Retire in 10 Years

Retirement has become a popular subject recently. When you understand the current situation, you’ll understand why retirement is on the minds of so many people. Let’s take a look at what’s going on in the world today. There are approximately 79 million baby boomers and starting Jan. 1, 2008 every 7.7 seconds, a boomer will turn 60. Americans have seen 30% or more evaporate from their 401(k) plans due to the stock market meltdown. Social Security Trustees have admitted that the fund will be insolvent by 2017 because it will be paying out more than it receives. It will be depleted of funds by 2041. Medicare Trustees have reported that Medicare’s Hospital Insurance Trust Fund will become insolvent by 2019.

Read more at www.retirein10years.com

Benefits of helping others buy a house

Maybe it's time to evaluate an opportunity. Below are benefits of becoming an affilate marketer with us:

• Financial Freedom
• High Income Business Opportunities
• Be Your Own Boss
• Success Driven Industry
• Significant Tax Advantages
• Low Financial Risk
• Time Freedom
• Gaining Marketing Experience

Helping others qualify for a home loan is very satisfying. Join our affiliate program and get paid to help others buy a home.

There are also many additional benefits to becoming an affiliate marketer that are often initially overlooked. When I first became an affiliate marketer I had no experience in marketing, having never owned a business before. The education and training that I received when I began was priceless! I gained both the knowledge and experience required to run a home business.

Enter your information in the form at the top of this Website if you are interested in learning how to earn $100 to $200 a day as an affiliate marketer.

3 Things You Can Do To Give Yourself Financial Peace of Mind NOW!

1. Create a budget and stick to it.
2. Improve your credit score.
3. Get an unsecured debt consolidation loan.

Unsecured debt consolidation loans

Bankruptcy is an ugly word, but a very real possibility to many people struggling to pay a laundry list of bills that never seem to end. At times, that pile of bills seems impossible to deal with, a mountain you’ll never get out from under without taking drastic measures. But bankruptcy isn’t the only alternative to a life chained to the never-ending cycle of bills, late fees and more bills.

Think about consolidating your debt in a single loan if you have good credit, a form of refinancing that helps you put your finances back in your control and your life back in order. But refinancing is for people who own a home, right? What if you don’t have a home, or you don’t want to risk losing it by putting it up for collateral? That’s where an unsecured debt consolidation loan comes into play.

Unsecured debt consolidation loans do not require collateral but they do require good credit. You can pay off all your other creditors and keep your house – or lack thereof – out of it. Lenders are able to stay in business by covering their risk with higher interest rates than they offer on secured loans.

But this can still translate into lower monthly payments for you, especially if your credit cards carry high interest rates to begin with and you’ve fallen into the trap of paying late and accruing late payment fees. Those disappear when you pay off that debt with the moneys from your are competitive and you may be able to negotiate a better interest rate. It helps to have a good unsecured debt consolidation loan. And don’t forget, shopping around always pays off; lenders credit score since lenders do look at your credit and employment history when they consider you for a loan.

If you shop around, negotiate, and still find that the interest rate is not going to make enough of a difference in your monthly payment to make life comfortable again, consider choosing a long-term loan. While you will generally end up paying out a greater total amount by the end of the loan, lengthening the life of your unsecured debt consolidation loan will lower your average monthly payment. That right there could make all the difference in the world.

Unpaid or slow-paid bills wreaking havoc on your credit score? Most lenders will not consider loaning you money due to your credit history. A good employment history proves stability.

If you bills are getting the best of you to the point that you’re actually considering bankruptcy, stop. Gather up those credit card bills, utility bills, department store card bills, medical bills and any other bill that’s costing you sleep at night. Look into an unsecured debt consolidation loan and see how it can give you peace of mind.

Click here to learn more about financial success.

Word Of Mouth Marketing Stemming From Email Marketing

Sometimes the benefits of email marketing are quite different than anticipated. Most Internet marketers understand the basic concept of email marketing which is to email promotional materials to a large group of Internet users to promote an interest in your products or services. This concept is easy for many to understand but sometimes there are added benefits to email marketing. This article will discuss the basics of email marketing and will also explain how sometimes email marketing can be much further reaching than planned. This additional reach can be either a positive or a negative depending on the quality of the original emails and the reactions of the original recipients.

Email marketing is a very simple concept which is also extremely cost effective. The general idea behind email marketing is that an email is sent to an email distribution list and these emails are intended to create an interest in the products or services offered by the originator of the email. In theory this concept could not be simpler but email marketing can get significantly more complicated. One of the biggest complicating factors is the potential for the emails used in the marketing campaign to be viewed as spam by either the recipient of the email or the spam filter provided by the Internet service provider. This potential alone creates a major complication because Internet marketers have to make a significant effort to assure their messages are not trapped by a spam filter or immediately deleted by the recipients for appearing to be spam.

Once the email messages get through to the recipient, they have a small window of opportunity to make a positive impression on the recipients and influence him to make a purchase or at least visit the business owner’s website. Providing quality content, keeping advertising subtle and at a minimum and providing a clear call to action are all factors which can help to get the message across and entice the potential customer to make a purchase or at least visit the website to research the products and services a little bit more.

As previously stated the goal of an email marketing campaign is to convince the email recipient to either make a purchase or visit the website to obtain more information. When an email recipient performs either one of these actions, it is considered a huge success. However, thanks to the power of the forward button email marketing can actually be much more successful than even the business owner intended.

The great aspect of email marketing is that when the email recipients receive an email which they think is worthwhile they are likely to make a purchase and may also forward the information onto a friend or family member they think might be interested in this information as well. The ability to forward email messages has become comparable satisfied customers using word of mouth to tout the quality of the products or services they received. However, the ability to forward a worthwhile email message is exponentially more effective than using word of mouth to spread the word. With just a few clicks of the mouse, the original email recipient can forward the message to several of his friends at once. This can result in significantly better results than the business owner had originally intended with no additional effort on behalf of the business owners.

How to teach your downline to double their followers in half the time.

According to Wikipedia -
"Twitter is an online social networking service and microblogging service that enables its users to send and read text-based posts

of up to 140 characters, known as "tweets". It was created in March 2006 by Jack Dorsey and launched that July. The service

rapidly gained worldwide popularity, with over 140 million active users as of 2012, generating over 340 millions tweets daily and

handling over 1.6 billion search queries per day. It has been described as "the SMS of the Internet." Unregistered users can read

the tweets, while registered users can post tweets through the website interface, SMS, or a range of apps for mobile devices."
In marketing terms, Twitter is an excellent tool to identify, contact, and connect with your niche market.

You can achieve phenominal marketing results by repeating these simple steps - search, follow, tweet.  Twitter can allow you to

locate your niche market with laser-like precision.  And it allows your niche market to find you easily.

Now imagine what it would be like to double your followers overnight.  Can you picture what your income stream or reader base

would look like?  How many additional people would you be able to connect with continuously?

Simply by repeating these simple steps - "search", "follow", "tweet" faster, you can create an enormous following base instantly.  Take a look at this incredible tool and decide for yourself if you can actually teach your downline how to double their followers in half the time.

Email Marketing With E Newsletters

Email marketing is not just all about unsolicited emails with advertisements making outrageous claims. Unfortunately the abundance of spam which inundates Internet users each day has caused many to formulate a negative opinion about email marketing but savvy Internet marketers who understand how to market successful enjoy an advantage over the competition by turning to e-newsletters to reach more potential customers. This article will discuss e-newsletters and how they can be used effectively as part of an email marketing campaign.

An e-newsletter is very similar to newsletters which are printed and distributed via mail or other avenues. The most significant distance is the method of distribution. While traditional newsletters are typically mailed to the recipients or distributed in person, e-newsletters are distributed exclusively online. These e-newsletters may be either emailed in the body of an email message or may be included as a link in an email which directs the recipient to the website for the e-newsletter. In either case the recipient can read the e-newsletter while online and print it out or save it to their hard drive for future use.

The contents of an e-newsletter may vary somewhat drastically depending on the business the e-newsletter is promoting, the purpose of the e-newsletter and even the personal preferences of the business owner and the employees producing the e-newsletter. However, the general format for an e-newsletter is to include useful information in the form of full length feature articles or shorter pieces offering useful tips. The e-newsletter should also contain at least some subtle advertising for the products and services offered by the producer of the e-newsletter. These pieces of advertising should not be blatant and should allow readers of the e-newsletter to formulate their own opinions regarding the products or services.

The content of an e-newsletter should make up the bulk of the document. This may include full length feature articles which provide information for the readers. It may also include shorter pieces which may offer tips, review products or offer advice to the reader. The key to providing high quality content in these e-newsletters is to have them written by a capable writer who is knowledgeable about the subject matter. The writer may have an understanding of the subject matter or may simply be able to research the subject and learn enough to write accurate and informative articles on the topic. In either case the distributor of the e-newsletter should carefully review the content for both quality and accuracy before publishing the e-newsletter.

Distributors of e-newsletters should also consider including graphical elements into their e-newsletters. This may include product pictures or any other relevant graphics which provide meaning to the text of the e-newsletter. A graphic designer can assist you with this endeavor by helping you to create graphics, crop them appropriately and place them in a prime location on the layout of the e-newsletter.

Finally, distributors of e-newsletters should carefully consider their audience before using email for marketing purposes. The primary consideration should be whether or not the target audience is likely to be receptive to marketing in the form of emails or an e-newsletter. If they are likely to respond to this type of marketing it is worthwhile to pursue an email marketing campaign. However, care should be taken to ensure the emails sent to the target audience are designed specifically to appeal to these potential customers. This type of specialization should include the type of language used in the copy, the layout of the email or e-newsletter and the graphics used in the email or e-newsletter. Additionally, the copy should be filed with information which will be useful to the recipients. Another factor to consider is to whom to send the emails. Sending these emails to a large group of recipients who have not requested information from you and have no interest in your products and services is a waste of time. It is a better idea to ask customers and potential customers if they are interested in receiving more information and having them join an email distribution list if they wish to receive more information. Sending your emails to this distribution list ensures the majority of recipients will have an interest in your products or services and are not likely to automatically delete your emails as spam.

Email Marketing Strategies

Email marketing is becoming extremely popular but this does not mean all business owners know how to run an effective email marketing campaign. However, those who are well versed in the subject of email marketing and have experiencing using popular strategies effectively are likely to gain a huge advantage over their competitors who do not have these skills. This article will provide useful information for business owners who are hoping to improve their sales or website traffic through effective email marketing.

If you do not have a great deal of information about email marketing and do not fully understand the principles involved one of the best ways to orchestrate a truly effective email marketing campaign is to hire a consulting firm with a proven track record in promoting business through email marketing to assist you in your endeavor. Similarly to traditional marketing such as radio, television and print media, the popular strategies governing email marketing are changing constantly. As a business owner you likely already have enough to deal with trying to stay up to date on business practices that you do not have the time, energy or finances to also stay up to date on the latest changes in email marketing.

For this reason it is certainly worthwhile to hire a professional in the email marketing industry who can devote himself full time to keeping up to date with the most effective email marketing strategies and designing an email marketing campaign for our business to help you achieve your business related goals. However, selecting a consultant from the many options available can be downright overwhelming. In general you should look for a consultant who has a great deal of experience, a proven track record, listens to your questions carefully, explains concepts simply and makes your project a priority.

Another popular strategy for email marketing is to offer an email correspondence course on a subject closely related to your website or the products or services you offer. These correspondence courses should include a number of short segments, provide useful information, be of interest to your intended audience and should also help to promote your business in some way. The simplest way to promote your business without having your correspondence course deemed to be spam is to use a soft sell approach to subtly urge readers to make a purchase or visit your website for more information.

Publishing and distributing period e-newsletters is another example of an email marketing strategy which can be highly effective. An e-newsletter is very similar to a newsletter which is printed and distributed by conventional methods such as mail delivery. The bulk of an e-newsletter should be quality content in the form of featured articles, short articles containing useful tips or product reviews. The e-newsletter may also contain graphical elements. These elements may simply be graphic designs or they may be graphics which also serve as links. The links may direct traffic to your website or to other websites. Finally, your e-newsletters should contain some type of soft sell sales approach. It is important to not make the sales pitch blatant as this may result in the e-newsletter being considered spam. Finally, the e-newsletter should contain a call to action urging the readers to either make a purchase or visit your website for more information.

Regardless of the method of email marketing you opt to utilize, one of the most important strategies is to evaluate the effectiveness of your email marketing on a regular basis. This is critical because elements of your email marketing campaign which are not working should be weeded out. Likewise elements of your marketing campaign which are enjoying a high degree of success should be utilized more often. For example if you notice there is a spike in sales or website traffic each time you issue an e-newsletter, it might be worthwhile to begin issuing e-newsletters more often. This type of evaluation and feedback can turn a moderate success into a huge success.

Creating Email Lists for Marketing Campaigns

If you plan to do some Internet marketing to promote your business endeavor, you should seriously consider email marketing as at least one tier of your Internet marketing campaign. Many business owners shy away from email marketing because they believe all email marketing campaigns are purely spam. However, this is not true and not partaking in this type of marketing can cause your business to lose out on a great deal of business. By not appealing to potential customers via email, your business may lose a great deal of business to competitors who are using email marketing campaigns to reach customers around the world. However, the first step of an email marketing campaign should be creating an email distribution list. This article will discuss some popular options for doing this and should help to the reader to learn more about what is acceptable and what is not when it comes to email marketing.

Once you have made the decision to start using email marketing to promote your business you are likely facing the dilemma of compiling an email distribution list. This is essentially a list of email addresses to which you will email your advertising and promotional materials. One common way to gain a list of email addresses is to purchase a list from distributors. However, this method is not very effective at all and we do not recommend it. The problem with purchasing an email list if you have no way of knowing whether or not the members of the list would have any interest at all in your products or services. This is very important because while you want to reach a large audience with your email marketing you also want this audience to be members of your overall target audience.

When you purchase an email list you may be sending your email messages to some users who might be interested but this is largely coincidental and is not likely to be well received because the message was not solicited. Internet users are very quick to delete materials they believe to be spam without even opening or reading the emails. In fact some Internet service providers include spam filters which may automatically delete your emails if your messages are deemed to be spam. These filters run complex algorithms on the subject heading and content of the message to determine whether or not it is spam and are quite adept at weeding out spam. Therefore you run the risk of having your email marketing effort turn out to be a complete waste if the majority of recipients never even read or receive the message.

A far better way to create an email distribution list for your email marketing campaign is to ask current customers as well as interested potential customers to register with your website to receive additional information and periodic updates about your products and services as well as other information which might be of interest to them. This provides you with a database of email addresses from current customers as well as potential customers who have a genuine interest in your products and services and who are interested in learning more about these products and services.

Once you have a list of interested customers or potential customers you can send emails or create e-newsletter for distribution to the members of your email list. These documents should contain a wealth of valuable information as well as a soft sell pitch for your products and services. This information will be valued by the readers and may help to persuade them to try your products and services. You might also want to include useful links to either your website as well as other websites which may be of interest to your readers. Your content should also contain a portion which urges the reader to take a specific action such as making a purchase or at least investigating a product further.

How can I get money?

Do you find yourself asking the questions "how do i get clients?" or "how do i get customers?" or "where to find customers?"? Maybe you wanted to learn the secrets of "how to" entrepreneur and "how to" do the business after you learned how to start a business. What are the strategies of marketing anyway? Do these provide ways to get business? Once you learn how start a small business, you should have a firm grasp on how to find business and how to get clients.

You should then be answering the question of "how do i get more business?". Learning how to get clients is part of learning how to do marketing in order to attract new customers and get customers. Learning how to get customers is a continous part of running a small business and marketing. People ask me "what is small business marketing?". Small business marketing involves understanding who your customers are and where they can be found. Marketing for the small business can be done on a shoe string budget. Marketing a small business on the Internet can be extremely effective if you understand the key strategies. Once you learn how to get a customer, you repeat the process faster in order to make good money.

The small business marketing plan you create should show you hot to get clients which will also show you how to get good money with your small business. How you start a business should depend on your marketing plan.

Your marketing plan should be updated regularly in order to reveal to you how to get new customers. More customers should be your goal and the marketing plan will help you figure out how to find customers.

Small business marketing is the key to sucess and there are ways you can learn about marketing strategies for a business which will reduce the time required to find new customers. A business marketing plan will allow you to determine how to get customers as well as how much it will cost to get customers. When you create your small business marketing strategy, you should evaluate the numerous ways to find new customers. Determine which methods will provide the greatest payoff in terms of results compared to money and time.

Creating a small business marketing plan should be done before starting a small business. The marketing research should indicate the level of demand for your products and/or services as well as information about your prospects. Your marketing plan should provide the methods for finding new customers as well as attracting customers to your business. Once you determine where you find customers and the effort to get customers, you can then determine whether or not to continue with your small business idea.

Learn How to Grow Your Business Exponentially

How to Make More Money With Viral marketing

MLM or network marketing can be thought of as a type of viral marketing. The concept is that I tell you something or offer you something of value and encourage you to tell several others. You ask them to tell several other people and so on.

The more people who hear about your opportunity, the higher the chances that you will recruit people and/or sell them a product or service. You will increase your income when more people hear about your opportunity or see your online presentation.

The challenge is to present your opportunity to more people in less time.

From Wikipedia, the free encyclopedia
Viral marketing, viral advertising, or marketing buzz are buzzwords referring to marketing techniques that use pre-existing social networks to produce increases in brand awareness or to achieve other marketing objectives (such as product sales) through self-replicating viral processes, analogous to the spread of viruses or computer viruses (cf. memes and memetics). It can be delivered by word of mouth or enhanced by the network effects of the Internet. Viral marketing may take the form of video clips, interactive Flash games, advergames, ebooks, brandable software, images, or text messages.

The ultimate goal of marketers interested in creating successful viral marketing programs is to create viral messages that appeal to individuals with high social networking potential (SNP) and that have a high probability of being presented and spread by these individuals and their competitors in their communications with others in a short period of time.

Hotmail is a prime example of successful viral marketing.

Learn How to Grow Your Business Exponentially

This time-leveraged marketing technique will allow you to exponentially grow your business. You will have the ability to present your opportunity to more people than ever before by following the instructions provided.

Look at the possibilities of telling 3 people about these techniques and encouraging them to tell 3 other people.

Let's say that you decide to follow the steps right now. Now let's say that one hour later, 3 people whom you know and informed about this same marketing opportunity decide to follow the same steps. Let's imagine this recurring for the next twelve hours. Three people informing three others each hour for the next twelve hours.

Exponentially this would be 3^12 or 3 to the 12th power. A really huge number! Reality is that some people will be away from their computer and won't be able to check email for a day or two. There may also be some people who just won't believe this will work for whatever reason.

So, to bring the number more in line with reality, let's say that the actual number is a mere fraction of 3^12 which is 531,444. Let's say that only 1 out of 100 people are actually following the steps. This brings us to 5,314 people in twelve hours visiting your Website.

Having a hard time believing this is possible? What about 1 out of 1000 people or 531 new visitors in twelve hours? Still doubting the number? What if only 1 out of 10,000 people followed the steps? This would be 53 people in twelve hours visiting your Website, every twelve hours.

106 more people than you currently have would be visiting your Website every day just by following the simple steps outlined below.

How would your life change if more of these interested people visited your Website daily?
How much more money could you make by getting one extra recruit or one extra sale per day with the extra traffic?
How much time could you save by using the proven viral marketing technique?
How could others in your business benefit by following the steps?

Step 1.

Get your Free copy of 3 Free Viral Marketing Tools E-book.

Step 2.

Tell 3 people you know about this. The Web address will be filled in automatically when they receive the email. You can enter something like "This is a great way to get more traffic." in the message section. Click here to tell 3 people.

Step 3.

Add your opportunity details to the Opportunity Directory.

"Be prepared, work hard, and hope for a little luck. Recognize that the harder you work and the better prepared you are, the more luck you might have."

Ed Bradley

Eliminating debt is the focus of more and more people these days. Perhaps it is due to the recession and the lack of personal wealth. Bad debt results from financing things (using your credit card to buy things) that can be consumed such as dining out, clothes, auto repairs, and even groceries. Too much bad debt can create an unhealthy financial situation. When you calculate the amount of total debt you are carrying including your mortgage, car note(s) credit cards, medical expenses, and others, the total can be quite staggering. Now calculate how much bad debt you are carrying in order to understand your true financial situation.

If you are serious about eliminating your debt, follow the steps outlined below:

1. Determine why you want to eliminate your debt.

Understanding why you want to eliminate your debt is critical. The reasons you want to eliminate debt will be a constant reminder to you when things get tough that it is worth the effort.

Do you want to eliminate your debt in order to save for retirement? According to an article in MSN entitled Retirement crisis: From bad to worse, the Baby Boomers and the post-boomer generations are facing a retirement crisis. Many Baby Boomers have tapped into their retirement accounts in order to pay their bills as a result of the high unemployment rate and the recession.

Do you want to eliminate your debt in order to establish an emergency fund? Has life ever thrown you a curve ball? Do you think it is possible that you will be thrown another curve ball? The point I'm trying to make here is expect the unexpected. An emergency fund will allow you to sustain your standard of living should you lose your income source. An emergency fund of three to six months is recommended. You can calculate the amount you need for an emergency fund by multiplying your monthly expenses by six. The emergency fund should be accessible but only in the event a sudden loss of income occurs. Having an emergency fund provides a sense of security and may help reduce your stress levels.

Do you want to eliminate your debt in order to establish or contribute more to your children's college fund? Do you realize that over the past 35 years, the cost of college has mushroomed by 1000%? At the same time, the importance of higher education has increased by the same amount. College degrees and in many cases, graduate degrees are required in order to obtain employment in the United States.

Do you want to eliminate your debt in order to spend more time with you hobbies, buy an RV, or take a vacation? Do you want to eliminate your debt in order to support the church or charitable organizations? Do you want to eliminate your debt in order to start a business and live the life of your dreams. Do you envision the day when you can devote all of your time and energy to your own business?

2. Put together a plan.

Having determined the reasons for eliminating your debt, it is now time to put together a plan. Your plan should include a set of goals with associated timelines for eliminating your debt. For example, one goal would be to eliminate all credit card debt within one year from today. Or perhaps, eliminate all medical bills within six months from today. Write down your goals along with the respective deadlines. Setting goals and writing them down are crucial to your success because you simply cannot go somewhere if you do not know where you want to go.

When creating a plan to eliminate credit card debt, many financial experts advise that you eliminate the credit card debt with the highest interest rate first then proceed to the next highest. For example, let's say you have four credit cards. The interest rates are 23%, 19%, 16%, and 12%. Their approach would be to pay additional money to the credit card company that is charging you 23% and once that balance is reduced to zero, pay additional money to the credit card company that is charging you 19% and pay off that credit card's debt and so forth.

You want to take the balance into consideration when developing a plan to eliminate credit card debt. It may be wiser to pay off the credit card with the lowest balance then put that credit card in cold storage. Pay the credit card off with the next lowest balance using the additional money that is now available and so forth.

Whichever strategy you choose, remember to write down your goal and timeline for each credit card. The same process can be used to eliminate medical bills, car notes, and even your mortgage if you wish.

Eliminating your unsecured debt with the help of debt consolidating or debt settlement companies will allow you to eliminate your debt in a shorter period of time but your credit will be adversely affected. Debt consolidating companies actually work on behalf of the credit card companies and negotiate to lower interest rates with them. Your debt remains the same. Only the interest rate changes. Your payments may increase due to the shortened time frame negotiated for payoff.

Debt settlement companies will negotiate to actually reduce your debt owed to each creditor. In some cases, your debt can be reduced as much as 75%. You can eliminate your debt quicker can pay less money to eliminate your debt with debt settlement rather than debt consolidating companies but remember your credit will be adversely affected by using the services of debt settlement companies.

3. Execute your plan.

Now that you have your goals and timelines as well as your plan, it's time to put it into action. Take action immediately and don't procrastinate. "To think too long about doing a thing often becomes its undoing." ~Eva Young

It's important to imagine a debt-free life. Motivate yourself by visualizing how life would be without the debt you wish to eliminate and remind yourself of the reasons you wish to eliminate your debt.

Celebrate each achievement and reward yourself, without adding to your debt of course. Take pride in the fact that you are on the road to a better, less stressful, and happier life.

Never give up on yourself or your dreams. Article Source: http://EzineArticles.com/4862958

Auto Pilot Income - How to Make Thousands of Dollars Working From Home

Many people today are looking for ways to make money from home in order to supplement their income. They are looking for ways to make money without putting in a 40-hour work week. Fortunately for them, there are plenty of what I call "Auto Pilot Income" opportunities. These opportunities will allow you to make several hundreds or thousands of dollars monthly from your home without requiring you to make a full time effort.

The key elements of the Auto Pilot Income opportunities are advertising, fulfillment, need, market size, and urgency. Mastering each of these elements will allow you to become very successful and achieve the financial goals you have created for yourself. A brief discussion of each element follows.

Advertising - People need to know you have something to sell them. Connecting the buyer and seller is what advertising is all about. Putting your message in front of the prospect and allowing them to evaluate it and take action. There are many ways to advertise in this age. One of the most popular methods is online and more precisely pay per click advertising. With this method, the advertiser (that's you) only pays the advertising fee when someone clicks on the advertisement. If your campaign is setup correctly, it's a great way to ensure that the people you are trying to target are seeing your ad. There is a bit of a trial and error period for novices but there's plenty of resources to steer you in the right direction as well.

Word of mouth advertising is also still popular as evident by the number of network marketing systems in place. Network marketing is a great way to inform people about you and your product or service. It's a low-cost method that allows for a somewhat personal touch. Given enough time and with enough people, you can communicate your message to the masses in a very effective manner.

Print advertising is still alive and well but not as popular as in previous times. People still read newspapers and magazines but the majority of your prospects will be online these days. You should attempt to negotiate a hard bargain when it comes to print advertising. Be sure you get the facts on how many people receive the periodical and the frequency it goes to print. Also ensure that your ad is picture perfect before it goes to print because it can't be updated once it has been printed.

Fulfillment - There was a time when a business owner received an order, packaged the product, and shipped the order to the customer. Now, with the help of technology, the business owner can be thousands of miles from the fulfillment center. Many products that are shipped come from warehouses in which the business owner rarely visits. An order can be placed online then sent to the fulfillment center. The fulfillment center staff receive the order, package the product, and ship it to the customer. The business owner is not tied to the warehouse and in many cases, is unaware of the fulfilled order until he or she reviews the production reports. There are many companies that excel in fulfilling orders and will gladly take the responsibility off of your hands, for a small fee of course.

There are also many companies that provide services that once were the sole obligation of the business owner. These companies can learn about your business, train their representatives in the most efficient manners to provide the quality services the business owner once provided. Outsourcing has become a very popular strategy for large companies but the small business owner is learning how to profit from the strategy as well.

Need - Regardless of the type of advertising you select and whether you fulfill the product or service personally or outsource those tasks, it is imperative that your business addresses and solves a need in the market place. Without a real need, it is going to be difficult to convince someone that your imitation alligator laptop carrying case is a real bargain - at any price!

Identifying a need is critical and should be the first step when starting a new business or launching a new product or service. What is it that people are willing to pay their hard-earned money for these days? What is going on in the world around you? Where are people going? What are people doing? What will people be doing? Ah ha! Being able to predict the future is necessary if you want to be successful with identifying a need. Before you go digging through your attic for the crystal ball that you're now seeking, let me assure you that there are plenty of market research companies that have put a lot of time and effort into predicting the future for you. There are countless marketing reports available at a price that will help you in your search for a need.

There are also numerous resources that will help you gather your own market data. The point is that a need must be uncovered before money or energy is spent on advertising. One such need that has been covered in depth recently by the media is retirement and more specifically, retirement for baby boomers. Many baby boomers are quite concerned about their ability to afford retirement. Many surveys have shown that people from this group are delaying retirement and working longer because they have not saved sufficiently for their future.

Market Size - Size does matter in this case. Your market size will determine how much money is available for your product or service. Do you want to be a big fish in a little pond or a little fish in a big pond? The market size should be large enough to accommodate you and future competitors that Carpe Diem also. Is your market large enough locally or will you need to launch a national campaign in order to reach your financial targets?

Taking the baby boomer market example which, by the way, consists of approximately 77 million people, one can see numerous opportunities or needs within one group. 77 million people is a really big market. As a matter of fact, many of the large companies in the world today have been marketing to this group for a long time. They see the importance of reaching this target audience because of the size of it as well as other reasons.

Urgency - This is what is used to get them off of the fence. Retailers use one-day only sales in order for customers to pull out their wallets. "This opportunity won't last long" is common among advertisers stressing the deadline for a particular promotion. Without urgency, your prospects will delay their decision to purchase until they have enough reason to purchase (if any). Urgency must be created so your prospects will take appropriate action which is to buy what you're selling.

Many online business owners utilize limited-time promotions or limited inventory in some cases in order to create a sense of urgency. The prospect needs to feel compelled to take the next step if you are going to be successful. Do you think the baby boomers facing retirement feel a sense of urgency? Are they running out of time and options? How serious would it be if they ran out of money? Do you get the picture?

Becoming successful with the advertising, fulfillment, need, market size, and urgency elements will ensure your financial success.

The Internet has changed the way commerce is conducted in many ways. The Internet, the right opportunity, and an open mind can provide you with everything you desire.

The Rush is On

Let’s assume that you are contemplating investing in gold.

According to Wikipedia, of all the precious metals, gold is the most popular as an investment.[1] Investors generally buy gold as a hedge or safe haven against any economic, political, social, or fiat currency crises (including investment market declines, burgeoning national debt, currency failure, inflation, war and social unrest). The gold market is also subject to speculation like most commodities, especially through the use of futures contracts and derivatives. Gold is also money, although it is treated by some investors as a commodity.

You probably have heard or seen a lot of news about gold recently. That is the primary reason I decided to touch on the subject of investing in gold. Let’s examine the definition provided by Wikipedia. “Investors generally buy gold as a hedge or safe haven against any economic, political, social, or fiat currency crises (including investment market declines, burgeoning national debt, currency failure, inflation, war and social unrest)”. Have we seen an economic crisis recently say beginning in 2008? What political event is scheduled to take place in November? Has the national debt increased or decreased over the past 3 years? What are U.S. troops doing in Afghanistan these days? Anything going on in let’s say Venezuela or North Korea? Is gold a risky investment according to the information we have seen thus far? It definitely would appear to be.

“The gold market is also subject to speculation like most commodities, especially through the use of futures contracts and derivatives.” Speculation is how I lost $90 at the craps table in Vegas last year. The free drinks were cold and so were the tables. I learned not to speculate especially with my hard-earned money.

Is India going to produce more gold and introduce it into the market this year? How about Australia? Supply and demand can change over night without your permission, or knowledge for that matter. What control do you have over the market? How can you influence the gold market in your favor?

What about this word “derivatives”? Where have we heard about those recently? Weren’t they involved in the financial meltdown in some way? What will happen if China enters the gold derivatives market? Let’s see, we had the Dot Com bubble until 2001 then it busted and led to recession. We had the housing bubble until 2007 and we are still trying to determine if we are in a recession or a depression from that bust. Are we creating our next economic bubble? Fool me once, shame on you. Fool me twice, shame on me.

Investing in gold has a sexy appeal on the surface but do you really want to gamble with your money? How can you recoup it once it’s gone? Will you have time to make up lost ground? How comfortable do you really feel about investing in gold? Doesn’t putting your money in high return – low risk investments sound like a better way to go?

So if the stock market and the gold market are extremely volatile, where should you put your money if you want it to grow?

Tune in next time for more clues.

How to Prosper in a Recession

Remember when Social Security and Medicare were the main subjects of conversation. In 2005, the Social Security trustees admitted that Social Security would be insolvent by 2017 due to the number of people reaching retirement age versus the number of people paying into the program. More benefits will be paid out that will be paid in by taxes. The program is expected to go broke by 2041 according to the trustees. These headlines are no longer getting our attention thanks to the financial storm we are in currently. Experts agree that we are in a recession. By definition, a recession is two consecutive quarters of negative growth in the economy. The effects include escalating foreclosure, bankruptcy, and unemployment rates. In October 2008, the U.S. Department of Labor announced the unemployment rate was 6.5% which is the highest rate in 5 years. People worry about their incomes and spend less, causing the economy to shrink more. If there is too much of a downward spiral, it becomes a depression. It's not surprising that 77 million baby boomers are nervous about retirement. This article is intended to provide hope to anyone who has been a financial victim of the financial crisis that many have compared to a financial hurricane Katrina. Begin by organizing your debt. Your debt could be dragging you down more than you realize during a recession than any other time. There are several ways to seriously handle your debt:

Create a budget and get control over your spending IMMEDIATELY! Put yourself in a situation where you have as much cash as possible. Put a handle on the amount of money you're spending. Reduce unnecessary expenditures. Put off the around the world cruise until the economy is in positive territory and there are no threats to your income. Create an account at your bank and use it as an emergency fund if you don't already have one. The goal is to have at least one thousand dollars in the account as soon as possible. It is to be used in cases of emergencies not to replace income. An emergency fund will help reduce the stress levels as well as cover for the unexpected events in life that would otherwise put you further into debt. Attack debt aggressively! There are several options to getting out of debt:

Eliminate debt with highest interest rates.

Many financial planners advise that you begin paying off your credit cards with the highest interest rates first. Their reasoning makes sense but you may want to begin an aggressive campaign to pay off the credit card with the lowest balance first then making extra payments on the credit cards with the highest interest rates. This will provide you with a sense of accomplishment as well as additional money to put towards the remaining credit card payments. Consolidate your unsecured debt. You probably have heard of non-profit companies offering debt consolidation services. What these companies do is negotiate with the credit card companies on your behalf to lower the interest rates. Your total monthly payment will remain the same or it may increase if the debt is to be paid off in a shorter period of time than the normal time period. For example, let's say you have four credit cards and owe $12,000 in total credit card debt. And let's assume that it will take you eleven years to pay off the balance by making the minimum payments. A debt consolidation company will negotiate lower interest rates with the credit card companies in order for you to pay off the balance in less time. This may cause your monthly payment to increase and it will also negatively affect your credit report because this type of service is considered to be third party intervention which appears on your credit report as a bankruptcy.

Settle your unsecured debt. The services of a debt-settlement company are much different than the services of a debt consolidation company. Debt-settlement companies negotiate the debt balances with your credit card companies on your behalf. Using the example above, your debt could be lowered by as much as 80% as a result of the negotiations. You would be making payments to pay off a $2,400 debt balance rather than making payments on your original $12,000 debt balance. Your monthly payments would be greatly reduced and you could be out of debt within three years rather than eleven. Your credit report will be adversely affected. Your creditors will report late payments or account settled to the credit bureaus. These remarks will lower your credit score and make borrowing for large ticket items difficult.

File bankruptcy. Bankruptcy is designed to help people who are insolvent and cannot pay their debts. Bankruptcy requirements and laws have become more stringent in the last several years for people wishing to apply. Keep in mind that bankruptcy is not a âget out of debt free pass. There are attorney fees and, depending on the type of bankruptcy you are awarded, you may need to continue making payments to your creditors. Obviously bankruptcy reflects negatively on your credit report and can remain on your credit report for up to ten years and can prevent you from obtaining credit, insurance, an apartment rental, and even employment. This choice should be your last resort.

Make more money! That's right. Even in a recession there are opportunities to make more money than you were making before the recession. There are many industries that are unaffected by recessions and there are industries that thrive during recessions. Let's examine the current conditions. Interest rates are extremely low. Ordinarily this would be the ideal time to borrow money or refinance your auto or home. However money is tight. The banks are reluctant to lend money out of fear that the money will not be repaid. With interest rates this low, investors are having difficulty finding investment vehicles to grow their money. The stock market traditionally has provided double-digit returns. Do you think anyone in their right mind is willing to invest heavily in the market today especially after experiencing a 52% decline in just one year? Foreclosures are at record levels and people are struggling to pay their mortgages on time. Even more are having difficulty paying their property taxes.

People are concerned about their jobs. Major corporations have announced significant layoffs which will ripple through the economy. Right time and right place. Taking these conditions into perspective, it would appear that people who could provide information to investors with options to grow their money aggressively (from 8% to 50% annually) with little or no risk, would be in high demand. People who could show others how to begin a business allowing them to replace their income would be in high demand as well because home-based businesses offer tremendous tax benefits as well as income opportunities. Prospering during a recession will require you to organize your personal finances in a way that will free up money. Use this money to create an emergency fund if you don't already have one. Use the remaining money to invest in high-return, low risk investments and to start a tax-reducing business. This business will help investors find opportunities to grow their money and help others concerned about their jobs to reduce taxes and replace their income with a home business as well. When you help enough people, you will prosper and spiral up and out of this recession with enough momentum to put you on the track of becoming extremely wealthy.

Click here if you are interested in learning how to make money from home.

Make Money from Home by Offering a Money-Making Opportunity to Thousands of People

Make money from home by offering a money-making opportunity to thousands of people looking for ways to make money from home. Due to the high unemployment rate and the number of jobs lost due to the Great Recession, more people are looking for ways to make money from home than ever before. You can help them and help yourself at the same time.

But first you need to decide why you want to earn an income from home. Do you want to make money from home in order to take your dream cruise vacation? To build your dream home? To buy your dream car? To put your children through college? To pay your bills? To support your hobby? Write down the reason you want to make money from home. Next write down how much money you want to make from home. Do you want to make $200 a week? $500 a week? $1,000 a week or more? It is important to write down the amount you want to make working from home. Now you have the reason you want to earn money from home as well as the amount you want to make. Ask yourself how much time you are willing to commit to making that targeted amount of money. Are you willing and able to put in full time hours or part time hours? Now you're ready to write down your goal statement. Your goal statement should look something like... I am going to make $600 each week, working 2 hours a day in order to buy my brand new Dodge Challenger.

Now write down your plan. Your plan should support your goal statement. Your plan will be the blueprint for achieving your desired outcome. It is important to consider the options for making money from home. You can come up with an idea and build on it until you are able to make the amount of money you want to make from home. You can buy an existing home business and market it. You can buy a franchise and plug into the system in order to make money. When weighing your options, you will realize it may take more time to develop your idea into a money-making opportunity. It may take less out-of-pocket money but could cost you in the long term when you realize the timely opportunities you could have taken advantage of in order to make money.
Buying a home business will allow you to make money quickly but there will be costs involved. Similarly, buying a franchise will cost money but will allow you to tap into a proven business plan and hopefully, a lucrative market.

Many people do not buy home-based businesses because they are concerned about getting scammed. After all, the Internet is not regulated and there are many fraudulent people who won't think twice about taking your money and providing nothing in return. To test the business opportunity, look for a money-back guarantee or a trial period which required minimum fees. Any legitimate business opportunity should provide you with a way to "test drive" the business before making a financial commitment to it. Very few franchises offer a money-back guarantee or a trial period so be sure to thoroughly investigate the opportunity before purchasing it.

Making money from home with a home business also allows you to deduct certain business-related items from your income taxes. These deductions can save you thousands of dollars a year. Saving money with your business can be just as important in the early years as making money at home. Consider your tax bracket and calculate how much money each dollar of deductions will contribute to the bottom line. Be sure to keep accurate records for all of your business expenses.
There are tremendous opportunities to make money from home and to help others make money from home as well. Being organized will be to your advantage when exploring your options as well as getting started making money. Learning from people who have been successful will save you time and will help you avoid costly mistakes. At the end of the day, keeping the focus on your goal will be the most important aspect of making money from home.

This content is provided by James Riddle and may be used only in its entirety with all links included. James Riddle is providing hope to Americans by helping people prosper financially and get on the path to becoming wealthy through home-based business and work at home opportunities.

Just say "Give Me Money!" and visit http://www.imnotbrokeanymore.com for more information.

How to Buy Your Dream Home

Here is Information on Buying Your Dream Home

Even though it's not easy for everyone to buy a home, it is in fact easier than ever to get a home these days with most lending agencies and banks IF you know how. Even if you don't have a lot of capital or a lot of money to put down, you can still get the home of your dreams at a very affordable price IF you know how.

A lot of us think that buying a home is a tough process, needing a large down payment, although this isn't always the case. Buying a home largely depends on your budget. If you put a down payment on your home purchase, it will go towards your overall purchase. The more money you put down on a home when you purchase, the lower your monthly payments will be.

Those who don't own a home live in rental houses and apartments. This can be a worthwhile solution, although you are still paying money towards your housing that you could instead be putting towards a home of your own. Owning a home is a dream for many of us, especially when it comes to that dream home that we all hope to own one day. Apartments and homes are great to rent - although most will cost you just as much as a mortgage payment - which doesn't make any sense at all.

Instead, you can easily convert your rental payments into monthly installments towards your own home. All across the United States, you can find of lot of banks and lenders that offer easy to get loans for purchasing your own home or real estate property at low interest rates IF you know how. With a lot interest rate, you can get the home of your dreams and enjoy low monthly payments.

Keep in mind, you need to choose a loan plan that's best for you. You can go through a bank, through a lender, or use a service online. There are many different ways that you can go, although real estate agents seem to be the most common now days. Good real estate agents will be more than willing to help you get a great deal on the home, at prices that are right for you. Anytime you buy a house, you should always plan ahead, get yourself a real estate agent, and then pursue your dream home.

If you plan your budget and take things one step at a time, you'll be closer than you think to the home of your dreams. If you choose to keep renting and pay money toward something you don't own - the home of your dreams will continue to slip away. Take action now and stop renting - find the home of your dreams and put your money towards owning it instead.

Click here to learn how to get the best possible interest rate on your dream home. The best possible interest rate could save you thousands of dollars as well as lower you monthly mortgage payment significantly. The best possible interest rate could be the difference between getting your dream home now or letting it slip away forever. Click here now.

10 STEPS TO SUCCESS IN DIRECT SALES

Every year thousands of men and women across America sign on with
direct selling firm-Tupperware, Amway, or a cosmetic
company-hoping to make money enough for new draperies, a new
davenport, or some new clothes. They sell a little merchandise to
a few relatives and close friends. Then they are through. They
quit before they give themselves a chance to learn the basics of
success in sales. "I am simply not a born salesperson," they
often say.

No one is born a salesperson, any more than one is born a doctor
or born a lawyer. Sales is a profession. To be successful in any
profession one must learn not only the basic techniques, but also
how to apply those techniques. Success in sales makes use of all
the abilities one is born with, plus all those acquired through
education and experience.

If you are looking for a career opportunity or "extra income" to
help with the family budget, direct selling offers you
dream-fulfilling possibilities. However, you must give yourself
time to learn the techniques of sales. Ask yourself. "How long
does a doctor to be study? A lawyer to be study?"

WHAT IS DIRECT SELLING?

Direct selling is marketing a product directly to the consumer
with no middleman involved. Most reliable firms are members of
the National Association of Direct Selling
Companies. They bring to the public fine products that are
modestly priced in order to insure mass consumption.

Most direct selling companies furnish their representatives with
a starter kit and essential supplies below-cost prices. In many
instances the investment is under $100.

There is an old adage which says "Give a man a fish and you feed
him for a day. Teach a man to fish and you feed him for a
lifetime."

Many of them were able to change their lives for the better. They
took their families on nice vacations. They purchased a piano or
an organ and provided music lessons for their children. They
saved money for college education. They redecorated their homes,
bought needed furniture. One highly successful saleslady built a
new home.

The rewards of direct selling are many

1. You can be your own boss.
2. You can set your own hours.
3. You can own your own businesses with little or no investment.
4. You can pay yourself more than any boss would ever pay you.
5. You can give yourself regular raises as your business grows.

It is only fair to tell you that there are failures, too. There
are people who will not work for themselves. When working for a
boss, they rise early, are well-groomed, and get to the office on
time. However, when they are their own boss, they are still in a
bathrobe, drinking one more cup of coffee at 11:00 A.M.

If you can be your own boss and discipline yourself to do what
has to be done when it has to be done, direct selling offers a
most unusual earning opportunity.

THE TEN STEPS

Here are ten steps that will assure your success:

1. BE A GOAL SETTER. What do you want to accomplish? Do you want
to save for college education for your children? A new car? A
new home? You can have whatever you want, but you must want it
enough to do the things that have to be done to get it. Whatever
your goal, write it down and set a target date for reaching it.
Divide the time period into blocks of achievement that are
reachable. Work consistently toward accomplishing each day, each
week, each month what you set out to do. Goal-setting is a must
in every area of life. Little is ever accomplished without
definite goals.

2. BE A LIST MAKER. Each evening list all the things you want to
get done the following day. That gives you an organized approach
to each day. As each task is finished, mark it off your list. It
is amazing how much gets done when one works with a
"things-to-do" list. Also, have a notebook listing appointments,
potential clients, repeat clients, and referrals, and keep it
with you at all times. You will be adding to it constantly.

3. BE ENTHUSIASTIC. Enthusiasm is the high-octane "fuel" that
salespeople run on. Enthusiasm generates its own energy. Energy
and good health are synonymous with busy, happy people, people
who are achieving.

4. RECOGNIZE THAT THE MAGIC WORD IN SALES IS "ASK." In direct
sales we don't have to wait for business to come to us. We create
our own business by asking for it. Ask for appointments, then you
can do business. Ask for business, then you will close sales. Ask
for referrals, then you always have a full list of potential
clients. Be quietly, yet firmly aggressive.

5. EXPECT NO'S. Realize that no's are not personal. In sales, as
perhaps nowhere else, the law of averages works. Every no gets
you closer to a yes. Keep track of your ratio. It will help
improve your techniques. Are you getting ten no's to one yes? Is
your ratio five to one? Remember, the yes's are your income. Also
remember that "no" does not necessarily mean "no." Often a "no"
is simply a stall for more time to think. It may be a request for
more information about your product or your service. What your
client is actually buying is assurance. Assure here by your
helpful attitude and your complete honesty, that you want what is
best for her. She will most likely respect you and do business
with you.

6. SCHEDULE TIME WISELY. A schedule is the roadmap by which
salespeople travel. It takes the frustration out of the day. It
assures that the necessary things get done and get done on time.
Plan your work then work your plan.

7. BE POSITIVE IN YOUR ATTITUDE. Success in sales, as in all
areas of life is 90 percent attitude and 10 percent aptitude. All
of us must work at developing habits of constructive thinking. I
am proud to be a salesperson. Sales make the wheels of our
economy turn. Bernard Baruch, advisor to several presidents, is
quoted as saying, "If every salesperson sat down and took no
orders for twenty-four hours, it would bankrupt our country!"
Every company that manufactures any kind of product depends upon
salespeople to move that product. Without salespeople business
would be paralyzed.

Remember, sales is one of the highest paid of all professions.
Statistics show that good salespeople enjoy incomes far above the
average.

8. HAVE AN OFFICE AREA. Most direct salespeople work from their
own homes, but it is essential to have a place where you can work
in a organized and efficient manner. An office plus a strict
working schedule gives you dignity. Both are absolutely essential
for efficient operation and accurate record keeping, so important
to the success of any business.

9. BE INVOLVED. Most sales organization offer contests to
stimulate production. Include winning contests as part of your
business goals. Contests make your business fun as well as adding
considerable dollar value to your income.

10. LEARN TO HANDLE MONEY INTELLIGENTLY. A regular nine-to-five
job usually means a paycheck at the end of the second week.
Direct sales "reps" handle money constantly. Direct sales is
instant income and constant income. Therefore. it is absolutely
necessary to become an efficient money manager.

Deposit every penny collected from
clients into a checking account set up especially for its
business. Since bank statements show an exact record of all
monies collected, and business expenses can be verified by
canceled checks, record keeping becomes simple and accurate.
Everything except a few "petty cash" transactions can be directly
taken from bank statements.

Money saved regularly and put at interest, soon develops a second
income in addition to earned income. A long-term goal, which is
realistic in direct sales, is to be able to live in retirement
off the interest earned on savings.

Would financial security mean a lot to you? If so, ask yourself
these questions:

* Am I honest?
* Do I really like people?
* Am I willing to learn?
* Am I willing to work?
* Am I capable of being my own boss?

If your answers are yes, to find a good product
for the direct sales market, one that you like, one that fills
the need of a lot of people, and go to work for yourself! .You
can turn dreams into reality.

A New Era

On Thursday, June 17 at 8pm ET, a discussion on redefining retirement, especially in terms of preparing for an encore career took place. Moderated by ABC's Charles Gibson and sponsored by Merrill Lynch, the webcast featured the following participants:


Pulitizer Prize-winning journalist Anna Quindlen
Best-selling author Daniel Gilbert (Stumbling to Happiness)
Civic Ventures CEO and co-creator of The Purpose Prize Marc Freedman
Sallie Krawcheck, president of Global Wealth & Investment Management for Bank of America, Merrill Lynch's parent.

As I watched the webcast by Merrill Lynch which is owned by Bank of America, I couldn't resist the feeling that I was watching an infomercial. The stories were about people who were fortunate enough to have pensions that allowed them sufficient financial resources to retire. The point they were making with the webcast is that people need financial advisors and Merrill Lynch has them. Period.

Let's dispel some myths about the most recent recession and what caused it. Everyone who is passionate about politics will quickly point the figure at the other party. It's not a Republican vs. Democrat issue. It's a wealthy vs. middle class and poor issue. The middle class has been systematically eroded for several decades. Need proof? In the United States, wealth is highly concentrated in a relatively few hands. As of 2007, the top 1% of households (the upper class) owned 34.6% of all privately held wealth, and the next 19% (the managerial, professional, and small business stratum) had 50.5%, which means that just 20% of the people owned a remarkable 85%, leaving only 15% of the wealth for the bottom 80% (wage and salary workers). In terms of financial wealth (total net worth minus the value of one's home), the top 1% of households had an even greater share: 42.7%. According to details drawn from the careful work of economist Edward N. Wolff at New York University (2010).

Now look at the salaries of CEO's in comparison to salaries of the average American employee. Look at the CEO compensation of the banks that looted the American taxpayers to the tune of possibly 4 Trillion Dollars! What's that? You thought the original amount was $700 Billion? CNN Money published an article which explores the possibility of the bailout costing much, much more than the original amount estimated. Next look at the salaries of our government (Republican and Democratic) officials compared to the average American employee while you're at it. We pay a lot of money for our leaders. Shouldn't they be doing a better job of leading?

The vast majority of Baby Boomers will be broke before they reach retirement age. This is by design. Do you realize that there are approximately 77 million Baby Boomers? Do you really think the wealthy people driving the economy and the world want all of these Boomers to have wealth when they leave the workforce? The answer is emphatically, NO! The wealthy want these Baby Boomers working for them until they physically can no longer work. Less money for the middle class and more money for the wealthy.

This recession was designed to shift more wealth from the middle class to the wealthy. Think about these questions: How many middle class families have lost their homes? Who owns those foreclosed homes and can sell them again for substantial profits? Who did we bail out with our tax dollars?

Let's look at the facts:

According to a new survey from Allianz Life, more than half of baby boomers fear running out of money more than death. Yet, nearly one-third say they are not too clear about what their expenses will be in retirement and 36% don’t know how long their income will last.

One in five middle-aged workers stopped contributing to their retirement plans in the last year, and one in three has considered delaying retirement, according to a new survey by A A R P, an advocacy group for older Americans
and one in three has considered delaying retirement.

The numbers, from an A A R P survey conducted last month, provide the latest evidence that the deteriorating economy and stock market are creating a less-than-golden outlook for the huge tide of baby-boom Americans surging into retirement age. This demographic, born between 1946 and 1964, numbers around 77 million people.

A new report from the Center for Retirement Research at Boston College says that the older members of the Baby Boom Generation (C R R calls them Early Boomers, those 55 to 64 years old), collectively lost 1 trillion dollars from the peak of the market in 2007 to the bottom in March 2009.

The baby boomer's stock market losses have certainly impaired their ability to retire comfortably. New research suggests that younger people may be even more adversely affected by the stock market drop because they didn’t benefit from earlier bull markets in the 1980s and 90s as fully at the oldest baby boomers did.

There are approximately 77 million baby boomers.

Workers ages 45 and over form a disproportionate share of the hard-luck recession category, the long-term unemployed — those who have been out of work for six months or longer, according to the Bureau of Labor Statistics.

Unemployed baby boomers have been dipping into their retirement accounts in order to pay their bills, buy groceries, and living expenses.

The baby boomers have less money in their retirement accounts because of the stock market crash and the unemployment situation.


Here's a question for you - Why not get out of the stock market fiasco all together? Do you realize that you have no control of your money once it's in play. What do you think will happen to all of your money tied to the stock market once the U.S. goes to war with Iran, North Korea, Venezuela, or any other country for that matter? But you say "my 401(k) is tied to the stock market". Do you realize that the Obama Administration Plans to Seize 401(k) Retirement Accounts? Take a lesson from the wealthy. Invest your hard-earned money in something that pays extremely high returns while limiting your financial risk. Take control of your money instead of letting the bankers control it. It's your retirement isn't it? Then isn't it also your responsibility?

A New Era requires a radical solution. Stay tuned to find out what the solution is and how you can be assured you will have plenty of money now as well as during your retirement.

Creating Wealth With A Small Or Home-Based Business

Millions of Americans are discovering how to attain wealth with a small business. Many individuals are being outsourced due to companies downsizing. This trend is expected to continue due to increasing foreign competition and factors in the US economy. A small business is defined as a business with 10 employees or less. A home-based business falls under the category of a small business for our discussion therefore we are also speaking of home-based businesses. A small business is one of the last significant tax shelters other than a home for middle-income Americans. Individuals can receive tremendous tax incentives with a small business along with income-generating opportunities. Items such as training, books, business meals, entertainment, business travel, payment to family members for employment services, auto maintenance, utilities, a percentage of the mortgage or rent, and others. Tax advice is beyond the scope of this document and the discussion here is not intended to provide advice, strategies, or education on tax subjects. To get the necessary information on small business tax considerations, visit http://www.learnhowtogetunlimitedcustomers.com

The small business should be started with every attempt to make a profit. The IRS allows the business owner time to generate a profit. Most business owners will incur a loss for at least the first year of operation. Some incur a loss the second year as well. If the business does not show a profit by the third year, it is in risk of being labeled a hobby by the IRS. Hobbies are not given the same tax consideration as small businesses therefore the deductions would not apply.

A business owner can employ several strategies to generate wealth. Using the tax deductions allowed by the IRS, a business owner may elect to pay his or her children to help out with the business. The children could put all or a portion of their wages into a tax-deferred college savings fund. The wages would be a tax deduction for the parent and depending on the children's tax bracket, the wages could be tax exempt income for them as well.

Take, for example Bob, who is an employee of a company. Bob receives $40,000 a year from his employer in wages. Now let's say that Bob decides to start a small business. The first year, his business has $12,000 in revenue. The expenses were $15,000 for the first year which included business meals, business travel, educational training (books, seminars, etc), wages to family members, advertising, office expenses (printer, computer, paper, etc), utilities for his office, mileage for his auto for business travel, costs related to manufacturing the product or providing the service, a percentage of his rent or mortgage if his business met the IRS criteria of a home-based business, and other business expenses.

Because Bob's business had a net loss of $3,000 ($12,000 - $15,000), he could report a lower taxable income to the IRS. In other words, he would report his taxable income to be $37,000 to the IRS rather than $40,000. Depending on other things going on in Bob's life, this could reduce his tax liability. The IRS allows for business deductions but does not allow for tax avoidance. Be sure you understand the difference. There are certain items that can be deducted in a small business that could effectively lower an individual's taxable income as long as it is not a ploy to avoid paying taxes. The business owner must make every attempt to make a profit. Otherwise, after the third year, the IRS views the operation as a hobby as stated previously. Again, tax advice is beyond the scope of this document and the discussion here is not intended to provide advice, strategies, or education on tax subjects. To get the necessary information on small business tax considerations.

A business can be established in several methods such as a franchise, multi-level marketing, affiliate, and start from scratch method. A franchise is a method of doing business wherein the franchisor approves a franchisee to use certain processes of doing for an upfront fee and a percentage of monthly sales or monthly profits. It is a cookie-cutter approach to owning a business. Franchises can cost as little as $20,000 and up to several millions of dollars.

Many forward-thinking company executives have adopted the multi-level marketing or MLM technique to selling their products and/or services. With a MLM business, an individual can receive training support, and possibly marketing support from the parent company. A MLM business owner earns a commission on their personal sales as well as a commission on the sales generated by the people they have recruited into the organization once certain qualifications have been met. This type of business can be started with as little as a $49 investment or with as much as several thousands of dollars.

An affiliate business is one in which an individual agrees to market a company's product or service in exchange for a commission. An affiliate usually receives a Website and earns a commission on revenue or leads generated through the Website. Some affiliate programs have a tier structure allowing the business owner to also earn revenue from affiliate members who signed up from their Website.

Starting a business from scratch can be the most risky of all choices. There are many areas that must be explored and mastered in order for this method of business to be successful. Historically, startup businesses using this method have a much higher failure rate than the other startup methods. However you have more control over the service/product pricing, marketing, distribution, and other aspects of the operation. It can be very satisfying when your product or service is delivered in the manner you envisioned.

With the additional income from the business coupled with the tax savings, you could have the opportunity to save more money on a monthly basis toward your retirement funds, college funds, and/or dream funds. If you are able to save this additional money in high earning yields (methods paying high interest rates), you can build substantial amounts of wealth over time. Consider the following:

Saving $500 a month at a rate of 10% for 20 years would result in approximately $102,433 in your savings fund.

Saving $1000 a month at a rate of 10% for 20 years would result in approximately $204, 867. Twice as much as if you were saving $500 a month.

Now consider these:

Saving $500 a month at a rate of 15% for 20 years would result in approximately $137,636 in your savings fund. Over $35,000 more in your fund than if your money was growing at 10%.

Saving $1000 a month at a rate of 15% for 20 years would result in approximately $275, 272. Over $70,000 more in your fund than if your money was growing at 10% annually.

Saving $500 a month at a rate of 20% for 20 years would result in approximately $188,107 in your savings fund. Over $50,000 more in your fund than if your money was growing at 10%.

Saving $1000 a month at a rate of 20% for 20 years would result in approximately $376, 215. Over $100,000 more in your fund than if your money was growing at 10% annually.

This is the magic of compound interest and is how you can generate a great deal of wealth. The key is to maximize, maximize, maximize. Use a small business to maximize your monthly savings contribution. Maximize the amount of interest your money will earn annually. And maximize the number of years the money will grow.

To learn more about maximizing your options, visit http://www.learnhowtogetunlimitedcustomers.com

An Automated Ordering System

When you have an online company, it only makes sense to use all the online resources available. The payments you accept should be credit card and paypal, if you choose. Are you going to accept international orders. If you are going to receive orders daily, which is the goal, you will want to use an online shopping cart that automatically accepts the credit card, approves it and delivers the autoresponder emails and in the end, the product itself. What exactly is an online shopping cart. It is a lot like a regular shopping cart, where you can add or remove items as you please.

It calculates shipping and taxes and the total of the purchase and passes this information along to the merchant account by a secure site, which protects the customers’ information. Choosing a shopping cart is crucial because if you choose the right one, it can double your sales. Imagine trying to purchase a product and you are entering all your information when you order and the pages take forever to load.

Or worse, there are too many forms to fill out or you cannot find the pricing or product list easily. You would abandon that idea pretty quickly. In addition, you will also need a reputable merchant account that can handle the amount of sales you are going to send their way. You do not want to find a merchant account that requests a very high escrow fund, because this can be difficult to come up with. Before you launch your product, you need to make sure you have a way to provide customer service.

You could hire a fulfillment house that takes care of customer service, orders, credit cards, and shipping all at once. But, if you intend to have a lot of business, this is not very cost effective. It would be much easier to take care of the customer service with paid employees and have a special fulfillment house only duplicate, package, and ship products for you.

Learn How to Grow Your Business Exponentially

How to Make More Money With Viral marketing

MLM or network marketing can be thought of as a type of viral marketing. The concept is that I tell you something or offer you something of value and encourage you to tell several others. You ask them to tell several other people and so on.

The more people who hear about your opportunity, the higher the chances that you will recruit people and/or sell them a product or service. You will increase your income when more people hear about your opportunity or see your online presentation.

The challenge is to present your opportunity to more people in less time.

From Wikipedia, the free encyclopedia
Viral marketing, viral advertising, or marketing buzz are buzzwords referring to marketing techniques that use pre-existing social networks to produce increases in brand awareness or to achieve other marketing objectives (such as product sales) through self-replicating viral processes, analogous to the spread of viruses or computer viruses (cf. memes and memetics). It can be delivered by word of mouth or enhanced by the network effects of the Internet. Viral marketing may take the form of video clips, interactive Flash games, advergames, ebooks, brandable software, images, or text messages.

The ultimate goal of marketers interested in creating successful viral marketing programs is to create viral messages that appeal to individuals with high social networking potential (SNP) and that have a high probability of being presented and spread by these individuals and their competitors in their communications with others in a short period of time.

Hotmail is a prime example of successful viral marketing.

Learn How to Grow Your Business Exponentially

This time-leveraged marketing technique will allow you to exponentially grow your business. You will have the ability to present your opportunity to more people than ever before by following the instructions provided.

Look at the possibilities of telling 3 people about these techniques and encouraging them to tell 3 other people.

Let's say that you decide to follow the steps right now. Now let's say that one hour later, 3 people whom you know and informed about this same marketing opportunity decide to follow the same steps. Let's imagine this recurring for the next twelve hours. Three people informing three others each hour for the next twelve hours.

Exponentially this would be 3^12 or 3 to the 12th power. A really huge number! Reality is that some people will be away from their computer and won't be able to check email for a day or two. There may also be some people who just won't believe this will work for whatever reason.

So, to bring the number more in line with reality, let's say that the actual number is a mere fraction of 3^12 which is 531,444. Let's say that only 1 out of 100 people are actually following the steps. This brings us to 5,314 people in twelve hours visiting your Website.

Having a hard time believing this is possible? What about 1 out of 1000 people or 531 new visitors in twelve hours? Still doubting the number? What if only 1 out of 10,000 people followed the steps? This would be 53 people in twelve hours visiting your Website, every twelve hours.

106 more people than you currently have would be visiting your Website every day just by following the simple steps outlined below.

How would your life change if more of these interested people visited your Website daily?
How much more money could you make by getting one extra recruit or one extra sale per day with the extra traffic?
How much time could you save by using the proven viral marketing technique?
How could others in your business benefit by following the steps?

Step 1.

Get your Free copy of 3 Free Viral Marketing Tools E-book.

Step 2.

Tell 3 people you know about this. The Web address will be filled in automatically when they receive the email. You can enter something like "This is a great way to get more traffic." in the message section. Click here to tell 3 people.

Step 3.

Add your opportunity details to the Opportunity Directory.

"Be prepared, work hard, and hope for a little luck. Recognize that the harder you work and the better prepared you are, the more luck you might have."

Ed Bradley

Benefits of helping others buy a house

Maybe it's time to evaluate an opportunity. Below are benefits of becoming an affilate marketer with us:

• Financial Freedom
• High Income Business Opportunities
• Be Your Own Boss
• Success Driven Industry
• Significant Tax Advantages
• Low Financial Risk
• Time Freedom
• Gaining Marketing Experience

Helping others qualify for a home loan is very satisfying. Join our affiliate program and get paid to help others buy a home.

There are also many additional benefits to becoming an affiliate marketer that are often initially overlooked. When I first became an affiliate marketer I had no experience in marketing, having never owned a business before. The education and training that I received when I began was priceless! I gained both the knowledge and experience required to run a home business.

Enter your information in the form at the top of this Website if you are interested in learning how to earn $100 to $200 a day as an affiliate marketer.

SECRETS OF MILLION DOLLAR SALES LETTERS – FOR MAIL CAMPAIGN & INTERNET

Regardless of what you're trying to sell, you really can't sell it without "talking" with your prospective buyer. An in attempting to sell anything on the Internet, the sales letter you send out is when and how you talk to your prospect.

All winning sales letters "talk" to the prospect by creating an image in the mind of the reader. They set "the scene" by appealing to a desire or need; and then they flow smoothly into the "visionary" part of the sales pitch by describing in detail how "wonderful" life will be and, how "good" the prospect is going to feel after he's purchased your product. This is the "body or guts" of a sales letter.

Overall, a winning sales letter follows a time-tested and proven formula: 1) Get his attention 2) Get him interested in what you can do for him 3) Make him desire the benefits of your product so badly his mouth begins to water 4) Demand action from him - tell him to click the right button or send for whatever it is you're selling without delay - any procrastination on his part might cause him to lose out. This is called the "AIDA" formula (Attention, Interest, Desire and
Action) - it works.

On your website, your sales page should be the length of what it would be
if were doing a mailing, or longer if you're using bullets to emphasize benefits to build the desire. Of course on the Internet you don't have to worry about letterhead stationery or the cost of postage, which is a considerable savings. If, however, you want to also do a mailing campaign then the following would apply. The sales letters in mailings that pull in the most sales are almost always two pages with 1 1/2 spaces between lines. For really big ticket items, they'll run at least four pages. - on an 11 by 17 sheet of paper folded in half. If your sales letter is only two pages in length, there's nothing wrong with running it on the front and back of one sheet of 8 1/2 by 11 paper. However, your sales letter should always be on letterhead paper - your letterhead printed, and including your logo and business motto if you have one.

Regardless of the length of your sales letter, it should do one thing, and that's sell, and sell hard! If you intend to close the sale, you've got to do it with your sales letter. You should never be "wishy-washy" with your sales letter. You do the actual selling and the closing of that sale with your sales letter - any brochure or circular you send along with in your mailing will just reinforce what you say in the sales letter.

There's been a great deal of discussion in the past few years regarding just how long a sales letter should be. A lot of people are asking: Will people really take the time to read a long sales letter? The answer is a simple and time-tested yes indeed! Surveys and tests over the years emphatically prove that "longer sales letters" pull even better than the shorter ones, so don't worry about the length of your sales letter - just make sure that it sells your product for you!

The "inside secret" is to make your sales letter so interesting, and "visionary" with the benefits you're offering to the reader, that he can't resist reading it all the way through. You break up the "work" of reading by using short, punchy sentences, underlining important points you're trying to make, with the use of subheadlines, indentations and even the use of a second color, and leaving lots of white space around it. On your website, the sales letter should run down the middle of the page so the viewer doesn't have to keep adjusting the screen to see the whole sentence. This is very distracting and more apt to send that client to another website than losing patience reading a long letter.

Relative to the brochures and circulars you may want to include in your mailing with your sales letter - providing the materials you're enclosing are of the best quality, they will generally reinforce the sale for you. But, if they are of poor quality, look cheap and don't compliment your sales letter, then you shouldn't be using them. Another thing, it will definitely classify you as an independent home worker if you hand-stamp your name/address on these brochures or advertising circulars instead of having them printed.

Whenever possible, and so long as you have really good brochures to send out, have your printer run them through his press and print your name/address - even your telephone number and company logo - on them before you send them out. The thing is, you want your prospect to think of you as his supplier - the company - and not as just another independent entrepreneur. Sure, you can get by with less expense but you'll end up with fewer orders and in the end, less profits.

Another thing that's been bandied about and discussed from every direction for years is whether to use a post office box number or your street address. Personally, I don't like Post Office Boxes in a business address - because it transmits an aura of instability or temporary location. If your business is run from home, get a mail box from a post box vendor that has a street address. Then your address looks like, 1234 Willow Lane, #567, Your Town, and the box number could appear to the reader as a Suite number. However, if you live in a remote area where your address is 7890 Main St., RFD 42, Box 123, Your Town, then you have no choice but to include both your post office box number, AND, your street address on your sales letter. When doing it strictly for your website, put your street address, telephone number, and email address at the bottom of the page. More than likely, the customer will contact you by email, but it conveys dependability if that Internet buyer sees that you're willing to give your address. This kind of open display of your honesty will give you credibility and dispel the thought of you being just another "fly-by-night" mail order company in the mind of your prospect.

Above all else, you've got to include some sort of ordering page or coupon if you're mailing. The coupon has to be as simple and as easy for the prospect to fill out and return to you as you can possible make it. The order page on your website should already be filled out, with perhaps just the shipping left to choice. If your product is an eBook or software to be instantly downloaded, then you don't have any options to be chosen. A great many sales are lost because this order coupon is just too complicated for the would-be buyer to follow. Don't get fancy! Keep it simple, and you'll find your prospects responding with glee.

Should you or shouldn't you include in your mailing a self-addressed reply envelope? There are a lot of variables, as well as, pros and cons to this question. Overall, when you send out a "winning" sales letter to a good mailing list, a return reply envelope will increase your response tremendously.

Tests of late seem to indicate that it isn't that big a deal or difference in responses relative to whether you do or don't pre-stamp the return reply envelope. Again, the decision here will rest primarily on the product you're selling and the mailing list you're using. Our recommendation is that you experiment - try it both ways - with subsequent mailings and decide for yourself from there.