Thursday, November 24, 2011

Ebook As A Source Of Income Online

EBooks: A High Profit, Low-Maintenance Business


If you are serious about making money online, there are a number of ways to do it. One profitable idea is eBooks. They require very little cost upfront and can provide lots of revenue for your business.


What are EBooks?


EBooks are digital reading media that is easy to pass along to others. Many are opting for electronic books over printed books these days for several reasons. One, eBooks are shorter versions of more traditional books that can be created and published by you.

***Highly recommended for reading****

How To Earn Money With eBooks : Self-Publishing Guide


Secondly, eBooks are easy to use and store. They fill files on your computer instead of space on bookshelves in your home. EBooks can be read in PDF format online or printed to take with you. Unlike traditional books, as soon as you order an eBook, you can have access to it in minutes.


What does that mean to you?


Do you like to write? If you have a way with words and a talent for enticing readers, you can use eBooks to bring a profit to your blog or website. Use your niche as subject matter for your eBooks. Since you already have knowledge about, say, Internet marketing, put your experience to work by offering it to others in the form of an eBook.


The cost to you is negligible. With a blog or website, you already have access to the Internet and a computer that is probably filled with software that is needed to work with eBooks: Microsoft Publisher, Adobe Acrobat and Microsoft Word. It is not a matter of creating the inside of the eBook. There are books and online articles that give tips for writing eBooks people will want to read.


EBooks vary in size. You may be able to charge more for longer books or you may command a good price for shorter ebooks that provide very concise and valuable information.


***Highly recommended for reading****

How To Earn Money With eBooks : Self-Publishing Guide



An eBook can be composed in a Word document on your computer. Use Microsoft Publisher to format your work and add extras to attract readers. Turn your Word document into a PDF file for easier downloading and printing by customers.


Selling EBooks


Now that you have created this eBook, you’ll need to find a way to get it into people’s hands. Marketing your eBook follows the same lines as marketing your website or blog.


Use article marketing to draw attention to your eBooks. Create an article series based on your eBook. Submit these articles to article sites and on your blog or website. Give just enough information in the articles to have the reader wanting to know more. In the resource box, mention the eBook and link to your website. Submit articles to social bookmarking sites with links to your website page showcasing the eBooks.


For customer ease, link your eBooks with your checkout process. Once the customer pays (PayPal, credit card, debit card) they will receive a link via email or automatically where they can download your product.


EBooks cost you next to nothing to produce so the money you make is all profit. Turn your writing skills and expertise in a certain area into money for your business.

Wednesday, November 9, 2011

Home Working Data Entry Jobs and How to Avoid Fraudulent Websites

Data entry is an ideal type of home-based job that involves the transcription of certain types of data from one form to another. Examples of data that can be transcribed include symbols, number sequences, handwritten documents, and even simple entries such as names and addresses.

Homeworkers jobs like these do not require a high level of education because what is needed the most is fast and accurate typing skills, an ability to concentrate for long periods and good attention to detail. Since strict requirements are not required to secure these jobs, home working data entry jobs are in big demand. There have been, however, many people who have fallen foul to the scammers who have preyed on these eager, unwary job hunters. Fortunately, there are now some bona-fide websites that are advertising data entry and transcription jobs, and succeeding in finding a reliable data entry job, while avoiding scam offers, is now becoming a reality.

Firstly, never pay a fee up front when looking for a data entry work. Some websites ask for a registration fee before they start dealing with your job request. It is recommended that you explore all other avenues before going down this road. Their offers may appear to be too good to miss and you may find them irresistible, but be sensible and realise you do not have to do this.

Do not be tempted to give them even a single dollar, because there are now legitimate work from home jobs with no startup fee, so keep looking. Bear in mind that genuine data entry job websites will never ask for fees from you. Thus, when a website asks for payment from you, do not waste your time and move on to the next website. This is not how sincere, authentic business is done, and if everyone stayed away from these sites they would fade away!

If you absolutely must go to a site which is charging a registration fee, make it a practice to do some research about the company first before applying for any homeworkers jobs. Read some reviews and feedbacks about the company so that you will have an idea if the company is real and trustworthy.
You can also check with organisations like the Better Business Bureau to ensure that the company has a clean reputation. If there is a phone number listed on their contact us page, do not hesitate to call them in order to find out if they are real. Contacting them via email is another option to find out if they are a certified company.

Avoid home working data entry jobs that promise thousands of projects daily. Some websites are good at attracting desperate job seekers, and they can lure you with false hopes of getting rich quickly. Unfortunately however, doing data entry is a good job but it will not make you rich, and doing thousands of data entries daily is not feasible. There is no such thing as quick-money and getting rich overnight, so be resolved to working hard at a steady job with a fair regular pay.

Finally, have some patience when looking for home working data entry jobs. There are a lot of the data entry job offers online which are total scams, so you have to be very persevering when looking for the real and legitimate ones. It may take you some time to find a real data entry job but if you are persistent and have the aptitude you will find it, and it will all be worth it.

Jane Starr is a psychology graduate, who is a passionate writer and entrepreneur. She is currently giving advice to people working from home. If you want to read about other working at home job ideas visit our website at http://www.jobsbasedathome.co.uk/ for comprehensive help regarding all aspects of working at home regardless of where you live.

View the original article here

Friday, November 4, 2011

10 Reasons To Start Earning An Extra Income Online


Home based businesses to earn extra income have become widely accepted all over the world are spreading like forest fire. They have become most desirable businesses to start for apparent reasons:

Imagine how it would feel to get up at your own sweet time and not hurry to office in the regular chaos of snarling traffic all the while getting choked on pollution. And then, to begin the day as though you are fresh form home and nothing has happened. Listen to the Boss ordering you around and giving you the grind for deadlines.

Extra Income has not hurt anyone up to now, and it should not be hurting you either. If you are willing to do that extra bit of work or travel that extra mile for your boss, I am sure you will be more than willing to do so for yourself, especially if you feel that it would improve the quality of life of you and your family.

Extra Income does not come for free. It involves hard work but of the kind you would want to do. It is not hard work when you are doing what you always wanted. A little bit of inspiration could get you off the mark, wouldn’t it? Let’s get going point wise:

1.         You will be your own boss with no one looking over your shoulder.
            Freedom of time, moment, goals, finances everything left to you.

2.         Work at your convenience. Be your own time master. Flexibility benefits
            are more for mothers and people having other responsibilities apart from
            profession.

3.         Flexibility to do whatever you want to do, whenever you want to do it.

4.         The above factors help you to pursue your regular income job until you
            are sure of the extra income business. You can always switch.

5.         Job security and fear of unemployment vanish.

6.         Sense of pride. Make you more of a complete person who can proudly say
            that he/ she is an entrepreneur who has achieved something.

7.         Self confidence going through the sky. This factor will help you face most
            hurdles in life with a lot lesser heartaches and stress.

8.         Limitations of earning do not exist. You can earn as much as you want by
            just stepping up the speed.

9.         Many countries offer tax benefits for home based businesses, since it is
            considered extra income. So greater credit ratings with lesser tax
            obligations.

10.       You can retire at your own time, at 30 or at 60, it’s entirely up to you.

Success becomes a commodity which you can measure with your own yardstick rather than others, which contributes a lot to your personality and the finances through the extra income you earn. The above reasons are certainly worth a glance if you are considering being successful and independent in life.

Analyze the above points on a piece of paper before making your decision on whether you want that extra income or not. I am very sure you would like to go that extra mile to earn extra money by taking up some online jobs which you can work from home. This is one online job which you should seriously consider because it is free to take up and you make the extra income you need.

Thursday, October 27, 2011

Child Savings Bonds - Essential Investors Guide

This will provide them with a welcome boost as they try to pay for further education or the costs associated with moving in to their own accommodation. Considering the fact that interest also builds on the account over the years, it is a certainty that there will be a lot more in the account when it expires than there ever was put in to it.
How to Start a Child Savings Bond
Child saving bonds can be taken out on behalf of any child under the age of 16. It is essentially the same as opening up any other type of account, with many different banks and institutions offering them to their customers.
One thing to remember when investing in to a child savings plan like this is that it does need to be added to every month without fail. Although this amount is only usually at the most £10, failure to comply with this rule could result in the account's balance suffering through a change in interest or a fine.
How Much Can Be Invested?
When it comes to investing in a bond like this, the maximum that can be placed in to the account every month is £25, up to a total of £270 per year. This applies for every year that the bond runs for, meaning that it is possible to go for over 15 years paying this same amount.
The way that the account is added to is completely down to the individual however. There are generally two different ways, which are a monthly payment or the placement of a lump sum to cover up to ten years. Obviously the latter option will result in a lot more interest being paid on the bond, but it does also mean a significant financial investment at one point.
Should this child savings plan be topped up with the maximum amount each month, the pay-out at the end of the 20 year plan should amount to approximately £3,882 plus any interest. This would obviously be a huge help to the child receiving it.
What are the Advantages?
The obvious advantage to child bonds is that they will accrue interest over the lifetime of their existence, meaning that the amount available upon maturity will be far greater than the amount invested.
The other huge advantage is that they are free from any tax when the money is finally withdrawn, meaning that they recipient gets to keep all of the money for their own uses. This even includes income tax and capital gains tax, although there is the requirement to pay tax on any dividends received.
If you are interested in reading more information about child savings bonds and investment plans then please visit the following links:
Scottish Friendly - mutual societies such as Scottish Friendly supply financial services products. Mutual societies are owned by customers, or members. As a result they have no shareholders to pay dividends to, or to account to, so they can concentrate on delivering products and services that meet the needs of their customers.
Association of Financial Mutuals - you can find out useful information about mutual and friendly societies by visiting http://www.financialmutuals.org/

View the original article here

Thursday, October 13, 2011

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Mutual Funds Performance - Watch 'Em Close!

Your mutual fund investment will be steered by a financial advisor - a mutual fund is a bundle of stocks, or shares, that are chosen for their performance and potential. A pool of investors supports the fund through their financial contributions, and an expert oversees the day-to-day business of setup, share selection, and administration. When you invest in a mutual fund, you are basically entrusting your money to someone else that looks after it for you. Great performance is dependent on knowing the ins and outs of every included company's financial data, projections, and research & development.

When you decide to invest in mutual funds, do it correctly - you must perform two levels of due diligence...one should be performed on the managers themselves...the other should be performed on the shares selected for inclusion in the mutual fund. Skipping either of these crucial steps can be a big mistake you will come to regret.

While it always takes time to perform proper due diligence, it is easier in the digital age. Google your prospective fund company and look for client reviews and other topical information. Check the BBB and see if these financial advisors are on the up and up. Once you're confident that the administrators of your fund are honest and aboveboard, you must also make sure the stocks they choose have a proven track record, or (at the very least) some strong indicators of future growth.

Due diligence is simpler when you learn how to compare publicly traded companies that offer stocks. Look for companies that belong in the same sector (such as healthcare, energy, or communications), then compare their stock market share prices over the short and long terms. Learning how to compare competitors is a valuable skill that will always help you as you begin to trade in mutual funds or other investment vehicles. Once you've completed a comparison of companies in the same sector, match your potential investment stock with stocks in other sectors - how does it compare overall? When you've completed these steps, you'll have the in-depth understanding you need to make a firm decision about mutual funds investment.

Remember, past performance is not always an indicator of future success...many industry sectors are cyclical, and therefore very prone to changes brought about by a series of variables. For example, a fantastic high-tech company may be brought to its knees if an earthquake or flood strikes its main headquarters, wiping out tons of inventory. This is an extreme example, meant to illustrate the changeability of stock market investments. This is why playing the stock market or buying mutual funds will always have a risk element. The best way to cope with uncertainty is through thorough research, and through controlled investments that don't risk too much of your savings or disposable income. Be smart and use every tool at your disposal to analyze a mutual fund before you decide to buy in. Then, monitor your investment closely - once a year updates from your investment firm may not be enough.

Visit David Starling's website to learn how you can make $10K per month in the stock market. See David's article about how trading directly in the USA stock market can make or break your fortune.


View the original article here

Tuesday, September 27, 2011

How to Use Oil Pulling to Detox and Heal

If anyone had told me 3 months ago that I'd be writing about something called oil pulling, I'd have thought they were pulling something else.

I first looked into oil pulling when I was doing research on a completely different topic, but the phrase alone made me back up, out of curiosity if nothing else.

Oil pulling is a very old treatment of Ayurveda and is discussed in the Ayurvedic text Charaka Samhita, where it is referred to as kavala graha or kavala gandoosha. The word Ayurveda comes from the Sanskrit words ayus(life or lifespan) and veda(knowledge) and has been practiced for more than 5,000 years, even though it's only recently become "popular" in Western cultures.

The primary focus of oil pulling is to aid in the detoxification of the body and to correct or maintain oral health. When done properly, the oil helps your body detoxify by "pulling" mucus, bacteria and other toxins out through your saliva. Aside from these expected results, relief of several other health issues have been reported by those who practice oil pulling daily, including the alleviation of allergies, headaches, respiratory problems, skin problems, digestion, heart disease, high blood pressure and diabetes, to name a few.

How to oil pull.

Sesame or sunflower oils are the traditional choices for oil pulling, as recommended in Ayurveda, although people have had good results using other oils, such as coconut and olive. The process is typically carried out out in the morning on an empty stomach, after brushing teeth gums and tongue (without toothpaste).

One tablespoon or about 10ml (5ml for children) of either sesame or sunflower oil should be taken into the mouth without swallowing. Once the oil is in your mouth, tilt your chin up and slowly swish, suck, chomp and pull through the teeth. Aim for 15-20 minutes of this treatment. You will feel the oil become more watery as your saliva mixes with it; after 15-20 minutes it should have become a thin, whitish foam when you finally spit it out. If it's still (more than very slightly) yellow, you haven't done it long enough.

NOTES: Don't gargle the oil - just swish it in your mouth. Take your time. And by swish, I mean swish hard, chew it, swirl it. Please make sure you don't swallow the oil when you are finished - it is filled with bacteria and is toxic. Once you have finished, rinse your mouth and tongue thoroughly and drink 2 or 3 glasses of water. Headaches and a possible worsening of your symptoms are an excellent indication that your body is detoxing and healing.

Wondering yet if I started oil pulling? I'm sure you've guessed that I did. And I still do. From personal experience I can tell you that my teeth are now very white, my gums are pink and healthy and the weird coating on my tongue that I would regularly wake up with has disappeared. Sinus problems are gone, and in a seemingly unrelated category, my feet are smooth and as soft as if I had a pedicure every day. I wholeheartedly recommend oil pulling, and hope to hear from you if you try it!

Grace Gregory is the face behind Natural Traveling, a healthy living website with regularly updated articles ranging from healthy recipes to natural remedies, as well as natural product reviews.

Grace lives in the Green Mountains of Vermont with her husband and two golden retrievers. Natural Traveling can be found at http://www.naturaltraveling.com/.

Saturday, September 24, 2011

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.tk is the Internet country code top-level domain (ccTLD) for Tokelau, a territory of New Zealand located in the South Pacific.

Tokelau allows any individual to register domain names. Users may register domain names free of charge (with some restrictions). In addition to the name itself, users can opt to forward their web traffic using HTML frames and their email traffic, with a maximum of 250 addresses per user log in, or use full DNS service, either via their own or third-party servers, or by using Dot TK's servers. In order to ensure that names are being used, there is a minimum usage policy of 25 hits in 90 days, for both forwarded and DNS only domains, or 10 emails in 90 days for those domains that use only email forwarding. There are also content restrictions for free domains, banning sites containing sexual content, drug use, hate speech, firearms, and copyright infringement.

Dot TK also provides .tk websites with the option to join a network called
TiKinet
, a close-knit network that links sites to each other based on key words called TiKilinks. The network is expected to increase traffic to the websites, many of which are personal sites and blogs operated by individuals who otherwise would have no way to advertise their sites.

Dot TK launched a new service for Twitter users in April 2010,[3] offering a URL shortening service that uses less space than many others, and for Facebook where the user can rename Facebook account pages with a .tk name.

Saturday, September 17, 2011

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Tracking Mutual Fund Performance

Mutual Funds are one of the top investment choices for investors of all ages and styles. A mutual fund is effectively a group of investments bundled together under a common name and managed by professionals who seek to maximize the performance of the fund as a whole. It can provide a full spectrum of investments ranging from safe to risky and targeting a broad swathe of industries and can hedge against market shifts in one sector while simultaneously buying into a boom. Internal fund trades are managed in such a manner that an amateur investor doesn't have to closely analyze the specifics of each and every investment within the fund.

However, even the best hedged and most wisely run mutual fund should be monitored for performance to ensure money invested in the fund is being wisely managed. Watching the performance of mutual funds over time is a vital component of investing in them. Any legitimate broker or other investment entity makes mutual fund performance information available to a current or prospective investor. Usually this will detail it's performance over a number of years, often all the way back to the fund's inception. Changes in the fund's manager should be visible as well as the percentage earnings over year to date, last full year, last full three years, and last full five years in addition to the life of the fund. The percentage of the fund's resources allocated to particular sectors and to which major entities within that sector should also be readily available and should not suffer major changes too frequently.

Finally, this collective investment's rating as published by a reputable rating entity and its fee structure should be easy to find. Online Newspapers like the New York Times tracks the performance of mutual and exchange traded funds - http://markets.on.nytimes.com/research/markets/mutualfunds/mutualfunds.asp. USA Today provides performance information for the largest mutual funds - http://www.usatoday.idmanagedsolutions.com/funds/overview.idms

Tracking mutual fund performance is made possible by the information being published. While a mutual fund is generally an investment made for the long term, it is still essential to keep a close eye on its performance. Many of them change managers fairly frequently and a new manager may well invoke a different investment strategy that changes the trajectory of the fund. Some funds, while performing well in past years, fall into a funk and do not emerge right away. If an investor simply buys into a one and then forgets about it, it could begin to perform terribly relative to the market as a whole and become a bad investment. Keeping an eye on the fund throughout its life provides the investor with an additional hedge against the investment turning bad.

Some things to watch especially closely:

Does the fund's mix of investments indicate a shift to a more or less aggressive strategy?

Do the major holdings in sectors and companies indicate the fund is buying hard into a bubble?

Are the holdings getting too skewed to one particular economic sector so that the entire fund becomes vulnerable to an unanticipated downturn? Or, is the fund just underperforming the market year after year?

Mutual fund investing is not as hands on as trading individual stocks, but it can't just run on autopilot either. A savvy investor tracks mutual fund performance and makes wise, calculated decisions about when to buy in and get out.

For more information on Mutual Funds, visit http://largestfund.com/.

View the original article here

Wednesday, August 31, 2011

What to Know Before You Start Investing in Mutual Funds

An offshore mutual fund is simply a collective investment scheme situated in an offshore financial centre. It has been created to attract investments from both individual investors and corporate investors globally; it is not seeking investment from people or companies residing in the native country where the investment scheme is domiciled. The most popular location for these financial centre's include Jersey, Guernsey Isle of Man, Luxembourg, British Virgin Islands and the Cayman Islands.

Investors should seek information full details on any offshore fund prior to purchase, the power of the internet brings key features and performance history in just a few clicks of the mouse. Look at the cost to buy the fund, the management fee and if any exit fees apply. I good option is to use fund platforms, they will offer discount rates and incorporate added features like email tracking so you can enter the market when prices are most favourable or exit is you have realized a gain.

There are three general investor classes for mutual funds, in most cases the fund managers and the fund research websites will grade each offshore into one of the categories that follow.

Conservative growth offshore funds are suitable for investors who are not money hungry. These investments yield low but stable returns. They are often purchased by older clients to secure retirement benefits for them, and by investors not wishing to incur portfolio losses.

Moderate growth offshore funds have a balanced pattern of growth and risk level in the investment. They are suitable for investors who are neither risk adverse nor risk takers. Almost all investors will have a proportion of their holdings in this sector.

Aggressive growth funds usually show a high potential for growth and involve high volatility as well as risk. Such offshore funds are often coupled with high uncertainty and are not good for risk adverse investors. However, if investors purchase as a long-term hold then when they do perform as expected the upside is often quite spectacular and deemed to be worth the risk taken.

Fund research should also review the market conditions in terms of inflation and interest rates, political stability, international relations and any other global problem that could affect fund profitability. The greatest benefit of mutual funds is that the investor has an easy route to add funds from different markets, different regions, and different risk categories to diminish risk.

Here are a few types of mutual funds: Money market mutual funds involve debt instruments like treasury bills. They gain most of the time but offer very low yield rates. Fixed income mutual securities involve investment in preferred shares, bonds, mortgages and other income securities that by their nature preserve the investor's capital, returns are better than treasury bills since it is a private company not a government that offers these funds for investors.. Equity mutual funds normally trade on investments in the stock market. They often pursue an aggressive growth strategy with high gains expected at the risk of volatility along the way.

The overall performance of mutual funds depends not only on the sector it is invested in, it also depends on how much the management fees are for running that specific fund and at what price you entered that specific fund. By researching market sectors, looking at best performers with sensible management fees and then buying via a discount platform you can make a difference to your overall returns.

For more information contact http://www.oysterbayfundplatform.com/ they offer over 5000 offshore mutual funds at discounted rates. http://www.oysterbayfundplatform.com/

View the original article here

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When To Sell Your Mutual Fund

No one wants to see their mutual fund perform poorly. But when your investment doesn't live up to your expectations, should you succumb to the temptation to sell off your shares and cut your losses as soon as possible? Or, is it better to batten down the hatches and stay stubbornly dedicated to a fund that you've thrown your valuable time researching and hard-earned money into? It's not at all unusual for everyday investors to second-guess themselves about hanging on to their mutual funds longer or selling at the first sign of trouble.

Experts say that investors make bad fund decisions based primarily on emotional reasons. No one likes to admit that after hours of research and possibly thousands of dollars lost, that a mistake has been made. Plus, money managers are always saying that mutual funds are meant for the long-term and to not let the interim ups and downs of the market shake your confidence. So, with just these two things combined, it must mean that you should never sell off your mutual fund, right?

No, actually, this never-sell mindset is all wrong. Before making your initial investment in a mutual fund, you need to specifically take pen to paper and write out your objectives for the investing in this particular fund. When the fund can no longer meet the criteria, you should cut your losses and move onto the next investment. Now, this doesn't mean that you should be a fair-weather investor, only satisfied when things are looking up and skies are blue. Often, your mutual fund will take a hit, but this doesn't necessarily mean that you make an immediate divorce from it. Instead, you monitor your fund over the course of a self-set, pre-defined period, never just a quarter or a single year but perhaps several, to see if performance is turning around.

Nearly every fund is going to have a down year and it's inevitable to always stay on top when the market environment or fund management changes dramatically. But resist the temptation to bail out and sell low - you'll just end up buying high later and that's not a wise or profitable cycle to get caught up in. However, if the years march on and your fund is still tanking or the fund managers have decided to switch up their investing philosophy, it may be completely reasonable to sell your shares and make another investment that better addresses the long term goals of your portfolio.

Todd Denning

Lean Investor

Strategy, suggestions, and solid advice for today's no-nonsense investor

http://www.leaninvestor.com/

View the original article here

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Saturday, August 27, 2011

Six Factors To Consider Before Investing In Your First Mutual Fund

You just graduated from high school or college. You landed a real full-time job. Your first couple paychecks have been cashed. You bought those "I Gotta Have It" items. You started a small emergency savings account. Now its time to start investing some money for other goals.

If I just described you, or you are just ready to get started, it is time to research and invest in your first mutual fund. Once you start, you then need to set up a systematic investment program to make additional contributions on a regular basis. If you do these two things, you will start building a nice investment portfolio.

Why A Mutual Fund?

1. Low Initial Investment: Many funds have a minimum initial investment as low as $100 to $250. This allows nearly anyone to get started and gain exposure to the stock, bond and international markets. There are two ways to begin investing in funds. You can open a Roth or regular IRA account for retirement, a non-qualified brokerage or mutual fund account and if you are really serious... open both.

2. Diversification: One of the greatest benefits of using mutual funds is investment diversification. When you invest in funds, you get a small piece of every stock, bond or international equity that your fund invests in. If you had to do this on your own, it would cost hundreds of thousands or even millions of dollars to participate. You get this diversification in every dollar you invest.

3. Professional Management: Lets face it, investing in the markets can be risky, especially when you are just starting out and your experience is limited. Every mutual fund has a profession management team that has been buying and selling stocks and bonds for many years. When you invest in a mutual fund, you get their services as part of your investment. If you select a great fund with great management, you are sure to have great long-term results.

4. Low Cost: There are many funds out there to choose from, so it is very important to find the best quality at the lowest cost possible. This usually means that you will invest in a "No-Load" mutual fund. No-load means you pay no commissions to purchase the fund and 100% of your money goes immediately into your investment account. You will also want to keep an eye on your mutual funds annual expense ratio which is what the management team charges for their services. These can range anywhere from 0.5% to 1.5% depending on the type of fund that you invest in.

5. Liquidity: Having the ability to get your money quickly if you need it is another great benefit of mutual funds. If you place a trade order to sell (or buy) before 4:00 PM when the markets are open, your trade is guaranteed to be executed at the close of the market that same day. If you place it after 4:01 PM, your trade will be executed at the close of the next trading day. Having this guaranteed liquidity within a maximum of 24 hours is exclusive to mutual funds and adds a great deal of safety to your investment.

6. Return Potential: Probably the greatest benefit to investing in mutual funds is your potential to earn above average investment returns. With bank savings accounts and CD's earning 1% to 3%, getting 6% to 10% annually over time from your fund will have a huge impact on the growth of your investment and the expansion of your wealth. Some mutual funds from the top management companies have even earned higher returns over a 10 and 15 year period. When you find these, hang on to them and enjoy the ride.

Summary: Making your first investments can be tricky, expensive and risky. But if you choose a quality no-load mutual fund with a great management team, you should have a great start to your investment program. If you are unsure of what funds are best, make an appointment with a local "Fee-Only" financial adviser and let them help you get started. Either way, get started now. Your future and financial independence depend on it.

To discover additional investment, financial and income tax strategies, check out my blog or download your FREE Wealth Expansion Kit by clicking here. The first step to creating wealth is knowing where you are and then charting a path that will enhance your financial strengths and correct your weaknesses.

About the Author:

Keith Maderer is a financial expert and has been a investment and tax adviser in the Western New York area for over 30 years. He is the owner of SENIOR Financial and Tax Associates and the founder of the Maderer Foundation, a private scholarship program. Keith is also the author of "How To Get Your College Education For Less". Available on Amazon.com - ISBN No: 978-1-4538-2053-7.

You can get your FREE Wealth Expansion Kit, or check out his blog by visiting http://www.sftaweb.com/

View the original article here

Saturday, July 30, 2011

Your Wealth Secret - An Automatic, Systematic Accumulation And Investment Program

Everyone can become wealthy, it just depends on your own personal definition of wealth. If you want to build wealth, you need to learn the fundamentals of saving and investment. Most wealthy individuals either inherited their wealth or worked hard to accumulate it. If you are one of those that did or will inherit your wealth, this article isn't for you. But if you are like the majority of us, read on and learn how to build your own private wealth and enjoy financial independence.

Follow the outline below and you will begin the process of wealth creation. For most people it doesn't happen overnight, but it can easily happen over time. Surprisingly, the more wealth you create, the easier it is to create more wealth. Using a company 401K plan is a great way to build wealth, plus a tax break and you may even get a company matching contribution. Always start with these programs first and then move on to your personal investment program.

Wealth Defined: For some the definition is to have more money than they know what to do with. For most, it can be defined as - "Doing what you want, when you want to with friends and family.... and life is affordable, while work is optional." If you can envision this lifestyle, you probably would agree, this would make you a wealthy individual. What it takes to reach this goal is different for everyone that pictures it. It depends on your location, your desired spending habits, your genetic longevity and multiple other factors. But to achieve it, you need a plan and each of the following components can help.

Investment Program: Nearly all wealthy individuals will agree that you need to have a sound investment program if you plan to have sustainable wealth. If you can generate enough investment income to maintain your desired lifestyle, work becomes optional. Building a well-balanced, diversified portfolio with a proper asset allocation strategy makes it all work smoothly. But how do you get there?

Accumulation Program: Your first step is to develop a strategic accumulation plan. It is always best to start early in life and start small. There is a learning curve that you can only master with experience. No-load mutual funds are a great way to get started. They have a low initial investment, are broadly diversified, offer liquidity, equity exposure and professional management. You can start with as little as $100 and add whenever you want.

Systematic Program: Your next step should be to figure out what amount you can afford to invest each year. Then break that number down to a weekly, monthly or even a daily figure that you can begin putting to work. When you break down the numbers to a daily figure, you may even find ways to save more. Foregoing the $3.00 Starbucks coffee can save you as much as $1,000 each year. That $8.00 pack of cigarettes each day could save almost $3,000 annually. Little changes can have a big impact on your wealth expansion efforts.

Once you figure out your desired annual accumulation goal, it is time to get those dollars systematically placed into your chosen investments and let them start building your wealth.

Automatic Program: The biggest problem most individuals have once they figure out how much to accumulate is finding the discipline to set aside those dollars each and every week or month to make it happen. There are several great ways to do this. Ask your employer if they will allow you to set up a payroll deduction directly to your brokerage or mutual fund account. Most big corporations will and many small companies will too.

If not, set up an automatic monthly electronic transfer from your checking or savings account directly into your brokerage or mutual fund account. This can be done directly with your fund company or broker and any bank that participates in the EFT (Electronic Funds Transfer) network, which nearly all banks do. Once you start saving, you will be able to see regular and substantial improvement in your net worth and wealth creation.

Summary: Any successful wealth building program requires discipline, planning and in many cases, decisions to make small sacrifices to attain the bigger goal. One of the most important factors that is common to all wealthy individuals is that they have found ways to live comfortably below their means and then they invested the rest. Please read this statement again. If you can find a way do this, you will become wealthy and enjoy a financially and emotionally rewarding life.

To discover additional investment, financial and income tax strategies, check out my blog or download your FREE Wealth Expansion Kit by clicking here. The first step to creating wealth is knowing where you are and then charting a path that will enhance your financial strengths and correct your weaknesses.

About the Author:

Keith Maderer is a financial expert and has been a investment and tax adviser in the Western New York area for over 30 years. He is the owner of SENIOR Financial and Tax Associates and the founder of the Maderer Foundation, a private scholarship program.

Keith is also the author of "How To Get Your College Education For Less". Available on Amazon.com - ISBN No: 978-1-4538-2053-7.

You can get your FREE Wealth Expansion Kit, or check out his blog by visiting http://www.sftaweb.com/

View the original article here

Sunday, July 24, 2011

Why Physical Activities Are So Important For The Patients Of Type 2 Diabetes?

Diabetes is on the rise. Nearly all the new cases are Type 2 Diabetes, or adult-onset, the kind that moves in around middle age. Today, the U.S. Department of Health and Human Services reports that over 80% of people with type 2 diabetes are clinically overweight. In fact, in our times, the widening waistband which is hugely due to the trending lifestyle towards more desk bound and inactivity of majority of the population in America and other developed countries has been the contributing factor to this rising figures. Actually, by statistics, it was revealed that in the 1990s alone, while obesity increased by 61% but those people diagnosed with diabetes were up by 49%!

Although the causes of type 2 diabetes are complex and not completely understood yet, extensive researches and clinical diagnosis have discovered new clues at a rapid pace about this disease which is well known to bring in other illnesses through its complications. One key factor which leads to diabetes is largely because of the prolonged unhealthy lifestyle in the daily living patterns of these patients. Thus, when this organ, the pancreas has malfunctioned to supply sufficient insulin or our body has become incapable in the using of insulin properly although being adequately produced, in both cases, a higher than acceptable level of sugar remains in our blood system which gives rise to a medical condition called type 2 diabetes.

Based on many studies and experiments carried out by medical scientists, medical doctors and researchers, it has been discovered that inactivity -the lack of minimal physical activities and obesity have brought about insulin resistance in our body. This congruent agreement has pointed out the importance of exercising and weight control in providing the benefits in the controlling of type 2 diabetes. In fact, it has been truly stated that one of the most undemanding and the most workable ways to reduce blood sugar amount, eliminate the dangers of "cardiovascular disease," and perk up health and welfare in general is by exercising. Health experts have always regarded exercising as being one of the easiest ways to start controlling diabetes. There have been proven records showing improved insulin sensitivity and regulated weight loss as well as regulated blood sugar level. Hence, for these reasons, health experts always encourage those who already have type 2 diabetes to start employing the wonders that exercise can do for them. Without exercise, people have the tendency to become obese. Once they are obese, they have bigger chances of accumulating type 2 diabetes. Therefore, it is high time that people, whether inflicted with type 2 diabetes or not, should start doing those jumping and stretching activities.

While exercising has been widely recommended and encouraged, there are a few precautions to go through before any patient can really savor the benefits of exercise to his condition. The following checklist of precautions has to be consulted with health care providers so that a safe level of exercise program can be devised and implemented for maximal effectiveness of controlling the blood sugar level in the body system.

1)Before following any exercising program, consultation with your health care provider is necessary especially if you have cardiac risk factors because a stress test may be needed in order to establish a safe level of exercise for you.

2)Certain diabetic complications will also dictate what type of exercise program you can take on. Activities like weightlifting, jogging, or high-impact aerobics can possibly pose a risk for people with diabetic retinopathy due to the risk for further blood vessel damage and possible retinal detachment.

3)Even if you are already active in sports or work out regularly, it will still benefit you to discuss your regular exercise routine with your family doctor. Take for instance, if you are taking insulin, you may need to take special precautions to prevent hypoglycemia-low sugar condition during your workout.

Then, after one or two sessions of consultations with your family doctors or health care providers, all you need to do is the willingness and the determination to start exercising for a healthier, type 2 diabetes-free life. Indeed, you do not have to waste too many expenses on costly "health club memberships," or the most up-to-date health device to start pumping those fats out. Very often, all you need is a good pair of well-fitting, supportive shoes but it is important to take precautionary measures for exercise involving the feet for many patients with diabetes. For example, the use of silica gel or air mid- soles as well as polyester or blend (cotton-polyester) socks to prevent blisters and keep the feet dry is important for minimizing trauma to the feet.

Start Slow

Physical activities are well known and often recommended by health care personnel for better management of diabetes if a person already has diabetes. The benefits of appropriate physical activities or exercise are basically improving the sensitivity of insulin, thereby decreasing the resistance of insulin. Hence, a register of acceptable blood sugar level. In fact, a few studies have also indicated that these physical activities increase the insulin receptors in the red blood cells. In other words, through the more effective use of insulin in its proper manner, the blood sugar can be better controlled which then effectively reduces such risk of developing diabetic complications.

There are different forms of physical activities which are commonly and easily taken up by diabetes patients. Walking is perhaps one of the most popular and widely recommended forms of physical activity for people with diabetes. Your walking exercise routine can be as simple as a brisk nightly neighborhood walk. Similarly, you may prefer to walk the dog or get out in the yard. Another form of walking may be to take the stairs instead of the elevator. In addition, you may do walking during your lunch break and do jumping jacks during commercials. Walking on a treadmill may be considered as a daily workout routine which can be easily and conveniently done at home.

Another alternative exercise to take up is aerobic exercise which may be too rigorous for some people. Aerobic exercise is proving to have significant and particular benefits for people with type 2 diabetes. This form of physical exercise not only helps to improve insulin resistance but also greatly reduce the chances of other complications such as stress & moodiness(because during exercise, it is normally fun and feeling good), high blood pressure, high cholesterol and other cardiovascular diseases as well as obesity.

Of course, beside the above mentioned exercises, other forms of physical activities such as running, jogging, mountain biking, swimming and playing games are merely different kinds of choices dependent on individual preference and doctors' recommendation. Undoubtedly, these physical activities in whatever form shall bring about improved quality of lives for the type 2 diabetes patients. For more related information on diabetes and other health issues, it is recommended to visit Health-Wellness Blogs so that you may be guided to more health-wellness tips for healthy living.

Thursday, July 14, 2011

Revolutionary List Building, Innovative Email Solution - Stop Spam For Good With ONE Click!

Alike just about virtually 90% of all network marketers venturing in online business, there have been countless incidents when you have to deal with so many useless emails causing too much wasted time and lost productivity most of the days. The scenario looked like a never ending process in the course of our business and it has never been a success in trying to put an end to the spam. You become frustrated when you just don't seem to be able to stop spam. You must have been wondering about the effects these spams have had on your online business? In short: Productivity is down leading to slow down in your business.

Fortunately, today I'd like to share with all of you about what I have considered as revolutionary list building and innovative email solution...
ViralinBox! For your information and boosting the needed confidence in this product, this unique email, list building and marketing solution has been brought to you by the founders of ViralURL and ViralHosts, two of the most powerful marketing systems on the market.

Viralinbox is rich with amazing features and provides you with huge benefits for the good of your online business. Not only will ViralinBox help you to become more organized and shoot up your productivity, it will also help you promote and advertise your products to highly targeted audiences! Besides, you will earn credits in ViralinBox for you to send emails and heavily advertise your products by doing things you already have been doing daily, such as reading emails!

I invite you to take a nearer look...

- A unique email address for every subscriber and every list!

New creation and monitoring are easily carried out from one dashboard! Having a ViralinBox, you save the hassle of creating a new email account every time when you need a new email address, because you can create 30, 60, 100 or an unlimited number of them from one account (depending on your membership level)! The best and unique part is... You can set up a new email address using nothing else than 'mind control'! Simply, when you give someone an email address that doesn't exist, the system automatically creates a new box when an email is sent to that address. This is awesome!

- Stop spam once and for all with just one click, even without an opt-out link!

ViralinBox has the ability to allow you to permanently stop spam with ONE click! Because you have created a new box for every subscriber in your contact list you have made and every list you have joined, you are able to see who has been trying to sell you something or even spamming you, and you are able to close the box easily! This will permanently stop the flaw of spam, and you will NEVER receive an email from that spamming source again!

- Unique ability to email up to 120,000 highly targeted prospects every month!

ViralinBox is also jam-packed with powerful marketing features. If you upgrade to Platinum or higher, you will have access to the mailer system. As a Platinum Member, you will automatically receive 1,000 Mail Credits daily, and likewise, as a Diamond Member, you will receive 2,000 Mail Credits every day! Simply to mean that you can email up to 60,000 every month! Imagine selling a $17 product! In the most conservative sense, even with a low conversion rate, you will pocket hundreds of dollars every time you send an email!

- Earn credits for things you already have been doing every day!

Credits are easily earned for doing things you have already been doing every day! Just click on a link in an email you read, load a page where an advert is shown, and you will earn credits to promote and advertise your own products, FREE OF CHARGE! That's AWESOME for getting highly targeted exposure FOR YOU! This sounds like an insanely powerful traffic exchanger, doesn't it?

- A Revolution To Build A List OF Subscribers Fast And Earn Above Industry-Average Commissions!

ViralinBox has incorporated a revolutionary list builder that allows you to build a 5 to 8 levels deep downline and earn above industry-average commissions of every upgraded referral you make:up to a whopping 55%! On top of that benefit, you will even earn additional storage space for your emails every time you refer a member, up to an INSANE 50,000 MB of storage space! You will NEVER have to delete an email again!

If you are serious about doing business online, I strongly recommend you to join ViralinBox NOW and start dramatically increasing your work productivity and reach out to a whole new world of highly targeted prospects! Make sure you take a close look at the one-time offer that will be shown to you after you sign up... This is TRULY AMAZING value for money!

Wish You Every Success In Your Online Business.. Together We Can Prosper!

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Wednesday, July 6, 2011

Transform Into The Lover Your Woman Desires For A Better Love Life

Every man at one point in his life feels like he is not quite meeting the expectations of his lover. Sometimes, it is just timing. Sometimes,it is just chemistry. But sometimes, there is just something missing that you know your woman wants but does not really want to put into words. You have tried different positions, different locations, different approaches, but still you just know deep down that she wants more but is too nice to say. So what is next? How to become a better lover? Surely you do not want to give up and keep the status quo but where do you go? You must be wondering how to improve your relationship. How do you start?

Well,the answers are just a click away at the
Prime Health Supplements eStore. This online shopping experience really has everything you need and more to turn yourself right into that amazing lover that your woman desires. Just browse through the sexual enhancement products and fill that virtual shopping cart with a plethora of products that are guaranteed to improve your sex life and hers. In no time, you would be transformed into the lover your woman desires!

A quick jaunt through the sexual product category will certainly make you feel better already. Why not start by exploring one product to see if it jives with what you think your woman is looking for to start, then work your way down the list.

The all natural Penis Enhancement Pill-
Stallion XL is just one of the products sold through
Prime Health Supplements eStore. These easy to take pills are non evasive, simple to use and amazingly effective. These pills are comprised of natural herbs and other compounds that are formulated and specially blended over an extended period of time and will definitely increase your erections and therefore increase her pleasure. There will certainly be no dissatisfaction on the other side of the bed anymore. In fact, soon she will be hardly ever be able to keep her hands off you!
Won't that be exciting?

Another sexual enhancement product that might just make your woman wild is DELAY-A breakthrough herbal solution for
Premature Ejaculation which works as a natural penis enhancement, resulting in harder, longer-lasting erections when aroused, better ejaculation control, consistently stronger sex drive, and greater orgasm intensity. Now if those benefits do not drive your woman wild, we cannot imagine what will.

A powerful pheromone cologne formulated specifically for sexual hits from women-
Bed Hero Cologne contains a scientifically engineered human sex pheromone (androstenone) that has proven effects on attracting the opposite sex. Just as animals use scents to attract others, humans possess the same senses which are incredibly powerful for sexual attraction! Feel the joy and attraction with this great pheromone formulas. That alone will surely turn you into the lover your woman desires and improve your relationship.

So next time you are feeling a little lackluster, take a visit around Prime Health Supplements eStore and shop to sexual health category. Soon you and your lover will be taken to new heights and there will be no doubt in either of your minds that your sex life is the best it has ever been.That alone is such a worthy visit to this eStore. Happy shopping!

For more information, go to Prime Health Supplements eStore. For further recommended reading in healthy lifestyle and healthy living, visit Health-wellness blogs.

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