Student credit card help with managing finances

Once a child enters college, there are lots of responsibilities that have to be faced by the child. One of the many responsibilities is to learn the art of managing their finances. A student credit card can prove to be both a great help but can also be an equal challenge. Most credit card companies bank on this opportunity of getting as many children interested in their student credit cards as possible. College student credit cards are often sought by parents looking for convenience and comfort for their children.

With the intention of getting more applications for student credit cards, credit card companies may offer free t-shirts, pens or CDs, anything that would attract the average teenager to apply for a student credit card or a college student credit card. However, before actually thinking of applying for a student credit card, the student has to learn how to use the credit card, to avoid falling into thousands of dollars of debt, outside their personal school loans!

The best way of getting your child ready to handle the responsibilities of a college student credit card is by applying for credit cards with both your names on it, and having a low credit limit. In this way, both you and your child have access to the credit card, while you get a monthly statement to get an idea of what the child has spent money on. Make it a point to budget a certain limit of money each month, wherein the child has to pay the amount off with their own money if possible. This way, the child learns not to pay for things that they cannot afford.

When choosing on the best student credit card for your child, choose one that has a low limit wherein the child has to be careful in spending money in order to remain in good credit standing. You can choose from either of the many tables and booths that are set up at college fairs or perhaps find the best student credit card with an online search. However, make sure that the company you are considering caters to student credit cards because these companies generally will have student credit cards generally have less stringent credit history criteria while also offering lower interest rates.

When choosing the right college student credit card, look for the company offering a longer grace period so that the child has more time to make payments for their expenses, before accruing any interest. It is always better to choose the student credit card that has no annual fee and a low late payment fee. This is of course to help the child that might face the prospect of incurring expenses over the long term with the card.

When applying for a student credit card, make sure to furnish accurate and true information about the student and yourself. You will have to reveal your name, address and phone number while the student will have to furnish information of the college, enrollment status and the year of enrollment to the institution. If any false information is provided, it diminishes the probability of getting the student credit card as the companies verifies all the information that is provided to them. Students that are employed or who have a substantial balance in the bank proves to be a more likely candidate for a student credit card. However, the maximum credit credit card companies offer students to start off with is usually in the range of $500 - $1,000.

One of the many advantages of having a student credit card is that the student can buy their school books using the college student credit cards instead of carrying money to pay for the them. This proves to be safer to the student. Student credit cards are best used to cover unexpected expenses the student may face. There are also student credit cards that let the student gain rewards for their purchase like cash back or perhaps even gas money for their trips back home!

Bob marley nine mile

Bob Marley Nine Mile

When visiting Jamaica’s beautiful Ocho Rios make sure you take some time out of your vacationing, water sporting, fun in the sun, and exciting nightlife partying to visit the Bob Marley Nine Mile, the community that helped shape the life and career of one of the most famous musicians of all time. Even if you’re not a particular fan of the man’s music, you’ll get a real sense of what he was about.

Many Bob Marley fans come to Ocho Rios specifically for this unparalleled experience. The quaint village of Nine Mile is nestled high in magnificent mountains of St. Ann, and serves not only as the birthplace of the legendary Reggae King (1945), but also where he was laid to rest in 1981. Fans of Marley have described the Nine Mile experience as one that allowed them to get more in touch with the musician’s roots, to understand the depths of his lyrics, and to come away from it feeling a renewed sense of faith about what’s most important in life.

Be sure to check out the small family house—where the Bob Marley legend all began. Some of Marley’s family are still there, most notably his mother (“Mother B”) and Uncle Lloyd. The small home is littered with photos of the renowned late musician, and you will likely hear stories of Marley’s childhood and early musical career from his mother and/or uncle, as well as the guide. You should also visit Mount Zion Rock (the famous Bob Marley meditation spot), the Fireside, where he cooked many meals, and finally, the mausoleum, the King of Reggae’s final resting place.

If you’re not quite sure how to go about touring through the Bob Marley community, try a Nine Mile guided tour complete with an authentic Rastafarian guide (in authentic Rastafarian garb, no less!) who will take you through the village from one important element to the next, so you don’t miss anything and so you can soak in the entire experience from beginning to end.

How to cure bad breath permanently

As humans, being liked, popular and sought after is a natural desire inherent in each of us. This is why deodorants, toothpastes, gym memberships and fancy cars sell at astronomical rates. This is also why mints are so popular and hardly a day goes by without someone at work, school or in public asking you “do you have some gum?” You already know what that person may be trying to curb or correct: Bad Breath. (It also relieves you this person didn’t offer you some!)

I wrote once in an article in my blog titled “You’ve lost the weight but how clean are you on the inside?” that exterior indications-though very convincing and at times correct-don’t necessary depict proper health, as disease may manifest itself in various ways.

One strong indication of disease is always stench, as a result, if you suffer from bad breath or as is Medically diagnosed, halitosis, this is a sign that you need to make some drastic dietetic changes or undergo a cleanse to curb this unpleasant occurrence.

Using toothpastes (especially the controversial and hazardous fluorinated ones), mints and chewing-gums to curb bad breath, like any artificial drug for any disease, doesn’t cure this ailment but only masks its symptoms temporarily-only for it to come back in full force. This explains why we as humans become addicted to all sorts of unnatural and oft time hazardous substances ranging from pain killers to alcohol.

The necessary and very effective measures one should take in eliminating bad breath are the following (you can trust this author who even upon waking up doesn’t have the so-called ‘morning breath’, falsely and commonly accepted as being natural…nothing my friends could be further from the truth!)

1. Make a change in your diet; for as is known in every culture known to man; “You are what you eat!” Hippocrates - the Father of Medicine once said: “Let your foods be your medicine and your medicines your food”, well ‘what should I eat?’ the uninformed might ask: Plain and simple: alkaline forming/mucus binding foods also known as, you guessed it right (if you’ve read my other articles elsewhere) Fruits and Vegetables.

One common indication of disease besides stench is always mucus and this is introduced into the body by only one means, what you consume, therefore all measures should be taken to eat the foods that not only nourish you but have the added ability and benefit of being able to bind and eradicate the excessive mucus.

I am not trying to be a pro-vegan or vegetarian (heck I’ve smelled bad breath and strong body odor on the most blindly fanatical of both kinds of people before) but, from experiments and being a nature lover, all vegetarian animals-free of human captivity or at least allowed to eat their natural diets (for examples the grazing cattle who consume only grass) DO NOT have any bad breath.

For a good example of a suggested daily menu plan, look for my article on ‘How to get rid of Acne in 10 days’ on this site as space is a constricting factor at this time.

2. Practice basic natural oral hygiene. As I indicated in the core e-book of my site, practitioners of Yoga such as the hard-core ones in India, Africa and even here in the USA know of such ancient techniques of cleansing the body that-though not as necessary for the beginner-are very, very effective for eliminating bad breath.

Type “kunjar kriya” up in Google and read what this process is. Being an advanced technique that must be practiced under supervision, a simple and less repugnant (if you think) process will be:

-Brushing the teeth with a toothbrush and pure all natural un-iodized Sea-salt or using an African Chewing stick or even a firm toothbrush exclusively. I always get compliments on my dentition and smile and besides my mother’s genes (if I may be so vain) using one of these methods has proven to me to be the safer and more effective methods of dental hygiene as outlined in chapter 11 of the text mentioned elsewhere in this article.

-Massage the gums with your clean index fingers. This essential practice strengthens the gums and cleans out impurities from its pores.

-After this; join the index, middle and ring fingers and massage the back of the tongue thoroughly for the same purpose.

-When you are done with these two procedures, scrape the tongue thoroughly with a tongue scraper designed exclusively for this or a blunt bread-knife. Intermittently, between all the steps above, you should rinse the mouth with warm saline water and ensure to gargle with this solution upon completion.

As you may have observed from the steps above (and in most of my articles) alleviating the symptom of a discomfort such as bad breath is mostly a two-part procedure: A drastic change in the diet (internal) and natural cleansing procedures/exercises (external). To complete the three limbs of Naturopathy, your positive and open-minded approach in reading this article takes care of the positive thinking aspect.

It never ceases to amaze me how the population so naively accepts mere fads, hyped products and so called drugs to eradicate the myriad of our modern day ailments, but take it from a guy who suffered (note the PAST tense) from asthma, acne, bad breath and depression for a long length of time, most if not all common diseases of this age can and will be things of the past if some basic all-natural methods such as the steps above for bad breath are applied.

Canadian research analyst forecasts severe uranium supply crunch for next 10 years

Uranium to Head North of $500/pound?

Rising Uranium Price May Consolidate Exploration Sector, Driving Intense Takeover Activity

Legendary stock picker James Dines recently compared uranium stocks to the high-flying net stocks of the halcyon days of the Internet expansion era. While the much-hyped and fleeting Y2K crisis never materialized, the U. S. energy crisis for highly sought uranium has been developing for more than twenty years. Still early in the current bullish uranium cycle, investors are scoring triple-digit returns on what some are calling a ‘renaissance in nuclear energy.’

Nearly 2 billion people across the planet have no electricity. The World Nuclear Association (WNA) believes nuclear energy could reduce the fossil fuel burden of generating the new demand for electricity. The WNA forecasts a 40-percent jump in worldwide electricity demand over the next five years. The world’s most populated countries, China and India, are in the process of creating the largest energy-consuming class in the history of earth. Both plan aggressive nuclear energy expansion programs. Dozens of lesser developed countries, from Turkey and Indonesia to Vietnam and Venezuela, have announced their eagerness to pursue a civilian nuclear policy to benefit power needs for their burgeoning middle classes.

In a nutshell, global utilities are going to need uranium to help feed the increasing number of nuclear power plants proposed over the next twenty years. Uranium is now in shorter available supply for civilian energy use than ever before. Over the next decade, as demand continues to outstrip supply, analysts are predicting utilities will snap up known uranium inventories sending spot uranium prices to record highs. During this launch phase, investors have taken notice, chasing up the stock prices of many uranium producers and exploration companies.

Uranium Prices May Reach “Unbelievable Highs”

Toronto-based Sprott Asset Management research analyst, Kevin Bambrough, told STOCKINTERVIEW. COM, “There is a good possibility of a supply crunch that could drive uranium prices to unbelievable highs.” Various analysts predict price targets for spot uranium, in the near-term, above $40. Canadian Augen Capital Corp’s managing director David Mason speculated, “$100 (US) a pound is within reason within the next year or two.” Sydney-based Resource Capital Research is half as generous, forecasting $50/pound by 2007, explaining another 40 percent jump in spot uranium prices will be “driven by end users in the power generation market which is urgently trying to secure supply into the future.”

How high could spot uranium prices run? Kevin Bambrough made a hypothetical case for uranium trading north of $500. “It’s a ridiculous price,” Bambrough confided. “It’s hard to speculate if this is even going to happen.” While he admits that price would not be sustainable, Bambrough makes an interesting point about the concerns facing utility companies, charged with providing us with our electricity. In his futuristic scenario, Bambrough speculated, “There’s a chance that some facilities will have to choose shutting down their nuclear plants (if they can not obtain uranium to fuel the facility).” On that basis, Bambrough calculated the operating costs of a nuclear facility versus the operating cost of a competing fuel. In his conjectural model, Bambrough used natural gas priced at $5.

Bambrough explained, “Assuming that the coal-fired plant’s operating capacity, before you would basically shut down a nuclear facility, you would be comparing it to what you would have to bring on, which would be natural gas. If there is a shortage there (with natural gas), what price would it take before I am willing to shut down my nuclear facility? If you were to shut off the nuclear capacity, and fire up more gas to replace it, it would send gas prices through the stratosphere.” And that doesn’t factor in the cost of shutting down a nuclear facility, itself an exorbitant process. The analyst said he reached his calculation of “north of $500/pound” for spot uranium, under an extraordinary emergency supply crunch, by answering this question: “How much would people pay before they shut it (a nuclear plant) down if there is a shortage of uranium?”

Historical cycles support spot prices higher than $40/pound, a level above where uranium may hover for several years. The current cycle of rising uranium prices closely parallels the leap which occurred between February 1975 and April 1976. Spot uranium prices soared from $16 to $40/pound during that 15-month period. During the 1970s cycle, uranium steadily rose from $6.75/pound in November 1973, peaking in July 1978 at $43.40/pound. Since late last year, spot uranium prices soared with the same momentum seen thirty years ago. If history repeats itself, spot uranium prices should trade above $40/pound this year, and stay above that level until the end of this decade or perhaps for a longer stretch.

The key yardstick in determining how much higher uranium prices will climb is by keeping track of the number of new nuclear facilities being constructed or proposed. “A few years ago, when we first started investing in uranium,” Bambrough explained. “There were very few plants being proposed. The numbers have doubled for proposed facilities. And for every one you hear about, there’s a lot more being planned.” That puts uranium miners into an enviable position. Bambrough added that utilities have to secure their fuel supply for up to six years out, once they decide to build a nuclear facility. “The fact is the supply is just not there,” warned Bambrough.

In short, U. S. utilities may soon be scrambling for uranium inventory to fuel their nuclear reactors, or face the “ridiculous price(s)” research analyst Kevin Bambrough warned about. An excerpt from The International Atomic Energy Agency’s booklet, Analysis of Uranium Supply to 2050, bears out Bambrough’s thesis, “As we look to the future, presently known resources fall short of demand.” The deficit between newly mined uranium and reactor demand has averaged about 40 million pounds annually over the past decade, cannibalizing existing inventories. As we begin 2006, the supply/demand imbalance has reached a critical phase.

Where Will the Uranium Come From?

In his September 2004 presentation to the World Nuclear Association, Thomas L. Neff of MIT’s Center for International Studies, stated, “The net result of nearly twenty years of inventory liquidation is that existing higher-cost suppliers were driven out of business, new mines were discovered from starting, and exploration was neglected.” Neff warned in his conclusion, “The problem is the one to two decades that will be needed to expand (production) capacity and build the flow of nuclear fuel that meet the expanding requirements horizon.”

The 1970s price spike in uranium was limited because existing uranium mines were quickly ramped up to supply utilities with fuel. Neff noted, “This is not the case today and a longer period of high prices could prevail.” In Neff’s analysis, uranium prices would have risen well above $100/pound in the mid 1970s, using constant 2004 US$. On that basis, Bambrough’s hypothetical forecast above $500/pound may be not too far out of reach. Neff summarized why the problem has reached a critical stage, “We are currently facing the consequences of what may be the largest sustained divergence between expectations and reality in the 60 year history of uranium.”

“For people who want to bring on new (nuclear) facilities and contract for it, it’s very difficult to do that,” said Bambrough. “You have to go to mines that are not even there yet in order to try and contract supply.” In this light, it appears the greatest opportunity will appear with the junior uranium companies, which obtained known uranium resources during the last down cycle, and whose operators abandoned such properties because of low prices.

How Can Investors Profit?

Bambrough recalled compiling a worldwide list, in 2003, of a mere 25 companies involving in uranium mining and exploration. “I cut the list down to around ten that looked to be promising,” said Bambrough. “I’d say that today there are still less than 30 uranium companies that present a good reward-to-risk ratio considering the massive move the sector has made.” Depending upon whose list you believe, the number of companies now mining or exploring for uranium stretches to about 200. The majority trade on either the Canadian or Australian stock exchanges.

What sort of companies has Sprott Asset Management invested in? Bambrough responded, “We have preferred to invest in companies that have acquired properties that were once owned and were actively being worked by majors at the end of the 70’s bull market.” He added, “The cost of uranium exploration is so large there is great value built into many of these properties. Specifically, millions of dollars worth of drilling work and data have been collected on some properties. In some cases, mining shafts have been built that only require rehabilitation at a fraction of the cost of starting fresh with a green fields project.”

Bambrough shared a few of his favorite uranium stocks. “Of the companies that we own, we own a larger percentage of Strathmore Minerals (TSX: STM; Other OTC: STHJF) than almost any other company,” said Bambrough. “We think they’ve got some great properties. They were guys who got into the game very early, and who have skills as they do with David Miller (president and chief operating officer of Strathmore Minerals) in understanding the uranium business. And they have a very large amount of databases, as does Energy Metals Corporation, which is extremely valuable in understanding the properties.” Both Strathmore Minerals and Energy Metals have properties in New Mexico and Wyoming. “I think the future for New Mexico is quite good,” Bambrough noted, “as well as ISLs in Texas and Wyoming.” Another Sprott Asset Management favorite is Tournigan Gold Corp (TSX: TVC). “You look at a past producing region,” Bambrough pointed out. “They went and got old mines.” Tournigan recently drilled the historic Jahodna uranium resource in Slovakia, once drilled by the Russians.

Where the Action Is

The more adventurous price action may be found in the ongoing consolidation within the uranium sector. Bambrough observed, “There appear to be a few aggressive junior uranium companies that seem to be moving forward and working to build a ‘major’ company.” In November, one uranium exploration company, Energy Metals Corporation (TSX: EMC) began takeover procedures to acquire two other uranium juniors, Quincy (TSX: QUI) and Standard Uranium (TSX: URN). Standard Uranium has since traded nearly 70 percent higher. “There are people who have neighboring properties, and it makes sense for them to come together,” advised Bambrough.

In late December, another of Bambrough’s favorite uranium companies, Strathmore Minerals (TSX: STM; Other OTC: STHJF), announced it had “engaged National Bank Financial as its exclusive financial adviser to review transaction alternatives to maximize shareholder value from its uranium assets.” Questioned about this news release, CEO Dev Randhawa told StockInterview. com, “National Bank has the best technical team and will help us reach the right decision to maximize the benefit to our shareholders.” In a 2005 research report, the Cohen Independent Research Group set a price target of C$4.29/share for Strathmore Minerals, based upon the current spot uranium price.

“I think the market could really use more large cap uranium companies, since large fund managers currently can really only look to Cameco (NYSE: CCJ) and Energy Resources of Australia (ASX: ERA) to get exposure to the uranium market,” said Bambrough. “There are several junior companies that should come together to form large uranium companies to leverage their extremely valuable skilled personnel, lower the exorbitant costs of permitting and exploration, and achieving other economies of scale.” How soon would it be before a larger company, combining some of these promising juniors, reaches listed status on the New York exchange? “I would guess that a NYSE listing may not come until 2007 or 2008,” responded Bambrough.

Bambrough remains enthusiastic about the uranium sector and closed his remarks, saying, “I expect that we will see a great out performance by quality uranium companies as they move their projects forward. We still see some incredible values and are still actively investing in the space. We are still in the early days of the uranium bull market.”

London fashion design schools

London Design Updates: Bridge May Tremble But Not Fashion Schools

Have you ever heard a brave forecast such as this?

Now on a lighter note, consider this: Ramps are more dramatic than bridges. How come? This is because ramps have provided the world with classic items of Burberry to more liberal creations of Jimmy Choo. And these ramps were made sturdy primarily by London fashion design schools. Top fashion designers like Clements Ribeiro, Alexander McQueen, and Sophia Kokosalaki would agree just the same.

What makes it great about earning a degree from a fashion design school in London?

London lies in the central part of England. This is one of the busiest cities in the world. It has taken part in many revolutions. The well known of these revolutions is the so-called the Industrial Revolution.

As years went by, London, during the 19th century, received the spotlight for men's fashion statements under the headship of dandies of Regency including Beau Brummell. Not so long after, around the mid of1960s, London was, once more, for a moment the heart of fashion statements and influence.

London nowadays also lies in the heart of the fashion industry. The same city that has revolutionized many aspects and statements in the fashion industry years ago is the same city that continues a legacy for styles and prevailing modes of life. The key now lies to the competent trainings designers undergo in various fashion institutions and even in the marketplace.

In fact, whatever you want to earn: a specialist course, a fashion school certificate, or a university degree, you will definitely find a school in London that can give you the edge and the guts to get along well with other topnotch designers. Moreover, though there are a thousand of schools all around the world, it is a fact that the UK retail garment market provides training opportunities for high-end fashion, mass market, and even Asian imports. In fact, the market shares a projected $ 50-billion sale, 75% of which account for women's and children's clothing.

If you want to immediately run for a job-entry, a summer program or a year at a London fashion school can provide you with fashion skills that are already in the entry-level. If you are still on a shaky ground, consider enrolling in some international schools with campuses in London.

The following lists of schools have links that will provide other information about some schools in UK:

1. The Royal College of Arts is a school of textiles and fashion (http://www. rca. ac. uk/ UK).

2. London College of Fashion is an international institution for technology, design, sales and administration in the textile, accessories, footwear, and fashion industries (http://www. fashion. arts. ac. uk/).

3. Manchester Metropolitan University offers degree courses including fashion, textiles and textiles for fashion, embroidery, and even fashion design with technology (http://www. artdes. mmu. ac. uk/).

4. University of Westminster, located in Harrow, UK, offers a degree in BA

Fashion Design (http://www. westminsterfashion. com/)

5. London-Milan 2006: The Dual City Summer Sessions offer both novice and advanced courses. Campus in Milan is called Domus Academy in Milan and campus in London is the Central Saint Martins College of Art and Design and (http://www. london-milan-courses. com/).

No matter what type of school lands as your choice, you can rest assured that you have three-fold benefits: style is globally-renowned, schools have international connections, and the language used is universal, that is English. Thus you can take carry your portfolio with pride.

You can say that a London fashion degree is a passport recognized by the world and its diverse fashions. History, indeed, repeats itself.

Discount ink cartridge

Despite the steep drop of printer price, printer ink remains to be one of the most expensive liquids in the world. According to a recent study by the UK Consumers Association, printer ink costs even more than French Champagne per milliliter.

Many consumers are fed up with the high price of OEM replacement cartridges. Many of them bought a cheap ink printer for home use, only to find out that they have spent more on ink cartridges in just a few months. This is why discount ink cartridges become so popular among bargain hunting consumers these days.

Discount ink cartridges are mostly compatible cartridges, also known as generic cartridges. They are like the generic drugs in pharmaceutical industry. Compatible cartridges are made brand new with the same specifications of name brand cartridges but are generally 50-75% cheaper.

One consumer was quoted saying "I was amazed at the money I save using these discount ink cartridges. I can print as many color photos as I want now". Another consumer said "I was a bit concerned about the printing quality at first, but it worked out great".

The other type of discount ink cartridges is remanufactured cartridges. They are name brand cartridges which have gone through one cycle of use, but refilled and sometimes installed with new components. Remanufactured cartridges are a bit more expensive than compatible cartridges but still offer a big savings compared to OEM cartridges. In addition, they are very popular among environmentally concerned consumers.

Although many stores offer discount ink cartridges, consumers are advised to choose the products carefully. In addition to price comparison, they should seek out suppliers who can also provide good service, good refund policy and extended warranty.

To learn more about discount ink cartridges and to see if they are available for your printer model, please visit the following site:

http://inkjets.4reviews. net

Lg ke850 prada where style meets functionality

Over the last couple of years, there have been many mobile phones that have looked as well as they've performed. Some that spring to mind are the Nokia 8800 series, and the LG Chocolate models. Not only did they offer a host of features to compete with the best mobile phones already on the market, but they also looked beautiful into the bargain. Now, one of these companies has done it again, and that company is LG, with its stunning new KE850 Prada mobile phone.

Not for the first time has a mobile phone company collaborated with an external source to design a phone (as was seen by the Motorola Red series, among others). However, this is surely one of the first times that such a high-profile name like Prada has been involved, and the results speak for themselves. Sleek, sexy, sophisticated and elegant; these are all words that are bandied about whenever the name Prada is mentioned, and the LG KE850 mobile phone follows suit.

With absolutely no buttons on the fascia (unless you count two miniscule options for calling) to speak of, this allows the screen to almost cover the whole length of the front of the phone. The reason this is possible? Touch screen technology. Although Ericsson may claim that they had this first with their stylus operated mobile communicator, that company certainly never had the sheer aesthetic stylings of LG's latest masterpiece. And the icing on the cake surely has to be when the display fades when not in use, leaving you with a sheer screen and a phone not too dissimilar in looks to Sony's wonderfully designed PSP handheld.

However, if you think the phone's design is impressive, wait until you see the features it manages to incorporate into its slim case. As well as the usual 2.0 mega pixel camera, it also features:

·MPEG4 video player for the latest and sharpest video compression

·Music multitasking for messaging, allowing file downloads and transfers

·Document viewer, including Excel and Word doc support

·Bluetooth 2.0, the latest version of this excellent transfer tool

As well as this, the LG KE850 Prada mobile phone also allows you to upgrade the memory capacity via its USB slot, so that even if its already generous internal memory is not enough, it can be easily increased.

Indeed, if there's one drawback to the phone, it's that it is only tri-band whereas most phones are now quad-band. Although this won't affect its use in its home and desired customer territories, it will mean it won't work in the US. However, if you're looking for both a stylish and feature-filled phone and you're not in that part of the world, you can't do much better than LG's new superstar.

Buy term life insurance online it s quick and easy

The purchase of term life insurance can be easy and painless. The online shopper can search the web for term life insurance rates and find enough information to make a decision very quickly. The key to shopping for life insurance is pre-determining the amount that you need and the type of term policy to cover that need. Once you resolve these two issues then you are able to go online knowing exactly what you are looking for and that is a major time saver.

Single Needs Purchases

1.Final Expense Fund – Final Expense insurance is a basic single need purchase. Shopping for final expense is the simplest single need life insurance purchase that you will ever make. Determine the amount that you want for burial expense and go shopping for it online.

2.Mortgage Life Insurance – Mortgage life insurance is another basic single need that you can shop for online. This is a decreasing term policy that is issued to cover the mortgage balance on your home.

3.Readjustment Period – This is another single needs purchase. This policy is purchased to provide an income for the beneficiary for a pre-determined length of time.

The combination of all of these needs can be purchased in one or two policies as well. You will shop with greater confidence and purpose if you can pre-determine the amount that you need. The type of policy is your next decision. Do you need a Mortgage policy for 10, 15, 20, or 30 years? Level Term insurance is usually purchased for income replacement. How many years do you need your income replaced? When you answer these questions then you are off and running. There may be a waiver of premium rider available with your term policy. This rider will pay your policy premium should you become disabled. Make sure that you are comparing your term policy with and without this rider.

Industrial directory is for industries rather than consumers

:
The distinguishing characteristic of an industrial directory is that it lists products, services and suppliers needed by industries, rather than by final consumers. These would be mainly such intermediate products as automation equipment, CNC machining, transformers, advertising novelties, engineering services, leak detectors and a large variety of others. These intermediate products are used in making consumer products, or major projects such as space and ocean going ships, public utilities, defense requirements and so on.

While a few consumer products or dual use products might be listed, the emphasis in the industrial directories is on industrial products and services needed by other industries.

The range of such products and services is huge and varied, and good industrial directories tend to be substantial repositories.

Sample Categories in an Industrial Directory

The list below, taken from a reputed industrial directory, illustrates the wide range of industrial products and industrial services.

• Adhesives & Sealants: Adhesives, Pressure Sensitive Tapes, Adhesive Dispensing Equipment,...


• Automation & Electronics: Automation Equipment, Printed Circuit Boards, Clean rooms,...


• Chemicals: Desiccants, Corrosion Resistant Coatings, Teflon Coatings,...


• Custom Manufacturing & Fabricating: Metal Fabrication, CNC Machining, Metal Stampings,...


• Electrical and Power Generation: Transformers, Batteries, Magnets,...


• Services: Advertising Novelties, Machinery Rebuilders, Pump Repair Services,...


• Engineering & Consulting: Engineering Services, Prototypes, Exporters, Importers,...


• Hardware: Fasteners, Gaskets, Bolts,...


• Instruments & Controls: Laboratory Equipment & Supplies, Flow Meters, Sensors,...


• Machinery, Tools & Supplies: Special & Custom Machinery, Bearings, Gears,...


• Materials Handling: Material Handling Equipment, Labels, Plastic Bags,...


• Metals & Metal Products: Aluminum, Stainless Steel, Wire Forms,...


• Plant & Facility Equipment: Electric Heaters, Nameplates, Noise Control,...


• Plastics & Rubber: Injection Molded Plastics, Extruded Plastics, Molded Rubber Goods,...


• Process Equipment: Heat Exchangers, Pressure Vessels, Mixers,...


• Pumps, Valves & Accessories: Ball Valves, Plastic Tubing, Pumps,...


• Other: Signs, Point Of Purchase Displays, Banners,...

(Source: Thomas Register)

Other industrial directories might adopt a different scheme of categorization. With the huge range of products and services, different ways of arranging them might meet the preference of different users using them with different orientations.

Global and Regional Directories

Global industrial directories list industrial products and suppliers from all over the world. Considering that countries have different resources and cost structures, such a register could help industries find the best products suited to their requirements, and also the best bargains. For example, some countries might be rich in certain minerals and metals, and these might give them an advantage to produce certain kinds of industrial supplies. Other countries might have low labor costs enabling them to make the same products made by developed countries at lower costs.

Regional industrial directories seek to promote local industries by listing only the suppliers located in particular regions. The major objectives in these cases is industrial promotion rather than helping buyers find the best bargains.

Conclusion

An industrial directory focuses on products and services needed by industries. The range of such industrial products is huge and varied. We looked at a sample of industrial products and services in this article.

Industrial products are typically intermediate products that help produce consumer products or products such as space ships, ocean-going ships, and such non-consumer final products.

There are some reputed industrial directories that list industrial products, services and suppliers from all over the world, and other directories that focus on industries in a particular region.

What a nice thing to say how to give daily feedback for sales performance improvement

Remember the first time you walked into your sales office? How did it FEEL to you? Was it buzzing, energetic and upbeat? Did you sense a spirit of positive competitiveness?

Or, did you notice that the air had a weight of negativity to it? Did you suspect a lack of joy or camaraderie? Maybe you recognized that the positive vibrations were simply missing.

That's the power daily feedback can have. If it's being done constructively, it can affect the very "energy" of a sales office.

Daily feedback and improvement is all about developing the right culture. And professional selling has its own common language and culture. We use terms like "hourly rate," "definition of insanity," "circle back around," "lay the obvious on the table," "soup to nuts" and "who's got the 'R'."

So, how do you give daily feedback?

Simple. You spend 5 minutes with a manager/leader.

FOR 5 MINUTES, you use strategies and tactics to evaluate your status. You promote the "right" feeling in the atmosphere. Using common language buzzwords, you talk about accountability to results. And when results are not there? You REFRAIN from finger pointing!

It's celebrating "wins" aloud, but coaching through all the bases that must be covered.

It's congratulating the close of a sale, but asking if the proper steps were taken at the point of sale.

And why do we ask this question? It's because the proper steps are essential. They leverage more revenue, more testimonial letters and more referrals. In short, they improve the entire sales process.

Management must understand the strategic use of the office door. KEEP IT OPEN!

Daily feedback focuses on Daily Routines. Daily Routines, properly performed, WILL achieve weekly goals.

And weekly goals, routinely achieved, WILL maintain monthly results. Focusing on what's wrong or how to lay blame just doesn't "cut it."

Cross country mountain biking 303

Cross Country Mountain Biking

Cross country mountain biking is cross country at

its finest. Where free riders and downhill bikers

use four wheel bikes and ski lifts to get them to

their destination, cross country bikers get to

the top of the mountain by the ride. Though free

riding is very popular, the life vein of the sport

has always been cross country biking.

Just as cross country riders are a different breed,

the bikes they ride are as well. The cross country

bike is completely different in many ways from other

types of mountain riding bikes. The premise for

cross country riders is speed. Everything about

their bikes revolve with the idea of making the

bikes faster and faster.

Bikes used in cross country mountain biking can

be fully rigid frame, hardtails, or even full

suspension frames. Through the years, the cross

over to full suspension has become very popular.

The weight difference between free ride bikes and

cross country bikes are considerable. You'll be

extremely hard pressed to find a bike that weighs

more than 24 pounds, and even that weight can be

heavy. Free ride bkes weigh close to 40 pounds,

which makes the difference in weight pretty close.

If you've never tried cross country mountain biking,

you'll probably find it to be a break from the

ordinary. Even though this type of biking involves

trails, it's normally the type of terrain that

beginners wouldn't want to ride. Involving hills

and rough terrain, cross country biking offers

quite the rush.

For mountain bikers everywhere, cross country is

the way to go. It offers you a new assortment of

bikes, new areas to bike, and a new twist to

mountain biking as you know it. If you've been

looking for a mountain biking rush, cross country

mountain biking is what you need to be experiencing.

(word count 303)

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Jp ppc and seo

To SEO or To PPC?

The online community is definitely a large market place that you cannot ignore, especially if you have an internet business. There are thousands if not millions of consumers that you can tap in the internet.

At the same time, the internet also poses a quite different challenge. The easy access that internet provides also gives you as much competition as you can imagine. It is too crowded and congested.

Having a website is not enough to make your business running and able to compete. You must take other alternatives to give way for the online community to access your website at any rate or chance possible.

You have to expose your website. Make it known. It has to be visible. It has to be frequently targeted by consumers and surfers.

Invest in marketing your internet site. There are basically two options available to you, the SEO and PPC. These two are probably the most desirable alternatives you can get for your internet business as strategy for search engine marketing.

1. SEO

SEO stands for Search Engine Optimization. Some researches indicate that 60% - 70% of internet surfers and users actually resort to using the Google search engine to find and locate web sites and pages, for any topic they desire. SEO is the process taken to make sure that the internet uses will find your website when ranked among the top results of a search. This way you can make sure that you will be visible and can clearly stand out from the rest.

To get a search engine optimization, you will have to build on your own internet site frequently hit internet links to web site pages. The process will involve IBLN or Independent Back-Linking Network, wherein hundreds or even thousands of pages will be utilized to promote a particular website of a client.

In SEO, there is no need for you to pay for the clicks although it will require you to spend time doing research to get a favorable combination of ads and target audience. The SEO process is a long term one. It requires months, 6 months at the least, before the proper outcome is fully achieved, but once the goal is accomplished, you will definitely get a steady source of profit.

2. PPC

PPC means Pay Per Click. It gives way advertising on a search engine. These are sponsored listings that you see whenever you make a search. There will be a charge whenever a visitor or web surfer clicks on any of your ads. There will first be a bidding process. The highest bidder for the price per click will definitely get the chance to be first listed in the search engine.

With this kind of advertising, you can still basically control your campaign as you get to create your own ad. You will also manage the target audience and still stay within the bounds of your budget. Most of the providers of PPC advertising will allow you to specify the target market, either by topic, industry or geographical location. You can also very well check if your ad gets to be shown at all and if it is competitive with the rest.

There are some guaranteed benefits when you get to maximize the PPC strategy.

? PPC lets you advertise to the whole of the online community. It is also relatively easy to set up.

? At first glance, PPC advertising may seem very expensive. Could it possibly happen that someone out there will go on clicking on your ad? This will definitely give you a large bill without the expected profit on your part. If this provides a lot of worries, be rest assured that there is a protection for you. Networks are able to recognize fraudulent clicks.

? You can also set a budget for a certain period. The moment your budget has been used up by the target number of clicks, your ads will no longer be displayed until the next period you want it again displayed.

? You will also be able to adjust well to changes in market demands and trends.

In deciding which of the two strategies will work right for you, think of your goals and of your resources. They definitely offer benefits and advantages that will work for your good. The better way to approach this two is to evaluate according to your short term and long term plans. Take the PPC course for your short term goals and choose SEO if you have long term ones.

There world is out there for you now. Just make sure you do what will work best for your entrepreneurial endeavors and visions. The secret to success lies in your hands. Just study your options well and you’ll get exactly what you want.

10 reasons why the evolving information world has changed the best ways to invest money

Defined within the realm of the statistical Bell Curve, the long tail would reside in the skinny tail at the borders. The long tail, in regards to goods and services, refers to the evolution away from mainstream offerings towards more niche products and services. With the internet drastically reducing the costs of establishing distribution channels, the ability of entrepreneurs to focus more on the longtail sector to fit their customized needs is gaining increasing appeal.

However, almost no one speaks of the longtail of investing. To me, longtail investment strategies are the strategies that do not heavily rely on fundamental or technical analysis, but exploit other strongly predictive factors to produce not only superior returns to traditional investment strategies but also investment opportunities with far better risk-reward paradigms than those produced by traditional investment strategies. Here are 10 reasons why the longtail of investing is the only way to build wealth.

(1)You will never achieve the level of wealth you desire by handing your money over to a large investment firm.

The vast majority of private investors hand their money to large institutions and allow them to invest their money for them. If this were truly the best way to achieve financial freedom, then almost every one you know would be ecstatic with their financial consultant. Think of how many people you know that absolutely rave about their financial consultant.

The fact that 90% of people you know do not rave about their financial consultant should tell you that niche investment strategies, or longtail investment strategies, are far superior. The ones that are happy with the large investment houses already were independently wealthy before they sought out their help. Think about how many people you know that have ever told you, “I wasn’t wealthy before, but thanks to my investment firm, I am wealthy beyond my dreams now.”

(2)Thanks to evolving information technology, there are many better and more highly predictive means of making investment decisions than just utilizing fundamental and technical analysis.

Though people have been really slow to grasp this, once they do, longtail investment strategies, like those invented by SmartKnowledgeU™, will boom. There is no doubt that the level of top-notch financial, political and corporate information available to the average investor has increased by leaps and bounds within the past decade.

There is a virtual treasure map that was created by the flattening of the world over the past decade to selecting stocks that are poised to explode. However, because the largest, most powerful investment institutions in the world have kept the masses of investors fixated on traditional investment techniques such as value and fundamental analysis, the longtail of investment strategies is currently much further behind in its developmental phases than it should be.

The best analogy I can use when explaining why people have ignored the long tail of investment strategies is to compare it to the incredibly slow adoption of Internet Protocol Version 6 (Ipv6) by the United States. When China started preparing its country for Ipv6 a decade ago, the benefits in increased security and its added value properties in e-commerce were evident even back then. However, people in the U. S. were comfortable with the lesser Ipv4 so did not take any action until the progress and superior internet and business capabilities of China, Korea, Taiwan, and Hong Kong finally embarrassed the U. S. enough to move forward and catch up with Asia.

I see the same thing happening in the educational realm of investing. Everyone is comfortable with the traditional investment strategies that have been propagated for the last several decades so nobody sees a need to move forward even though much better strategies exist today. Just as with Ipv6, the world will eventually realize that the safest and best means of investing money reside in the longtail, and they will eventually adopt these strategies.

(3)With so much investor skepticism of corporate integrity sparked by past accounting scandals at Enron, WorldCom, General Motors and the like, and the current, ongoing backdating option scandals, investors will increasingly seek alternate means of making investment decisions other than crunching numbers that they feel are untrustworthy.

Furthermore, technical analysis often yields false positives as well. A chart will show indexes that appear bullish having just broken through a ceiling of resistance only to have the index turn back downward for a prolonged period of time, or a chart will appear bearish having just broken through a floor of resistance only to turn around and begin another bullish ascent.

In fact, you have seen some of these turnaround trends with some of the technical posts that I've placed on my blog in previous months. In fact, that is why I always state that I never rely solely on technical indicators to make my decisions. I rely only on technical indicators to confirm or dispel what my long tail investment strategies tell me. Of the three types of analysis, fundamental, technical and long tail, long tail investment strategies yield by far the least amount of false negatives and false positives. That's why I rely on them so heavily.

This sentiment will lead to an evolution of longtail investment strategies, and the discovery of more efficient and better predictive means of making investment decisions than even those that already exist. Even current longtail investment strategies, such as those utilized at SmartKnowledgeU™ are constantly evolving as access to reliable information increases every year. Making decisions as if you were a fly on the wall of boardrooms is no longer a fantasy. It is possible, thanks to the evolution of the information landscape.

(4)With the growth of blogs and pure information sites on the web, the stranglehold of global investment myths, including the Modern Portfolio Theory of diversification, will soon be exposed for what they are – cleverly disguised sales strategies posing as investment strategies.

Once people realize this, longtail investment strategies will gain wider acceptance, much like acupuncture and herbal medicine eventually gained credibility as healing regimens in the schools of Western medicine.

The new information age has stripped many accepted investment strategies such as diversification of much utility when attempting to build wealth. Furthermore, it has also rendered such beliefs as an inability to time the market and the efficient market model as mere myths. This has been proven time and time again by investment sites such as SmartKnowledgeU™ that have called for steep market corrections in certain global markets and in asset classes like gold with consistent accuracy.

(5)Wider acceptance of alternative, longtail investment strategies that far outperform those utilized by global investment firms will happen as word of successes via these strategies spread throughout the world via the internet.

The internet distribution channel can and will be used to change the mindset of investors.

(6)The Do-It-Yourselfers are Growing – With the success of books such as Stephen Covey’s “The Eight Habit” that emphasize personal accountability to achieve excellence versus handing control over to someone else, cultural shifts will happen whereby people will seek to seize control over their own financial future versus just handing their money to a firm to manage.

As this cultural shift happens, multitudes of people will realize that they are shorting their returns significantly every single year by handing their money to global investment houses.

(7)The flattening of the world and accessibility to previously inaccessible investment information will undoubtedly yield an increasing amount of investment strategies that reside in the longtail.

People will realize the foolishness of believing in the one investment strategy thrust upon them by global investment houses for the past half of century as “the only viable and safe way to invest.” If the younger generation takes an interest in investing, adding their creativity to the investment arena will result in explosive growth in the longtail of investment strategies. However, since the odds of this occurrence are quite low, a more gradual shift towards niche investment strategies is much more likely.

(8)The explosion of social networking sites like YouTube, MySpace, Friendster, Squidoo, Digg, and so forth, will amplify the viral marketing of longtail investment concepts.

Again, ignorance of longtail investment strategies causes fear and hesitancy to use them. Viral marketing of longtail investment concepts will increase millions of investors’ comfort level with these different and unique concepts.

(9)People are ultimately interested in returns, no matter how much global investment firms try to separate themselves from their competitors with smoke and mirror service claims.

All the gratitude for luxury box suites at Los Angeles Lakers games, suites at the Four Seasons Hotel, conferences at world-class golf courses and resorts will quickly wither once people realize how much more money they are earning with longtail investment strategies.

(10)Again, because people will readily abandon all the perks they get as a preferred client at a large investment firm for far superior returns on their portfolios, longtail investing will eventually reach a critical mass.

Eventually the longtail of investing will migrate towards the center and become the mainstream methods of investing, though this may take several decades to occur.

3 things to watch out for when getting a home equity loan online

The internet can be a valuable resource for researching the ins and outs of getting a home equity loan. It can also be a great place to find a reputable mortgage broker, as long as you are careful not to get caught in an online home equity loan scam.

Watch out for subprime lending.

Subprime lending is when a lender offers to give you a lone for an extremely high interest rate and tacks on excessive fees. Usually these loans are given to high risk individuals who are so desperate for a loan that they don’t take the time to shop around for a company that will work with them despite a bad credit rating.

Watch out for equity stripping.

Equity stripping is when a loan is based solely on the value of your home, and doesn’t take into consideration your ability to repay the loan. The usual result of these loans, is the borrower can’t repay it and the lender ends up acquiring the home and all the equity in it.

Watch out for predatory lenders.

Predatory lenders thrive on setting up loan situations in which the borrower is destined to default, consequently losing his home. Some of the signs that you might be dealing with a predatory lender include a broker that requires you to put false information on the loan application, apply for a larger loan than you need, or sign blank loan papers, saying they will be filled in later. You also want to avoid lenders that promise you one set of terms when you first apply and then change the terms when it comes time to sign or refuse to give you copies of the forms once you have signed. Predatory lenders often misrepresent the type of credit you are being given and fail to provide the required loan disclosures.

There are a lot of reasons to apply for a home equity loan online. The process is fast, easy, and convenient, as long as you take care to avoid the pitfalls of dealing with unscrupulous brokers.

A guide to offshore banking

If you are someone whose career and place of residence changes a lot, then you might want to keep your banking constant. One way to do this is by using offshore banking, which allows you to keep your money in one country, yet have access to it wherever you go. If you want to know more about offshore banking then this guide has some information that might be useful

Why get offshore banking?

Getting offshore banking can be useful if you are travelling around a lot and aren't really located in one specific place. If you use an account from one country then you will find it harder to get your money out abroad, and might have to pay fees each time you want to carry a transfer or withdrawal. You might not even be able to access your account in some countries. Offshore banking can help you to have access to your accounts like you were in your home country wherever you are in the world.

Tax exemption

Another reason why offshore banking is popular is for tax exemption. If you have a large sum of money that you don't want to pay tax on, then moving it to an offshore account might be useful. Of course, you need to make sure that you abide by the tax laws of your country, but there are legal ways to save yourself money through offshore banking

Benefits of offshore banking

Apart from the tax benefits, having your money offshore means that you have equal access to all of the world's markets, and this makes it easier to invest in a diverse range of products and services.

Offshore banking features

You can use offshore banking simply as a savings account, or you can use it as your main means of banking. You can have a current account with a debit card, and even make investments and buy insurance and loans using your offshore bank. Most of the products and services that your standard bank can offer are available offshore, with the added bonus of being available around the world.

Risks

Offshore banking does use the law to its fullest, and so there are a number of risks associated with it. Firstly, if you don't know what you are getting into then you could end up in legal trouble. Before signing up to offshore banking you need to consult a lawyer. Also, you need to deposit a large amount of money in order to get offshore banking, and that money could be at risk if anything happens in the country you opt for. You know that your money in your own country is insured, but if something happens offshore then you might be in trouble. Offshore banking does have some benefits, but make sure that you know the details of the system before proceeding. If you do this then offshore banking can help you save money and access your finances wherever you are in the world.

Frats are not all like ôanimal houseö

Frats are not all like “Animal House”

When you think of a college fraternity, the traditional image of a hard drinking, party central place that encourages boys to skip class, seduce women and generally behave like animals seems to come to mind. Or we think of spectacular cases of fraternity hazings or movies that emphasize wild living at college fraternities like “Animal House”. This is the work of movies and the media who love to emphasize the light hearted side of college life.

Similarly, sororities are depicted as places where rich snobby girls go to discuss fashion, look down on each other and other sororities and develop elitist attitudes. But none of these pictures are at all representative of the good that college fraternal organizations do in helping young college kids grow socially and develop a sense of social responsibility.

In any college town, the work fraternities and sororities do to make a positive difference for the college and for the community that hosts them goes unnoticed and unrewarded with the same kind of media attention that the public gives when the excesses of a few fraternities makes the news. Fraternities are actually not founded with the intent of giving students the chance to live like animals and commit mayhem. Fraternity student leadership groups all around the country struggle with this misperception every year.

The truth is fraternities work closely with the administration of the colleges they are affiliated with to provide service to the student community and to foster a safe and positive living environment that will mold their members into forces for good in society. The fact that the adult equivalent of the fraternal system are the adult fraternal organizations of the Lions Clubs, the Elks and the Shrine attest to the success fraternities have of instilling values of community service using the power of fraternal bonding. These adult fraternal organizations do immeasurable good for the communities in which they reside and they are just continuing on with the values they learned in their college fraternities.

There are numerous examples of outstanding fraternities around the country that have distinguished themselves in community service. The fraternity, Kappa Alpha was recognized when its Beta Tau chapter at the University of Michigan racked up an astounding 7,200 service hours by its members.

Naturally fraternities will do well at making their frat houses look good. Any drive around a modern campus will show some fine landscaping and the good care frats do at keeping their houses in good shape and attractive. Fraternities are a proud tradition in university life that date back for centuries. That pride is instilled in each new member each fall and much of that pride comes from the outstanding service the fraternity offers to the community.

During the terrible Hurricane Katrina devastation, fraternities all around the country rose to the occasion to help out students from New Orleans colleges who were displaced. But they went a lot further than that as bus after bus of fraternity volunteers brought a new flood to New Orleans, a flood of volunteers to roll up their sleeves and help people who were devastated by the storm.

The varieties of community service projects fraternity members dedicate themselves to are as diverse as the fraternities themselves. They vary from fun loving fund raisers on game day which raise money for deserving causes to reading to, mentoring or tutoring underprivileged kids around town. These are the good deeds college students perform every day that don’t get the kind of press that hazings and spring break excesses get. But they have a much longer lasting impact and they genuinely show that the heart of the fraternity system is grounded in community service.

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Creative real estate investment

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An example of creative real estate investment? When I was young, I had a job that paid $3.40 an hour, and I somehow saved enough to buy my first piece of real estate - 2 acres near where I lived. It cost $3,500.

I spent a few hours removing brush, outlined a driveway with logs, and hand painted a sign. Two weeks after I bought it I sold the land for $4,750, with $250 down, $100 per month, at 11% interest. With the capital gain, my annual return on investment was over 20%. This was my first real estate investment.

Creative Real Estate Investment - The Key

I bought the land cheap, because the seller needed fast cash. I solved his problem. I sold the land higher than the market value because the buyer needed easy terms. Second problem solved. Solving problems is the key to creative real estate investment.

Cell phone companies, radio stations, police departments and others need hill tops for their towers. The problem is that they can't tie up their capital buying them. One creative investor found a way to solve their problem.

He got six month options on hill top properties for a few hundred dollars. Then, when he found those who needed them, he would get a long term lease signed. They built the tower themselves, of course. With a lease in hand, it was easy to get financing to exercise the option and buy the properties. He invested a few hundred dollars to create years of income.

Trees are needed by lumber mills. A friend of mine solved this problem by letting a company cut half the trees on his small property. They paid $4,500, and I couldn't see the difference when they were done. The property was worth as much the day after the cut as the day before. My friend lived there, but a creative investor could buy property like his, sell half the trees, maybe clay or gravel too, and then re-sell the land.

To solve problems, you have to figure out what they are. Do people need easy terms? Cleared lots? Lumber? Better access to a piece of property? Smaller pieces of land? Condos instead of apartments? The list could go on. Just remember that solving problems is the key to creative real estate investment.

Highway robbery

Beware; we have modern-day “Dick Turpins’” at work on our roads. Not quite “Stand and deliver” at gun point, but there’s a striking similarity.

Innocent drivers are being targeted in this frightening new crime which appears to spreading across the country. Effectively, we have an ambush situation.

This is what can happen:

· You may be following a vehicle, generally an ageing car or van, onto a roundabout or slip road. This vehicle, which often has no brake lights, brakes hard and you cannot avoid slamming into it.

· There may be two cars involved. One is in front of you and another one may veer into its path, the car in front of you brakes hard and you crash into it.

These “set up” crashes commonly occur at really busy roundabouts or motorway slip roads. The instigators of these incidents are skilled at pinning the blame on the innocent motorist. These modern day highwaymen work in teams, owning and managing repair garages and car hire companies. These firms present falsely inflated invoices for work carried out, hire of a car whilst the car is off the road and so on. They then make a bogus claim on the blameless motorist’s insurers, often inflating it for maximum pay-out and claiming for compensation for so-called injuries to the driver and passengers. Often the vehicle which they use is an old banger, which will probably contain the maximum number of passengers, all claiming to have been injured in some way and seeking compensation for this and probably loss of earning too. In this way a minor accident claim can escalate into a claim of Ј20,000 or more.

Insurers are quite rightly extremely concerned about the scale of these so called “accidents” and believe there could be as many as 10,000 of them occurring per year. A single insurance company may not easily pick up on the organised fraud but working with other insurers will give benefits. With this in mind the Association of British Insurers have created an Insurance Fraud Bureau. They will monitor details of suspect claims and scrutinize millions of them to find patterns or links. It is intended that the bureau will liaise with police and hopefully will take civil prosecutions against these fraudsters to recover money which has already been paid out.

There was a case of insurers linking 400 “staged accidents” to one particular gang, involving other crimes in addition to the insurance fraud, where the police would only get involved if the investigation was funded by the insurers. Insurance fraud may be low on the priorities list as far as the police are concerned but in view of the danger to drivers as a result of these unpleasant incidents their reluctance to get involved will have to change.

A Home Office fraud review is due out in the summer of 2006 and hopefully the Association of British Insurers concerns will be addressed in this.

In the meantime, some advice from Norwich Union’s head of fraud, Chris Hill, who says “Keep your distance from the car in front at roundabouts and slip roads and cut your speed. Keep an eye on the vehicle in front. The occupants may turn to look at you or may even make a gesture just before the trap is sprung.”

If a crash does happen, remember to get as much information as you can. Note how many occupants were in the other car, their sex and as much detail as you can about how they were dressed. Make a note of these details and make sure your insurer is aware of them.

These gangs are putting innocent drivers and their passengers at risk. It is vitally important that insurers and drivers work together in a concerted effort to stop this crime.

How to get a personal loan

You have need of some money but are not sure the best way to go to get it. With so many different options, you know that there must be a good way to do it, but you aren't sure which one is best. Here are some of the options that are available to you to help you get the right personal loan.

Payday Loan

Probably the fastest way to get money is to get a payday loan. These are very easy to apply for and can get the money put into your checking account within 24 hours or less. Some of them are very fast, if you need the money in a real hurry. These generally will make available up to $1,000, and some may even go higher than that. Typically, though, the interest is high - around 30%, and you need to pay it back within two weeks. There are options to double the time period, but you also will double the interest.

Secured Loan

This type of personal loan will provide you with the largest kind you can get. It can be used for any purpose that you want. Since it is secured, it means that you will need to offer some kind of collateral against the loan. This means either a car or a house, which are the most common. Putting security on a personal loan will also enable you, if your credit is good, to be able to get the best loan possible, as well as good terms for repayment.

For the larger secured loan, in most cases, you are talking about getting a home equity loan. This is based on the equity on your home and will give you the best rates all around. If you are looking for a way to consolidate your debts, then this is the way you want to go. It will provide you with the best interest rates and will enable you to pay off your bills.

Unsecured Loans

There are a number of types of unsecured loans that are available. These range from larger personal loans for many thousands of dollars, to loans for business. A start-up business loan can supply your new business with about $75,000. A regular unsecured business loan could get you up to $250,000, and let you have five years to pay it back.

When you go to start looking around for your personal loan, you have several ways to go. Above all, though, be sure to check around and get several offers for loans online before you sign any applications. There is a wide assortment of interest and penalties or fees that you may need to understand first. If you are getting a larger loan be sure that there are not any early payoff penalties. This is really unnecessary and you could save money on interest if you do pay it off early. There still may be, however, a minimum time that must pass before it can be paid off.

Payday loan company compare payday loan companies to get the lowest rate

Payday loan companies vary in the rates they charge customers. You can find low rates by comparing the offers of payday loan companies. The annual percentage rate (APR) is an easy tool to find who has the best deal. You also want to take a look at payment plans to make sure you don’t get taken in by late fees.

Look For The APR

The APR is the cost of the cash advance for a year. Fortunately, the majority of people pay off their payday loan is less than 30 days so they don’t pay such high fees. But by comparing the APR of several lenders, you can find the best deal.

Most often the APR will be listed in the ‘FAQ’ or ‘How It Works’ section of an online payday company. If you can’t find it, simply email the company with a request. By taking a few minutes to compare rates, you can save a few dollars.

Finance Fees

The actual cost of your loan will on average be about $15 for every $100 you borrow. A payday loan company charges the same rate to everyone since there are no credit checks. In the company’s eyes, everyone has the same credit background. The only variable is your income level, which will determine in part how much you can borrow.

Some online payday companies also offer a reduced finance fee for first time borrowers. You will want to make sure they have a competitive rate to begin with, but it is certainly worth checking out.

Payment Plans

One way payday loan companies can get you is by delaying payments. They might just debit the finance charge or a small part of your principal from your checking account. While the small charge may seem nice, you are actually adding on more financing fees for the time delay.

When you apply for a cash advance, make sure you opt for the full payment on the day you get paid. Some lenders will automatically default to this plan; others will require you to call or fax your request to the company. You can always change your mind later on.

Get out of debt plan a six tip debt elimination option

No one gets pleasure from being in debt, but unfortunately most individuals stumble upon debt at one time or another. There are several steps you can follow to make sure that your debt doesn’t get out of control. By following these six suggestions, you'll be following a get out of debt plan, and you’ll be closer to your goal of debt free living.

1. Calculate Your Debts. Verify that your bills are accurate. By examining your statements carefully each month, you will notice fees that are wrong. You will then be able to dispute the charges and avoid paying for inaccuracies.

2. Create a Plan - a Eliminate Debt Plan. Debt doesn’t vanish on its own. Determine how much you owe. Make a decision about how rapidly you want to eliminate your debt, and take realistic and constructive steps on the road to accomplishing your goal.

3. Make A Personal Budget. You have to budget appropriately to make your plan happen. Your family budget must specify the precise amount of money committed to debt repayment, and that payment must be your main concern each month, until the debt is gone. You can not use every cent you have on your debt reduction solution. You will need money for ongoing living expenses. Part of the financial plan process will be making sure that you have adequate earnings to pay off your debt as well as take care of your living expenses.

4. Reduce Your Spending. If there doesn’t appear to be room in your budget for your debt elimination plan and your expenses, peek at your spending routines. The majority of us use money on things that we desire, but don’t actually need. An excellent way to evaluate your spending is to keep every receipt you get for a week. Your daily gourmet coffee and muffin routine might not seem like a good idea when you understand it costs $200 every month.

5. Maximize your Savings. It is an incredible feeling of confidence to have money in the bank. But if you have debt on high interest credit cards and you have money sitting in a low-interest savings account, it may be your greatest advantage to take the money to pay down the credit card bill. Then you can pay yourself back each month by putting money that would have gone toward the credit card bill into the bank. The money you save on interest will be an amazing aid toward your goal of eliminating debt.

6. Raise Your Income. One of the best ways to decreasing your debt is to earn additional income that is devoted to paying off the debt. Many people obtain second (or even third) jobs when working to remove eliminate debt. There are abundant opportunities for part-time work and possibly home based businesses that can assist you in earning added income.

By following these suggestions for debt-free living, you will be creating positive strides toward taking control of your money. You will be on your way to living debt free and living with a little less pressure.

Credit card debt pay it off now

Whether you’ve used your credit cards to purchase gas, food, clothing, car repairs or luxury items, it’s crucial to pay your account balances off as quickly as possible to avoid paying an outrageous amount of interest.

While its true that the average American owes $9,000 in credit card debt, it’s also true that many people owe a great deal more than this. Unfortunately, if you find yourself in a situation where your credit card debt is “through the roof” and your interest rates are hovering above 20%, it’s not likely that you can realistically pay it off in less than 40 years if you’re just making the minimum monthly payments.

For instance, if the amount of credit card debt you owe is $50,000, at an average interest rate of 24.99%, it will take you exactly 41 years and two months to completely eliminate your credit card debt. And it gets worse – the total you will end up paying at the end of 41 years is a staggering $102,129, with more than half of this amount going toward interest.

Even putting yourself on a five-year plan will end up costing you. You see, if you can afford to pay $1,437.34 each month, you’ll end up paying a total of $86,240, with $36,240 of that going toward interest.

To avoid this trap it’s important to review other options to eliminate your debt. If you have sufficient equity in your home you may qualify for a low-interest home equity loan. If you’re struggling to pay your bills each month, you might want to expand your options to consider consumer credit counseling, debt settlement or even bankruptcy.

No matter what your current situation, if you owe a significant amount of money on high interest credit cards it’s highly recommended that you choose an alternative to continually paying the minimum required payments, as this path will only lead you to several more years of high debt and payments.

Be self confident about your financial prospects

Introduction:

Unemployed status is not a curse but it just a part of life. If today you have no job than don’t worry may be in coming few days you’ll get a good job on the basis of your qualification and experience. But the main problem is this if you wedged into any emergency during your jobless day. Then from where you’ll arrange quick money without delay. Every lender is scared about their payback of loan amount that’s why they don’t provide loans to unemployed people. But now this phenomena is changing lots of financial institution and lenders offer ‘Loans for Unemployed’. So the jobless people can also deal with their emergency and get freedom from unpredictable expenses.

Features:

Financial need can occur anytime, anywhere without paying heed to your unemployed status. Unemployed doesn’t mean that they have no requirements of money. Now the loan scenario is changing, whoever requires money can apply for loans without any obligations. Suppose if you are suffering from unemployed status and sudden an emergency comes and you require urgent money? This will be the most critical situation of life. But with ‘Loans for unemployed’ you can solve all your financial trouble. If you are tenants and you have no property to keep as security and require quick cash then you must apply for ‘Unemployed tenant loans’ through which you can avail fast cash without submitting any collateral. ‘Cash loans for unemployed’ is especially meant for those borrowers who require instant cash without completing any formalities. This loan process is free from all the time-consuming factors and which makes the loan process is more difficult to deal.

Under this loan a borrower can acquire amount ranging Ј 1000 to Ј25,000 with the normal repayment duration of 1 to 10 years. But if this repayment term not suits you then you can contact your lender and set your own repayment term according to your convenience. But be sure about your repayment date, don’t forget.

Types of loans:

Loans for unemployed can be acquired in two ways:

Secured Loans: Small amount of money, usually secured against the home or anything of the borrower. Its rate of interest is normal due to security.

Unsecured Loans: You can acquire loans without submission of any collateral against loan. Its rate of interest is high due to lack of security. But some lenders offer reasonable rate of interest.

Applying Process:

An easy way to acquire these loans is through online services providers that are hassle free because you don't have to follow pages of rules and regulations to follow. You may found lots of online service provider which offer free online application. Just fill the form and submit it. Their representatives work on your loan application and verify your providing information. If the information is precise than the loan amount is credited into your within 24 hours without any delay.

How to compare low cost car insurance

Car insurance in America has become even more expensive. All most most of America drives so we want to find the best car insurance we can out there.

How to find the best rates.

Insurance rates can differ from hundreds of dollars from company to company. Before or you can settle on a rate that’s best for you it’s vital to shop around for insurance quotes. As you have probably already heard plenty of times before the best way to do this is through the internet.

Through several popular websites online you can enter your car and driving information on one form and receive several quotes from several different companies instantly. Doing this way is faster and you will definitely get better results.

Once you have gotten several quotes from the different companies your probably ready to choose the insurance with the cheapest rate. Be careful you never want to fall into the trap. The cheaper doesn’t always mean the best. You have to evaluate each company by considering what they offer that can benefit you and that you can afford.

How to evaluate companies:

Check the ratings on all the companies on charts Standard& Poor. Consider their payment options. Are you able to pay online, or by telephone? Take into account their availability. Is it easy to get in contact with them? Is there an agent or anyone you can talk to anytime you need advice or questions?

After you have done all of this review your policy one more time to make sure it has everyday you need before you sign the dotted line. Once you have signed the line you have successfully found the best affordable car insurance rate in Colorado.

One thing you should keep in mind when hunting for the right car insurance is to by no means ever sacrifice quality and service for a cheap price. There are plenty of insurance companies out there that will offer you a low rate but when you really need their help they won’t be there for you. So in actuality your wasting money that could otherwise be saved for something worthy.

That’s when comparing low cost car insurance comes into play. You can use an Comparison website for car insurance quotes.

There are plenty of reliable ones too all over the internet. A comparison shopping website for car insurance quotes will compare the different quotes you’ve receive. It will evaluate their insurance products and offers and decide what is policy is best for you. Online comparison shopping websites are teamed up with some of the best insurance companies, so you will definitely receive all the help an service you need.

In order to get started, all you have to do is choose one or a couple of these websites and enter your information in the simple form provided. Instantly you will receive different quotes from several different companies. If you have found one that matches your needs you can select that coverage and even buy it online. This is one of the fastest and easiest ways to purchase car insurance on your car.

Online comparisons sites are all over the web. Not only are they easy to find but their reliable. You can trust putting your information on these websites because the information you provide is processed through an secured connection.

Comparison websites are so informative, you’ll get all the information you need in not time. Go ahead and visit one of these websites and you will definitely find the right insurance policy for you in Colorado.

Scientific wealth building secrets 5 inertia

This is a series of articles about studying general scientific ideas to create a wealth building system that works according to the laws of the Universe. These concepts come from observing our environment. Scientists have discovered that the laws of nature follow certain patterns. Some physical laws seem to be present everywhere, from the tiny atoms to the enormous stars.

Everything on the physical realm tends to be influenced by these laws, therefore they can be applied to your businesses too as you will see in just a few minutes. The whole series contain the following articles . . .

1. Entropy

2. Life

3. Multiplication

4. Synergism

5. Inertia

6. Gravity

7. Diversification

On this article I will share information with you about inertia. You can apply this scientific principle to your business. In simple words inertia is the tendency of bodies at rest to remain at rest, and bodies in motion to remain in motion unless acted upon by an external force.

A spinning wheel for example, would keep moving indefinitely if it wouldn’t face opposition by outside forces. Friction is a very common force that usually act upon moving objects. All machines will encounter friction of some sort. This will decrease the speed of the object over time.

To increase the speed of an object you will have to increase the force applied to that object, which will require more energy. For example, to move a body from 0 miles/hour to 50 miles/hour some positive acceleration will have to occur.

If the force applied to the body is bigger than the friction it experiences, then the body will keep moving. If the force applied is smaller than the friction it experiences, then it will decelerate and eventually stop.

If you want to keep increasing the speed of a body indefinitely you will need to exponentially increase the amount of energy used to move it. The reason is that mass increases with speed. The faster a body moves, the heavier it becomes and the more energy it requires to keep accelerating (increasing its speed).

That’s why you can’t travel at the speed of light. It would take infinite energy for a massive object to travel at the speed of light. Even very light particles can travel only close to c when accelerated in nuclear reactors, but not at c.

As you can see it takes a lot of energy to accelerate an object from a rest state to very high speed. You will need more and more energy due to the fact described above. Furthermore, some energy will be lost due to entropy.

Then once you have an object moving at a desired speed, you will have to keep adding energy to overcome friction, but you won’t need to exponentially increase the amount of energy used to move it around unless you want to further accelerate it.

This is common sense. It takes much more energy and effort to move an object from a resting state to fast moving speed, than to keep its speed once it is already moving. For example, if a body is moving at 50 miles/ hour it will tend to keep moving due to inertia.

Friction and other external forces can act upon the body, decelerate it and eventually stop it. Then if you only want to keep the body moving at 50 miles/hour, you will need to add energy just to overcome friction and other external forces. It usually takes less energy to do this than to accelerate the body from 0 to 50 miles/hour.

This is one of the reasons why cars spend more gasoline within a city than in a highway. Cars accelerate and decelerate many times within a city, while in a highway they keep an average constant speed.

Now, how can we apply this scientific concept to the business world? We can do this in at least three different ways. Let’s start with motion.

We humans are supposed to be in motion. If you don’t own a business, don’t work for yourself or you are not financially free, then the tendency will be to stay like that. It will take considerable energy and efforts for you to establish your own businesses. The more money you want to make and the more successful you want to become, the more energy (will power, resources, skills, time invested, etc) you will need to realize your project.

You will experience some “friction” in the business world. This includes but it is not limited to competition, risks, uncertainty, etc. Many things will slow you down and you will need to add more and more energy to accelerate your profits.

So, to go from $0/month on your own to $1,000/month by yourself (from your business) requires substantial amount of energy invested on it to make it possible. The hardest part is at the beginning, to break the ice, to start trying, to be in motion.

That’s because if you have been “resting” all your life (meaning you have never owned a profitable business) you don’t know any other way of doing things. You may have a job. That’s what most people have and do for a living. On the other hand, if you have never being self employed, you may not know that for most successful businesses the hardest effort is at the beginning.

Once the project is “moving” (producing the desired results) you will need to keep adding energy just to overcome “friction” and “external forces”, but the benefits justify the troubles. This is specially true with certain businesses which require less effort and produce better results than most others.

The phenomenon is comparable to a space shuttle. Most of the energy applied to the project is used to lift the space shuttle off the ground and make it scape the Earth’s gravitational field. Once in out space, it requires less energy. It can be moved at desired speeds relatively easy, because it encounters less friction and less external forces.

The ignition process is what consumes a lot of energy. In business this is translated as will power. It means to keep trying even when you see no result at all. To not give up too soon. To change the method as many times as you have to, but to persevere on the goal.

Will power is associated with faith. If you don’t see any immediate result, but you believe it can be done and you keep trying and pushing, then you will be acting upon faith, specially if you have never done it before. That’s because you don’t know if you will make it, you are just believing.

Then the point is to be in motion. Change from a resting state to a moving one. Start accelerating. Start moving toward your goal. You will know later how much energy you will need to apply to your project to be able to reach your goal. But if you don’t move, you won’t get there. It is as the saying goes: “A one thousand steps journey starts with a first step.”

You can change the method many times, the important thing is to keep your goal in sight. For example, your goal may be to make a full time income working part time on the Internet. The method you are using could be affiliate marketing. If you try that for a reasonable amount of time and it doesn’t work for you, then you could modify the method or change it, but still keep your goal in sight.

You can try selling e-books, selling on online auctions, trading, etc. In fact you can try many things. Just persevere on the goal. To do this, you first need to define your goal. Think about it. Write it on paper. Put it somewhere you can see it every day.

Establish a long term goal and then set smaller short term goals that help you achieve the big one over time. “Roma wasn’t built in one day.” It took a lot of time to build that city/empire. You didn’t learn to walk in one day. Everything worthy in life takes time and effort.

Now, notice this. To go from $0/month to $1,000/month (from your business) takes some effort. To go from $1,000/month to $10,000/month takes even more effort. Usually whenever you try to accelerate your profits, you will need to add more and more energy.

You will know how much effort it takes once you have achieve it. The price to be paid won’t be the same for everybody, because some people will have the skills and resources required when they start, while others won’t.

Most likely those who start with an edge or advantage do so because they already paid the price in the past. They may have an education, experience or knowledge that they worked to acquire some time in the past. On the other hand, other people will have to learn everything from scratch and the experience they get now will be useful for future ventures, etc.

A method you can use to increase your profits while keeping the efforts relatively low is by using a lot of leverage. Also, you can set up multiple streams of passive income. These are two concepts that I explain better in my other articles.

Now, let’s talk about start ups. Many people become rich with a start up, but many of those people also work twice as hard for a few years than with a formal job. Some of them retire after they make a few millions, while others keep working to get wealthier and wealthier.

In my opinion, some start ups do not require so much work. It depends on your goal and the business that you choose. If your goal is to become rich, the efforts required may be higher. If your goal is to be financially free, the efforts required may be lower. If you are standing in $0/month ground and you want to move into $1,000,000/year you may get stuck.

Set realistic goals. You can do anything that you desire to accomplish, but one step at a time is the most reliable approach. When you move from $0/month to $1,000/month - and/or - $1,000/month to $10,000/month you will know how much energy you will need to add to further accelerate your profits to the next level.

Remember that the amount of energy and efforts required will depend on: your income goal and your time goal. The more money you want to make in the least period of time, the more energy required to realize the project. This is pretty much common sense. Why do I tell you this then?

I tell you this for the following reasons. In my other articles I explain the importance of setting up multiple streams of passive income, which allow you to receive leveraged profits. In my opinion this is a business approach that allows you to become financially free in a less stressful way. You can also become rich almost completely stress-free by investing some of your profits and compounding the return from your investments to increase your wealth exponentially.

Without leverage it will be harder for you. Leverage is what allows you to accelerate your profits with relatively the same amount of effort. It works amazingly. It eliminates many of the troubles associated with increasing your income exponentially.

This leads us to the following point on this article: Turn Key Businesses. A turn key business is a business that already went through the start up process (the hardest part), it is already generating profits and/or the efforts required to start the business have already being made for you.

You only need to turn the key. The energy invested on the business will be used to keep it profitable, not to accelerate the income potential unless you want to do so. This makes it easier. You don’t have to go from zero to somewhere. Many of these businesses are already profitable as I said before. Others are not generating revenues yet, but most, if not all the work required to make them profitable have already being done by someone else, not you!

These are usually businesses that someone else started, but for some reason they don’t want to run anymore. They sell these businesses to other smart people, who prefer to take over an existing business than to start their own from scratch. Also some of these businesses originate from people which main business is to sell turn key businesses. They prepare everything, the market, the products, even the customers; and sell everything to someone else to get the cash.

Why would somebody would go through the hardest part and not keep those businesses to themselves? One of the reasons is that some people are business starters. They like the adrenaline feeling experienced on the process. They are risk takers. The other reason (most common) is that many turn key businesses can be replicated.

They get experienced at it and they do it time after time. That’s their main source of profits. Once they sell a business they start another one and sell it too, and do the same thing again and again. Because they are so experienced starting that particular kind of business it is easier for them than for most people. Then other people (the buyers) get the business once it is started/running and all they have to do is to keep it profitable.

You can purchase a turn key business anywhere from $50 to several millions. Believe it or not, some of the lowest priced are the most effective ones. They have a high value increase potential also. If you are into passive income, it is better to own those businesses with high cash flow. These are businesses which require very small investment or no investment at all and produce a lot of cash profits.

This takes us to the next point in this article: mass, tangible vs no mass intangible. Remember what I said above that the mass is inversely proportional to the energy required to move it. This means that more massive objects require more energy to accelerate than less massive objects.

If you have two massive bodies with different mass and apply the same force to both, being all other conditions equal, the lighter body will accelerate faster. I believe that exactly the same thing happens in business. Let me explain.

If you want to make and sell airplanes, and I mean real airplanes here, even if you have large amounts of funds to run that business, it will be very hard for you to establish yourself in the marketplace. I am just making an analysis here. If you are considering starting this business or any other business and you are sure it will work, then give it a try. It is your choice, your decision; but notice why I think this way.

Airplanes are so big that they would require a huge space to be built. You need to hire specialized employees, comply with any regulations, etc. Now, let’s say that you make up our mind and decide to move to less massive objects. You choose to sell automobiles, cars.

You want to be a dealer because cars are items that people really need and you think you will always be in business, you will be profitable. Soon you realize that this is still too heavy. You need space, which will cost you money. You need to comply with many regulations, which will take time. You need to deal with the customers.

Customers need to make a relatively large investment for you to realize a profit. This leaves you in the situation that whether you deal with the customers yourself or pay someone to do it. Either way you will have to lose something to earn something. Also don’t forget about the competition!

Do you start to see why most new businesses fail. Even if you get a turn key business on these fields (you don’t start it from scratch), you will soon find out how much energy is required just to keep them moving.

Now, after a while, you change your mind again and you say: “I am going to sell computers.” At this point we start to make some progress. Computers are relatively small. They are versatile. They represent a product people want and need. You can sell them over the Internet and ship them via the postal service.

Then you start feeling more comfortable. You experience less hassles and more profits. Anyway, after a while, you change your mind again. This time you decide to purchase a factory and make parts or computer chips. Nice! You start to feel rich.

After a while, you change your mind again and decide to sell software. Then it hits you. You finally get the point. You get into intangible products/services. You realize that after a program is developed, you can reproduce it as many times as necessary. You can sell it over and over again thousands of times. There is no mass. When there is no mass you don’t need raw materials to make the products. You save yourself many hassles.

These are the kind of turnkey businesses I am talking about. Software is just an idea, there are many others. The hardest part would be to create the product, in this case the software, but if someone make it for you and sell you the right to resell it, all you will have to do is to resell it. That’s it. No renting space, no dealing with employees, no shipping and handling, nothing.

Don’t get me wrong, some tangible turn key businesses are very, very profitable; but I prefer the intangible stuff. I think profits are abundant in relatively low priced tangible turn key businesses.

I love this topic. I have more information about it on my website. I can’t share everything in just one article. I guess I will have to stop here and leave something for later. I hope this article have been helpful to you.

As you can see these are just basic examples of how you can apply scientific laws to your businesses and become more profitable. On this article I shared information with you about inertia. You can learn about other physical laws and their applications to wealth building techniques from my other articles.

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