lifetime http://www.artwoo.com Returned search results for lifetime Copyright 2008 Tue, 02 Dec 2008 17:23:38 +0000 http://www.artwoo.com/rss/lifetime Small Business Marketing: How To Determine The Lifetime Value Of Your Customer! http://www.artwoo.com/article/small-business-marketing-how-to-determine-the-lifetime-value-of-your-customer http://www.artwoo.com/article/small-business-marketing-how-to-determine-the-lifetime-value-of-your-customer#comments Fri, 11 Aug 2006 04:27:17 +0000 lifetime valuedollar valuetotal netforfeitingbob serlingnet profitbackend http://www.artwoo.com/article/small-business-marketing-how-to-determine-the-lifetime-value-of-your-customer Lifetime value is expressed as the total of your average customer over the entire period that they're likely to do business with you..andquot; -

Determining a customer's lifetime value can reap big profits as you grow your business. However, if you are like just a bout all small business owners, you most likely have never determined the lifetime value of your customers and are thus maximum income potential.

Do you understand what your customer's lifetime value is?

Do you acknowledge why knowledge of your customer's lifetime value is important? If you don't understand the answers to these two questions, read on.

Too many businesses view their customers as simply a single purchase or perhaps a single purchase plus one additional purchase rather than understanding the lifetime value of their customers.

andquot;Lifetime value is expressed as the total dollar value of your average customer over the entire period that they're likely to do business with you.andquot; - Bob Serling So, how do you derive the lifetime value of a customer?

Finding the lifetime value of your customers takes for granted that you have multiple items to offer to your customers. Backend sale items may be your own or some affiliate product, but you must have a number of follow-on things (products to market after the first sale) to sell so that your customers have a number of chances to buy from you.

If you have been in business for a while, first find out the average length of time a customer stays with you. Next take you have earned over this period of time and divide it by the number of steady customers you have.

For example, let's assume you have been in business for six years. You view your customer list and find out that on average, your customers continue three active years with you before dropping into inactive status. During the past three years your profit has been $480,000 and your customer list numbers 1750 active customers.

To derive the lifetime value of each customer, you apply the following formula: Lifetime Value = Net Profit / steady customers or in the case above, it would be Lifetime Value = $480,000/1750 or $274.28

So why is this significant. Because, now you know that each new customer you acquire is worth $274.28 dollars to you over the average customer life of 3 years. Now you can estimate how much you can spend to get a new customer and continue to get a profit.

Now, let's see some examples of how we can use this information.

For the purpose of this example let's consider that you have an internet business with a website designed for selling your products. Let's further consider that you are operating a Pay-Per-Click marketing campaign. You have calculated that one out of every hundred visitors to your site converts into an actual paying customer. You have a keyword that you are bidding 50 cents on. Which means that for every 100 customers you get through that particular ad you will convert one into a customer so to acquire that customer cost you $50.

[Note: If you are operating an offline business, the same principles can be applied to direct response advertising by replacing pay-per-click with a written advertisement that permits you to track your responses from that ad.]

Now let's say that the product you are selling at this website sells for $39.00. Many website owners would assume that the Pay-Per-Click campaign with this keyword was a failure, because, you just spent $50 to benefit a new customer who bought a $39 dollar item. This is an initial loss of $11 for every new customer you gain by this campaign. However, taking the longer view, that $50 dollars actually earns you on average $274.28 for each new customer over a period of three years for a profit of $224.28!

Now, instead of being a failure, your Pay-Per-Click campaign can be regarded as a great success. Spend $50 and get $224.28 back. How often would you like to do that?

Selling to your existing customers is always easier than getting new customers. You already have earned their trust, they have already bought from you and if the product or service they purchased from you was of high quality and met all their expectations or if you over delivered, they will most likely buy from you again. Satisfied customers are repeat customers.

So, if you want to maximize your profits, figure out the lifetime value of your customers and design customer acquisition campaigns that will skyrocket your total net profits rather than campaigns that consider only an initial sale. George Dodge owns http://www.SmallBusiness2BigProfits.com that focuses on Small Business Marketing and hosts Bob Serling's Master Marketing Course for Small Businesses that andquot;Can Literally Double Or Triple The Number Of New Customers Or Clients You Bring Into Your Business.andquot; ]]> The New MLB Drug Testing Policy http://www.artwoo.com/article/the-new-mlb-drug-testing-policy http://www.artwoo.com/article/the-new-mlb-drug-testing-policy#comments Tue, 29 Aug 2006 22:27:19 +0000 lifetime banspring trainingamphetaminesmlbsteroid usegame suspensionrandom http://www.artwoo.com/article/the-new-mlb-drug-testing-policy MLB drug testing policy. While you may have heard about the policy you might not understand the specific implications of the policy and how it may affect your favorite players and teams.

The new policy was brought about by threat of legislation from Congress. Under the policy tougher penalties for are implemented. Under the new policy the players are to be tested during their along with at least one additional test during the regular season as well as being subject to testing throughout the regular season.

Under the previous policy, penalties were much less severe. For example, for a first offense a player would be subject to a 10-day suspension and then 30 days for a second offense. A third offense would rate a 60 day suspension. The new policy calls for a 50 for the first offense and a 100 game offense for the second offense. For a third offense the player will receive a . Additionally, after the first offense the player will be subjected to testing as well as steroid testing. This is the first time the problem of amphetamine use will have been addressed by a policy with MLB. Under the old policy a player could not receive a lifetime ban until he had been hit with at least a fifth offense.

Under the previous policy testing was also conducted on a much less frequent basis. Testing was conducted at the beginning of spring training with no additional testing through the regular season other than random testing. Under this policy, it was quite possible for a player to only be tested once from the beginning of spring training throughout the regular season.

The policy stipulated that players who tested positive for steroid the year prior to the new policy taking affect would be treated as first time offenders under the new policy if they should test positive again.

It should be noted that in the event a player is banned for life after a third offense under the new policy, a player can apply for permission to return to the game two years after receiving the ban. An independent arbitrator can be assigned for the purpose of reviewing the Commissioner's decision in this instance.

The policy also takes a stab at possession of illegal steroid use in addition to use of illegal steroids. Players convicted for the possession of illegal steroids are subject to a 60-80 game suspension for the first offense and 120 games to one year for a second offense. A lifetime ban is on the table for a third offense. Players who are convicted of steroid distribution face tougher suspensions for the first offense and are subject to a lifetime ban after the first offense.

Penalties for amphetamine use are slightly less severe than for steroid use. Mandatory follow-up testing is dictated for the first offense with a 25 game suspension for the second offense. An 80 game suspension will be given for the third positive test and at the fourth offense the penalty is left up to the Commissioner, which could include a lifetime ban. Joe Kenny writes for the soccer forum http://footballtalk.org/. Visit the UK football forum today at http://footballtalk.org/forums/ and join in the discussions! ]]> The Four Secrets To Increasing Your Online Profits http://www.artwoo.com/article/the-four-secrets-to-increasing-your-online-profits http://www.artwoo.com/article/the-four-secrets-to-increasing-your-online-profits#comments Fri, 03 Aug 2007 17:15:00 +0000 lifetime valuementoring programprofitsebookbackendsecretsunderground marketing http://www.artwoo.com/article/the-four-secrets-to-increasing-your-online-profits
Yet, many thousands of people fail at it each and every year, just like clockwork.

One obvious reason they fail is because they give up too early. Not being willing to work hard at it is yet another common reason. But even if you are sincere and persistent in your efforts, you won't succeed wildly - unless you discover some along the way.

Below you will find four of my most powerful secrets - if you are wise you will put them into action, if you are foolish you will never apply the knowledge I am about to share with you:

Secret #1 - Of Your Customer

Once you come to grasp the powerful meaning of these words, your will take to new heights.

So what exactly is 'lifetime value'? It is the exact value of how much a new customer is worth to your business - over the 'lifetime' of their relationship with you.

If you sell a $19 on stocks, and for every 10 buyers, one will go on to join your investing and pay you $150 a month for a year, your 10 new customers are no longer worth $190 to your business - they are worth $1,990!

Knowing your 'lifetime value' figures give you a major advantage when investing time, money and effort into attracting new customers to your business - and doing it with certainty and confidence about being profitable all of the time!

Secret #2 - Create A Product

Your real profits come from the 'backend sales' - not the product or service you sell upfront at a low price to attract new buyers.

This ties in directly to the old 80/20 rule you learned in business class. Twenty percent of your customers will give you eighty percent of your business.

By using the same example as above, your $19 ebook is the front-end sale. It brings in new customers. The $150/month mentoring program is the 'back-end sale' - and is 10 times more profitable.

To really explode your online profits you must develop a 'back end' product.

Secret #3 - Allowable Cost of Acquisition

This secret ties in with the first - lifetime value.

Once you know how much a new customer is worth to your business, on average, you have a figure on which to base the budget you are willing to spend to acquire a new one.

If your lifetime value is $50, then you know by spending up to $50 to get a new customer, you will at least break even.

This will minimize your advertising risk, and propel the growth of your business.

Secret #4 - Outsource Your Work

This last secret should be no secret at all. Far too many infopreneurs spend most of their day working on their business... and forget to have any fun outside of it.

All work and no play makes you one tired, stressed, and unhappy marketer.

You must always be thinking of ways to put each process of your business on autopilot. If you can think of it, there is a way to outsource the work. From customer service to marketing, you can hire someone to do the work for you.

Never be foolish enough to think you can do everything for your business.

By outsourcing the work, this will free up your time to create new products and enjoy the freedom that comes with owning your own business.

These four secrets, if applied, will help you to grow your business substantially, increase your profits, and allow you to enjoy the fruits of your labor without becoming a slave to your business. Looking for quality resale rights products? Michael Rasmussen and Jason Tarasi own and operate one of the Net's premiere resell rights memberships. To grab your free resell rights package, visit this site now - http://www.resellrightsblowout.com ]]> Who Should Be The Beneficiary Of Your IRA? http://www.artwoo.com/article/who-should-be-the-beneficiary-of-your-ira http://www.artwoo.com/article/who-should-be-the-beneficiary-of-your-ira#comments Mon, 23 Apr 2007 22:15:03 +0000 roth irasole beneficiaryrequired minimum distributionsirsprobate courtbeneficiariesrmds http://www.artwoo.com/article/who-should-be-the-beneficiary-of-your-ira beneficiaries) for your IRA. Some are appropriate. Some are mistakes and can lead to delays and expenses in getting the funds to your desired recipients. Some may even exclude some of your desired beneficiaries. In addition, some elections are for estate planning purposes. Let's take a look at your options.

No Beneficiary

Not recommended. This mandates your IRA be distributed according to your will, if you have one. If you don't, each state has "intestate" rules that divide your estate up in ways you wouldn't ever want.

An IRA with no beneficiary must be distributed within five years. By contrast, a named beneficiary can spread the distribution out over the balance of their life expectancy.

Your Estate

Naming your estate as the beneficiary is the same as not naming one. The rules require a "named" beneficiary. Now your IRA goes through the probate process. This costs money, takes time and subjects your IRA to your creditors.

Why should you pay money to be represented by an attorney and have a judge in some decide whom your beneficiary will be? Why should your beneficiaries have to wait around for your estate to be closed? What if your will is challenged? What if you have a big estate with estate taxes due and the is questioning the valuation of your business? I have seen estates open for as long as ten years as the debate goes back and forth between your attorney and the IRS. The worst case I can think of is your IRA completely eaten up by legal fees inasmuch it may be the only liquid asset.

Your Spouse

This is the most common designation and makes the most sense for a number of reasons.

If the spouse is the , he or she can elect to treat the IRA as his or her own. This opens up the possibility of delaying the start of the (). This could be the spouse's age 70 1/2, or for a , all the way to the death of the spouse. It also allows further "stretching" of the IRA as the spouse can spread the RMDs over their lifetime plus the lifetime of a beneficiary.

If the spouse is more than 10 years younger than a non-Roth IRA owner, their life expectancy can be used. Beneficiaries other than the spouse, who are more than ten years younger than the IRA owner, are treated as being no more than ten years younger for RMD purposes. This is another "stretching" advantage for naming the spouse as beneficiary.

Children

If children are beneficiaries, they can take the RMDs over their life expectancy. Since the RMDs are very low at the younger ages, the account can grow substantially over the years. For example, a $100,000 IRA could distribute literally millions of dollars over the lifetime of a young beneficiary.

If there is more than one child named, the youngest age is used for RMD purposes. However, if the children are beneficiaries of a trust, the oldest age is used.

Grandchildren

Because grandchildren are even younger than children are, the lifetime income potential from RMDs would floor you. I can show you an example of the same $100,000 IRA used above as an example that would pay out 20 million dollars to a grandchild over their lifetime under the right circumstances.

Naming a grandchild gets into the generation skipping transfer tax area. But each person has a lifetime generation-skipping transfer tax lifetime exemption of $2,000,000 (in 2006). In any case, I would consult a tax attorney to make sure this beneficiary election coordinates with the balance of your estate plan.

A Trust

There may be some good reasons to name a trust as the beneficiary of your IRA. Your estate could be large enough so that you do not want your IRA to be subject to taxation twice. You may want to take advantage of the marital deduction, control where the balance of your IRA goes after the death of your spouse or have a spouse that is not a U.S. citizen.

These objectives need to weighed against the ability of your spouse to treat your IRA as their own with the attendant advantages. If a trust is the beneficiary, the spouse cannot make this election, even if they are the only beneficiary of the trust.

There are other beneficiary options beyond the scope of this article. I hope it is clear that there is no rubber stamp best beneficiary election. Prior to making a beneficiary choice, thought needs to be given to your estate, your family's circumstances, the rules and your wishes.

In many cases, you should consult a tax attorney. The examples I have used here are my understanding of the rules and cannot be relied upon as tax advice. Robert D. Cavanaugh, CLU is a 36 year financial and estate planning veteran and author of the free newsletter, "The Estate Preservation Advisor". To subscribe and get the free video, "How to Sell Your Life Insurance Policy for More Than the Cash Value", go to http://theestatepreservationadvisor.com/freevideo.htm ]]> How To Increase The Life Time Value Of Your Customers http://www.artwoo.com/article/how-to-increase-the-life-time-value-of-your-customers http://www.artwoo.com/article/how-to-increase-the-life-time-value-of-your-customers#comments Sat, 16 Feb 2008 16:15:00 +0000 lifetime customershigh paying affiliate programslifetime valuemassage therapistaffiliate productsinternet businessesmaximum value http://www.artwoo.com/article/how-to-increase-the-life-time-value-of-your-customers maximum value from each of your visitors. The of a customer is how much they spend with you over the years until they stop buying.

Most have very bad lifetime visitor values.

This is because a lot of online marketers only offer one item to their customers and then never approach them again. This is like a never getting a repeat customer. Think about all the extra work of only selling to new people, and having to constantly rely only on new people to support the business. You don't have to make this mistake.

The key to increasing the lifetime value of your visitors to the max is email marketing. This includes marketing to those who haven't yet bought, and marketing to those who already bought.



You should have two email lists at the minimum. A list that has opted to receive messages from a signup box on your sales copy. And a list of people who have already bought from you.



You should have the intention of capturing as many visitors' names as possible using an opt-in email form. This is best accomplished with a popup box that displays as soon as someone pulls up your website.

Once a person is on your list you can slowly warm them up to your and build a relationship with them. Do this by providing them with valuable, unique information about your niche, and you will become an expert in their eyes.

You can take many people who would have never bought from you and turn them into who spend thousands of dollars with you over the years.

You should have a back end system in place, which strongly markets your customers after they make their first purchase. Offer them not only your own products but other related .



You can easily find dozens of products for any niche with . Offer these products to your list and you'll make great commissions on every sale. The combinations are limitless. However, always be sure you only offer items your list will truly appreciate.

By using a dynamic sales funnel approach such as this, you'll squeeze every bit of profit out of your customers while providing them with real value and benefits. What a great process. Try it for yourself and watch as your online business takes off.

It must be stated that you must first find a good niche.

How do I find a profitable niche? This is the question many "would be" internet marketers are asking now a days. And the answer is simple. This article is going to explain how to find yourself a great niche that will bring in substantial money on an ongoing basis.

Choosing the right niche is possibly the most important step that you will take. If your niche is overly competitive, you're not going to make many sales, if any. Likewise, the same holds true if your niche has no buying customers. A perfect niche will have enough people willing to spend money, while not being overly competitive. Free Internet Advertising Secrets Books For You: http://www.460freeadvertisingsecrets.com ]]> Honeymoon Safaris http://www.artwoo.com/article/honeymoon-safaris http://www.artwoo.com/article/honeymoon-safaris#comments Mon, 07 Jan 2008 14:15:01 +0000 hot air ballooningromantic dinners for twomt kilimanjarohoneymoon safarisvacation of a lifetimelifetime experiencetrip of a lifetime http://www.artwoo.com/article/honeymoon-safaris trip of a lifetime =96 somewhere where they would not normally get the chance to go. Going on a honeymoon safari can fulfill both of these desires, and send newlyweds on the romantic .

Going on a honeymoon safari offers you the chance to experience a trip like no other. Many offer opportunities to spend the day on a secluded beach or take in a remote area where few get to go. While there are times when you will be with a guide (and, when you are experiencing African wildlife up-close, you will likely want to have a guide!), there are lots of times where you will be alone to enjoy each other's company with no one else around. The privacy that a honeymoon safari can offer is amazing. Companies that book honeymoon safaris boast about their abilities to book you private accommodations and excursions, and those who go on them rave about the individual attention they receive.

Going on a safari is more than just getting to see animals. Of course, you do get to see animals =96 getting to see African giraffes, elephants, zebras, and lions up close is often one of the highlights of a honeymoon safari. And part of a honeymoon safari is usually going on a traditional safari to view wildlife. Trekking through the Serengeti is a once in a . But a honeymoon safari can be so much more. Many trips offer adventures like white water rafting, , and scuba diving. You can hike along the base of Mt. Kilimanjaro (or even hike to the top) or snorkel along the coast of Zanzibar. And you can take part in environmental efforts in the region as well.

Going on a honeymoon safari doesn't mean that you will have to give up the romance. Most packages include and secluded hotel accommodations. You also can be pampered with spa treatments for two or stay in a luxury chalet. Many companies offer you the opportunity to spend time on a private beach where newlyweds are completely alone. And if you prefer to be completely isolated with your new spouse, that is often an option as well. In fact, a honeymoon safari might be one of the most romantic trips in the world.

If you are a Brahmin parent looking for brahmin brides or grooms please check the url http://www.brahminsmatrimony.com James Gunaseelan writes for brahmins matrimonial portal http://www.BrahminsMatrimony.com ]]> Building Self Confidence - For A Lifetime Of Achievement http://www.artwoo.com/article/building-self-confidence-for-a-lifetime-of-achievement http://www.artwoo.com/article/building-self-confidence-for-a-lifetime-of-achievement#comments Sun, 27 Jan 2008 20:19:55 +0000 building self confidenceshoe lacescommon elementspeaking in publicconsistent applicationhealthy mealsnegative thoughts http://www.artwoo.com/article/building-self-confidence-for-a-lifetime-of-achievement building self confidence we can experience everything that we are and all we want to be.

If you think about all your abilities, from tying your , to driving a car, designing a building, making new friends or , the one to all ability is frequent and of the same activity. The self confidence is gained in accordance with the knowledge and ability to perform any action.

So the key to building self confidence is not some deep hidden ability that is unattainable to anyone. Achieving the level of self confidence that we all want takes commitment, motivation and most of all consistent ongoing effort. You have to really want it, focus on specific areas and work towards the goals.

What's stopping you?

Doubts, fear and a lifetime of negative unproductive thinking keep us operating far below our capabilities. To release the inner strength needed to sustain the motivation to gain knowledge and practice the activities will involve some mental reprogramming. Taking those lifelong tired old unproductive and replacing them with powerful, success driven thinking.

You are probably asking yourself "What is he talking about?"

It is really nothing more than taking how you think and respond to any situation and conditioning yourself to think and respond in a different way (in a way that will help you achieve, prosper, and reach a desired goal).

Let's say that you would like to achieve a goal, like losing 20 lbs. Unfortunately, every time you decide to begin a diet your old thinking patterns come into your head "It's not possible" or "I'll always be overweight" or "I can't change my eating patterns because there is no time to cook ".

You can try to eliminate these harmful thinking patterns, but the real solution is to replace them with new ones. By installing the new attitudes and new beliefs, through repetition, you can retrain your mind to respond with thoughts and actions that will give you confidence and encourage you toward success.

This process will allow these new thoughts to be the dominate influence in your life. You will be one of the few people that will be able to tap into your inner reservoir of ability and project it at will. Building and projecting self confidence will become natural, confident, sharp and comfortable.

There is just one other thing I would like to mention. It doesn't matter how young or old you are, you have the ability to do this. It does take a determined effort, our unproductive thinking patterns didn't happen overnight. Give it a chance to really become automatic. It's a proven method, very simple and will last a lifetime. I know that the change in you and your ability will not only affect your life, but will also have a positive direct influence in your family, friends and co-workers. Now you can break "unproductive negative thinking patterns". Generate the results you want in motivation, self esteem, health, building self confidence and much more. You can literally reprogram yourself for a lifetime of success and achievement. For More Information Visit http://www.ThinkSwap.com ]]> Looking Forward To Your Cruise Holiday? http://www.artwoo.com/article/looking-forward-to-your-cruise-holiday http://www.artwoo.com/article/looking-forward-to-your-cruise-holiday#comments Sun, 29 Jul 2007 12:24:58 +0000 cruise holidaycruise ticketcruise shipmemorieslifetime opportunityscrapbooktacky tourists http://www.artwoo.com/article/looking-forward-to-your-cruise-holiday lifetime opportunity. Sailing to far off places and forgetting about the rest of the world, cruises are known as a luxury holiday and each one will provide you with a different experience.

With a cruise being a once in a lifetime opportunity, wouldn't it be a fantastic idea to preserve your ? There are a number of ways in which you can do this and it really will help you to remember the fantastic time that you had.

Keeping the Memories Alive

If you have finally decided to save up for that once in a lifetime then you should start to think about the ways in which you can remember the vacation for the rest of your life.

The most obvious way to remember something is to take a picture of it. Now not everyone is comfortable doing this, especially on a . This is because they fear they will look silly and they do not want to be seen as . However, if you really do want to capture your memories then taking pictures is the best way to go about it. So forget about those around you and take plenty of film and a camera. You will be so glad that you did take the pictures once you return from holiday and it will give you the chance to relive the experience all over again.

Another way in which you can capture your memories is through a . Scrapbooks are easy to make and you can stick pictures in them as well as write your memories down. Literally everything that you find you can put it into the scrapbook. Perhaps you have the ? Well that could go in there. Get different members of the family to do their own scrapbook and then compare them when you get back home. This can be really fun to do and it gives you the chance to relive everything through everybody else's perspective as well as your own.

A memory box is something else that you can use to keep your memories alive. Perhaps you have bought something on the cruise or especially for the cruise? On your cruise vacation you are likely to purchase something and that can be put into the memory box. It is interesting to see what you did pick up and find whilst on vacation as when you get home you will have forgotten certain things and all you have to do is open the memory box and it will all come flooding back to you.



Overall keeping everything that you can from your cruise vacation is a great idea. By keeping your memories you will be able to look back on the cruise in years to come. It could be that you keep just the simplest of things such as your menu for dinner one evening. So write everything down and keep a scrapbook. Do not forget to take as many pictures as possible and remember to forget everyone else that is around. The holiday is all about you so don't let anybody make you feel silly for wanting to capture your memories! Robert Carlton continually creates papers on things similar to Alicante and Benidorm. His writings on Torrevieja can be found on http://www.alicante-spain.com/torrevieja.html and also other online publications. ]]> Social Security Retirement Benefits Do Not Fill Financial Need http://www.artwoo.com/article/social-security-retirement-benefits-do-not-fill-financial-need http://www.artwoo.com/article/social-security-retirement-benefits-do-not-fill-financial-need#comments Sat, 01 Sep 2007 00:25:00 +0000 security retirement benefitssocial security retirementsocial security administrationretirement ageearly retirementcontactwill also receive http://www.artwoo.com/article/social-security-retirement-benefits-do-not-fill-financial-need Security retirement benefits do not provide enough for most people to live on, especially if they plan to continue their previous standard of living. In order to maintain their quality of life, they will need something to supplement the benefits they earned during their lifetime.

Although many people retirement benefits from the place of employment, that plus Social Security retirement benefits still may not equal the income they were receiving while they were working. Additionally, there may be some income received by retired workers that will affect the amount of Social Security retirement benefits they are entitled to receive. At any time during a person's working life, they can the for an update on the benefits they would be eligible to receive upon retirement.

The age at which a person chooses to retire will affect the amount they receive in Social Security retirement benefits and the full , according to SSA is based on the year of birth.

Benefits Reduced By

Laws governing Social Security retirement benefits recently changed, and could change again in the future, but currently with an age of 66 considered as full retirement age, if a person has earned enough credits, they can retire at the age of 62 with a 25 percent reduction in Social Security retirement benefits. At age 63 they would receive a 20 percent reduction of the full amount and at 64, a 13 and one-third percent cut and at age 65, their benefit would be reduced by six and two-thirds percent.

The amount received in Social Security retirement benefits will be determined by the amount a person has earned over their lifetime. A person who continues to work past their retirement age may see an increase in their benefits. SSA will annually review a person's work record each year and notify them if there will be any change in their benefits.

Persons who opt to retire before reaching full retirement age will be restricted to the amount of income they can earn before losing some of the Social Security retirement benefits to which they were qualified at the time of taking early retirement. The maximum amount a person can earn each year without losing benefits is currently $12,960 and the Social Security retirement benefits will be reduced by $1 for each $2 earned over that limit. For a whole lot more information about retirement and all kinds of great information about retirement plans please visit Scott's website at: http://www.all-about-retirement.info ]]> Mortgages. Short Term Advice http://www.artwoo.com/article/mortgages-short-term-advice http://www.artwoo.com/article/mortgages-short-term-advice#comments Mon, 10 Jul 2006 04:27:06 +0000 types of home loansmortgage rateterm mortgagemortgage companieslifetimemortgage brokersterm mortgages http://www.artwoo.com/article/mortgages-short-term-advice types of home loans coming onto the market which are being advertised at present. Several of the are offering variation of them and they are being marketed as "" loans. So might this be the end of the short-? Not necessarily so, it appears that there are still bargains out there for those prepared to shop around.

usually advise discounted short and advise clients to regularly shop around after the two year discount has come to an end to obtain an even better deal. These clients are known to the insurers as "rate tarts". But who can blame them for obtaining the best possible deal, especially as the broker does all the work for them, making the whole procedure painless and trouble free.

First of all, if you need to borrow over £150,000 the above advice is still without a doubt the very best and asking your broker to shop around for discounted rates is, in our opinion, essential.

For borrowers of less than £150,000, some of these new mortgages appearing on the market initially sound tempting. They are classed as low-rate "lifetime" loans. Abbey and Woolwich are two of the building societies offering flat-rate low cost home loans, amongst others.

The Woolwich has a lifetime tracker which has a guarantee of staying at 0.19 percentage points above base rate. At present the Bank of England's base rate is 4.50%, therefore the rate is 4.69%.

Conversely, the Portman Building Society's two year fixed rate plan presently stands at 4.19%, still cheaper than the Woolwich "lifetime". You do, however, have to factor in the cost of shopping around, which we have listed:

Legal fees £350 on average. Application fee £499. Valuation fee £300 on average. Deeds release fee £199.

This is worked out on a loan of £150,000. The above sums come to just under £1,350 and the saving on interest over the Woolwich comes out at £1,500. This means that there is a very small saving on the Portman deal at two years. You would need to find another tempting deal and be ready to switch to it at the end of this period as a 6.5 per cent rate would come into force otherwise.

Abbey's Flexible Plus tracker has a slightly higher rate than the Woolwich, at 5.09% but, as the name implies, it is very flexible and will allow you to reduce the amount of money borrowed by offsetting your mortgage and also permitting you to withdraw money from the mortgage. One advantage is that you can make use of the mortgage as a type of savings account. Money withdrawn is charged at the mortgage rate.

To sum up, these new loans do seem to be competitive, but the mortgage market alters all the time if you're out for the very best deals, check with your on-line broker and find out what's available out there. They'll search the whole market and get you the very best deal. That's what they're there for! Mortgage Detective is a specialist uk based mortgages http://www.mortgage-detective.co.uk/mortgages.php )website tha also offers its clients access to life insurance ( http://www.mortgage-detective.co.uk/life-insurance.php ). ]]> Pet Health Insurance -- Make Sure You Know What You're Getting http://www.artwoo.com/article/pet-health-insurance-make-sure-you-know-what-youre-getting http://www.artwoo.com/article/pet-health-insurance-make-sure-you-know-what-youre-getting#comments Sun, 26 Oct 2008 08:01:23 +0000 pet health insurancevet billsmedical problemtumourhealth insurancemany different typestime frame http://www.artwoo.com/article/pet-health-insurance-make-sure-you-know-what-youre-getting pet . You almost certainly know that. And you probably know that if you don't get insurance you could find yourself faced with huge or, even worse, being unable to afford vet treatment for your pet.

But what you may not realise is how of pet health insurance cover there are. So when you are taking out your policy, you have to look carefully to make sure it covers what you need. Otherwise, you could have wasted your money.

So what are the main levels of cover you could be looking at?

1. Claims are limited per condition for one year. Suppose the limit is £4,000 per condition and your pet developed a serious such as a that cost £4,500 initially to treat. The insurance would pay £4,000 leaving you to pay the remaining £500. If your pet needed any further treatment for that condition next year, you would have to pay that yourself. But if he developed a different condition in a subsequent year, the policy would again pay up to £4,000 (provided the insurers agreed that the condition was totally unconnected with the first one.)

2. Another type limits the claim per condition and per year. In this case, if your pet developed a problem costing £4,500 to treat and the limit was £4,000, you would again pay £500 with the insurance paying the rest. However, if further treatment was needed for that condition in subsequent years, the policy would continue to pay out up to £4,000, and so on as long as it was necessary. If the pet developed a different condition as well, the insurance would pay out up to £4,000 per year for that condition as well.

3. A third type of pet health insurance imposes a maximum pay-out per condition, regardless of the . Suppose the maximum per condition was £10,000 and your pet developed a tumour that cost £4,500 in the first year and £4,500 in the second year. The insurance would cover these in full, but this would only leave £1,000 for subsequent treatment for that condition, after which you would have to meet the cost yourself.

These are the main types of limitation -- there may be other variations, but you get the picture. If your pet developed an incurable condition such as renal failure or diabetes, only type 2 would enable you to cope with this financially over the lifetime of the pet. Even if you had to top up the payment one year, you would still be able to claim again in subsequent years. So this is really the only type that can truthfully be called "lifetime cover" -- as long as it doesn't impose an age limitation as well.

The problem is of course that most pet health insurance policies claim to provide "lifetime cover" so you have to check carefully what is actually on offer. Obviously, the more comprehensive the cover, the higher the premiums. If you can't afford the most expensive cover, at least make sure you read the small print so that you know what you are getting and don't only find out when it's too late.Sean Horton is a Director of www.petquote.co.uk who provide comprehensive and affordable Pet Health Insurance]]> 60 Minutes To Clear Goals http://www.artwoo.com/article/60-minutes-to-clear-goals http://www.artwoo.com/article/60-minutes-to-clear-goals#comments Sat, 22 Apr 2006 22:50:02 +0000 lifetime goalsexercisemanagement leadershipblank piecesquare foot housegoal settingstep 2 http://www.artwoo.com/article/60-minutes-to-clear-goals
I often talk about leadership and management. Leadership is about doing the right things while management is about doing things right. Often when we study time management, we study efficiency (doing things right) and make the assumption that we have the effectiveness (leadership) solved.

The first step in any time management system should be to work on goals and as such, I use the following 60 Minute .

Step 1: at the top of a of paper write down "values" and then spend 10 to 15 minutes writing down everything that you value. There is a great website: www.stevepavlina.com/ that has a list of several hundred values to start your mind thinking in the right direction. After the time is up, stop doing this and move to .

Step 2: at the top of a blank piece of paper write down "". This is where you can dream; for example, what places would you like to visit; what experiences would you like to have; what would you like to accomplish within your lifetime. This might include traveling to Australia; getting a university degree; living in an X , etc. There are no rules to this brainstorming -- simply make a list.

I have done this goal setting exercise many times and I tend to use the same list of lifetime goals and add to the list each time I do the exercise.

Step 3: at the top of a blank piece of paper write down what you would do if you had six months to live. This part of the exercise really came home to me this week when one of my close friends died at 36 years old. Some of us may have only six months to live; however, we may not know it yet. List everything that you would do if you had only six months to live. Part of the purpose of this exercise that I found works well for me is that it brings the truly important into focus. Often I find things that I would do if I had only six months to live that are not listed on my life time goals.

Step 4: at the top of a blank piece of paper write down your goals for this year. After doing the first three steps, you will find this step much easier than the others. These are the goals to focus on NOW.

This total exercise will only take an hour. An hour spent clarifying your goals can save you hundreds of hours. Jim Estill started his business from the trunk of his car and grew into to $375 Million in sales before selling it to SYNNEX. He is now CEO of SYNNEX Canada a $1 Billion computer wholesaler. he is a regular blogger at http://jimestill.blogspot.com ]]> Life Insurance: How Does Life Insurance Work? http://www.artwoo.com/article/life-insurance-how-does-life-insurance-work http://www.artwoo.com/article/life-insurance-how-does-life-insurance-work#comments Mon, 10 Nov 2008 09:29:30 +0000 whole life insurance policieslife insurance coveragelife insurance policieswhole life assurancewhole life insuranceterm life insuranceadditional insurance http://www.artwoo.com/article/life-insurance-how-does-life-insurance-work
There are essentially two principal forms of . This can be term life and . Naturally, there are subcategories of each form. At large, and whole life insurance are the two primary classes of life insurance.

Whole life is insurance that underwrites you for the totality of your life, unlike term life insurance which only backs you for a sealed amount of years. With this policy, your beneficiary will get a death benefit. also provide you the alternative of fixed premiums which intends that you can pay the same sum of money for your policy for the total time you have it. As long as you reliably sustain payments. Your premiums will not increase! Whole lifetime policies blend life coverage with an investment fund.

You may be acquainted with term life insurance. This policy is given to be more popular than . They are less expensive and simply survives for as long as you require it to. You pay exclusively for . A term policy will run out, and so you may not have insurance coverage at a time in your life when it costs more money and planning to obtain ! Still, not many of us are acquainted with all the different kinds of assurance options.

Term life assurance is solely bought for a predetermined amount of time. Therefore the premiums can be smaller. Some assurance brokers consider these forms of impermanent policies to be more magnetic in attracting new clients. Yet, although straight life insurance policies may seem more expensive at first, it may have some advantages that ought to be looked at.

You see, whole lifetime assurance will underwrite you for your full lifetime as long as the policy is kept in effect. The policy will not run out. Moreover, the premium charge per unit you are quoted at the beginning will be the premium you pay 20 or 30 years from now!

Some other advantage of whole lifetime insurance coverage is that it may be used as an asset. Once your policy develops a cash value you will be able to borrow versus the cash value. You are also able to decide to cash out your policy value. Naturally, this means you gave the sack to your life insurance policy, but at best you still have some cash back from the premiums you paid.

Ordinary life insurance quotes and term life insurance quotes are available on the World Wide Web. Acquiring quotes on life insurance is fast, leisurely and mostly free. Prior to buying a policy, first compare premium rates and choose a trusty lawyer. Also, it pays to assign a specific person as the beneficiary to your policy. The function of life insurance is to leave financial funding for those who survive after your death. Your motivation for having life insurance may change according to your age and responsibilities.

How does life insurance work? This was a quick answer to this common and valid question that people may be asking.Copyright 2008 - Dan Theron. Whole life insurance online quote. Life insurance coverage lawyer.]]> Women Squander Time, Thousands of Dollars Removing Unwanted Hair http://www.artwoo.com/article/women-squander-time-thousands-of-dollars-removing-unwanted-hair http://www.artwoo.com/article/women-squander-time-thousands-of-dollars-removing-unwanted-hair#comments Sat, 20 Sep 2008 12:50:30 +0000 unwanted body hairdepilatory creamshair removal productsingrown hairslifetime investmentattention womenhair removers http://www.artwoo.com/article/women-squander-time-thousands-of-dollars-removing-unwanted-hair
We were curious and so we found the answers in a May 2008 Zoomerang hair removal survey that found women spend more than $10,000 on and services over the course of a lifetime. Not only shaving with razors, women spend a lot of time and effort with creams, lotions and waxes to remove hair.

And yet it keeps coming back. Sometimes it happens quickly and just when you don't want it to be there. And then there's the other side of shaving, with nicks and cuts that need to be disguised until they heal, not to mention the potential of that need attention.

Women responding to the survey reported they will spend more than 58.4 days removing hair from their bodies during their lifetime. The survey also revealed that women remove for an average period of 53.6 years using methods including shaving, waxing and . A lifetime of hair removal adds up to more vacation days that most people have for several years.

While women report a small monthly spend on shaving, $15.87 per month, the for females who shave adds up to $10,207. That money added to 58.4 days spent shaving would make a nice vacation.

Depilatory cream- or lotion-users are paying slightly more than those who shave for their hair removal, $10,555 through their lifetime, yet they only remove hair one to two times per month. So creams and lotions decrease the amount of time but increase the cost. In the current economy, the number of people using has the potential to decrease.

Waxing is by far the most expensive form of hair removal. While respondents reported waxing only one to two times per month, women who wax will spend an average of $23,000 on hair removal in a lifetime. Women can spend time performing the wax treatments themselves and cleaning up the resulting mess, or make and travel to appointments to have it done professionally. Even with professional waxing, many people can have ingrown hair issues and need to purchase additional lotions to decrease the discomfort.

The hair removal study was conducted to determine the cost savings benefit of laser hair removal verses a lifetime of shaving or waxing. On average, women can save $7,000 by receiving laser hair removal on the areas of the body they typically shave. When compared to a lifetime of waxing, women can save $20,000 by receiving laser hair removal on the areas of the body they usually wax.

As people are more time crunched than ever, laser hair removal has evolved into a lifestyle decision. Like Lasik surgery for contact and glasses wearers, laser hair removal is a decision to free yourself from one of the most mundane processes in your life -- hair removal. Eliminating the time and money spent on hair removal, like contacts and glasses, offers more time to do other, more enjoyable tasks.

In addition, laser hair removal is a procedure that will help conserve water. Fifty-two percent of women surveyed reported shaving with the water running the entire time. Women surveyed reported an average shaving time of 10.9 minutes and an average of shaving 12 times per month. With the average shower using five gallons of water per minute, this means the average woman will use 7,848 gallons each year and a total of 420,652 gallons of water shaving throughout their lifetime, nearly enough water to fill an Olympic-size swimming pool. Only two percent of women shavers do not use water when shaving. However, dry shaving can increase the risk of ingrown hairs and nicks, not to mention those red bumps that can crop up while shaving.

Most women don't look forward to shaving. It's generally considered a chore, something to avoid and a half-hearted wish to be in a European country where shaving isn't a common practice. Regular maintenance is required and unavoidable with shaving, lotions and waxing.

Hair removal was one of the earliest applications of laser technology; and improved treatment protocol from national laser center chains have deemed it more effective than ever before, succeeding even with the darker skin tones or light-colored hair that were not amenable to treatment by more conventional lasers.

The most effective laser hair removal process combines pulsed, high-intensity light with precisely controlled radiofrequency waves to damage follicles. The result of permanent hair reduction can often mean: no more shaving, waxing or bleaching of the treated areas.AmericanLaser.com is the largest and most successful laser hair removal, skin rejuvenation and cellulite reduction therapy company, with more than 220 locations in the United States. For more information, please visit AmericanLaser.com.]]> Mortgages For Old Timers http://www.artwoo.com/article/mortgages-for-old-timers http://www.artwoo.com/article/mortgages-for-old-timers#comments Fri, 24 Aug 2007 21:15:00 +0000 equity releaseequity guaranteenegative equitylifetime mortgagesafe homeretirementmortgages http://www.artwoo.com/article/mortgages-for-old-timers retirement. Make sure you use these ten points to avoid the pitfalls.

#1 Make Sure That Is Right For You If you are coming near to retirement or are retired and you are a homeowner you could be eligible for a cash lump sum in the form of an equity release plan. The amount you eligible for will depend on your age, property and the type of scheme.

Regardless of the equity release plan you choose, it will still affect the amount you are able to leave as inheritance. So you should make sure that you talk things through carefully with your family first.

#2 Get Financial Advice It is always a good idea to talk to an independent financial advisor who will be able to access your current situation and what you want to achieve and find the most suitable solution.

Make sure you ask your financial advisor about the different equity release options available, the associated costs and whether any repayment charges are payable if you decide to end your plan early.

#3 Make Sure Your Provider Is A Member Of SHIP Income Plans (SHIP) is the organisation dedicated to the protection of equity release plan holders and the promotion of safe home income and equity release plans. All participating companies have pledged to observe the SHIP code of practice, which guarantees the safety of all their plans.

#4 Check Out A Lifetime used to be called cash release plans or roll up mortgages. The amount you borrow is secured as a mortgage against your home and you do not have to pay anything back until you die, need to go into care or the loan is repaid from the sale of your home.

Interest builds up from the start of the loan until it is repaid. A no negative ensures the lender will always accept the value of your home as full repayment for the loan and your estate will not have anything to pay on top. This is something to talk to your financial advisor about.

#5 Consider A Home Income Scheme A home income scheme is another type of product where the money from a lifetime mortgage is used to buy an insurance policy that provides a guaranteed income for the rest of your life.

#6 Look At A Reversion Scheme This is where you sell all or part of the value of your home to a reversion company in return for either a cash lump sum or an income. The amount you receive will be less than the value of the proportion you have sold. You can live in your home for the rrest of your life, but you will not be the sole owner and in some cases may have to pay rent. When you die the property is sold and reversion company keeps its share of proceeds.

#7 Check Whether The Product You Have Chosen Is Regulated The Financial Services Authority (FSA) currently regulate lifetime mortgages. If you see a product advertised as a lifetime mortgage, find out exactly what type of product it is. Regulation means advisors and lenders have to adhere to the FSAs strict code of conduct or face heavy penalties.

#8 Think About How House Prices Will Affect You All SHIP members have a no guarantee on their lifetime mortgages. This means that if the price of your house falls you, or your estate, will not have to pay any extra to compensate.

With a lifetime mortgage, an increase in the value of your house can help to offset the interest on your loan. With a reversion scheme the company will take the agreed share of your property regardless of what happens to property prices.

#9 Check You Entitlement To Welfare Benefits A large cash sum could affect your entitlement to state benefits. This will depend entirely upon your financial circumstances and it is an issue you should bring up with your financial advisor.

#10 Check How A Plan Will Affect Your Tax Liability A large lump sum might also affect both your current and future tax situation, but not necessarily for the worse. If your children are looking at a large potential tax bill then releasing some equity in the house now might elevate this. But it is important that you speak to a specialist tax advisor about your personal circumstances. James Copper writes on all areas of finance. He works for http://www.any-loans.co.uk who specialise in secured loans, mortgages and remortgages. ]]> When Does Copyright Expire On My Music? http://www.artwoo.com/article/when-does-copyright-expire-on-my-music http://www.artwoo.com/article/when-does-copyright-expire-on-my-music#comments Sat, 02 Jun 2007 14:24:59 +0000 copyright musiccopyrighted musicmusic worksthis means thatfreelance journalistlifetimeworry http://www.artwoo.com/article/when-does-copyright-expire-on-my-music copyrighted music isn't something you have to about, at least not in your . The music that you've written is copyrighted the moment you've put it onto paper or recorded it. The reason you don't have to worry about expiration is because the music is protected until 70 years after the death of the author. In the case of your music, that author would be you.

This rule about expiration was first put into place so that the families and heirs of an author could still earn royalties even after his or her death. Ultimately if you've taken the steps to copyright your music and have registered the copyright, then your music will be protected throughout your lifetime until 70 years after you or the last surviving author (assuming a collaboration) is deceased.

Copyright music expiration is not something you should make a primary concern unless you are having issues of someone respecting and/or honoring your copyright at the moment. You should take comfort in the fact that as long as you are alive you are the only one who can assign your copyright to another person; and as long as you haven't given up your ownership of the music it still belongs to you.

This is different, however, if your copyrighted music was work "made for hire." If that is the case then you cannot have ownership of the music, as it never legally belonged to you, but the person or entity who hired you to produce the music. Works made for hire have different copyright music expiration than those owned by the creator. With works made for hire, the copyrights are in effect for 95 years from the original publication date or for 120 years from the creation of the work, whichever of the two is shorter. Brian Scott is a who covers copyright law for http://www.ResearchCopyright.com. ]]> What is Keyword Elite-Is it a Powerful Keyword Research Tool? http://www.artwoo.com/article/what-is-keyword-elite-is-it-a-powerful-keyword-research-tool http://www.artwoo.com/article/what-is-keyword-elite-is-it-a-powerful-keyword-research-tool#comments Thu, 03 Jul 2008 23:15:17 +0000 keyword research toolkeyword research toolslifetime updateslifetime upgradeselite teamkeyword generationarticle marketing http://www.artwoo.com/article/what-is-keyword-elite-is-it-a-powerful-keyword-research-tool keyword research tool which is also a tool, called Keyword Elite. If you have never heard of this keyword research tool then you are probably wondering what all the fuss is all about.

With this is mind I am going to tell you just a little bit about some of the new features that this keyword research tool has added to the latest update of Keyword Elite. I am also going to include some general information regarding what and why Keyword Elite is a powerful keyword research tool!

For starters, as if this keyword research tool was not already extremely powerful enough, the Keyword continues to add more to it, which you get for free because this software comes with . Anyway, here is a brief list of what this keyword research tool, Keyword elite, can do for you and your online marketing business:

1. When using the Keyword Elite, a keyword research tool you can easily generate keyword lists of over 10,000 keywords in a matter of minutes.

2. This keyword research tool allows you to find extremely profitable, high-paying Adsense keywords.

3. This keyword research tool, Keyword Elite, will Analize your Pay Per Click competition to find exactly which keywords are making the them the most money, and which ones are losing them most money. Kind of handy and time saving!

4. With the use of this keyword research tool, Keyword Elite you can look at how competitive your market is in terms of the organic search engine listings, as well as Pay Per Click listings. Excellent for use with .

5. The Keyword Elite research tool comes with ! Which means you continue to get updates for your software and it is never outdated.

* Plus there are way too many useful tools than I can ever list here, and I keep hearing about more new ways being discovered every day.

What caught my eye was the several demonstration videos at the Keyword Elite website which shows you exactly what this keyword research tool can do for you, I highly recommend that you take a few minutes away from whatever you are doing right now, and go watch these videos. These keyword research tool videos will blow you away! Why, because I never expected to see what I saw and I cannot even come close to explaining what Keyword Elite does in action. If you do any online marketing this kind of information is priceless.

I personally guarantee you've NEVER seen anything quite like this keyword research tool before!

Okay then, lets wrap this up. With this keyword research tool you generate a keyword list instantly. Find extremely profitable Adsense Keywords. Analyze your Pay Per Click Competition using Keyword Elite, and you get to Spy on your competition! Best of all, this keyword research tool, Keyword Elite, has lifetime upgrades, unreal!Did you find this info on The Keyword Elite, a powerful keyword research tool useful? You can learn a lot more about how this powerful keyword research tool can help you Dominate your Market HERE!]]> Passive Residual Income-Work Once, Make Income Continuously http://www.artwoo.com/article/passive-residual-income-work-once-make-income-continuously http://www.artwoo.com/article/passive-residual-income-work-once-make-income-continuously#comments Wed, 13 Aug 2008 04:43:26 +0000 phone cable internetresidual income affiliate programpassive residual incomecable internet providerhigh quality productssign upscontinuous income http://www.artwoo.com/article/passive-residual-income-work-once-make-income-continuously Passive residual income is one of the greatest sources of income you could ever earn in your lifetime. It is so simple to earn, yet so profitable. You make one sale and get paid for the lifetime of that customer. Passive residual income is most commonly seen with membership sites and even your phone company. Let me give you a prime example of passive residual income. Let's say your phone/cable/internet provider is Comcast. They get you to sign up one time for there service but they make off of you for as long as you stick with them. They do the work one time and get paid for the lifetime of your being their customer. That is what passive residual income is in a nutshell and that is what you should be aiming for every single time.

The great thing about passive residual income is that there are minimal start-up costs. You need to take a look a to start earning you some serious cash. The best piece of advice to you is to head on over to WealthCreationNews and find a membership site worth selling. You need to make sure the product or service that you are promoting is unique and worth selling to your potential customers.. Products or services should be noticeable among others having logically priced high-quality products that your potential customers will enjoy.

Passive residual income works just like clockwork. You get 1 sign up and BOOM you make money continuously for the lifetime of that customer. You honestly can't beat it and I personally would never waste my time again just selling individual items. This is where the money is at and just to sell individual items through affiliate marketing definitely isn't worth it.

If you start by investing your time in earning passive residual income on all items you sell, you will be making a consistent income month after month and not ever have to worry about cash flow again. Imagine getting 50 at 50 dollars a piece rolling in per month. That is a hefty some of money and in 6 months or less you can easily be there with little or no effort at all.



Most people starting out can earn 6 figures a year in less than a YEAR! It is truly one of the best businesses in the entire world and you can earn every penny right in the comfort of your OWN HOME. Isn't it everyone's dream to own their own business and work from home? Well now you can with earning passive residual income. There should be no excuse in not finding a job working from home. Most people cannot comprehend how valuable it is working from home. It frees up so much time and you will have plenty of time now to spend with your loved ones and family. You can take the vacations you always dreamed about anytime you feel like it! I wish you the best of luck down your road to success!Are you tired of not making any money online?andnbsp; Learn the power of a well-established passive residual income opportunity and what it can do for you.andnbsp; Residual income is the BEST way to start creating wealth online today.andnbsp; Visit www.wealthcreationnews.com to learn how to become wealthy today!]]> Crash in Stock Market - Once in a Lifetime Opportunity? http://www.artwoo.com/article/crash-in-stock-market-once-in-a-lifetime-opportunity http://www.artwoo.com/article/crash-in-stock-market-once-in-a-lifetime-opportunity#comments Tue, 02 Dec 2008 12:36:24 +0000 stock market advicestock market crashstock market stockstock market reportstock market pricescontrol fearprofessional investors http://www.artwoo.com/article/crash-in-stock-market-once-in-a-lifetime-opportunity Stock Market prices have been slashed" or "The es again". Never before in my life have I heard such out of and reporting on a stock market crash. Stock market crashes have happened before and I can promise you that they will happen again but is this the worst crash in the stock market that we have ever seen? If you ask the media "YES" but to be honest I don't really care. I think we should focus more on how to deal with it rather than just getting ourselves stressed and fearful.

When are we going to see the headline?

'Crash In Stock Market -- Once In A Lifetime Opportunity?

Because in reality this is exactly what it is? There are two main way to take advantage of this Crash in the stock market.

1. Understand how to make money from a falling market. You can pay for every etc. but I think you would all agree that for the past few months anyone could have seen that the market was in a severe down trend. So without any you would have had a good idea that the stock market would continue to crash. What you probably don't know is that it is very easy to take advantage of this and make truck loads of money. In fact love it when they see headlines such as 'Crash In stock Market' because the market moves so quickly. Professional investors make more money during stock market crashes than at any other time. Why because they know how to take advantage of a Crash in the stock market.

I can hear you saying "how do you take advantage of a stock market crash?" Quite simply you buy 'put options' or as some people call it 'insurance'. I like to describe it like buying insurance for a car that you don't own -- then when the car has an accident and looses half of its value the insurance company gives you half of the cars value in cash. I know it is a slightly weird concept but this is exactly what lots of people are doing. The best thing is that is completely legal and very easy. Could you imagine being able to buy insurance on a car that you don't own once you already know that the person who is driving that car is blind and loves going fast? It is almost too good to be true.

2. The second way to take advantage of a crash in stock market prices is to simply buy when everyone else is selling. Now this is slightly scarier because even though some shares are worth half of what they were last year they still might keep falling. So you must be willing to go through some short term pain. If you are willing to do this then the 2008 Stock market crash may truly be a once in a lifetime opportunity.Would you like to learn how to not only survive the 2008 Stock Market Crash but actually profit from it? SharesPropertyMoney.com is giving away a Free Investment DVD that will show you how to make huge returns from the 2008 Stock Market Crash Learn an amazing Stock Market Investment Strategy that everyday people are using to produce HUGE returns.]]> Motivation To Lose Weight http://www.artwoo.com/article/motivation-to-lose-weight http://www.artwoo.com/article/motivation-to-lose-weight#comments Fri, 11 Jan 2008 07:25:00 +0000 motivation to lose weightproper motivationweight loss goalinner strengthnegative thinkingright toolsrest of your life http://www.artwoo.com/article/motivation-to-lose-weight motivation to lose weight, well that's not so easy. There are many reasons to take on the challenge ahead, a challenge many fail at every day. If you approach this decision with the and the , you will achieve your . I promise you it will be a life-changing experience, one that will empower you and teach you to succeed and prosper in many of the decisions and challenges you will face in the .

You don't need to be lectured on the benefits of losing the weight. You already know your health and quality of life will drastically improve. Your energy and self-esteem will radiate from you. You know you can be the person that you know is inside you. You also know that by achieving your goal you will be able to meet any challenge ahead. By incorporating the benefits into your thoughts you will be able to sustain the motivation to lose weight.

One thing you have to remember every minute of the day. You have this within you "The To Achieve Your Goal". This is true for any goal you set for yourself. Most people, including myself, barley scratch the surface of our ability and strength.

Inner strength, yes we all have it but it is suppressed to the point that we don't know it is there. Doubts, fear and a lifetime of negative unproductive thinking keep us operating far below our capabilities. There are very few people who are supported and encouraged to achieve there goals. We can't count on other people to tap into that inner power that we all have. Even if we did, it wouldn't last. Our inner strength will last a lifetime if it comes from within.

To release the inner strength needed to sustain the motivation to lose weight involves some mental reprogramming. Taking years of tired old unproductive and replacing them with powerful, success driven thinking. By installing these new attitudes and new beliefs you will have the ability to achieve any goal that you set for yourself.

Here is a Tip=85when installing these new attitudes and beliefs, always use an affirming phrase.

Use phrases like "I am going to eat for the future I want for myself" or "I am packing a lunch today for my health." Keep your affirming phrases and focus on the day ahead, not the ultimate goal.

I know this sounds too simple to have any effect, but if you incorporate the thinking that projects the attitude and outcome you want to achieve, your mind will push out your old thinking patterns. This will allow these new thoughts to be the dominate influence in your life. You will be one of the few people that will be able to tap into your inner strength. You will have the ability and motivation to lose weight, to reach higher, and go farther. Your life will never be same again. You can break unproductive and destructive "thought barriers" in motivation, self esteem, health, confidence and much more. You can literally install mental reprogramming for a lifetime of success and achievement. For More Information Visit http://www.ThinkSwap.com ]]>