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Hiring Effective Sales People Worldwide!

2007-11-16T15:40:00.000-08:00

APIMage is now hiring effective sales people all over the world to invite prospects to a presentation and close sales utilizing its 10K A Week Wealth Creation System released by Make Money Or Make Excuses creator and CEO of Mentors On A Mission, Al Turnquist. Dornessa Harris says, Al has done it again by creating the best sales job in the world to help level the playing field between Newbies and Experienced home based business owners.

Al Turnquist is paving the path for individuals who want financial freedom by implementing a sales job opportunity that teaches home based business owners how to leverage their time by hiring sales professionals to make calls on their behalf. Due to this cleverly designed income opportunity, Jaguar Marketing System members are able to be in positive cash flow within days of implementation. Named the 10K A Week Wealth Creation System allows effective sales people to earn $400 or $1000 per sale while system owners attend online classes to learn to market their primary business.

The 10K A Week Wealth Creation System takes the meaning of online sales job and financial freedom to a new level. Successful sales people are earning $3,000 to $5,000 per week from home and they are being paid daily. There is no prospecting or presenting. System owners provide the leads. Successful candidates simply work from the comfort of their home, in their own time, fulltime or part-time as an independent contractor on commission.

The 10K A Week Wealth Creation System comes with a Money Back Guarantee. It takes the mystery out of making money online and brings a breath of fresh air to an industry that reportedly has a 95% failure rate. The home based business industry is in desperate need of a big fix. APImage in conjunction with Al Turnquist and the Jaguar Marketing System has created a solution to this growing problem, Effective sales professionals and the $10K A Week Wealth Creation System is creating a following like never before of individuals wanting to make money from home. This has got to be the most exciting business opportunity worldwide.

Sales people who wish to take on the responsibility of creating their own substantial income working from home have a realistic chance to thrive without punching a clock. The 10K A Week Wealth Creation System is backed by a 45 day guarantee which further demonstrates the integrity of the program and provides eager candidates with the essential tools required to be successful.

As a result, Jaguar Marketing System owners are able to earn in excess of $10,000 in any given week.

The Sales Job Description entails:

1. No Prospecting for leads!

2. No Presenting!

3. No Traveling!

Dornessa Harris is an online mentoring coach; trainer and owner of http://www.make1000adayfromhome.com who has help thousands of individual become financially free.Mortgage Lead Programs
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Making this Bad Credit Loan the Last Youll Ever Need

2007-11-16T15:39:00.000-08:00

If you are suffering from bad credit in any form, you probably want to do everything you can to clean things up so you can enjoy the world of good credit again. After all, in the media and from talks with the majority of mortgage brokers and big lenders, chances are youve been told that bad credit wont get you anywhere ever. The great news is thats rubbish! Working in the bad credit mortgage industry, I personally know that people with bad credit are securing mortgages good ones with reasonable interest rates every day. You can too, and when you do, its important to decide immediately that this bad credit loan will be your last ever!

This Bad Credit Loan will be the Last!

It might sound depressing saying that something will be the very last ever, however when it comes to bad credit loans, Im pretty sure youll agree with me that its a good thing to decide that it will be your last. Thats because once you secure your bad credit loan, you will be well on your way to cleaning up your financial house to make sure you achieve good credit and a financially secure situation again or perhaps for the very first time! After saying this, perhaps you are saying, Yeah Julian, all very well and good for a money expert like you to say, make this bad credit loan your last, but I have a history of bad credit and poor money decisions? My response to that is, So what! Even with the strongest history of poor money management, bad credit mortgage experts worth their salt can work with you to change your bad money habits and turn them into good ones that will result in lasting financial security. Hold me to that, because now Im going to show you how!

How to make this Bad Credit Loan Your Last one Ever!

Sure, Ive made a pretty amazing statement in the previous section, and now Im going to show you how you can ensure this bad credit loan is the very last one youll ever have because its going to be the last one youll ever need!

Its quite easy and straightforward to achieve this, so here goes:

Find a bad credit mortgage expert who knows what they are doing: It is critical that you choose to work with a reputable bad credit mortgage expert! Good specialists in bad credit mortgages will secure competitive mortgages for people with all sorts of financial problems. Sounds drastic right? It gets better! These experts dont just secure their clients a good home loan though. They also make sure their clients are prepared to succeed both now and into the future.

Good money management: If you are dealing with a credible bad credit mortgage expert, and you arent mortgage ready when you walk through their doors for the first time, they work with you to get you ready. Its all about good money management, and no, its not rocket science. It is discipline though. You make the decision to turn from your bad credit ways and you stick to that decision. Then you go to a bad credit mortgage specialist for your credit redemption! Sounds pretty dramatic, however its true. Bad credit isnt the end, because every day bad credit clients prepare for a better financial future and secure home loans even people with personal bankruptcy! The reality is that for every financial problem, there is always a solution. That solution is good money management. Reputable bad credit mortgage experts teach every client they work with, how to regain control of their finances, and for some it may be the very first time they have that control. These specialists teach their clients how to keep control as well, which prepares the client for a successful financial future. Once a bad credit mortgage specialist secures a home loan for their client, they will also walk away with a plan to follow that will ensure they will find a life of good credit at the end of the rainbow.

Get a bookkeeper: A bookkeeper will really help you to keep on top of your financial situation, so find a good one and hire them! At least this way you will be up-to-date with everything and know what money is coming in and what money is going out.

Stick to your cash flow plan: You are paying a certain amount off your mortgage each month according to your budget. You must stick to your budget. One way to ensure you never go beyond your budget is to donate what you deem to be a significant amount of money, to a cause you do not support. For instance, if you have a fear of birds, donate money to a bird society. Do this even if you go over budget by just a few dollars. It will keep you disciplined.

Stay Motivated: Think about what you want to do once you are financially stable and secure. Pin photographs of your dream home, car or holiday destination on your corkboard, so you can see it as you work. Set goals and remind yourself of them. Try reading rags to riches stories as well, because they will definitely inspire you. All of these things will help you stay on track.

How to Get Your Last Bad Credit Loan Ever!

Forget the banks, because they wont touch anybody with bad credit! Find an experienced bad credit mortgage broker who will work with you so youll get a great home loan to suit your needs, and the guidance you need to ensure your financial future is bright. Say goodbye to bad credit once and for all!

© Julian Thornton, Designer Mortgage Solutions Pty Ltd, 2006.

Julian Thornton is a Melbourne-based mortgage specialist who owns and operates the highly successful Designer Mortgage Solutions Pty Ltd. Although specializing in the field of bad credit mortgages and debt elimination, Julian can help anybody into their own home and prepare them for financial success. Julian can be contacted by email at julian@designermortgagesolutions.com.au or by telephone on 03 9556 5431. Further information is also available at www.designermortgagesolutions.com.au .Mortgage Leads
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Tips on Making Beautiful Floral Arrangements

2007-11-10T23:44:00.000-08:00

Do you have your own flower garden and would like to make some use of it? Are you fond of crafts and do it your self decorative projects? Would you like to make some homemade floral arrangements to further accent your home or to give away as gifts? If this sounds like you, then please read on for some tips on making beautiful floral arrangements.

To start your floral arrangements, you will first need something to put your flowers in. Get a vase or some other container that is decorative and also holds water. Before you start your floral arrangements, you may want to consider further decorating the vase or container by spraying it with gold or bronze spray paint. Let it dry for 24 hours and then spray on a coat of clear enamel spray. This will give your arrangement a more decorative feel.

Next, you need a base for your floral arrangements. The base is used for the flowers to have something to anchor to. You can use a ball of willow branches, grapevine, or floral foam that you can buy at a local craft store. The floral foam is called Oasis. If you use Oasis, be sure to soak it in water and poke holes in it with a pen before you put flowers it so that it doesn't break the stems.

When cutting flowers for floral arrangements, try to do so early in the day or morning. This is because the stems have more water in them at this point of the day and the flowers are not drooping. Be sure to only use cold water in the flower arrangement because warm water tends to make the flowers open up too soon and not last as long.

If you want your flowers to last longer, you can places apple and lemon wedges in the water at the bottom of the floral arrangements. The apples have nutrients that will help feed the flowers, while the lemons prevent premature rotting and browning. It also adds a more decorative touch to your flower arrangements.

When designing your flower arrangements, try to pick colors that go with the environment the arrangement will be placed in. First use taller flowers to create the vertical part of the arrangement. Then use full blooming flowers with bright and bold colors for the center and sides of the floral arrangements. Then fill in the small gaps with tiny flowers.

Those were some great tips on making beautiful floral arrangements. If you use all of these tips in conjunction with each other, you are sure to have a long lasting floral arrangement. With a little practice, you can be well on your way to having beautiful floral arrangements that rival those found in floral shops!

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How to Quit your Day Job with Turnkey Websites

2007-11-10T23:43:00.000-08:00

It's one of the hottest searched terms on the internet right now: Turnkey Websites.

What are they exactly? According to Wikipedia, The term turnkey is often used in the technology industry, most commonly to describe pre-built computer "packages" in which everything needed to perform a certain type of task is put together by the supplier and sold as a bundle.

In other words, turnkey websites usually refers to getting a pre-built fully-loaded website for one low price, including its domain name, design, images, programming and at times, also the dropshipper contact info to deliver the products if it's an e-commerce website or the ebooks that the website is selling.

How exactly do you make a living with turnkey websites? By getting them through a low cost turnkey website provider and selling them over and over again on venues like ebay not only do you secure the customer's money with the final cost of the auction, but you secure this same customer as your hosting customer who will pay you around $9.95 every month for however long they keep their website.

But you know nothing about servers and the hosting business? So what most of my hosting resellers have never even owned an html editor before, but they're making thousands of dollars a month following my user-friendly plan. Here is exactly what you need to make a lot of money by selling turnkey websites:

1. A hosting reseller account (http://www.designshrine.net/host/reseller.html)
2. A membership to a turnkey website provider (http://www.designshrinephpfactory.com/)
3. A free html editor (we recommend NVU)
4. An ftp program (we recommend FlashFXP)
5. An account with ebay

That's it! Here is the process:

1. You log into your turnkey website membership and download, say, one of the Real Estate websites.

2. You purchase a domain for it and set the Domain Name Servers to your hosting reseller account (i.e. ns1.yoursite.com and ns2.yoursite.)

3. You install the downloaded turnkey website to your hosting reseller server.

4. You list it on eBay with the description that they will win this fabulous Turnkey Real Estate website and it is REQUIRED THAT THEY HOST THE SITE WITH YOU for $9.95 per month (or whatever you want to charge).

4. Auction ends and let's says you made $175 for the website alone, on the low side. You just made $175 PLUS WHO KNOWS HOW LONG IN RESIDUAL INCOME from the $9.95 per month! We have resellers making about $12,000 per month within one and a half years, but you can realistically expect about $2000 per month within the first 8 months or less.

5. You next install a Term Paper Store with a snappy domain and once again, you made another $9.95 per month.

6. Then the ebook store gets you another $9.95 per month.

TURNKEY WEBSITE SELLING IS GREAT BUT THE REAL MONEY IS IN THE HOSTING. You get the idea. You're selling information.

The only requirements of most turnkey website membership stores is that you are required to sell their websites with a domain already installed onto your server. You can never sell the script as they do or your account will be terminated.

This is not a get rich quick scheme or a slap 'em up website that you hope will make you money just by existing on the internet that NEVER happens. Like any business, it takes some sweat equity but not very much. Normally it takes about 2 hours per day in installing websites (usually takes about 5 10 minutes each) and answering questions from potential buyers.

When you quit your day job, you will have so many customers that you will be working 8 hours a day as I do, but it's all worth it working at home or your own office with no one to answer to but yourself is worth everything in the world!

Ty Wenzel is a respected author and award-winning web-designer located in East Hampton, NY. She is also an eBay expert who caters to first-time entrepreneurs who would like to make money online with the use of her turnkey websites at Design Shrine PHP Factory. Her turnkey websites can be viewed with demos at http://www.designshrinephpfactory.com and her hosting reseller program can be viewed at http://www.designshrine.net/store/cpanel-hosting-reseller-unlimited-space-bandwidth-domains-p-342.html.Live Mortgage Leads
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An Effective Marketing Tip Means Business

2007-11-10T21:41:00.000-08:00

Is your business just coasting along? Has it been awhile since youve noticed a peak in sales? Are you looking for a way to increase business? An effective marketing tip could really make a positive difference in your business. There are many marketing ideas available to the entrepreneur. Finding one that works for you may require some research and perhaps even trial and error. No doubt with the right advice and venue, you can find a marketing tip that will result in business growth.

An effective marketing tip for one business may not work well for your business. The first step to take in determining what might work well for you is to figure out who your target audience is. For example, if you were promoting skin care, your target audience would likely be female. An effective marketing tip in this case would be to advertise in womens magazines, on the womens television network and any other venues that cater to the female population. Another great marketing tip in this scenario might be to set up a booth in a high traffic shopping area and provide complementary facials. Tradeshows are also great venues for promoting skin care. Either of these ideas used as a marketing tip could be quite beneficial and mean business.

Many individuals are taking advantage of the worldwide access provided by doing business online. Web site promotion is a marketing tip that has been increasing sales for many companies and businesses in recent years. Using web site promotion as a marketing tip requires some work and may mean the need to hire a professional web designer. However, if this marketing tip proves to be effective, the money spent would have been well worth it.

If looking for a marketing tip that might help your business, browsing the Internet for similar products or services may prove to be beneficial. Researching what other individuals are doing to attract business would provide you with prospective methods of marketing your product or service. If you see that a specific marketing strategy is having a positive impact on a similar business, it would certainly be worth implementing in your marketing plan. Nobody is ever happy when their business is taking a downward spiral. It would be so much nicer to see sales increase and business sky-rocket. An effective marketing tip could put you at the top of your game and make the competition sit up and take notice.

Mario Churchill is a freelance author and has written many articles on business marketing. For more information checkout http://www.marketingforsuccess.com.Live Mortgage Leads
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Finding a Cuckoo Clock Repair Service

2007-11-10T21:40:00.000-08:00

Weights hanging from the bottom of your cuckoo clock keep it running smoothly and accurately. Some cuckoo clocks have two weights and some have three. Since the internal working parts for these two types of timing mechanisms are different, the prices for repairing them will be different no matter where you go or who does the work. Since cuckoo clocks can be purchased for prices ranging from as little as $39.99 for mass produced, discontinued or used items, to as much as many thousands of dollars for pristine, well maintained older versions by acknowledged craftsmen, you should take into account the value of your individual item before you attempt to have anything repaired.

As always, the handcrafted items that decorate the cuckoo clock are only repairable by an equally talented artist or craftsman, so you may have to make do with some sort of damage to the appearance of your cuckoo clock rather than having it professionally repaired. If such a tragedy occurs, it may be worth trying to spend some quality time with your cuckoo clock, some crazy glue and a paint brush and simply do the best you can. Obviously, a museum quality antique cuckoo clock may require the work of some well-trained repair artist or even the original artist if hes still around, to repair damage to the appearance of the cuckoo clock or the faade. For most, however, the Internet provides a number of companies who specializing in repairs, regardless of the age or who manufacturer of the cuckoo clocks.

One of the most popular repair websites on the Internet is the aptly named howtorepairclocks.com. Displaying expertise and quite extensive knowledge about all manner of timepieces, modern as well as antiques, howtorepairclocks.com will run you through a series of questions and inform you about simple, at home repairs you might want to try before sending your treasured timepiece to them for repairs. Their frequently asked questions page has saved many a cuckoo clock owner from the hassle of having to pack their cuckoo clock in protective shipping gear and send it to the company for repair.

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5 Things You Must Have To Succeed In Affiliate Marketing

2007-11-10T19:39:00.001-08:00

The idea of being mere passengers on a ship meant to sail to the farthest points does not appeal to people who like to put their destiny into their own hands. They have the desire of maneuvering the ships themselves, of being able to be the ones to take it anywhere they want to. Being aboard a ship on its way to a particularly great destination is something each and every one of them dreams of, and the knowledge that they have the capacity to steer it themselves is what makes them actually want to.

Perhaps this is the reason why more and more people are succumbing to one of the most popular businesses around affiliate marketing. It is because in this business, there are no bosses to order the employees around. There are no deadlines to meet and no clutter of work do to. One only needs to be equipped with the tools needed to succeed in a business such as this, and he is bound to get what his heart ultimately desires.

Just what are the things needed to be able to succeed in affiliate marketing? What must one have within himself to be able to do well in this industry? There is a lot of competition involved in affiliate marketing, and to be able to rise above the norm, one must be equipped with just the right stuff necessary to propel him forward. There are five things one must ultimately possess if he wants to achieve the glory he is yearning for in this business, and these five things are a must for him to possess to be able to stand out among the rest.

The very first quality one must possess if he wants to try his hand in affiliate marketing is the willingness to learn and be trained. Treading through unfamiliar territory is scary stuff if one is not properly equipped, and he might get lost amidst a jungle of the unknown. Learning the tricks of the trade is also an important aspect of the game, and ones willingness to know it all will give him far better advantages in the business than he could ever imagine.

The second quality one must possess is the willingness to invest time and effort even if direct results do not seem at all apparent. Although several months may pass without good news, it is important for one who has his foot in the industry to hold on and wait. It is this quality which would save him from giving up after investing a lot of himself in the business.

The third quality one must possess is self-determination. If one wants to conquer the affiliate marketing world, he must have the ability to push himself ahead. Never having to say die is a quality each and every affiliate marketer should possess, and the ability to motivate oneself into scaling greater heights is an ability which would actually take an affiliate marketer there.

The fourth quality one must possess is discipline. If one knows how to teach himself to work everyday with all the energy he can muster, then he is close to achieving what he has set his heart to having in the first place.

The fifth and last quality one must possess is optimism. Negative attitudes and hearsays should not discourage an affiliate marketer from pursuing what he has to in order to make life better for himself and for everyone concerned. Neither should anyone influence his attitude toward the business, because once in it, it is a must for him to be the captain of his ship and the master of his soul.

The ingredients to success in a business such as affiliate marketing are diverse and manifold, but the most important thing one needs to be able to make it big lies in himself alone. It is he who has the capacity to do everything to be able to realize his prospects, and the desire which fuels his heart in doing so is the gasoline which should keep the engine going.

Affiliate marketing is all about putting ones fate into his own hands. The right attitude is the key to being able to steer ones ship into that part of the ocean where a certain kind of serenity can be found, one that permeates the atmosphere as the ship sails calmly on.

Cheryline Lawson, online marketing: putting affiliate programs and joint venturing together for added success. Visit these websites today to learn more: http://www.moneywithjointventures.com, http://www.jointventuretoday.com, and http://www.fiveincomestreams.com Exclusive Mortgage Leads
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Marketing Strategies For Your Business / Identifying the Ideal Client

2007-11-10T19:39:00.000-08:00

As you may recall, I mentioned there are several marketing strategies to fundamentally build a business. The strategies are simple but not always easy, however, if they are coupled with vision, vigor and a little tenacity, both business and life can be enjoyed with ease and results produced with velocity.

Remember as these strategies unfold in your reading, I never said it would be easy, however I am saying, it "can" be done with ease AND velocity with the right energy going in the right direction.

And you must keep in mind that you will have to address what I called the "human condition."

When I first thought I understood the strategies unfolding before you, my first reaction was "I already know that". I knew they worked but the truth of the matter was my bank account did not reflect that I really "knew" them or better yet understood them or "implemented" them. I'm sure you've experienced thinking you know something but your results prove otherwise, right?

The thing that will come between you and success is the "human condition", your barriers, road blocks, and what you think you already know. Be aware of the barriers and road blocks as you read these:

Vision must be first After determining your vision, you must:

* Include your vision in the marketing materials.

* Tie your vision into your product or service.

Remember I said vision is the foundation and basis from which you will operate. It is the foundation for your every move, your every action. The vision you create is also uniquely yours, therefore bringing a competitive edge to the market place. Communicating your vision and tying your product and service together effectively are vitally important.

Another critical part of effective marketing is identifying the "ideal" client.

Some people start a business for one of three reasons:

Inspiration some begin inspired by an idea, something they've experienced or have seen or by someone else they've admired. They don't spend the time to first take inventory and look within to determine their true heart's longing, therefore the business is set up to fail from the very beginning. Their heart isn't in it and neither commitment nor vision has been established. In some, not all, but some cases, inspiration is short lived and then one is left with the reality of what it takes to have a business not only survive but thrive in today's market place. The reality of what it really takes may force one to quit.

Desperation some start a business because they have to do something. Perhaps circumstances of a lost job, injury or need for additional income causes one to start a business. And while some of those reasons are motivation enough to keep you in action, the success of the business lies in the heart of desperation rather than an authentic place -an authentic place which pulls you "freely" to succeed which vision will create. Desperation tends to create obstacles and challenges that aren't welcomed or desired.

Vision and purpose the most successful "fulfilled" business owner starts the business with vision and purpose in mind. Steven Covey says "Start with the end in mind"The successful and effective individual will do just that, begin with the "vision" in mind, identify who they want to work with, find out what they need and want and provide it. After going through this process, you will have begun establishing the ideal client.

As you inquire into finding the ideal client:

Some questions to ask yourself are:

Who do I want to work with? What do they need and want? Taking inventory of my vision, who is a fit for me to work with? Who is ready to do business right now? Who is ready to receive the offering or product?

These are just a "few" questions to begin uncovering the "ideal client".

Remember, you don't have to be in business alone or struggle to make it successful. You also must "implement" the strategies channeling the right energy in the right direction.

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How To Achieve a Life that Youre Passionate About By Doing What You Love To Do?

2007-11-10T17:39:00.000-08:00

How To Achieve a Life that Youre Passionate About By Doing What You Love To Do?

(This is Part 1 of a series of articles by the author on Finding and Following Your Life Purpose and Passion).

We all have a definite purpose in our lives, a key part of which is living a life of joy and abundance. Its also about doing what we love to do and fulfilling our highest natural potential.

Some call it career, some call it vocation, others call it following your calling doing something that youre perfectly naturally suited to do, and fulfilling your life purpose in being here.

Im sure youve heard the saying Do What You Love and the Success Will Follow. I can hear you saying yeah well, its not always that easy! Yes, sure, I agree its not always that easy. But why not? This is a complex question. Lets explore this a bit further in this posting

Some people find their way easily and naturally early in their lives and live a passionate life on purpose. Others find their way and make changes years later, or in mid life. Yet the majority struggle and never do ...

So, why does this elude so many people who think theyre on the right track, in a good job, earn reasonable money, sometimes even great $s, yet still something is lacking, still theyre not happy or fulfilled, still theres a yearning for something else, something more?

They wonder if there's any purpose or meaning in their life. They find themselves just existing from day-to-day, operating on autopilot, or by default, dreading getting out of bed in the morning, and trudging and dragging their way to their 9-5 job ('job' = 'just over broke'), or these days more likely to be an 8-8 job ...

Many know theyre stuck in the wrong career or in an unfulfilling job, and say they will get around to fixing and changing that some day, when the time is right, when they get a chance

Yes, for many, Life gets in the way ... The mortgage and bills have to be paid, family to take care of, school fees, other life responsibilities, climbing the corporate ladder as society expects and so it goes on ... and life goes by ...

Yes its a complex issue ...

OK, so - How can you achieve a Life that you love and enjoy by doing what you love to do? How can you do this?

It takes major soul searching and the courage, and the guts to give it a go ....

For the next few minutes set aside some time for yourself to explore the following questions below. For that time, answer honestly from your heart ... Put aside any limiting thoughts ... Think big ... Indulge yourself ... Dont edit or sensor yourself ... Most importantly, have fun with this exercise. And, write down your thoughts - grab a piece of paper, or jot on your computer.

Ask yourself

* What do you really love doing?
* What are your hobbies? (not always the same thing as previous question, so differentiate them)
* What are your big picture dreams and goals that you have and would love to achieve?
* What would you really like to do if you absolutely knew you would not fail?
* Take this a step further, if money wasnt an issue at all, what would you do or like to achieve?

* What do you think about when you get a private moment to yourself?
* Have you ever fantasized or wished you could spend more time at your hobby than at your job?
* What dreams did you have in childhood? Have you lost touch with or forgotten dreams and goals you had in childhood or earlier in your life? What are they?
* What interests, desires or passions do you have that you keep inside and do not tell others?

* Have you dreamt about working for yourself, starting your own business, perhaps home business?
* Have you actually tried setting up a business or home business before and failed?
* What things do you do really well and give away to friends perhaps gourmet goodies, paintings, arts and crafts, floral arrangements, pet treats, plant cuttings or propagation, woodwork items, other hobby items

The answers to these questions will give you the clues to your passions, or the career or business for you to consider pursuing

If youre passionate enough, love it enough, are fuelled enough, and have a raging fire in your belly enough Youll find a way to DO IT Thats what it takes

Find your LOVE and PASSION and pursue it and you will find success. Yes, it will be difficult starting out. Thats the way it is in any business. Let me ask you - do you know of any business that hasnt taken time, commitment and perserverance to build? It doesnt happen overnight. (Please avoid getting hooked into get rich quick biz opp schemes most of them are just scams).

If your business is also your passion, YOU WILL find a way to do it, and YOU WILL make it through and won't quit when the going gets tough, because you LOVE it. Once you make up your mind that its what you want to do, then JUST GO and DO IT!

© Copyright - Kathy Baker - http://www.allinteractivesolutions.com/

You have permission to reprint this article on your web site or in your e-zine as long as it is not edited in any way and you leave the Author Bio / Signature File / Resource Box below intact with this article.

Kathy Baker is a Success Coach (Business/Marketing/Personal), Marketing Practitioner, Writer, & Law of Attraction Practitioner. She practices Intuitive Marketing with Integrity, & specializes in Niche Marketing & Information Product Marketing. Mortgage Lead Transfers
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Do Rising Property Taxes Threaten the Future for Residential Investors?

2007-11-10T17:38:00.000-08:00

Higher taxes on top of a high LTV can destroy your cash flow.

Over the past couple of years, I have been concerned that rising property tax rates will eventually threaten the livelihood of rental property owners.

As if to partially confirm this, I have recently been contacted by two different investors who are victims of property tax hikes that took them from a positive to a negative cash flow.

In both cases we are talking about a doubling of the property tax bill in one single year.

I personally experienced a near tripling of taxes on a rental property. My per month cost for taxes went from an initial estimate of $54.17 at the time of purchase to $125 per month the following year.

The fact is no single entity on the face of the earth can affect your real estate investments the way that government can. Governments can add a significant cost of doing business via rising tax rates.

It can change the rules in the middle of the game, force you to pay up or else, and only government, (especially local government), has the power to affect every single property owner in a given city, or county. Even bankruptcy won't rescue you from the clutches of the tax man.

The general rule of thumb for residential property investing is that you should never exceed 80% financing on your income property. You should plan for higher taxes and keep your LTV at a reasonable level. While there are 90% and even 95% loans out there for investors, it can be dangerous to take out such loans as the risk of negative cash flow is much higher.

Most investors and even home owners, should be very cautious about refinancing residential properties to pull additional cash out. A higher loan amount, combined with a large tax assessment could put you in the red overnight.

If your strategy is to buy and hold, be very cautious about exceeding an 80% Loan To Value. Over-financing can cost you a whole years profits to compensate for a two month vacancy.

If your rent rates have to be artificially high in order to cover loan payments and taxes, you may not be able to find a suitable tenant. Few investors can handle the financial strain of vacancies and negative cash flow for long periods of time.

The issues facing our cities and counties in the 21st century are complex and appear to be beyond the knowledge and expertise of most local politicians. We must find new ways to manage the costs of government services in order to insure a supply of affordable housing in the years to come. Increasing property taxes has traditionally been a local governments answer to every budgeting need. If this continues, it could put investors in many cities out of business, and ruin the small investor's ability to provide affordable housing.

For now, keeping lots of equity in your properties is the only real way you have to protect yourself from negative cash flow caused by rising property taxes. While it is exciting to think about taking tens of thousands of dollars out of your properties to use for tax free income, smart investors are very conservative here, and prefer to keep lots of equity for a rainy day.

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Protection From a Home Invasion

2007-11-10T15:38:00.001-08:00

If you have a lot of jewelry, valuable documents, cash or other negotiable items, consider installing a safe or a burglar alarm. Don't leave notes for service people or family members on the door, these act as a welcome mat for a burglar.

Trees located near windows or shrubbery that might shield a burglar from view can be major flaws in your home-protection plan. Consider your landscaping plan in light of your protection needs. Keep shrubs trimmed below windows to reduce cover. A burglar would rather enter through a window that is hidden from view than one where he is exposed.

A door with too much space between the door and the frame is an invitation for the burglar to use a jimmy. Reinforce the door with a panel of 3/4-inch plywood or a piece of sheet metal. It is also easy for a burglar to pry through rot. Replace rotted door frames with new, solid wood. When installing a window lock, drip some solder on the screw heads. It will stop a burglar from unscrewing the lock after cutting a small hole in the windowpane.

When you are away or traveling have neighbors, friends or family pick up your mail or even better contact the post office to hold your mail. Employ someone to mow your lawn, use your garbage cans, and park in your driveway when you are away. Even if a burglar knows you are away, the activity around your home will act as a deterrent. Consider an investment in a monitored home security system as they are a very effective deterrent against crime. The home security system that you install need not be a state-of -the art. For the most effective alarm system, conceal all wiring. A professional burglar looks for places where he or she can disconnect the security system.

Some individuals even will place a home security system sticker in their window even though you don't have a security system. The sticker may be enough to cause a thief to pass your house. Put up a security system sign or beware of dog sign and make it visible from the road. Believe it or not it is a proven deterrent.

Use simple safety systems to protect your home. Use locks and other mechanisms to lock the doors that are difficult to break. The longer the burglar takes to break into the house, the greater the chances that he will be caught. Use multiple locks for the doors and windows. At minimum utilize a double locking system for all doors and windows.

If there are door hinges on the outside of your house, take down the door and reset the hinges inside. Otherwise all a thief has to do to gain entry to your home is knock out the hinge pin.

It's simple for a thief to break glass panels and then reach in and open a doorknob from the inside. A door with glass panels should be either fortified, replaced, or secured with dead bolts that can only be opened with a key. Secure sliding glass doors with bars or locks, or put a wooden dowel or broom handle in the door track.

Dogs are good deterrents to burglars. Even a small, noisy dog can be effective burglars do not like to have attention drawn to their presence. Be aware, however, that trained guard dogs do not make good pets. Obedience training and attack training are entirely different, and only the former is appropriate for a house pet.

Think like a burglar. Put yourself in his shoes and find out the weak spots in the house from where the burglar can enter the house. When you do this you will be able to find the weak spots and can protect your home better. For example stand outside the window of your living room. Look at all the valuables in the room that a burglar can take. See how you can hide them, from view or rearrange them, in other rooms where they are not visible. Use hasp with protective covers for locks. This mechanism will make it more difficult for the burglar to break into the house. Have a home burglar alarm security system fitted in your house to protect your home.

Plan to "burglarize" yourself. You'll discover any weaknesses in your security system that may have previously escaped your notice.

Copyright 2006 Francesca Black

Francesca Black develops educational material for http://www.security-port.com and http://www.security-protection.net a top resource for locating security related RSS feeds.Live Mortgage Leads
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Thinking About A Remortgage? Let's Look At The Choices

2007-11-10T15:38:00.000-08:00

Remortgage Regulars

When you're thinking about a remortgage you have a number of options you'll want to weigh. Let's look at the choices:

* Standard variable rate (SVR) remortgage -usually this is the most costly rate, typically with a low temporary rate up front as a promotion and then a transfer to the standard variable rate once that time period has passed. Most homeowners on an SVR will try to remortgage as soon as they can.

* Fixed rate remortgage - This typically has a set interest rate for a predetermined time period, after which the lender's current SVR kicks in. This mortgage or remortgage provides a firm monthly payment for the initial loan period, although subsequently may not be cost effective. This mortgage, just like the SVR, is something a homeowner often seeks a remortgage from.

* Capped rate remortgage. Whether your first mortgage or your remortgage there are pluses and minuses on a cap rate mortgage. You have the security of knowing that for the initial period of two to three years the highest rate you will pay. But the cap may in fact be higher than if you had chosen a fixed rate mortgage or remortgage.

* Discounted rate remortgage - with this mortgage or remortgage you have an initial period where you pay a predetermined percentage off your lending institution's SVR. The discounted time period can vary, but in general the longer the discount period, the less the discount. Once the discount period is over, you'll pay the bank's SVR.

* Tracked rate remortgage - This guarantees that your mortgage or remortgage will mirror the base rate of bank mortgages. If the rate decreases so will the amount you pay each month on your remortgage.

* Drop lock Tracked rate remortgage - this tracker mortgage or remortgage offers you the option to make a change to a fixed rate remortgage during your initial time period without any penalty for early repay. This drop lock remortgage can be a handy way to take advantage of low base rates while making the change to a secure fixed rate remortgage when it's advantageous to do so.

* Cash back remortgage - While the mortgage rate on this loan is usually your financial institution's SVR, this remortgage offers you a large upfront payment for whatever your lump sum needs might be. You might use this, for instance, to pay the deposit on a new home, to begin home improvements or to buy additional furnishings.

Many mortgages or remortgages offer optional features such as flexibility. If your remortgage is flexible you can make some changes in the payment you make each month if your finances require or allow that. You might be able to overpay or under pay, make a lump repayment or take a short reprieve from monthly payments. The latter is most commonly used if the homeowner has some one time large expense, such as the purchase of a new vehicle or to pay for a wedding.

Overpayments are usually the most common flexible remortgage feature. Underpayments and reprieves (also known as holidays) are allowed based on your payment history and credit.

Another remortgage or first mortgage feature is currency. With a current remortgage, your bank account and your remortgage become one account. You can even set up a direct deposit of your salary into the account to pay your remortgage automatically. The interest is a daily calculation.

You can also choose an offset feature for your remortgage, which simply means that the balance on your remortgage is offset against any money you have in any other account with that lending institution, such as a savings or checking account.

Robert Michael is a writer for Domus Property which is an excellent place to find Property links, resources and articles. For more information go to: http://domusproperty.com Live Mortgage Leads
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Commercial Banker Presents Case for New 30 Year Fixed Loan

2007-11-10T13:38:00.000-08:00

Commercial 30 Year Fixed, What is it?

A new commercial loan program that is similar to the traditional residential 30 year fixed. Loan is fully amortizing over 30 years and the rate is fixed for the entire term.

Relatively new to the industry, this loan program is turning heads. Primary benefit is obvious, knowing that you do not have to worry about future rate increases. Other less well know benefits include ability to pay down loan by 20% per year, 90% financing on purchases for owner occupants and rates/fees right in line with traditional loans.

As a comparison, traditional loans are fixed for 5 years and amortized over 20 years. At the end of the 5 years the loan balloons and rate is reset at market conditions.

How? And why havent I heard of it before?

The evolving commercial secondary market is the source of this loan program (and others). Historically, banks originated and funded loans basically with their own money, primarily from deposits. They were (and still are) at direct risk of losing that capital should the borrower default on the loan.

The secondary market is different than the traditional system. Loans are instead pooled together creating greater diversification and thus less risk for the entities holding onto the loans (like insurance companies/pension funds). Pools are typically in the $100s of millions, comprised of 100s of individual loans spread out geographically and by different building types.

This diversification is one of the fundamentally differences, that enable major

instructional lenders to create and underwrite loans outside of the norm.

What are the negatives?

Few. Prepayment penalties are slightly higher than traditional loans and rates can be higher on high loan to value scenarios. Although this is not a solid comparison, most bank financing only goes to 80% loan to value vs. 90% loan to value on this loan.

Jeff Rauth is President of Commercial Finance Advisors, Inc out of Bloomfield Hills. He specializes in Commercial Real Estate Loans between $100,000 - $5,000,000. Offers unique loan programs such as Commercial 30 Year Fixed, Stated Income Loans and 90%, non SBA, financing. He can be reached at 248 990-7602. jrauth@cfa-commercial.com http://www.cfa-commercial.com.Mortgage Lead Programs
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Can Mark Warren's Ultimate Wealth Package take out Derek Gehl's Internet Marketing Center?

2007-11-10T13:37:00.000-08:00

I have been watching the traffic stats on Mark Warren's Ultimate Wealth Package and they're climbing rapidly this week. I got interested in the Ultimate Wealth Package a few weeks ago primarily because they seemed to be pulling in so much traffic. It is said that the three keys to selling Real Estate successfully are: Location Location and Location. Likewise the three keys to selling on the Internet are: Traffic, Traffic and Traffic. I've worked for years with another successful Internet marketing group called the Internet Marketing Center. If you haven't heard of them you either haven't been doing your homework or you're still new to the Internet.

Derek Gehl's Internet Marketing Center sells a number of popular Internet marketing courses and software tools. Their flagship marketing course "The Insider Secrets to Marketing Your Business on the Internet" can be be compared with Mark Warren's "Ultimate Wealth Package". Both teach you how to market on the Internet. Both can be sold via affiliate programs for similar commissions. Both claim to know and reveal the Internet's most guarded traffic driving secrets to make your business successful.

I have to say that I was originally attracted to the Internet Marketing Center by the late Corey Rudl. He was a very competent at the mechanics of website building. Being an engineer myself, I felt some affinity for his successful techniques. Unfortunately, he died a few years ago in a tragic accident while pursuing another of his great passions, auto racing. One of his apprentices Derek Gehl took over the reins of the site. IMC has remained a top competitor for many years. Their website traffic rankings have been consistently high and they have exhibited real staying power for over 10 years now.

The real question is whether Mark Warren's Ultimate Wealth Package is a fad that will flash to the top of the rankings and then sink or whether it has real substance and staying power like the Internet Marketing Center. i.e. Does Mark really know some secrets IMC doesn't? Only time will tell but this is certainly an interesting trend to watch play out.

See a comparison of Mark Warren vs Derek Gehl in the live ranking chart at http://www.WebMarketingHelp.com

George is an Engineer and Internet entrepreneur with over 10 years experience studying Internet Business Models. He is webmaster at http://curiouscorner.com and http://WebMarketingHelp.com Live Mortgage Leads
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Why Do Most People Who Try Affiliate Marketing Fail?

2007-11-09T23:38:00.000-08:00

Isn't affiliate marketing great? You get to sleep late, sit around all day, and only occasionally have to pop over to the computer to check how much money you've made in the last hour. A job anyone would kill for.

Except that that's not quite the truth.

Many of you will have a rather different experience of affiliate marketing one involving lost money, scams, and endless frustration when the profits you were told you would make just never appear. Others will never have got to that stage, but they'll still have the same feeling: that all affiliate marketers are scammers, selling a dream that is impossible for most to achieve.

If you're feeling like that, stop it. Because it's not true. Affiliate marketing is difficult. But it's not impossible, and not all the gurus' are scammers. Some are genuine, and really will help you, if you let them. It is possible to succeed.

So why do most wannabe affiliate marketers fail?

1. They give their money to scammers who then give them useless information.

Many scammers, after they've taken your money, will offer a cheap e-book to download. Sometimes this is stolen from another site, but more often it's something they've written in twenty minutes when they remembered that they needed to offer people something. That means it will be filled with useless information that the scammer probably knows nothing about and if you try to follow it, you might soon conclude that affiliate marketing is impossible and you were a fool for even trying.

2. They don't have enough patience.

It takes time for the money to start coming in. You need to build up a steady stream of traffic and a mailing list before you can think about earning serious cash. When they only earn a few dollars a day, or fail to receive the thousands they were expecting, many people get disillusioned and decide that they're better off with the day job.

3. They don't follow the instructions properly.

I know. Why would you spend your money on an affiliate marketing course only to ignore what it says? But people do. They think they know better than the pros who have been doing this for years. And they usually end up making a mess of it, losing money on unprofitable advertising techniques that don't work. But, of course, they don't blame themselves and go back to try to work out where they went wrong. They blame the course they bought, and decide it must have been sold by a scammer a scammer, like everyone else who claims they make a living affiliate marketing!

4. They think they're not clever or skilled enough.

Normally, they're wrong. Affiliate marketing really is very simple. You need intelligence and initiative to become one of the top affiliates, yes but if you just want to earn some extra money, all you need to do is follow instructions. Buy an affiliate marketing course and do what it says. Too many people sit there and think I can't'.

5. They decide it's too much work.

They get taken in by the promises that they can make money going to the cinema, watching TV, washing their hair. In truth, there's a bit of work to do before you get to that stage like setting up a website and promoting it, for starters! As soon as they realise that it's not going to be as easy as they thought, they give up. The truth is, there's no such thing as money you don't have to work for (lottery winners excluded!).

Did you notice anything these five reasons have in common?

All of them involve people giving up.

Whatever the reason, if you give up, you're not going to become a successful affiliate marketer. Fact is, nothing worth having is easy. Being an affiliate marketer is worth it not just the money, but the excitement of seeing your list grow and traffic rise. And it's not easy. Most affiliate marketers had to work hard and experienced plenty of failure along the way. You've got to be ready for that as well.

Most wannabe affiliate marketers fail because most affiliate marketers give up. You make sure you're not one of them.

Anita Buchan is a full-time affiliate marketer who now wants to help others make the same money she does. For reviews of legitimate affilate marketing opportunities and free resources, visit http://www.dont-get-scammed.biz Mortgage Lead Transfers
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The Stock Market Is Not The Place To Gamble!

2007-11-09T23:37:00.000-08:00

Dear Fellow Investor.

For several weeks now the stock markets have been in a very good shape right around the globe which must be a very soothing feeling especially for those that are still licking their wounds having to cope with losses.

But theres a flip side to this positive global atmosphere. And that side is pretty dark especially for newbies. What I mean is that more than ever people are being bombarded with investment recommendations that resemble gambling more than anything else! These stock recommendations have absolutely nothing to do with a serious and thoughtful investment.

On October 6, 2006 I wrote a newsletter article about this topic. You can view this article by clicking on http://www.stockbreakthroughs.com/Newsletters/otc.htm

Not only several renowned newsletters are trying to draw investors into buying stocks that will allegedly double and tripple within days, but also spam emails are infesting the inboxes of many email accounts. I get hundreds of these emails every week that promise profits that are from another galaxy and beyond our imagination.

These newsletters and email spams recommend stocks that most of us have never even heard of.and in many cases we dont even know how to pronounce the companys name.

It makes my stomach turn when I read the recommendations of these carnival barkers because I know that, unfortunately, they will find common ground with a lot of beginners.

Attracted by the possibility (no matter how minute) of fast and huge profits, they will even charge at stocks that only cost a few cents so called penny stocks believing that one cant lose much with these cheap stocks. WRONG!!! Thats a fallacy!

If a 10 cent stock drops to 1 cent its still a 90% loss no matter what! And that can happen easily! It sometimes goes faster than one expects because more often than not some dubious organisation is manipulating these kind of stocks. They buy them dirt cheap and then create a hype hoping and expecting that many investors will buy these allegedly highly profitable stocks not wanting to miss the boat.

And there are enough buyers that will fall for these tricks. This will then cause the stock price to go up and up, and as more people see this stock rise and shine even more will buy in fear of missing their big and fat chance, making the stock go up even further.

OK. Now this obviously sound good. Thats what were looking for. A rising stock. But before you know it, these shady organisations then sell these stocks as fast as possible cashing in the big bucks. This sell-off will cause the stock to drop significantly and before you catch wind of it your stock is basically worthless and your money is gone.

The peril here is that these stocks are OTC stocks. I also wrote an article about this topic. You can view it under: http://www.stockbreakthroughs.com/articles/otc.htm

Very few OTC stocks are successful in making the jump from this market to the NASDAQ, NYSE or any other major exchange due to their INABILITY to meet the listing requirements of the major exchanges.

These kind of securities are very risky because there's no controling body or organisation like the SEC which oversees the securities industry and promotes full disclosure in order to protect the investing public against malpractices. That's why you should be very wary of OTC stocks because they are either penny stocks or hold bad credit records.

I will never understand what makes people invest thousands of bucks in siberian uranium mines, chinese energy stocks or even an australian internet casino. Yes! You read correctly! Youll be surprised what investments people come with.

And the same people will spend weeks and months paging through brochures and magazines when it comes to buying a new car or the latest plasma TV set. Theyll make comparisons, theyll ask friends and relatives and go through all kinds of troubles just to get the real deal.

So why dont they apply the same scrutiny when it comes to investing thousands of bucks in the stock market instead of using hunches and guess work rather than the brain???

Your hard earned money shouldnt just be gambled away. It should be invested wisely and with scrutiny. Thats the only safe way to accumulate real financial wealth!

Yours in Successful Trading

Ricky Schmidt

Ricky Schmidt's website http://www.stockbreakthroughs.com was created out of frustration in trying to decode books, magazines and newsletters on the subject, which are supposed to be for beginners but are not because theyre too difficult to understand. Too many Big Words and too much intelligent sounding grammar is used which is not very useful.Mortgage Lead Transfers
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Water Filters - Part I

2007-11-09T23:29:00.000-08:00

Water filters. Pretty simple concept, right? Turn on your tap, let the dirty water run through the filter and into your glass goes some nice clean contaminant free water. And in theory it is a simple process. Unfortunately picking a water filter is not so simple as their are many different ways to filter your water and many different types of filters to filter your water with. So which ones are best? The answer to that question is probably eternally elusive but at least in this article we're going to review some of the different types of filters that there are so you can make an informed decision.

Probably the most common water filters are charcoal. The charcoal is actually gotten from coconut husk. The charcoal absorbs the impurities out of the water. Charcoal water filters make up about 95% of all the water filters in use. The reason is because they are simple to install, relatively cheap and remove most of the toxins found in the water. An average charcoal filter will last between 6 and 9 months before it has to be replaced. Some charcoal filters are enhanced by the use of silver which gives you extra antibacterial protection. Charcoal filters are probably the best buy for the money.

Not quite as common are what are called reverse osmosis water filters. These filters use a fine membrane to filter the water through an osmotic process. These filters, unlike charcoal filters, take everything out of the water, leaving them totally pure. These filters are installed under your sink and require a serviceman to come out every few months to install a new membrane. There is some debate as to how beneficial these filters really are since they also take all the good minerals out of the water as well.

Another type of water filter is the distiller water filter. These filters use electricity to heat the water to its boiling point. The impurities are left in the boiling container and then the purified condensed water drains back into a clean container. These filters require an enormous amount of power and don't give an immediate supply because the boiling process must be completed first. There are reports that claim that distilled water is not good to drink long term because it actually takes nutrients from your body because of the unnaturalness of the water.

Then there are ionized water filters. Ionized water is water that has been electronically altered by being run over by positive and negative electrodes. The water then becomes ionized by separating the water and the minerals in it into alkaline and acidic water. You end up with 70% alkaline water and 30% acidic water. Both waters have excellent properties. The alkaline ionized water is used for drinking and is a great antitoxin for the body. Acidic ionized water is used primarily for bathing and is supposed to be very good for killing bacteria.

In our next article we'll go over some additional types of water filter and treatment systems.

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What a Pineapple Under the Sea, Where's Spongebob!

2007-11-09T23:28:00.000-08:00

Who lives in a pineapple, under the sea? Spongebob Squarepants! Spongebob is one of the hottest new characters out, and children and adults both love him and his show. A Spongebob Squarepants party would be a great theme for both kids and adults who love the yellow guy!

You can find Spongebob Squarepants party supplies in any party planning store. There are plates, napkins, cups, tablecloths and silverware that come in yellow with Spongebobs face. There are also themes which have him and the rest of the characters on his show, including, Patrick, Squidward, Mr. Crab and Plankton.

One of the best piatas around is Spongebob. He is large and square and easy to fill with all of your favorite candies. Other decorations include balloons, streamers, wall hangings and table pieces. They can be plain colors or bought to match your chosen motif.

Every party needs games! Pretend your guests are all crabby patty flippers. Use a spatula, cardboard or felt to resemble a crabby patty and an apron. Divide your group into teams. Each person at the front of the team wears the apron and carries the crabby patty on top of the spatula to a bun on the other side of the room. Who ever can race the most patties to the other side wins!

Prizes to give away can include any number of trinkets like bouncy balls, paddle balls or Spongebob stickers and tattoos. Candy can also be found to look like Spongebob or even a gummy crabby patty. Party stores have rows of prizes to include in treat bags to send home with kids (or kids at heart).

A craft to make with the kids would be a take home Spongebob. Buy yellow sponges and let the kids color his brown pants on. Glue big googly eyes on and they have a work of art!

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When a Digital Zoom is Needed

2007-11-09T21:37:00.001-08:00

Youve been told that you should disregard claims of large digital zoom ratios and have been warned that to usea digital zoom is to ruin the picture with visible artifacts and pixels. To a certain extent, these statements are true but they dont tell the whole story.

Digital cameras that feature an optical zoom and a digital zoom offer the option of using one or the other or even both together. An optical zoom lens of 28 to 200 mm may not be enough in some situations. This is where the digital zoom comes in handy.

Say you are at a football game and want to get a close up of your son in action. A 200mm lens setting would probably include three or four football players in the scene, making it difficult to recognize faces. A two times digital zoom makes the focal length 400 mm, cropping the scene into a two football player picture. A four X digital zoom setting will garner a head and shoulder close up of one football player.

At two X digital zoom, the number of pixels are cut in half but digital processing and interpolating between pixels will smooth out the image with very little loss in quality. If your digital camera starts out with 8MB of pixels, the final result of 4MB will still enlarge to over eight by ten size without losing quality. At four X digital zoom, the pixels are reduced to 2MB which will visibly degrade the image somewhat. This sacrifice in quality is often acceptable if you capture a fantastic shot of action.

Other subjects that would benefit from the use of the digital zoom are bird photography, wild animal photography, candid people shots and sport events of all kinds. While most photographic images are covered with the normal optical zoom range, sometimes the digital zoom can save the day.

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Boost Your Affiliate Marketing Power with the "Site Stealer"

2007-11-09T21:37:00.000-08:00

For those wanting to make a success of Affiliate Marketing, or make a break into this potentially-lucrative industry for the first time, a new offering from Harris Fellman could be for you. Site Stealer provides an insight into the world of SUCCESSFUL Affiliate Marketing, and focuses on the methods and practices that have been tried and tested, rather than the myryad failed attempts and wannabe campaigns.

It's no secret that Affiliate Marketing has brought great wealth and success to a priveleged group of entrepreneurs, but the truth is that many of those who try to carve an income for themselves fail very early on. Harris describes the types of people who make up this group in his first chapter. The fact is that many follow a path which is destined to fail, ignoring the methods that bring success, and instead trying to create their own business model from scratch. If it's not broke, why try to fix it? Harris explains in his 75-page eBook why "stealing" the ideas, methods and business model of the successful few (in a totally legal way) is the only way to succeed alongside them.

His methodology is structure across 5 levels, which can be implemented in order, and form a great blueprint for total beginners to follow:

Level 1 - The Easy Grab

This section deals with Headlines, finding the killer phrases that work, and attract the maximum number of potential buyers to your sales pages. There are a couple of great bonus packages here, which will help you to choose the Headlines that best fit your business or product, without infringing on anyone else's copyright.

Level 2 - Swipe and Run

Find which factors convert sales on other peoples sales pages, find out how to swipe the best ideas and make them your own with the minimum of fuss, and totally legally.

Level 3 - Knock Over the Whole Store

Harris describes the best existing Business Models and shows you how to simplify and mould them to your needs.

Level 4 - Make 'em give you the keys

Better than affiliate marketing, Harris shows you how to get paid instantly for your products, source the best products from elsewhere and claim them for your own.

Level 5 - Turn the Tables; You become The Boss

The untold secrets of how to harness Viral Power and accelerate your sales to new levels.

Aside of the sales speak, I found the Site Stealer to be a great insight into Affiliate Marketing. If this is the first thing you read on the subject, you will be saving yourself a lot of time, heartache, and expense. Many affiliate marketers buy product after product (ironically from the very same Marketers who use these methods) before finding the successful system that works for them. The Site Stealer applies to any and every business concept and product you can conceive of, and the price is more than manageable (just $37). A vast number of bonuses are included; some of which you will find useful, others you will never use, but all this adds up to a bargain product, for which I'm sure Harris could have charged much more.

Get your copy of the Site Stealer today at http://www.trendblogger.net/sitestealer.html , and start off on the only way to success in the world of affiliate marketing.

Matt Hodkinson writes for many Affiliate Marketing Blogs and Sites on a range of subjects from Traffic Generation to Monetized Niche Blogging.Live Mortgage Leads
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The Continuing Demise of Aston Villa Fc - Defeat at Doncaster

2007-11-09T21:25:00.000-08:00

I feel compelled to write something regarding a football club which I have supported, albeit mainly from a distance, since I was a boy. The last disgraceful episode in the history of Aston Villa Fc was the 3-0 defeat at Doncaster in the league cup. I can take nothing away from Doncaster, who played like lions on the night. They were full of running and pressurised us from the word go. However the point here is that a team of Aston Villa's obvious size, standing and sometimes glorious past should have been far too much for even the bravest of lower division teams. This was not a one off; sadly it was indicative of the general malaise which seems to have set in at the club over the last two years.

Here is a good example. Our 9million pound club record signing, Juan Pablo Angel strolled round the park (when he did actually move) looking like he did not want to be there. For the most part he loped towards the opposition penalty area when we got forward and then stood around waiting for something to happen. I am no expert in the art of striking, but from many hours watching some of the best strikers in the world even I can tell that a good striker will make something happen, not wait for it to fall into his lap. The fact that he has only managed to score this season against lowly Wickham Wanderers, in an earlier round of the cup, I think says it all.

Liam Ridgewell had a nightmare against Doncaster, giving away a penalty and being lucky not to concede another only a few minutes earlier, however, the fact that he was so noticeably bad at least confirmed some effort on his part. Thomas Sorenson played well throughout and the 3-0 score line will look badly on his record, but was mainly down to shambolic defending. Gareth Barry also had a good game, frequently getting down the left on Doncasters wide pitch. However whenever he did so the moves were broken up by the fact that no one was making the runs into the centre for him and our static strikers were being easily marked by defenders they should have been running rings round.

Perhaps the only other player I cannot fault for effort was Milan Barros, who unfortunately looked like he did not relish the cold and his touch on the ball was often well short of what we know he is capable of. I think the game perhaps turned on the penalty claim which TV replays show was an abject penalty when Milan Barros was chopped down in the box. Villa seemed to give up after the penalty was turned down. That aside Doncaster should have had another one when Liam Ridgewell very deliberately shoulder barged one of their players off the ball.

Considering that the league cup was our only realistic chance of success this season, you would have thought that we could have expected a little bit more from the players. It seems to me that the hunger has gone from the side and we have accepted the mid-table mediocrity that is so often the result of a long hard season. And indeed, the league position suggests that they think that even that will be handed to them on a plate. Quite simply it is not good enough. These players are earning - a very loose definition of the word - thousands of pounds per week, and much of that comes out of the ordinary supporters pockets.

I know for a fact that Aston Villa have some of the most fiercely loyal supporters in the land, which perhaps explains why they continue to spend money on substandard products rather than shop elsewhere. However you cannot help thinking that in years to come, unless things change radically, this will not be the case. In todays society where more and more people are moving away from their towns of birth for employment and social reasons, clubs cannot rely on regional association to maintain their fan base and success, however infrequent, is the only thing which will keep the fans returning.

Aston Villa has always been considered the bigger of the two Birmingham clubs and indeed Birmingham is the second largest city in England. To not have a football team in the top half of the table challenging for honours is unacceptable, or at the very least, surreal.

I have been reading recently that Doug Ellis has finally decided to relinquish control of the club. Doug has done very well for Aston Villa over the years (I am not one of those who blames him for our demise) and has managed to keep the business in a very strong position financially when so many other clubs are in deep financial trouble. Unfortunately the world of football has moved on from when Doug started and it is time for a fresh injection of cash and some new faces to try and revive the club. I sincerely believe it is time for a wholesale change in personnel at the club, players and manager alike.

Irish property developers the Comer Brothers and Michael Neville who are looking to purchase Villa for around 64million will certainly inject some cash to be spent on players, but my cynical side tells me giving it to a manager who fails to inspire his team will merely lead to a squandering of a golden opportunity. Dont get me wrong, I have nothing against David O'Leary as a manager and I think in the right circumstances he is very capable. I am suggesting, however, that he has become associated with the failures of Villa over the past couple of years and retaining him for much longer will keep that link to the bad days, when the club needs much more positive input. Likewise Juan Pablo Angel. He is simply another in the long line of expensive strikers who have moved to Villa and failed to live up to their potential. He is a very talented individual and I think perhaps he would benefit from a change of clubs. It is time to cut our losses.

For the Villa fans, we can only hope that the new year brings a new attitude at the club and that things will improve - lets face it, they cant get much worse after a 3-0 defeat at Doncaster!

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Home Loans - Dispelling The Myths

2007-11-09T21:24:00.000-08:00

You have undoubtedly heard a plethora of advice when you mentioned you were considering buying a home. Everyone probably had an opinion, they always do. Some very well intended people probably gave you the worst advice you could possibly have received but you would have know way of knowing that.

Let us dispel some of the most common myths about home buying and loan selection. First and foremost the myth that the only type of mortgage to ever consider is a 30 year fixed rate mortgage. Perhaps when your parents or grandparents first considered buying a home this was true. The simple fact of the matter is that there are many loan packages available to buyers with all different financial circumstances and needs. For many a fixed-rate mortgage will be the right way to go. For others adjustable rate mortgages will make the most sense based on their financial situation. Your loan officer will be able to explain the differences between them and discuss which will make the best sense for you and your unique circumstances.

Another popular myth is that you should have a home in mind before you contact a mortgage professional. This is probably, however, the worst time to contact a mortgage professional. It is always best to start your home search only after you have spoken to a mortgage professional who can put a scope on your search for you before you fall in love with a home that is well beyond your financial means. A mortgage professional can save you hours of heartache when you try to compare a house within your means to those houses a realtor showed you but you simply cannot afford.

The only place you want to apply for your mortgage is with your personal bank. Or, at least that is what you will be told. Again, that may have been true about forty years ago, it is not necessarily true any longer. The mortgage market is competitive and there are many lenders that specialize in precisely this industry and are not retail banks. You may not want to close the door to the prospect of using one of these lenders because they very often offer the best loan packages.

Online mortgage lenders are risky. That is what traditionalists will say. Though you should be careful in selecting an online lender, there are many safe and reliable retailers. You will want to make sure that they have an encrypted, safe site that you can comfortable input your information. Very often these lenders are actually a network of lenders that combined can offer you the most possible loan packages to choose from. It is important to know that the site is encrypted and safe before you input your personal information. Most sites will have information on the site regarding the measures they take to protect your information.

If your credit is not great you will never get approved for a mortgage is what you have probably heard time and time again. There is an entire, tremendous industry that has been created to provide mortgages to people with poor credit or no credit history at all. Rather than have your friends and family deny the loan that you had not even applied for yet, speak to a mortgage professional who has the means to open the door to this entire world of lenders waiting for people with little, no or bad credit.

If you do not have a big enough down-payment your mortgage payments will be huge and you will have to pay PMI. Again, this is simply not true. There are countless mortgage packages available to people with little or no down-payment, including many packages that combine loans in order to prevent your having to pay PMI (private mortgage insurance).

The home loan industry is a vast industry that grows annually. The key to your success in maneuvering in the industry is to speak to mortgage professionals rather than well-intended but ill-informed family and friends. Though your family and friends may offer good advice, very often they just proffer myths that have long ago been busted. We have addressed but a small number of these myths in this article, there are countless. The best thing to do is get the information directly from the source- a mortgage professional rather than the people around you who may have misinformed you when they heard you are thinking of buying a home.

Max Hunter is the author of many credit related articles. If you are looking for help with Home Loans or any type of credit issue please visit us at http://www.homeloanave.com Voice Broadcasting
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Right Support! Right Loan! Right Application Student Loan Application

2007-11-09T19:37:00.000-08:00

Practically speaking, when you are a student, your expenses are more than the average spending by a common person. The expenses may be on your education, tuition fees, credit cards bills, hotel and restaurant bills, clothes, books expenses on maintenance of car and any other miscellaneous expenses. At them time, your earning are nil or very less if you are working part-time and expenses are so much. Student loans can give you the financial support. You can avail such loans by filling a student loan application.

A student loan is the perfect financial support for those students who are insufficient in bearing their cost of living or expenses during their educational period. These expenses can be anything, what matters, is that the applicant should be a student. You need to plan a budget for your spendings from the loan amount to ensure the efficient use of the student loan amount.

Student loans also gives you freedom from all your existing debts (if any), which you may be facing trouble in repaying. We can say that, filling a student loan application can also get you a debt consolidation loan under the title of student loans. So now instead of paying for all your numerous debts separately you can repay your entire debt amount with single monthly repayments at competitive interest rates.

You may be wondering about where to look to apply for a student loan. The answer is simple INTERNET. With lots of student loan websites, you can easily search and apply for such loan by filling an online student loan application form. There are also loan calculators which you can use to find out what the repayments will be. A standard student loan application form consists of following details:

Name and Surname
Permanent address
City and postal code
Telephone numbers
Details about academics i.e. what you are studying
Status of course, whether full time or part time
Loan amount required
Lender may or may not ask for the security by a guardian depending upon his policy

All the standard student loan applications are routed through LEA i.e. Local Education Authority. It can differ in case the applicant is dependent, disabled or involved in certain kind of social work. A student loan is repayable only after one completes his or her education and starts earning a minimum amount.

If you are doing certain part time job, this may be an added advantage for you in form of low APR. APR or Annual percentage rate is the total cost of the loan. Also, if your earnings are above a minimal level, the repayments will be deducted from your income every month.

To conclude, we can say that to avail the benefits of a feature-full student loan you can fill a student loan application with accurate information.

Kevin Clark is a financial analyst at Student-car-loans. In recent years he has taken up to provide independant financial advice through his informative articles. To find Student loans, College student car loan, USA college student car loans, Cheap student car loans,Cheap student car loan, USA cheap student car loans, Student loan application, Student loan application USA, Student loans application, Student car loans, Student car loan that best suits your need visit http://www.student-car-loans.com Live Mortgage Leads
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Fun Pirate Birthday Party Ideas

2007-11-09T19:36:00.000-08:00

Thar be fun pirate birthday party ideas ahead me buckos...AAARRRH! So haul in the gang plank, trim yer sails and be watchin' for ships flyin' the Jolly Roger.

"Avast and ahoy maties, this here be yer captain speakin to ya... Captain Grandpa Mike says me."

Yer birthday child and all their guests will be havin' a swashbucklin' good time with this here adventure on the fun kid birthday parties high seas!

Fun Pirate Birthday Party Ideas - Invitations

Yo Ho A Pirate's Treasure Map

Your party guests will really get into your Pirate theme when you send them an invitation that looks like an old Pirate Treasure map...

Cut a brown paper bag into a square.

Then, with a black marker write something like "Captain__________'s (insert your birthday child's name) treasure map"...

"Ye be invited to a swash-buckling good time matey... (then give the party date, time, length of the party and any other details) then close the invitation by saying something like...

"If you dare, you'll be findin the party by followin this here treasure map... And remember this me buckos... "X" marks the spot!"

The map is actually directions to your party location and the "X" is the actual birthday party address...

Then crumble up the paper so your map looks old and mail it to your guest... You can even be creative with the envelope.

Fun Pirate Birthday Party Ideas - Treasure Map

Have some fun with your Pirate Party Invitation buy constructing another treasure map for a real treasure hidden somewhere at your party location.

Cut this map up into puzzle pieces (one for each child you're inviting).

Include a piece of the treasure map in the envelope and instruct your guests to bring their piece of the treasure map to the party.

When your guests arrive, have them put their puzzle pieces together, then they can all hunt for the treasure you've hidden...

Make sure you keep a copy of the map in case one of your guests doesn't show up.

For treasure, put some chocolate coins (always a big hit with our kids) in a box and hid them somewhere for your guests to find together with their map.

Fun Kid Pirate Costume

Your birthday child will love wearing a special pirate costume at their party.

*A Tip From Grandpa Mike

When I was a boy, one of my favorite Halloween costumes was a pirate costume.

You can find a head bandanna at your local thrift store, a colorful old shirt and grey stripped pants.

Cut the shirt sleeves to 3/4 length and fray the edge of the sleeves so they look worn... Cut the pant legs to 3/4 length and fray the edges so they look worn and "ship wrecked".

You can make an eye patch out of a small piece of black card stock or black cloth... Attach a black string or shoe lace to the eye patch and tie it around your child's head.

A wide black belt with a large buckle (you can make a buckle) can be cut to fit around your child's waist.

Fun Pirate Make-Up

You can complete your child's pirate look by putting black smudges on their face with an eyebrow pencil. Smear it around to look like a beard on a rough pirate face.

Fun Pirate Birthday Party Ideas - Decorations

Black, red, yellow, orange, blue and white are great pirate colors.

Use streamers and balloons to decorate your party area.

You can also pick up some pirate flags and make treasure maps and swords to put on the walls.

Fish nets, star fish and sea shells will help give yer party a sea goin' look.

Fun Pirate Birthday Party Ideas - Pirate Pinata

Imagine the fun when one of yer ship mates breaks open a pirate treasure chest pinata aaarrrh, an all kinds ah "treasures" fill yer pirate ships cabin. You can easily find online stores that feature pinatas for just about any party theme.

Fun Pirate Birthday Party Ideas

With these ideas to get your creative juices flowing, you'll be able to come up with lots more great ideas that will make your child's Pirate birthday party adventure a great success.

"Shiver me timbers, this be Captain Grandpa Mike sayin have a swashbucklin' fun Pirate birthday party, AAARRRH!"

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Considerations Before Filing Bankruptcy

2007-11-09T19:23:00.001-08:00

Financial difficulties can occur in anyones life. When you think financial difficulties are more than you can handle, dont let bankruptcy become your first thought. Bankruptcy should be considered as a last resort, not just the first thing that pops into your head when the going gets tough. Instead, consider these options.

One of the first steps in avoiding bankruptcy is to make budget. If you have laid out a plan for your incoming money, you will be less likely to spend it on unnecessary items. You will therefore make the money last longer and work harder for you. Setting up a budget is crucial to help regain control over your finances. If you already have a budget setup, review it ruthlessly and start cutting wherever and whatever you can so you can return to profitability.

Another option to bankruptcy is to consider exactly what your debt is. Perhaps you have purchased a home that is more than you can afford or maybe you have too much vehicle debt. If either of these is true, you may need to consider downsizing. If you are paying out more than 40% of your income on a house loan, it is definitely time to consider selling your house and buying a less expensive one. The same applies to vehicles -- maybe this is not the time to be making payments on a Lexus when payments or paying off a late-model Toyota or Chevy makes more financial sense to keep more money in your pocket and your creditor's pockets each month.

Not only do you need to consider what type of debt you have, you also need to consider what items you can sell to increase your savings. Often, selling items you no longer use can help with the month to month struggles you might be experiencing. Maybe you have a lot of old books or CDs laying around that you no longer use. Selling off a few unwanted items can help free you from some financial burdens.

We have all heard this time and time again. But, if you are having financial hardship, cut up your credit cards. Under no circumstances should you use a credit card, not even the one you have set aside for emergencies. It is possible that you truly only use your credit card for emergencies. But in a time of financial difficulties, your view of what constitutes an emergency could change. Without access to a credit card, the need to fix the air conditioner on your car doesnt seem so dire.

Even though you need to cut up your credit cards and not use them anymore, you still need to find a way to pay for them. Begin by moving all of your credit card debt to the card with the lowest interest rate. If all of your credit cards carry a high interest rate, try negotiating with the companies to see if they can lower your rate. Very frequently, credit card companies are willing to work with you by lowering your interest rate and even allowing you to skip a payment, because they know that if you do end up declaring bankruptcy, it is very likely that they will only see pennies on the dollar.

Another option to avoid bankruptcy is to increase your income. Although this may seem very obvious to some, it is often overlooked. Cutting back on your expenses may not be enough. Therefore, working overtime or getting a second job may be the only viable option. Try delivering pizzas, mowing lawns or painting houses. If you are good with computers, there is frequentlyh a need in most areas for someone who will fix computers or even do in-home teaching of computer basics to novices. Any extra money you can bring in each month can go straight towards your current debt.

When drowning in debt, bankruptcy doesnt have to be your only alternative. There are many viable options that should be looked into. So, before filing bankruptcy, be sure to exhaust all other options. Remember, a bankruptcy filing stays on your credit report for 7 years and is as visible as a sore thumb when you apply for new credit, even when things return to a positive cash flow situation, so you definitely want to only consider bankruptcy as a LAST resort when all other options have not worked out.

Jon is a computer engineer who maintains many websites to pass along his knowledge and findings. You can read more about Bankruptcy, Bankruptcy Law, Bankruptcy Attorneys, and Bankruptcy Alternatives at his web site at http://www.bankruptcy-data.com/.Mortgage Lead Programs
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Get Others Happily Involved In Your Vision Before You Throw Your Business Plan At Them

2007-11-09T19:23:00.000-08:00

Get Others Happily Involved In Your Vision Before You Throw Your Business Plan At Them

by Joel Block, http://www.growmyrevenue. com

I recently met with an entrepreneur who had an idea for building a computer consulting practice. He planned to create a software that could revolutionize the way pharmaceutical companies manage the process of collecting data for clinical trials. All he needed was an investor to back him.

When this entrepreneur opened his computer and started to make a PowerPoint presentation to me, I told him clearly that I had no interest in the PowerPoint until I was ready for it. I asked him, first, to briefly describe his business concept so I could decide whether sitting through the presentation would be of interest to me.

As soon as he shut down the PowerPoint, the entrepreneur froze. He simply couldn't tell me why his business was so revolutionary in the hour we spent together without that PowerPoint. For him, like so many other entrepreneurs, PowerPoint is a crutch rather than a supplement to the story that he should be telling.

I told him that before he could successfully raise any capital, he would have to share his vision before explaining how to get there. Otherwise it would end up being nothing more than a solution looking for a problem.

I explained exactly what he needed to do in order to begin the hunt for capital and how to craft his story so it would get an investor's attention. I told him he would also need to develop different versions of his story: one for prospective strategic partners he might collaborate with in the future and one for the buyers who might need his software.

He was excited! We ended our meeting with the agreement that he would go home and think about how he wanted to proceed.

A week later, he called to tell me that he did not want help constructing his story or defining himself as an expert pharmaceutical software developer. He had everything he needed right there - in his PowerPoint presentation. All he wanted was introductions to investors. He was certain that this alone would ensure his success.

Now, I'm not any kind of expert in software or the pharmaceutical business. But, I am an expert at helping entrepreneurs lay out their business structures so that investors will sit up and take notice. In the process of successfully raising tens of millions of investor dollars, I've learned how investors think. They look for the vision. Every year I watch hundreds of entrepreneurs take the PowerPoint approach and fail. Why? Because they start in the middle!

When you get in front of an investor, you have ten seconds to convince them that you're doing something truly exciting. There are no second chances. If you can't articulate your story in those ten seconds, you will lose their interest. You'll never get the opportunity to start that PowerPoint presentation.

The bottom line: Building a successful business is the same as building a house. An architect, workmen and lender may be able and willing to help you build your dream house but you need to tell them what it should look like first. If you've got a dream that's big and exciting and you're looking for people and money to help you build it, make sure you can describe your vision from beginning to end so others can see it, too. Don't underestimate how important this foundation is. If you start with the door - you're going to fall on your face.

This article was written by Joel Block, http://www.growmyrevenue . com

Joel Block is called the Growth Architect by his clients and he is well-known and respected in his field both nationally and internationally. Joel delights in the challenge of starting businesses, growing them, and helping them realize their highest potential. To grab your own free copy of his Successful Entrepreneur's Toolbox ($79 value), visit Joel's site at: http://www.growmyrevenue.com.Voice Broadcasting
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Top 10 Tips For Buying Property Abroad

2007-11-09T17:36:00.000-08:00

1. Have clear motives

Buying a second home is no small purchase so be clear in your mind why you are doing it. Are you looking for a holiday home, a place to retire to or an investment opportunity?

2. Do your research

Never buy a property without first checking that the location suits your needs. Spend some time there and consider transport links and facilities.

3. Choose a reliable agent

Most property agents are on your side but word of mouth recommendations from friends are a good starting point when choosing a reliable agent to assist you in finding your overseas home.

4. Be financially realistic

Follow your head and not your heart when deciding on your budget and remember to add on approximately 10-15% to the asking price to cover taxes, fees and other costs. When searching for a property, always have access to enough money to pay a deposit so that when you find the right one you can secure it immediately.

5. Consider mortgage options

A number of UK banks will organise mortgages in pounds or euros for overseas purchases, but you should also consider using a local bank in the country of your purchase. A euro mortgage will be lower interest rates but may leave you open to exchange rate fluctuations.

6. Get a survey

It is not seen as essential in many countries but if you are considering a second hand property get a survey done as you would in the UK. It will give you peace of mind and may save you both serious heartache and thousands of pounds.

7. Always use an independent lawyer

Choose an independent, bilingual lawyer who has good knowledge of the legal system in the UK and the country in which you are buying. Never sign any documents that have not been checked by your lawyer who should make all the necessary checks on the status of the property.

8. Pay your taxes

With a new property come new taxes: find out which taxes you are liable for, how you pay them and keep up to date with payments.

9. Take out the correct insurance

Every property needs to be insured for its intended use. For example, if you let your property, make sure it is adequately covered for any damage caused by tenants. Holiday homes left vacant for long periods of time also need a special type of cover.

10. Make a local will

It sounds morbid but while it is fresh in your mind, draw up a local will as soon as you take possession of your new property. This will cut out time consuming and expensive legal problems for your heirs and should mean they pay less inheritance tax than if dealt with through the UK system.

http://www.britnett-carver.co.uk/carasolproperties/

Bob Galloway - Ex Royal Marine married for 28 years with 3 children, worked in retailing but now joined the real estate industry.Live Mortgage Leads
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3 Simple and Low Cost Marketing Ideas to Create Visibility

2007-11-09T17:35:00.000-08:00

Marketing your business is one of the biggest challenges for any solopreneur its a task we all find quite daunting, and are simply overwhelmed by all the information thats available. Below I have put together some information on 3 simple and low cost marketing ideas, which you can easily implement right away to create more visibility for your online business and web site. They all work well for me!

To help you decide which is the best strategy (or strategies) for you, I have listed the pros and cons of each one.

Create a Blog

Pros

* You can really show off your expertise by posting on a regular basis.

* Blog posts dont need to be very long approx. 200-350 words.

* If you have some important information to share, you can instantly create a post no waiting for your next newsletter to make your announcement!

* If you use a blogging platform such as WordPress, this is hosted on your website. Each time you post to your blog you are creating fresh content for your website, which the search engines love!

Cons

* You need to post regularly - at least once a week in order for this to be an effective marketing strategy.

* You need to feel confident that you will be able to write fresh content regularly.

* It can be difficult to build a direct relationship with your reader.

Publish an Ezine

Pros

* Unlike a blog, readers sign up to receive your newsletter so you already have a connection with them.

* You can build a relationship with your newsletter reader and encourage one-on-one communication.

* You can go into more depth in your newsletter article than you can with your blog posts.

Your clients/target audience can get to know you through your newsletter.

Cons

* You have to make a commitment to publish on a regular basis, otherwise your subscribers will see you as unreliable, and may even forget about you!

* There is more work involved in putting together a newsletter than writing a simple blog post.

* You will need to subscribe to one of the ezine distribution services I strongly recommend you do this and not send your ezine via your email client!

Article Marketing

Pros

* If you are already blogging or publishing a newsletter, you have your articles written.

* It is highly likely that once you submit your article to one of the article submission sites, it will be picked up and published on other article submission sites.

* Regularly submitting your articles will elevate you to expert status within your field/niche.

Cons

* You have to write the articles if youre not publishing a newsletter or posting to a blog.

* It takes time to manually research suitable article submission sites and submit articles.

* In order for this strategy to be effective, you have to submit your articles regularly at least once a month.

Conclusion: You can just pick one strategy to focus on, or you can do all three! Whichever one you choose make sure its the right one for you. The key is to be consistent in your approach. If you decide to go with a blog make sure you have the time and motivation to add new posts regularly at least once a week. Dont start a newsletter if you know you wont be able to keep to a regular publishing schedule! And for article marketing to be effective you need to submit articles on a regular basis.

Tracey Lawton is a certified Master Virtual Assistant with many years of experience, helping professional speakers, coaches, and authors operate an efficient, organized, and profitable business. Visit http://www.traceylawton.com/tips.htm to subscribe to her newsletter, Virtual Solutions, full of tips for operating a more productive business and receive Traceys The 7 Key Steps to an Organized and Efficient Office special report absolutely free.Live Mortgage Leads
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Quick Property Sales - How to Sell your Home Fast

2007-11-09T17:22:00.001-08:00

Do you want to sell your home quickly? Perhaps you are moving abroad and want a fast completion on the sale of your property? Maybe you face repossession and need a solution to prevent the mortgage company from taking your home, or you need extra cash to solve a financial problem? Whatever your reason for wanting a fast property sale, the answer to your quandary is the cash buyer.

Cash buyers will buy your property quickly and complete the purchase within one to four weeks of you accepting their purchase offer. In some cases, cash buyers can buy your home within 24 hours! Just imagine - no more worrying about how you are going to pay that mortgage, or where you will find finance for your next house move. Cash buyers are the solution to your quick property sale problems! All you've got to do is find them and entice them to buy your home.

Finding cash buyers

The biggest challenge for homeowners who want to sell their properties quickly is in finding property buyers who can buy their homes without the need for a mortgage or home loan. For most homebuyers a mortgage is essential for the quick purchase of their next house. The loan application process can take 6 - 8 weeks, and sometimes longer. These are not the types of purchasers you want to deal with when you are in need of a fast sale.

Instead, your ideal buyer is a homebuyer, property investor or property developer that has finance already in place and can exchange contracts immediately. They have cash instantly available to buy your home from you direct, without the need to involve a lender in the property transaction.

But where do you find these types of property buyers?

Well, you can ask your local real estate agent if they have cash buyer contacts. Alternatively, you can advertise in the local press. You could even search the Internet using a search engine like Google or Yahoo with a keyword phrase such as 'quick sale property'. This is all very well, and no doubt you will attract some interest. However, if you want to be absolutely sure of securing the sale of your home you need to make the property attractive to the buyer. Here's how

1) Give a full 'estate agent style' description of the property. Just stating that your property has x number of bedrooms and has a garden of size y is not going to make you the sale. Buyers want as much detail on the property as possible. If you want to attract their attention you should really go to town on your property description. Go through your house room by room and describe the features that really 'sell' the house to the buyer. Remember to include room size measurements and mention features like double-glazing, boiler systems and anything else that adds value to your home - especially if it is newly installed.

2) Get the property professionally valued. An official valuation of the property from a local estate agent or surveyor is crucial. You need to state the value of the property in your description if you want to achieve a quick sale.

3) Invite offers at 10% - 20% below the property valuation. To get cash buyers REALLY INTERESTED in your home, set the sale price at some 10% - 20% below the open market valuation for your home. By doing so you are guaranteed a flurry of responses to your request for a quick property sale. Buying property at below market value is the sales hook that will draw the right type of buyer in for your property.

4) Have the property ready to view. Cash buyers generally like to view the properties that they are going to buy ahead of making the purchase. Some cash buyers will buy property in any type of condition. So, if there are unfinished DIY jobs in the house or that extension you started is only half-built, there's no need to worry. Cash buyers - especially those with property development experience or investment experience - may buy your home anyway!

5) Get the property's paperwork together. Collect all paperwork relating to your home including guarantees for work done to the building and information on your mortgage lender. The buyer may wish to inspect these ahead of making an offer to buy your property. If you have all these bits and pieces of information together in one place it will make the process swift and trouble-free.

Selling your home fast is a straightforward process. The buyer will generally make all the arrangements. They can even arrange for a solicitor to act on your behalf for the property sale if you so wish. It really is as easy as 1-2-3.

Seb Jay is owner of ProInfo Marketing - a UK-based company that specialises in quick property sales. If you want to sell your home fast contact Seb Jay at ukproperty@proinfomarketing.net for a no-obligation offer on your property.Mortgage Lead Programs
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Cell Phone Batteries

2007-11-09T17:22:00.000-08:00

Cell phones have been a steadily growing phenomenon. In todays world, owning a cell phone isnt a luxury its a necessity. This has proved to be true many instances like when the car breaks down in the middle of nowhere. Also it provides a measure of comfort to parents who can contact their children whenever they want. Cell phones have made day-to-day business more convenient and a great take along for vacations. Various accessories to go along with cell phones are constantly being updated. Digital cameras and hand free headsets are two of the most popular accessories.

With all the great reasons why everyone should have a cell phone, it is best to keep in mind that a cell phone is useless if the battery is dead. A mobile phone with no battery might as well be a toy rather than a useful gadget. Most cell phones come with the viz., lithium ion batteries. Almost all the major companies have their mobile phones equipped with these lithium ion batteries. Lithium ion batteries are rechargeable batteries that can run for a couple of years with careful usage.

Nickel cadmium rechargeable batteries give less performance if recharged before complete discharge. Also, these batteries have a smaller life and are not high powered. Alternatively, lithium ion batteries are lightweight, high powered and do not need to discharge completely before being recharged.

Lithium ion batteries are an ideal choice for cell phones and can be modeled for all kinds of mobile phones. Cell phone users must have a power connection to connect the mobile phone with a power cord to charge. The charge can be as little as 5 minutes for emergency usage. Cell phone batteries with the phone, and replacement batteries are available from the manufacturers.

Although research is being conducted to develop nuclear batteries that are far superior to even the lithium batteries, they are not yet available. Current market indicates that the lithium ion batteries are the best choice for all cell phone users.

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The Plan or the Trash Can: An Email Marketing Guide

2007-11-09T15:35:00.000-08:00

Introduction

Theres no doubt that email marketing has gotten a bum rap from abusive spammers. Several thoughts such as long prison sentences for wide scale spammers instantly come to mind in a vague jumble when this practice is mentioned. Theres definitely a gloomy and sensational edge to email marketing. The Can Spam Act reminded me, in a lesser judicial way, of Elliott Ness taking on Al Capone. I can also still recall reading about the July 25th 2005 murder of Vadran Kushnir, a Moscow-based spammer who targeted millions of inboxes; apparently one of them may have been the wrong one to send spam to.

This madness aside, people in the online advertising and marketing industry, the legitimate ones that is, know that email marketing is vital to a companys strategy. Indeed, marketing via emails enables a company to keep a line of contact with existing clientele and to generate leads for its sales team. The following is a broad overview on how to run an ethical and dynamic email marketing campaign geared towards producing sales leads.

I. Know Your Visitors To Be In Compliance With the Can Spam Act

You should know your visitors for two reasons: legality and efficiency. Firstly, at any given moment, you must be able to account for precisely when and where you got each and every email address on your list. Indeed, for every mass email sent out, there will be a handful of people who did actually sign up to be placed on the list but who, regardless, will continue to complain about being on that list and threaten to report you to your States Attorney General office. The environment surrounding email marketing described in the introduction all too often compels people to hastily lump illegal spammers together with legitimate email marketers that entered into a consenting relationship with the recipients on their list. This irritation may simply be because recipients grow weary of the emails that they signed up for or altogether forget that they signed up for them in the first place.

According to the Federal Trade Commission website, the Can Spam Act that went into effect on January 1st 2004 reserves fines of up to $11,000 for each violation that an email marketer commits. In order to protect themselves from such a financial threat and, of course, to ensure the ethical behavior of their clients, mass email distribution service providers such as CoolerEmail.com and IntelliContact.com clearly stipulate in their terms of service that all fines are the responsibility of the client, not theirs, and that all clients must be able to account for every email sent.

Being able to sleep at night if youre a legitimate email marketer dealing with thousands of recipients can easily be achieved by adopting a sound email acquisition tracking procedure. Keep both a digital and printed record of all of your online and old fashioned pen and paper sign up forms and of all the people who used them to add themselves to your email lists. In addition there should be a timestamp next to each email address to indicate time and day. All this can easily be obtained by your tech support team as they are able to export, from the site of the published form, a nicely formatted Excel sheet of the list. Of course, history logs must be obtainable to answer any audit trails of those records.

II. Know Your Visitors To Increase Your Email Marketing Efficiency

Email distribution service providers such as Intellicontact.com provide advanced reporting that allows you to determine where your recipients came from and what links they are more prone to click in an email. Distinguishing your recipients point of origin and interests is important to prevent them from being alienated by the message you are sending. This is especially important if you are managing the email marketing of a company that offers a broad range of products or services. Email optimization begins with dividing your master list into specific subgroups. Reports from your previous mailings will allow you to download lists of recipients who clicked on certain links to visit specific pages on your website. A good email distribution service will also allow you to automatically categorize future recipients based on which online sign up form they came from. Knowing the preferences and browsing tendencies of these subgroups will enable you to send more precise and catered mass emails to specific audiences.

Does this mean that you shouldnt pitch all of your products, services, or general messages in emails? Of course not: The purpose of email marketing is, after all, to generate leads for your companys sales team to follow up on. It is even possible to use the same content in all of the email batches that you plan on sending out. The only difference is that you should arrange your content in a way that gives prominence to the information that each subgroup of recipients will appreciate the most. In addition, your subject line should reflect the interests that characterize each of your subgroups.

Following these simple guidelines will increase the probability of matching potential sales to potential clients. More importantly, it will prevent people from becoming aggravated with content that does not interest them, which we all know is the main ingredient for landing your hard worked email in peoples Recylce Bin. Finally, always remember that once a user hits that little unsubscribe link, that should imperatively be at the bottom of each email, you may as well give your final adieus as it is almost impossible to get that person to sign up again.

Gene HeratoriMortgage Lead Programs
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A Guide of Berber Carpet

2007-11-09T15:34:00.000-08:00

One of the more popular carpets on the market is the Berber carpet. Here is a guide to maintaining Berber carpet without destroying it.

A Guide of Berber Carpet

One of the most popular types of carpet available for home installation today is Berber carpet. Different from the synthetic high-traffic carpets of the 1960's and 1970's, or the high pile (fluffy) carpet of more recent years, Berber carpet offers stylish looks as well as durability. Berber carpet is not a specific type of carpet (such as wool or nylon), rather it is a weave of carpet consisting of dense small loops that can be in a patterned formation or a solid color. One of the biggest reasons that many people choose a type of carpet is ease of care.

Berber carpet prior to 1985 was typically made of nylon (a synthetic fiber) or a nylon/wool blend. These carpets were usually manufactured in light, neutral colors (such as beige or off-white) and were not very popular due to their light color. In 1986, Stainmaster (made by DuPont) was developed, and this coating went a long way to increasing the popularity of the carpet as it made maintaining it much easier. Also at this time, olefin, a type of synthetic extremely stain resistant fiber became readily available to carpet manufacturers. Berber carpets made from olefin were nearly stain proof, because except for oil based stains nothing could penetrate the fibers.

To make sure the Berber carpet in your home doesn't need frequent care, pick a Berber that's made of olefin and one that has a high density. While this carpet will resist dirt and stains better than others, once you do have to treat it, you'll need to follow a few simple rules. Since Berber carpet is so dense and closely woven, any stains that do penetrate it will be harder to remove. Also, the close weave will mean that once cleaned with a steam cleaner and solution, Berber carpet will take longer to dry than ordinary types of carpet.

Do not over saturate the carpet and be sure to pick a dry day to attempt to clean the carpet. Humid days mean that carpets will take much longer to dry. Depending on the time of year, you can also turn up your heat or air conditioning to allow the carpet to dry faster. You may feel tempted to make more than one cleaning pass on your carpet, but with Berber, it's important not to keep adding more solution into the carpet, because it will be harder to remove (vacuum out) and dry.

All and all, Berber carpet is one of the more durable versions on the market. You should not have too many problems maintaining it for years.

Enrique Cleanotto is with http://www.carpetcleaningyeti.com - information on carpet cleaning and carpet cleaners.Live Mortgage Leads
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Lead A Debt Free Student Life, Obtain Debt Consolidation Loans

2007-11-09T15:22:00.000-08:00

A prompt and timely repayment always keeps you away from falling into a debt trap. But at the time of financial crisis it becomes quite difficult to make all repayments viable especially if you have taken several debts. To overcome this situation a debt consolidation loan would be the best answer for you.

Too many debts always create a problem with your repayments. Debt consolidation loans help you to repay all your existing debts by consolidating them into one. To be more clear, consider this example. Suppose if you have 3 existing debts. Now when you take a debt consolidation loan, you will make repayment for only this loan. All your previous debts will be merged together and will be repaid automatically by the debt consolidation lender. This will help reduce the size of your repayment and you will be bound with only one creditor.

Student debt consolidation loans also offer several benefits. They come with a very low rate of interest and are charged only after you have completed your school and college. There are plenty of rebates also available that you can avail with student debt consolidation loans, Apart from that if you go for this loan, your debt pressure will decrease a lot and you will be able to concentrate on your studies and work.

You will get a student debt consolidation loan mainly from two sources:

A government agency- These are federal loans offered usually with cheaper interest rate than other sources.

A federal agency- also known as private student debt consolidation, offer loan to all students who fail to get a government fund.

Student debt consolidation loans are offered to all types of students. As a student, this might be your first loan that you need to repay your tuition fee, boarding fee, travel expense etc. So, you will be offered with a no credit history loan. You will get a student debt consolidation loan also if you have a bad credit history.

The process of student debt consolidation application is as simple as filling any other form. The most ideal and affordable source of application is the internet to which every student is familiar. Internet provides a range of lenders offering student debt consolidation loans. The application form will ask you for certain details about your identity and credit history. Being a student your loan application will be approved quickly without any delay.

But before filling out any form, first research and find the lender offering best loan amount with the lowest interest rates and easy repayments. This way you will get the best deal that will make your financial status good.

Alex Jonnes is associated with Easy Debt Consolidations. He is Masters in Business Administration and writes on various finance related topics. To find Student debt consolidation loans, Bad credit debt consolidation loans, Debt consolidation loans, Debt reduction visit http://www.easy-debt-consolidations.co.uk Mortgage Lead Transfers
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A VA Repo for Me A VA Loan was not to be

2007-11-09T15:21:00.000-08:00

My first two "no money down" deals were maybe a bit of luck. The situation being just right and me taking advantage of them. The first was buying my first house under the GI Bill with A VA loan and no money down.

My second house was buying a near new home with no money down by allowing one of the original tenants to stay in the house for two months rent free with me taking over the loan and house ownership. I used a credit card loan to cover the two months house payments.

I could have been just lucky, although it sure didn't seem like that in other ways. I hadn't really thought much about "no money down" as a way to buy a house, those transactions just happened to be that way.

I wanted to own a mortgage

During that time of buying my second house I was also looking for another house to buy. I had met an old gentleman from San Bernardino who had fifty-five houses, if I remember correctly, and I thought it would be nice to eventually own a few houses myself.

Right now I had come to like mortgages and how easy it was to create money "out of thin air" by creating mortgages. I like figuring out things and I was planning on buying more houses and then reselling them with me keeping a mortgage on the property. That would give me a cash flow and a long-term tax right off.

Since I could get two houses with little or "no money down" why couldn't I get a third one? That first one really didn't count as far as I was concerned since it was primarily bought to live in and secondarily as an investment, besides, as far as I knew, one could only have a new VA loan on their residence.

The situation of "no money down" isn't always the case for every VA loan, and the rules have changed since I got my original VA loan. You need to check the current rules as I believe that now unless you are a first time VA Loan applicant it requires a down payment and there are some other changes. I couldn't get a new VA loan because it was an investment house, so I needed to use another strategy to purchase any more houses.

Fixer-uppers were a choice

I also thought I might be able to find a fixer-upper house. Once fixed up I could possibly sell it and carry a mortgage, thus combining my mortgage idea. I thought I might find a lower priced fixer-upper more in my price range.

I scoured the free throw-away papers looking at ads for houses for sale. Every day without fail I looked, even driving as far as 50 miles to see what was advertised and look at houses. I saw a lot of houses, but most were not true fixer-uppers and the prices were too high for the property.

I live in Riverside County, in a used to be, rural area of southern California. It still is in a lot of respects. Being fairly rural there are not nearly as many houses for sale around here as in a big city like Los Angeles or San Diego, both about an hour away.

The prices in those areas were too high for me anyway. I was lucky the prices of many houses within about 5o miles of me were relatively reasonable in cost, except for those in Orange County some 40 minutes away. Too bad I didn't have a lot of money to work with because I saw some nice, reasonably priced houses, but they required no fixing up.

I felt I could work on fixer-uppers in my spare-time but I never found any reasonably priced ones. Everything I saw was much too high priced for a fixer-upper as far as I was concerned.

What about HUD or the VA?

From watching houses that were sold and talking to real estate agents I determined most houses from the VA/HUD in my area were going for more than they were worth. In other words, people were bidding too much for them, thinking they were getting a bargain.

There was heavy advertising on those repos and most people probably assumed you would get a good deal. That wasn't always true. I remember one house I looked at. I was going to bid $78,000, but at the last moment decided not to bid. I was not sure the house was worth it.

As it turned out it sold for $93,000 as a HUD repo. But it was probably worth only about $80,000 or in that price range. Some times and in some areas, HUD/VA repos are very good deals, but not always, so do your homework before you bid.

Bidding on a VA property

While looking in the papers and also checking the HUD and VA repos I couldn't find many houses in nice areas. Most were in areas that I didn't want to buy in. Then bingo! I found a nice home in Loma Alta, near Ontario California, with a nice size yard, a big pool, and the house was fairly large.

It was only a few years old. The only thing wrong was the pool was trashed and needed cleaning. Big time. It was right before the bidding closed so I hurriedly put in a sealed bid of $103,000 which I felt was reasonable and not over bid. I figured it would be too risky bidding more.

I won the bid!

Surprise, surprise I won the bid. Was I lucky or what? What next? I checked with the VA to get the details of their financing. Surprise again. They were not offering financing like they normally do on repos.

In their description of the terms it had said something about getting your own financing, but it seemed in the context it was in they were referring to investors buying several houses at a time or those buying other than single family houses. I had interpreted it wrong and now I had to find financing. I didn't expect that at all otherwise I would never have bid.

Whoops! I needed financing

I had three days to procure financing. I called many lenders and all told me the same thing. I needed to put a huge down payment, which I didn't have, to get a loan. After a lot of fruitless calls I came to the conclusion I just wasn't going to get a loan for any kind of down payment I could afford.

I had two houses at the time and all the lenders considered me as an investor. That almost always requires more money down compared to someone who was going to live in the house. I think the lowest down payment I could get quoted was 15% down, but that was too much, even though it was lower than most quotations.

No financing for me

I sheepishly called the VA, explained my situation and asked if they would allow me to rescind my bid or could they disqualify it since I was unaware of the financing restrictions. Being a government agency I didn't expect much but I was pleasantly surprised when they did just that. Furthermore, there was no penalty.

Understand VA/HUD auction rules

I felt whole again. Back to the drawing board. I felt there would be other chances to buy a house. I learned a lesson there. One needs to understand thoroughly, any auction rules or descriptions, before they make a bid.

In my particular case, when I found out about the property above, it was on the last evening of the bid and it was not possible to contact anyone at the VA to answer my concerns. I was so anxious to bid, hoping to get a good deal, that I let that override my normally cautious actions. I won the bid alright, but lost the house.

Copyright © Charles Harmon

Charles Harmon is a software developer. He creates websites and writes articles. A favorite interest of his is investing in real estate. Another interest is software technology and downloading free software. Charles is also interested in stocks and options found in financial investing markets. For more details visit http://www.realestateviewpoint.com/.Live Mortgage Leads
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Cash Loans till Payday easy option for availing instant money

2007-11-09T13:32:00.000-08:00

If you are a salaried person then you need not to look around for timely financial help as your paycheqe itself can ensure you an urgent loan. Cash loans till payday are specifically designed for salaried class of people in case they require an instant loan. As is clear from its name, cash loans till payday are approved for up to a period till you get next paycheqe. So the loan is based on your paycheqe day and therefore is convenient to get and repay.

The main feature and attraction of cash loans till payday is its instant approval as it is specifically designed for urgency. For most of the applicant, cash loans till payday are approved within hours of receiving the loan application. This ensures that the loan amount is electronically deposited in the borrowers bank account the same day or next business day. So the borrower can use the loan amount within 24 hours. One can say that through cash loans till payday you can pay your medical bills instantly or meet any expenses without delay.

Cash loans till payday are approved without collateral for a very short period of two weeks till your next payday. You can pay off the loan through next paycheqe. But you also have the costly option of extending the loan for couple of weeks. It is costly option because; cash loans till payday carry the lenders very high fee. The fee is enhanced on extended duration of the loan. As far as the loan amount is concerned, a salaried person can borrow ₤100 to ₤1500 depending on his monthly salary.

Cash loans till payday are approved without any credit checks. So bad credit borrowers can apply for the loan without any credit fears and for them also the loan is instantly approved. Cash loans till payday are approved for borrowers who are at least 18 years of age and earn a regular fixed monthly salary. The borrower should also have an active checking account in a bank. You can get cash loans till payday from online lenders. But compare them first for their individual fee on the loan.

Angela Alderton is a specialist advisor of Quick Cash Payday Loans and is curently working with Quick Cash Payday Loans. To find Cash loans till payday, Quick cash payday loans, bad credit payday loans, online payday loan service, payday loan visit http://www.quickcashpaydayloans.co.uk/Mortgage Leads
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79 Ways For Kids To Exercise- - Indoors Or Out

2007-11-09T13:31:00.000-08:00

79 Ways for Kids To Exercise Indoors or Out

Do you spend all your free time watching TV or playing video games? Two hours of TV or video games a day should be your limit, if you want to be healthy and strong and develop your creativity. Here are some exercise ideas!

1. Walk your dog

2. Walk your neighbors dog (with permission from your parents and your neighbor, of course)

3. Fly a kite

4. Toss a Frisbee

5. Ask your parents or grandparents to take you to a state park or other area where you can take a nature hike. Look for unusual plants, insects or wildlife and take samples or pictures for your science class or show and tell

6. Ride your bike

7. Skate

8. If you have a yard, pick up sticks or trash

9. Pull weeds

10.Rake the yard or garden

11.Play tag 12.Play hopscotch

13.Have a hula hoop contest, and see who can keep the hoop up the longest

14.Learn to juggle

15.Jump rope (boxers do it, and look how strong & healthy they are!)

16.Visit the zoo, amusement park or museum (lots of walking)

17.Wash the car

18.Have every family member wear a pedometer, and have a daily challenge to see who can take the most steps. Losers do winners chores the next day!

19.Shoot hoops

20.Play soccer

21.Play softball

22.Play badminton

23.Have a water balloon fight

24.Put on your bathing suit and run through the sprinkler

25.Go swimming (never without an adult to supervise!)

26.Give the dog a bath. The bigger the dog, the more exercise you'll get!

27.Sign up for a charity walk-a-thon with your parent, grandparent, or other relative. Youll help raise money for a good cause and get in shape at the same time. If your town doesnt have a walk-a-thon, start one for your favorite charity

28.Do jumping jacks

29.Do push-ups

30.Put on an exercise video and get a good workout

31.Do sit-ups

32.Learn to play golf, or caddy for someone else

33.Play tennis

34.Play miniature golf

35.Go bowling

36.Learn to twirl a baton

37.Take a class in martial arts and learn to defend yourself

38.Build a fort and play cowboys and Indians

39.If you have a two-story home or a home with a basement, carry out-of-place items up or down stairs, one item at a time

40.Run the vacuum

41.Wash windows

42.Clean your room

43.Ride your skateboard

44.Learn yoga, either at a class or from a video

45.Race-walk

46.Have relay races with your friends or family

47.Play touch football

48.Learn ballroom dancing

49.Learn hip-hop dancing

50.Take classes in ballet, jazz or tap dancing

51.Join a clogging or Irish step-dancing club

52.Learn to play an instrument and join the marching band

53.Join a gym or work with a private fitness trainer

54.Practice turning cartwheels in the yard

55.Walk on the beach and collect shells

56.Set up an obstacle course in your back yard, and practice going faster and faster through it

57.Have a tug of war

58.Get several parents & kids together and have one-legged sack races

59.Learn to water ski (again, make sure you have adult supervision at all times!)

60.Learn to surf (same as number 59)

61.Play hockey

62.Climb the monkey bars or a climbing wall

63.Go horseback riding

64.Learn gymnastics

65.Play volleyball

66.Play table tennis

67.Use normal household items and form a rhythm band. March around the house or neighborhood playing your instruments

68.Pull your little brother or sister around the yard in a wagon

69.Play croquet

70.Have a long-jumping contest with your friends, and see who can jump the farthest

71.In the winter, you can ice skate;

72.Ski- - either downhill or cross-country

73.Build a snowman

74.Build a snow fort and have a snowball fight

75.Go sledding

76.Shovel snow off your sidewalk or driveway

77.Take your dog outside and play fetch in the snow. Most dogs love snow!

78.Take a walk in the snow, then try to step in your own tracks all the way back

79.Shovel snow off someone elses walk, either as a favor or to earn money

What are you waiting for, kids? Start moving!!

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Keep Your Eyes On The Horizon, But Leave The Back Door Open

2007-11-09T13:20:00.000-08:00

You've probably heard the saying that good things don't always come to you the way you expect them to. That's why it's best not to get too focused on "how" something is going to come about, but more on what it is you want to create or achieve.

My goal, like yours, is to grow my business, so I constantly explore avenues and possibilities for expansion.

Sometimes acting on certain opportunities have brought me to dead ends.

And sometimes they've taken me miles away from where I thought I'd end up, but surprisingly, to a much better place than I ever imagined.

Here's one such example...

Because I conduct my business primarily over the telephone and Internet, I never made an effort to integrate into my own community. Coaching was, and still is, virtually unknown in these parts.

A year ago, I decided to open a chapter of a national women's business group in my city. The organization has a solid platform and is rapidly expanding across Canada and the U.S. It provides national exposure, training, networking opportunities, and support and resources for entrepreneurs and executives.

Through this alliance, I saw the potential to integrate myself into my local business community while providing my fellow business owners with the venue to learn, connect and grow their businesses on a much larger scale.

I envisioned a large gathering of passionate business owners who would embrace the concept and opportunity as heartily as I had.

Unfortunately, only a select few were able to think bigger and bolder than the masses. The majority of business owners were satisfied with their businesses remaining "as is". They were comfortable with where they were.

After almost a year of attempts to build the group from the small number I had enlisted, I decided to let it fold. The efforts were taking me away from focusing on my own business and the dismal results gave me the answers I needed.

This was something my city was not ready for. At least, not just yet.

When I first envisioned the dream of one hundred or more local business women embracing the concept and helping each other grow their businesses, I was excited and couldn't see how anyone wouldn't want to be a part of it.

And, based on the failure of this attempt, I could be frustrated and remorseful for taking the chance, but the experience brought me far more than I expected or hoped for.

Because I took a chance, I put myself in front of many highly respected and successful business women I may never have met. I've since formed business relationships with several of them that will bring me several thousand dollars in added revenue this year.

I was invited to join a local mastermind group made up of some of the brightest business minds I know with wide circles of influence.

I was invited into a "by invitation only" group of business owners who share leads and resources with each other. At the last meeting I received over 34 leads from just one person alone!

I receive regular phone calls from local business owners inviting me to lunch, to learn more about what I do, looking for help in expanding their thinking and businesses.

All because I took a chance and put myself in front of others.

I didn't fail. I just created an entirely different result than originally planned.

And I honestly have to say, I'm loving how everything has unfolded.

I'm sharing this because I want you to embrace the possibilities.

As you build your business and explore opportunities, by all means, do your due diligence to ensure you take responsible risks.

You may land on your butt from time to time, but that comes with the territory.

The important thing is - when you come across something that you think might have teeth, take action. Sometimes you will create the results you were hoping for and that's great, but don't let a detour break you.

Sometimes those detours will take you down a path that you never knew existed, one that is far better than you could have envisioned on your own.

Keep your eye on your vision, but always leave that back door open because oftentimes your greatest opportunity will slip through, waiting for you to turn around and notice it.

2007 © Laurie Hayes - The HBB Source

Laurie Hayes, founder and Director of The HBB Source, helps freedom seekers cross the bridge from employee to home-based entrepreneur. Subscribe to her FREE e-zine for valuable tips and resources designed to create business success, at http://www.thehbbsource.com Live Mortgage Leads
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Healing from Sexual Child Abuse is Possible

2007-11-09T13:19:00.000-08:00

If you are having trouble with relationshipson the job, in your family; or experience low self-esteem, panic attacks, anxiety, depression, alcohol/drug abuse, nightmares, suicidal thoughts or attempts, shame, guilt, baseless crying, angry outbursts, inability to recognize your feelings, mood swings, emotional shut down, numbing out, arthritis/joint pain, chronic/acute fear, headaches/migraines, eating disorders, PMS, gastrointestinal/gynecological disorders, chronic fatigue syndrome, MS or fibromyalgia, you are not alone. Many men and women experience this kind of pain. Many, if not most, do not know sexual abuse/incest is the cause of their emotional/ physical pain. They attribute these maladies to their inadequacy for the rigors of adult life or genetic abnormality.

Family violence research reveals sexual abuse is as high as 62% for females and 31% for males. Whether the abuse occurred once or several times is irrelevant, because the damage is incurred immediately. The damage is profound, extensive and pervasiveit is a soul injury. Time, money, pills, surgery, marriage, children, moving, jobs, divorce, perfectionism can not heal the pain.

Talk therapy is inadequate to uncover the emotional pain, and heal the trauma trapped in muscles and tissue. To fully appreciate the depth of this pain, I will quote one of my clients, "Even my blood hurts." A multifaceted healing process specifically focused on sexual abuse recovery and diligent work is the most effective; wherein the survivor can replenish their emotional and spiritual identity and empowerment.

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How Email Lists Can Lead To Larger Online Incomes

2007-11-08T23:18:00.000-08:00

Communicating with customers is the best way to persuade them to return to your web site and make a purchase. The easiest way to do this is to create an email list. With an email list, you can accomplish many things including:

* Repeat sales it is much easier to sell items to those who have already used them and are satisfied with them.

* Trust and loyalty many people are still unsure about purchasing items from the internet and only shop on select sites. Sending email and promotional alerts will persuade people to shop on your site. Once they have made a few purchases, you will have a customer for life.

* Branding branding your product using a logo or slogan will help people recognize your product easily. Including your company logo in all email sent will help spread the word and create brand awareness as people can forward your email on to others.

* Newsletters with an email list, you can send monthly newsletters that inform people about what is going on in your industry and your web site. Include sale items, new products, and other information that will entice customers to browse your site.

As you can see, the benefits and possibilities you create for your company by building an email list are many. This is a resource that will continue to grow as more people visit your web site.

Sign me up!

The biggest obstacle when creating an email list is getting people to sign up. While you can't force people to sign up for email alerts, newsletters, and other items, you can persuade them in a variety of ways.

* Landing pages This is a page that can be used to introduce your web site. Many internet business owners use this page to expand their email lists. Simply ask for email addresses before taking visitors to your site and you will be amazed by how quickly people will sign up.

You can choose to make this mandatory for entry to your web site or voluntary. Try both ways to see which is more successful.

* Advertising the newsletter By simply adding a sign-up box on the pages of your web site asking if people want to sign up for your newsletter, your email list will grow. Make sure your box is easy to find and easy to use.

* Ordering pages You can ask customers when they are placing an order if they want to receive alerts and other promotional items. Make it easy by having them click a box to sign-up. Since most companies need email addresses in case of order issues, all you need is the customer's permission to send promotional items to their email address.

* Receipt confirmation pages Ask a second time on the receipt confirmation email you send to customers. They may change their minds and want to sign-up.

Always include an opt-out option so customers will be able to remove themselves from your email list at any time. Add this to the bottom or your email.

Buying email lists

If you are having difficulty building an email list, you can always enter into a joint venture with other internet business owners or affiliate marketers. By sharing some of the profits earned from list sharing, you will be able to reach even more people, who may turn into customers.

Buying email lists outright from a list broker is another option. For a one time fee, you will have access to hundreds of potential customers. While most internet business owners build their own email lists over time, if you want to increase your sales quickly, investing in an email list may be the right decision for you.

Even though there are many forms of marketing on the internet, communicating directly with customers is still the best way to make a sale. Creating an email list or purchasing one will allow you to showcase new items, persuade more people to visit your site, and increase the number of return customers, which can have a huge impact on your bottom line.

Stuart Pearce is founder and owner of Style Product Developer Ltd. The company specialise in offering tools and resources to make the creation of a web based business easy and accessible to all. Begin your online career now, visit http://www.styleopportunities.com for details.Mortgage Lead Transfers
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Home Improvements Turn Average Homes into Dreams Come True

2007-11-08T23:17:00.000-08:00

TAMPA, FL If youre thinking about taking out a home improvement loan, there are several options to consider. First and foremost, your mortgage consultant needs to know why you want a home improvement loan. Here are some factors to take into consideration.

How long have you been in the home?
Will the improvements increase the property value?
Are you making improvements to increase energy efficiency?
Will improvements be made in one fell swoop, or in stages?
What is the current outstanding balance on your mortgage?
What is the appraised value of the home?
How much will the improvements cost?
What improvements will be tax deductible?
Do you have other revolving debt that you would like to pay off at the same time?
Are you making improvements because you plan to sell the property?

The New Tract Home Blues

Buyers of newly-built homes are often tapped out after making the initial down payment and closing costs, including upgrades to amenities and the inevitable need for new furniture. Shortly thereafter, they realize theyd like to make additional improvements to really have the home of their dreams.

If youre planning on putting down roots (pardon the pun), landscaping may be in order. The developer may have been kind enough to make the front yard a perky green, but if the back yard is a disturbing brown color sparse with weeds, you may be entertaining the vision of a pool or deck.

Look into the option of a Home Improvement Loan with a fixed interest rate as a 2nd Trust Deed. This type of loan does not require you to have equity built up in the existing mortgage. The maximum loan amount could go as high as 125% of the current appraised value of the home, and you can make the improvements yourself or go the extra mile and hire a contractor if the job requires architectural design, permits and inspections.

The Major Overhaul

If you have built up equity in your home and are geared up for some major renovation, the Home Equity Line of Credit (HELOC) is probably your best bet. This adjustable loan allows you to use your equity as a line of credit, so if you have improvements that are phased in over time you can simply write a check when you need to pay a bill.

Its like a having a credit card with a much lower financing rate. In fact, the HELOC can be used for any reason at all even paying off that credit card debt. In most cases, this action turns that revolving debt payment into a tax deductible payment with a lower interest rate. The HELOC is generally a 2nd Trust Deed, unless it is used to pay off and replace the 1st Trust Deed.

A construction loan is an alternative to the HELOC for borrowers who dont want to use or dont have equity, and this type of financing can be used for construction on an existing dwelling. The lender will ask a lot more questions about what the borrower wants to do with the money, and the home owner will need architectural designs, permits and a licensed general contractor on board.

Construction loans are short-term loans that usually require interest-only payments until completion of construction, but the balance is due when construction is done. Most often, that is managed up front by setting up construction-to-perm financing. In this scenario, the loan is automatically rolled over into permanent financing at a fixed rate when construction is complete, and a rate-lock agreement can be purchased to carry the borrower through that period of construction.

Another option depending on the value of your home and local loan amount limitations is the FHA 203(k) Program. This financing is designed for the purchase or refinance and rehabilitation of properties that meet FHA guidelines. This is worth looking into if you need to bring a property up to compliance standards, finance eligible energy efficient improvements, or turn a single-family owner occupied dwelling into a duplex to accommodate Mom or Dad!

Just a Facelift, Please!

If you want to sell your home and you simply want to improve the curb appeal, it makes sense to go with a HELOC. Make sure you are aware of the current market value of homes in your area to make sure youre not going over the limit on the fair market value of your home. Youll want to get a return on your investment!

If youve had your home on the market too long and have not been able to sell, you might want to make some changes to give it a fresh new look and bring back the passion you once had for your home. Your mortgage consultant will help you weigh out your options for financing based on your outstanding mortgage balance, income and credit score.

Regardless of your reason for home improvement, make sure you share your goals with your mortgage consultant. He or she can walk you through the various loan options and confer with your tax advisor to make sure youre getting the best deal possible.

Leah Ross is affiliated with AmeriFirst Home Mortgage, a Licensed Mortgage Lender, State of Florida, Office of Financial Regulation. For free consultation and more information about mortgage loan programs, call Leah Ross at 813-643-8430 or vist http://www.amerifirstflorida.com.Live Mortgage Leads
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Home Improvement Projects For 10000 Or More

2007-11-08T23:02:00.001-08:00

If you have a large budget available for home improvements then you have many options open to you.

A new kitchen is considered to be one of the best ways to add value to your home. There is a huge choice of styles and prices. These range from budget lines at DIY stores to hand built luxury options. The kitchen is often the centre of your home so it is worth going for the best quality you can afford. If you intend to move house then the kitchen will be a major selling point so make sure you choose a style with a wide appeal, but dont spend a fortune on luxury fixtures and fittings.

If you would like a new bathroom then once again there is considerable choice. Magazines and catalogues will give you ideas on the look you wish to achieve. Is it going to be a functional family bathroom or a luxury retreat for relaxation? If you are changing the layout then check this is practical and remember the plumbing costs will be higher. Also dont forget to allow for wall tiles, flooring, and accessories, including storage, in your design and your budget. Specialist bathroom shops are likely to offer expert advice and fitting with a greater choice. However, you will also find all the essentials in DIY retailers.

A conservatory is a way of increasing the space in your home and there are many specialist companies to choose from. As well as the building costs you need to allow for roof and window blinds, flooring and furniture. There will also be tidying up outside to do. For example perhaps altering or building a patio.

Converting your loft or garage is another option if you are trying to maximise living space. It could perhaps be used as a bedroom and/or bathroom or a family room. You can use a general builder or a company specialising in this type of work.

A new driveway may not have a direct impact on your lifestyle but it will transform the look of your property. Block paving is popular and can transform a property but is expensive.

With any of these projects it is important to find workmen you trust, preferably someone who has been recommended to you. Always obtain several quotes in writing and make sure you take a step back from high pressure salesmen. Give yourself time to think about their quote before signing any agreement.

When arranging finance for projects of this scale it is important to find a good deal as the amounts involved can mean large savings if you plan carefully and find a low cost loan. Normally finance on this scale comes in the form of a secured loan or arranging an extension of an existing mortgage.

Sue Barnard authors consumer information for a variety of money saving and personal finance websites. More of her work can be seen on this http://www.crazycredit.co.uk/ website and this http://www.low-cost-loans.co.uk/ website.Live Mortgage Leads
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Top Obstacles of Home Selling

2007-11-08T23:02:00.000-08:00

After listing a house several times and receiving little or no response from prospective buyers most people begin to wonder what the problem is. Some realtors will tell you that selling a home takes time. Indeed it does. If you notice that similar homes in the market are selling and yours is not, there could be a deeper problem.

One of the biggest obstacles of selling real estate in Colorado is the price of the home. If your home is priced to high, it is unlikely that you will receive inquiries. The best way to price your home is by comparing it to similar homes in your area that have recently sold.

Many sellers price their homes by using a dated appraisal combined with an appreciation calculation. This is not the wisest method for pricing your home for two reasons. Your home is not guaranteed to appreciate over time. In fact, some homes depreciate in value. The second reason is that an appraisal even as little as one year ago does not win over current market worth. The best way to price your home is based on todays market.

A second obstacle that could stand in the way of selling a home is the condition of the home. Buyers are looking to purchase homes that are in top condition. Anything less will likely not receive an offer. It is important to make sure your house is presentable both inside and outside before showing it to any prospective buyers. In fact, the outside should be prepared before the home is listed. If a prospect drives by the house and deems the outside not presentable, he or she will not bother with inquiring about the inside of the house.

Price and condition are two of the biggest obstacles for home selling. If your home is not selling, these are the first to attributes you should check.

LaToya Irby is the editor of Real Estate in Colorado. You can find more information at http://www.coloradohut.com.Mortgage Leads
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Credit Card Fee Increases

2007-11-08T21:17:00.000-08:00

This month on our two credit card statements are notices informing us that as of Oct. 1st we may be charged "more than two" late fees or over the limit fees" per month. What's going on?
Gwen

It's estimated that Americans charged $1.8 trillion in 2005 on the 690 million credit cards outstanding. According to a Government Accountability Office study released in September, 2006, 13% of credit card users were assessed over-limit fees and 35% were assessed late fees in 2005. So Gwen has a lot of company.

Let's try to do three things. First, understand what these fees are. Next, see how fees are changing. And, finally, what Gwen can do to keep from being hurt.

Credit cards have always had fees. Some, like for a late payment, are understandable. Others came along as credit cards took on new capabilities. Think cash advance and balance transfer fees. Still others, like over-limit fees, seem like they shouldn't be possible. You would think that they wouldn't allow you to borrow more than your limit.

There are also 'penalty interest rates'. If you're late with a payment or go over your credit limit you could see your rate bumped to 30% or more.

The 2006 GAO study looked at fees and penalties. It said that not only were fees increasing, but the credit card companies were doing a lousy job of informing consumers about those fees.

The credit card companies are obligated to tell you about any fees or penalties and how they're triggered. Some fees, like paying your credit card bill by phone, are sometimes not clearly disclosed. What Gwen received with her statement was a notice of a change in how fees would be charged. And, as long as she's notified they can get by with almost anything.

Late fees have nearly tripled in the last 11 years. And many cards have adopted a 'universal default clause' that says a late payment on any card will trigger the penalty interest rate.

Credit card companies say that the higher interest rates and fees are appropriate based on risk factors. If it weren't for the higher fees, they claim that they wouldn't be able to offer credit to riskier consumers.

In fairness, the GAO's survey found that (at least among 6 of the largest card issuers) 80% of accounts paid interest rates of less than 20%. So the vast majority of card users are not paying penalty rates.

But the study also found that the disclosures were written well above the eighth grade reading level and (surprise!) featured small print. They recommended that the Federal Reserve Board revise rules on credit card disclosures.

Now that we understand what's going on we can try to help Gwen avoid problems. The first thing is to recognize that the card issuers get to make most of the rules. And, whether those rules are fair or not isn't relevant. The best she can do is to avoid getting hurt by those rules.

Get familiar with each account. The only way to know exactly what's allowed is to read and understand the "Card Member Agreement." Tough duty. But necessary.

Watch out for unexpected fees. Like for balance transfers or increasing your credit limit. Know what could trigger fees or penalty rates.

Know exactly when your payment is due. Keep a list of due dates for your credit card accounts. If you don't get the bill, it's your responsibility to contact the company and still make a timely payment.

If possible, the best thing to do is to join nearly half of the cardholders who paid little or no interest. That's because they do not carry a balance.

Obviously, for many people that's not immediately possible. Then it's important to send in your payment as soon as possible. Being seven days early is better than being one day late.

If you find it difficult to get your payment in on time, you might want to authorize the credit card company to automatically debit your checking account for the minimum payment each month. You'll probably pay for the service, but that way the payment can't be late.

Talk to your card issuer. If your due date falls at a bad time of the month, they'll move it.

If Gwen is near or over the limit on any card, she should try to shift part of the debt to a different card. Some fees are even being assessed when an account is merely getting too close to the limit. Your best bet is to keep balances to less than half the available credit.

Although the higher late fees are infuriating, they do minimal damage. The real problem is in the universal default clause. Most credit card accounts now have a universal default clause.

Suppose your rate went from 15% to 30% on every open credit account. For every $1,000 you owe, an extra $150 interest would be charged each year. So if you're the type of person carrying a $10,000 balance, that one late payment could cost you $1,500 per year. For as long as you have the balance!

Gwen is right to pay close attention to her credit card accounts. With newer fees and penalty rates in place, it becomes more important to manage your credit. In fact, it's critical to your financial wellbeing.
_______________

Gary Foreman is a former financial planner who currently edits The Dollar Stretcher website . If you'd like to stretch your day or your dollar visit today! You'll find hundreds of articles to help you "live better...for less".

Gary Foreman is a former financial planner who currently edits The Dollar Stretcher website . If you'd like to stretch your day or your dollar visit today! You'll find hundreds of articles to help you "live better...for less".Live Mortgage Leads
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Leave The World Behind, Live At Sukhavati Retreat.

2007-11-08T21:16:00.000-08:00

The long winding country road from Seminyak offered picturesque views of infinity rice-field gently sloping down to the beach. Close to the horizon was the soaring wall of Uluwatu cliff at the South peninsula. The combination of golden paddy closing to harvest time and the azure of the Indian Ocean behind is nothing less than magnificent. Tourists might find it appealing, but I have been seeing these views almost everyday for the last five years. I needed something different to get impressed.

Before long enough, I turned right entering a serene farmers traditional Balinese village of Tibubeneng. Each modest house built from traditional material like bamboo-sheet and wooden frame, has its own shrine, where people put offerings to the Gods. Hiding behind the village I found a small thumb with the villa name, the only mark I found of its existence. There are no buildings, no soaring walls, no security post, nothing. Unlike many other villas soaring up to the sky compared to their surrounding, Sukhavati Retreat appeared as humble as the rest of the village.

Driving along narrow shady path I finally got to a small lobby hidden under shading trees and lush shrubs. Dan, the young Australian owner, and a few of his staffs greeted with their smile. So, no doubt, I havent been lost. But where is the villa? was the first question glanced in my mind. Dan must have been seeing my expression a hundred times, and with a grin on his face he said Hold your breath! before leading us to the inner entrance.

Stunned at what I saw, I was completely speechless for a while. I guess my mouth was wide open with a long wow. It was really hard to find the right word to tell you what I saw and the first impression I got. Within the lush tropical forest steeping down to the river, scattered the separated pavilions in traditional thatched roof, partly hidden under shady large trees. On the other side of the river the forest hiked up creating an image of a soaring green wall separating us from the bustling world outside.

As far as my eyes could reach, there were no other buildings of any kind around. Dan explained that for the sake of environment, in addition to the two hectares built as the villa and its perimeters, he bought eight hectares along the river as a buffer. It is really a complete solitude to dissolve ourselves with the mother-nature and temporarily forget the world behind.

Hundred steps led us down to the centre of the estate, the main swimming pool. Each bedrooms and functions were housed in separated building, mainly to conserve the land topography. In addition to the six separated bedroom pavilions, it has kitchen and communal area with comfortable lounge and dining tables.

The last pavilion caught my attention more than the others, it was the meditation pavilion. Separated with more distance from the rest, this open pavilion can comfortably accommodated yoga for 20. Wide lawn with soaring shady trees going down to the river allowed us to completely cleanse our busy mind. Flags of pray form Tibet spread the wish to the world by the wind breeze.

Decoration of each bedroom pavilions was a proper blend of luxurious comfort without creating distance to the nature, with wide openings and private garden terraces. All en-suited bathrooms were open to the sky, in a small garden covered by terrace perimeters.

Two of the bedroom pavilions were set as villas within a villa. Hidden behind its own gate, these pavilions enjoyed their own private swimming pool and garden gazebo. You can choose the one at the top of the estate, or the one at the bottom closer to the river. Just the matter of distance to either the entrance gate at the top or living pavilion closer the river really, both enjoys superb views. Even from the one at the top your views would not be bothered by other buildings.

As a sanctuary to separate yourself from the rest of the world, it made sense that Dan do not put TV in all bedrooms or provide wireless internet connection across the estate. However, for those who still want to keep connected or just couldnt live without modern entertainment, there were huge plasma TV with international channels at the living pavilion and a computer with internet connection at the lobby.

Well, Dan, now I understand why you got that glorious title for the villa. Sukhavati Retreat was not a holiday accommodation, at least not to my eyes. It was not a place for you to sleep at nights for exploring all the beaches Bali has to offer during the daylights. It was a place to cleanse your mind and soul by temporarily separating yourself from the bustling world by being closer to the nature and the holy spirits commanding the universe. Not only mind and soul, but body as well. The kitchen was staffed with professional chef to cater your culinary experience with healthy organic ingredients. The villa also provided some high quality mountain-bike so you can either hike or bike the natural countryside around the villa, and experience the real traditional Balinese living.

Its time to hike the steps up, back to the real world now. Among shortening breath when hiking up the steps Dan explained that in addition to in-house security he employed, he also maintained very close relationship with the neighboring villages. People have accepted the villa as a part of their family, making them willing to voluntarily took care of the villa and its guests.

I believed after a week or so in Sukhavati Retreat, I would have come back to the real world as a different person, with different way of seeing the world around me. Unfortunately I did not have that much of money to buy that luxury. It was mainly for discerning clientele I had, those successful wealthy people who care about the health of their body, mind, and soul.

While you can rent the villa by room, you are encouraged to rent it as a whole. If you are traveling in a small group which needs less than six bedrooms, you still can block the whole estate with an extra surcharge. Find detail of Sukhavati Retreat through our website Villa Rental Bali (http://www.villarentalbali.com).

Adi Arifin has been in online business almost since its first inception. In the last five years, he is heavily involved in real estate and holiday rental businesses in Bali.Live Mortgage Leads
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Ten Ways to Piss Off You Readers, Kill Your Blog, and Get Banned From the Internet!

2007-11-08T21:00:00.000-08:00

Everywhere I look there is blogging advice on how to increase your traffic, pagerank, and readership on the net. Theres syndication, RSS feeds, and any type of social topic you would ever need. However, nobody tells you how to stop the traffic, alienate your fan base; so I thought I should try.

1. Active in blogging? Why not put as many popups on your page as humanly possible? Make it as difficult as possible for a reader to navigate away from your page and ensure that he will never come back! If you are not comfortable with popups, AdSense ads after every post and every type of widget that you can find will do the trick.

2. Too many comments? Turn them off, dont respond when they are posted, and return fire with fire. People like to feel engaged when they read your content. Dont let em!

3. Got an RSS feed? Get rid of it, or better yet, find a blog that you absolutely hate and offer it as the feed through your site. It all looks like XML code until you plug it into a reader anyway. Your readers wont know what hit them.

4. You have a bookmarking widget; Digg, del.icio.us, News Vine, Reddit? Arent there equivalent bookmarking tools for adult sites? Couldnt you use the same graphic and just replace the hyperlink? Hmmm, if you want to get some hate mail, this may be the way to do it. When responding to the hate mail, please refer to item 2 above.

5. Member of MySpace, Facebook, Friendster, Xanga, LinkedIn, MyBloglog and other networks that syndicate your content? This ones easy, dont complete your profile, syndicate content that is not yours, be un-genuine, and do not respond to comments. We keep going back to step 2 for some reason.

6. Overload your readers with useless bookmarks. Stop writing content and go hog wild with your Sumble Upon and del.icio.us bookmarking Wordpress widgets. Nobody likes going to a blog that has nothing other than a collection of non-related bookmarks. No content, just bookmarks; nothing slows down traffic like a great link farm.

7. DUMP THE TAGS!!!! Nobody will read your blog if nobody can find it. If you have a search term that inadvertently shows up under a Google search, repeat it in the text as many times as possible. A black-hat trick or two will also work to get you banned from Google.

8. All text and no pictures makes for a very boring and unpleasant blog. Pictures are worth a thousand words, and people love to look at and share video. Why do you think YouTube sold for a billion dollars? If you dont want traffic, do not use flickr, youtube, or other multi-media sharing service.

9. Whatever you do, do not reference blog posts that you had writer earlier. This would entice readers to go further into your blog and spend more time there. Why would you want that?

10. This one I had to think long and hard about. How do you get blacklisted from as many sites as possible, kicked off search engines and banned from the internet? One word.SPAM!!!

TAGS: spam, banned, rss, ugly, kicked off, no readers, bad blog, bookmark widgets, digg, anti-comments, popups, tricks, reference, readers, ugly blog, mybloglog, wordpress, blogger, stumble upon

Barrett Niehus and 4MySales.com explore helping real estate agents and small business professionals market their business and grow their income. Join the real estate and marketing discussion at http://realtorleads.blogspot.com or explore investing in real estate at http://www.4mysales.com Live Mortgage Leads
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Credit Card Fee Increases

2007-11-08T20:59:00.000-08:00

This month on our two credit card statements are notices informing us that as of Oct. 1st we may be charged "more than two" late fees or over the limit fees" per month. What's going on?
Gwen

It's estimated that Americans charged $1.8 trillion in 2005 on the 690 million credit cards outstanding. According to a Government Accountability Office study released in September, 2006, 13% of credit card users were assessed over-limit fees and 35% were assessed late fees in 2005. So Gwen has a lot of company.

Let's try to do three things. First, understand what these fees are. Next, see how fees are changing. And, finally, what Gwen can do to keep from being hurt.

Credit cards have always had fees. Some, like for a late payment, are understandable. Others came along as credit cards took on new capabilities. Think cash advance and balance transfer fees. Still others, like over-limit fees, seem like they shouldn't be possible. You would think that they wouldn't allow you to borrow more than your limit.

There are also 'penalty interest rates'. If you're late with a payment or go over your credit limit you could see your rate bumped to 30% or more.

The 2006 GAO study looked at fees and penalties. It said that not only were fees increasing, but the credit card companies were doing a lousy job of informing consumers about those fees.

The credit card companies are obligated to tell you about any fees or penalties and how they're triggered. Some fees, like paying your credit card bill by phone, are sometimes not clearly disclosed. What Gwen received with her statement was a notice of a change in how fees would be charged. And, as long as she's notified they can get by with almost anything.

Late fees have nearly tripled in the last 11 years. And many cards have adopted a 'universal default clause' that says a late payment on any card will trigger the penalty interest rate.

Credit card companies say that the higher interest rates and fees are appropriate based on risk factors. If it weren't for the higher fees, they claim that they wouldn't be able to offer credit to riskier consumers.

In fairness, the GAO's survey found that (at least among 6 of the largest card issuers) 80% of accounts paid interest rates of less than 20%. So the vast majority of card users are not paying penalty rates.

But the study also found that the disclosures were written well above the eighth grade reading level and (surprise!) featured small print. They recommended that the Federal Reserve Board revise rules on credit card disclosures.

Now that we understand what's going on we can try to help Gwen avoid problems. The first thing is to recognize that the card issuers get to make most of the rules. And, whether those rules are fair or not isn't relevant. The best she can do is to avoid getting hurt by those rules.

Get familiar with each account. The only way to know exactly what's allowed is to read and understand the "Card Member Agreement." Tough duty. But necessary.

Watch out for unexpected fees. Like for balance transfers or increasing your credit limit. Know what could trigger fees or penalty rates.

Know exactly when your payment is due. Keep a list of due dates for your credit card accounts. If you don't get the bill, it's your responsibility to contact the company and still make a timely payment.

If possible, the best thing to do is to join nearly half of the cardholders who paid little or no interest. That's because they do not carry a balance.

Obviously, for many people that's not immediately possible. Then it's important to send in your payment as soon as possible. Being seven days early is better than being one day late.

If you find it difficult to get your payment in on time, you might want to authorize the credit card company to automatically debit your checking account for the minimum payment each month. You'll probably pay for the service, but that way the payment can't be late.

Talk to your card issuer. If your due date falls at a bad time of the month, they'll move it.

If Gwen is near or over the limit on any card, she should try to shift part of the debt to a different card. Some fees are even being assessed when an account is merely getting too close to the limit. Your best bet is to keep balances to less than half the available credit.

Although the higher late fees are infuriating, they do minimal damage. The real problem is in the universal default clause. Most credit card accounts now have a universal default clause.

Suppose your rate went from 15% to 30% on every open credit account. For every $1,000 you owe, an extra $150 interest would be charged each year. So if you're the type of person carrying a $10,000 balance, that one late payment could cost you $1,500 per year. For as long as you have the balance!

Gwen is right to pay close attention to her credit card accounts. With newer fees and penalty rates in place, it becomes more important to manage your credit. In fact, it's critical to your financial wellbeing.
_______________

Gary Foreman is a former financial planner who currently edits The Dollar Stretcher website . If you'd like to stretch your day or your dollar visit today! You'll find hundreds of articles to help you "live better...for less".

Gary Foreman is a former financial planner who currently edits The Dollar Stretcher website . If you'd like to stretch your day or your dollar visit today! You'll find hundreds of articles to help you "live better...for less".Live Mortgage Leads
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Why Use a Law Firm ?

2007-11-08T19:15:00.000-08:00

The answer is simple. All your transactions with a Panama Law Firm are covered by tight Attorney Client Privileged Communication. The lawyer/law firm can not reveal anything about the client or their transactions, business dealings, etc. unless specifically authorized by the client. The exception to this would be if ordered by a Panama Court which is a possibility but something very rarely seen.

Lawyers have to pass background checks from their government in addition to attending law school. The government knows who their lawyers are and regulates them. Lawyers have obligations and fiduciary responsibilities to their clients.

We see many people buying corporations, trusts, etc. from non-lawyer web based businesses and also for bank accounts. It for some reason never occurs to the client that the entity they are doing business with has all their private financial information such as name of their company, ownership of the company, passports, bank and business reference letters, addresses, phones, email, business information, where their bank account is, etc. These entities they are doing business with have no binding legislation or regulations on them preventing them from revealing any of this information to whoever they wish to reveal it to. In most cases they could not protect the client if they wanted to since they have no privileged communication. If they got a phone call from a governmental agency from 6,000 miles away the chances are they would cave in and provide the requested information. These phone calls usually go like this: I am so and so Inspector with the Tax Police of ABC country. Your country already knows that I am investigating this case. This means he sent an email to the government. I have a court order signed by a Judge would you like me to fax it over to you? This means the court order is as a rule almost never valid in the jurisdiction he is calling. Now when your friendly corporation registered agent says something cute like the court order is not from here and you have no authority here what he gets back sounds like this. If you fail to cooperate I will file a suspicious criminal actions report with your police since for all we know you are the owners of the corporation in question and are the guilty parties and we will ask that you be investigated by your police. This is usually done in a threatening way since it is a bluff. Now the corporate agent thinking the last thing he needs is to be the subject of an investigation by his own police and has to hire a lawyer, etc. says, wait a minute what is it you want? Okay wait while I pull it up for you. This probably took 3-5 minutes and your privacy is violated. No attorney client privilege means no downside for the corporate agent to cooperate. What would we say? Wed say there is attorney client privilege in Panama and you must get a court order from a Panama Judge ordering us to release any information about any client and then wed hang up without providing any information.

Corporate Agents Offering corporations in Many Jurisdictions - Do not be deceived by firms that offer bank accounts and corporations from numerous countries. They are merely corporate agents or resellers of corporations from these countries. It is not very hard to become a reseller in many of these countries. Their ploy for credibility is selling from many different countries so you see a big shopping list of jurisdictions and think they are a real credible operation when they are really nothing more than a relatively unregulated offshore corporation based in some tax haven selling you formations in different jurisdictions most of which are not any good for asset protection, corporate privacy, or even bank secrecy. If you read through our web site you will soon realize that most if not all of these jurisdictions are has been privacy jurisdictions that are no longer private. They sell these products to people who are familiar with the jurisdiction from the past reputation but have not followed the recent changes in the laws relating to these jurisdictions in the post 9-11 world. If we knew of a better jurisdiction than Panama we would offer it!

Law Firms in Your Own Country - Be careful about using a law firm in your own country even if they offer to set up an offshore structure for you. The weak link in the chain is the attorney is located in the country where you are. If you felt your country respected the individuals right to privacy and operated a fair and equitable court system you would probably not be reading this.

Attacking Attorney Client Privilege - An adversary can attack the attorney client privilege claiming your attorney conspired with you or was complicit in some way in something you allegedly did like the fraudulent conveyance of assets to avoid creditors, fraud, misrepresentation, tax violations pertaining to income tax, sales tax, property tax, gift tax, inheritance tax, probate tax, corporate tax, capital gains tax and other assorted and sundry taxes, creation of straw man trusts and other asset protection shams, money laundering, and the list can go on and on. We are not saying you did or should do such things, in fact you should not do such things, we are saying it can be alleged that you did such things and these allegations in these non-privacy countries are enough to break the attorney client privilege you have with the attorney. Jurisdictions that do not respect privacy and do not have fair and equitable court systems are not going to let a thing like attorney client privilege stop a big law firm from taking away your assets in the name of justice.

Suing your Attorney - Lets assume the judge not understanding too much about offshore structures says well I dont see anything here to justify the violation of attorney client privilege, what do you think the other side does next, walk away and forget about you? Not so fast, they can smell your assets and want a big bite as soon as they can get it. They see a chink in your armor that they are not finished exploiting. The chink is you did not use an attorney in a privacy oriented jurisdiction even though you might have used an offshore structure in one. So now they just add your attorney into the lawsuit as an additional defendant alleging him or her to be a conspirator in the plot to defraud the creditor out of his pound of flesh he wishes to take from your life savings, real estate, business, estate, etc. This gives them a shot at piercing attorney client privilege which is to say the attorney used an offshore structure to make discovery impossible thus thwarting justice and is sheltering the defendants assets behind attorney client privilege as an another layer in the scheme to defraud their client from collecting his lawful court ordered debt by grabbing your assets. If the other side is motivated and has money they will wear down your asset protection strategy until they can reach out and grab your assets. If you sued a lawyer in a privacy jurisdiction like Panama and did your formations there and banked there, you would be the one wearing down your adversary who would be getting frustrated spending time and money and getting nowhere in the Panama courts. They would be getting their cases dismissed for lack of jurisdiction, incorrect venue, etc. This could motivate your adversary to settle for pennies on the dollar after they had a very expensive taste of the Panama Courts, or they just decide they cant penetrate your structure not even being sure what your structure is and plain give up. Using a lawyer in your own country to formulate your asset protection strategy is a weak link that should not be presented to a financial enemy. The same applies to using an attorney in another country where privacy and justice have disappeared. One privacy hating unfair jurisdiction can usually reach out to another privacy hating unfair jurisdiction and get their assistance, alleging almost anything will work in these jurisdictions. Some of these countries actually respect the court orders from another country, all that is required is a trip to the local court to have the foreign court order rubber stamped and thus domesticated and made enforceable. This is common with money judgments from foreign countries in the privacy hating jurisdictions but you do not have much to worry about in Panama.

How to do it -Use a law firm only in the jurisdiction where your corporation, foundation and bank are located. This way not only can the law firm that did your asset protection structure help you if trouble comes knocking on your door but your confidential information is out of reach of the courts your financial enemies will use. Do not use a corporation agent or non-lawyer for your asset protection. There is no attorney client privilege.

Anonymity is your Friend - Anonymity is your first line of defense. Only use anonymous bearer share corporations or anonymous foundations where no ownership records are in existence in any government registry (Panama). Panama Foundation assets are not sequesterable (not freezable). This makes discovery of ownership impossible even with a court order. Make sure the corporation or foundation need not file any tax returns and has no tax liabilities based on profit, income or assets (Panama). Tax returns could lead to an audit. Make sure the publicly recorded nominees of the corporation or foundation do not know the owners (Panama). Make sure there is tight Bank Secrecy (Panama has the best in the world now). Make sure there is strong attorney client privilege ( Panama). Make sure the jurisdiction in question is in no tax treaties with any country (Panama). Make sure the jurisdiction in question allows for no fishing expeditions (Panama). Make sure the jurisdiction in question does not cooperate on fiscal offenses (Panama, in Panama all tax offenses are civil not criminal). Make sure the jurisdiction does not allow civil lawsuits concerning matters that did not take place in the jurisdiction to be tried in their courts just because the corporation, foundation or bank account is domiciled there (Panama). Make sure the jurisdiction is dependent on corporate privacy and bank secrecy for its economy (Panama has 400,000 corporations domiciled there and there are 150 banks in country whose population is 2.9 million people, employing 20% of the workforce.

Hello Panama, Goodbye Switzerland!

Ronald Edwards is a researcher, with years of experience in finances and real estate.Exclusive Mortgage Leads
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Parenting - My Story

2007-11-08T19:14:00.000-08:00

When I became pregnant with my daughter, Aubrey, I was 21 years old, freshly married and scared to death! I read all the books, including the "What to Expect" series (even the infant and toddler ones). All these books gave us "one size fits all" kind of parenting advice.

When Aubrey was born, we practiced the "one size fit's all"; parenting advocated by all the books I read. We encouraged her to fall asleep on her on, meaning we let her cry herself to sleep. I also encouraged Aubrey to feel comfortable playing alone, and not need me. I did however KNOW that breast milk was best, and since I did not know that the resources were out there to seek help to learn HOW to breastfeed, I pumped.

Fast-forward 5 years.

I unexpectedly got pregnant with my son. This time I found myself alone. So, instead of reading (yet again) all the more mainstream books, I instead turned to my heart. I searched my heart for the kind of parent I wanted to be. The kind of child I wanted my son or daughter to be. I was not going to have help this time, so it had to be something I would understand, stick with and love, unlike the parenting style I choose with my older daughter.

I had no idea about Attachment Parenting. I did not know there was a name for how I instinctively parented my son. I just followed heart. I was steadfast in my resolve to breastfeed my son. I sought so much help in this. I had issues, just like many other first time nursing mommas. From problems with to much milk, to problems with the pace that my milk did flow as well. We struggled, but it was a struggle that really made me feel good, like I was really doing the best thing possible for myself and my child. We eventually "got it" and it was/is the best thing in the world for both of us!

Then while at a LLL Meeting someone was wearing a ring sling. I thought it was amazing to be able to hold your baby AND get something done! So I bought one. This was my first and not my most comfortable, but I learned that I could have my newborn son with me, and still tend to my 5-year-old daughter and get work done around the house.

I searched, high and low, to find the perfect sling for me. I learned how many different types there were, and decided on how I liked mine best. When I did not find one on the market that catered to my needs and wants, I created my own.

It was not till then, that I accidentally bumped into the name "Attachment Parenting"; I started reading, and was amazed and shocked that there were other mommas just like me. Mommas who loved their children enough to listen to their hearts AND their children's cries! I also learned that my co-sleeping is actually a great way to "attachment" parent, and is especially good when you are breastfeeding.

I was introduced to cloth diapers, which at first I thought, "NO WAY; Are people NUTS?"; Well I know different now. I then began cloth diapering my then 8 month old little boy. The patterns are so fun, the work is minimal and I know that I am doing just a little part to save the earth. Not to mention save some money! Another added benefit to my choosing cloth, is my son has extremely sensitive skin, and with cloth diapers he has had not ONE break out -- not even a hint of any type of diaper rash.

To me Attachment Parenting is not at all about a set guidelines though this is the set provided by Attachment Parenting International:

1. Preparation for Childbirth

2. Emotional Responsiveness

3. Breastfeed your Baby

4. Baby Wearing

5. Shared sleep and Safe Sleeping Guidelines

6. Avoid frequent and prolonged separations from your baby

7. Positive Discipline

8. Maintain balance in your family life

We (as a family) practice several or most of these guidelines, now. Though like I said, my daughter as a baby was not parented this way, so I have a good sense of the exact diffrences in the two children.

Why these guidelines are nice to see, they are (to me) just that guidelines, to me Attachment parenting is more about Instinctive parenting listening to my heart and doing what comes naturally to me, not about some set of guidelines I "must" follow.

Now my son is 22 months old, still and still totally "Attachment Parented," which to me means he is continueing to co-sleep, nurse, is still being worn on a daily basis, and still has cute cloth on his little butt every day AND night.

He walks, has started talking, and is becoming a real "little man" (I am sometimes sad to say.) I am confident that he is so well adjusted because I was and am so steadfast in "my kind of parenting"; and my beliefs.

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England? You Must Be Kidding

2007-11-08T18:57:00.000-08:00

In the days that followed Englands qualification for Germany 2006, Sven Goran- Eriksson, Wayne Rooney and Michael Owen all said that they think England can win the World Cup. But, in my humble opinion yet again, although they have some highly talented and gifted players, I doubt they have a good enough team to do it. Look back at England s overall performances throughout the 2006 World Cup qualifying campaign and you can see just what the team lacks, and why England will not win the World Cup next year. A great team is built not just with technical ability (of which England have absolutely loads), fame and fortune but also passion, teamwork, commitment, tactics and personality, (all of which England desperately lacks).

You look back at the England cricket teams success in the summer and you see all of those factors mentioned above. I may not be the most ardent follower of the sport but I think Im right in saying England actually only have a couple of player in the world rankings for batting and bowling, however as a team they are formidable. Michael Vaughans intelligence, calm head and Quiet but effective leadership and Andrew Flintoffs inspiration are the keys. But you can look around at the raw passion of Simon Jones, flamboyance of Kevin Pietersen, honest workmanship of Ashley Giles and you see the way the team is built.

They played with so much strength oh character. Every time they fell behind or lost wickets certain players would step up for their team and do something special, which could be anyone at different times. Look through the England football team and youll find arrogant, self-interested individuals with all the personality of a wet fish almost to a man. These guys dont look like theyre playing for England for love or passion of the game or their country. They seem to be playing for their profile as footballers, and the next big sponsorship deal. Passion isnt about spitting anger and diving in for tackles the way Rooney and David Beckham respectively tend to do. It isnt about getting sent off as it lets your team mates and your country down.

No, passion is about running so hard, you are playing as both full-back and wide midfielder the way Cafu and Roberto Carlos did when their star player was sent off in 2002 against England. I can picture it if Svens lot were to win the World Cup. I see Beckham striking a pose with the trophy, sticking out his chest and allowing a lock of his hair to fall across his face, Frank Lampard and John Terry grinning behind him, Ashley Cole and Rio Ferdinand in the background on their mobiles to their agents demanding pay-rises com-mensurate with winning the tournament. To cut a long story short, if England wins the 2006 World Cup, Ill run semi-nude around the Merdeka Square on the next rainy day after the tournament, if, the authorities allow it of course.

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Real Estate Asset Protection

2007-11-08T18:56:00.000-08:00

The goals of Real Estate Asset Protection are:

Keep the ownership of the real estate anonymous. Anonymous Panama Corporations and Anonymous Panama Foundations do this extremely well; in fact better than any other jurisdiction we are aware of. Anonymous ownership of real estate reduces your profile as a target for lawsuits and collection attorneys can not go after something they do not know even exists.

If a structure of Anonymity is not practical the next best solution is to take away the attachable equity through the use of lawful mortgages and other encumbrances filed on the property locally by anonymous Panama Corporations or Foundations.

You should only use a Law Firm for asset protection so you have attorney client privilege. The law firm used should be out of the reach of the court where the real estate is located. If a lawyer in your country forms an offshore structure for you what are you going to do when he winds up in the lawsuit with you - defrauding creditors would be one possible allegation, or if he has the judge order him to open up his records concerning you. If you felt the courts, laws, judges, lawyers etc. in your country were fair and equitable you wouldnt be reading this. Dont make the mistake of using a law firm in another country which also has flawed privacy laws. The courts in his country will probably cooperate with the courts in your country.

As a last resort but still a valuable one the asset protection structure should present itself to your pursuing financial adversaries as so burdensome, onerous, confusing, time consuming and expensive that they will accept a settlement from you for a mere fraction of the debt in question. This is an often overlooked positive outcome that lets you keep your property and settle the debts for pennies on the dollar, sort of a bankruptcy without going bankrupt.

Detailed Information Follows:

Today many people in different countries are very worried about their real estate being lost due to court actions leaving them homeless or without their real estate portfolio. Real estate is not portable and unfortunately is one of the first things aggressive collection attorneys go after. Since the ownership of real estate in many jurisdictions is open and transparent, the real estate ownership rolls are often used to determine if a person has enough wealth to go after in a civil lawsuit, in other words it flags you as a target. Real estate ownership records are also used to accomplish identity theft since a lot can be learned about the owner from the public records like when the mortgages were taken out, from which company and for how much, the full names and addresses of the owners, etc. This information is then used combined with other public databases like drivers licenses, phone and utility records etc. to create a profile of the victim which is used to steal their identity. Lack of privacy is invasive and also encourages litigation and criminal activity.

So how do you protect your real estate in as anonymous manner as possible? Some sample strategies are briefly described below.

Mortgages:

One real estate asset protection strategy is to borrow against the real estate using mortgages or trust deeds. Typically in most jurisdictions the borrowed money is not taxable as income since it must be repaid. Usually one can borrow up to 80% of the value of the house. Collection attorneys will not spend money to go after a house with 20% or less available equity. This is also true concerning government collection agencies. It is felt that auctions in the courtroom or on the steps of the courthouse will not bring in more than 80% of the appraised value since these auction buyers are looking for a substantial discount. One important point to be considered is the collection attorney may want to know where the borrowed money from the mortgage is to see if it is within his reach like in the country concerned. If the money is offshore they rarely will pursue it. They are not lawyers outside of their country and must retain local lawyers who usually smell deep pockets and charge high fees for this type of service which will rarely ever has a happy ending for them. The country where the money is may be hostile to such collection actions as is very often the case and makes it hard for these cases to be pursued. These countries often dismiss these cases for lack of venue or jurisdiction. Also the collection attorney from your country often has to post a cash bond to cover court costs if they lose which again deters such actions. The potential problem with the above scenario is now you have a mortgage on property that may have been free and clear. You need to go through a credit check and reveal personal information much of it will wind up in public or semi-public databases like credit agencies databases. Now you have to make the payments and pay the interest rates. There are usually penalties involved if you terminate the lease early. Many of these loans have variable interest rates which can go up and now you have a blood sucking Mortgage Company on your property title. There is a better way.

Your own Mortgage Company:

There is nothing wrong with borrowing money from an anonymous Panama Bearer Share Corporation that to protect its interests places a mortgage on your property. You basically write a mortgage through your corporation to yourself to record on the title of the property you wish to protect. This requires a lawyer in the city where the real estate is to advise you as to how the mechanics and local laws will work when recording your mortgage and pertaining to it. You may need to fund an escrow in the area where the real estate is in some countries to validate the mortgage, but there are work arounds for this as well. After the escrow closes the loan is recorded against the property tying up the equity in the property reducing your profile as a target greatly. You could make the loan at more than 80% of the value like 99% if you so desired. The corporation or an additional corporation could be used to make a second or even a third mortgage. Of course your borrowed money is not taxable and but you do need to make payments with interest to your own corporation. This is a real loan. If one researches you or your real estate they will see encumbered real estate and someone thinking of suing you may think you are not worth the time and expense which is one of our goals. If someone does try to levy or auction your real property they will have to pay the mortgage off from any auction or sale proceeds and if the amount of the mortgage (LTV- Loan to Value) is at least 80% of the appraised value a sale for enough money to pay off the mortgage will be extremely unlikely thus they will not bother spending the legal fees and auction fees. Auction buyers are price buyers, not people looking for a certain home in a certain school district etc. Remember the Panama Corporation owning the mortgage has no listed owner anywhere so it is impossible for ownership to be looked up by a potential financial enemy sizing you up. In any event the obstacle of the mortgage makes normal collection actions immensely more difficult for them if they should try to pierce through the corporate veil. Panama corporate veils do not pierce. They do not know this is your mortgage and that you own the corporation that wrote the mortgage and the only way of finding out would be to take your deposition and ask you. Well for all they know you dont own the corporation, perhaps you did and transferred the ownership, or they might assume you would lie and they could not catch you in your deception, or they may assume it is owned by a friend or relative or whatever else comes into their mind. You are not responsible for their thoughts; this is something they do all on their own. One thing to be perfectly clear on is now collection costs for your financial adversary has now gone up, way up and the person going after your assets has some decisions to make as to how much money they want to spend. The collection attorney is going to be anything but encouraging because he is now in an environment that he does not understand welcome to the jurisdiction of Panama Counselor. He is going to tell your financial enemy that more money is required to pursue this, in the back of his mind not really wanting to pursue this and if he does have to do it he is going to want to get paid big time. When lawyers do not want to do something they charge a lot. Now if the attorney gets into it and finds out the corporation ownership is non-transparent and soon discovers that Panama has tight bank secrecy etc. he will become more frustrated and this means higher fees for your financial enemy. What will the other side do if a Panama Private Interest Foundation owns the Corporation and you can legally say you do not own the Corporation? Panama Foundations really have no owner so you could also say you do not own the Foundation. Welcome to Panama Mr. Collection Attorney. You are not responsible for providing the other side ownership details of a foundation or corporation that is their problem. You can say you do not own the corporation or foundation and that is where it stops as far as you are concerned. Folks when they see a Panama Corporation or a Panama Foundation on the mortgage they are more than likely to drop it right there because they know they are spinning their wheels and will more than likely never get anywhere and spend a ton of money getting nowhere. Remember the collection attorney doesnt deal with Panama Asset Protection scenarios everyday, or even every decade for most of them. He will see things as a brick wall, blind alley, etc and not know what to do. Remember the attorney that is doing the collection can be sued by his client for frivolously spending his clients money and running up a big bill when chances for a positive return are most unlikely.

Line of Credit Mortgage:

There are other ways of protecting real estate assets where no actual funding of a mortgage is required. A line of credit is set up through a Panama Financial Institution that records a trust deed based on the size of the line of credit. This is very similar to what finance companies in the USA do with home equity lines of credit. This also requires you to retain a local attorney in the area where the real estate is located to ensure that proper papers are filed with the local government registry. The line of credit need not be drawn down upon, yet it can still be used to protect your real estate equity, or boat equity, car equity, airplane equity, art collection equity etc. The line of credit can be cancelled at any time by you and within 30 days the mortgage on the property will be released. There are safeguards put in place to ensure you have control over this.

Real Estate Asset Protection Annuity:

Another way to protect real estate or other assets is through the use of an annuity. Basically the anonymous Panama Corporation or anonymous Panama Foundation would receive your real estate or other assets in return for an annuity. The annuity pays you a certain specified sum of money monthly, quarterly or yearly. The money can be paid into a secure Panama Bank account even in the name of another Panama Foundation which is acquiring and protecting assets for you to retire on and for the eventual benefit of your beneficiaries. So if you were asked in a lawsuit in your home country why you transferred the real estate to this Panama Corporation and what consideration did you receive for the transfer, you reply the transfer was done in return for an annuity of so much money per month for as long as you live, or 5 years or whatever you decide for a term. Now they say where is this money paid thinking about garnishing it. You say into a Panama bank that my Panama Private Interest Foundation maintains think dead end for the collection attorney. If the sum is paid monthly the collection effort is so costly compared to the reward you could even have the annuity money paid into a bank account in your home country. They are not going to go do a new collection action each month, and if they did well you could change banks, or use a Panama Bank and withdraw the money with an ATM card.

WARNING

It is common to see entities selling asset protection structures using trusts and other vehicles that are located in the countries that have done away with privacy and fairness in the courts. These are the countries where they judges do what they want, judgments awarded are staggering high, the lawyers run legal bills up on the people until they can no longer defend themselves because they are broke, etc. If you own property in such a country and use an attorney who is also in this country or another country like this you are at serious risk. Why. For a lot of reasons.

Ronald Edwards is a researcher, with years of experience in finances and real estate.Live Mortgage Leads
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The 4 Principles of Article Marketing

2007-11-08T17:12:00.001-08:00

Do you feel that even though you have created an article, you felt like it has not generated you the traffic as much as you hoped it to be? Discover the things that you're not doing in article marketing.

1. The Title

When you're writing an article, create a title that can arrest the attention of the reader. Tap into the information you feel the person is looking for when you're writing the article. Some examples of titles that are proven to be very effective in article marketing, are:

-'How to...'
-'The Secret to...'
-'The Mistakes People Make In...'

2. Opening Sentence

Make your opening sentence interesting to make the reader excited to read on. You can try to suprise them with a statement, inject startling emotions to it or present a current problem u feel they're facing. Make them feel the excitement to find out more from you and be enlightened by your article.

3. Keyword optimization

Find out the keywords that people use to find the niche or the market that you are in. Use those keywords about 3-4 times in your article. Also, use those keywords in your resource box when you're describing yourself and your website and in the description of your article. This helps in search optimization and it can get your article loads of reads. The more redership it gets, the more it can help in increasing the traffic of your website.

4. Lead Them To The Resource Box

In article marketing, in the conclusion of your articles, summarize the important points you've made that you want to put across to readers. Then, in your reasource box, besides keyword optimization, you should also reference the article on where you have gotten those points. This will make them click your link to head on to your website.

Since a majority of people love to receive free stuff, you can use your resource box to promote the free items you'll be giving to your subscribers, like a free e-book or a newsletter. It is a method of persuasion for them to head on down to your site and learn more from you.

These four principles of article marketing have been used by thousands of internet marketers to promote their websites. These four methods have been proven to increase readership and traffic. Article marketing is something that any internet marketer can succeed in, given the correct knowledge and application.

Rasheed Ali, known as the Solution Coach and is a masterful planner in developing successful article marketing strategies. Find out how he can make you discover the internet millionaire within! Visit his website at http://www.internetmillionairecode.com.Mortgage Lead Transfers
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Cheap Secured Loans: Borrow Money At Cheap Rates

2007-11-08T17:12:00.000-08:00

Assets are our solutions to live life respectably whenever we are faced with a difficult situation. In times of a financial crunch, we can bank upon these assets to help us get money. While availing a loan, assets can help us get very low rates of interest through cheap secured loans. How? Let us read the article to know this.

Cheap secured loans, as already mentioned, need an asset to be placed as collateral for the loan. An asset like real estate, property or home, or a car etc can be placed as collateral. The collateral acts as a security for the loan. Thus the lender is assured of the repayment of the loan. In return he offers a very low rate of interest to the borrower.

With cheap secured loans, an amount of 5000 to 75000 can be borrowed. The repayment term for cheap secured loans is 5-25 years. With very low rate of interest, the repayment of the loan becomes very easy and the asset of the borrower is practically safe and risk-free when the repayment of the loan is made on a timely basis.

Cheap secured loans can be used for any purpose of the borrower like home improvement, debt consolidation, car purchase, an exotic vacation, etc.

Borrowers having bad credit can also avail cheap secured loans. Since the loan is secured with the collateral, the lender is tension-free about the retrieval of his money and thus has no problems offering the loan to the bad credit borrowers.

Online search for cheap secured loans can help the borrowers get the most suitable deal for them. They can ask for free quotes from numerous lenders. These quotes can be compared and the best deal with lowest rates can be chosen.

Cheap secured loans provide an opportunity to utilize the equity in their asset for solving the problem of monetary need. The low rates and good terms of the loan make it a suitable choice for all borrowers.

Simon Peyton has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for the Loans Fiesta. For any type of loans as Cheap secured loans, unsecured debt consolidation loan, secured loan uk,secured homeowner loan in uk,unsecured debt consolidation loans please visit http://www.loansfiesta.co.uk Mortgage Lead Programs
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CeMAP Revision Notes

2007-11-08T16:55:00.000-08:00

Are you looking for CeMAP Revision Notes?

If you are considering buying old CeMAP revision notes on eBay, beware! It could be a severe waste of your money!

You should be aware that the Institute of Financial Services (ifs) often changes the Certificate of Mortgage Advice and Practice (CeMAP) course content on a yearly basis and sometimes twice a year. Changes have recently been made from 1st September 2006 and as a consequence anyone buying old CeMAP revision notes, would be wasting their money, as they are most probably out of date.

Registration of the CeMAP exams currently cost 130 per Module and for people considering home-study; purchases of CeMAP revision notes can be made directly from the ifs. For individuals considering becoming mortgage advisers in record time, they should consider attending a five-day cemap training course. CeMAP training courses can be the ideal solution for the budding mortgage advisers.

The best Uk cemap training courses are five days long and are based on groups of around 10 - 12 people for ease of control and ability to interact with the tutor. The courses are extremely focused, intensive and prepare delegates for the CeMAP 1,2,3 exams with revision notes supplied on the course. The courses fast track candidates in five-days per intensive course, in hotels throughout many regions of the UK, including London, Coventry, Sheffield, Manchester and the North West, ensuring that one of the CeMAP courses will be near to you.

The trainers successfully help individuals to pass their mortgage advice qualifications in literally days of intensive, fast track cemap training. Having said that, it can be easy for the gifted people who are just natural at passing academic exams.

I recently spent a week with a group of 10 delegates on a combined CEMAP 2 & 3 training course and the range of abilities on the course was extremely diverse. The challenge for the cemap trainer was to get them all to the same standard by the end of the week and prepare them for their exams, the following week. Nine out of the ten of the delegates successfully passed their relevant exams.

The challenges of the CeMAP exams are that you need to learn the course content and pass the exams at 70% but that is not the only challange. Many people coming into the mortgage industry have not sat exams for years and in some cases not since they left school. As previously mentioned, the best CeMAP training courses are five-days long and are constructed for individuals who are new to the mortgage industry and as a consequence they teach the course content and mock examine you on a daily basis plus supply hundreds of cemap revision notes.

The advantage to this system is obvious, not only are you learning the course content but the exam techniques as well. With strengths and weaknesses identified on a daily basis, it is easy to identify the areas that require extra tuition during the week. This proven system helps hundreds of candidates get through their Certificate in Mortgage Advice & Practice (CeMAP) exams per month.

Do take care, as the route to becoming a mortgage adviser could be fraught with dangers for the unprepared and under researched person, as the journey could be a long and arduous one. Care should be taken when choosing the company for the initial CeMAP training as many organisations are strictly in the business of offering either a two-day revision course or a self-study CeMAP examination course that in our opinion is not enough.

Furthermore, there are unscrupulous organisations that may try to lure individuals into offering cheap CeMAP training courses and then taking 5,000, 6,000 or even 9,000 off them in an attempt to recruit them into their mortgage business as mortgage advisers or offering them an expensive and unnecessary mortgage franchises.

Joe Kocsis the author is the Marketing Director of Money Marketing Limited a UK cemap training company. Follow this link http://www.cemap-training.org.uk for further information.Mortgage Leads
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Throwback Jerseys - Treading Down the Memory Lane

2007-11-08T16:54:00.000-08:00

Throwback jerseys are a latest fad among the sports fans of all ages. A throwback jersey is the jersey of a team or player of the past. Throw back jerseys are available for all popular American sports. Throwback hockey jerseys, throwback football jerseys, and NBA throwback jerseys are some of the popular ones among the throw back sports apparel range.

What is a Throwback Jersey?

Throwback jersey is a replica of the authentic jersey of old teams and players. They have become popular among the sports fans who would like to relive the old days when their favorite team and player was on the pinnacle of popularity and success. A throwback jersey may be of times when your favorite player starred in an old team or for and old player of an existing team. A Michel Jordan jersey of Washington Bullets design is a perfect example of replica throwback jerseys.

Throwback jersey has become a collector's item and you would find many persons with amazing collections of replica throwback jerseys. This is in some aspects similar to the vintage collection whereby each jersey will have its own history. Throwback jersey relives the history of that particular sport, team or player and provides you opportunity to recognize and remember teams of the past.

A throw back also gives you a detailed account of the style and trend changes in the team gear. The throw back has gained enormous popularity because of the fashion and music industry. Many music videos feature performers wearing a throwback jersey. This adds to the growing demand for authentic throwback jersey or replica team gear of the past.

Replica throwback jerseys are a great business opportunity for sports apparel manufacturers and sellers. According to estimates, NBA throwback jerseys account for 20 percent sale of NBA sports apparel. Same trend is witnessed for replica throwback jerseys of all other popular sports.

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Indoor Soccer to go High Tech

2007-11-08T15:09:00.000-08:00

One of the newest trends in the World of Soccer is the high-tech indoor soccer stadiums. They are used for all year around play without regard to seasonality. Many of these stadiums are owned by companies, which lease or rent them out to the teams. The business model is quite profitable and some markets have more than one company with more than one facility each. These companies also sell items such as soccer balls, refreshments and video play back services. They also often have automatic kicking machines for practice like those used in tennis or for batting training in baseball.

Since these soccer arenas are indoors and climate controlled I propose that we take the coaching and training to a much higher level. I propose that we incorporate Holographic Technologies, which are getting closer to becoming reality, and use them to teach soccer techniques. Imagine the benefits to coaching if you took some of the greatest plays in World Cup Soccer and allowed the kids to replay them. Setting up the holographic 3D images to move in full motion video on the field.

First you would put an athlete next to each of the players and then run the projection as the athletes matched them stride for stride and step for step, aligning themselves to confront the opponent by moving with the hologram into position and taking the shot or defending the goal. The athletes and players would learn emensly by watching and playing along side the greats. And all this is nearly possible. By using special coatings on the artificial grass to help the projection reflection it could be done quite easily. Think on this new technology and what it means for youth soccer.

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List-Building: Put Some Teeth In The Back End

2007-11-08T15:08:00.000-08:00

People often ask, Were going to be giving away some ebookswhats the best way to monetize that?

Ultimately, you want to monetize this by building a list. Thats the simple answer. If youre not doing that, youre shooting yourself in the foot.

But I would do two more things:

Number one is that I would do as much as I could to force the opt-in to your list before they get the ebook.

Number two is that I would assume that people are going to spread the ebook anyway. Theyre going to give it to their friends and family anyway, which means these new readers are not going to have to join your list to get your ebook.

So, you want a call to action within the ebook, too. That call to action can be, Get your extra bonus here. You can put that in the footer of every page of the ebook. Give them another opportunity to opt in and become part of your list.

Whether youre using a free ebook, to build buzz and spread the word around about a new product launch or you're just giving the book away to build your list, never neglect to monetize the back end.

What you do is one of two things: You set up an affiliate program and the affiliate program is ultimately giving away the free ebook and consequently, selling the back end to anyone who opts in to your list. I would make the back end a three-part teleseminar series, maybe.

Each part of the series could be one of three sub-niches. For instance, you may have an ebook about pets, if that's your niche. The first teleseminar could be all about dogs, the second all about cats, and the third all about fish, or whatever. If theres a ton of interest in one of those areas instead of all three, you can build a crazy home study course on one area. What Im saying is what would happen if you did the "Your Niche Handbook"?

Do a teleseminar, get it recorded, and get it transcribed. Then, immediately do an "Ask" campaign to find out what people on your list want to know about your niche, and then get more people on your list by promoting the free teleseminar. At the end of the free teleseminar, you sell the as-yet-to-be-completed home study coursethe three-part live teleseminar series.

You can also create an affiliate product for people with their own big lists. Allow them to brand the ebook and give it away to their list members. Allow them to use their affiliate links to the back-end product, which are embedded in the ebook footer. That way, your "affiliate's" list signs up to be on your list, the affiliate makes money on the back end and everybody is happy.

At the end of the day all it comes down to is...

Free ebook?

Get it out there, immediately upsell those who opt-in on the thank-you pagegive them a one-time offer or something like that, the teleseminar series, or the course.

However youre doing it, it doesnt really matter. Whoever youre applying the information to it doesnt really matterthe model is the same. The reason Im telling you to do it this way is because when you give people free information, upsell them to paid information. Thats itthats all it comes down to.

Tellman Knudson is CEO of http://OvercomeEverything.com. Learn how to build a powerful and responsive list quickly through his premiere list-building course, http://MyFirstList.com.Mortgage Lead Programs
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Myths About Women And International Business

2007-11-08T14:53:00.000-08:00

Researcher, Nancy Adler conducted a monumental study in the mid 1980s to address myths about women and international business. Her study investigated if commonly held myths about women in international business were true including: women are not interested in International business, women were not willing to travel overseas for a variety of reasons namely family responsibilities and women would not be viewed as credible in overseas business due to the local perception of women. Her study results revealed that many of these false perceptions were indeed myths often held by male managers and HR personnel, and that women were interested and willing to conduct business overseas.

Today many of these same myths still exist despite the dramatic increase of women in business and women owned businesses and women traveling overseas.

Here are some facts published by the U.S. Department of Labor (DOL) (www.dol.gov), The National Association of Women Business Owners (NAWBO) (www.nawbo.org), and the Small Business Administration (SBA) (www.sba.gov), on women in the work force:

Women account for over 46% of the work force in America and this is expected to increase to 48% by the year 2005.

Women comprised 43% of employees in American executive, administrative, and managerial occupations in 1995 and this number is growing.

Businesses owned by women number 8 million in the U.S., and they employ one out of every four workers. They are growing at double the rate of all businesses.

33% of women business owners report that they exported in their first or second year of operation and the majority reported that they were successful on their first transaction.

In 1998 over 23 million Americans traveled overseas and the primary areas of travel were Europe, Asia, Japan and Latin America.

It is no longer just a rumor that women have become major players in the U.S. workforce and in the global business environment. More and more women are traveling overseas to conduct business for their corporations or for their own business ventures.

Despite these significant advances of women in International business we still find commercial guidebooks that suggest that women should not be in International business. Most books in this genre were written by men and either do not address womens particular issues in international business or, worse, they suggest that women should not even be sent on foreign business assignments due to role differences which these men perceive to be unconquerable obstacles. In contrast, my own research (1992, 1993, 1995, 1997, 1998) indicates that women can and are successful in international business, despite the variety of viewpoints they encounter around the world. Specifically, my research has demonstrated that establishing credibility during the initial stages of business is one area that businesswomen find critical to their success.

Establishing Your Credibility

For men, credibility is often derived from their gender and their status in the company. For women, credibility is more often derived from their individual skills. Women report that they often have to work extra hard to establish credibility because of their gender.

Some women explain:

When I conduct business in most countries I am consciously aware that my male colleagues have more credibility than I do, just because of gender differences. In most countries women are not expected to have significant positions of authority, so I am frequently viewed in the same way. I am first assumed to be an administrator, not the decision-maker in the group, whereas my male colleague is first viewed as the manager or decision-maker. I feel I have to work doubly hard to establish my credibility before I can effectively conduct business and Im aware that I need to do this immediately so that the business can start. (Chicago)

When I travel outside the U.S. for the corporate office, I am viewed as foreign first, and female second. However, I feel I am still met with some degree of skepticism as to what my role is and how much authority I have for the corporate office. Due to this, I take extra steps to make sure that the proper introductions are made in advance to limit concerns that men might have about my credibility. (Los Angeles)

As a woman business owner I realize that I am not the norm in many countries. Therefore I have to develop methods by which to establish my self and my company as credible for my foreign business associates. This requires preparation and advance communication about my firm, our success and our viability -- perhaps more than is required for men who run their own firms. (New York)

Here are some pointers for establishing credibility:

Be visible. Attend and host meetings between your company and your international counterparts whenever possible. International travel is often associated with decision-makers in a firm, so being present adds to your credibility.

Introductions are important, particularly for women. If you are doing business with a firm for the first time, have yourself introduced by a higher-ranking person in your company who already knows the people with whom you will be dealing.

If you cannot have someone introduce you, ask a higher-ranking person in your company to send a fax or written correspondence in advance, outlining your title, responsibilities and background.

Make sure your business card indicates a distinctive title such as Manager or Director so that your position can be clearly understood. If there is any doubt about your title, it may be automatically assumed that you have a lesser role than other members on your team.

Some women wear a school ring or a graduate school pendant to subtly advertise their background. Others wear corporate pins designating tenure, thus demonstrating their level of experience.

In general, foreigners will often look and respond more to the men on your team than the women. This is because there are fewer women in executive positions outside of the U.S. Prepare for this by advising your colleagues of tactics that will help you and the other female members, including making seating arrangements that will place you in a position of authority.

If someone appears confused about your name and rank, offer him another business card, even if you have already given him one. This is a subtle way of reinforcing your title and ensuring acknowledgment of your participation as an active member at the meeting

Women should lead business discussions where possible. If there is only one woman and everyone is of equal rank, let the woman take the lead to help establish her credibility.

A female team leader may experience a problem establishing her credibility unless team members defer to her as the authority figure on the team. American men need to be aware that their tendency to jump in and answer questions, especially when a woman is speaking, undermines her authority and the teams effectiveness. Women should advise team members not to answer questions directed to her and to otherwise defer to her whenever appropriate. A good response when asked a question that should be directed to a female colleague is: Jane is the best person to answer that question.

Be professional. Present yourself in a sincere, confident, professional manner, both in appearance and speech, to create a good first impression. Be yourself. Do not come on too strong, but dont defer when it is appropriate for you to respond. Deferring to age and position is, however, always acceptable for both sexes.

Be aware of womens roles in other countries. If you understand where women are in their own corporate environment it will give you insight into how the culture may perceive you.

The Role of the Manager

Managers can be very effective in international business by helping to enhance their teams credibility. The manager can introduce the staff members by title and outline their areas of expertise, act as moderator to refer questions to the appropriate team member, and highlight the staffs achievements.

In particular, managers can help in the following ways:

It is important that all team members, including management, understand their roles at the meeting and, more importantly, that they do not act out of role. If one of your colleagues is acting out of role, call for a break to explain how the group loses effectiveness when it is not cohesive.

As a woman, you should advise management that your personal credibility may be jeopardized if your role is undermined, and that this could hinder the success of the team at any follow-up meetings.

Managers can help enhance the credibility of female teammates by reinforcing their authority during the meeting. For example, if a woman is not receiving the appropriate respect, the manager may once again bring attention to her role and authority.

Despite commonly held myths about women in International businesswomen are traveling and conducting business internationally in increased numbers and they are successful in their business dealings. Establishing credibility in advance is one of the key areas where women can do to ensure her business success.

Tracey Wilen is Author at http://www.globalwomen.biz/.Live Mortgage Leads
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League One Betting Review - 26 February 2006

2007-11-08T14:52:00.000-08:00

Huddersfield Town edged into the second automatic promotion spot after earning a draw against fellow promotion chasers Swansea City. Lee Trundle and Leon Britton fired the Swans into a 2-0 lead by half-time before late goals from Martin McIntosh and David Graham secured a draw at odds of 9/4.

Southend United missed the chance to stretch their lead at the top of League One as Walsall, under new boss Kevan Broadhurst, held them to a goalless draw. Shrimpers captain Spencer Prior went off injured after five minutes as the two sides played out an 11/4 stalemate.

Following last weekends FA Cup glamour tie against Chelsea, Colchester United were brought back down to earth with a bump against Barnsley. Tykes midfielder Brian Howard scored the only goal of the game after 72 minutes to seal a 13/10 home win.

Brentford suffered a rare home defeat at the hands of 4/1 outsiders Port Vale. A long range effort from Jeff Smith nine minutes before the break was enough to keep the Valiants slender play-off hopes alive.

Play-off hopefuls Oldham Athletic secured a narrow 20/21 win against Tranmere Rovers at Boundary Park. Richie Wellens struck the decisive goal 10 minutes before half time.

Nottingham Forest were the safest bet of the day by crushing Swindon Town 7-1 at the City Ground. Nicky Southall broke the deadlock for 8/11 Forest after three minutes before Wes Morgan and Iain Breckin added further goals before the break. Southall completed his hat-trick with goals after 51 and 55 minutes before Morgan and Lester completed the rout. Trevor Benjamin gave the Robins some pride on 76.

Rotherham Uniteds survival hopes took a turn for the worse as they crashed 4-0 at home against Chesterfield. Three goals in a nine minute spell for Glynn Hurst just before half time and David Niven and Mark Allott early in the second period ended the Millers mini revival. Jamie OHara added a fourth for the 9/5 Spireites three minutes from time.

Rock-bottom Milton Keynes Dons sealed a precious victory at 13/8 against visitors Bradford City. Ben Harding opened the scoring for the Dons after 58 minutes but Steve Claridge ended a 17-match barren run six minutes later. A last gasp winner from Dean Lewington took the Dons to within four points from safety.

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Top 10 Ways to Prevent Soccer Injuries

2007-11-08T13:05:00.000-08:00

Soccer is a growing sport among the youth in our country today. Notably, more female athletes are choosing to play soccer. With this added participation, it is inevitable that more injuries will occur. Many of these injuries are linked to physical training and conditioning.

The most common injuries in soccer typically involve the ankle, knee and hip region. Such injuries include ankle sprains, knee ligament sprains, meniscus tears, and muscular strains (hip and groin). ACL injuries are now reaching epidemic proportions, especially in the female soccer athlete.

Research has indicated that proper training programs can and do reduce ACL injuries and will help prevent other sports related injuries. Much of the research has indicated that strengthening, jump landing technique and agility training affect the risk for this type of injury. The following list will outline how to effectively reduce common soccer injuries.

1.Perform a periodized year round strength training program with special emphasis on balancing the muscles of the leg and targeting the core muscles (low back, abdominals and hip).

2.Understand the energy systems utilized in soccer and train them according to performance demands. This involves the proper blend of training aerobic endurance and anaerobic power to ensure explosive performance over the entire course of a match. Fatigue late in the match can lead to injury.

3.Perform routine stretching to prevent muscular imbalance and tightness. This refers to static stretching that should be done after a suitable warm-up or at the end of practice.

4.Perform supervised, carefully planned plyometric (jump) training to teach proper landing form and develop power.

5.Incorporate dynamic balance training to teach body control and reduce ankle sprains and knee injuries.

6.Take planned periodic rests from practice and play to avoid overtraining.

7.Perform routine agility and quickness drills to improve footwork and cutting ability. Many ACL injuries occur with non-contact cutting movements and it is critical for athletes to cut on a bent knee and be able to control their momentum during change of direction.

8.Perform a dynamic warm-up prior to practice and games that effectively simulates sport specific movement. These activities will better prepare the body for the demands placed upon it during competition. This can be further broken down into general and specific functional warm-ups.

9.Perform yearly pre-season physical screening evaluations with an athletic trainer or physical therapist to assess any musculoskeletal areas of weakness.

10.Perform pre-season, in-season and post-season fitness testing to assess training methods, performance and conditioning. This protocol will allow the coaches to adjust training volume, intensity and modalities to ensure that their athletes are peaking at the right time and not training improperly.

All of these suggestions are important in developing complete athletes and preventing common injuries. They will not prevent all soccer injuries, however, they will greatly reduce the risk potential and enhance athletic performance. The ultimate key to injury prevention is understanding the sport of soccer and developing a program designed to address its demands on the body.

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Online Marketing Success Is Within You

2007-11-08T13:04:00.000-08:00

Your mind controls your life! The more positive you are the greater success you will have in your life, career or online marketing business. Try to focus on being around and taking to positive people everyday. You will be amazed at the outcome of a positive mind and what position it will put you in.

Have you ever wondered why some people seem to have every thing they touch turn to gold, but when others touch it, things just fall apart.

Lets take a quick look at learning how to succeed at the the things you want the most.

Its all in the way you look at life! What do I mean? Well it just like the saying is the glass half full or half empty

You can take any situation in life and look at it in two ways. Half full (being positive) or half empty (being negative). Its all in the way our mind processes and perceives the information being fed to it. This is done by hearing, visualizing, and thinking.

Lets take the exact same opportunity, circumstance and positioning and give it to two people. They are equal in every way except for their mindset, the out come will always be different.

Who is going to win, the one that thinks he(she) can or the one that is defeated before even trying.

Which is the one you would want, half full of course. This means that more can still go in. You learn from every situation, use the knowledge you gain as a stepping stone and keep trying to get that cup full. These people will have success in life,

If you run in the half empty mode, this makes you feel like youre loosing or have already lost, so why keep trying. These people will have very little success in their life, or in network marketing. They will always be wondering why things do not work out for them.

Remember the childrens story, The Little Engine that Could. How did he make it? It was always by believing I think I can, I think I can, and putting forth the effort to get there. If you do not remember the story please read it again.

We try to teach our children this concept but tends to get lost to some of us in the process of life. Instead of thinking you cant, think you can. Believe In Yourself!

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Carwash Websites - A Brochure or Storefront?

2007-11-07T23:49:00.001-08:00

If you are looking to establishing an Internet presence, the title of this article is the question you need to ask yourself before you lay down any of your hard-earned money. Why? Because understanding the different approaches to how a website might work will define the level of commitment and effort you will apply towards the success of your Internet marketing campaigns.

Make no mistake about it; there is definitely a certain level of time and financial commitment when establishing a successful Internet presence. Im not saying that you have to take out a second mortgage and hire dedicated staff to manage your website but you do need to ensure that its professionally built and well maintained. A half-hearted Internet campaign could actually be more of a detriment than a benefit to your business. In many cases, your website will be the first impression a customer will have of you. This valuable first impression is not something that should be left to Philthat computer guy to define.

The purpose of this article is not to convince you that you have to get your carwashing business online. Its focused on changing your perception regarding how your website should function. It looks to help you make an informed decision on the path you will take in establishing your Internet marketing presence.

The Digital Brochure

The most common perception that Ive come across is that a website can only act as an online brochure. Its function is to give visitors fundamental information about the business, details about its commitment to high levels of service, hours of operation and where it can be found. Oh yesand a Contact Us link. In its simplest form, a website can act as an online brochure but with just some extra commitment, a website can act as a virtual extension of your brick and mortar business. This gives you a real opportunity to get in front of those consumers who are online and surfing the Internet.

The Operational Storefront

Im going to ask you to change your perception on how a website should function by having you envision it as an Operational Storefront. Dont think of it simply as an online brochure but treat it as full fledged business with roads that lead to it, traffic with car counts and customers with a need and who are willing to spend money to fulfill that need!

Why? Because a website has all the same attributes as that of a business based on brick and mortar:

Roads, Streets and Highways

Like the streets and highways that lead to your brick and mortar business, a website also has this infrastructure in the form of links from other websites that lead to your own. The highways would be the search engines or online-yellow pages. Streets and avenues would be incoming links from other smaller sites.

Traffic and Customers

Whether physical or virtual, these highways, streets and avenues bring consumers who have needs to be met. You look to meet these needs by offering services which sell to a percentage of that traffic. If all things are equal that percentage will generally remain static. How do you increase sales? You either add new services to attract new customers and increase your percentages (conversion ratio) or you build and redirect new roads to your business to increase the car counts in that traffic.

This process works exactly the same way in the virtual world. By making your website interactive and providing services through your site, you look to satisfy the needs of your visitors. The more services that are available on your website, the greater the chance you will capture that visitor and convert them into a customer.

The big advantage in the virtual world is that through creative marketing, you can build new roads that lead into your website and increase your traffic countsomething that is nearly impossible in the physical world.

I would like to make a quick comment about the creative marketing process and how it ties in with the type developer you choose to design your website. There are two types of design houses:

Graphics & Design Centric Developers

Internet Marketing Centric Developers

For the carwashing industry, choose the latter. The formers main priority is the look and feel of your website and will allocate most of your resources to design. The latters focus is to ensure your website is marketable and will fulfill the needs of your target audience. They will also have the skill sets to customize an Internet marketing campaign based on the needs and goals of your business.

A Storefront to Sell

One of the most powerful ways you attract customers is to take advantage of the precious real estate on the front of your building. Through your storefront, you show them how you can fulfill their needs by displaying your products and services, provide price leaders, implement discount programs and anything else that pulls that consumer off the road and into your facilities.

On the Internet, your websites homepage is the storefront to your virtual business! When a visitor travels a road to your website and looks into its window, does it invite them in by displaying the products and services you offer? Does your homepage make them look twice by showing them the great discounts that are available? Does it allow them to quickly navigate to the products and services they are looking for? Does it let them know that they can immediately satisfy their needs by making it easy to purchase online?

Visitors That Have Needs

Thats right! Just like a consumer walking through the door, a visitor comes to your website with a need. Has your homepage defined that need and addressed it by giving visitors what they want or do they have to go through barriers such as animated splash pages or About Us type homepages (please read my cautionary note at the end of this article regarding splash pages).

More cases than not, I find that when interviewing a client for a new website, their primary focus is to put out a great design without any consideration for the needs of the visitor. Remembera website is a marketing and sales tool for your business and not a canvas to express your artistic creativity. Im not saying that it shouldnt have a clean and professional look but I do stress that it should first and foremost address the needs of your target audience. I know that I might sound a little critical in this area but there are so many websites that miss this mark. Satisfying the needs of your target audience is one of the most fundamental principles in establishing not only a successful Internet marketing campaign but any type of marketing campaign.

From the traffic being generated to the marketing concepts involved, the parallels that can be drawn between a physical and virtual storefront are endless. Just as vast are the opportunities that could be had when a creative Internet marketing campaign is implemented. Part of this understanding is to know that a website can go far beyond that of an online brochure. It can become a virtual extension of your physical business; enabling you to capture the new generation of online consumers.

A cautionary note regarding Splash Pages

Splash pages are graphical or animated introductory pages designed to set the mood for your website and invite the visitor in. The truth is that up to 71% of visitors leave a splash page before they set foot inside a website and in most cases, are not search engine friendly. I cant say enough on how Im against these things. Theres a huge list of reasons for this but dont take my word for it. Just visit these sites and theyll give you the gory details:

http://www.websiteoptimization.com/speed/tweak/splash/

http://www.netmechanic.com/news/vol3/promo_no13.htm

Jeffrey V. Lemire is president and CEO of CITADELNETWORKS, Inc. A web applications developer specializing in E-Commerce web sites for the car wash Industry.Live Mortgage Leads
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A Guide to Buying a Property in Romania

2007-11-07T23:48:00.001-08:00

Overview

Prior to 1990, nearly all of the real estate located in Romania was owned by the state. This real estate was owned either directly by the government or by state owned entities. With the overthrow of the Communist regime in that country, there has been a slow and somewhat plodding liberalization of the real estate laws within the country.

The years under dictatorial control left Romanian in worse economic shape that any other Eastern European nation. In addition, unlike some other countries from the Soviet Bloc, Romania has been slow in digging out for years of repression and economic mismanagement. With that said, there is some light at the end of the tunnel that likely will result in more foreign nationals taking a second look at investing in Romania.

In 2007, Romania will join the European Union. It is expected that when this occurs, the real estate laws within Romania will move in a direction to make them more in line with the real estate laws in other EU nations

Investment Property in Romania

At the present time, individual foreign nationals cannot buy and own real estate in the country. In point of fact, foreign nationals cannot even inherit and then take title to real estate situated in that country. The only manner in which a foreign national can invest in real estate in Romania is through a duly established corporation or limited liability company that is established under the statutes and regulations of Romania.

Residential Real Estate in Romania - Single Family Properties

For the most part, there is no foreign ownership of single family dwellings in Romania at this point in time. Because the only manner in which foreign nationals can take title to and own real estate in Romania is through a corporation or limited liability company, there are very few enterprises that have been established for the purpose of purchasing and taking title to single family dwellings.

In addition, although Romania has been working to establish a more stable market economy in recent years, due to the amount of time that it was under the yolk of a dictatorial regime, the real estate market is shaky. The demand for single family residents is spotty throughout the country. A good share of the more recently built single family residences are not necessarily constructed in a particularly sound manner. In addition, many older properties are in a state of disrepair.

Residential Real Estate in Romania - Apartments

A significant portion of the Romanian population currently dwell in apartments. There has been some movement by foreign nationals to become involved in commercial enterprises -- within the parameters established by the Romanian Constitution and related laws -- that own apartment buildings or complexes in the country. At this juncture, most investors in such real estate ventures have not made exceptional profits in these ventures. However, there is hope (reasonably placed for the most part) that when Romania is integrated into the EU, the Romanian economy overall and the real estate market specifically will experience growth.

Holiday Property in Romania

Tourism in Romania is not, as of this juncture, a significant industry. Therefore, when it comes to the real estate market involving vacation or holiday properties, there is not a significant amount of activity at this juncture. Up until 1990, foreigners were barely allowed into the country in the country. And, any foreigners that were permitted into the country certainly were not allowed to visit most areas in the country. Up until the 21st century, vacation and holiday travel into Romania almost was unheard of.

In reality, Romania is not without its points of interest when it comes to tourism. However, there remains much to be done in regard to reinvigorating the infrastructure of the country before there can be much of a market in tourism. The government is working on these matters at the present time. Once again, when Romania enters into the EU, there is a high probability that there will be an increase in the number of visitors to the country in the future.

Specific steps to buying real estate property in Romania

At the present time, the Constitution of Romania prohibits a foreign national from directly owning real estate in Romania. Even if a foreign national inherits real estate, that foreign national simply cannot take possession and ownership of inherited real estate in that country. This Constitutional provision -- and companion statutes and regulations enacted by the government of Romania since 1990 -- is not in step with what is in place in other countries that comprise the European Union. Thus, it is fairly to safe to assume that there will be fairly significant pressure on the Romanian government to liberalize its real estate laws to at least permit ownership of real estate in Romania by foreign nationals who reside in one or another of the other EU nations.

With that said, there is not specific proposal on the block at this time to liberalize the real estate laws even for foreign nationals from EU member nations. However, and again, the main underpinnings of the EU involve free commerce between the countries that comprise the EU. Such free commercial activity would be significantly impaired in regard to Romania and other EU nations should the laws (and Constitutional provisions) in Romania remain so stringent (and strident) when it comes to the issue of foreign ownership of real estate in Romania.

With this said, a Romanian company may own real estate in the country even if that company is owned 100% by a foreign national. Obviously, foreign nationals who have an expressed interest in owning real estate in Romania, either for investment purposes or as part of a business enterprise, are establishing companies -- corporations or limited liability companies -- within Romania.

The process for creating these entities is not that difficult. Generally, foreign nationals are retaining legal counsel in Romania to assist them in establishing these entities. There are lawyers in Romania that now specialize in this type of legal affair.

Provided that a foreign national or group of foreign nationals have duly established a bona fide corporation or limited liability company in Romania, the process for purchasing real estate within the country is not particularly complex on the surface and in and or itself. The process commences with the execution of a preliminary contract for sale. Via this document, the purchase price is established and a deposit is made by the buyer. In most instances, the deposit is set at an amount equal to 10% of the overall purchase price of the subject real estate.

During the interim between the execution of the preliminary or initial sales agreement and the date of the signing of the final agreement conveying ownership of the real estate to the buyer, the purchaser is obliged to obtain any necessary financing that he or she will need to effect the purchase of the real estate. (Again, in the case of a foreign national, the financing arrangements will need to be made by and the mortgage loan issued in favor of a duly established Romanian legal enterprise in the form of a corporation or limited liability company.

At this juncture it is important to keep in mind that Romania is a country fraught with problems when it comes to the title to real estate. The process of checking title to real estate in Romania is convoluted and difficult. Efforts have been made by the Romania government in recent years to clarify this entire process, and to clean up titles to real estate. But, the work and effort in this arena is far, far from complete.

The Romanian government has created a national property registry office. But, the office has been slow in dealing with the myriad of issues pertaining to title to real estate in the country.

Another problem pertaining to real estate in Romania centers on the fact that in many instances that real estate cannot be used as collateral for a loan. In this regard, unlike in nearly every other country in the world, the real estate that is the subject of a sale and for which financing is being obtained, in many instances will not be able to be used as collateral for a loan. In other words, if a person (or company) wants to buy real estate in Romania and needs a loan to do so, that person or company will need to use some other form of collateral for the loan beyond the real estate that is being purchased.

Once again, and has been noted, it is likely that there will be changes to the real estate laws on the books in Romania. Indeed, those changes will need to reach the Romanian Constitution as well. The entry of Romania into the EU in 2007 will be the primary reason that the Romanian government is likely to set upon a course to liberalize the real estate laws (and Constitutional provisions).

Property Abroad always recommends using a Solicitor or Lawyer.

Les Calvert - the Director of http://www.property-abroad.com often writes articles and information on the overseas property market. Visit their site with useful information and properties for sale in Romania http://www.property-abroad.com/romania.Mortgage Lead Programs
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6 Internet Marketing Myths

2007-11-07T22:46:00.000-08:00

Every day thousands of people go online to make money but most of them fail miserably because they either truly believe one of the 6 Internet Marketing Myths or or all of them. You can read them below and discover the grain of salt in all of them.

Myth #1: Internet Marketing is EASY

This is probably the biggest myth of all, and let me tell you Internet marketing is hard, takes time, effort not mention money and anyone who suggests otherwise is trying to sell you a bunch of horse hockey. Granted that it's comparatively easier to brick and mortar in that there's no inventory to carry, no shipping of goods no sales staff and virtually no overhead, but a lot of work is still involved.

Myth #2: ANYONE Can Make Money Online

Folks, this is simply not true. Unless someone gets off their lazy boy recliner and download/read everything they can about internet marketing, and put an action plan in motion, they will never make a dime on the internet. DO NOTHING, MAKE NOTHING.

Myth #3: You Can "GET RICH QUICK" On the Net!

This is the trap that a lot of newbie internet marketers falls into including myself when I first started, why? because scammers make it sounds so easy and let me tell you, chasing "get rich quick scheme" is a WASTE OF TIME!, money and energy. It just won't happen overnight, instead do some research and find out what people really want and need then give it to them especially a sense of reality.

Myth #4: It's FREE to Do Business Online

This is one of my favorite myths because I believed it during my first year of internet marketing and it just wasn't true then, it isn't true today. Compared to opening your first coffee shop or gift shop in downtown Los Angeles, internet business start-up cost and maintenance cost is pretty low. Once you have your domain set up, you only pay for internet connection, advertising and ongoing educations, that's it. You can't expect to make money selling free stuff and ask others to do the same. Folks! it takes money to make money.

Myth #5: It's TOO LATE to Start an Internet Business

Most super affiliate marketers would love to hear people say "It's too late now, too many competitions, I should just pack my bags and go home, the internet is too complicated, etc...". You know why? the less people they have to compete with the better which in turn will make them more money.

The fact is, it's never ever too late to start anything and that includes internet business. I firmly believe that the internet is not going anywhere and you should too. Every year the stats will show you the number of people shoppingonline are increasing, their spending dollars are growing and the number of people going online is increasing also.

Myth #6: The BIG Money Talk is JUST HYPE

As I've told you before, "it takes money to make money?" Well it's true, although you will be hard pressed to find experienced internet marketers to tell how much they spend on promoting and advertising. Sometimes, you have to dig a little deeper to find the truth in every hype you read. It's a fact that the people that makes alot of money online also spends alot of money on advertising, tools, resources and know how to get the job done.

If you are willing to take the necessary action to make 'big money' happen for you - it will. It takes time. You can criticize, be skeptical and sure that 'big money' can't happen for you - and it won't. Sit down and write a financial and a sound business plan. Local Chamber of Commerce can give all the info you need to get started.

If you believe that you will succeed you're right, if you believe that it won't work, you're right also.

To summarize, you have heard people's story how they're making a fortune on the internet and how easy it is but the reality is some stories are NOT out of this world or unrealistic but it just doesn't happen overnight. You just have to apply a bit of common sense into it, find what you love to do, have a game plan, stay focus and you my friend might find the right opportunity to make all your dreams come true.

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Gain Control of Real Estate Transactions with MyClosingSpace.com

2007-11-07T22:45:00.000-08:00

The scenario is all too familiar: soon-to-be homeowners secure financing, lock in a 30-day rate, and wait for their closing date. They have no control over the closing process, and can't get a straight answer from their Realtor, their mortgage broker, or their title company. Feeling helpless, they watch as their scheduled closing date passes by and their locked-in interest rate expires, increasing by a half-point. "On a $500,000 mortgage, that half-point means they will pay an additional $60,000 over the life of their loan," says Samuel Ingram, President of MyClosingSpace.com (www.MyClosingSpace.com), an innovative service that allows homeowners to gain control of the real estate closing process. "A real estate 'closing' is not a date," says Ingram. "It's a process. When the homeowners aren't in control of that process, they're at the mercy of their Realtor, attorney, mortgage broker, and title company. And they can end up paying a hefty price."

MyClosingSpace.com was designed to give consumers the control that's missing from the traditional real estate transaction process. The company facilitates real estate transactions while giving those who are buying or refinancing a home access to the critical information that ensures an on-time closing. "We become the homeowner's partner every step of the way, through title search, escrow, settlement, and closing," says Ingram.

The control begins with the company's leading edge technology, which generates an online real-time quote for title insurance and closing costs. "A homebuyer or homeowner simply has to enter the property's zip code, the price of the house, and the mortgage amount, and they will receive an online quote instantly," says Ingram. "That gives them the information they need to make their own decision."

Further, MyClosingSpace.com has a team of experts that communicates with real estate professionals on the homeowner's behalf. "Our clients don't have to go from one company to another with a thick folder of papers in hand," says Ingram. "Plus, they only have to make one phone call to get the answers they need from our exceptional customer service team."

MyClosingSpace.com takes the mystery out of closing costs, which are often inflated by various parties in a real estate transaction. Consumers can use MyClosingSpace.com's free online quote tool for any number of properties. "With MyClosingSpace, homeowners know upfront exactly how much their closing costs will be," says Ingram. Because MyClosingSpace.com doesn't engage in revenue sharing arrangements with lenders, attorneys, or Realtors, consumers save an average of 30 percent on closing costs.

Concludes Ingram, "With our real-time quote tools and online ordering, we can ensure that homeowners close on time, every time, and avoid penalties and interest rate increases that can cost tens of thousands of dollars." That's money homeowners can put to good use in furnishing their new home.

Press Direct International (http://www.pressdirectinternational.org) is a global information website providing reliable information tailored for professionals in financial, media and corporate markets. Senior Editor: Kris Nickerson.Live Mortgage Leads
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Marketing Your Website

2007-11-07T22:26:00.001-08:00

Your new website is up and running, it's time to inform the purchasing public. Marketing a web-based business is just as important as marketing a brick-and-mortar business. Even though a marketing plan is probably one of the most important elements of successful business, it is usually the least thought of aspect of any new business. Formulate a strategic marketing plan. A properly instituted marketing plan gives your website an acceptance level far above the average website by providing a rational direction for your marketing activities.

Creating a good marketing plan is the best thing that you can do to help assure a new web based business's growth. Your marketing plan should be your guide on which you base your marketing decisions and it will help to ensure that everyone involved in marketing your website works toward the same goals. Optimally, a marketing plan and it's budget should cover promotion and advertising for 6-12 months.

Don't forget to include in your plan budget a sizable allotment for market research. What you know about your target market and the information gleaned from marketing research will give you the basis for your marketing strategy. Research is the only way you will know what is necessary to design your marketing plan to reach the 25-30% of your website customers that are not brought to your site by search engines and directories. The plan should lay the groundwork for campaigns that will encourage customers to place an order, or to take some kind of action, that will allow you to respond.

When drawing up your marketing plan, think about where you want your business to be in three years and how you plan to get there. Marketing your web-based business is a never-ending task. Once you have your information and your marketing plan in place, you must continuously revisit, revise, refine and revamp it to accommodate changes in your marketplace.

With an internet marketing plan in place you have a consider strategy to outmaneuver your competition by capitalizing on their weakness and emphasize your web-based business's strengths. By increasing market awareness of the offerings of your website, you acquire new customers.

Matt Kuren is a successful Internet Marketer. Visit his website http://www.WaysToMakeMoney.biz and subscribe for a free 7 weeks ecourse on how to make money online and learn how to start your own "work from home internet busines"s.Live Mortgage Leads
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House Prices Slowing Down

2007-11-07T22:26:00.000-08:00

As thousands of Britons put their homes up for sale the price growth in the property market has started to slow down. The huge number of homes that came onto the market saw the house prices in June raise only by 0.8 percent.

Many estate agents believe that the rise in homes that are being put for sale is due to the fact that many homeowners are trying to beat the home information pack deadline. However, the rush to beat the home information pack deadline appears to have attracted some poorly motivated sellers to the market.

Many of the homeowners who are avoiding the fee of the packets are only placing their home on the market sooner to avoid having to pay the fee and are not being realistic on the price of their home.

The home information packs were due to become compulsory for all home being put on the market on June 1st, however the government changed the date and decided that the home information packs would not be needed until August 1st and would only apply to properties with four or more bedrooms.

"There was a definite surge in home improvement loan applications early this year," says Abbi Rouse of loan brokers, Essentially Home Loans.

"This accords with the belief that house sellers were rushing to improve their home and borrow money to pay for the packs. Now that many homes are outside the HIP bracket, these actions may seem premature, but improving your home is always a good way of building wealth whilst house prices are on the increase."

Whatever the reason may be behind the motivation of a seller, there are currently more homes on the market, which means more choice for buyers, which will place more pressure on the house prices. The more property that becomes available is good news for buyers, as sellers who want to sell urgently will likely have dropped their asking price. However, those who intend to sell their home to avoid having to pay a few hundred on the home information packs end up losing out on thousands as they are forced to drop the price of their home for a quick sale.

Abbi Rouse is the Editor in Chief for Essentially Home Loans where visitors can apply for cheap loans online. We also specialise in bad credit loans. Visit our site today http://www.essentiallyhomeloans.co.uk Mortgage Lead Programs
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How to Get Started or Re-started in Your Mortgage Business

2007-11-07T20:43:00.000-08:00

How to Get Started or Re-started in Your Mortgage Business

Whether you're new to the mortgage business or been sitting on the sidelines for a while, this is a great time to get involved and jump-start your mortgage business.

The U.S. housing market is still encouragingly active...thirty year interest rates although fluctuating are still below 7.00%...home equity interest rates have risen enough to force many folks to refinance and eliminate the higher rate line of credit...and, over 21 trillion dollars in adjustable-rate mortgages are ripe for conversion in the months ahead, to other mortgage products.

Here's what you need to do:

1. Make a list. Yes...you need to make a list of everyone you know. You've heard this before...the moneys in the list...and it's absolutely true. Make sure that you have their address, phone number, and email address if possible, plus and any other information you may have about them.

2. Send a personal letter to each of them. Tell them that you are now in the mortgage business and you are ready to help them any way that you can. Automate your list on your computer to make this function as easy as possible.

3. Follow-up a few days later with a phone call. Re-introduce yourself and your business. Ask if they have any questions about credit and/or mortgages. Ask questions that help you fill-in the blanks and take lots of notes. Offer your private number (cell phone number) in case they have any questions.

4. Send a hand written "Thank You" note expressing your gratitude for the time they spent with you and the information they provided. Very few people use "Thank You" cards today...you'll be remembered for using them.

5. Send holiday cards, birthday cards, postcards, articles and informative industry information each and every month there after. You'll eventually be accepted as an expert and trusted advisor, because of the valuable information that you continue to provide.

6. Never stop building your list. Set a personal goal of adding new contacts each day and then follow the same steps for each addition to your list.

This is the beginning of your database and your new mortgage business. Maintain your list, up-date it, and continually add to it. Handled correctly your database will result in mortgage referrals every month. The larger your database, the more referrals you'll receive.

By effectively using your database, maintaining an exceptional service level, and keeping your name in the forefront of your contacts mind...you have a great chance of generating business right away.

Tom Domin is the author of "Tom's Mortgage Tips" a twice monthly Mortgage Newsletter that is geared for Mortgage Professionals. You can sign-up by visiting http://www.mortgagemarketingtoolkit.com/.Exclusive Mortgage Leads
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Home Improvement Loans

2007-11-07T20:42:00.000-08:00

The best way to increase the value of your home is to make improvements. If you are like most people, this is nearly impossible to do without the help of a home improvement loan. These loans are tax deductable for home-owners seeking to make improvements on their primary residence, not rental properties or vacation homes. A home improvement loan can be used to a variety of upgrades and renovations including, but not limited to, remodeling a kitchen or bathroom, installing a swimming pool or even re-carpeting your home.

Home improvement loans must be secured by collateral, this is equity built up in the home. Because these types of loans are less risky to company, they are typically offered at a lower interest rate. To be considered for a home improvement loan, you must own the home, or be in good standing with your mortgage payments.

There are two kinds of home improvement loans available to choose from. Those loans are, FHA Title I Home Improvement Loans and the Traditional Home Improvement Loans. Either one can be used for new construction, remodeling or upgrading things in your home like a garage, new roof, swimming pool or new bathroom and kitchen, among many other projects.

You must have equity in the home you intend to improve, if you are considering a Traditional Home Improvement Loan, generally about 20% of the home's cost. The equity you've already built and that gained by the improvements of the home are to be the collateral. The company that provides the loan is called a lender. When using a home improvement loan, the lender will take out a first or second lein or mortgage against the home.

Though the majority of home improvement loans are for terms or 10 years or less, there are programs and lenders available that will extend the term to 15 years. That is largely dependant on how much you intend to borrow. The difference between a Traditional Home Improvement Loan and a FHA Title I Home Improvement Loan, is that the latter is a Government program.

You may use the FHA loan for necessary repairs and maintenance to the home. Luxury upgrades are not allowed. This may be the way to go for many as equity in the home is not required for this type of loan and past credit issues are often not a problem. The repayment for the FHA Title I loan can be as long as a 20 year term, as long as the home-owner has kept their credit in good standing, recently.

If your home loan is under $7,500, there is no lein placed on the title of the home, making it possible for more home-owners to make improvements on their home, while being tax deductible at the same time.

Whether you've decided to purchase your first home, or your still in the researching phase, check to see if your state or local community has programs available for first time home buyers. Many of these programs will offer you step-by-step assistance in finding realator, a home and the loan that best suits your needs. They are an invaluable resource.

Programs for first time home buyers should have a proven track record. Look to see that they have been in business for a reasonable amount of time. Check with your local financial institutions for a list of mortgatge companies that are considered reputable.

Next, be sure you meet the criteria to take part in the program you've chosen. Remember, there are many to choose from and the best are those geared toward assisting low to medium income families by offering smaller down payments, no down payments, lowered closing costs and reduced interest rates.

A first time home buyer program should take the hassle out of buying a home, allowing you the freedom to enjoy the process of selecting your very own home.

Beverly Kane is a staff writer at http://homeimprovementgazette.com and is an occasional contributor to several other websites, including http://www.theshoppinggazette.com.Mortgage Lead Transfers
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Alternatives to the Downward Spiral

2007-11-07T20:22:00.001-08:00

A very great dramatist, perhaps Ibsen, said that 'all happy families are the same, but each unhappy family has its own tragedy'. Several people have disagreed, notably those like me who have worked on the street and out in the community for many years. The sad fact is that unhappiness is depressingly similar wherever you go, (especially in an urban society like England). It usually involves bad housing, low income, lack of educational ambitions, poor health, petty crime and use of drugs. Unfortunately, where one of those bad things lives, another one lurks. When a woman said to me some years ago, 'Our family are poor but we don't use drugs', it wasn't much of a surprise to find out later that it wasn't true of the children that she had no control over. The fact is that drugs and poverty go together like apple pie and ice cream, or, to put it another way, if your family lives in run-down property that is surrounded by crime and drugs, it's damn unlikely you can stop it ruining your life.

Of course there are exceptions. I know a woman who works at Salford University. She's a cleaner there. However she hasn't let her own lack of education attainments stunt her interest in learning. She has three children, two of whom have gone to University. All three of them are working, in good jobs with good prospects. She is justly proud of them. If you ask her how she's done it, she'll tell you it was by realising early on that her kids wouldn't learn anything from the no-goods on the same block. She kept her kids in and made them do their homework. Their lives are prospering now, thanks to her single-mindedness.

It's easier to start slipping down the slope. Many respectable middle-class families got a nasty shock back in the 1980s when British industry started contracting and redundancy suddenly became common. People who lost their jobs found they couldn't afford the car loan, and their vehicle had to go back. They discovered they couldn't afford to eat out or entertain lavishly at home, so lost touch with their more prosperous friends. Eventually they couldn't pay the mortgage. Some lucky ones moved to cheaper accommodation. Some lost their homes and were forced to rent. Their health began to suffer. It was like one bad thing kept leading to another. They had discovered the downward spiral.

It's not a coincidence that young people who don't do their homework are the same ones who start skipping school altogether. Then they hang around on street corners and get dragged into petty crime. Then they are encouraged to try illegal drugs and move on to more serious crime to fund their newly acquired habits. They have no money to think about buying their own homes, but then, they can't hold down responsible jobs and are forced to make do with casual, low-paid work at best, or none at all. Some people talk about the 'ladder to success', but that's misleading. If you get your foot on the first rung, there's no guarantee you're going to start climbing. It's just as likely you will find the ladder leads you downwards.

Middle-class people are put on the ladder at an early age by their parents, so don't even see that it exists. They know (because they are told) that they have to do well at High School, followed by a move on to higher education, so that they can take up a 'good' job. They are then rewarded with the kind of salary that allows them to buy a car, get married and move into their own home. One thing leads to another, so naturally and without apparent effort, it's hard to believe how it works. It's an upward spiral. You can't jump into this life at age 28, if you haven't done the basics certificates from school, solid track record of involvement in your community and participation. No, but people can 'start again' after beginning life in the ghetto, they just find they have to go back to the 'Start' square, like in Monopoly. For adults living in England that may involve doing a 2-year Access Course, which gets you into University, no matter what other qualifications you lack. It's a 'new start', another chance, and the government happen to be pushing it rather hard at the moment. That's because they know it works. Once the person gets their foot on the ladder and is looking upward, they move effortlessly into society and start contributing. That breaks the downward cycle. They start seeking decent accommodation and start looking after their health. They get interested in the outside world and avoid criminal activity. Each facet helps the other. They are on the upward spiral, and they make progress until they retire.

Most important thing to remember is this. Most people aren't standing still. They're on a spiral, up or down, it doesn't matter. If you followed the acceptable path of education and career, you will find that you get a pay rise next year and promotional opportunities arise. You might feel that you've got the same old job, but if you work in education or the public sector, where things are highly structured, it's unlikely you will be in the same job in 10 years time, or on the same salary. (Some people say 'I've had the same job for 20 years', but that has to be their choice. No one can keep you from taking the next rung up.) So, those people are moving upward. People who are rich get richer. People who are already poor get poorer. Hmm, trite, but then, I don't think I invented that.

More noticeable is that the spiral always involves a list of items. It's education, job, house, location, health etc. etc. If you want to change your life, that's often the most daunting thing. Where do you start? There's so much to change! The answer, of course, is that everything has to change. Attack each item and work on each aspect of your life. Good news is that as one thing improves, so does another. You soon get onto the upward spiral, and that, truly, is 'an alternative'.

Mike Scantlebury is an Internet Author, currently domiciled in Manchester, England, the place to find the most famous soccer team in the world and home town of that iconic LA-based singer, Morrisey. Mike Scantlebury has written novels, stories and songs and can be found on YouTube. His writings are gathered on a number of web sites, but a good place to start is his download site http://mikescantlebury.biz Live Mortgage Leads
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Eliminate Bad Habits and Thinking that Delay Accomplishing 20 Times More

2007-11-07T20:22:00.000-08:00

Stalls are bad habits that delay accomplishing 20 times as much through the 2,000 percent solution process for making breakthroughs. Stalls are harmful because they drain time and attention away from more productive activities and also set up barriers to improvements. In this article, you'll ask seven questions that will help you identify and overcome your stalls.

You will be more successful in this activity if you prepare yourself. If you are not familiar with all of the current steps involved in the performance area or activity you want to improve, be sure to take the time to observe and participate in that performance area so your thinking is influenced by the facts rather than by opinions or out-of-date information. If possible, have those who work in the area share their observations independently of your own thinking. In addition, check your answers with those who are involved in the performance area.

1. What are the avoidable causes of delays?

A good way to begin is to assume that you are personally going to do all of the steps involved in the performance area or activity you want to improve. Then, find the resources, knowledge, skill and information to do that work in the fastest, most effective way. After you have identified how you would do the activity yourself with the right resources, see what current delays can be eliminated. Then, determine what would have to change in order to eliminate those delays.

Here's an example. Let's look at the sales process of finding and attracting a new customer. Many organizations provide leads to help sales people focus their initial contacts. In some organizations, these leads are only provided every month or so. In between, the sales people can follow up on old leads but have no new ones to focus on. Changing the lead generation process to provide leads more often would allow salespeople the ability to make new contacts daily. Additionally, if the leads are received more often, the leads are probably based on more recent expressions of interest by potential customers. Sales results are bound to improve in such a circumstance. If the lead generation source is already adding leads daily, all that has to change is to transmit those leads daily to your company rather than less frequently. In many cases, the cost of doing so will be lower because a report may be eliminated in the process change.

2. Why haven't the avoidable delays been eliminated in the past?

You need to know the historical reason for the delays continuing because otherwise you won't know how to address the change process.

In some cases, the source of a delay may relate to some existing process that has not been changed recently. In those instances, the delay may simply be a function of no one having looked lately at how to make faster progress. In other cases, your computer systems may be the source of the delay, and no one wants to put in the time and effort to change them except for a very good reason. Elsewhere in your organization, you may find that there are differences of opinion about what should be done, and no one wants to take on the political challenges of advocating and leading a change. In some other circumstances, you may find that the delay is actually a defense mechanism that some people use to diffuse pressure for higher performance. Be sure to keep looking until you find some unconscious habits that are reinforcing the continued delays.

3. How will customers, employees, suppliers, distributors, partners, shareholders, lenders and the communities you serve be helped or hurt by eliminating the delays?

You will find that solutions which obviously benefit each stakeholder will be those that will be easiest to implement. If eliminating delays is harmful to some of these stockholder groups while being positive for others, rethink the subject to consider how the delays could be eliminated so that everyone would benefit. In some cases, that may mean providing some of the economic benefit of the change to those who will be somewhat harmed by it to more than offset any harm.

4. Are there ways of eliminating delays that help with more than one kind of delay?

Most organizations have a limited capacity for change that is always being exceeded. In such circumstances, people may just spin their wheels and feel frustrated. If you can find ways to eliminate the delays that require fewer or easier changes, you will be more likely to succeed in this and other important initiatives that the organization is pursuing.

5. What could go wrong when you eliminate delays?

Productivity often falls when an organization puts in a productivity improving change. A common reason for such a perverse result is that not enough preparation has been done so that everyone knows what he or she needs to do. With time, appropriate learning usually develops and results improve. But with careful thinking in advance about the downside risk, you can often eliminate these painful, temporary setbacks that sap enthusiasm for the new direction.

6. What are the least demanding ways to avoid the delays?

As you know from applying the 2,000 percent solution process, great progress occurs each time you repeat the eight step process. If you pursue these changes in less demanding ways, you will finish putting this 2,000 percent solution into practice sooner so that you can begin repeating the process faster as well.

7. What other benefits will you gain from making these changes?

When you aim to make a 2,000 percent solution, you will often create improvements in other activities and areas that you were not considering. As you begin to focus on creating a 2,000 percent solution, the perspectives you gain from this question will help point you in the most effective direction.

Copyright 2007 Donald W. Mitchell, All Rights Reserved

Donald Mitchell is chairman and CEO of Mitchell and Company, a strategy and financial consulting firm in Weston, MA. He is coauthor of six books including The 2,000 Percent Squared Solution, The 2,000 Percent Solution, The Portable 2,000 Percent Solution, and The 2,000 Percent Solution Workbook. You can read about his work on improving effectiveness and find free excerpts from The 2,000 Percent Solution at: http://www.2000percentsolution.com .Mortgage Lead Programs
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Marketing And Advertising: Power Point Phrases That Will Create Income

2007-11-07T18:40:00.001-08:00

When looking at any type of marketing advertisement, do you glance at the ad then set it down thinking that later you will call on it? Most of the time we forget about the service or product and end up weeks later throwing the ad away. What makes the difference between an immediate response to an ad, or having it end up in a pile of papers on your desk?

When marketing and advertising your home based business in any type of form, power point phrases are an idea tool to generate income. This will not only capture interest in your product or service, it will get people to respond.

Creating urgency through "call to action" phrases is an important and effective way to keep potential clients from forgetting about you. Generally, "call to action phrases" are phrases that promote a time frame for the client to respond. It is an offer that benefits them if they respond in a timely manner.

Below are nine "call to action" phrases that will capture a quicker response.

1. Biggest sale event of the year!

2. Limited Availability

3. Free Consultation-Limited Time Only

4. April 25th - May 10th (stating the dates the offer is available)

5. Call Now!

6. You area has been selected.

7. Two weeks only!

8. Call today to reserve your appointment time at this price

9. Offer expires 9/12/06

Make sure prices and information about your company are listed that will make them choose you over the competition. This is the time to outshine your competition. It is also the moment that you can substantiate credibility. Some of the following power point phrases can be used for these purposes.

1. Latest Technology

2. Recommended by.......

3. Our method is simply the best!

4. Guaranteed!

5. Money back if your not satisfied

6. Best Value

7. Lifetime Warranty

Competition in the home based business world today in becoming considerable. I have found that being creative and staying one step ahead of the competition is crucial. Take time to frequently analyze your company and other companies offering the same service or product. This is advantageous because it will show you when and where your company needs to improve and grow. It will also show you why other companies are either failing or succeeding.

Apply the knowledge that you gain into your advertising power point phrases. Large companies have used test marketing of their products or service for decades to determine where changes or improvements need to be made. We need to apply those same concepts in our home based business to stay ahead of the game in capturing business.

Lastly, you may need to change your ad until you get the most effective results. In fact changing your ad from time to time to promote a new aspect of your business is a good idea. However, keep the look of your ad consistent so that people will recognize it is your company. This is called branding. It takes time, effort and money to brand your company. You can change content but, keep your logo and general appearance the same. Marketing and advertising is a fun way to grow your company if you apply the correct principles.

La Donna Jensen is an expert in marketing and sales for over 15 years. Marketing consultant for a radio show and magazine. Successful owner of own business and Internet entrepreneur. For more articles on marketing and advertising visit http://networkmarketingincome.com/articles.html Exclusive Mortgage Leads
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Giving Gretzky The Benefit Of The Doubt

2007-11-07T18:40:00.000-08:00

Wayne Gretzky has been drawn into a gambling controversy because his wife Janet Gretzky has been alleged to have made non-hockey related bets in a gambling ring.

Many members of the media are trying to link Wayne Gretzky to the scandal and have called for him to resign as head of Canada's Olympic hockey program.

This is completely insane. Wayne Gretzky has not been named in the scandal and he has denied any involvement in the gambling ring.

We will take Mr. Gretzky at his word and give him the benefit of the doubt. During his hockey career, fellow teammates knew Gretzky as a model human being and hockey player. Players have said that Gretzky didn't even play cards.

Mr. Gretzky has been an ambassador to the game of hockey. I believe that he represents everything that is good about sports. Until I see credible and irrefutable evidence that he was involved in any wrongdoing, he will receive my support.

Wayne Gretzky has raised millions of dollars in the United States and Canada for various charities. Gretzky has represented the game of hockey with class and dignity.

I believe Gretzky brought credibility to his sport and deserves our support. Gretzky has been kind to the media and this is how they repay his kindness. It's shameful but not surprising that the media has acted like a bunch of thugs and goons.

Mr. Gretzky should accompany team Canada to the Olympics in Turin. Hopefully his team will bring home the gold. We salute Mr. Gretzky and everything he stands for.

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Real Estate Tax Incentives

2007-11-07T18:19:00.000-08:00

Lower Your Taxes

Tax incentives for real estate investors can often make the difference in your tax rates. Deductions for rental property can often be used to offset wage income. Tax breaks can often enable investors to turn a loss into a profit.

For which items can investors get tax breaks? You could claim deductions for actual costs you incur for financing, managing and operating the rental property. This includes mortgage interest payments, real estate taxes, insurance, maintenance, repairs, property management fees, travel, advertising, and utilities (assuming the tenant doesn't pay them). These expenses can be subtracted from your adjusted gross income when determining your personal income taxes. Of course, these deductions cannot exceed the amount of real estate income you receive. In addition to deductions for operating costs, you can also receive breaks for depreciation. Buildings naturally deteriorate over time, and these "losses" can be deducted regardless of the actual market value of the property. Because depreciation is a non-cash expense -- you are not actually spending any money -- the tax code can get a bit tricky. For more information about depreciation and various tax alternatives, ask your tax advisor about Section 1031 of the U.S. Tax Code.

Have a Positive Cash Flow

There are two kinds of positive cash flows: pre-tax and after-tax. A pre-tax positive cash flow occurs when income received is greater than expenses incurred. This sort of situation is difficult to find, but they are usually a strong and safe investment. An after-tax positive cash flow may have expenses that outweigh collected income, but various tax breaks allow for a positive cash flow. This is more common, but it is generally not as strong or safe as a pre-tax positive cash flow. Regardless of what kind of real estate you choose to invest in, timely collections from your tenants is absolutely necessary. A positive cash flow -- whether it be pre-tax or after-tax -- requires rental income. Be sure to find quality tenants; a thorough credit and employment check is probably a good idea.

Use Leverage

One of the most important factors in determining a solid investment is the amount of equity you are purchasing. Equity is the difference between the actual worth of the property and the balanced owed on the mortgage.

Benefit from Growing Equity

While investing in real estate is relatively complex, it is often worth the extra work. When compared to other financial investments, like bonds or CD's, the return on investment for real estate purchases can often be greater.

The key to real estate investing is equity. Determine an amount of equity that you want to achieve. When you reach your goal, it's time to sell or refinance. Determining the proper amount of equity may require the assistance of a real estate professional.

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FA Cup Fourth Round Betting Review

2007-11-07T18:18:00.000-08:00

Striker DJ Campbell, last seasons FA Cup hero with non-league Yeading, dumped Premiership strugglers Sunderland out of the FA Cup to secure Brentfords spot in the last 16 for the second time in as many years.

The 5,000 summer signing opened the scoring after 57 minutes only for Argentinean midfielder Julio Arca to equalise for Sunderland. However, Campbell became the hero in the 89 minute, netting the winning goal to set up a memorable win for the 11/4 Bees.

Bolton Wanderers extended Arsenals away day blues with a 1-0 win at the Reebok Stadium. The bookmakers priced this match according to Arsenals reputation, rather than their performances this season. Bolton were as large as 2/1 before kick-off, an insult considering they beat the Gunners 2-0 in league duty back in December. Greek international Stelios scored the decisive goal with six minutes remaining.

Shortest price of the day unsurprisingly was Chelsea at 1/2 but they will have spoiled a few betting coupons after a 1-1 draw at Everton. The Toffees, priced up as 11/2 before kick-off, took the lead through James McFadden but a 73 minute equaliser from Frank Lampard took the tie to a replay at Stamford Bridge.

League One high flyers Colchester United sent another Championship side packing in Derby County. Colchester were 11/8 favourites and found themselves 3-0 up through Neil Danns and Richard Garcia. A penalty from Tommy Smith 11 minutes from time was the Rams only reply.

Leyton Orient will have had their supporters at 10/1 to beat Charlton Athletic. Jon Fortune gave the Addicks an early lead but the League Two side hit back through veteran Lee Steele. Charlton, 2/7 jollies before kick off, needed a stoppage time winner from Jay Bothroyd to spare their blushes.

The scent of an upset hung in the air before the lunch-time clash between League Two side Cheltenham Town and Newcastle United. Despite their efforts, Newcastle scored two goals in as many minutes just before half-time through Michael Chopra and Scott Parker to justify their odds of 8/15.

Rank outsiders on the day, 14/1 Port Vale, gave Aston Villa a scare with five minutes remaining to claw the score back to 2-1, although highly-rated midfielder ensured there would be no upset with a third goal in the 90 minute to please the big hitters who waded in at 1/4.

Better finishing could have earned Coventry City a shock 5/2 win over Middlesbrough but the tie ended all square at 1-1, extending Coventrys unbeaten run at the Ricoh Arena to eight matches.

On Sunday, Manchester United were shorter still at 4/9 but did not disappoint against Wolves, brushing aside the Championship team 3-0 at Molineux. Two goals from Kieron Richardson and another from a resurgent Louis Saha inflicted Glenn Hoddles heaviest defeat as Wolves manager.

Liverpool were also short at 8/15 to win away at Portsmouth and they didnt disappoint with two first half goals from Steven Gerrard and John Arne Riise. Sean Davis pulled a goal back for Portsmouth nine minutes into the second half but the Reds held firm.

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