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Personal Finance - Three Quick & Simple Ways To Improve Your Personal Finances

2008-02-28T09:40:00.000-08:00

Many Americans and people in countries where ready credit is available find themselves in greater debt then ever before and this makes you wonder whether you are working for yourself or for your creditors. This ends up being a problem of financial spending & control and if you take a short moment to reconsider your own financial health, you might be able to correct your financial situation today.

You will find that many people today are living from paycheck to paycheck and running from PayDayLoanToday loan provider to another. This article suggests three simple & quick ways to improve your personal finances.

Firstly, you might want to draw up a Cash flow statement for yourself. This is quite simple to do actually. Just take a blank sheet of paper and draw a line in the middle and consider how much money you are earning each month and list all the sources on the left and total it up at the bottom. Next on the right column figure out how much money you are spending each month, including how much interest and debt you need to repay. Take your credit card statements out and use it to work through this section. Once you figure this out, then you will be better able to manage your own finances or at least have a better idea about your spending habits.

Secondly, budget to save before you spend. This idea is taken from many millionaires who recommend that you use auto-transfer each month a sum of your money and either save it or invest it into some thing like real estate. My personal favourite idea is to take a sum of money each month and use it to purchase my favourite Exchange Traded Fund which works like a mutual fund only that it just buys up the entire index of stocks. This way you do not need to work about over performing or underperforming the market and the management fees for these funds are really low.

Finally, now that you know how much money you have left to spend each month, budget how much you want to spend each month. As terrible as it may seem, try to pay for things with cash and with a debt card so that you are kept in touch with how much you are actually spending. Its so easy to flash a credit card and then lose sense of reality and you only get hit with it at the end of the month when the bill arrives. So try to remind yourself constantly about the need to avoid spending exuberance.

In conclusion, doing a simple cash flow statement ever so often helps to keep yourself reminded of how your spending and investing patterns are each month. Budgeting to save before you spend will ensure that you will retire quite well off and budgeting before you spend will help you figure out how you want to use your available funds each month. Remember that the more credit you use on consumer products which drop in value really fast, the most the credit card companies are going to make from you and the less you will have to spend in the longer term. Take control of your finances today and you will find your life starting to look brighter and happier.

Copyright © 2006 Joel Teo. All rights reserved. (You may publish this article in its entirety with the following author's information with live links only.)

Joel Teo is the successful Webmaster of http://www.RealEstateInvestment101.info. Learn how you can make money in Orlando Investment Property today and start generating a positive monthly cashflow from your property investments.Better Hypnosis Life Self
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Termination in the Advent of New Life

2008-02-26T00:46:00.000-08:00

If you are an employee, one of the greatest news that could ever be delivered to you is the fact that you are about to rear a new child. This coupled with the fact that you have been preparing all your life for that other individual to enter your life. Be that as it may, knowledge that you are pregnant, may actually bring about contradicting opinions and actions from people around you. Let us consider how your employer would react at this situation.

Two things may happen upon your employer acquiring the said knowledge. First, if your employer acts in consonance with the laws set forth on the protection of the working women in the production environment then he would squarely follow the laws of the land and give you the rights afforded by law. Maternity leave, which are paid days off from work, and the fact that after your pregnancy you will be retained to your previous work position. Or the other thing that may happen, is that your employer can find a way to terminate your services on the sole basis of your pregnancy. As per experience, and with the capitalist society we are living in right now, the latter is the obvious reaction of your employer.

Discriminating an individual on the basis of pregnancy is an unfair labor practice which the law abhors. The Fair Employment and Housing Act outlines the protection afforded to the pregnant employee for disability brought about by pregnancy, childbirth and other related medical conditions. The law favors in fact that they may be transferred to duties that would require lesser strain, and is medically advised to have the same.

Yet employers always find a way of having acts that run counter to this substantive law. They may either find proofs to show that with the present physical condition of the employee she can no longer comply with the essential rigors of her work. Or that reasons removing her are far fetched from her physical condition.

Ultimately, if the employee is removed having her pregnancy as a factor for her termination, then the employer would be liable for unlawful discrimination, and a cause of action may be had against it.

Atty Gabriel Cosh is a legal advocate and a practitioner of law for over 10 years now. He is also an expert in the field of social legislation and personal injury cases.Ca Auto Insurance
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Rhode Island Divorce Lawyers: Modifying Rhode Island Child Support!

2008-02-25T21:24:00.000-08:00

* * * What is Rhode Island Child Support? * * *

In Rhode Island, child support is most typically a monetary amount of money that is paid by the parent having visitation with the child or children. It is an amount that the court deems the child(ren) is entitled to from both parents for the child's support. The parent having visitation is then generally ordered to pay his or her percentage share of the total support amount that is calculated to be due to the child(dren) based upon that parent's percentage of his or her income to the combined gross income of both parents of the child.

* * * How is Rhode Island Child Support calculated? * * *

Rhode Island Child Support is set pursuant to the Rhode Island Child Support Guidelines with adjustments by the Rhode Island Family Court judge as provided in the guidelines or within the Judge's discretion as allowed by law since the Rhode Island Child support guidelines could never anticipate every factual set of circumstances under which adjustments should be made.

* * * When are Motions to Modify your Child Support typically filed? * * *

A Motion to Modify a Child Support obligation is typically filed with the Rhode Island Family Court when there is a "substantial change in circumstances". Generally speaking a substantial change in circumstances occur when the combined gross income of the parents of the child has changed by 10% from the time when the Rhode Island Family Court last entered an order for child support.

* * * What could cause a 10% "substantial change in circumstances"? * * *

1. Loss of a job or layoff.
2. Loss of paid medical benefits through your employer.
3. Hospitalizations
4. New job that pays more or less money.
5. Birth of a new child to either parent.
6. Discontinued overtime from your employer.
7. Child is working and contributing to the placement household.
8. Unemployment
9. Out on TDI, are hospitalized
10. Any other circumstance that causes a change of at least 10% in the combined gross income of both parents.

* * * Will the Rhode Island Judge give me retroactive credits? * * *

Under Rhode Island Domestic Relations Law the family court judge assigned to hear your case has the authority in his or her discretion to grant you credit retroactive to the date you filed your Motion to Modify Child Support. Therefore, if you get laid off or experience any substantial reduction in income that may prevent you from paying your child support as required by the court then you should hand-file your Motion to Modify Child Support with the Rhode Island Family Court because the date of your filing is the farthest date that the judge may award you retroactive child support.

* * * What if I can't make my payments as periodically ordered? * * *

If you have to pay child support on a weekly basis but you are unable to do so, it is generally best to file a Motion for Relief. This is different from a Motion to Modify Child Support because a Motion for Relief does not require that you meet the "substantial circumstances" test. The Motion for Relief would simply request a Modification of the terms under which your payments are made.

For instance, if you are ordered to pay your child support on a weekly basis but your income fluctuates substantially such that you may have no income in any given week then it may be better to pay your child support bi-weekly or even monthly (in advance) in order to account for your income fluctuation.

A Motion for Relief can be very helpful, especially when you are looking more for an accommodation of an existing condition and you have a justifiable basis for it.

* * * What should I watch for when calculating Rhode Island Child Support? * * *

Child Support is not nearly as simple as some Rhode Island Divorce and family law attorneys make it out to be. Unfortunately some lawyers choose to oversimplify child support and how it is calculated rather than running through it with their client.

It is also very easy for a layperson to misunderstand the guidelines themselves. Though the Rhode Island Child Support Guidelines and the worksheet provided by the court are intended to inform lawyers and pro se individuals about the use of the form and the manner in which the calculations are to be made, there is a significant amount of practical application that is not explained in the guidelines. The guidelines also won't help you to understand each family court judge's philosophy.

Always make sure you check the "Mandatory" deductions that are set forth on the Rhode Island Child Support Guidelines worksheet and include them on the worksheet.

Per the Rhode Island Child Support Guidelines you are entitled to these deductions off your gross income and it could make a significant difference in your child support obligation. Double check your attorney's calculations if you like but make certain that you receive those deductions if you are entitled to them.

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A Fraud Lawsuit Under California Law

2008-02-25T06:00:00.000-08:00

Fraud Lawsuits in California

The various ways a victim can be defrauded are as limitless as the bounds of human ingenuity. But under California law, wrongful actions are generally characterized as civil "fraud" only under one of the following legal theories:

1. Intentional Misrepresentation. Probably the most common type of fraud is a false statement. But not every false statement is fraudulent. The elements of a claim for intentional misrepresentation are:

a. An intentionally or recklessly false statement of fact. Not every false statement is a false statement of "fact." Statements of opinion generally are not actionable. Sales talk, or "puffing" ("This is the best location in the county!"), is generally not actionable. However, if the defendant claims to be an expert or there are other reasons to expect that the victim would rely upon the defendants opinion as a statement of "fact," an opinion may be treated by the court as a statement of fact. Also, a statement need not be made directly to the victim. For instance, if the defendant made the false statement to a third person with the expectation that the statement would be repeated to the victim, the victim may have a valid claim for fraudulent misrepresentation.

b. Intention to defraud. If a representation of fact was intentionally false and a material part of the transaction (e.g., "this house does not have flooding problems"), it is likely the false promise was made with the intention to defraud the victim.

c. Reasonable reliance upon the false statement. The victim must have actually relied upon the statement to change his or her position (e.g., the victim would not have purchased the house if he or she knew the truth). The false statement need not be the only reason the victim changed his or her position, but it must be at least part of the reason. Also, the victims reliance on the false statement must be reasonable. If the victim knew or should have known the statement was false, the victim did not reasonably rely. The sophistication of the victim will play a role in determining whether his or her reliance on the statement was reasonable; e.g., a sophisticated real estate investors reliance on a representation about the qualities of a house may not be reasonable while an unsophisticated buyers reliance may be. Even an unsophisticated victim, however, "may not put faith in representations which are preposterous, or which are shown by facts within his observation to be so patently and obviously false that he must have closed his eyes to avoid discovery of the truth." Seeger v. Odell (1941) 18 Cal. 2d 409.

d. Resulting in damages. There must be measurable damages that were caused by the fraud. It is not enough that the victim was told a lie (e.g., "A famous movie star once slept in this house"); the victim must also be able to prove some type of damage resulted from the lie.

2. Negligent Misrepresentation. A claim for negligent misrepresentation is generally the same as a claim for intentional misrepresentation, except the victim must only prove the defendant did not have "a reasonable basis" to believe its statement of fact was true (as opposed to proving the defendant knew its statement was false). If the defendants false statement was both honestly made and based upon reasonable grounds, however, there is no claim. Punitive damages are not available for negligent misrepresentations.

3. Concealment. A claim for fraud may also arise if the defendant concealed or failed to disclose a material fact during a transaction, causing damage to the victim. The elements of a claim for fraudulent concealment are:

a. The defendant failed to disclose or concealed a material fact with an intent to defraud the victim.

b. The defendant had a duty to disclose. There is not always a duty to disclose facts during a transaction. If there is a duty, it generally arises in one of four different circumstances: (i) The defendant is in a "fiduciary relationship" (such as being a partner) with the victim; or (ii) The defendant took steps to hide important information from the victim (as opposed to simply failing to tell the victim); or (iii) The defendant disclosed some information to the victim, but the disclosed information is misleading unless more information is given; or (iv) The defendant is aware of key information and knows the victim is unlikely to discover that information. In addition, California laws may create a duty to disclose in certain transactions. For example, sellers of residential property in California generally are required to make written disclosures about the condition of the house.

c. The victim must have been unaware of the fact and would not have acted as he or she did if he or she knew of the fact.

d. The victim sustained damages as a result of the concealment.

4. False Promise. A claim of fraud may arise if a defendant entered into a contract and made promises that it never intended to perform. The elements of a false promise claim are:

a. The defendant made a promise.

b. The promise was important to the transaction.

c. At the time he or she made the promise, the defendant did not intend to perform it.

d. The defendant intended the victim to rely upon the promise.

e. The victim reasonably relied upon the promise.

f. The defendant did not perform the promise.

g. The victim was harmed as a result of defendant not carrying out his or her promise.

h. The victims reliance on the defendants promise was a substantial factor in causing the victims harm.

It is important to understand that a broken promise, alone, is not a sufficient basis for a fraud claim. More than a mere broken promise is required. The victim must also prove that the defendant did not intend to perform the promise at the time the promise was made. In practice, it is usually difficult to tell the difference between a broken promise and a promise made without an intention to perform. Courts generally look for circumstantial evidence to support a false promise claim (as opposed to a broken promise claim), such as the defendant broke its promise immediately after making it.

Characterization of a claim as fraud has many advantages to a victim; primarily, the victim may be able to recover punitive damages in addition to actual damages. Also, the measure of damages is generally more liberal under fraud and other "tort" theories, allowing victims a more complete recovery. But even if a wrongful action does not fall under the definition of "fraud," it still may lead to a valid legal claim. For instance, a broken promise - while not necessarily fraudulently - may still constitute a valid breach of contract claim. While punitive damages and emotional distress damages are generally not available for breach of contract in California, the victim still should be able to recover his or her monetary damages.

This article constitutes general information only and should not be relied upon as legal advice.

Michael Abney is a business and real estate litigation attorney in Orange County, California and a partner in Drosman Abney & Percival, LLP. An honors graduate of Harvard Law School, Michael has been a California lawyer for 19 years. You can contact Michael at http://www.DapLawyers.com or (949) 727-0880Electric Car News
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Let A DUI Lawyer Protect Your Rights

2008-02-24T15:13:00.000-08:00

The consequences of Driving Under The Influence, or DUI, charges are far reaching. The criminal justice system can be a complicated process and the penalties of a DUI are quite severe. You should be aware that in some cases, those convicted of a DUI are subject to significant fines, legal costs, court costs, and even jail time.

Every person facing this charge is in need of a good defense and protection of their rights. The reason you need to obtain an experienced DUI lawyer is that research shows that many individuals arrested and charged with DUI are not guilty because they haven't had too much to drink. While the State has a duty to enforce the law, persons accused of crimes such as driving under the influence are still innocent until proven guilty.

There are a number of opportunities to build a solid defense for these cases, as it was found that breathalyzer machines can often give false readings. Successful defense of a drunk driving charge requires specialized defenses. Attorneys that specialize in this particular type of case are best qualified to formulate your defense and protect your rights in court.

Who Gets Arrested for DUI

Statistics show that males between the ages of 16 and 24 are most likely to be arrested on DUI charges. Most individuals arrested are middle class working citizens. Sadly, DUI statistics also indicate that approximately one-third of those arrested are repeat offenders.

DUI Fines and Penalties

The penalties for DUI are different than those for DWI (Driving While Intoxicated), but are still severe and can result in long term negative consequences for you and your future.

The penalty for a first DUI offense can be limited to just a fine. However, the fines can vary and sometimes are very large. Also, in some states, fines may be doubled if a passenger under 16 years old is riding in your car.

But, depending on the jurisdiction, the penalty can also result in the revocation of your license, a criminal record, a short jail sentence, and/or public service. Prosecutors in many states have pressed for tougher penalties because many DUI suspects, especially repeat offenders, refuse to take the breathalyzer test. Unfortunately, these more severe penalties affect those who have been cooperative or have been wrongly accused.

For those who are repeat DUI offenders, you will generally face mandatory loss of license, jail time, and significant fines and court costs. So, just accepting the charges without a strong legal defense is a formula for personal disaster.

DUI Legal Defense

A DUI lawyer can help mitigate or reduce the charges and ensure that your rights are protected to the extent of the law. The plain facts are that many people arrested and charged with DUI are not guilty. Even if you have made statements at the time of arrest, they can be thrown out as part of the proceedings. A qualified DUI attorney will know all the details and the legal procedures involved.

The penalties for DUI are severe, and should be taken very seriously. Being found guilty of a DUI charge can have life-altering consequences for you and your family. So, think about it - can you afford to be without legal counsel? Not a chance!

Bill Wilson is a freelance writer for many online publications and newsletters. He is a legal researcher and consumer advocate. You can learn more about the need for a DUI lawyer and legal defense strategies by visiting http://www.attorney-assistance.com, where you will also find info on DUI fines, DUI defenses, DUI law and more. Mr. Wilson can be contacted at info@attorney-assistance.com.Dutch
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What Your Lawyer Does and Does Not Do

2008-02-23T23:33:00.000-08:00

Many people hire an attorney without really understanding what this person will do for them. Understanding what they do and do not do is important.

What Your Lawyer Does and Does Not Do

Most people have an image of attorneys based on what they see on the media. Whether the media comes in the form of dramas or talk shows with attorneys spouting off about just about anything, the image is generally incorrect. Simply put, most attorneys are just working stiffs like you and me.

The marching orders for you lawyer are to pursue the best possible result for you in the legal dispute. He or she is legal charged with representing you as enthusiastically as possible. Importantly, their role is not to get a just result. The system is set up so both sides should go nuts with the assumption being that justice will be done. Odd, but true.

It is vital that you understand this is the temperament of your attorney. For many people, legal issues can end up becoming bigger than they realize. For instance, your divorce attorney is charged with carving up your ex-spouse as much as possible to get you as much as possible. In the same vein, an attorney preparing a legal document for you is going to write it in such a way as to favor you as much as possible. If you are looking for a different approach, you must tell your attorney. If you want a fair divorce or an even handed contract, it is on you to tell them.

Another area that gets confused is what I call the ultimate decision. At some point in your legal matter, a major decision is going to have to be made. It could be whether to go to trial, whether to sign a contract and so on. The decision is yours and yours alone. An attorney will explain your options as well as the benefits and negatives of each option. At this point, many clients ask their attorney what they should do. The attorney will not give you an answer because it must be your choice. You are the party involved, not the attorney. Unfortunately, many clients take this as a sign the attorney is not helping them. This is incorrect.

Understanding what your attorney is going to do is vital to getting a result you are comfortable with. Unless you tell them otherwise, your attorney is going to go after the other side as aggressively as possible. If you dont want this approach, you need to speak up at the beginning of the case.

Gerard Simington is with http://www.findanattorneyforme.com - find an attorney online with our free directory.Electric Toy Car
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And Their Will Be Done

2008-02-23T08:25:00.000-08:00

An employee in the production ecosystem may be viewed in two ways, first, he can be viewed as a vital role player in the production process that without him no output can efficiently be had. Or, he may also be viewed, as a mere waste of office space, so redundant in fact that the loss of his services would not have any effect on the production process. In our day and time, with the advent of advanced technology, most of our labor are viewed in the latter.

After the Great Depression, which actually saw the downfall of the one greatest industrial revolution ever seen in the history of mankind, our business laws have given much leeway to the rights and individuality of employers. That is, they are given the independent hand in handling their business dealings, and in their relationship with their employees. Laissez faire paradigm that is the least government intervention is as of the present time adopted when it comes to the dealings of these business corporations.

Yet the adoption of laissez faire when it comes to business organizations is a two-edged sword. Although it brings about independence in our industrial sector, it also may lead to a degrading situation for the labor force in a production system. In our present time, the rule adopted is quite simple, business organizations abide with this business act known as employment-at-will doctrine. In a simple nutshell, the employment-at-will doctrine, operates in such a way that, absent an employment contract to the contrary, employment is actually presumed to be voluntary and it is also indefinite for both the employees and the employer. This placed in simple laymans terms means that, an employee may quit his job at his own instance, and may even be without proper cause in doing so. In much the same vein, an employer is also given the right to exercise their option of terminating an employees services whenever there is a need to do so, and also usually without a basis.

This is where the rights and privileges of an employee may be ultimately sacrificed and put to waste. With less and less government intervention particularly in the rights and privileges afforded to labor, we will actually see the day when these rights and privileges would no longer be spoken of.

Atty Gabriel Cosh is a legal advocate and a practitioner of law for over 10 years now. He is also an expert in the field of social legislation and personal injury cases.Rigger
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Foreclosure

2008-02-22T10:54:00.000-08:00

In todays climate of change any one can find them selves short on cash and as a result miss a few payments. This can result in a foreclosure process being initiated by the lender. If you ever find yourself in such a situation you should contact your lender as soon as possible. Banks and other lenders never like to miss payments but would rather know in advance. They also will probably want to know why youre having a problem and how you are planning to deal with the situation. They may even have useful suggestions. A Loss Mitigation Department might be able to help.

Some times a loan or a second mortgage is an appropriate solution, although under some conditions that might just make things worse. You also might want to consider selling your house before the bank does. That would be a pre-foreclosure sale and although you still have to pay back the loan you will probably be in a better position to do that. Another possibility to consider is whats called deed in lieu of foreclosure in this scenario you still owe the rest of your loan, but you will avoid foreclosure and save your credit rating.

Bankruptcy is sometimes used to delay a foreclosure this is not always a good idea. You may choose to use either chapter 7 or chapter 13 again depending on your individual circumstances. Bankruptcy may do more harm to your credit rating then a foreclosure and there is no guaranty you wont wind up with both.

Foreclosure Prevention Services exist that can help you determine which strategy is most appropriate for your state of affairs. When you cant pay the full amount owed without creating a hardship for your family you can get a legal review of your situation. You do have rights and choices, find out just what they are before making any decision that may have lasting effects on your ability to purchase land in the future.

Many people not facing foreclosure themselves are interested in the subject due to the fact that it may offer them an investment opportunity. In most cases these individuals are more concerned with making a profit than with performing a service and yet it may be possible to do both at once.

Those who are in danger of loosing their property due to foreclosure may actually benefit from an encounter with those seeking financial gain. There are web sites that specialize in bringing such individuals together. Almost any web search including the word foreclosure will yield numerous sites that fall into this category. If you are either about to be foreclosed on or have an interest in investing in foreclosure properties a search of this nature is probably a good place to start.

Jack Colton owns and operates http://www.stop-a-foreclosure.com Foreclosure InformationTeen Sex Position
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UK Bankruptcy Myths Exploded

2008-02-21T18:51:00.000-08:00

When you go bankrupt you end up in jail, lose your house and your car and you are thrown onto the streets to fend for yourself for at least 5 years and also if you own a company then forget it mate will lose the lot!

What did you feel when you read that statement?

'Yeah I thought it was something like that' is the most common thought or reply I come across. I state categorically that all the above may be, and usually is, wrong depending on your circumstances.

Surprised?

Let me tell you some more about UK bankruptcy. The British government went to find out why small enterprise was booming over the pond but not so much in the UK. When the report came back looking in depth on many areas the British government concluded, amongst other factors, that the USA is so enterprising because they had made it easier for individuals to go bankrupt and start again having learnt from their mistakes.

This was the precursor to the changes in the Enterprise Act which impacted the way personal bankruptcy is handled amongst many other areas of finance in the UK today.

At the time of writing, bankruptcy in the UK usually lasts for no more than 12 months. In fact many people are discharged in less than 12 months depending on the circumstances around their bankruptcy. That's one year or less in most cases! Previously the usually time for an individual to be in bankruptcy was 3 years.

All that said, bankruptcy is a very serious step to take. It is a very public affair and the event can follow you for many years. Even after the bankruptcy has gone from your credit history financial institutions in particular often ask if you have ever declared yourself bankrupt. Your membership in some societies and associations may also be lost.

What can't you do during bankruptcy

Well you didn't think it was all a breeze did you? There are a number of things you need to be aware of:

1) You can't ask for more than 500 of credit without first informing the lender that you are bankrupt. That's usually the point at which they start sprinting away from you in their rush to not get their fingers burnt. Remember a lender doesn't just mean a bank, it can mean friends and family. Even if you agree to buy a car off a friend and they say here take it now and pay me the money next week then you are in a credit agreement probably worth more then 500 and so you have to legally tell them about your bankruptcy.

2) You cannot be a director of a limited company whilst your are bankrupt. If you area one-man band or a sole trader, this doesn't mean you cannot trade as a sole trader. Yes, you get to keep your business assuming you haven't traded fraudulently but you do lose your limited company status in this instance.

3) You will lose certain positions of authority. Think councillor or accountant or high-ranking police officer. There are many more roles that are affected. Do check with a professional that your job is not affected if you do decide to go bankrupt. Some companies actually have a 'no bankrupts' policy in their employment contracts. It's time to read your contract again.

Other stuff to consider

There is an impact on your credit file for 6 years. This means there is a record of your bankruptcy on your credit file that can be seen by lenders and anyone with access to your history.

Your name will appear in the local newspapers under the bankruptcy notices section and the London Gazette.

On the day of your bankruptcy all your bank accounts are frozen by the Official Receiver (the person appointed by the courts to administer your bankruptcy). If you owe that bank money on the day of your bankruptcy then it is unlikely they will reopen your account. Any accounts in credit will see that money going to the Official Receiver to go towards repaying costs and debts associated with the bankrutpcy.

The really nasty bit that your friend down the pub forgets to tell you

One of the Official Receiver's roles in administering your bankruptcy is to look at your assets and disposable income and determine your ability to repay your debts. If you have disposable income available then you may end up paying a proportion of that to the Official Receiver over the course of 3 years under an income payment order or income payment agreement. This is a commonly overlooked fact by many a 'lay person' giving debt advice down the pub to a friend. It's can also be a costly bit of overlooked advice.

What about your house and car?

Well this needs to be understood and talked through with a professional but the general rule of thumb is this:

If you own a house then the Official Receiver will take an interest in that property even if it is in negative equity. You may even lose your house in some circumstances even if you have a wife and child at home. The Official Receiver will also be looking to realise funds from the car, caravan or any other valuable asset (anything of value really, start thinking about pensions funds with a cash in value, windfalls, endowment policies, valuable artwork, intellectual property rights, websites....etc.). And this is not just in the run up to bankruptcy. If you have a windfall during your bankruptcy period then that is liable to be made available to the Official Receiver administering your case and paid towards their fees and the losses of your creditors.

What about HP agreements?

HP agreements usually have a clause that if you become bankrupt then the asset (usually a car) must be returned to your HP company. As the car legally belongs to the HP company it cannot be sold off by the Official Receiver. If you are meeting your regular payments to the HP company and the Official Receiver deems that the payments are reasonable for your needs then a conversation with the HP company would be prudent at the earliest opportunity.

If you are going bankrupt for a second time.

The other changes to the Enterprise Act means that people going bankrupt for a second time will likely be made bankrupt for at least 5 years and possibly up to 15 years before being discharged.

Be aware and get proper advice.

Do get good advice from somebody that will guide you through the whole process and not just send you off in the direction of the local courts. Do sit down and get an experienced professional to go through everything in detail. Be aware of all the factors that will affect you if you decide to go bankrupt. Whilst this article is accurate, it cannot be used to replace advice from a professional organisation.

Ed Pearson is a Debt Dr. Debt Dr specialise in debt help and advice for individuals and small businesses. Ed can be contacted on 0845 123 4000 or in confidence on 07970 659266.

http://www.debtDr.co.uk 'prescribing life without debt'

This article does not constitute regulated advice. Please remember that any action regarding financial advice should always be taken only after considering the specifics of your own situation.

Ed Pearson is a Debt Dr. Debt Dr offer real debt help and advice throughout the UK, not debt management or debt consolidation. Just 6 solutions that really work. Japanese Proxy Server
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Reasons For Weight Gain

2008-02-16T22:10:00.000-08:00

Low Metabolism - Metabolism can be linked to
genetics, but it has more to do with how active
we are, and the amount of muscle tissue we have
compared with fat.

Our muscles actively burn off the calories that
we consume. They require more energy to work
effectively. If we are living an inactive
lifestyle, our muscles break down and they don't
burn the calories like they should. Therefore,
if our muscles are not breaking down the calories
we consumed, it gets converted to fat cells.

When we are not active, our metabolism decreases,
and as a result less calories are burned for
energy and more are stored as fat.

A more active person slows the decline of their
muscles mass and may even increase the overall
muscle mass, depending on activity, and then the
metabolism is higher. This makes it easier for a
person to lose weight.

How do you increase your metabolism?

* Exercise that helps build muscle, also helps
increase metabolism. Any exercise will help.

* Eat smaller meals more frequently. If you have
a small, healthy snack in between meals you can
actually jumpstart your metabolism.

* Don't starve yourself when trying to lose
weight. If your body has nothing to metabolize,
it will slow down completely. Then when you go
to eat, your body will have a very difficult time
breaking down food without it turning straight
into fat.

* One of the best low-impact exercises to do is
walking. Try walking for 30 minutes three times
a week. It will increase your metabolism
considerably.

* Make sure you eat breakfast. If you don't
start your day getting your metabolism going, you
could have a hard time doing it when you eat a
big lunch or big dinner.

How you eat - Your eating habits can play a huge
role in determining your weight. Do you eat
smaller, lean servings instead of gorging
yourself on your mother's world-famous spaghetti
and meatballs? What about how fast you eat? All
of these things have an effect on your ability to
gain and lose weight.

Here are a few tips on your eating habits that
can have a profound effect on your battle to lose
weight.

* High-fat, high calorie foods are tough on the
body, and it takes a long time to break them down.
You are at greater risk if you are eating foods
like this. Pastas with cheeses and or cream
sauces are an example of high fat and high-
calorie.

* Take your time when you eat - for a number of
reasons. First, your stomach takes time to tell
your brain you are full. You risk overeating
when you eat too fast. Second, if you chew your
food completely, the enzymes in your saliva aid
in the breaking down of complex compounds in your
foods, making it easier for your body to keep up.
It's also worth mentioning that the faster you
eat, the greater chance you have of building up
gas.

* Eat smaller portions more often. We discussed
this earlier, and you can boost your metabolism
by making it work in smaller session more often.
Also it helps when you eat smaller portions,
because you don't risk overeating and forcing
your body to keep up with your eating.

Your genetic makeup - Your metabolism may already
be determined for you by the genes your parents
passed down. But, this is NOT an excuse for not
doing what you can to raise your metabolism if
you have been passed down a slower one by nature.
Just as people with higher metabolism can lower
it by reducing activity and having poor eating
habits.

Many people who are overweight or obese will say,
"it's hereditary." This can be the case, but
your genes are just a small part of the overall
picture. They only determine whether or not
there is a likelihood of a person having a
predisposition for obesity.

Exercise - Everyone needs to get exercise. There
is no replacement for getting the heart pumping
and building up those muscles when it comes to
losing weight. But, not enough of us make the
time to get it. Exercise doesn't have to be
pumping iron at the gym or even taking a 10-mile
bike ride. Take your dog for a 30-minute walk
around the park. He will love it, and you will
feel better, too.

You've all heard the benefits of exercise before,
but they are worth mentioning again:

* You will feel better. Isn't that a good start?
Exercise rejuvenates the mind, body and spirit.

* Exercise rebuilds muscles and therefore
increases your metabolism. Remember muscles are
burners of energy and the more muscles the more
calories are burned.

* Exercise lowers stress. Studies have shown
that even 20 minutes of exercise, three times a
week can have a dramatic effect on your stress
level.

* Exercise burns calories. When we get further
into the book, and learn the process for losing
weight over the long haul, you will understand
why burning calories is so important. If you
burn more calories than you eat, then your body
starts burning the fat.

If you don't exercise on a regular basis, you
will gain weight. That is almost as sure as
death and taxes. Especially if you continue
eating at a rate where you would be packing on
the pounds if you did do some exercise.

Always remember that exercise can be any physical
activity - walking, cycling, swimming, sex -
anything where you are raising your heart rate
for an extended period of time. For some people,
that could even be working in the garden.

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Lose Those Last 10 Pounds with L-Carnitine

2008-02-16T06:47:00.000-08:00

How many times have you said to yourself "I just can't lose those last 10 pounds"?

If losing those last 10 pounds is your passion, then you will appreciate the benefits of L-Carnitine supplementation!

It's no doubt that weight loss and supplements are controversial issues in the fitness industry. The basis for true weight loss is proper eating and regular exercise. Supplements are beneficial for an added kick to super charge your weight-loss program. While supplements do serve their place in a fitness program, don't rely on them as the bulk of your regimen, they are a tool.

Of the many fat-loss supplements bombarding the fitness and weight-loss industry, L-Carnitine is one that I always found useful when trying to drop extra pounds. It can help mobilize fat so it can be burned more efficiently when your rotate your calories on the lower end.

L-Carnitine is an amino acid and may aid in fat-loss endeavors. Its main function is to transfer long-chain fatty acids into the mitochondria where they can be used to produce energy and burn fat. L-Carnitine can also aid in preventing fatty build up in the liver and heart.

Other benefits of the wonderful supplement are reducing triglyceride levels and improving muscular strength. L-Carnitine can also help lessen the nervousness and irritability associated with low carbohydrate eating plans. Additional advantages are suppressed appetite, increased energy, and reduced muscle fatigue. L-Carnitine can also protect against liver disorders, cardiovascular diseases, and diabetes.

Your body can make L-Carnitine if you receive proper amounts of the amino acids lysine and methionine. You also need suitable amounts of vitamin B and C, as well as iron. This can also be received through nutrition, from such foods as animal protein.

Those who exercise a great deal use a lot of L-Carnitine. Therefore, it needs to be replenished to prevent a deficiency. If you are not receiving enough of these vitamins, minerals, amino's through your diet you could possibly have an L-Carnitine deficiency, making those last few pounds stubborn to remove.

A lack of L-Carnitine can result in muscular weakness and low energy levels, as well as weight gain, and cramps. Long-term deficiencies can lead to diabetes, cardiovascular disease, obesity, and Alzheimer's.

Vegetarians are more likely to have an inadequate amount of L-Carnitine due to the lack of animal protein in their nutrition. Therefore, L-Carnitine is an excellent supplement for vegetarians.

Recommended Dosage

Liquid L-Carnitine is an easy way to receive the recommended dosage of L-Carnitine quickly. Supplement with 3 to 5 grams of L-Carnitine 20 to 30 minutes before cardio. Use L-Carnitine consistently for 6 weeks and then take 4 weeks off of L-Carnitine.

This product is absolutely safe. However, if you have a weak stomach, take it with a meal.

Since L-Carnitine helps to release fat more efficiently during cardio, provided your carbohydrates are not in excess, it is important that you eat foods of quality and exercise consistently. These factors are what make the fat burning process possible. L-Carnitine is the spark plug to get the fire burning!

Karen Sessions has been in the fitness industry since 1988. She is a nationally qualified bodybuilder and holds two personal training certifications. She has written 6 ebooks on fitness and has helped hundreds of clients transform their bodies. http://www.lose-weight-forever.com/Yoga Center
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Diet + Weight Control for Children

2008-02-15T04:11:00.000-08:00

Let your child know he or she is loved and appreciated whatever his or her weight. An overweight child probably knows better than anyone else that he or she has a weight problem. Overweight children need support, acceptance, and encouragement from their parents.

Focus on the health and positive qualities of your child. NEVER focus on the weight of your child.

Try not to treat your child differently if he or she is overweight. Instead, focus on gradually changing the physical activities and eating habits of your family.

Be a good role model for your child. If your child sees you enjoying healthy foods and physical activity, he or she is more likely to do the same now and for the rest of his or her life.

Realize that an appropriate goal for many overweight children is to maintain their current weight while growing normally in height. They do not necessarily need to lose weight.

CALORIE NEEDS FOR TEENAGERS AND CHILDREN:

Children normally need a certain number of calories each day (energy allowance). Their bodies use these calories as energy for normal daily activities (walking, breathing, etc.).

The approximate calorie-needs for boys are: from 2000 calories for a 7-10 year old, 2500 calories for an 11-14 year old, and 3000 calories for a 15-18 year old.

The approximate calorie needs for girls are: from 2000 calories for a 7-10 year old, to 2200 calories for an 11-18 year old.

HOW TO LOSE WEIGHT:

*Decreasing calories-in: meaning eat fewer calories, or

*Increasing calories-out: meaning burn more calories, or

*Ideally, a combination of both.

WEIGHT MANAGEMENT GOALS:

The first goal of weight management in kids and young teenagers should be to stop weight gain and maintain normal growth in height. This way they can GROW INTO their weight. To start, have your child eat healthier (about 500 fewer calories each day) and begin a program of regular exercise and physical activity.

Once your child has stopped gaining weight and is on a regular program of dieting and exercising, you can set further goals of slow weight loss, if necessary. Do so cautiously.

WEIGHT LOSS FOR CHILDREN & TEENAGERS - BEHAVIOR MODIFICATION:

It is important to modify the behaviors that have caused your child to become overweight and prevent weight loss, including:

LIMITING TELEVISION:
You should limit television viewing to about one or two hours each day (this includes playing video games or using the computer). Watching television encourages lack of exercise and exposes the viewer to fatty food commercials.

SNACKS:
You should limit snacks to two each day and they can include low-calorie foods, such as raw fruits or vegetables. Avoid using high calorie or high fat foods for snacks, especially chips, cookies, etc.

DRINKING:
You should encourage your child to drink four to six glasses of water each day, especially before meals. Water has no calories and it will help you to feel full. Other drinks can include diet sodas and lowfat milk. Avoid letting your child drink regular soft drinks or fruit juices, as they are high in calories (150-170 calories per serving).

DIET JOURNAL:
If you think it helps your child to improve his eating habits, (sometimes it does not) encourage him to keep a weekly journal of food and beverage intake. You should definitely encourage a teenager to keep track of the amount of time he spends watching television, playing videogames and exercising. You might also record your child's weight once a week.

CHECK FOOD LABELS:
It is not necessary to count calories, but you and your child should become more educated about the foods you eat and how many calories they contain. You should begin to routinely check the nutrition label of the foods that your family is eating. You want to try and eat foods low in calories and also low in fat. Be careful of many low fat or so-called diet foods, as they can still be high in calories even though they are low in fat.

CHECK FOOD SERVING SIZES:
Also, begin checking the serving size of prepared meals and snacks. A bag of chips might only have 200 calories, but you may be surprised when the serving size is only 10 chips.

WEIGHT LOSS FOR CHILDREN & TEENAGERS - EATING HABITS:

HEALTHY MEALS:
Your child should eat three well-balanced meals of average size each day. Serve fewer fatty foods. It is best to prepare foods that are baked, broiled or steamed, rather than fried. In addition to a small serving of lean meat, provide large servings of vegetables.

SINGLE SERVINGS:
Avoid serving seconds of the main course or desert. You can eat more salad or other vegetables if still hungry.

DESSERTS:
Serve fresh fruit as a dessert and avoid frequent eating of ice cream or cake or other high calorie foods.

GROCERY SHOPPING:
Buy low-calorie and lower-fat meals, snacks and deserts and buy low fat or skim milk and diet drinks. Avoid buying high calorie deserts or snacks, such as snack chips, regular soft drinks or regular ice cream.

EAT AT THE TABLE:
Avoid letting your child eat meals or snacks outside of the kitchen or dining room. And discourage eating while watching TV.

REDUCE FAST FOOD:
You should limit how often you allow your children to eat fast food, as it is usually high in fat and calories.

WEIGHT CONTROL FOR CHILDREN - EXERCISE SUGGESTIONS:

Be physically active. It is recommended that Americans accumulate at least 30 minutes (adults) or 60 minutes (children) of moderate physical activity most days of the week.

Even greater amounts of physical activity may be necessary for the prevention of weight gain, for weight loss, or for sustaining weight loss. Plan family activities that provide everyone with exercise and enjoyment.

Provide a safe environment for your children and their friends to play actively. Encourage swimming, biking, skating, ball sports, and other fun activities.

WEIGHT CONTROL FOR CHILDREN - HEALTHY EATING SUGGESTIONS:

*Follow the dietary guidelines for healthy eating.

*Guide the choices for your family rather than dictate foods.

*Encourage your child to eat when hungry and to eat slowly.

*Eat meals together as a family as often as possible.

*Carefully cut down on the amount of fat and calories in the eating plan your family follows.

*Do not place your child on a restrictive diet.

*Avoid the use of food as a reward.

*Avoid withholding food as punishment.

*Children should be encouraged to drink water and to limit intake of beverages with added sugars, such as soft drinks, fruit juice drinks, and sports drinks.

*Plan for healthy snacks. Stock the refrigerator with fat-free or low-fat milk, fresh fruit, and vegetables instead of soft drinks or snacks that are high in fat, calories, or added sugars and low in essential nutrients.

*Aim to eat at least 5 servings of fruits and vegetables each day.

*Eating a healthy breakfast is a good way to start the day and may be important in achieving and maintaining a healthy weight.

IF YOUR CHILD OR TEENAGER IS OVERWEIGHT:

The diet for you child should be safe and nutritious. It should include all of the Recommended Dietary Allowances (RDAs) for vitamins, minerals, and protein and contain the foods from the major Food Guide Pyramid groups. Any weight-loss diet should be low in calories (energy) only, not in essential nutrients.

Even with extremely overweight children, weight loss should be gradual. Crash diets and diet pills can compromise growth and are not recommended by many health care professionals.

Weight lost during a diet is frequently regained unless children are motivated to change their eating habits and activity levels for a lifetime. Weight control must be considered a lifelong effort.

A physician should supervise any weight management program for children.

Chris Chenoweth, author of the DO-IT-YOURSELF HOME, HEALTH & MONEY GUIDE (http://mysiteinc.com/djtrevayne/guide.html), writes articles pertaining to nutrition, health issues, and household budgeting.Howard Machine Sex Stern Video
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Kissing Girls Made Easy

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Kissing girls: It's meant to be fun. If you're nervous about kissing women, or see it as only a gateway towards sex, you're missing out. In fact, the more you take your time with kissing and truly enjoy it, the more chances you have of enjoying physical intimacy with a girl. So let me show you how to kiss girls--and enjoy it!

If you've never kissed before, the best thing you can possibly do is RELAX. It isn't a big deal if you muck up your first kiss! Girls are very understanding, and you can actually laugh about it. I know so many couples who joke about their first kiss. The first kiss most people have is an awkward one, so girls will forgive you if it's not perfect!

Next, learn proper kissing technique. That means knowing how to move in for the kiss, controlling your tempo, kissing for affection, and kissing for intimacy. There are lots of websites out there, but I like this site the best for kissing girls the RIGHT ways. You'll get pictures and everything about what's right and what's wrong.

I'm going to cover two particular areas of kissing in this column: kissing for affection, and kissing for intimacy. First let's talk about kissing for intimacy. Say you're on a date and want to move things to the next level. The best way to do it is to talk about how you'd like to kiss her. As one guru, Craig, says, "Talking about sex is the first step towards having it." Likewise, talking about kissing is the first step towards actual kissing. It will relax both of you and, if said in a relaxed, confident, NOT desperate tone, can really excite a girl. Once you do get to kissing, kiss with passion: don't half-job it! Use your arms, your body: press into her, touch her face with your hands, stroke her hair. All these things show you're serious about intimacy and want her in the worst way.

If she pulls in, you're doing great. Pulls back, just slow it down. Just because she doesn't do it with the same passion as you doesn't mean she wants it. A lot of times girls want to take things slower than guys. That's fine: match her tempo. Kiss her on the neck, the cheeks, all over. Eventually that will warm her up. When she starts to get into it (moaning, moving closer to you, grabbing you back), you can start kissing her in her erogenous zones all over the body. Remember, kissing isn't just on the lips! If you really want to get intimate, kiss her below the neck--on her thighs, on her hips (very sensitive area!) and even on her feet. Not to mention the obvious areas. :) This should guarantee you a great night.

But kissing doesn't end with sex! Too many guys make that mistake. Sex is only the BEGINNING of the kissing stage! As you're performing, remember to kiss her all over her body, particularly on the neck and breasts. Show that you're not interested just in a quick act--you want to be passionate and intimate, as well. Kissing achieves this purpose, and will make the girl eager to do it again!

For affection, kissing is the best. As I say in my e-book and audio articles, women LOVE surprises, so nothing shows you love your girlfriend (or wife) like a surprise, spontaneous kiss out of nowhere! She'll love it, and thank you for it. She'll also reward you for it, by staying with you and treating you great. Happy wife, happy life! The same goes with girlfriends. Don't be surprised if she starts bringing you breakfast in bed, buying you presents, acting a lot nicer, when you give her lots of kisses out of nowhere, just to remind her that you love her. This works!

Remember, kissing is meant to be FUN. Once you see the fun and enjoyable side of kissing, you'll surely want more and more. As an old Chinese proverb goes, "Kissing is like drinking tea with a tea strainer: you can never get enough."

For more great tips on how to kiss girls with ease, simply visit:

http://www.kissing101.net

James Brito, bestselling author of "How to Be Irresistible to Women" and "The Art of Impressing Women," regularly explores topics of female attraction. Since 2000, he has helped thousands of men around the world build confidence and get the women they deserve. To get his free six-part audio mini-course, visit: http://www.000relationships.com/towomen/Variable Universal Life Benefits Of
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How to Keep any Relationship Healthy What to Avoid

2008-02-14T07:05:00.000-08:00

With all of the advice out there on how to rebuild your relationship, why not look at tips to keep your already healthy relationship in tact? There are plenty of things that you should avoid in order to make your relationship with your wife or girlfriend from unnecessary miscommunication as well as arguments. In fact, these tips can help you in every relationship that you have read on.

DONT be right all the time

Theres nothing more frustrating in a relationship than a person who insists that they are always right. No one is right all of the time, and its time that you realized that. It takes a much stronger person to admit that they were wrong than it is for someone to not admit that they may have made a mistake. Dont be the know it all.

DONT refuse to apologize

You will have something that you need to apologize for at some point, even if you dont think that its a big deal. When you allow your partner to hear that you are sorry about something, you allow them to see that you are willing to move past something in order to have a healthier relationship. And even if you dont think that you are wrong, apologizing is a great way to start fixing the situation instead of making it worse.

DONT know the other person better than they know themselves

If youve ever been in a fight or a discussion when another person has claimed to know what you want, doesnt that feel upsetting? You want to avoid doggedly trying to prove that you know more about the other person than they do because that just isnt the case. Take the time to consider their feelings and thoughts when they tell them to you. To not let them have a say is to make the conversation one sided.

DONT assume anything

When you start to assume something, you start to chip away at the truth. IF you want to know about something, the other person is going to have to tell you what you need to know. Assuming that someone feels a certain way or that they want you to do a certain thing is only going to set you up for possible problems. Assuming is really just guessing.

DONT rub it in

If you do find out that you are right about something, you dont want to constantly rub the fact in long after the discussion is over. Your relationship isnt about someone being right; its about the two of you being happy. If youre right, youre right, but then you need to move on. Your partner will not appreciate being reminded that they were wrong.

DONT put your priorities first

While you both want to have your needs and wants addressed, when you try to focus more on your own needs than your partners needs, you will be seen as selfish and uncaring. A relationship means that you are putting someone elses needs before your own, and in doing so, allowing your needs to be fulfilled as well. Seek out their needs to see how you can compromise to make both of you happy.

DONT interrupt them

When youre trying to make a point, you might feel that your words are more important than theirs, but this is not helpful. If you are interrupting what someone else is saying all the time, two things happen: one, youre not hearing what they are saying, and two, you are showing that your opinions are more important than theirs. Instead, stop yourself and make a mental note to bring up your point when they are finished.

DONT make promises you cant keep

You arent going to be perfect, but when someone is counting on you to help maintain a good relationship; you need to be able to hold up your part of the bargain. This means that you need to be able to make promises that you can keep. And when you do make a promise to someone, they need to be able to expect that you will follow through every time. If you cant make a promise, then let them know that you will try your hardest, but that you can not promise it. This allows them to have realistic expectations of you.

No relationship is perfect, but there are plenty of ways that you can keep it from becoming unhealthy.

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How To Increase Targeted Web Site Traffic

2008-02-12T08:36:00.000-08:00

Increased targeted web site traffic means more chances of generating sales, leads and interests. There are multiple ways of driving traffic to your site. Some work and some don't. In this article, I will teach you the ultimate secret to skyrocket your targeted website traffic.

Before I reveal the secrets to generating traffic, I need to tell you the fundamentals of website traffic. Basically there are four types of traffic source:

You can buy traffic

This may include things like pay-per-click search engines such as Google Adwords and Overture. You can also buy banners and text links from high traffic websites.

You can create traffic

This may include things like writing your own articles, starting an affiliate program, creating a blog etc.

You can borrow other people's traffic

This is where you use other people's traffic using leverage. It could be through viral marketing, joint venture, place ads on ezine/newsletter.

You can steal traffic

This is where you get traffic unethically by using spyware etc. I will not be talking about this type of traffic in this article.

Without further delay, let's get started. One of the most common questions I get from people these day is "where are the best places to buy traffic?". My answer to them is pay-per-click search engines. This is the first secret to generating traffic. The traffic you get from PPC search engines is usually high-quality and laser-targeted. I usually use this as my number one traffic source to test out my website, because if my website cannot covert high-quality visitors into buyers, then so is the same for other sources of traffic, even if it's free. You will just be wasting your time and effort.

The second secret is purchasing banner ads. Banner ads got a poor reputation after the dotcom boom busted. That is why most marketers stay away from banners. But in fact, banner ads are proven to be one of the most effective ways to bring quality traffic, and it is the most overlooked source of getting traffic. Also, banner ads are dirt cheap. I can still remember that during the dotcom boom, banner ads soared to prices such as $100 per 1000 impressions. Now, you could get them for just a few dollars.

Another overlooked way of getting quality traffic is purchasing existing websites. This is the third secret I want to teach you. Existing websites are usually established, and have a steady flow of traffic. The websites you should be looking for are sites which have high traffic, but the owner hasn't found a way to monetize the traffic.

The forth way to increase your targeted traffic is through search engines. When people go online to look for information, 95% of them go to search engines. By making your website content rich, your search engine raking will go up. However, most people end up wasting their time with search engines.

The fifth way is by creating your own traffic. This involves things like writing articles and submitting to article directories, creating a content rich blog, starting an affiliate program where you motivate webmasters to send you traffic. I will go into more details with this in my free 7 day mini-course on "How to Dramatically Increase Your Targeted Traffic" at http://www.increasetargetedwebsitetraffic.com

You can also joint venture with other people. This is a excellent way to increase your traffic, as it is a win/win situation. You send proposals to potential joint venture, and kindly ask them to promote your product. You split the profit, and your JVs will start sending you traffic to your website! You can also exchange links or ads with your JVs. You place your link on their site, ezine or newsletter, and they place their ad on yours. If you get rejected by your JVs, so what? They could have said yes, and that could have mean an extra 1000, or even 10000 unique visitors to your website. Never be afraid to ask.

That's it. Remember, take action and you will soon see your traffic dramatically increase.

Stanley Tang is an internet marketer. You can sign up for his free 7 day mini-course on How To Dramatically Increase Your Targeted Traffic at http://www.increasetargetedwebsitetraffic.com.Jeep Ohio Sidney
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How to Make a Photo Collage

2008-02-11T06:21:00.000-08:00

Making a digital photo collage is not as difficult as one might think. Its really very simple with most photo editing software. It just takes a little time and patience. Even basic photo editing software that normally come with the purchase of a digital camera or printer. A very good photo editing software is PhotoShop Elements and older versions of it, which are perfectly fine, often come included with a new digital camera, printer or scanner.

Photoshop Elements 2.0 is the software I have used for my step by step guide, How to Make a Photo Collage.

The basic steps in making a collage are simple. The first step would be to open a blank document in your photo editing software. Your blank document should be the size you want your finished photo collage to be, example, 8x10 and of a resolution of 300 for good printing quality.

Next choose your pictures, keep it to about 10 pictures or less to begin with, till you are used to working with a lot of pictures so as not to be overwhelmed. Open them and drag them into your blank document.

Next resize the pictures as necessary. A tip, hold down the shift key as you drag from a corner to resize the picture, holding the shift key will keep the proportions of the picture so as not to distort the image. You can resize back bigger or smaller as needed as you work to decide the layout o the photo collage. Move the pictures around to see what looks letter where, try to create some balance, perhaps choose a focal picture to place in the middle and be larger than the others. But the focus does not have to always be in the middle, see what works best with the pictures you are using.

Now comes the most difficult part, the blending. For this we use the eraser tool. Choose your eraser tool and the size you want based on the size of your pictures. You want a blurred edge eraser for better blending. Erase the hard edge on each picture first then one by one, blend into each other, resizing the pictures where necessary. This is not something that can be taught, you have to just jump in and try it, if you make a mistake you can always delete the layer of that picture and open the picture again and drag it back in and try again. Use the step backward tool as well to undo any mistakes when you can.

Youve made a photo collage, time to look around and make any final touches and adjustments. Save your document as a PSD, the default Photoshop Elements file type and then save it again as a jpeg so you can print and/or share it. Keep the PSD file in order to make any changes to your photo collage as you cannot change or adjust the jpeg file, it is just a copy.

See, was that so hard? For an illustrated step-by-step guide you can print and use to help you along the way please visit my website.

Barbara Ryan operates Cherish Collages, a business dedicated to creating unique personal keepsakes and gifts from digital or scanned photos. Http://www.cherishcollages.com , Blog: http://cherishcollages.blogspot.com Joey And Norman Jay
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How To Keep Your Python Happy

2008-02-10T04:27:00.000-08:00

Once you decide on owning a pet python, you want to learn more about what your pet is like. Starting from what it feeds on to habits of the reptile. It is important to know about a python's behavior patterns and how to keep your pet happy.

In the wild, Pythons roam the jungle; their skin provides a perfect camouflage. They are excellent swimmers and swim in search of prey or stalk in water.

Like other wild animals Pythons don't know how to exhibit their happiness to humans. With experience though, you'll be able to notice anything 'out of the norm' for your python thru its body language ... signs that it may be feeling sick or uncomfortable, though this will be a little difficult to see at first.

The two most important things you can do to make your python happy have to do with the SUN and SWIMMING.

The Sun

Most pythons enjoy basking under the sun. Therefore, if you provide your pet a good hide box and a heat spot, it will use the hide box to rest most of the time, or just coil around the heat spot basking. A warm python is usually a happy python!

Swimming (exercise)

Given the narrow confines of the cage we provide them, pythons don't get much of the exercise they would otherwise get in the wild forests.

The best exercise for pythons is swimming. True, it is not possible to take the python to a swimming pool or an abandoned pond for security reasons.

But you can use a kiddy pool or a large plastic tub to create a python swimming pool.

Just fill the pool or tub with warm water and let your python in it. You will watch it move around happily, keeping its head above the water.

Make it a point to clean the tub or kiddy pool with disinfectants every time.

Swimming is definitely one of the best ways of entertaining your pet python.

Other ways to keep your python happy

Mating your python when it is ready is also another important way you can make your pet Python happy.

The above is an excerpt from the free newsletter on "Python Secrets" published by Geostar Publishing & Services LLC.

To subscribe to the newsletter, click on the link below:

http://www.pythonsecrets.com

Here's to a happier pet-owing experience!

Jessica Harrison
Geostar Publishing & Services LLC
6423, Woodbine Court,
St. Louis, Missouri,
63109, USA

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How to Drive Safely in the Australian Summer

2008-02-09T02:38:00.000-08:00

A quick check-up can help prepare your car for the stress of high temperatures in the Australian summer and increase its reliability on road trips, whether they are long or short. To look at the range of new cars available at present log on to OzFreeOnline.com and browse the auto classifieds. Firstly, plan trips well to avoid unnecessary driving in extreme heat.

TYRES

To help prevent dangerous and inconvenient tyre failure, examine tyres for uneven or excessive tread wear. Make sure all tyres, including the spare, are properly inflated and in good condition.

BELT, HOSES, AND FLUIDS

With the engine off, look for worn or cracked belts and damaged blistered or soft hoses. Inspect the antifreeze/coolant level and condition, making sure the proper 50/50 mixture of water and coolant.

MOTOR OIL

Check motor oil level and condition. If driving under extreme conditions, such as very hot temperatures or towing a heavy trailer, switch to motor oil with higher viscosity. Check the owner's manual for specific oil recommendations.

AIR CONDITIONING

A properly working air conditioning system also helps motorists keep their cool in summer heat.

When you run your air conditioner, you get much worse petrol consumption. Use your air conditioner sparingly. If you have a lower setting, use it. Turn it on until the car gets cool, then turn it off, and let the fan circulate the cool air. Never run your air conditioner with your windows open.

If needed, have the air conditioning serviced by a qualified technician. Do not use non-approved substitute refrigerants.

EMERGENCY KIT

Because even properly maintained vehicles can break down, and you only want the best used car in Australia, check OzFreeOnline.com and you'll find free car listings that may help your search. In any Australian condition, RACV and the NRMA advise motorists to equip their vehicle with an emergency kit, containing at least the following items: A torch with extra batteries, warning devices such as flares or reflective triangles, jumper cables, a first-aid kit, extra water, and a mobile phone to get emergency assistance quickly.

You see, driving with precaution doesn't only keep you and your loved ones safe, it also lets you enjoy the scenery and enjoy the ride better!

____________________________________________

Want the Best Deals in Australian Used Cars?

Check out http://cars.OzFreeOnline.com , Australia's revved up free used cars classifieds. It's free to register here, free to post your used car for sale ads, and free to look around!

Save on gas! Let your finger do the walking at OzFreeOnline!

Barbara Thorp is an article contributor for http://cars.ozfreeonline.com Papa
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How To Overcome "Information Overload"

2008-02-06T23:02:00.000-08:00

Cast your mind back, before you first decided throw your hat in the ring to create an income with Internet Marketing. Like most of us, all you started with was an open Page on your desk top monitor, an empty email Inbox, and a strong desire to make money on the Internet

Using the age-old Trial and Error system, perhaps you began to discover a whole menu of self help how to e-zines and must have reports. For most, they simply contained similar information on Internet Marketing served up as a different dish, but to be fair many did warn you of the dreaded Information Overload, with lurid stories of empty bank balances , maxed out credit cards, and minds full of irrelevant information, and ending up no nearer to their goal than when they first started. Maybe you thought to yourselfHow can these chumps fall into such a stateand end up with no success?,

Fast forward, - Your email inbox is overflowing with the latest Guru promotions, that you must download immediately or you will crash and burn!!. With one hand they offer Freebies and Gifts of all sizes while the other hand tries to open your wallet. As you struggle to resist and pry their fingers away, you discover there are three other sets already in there!!!

Just as you vow never to download another product, another tasty titbit arrives and takes you on another fantasy journey of wealth and success. You discover that you are downloading projects and information on Internet Marketing techniques that you already bought months ago, and didnt have the time to read

You are now struggling to pay of your plastic, while juggling your monthly outgoings. Your mind feels as soft as a marshmallow, full with so many strategies and formulas that you just cant seem to format any of them. And your still chasing that one Secret thats going to make the big break through to your Internet Marketing Success. If you recognise that profile? Welcome to Information Overload

Some clever or lucky people will never have undergo this part of the education curve, but for us mere mortals, it seem we have to suffer before we are able to see the light at the end of the tunnel Maybe you have reached the stage where you have to say STOP I want to get off!!!

This is what you have to do. Focus on exactly what you want and ignore what you dont want. Forget the million dollar programs that promise Free Money with no impute. Thats dreamtime. Concentrate on Reality! Choose one program or product, and then decide how you are going to market it.

You may already have this knowledge, stored away in the numerous reports and ezines gathering cyber dust on your system, but heres a quick synopsis of what is needed.

Take Paper and a Magnifying glass. If you hold the glass in the same place between the paper and the sun soon you will have a raging fire. But a moving class will not even make a scorch mark!

Open a Folder on your desk-top called Working Folder and place in it only the product and marketing tools that you are currently using. Keep it un-clutted and only add other tools as and when required

Focus on your chosen advertising method, until you're "comfortable" with it - and have sufficient experience with it. Only then should you consider moving on to the next technique (trying to "master" and apply too many techniques at once will only lead to more frustration!).

You may find that one or two advertising methods are enough to supply you with all the traffic your business needs - if not, you can continue mastering and applying the techniques of your choice one-by-one until you've reached your desired level of traffic and income.

The Internet is simply a World Wide Market place. You have to get your information out there and show them the way to your store. You need to focus on Quick Cash and Long Term Wealth Strategy

This is not the place to go into details on all the Internet Marketing strategies that are available to you. Theres nothing new in the above recommendations and Im sure you have a kaleidoscope of information on each subject. Go look for it, or else use the net to acquire this information.

Or else check the July edition the wealthbuilder-Bulletinboad, or among the back issues. Im sure you will find some essential Internet Marketing Tools there to help you

The point I am making is forget all the distractions and focus on one product and the means to promote it to billions of potential customers on the World Wide Web, and I promise you, like the Paper and Glass theory.you will succeed

To Your Success

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How to Tell if You Have Chemistry With The Love of Your Life

2008-02-05T20:56:00.000-08:00

When youre attracted to someone, you might realize it right from the start. They make you feel special or they make your face curl into a smile each time theyre around. You cant explain it, but you can feel it right into your toes. But are these feelings enough to tell if you have the right chemistry or not? Heres what you should be looking for:

How do you feel when they are around?

Whenever you are around a certain person, take a personal inventory of how you feel. Are you happy or are you less than happy? Try to figure out how you are feeling each time they walk into the room. Are you excited to see them and feel anxious to talk to them and be in their presence? The more positive you feel about the way this person makes you feel, the more chemistry you will have.

How do you feel when they are not around?

You dont want to feel like you cant go on, but do you feel like something is missing when the person in question is not around? Do you somehow feel like youre not having as much fun as you could if they were? When the person isnt around, you should be feeling a little less than happy. You might feel like you want them to be around you right then and that everything would be better if they were with you.

How do they feel when youre around?

This is a trickier thing to measure as you can never really tell what someone is feeling unless you ask them. But there are subtle clues a person may be giving off that can show you whether they enjoy your company or not.

Open body language If they are trying to face you to talk to you, keeping their arms uncrossed and not crossing any other part of their body, it shows that they want to remain open to you and to whatever you are saying. This is a good sign that they are attracted to you.

Eye contact While the other person shouldnt be leering at you, making direct eye contact when they are speaking to you and when they are listening to you is a great way to tell if you have chemistry or not.

Increased pupil dilation This is a little harder to tell, but if youre making eye contact with them, you will see that this happens. The black part of the eye will become bigger when a person is excited to talk to someone that the like. It might not be tremendously different, but it will certainly change in size.

A relaxed expression Not everyone will grin from ear to ear when they talk to someone they like, but they should seem relaxed and calm when they are around you. Their face should not be stiff or strained. When you see crinkles around the eyes, this is a sign that the person is relaxed as they look at you.

What are they saying to you?

Chemistry can also be seen in the way that someone talks to you. People that are positive about their lives when they talk are generally feeling positive about the person with whom they are speaking. Subliminally, they are trying to show that they are a good person, so they are only showcasing the good in their lives.

Other things that you can look for include:

A tendency to make plans When youre talking to someone and theyre already making plans for the two of you to see each other more or do something exciting down the road, this is a sign that they want to spend more time with you.

Attempts at humor Not everyone is as funny as a comedian, but when someone tries to be humorous with you, its a sign that they want to make you happy and that they really want to please you. Of course, being fake in trying to be funny can go over badly.

A touch when they are talking No matter what they are saying, if someone tries to touch you when they are talking with you and it doesnt have to be anything more than a quick touch it is a sign of good chemistry between you, especially when you dont turn away from the touch.

Good chemistry is hard to find, but when you find it, youll know.

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How To Hide A Pregnancy

2008-02-04T18:31:00.000-08:00

For most couples, the joy of parenthood is the absolute delight. The birth of a new life, as it goes in the realms of hearsay, settles the foundation for ever-growing love in the lives of the parturient duo. But from the moment the pregnancy test or PT, as it is referred to in the common linguistics, comes out positive, the mother is more worried about the tummy pushing out of limits than anything else around her.

People expect a pregnant woman to be full of joy and be blooming at times, always looking forward to when that little angel would come to life, but it isn't that easy to hide nasty feelings creeping into your mind. Of all the thoughts that flood into an expectant's mind, one that lingers a while is 'how to stay fit' or 'how not to look pregnant'.

For first-timers though, the joy is too overwhelming and 'showing' occurs later. But, for ones that have gone through the process of birthing a child before, worries lie not so far off. Hormonal changes in the body tend to make the person a bit low and lazy oozed with tiredness and nausea. With such emotions treading into the bearer's head, they would prefer a cozy place to rest themselves upon all day long rather that to do exercise.

Here are three tips that are recommended for mothers-to-be to help hide their pregnancy:

1. Exercise: Do remember that the exercise is the key to staying fit and healthy. A brisk walk would always do more good in your baby's and your favor.

2. Eat healthy: Eating nutritious and healthy food not only ensures the birth of a healthy baby but also help your baby fight out the various post-natal diseases. A good metabolic rate is a better indicator that the mother and child are healthy.

3. Catnaps are not bad but slumping on the sofa is: Pregnant women get tired more often because of the enormous amount of hormonal processes occurring inside their body. Catnaps are good to doze off the lazy afternoons but slumping onto the sofa in front of a tube might do you no good and would cultivate more fat to your belly.

Suzan, 31, is a mother of an eleven month old boy, living in West London and is expecting another baby. The constant upsetting moments of handling a tot alongside her normal daily routine is becoming a nightmare for the lady, who herself happens to be a general practioner. She knows she should not burden herself with the toddler's tantrums. "Most of my day is spent either cleaning up the mess my child makes or arguing with my husband that he should be more responsible of the child," she says.

These constant upsets make a woman low and tends to bring her energy levels down to zero. She'd feel tired and exhausted, bringing her to a state where her fitness is always at stake. Pregnancy puts a woman at the receiving end of a lot of advice and mostly criticism as well from the others around. But in the end it is always important that you do what you presume is right for you. After all you are the one holding the baby.

Pregnancy is nonetheless a moment to cherish with your partner, a moment to live, a moment to rejoice, because at the end of it all lies the most wonderful gift you could have in store for him. Don't think of pregnancy as a burden rather think of it as a beautiful gift lapped into your womb.

Gen Mason is a loving mother of 2 beautiful children. To learn about losing weight during and after pregnancy go to http://www.pregnancy-without-pounds.com.Grant Information Pell
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Learn How To Write A Screenplay That Actually Gets Made!

2008-02-03T15:54:00.000-08:00

Almost everyone thinks they know how to write a screenplay. Weve all heard someone watching TV saying I could write a better script than that!

The truth is that just about everyone does have a story worth telling. Unfortunately most do NOT know how to write a screenplay.

Most professional artists are very particular about their tools. The screenplay writer is no different. The key to writing is being organized. Before even writing a single word, you must have an inner road map that your characters are going to follow.

If you are writing a novel, you CAN take the time to ramble and develop your descriptive talents. A screenwriter cannot!

Just like any muscle, the writing muscle has to be exercised on a regular basis. The simple process of sitting in front of a computer for set periods of time is critical in training the subconscious that THIS time is when you are going to call on your creativity. In order to learn how to write a screenplay you have to understand STRUCTURE. Unlike a novelist, you do not have the luxury of allowing your script to develop into 300 plus pages. It will not get read if it does not conform to an industry standard of around 110 pages.

The structure of most contemporary screenplays: 1) Establish the character and general situation, 2) force them up a tree and throw rocks at him and 3) get the hero down again.

Firstly: you get the audience to know something about the character and his situation.

Secondly: a situation must be created that goes against your characters comfort zone. He must have a nemesis trying to destroy everything he stands for. This bad guy takes pleasure putting your hero up that tree and making it as uncomfortable as possible.

Thirdly: our hero needs to overcome all odds and payoff the bad guy.

If it really is that simple, then why isnt everyone a screenwriter? The answer is they do not know how to write a screenplay.

So let us say that you have a clear idea of what your three acts are going to be. Well now you begin to develop the characters. They have to play off each other and either support or destroy our main character. Any time the characters are neutral, the screenplay is dead. Just remember: conflict equals drama. No conflict, no drama.

So what does it take to become a screenwriter, besides learning how to write a screenplay? It takes discipline to sit at your workplace, even when you are not sure what you are going to write. It takes having a thick skin, so that when the inevitable rejections come, you do not BELIEVE in their judgment as to your potential. It takes major BELIEF in yourself. But MOST of all it takes LUCK!

The film industry is littered with great scripts that never got made. - Directors fall out with producers. A great idea yesterday turns into a pariah today. The studio that WAS going to make your picture has changed hands and the new studio head wants to stamp his own directorial policy on his new position and you were chosen by the previous head! There are a million legitimate reasons why Hollywood should not immediately fall at your feet but YOU are going to overcome this. If you do not believe this, then do not even attempt to learn how to write a screenplay! If you DO believe in yourself, then hey why shouldnt you be the one that gets lucky?!

So yes, learning how to write a screenplay isnt so difficult. The difficult part comes AFTER you have written the screenplay.

Richard Patton is the CEO of http://www.pitchmyscripts.com , the UNIQUE system for pitching screenplays directly to Hollywood. Whether you are a writer looking for the best screenplay writing software or simply trying to learn how to write a screenplay, you will find all the information you need . Having worked on movies from "Cliffhanger" to "Max Headroom" , Patton has a unique insider perspective on what works!Tonterias
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How To Take The First Steps With Autoresponders

2008-01-24T17:13:00.000-08:00

One of the most effective forms of low-cost Internet marketing is using email to reach a targeted audience. Whilst email marketing has undergone changes over the years, in particular, the outlawing of spam email, it still has great appeal and is one of the most widely-used internet marketing techniques. It's quite simply the best way to keep in touch with your customers on a regular basis on autopilot. Providing you respect the spam laws and use email properly, you will have a trouble free email marketing business.

Email marketing is more commonly associated with the use of an autoresponder service which allows you to import your email messages into the autoresponder and send them out to your customers at a fixed date and time - you could have a series of messages sent over a period of weeks, months or even years, if you wanted. The exciting thing is that once the autoresponder has been set up, that part of your business will run hands free, allowing you to concentrate on other important things.

The costs associated with an autoresponder vary considerably from free up to $100 a month. Try to avoid free autoresponders where possible, although they are free they come at a price! The price being the restrictions on usage and the fact that they will nearly always carry an advert of some sort on your message which can distract your recipient from the real reason why they have received the message. Also, it isn't necessary to pay a silly price for an autoresponder, big companies may want to pay top price because they can afford to but as an individual, you do not need to. Excellent, cost effective autoresponder services can be obtained from aweber.com or getresponse.com. These are web based programs so they will work for you 24/7.

You could of course, use a desktop based autoresponder such as Mailloop. This type of program is a software application that is installed on your computer and it allows you to manage your email campaigns from your desktop. You just have to be aware that you will need to leave your computer running all the time or else you will not be able to receive or send emails automatically. But it's a great way to have a series of autoresponders for a one time payment and no recurring fees.

So, having decided on using autoresponders for your email business, what do you do with one? Well, building up a customer database should be a priority so initially you will want to create a form for your website that allows potential subscribers to insert their details and when they agree to subscribe, they are automatically enrolled onto an email course that you will have loaded into the autoresponder. The course can as long as you want it to be and sent automatically over a period of time - this is where the automation of your email business will come into its own. It is essential that any information that you send to your subscribers is of value and instructive. It's no good sending rubbish, you will lose your subscriber quicker than you got him! Quality email courses that you could use can be found in the Turbomembership.com.

If you offered a 14-day email course on internet marketing for example, then you could provide links to various marketing ebooks or resources. In each email would be a link to a different ebook. Of course each link would have your unique affiliate code. The unique Turbomembership.com affiliate program provides quality marketing ebooks and software scripts that you can re-sell at 95% commission.

This is just one of the many ways that you can use autoresponders in your email marketing business. Finding and using the right autoresponder service, setting up your autoresponder and loading it with quality information is just the tip of the iceburg where marketing is concerned. But it's a good place to start and gain the necessary experience for future marketing projects.

Ian Simpson reviews and writes about software and informational products on the internet. Great marketing resources can be found at http://information4income.com/sfpr.Chain Saw Sharpening
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How To Initiate A Distance Education Course: A 9 Point Mini-Guide

2008-01-23T15:11:00.000-08:00

How to initiate a distance education course? That's the question you may be asking yourself if you've come to the conclusion it would be a good idea to get qualifications in a particular area, or maybe just increase your knowledge of the subject, but you've no idea how to get started.

Here are nine general points to cover:

1. Have a think about what it is you want to achieve, and make a list. It's okay if it only consists of a single line, such as Learn to make French sauces.

The reason for doing this is to avoid picking a course you don't really need. For example, you might want knowledge on how to sell your house without the help of a realtor. It's unlikely you need a full real estate learning program. But you might want a course that covers how to improve the curb appeal of your house as well as the legalities you need to cover. And it's likely that you'll need something that tackles any local laws that apply, or at least refers you to a place you can find the information you need. The answer to questions like these will determine the course you need to look for.

2. Research the program you need to follow. Where to look for your distance education course? Online is an obvious contender. Or try magazines devoted to the subject you're interested in. Such courses will appear in the classified advertisement section, or, if they're really popular, somewhere among the editorial. They'll usually be smallish box ads (though not necessarily: Linguaphone have been known to take out much larger display adverts)

3. Decide whether accredited distance learning programs are what you should be considering. Accreditation will have greater or lesser importance depending on what you're aiming to achieve. If so, make sure that the accrediting body has good standing. It may be worth doing a little digging on the internet to establish this

4. Consider how you'll plan and manage an e-learning program or correspondence course. You will be making a commitment of time and money, and on top of that, you'll be putting in some work. If you're following an e-learning program, will you have access to a computer when you need it? These things will need some thought on your part.

5. Consider how will you pay? Single modules can eem expensive enough, but if you're embarking on a degree course, the cost will represent a considerable investment. You may have to arrange a loan, perhaps via your bank, or, depending on your status, a student loan.

6. Arrange the time. In reality, unless you live alone, that means negotiating with family members, rescheduling parts of your life, making resolutions to get up early or stay up after everyone else has gone to bed so you can study.

7. It will definitely be a good idea to approach your boss if your course is in any way work-related. So if you're trying to improve your work prospects, ask if there's any chance of help with the costs, some free time at work to study (some employers have a program for these things), and perhaps some flexibility in your attendance if you need to be elsewhere for exams, etc. (Promise, you'll make the time up later, although if you work for a great company, this may not be necessary)

8. Sign up for the course.

There's a natural human tendency to question whether we're doing the right thing, whether this wouldn't all be a waste of money, to imagine that our life is going to be disrupted beyond belief if we start doing something new. It's not true.

Or we may wonder what will happen if we fail. Well, you have to be spectacularly bad to fail. Exams assume you aren't going to be 100%, and pass rates in some subjects are as low as 65%. Besides, online colleges aren't out to fail you. They want you to keep coming back for more.

9. Be prepared to have to work through periods where you feel less than motivated. No article on how to initiate a distance learning course would be complete without mentioning that after about four weeks of hard work, you'll hit the occasional slump in enthusiasm. It's important to have some mechanism to keep you going. One strategy is to itemize your goals--or dig out your list from point 1 above--then write next to each why it is vital you achieve them. Keep hat image in your head, or repeating your goals to yourself. You may not end up firing on all cylinders, but you will have reminded yourself that, as NASA would say, failure is not an option. It will be enough to keep you going

And there you have it: nine tips to get you off to a flying start in your distance-learning program. Good luck!

Roger White helps you get clear about the hows, wheres, and whys of learning. For more details about distance learning programs and how to initiate a distance learning course, go to http://www.DistanceLarning4All.com now!85 Browse Catid Groups Msn
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How To Develop A Marketing Plan That Will Make Your Small Business Sales Explode

2008-01-22T00:58:00.000-08:00

Along with your business plan, your small business marketing plan is one of the most important long-term plans youll make for your small business. Some small business owners choose to ignore that advice, instead preferring to fly by the seat of their pants, so to speak, to wing it. While some of those small business owners are successful, theyre not nearly as successful as they could be had they laid out a well-defined small business marketing plan. Brandt Stohr advises business owners to create a well laid out marketing plan

Small business marketing strategy step 1: Know your market

The first step Brandt Stohr advises in developing a successful small business marketing strategy is to make sure that you have a really solid handle on your target market. Ask yourself: Who are my customers? Once youve identified who they are, ask yourself: What are my customers problems? What are their dreams and aspirations? The surest way to answer those questions, of course, is to ask your customers themselves. Even if you cant afford to hire a small business marketing firm that will conduct focus group tests for you, you can do your own simple survey by hitting the streets and talking to those people you plan to sell to (and make contacts at the same time!). Youd be surprised how powerful that simple task is yet how few businesses do it. Brandt Stohr advises to find a starving market first and then feed it!

Small business marketing strategy step 2: Know yourself

The second step in developing your small business marketing strategy is to get to know yourself (your business), once youve gotten to know your customers. Ask yourself: What does my business do? How is my business different than my competitors? How does my business help solve my customers problems or help them achieve their dreams? Brandt Stohr advises answering these questions will help you to define your unique selling proposition those aspects that set you apart from your competitors.

That unique selling proposition should become your brand your businesss identity. Your brand is what will pervade all of your marketing materials and what your customers will use to identify you. Brandt Stohr advises his clients on the importance of diligently developing your brand as part of a successful small business marketing strategy cant be overstated.

Small business marketing strategy step 3: Analyze your competitors small business marketing strategies

Once youve developed your brand that unique identity that tells your customers who you are and how youre different you can begin thinking about how youre going to actually market your business. First, look at your competitors small business marketing strategies. Are there obvious gaps that you could fill (and thereby stand out among the competition)? For example, if you see that none of your competitors have websites, you could stand out with a small business marketing strategy online.

Wherever you market your business, it must be where your customers are. For example, small business marketing online will be a waste if none of your potential customers use the Internet. Likewise, you may think that writing a monthly column in your local newspaper would be a great way to advertise your services and establish yourself as an expert; but if none of your potential customers read that paper, that small business marketing strategy will fail. Brandt Stohr teaches his clients to get to completely know your clients lifestyles, hobbies, habits, attitudes intimately.

At this point, your small business marketing strategy will not only be defined by where your customers are and what your competitors are doing, but it will also depend on your small business marketing budget. A full-page spread in a national magazine may be the best way to reach your target audience, but if you cant afford to shell out tens of thousands of dollars, its not the small business marketing strategy for you.

Wherever your small business marketing plan takes you, the careful development of your small business marketing strategy by knowing your market, knowing your business, and analyzing your competitors strategies will be a critical determinant of your long-term business success.

Brandt Stohr, the Small Business Marketing Genius has brought startup one man operations to billion dollar corporations by using creative marketing techniques rather then investors and capital. Brandt has been helped hundreds of entrepreneurs to get their small businesses exploding with sales without the use of expensive traditional marketing techniques. For more information and a free report on the ten deadly mistakes most small businesses are still making visit Brandt Stohr's site at http://www.smallbusinessmktng.com Chevron Logo
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How To Achieve Anything You Want

2008-01-21T10:49:00.000-08:00

In order to achieve what you want in life, you firstly have to know exactly what it is that you want. And forget lists. Dont bother trying to write down your goal. Instead, sit down, close your eyes, and see yourself where you ultimately want to be.

Just picture yourself doing what it is you want to do, or being where you want to be. But dont just think about it, get clear pictures in your mind, of yourself living your dream.

And dont worry if you think your dream is too ambitious or unattainable, because negative thoughts like that will only hold you back from achieving your dream life.

Once youve got a clear picture of where you want to be, then its time to begin hauling yourself out of the gutter of your life.

Most people go around saying that theyre sick and tired of what theyre getting out of life. But in doing that, all they achieve is a bigger pile of what theyre sick and tired of.

This is because theyre focusing on the negatives in their life, instead of seeing their own potential. Are you one of these people?

What you need to do is keep the picture clearly in your mind of where you want to be and work towards it, counting every step as a success along the way.

Dont dwell on the process of getting there, just keep your dream in mind and keep moving forward.

One of the secrets of success is to become passionate about what you do. You only have to do 1% more towards achieving your dream, to raise your enthusiasm and this will create all the momentum you need to keep going.

Stay away from people who try and put you down or try and stop you from attaining your dream. Its not their dream, so its not their business.

And its OK to make mistakes along the path to your dream. You dont have to get it right, you just have to get it going. As youre reading this article, remember that information helps, but only ACTION can move you closer to your dream.

If youre 100% focused on making your dream a reality, you can achieve more in a few months than most people achieve in a lifetime.

But you need to:

~Focus more
~Act more
~Apologise to no one

And the time to act and start moving towards your goal is right now GO!

If you could have anything you wanted in life what would it be? If you close your eyes and imagine your life as you'd like it be - your "dream" - where would you be and what would you be doing? We all have a dream of what we really want to be doing with our lives, but is anything achievable? You bet.

Ruth Barringham is a freelance writer and runs successful websites at http://www.writeaholic.co.uk and http://www.workathomeaholic.com. For more information about how to achieve everything you want go to http://www.writeaholic.co.uk/5steps.html.Car Loan Refinancing
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How To Travel Safely

2008-01-20T08:35:00.000-08:00

With headlines reporting terrorist attacks every day, vacationers are more than ever on the alert. By taking a few extra precautions and staying alert, you can avoid spending part of your holiday filing a report at an exotic police station.

BEFORE YOU GO:

Call ahead. While deadbolts and peepholes are standard in motel rooms these days, safety awareness on the part of hotel management varies widely, so it is worth calling ahead to ask specific questions.

Look for electronic key cards, instead of regular room keys. Look for rooms that open onto an interior hallway, rather than to the outside. While it is easier to unload the car when it is parked right outside the door, a room that opens directly onto parking makes it easier for thieves to monitor your comings and goings, and to get into your room when you drive off for a day.

The electronic cards are reprogrammed for each new guest. Do not pack valuables in baggage you plan to check. Your bags will pass through a lot of unsupervised hands on its cross-country flight, so keep your jewelry, money and travelers checks close at hand in a carry-on bag. There is always the chance that your baggage may not keep up with you, so pack medications and prescriptions in your carry on bags.

AIRPORT SAFETY:

Watch your bags! Baggage theft at airports is on the rise and half of the bags stolen are those left unattended. Thieves know that carry-on bags are where people carry their valuables and cash.

Outside the airport, too, and anywhere on the road, never leave your bags unattended for a second, especially in Europe and Asia. Use teamwork. Have one family member--a teenager or adult--anchor the bags and the younger kids while an adult goes off to get directions or a cab.

Watch your pockets. People bumping into you could very well be pickpockets, and people asking you questions could be diverting your attention while an accomplice grabs your bag.

This advice applies especially to tourist attractions and public transportation, as well. Consider purchasing a money belt or moneybag that you wear inside your clothing, and using it. Carry in your pockets only enough cash for a day, and only one credit card.

ON THE ROAD WITH YOUR RENTAL CAR:

When you pick up your car rental, ask which parts of town to stay away from. Staying away from high-crime parts of town could be the most important safeguard you can take. It is all too easy to inadvertently drive into bad neighborhoods when you are in a strange city, but with a little foresight and a decent map, it is just as easy to avoid them.

Do not look like a tourist. Tuck the Disneyland bags and travel guides discreetly away in the trunk when you are away from your car. It never hurts to leave a local paper in plain sight to further enhance the illusion that you are one of the locals. Leave nothing in sight. Cars have been broken into for jackets and shopping bags.

Stick to cars that are unobtrusive and blend in. Forget the car wash! A cruise down a dusty road, or through a few mud puddles, will make your rental look lived in!

LOCALES:

One of the best things you can do to protect yourself is know where the bad neighborhoods are, and to avoid them. Before you leave your hotel, ask which way to turn when you walk out the door, and which direction to avoid.

HOTEL SAFETY:

Know where the emergency exit is in case of fire. Show your children how to call the front desk. While they may know how to dial 911 in case of emergency at home, unless you tell them, they will not know to dial 9 for an outside line, or to dial 0 for the hotel receptionist.

On an index card, write the name of each child, your name and hotel address and phone number, as well as the phone number of a close friend or relative back home. Always have a recent, clear photo of your child with you. If you do get separated, the authorities will want an up-to-date picture.

You do not need a wallet full of credit cards when you travel. Bring only what you need--two should be enough--and leave copies of the front and back of each card, and any other important documents you are carrying, with a friend or close relative. If they are lost or stolen, you will have easy access to the necessary information.

Also leave a list of your travelers checks by number. A member of the party who is not carrying the credit cards and travelers checks should also carry a copy of this list. Consider having Mom carry one credit card, and Dad carry the other.

HEALTH:

Travel health depends on your pre-departure preparations, your day-to-day health care while traveling and how you handle any medical problem or emergency that does develop. While the list of potential dangers can seem quite frightening, with a little luck, some basic precautions and adequate information few travelers experience more than upset stomachs.

Remember, you can have a very enjoyable vacation while being careful and alert to your surroundings. If something does not seem right, do not ignore your feelings. It is always better to err on the side of caution.

Chris Chenoweth, author of the DO-IT-YOURSELF HOME, HEALTH & MONEY GUIDE, writes articles pertaining to diet, exercise, health, and business: http://www.money-home-biz.com.Nutrition Weight Loss
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How To Take Pictures Of Fireworks

2008-01-19T06:47:00.000-08:00

These days there seems to be a firework display at almost every outdoor event, and there are also plenty of other opportunities which you can use to perfect your Firework technique. The unpredictable nature of the position, color and shape of each firework explosion means that no two shots will ever look the same. But follow our advice and you'll be able to get some stunning fireworks shots.

Capturing the spectacle of a firework display is all about predicting when and where the most dramatic events are going to take place. Try to find out where the main display at your event will be taking place, and where the fireworks will be fired from. To capture the wider view of large public displays it's often best to avoid the most popular spots close to the action. At popular events you'll struggle to find enough room to set up your tripod - a necessity to shoot the display - and you'll also often be too close to the action. It's much better to find a spot that gives you a viewpoint over the whole display, to allow you to capture as many of the individual fireworks as possible. It's worth going back to the busier areas if you want to try some portraits of family and friends around the fire though.

When searching for a place to shoot the display, look out for things to use to enhance your images. Flood-lit buildings are great for giving a sense of place, while water can create amazing reflections to add an extra element to your pictures.

Unless you've been to the same display before, trying to predict where many of the fireworks are going to explode can be tricky. Some rockets can go hundreds of feet in the air before they create their light show. The wide-angle end of a standard zoom will give a broad enough view for most displays, but if you have one it's worth taking a wider lens just in case the rockets go much higher. While the results can be pretty hit or miss, the unpredictability can lead to some great results. Don't expect every shot to be a winner and make sure you shoot plenty!

If there's a fire (or floodlights) near to the fireworks display you can include the light from this to give your shots an extra glow, rather than simply recording the fireworks against a black sky. As the subject is much brighter than the surroundings the exposure times are a little more hit or miss than for just the fireworks themselves, so experiment with shutter speeds and aperture settings.

How to set up your shots

The intermittent and unpredictable nature of fireworks means that the automatic exposure systems will rarely give you good results. Instead you'll need to set the camera to manual exposure mode and set the shutter speed and aperture yourself. As it will be dark then bright as the fireworks explode, it's also very difficult to use the metering to gauge the exposure needed. Although you're working 'in the dark' when it comes to exposure it's not as difficult as it first appears, as there are some handy tricks that will help you to get the results spot-on.

Using a Tripods

You'll need a longer shutter speed to capture several bursts than if there are loads of fireworks going off in quick succession. For most displays a shutter speed of between 8 seconds and 30 seconds will give you plenty of action. Your shutter speeds will run into several seconds, so you'll need to put the camera on a tripod and release the shutter using the self-timer, or ideally a remote release to combat camera shake.

Select manual exposure

The light will vary from almost pitch-black to bright during your exposures, so you need to select the manual exposure option and ignore any reading from the metering. With very little light you'll find that the auto-focus will struggle, so set the camera to manual focus. As you'll be some distance from the subject set the focus on the lens to infinity. The shutter speed is more about the number of bursts that you capture than the exposure of the result. When it comes to ISO, set the camera to the lowest ISO possible lo minimize noise. You can try fast settings such as ISO 800 or 1600 to allow you to shoot portraits using the glow of the bonfire, but expect plenty of noise or grain.

Aperture & shutter speeds

With the camera set to ISO 100 you should try exposures at apertures of f/8 and f/16. As a guide, if you're close to the fireworks use f/16 and if you're shooting from a distance use mainly f/8. If you're using ISO 200 then set f/22 for close subjects and f/16 for distant displays. The shutter speeds are less critical than the aperture for the brightness of your image, but they do affect how many bursts and how much of the display you will record in a single frame.

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How to Put your Online Marketing on Autopilot

2008-01-18T09:53:00.000-08:00

Do you want to not be actively participating in day-to-day marketing activities?

Do you want your target market to come to your web site and subscribe to your newsletter?

Do you want qualified buyers to come to your web site, buy your product and download it, all without any involvement from you?

One of the important building blocks of creating passive income streams is to have a web site that can do as much as possible for your web site visitors, before you get involved. For example:

- If someone wants to become your business coaching client, they should be able to fill out a questionnaire with information about their business, their goals, their budget, etc. This way, the client will be pre-qualified online, instead of you spending time on pre-qualification. Pre-qualification is a good process to automate, as answering a questionnaire can be done easily online.

- When someone wants to buy your ebook or special report, have a process that processes their payment, confirms the payment and lets them download the product without your involvement. Again, this will help you save the time getting the payment, processing the payment and delivering the product. This is another great process to automate, as all the tools for accepting payment online and delivering a digital product are readily available.

Remember, people come to your web site for many different reasons. Some want to read your articles. Some need your services. Others want to subscribe to your newsletter. Yet others need to purchase your products. All of these actions require a different online marketing process.

While each process is different, the processes may be easy to set up. Once you formulate what a process needs to do (process payment, deliver product, qualify a potential customer), you will be able to define and implement the process.

Over to you - lets take action! Here are the steps you need to take to put your marketing on autopilot, and have your web site do the majority of your marketing for you:

- Audit your current web site, and all the processes to use to qualify clients, register newsletter subscribers, sell products, deliver products, etc.

- Identify how involved you are in each process from the very beginning of the process, from the middle, not at all. Every process is different. Some will need your involvement at some point (when someone asks for a project quote). Others can be 100% on autopilot (digital product sale and delivery).

- Identify how you can improve each process. Are there ways to add more automation? Is there a way to pre-qualify a client futher?

By putting your marketing processes on autopilot, while still offering your customers your products and services, will give you more time for working with existing clients and creating more passive income streams products.

Biana Babinsky is the online business consultant, expert and author, who teaches business owners and solopreneurs how to put online marketing on autopilot and make money. Learn how to increase your own product sales get Top 5 Ways To Increase Your Online Sales Special Report absolutely FREE at http://www.avocadoconsulting.com/free_newsletter.html Kl6 Surefire
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How To Prepare For A Camping Trip

2008-01-17T07:47:00.000-08:00

Camping is a great outdoor activity that can be enjoyed both by couples, a group of friends or by the entire family. The following are some tips for beginners about how to prepare for their camping trip.

Most first-time campers usually being their foray into camping as tent campers or car campers since all their camping equipment is loaded into their car (instead of an RV). Uppermost on their list of things needed would obviously have to be a tent. They don't have to choose and expensive tent as long as it provides adequate weather protection and shields the campers from natural elements such as the wind, sun, and rain. You also need a secure tent that can keep you away from flies, mosquitoes and other pests. Your tent will also be, in all likelihood, your best place for privacy and where you will store your clothes and camping gear to keep them safe from the weather

Sleeping under the stars can be great sometimes, but sooner or later you will want a tent. The same can be said of sleeping bags. It should have enough padding to cushion you comfortably against the hard ground. Make sure that all the inflatable pads and closed-cell pads are working properly. If you plan to do most of your camping during summer, a lightweight and inexpensive rectangular sleeping bag will do. And don't forget to bring a pillow.

Plan what you will be eating. Experienced campers or backyards chefs will likely have lots of recipes for outdoor cooking. It's also possible to get on simply a cooler of drinks, sandwiches, and snacks.

Thankfully, you can find a grill and picnic table at most public campsites. If grilling is your thing, you will be best-served by bringing a bag of charcoal and a spatula and you'll be ready to cook your steaks, hot dogs, and hamburgers on the grill. For prolonged period of camping or for your next camping trip, you might like to try bringing a propane stove, a skillet and a few pots so that you can expand your cooking choices.

Before you embark on any camping trip, it is best to have a checklist of things to do so that you don't forget anything. Another useful thing to bring along is an experienced camper. You can easily learn everything you need to know from them.

Jonathon Hardcastle writes articles for http://theoutdoorslifestyle.com/ - In addition, Jonathon also writes articles for http://recreationandmore.com/ and http://thetravelinglifestyle.com/.Tila
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How to Approach Women Without Fear

2008-01-16T05:51:00.000-08:00

Indisputably, the biggest problem that faces the new pick-up artist is anxiety that comes from approaching a woman he desires. There have been quite a few explanations for this, ranging from tribal history that has been implanted in our genes, to societal programming on what is right and wrong for us to do.

Put simply, we just happen to desire social acceptance more than anything else that does not physically keep us alive. We want our family to be proud of us, our friends and acquaintances to respect and include us, and the rest of the world to desire us.

Whats the opposite of acceptance? Rejection. And thats what were afraid of.

Im going to give you some powerful techniques to eradicate this fears hold on your life, but before that, I want to discuss the root of this in depth for you.

Were going to call a girl or group not being interested as something other than rejection or getting rejected. After all, you didnt get rejected. Your approach did. If you went in differently, the reaction would have been different. Were going to call it getting blown out or a blow-out. This is because while the set didnt know enough about you to reject you personally, they did express that they wanted to end the interaction.

Your use of words is very important. A good friend of mine is fond of saying, The first set of the night is always murder. Now if youre equating talking to a girl with someone ending your life, of course you will be more than a little hesitant to make that first approach! Anthony Robbins has set up a whole system on how to use your word choice to better your life. I wont get into it here, but in short, minimize your negative word usage, especially if youre describing something thats necessary for you. If you say Going to the gym is a royal pain in the ass, you probably wont make it there very often. However, if you say Getting to the gym consistently is a challenge, its a lot more likely youll rise to the occasion. So to sum up, I NEVER want to hear you say I got rejected.

While word choice is important, a bigger issue that holds the outcome of the set. In other words, you are giving two girls thirty seconds to give a full evaluation of your value as a person and judge you accordingly. Thats a lot of power to give someone youve never met before.

Theres only three reasons an approach might not go well for me:

1) My game wasnt good enough at this point to handle this particular situation

2) My game was good enough, but I made a mistake in this particular situation

3) There were extenuating circumstances that prevented success, despite that I ran a good set.

Thats it. There are no possibilities for why it can go wrong.

In my years in the game, Ive met plenty of people that make their living teaching men how to pick-up women. These men pick-up beautiful women right in front of their students, sometimes on video-tape. Some of these guys, if you saw them, would blow your mind because they are not attractive by any standards. They have huge guts, often are balding, sometimes pasty white, and sometimes pretty short and frail. This is a hard thing to accept until youre actually seen this, but you definitely do not need to be good looking to attract women. The point Im trying to make is:

YOUR LOOKS ARE NOT WHAT GETS YOU BLOWN OUT.

Your game is the problem; not your looks, not your value. Its completely dependent on your social skill-set.

When Tyler Durden makes an approach that doesnt go well (which does happen even for the masters), he says it affects him as emotionally as if he was shooting hoops and had his hand crooked on the basketball and missed.

So you have basically three options to consider. You may have been socially miscalibrated and messed up a set you could have done well. So you learn from your mistake. It also might have been a too difficult set for you to win at this point in your learning curve. You still get mad props for going for it and you are no doubt better because you did go for it. The people that get great at pick-up constantly approach sets out of their comfort zones, where instant success is unlikely. It might be a go-go dancer swinging around a pole. It may be a beautiful girl surrounded by 7 guys. It may be a celebrity. When youre higher in your learning curve, youll be able to own that set.

Until then, its only practice.

A great PUA named Hoobie once said that Every failure is a brick in my palace. I would change that to Every approach is a brick in my palace. The latter is more accurate, because every attempt you make at a pickup, it adds to your cumulative experience.

And of course there are situations where the set-up is precarious at best and it is near impossible to actually win the set. If a group of girls are having a girls night out for a friend whos husband just cheated on her, theyre going to be giving her 100% of their attention and putting guys to the side for the night. Theres no way you would ever know that, so just be open to the possibility. This is not to say you should excuse yourself every time a set doesnt go well. You cant always say She must have been married. You still have personal accountability. Just let the possibility that it was an impossible set be open in the back of your mind.

Now here are some specific techniques for consistently getting approaches done each night:

Make it a MUST that you approach a minimum of 6 sets for the night. That you literally can't leave til you do it. Make it your goal to get blown out 6 times. Yes, no numbers, no lays, just get blown out. That way when you get blown out you're closer to your goal.

If you have a wing, give him 100 dollars. Have him give you 10 dollars back for each approach you do. At the end of the night, he keeps the leftover cash.

Make it a point to say some outrageous stuff in approaches, stuff you KNOW won't work. Every third approach or so, I will sometimes use a fun approach that I don't expect to work like going up to a group of girls and saying Are you ready for the big time?

A good exercise from Ross Jeffries is to go to a place like a shopping mall or busy street downtown and stop a girl and say "Excuse me, forgive the interruption. I'm Manny Martian. What is your favorite flavored bowling ball?" Now that's not a pickup attempt, because you were not trying to seduce her. Go do that about 20 times and it should be easier. It may be better to do that one in a major city an hour or so away from where you live for that one.

You have to go BEYOND what a typical approach is before you feel comfortable with a normal approach. Once you say something ridiculous and realize you're still alive and breathing afterwards, you can laugh it off and its a heck of a lot easier to ask a couple women what their opinion is on something.

FOR NEWBIES ONLY: When you approach, touch the girls before you start talking. Like tap a shoulder. That instigates the "point of no return" signal that lets you know you're already in the interaction. When you see a set, go 3-2-1, TAP, and then they're looking at you and you have to speak. After doing this for a few weeks though, quickly phase it out since it is NOT solid game for a proper pickup.

Practice seeing women for as they are and not as the demi-gods we make them out to be in the field. If you see a woman in sexy bitch boots, sparkling eye shadow, and shimmering lipstick, of course all you can think of how absolutely wonderful it would be to kiss her. Now look at her and in your head take the lipstick off, as well as the rest of the make-up, and think of how she looks on laundry day. You dont have to imagine her ugly, but just a bit plainer. That should take it down a notch.

Lastly, be social in general with women of all shapes and sizes. The more often you talk to women outside of a pick-up session, the more natural it will be to start a conversation with any girl at a bar. Talk to fat, older and unattractive women as well.

You may always feel some jitters your first set of the night, and I know pros who feel that way after 10 years of picking up the most beautiful women. They just plow through despite the initial unpleasant feeling. And thats what a real man does: act in spite of fear, and act in spite of discomfort.

Dan Tolumbro from Pickupmastery.com

Dan Tolumbro is a dating advice coach for men at: http://www.pickupmastery.com. 2000 Toyota Sienna
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How to Start a Business in Panama

2008-01-15T03:59:00.000-08:00

Hundreds of foreigners residing here are starting up new businesses in Panama every year.

Panama offers many opportunities for business entrepreneurs. You can start a bar, restaurant, retail shop, hotel, bed & breakfast, provide tour-guides or professional services.

Maybe you are thinking about opening a new business full time? Or, you are retired and thinking of passing the time by engaging in a part-time business.

Whichever you do, Panamanian laws must be understood and complied with. That's why the following information will be useful for every reader who is thinking about starting a business in Panama.

LEGAL BUSINESS STRUCTURE

Your first consideration is to decide what type of business structure to use.

There are 3 normal business entities here in Panama:

Sole Proprietor where you and your spouse & family operate a business as sole owners.

Partnership where you team up with one or more persons in running the business.

Corporation where you register with the government as a company issuing stocks, having a Board of Directors and corporate officers.

While a sole proprietorship can be an oral agreement between close family members, the other two entities need the assistance of a Panamanian lawyer. That's because legal documents need to be prepared forming a Partnership or Corporation. If they are wrongly prepared, they will be legally null and void causing a business legal nightmare for its members.

Let's examine the different legal structures here in Panama:

Corporation (Sociedad Anonima)

Corporations are formed under the Law No. 32 of 1927 and the Commercial Code (Decree-Law No. 5 of 1997, Article 5).

A Panamanian corporation is formed by two persons (called Subscribers) or Nominees (who act on behalf of absent foreigners) who execute legal documents called the Articles of Incorporation. Those documents are filed with the Panama Public Registry office. After the corporation is formed, only one shareholder will be required.

Corporate shares are issued which can be of various classes, can have par value or not, may be officially registered, or can be discreet Bearer shares.

The corporation must have a resident Registered Agent (Panamanian lawyer).

There must be at least three Directors whose names must be in the Articles of Incorporation. Any changes of Directors must also be filed with the Public Registry. Unless the Articles are changed or the corporation merges or dissolves there will be no other filing requirements.

Foreign Corporation

If you already have a corporation in another country, it can do business in Panama by filing the following documents at the Public Registry Office:

1. A notarized Spanish translation of the Articles of Incorporation;

2. Board of Directors minutes authorizing the Panamanian registration;

3. Copies of the most recent financial statements;

4. A certificate from a Panamanian Consul confirming that the company is organized according to the laws of its place of incorporation;

5. Notification of the transfer of capital to the Panamanian operation.

General Partnership

General Partnerships are permitted in Panama. As with most countries, the partners will have unlimited civil liability. That means every partner can be sued even if only one of them commits an error in the course of business.

Limited Partnership

Limited Partnerships (called Sociedad de Responsibilidad) are also permitted in Panama. They are governed by the Commercial Code and Law No. 24 of 1966.

There may be from 2 to 20 partners with no restrictions as to their nationalities or domicile. Their Capital must be at least $2,000 up to $500,000. The names of the partners must be registered with the Public Registry Office including the amount of Capital each contributed. Each partner's civil liability for the Partnership's debts is limited to the amount subscribed to but unpaid. If the Partnership appoints an independent administrator, his/her name must also be registered. No meetings are required if the Partnership has 5 members or less. Otherwise, a meeting must be held at least once a year. There are no requirements for annual returns or filing of any accountings.

An alternative to a Sole Proprietorship is to create an Individual Limited Proprietorship (Empressa Individual de Responsibilidad Limitada). This is set up in the same manner as a Limited Partnership except having only one member. The individual transfers his/her assets to the business. Business civil liability is limited to the amount of the committed assets.

Civil Partnership

A Civil Partnership (Sociedad Civil) is allowed by the Commercial Code and Law No. 24 of 1966. The liability of the partners is unlimited. This type of partnership is often selected by professionals such as lawyers and accountants.

Commandite Company

The Commandite Company (Sociedad en Commandita) is a hybrid partnership and corporation also governed by the Commercial Code and Law No. 24 of 1966. At least one partner must have unlimited liability, while the liability of the limited partners is limited to the amount of capital subscribed. This type of legal structure is seldom used in Panama.

GOVERNMENT PERMITS & LICENSES

Once you have either formed a Panamanian Corporation, or a Partnership, or are acting as a Sole Proprietor, you will need to register your business with the government before opening for business.

The 6 steps provided below are the requirements for registering your business with the national and local governments:

1. Income Tax Registry

This is called "Registro Fiscal" with the Panamanian government.

The Panamanian government has a website explaining what is necessary to register in Spanish. Go to the govt. website at: www.dgi.gob.pa

This is the government Revenue (Tax) Service where your company receives its income tax id number called the Direccion General de Ingresos.

You will need to keep records of income and expenses and file an annual income tax (or corporate tax) return and pay any taxes owed.

2. Commercial License

Another Panama government website will give you information regarding getting a commercial license in Spanish at: www.mici.gob.pa

This Ministry is called the MINISTERIO de COMERCIO e INDUSTRIAS, translated as the Ministry of Commerce & Industry.

This is otherwise known as your Business License. Every business in Panama is required to have one.

3. Municipal Taxes

After getting your Panamanian government licenses, you need to register with your local municipality in order to pay your municipal taxes.

4. Social Security Number

Then you must go to the Registro Patronal de la Caja de Seguro Social (CSS) to get a Social Security number for your business and for yourself.

5. Sanitary Permit

If your business deals with food or beverages, you will need to get Permisos Sanitarios with the Ministerio de Salud.

That translates as a Health Certificate from the Ministry of Health for permission to operate a sanitary business.

Every employee (including owners & management) who prepare or serve food or beverages (or are in the vicinity of food or beverage preparation or service) must obtain two different Permits. One requires a medical & dental examination at a public hospital. The other is issued after attending a two day health & safety course.

6. Fumigation Certificate

Every business which is open to the public must be fumigated. You will need to hire a private fumigation company every four months to fumigate against ants, roaches, and other bugs.

You must then present a receipt from the fumigation company and obtain a Fumigation Certificate from your local municipality. This must be publicly displayed at your business entrance.

Hiring Employees

Now that you have obtained all of the required government permits and licenses, you are now ready to hire employees.

For those of you thinking of hiring your expat buddies, Panama limits a company's work force to a maximum of 10% foreigners (non-Panamanian). Panamanian laws require that 90% of a company's employees be Panamanian citizens, or married to a Panamanian, or foreign persons residing here for at least 10 years.

But, there are exceptions:

1. Required technical or specialized staff unavailable in Panama increases your quota to 15% foreigners. You can also petition the Ministry of Labor for a higher quota.

2. Companies having less than 10 employees can employ 1 foreigner.

3. Companies can employ foreign Managers and Supervisors when the company does business abroad from Panama with prior approval by the Ministry of Labor.

You must obtain a work permit from the Ministry of Labor for every foreign worker.

Panamas Labor Laws

The Labor Code of 1971 deals with Labor Relations including the rights and duties of employers and employees. "Subordination" is the key concept of the law. Any relationship where one person is subordinate to another falls within the law. It makes no difference whether the relationship is or is not described as "employment".

There are certain basic employee rights which must be followed:

1. Written Employment Contract

2. Minimum Wage

3. Maximum Hours

4. Paid Vacation Time

5. Firing Employees

Employee Contracts

You must have your employees sign a written employment contract called an Inscripcion Contratos con trabajadores.

You must file two copies of the contract with the Ministerio de Trabajo y Desarrollo Laboral.

Employers can easily terminate the employee during the first two years. After that, employees have greater protection under the law. The law lists "just causes" for dismissal. Unlawful dismissals can result in minimal compensation payments. Both parties can contract for "fixed terms".

Minimum wage levels vary according to the employee's seniority.

Vacations: There are 11 public holidays per year. In addition, employees are entitled to a 30 day vacation every year.

13th Month: The law also requires a 30 day paid bonus every year which is known as "the 13th month". This bonus is estimated at one-salary day for every 11 days of work. The 13 month bonus is paid in 3 equal installments: April 15th, August 15th, and December 15th every year.

Unions

Unions are allowed in Panama. Unions can collectively negotiate on behalf of the employees. Strikes are lawful under defined circumstances after a majority vote of the member employees. Conciliation is mandatory before a strike can occur. However, only around 11% of the private sector employees are unionized.

Leasing Office or Business Premises

Panama's laws regarding leasing commercial space is similar to most English speaking countries.

1. It needs to be in Writing.

2. It needs to properly describe the location of the pre-mises.

3. It needs to address the amount and frequency of the lease payments, length of the lease period, whether there is a Security and/or Damage deposit, who pays for gas, water, electricity, and repairs. It will also contain provisions for late rent payments, tenant property damage, and renewal of the lease term.

4. It must be signed by the property owners (or legally authorized representatives) and the tenants.

5. All signatures must be Notarized before a Notary Public.

There are many more terms and conditions which should be included in a standard commercial lease which is why you should consult with a Panamanian attorney before signing one prepared by your landlord.

Business Bank Account

Even if you are a sole proprietor, you should never co-mingle your personal funds with business monies. That is why you'll need to open a bank account for your business.

Partnerships and Corporations definitely need to open separate Business or Corporate Bank Accounts.

When you open an account for a corporation, partnership, or a business most banks require the following information and documentation:

1. Most banks require a personal interview, while some banks may allow a telephone interview.

2. A clear copy of the account's Signatory and each corporate Director's Passport (must include the photo & personal information page, and Panama entry stamp page).

3. A clear copy of a second photo id (such as a driver's license or national id card).

4. Two bank references for each Director and account Signatory. These references must entail the satisfactory conduct of the account holder and that the banking relationship had been ongoing for a minimum of 2 years. It would be helpful if the references also confirm the person's residential address. Many Panamanian banks require the references be specifically addressed to that bank's branch. Some banks may accept only one bank reference letter (especially if you have done all of your banking with only one bank).

5. Two professional references for each Director and account Signatory. These references may be written by one's accountant, lawyer, stock broker, insurance broker, real estate broker, or employer. They should be written on their company letterhead. These must include the duration and nature of their business relationship with the applicant. Only an Original letter will be accepted.

6. Proof of Address: You must provide a copy of a utility bill (phone, water, electricity, cable TV, or Internet service) which contains your name and address.

7. A "Company Profile" letter must be submitted which briefly describes the type of business the account holder will engage in. This will include the location of the business, the products or services you are selling, the nature and expected volume of business, the origin of the funds to be deposited, an estimate of the monthly or annual amount of funds to be deposited, and the reason for opening a bank account in Panama.

It will help if your Panamanian lawyer accompanies you to the bank in order to make sure the process goes smoothly.

Once all of these documents have been received, they will be forwarded to the bank's Compliance Officer who reviews the entire application to insure no money laundering will occur.

This process will go smoother and may have less required documents if you first go to the Panamanian bank where you already have a personal account as they already know you.

Taxes

Now that you are licensed, moved into your commercial space, hired employees and have a bank account; you need to worry about taxes.

Conclusion

There are many legal documents, government applications, contracts, and laws one must comply with in order to start a business in Panama. That is why you should consult with a Panamanian lawyer who is knowledgeable with Panama's Business, Labor, Tax, and Real Estate laws before going into business.

Steven Rich, MBA is the Marketing Manager for Panama Offshore Legal Services at: http://www.panama-offshore-services.com Raleigh Sir Walter
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How to Start Video Blogging?

2008-01-13T06:00:00.000-08:00

Videoblogging is the next generation of posting ideas and products over the internet. Everybody knows about textblogging. Now they use videos for a better way of expression. This form of communication may entail a lot of resources, but it is all worth it. If pictures say a thousand words, videoblogging exceeds that by far.

A videoblog requires larger disk spaces on websites, a faster server, and a whole new set of programs to support it. Videoblogs can be fed through RSS. This is technology of syndicating your website to other RSS aggregators.

Videoblogging works with people on the internet expressing their selves. Now if you put this on a business prospective, you are up to a lot of benefits. Think of it as a powerful tool in making showing your prospective customers your line of products or your services. Its just like showing a commercial all for free. And if you videoblog through RSS, then most probably you are getting your target market.

People like to see what they are going to buy. Some would like to see proof and be sure that they are getting their moneys worth before shelving their dimes on it. All of us know the influence of a thirty second commercial. The effect of videoblogging is similar to that. You show your product, people watch it. If they like it, they buy it. If you present it good enough, theyll buy the product even if they dont need it.

Now on the web, things are pretty much static, unlike in television in which all are moving. If you post something that is mobile, it would most likely catch attention. Now imaging your product parading in all its royalty through videoblog. Youll get phone call orders in no time.

If your business is just starting up, you can create a videoblog right at your own home. All you need is your web camera, microphone, video software, and lights. For as long as you know how to use your camera, then you can create a videoblog.

Invest in a good web camera. The higher its resolution is the better the output. And you like to present your goods in the optimum way so get the best one possible. Make a short story, or just capture your goods in one go. Just make sure you are getting the best profile for each. Get those creativity juices flowing.

Lights are important in a production. Make sure you illuminate entirely the area you are going to use to create videoblog. The brighter the area, the crispier the images will be. You can also use lighting effects for added appeal to the presentation.

Should you require sounds for your videoblog, you need a microphone. Record you voice as a voice over for promoting the product and its benefit to consumers. Sounds are as important as videos on a videoblog. It is advisable to make your sound effects as enticing as the video.

Your video editing software can be any program. You need this to finalize your work. You can add sounds, delete some bad angles, or insert some still pictures in there too. Some programs are user-friendly and can be used even with zero knowledge on video editing. Even simple video editing programs should do the trick. Select your background carefully too. The light affects the presentation so make sure that the background and the light complements each other.

Videoblogging is a great tool but it also has it downside. It may slow down the computer so other may steer clear of it. Download time may also be time consuming especially if customer is still on a dial- up connection.

But dont let those stop you. Let videoblogging be an alternative for you, though it is best to still keep the text and pictures present in your presentation to accommodate all possible viewers of your site.

Nowadays, the more creative you are in presenting your product to the market, they more you are likely to succeed. Videoblogging offers an interactive way of selling. You involve the customers. You instill in them the advantage of your goods. And at times, those are enough to make a sale.

Kanicen Nichathavan is the owner of Kanicen's Blog, Kanicen's Blog welcomes everyone who intends to share knowledge, interesting products, ideas and those who want to start Internet Online Business. You will find all kind of Internet Marketing Tools and resources. For Newbie and Internet Marketers this blog will be the best option for lowest prices of all kind of Internet Marketing Tools at http://www.kanicen.com.Inmobiliaria Peru
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How To Make Her Melt With Your Kiss

2008-01-12T03:31:00.000-08:00

Kissing is like an art form, expressed passionately, with a style and technique unique to each individual. A kiss can be friendly and used as a greeting, or it can be a passionate, sensual and quite personal experience. So how then can you convey how you feel to your lover which no words could say? With a kiss of course!

One of the secrets of being a great kisser is keeping things simple and easy. Before you go in for the smooch, make sure she is ready for it and wants you to kiss her. Go slow, and she will think you are the sexiest kisser she has ever had, go too fast and she will think all you care about is getting to the "good stuff". Forget about trying to impress her with your abilities, and instead, pull yourself into the moment of the kiss, and let it wash over the two of you in waves of emotion.

Begin by slowly moving in like you are going to kiss her, but then pull back slightly and smile at her. This will intrigue her. Move in again, but this time touch your nose to her neck and say how wonderful she smells. Then move your head back up and make eye contact. Look into her eyes for a few seconds, and then close your eyes and move in for the kiss.

Start with some short, soft, sensual kisses, and then move to deeper, longer kisses, and then back to short ones. Gently suck on her lower lip, then her upper lip, alternating between the two a few times. Slowly move your kisses to her cheeks, and then down to her chin. Softly kiss her neck, nibble it ever so slightly, and then breathe heavily on her neck. Move up to her ear, and lightly breathe into it, then nibble on her earlobe. This should send her over the edge and make her melt in your arms.

Use your hands while you kiss her. Gently and slowly glide your hands around her ears, down behind her neck; lightly caress her shoulders and down her back, then slowly up again. Put your hands around her waist, or maybe let them softly embrace her face. Allow your hands to put her in a comfortable and relaxed frame of mind and she will respond to your gentleness.

If this is the first kiss between you, keep things from progressing past the kissing stage this time. She will appreciate the fact that you wanted to express your feelings to her through your kiss, without expecting it to go any further. She will definitely want to see you again, I know I would! Now get out there and find a fabulous woman to kiss. - Kelly

Kelly Jones, better known as blushgirl has been in the online dating scene since 1996. Her experience in the field helps her answer questions on romance and relationships for her site visitors, and allows her to meticulously review dating and matchmaking sites. If you would like to reach Kelly, please visit her at: http://www.blushpersonals.com.Luana
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How to Spot The Best Law Firm in New York

2008-01-11T01:04:00.000-08:00

Dealing with any legal issue needs lots of care, attention and detailed information about that issue. Anyone may have to deal with legal issue at anytime of their lives. Being prepared beforehand is one good way for dealing with any legal issues. Well, ordinarily, the common public is not equipped with legal knowledge to deal with legal issue. Taking assistance from a law firm is the best bet for people to deal with such situations. So if you are residing in New York and need legal assistance of any kind, then all you need to do is find the best law firm in New York to deal with the issue.

If you are searching for the best law firm in New York, you will have to check out certain features of the firm to find out the efficiency of the firm. You can check out the lawyers who are working for the firm. Find out how much reputed they are in their respected field. The firm will have lawyer who deal with different kinds of legal issues. On the other hand, there can also be law firms that deal with only certain specific cases only. But it is common to find law firms in New York that deal with different kinds of legal issues.

Find out the success rate of the firm in general and also of the practicing attorneys in the firm in particular. If an attorney does not have a good success rate, clients will not come to him to fight their case. Even if the attorney is associated with a leading law firm, clients always go by the reputation and the success rate of the attorney.

Legal aid these days is needed by many people at some point or the other in their lives. So if a person is planning to immigrate to a foreign country, hiring the services of immigration is a good way of going about. To go to another country and settle down involves lots of legal nuances. The person who wishes to settle down abroad must be fully aware about all his legal rights in that country. No one wants to be caught up in situation where they are not aware about the legal angle of any issue.

Matrimonial attorneys are in high demand these days. Many law firms in New York have matrimonial lawyer who are efficient in dealing with all issues related to marriage, divorce and pre nuptial. With the increasing number of divorce cases, the demand for matrimonial attorney is increasing day by day. Matrimonial attorney, immigration attorney and attorneys dealing with medical malpractice are some of the widely in-demand attorneys.

Clients pay huge sum of money to hire the services of any lawyer, so it is important for you to hire the best attorney to do your work. Finally, you must ensure that the attorney is has the proper and sufficient knowledge to deal with your legal matter. You can also ask for reference from anyone who has hired the services of lawyer. This will help you in finding out a good lawyer from law firm in New York.

Hadiya Robins is a legal expert. She works for Pulversthompson and gives advice to clients who are looking for Immigration Lawyer New York,Matrimonial Lawyer New York,Lawyer New York.For legal advice and to get services of a Lawyer in New York visit http://www.pulversthompson.com.Palm Desert Ca Real Estate
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How To Become The Lawyer Everyone Loves

2008-01-09T22:27:00.000-08:00

Most people have certain prefixed ideas or notions about those associated with certain professions. Law is no exception. By nature, lawyer-types can be fairly aggressive and controlling, which can be a good thing when it comes to practicing law. However, as to their personal lives, such professional attributes have helped to create negative impressions of lawyers outside the courtroom.

To help people love you as a lawyer, you need to tone it down in your personal life in order to invest in others. Here are some pointers on how to become a lawyer everyone can love:

1. Do not manipulative personal relationships: Because of the requirements of their profession, lawyers tend to view the world as their courtroom. Because success as a lawyer requires expert manipulation of everything that happens in the courtroom, such manipulative tactics can cross-over into their personal lives. The key to success here is to learn to turn off the tendency to manipulate the simple things in life, including your relationships with loved ones and friends.

2. Have a good sense of humor: Practicing law can be serious most of the time, but keeping a tensed and wrinkled forehead is no good for anyone. A sense of humor is the icing on the cake for a dynamic and successful lawyer. People admire professionals who can not only keep their calm but are also able to make people laugh. These lawyers are welcome in most circles, because they are known for making the best of any situation.

3. Be supportive to everyone your clients, your family and your friends: The work of a lawyer also includes some aspects of the profession of psychiatry. Lawyers may take on the legal issues of their clients, but also must work to ensure that their clients do not succumb to pressure and worry. Such a talent is beneficial to both the personal and professional sides of being a lawyer.

4. Practice being humble: Regardless of how successful you are in the courtroom, or how great your reputation is as a lawyer, people are not going to like you if your ego guides your interactions with others. People worth caring about do not care how much money you make or how good are you at your work. They simply want a real person to talk and to relate to in all aspects of life.

Striving to be a lawyer everyone wants to spend time with and include in social activities will make your personal life enjoyable, and consistently feed your law practice new clients.

Jack McDonough is a Colorado CPA, speaker, coach, author and consultant to professionals in the legal and accounting industries who desire to make more money while working less hours. Jack is President of Wealthy Professionals LLC. http://www.wealthyprofessionals.com 2007 Axl News Rose
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How To Choose The Right Clothes For Your Body Shape

2008-01-08T19:38:00.000-08:00

With ever-changing fashion designs and trends, there is one thing that remains the same: dressing to complement your body shape will always make the biggest impression. Whether you are wearing last years skirt or this years dress, the way it fits your body is what makes you look fantastic or just ordinary.

It doesnt matter if you have a pear-shaped body or a to-die-for hourglass figure, there are always certain styles of clothes that will flatter your body type. With a seemingly endless array of stylish accessory options and different clothing styles, you too can look and feel fabulous.

If you have been blessed with a pear-shaped figure, you are not alone! Your hips are set low and your thighs seem out of proportion to your upper body. With a less significant bust size and a typically pronounced waist, you should avoid anything that attracts extra attention to your hips, including blouses or jackets that sit directly on your waist. By shifting the attention to your bust with fitted tops, you will move attention from your trouble areas below and appear more proportional to the rest of your body. Dont forget to accessorize to complement your look! A subtle necklace and a short hanging bag can perfect your outfit and bring more attention to your upper body. With the faultless pairing of the right clothes and accessories, your outfit will look like it has been tailored to fit and you will be ready to impress even the most stylish divas.

With hips to love and a full bust, women with the classic hourglass figure are in luck. If your body resembles that of Salma Heyak or Tyra Banks, you are one of the eight percent of American women that have been fortunate enough to inherit the curves that most women dream of! When dressing for an hourglass figure, it is important to flaunt those curves and remember that over seventy five percent of fashion designers tailor their clothing to fit this classic shape, making it a breeze to find the right fit for you. Wearing clothes that skim your body, and are not too tight and not too loose, will flatter your form and make the most of your body. Accessorize with belts and tops that tie at the waist and your outfit (and body!) will be runway ready.

Women with an undefined waist and a straight body shape should show off their slender legs and highlight the best aspects of their lean body. Wearing skirts and dresses that lengthen the appearance of the torso flatter this body type. Pair fashionable dresses with a longer overcoat and your body will appear long, lean and fit. Wearing V-neck shirts or tops with a low collar will elongate your neck and draw attention to your most helpful assets. With a straight body shape, you can detract attention from your waist and hips by avoiding belts and any dresses or shirts that gather at the waist. To make your legs appear even longer, add stylish pumps or pointy high heels to perfect your outfit.

If you have inherited a round body figure with a voluptuous bust, narrow hips and a round tummy, there is no need to shy away from chic styles. Celebrities like Kate Winslet have become fashion icons with their voluptuous bodies and you can too. With characteristically lean legs, rounder types will find that their best bet lies with showing off their legs and shapely hips. Wearing tops with a longer neckline and avoiding broad collars and polo necks can diminish attention from your full bust and can help your neck appear extra lean. Wear attractive tunics and steer clear of tight fitting clothing so that your round stomach will seem lean and fit while drawing attention to your trim legs. Accessorize your outfit with narrow belts that blend with the color of your outfit and you will be model ready in no time.

With simple changes to your outfit, your body shape fears can be a thing of the past. Always remember to accentuate your best features to detract from your most troublesome areas and you will be an exemplary model of first-class fashion.

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How To Stop Running To Your Doctor With Health Problems

2008-01-07T16:42:00.000-08:00

Hey there,

Have you been seeing your doctor a little too much lately? Headaches here, chest pains there..shortness of breath, feeling weak, dizzy, and lethargic.

A nasty virus going around?

Not likely.

Something you caught from your kids?

Probably not.

Well, what is it?

Would you believe (and you should) that it could be that youre overweight and/or out of shape?

No way, it cant be! you say..I mean youre supposed to drag yourself throughout the day eating chips, drinking caffeine laced beverages, and exercising your fingers on the keyboard.

Thats how life supposed to be..you say, work like crazymake as much money as possible regardless of the health risksretire (while being overweight and out of shape) and spend a good amount of your retirement visiting your local doctor and hospital waiting for that new breakthrough surgery to suck up all that fat from your arteries. Unfortunately, this is often true of many people nowadays. How can you possibly stop this and decrease the possibility (exponentially, I might add) that you have to spend your retirement years pitching a tent at your doctors office.

Get moving.

Start a fitness program..try to do a pushup (you should be able to do more than 1, by the way)take a brisk walk around the neighborhood..take a jog with your dog up and down the street..try to do 10 crunchesjust start something! More importantly, stick with it.

Thats all you need..just 2 little things.

Start with something.and stick with it.

2 simple, yet powerful actions. In fact, theyre so powerful that if you did these two little things, you would be in better shape than most people in the world!

You want to know a little secret?

Open your ears and pay attention.

Your doctor doesnt want to see you. In fact, they are sick of seeing you..they would rather be playing golf.lol. But do you want to know why they have to keep long hours and spend minimal time with patients?

Because we are getting fatter and unhealthier by the day. Which equals more health problems, which equals more doctor visits, more hospital visits, more tests (very costly I might add), more x-rays, more surgeries, etc. etc. etc.

How many hundreds and thousands of dollars are you and your family spending on unnecessary health bills? Instead of chewing on a Twinkie.chew on that thought for a while.

What would you rather have with all that extra money: a new car, a house thats paid off, a vacation home, a boat?

Wow.

Living healthier, looking leaner, feeling younger and more energized while pocketing extra money from saved doctor bills and surgeries.

Where do you sign up?

Not at your local McDonalds or Burger King.

Nor at your local greasy spoon restaurant.

You sign up by making a commitment to change your lifestyle. Hey, maybe thats not what you are wanting to hear, but its true. You and only you, (with some help from me, of course) can make that change.

Whats the great thing about it?

So many people have tried and succeeded by doing it the right way, and you can too! It may take some time, it will take some discipline, heck, it may even take some sacrifices.but you will get so excited when you look at yourself in a mirror and see a leaner, fitter, healthier you.

Save money, save insurance company hasslesand for goodness sakes start a fitness program. I may not be able to help you have a body like Brad Pitt or Angelina Jolie by next week.but listen to me and you can at least save enough money to take everyone you know to see all of their movieslol. Actually, with your savings on doctors visits..youll have way more money than that.

In closing, you can choose one of two things.

1.Making a change to commit to a healthier lifestyle, a more balanced diet, and a fitness program that will lead to greater physical fitness, mental health and wellness, endurance (use your imagination), less doctor visits (when they are practically pushing you out the door anyway), less chances for heart attacks, strokes, surgeriesAND more money in your pocket from saving yourself from these expenses.

VERSUS

2.A diet filled with fats, lard, cholesterol, unlimited carbonated beverages, diet drinks (that always gets a chuckle out of me), days of feeling weak, depressed, and lethargic. Lets not forget a greater than average number of doctor visits, greater chance for health-related surgeries, greater chance for injuries (if and when you decide to get off your butt and do something), combined with looking less attractive to yourself and your significant other (or potential significant other), WHILE wasting money on all of these things.

Quite the laundry list, huh?

I dont know about you, but I take #1 11 times out of 10. And, if I were you, I would think long and hard about making a change to #1 too.

You can do it, I am here to help. And if you can handle even more fitness strategies for you and your family, go to www.fitnesswithchris.com and check out what Ive got in store for you. Have a great day!

Chris Callegari, founder of http://www.fitnesswithchris.com is unleashing his real-world exercise, fitness, nutrition, and healthy eating tips to the world, to help support lifestyle changes for any and everyone.Richard Lerner
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How To Get Members Interesteded In Your Autoresponder Message

2008-01-06T13:38:00.000-08:00

If you are using your autoresponder to sell a product or service, you must be very careful as to how you approach your potential customer. Few people like a hard sale, and marketers have known for years that in most cases, a prospect must hear your message an average of seven times before they will make a purchase. How do you accomplish this with autoresponders?

Its really quite simple, and in fact, the autoresponders make getting the message to your potential customers those seven times possible. On the Internet, without the use of autoresponders, you probably could not achieve that. Too often, marketers make the mistake of literally slamming the potential customer with a hard sales pitch with the first autoresponder message this wont work.

You build interest slowly. Start with an informative message a message that educates the reader in some way on the topic that your product or service is related to. At the bottom of the message, include a link to the sales page for your product. Use that first message to focus on the problem that your product or service can solve, with just a hint of the solution.

Build up from there, moving into how your product or service can solve a problem, and then with the next message, ease into the benefits of your product giving the reader more actual information with each and every message. Your final message should be the sale pitch not your first one! With each message, make sure that you are giving the customer information pertaining to the topic free information! This is what will keep them interested in what you have to say.

This type of marketing is an art. It may take time to get it exactly right. Use the examples that other marketers have set for you. Pay attention to the messages that you receive from other marketers.

Start a swap file, and keep those messages. Use some of the better sales copy for your own autoresponder messages just make sure that yours doesnt turn out to be an exact copy of someone elses sales message!

Remember not to start with a hard sale. Build your potential customers interest. Keep building on what the problem is, and how your product or service can solve that problem or fill that need. If you are doing this right, by the time the potential customer reads the last message in that series, they will be convinced enough to make a purchase!

Dechen Lau., is an Author, Speaker and Internet Marketing Consultant Project Runway Uli
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