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/

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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.

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!

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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.