Medium Term Notes for Trading by Matthew Roddan

Medium term notes are used to raise working capital and to improve a company’s balance sheet. Private trading programs are quite popular and banking instruments are popular trading tools. Private trading programs are an investment generating option for individuals and corporates alike, though not many have adequate funds to gain entry into such programs. On the other hand, MTNs could be acquired for larger values at discount and then used in private placement programs, says Matthew Roddan of Project Ninety Nine.

Why are MTNs in demand for PPP or Private Placement Programs as they’re called? MTNs have been around since late nineties, with amounts as less as $10 – a billion, with the current highest values crossing $75 billions! There are more than 6500 private trade programs and even big corporations like Harley Davidson, Sony Capital and LG have offered MTNs collateralizing their assets for development or expansion.

Individual investors, hedge funds and portfolio managers prefer private trading programs and play by the rules, where most of their funds are invested in one or more variants of private trading programs, says Matthew Roddan of Project Ninety Nine.  However not many individuals have large sums and many investors are lured by middlemen who take advantage of their ignorance and exploit them into giving up their funds for nothing using fraud or scams. On the other hand, there are real platforms like Project Ninety Nine where investors can pool their funds and get placed in a genuine private placement program and earn profits, which is otherwise impossible when done individually.

MTNs come in handy as they can be purchased for a discount, so one can get an instrument worth 100 million for 10 million or less. Then, it could be invested in PPPs for the duration (medium term) the instrument is valid (1 – 99 years).  As for firms, PPPs are a way to improve their financial credentials and raise capital. Without MTNs many wouldn’t have a shot at these programs, owing to the high investment required. MTNs are a way to invest in PPPs, though not many know how they work.

It is important to understand that MTN buyers do have rights and should request for POF before buying the instrument. If a potential seller refuses or show POF (Proof of Funds), stay clear from them. Remember MT103/23, MT799/999, MT760, etc. are a type of POFs and there’s no way they can avoid showing the POF.

Do you know as a buyer you have a right to see CUSIP / ISIN of the instrument you are buying?

In most cases, you are talking to a broker or middleman who claims to be a seller’s mandate, but you must understand there could be more than just this person and it could be a long chain before the direct seller or buyer is connected. Always ask how many people are involved before proceeding.

No trading platforms communicate with the end party before requirements are met and anyone claiming otherwise is not to be trusted.

While PPPs or Private Trading Programs or Private Placement Programs are real, it is important to identify the right contacts and resources to get through and make money through these programs. Of you wish to avoid fraud and scams tread carefully.

By Matthew Roddan

Discounted Cash Flow by Matthew Roddan

. Do you know stock market speculations are based on DCF? Whether it is acqui When a company’s financials are scrutinized, metrics used to evaluate the same are important. According to Wall Street, a company’s cash flow is the best indicator for a company’s performance. As such, DCF or discounted cash flow analysis is used to determine a company’s worth by estimating future cash flows.

Projected cash flows (operating profit + depreciation + amortization of goodwill - capital expenses - cash taxes - alteration in working capital) are discounted to current value using company’s weighted average costs. In short, DCF is an effective and unparalleled tool for determining share value, which is important for investors.

Also, a few financial scandals only hiked the importance of DCF. With more concerns about reliability of earnings and calculation of P/E or cash flow determination, coming up with a DCF model calls for more efforts than merely dividing share price by income or sales. However, taking this effort ensures investors get a good idea of the key factors like share value, projection of future income or profits, growth ratio, etc. Besides, DCF can’t be manipulated through aggressive accounting practices easily.

While DCF is a very useful tool, it isn’t without shortcomings. It is a mechanical valuation tool that works akin to garbage in, garbage out saying. So, any minor change or change in assumptions could lead to major differences. But, investors should always crosscheck evaluations and allow considerable margin for such changes or errors, when taking decisions. Major investment decisions should not be taken purely relying on DCF calculations alone. What if a client backs off from a contract, or what if interest rates hike unexpectedly or even a competitor cropping up with crushing prices and the firm losing most business? Remember, when expectations change, calculations or derivations based on the assumptions will change along with it! Do you know even reputed investor Warren Buffet and other financial experts and portfolio managers rely on DCF?

Discounting cash flow is tricky and it is important to remember that assuming or predicting future estimates could be meaningful or meaningless depending on the estimates taken and how reasonable they are. Besides, numbers aren’t static and keep changing with changing trends. As for investors, evaluating stock pricing is very important and DCF is a handy aid for calculating the same, says Matthew Roddan of Project Ninety Ninering a business, or a property, or investing on stock, DCF helps with speculating approximately.

Matthew Roddan

Is Money Important? By Matthew Roddan

We’ve all heard the saying “Money can’t buy happiness” several times. Funny how most of our problems are related to money or created by money! Can we really ignore money? Money is a means of exchange and a very essential commodity. Without money there’s nothing one can do today – home, education, food, medical assistance and what not, everything boils down to money.

Right from the time a life is brought into the earth, everything revolves around money. While money is not everything, is does play a key role in our lives and one can never do without it. That aside, what about businesses? Can businesses be commenced or run without money? There’s always a pursuit for money and there’s no denying the fact that enough money can bring one a secured feeling. That’s one reason why many prefer starting their own business, says Matthew Roddan of Project Ninety Nine.

With tumbling economy, many lost their jobs and were left in lurch and succumbed to not being able to manage the change or uncertainty. Even established individuals who had a career for years couldn’t take the hit and look for new opportunities, if at all there were any! By having a business, one can control their destiny and not leave it at the mercy of others – this is one reason that pushes many to start their own business.

It is one reason why many who don’t have the resources for starting a business, look for potential investors or crowd funding to start their dream and take reigns of their future. When potential entrepreneurs have profitable proposals, investors or sponsors are interested in taking the plunge, provided they’re briefed on the possibilities adequately. Matthew Roddanof Project Ninety Nine says that’s one reason why project proposals should be prepared along with financials and statistics to show potential investors. Being prepared is the key to getting funding and Project Ninety Nine brings potential entrepreneurs and investors to discuss on options and take up profitable and potential ventures.

Unlike other sites, this is a real platform where investors discuss and share knowledge and projects that catch their attention are given a thought, analyzed and the site intervenes to come up with a mutually beneficial proposal. In other words, the site stays though the ride and ensures both parties’ interests are taken care of. Handling finances the right way ensures one gets to live comfortably, secure one’s future and what not. Money is a means to an end – one’s security, which influences one’s happiness, freedom and quality of life.

Matthew Roddan

Discounted Cash Flow ~ An Overview

DCF short for discounted cash flow analysis is a way to evaluate a company, project or assets. Cash flows for the future are assumed and discounted considering cost of capital to get the current values. Sum of future cash flows outgoing or incoming is net present value (NPV) that’s taken as price or value of cash flows. Discounted cash flow analysis is used to determine the worth of an investment in simplified terms. It is used in real estate development, investment finance, patent evaluation and corporate financial management.

As Matthew Roddan from Project Ninety Nine says, understanding the probability of risk and profits is very important in an investment decision. Investment decisions are made for profits and understanding what one can expect is very important to determine the suitability of an investment. Exponential discounting is the most common method deployed for discounting, to evaluate future cash flows answering the question – what would be the returns for an investment at a specific rate of return, as against cash flow expected in the future? Hyperbolic discounting is another method, though not deployed widely. Discount rate is the right weighted average cost of capital (WACC) and it reflects cash flow risks.

Discounted cash flow analysis is important for any investor to determine if or not an investment decision is suitable. Let’s look at it this way – consider the investment as a business or a company. DCF is a way to determine a company worth currently, based on calculations for the future. Though this is a useful method, it does have hiccups. Being a mechanical evaluation tool, it is bond by a principle and even simple changes in one value could result in major changes in value. So, instead of determining values for infinity a cap is used – say 10 years. This way, estimation becomes measurable.

Besides, Discounted Cash Flow is a method that uses intrinsic valuation for companies that have predictable flow of cash. It is used for companies that have been around for a while, though it is also used for IT companies that are expected to grow swiftly. This means, when a start-up or developing firm is evaluated, the results could go right or horribly wrong! As an investor, you must be able to weigh your options and prepare for both, says Matthew Roddan of Project Ninety Nine. This way or that, evaluating an investment is important for any investor and determining the right investments is done based on calculations that are probabilities and possibilities, not a definitive. The calculated risk should be something you would be able to manage, irrespective of whether it turns our favorable or not! 

Dubai International Financial Centre By Matthew Roddan

The Dubai International Financial Centre also called DIFC is located in Emirate of Dubai and is a federal financial free zone in United Arab Emirates. Established in 2004 through a decree, DIFC is a sprawling 110 acres. Legal systems and courts are different from UAE, with a jurisdiction over commercial, corporate, employment, trusts, civil and securities law affairs. The main aim of DIFC is to offer a platform for financial and business institutions to enter in or out of emerging marks in the region and to create an ambiance for progress, growth and economic development in UAE by offering adequate infrastructure and legal backing on par with international standards.

Under the constitution of UAE, DIFC is independent judicially with commercial and civil laws different from that of UAE. DIFC laws are in English to avoid ambiguity and DIFC has courts and judges from jurisdictions with common law like Singapore, England and Hong Kong. Though DIFC has independent laws, the immigration rules and criminal law is the same as UAE. DIFC-LCIA Arbitration Centre is modeled after London Court of International Arbitration. DIFC Authority is the main governing body for DIFC and DFSA (Dubai Financial Services Authority) regulate financial services in DIFC, though it is different from UAE federal Securities and Commodities Authority that governs outside of DIFC.

Financial institutions can submit applications for a license and they’re benefitted from the 0% tax for income and profits, no limitations on Forex or profit/capital repatriation, 100% foreign ownership, business continuity and operational support amenities. Dubai International Financial Exchange is a privately owned financial exchange for DIFC and was listed as DIFX and rebranded as NASDAQ Dubai in 2008. DFSA regulates NASDAQ Dubai.

Dubai International Financial Centre Complex houses a hotel, Ritz Carlton that was opened in 2011. Dubai International Financial Centre also houses art galleries, restaurants and an array of outlets for shopping extravaganza. The Dubai shopping season has garnered acclaim worldwide and the number of tourists visiting during this season shoots through the sky. Many entrepreneurs would like to have a business established in DIFC and it isn’t surprising considering the perks and profits businesses get here. Matthew Roddan of Project Ninety Nine would recommend suitable and innovative project launch here, when an able leader is helming it.

The location of a business is very important and DIFC is one location businesses should consider. Not just for expansions, even new launches that are good would sure thrive and flourish here. There’s a reason why it is called Financial Centre and you must try it, to believe it.

By Matthew Roddan

What’s a Medium Term Note?

Medium-term note or MTN is when a debt note maturity period is 5 – 10 years, though technically the repayment duration or maturity period could be less than a year to a 100 years! These debt notes can be issued on floating or fixed coupon basis. Floating rate MTNs are either simple where the coupon is aligned

Euribor +/- basis points or it could be notes with complex structure and linked to indices, swap treasuries, etc.  If they’re issued to investors who aren’t residents of the US, they’re termed "Euro Medium Term Notes". Issuing MTNs to US-based investors calls for a US MTN program.

MTNs can come with fixed maturity date or come with put options, embedded call wherein MTNs could be redeemed per pre-accepted terms or speculations. MTN is usually issued for unsecured investment debts, with fixed rates, though it offers flexibility to both the issuer and investor when it comes to documentation and structure. While many use bank instruments for PPP and have an idea of how MTNs work, many don’t know how it really works! It is funny how they’re rising in popularity and many deploy it for different purposes, without knowing how these instruments work or what it really is! Matthew Roddan of Project Ninety Nine explains MTNs are a great way to get into PPP, especially since not many have the funds required to invest in PPP from their resources. Since PPP is gaining exposure and many would like to know if or not PPPs are what stuffs that make a mythical legend, let’s understand MTNs better.

According to Matthew Roddan, many aspire to invest in PPP but end up being unable to do so by trusting wrong people (brokers) or because they don’t have enough resources. The former is truer and why many think PPPs don’t exist. So, let’s understand MTNs better and how they can be used for PPP. MTNs are instruments of debt issued by banks and are sold to investors with a good face value, annual interest rate and maturity date. So, if you hold a note from Bank of America that’s worth 100 million, with interest rate of 7% each year, you will get 7 million till the instrument matures, after which you can cash it for its worth!

While MTNs are very similar to debt notes, it is more popular because of its price, flexibility, resale potential and option to be bought at a discount instead of its face value. According to Matthew Roddan from Project Ninety Nine, MTNs are available for more than fifty years and can effectively compete with any bank instrument. Since they were available for discounted rate, it became popular after “trading bank instruments” gained notoriety in the secondary market. PPP reign began soon after and Internet has made it even more popular and widely available. If you have an interest in PPP, MTNs Project Ninety Nine are your go-to option.

By Matthew Roddan

Matthew Roddan

Matthew Roddan is the founder of Project 99 an innovative and new approach to project funding, providing funding solutions to projects throughout the world.

Matthew now offers only distinct consultancy services on a referral only basis. This work includes four major elements starting with forming private equity and similar entities; working on transactions for such funds; working on a wide array of cross-border joint ventures involving emerging markets and ending with working on various infrastructure projects in emerging markets which includes a wide range of credit & capital raise real estate based projects.

His works as a representative includes setting up a collective investment scheme investing in offline agreements for the purchase of gold in Africa, Central and Eastern Europe, southeastern Europe and African areas.

He has also represented many private companies in making various investments in developments that include financing and restructuring of investments, establishing joint ventures connected to construction, real estate, financial and franchise projects in Africa, central & South America, South Asia and the Middle East regions.

Dealing with high net worth individuals in debt finance programs and advising on their risk or reward structure is another area of work as a representative.

Matthews work with Project99 involves the establishment of banking facilities for clients in jurisdictions such as Singapore, Dubai and Liechtenstein. Clients funds remain under their control at all times whilst also being able to leverage the funds for use in managed buy sell programs. The nature of the funding mechanisms offered require specialist knowledge and understanding of the the sale and purchase of bank debt.

Designer Handcrafted Jewelry - From Idea to Reality

Individuals going by displays, craftsmanship shows or boutiques regularly think about how creator high quality adornments is made. They regularly ask, "Where do adornments plans originate from?" or "How does the craftsman plan this gems?" actually, numerous craftsmen can't let you know precisely where outlines originate from, however they can impart how they go about planning gems. There the same number of distinctive methodologies to making architect hand tailored gems as there are craftsmen working. A few specialists have a style or a "marked look" with particular stone consolidations or methods that give a beginning stage for their outlines. Different craftsmen make appointed pieces where the outline weds the particular needs of the customer with the specifics of a current bit of gems. Maybe the most trying for craftsmen is to begin a configuration sans preparation.

Numerous specialists say that spark is constantly. They are mindful of the visual assets in their surroundings. Whether it is the flawless colors of tropical reptiles, the wavy wrapping of a fowl's home, the mechanics of a doorbell or molded and designed seashells, the cadence, color and examples sparkle imagination and the start of new outlines. Actually when craftsmen use comparable outline sources, it does mean they will make the same adornments item. Two specialists utilizing a butterfly topic or theme as their enthusiasm will produce distinctive methodologies to the outline process. A butterfly subject may turn into an ornament encrusted with vivid, faceted gemstones or it might be made from fine silver, then pounded to make easing and patinated with chemicals to make a dim, rich metallic surface. That is the reason originator carefully assembled adornments is so captivating.

Outline Elements

Taking a gander at the completed item, individuals likewise think about how craftsmen know whether a piece has great configuration. How do craftsmen choose what plans to utilize? Line, shape, shade and composition are rudiments that most craftsmen consider when planning gems. They likewise consider whether the piece has complexity, parity, asymmetry/asymmetry, a point of convergence, and extent. Off and on again the void or the space not topped off, called negative space, is the most vital part of an outline. Craftsmen normally see the piece from numerous diverse points, even upside down, to all the more effortlessly dissect and separate the distinctive configuration qualities or shortcomings. Whether a piece passes on an inclination or disposition or how well it capacities is additionally considered at this configuration stage. Pieces of jewelry that are imbalanced, fastens that are uncomfortable on the neck, rings that are excessively thick between the fingers are issues that craftsmen must determination when outlining.

Obviously, there are numerous distinctive strategies and gems forms that can likewise focus the general look and feel of adornments. Produced metal may concentrate all the more on line and development yet not shade. Surface can be made through pounding or processing. Alleviation can be made through repousse work or granulation. To make element bits of gems, the piece will have great stream and reason the eye to move surrounding it. To find the best of numerous choices, architects need to investigate or in any event be mindful of every last one of alternatives open to them and afterward select those that will make the most intriguing and lovely piece.

Fingerprints

The best originator hand tailored adornments is "fingerprinted"; that is, it bears the imprint, the remarkable look and feel of the craftsman who made it. As adornments originators center their creative strategies and sharpen their eye to visual subjects, they will create a totally individual style or "brand" that can regularly be distinguished by others. Some of the time what starts as a mix-up, a light melts the edge of silver, or a patina goes darker than anticipated, can be a state of flight for a craftsman to work harder to flawless a procedure. At different times, the "mix-up" prompts new disclosures and better approaches for working a media, which then can recognize the work of that craftsman. Plans of adornments specialists are unique, not recently replicated from something or another person. By understanding and utilizing the components of outline, the craftsmen can deliberately change their unique impulse or beginning stage into a completely new creation. There are no true plan "principles", simply great configuration.

Online Gambling Bonuses - Scams Or Worth It

Bonus Structure

If you have ever looked in to online betting, whether it be poker, casino, or sports betting, you have surely seen countless offers of free bonuses for making your first deposit. These bonuses are usually match bonuses, and give players dollar in bonus funds for every dollar they deposit. To a layman, it looks like you could get tens of thousands of free dollars in day in case you signed up and deposited at all of the various online betting sites. However, there is more to these bonuses than meets the eye. This editorial will look at a few online betting bonuses and show why they are not what they appear.

Clearing Requirements

The large majority of online betting bonuses are "match bonuses", usually in the range of 100% up to $500 in total size. In the case of a 100% up to $500 bonus, players will receive dollar in bonus funds for every dollar they deposit, up to $500. Besides the normal first time deposit bonuses, betting sites will also often offer "reload bonuses", which offer players with bonuses for making later deposits. Reload bonuses are usually smaller in percentage, right around the range of 25% up to $400 or so.

Ok, so here's the catch. When you actually redeem of these betting bonuses, you need to "clear" the bonus funds before it is yours to withdraw. This is how the site protects themself from taking major losses every time they give out a bonus. Most bonuses either need you to earn a definite number of player points at the respective betting site, or they need you to bet a definite amount of funds before you can withdraw the bonus.

 every online poker room makes use of the player points method, and they measure your point accumulation based on how much rake you accumulate. To clear an average online poker bonus, you are probably taking a look at playing thousands if not tens of thousands of hands, depending on the size of the bonus and the individual site's owner. example of a poker site that makes use of this method is Full Tilt Poker.

Types Of Websites And When To Use Them (Sales Page, Brochure Ware, Ecommerce, Flash Web Sites, Etc)

Corporate web pages: this is step for most companies when they choose to build their home on the net. Corporate web pages are much like corporate presentation in a web friendly form. They provide knowledge to users about the company & also provide contact knowledge. The corporate website is useful for companies who are planning to make use of the world wide website as a marketing gizmo.
Personal web pages: as the name suggests, personal web pages are web pages which belong to individuals & they have their personal profile featured on it along with any thing that they have an active interest in. A personal website is usually targeted to a person's relatives & friends & has limited viewer ship. Personal web pages are simple to put together & you may even do it yourself with the help of some web pages.
Flash web pages: Flash as you might already know is of the leading web technologies which exist today. Flash lets you make an audio video friendly website which can act as a great way to promote a product or a service. Lots of people relate flash to digital format of tv & in a way it is true. Flash web pages tend to be rich with graphics & effects as well as a well designed flash website is bound to impress the user & generate the desired effect. Flash web pages are deployed by luxury product companies & consumer product companies to generate a long-lasting impression on the users.
Sales pages: Occasionally you would come across a website which has a couple of long pages which has lots of client comments & knowledge about a product. These sites are actually sales pages or landing pages of services or products which are sold online. E-books & online courses have sales pages which help promote them online & these cannot be clubbed with the conventional types of web pages.
E commerce web pages: Increasingly corporate web pages are moving towards the e commerce direction. In the event you have a product which you can sell online, the idea is that you ought to. Online sales are increasing at a nice pace & lots of offline retailers are venturing in to online modes. E commerce web pages are those which let you buy something online & complete a transaction by paying for it online as well. E commerce web pages require interaction with some third party web pages to be able to provide you this service & can be complicated to generate but a nice e commerce website has the potential to provide an excellent revenue stream for a business.
The above listed types are the common types of web pages & though they might be some specialization within these categories, they more or less cover the whole gamut of web pages which exist today. Here is a sample of our professional web design capabilities, showing you the best website design in Manchester, in addition to website design, they offer website design packages including website design & hosting. Whatever web design service you require our web design & development work holds the quality that your corporate website deserves.

The Three Day Potty Training

The 3 day potty training or Intensive toilet training methods have become increasingly popular due to the demands of modern living and parent's time. Often, parents have to "schedule" time to take care of teaching this essential skill to their toddler. The benefits of using an intensive method far outweigh the drawbacks in trying to "let it take care of itself" and responsible parenthood requires taking the time.

I used Carol Cline's 3 day potty training method and found it simple to understand, implement and very useful. It was a successful method for us and I wrote the following article as a guide for parents who are considering using this method. It is simply a quick overview of what the book covers, chapter by chapter, so you can have an idea of what kind of content is in the book before you buy.

The book describes how to potty train in 3 days. It is 136 pages long and can easily be read in a few hours. I would imagine that the book is engagingly read by all parents about to embark on toilet training toddlers. However, Carol Cline intersperses the methodology with an historical overview of the process and general advice, gained from experience, of what to expect from your toddler during this time and also what you may experience yourself.

Chapter 1: The first chapter debunks the modern myth that children can toilet train themselves and that the later parents leave it to toilet train their children, the easier it will be. Children are potty trained later in the USA and Canada than in most of the world. She promotes a potty training method that is child centred and caring; but one that is also consistent and achieves results. Her belief is that potty training is a mutual achievement between the child and the parent and will deepen the relationship between them. This premise is carried throughout the book.

Chapter 2: This chapter sets out what is the best age to start potty training and includes guidelines for potty training toddlers aged between 18-24 months old with specific advice for parents who are trying to potty train older children.

Chapter 3: The key to successful potty training is knowing when your child is ready. This chapter goes into detail on the potty training readiness signs so you will know when the best time to start potty training your child is.

Chapter 4: Believe it or not, you need to prepare yourself first and then prepare your child. This chapter takes you through the necessity of relaxing through the process, how to handle your own expectations, what you should expect using the method, what to do and what not to do.

Chapter 5: This chapter takes you from your own expectations and the "adult mind" into the mind of your child so you can prepare them for their journey ahead. It explains the sequence of how children learn which helps you know what's going on. It also details what you can do beforehand to make the learning process easier e.g. taking "no-pressure" potty breaks before you actually start training so your child starts to become familiar with the process.

Chapter 6 and 7: These chapters take you step-by-step through what you need to have done before you start your "potty training in 3 days method" from clearing your schedule to the best foods to buy at the supermarket.

Chapter 8: This is the heart of the book. The pre-potty training "work" in the preceding chapters is not onerous and if the advice in them is followed, you will have done a lot of preparation that will reap rewards on your potty training days. The method is not set in stone but can be adapted to suit your family situation and needs. However, it does emphasise the need to be persistent, consistent, patient, loving and staying positive. It is a method that works with your child and treats them kindly throughout the process. It is a child centered approach that refocuses the adult mind into thinking of the world of a child. One of the best things about this method is that Carol Cline describes a very simple tool to encourage your toddler to use the potty that avoids the perennial "no".

The chapter also includes advice about night time potty training and observations and insights from other parents who have used the method. I found the chapter very, very useful - not least because of the methodology itself. It walks you through what you should expect, how you may feel, what to do if it goes badly and even what to do if it goes well!

Chapter 9: This chapter is a surprise inclusion. For those of us who are a little "rusty" on biology 101, this is the chapter to read! It is a basic biology lesson on our bodily functions. It then gives advice and guidance on how to ensure children adopt a healthy urination and bowel movement pattern.

Chapter 10: This is the chapter where Carol Cline leads you past thinking in terms of just potty training at home. It details how to approach potty training with your child's entire development and social situation in mind. As such it extends to teaching your child how to wipe their bum (with a novel system that won't block your plumbing with toilet paper) and how to wash their hands. At the end of the chapter, you won't be thinking about your child as a potty training toddler but as a "big kid" able to handle himself at kindergarten and pre-school.

Chapter 11: If you are about to start potty training a boy, a girl or twins this chapter will prove invaluable. It dismisses some of the myths and re-inforces the belief that every child is an individual. It deals with some typical obstacles and how to get past them in a positive way. If potty training has not worked for you in the past, or if you have a particularly stubborn child, then Carol Cline provides some very good adaptations to the method to cope with this situation. From the child's perspective, Carol Cline again puts you in their shoes and deals with some common fears your child may have and how to deal with them. I found the part on incentives and rewards particularly useful and it is something that I have put into practice in other areas of my parenting.

Chapter 12: Parents of children with Autism, Asperger's and Down Syndrome face particular challenges in trying to potty train. The chapter deals with these issues and covers area such as language issues, sensory problems, the stress of learning a new skill and visual aids to potty training. It also includes some observations and advice from parents who have been through and are going through a similar situation.

Chapter 13: This covers in a little more detail the "bumps in the road" and how to respond to them in a positive way.

Chapter 14: It may be that you feel that your child may have a medical problem and this chapter points you in the right direction on how to recognise it and what to do about it.

Chapter 15: "Out in the world" is the title of this chapter and this is where you will spend most of your time with your potty training toddler! It covers everything from going to the mall and on long haul flights; what to bring and suggestions for how to explain to your toddler about "special situations". Like any parent, I found planning trips and outings more stressful than I would like in the beginning and Carol Cline puts it into perspective so you can emerge from a trip to the mall having enjoyed yourself rather than making potty training the centre of your world.

In order to gain the most from the book, I would suggest purchasing it a month before you plan to potty train. You will have the time to read the book a few times and really absorb the methodology. This makes it easier to "get ahead" on the practical stuff like clearing your schedule and getting everything organised.

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