If you are employed by a business, you have the ability to play with the withholding on your paycheck. Fortunately, there is an easy way to do this online these days.

What is one of the happiest days of the year? Holidays excluded, for many people it is the day they get their tax refund check. Yep, cold, hard cash they can spend anyway they want. Alas, this is a mistake.

If you are getting sizeable tax refund checks each year, you are making a mistake with the withholdings from your paycheck. The federal government does not pay interest on the amount you overpay in taxes. As a result, you are giving the government an interest free loan throughout each year. While the government certainly seems to need every buck it can get, you would probably prefer to use the money yourself.

If you are overpaying or underpaying taxes out of your paycheck during the year, you need to tweak your W-4 withholdings. W-4 simply refers to the tax withholding form related to your employment and is filed by your employer. You can change the number of withholding by simply asking your human resources department.

To figure out the correct W-4 amounts, you used to need calculators, abacuses, forms and a minor psychic ability. Alas, the friendly IRS has made things easier. You can now go to the IRS site and access an online system that will figure it out for you. Simply search for “W-4” withholdings on the site and fill out the form. Once you do, it will calculate the information and let you know the adjustments you should make.

To fill out the form, you need a few things. First, you should have your last paycheck stub on hand. Second, you need your tax return from the previous year. If you need to estimate various information during the process, you can do so as long as you use reasonable numbers. It is not a test.

Once complete, the IRS site should spit out information for your withholdings. You should print this and compare it to your current information. Doing so should let you know if you need to make any changes.

Richard A. Chapo is with Business Tax Recovery – providing information on businesstaxrecovery.com taxes.

“Over The Top” followed a trucker, Lincoln Hawk (played by Sylvester Stallone), who decides to enter himself into a nation-wide arm wrestling competition. His arm wrestling pursuits not only brings him the affection of his estranged young son, but also brings him big earnings after he defeats the goliath Bob “Bull” Hurley in front of a packed arena and television audience.

The kind of competition and popularity featured in “Over the Top” is not far from reality. In fact, a documentary on the world of professional arm wrestling is in the process of being filmed, called “Pulling John,” which features an indepth look at some of the industry’s most successful arm wrestling competitors in the world.

Elite arm wrestling competitors can make good money at these competitions; cash prizes and big rig trucks are given to the winners of several competitions in California and Nevada, for example.

But arm wrestling, of course, isn’t relegated to professionals. There are few contests more readily accessible than arm wrestling, a fact made evident in bars, work cafeterias, dinner tables, picnics or anywhere else two arms wish to settle a bet or want to show off one another’s biceps. But arm wrestling is not just a battle of strength—it’s also a battle of wits. Ask any arm wrestler and they’ll tell you that focus, stamina and technique play integral roles in arm wrestling. Whoever conquers all of these elements is rewarded with the ultimate prize: winning!

With the help of the electronic manual, you’ll learn how to win, no matter how big or small you are. Inside, you’ll discover specific methods to coming out on top, the five best areas for arm wrestling, how to beat brute strength with proper technique (and how to master these techniques), where to go if you want to compete professionally and how to know when you’re ready, how arm wrestling improves your personal life, the rules of arm wrestling, the importance of rest in arm wrestling, how to stay free of injuries and much, much more!

infostormpublishing.com/ebooks/?bk=28 infostormpublishing.com/ebooks/?bk=28

If using a credit card makes you nervous, then you are not alone. Many individuals are concerned about credit card fraud these days. But there are ways to avoid being the target of a credit card scam. Our credit card fraud prevention tips will help put you at ease.

Our first credit card fraud security tip is to select a bank or credit card company that will have your back. Many credit card banks offer security programs to help keep your account safe. Some of these programs are free and some are costly. Look for a bank that offers free protection. In addition, most banks will allow you the option of filing reports regarding credit card fraud and most often will refund money that you lost. So before using a card, check with your bank or card provider to learn of their policies.

Our second tip to avoid credit card fraud is to educate yourself regarding phishing. Phishing is a method by which hackers try to acquire your financial information via the internet. These hackers usually send out emails posing as other companies you may or may not do business with. If you receive an email asking for your account information or credit card number, it is probably not legitimate. Trustworthy companies will not ask for your information in this way. When in doubt, contact the company yourself to be sure.

These days, we all hear the words “identity theft” all too often. But what is identity theft? Identity theft can be many things, but essentially it is when someone steals your financial and/or personal information, then uses it as if they are you. This type of credit card fraud is very popular. In order to prevent identity theft, there are things you need to do. Read on for tips.

First of all, don’t fall victim to phishing, which is reviewed in the previous paragraphs. This is the most popular way for criminals to get your information. In addition, you should always be careful with your personal information. This includes shredding or destroying any documents with sensitive information before disposal. Lastly, when shopping online, always be familiar with the companies you give your information to. Read their privacy policies and look for a symbol that signifies a safe transmission of your information, usually a padlock or check symbol. These credit card fraud prevention tips will keep your money safe.

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With a computer, high speed internet service, fax machine and telephone, many people can and do run quite substantial businesses right from their homes. If that includes you, you’ve probably heard you can take a deduction for a home office, but you may also have heard that this is an automatic "red flag" for the IRS to audit your return. You may be wondering if the deduction worth the risk.

My advice: If you qualify, take the deduction.

Qualifying

To qualify for the home office deduction, you must have a part of the home which is used exclusively and regularly for doing business. This could be seeing clients or storing inventory. It even includes performing administrative or management functions, provided there’s no other place of business where you do those things. So, for example, if you do most of your work in an office in the back of your retail store, but also do some administrative functions at home, no home office deduction is allowed.

The point that trips up most people is the "exclusive use" test. A desk with a computer that you use for business during the day, and your kids use to play video games at night, does not count. It’s best to have a complete room set aside just for business, or at least an easily definable section of a room. If you store inventory in your basement or garage, make sure that section is used only for storing inventory, and not the kids’ bicycles and toys, or your old exercise equipment.

What You Can Deduct

You can deduct all of your direct business expenses, which includes things like extra phone lines or features on your phone that you get for business use, along with long distance charges for business calls. Your main home phone line is generally not deductible.

You can also deduct part of all of your utilities, including electricity, gas, water, sewer, etc. A portion of your mortgage interest, insurance and real estate taxes are also deductible. And, you can take a depreciation deduction, which means you are actually writing off part of the cost of your home.

You’ll notice I said you can deduct part or a portion of these expenses. You are allowed to deduct that portion of your expenses that relates to business, which is most often determined by square footage. You take the square footage of the portion of your home used for business, and divide by the total square footage of the house. So if you have a 2,000 square foot home and your home office is 200 square feet, you can deduct 10% of the household expenses as business. While 10% may not seem like much, you might be surprised just how much you save in taxes when you add up all the different expenses you can deduct.

One limitation to keep in mind is that you must have a profit from the business in order to take the home office deduction. The deduction can’t cause you to have a taxable loss. Also, when you sell your home, you may have to pay tax on part of the sales price, even though home sales are usually tax free. Check with your tax advisor for more details.

Red Flag?

Many people, even many tax professionals, assumed for many years that taking the home office deduction would automatically draw attention from the IRS. In reality, there doesn’t seem to be any extra scrutiny at all. This is especially true since the law was changed in 1997 to make the deduction available for people who just use their office for administrative purposes. Previously, you had to see clients or store inventory at your office, and many people took the deduction who did not qualify.

Like any tax deduction, you should not take the home office deduction unless you are entitled to it. And to make sure you meet all the requirements and are following all the rules, consult a professional tax advisor. But if you are entitled to it, don’t be bashful. You have the right to the deduction, and you are giving away money if you fail to take it.

Tom Norton is the St. Louis based founder and owner his own CPA firm, Thomas Norton & Company, LLC. Tom specializes in business valuations, forensic accounting, and complex divorce litigation support. For more information and hundreds of free tax and financial reports, go to thomasnortoncpa.com. thomasnortoncpa.com.

A woman convicted of probation violation tried to use the famous Monopoly “get out of jail free” card to avoid incarceration, the judge humored her by asking the local sheriff if they accepted the cards to which he replied “no”. She was eventually jailed, but not without at least trying her luck first.

The “get out of jail free” card originated from the timeless game of Monopoly and made its debut in 1935, since then over 200 million games have been sold worldwide and has become the most widely played board game in history (recorded in the Guinness Book of World Records).

Since then the expression “get out of jail free” has been immortalized in modern society to mean “a way to get out of a sticky situation” and just like been given the card to get ourselves out of an undesirable situation, so is the act of debt consolidation when we find ourselves in financial difficulty and need a little outsider assistance.

Is Debt Consolidation Like a Get Out of Jail Free Card?

In a manner of speaking it is based upon a similar fundamental premise that if we’re in a situation where we’re struggling financially and are have difficulty coping with our current level of debt then we have the opportunity to alleviate that burden through consolidation.

When we’re not careful it’s easy to accumulate more debt than we think we have when we don’t proactively track our spending.

How Do I Know If Debt Consolidation is Right For Me?

1. When at least half of your income goes towards paying your debts.

2. When constantly worrying about the level of debt you have to the point where it effects your sleep, job performance and general behavior.

3. When you feel a sense of helplessness from being financially over extended on a regular basis, this is different if it’s once in a while and you’re able to eventually regain control of your finances, but if you constantly feel this way no matter how much extra you pay to get ahead only to find you’re still at square one, then consolidation might be the option for you.

4. When you don’t meet your financial commitments. If you miss payments or have a sketchy bill payment track record.

5. When you’re sacrificing important things. If you’re having to pay visa before paying the power bill then you’re not managing.

What Consolidation Will Do For You

Debt Consolidation will take all of your existing payments, credit cards, loans and condense them into one manageable weekly, monthly payment (whichever terms you agree upon).

Interest rates are competitive for these types of loans so it pays to shop around. I would start with your bank. If you have a home you can leverage it by borrowing against the equity you have. The equity is the difference between the current market value your home is appraised at and the amount owed on the mortgage. The equity is the amount that you can borrow up to the value of.

Because consolidation puts your total debt into perspective, you’re able to keep up with your payments which helps your credit scoring while establishing a new positive payment track record for your credit report.

What Consolidation Won’t Do For You

It’s not uncommon to get into situations of extreme debt through unforeseen circumstances and emergencies, however there are instances where we do get into unnecessary debt through poor management on our own behalf, so if you consider consolidation as a option then you still need to devise a budget if you do not already have one, and stick to it faithfully.

Use any extra disposable income left over to pay off your debt faster. Remember, debt consolidation will relieve the pressure of your current debt but it won’t change how you got into the debt in the first place, especially if it was due to poor financial planning and lack of budgeting. Keep a close watch on your future finances.

Once you get into the habit of living by a budget and eventually become debt free, your new budgeting skills should keep you out of debt, permanently.

Isobel Miller enjoys writing on a number of topical subjects, one of them addressing debt and financial issues and strives to uncover the answers to your most burning questions. debteliminationinfo.blogspot.com www.debteliminationinfo.blogspot.com

If you are feeling insecure all because of your bad credit history and facing trouble in fulfilling your needs. Then stop doing compromises with your needs as for the borrowers who are marked with bad credit can avail bad credit unsecured loans.

Bad credit unsecured loans are especially designed to meet the needs of the borrowers with bad credit history. Borrower might have drowned in bad credit score or history because of its past credit deformities in repayment towards his previous lenders. The situation of bad credit usually arises when borrower opts for more loans or a loan amount to fulfill his needs but fails to comply with the loan terms.

Borrowers like County Court Judgements, default holders, arrears, individual voluntary arrangements etc are categorized as bad credit borrowers.

So while considering the bad credit unsecured loans, borrower willingly or unwillingly may not place his collateral against the loaned amount. For this reason unsecured loans are quite popular among the tenants, non-homeowners, students etc.

The bad credit unsecured loans can be used for various purposes namely home improvement, debt consolidation, car buying, going for vacation, meeting the wedding expenses etc.

In the bad credit unsecured loans, lender usually calculates borrower’s financial condition, employment etc. before offering the loan to the borrower, so that lender is sure about his amount.

Bad credit unsecured loans generally ranges from £ 5,000-£25,000 for the easy and flexible repayment term of 5-10 years. Lender is at higher risk because of the adverse credit history of the borrower, so to compensate his risk lender often offers higher interest rate to the borrower. But proper research can lead the borrower to competitive interest rates.

One of the most popular resources of researching the bad credit unsecured loans is internet or online. As today almost all the lenders have access to the internet and with that borrower also finds easy to search a best quotes by comparing the quote of different lenders on the comparison websites. Besides these borrower can also acquire from the banks, or the financial institution. After choosing a quote borrower must check out lenders reputation and his service.

Bad credit history always reflect the status of the borrower, with bad credit unsecured loans borrower while enjoying the repayment can also improve his credit score.

Peter Taylor is a senior financial analyst at Loans Bad Credit with an acumen for finance and insurance. To find

Speed, agility, and quickness (SAQ) training is something that tends to
become a topic of heated discussion. Many coaches feel that the effort put
forth while practicing the sport is sufficient to improve these motor skills.

Their theory is that you cannot get any more sport specific than performing
the sport itself. Therefore, by training that sport, you are developing the
set of athletic skills specifically related to that sport and not wasting time
on unnecessary activities.

By participating in your sport at game intensity, you will learn and develop
Jumping and landing mechanics, acceleration, deceleration, and cutting
mechanics, increase foot speed, and develop everything else that goes
into well rounded athleticism.

The other school of coaching tends to believe that component training, or
breaking complex skills down into trainable pieces, is the best way to go about athletic enhancement. They think that working on each motor skill
independently of the sport and than introducing the corrected skill back
into the sport is much more efficient.

Without question, dynamic human movement is extremely complex. The
simple act of walking involves very in-depth motor programming that
functions on a subconscious reflexive level.

By subconscious reflexive I mean that you do not have to think to execute
complex motor skills. If you had to think about every muscles action
while you walked it would take you days to get from the couch to the

refrigerator and your movements would look very robotic.
This reflexive motor programming starts to develop as an infant. You learn
to do very basic skills, and as you mature, the programming becomes more
complicated as does the movement. As the programming becomes more
complicated, it becomes increasing more resilient to change.

The problem is that a child is typically never truly guided through the
earlier stages of development. As infants they learn to move by trail
and error. Walking, standing, sitting, reaching, rolling over, and all
the other things that are being learned and developed are all self taught.

In North America, as children age and enter preadolescents, they
are typically steered away from programs that focus on physical
development. These children now start to build more complex
programming on top of already faulty self instructed programming.

Developmentally, it is at this age when children are the most “plastic”.
Unfortunately it is also at this age that that the introduction to structured
practice results in them repetitiously ingraining incorrect movement
mechanics.

As a result, we start to see more and more non contact injuries at younger
and younger ages. We also find that correcting these reflexive problems
becomes increasing more difficult.

These types of kids typically face more developmental problems as they
get older. Motor learning research tells us that you go through progressive
stages of learning as you acquire new skill. Some skills are similar to others,
so we are able to skip various initial stages along the way.

When issues exist within theses skipped stages, the latter stages of
Development will be negatively affected. When this happens, time
must then be spent fixing the foundational issues, before efficient motor
programming can continue to occur.

As I mentioned earlier, most motor skills are designed to function without
cognitive control. Once again you do not have to think to walk or run.
Your body will automate the process dependant upon its programming
regardless of right or wrong.

My question than becomes…If your body is running off of reflexive
automated motor programming, how are you going to fix these
developmental issues by playing your sport?

The average human brain does not possess the capacity to multi-task and
efficiently refine or learn distinct foreign skills. Most individuals are not
and can not think about improving a specific motor skill while they are in a
confrontation situation (which is truly the essence of most sport).

If you asked most athletes what they were thinking during such a
confrontational activity (such as being guarded during a lay up)they would
more than likely say, I don’t really remember thinking of anything.
I just did what was natural.

They functioned on preprogrammed information. They functioned reflexively, maybe not efficiently, but definitely reflexively. Did this athlete actually develop or correct any specific motor skill during this situation?

He may have learned how to better cope with the psychological stresses
involved in confrontation. He may have developed a greater efficiency in
coordinating multiple motor skills, which is important if the components are
sound, but he undoubtedly did not improve an individual motor skill.

If the athlete depended on trial and error as a process of learning movement
motor skills throughout his whole life, he probably didn’t know that
a problem existed. If this is the case, than there was definitely no effort
made for correction.

By using SAQ drills, we can isolate problems and try to fine tune erroneous
preprogrammed information while we increase their overall warehouse
of skills. We can break down gross movement skills into components that
allow an athlete to cognitively address issues that tend to be combined
into complex reflexive compound skills.

Each motor skill should than be optimized before the athlete progresses.
If they lack the coordination or ability to perform certain motor skills as
an isolated component, which is many times the case, they lack the ability
to perform them when they are integrated into chaotic confrontational
sporting situation.

Fixing these erroneous motor skills may require 1 repetition or 1000
repetitions depending on the skill and the athlete. Once the athlete
demonstrates proficiency for each individual motor skill, the skills can
than combined into motor skill clusters, or small subsets of motor skills.

When the athlete demonstrates proficiency for coordination of skills within
a subset, subsets can be combined and the process continued.

Part II of this series will deal with the actual neural acceleration (quickness)
elements I utilize in my protocols. I will be discussing how and why I utilize
the specific drills within each workout.

*This article is an excerpt from my upcoming book “The Progressive Method”
For More Information on our training and training products check out www.pssathletics.com

Copyright ©2004 www.PssAthletics.com
Progressive Sporting Systems Inc.,
4610 South Lost Street, Terre Haute, IN 47802
Ph: 812-230-2831, Info@PssAthletics.com

Tony Reynolds, MS, CSCS, YCS Level II
President-Progressive Sporting Systems
COO- International Youth Conditioning Association
PssAthletics.com PssAthletics.com
IYCA.org IYCA.org

When facing a cash crunch, the last thing you need is to rush around from pillar to post trying to generate funds to tide over the emergency. Whether it is a medical emergency, car repair, or just bad financial planning, one way to get a breather is to avail a quick payday loan.

And, now the facility is available online. Many sites like instantcashloantillpayday.com or wegivecash.com/ will process your application online and the cash will be in your bank account the next business day. Cash advances online have simple procedures and the turnaround time is around 24 hours.

The benefits are:

1. You can solve your problem right from your home or office. All you need to do is surf the net and find a payday loan site that fulfills your needs.

2. Most sites just require you to fill in the form with details of your employment, bank account, and perhaps your pay slip. And, you will receive an immediate response online whether or not your loan is pre approved.

3. Most payday loan sites do not check your credit history or report so, even if you have a bad credit history you will still receive a loan. Check the FAQ section of the payday loan site so that you can be sure whether or not the site you are applying to will do a credit check.

4. Payday loans online offer the convenience of either depositing the amount sanctioned directly in your account or couriering the check to your doorstep.

5. The loan amount will be with you within 24 hours and this will enable you to solve your problems. However, remember payday loans are expensive so you must plan on using the loan only for a short period, ideally 14 days.

6. The online payday loan sites will process your application 24/7 and you can clear any doubts you have by emailing or chatting online with their customer service people.

7. The site will process your application within a minute through their secured channels so that you are assured that your bank and other personal information are not subject to cyber crimes. Most sites use state-of- art online security systems.

A great advantage of payday loans is that the whole process is discreet. Only you and the online site advancing the loan will know that you have availed a loan. The information will not be reported to credit reporting agencies or anyone else.

The loan however becomes payable on pay day and you must ensure that you pay back the whole amount otherwise, a roll over means you pay more to the company and then the loan will not benefit you in anyway.

Some online sites may request you to fax them your bank account statement and /or pay slip. Others just depend on the information given by you. It would be prudent for you to check the terms and conditions of the loan carefully before applying. There are many information websites like ABC Loan Guide that provide borrowers with information on various loans as well as valuable tips on how to apply for a loan.

A payday loan is expensive and must only be used in an emergency.

Andrew Bermam is a freelance writer for 1888Paydayloan.com 1888Paydayloan.com , the premier website for cheap payday loan, easy payday loan, cash advance loans, instant payday loan, payday Loan Company, payday loan store, cash advance payday loan, quick payday loan and many more. He also freelances for the Trade Finance News Site 1888pressrelease.com/Trade-Finance-1-28.html 1888pressrelease.com/Trade-Finance-1-28.html

As a reminder, a put gives an owner the right but not the
obligation to sell a certain stock, at a specific price, by a
specified date.

For this opportunity, the buyer pays a premium. The seller, who
receives the premium, is obligated to take delivery of the stock
should the buyer wish to sell the stock at the strike price by
the specified date. A strategically used put offers maximum
protection against substantial loss.

The Protective Put, also referred to as a “married put,” “puts
and stock” or “bullets,” is an ideal strategy for an investor
who wants full hedging coverage for their position.

Whereas the Covered Call Strategy will cover an investor down
only as far as the premium he receives, the protective put
strategy will protect the investor from the breakeven point down
to zero.

This strategy’s philosophy is different from the covered call
(buy-write) strategy in two major ways.

The covered call is a premium selling strategy, while the
protective put is a premium purchasing strategy; and the covered
call is most effective in a less volatile situation while the
protective put is more effective in high volatility situations.

When an investor purchases a stock, he can either sell the call
(buy-write) or buy the put (protective put) to provide a proper
hedge. The construction of the protective put position is
actually quite simple. You buy the stock and you buy the put on
a one to one ratio meaning one put for every one hundred shares.

Remember, one option contract is worth 100 shares. So, if we
have 400 shares of IBM then you would need to purchase exactly
four puts.

Number of Shares Owned Put Contracts to Buy
100 1
300 3
1700 17
9200 92
14500 145
267000 2670

From a premium standpoint, we must keep in mind that by
purchasing an option, we are paying out money as opposed to
collecting money. This means that our position must “outperform”
the amount of money that we put out which is the opposite side
of what we did in the covered call strategy.

If we were to pay $1.00 for a put and we owned stock against it,
we would need to have the stock increase in price $1.00 just for
us to break even. Unlike the covered call, the protective put
strategy has the premiums working against it, thus the stock
needs to move more to offset the cost of the put.

This is why long option strategies need more volatility than
short option strategies. Earlier we talked about the covered
call strategy needing to be done over a decent period of time (a
year or so) in order to take advantage of the odds.

We stated that selling options and collecting the premium was
the right thing to do 75% – 82% of the time. If this is true,
then buying an option and paying out premiums is only going to
be right 18% – 25% of the time.

Those are not good odds. So, you should try to stay away from
employing this strategy over a long period of time to avoid
having the odds fall against you. However, employing a
protective put can be extremely effective in the proper
situation.

Let’s take a look at the risks and rewards of the protective put
strategy over three different scenarios.

Amazing Options Trading Strategies For Safer Investing
and Explosive Profits. Discover how to protect your
investments with the leveraged power of options. Step
by step video tutorials show you how. Click here now:

There’s nothing quite like the feeling of riding a wave. It’s almost impossible to visit the ocean without at least being intrigued by the art of surfing. The easiest introduction to surfing is through bodyboarding. Bodyboards can be found in many stores and near the beach it’s not hard to find rental bodyboards.

THE LEARNING CURVE FOR BEGINNERS IS VERY LOW
First timers can go out and have fun their very first time. Even if all you are doing is riding the “whitewash” from a wave that has already broken, the sensation of being propelled towards the shore can be exhilarating in and of itself for someone who is new to the ocean.

“NATURAL” FORM OF EXERCISE
Physical activity gets the blood flowing. Being outdoors, interacting with nature and harnessing its power and directing it with your own strength to travel at light speed across the ocean is much more fulfilling than working out in a gym or swimming in a pool.

YOU SET YOUR OWN LIMITS
Bodyboarding can be as challenging of a water sport as you want to make it. You may be comfortable riding soft, easy waves or you may want to push your limits by riding larger, more powerful waves. You may be happy enjoying the rush of surfing full speed across a long, lined up wave or you may want to push your own limits by performing critical direction changes or acrobatic maneuvers either on the wave or by using its force to project you into the air above the wave.

NEGATIVE IONS
The crashing surf creates negative ions in the air. Negative ions increase blood flow to the brain, which can in turn give you an energy boost, enhance your mood, and help relieve stress.

CLEANSING OF THE MIND
When you are riding waves, your body reacts to your mind and your mind is focused only on the ocean. The troubles of everyday life are momentarily forgotten and can help clear the mind and reduce stress.

So what are you waiting for? If you are looking for a water sport with lower cost and easier learning curve than surfing then bodyboarding may be right for you. Beg for, borrow, rent (but don’t steal) bodyboard and go catch some waves!

Steve Alexander ( fullforcebodyboarding.com fullforcebodyboarding.com) is a seasoned bodyboarder with 20 years experience riding waves in California, Mexico, and Hawaii. Connections with bodyboard manufacturers including Element Bodyboarding and JL Designs have also given him insight into production aspects and he has custom-designed many of his own bodyboards.