How to Raise Self Esteem: Part Two

In this second part of the article about how to raise self esteem I would like to introduce you to a wonderful technique from the field of Neuro Linguistic Programming (NLP) known as The Swish.

Using this technique you can re-program your thought processs to move away from the unwanted behaviour (i.e. I am a useless person) towards a healthier thinking process such as, I am learning to be more resourceful. Its one of the quickest ways to re-direct your habitual thinking patterns!

To give this process a go right now please answer the following simple question:

Think of a specific situation where you feel low-self esteem, for example standing in a long queue or speaking in public or asserting yourself with someone.

Become aware of the first picture you see through your own eyes just before you feel the crappy feelings. Well call this the cue image.

Now put that aside for a moment and ask yourself the following, If I were to think of something that made me feel good how would that feel now?

Its important to remember that this doesnt need to be something perfect. The question is, Does it feel better than the low self esteem feeling? If youre having difficulty accessing a good feeling try the following:

Think about your favourite pet/animal.
How many things can you feel gratitude for?
What is your favourite food?
Who do you admire?
Which music turns you on?
That feels better right? So if you were to symbolise that good feeling what would it look like? It can just be a colour if you wish!

Notice that when you look at that symbol and make it bigger and bring it closer and crank up the colour and brightness it makes you feel even better doesnt it.

So the next step to re-program you mind is about to begin!

Picture that cue-image again if you will. You know the one that cued up the crappy feelings. Bring it closer and make it bigger and brighter.

Now in the middle place a small, postage stamp sized image of the good feeling symbol.

This is the exciting part; the actual swish.

Imagine zooming the crappy feeling cue image off into the distance, noticing it getting smaller and dimmer as it goes off away from you.

AND at the same time bring the good feeling symbol closer and make it bigger and brighter.

Then blank the screen. Simply imagine youve blanked your inner mental screen. Some people seen a big black board or others see a white screen.

Do the actual swishing several times until you can imagine doing it in less than half a second.

The final steps are to break your current state: Think of something totally different like what you ate for breakfast or do times tables in your head.

And now think of the original cue image and notice that your feelings have changed!

I have used a simplified version of the NLP Swish technique in this article because the standard procedure utilises the visualising of a desired self-image which I know can be quite challenging to achieve if a person is feeling very low. The full step-by-step version of the technique, along with many more tips, can be found in The NLP ToolBox and The Half-Second Rule.

Low self esteem and its associated victim behaviour have a tendency to re-enforce themselves resulting in a person suffering with feelings of low energy. To break out of these kinds of habitual patterns and raise self esteem it is necessary to do something different. Anything else to break the patterns!

The NLP Swish technique is a very effective tool for breaking out of destructive patterns along with NLPs many other useful change methods.

Colin G Smith is a licensed Master Practitioner of Neuro-Linguistic Programming (NLP) and author of 'The NLP ToolBox', a personal development book that enables the reader to master any area of their life with amazing speed. Complete information on Colin G Smith's books are available at his website, including a FREE personal development eBook. http://www.NLPToolBox.comMerralee Blog35664
Marlene Blog75786

7 Days To Affiliate Marketing Mastery!

Are you struggling with your affiliate business? Discover how to become a super affiliate in seven days with a complete step-by-step affiliate marketing blueprint.

Many affiliates are not making any money with the programs they promote because they are simply making a lot of mistakes, which prevent them from bringing their affiliate marketing business to the next level.

The right affiliate strategy can help you make your first sale in one week, or more. It will depend on how much effort you put into the battle.

Follow these seven days to affiliate marketing profit and you should do well, and see your first affiliate sale very soon. When I saw that blueprint for the first time, I was skeptical; but when I saw commissions in my affiliate account, I knew that the process was working perfectly.

The problem is not in the process but with the affiliate marketer who didn't set a clear goal with a plan and didnt take action to achieve the success that many other super affiliates are enjoying.

So here is the plan that you must follow if you want to make your first commission in affiliate marketing...next week:

Day 1: Find a profitable market

Finding a profitable market is where most affiliates fail and then give up. It's not their fault, but nobody takes the time to explain that.

When you are starting, it is better to start with a huge market that is already profitable, like golf, weight loss, finance, self-help, beauty, sports, fitness...

Start by researching what those people want, what they are searching for on the Internet. For that, you will need a keyword research tool like Goodkeywords.com or Yahoo search marketing tool.

Day 2: Find an affiliate product for this market

Before finding the product, try to identify the needs of your targeted market. Your chosen product must be excellent; and you want to have a good commission that will reward you, motivate you and cover your affiliate campaign costs. You can start with clickbank.com or cj.com.

You must verify the sales page to see if it will convert your visitors into sales.

Day 3: Know and understand your product

Know that the goal of the affiliate is to pre-sell and not to sell. The merchant must sell his product, not you.

You should pre-sell (capture and warm up) your product to your subscriber. For that, you need to know the benefits of the product for your subscribers, and the best way to do that is to own the product.

Day 4: Prepare your advertising plan

Prepare your material: ads, articles, where you will advertise this affiliate program: Start with articles and pay-per-click traffic via Google Adwords.

Day 5: Prepare yourself to capture your prospects

You must not send your visitor to the merchant page, but you must capture his name and email address first, to secure your future affiliate commissions.

Day 6: Write your killer follow-up material

After capturing his email address, the pre-written message in your autoresponder will do the work for you and close the sale.

Day 7: Drive tons of traffic to your lead capture page

When everything is ready, start to advertise your affiliate program. Actually, you will show your lead capture (also called opt-in or squeeze page) page to the world, and take your future buyer's email address. One of the most effective ways to advertise it is to write articles.

Remember: the affiliate marketing process works, and it is perfect. But it will not work without you. So take action, and when you start to see your affiliate commissions, you will know that it is working; and you will be able to master the affiliate marketing game and become a super affiliate.

Franck Silvestre is an active affiliate marketer who loves to teach others how to make money online. Get a free ebook on affiliate marketing when you visit: http://www.MyNetMarketingland.com/Affiliate-Marketing.htmlMollee Blog49798
Mella Blog88650

So, You Want To Start Your Own Business? My Congratulations And Deepest Sympathy

So, you have just come up with the best one-of-a kind idea since sliced bread and want to launch your own business. Congratulations, you are on the road to the American dream of becoming an entrepreneur! Now let me extend my deepest sympathies for the pain you will experience as you try to get your business started.

Hey, dont stone the messenger; Im not the only Negative Nelly on this topic! The facts are, as stated by the Small Business Administration, 80% of small business start ups close within the first five years. But, maybe you and your idea are different and you are prepared to beat the odds. If you still want to give it that ol college try read on. (My apologies to those of you whom I have completely devastated. However, keep in mind that if you are still reading and I havent scared you off yetyou could have what it takes to start your own business.)

Have you ever wondered why we are in awe of the Bill Gates and Martha Stewarts of the world? Have you ever wondered why they are one-of-a-kind kinda guys/gals and are so well known? Well, I think it has something to do with the blood and guts they had to donate to start and be successful in their own businesses. Anyone can start their own business, but only 20% of those starters are still in business after five years and even fewer are actually running a successful business; that means making money. So, this journey definitely takes more than what 80% of us have. Are you still reading? Ok, you may have what it takes.

What it takes to launch your business (well leave the part about actually being successful to another article) is what I refer to as the Eight Steps to A Successful Start:

1. Determine Your Niche,
2. Identify Your Ideal Client,
3. Develop Your Unique Value Proposition,
4. Create Your Brand,
5. Prepare a Business Plan,
6. Prepare a Marketing Plan,
7. Develop a Sales Strategy, and
8. Accept failure, learn from it and re-group

Please note that the first eight steps have nothing to do with what you actually want to do in your business. In other words, if your dream is to be a career coach, you wont actually be coaching clients until you have been a marketer, sales person, financial expert, and strategist. Oh, and for those brave Internet entrepreneurs you will also have to become an Internet guru. Note: if you know what mega-tags are, congratulations you are well on your way! Back to my point, what is important to keep in mind is that for most business launches it takes a full two years before you are doing whatever it is your business is all about and before you are ever the business owner of your dreams. Still reading? You are already beating the odds!

Lets take a look at Step One, Determine Your Niche. Your niche is determined by defining exactly what group of consumers will be your customers. This group will consist of people who have specialized interests and needs, and have a strong desire for your service or product. An example of a strong need would be an attorney who needs a well organized back office system to keep track of past and current case loads. The group in this case is attorneys and the specialized interest/need is all about well-organized back office systems. So, if your product is a well-organized back office system for attorneys, this guy/gal is in your niche.

Once you have identified a group with specialized interests and needs, now known as your niche, you have to ask and come up with answers to the following questions:

Will this group spend money for my product/service? And, do they have the money to spend? A good way to tell is if they have spent money for similar products/services in the past. For instance, moms might be a great target market for a new type of stroller, especially since they have spent money on similar products. However, not all new moms have money to spend on a new stroller. You would then want to specifically target moms who have more disposable income i.e. extra cash for your one of a kind stroller!

Can I easily find and then reach this group of people? Physicians are easier to locate than moms. Why? Well, one reason is because physicians are listed as a group in the yellow pages. So, if your have a product/service that targets a professional group such as physicians you will have an easier time reaching your niche. Whereas, if you are targeting moms it might be harder to find that group, since they dont yet have their own heading in the yellow pages!

Is this group large enough that I can make money selling to them? If your product/service is eye patches for one-eyed pirates, you may need to expand your group. However if you are selling a new bra to women who have had breast enhancement surgery you might have a hit!

Is this group small enough that my competition would overlook it? Yes, your competition might have over-looked the one-eyed pirate market, but that is because this group is too small. However, if your product/service is directed towards a specific need that a specific group has, i.e. women who have had breast enhancement, you might just have the perfect small market.

Have you been a part of this group? You must know the needs of your niche market. The best way to know those needs is if you have been in that group and understand the groups dreams and desires. If you have ever been an attorney, who had need of a well-organized back office, then you would be well prepared to create and offer this service to attorneys.

Is this a group you would enjoy working with exclusively? Maybe you once were an attorney and that is where you came up with this great back office system. Thats great, but if you got out of the litigation business because you didn't like your peers.you might want to re-think your idea of selling your handy dandy back office system to attorneys.

Can you see yourself creating other product/services for this group? No one wants to be a one-hit-wonder, ala Billy Ray Cyrus and his Achy Breaky Heart! Once you have sold everyone in your niche one of what you have to offer where do you go from there? If your price point is high enough, maybe you go on to retirement in Hawaii, however, if you are selling a $1.99 product, you will need a way to expand your line as your business grows.

Are you passionate about your product/service?

The amount of time and energy, or as I mentioned earlier blood and guts, that it will take to launch a business is huge! You had better passionately believe in what you are doing and whom you are doing it for, if you want to successfully launch your business.

Well there you have it, the first step in launching your business; Determining Your Niche. Take some time and answer all of the questions outlined above for your product or service. You might find that you want to make a few modifications to fit your niche or maybe you need to change your niche to better suit your business. Either way, just by taking the time to complete this first step you are already on the road to the American dream of becoming an entrepreneur. Congratulations! (And, a little sympathy for your time and trouble!)

In the coming weeks look for So, You Want to Launch Your Own Business? May I Offer My Congratulations and Deepest Sympathy. Part II: Identify Your Ideal Client

Keep in mind that a career coach can help you through all of these business launch steps. Career coaches act as guides on a journey of greater self-awareness and clarity, helping you to find your true passion. Your coach can help you create an action plan to get from where you are to where you want to be in your career and in your life. Once you are working in your strengths you will find you are passionate about what you are doing and the journey is not as painful as if you had made it alone.

To find out how a coach can help you, contact SmartWork Career Coaching @ 805.376.1906 or e-mail @ sfreiberg@verizon.net. One of our Career or Executive Coaches will be happy to discuss your coaching options.

© Copyright 2006 Suzanne Freiberg. All Rights Reserved.

Suzanne Freiberg, with 20 years of executive experience, founded SmartWork Career Coaching to empower women in management and leadership to make the changes necessary to become break through leaders. She has received extensive training in emotional intelligence; leadership development; and managing stress for executives. She is a Certified Career Coach and a Certified Executive Coach, as well as a member of the International Coach Federation. http://www.smartworkcareercoaching.com.Melita Blog69741
Nanci Blog80416

Criminal Justice Degree Online Options

Going directly from high school to law school is too big a jump for most anyone. It is important to take each step needed towards earning a law degree, or becoming a professional in the legal field. Education is required, and with the right focus a criminal justice degree online is a plausible option to acquire a career in the legal field. Many people will become involved in different apprenticeships and alternative methods regarding the legal and criminal justice fields. One of the best ways to take steps toward a legal career is through earning a criminal justice degree online. By earning a criminal justice degree online one can take a step or two towards obtaining the career of his or her dreams. Online classes will allow one to choose the best time to attend classes, and the amount of time it will take for them to earn the degree. Flexibility is important to most students, and online programs provide these types of classes for students working towards a degree in the legal field.

Buying a book on criminal justice programs in the United States will easily help illustrate the fact that most criminal justice programs are four year programs that cost thousands of dollars a semester to attend. While this route is good for many reasons, there are thousands of people that would be interested in becoming a legal professional but can't afford it. An online program may be the best option for them. The criminal justice degree online ensures that people can earn a degree in as little as 2 years, without having to spend a small fortune on their education. They would not have to drop everything to return to school. Many institutions will admit that the criminal justice degree online programs are as thorough, and effective as those traditional programs offered on a traditional campus. Having the option to attend an online program has been the liberating factor for many qualified professionals looking for a way to break into the legal field.

Another benefit to enrolling in any online degree program is that you will gain exposure to the latest computer technology that can directly help you earn more money in the field chosen. For the criminal justice industry, this is the simplest way to learn some of the most advanced techniques used. There are so many new computer technology related aspects to the criminal justice degree online program that it is hard to count. There are courses that focus on searching for suspects, as well as the new software police officers use to keep in touch with the call center at their home stations. This all results in an online program that is worthy of the sacrifices people have to make to earn it.

For the millions of people that have always wanted a career in the legal field, online degrees can be a step in the right direction. There is no better time to earn a criminal justice degree online than today. Take a step, fill out an application, research the programs available, and the reality will be a few short years away from completion.

Andy West is a freelance writer for Virginia College. Virginia College Online offers many Criminal Justice Degree online programs. Please visit Virginia College Online at http://www.vconline.edu/site/department.cfm?Department_ID=2 to select the online program that is right for you.Myrtle Blog84549
Nadeen Blog29116

Make Money At Home Online By Linking To and Becoming an Authority Site

If you are looking to make money at home online, it's a pretty challenging feat unless you start linking to authority sites, and start becoming an authority site. Authority sites are respected websites built by respected marketers that bring in large amounts of traffic and sales.

In order to get there yourself, you have to find out about these sites, because they will likely have some juicy, highly sought after information that you need to know. The information you find on these sites will help you build a solid business that will allow you to make money at home online.

How do you find these authority sites? The best way to get ahold of the top internet marketers who really know what they're doing is by joining discussion forums in your niche. For example, the Warrior Forum or Associate Programs Forum have some the top internet marketers in the world that will help you make money at home online.

It is in these discussion forums where you will get and give help, as well as learn the tricks of any online business you may be involved with.

Top internet marketers with authority sites will often have blogs that you can subscribe to to get the latest information on building you own authority site.

Oftentimes, when you subscribe to their newsletter lists, you will get free ebooks with invaluable tips and techniques within.

Be sure to link to as many of these authority sites as you can, even if you have to pay, in order to boost your own website's rankings. When you have good rankings yourself, others will want to link to you.

When you want to make money at home online, it's not all about the rankings you get from links. True authority sites will offer information that is found no place else on the net and is hard to get a-hold of. Much of this information will be absolutely unique to that web-master, and that's what makes it so good.

Becoming an authority site does take time and effort, but if you can survive the tough times in your business, and get past at least one year in business, you are doing far better than most, and are on your way to success.

So you have some links, you have some rank, and you have come up with some good original articles and blog content to add to your site regularly. You've been in business for over a year, are in touch with the experts in your niche, and now what do you do?

For one thing, search engine optimization, or SEO is extremely important if you want to generate traffic and sales to your site. If you use good, researched keywords in your articles and blogs, you are seriously getting there! Find out about SEO and keywords. You won't regret it!

Next, you're going to have to understand the most effective ways to make your blog posts if you hope to make money at home online. Not only do you need quality content and keywords, but you need to get involved with social networking services and get your blogs onto these sites. Find out about blogging, and social bookmarking and networking. You won't regret it!

One of the easiest ways to draw traffic that converts on your site is by using tags that link to Technorati, and other keyword links within your posts that get people to click. Find out about Technorati tags and link baiting! You won't regret it!

Finally, it's important for any business - if you really want to make money at home online that you keep up with the ever-changing internet. Again, if you stick to some quality forums, you have a good chance of knowing the most current buzz on any business related topic.

Right now, the whole video marketing craze is taking over the net as a top-notch way to advertise. If you're not in on that game, you may fall behind in your marketing efforts. If you stay hip in your market, you have a good chance of becoming an authority marketer and site.

Liane Bate owns a Plug-in Profit Site web business, and is a member of the International Association of Home Business Entrepreneurs (IAHBE).Morgan Blog50134
Milli Blog64368

Panama Offshore Merchant Account

As part of your asset protection strategy you may wish to utilize an offshore merchant account to process credit card sales for your business. Fees are going to vary depending on volume and what you are selling. For a merchant account in an offshore (friendly) country the cost is usually 7.00% 8.50% depending on product, average ticket, etc. The merchant account introduction is $495.00. There are no cheap offshore merchant accounts.

We do assist clients with obtaining offshore merchant accounts. There are no anonymous merchant accounts. Even though you are using an anonymous Bearer Share Corporation the merchant account corporation will want to know who you are with identity documents and financial information on the company and principals. They generally pay weekly with about a 3 week delay until you receive funds. They will gladly wire the funds into a Panama bank account. The merchant account company requires a minimum of $20,000 a month in billing for the last three months as a minimum. Start-ups are not considered. They will ask to see your existing merchant account billing statements for past few months. If you do not have them and are a new business we can not get you a merchant account. The processor does not begin to realize any profits until the client bills $20,000. We do understand there is a gap here for a startup company but please bear in mind we are a law firm assisting our clients we are not a bank. We do welcome questions but please realize we have no control over certain parameters. Also please realize if your chargebacks run too high you will be at risk to have your account closed with the funds held for six months to settle any chargebacks coming in later on and this is contractually stated. We are not offering merchant accounts for hi-risk merchants that have a lot of credit card fraud, chargebacks and other cardholder queries. If you get a lot of chargebacks or credit card fraud this program will not have a happy ending for you.

If you wish to proceed please fill out this online secure application form and we can contact the merchant account company for a preliminary position on whether or not they will accept you. The final decision is made after all the documents are collected.

Secure Merchant Account Application Form

If the chargeback rate exceeds 1% or 2% depending on the company, the account is subject to closure. Sometimes, note we said sometimes, the merchant account company will not close your account but instead work with you to reduce chargebacks if your rate is 3% or less (a general rule not a firm policy and there is variance from company to company). This is not an absolute but usually they will attempt to help you reduce chargebacks. This can be by blocking countries with high fraud rates, blocking proxy servers, doing telephone verification of orders etc. Be careful if you get a lot of chargebacks this is not for you. Inquire. We do not take adult, internet or online pharmacies, gambling, gaming, sports book, MLM, or illegal products.

When looking for a merchant account that is offshore be aware of unscrupulous companies that specialize in keeping merchants funds as their only real means of making profits. The scams are not really scams but you are set up to fail. A contract is created where you have to keep chargebacks down to 1%, the visa guidelines. Remember the average internet merchant gets about 3% in chargebacks so already by statistics you are doomed. You are told and agree in writing to having your account closed down if you exceed this 1% figure and your funds held for six months. Now you start processing and shipping goods. They say they'll pay every two weeks but there is a two week holdback so that means four weeks until a wire is sent well OK what can you do so you start. Well at the end of the four weeks there are some more delays, perhaps you are told a wire will be sent, is sent, was sent, came back with wrong instructions, the correspondent bank has it, whatever. So now about six weeks goes by and you are still shipping and have no money. Ok so you call them up every day, scream at them etc and well by now your chargebacks are starting to come in at a good clip. Many of you reading this are hi-risk merchants and you know it. So then you are told your account is closed per the agreement and come back in six months for your funds. Can you sue them? Sure, but they are in an offshore country remember which means you have to go there, hire a lawyer, post a bond for court costs and face the written agreement you signed with them while they are calling you a fraudster in their court, saying you exceeded visa guidelines endangering their account with visa, etc. Odds of winning are slim and the cost will be $25,000 plus by the time you get a court date and that will probably be a few years down the road and don't forget you just shipped six weeks of orders all with no money coming in. OK now you realize you aren't going to sue them. You decide to play the I hope game commonly found in scams and wait the six months out. Well now some of your money has dwindled away in charge backs that are uncontested because they aren't going to waste time fighting them. Now after the six months is up the money and time wait to sue them is still the same and now you are worn down plus the pot of gold at the end of the rainbow has shrunk. They write you when your lawyer contacts them and they say well you are a fraud, how do we know you didn't submit all these stolen credit cards, we are going to hold your money another few months because someone could have filed a chargeback one day before the six month limit and it will take a few weeks to work through the system. If you spend the money hire a lawyer and sue them in their jurisdiction they will answer the complaint and wait and eventually offer to settle with you for a lesser amount like 15% to 30% just because they can push you down considering your legal expenses, and time delay for trial. If the settlement covers your legal expenses you probably didn't do too badly. Their lawyers get these lawsuits frequently and know exactly how to answer them with no research since they wrote the agreement you signed.

If the above or similar happened to you we can tell you how to turn the tables on the merchant account provider assuming not too much time has gone by. You can still recover a lot of your money, never all but usually a substantial piece of it. The recovery depends a lot on your customer relations, nature of your products and price levels. It is a tested method that will get results fast without not using any court system but we offer this as a service, if we post it on the web site too many people will find out about it and it will no longer be as effective Feel free to inquire but please do not try to probe us as to details.

Now you might ask yourself how the really hi-risk industries like porn with chargeback rates over 30% survive. Easy answer. Some years ago when spam was make a crime in many jurisdictions there was a thinning of the herd in the porn industry, customer acquisition costs became expensive and complicated as well, the porn industry switching from spam to paid link exchanges. Only the large survived this cut. Credit card chargeback ratios used to be more lenient in years past with 2% as the common figure, not 1% but a large account could get away with much higher rates of chargebacks back then. To beat the system the porn people starting becoming merchant account providers using offshore structures to conceal things. They look for a large amount of low risk businesses to process for. This allows them to have an outrageous fraud rate of 30%+ in their porn business and still keep their overall chargeback rate down to 1% for the entire group of accounts processed by their merchant account provider which is really them. Occasionally the visa people may get wise to a lot of chargebacks coming from a particular site and then they just have a different site and corporation process for the same porn site by transporting people to a different payment page that still sets up their passwords and user names for the same site visa doesn't like. This allows them to make an outrageous profit on the porn sites and they give away the merchant accounts at a low rate to attract fraud free businesses. Now these same porn people turned merchant account providers discovered a way to enhance profits and make themselves look cleaner to visa, and that is to rip off inexperienced hi-risk merchants as described above. Since they have a lot of low risk merchants to offset the hi-chargebacks their victims will bring in, but their cleanup for visa is they killed the account in six weeks due to hi fraud, see what good guys we are. Now you probably know a lot more than you did before you came to this web site. If you want to get philosophical it is the Visa and MasterCard people that are at fault. As long as they can keep passing the fraud losses on to the merchant they will probably never do anything meaningful to stop fraud.

Ronald Edwards is a researcher, with years of experience in finances and real estate.Mignonne Blog26170
Mariette Blog41504

Create your own "HOT" selling Internet product in one day.

In this article I'm going to show you how to create a "HOT" selling info product in one day, by only writing five paragraphs.

Anyone on the planet can do that. So without further ado let's get started.

What we're going to do is utilise other people's hard work to create our very own unique products. Sounds too good to be true doesn't it? However this is a very real strategy that the top-gun e-book publishers use time and time again to create "HOT" selling products in lightning quick time.

Go to goarticles. com.

You see most web site owners write articles and submit them to article directories so that they get free publicity for their sites. At the end of each article is a link back to their own web site with a bit of information about their site for example. These site owners want people to take that article and market it to other people so they get visitors to their site without spending a cent on their marketing. This is perfect for savvy entrepreneurs who are willing to spend a few hours of their time in order to profit for many years to come.

What we can do at go articles. com is type in a niche in the search bar at the top right (make sure it's on "article content" rather than search by author). Type in your niche market. So for example type in "dogs", of "fishing" or whatever subject you are interested in You'll get thousands of result related to what you have searched for. Now what I want you to do is simply trawl through the results finding at least seventy quality articles related to the dog or fishing or whichever market now copy and paste them into word or some kind of word processing application.

As I've said make sure these really are good quality articles. If you create an e-book using any old rubbish you'll get a sky-high refund rate and it will all have been a pointless exercise. Do it right from the off and you'll set yourself up for success.

If you can, try and tie all the articles together in one sub niche. For example a sub niche of dogs might be training your dog. So you could find articles on stopping your dog from barking at night, toilet training that kind of thing. The same for fishing, it could be ice fishing of fly tying Use a bit of imagination when using this method.

Email Article Authors

You mustn't use any articles without the authors' permission, that's plagiarism and could land you in very hot water. Remember the majority of articles will have been submitted so the author can get visitors to their site without spending a dime. However you don't want to breach any copyright laws. To avoid this email the authors of each article. Explain to them that you are creating an e-book aimed at their niche market, and that you would love to include their article in your e-book and that you'll include a link back to their site and information about them. Also ask them if they have any other articles you could include.

You can expert around seventy percent of authors you contact to be delighted you're going to include their article in your book. All you need to do then is discard the articles from authors who you haven't heard from or who won't let you use their article.

Put the articles in an order that makes sense and create a contents page. Use the titles of the articles as contents topics. You could even create chapters aimed at solving certain problems people in your niche have. So for example if you were creating an e-book on golf you could create a section on improving your golf swing, a section on the mind game of golf and so on. All the articles would make up separate chapters.

Finally write a short introduction and conclusion. This only needs to be a few paragraphs. Explain what they can expect to learn from your e-book and make sure you sign off using your name. You will instantly establish yourself as an expert in that particular niche. You can also link to your back end products at the end of the book to increase your sales.

Finally you need to turn it into an ebook to sell. Go toprimopdf . com and download the software. Don't worry it won't cost you a cent. Once it's downloaded all you need to do is in your word software hit "file" and then "print" and then select "primo PDF" as your printer. Voila. You've just created an e-book using other peoples' hard work. This whole process can be done in just a few hours. Obviously you may need to wait a day or two for the article authors to get back to you but apart from that you're all set! Anyone can use this method to create more e-books than you'd ever be able to sell.

That's a great method right? I mean it won't cost you anything to create a product, yet you could sell hundreds if not thousands of copies and keep all the profits using other people's hard work!

Paul Jackson is an information publisher specialising in helping people start their own home based business. You can read up on how to create your own info products in one day without writing a single word by going to: - http://www.lightningnichecashtactics.comMerla Blog15898
Manya Blog27769

Article Marketing Wins Over PPC

Most affiliate marketers think that PPC or Pay Per Click campaigns are better at driving traffic, as compared to article marketing. Theyre wrong. The fact is, article marketing carries with it far less risk and much more impact than PPC campaigns.

How does PPC work?

For those of you new to PPC, heres an overview on how it works. Basically, PPC uses advertisements to get a readers attention. Once the reader clicks on the ad, the affiliate marketer earns a commission. A lot of research and money goes into placing ads in strategic positions. The competition is so fierce that organizations scramble to get their products listed in the PPC campaigns. Millions of dollars are spent each day on these campaigns.

Why spend so much when you can avoid it?

Yes, PPC campaigns, for all their hype, do not provide the same results as article marketing does. Why is it that article marketing is better than PPC?

Credibility: Article marketing helps an affiliate marketer to establish credibility on the subject. Writing for an extended period of time on a related subject establishes the person as a subject matter expert. This ensures more customers will turn to you for any information on this subject. PPC does not provide any such platform to establish credibility.

Inexpensive: Article marketing is free. It doesnt cost a dime to start writing and posting articles on directories. PPC, on the other hand, requires plenty of investment to get the company listed among search engine results. With such tough competition around, if you dont have adequate funds, someone else will get listed.

Low risk: Article marketing is less risky when compared to PPC. Its free and therefore, even if you take some time to succeed, it wont have an adverse impact. Whereas in PPC, the initial investment is so high, that not finding success can mean incurring heavy losses.

Displacement: With PPC, there is always the fear of being displaced by competitors. People are willing to shell out top dollar just to get their company listed. In article marketing, there is no such danger involved.

Adherence to search engine rules: PPC demands that advertisers strictly adhere to search engine rules and regulations as well as layout. Therefore, in case of any change in plan of a search engine, even the PPC advertisements need to be in sync with the new format. Article marketing does not carry any such drawbacks with it.

Not enough content: PPC campaigns require to be up and running very quickly. This can mean not having enough time to build content around the keywords provided. This has led to many disappointed visitors clicking on a PPC link and then discovering lack of content to back it up. This also adversely impacts the reputation of the organization. Whereas in article marketing, you have sufficient time to build content around the keywords.

Trial and error: PPC does not provide anyone the luxury of testing out the effectiveness of keywords. With high investments and lack of time, organizations are expected to be bang on target on the very first attempt. Else they lose out in the race. Article marketing provides ample time to try out keywords and analyze their effectiveness. This provides scope for improvement as well.

Only for large scale businesses: PPC campaigns are at best only suited for the large-sized businesses. The high amount of investment needed, coupled with chances of high risks, means that a small sized start up cannot afford such PPC campaigns. Article marketing, on the other hand, provides more leeway to experiment, test effectiveness and try new approaches. The best part about it is that it is free of cost. It also provides a steady way to grow an affiliate marketing campaign. With the right set of keywords, and well thought out articles, one can dramatically enhance traffic to an affiliate site, in a very short time span.

Nye Morgan is a successful work at home entrepreneur who has made money from several internet businesses. His latest project is the Online Entrepreneurs Toolbar, a 'must have' free download for people wanting to make money online. Get your copy at http://download.OnlineEntrepreneursToolbar.com/r/004Marjory Blog551
Marlene Blog75786

Commercial Truck Financing Low Cost Loan for Truck Business

Trucks are not any ordinary vehicles but instead play major role in boosting any countrys economy as they carry heavy load of various types of goods to longer distances at low cost and in time. Truck is most useful for enhancing ones business. Because of their crucial importance, commercial truck financing has become a huge business in itself. It is not just for buying a truck of any make that commercial truck finance is availed but even for buying truck parts one can take the finance.

As huge finance is involved in buying a truck and its parts, commercial truck financing is essentially a secured finance. The security of the finance may be given through any high equity property of the finance seeker. Lenders may even secure the finance by taking in possession the deal papers of the truck from the loan seeker after he buys truck and the papers are returned when the loan is fully paid back. Meanwhile the truck may be used by the owner for commercial purposes.

Because commercial truck finance is secured well, the lender companies can afford to give the finance at lower interest rate. Individual lenders have own commercial truck financing interest rates. When compared, one can avail the finance at lower then the average interest rate. The borrowed amount will depend on the make of the truck and if the truck to be bought is used or new. Lenders also may look into the business the truck is going to generate. If there is potential for higher income or business from the truck, the lender feels more secured and gives greater amount as loan. Moreover good credit of commercial truck finance seeker also plays a part in deciding over the borrowed amount. Because the finance is secured, lenders can offer a larger repayment period of many years.

Prior to making a deal with the financer, make sure that you have searched the right truck seller. Check creditability of the company from you intend to buy truck. In case you need truck parts you have many choices. You can original equipment manufacturer truck parts from nearby dealer or opt for cheaper aftermarket parts with the quality remaining the same. You can buy grilles, headlight, transmissions, doors, windshields, engine parts, tires, wheels etc. Replacement parts of truck can be shopped online from your home for high quality parts.

For taking commercial truck finance one of requirements is that you must have an experience of minimum of two years as truck operator. As far as bad credit of the finance seeker is concerned, it may not be an issue for lender since the finance is given on having a property of borrower which lender can sell to recover the amount in case of payment default. Take a copy of your credit report from reputed credit rating agency and check it for errors before approaching the lender.

Search for suitable commercial truck financing companies on internet and compare them for easier terms and conditions including interest rate. Apply online to the lender of your choice. This way the loan approval comes faster for a timely purchase of truck.

You can give boost to your truck business on opting for a commercial truck financing but make sure that you buy truck from right seller. Take every aspect of the financing in consideration prior to making a deal with the lender.

Celeste Parker has been associated with CommercialLoansFinancing. Having completed her Masters in Finance from Cranfield School of Management. She provide useful advice through her articles that have been found very useful.To find Commercial business financing loan, Commercial equipment financing, Commercial truck financing,Commercial small business loan, Commercial real estate loan financing in UK visit http://www.commercial-loan-financing.co.uk.Melloney Blog57298
Marijo Blog91341

Cross-sell/Up-sell Strategy No Risk Strategy To Squeeze More Money Out Of Your Customers!

If you had a no-risk way that is guaranteed to fatten your wallet, would you use it? Of course you would. I have a simple solution to do that, and Im shocked that most internet marketers are not implementing this simple strategy. If you implement it, youll be ahead of most of the average internet marketers. Anyway, this is what you do:

Simply put an additional offer order form right before your customer completes their purchase.

This additional offer can be two things, a cross-sell and an up-sell. You can use a cross-sell by combining a related product to the original order. Or you can use the up-sell by giving your customers an upgraded or premium version of your product.

Here is an example of a cross-sell:

Yes! I want to gain Maximum Muscle In Minimal Time with the Maximum Muscle Protein Powder for $30 right now! Also include my 12-bar box of Maximum Muscle Protein Bars, the perfect food bar for the serious bodybuilder at the rock-bottom price of $19.97!

(In this case, protein bars are related to original product, the protein powder.)

Here is an example of an up-sell:

YES! I want to super size the soda and fries for only 50 cents more!

(In this case, the bigger portion of the meal is the upgraded version of the original product.)

The reason you want to do this is because your customer already has his credit card in hand and are receptive to buy your original product. The cross-sell and up-sell technique works because it plays into your customers impulse buying habits.

Like I said before, there is absolutely no risk in having these offers. Your customers can either order your package deal or they dont. But lets say only 50% of your customers do order your additional offers; calculate how that can fatten you wallet. There is nothing to lose, and more money to gain! You will only win in this situation!

Just be creative when cross-selling your products. You can figure it out, just use your common sense! Here are a few examples to get you started:

Golf equipment after theyve purchased hundreds of dollars of equipment, would your prospects want to know how to improve their swing? Offer them an instructional DVD or a subscription to a golf magazine.

Insurance after your prospect bought an auto insurance policy, offer them a vacation package at $100 off.

Information products after your prospect bought your $597 product, offer them a limited time offer of purchasing the bonus CD set that usually sells for $397 at a one time only price of $97.

Just integrate these offers in your website ordering page with a checkbox. The beauty of offering these upsell/cross-sell goodies is that it takes a minute to implement, but doesnt cost you any extra money to advertise and promote.

To sum up, the cross-sell/up-sell works well because people are in the buying mode, and it takes less effort push them deeper in your extra money-saving offers. If you want some extra money with very little effort, start using this strategy today!

Alan Quan is a certified Internet Coaching Empire coach and specializes in helping people build their own successful internet marketing business. Visit his website at http://e-bizcoachalan.com/success.htm and find out how he can help you to quickly accomplish your goals and boost your internet profits.Merridie Blog53802
Meggan Blog12616

Google Will Blacklist You If You Do This

A lot of rumors have been circulating the internet about Google Adsense and how they are cracking down and removing thousand of people's websites because the content and articles are not unique. Too many people have attempted to make money online by stealing articles from article directories and uploading them onto their own site. For the last year, it has been stressed amongst affiliates, that content is king. That could not be more wrong. Content is king if it is your own content, and is enriched with keywords that search engines will pick up.

In the past, it was very easy to take some articles from article directories, throw your affiliate link on there and get paid. Or, if they didn't buy what you were selling, they would atleast click on some adsense ads and you got paid. Google loves it because they get paid as well but the adsense advertisers are fed up. Too many people are earning hundreds of thousands of dollars a year just because they have some copied articles, and some adsense code on their site. It's not fair, and Google knows it. That is why Google is removing thousands of pages from the search engine index. Those who were making $5,000 a month, now find it hard to rake in $200 a month in Adsense earnings.

If you find yourself in this position, it is time to change your ways because you on your way to being blacklisted by Google. No matter how many pages you add of content, if it is not unique, Google will remove it. You can create thousands of pages, and Google will have them removed before you can submit them to a search engine. Google remains the number one search engine and in order to keep their ranking, they need to cooperate with customers needs. It is hard to offer quality content if the same articles are going to be found on every webpage. Google is known for delivering highly relevant websites when the user enters their search term. If you don't want to pay a ghost writer to write your articles, and you don't want to write them yourself, you are going to be in a lot of trouble, because you can't just steal article content and place it on your pages, or thousands of pages. If your like me, you want to submit some articles, and then earn money while you are on a cruise somewhere on the other side of the world drinking margaritas, or whatever it is you drink. Anyway, to make a long story short, We need to find a way to bring quality content to our subscribers so we can all make money on it, and I have found just the way. If you don't do this, your site will be blacklisted.

Now don't be scared here. If you don't have any articles on your site, you won't be in any trouble, but if you are stealing articles, or distributing them amongst others, you can be affected. Up until now, there was no way to generate a keywork enriched article without spending hours writing it yourself, or paying someone to write it for you. Until now, recently introduced, the 199 articles generator in less than 4 minutes. You will get 199 Prewritten, Viral Articles! in no time to upload to your site, and the best part is, they are unique so Google will index your site, and you will have tons of visitors flocking to your site.

See how you can benefit from uploading quality, unique articles that knowbody else has. You will be able to generate thousands of articles a week, and manipulate them however you want. Right now, http://www.financialsuccess.ws/199article.html is offering the product with a tremendous discount. See why here http://www.financialsuccess.ws/199article.html.

Patrick Moore has developed several sites, and has taught how to advertise sites effectively using articles, and other cross promotional programs. Melli Blog78648
Maribel Blog80361

Avail Cheap Finance Urgently on Opting for Fast Secured Loan UK

You have opted for a secured loan but in case you need the loan almost immediately, a regular loan will not serve the purpose as the lenders take many days for approving the loan. The remedy lies in fast secured loan UK which is offered within few working days. The borrower can immediately use fast secured loan UK for whichever purpose they want like renovation of home, buying a vehicle, enjoying holiday tour or meeting urgent expenses.

To take fast secured loan UK, better search the lender on the internet. Visiting each lender personally takes lot of time and money. Searching on internet is easy and you can reach number of lenders just by click of the mouse. While searching, study carefully various terms and conditions including interest rate laid down by each lender. It would not take much time.

After finally you have selected the suitable lender, immediately apply for the loan online. The online loan applying is very simple process. All you do is fill a simple online form with necessary details like amount of loan, repayment plan etc. The details should be properly filled for immediate approval of the application. Within 24 to 48 hours, lender will inform you about your suitability for the loan. Some more time may be required for the verification process. Then, the loan is immediately granted.

Besides instant approval, fast secured loan UK has many attractions for any borrower. The loan is offered at lower interest rate which can be reduced further once the loan seeker compares different rates of lenders. Lower interest rate is because of the collateral the borrower offers to the lender for securing the loan. The collateral may comprise of property like home, vehicle etc. On the strength of valuable collateral you can avail up to 125 percent amount of the collateral value at deducted interest rate or up to 250000. You can pay back the loan as per your convenience in 5 to 30 years.

Borrowers labeled as bad credit also are eligible for fast secured loan UK. In fact bad credit is not of much concern as the loan is fully secured and in case of payment default from borrowers end the lender can recover the loaned amount by selling the property placed as collateral.

Fast secured loan UK helps you in meeting urgent monetary requirements in no time. Study carefully different terms-conditions of loan providers before applying for the loan. The loan also is helpful in improving credit score when it is paid back in time.
Aldrich Chappel has been associated with FindSecuredLoan , since its inception. To find secured loan, fast secured loan UK , secured personal loan, secured home loan, bad credit secured loan, poor credit secured loan, online secured loan, secured auto loan, secured car loan visit http://www.findsecuredloan.co.ukMufi Blog13411
Manya Blog65276

Affiliate Project X - Some Old Story, or Marketing Revolution?

Anyone who has spent any time surfing the Web to find money-making opportunities has probably encountered affiliate marketing at one time or another. The concept is a simple one - someone writes an informational product, known as an ebook, and decides to sell it via the Internet. They make the product available through a network of resellers, known as affiliates. Those affiliates advertise the product for the publisher in exchange for a portion of the sale when a customer buys the product.

There are not only thousands of informational products on the market, but there are also hundreds of informational products on the market that are designed to help you make money through affiliate sales. The latest, and according to some, the greatest, goes by the mysterious name of Affiliate Project X. This product is said to be "the final word" in affiliate marketing techniques. Is that true, or is that just more hype from an industry that specializes in hype?

The answer is a definite "maybe." If you are looking for a magic solution that will dump wheelbarrows full of cash into your lap on a daily basis with no effort (and who isn't?") then this product may not be for you. On the other hand, if you are clever, have a bit of spare time, and can follow well-written instructions, then the answer may well be an emphatic "yes!"

Affiliate Project X is clearly written and fairly concise at fifty pages in length. The book offers methods for marketing products that are available through Clickbank, a large publisher of ebooks and informational products. The methods have clever names such as the "Thief in the Night" and "The Opportunist." The names may be clever, but the techniques are sound. And unlike many other such products, which seem to exist only to get you to buy additional products from the author, Affiliate Project X makes no attempt to put on the hard sell for other products. In fact, many of the techniques described in Affiliate Project X can be implemented at no cost whatsoever!

Not only can these techniques be applied at little or not cost, but some of them can be put to work in as little as 24 hours! All you need to do is read the book, give a bit of thought as to how to put the ideas to use, and get after it. Some affiliates have actually earned money in only two days' time.

Is Affiliate Project X the "final word" in affiliate marketing? If you have the ability to put good ideas to work and not sit around waiting for money to fall in your lap, then yes, it just may be.

©Copyright 2006 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including http://www.affiliateprojectx-posed.com, a site devoted to affiliate marketing.Mina Blog38926
Mel Blog74049

Ebay Ebook Success: How to Become a PowerSeller

PowerSeller status is something that many eBay sellers strive to achieve, but few actually manage. With PowerSeller status you gain recognition, respect, and trust which indirectly lead to increased sales. In this article I outline the methods I feel are the best in order to become a PowerSeller.

To qualify for PowerSeller status you have to meet eBay's requirements which are:

1. To uphold the eBay community values, including honesty, timeliness and mutual respect.

2. To sell on average a minimum of 750 (or the exchange rate equivalent) or 100 items per month, for three consecutive months. In order to qualify you need to sell at least 4 items per month.

3. To achieve an overall Feedback rating of 100, of which 98% or more is positive.

4. To have been an active member for 90 days.

5. To have an account in good financial standing.

6. To not violate any severe policies in a 60-day period.

7. To not violate three or more of any eBay policies in a 60-day period.

8. To maintain a minimum of four average monthly listings for the past three months.

Now looking at the above list, I feel points 2, 3, and 8 are the most significant. Points 1, 5, 6, and 7 can be achieved largely by just reviewing and following eBay's rules. Point 4 is beyond your control, you simply have to accept that the minimum period (from registration wth eBay) that you can become a PowerSeller within is 90 days. However, points 2, 3, and 8 are fully within your control and these are the true keys to becoming an eBay PowerSeller.

I will begin with point 2, which states that you must meet either eBay's Sales Value requirements or eBay's Sales Volume requirements. In my opinion meeting the Sales Volume requirements is much more achievable than meeting the Sales Value requirements, especially when you are just starting out. As it states above, if you achieve sales in excess of 100 units for three months, then you will become a PowerSeller. Now 100 sales per month may sound a lot for a first time ebook seller, but if you break it down into daily sales then it is only 3-4 sales per day, a much more achievable target. If you run 10 auctions per day and 35% of these are successful then you will be selling enough to qualify for PowerSeller status. If 10 auctions does not bring you the required sales then keep experimenting till you discover the right amount of auctions to achieve 3-4 sales per day.

By following the above instructions you will also fulfill eBay's minimum monthly listing requirement (point 8). That just leaves point 3, which outlines eBay's feedback requirements for becoming a PowerSeller. If you are selling 3-4 items per day (as I outline above) then in three months you will have made approximately 300 sales. From these 300 sales you can potentially receive 300 positive feedback ratings. So long as you maintain a good level of customer service, describe your ebooks accurately within your listings, delivery your ebooks quickly, and promptly respond to customer queries, then you should receive at least 98% positive feedback from these 300 sales.

So to summarise if you want to become an eBay PowerSeller then:

Sign up as an eBay User:- If you haven't signed up for a basic eBay account then Click Here to do so.

Sign up as an eBay Seller:- Once you have a basic eBay account you then need to sign up as a seller which you can do so by Clicking Here.

Review and Follow eBay's Rules:- In order to become a PowerSeller you must be in good standing with eBay. To achieve this you must follow eBay's Rules and Policies which you can view by Clicking Here.

Sell 3-4 Ebooks per Day:- Start by listing 10 ebook auctions per day and measure how many are successful. Through testing you can determine how many auctions you need to run in order to generate 3-4 sales per day.

Maintain a Good Level of Customer Service:- Deliver your ebooks promptly, respond to customer queries quickly, describe your ebooks accurately etc, and you should have no trouble gaining at least 98%+ positive feedback.

Keep following the above steps for 90 days:- Do the above and you will be a PowerSeller within 90 days, with at least 300 sales to your name, and at least 300 positive feedbacks.

And that's all there is to it. By following eBay's rules, selling 3-4 items per day, and being good to your customers, then you can become a PowerSeller in as little as 90 days from now. Take action today and three months from now you could be rewarded with eBay PowerSeller status.

Tom Parker offers many impartial ebook reviews just like this one at his website http://www.theebookcavernreviews.co.uk/. Tom also runs a free newsletter for ebook sellers which you can join by sending an email to: newsletter@theebookcavern.co.uk. Please include this bio when reprinting.Mufi Blog13411
Melesa Blog23573

Affiliate Marketing Campaign

Some business owners opt to start an affiliate marketing campaign as part of their overall marketing strategy. In most cases the affiliate marketing campaign is only a small portion of the overall marketing strategy but there are some business owners who opt to rely exclusively on this type of marketing. The main purpose of doing this is to save money while still achieving valuable advertising. However, once a business becomes more successful they should consider being more proactive and combining affiliate marketing with other types of Internet marketing such as placing banner ads and orchestrating an email marketing campaign. This article will take a look at what affiliate marketing is and will provide insight into why this is popular and how it can be used effectively.

An affiliate marketing campaign is essentially a situation where other website owners place ads for your business on their websites. These website owners are known as affiliates. It is important to understand how this type of marketing works. In general the affiliates are given code for your banner ad to place on their website and given the freedom to promote their own website as they see fit. In promoting their website they are also attracting attention to your website because of the banner ad directing visitors to your own website.

One of the most appealing elements of affiliate marketing is the affiliate is only compensated when he produces a desired result. This means the business owner is not obligated to pay the affiliate unless the affiliate is successful. Success may be defined as generating traffic to the website, resulting in a sale or even resulting in the Internet user registering on your website or filling out a survey. The compensation for affiliates is generally based on cost per click, cost per lead or cost per sale. Cost per click and cost per lead are usually paid in terms of a flat fee which is awarded to the affiliate each time an Internet user either simply clicks through the banner ad on his website or performs a specific action after clicking through the ad. Cost per sale may result in the affiliate being awarded a flat fee or a percentage of the sale depending on the agreement between the business owner and the affiliate.

The most effective use of affiliate marketing is to actively seek out affiliates with a proven track record of promoting the businesses which they support. Most affiliate programs are open to anyone with a website and it is not necessarily damaging to allow those who are not particularly knowledgeable about marketing to run your banner ad but it is far more worthwhile to seek out affiliates who are quite adept and generating website traffic to their own website. This is important because the more visitors they receive each month the more likely your website it to receive interest from visitors who click on the affiliates banner ad.

Another aspect of affiliate marketing which can contribute to success or failure is the design of your banner ads. It is important to remember affiliate marketing is viewed the same way other types of marketing are viewed and care should be taken to create banner ads which will be appealing to your target audience. This means everything from the colors of your ad to the size and style of the font should be carefully considered to create an appealing advertisement.

Strive Mazunga is a webmaster and administrator of Internet Marketing Harbour at http://www.imharbour.com Visit us for more information at IM Harbour!.Marjory Blog21072
Margit Blog64238

Your Travel and Holiday Money Options

With summer finally getting into full swing, many of us will be looking forward to travelling abroad for a well earned holiday. Of course, you'll need access to cash while you're away, so what are the best and safest ways of arranging your travel money?

1) Local Currency

It's a good idea to take a small amount of local currency with you whenever you travel, if only enough to last you for your first few hours. You'll probably need to arrange travel from the airport to your hotel for example, and local currency is the easiest way to pay for these initial expenses. The exchange rates charged at airports are notoriously expensive, so buy some currency before you leave and you'll get a much better deal.

The drawback to carrying currency is that if it gets lost or stolen, it can't be replaced. For this reason it's best to use another form of travel money for most of your funds.

2) Travellers Cheques

These are the traditional way of carrying money abroad. When you buy the cheques, which can be in Sterling, Euros or US Dollars, you have to sign the stub of each cheque in the presence of the teller. Once abroad, you can convert the cheques into local currency by signing the other half of the cheque at a currency exchange, where the teller will compare the two signatures and also inspect your passport.

This system is more secure than cash as each cheque is uniquely numbered, so if a cheque goes missing it can be quickly cancelled and replaced by the cheque issuer. There is a drawback in that you have to cash the cheques at a currency exchange, and you might not find one offering a good exchange rate.

3) Credit Cards

Credit cards are accepted virtually the world over, and may seem a good way of paying your way while abroad. As well as using them for shopping, they can be used to pay restaurant bills and even to withdraw cash. Before choosing this as your travel money option though, check your card's small print to see what interest rate is charged on overseas use - it will probably be higher than the standard rate of your card, and you'll probably have to pay exchange charges too.

4) Cash Machines

There are now several international cash machine networks in operation, for example the Cirrus network, and it's likely that your cash card can be used internationally, especially in Europe and the USA. This is a good way of financing your holiday spending, as you can draw out what you need while keeping the rest of your money safe in your normal bank account. The downside is that you may have to pay a fee for each withdrawal, and the exchange rate you're charged may not be the best available.

5) Prepaid Cards

These are a relatively new kind of plastic card, which are used in much the same way as credit or debit cards, with the big difference that you have to 'load' the card with funds before you can spend with it. They are a secure way of carrying money, as the card is replaceable if lost, and as it can only be used in conjunction with a PIN number then even if stolen it's difficult for a thief to make use of it. There will, however, still be exchange commissions payable when you use the card, and also usually a flat fee for cash withdrawals.

The main thing to bear in mind with travel money is that while each of the above options is useful, not all are suitable for use everywhere in the world. The best advice is not to rely on a single kind of travel money, but to take a sensible mixture of cash, local currency, and plastic or cheques, to make sure you can always get local currency when you need it. Enjoy your holiday!

Nicholas Hunt is an experienced author on financial issues, and currently writes for http://www.1stop-finance.co.ukwhere you can read more about travel insurance at http://www.1stop-finance.co.uk/insurance/travel_insurance/.Marion Blog91495
Mimi Blog29162

Paul's Hot Stock Picks For July16th Thru July 20th

This week's hot stock pick, Terex Corp (TEX), like Cummins (CMI), manufactures equipment for construction, infrastructure, quarrying, mining, shipping, transportation, refining, and utility industries worldwide. Terex carries earnings and relative price strength readings in the high 90s according to IBD, it resides in a solid A+ rated industry group, and enjoys a B rated accumulation by institutions. We might note that even Cramer likes this stock pick, and it was up $2.32 in after hours trading.

PAUL'S MARKET COMMENTARY FOR THE WEEK:

The major market indexes with plenty of our leading stock picks in tow blasted higher for the 2nd straight week in a row last week. Indeed, June was marked by gloom, and the market indexes notched several distribution days, which at times cast doubts on the markets current rally. But with July, the storm clouds disappeared and leading stocks have roared higher. In fact, Thursdays big up day was the biggest up day for the Dow in years. Despite the markets success, the contrarian put-call ratio, which measures the number of bearish puts versus bullish calls shot .99 higher, on Tuesday, indicating that skeptics remain, but this skepticism is exactly what propels the market higher. When everyones bullish, then its time to start worrying. So alls well as we enter the heart of earnings season next week, but as always, lets see how the flow of earnings measure up to Wall Streets expectations. As for economic news, look for the New York State Empire State manufacturing index on Monday morning, the sure-to-be-closely watched producer price index (PPI), and industrial production/capacity utilization on Tuesday morning, then the very important consumer price index (CPI), building permits/housing starts, and crude oil inventories on Wednesday morning.

FEATURED STOCK PICK HIGHLIGHTS FOR LAST WEEK :

Leading stock picks blasted still higher last week, with some stocks moving a lot higher even before their scheduled earnings release dates. Featured stock pick China Medical (CMED), whose earnings date is long past, blasted out of its base, and zoomed almost $2 above our buy point. Stock pick Apple (AAPL) continued its current run, and now sits over $10 above our buy point. Google (GOOG) burst through our latest buy point and tacked on $12.76 for the week. Proverbial mover, Research in Motion (RIMM) tacked on another $12.01 to its recent gains last week. Baidu.com (BIDU) was up $15.24 for the week. Then there was stock picks like Carpenter Technology (CRS), blasting over $4 above our buy point last week and Applix (APLX), Creditcorp (BAP), Shanda Interactive (SNDA), Bankrate (RATE), Manitowoc (MTW), Mobile Telesystems (MBT) and others breaking out and/or moving higher too. As we enter the heart of earnings season, be mindful of any stocks you are currently holding, which may be due to announce, as the market can deal harshly with stocks whose earnings come up short.

For many more hot stock picks and exact buy points, please visit: http://www.StockConfidential.com/

Paul Johnson is the publisher of Stock Confidential, a newsletter featuring hot stock picks that is sent via email to his subscribers every Sunday and Wednesday. Paul has also written several stock trading, real estate and internet entrepreneur ebooks.Milissent Blog30375
Missie Blog49103

Ten Business Writing Blunders You Can Easily Avoid

Most of us are too busy worrying about what we are writing to think much about how we are writing it. However, in business communication, having command of a clear, readable style is essential to getting your point across.

Here are ten types of sentence blunders to avoid if you want your reader to get what you mean and not have to stumble through what you write.

1. Run-On Sentences. You know the ones: they drag on and on, packing a paragraph's worth of details into a single sentence. Short sentences are easier to understand than long ones; they provide information in bits and pieces instead of a flood. In most business writing, aim for an average sentence length of 20 or fewer words. Note that this is an average, not a ceiling-the best writing contains both long and short sentences to keep it interesting.

2. Pompous Sentences. Many business writers use a phrase or a whole clause when a well-chosen verb would be much clearer. They do so to try to make themselves appear more knowledgeable or articulate than they actually are. Do not fall prey to this error by using big words or trite expressions-keep your writing at the level of your reader.

3. Overloaded Sentences. Such sentences are bloated with excess words. The passive voice is a common culprit, adding unnecessarily to the word count. Redundancies are also to blame-verbose phrases can usually be replaced with one or two words, making your sentences concise and meaningful.

4. Undue Enthusiasm. An occasional intensifier lends emphasis, but using too many can ruin your writing and give the impression that you are not being genuine. Otherwise, you come across like the literary version of a game-show host-wear that grin too bright for too long, and it will lose its meaning.

5. Crowded-Together Sentences. Many writers tend to try to connect a series of related sentences with conjunctions such as "and" instead of ending each with a period. In many cases, these sentences can be improved and shortened by using only one subject.

6. Hedging Sentences. It is tempting to insert "it seems that" or "there appears to be" in your sentences in order to avoid stating a judgment as a fact. However, when you have too many such hedges, particularly in the same sentence, you are not really saying anything. More often than not, your reader will know what is fact and what is inference.

7. Slow Starters. Starting a sentence with "it is" or "there are" simply delays getting to your point. Compare: "It would be appreciated if you could send the files immediately," versus "Please send the files immediately."

8. Nonparallel Sentences. Two or more similar (parallel) ideas should be presented in the same pattern, whether within sentences or between sentences. Lack of parallelism creates an awkward style. For example, the clauses in this sentence are not parallel: "Mr. Reynolds dictated the letter and next he signed it, and left the office." Compare that to this: "Mr. Reynolds dictated the letter, signed it, and left the office."

9. Awkward Pointers. To save words, business writers will often point readers' attention backward with expressions like "as mentioned above," "the aforementioned," "the former," "the latter," and so on. Doing so is a distraction to the reader and is usually unnecessary. If a reference does need to be made, it is better to name or restate the specific thing to which you are referring.

10. Misassembled Sentences. A misassembled sentence is one in which an element is in the wrong place. The most common misplacement is at the beginning of the sentence, creating a "dangling modifier." Take this awkward example: "Walking to the office, a red sports car passed him." Moving the modifier is an easy solution here: "A red sports car passed him while he was walking to the office."

Courtland L. Bovee, one of America's leading instructors in clear and effective communication, co-authors several leading college-level texts with John V. Thill, a prominent communications consultant and current Chairman and Chief Executive Officer of Global Communication Strategies. Their website, Business Communication Headline News, the #1 business communication site on the web, is at http://www.businesscommunicationheadlinenews.comMarji Blog48020
Merlina Blog61947

Career Assessments Help Moms Returning To Work

In 2000, about 77% of women in the prime ages of 25 to 54 were in the workforce. However, the tide has turned and mothers challenged with balancing careers and family have decided to drop out of the workforce. Yet, at home, they find they long to use their skills in a way that contributes constructively to a business. They hope for a flexible work schedule and time with the family to create work/life balance.

They know that one day they will re-enter the workforce full-time. Some may have to return to the working world, for one reason or another, long before they thought they would. They know that when they do attempt to return, the gap in their resume will create a huge disadvantage. So, they are thinking ahead. They want to fill that gap with flexible, part-time work. Theyll have references and marketable skills to show for their time away from full-time work.

At Smart Moms Online we encourage Stay-at-home moms to think ahead to the day they may return to work. The time to prepare for returning to work will come at different stages for different women. Some begin planning within months of being at home. For others it is only after a few years that they feel ready to make that decision. Whatever the timing, if you are a stay-at-home mom, we advise you to put more than thought into it. Pursue work-at-home opportunities to gain experience for your resume.

You should assess your computer skills. It is very important to know what skill levels you posses in the software packages you would be required to use on a job. If your skills are not as sharp as they should be, then pursuing software training is the next logical step. Legitimate employers want employees who have the skills that apply to their jobs. Beware of ads that say No Skills Required. What would you be doing that requires no skills? Think about it.

If you were in a field that is greatly affected by technology, policy changes or other advancements, being out for even a few short years can make skills obsolete. If you wish to return to that field we also suggest that you keep up with the happenings in that industry. Stay connected to their previous employer, their industry associations, journals and other publications. Take classes to update skills and stay in the game.

Often, moms returning to the workforce choose to pursue a totally new field. They may have decided their old field is too demanding for them at this stage of life. Or, they just want to do something different. Wouldnt it be great to explore your interests to determine where you belong?

Did you know that evaluating your strengths and weaknesses may help you develop a better resume or sell your self stronger on a job interview?

Free Career Assessments are valuable tools that will help you determine where your skills stand as well as helps you zero in and get focused on who you are and what you would enjoy doing.

Michelle Yanik, is co-owner of Smart Moms, a company committed to being the top online resource for moms who want to earn money from home and find work/life balance. Sign up for our information packed e-newsletter and get a complimentary copy of our e-book, Striking A Balance at http://www.smart-moms-online.com .Marsiella Blog9998
Melessa Blog93580

How to Market with Articles

Writing articles is a very effective way to get one way links to your site as well as to have people learn more about your website or service. However, there are ways to do this that can make you more successful versus have your articles be overlooked and not considered.

Shane Pearce has written the Lazy Man's Guide to Article Writing which outlines some helpful tips. I was first impressed with his tip that when you submit your article to an ezine publisher or a webmaster, that you can offer him to use his own affiliate link in place of your own. For instance, if you have written an article on motivation and have a link to a clickbank ebook on motivation and goals, you can offer the publisher that he use his own affiliate id instead of yours. What this means is that the ezine or website publisher will be getting a free article already written with a link that may give him some monetary income. You still would have your own information in your resource box at the end, so people can click to your website as well. Think about what the website publisher you write to will get out of the exchange and find a way to make his or her life easier.

Other tips he gives are to read frequently asked questions to find out what people want to know about in terms of popular topics. Shane discusses how to make a viral ebook based on a faq niche that can be passed around. If there are frequently asked questions on a topic that is a sign that the topic has an interest as well as the fact there may be an interest in some guide or tutorial.

Also I like the sample autoresponder examples he uses as well as different ideas for a signature file at the end of one's article. I think he is very good at showing how to integrate a couple of affiliate links without being pushy. He recommends sending people to opt-in to a mailing list as part of your signature file.

Another section I found useful discusses how to create checklists and use them both for your website and in articles that lead back to your website. People like checklists. Shane discusses how to use these. They also help break through writer's block or paralysis because you can have a list of steps .

There are ideas given about utilizing both 2-tier affiliate programs and residual income programs that will help you keep you earning as your articles circulate around the net. Shane gives some interesting suggestions on types of sites that work for this.

I also like that Shane gives an example of a flop he did of an unsuccessful attempt at marketing. He analzyes it and compares it to something someone else wrote he feels was better expressed. It is a very interesting study covering various ways to get your articles noticed and published. I publish articles regularly but learned some valuable tips from this ebook.

Dee Cohen is an author and publisher at http://www.socialsitesmarketing.com/article-writing.html, You can visit to learn effective ways to gain traffic by writing free articles.Margit Blog44596
Matty Blog38274

Prosper with Virtual Real Estate and Digital Assets Part 1

A growing but underground movement is quickly gaining steam online. Others outside the Internet business world may be missing this expanding industry.

Since the dot.com boom and its bust many people outside the Internet marketing world have understandably been skeptical about the net being a realistic path to business and financial wealth. However, almost a billion people around the world use the net as an information gathering, ecommerce, or, more recently, social networking resource. This critical mass of worldwide Internet traffic means that billions of dollars in online business are being generated by a variety of different Internet industries.

Nevertheless, even some Internet business owners arent really sold on the mediums potential. Despite the seemingly boundless potential online marketing opportunities, all too often many netpreneurs complain that they arent realizing their dreams of a viable Internet business.

By contrast, many people choose to invest in real estate. Real estate is a stable, reliable, and usually profitable investment. The people invested in real estate would probably scoff at any comparison of the value of net-based assets against actual real estate.

Could you convince Donald Trump that internet-based virtual real estate might be as valuable as traditional real estate? But when you factor the billions of dollars Google, Amazon, eBay, and Yahoo! are generating with their digital assets into the argument, even the Donald would give this booming industry another lookand probably already is.

With some savvy planning, many people may see wealth from online digital assets in the near future. In the next three weeks, I will reflect on how digital assets can begin to build a virtual real estate empire for you in some creative ways that may even rival traditional real estate. First, lets define virtual real estate and digital assets.

Virtual real estate, or a VRE site, is a term coined by the online sales success John Reese. Reese is known for his legendary one million dollar sales day during which he sold his Traffic Secrets course. He also covers industries with promising virtual real estate potential in his monthly membership site, The Reese Report. You can read my review of the Reese Report at
http://www.searchengineplan.com/seo-reviews/reesereportreview.htm.

VRE sites, according to Reese, are websites that become valuable because they can carry and be monetized with Google Adsense(tm) or the Yahoo! Publishers Network (or YPN advertising network). The Virtual Real Estate or VRE business sector is becoming a burgeoning industry online. This began in earnest once Google started to allow website owners or publishers to carry Adsense contextual-based ads on their sites.

In the past, if you had a site that wasn't a viable ecommerce site, you were out of luck doing business online. There were only a few other ways to make money online such as selling on eBay or promoting affiliate programs. Running a business based on ad revenue was really the domain of major traffic sites like the MSNs, Googles, and Yahoo!s of the world.

The tide has turned and now small website owners can make significant income by placing Google Adsense(tm) or Yahoo! Publishers Network (YPN) ads on their sites. The VRE industry is more than a cottage industry. I have read reports from reliable sources that claim Google presently generates about 40% - 50% of its ad revenue from Adsense(tm). According to investment and stock information reported on the Yahoo! Financial site, Google generated over $6.1 billion in 2005. Since Google is on target to be a $7.5 billion company, you do the math. A recent report by Business 2.0 magazine stated, Adsense alone is expected to generate sales of $4 billion this year.

This means some savvy web marketers will become millionaires marketing and reselling Adsense(tm) ads and related services. One such person is the Adsense Go To Guru, Joel Comm. Comm is one of the most successful netpreneurs to profit and then leverage the earning potential of the Adsense(tm) windfall. Comm used extensive research on his sites with Adsense presentation to develop Adsense best practices to maximize the earning power of the ads.

Joel recounts how he started out only making less than 10 dollars a day in Adsense(tm) and later was able to make a six-figure income on Google's ad program. Next, Comm wrote an Adsense ebook that became a best seller on Click Bank. He then leveraged his knowledge to write a print version of the book to become an Amazon, New York Times, and Time magazine bestsellermoving over a reputed four million copies of his book! Joel Comm's insights are now standard Adsense conventional wisdom used by millions of sites to generate more click-throughs. You can read a review of Joels Adsense Book at
http://www.searchengineplan.com/seo-reviews/joelcomm.htm

On the other hand, many Internet purists have disdain for the VRE gold rush and see it as fools gold. They make a point that too many Adsense(tm) supported sites are cluttering up the Internet with useless, valueless, and duplicate content. Google's criteria even forbids people from starting sites just for the purpose of generating Adsense(tm) revenue. Furthermore, respected Internet marketers like John Humprey have opined in recent months that his Content Desk Team feels traditional Adsense sponsored sites are dead, and instead, he promotes what he calls authority sites.

In the second part of this series, we will discuss Googles attempt to stem the tide of quasi-content VRE sites and YPNs rise to become a serious player in the publishers ad reseller industry. We will discuss if VRE sites are a long-term business model that is here to stay or a temporary phenomena in online marketing. Until then, I hope and pray you are always on top in your business and personal life.

Kamau Austin is a stay-at-home dad, Searchpreneur©, and the publisher of www.SearchEnginePlan.com. He is Author of "Always On Top - How to Get Your Website on Top of the Search Engines Every Time!" Austin is also the creator of the Search Engine Efficiently Maximized eBusiness or (S.E.E.M.e) training system. Download the eBook version of his book with streaming video at http://www.AlwaysOnTopBook.com . For the Printed Version and CD visit http://www.AlwaysOnToptheBook.com. Nancee Blog30986
Meghann Blog96711

How To Avoid Common Personal Banking Mistakes

Using a bank can really save you money, but there are also ways in which you lose a lot of money. If you are not proactive in recognising potential dangers and mistakes, then you could be caught out. Here are some of the most common personal banking mistakes and how to avoid them.

Not reviewing your statements

Many people get their statement each month, open it and then throw it away. If you don't look at your statements properly then you will not see mistakes on your account that could be costing you a lot of money. If there is a payment that you did not make then you could be charged a fee, and there is also a chance that you card has been copied. Checking your statements against all your purchases each month is imperative.

Paying too much

Many people are too lazy to shop around or to question the fees that they pay each month on their accounts. If you look at the fees you pay you might find that you are paying far too much. If this is the case then it is time to shop around for a better deal, because you could save yourself a lot of money each year just by not paying expensive banking fees.

Leaving paper around

When you look at your bank statement or open bank related information, make sure that you don't leave it lying around. If you carelessly discard information relating to your account then you are an easy target for identity thieves and fraudsters. Make sure that you keep all bank related information in a safe place, and shred any documents that you are going to throw away.

Using ATMs without care

When using an ATM, make sure that you take precautions. Do not write down your PIN number anywhere near your card, and make sure that you shield your number when you type it in. Being aware of people around you when using an ATM can stop most potential crime.

Banking online in public

Although you might need to check your account urgently, checking your online account and carrying out transactions on a wireless network is not totally secure. There is a chance that someone could access your details, or that the transaction will be lost. Use your online banking at home if at all possible.

Not establishing a relationship

If you want to get the best deals from your bank, then you need to establish a relationship with them. If you have a local branch, then arrange a meeting with the bank manager so that you know who they are. Although you might never need their help, if there are any problems or you need extra funds then knowing your bank manager can really help.

Only borrowing from your bank

If you have been loyal to one bank for a while, then perhaps it is time to rethink that loyalty. Although you might think your bank offers the best deal, whenever you want to purchase a new financial product you should shop around. There are many other places, particularly online, that can offer you great deals on borrowing money from credit cards or loans. If you are careful with your banking information and shop around for the best deals, then you can avoid most of these common personal banking mistakes.

Peter Kenny is a writer for The Thrifty Scot.Marna Blog10910
Marybeth Blog91966

Infiniti Manhattan is something that one would dream about

Luxury and the comfort are the right ways to define Infiniti range of cars that have been developed by Nissan. When it comes to style and classicism, then Infiniti car is the one that car lovers would go about. It really becomes a matter of pride when you are driving in your favorite car and people are giving a second look to your car. Every single model in Infiniti series of car has something really distinctive about them. You are surely bound to get spellbound on seeing all the models. If you happen to reside in Manhattan, then you can approach your nearest Infiniti dealer for buying your dream machine.

There are various Infiniti dealers in Manhattan and other places near you. Now, what you have to do is visit that dealer in order to fulfill your dreams of driving one of the most luxurious cars ever. These dealers have many facilities for their customers that make it possible for them to buy this stylish car. Financing is one of the facilities that are being offered by numerous Infiniti Manhattan dealers and many other areas. This facility is concerned with paying certain amount as down payment and the rest is being divided into installments that are payable according to your convenience. In this way, you can drive your dream car within the budget you have.

Infiniti dealer, whether in Manhattan or New York or any other state, can surely be of help for those who are aspiring to take home Infiniti series of cars. Every single model from this range is so spacious that you can sit easily and be comfortable. After all, Nissan has taken every care that the person who drives Infiniti car should be extremely comfortable and experience perfect driving. Some of the models of Infiniti that is really among the demands of people are G35Coupe, G35 Sedan, FX 35, Q45, M35 and M45. Due to its classic features, Infiniti Manhattan has become a favorite car of many people.

It is the parts of any car that keeps it going and it is the same with Infiniti range of cars. The parts of every Infiniti model are manufactured with the help of technically skilled professionals, who have a quality experience in their respective fields. When the old Infiniti parts get worn out, many dealers help the car lovers to buy original parts for replacement. If you put fake Infiniti parts, then the performance of your car will surely get worse. So it is better for you to take care of this matter. It is the features, style and excellent colors that are the plus points of Infiniti series of car.

What may happen if you are falling short of finance and still want to buy Infiniti car? Well, used Infiniti car is the best option for you. Though, it may give you a feel that your car is not new

Tim Johrer has a special interest towards luxury cars and knows that the level of class defines luxury cars.He provides information to customers about different range of Infiniti cars.For more information related to Millennium Infiniti,Infiniti car dealer and NY used car manhasset visit http://www.millenniuminfiniti.comMarylynne Blog38801
Nada Blog33112