could someone even hesitate to receive the polio vaccine? It’s inexpensive and available, and it prevents a lifetime of suffering. If you know you have not received the polio vaccine and you are even remotely questioning its value, I would ask you to think of what I saw today in India: A young adult, probably around 26, covered in dirt. He has small, shriveled legs, and he crawls on the ground.  His situation could have been prevented if only he had received the polio vaccine. If Ron and Jan Ferris didn’t adopt me into their Canadian family, this could have been my life.

We were welcomed to the Zone Institute by Lokesh Gupta, Manager of the Indian National PolioPlus Committee, as well as Rotarian Deepak Kapur, Chairman of the committee. In the afternoon I was invited to attend a media conference where the Indian media had an opportunity to give feedback on the Indian National Polio Eradication Program. The following people were present to address questions and feedback the media brought up: Rotary International Director Ashok M. Mahajan, Rotarian Ashok Saxena, past Rotary International President from India Rajendra K. Saboo and Rotarian and member of the of the International PolioPlus Committee, Kalyan Banerjee.

I was impressed to see the number of media outlets that showed great interest in India’s polio eradication effort. In Canada, many people think that we have already eradicated this dreadful disease, and because of this, many Canadian media outlets do not cover global polio eradication efforts. Media is essential to ensure that communities are aware of the current polio situation and to inform every community member of their responsibility in the fight against polio. Thank you to all of the Indian media outlets for taking the time out of your day to attend the Rotary Zone Institute here in Agra, India. It’s the positive stories you will write about the successes of the fight against polio that will inspire the world to finish the job. Soon, hopefully, we will live in a polio-free world.

Day 3 – Rotary Zone Institute – Agra, India

Today I visited with Dr. Bob Scott and his wife Ann before attending a number of meetings. Dr. Scott is the Chairman of the Rotary International PolioPlus Committee and past Chairman of the Trustees of the Rotary Foundation. We first met in May 2006 at the Rotary District 5010 Conference in Juneau, Alaska. I had attended that conference with Dr. Allon Reddoch from the Rotary Club of Whitehorse. Dr. Scott was very pleased to hear about the success of the Cycle to Walk campaign. Rotarians around the world – all 1.2 million of them – have always been known for their generosity towards both local and global humanitarian service projects.

This morning, I was pleased to learn that Rotarians attending the Zone Institute together raised US$300,000 at a dinner event last night. These monies will be directed to the Rotary Foundation, whose mission is to help Rotarians advance world understanding, goodwill, and peace through the improvement of health, education, and the alleviation of poverty. The morning provided opportunities for RI Director Ashok Mahajan, Dr. Bob Scott, K.R. Ravindran, Kalyan Banerji, James Robinson, and Vikas Gora to address the Rotarian Delegates about the Rotary Foundation, its future and vision, Rotary International’s Humanitarian Grants Program, and Rotary Peace Fellowships. Later, Rotary Clubs and members who have donated significant amounts of their personal resources in order to demonstrate Rotary’s Motto of service above self were recognized.

I learned much more about what Rotarians are doing to fight polio in India over the course of the afternoon. I spoke with Deepak Kapur, Institute Chairman and Chairman of the RI Indian National PolioPlus Committee, at a meeting with trainers of the incoming district governors. Muslim children were present during the afternoon’s polio eradication session and they declared their commitment to work towards a polio-free world to everyone present, including Rotary International President Dong Kurn Lee. Mr. Lee travelled with his wife Young from South Korea to attend the Zone Institute.

This afternoon I had an opportunity to share my personal experience with polio, thank everyone for their efforts in the fight against polio and remind people why we need to continue working together to rid the world of this horrible disease. As I stood in front of so many young leaders from the Muslim community, I was so happy to see such excitement to work together towards the same common goal.

Day 4 – Arrival in the District of Moradabad in the State of Uttar Pradesh

I want to start off by thanking Rotary Zone Institute Chairman Deepak Kapur for allowing me to attend the Rotary Zone 5 & 6A Institute. It was a pleasure to meet so many committed, caring, and generous Rotarians who are working so hard towards making our world a cleaner, healthier, safer place to live. After saying goodbye to Lokesh Gupta, Manager of the Indian National Polioplus Committee, Nima and I headed towards Moradabad via taxi for the Sub-National Immunization Day which will occur tomorrow.

It took about six hours to drive through the heavily congested streets; the taxi dodged big buses, wandering cows, thousands of cyclists, stray dogs, and auto-rickshaws. Poliovirus is spread predominantly where people have had contact with contaminated water, which is linked to poor sanitation conditions. It is no wonder why polio is still an issue here in India: on our way I saw streams of water where people were excreting fecal matter, pigs rested, dogs swam, people washed themselves and laundered linens, and children played. The potent smell of feces filled my nostrils. The environment was so overwhelmingly disturbing for me to accept, yet for millions of people in India, it was nothing short of normal.

Dr. Mohammad Arif Khan, Field Programme Co-ordinator for the Polio Eradication Efforts here in India, welcomed us to Moradabad. He arranged for me to meet with Dr. Ashutosh Agrawal, who is the Sub-Regional Team Leader for the District of Moradabad, and helped set up times to meet with other doctors, team members and partnering organizations so I could learn more about the preparation, logistics, and ground work needed to run a successful National Immunization Day.

Dr. Khan gave us an overview of the current polio situation in Moradabad, and the role that each partner of the Global Polio Eradication Initiative plays. The partnering organizations take on many different responsibilities: The National Polio Surveillance Program and the World Health Organization are responsible for surveillance, monitoring, data collection, and training of health staff; the Government of India provides resources, implementation, human resources and funding; UNICEF provides social mobilization and communications, and Rotary provides funds, advocacy, and social-mobilization.

The polio program has divided the District of Moradabad into 22 planning units. There are 321 areas which have been identified as high risk by the National Polio Surveillance and the Social Mobilization Teams. 208 of these high risk areas are rural and 113 are urban. On Sunday there will be fixed immunization booths in both rural and urban settings. Teams of three – consisting of vaccinators and supervisors – will be mixed up with locals from each community, along with medical professionals and members from the Indian Government. Not only will there be fixed polio vaccination booths, but there will be two-member teams who will go out to transit points such as train stations, and temporary settlements. Throughout the week, there will be three-member teams responsible to visit approximately 100 homes a day within the entire District of Moradabad. As of October 8th, 2008, 795,515 houses have been visited. After one or two days of mass polio vaccinations, B teams will be deployed into the community. B teams consist of two people – generally from local NGOs as well as doctors. These two-person teams are tasked to visit about 50 homes a day. People who still haven’t been immunized will be visited at their homes by professionals as part of the Routine Immunization Visits.

In recent years, the following improvements have been made to ensure the Polio Eradication is as effective as possible: increased female workers involved in program, paid volunteers in some of the resistant communities, evening house visits to accommodate those working during the day, diversified community participation from NGOs, Rotarians, Civil Defence, etc., changing colour of marking pens from time to time, Indian Government supervisors, development of newborn tracking booklets, and free health clinics in order to build a stronger rapport with community members and to address any issues that health providers are concerned with. As you can imagine, there is a lot of work that has been and continues to be done in the fight against polio within the District of Moradabad.

To end the day, Dr. Khan, Nima and I met with Dr. D. P. Singh, Chief Medical Officer for the District of Moradabad, and a few other doctors. After a short visit with Dr. Singh, we visited the local newspaper where I discussed with reporters my experience with polio, the success of the polio eradication efforts in the District of Moradabad, and why we need to continue the fight against polio.

Tomorrow is a big day for me: I will participate in the vaccination effort first-hand by giving children the gift of a polio-free life. How exciting!

Day 5 – Participation in the Sub-National Immunization Day- Moradabad, India

Today was the reason for my travelling to India: to participate in the Sub-National Immunization Day here in the District of Moradabad. Dr. Khan, Nima and I all went to participate in the immunization activities which were occurring at the railway station. I vaccinated my first child in the morning and wow – what an amazing, overwhelming, experience. Giving those two drops of the polio vaccination to that child this morning was a miraculous dream come true for me. Those two drops will protect him for life against a disease which is so debilitating and socially isolating.

At around mid-morning we were joined by Kevin Hansen and his Wife Krista who travelled from the USA to participate in today’s activities and shoot some video of the Sub-NID. From the railway station we travelled into the urban areas of Pukhta and Karula where booths were set-up to vaccinate children. It was wonderful to be able to vaccinate more children and meet all of the hard working volunteers and staff at the booths. As we travelled on the busy roads ways to our next destination of the Lalpur Village, I noticed many public awareness signs about children receiving the polio vaccination as well as large banners that hung across roadways and on large buildings to make people aware of the National Immunization Day.

When we arrived in Lalpur we were greeted by many villagers who welcomed us into their community. It was great to meet with staff and volunteers at the immunization booth, vaccinate children, and then speak to teachers and students at a local school. I was pleased to hear that the Indian government directs all schools to be open during NIDs – even if they take place on a Sunday. This ensures that all children have the opportunity to receive the polio vaccine. Some of the teachers explained to me through translated conversation that all students under five years of age will receive the drops of the polio vaccine, and those students that are older will go out into their community to encourage families to bring children under 5 out of their homes to be immunized. This is part of the Social Mobilization Program. It’s wonderful to see young students take a such an important leadership role within their community to help make this a polio-free world.

Later on I met with leaders at the local mosque who announced the NID from its speakers. There has been great cooperation for the National Immunization Day from this heavily populated Muslim community. They will make announcements prior to and during the National Immunization Day as well as throughout the week when the house to house visits are occurring.

There has been great progress made in delivering the polio vaccination to India’s Muslim communities recent years: Rotary and its partners have been successful in establishing what is called the Muslim-Ulama Committee. This committee was established to address the growing number of concerns from the Muslim community that the polio vaccination program was a ploy to sterilize Muslim children. The Global Polio Eradication Initiative was established and is working to protect the children of the world. It’s great to see Muslim leaders come together with health care professionals and community leaders to support polio eradication efforts. Early in the evening I had an opportunity to travel to the Karula Miau Colony to personally thank members or the Muslim-Ulama Committee as well as members of nearby communities.

Polio does not discriminate nor does it respect any boundaries. It doesn’t matter what religion one believes, language one speaks, or culture one lives in – we all must come together as a global community to eradicate polio from our world. It’s beautiful to see so much cooperation between Muslims, Hindus, government and non-government organizations, citizens of India and citizens of the world to come together and forward the progress of the Global Polio Eradication Initiative. Tonight as I walked through streets, Dr. Khan said that people were recognizing my face from a newspaper article printed earlier in the day. It’s wonderful to see media shed light on the polio eradication efforts here, and and it’s even better to see entire communities get excited about being part of this truly remarkable global health initiative.

Today’s activities ended with large wrap up meeting with Dr. Sahena, the Chief Medical Officer,  other doctors, and all of partnering organizations involved with the Sub-NID in Moradabad today. The meeting was chaired by Amit Kumar Ghosh who is the District Magistrate in Moradabad. This was a great way for each participant to give feedback on the program. I had an opportunity to personally thank everyone for their hard work and dedication in their efforts to bring an end to polio. It makes me so proud to know that I was born in a country with people that give up so much of themselves to work hard and cooperate for the spirit of humanity and the future of our children.


Day 6 – House-to-House Participation in the Sub-NID – Moradabad, India

Today started with a pleasant visit with past District Governor of Rotary District 3100 and member of the India National PolioPlus Committee, Mr. Sudhir Gupta. Mr. Gupta was pleased to hear of the success of yesterday’s Sub-NID activities. After our meeting, Dr. Khan, Nima, and I drove to a rural village where we visited participants at a community centre. We were greeted with an overwhelming standing ovation and were welcomed with flowers. The villagers were very excited that we came to visit with them.

While we were visiting, I was able to share my experience with polio and encourage both participants and staff to live their dreams, have fun, and to continue to be community leaders by promoting the polio eradication program. We then left the community centre to participate in a house-to-house NID. The polio vaccination teams visit approximately 100 houses a day over the course of the week to deliver the polio vaccination to children under five years of age. The polio vaccine needs to be kept cool, so the container we used to carry it in was full of ice packs.

The team marks the main door of each residence with either a P or and an X. A P indicates that the child did indeed receive the polio vaccination, while an X indicates that they have not. Other information, which is also marked on the main door of the residence, is the date of the visit, and the total number of house visits the team made for the day.

After participating in the house-to-house polio vaccination activities, Nima and I said goodbye to Dr. Khan and all of the hard working team members. The team provided me with promotional goodies to take back to Canada so I can continue to promote the good work of Rotary’s PolioPlus program. After our goodbyes, hugs, pictures and many thank-yous, Nima and I took a four-hour drive back to Delhi where I will a flight back to Canada early tomorrow morning.

En-route to Delhi we took a break and stopped at a little place to get some food and chai. As I sat and ate my food, I noticed to a polio survivor who was crawling. He had something padding his knees and he had sandals on his hands. During my visit I was happy to learn that some of the Rotary clubs in India have organized polio corrective camps – which focus on providing polio survivors with corrective surgeries, braces, and crutches. The World Health Organization says that there are approximately 10-20 million polio survivors currently living around our world today. Many crawl around just like the one I saw today at that little food stop in Moradabad. We need to continue the fight against polio as a global community. If we don’t, millions more will be affected.


Day 7 – Departure from India and Final Thoughts

The wake up call at my hotel room came at 2:30 am, and I was in a taxi en-route to the Indira Gandhi International Airport an hour later. I boarded a plane for London Heathrow at 6:30 am for a nine-hour flight and then another 13 hours of flying back to Whitehorse, Yukon. The journey back to Canada provided a lot of time to reflect on the past week in India. It was a great opportunity to be able to travel back to my country of birth and witness such caring, compassion and generosity from so many people from so many walks of life.

We have never been as close to eradicating polio then we are today. We have come this far because of the hard work which is being done on every level of what is the largest global public health initiative in world history: the Global Polio Eradication Initiative. Rotary International and its partners have truly demonstrated commitment in every way towards polio eradication. With that one goal in mind, there is concentrated program development, partnership building, community rapport building, financial contributions, and an overall belief in not giving up on the world’s children. These people are working so hard to deliver us a polio-free world.

It makes me so proud to be born in a country like India when I witnessed so much corporation by so many people for the common goal of eradicating polio. On the flight to London, I met a woman travelling from Delhi to New York with her 19 month old daughter who she just adopted from India. I explained to her a little about my adoption story and my participation in Rotary International’s PolioPlus Program. I congratulated her on the addition to her family and then asked if her daughter had received the polio vaccination. She said Yes! with a big smile.

The polio eradication effort will only be successful if we vaccinate everyone. We can not afford to become complacent regarding the immunization of our children, and we must continue to raise funds for polio eradication efforts. I can’t thank Rotarians around the world and the partners of the Global Polio Eradication Initiative enough for allowing me to be a part of this exciting time in world history. We are going to eradicate polio from the world, and it’s because of all the hard work, commitment and belief in this dream that it will happen.

Take Care,

Ramesh Ferris
Polio Survivor from Coimbatore, India
Adopted and now living in Whitehorse, Yukon Canada

Our Team

Cycle to Walk is a true community effort.

Initiated by Whitehorse Rotarians, who accepted Ramesh Ferris’ proposal to hand cycle across Canada to raise awareness and funds for polio eradication and the rehabilitation for its poorest victims, the project has grown far beyond Rotary.

Other service clubs, churches, governments and people from all walks of life have come forward to help. They have contributed money, as well as much needed in-kind donations. And they have given freely of their time and special skills.

The Department of Health and Social Services, Government of Yukon, has given the campaign important start-up assistance. This is in recognition of the potential public-health service the campaign will give by promoting immunization against vaccine-preventable diseases.

The Road Team

The Road Team, (L to R):
Doug and Bertha Ayers, Ramesh Ferris, and Chris Madden

The Road Team will consist of 4 – 7 people headed up byDoug and Bertha Ayers, the anchors of the team who will be going the distance with Ramesh across Canada joined off and on by various other team members at various points along the way. They will be traveling in a motor home which will double as rolling headquarters and their home. There will also be one other vehicle to be used for reconnaissance to ensure the safety of the team and the public, and to tow a trailer containing spare bicycle parts and two other handcycles that Ramesh will use during his journey to minimize down time due to mechanical problems.

Chris Madden, Community Liaison will be traveling slightly ahead to liaise with community groups and media representatives. He will also be writing articles and contributing to the Cycle to Walk Blog.

Follow the journey on the Blog.

The Home Team

The Home Team:
Pixie Ingram and Shelley Williamson

Shelley Williamson, Executive Director

Shelley works with a team of steadfast volunteers. Previously, Shelley worked with the Yukon Government as Assistant to the Deputy Minister of Economic Development and joined Cycle to Walk in January 2008. Shelley is responsible for managing every aspect of the operations of the Cycle to Walk Campaign.

Pixie Ingram, Assistant to Executive Director

Pixie joined our office in April and has been a tremendous asset to the team. Pixie works closely with the Executive Director, the road team and the Route Champions in all aspects of coordination and planning.

Cycle to Walk Route Champions

It takes a lot of work and people-power to coordinate the activities of the Cycle to Walk campaign across the country. Event coordination, billeting and establishing contacts in every province that Ramesh and the road team pass through involves hours of logistical coordination to ensure that the campaign maintains a high profile. Each province has a dedicated volunteer in Whitehorse who ensures that every detail, from accommodation to high profile events, is set up for the team’s arrival. These coordinators, known as Cycle to Walk Route Champions, are as follows:

  • BC – Cycle to Walk office team
  • Alberta – Ivan Zenovitch
  • Saskatchewan and Manitoba – Mary Reddoch
  • Ontario – Kevin Rumsey
  • Quebec – Hélène Beaulieu
  • Atlantic Canada – Carmen Gibbons

We are extremely fortunate to have these dedicated and enthusiastic Route Champions on our team.

The Ramesh Ferris Cycle to Walk Society

The Cycle to Walk campaign is organized and administered by The Ramesh Ferris Cycle to Walk Society; a nonprofit society, registered under The Yukon Societies Act as well as with Revenue Canada. It has a committee structure utilizing volunteers for the Society’s nine Committees.

Board of Directors

Cycle to Walk Board of Directors
Not Pictured: Doug Janzen, Bob Lorimer, Doug Ayers

The Society has a committed Board of Directors that brings a broad range of experience and expertise to Cycle to Walk.

Whatever their background; professional, business, or government – all share the view that we don’t just live in houses, but in our communities and in the world. Everyone has lived somewhere else in Canada, and has given years of service to the communities in which they have lived, as well as in their Yukon home.

Click on a director’s name below to read about them.

Allon Reddoch MD CCFP, President

Dr. Reddoch was the president of the Canadian Medical Association (1998-99) and is currently the Chief Medical Consultant for the Yukon Workers’ Compensation Health & Safety Board. As a Rotarian and family physician, Allon has taken an active interest in polio eradication since the inception of PolioPlus in 1985 and provides leadership to the Cycle to Walk Board of Directors.

Valerie Royle, MBA, CDMP, Vice-President

Valerie is President & CEO of the Yukon Workers’ Compensation Health & Safety Board and is an online instructor in the areas of marketing, business communications and human resources for Memorial University of Newfoundland and in disability management for the National Institute of Disability Management. She is responsible for the corporate organization of the Society as well as assisting several of the Society’s Committees.

P.I. (Mal) Malloch, Chair

Mal is a self-employed management consultant who brings years of government, private sector and volunteer experience to his clients throughout the Yukon. His organizational and inter-personal skills are critical in ensuring the Society’s meetings are chaired efficiently and productively while also bringing a practical focus to many Cycle to Walk issues.

Doug Janzen, Treasurer

Doug is the manager of Scotiabank, Whitehorse as well as a Rotarian and volunteer advisor on a number of Yukon organizations. Cycle to Walk benefits from Doug’s 27 years of banking experience through his leadership as Chair of the Society’s Finance Committee.

Lois Craig, Secretary

Lois recently retired from her position as Assistant Deputy Minister, Energy Mines & Resources with the Yukon Government and is using her experience to provide consulting services on Yukon resource sector initiatives. An active Rotarian and volunteer, Lois brings her organization skills to the role of Society Secretary as well as her vast volunteer experience as chair of the Volunteer Committee.

Doug Ayers, Director

Doug, a Rotarian, is a self-employed verbatim court reporter (on the road to semi-retirement) with many years of volunteer experience. Doug is Chair of Cycle to Walk’s Logistics Committee and along with his wife, Bertha, will accompany Ramesh from British Columbia to Newfoundland as Tour Manager.

Katherine (Kate) Brent, Director

Kate is the Human Resources Assistant for the Public Prosecution Service of Canada and also owns and operates her own financial services business. Kate brings a tremendous amount of volunteer and financial expertise to the Cycle to Walk Board of Directors.

Carmen Gibbons, Director

Carmen is the Director of Health Services for the Kwanlin Dun First Nation. During her career, she has worked in banking and nursing, including community health nursing in First Nation communities. She has been a dedicated volunteer wherever her work has taken her. Carmen is responsible for the Sponsorship Committee and is the Atlantic Canada route coordinator.

Robert (Bob) Lorimer, P. Eng. Director

Bob is a professional engineer with 35 years of engineering and management consulting experience on a wide variety of infrastructure and resource development projects throughout Canada and around the world. His project experience is invaluable to the Society and he puts it to good use as the Chair of the Risk Management Committee.

Hon. Audrey McLaughlin LLD,PC,OC, Director

Audrey is well-known to Canadians as a former leader of the federal New Democratic Party (1989-95). A true citizen of the world, Audrey has worked and volunteered extensively across Canada, and internationally. She brings to Cycle to Walk, first-hand knowledge of both the devastation of polio in affected countries, and the success of immunization programs.

Bonnie Venton Ross, Director

Bonnie is Manager of Employee Communications for Northwestel and a Rotarian. She brings her considerable public relations experience to Cycle to Walk as the Communications Director.

Our Story

Ramesh Ferris


A 28-year-old polio survivor, Ramesh was adopted from India by Canadian parents in 1982. He can walk with the assistance of braces and crutches; however, his legs are not strong enough to propel a conventional bicycle. Instead, he rides using a hand cycle which relies upon his powerful upper body strength to maximize distance and speed.

He visited India in 2002 and witnessed the devastating reality for polio victims who do not have rehabilitative supports. Upon his return to Canada, Ramesh vowed to help. Cycle to Walk was born.

“As Commissioner of Yukon, I am asked to lend my support and name to many organizations. This can be a charity I firmly believe in or it can be a long-standing community organization that makes a great contribution.

When a young fellow that I have known since he arrived in the Yukon as a child, approached me along with the Rotary Club to support his initiative and become the Honourary Chair for the “Cycle to Walk,” I did not hesitate. I did not hesitate because his cause is pure and Ramesh Ferris is someone who has the focus and drive to complete his dream of hand cycling across Canada.”

– The Honourable Geraldine Van Bibber, Commissioner of Yukon

Cycle to Walk Campaign

  • April 12, 2008: anniversary of the release of Salk’s polio vaccine. Ramesh Ferris will begin to hand cycle 7,200 km from Victoria BC to Capee Spear NL to raise money and awareness for polio
  • Ramesh will cover 400 km every ten days for six months on a 27-speed hand cycle
  • He will consume 5,000 calories worth of food per day to fuel his journey
  • Ramesh will visit schools, service clubs, healthcare providers and various levels of government along the route
  • He will be accompanied by a support team to ensure the journey is safe and successful.

Goals of Cycle to Walk


  1. Eradicate – 75% of proceeds from fundraising activities will be contributed to Rotary International’s PolioPlus program via the Rotary Foundation of Canada to help conduct mass immunizations in endemic and at-risk regions,
  2. Rehabilitate – 20% of proceeds will go to help with humanitarian rehabilitation projects (20%),
  3. Educate – 5% of monies raised will be used to and to educate Canadians about polio and advocating their continued immunization (5%) through the Ramesh Ferris Cycle to Walk Society. As part of its mission, the Cycle to Walk campaign will educate Canadians in a direct, personal way about polio and deliver the message that until the world is certified ‘polio-free’, Canadians must continue to immunize, for their own protection, and to assist the global polio eradication effort.

Raising funds is a major part of the Cycle to Walk mission to offset funding shortfalls for global immunization and rehabilitation projects.

The Goal

Polio (poliomyelitis, or poliovirus) – source:

  • Enters through mouth; multiplies in tonsils and lymph nodes. Proceeds to gastrointestinal tract.
  • Virus multiplies in intestines and spreads via feces (diaper changes, contaminated water, poor hygiene, etc.).
  • Can cause paralysis within hours and attacks motor neurons in the brain stem, affecting breathing.
  • More than 10 million children will be paralyzed in the next 40 years if the world fails to capitalize on its US$4 billion global investment in eradication.
  • Historically, polio has been the world’s greatest cause of disability.
  • A single dose of vaccine can cost as little as US60¢.

There is no cure for polio, but the polio vaccine has been in widespread use since April 12, 1955.

he Goal

1953: Polio epidemic peaks in Canada with one of the highest incidences of infection ever recorded in the world.

1985: Rotary International made the eradication of polio a priority and formed PolioPlus; the original goal was to eradicate polio through immunization by 2000. That goal has not been met.

1988: Inspired by success of Rotary International’s PolioPlus program, the World Health Organization (WHO) introduces an initiative to eradicate polio by 2005. That goal has not been met.

Since 1955, worldwide instances of polio have dropped 99%.

Polio in the Developed World

Polio is literally an airplane ride away.

Like people in other developed countries where national immunization programs have protected generations from the devastations of polio since the introduction of the Salk (1954) and Sabin (1961) vaccines, Canadians have come to feel so safe from the disease, that many now consider it unnecessary to immunize their children.

In today’s age of frequent, international travel, all non-immunized people are at risk no matter where they live. Polio is literally an airplane ride away.

In July 2007, a positive case of polio was confirmed in Australia, as was the case in 2006 in Singapore. The GPEI News also reported the isolation of wild poliovirus (wpv) in the sewer water of the city of Geneva in August 2007. It is “due to high vaccination coverage and good sanitation” that detection of the virus was not considered to “represent a significant risk of outbreak.”

Polio in Canada

If asked, most Canadians would say that polio is “solved.” So, educating Canadians about polio, the vaccines and advocating continued immunization is absolutely necessary.

Polio is not solved.

In Canada, the immunization rate against polio is at 89%; leaving nearly four million Canadians (11%) vulnerable to this viral infection. According to WHO calculations, the rate of immunization is presently low enough to put Canada at risk for at least localized outbreaks.

“As long as a single child remains infected with the poliovirus, children in all countries are at risk of contracting the disease. The poliovirus can easily be imported into a polio-free country and can spread rapidly amongst immunized populations. Between 2003 and 2005, 25 previously polio-free countries were reinfected due to importations.” – (WHO)

Canadians should be aware that in addition to the threat of new polio infections, more than 10 million polio survivors worldwide are living without access to the rehabilitative support that would enable them to overcome the devastating physical effects of polio.


Polio in the Developing World


immunizationDespite the great success of the Global Polio Eradication Initiative (GPEI), spearheaded by Rotary International (R.I.), the World Health Organization (WHO), the U.S. Centre for Disease Control and Prevention (CDC) and UNICEF, in reducing the number of new cases by 99% since 1988, the hard fact is today, polio is still very present in four countries; India, Pakistan, Afghanistan and Nigeria.

Polio remains endemic in four countries:

  • Nigeria: 264 new infections
  • India: 590 new infections
  • Pakistan: 30 new infections
  • Afghanistan: 13 new infections

Polio has re-infected the Democratic Republic of the Congo, with 41 new cases in 2007. A total of 95 instances of polio infection occurred in non-endemic countries in 2007.

A Culture of Crawlers

They are doomed to living on the ground, to getting about from place to place by crawling, using sandals over their hands to protect them and pieces of rubber tires strapped over their knees… These polio survivors without rehabilitative support are called ‘Crawlers’. They are so many as to constitute a ‘Culture of Crawlers.’

They need our help.

Year-to-date infections in 2007 Source: