Criticism of mutual funds

Criticism of mutual funds.


While mutual fund investing has exploded over the past 50 years to become one of the most popular forms of investing anywhere, there are still possible pitfalls that you can fall into if you’re not careful.

Investing is still a risky business, even if everyone is doing it.

Here are some tips to help you through any problems you might have.

One common criticism of mutual fund investing is that they don’t have a high enough return on their investment and that index funds, which aren’t as popular have historically returned a higher investment than the much more popular actively managed mutual funds.

A second common problem that some have with mutual fund investing is the use of load funds.

You have probably seen the phrase “no-load mutual fund” in the newspaper or on television.

The reason the no-load type of fund is preferred is because load funds come loaded with fees.

These fees can run anywhere between half a percent, all the way up to 8.5 percent of however much you chose to invest.

It’s thought that these fees are a clear conflict of interest as they clearly benefit the people making the sale and hurt the person making the investment.

Load mutual funds are also thought to make your broker recommend funds that will maximize his fee, and not your investment portfolio.

Some investors also point to a perceived conflict of interest in regards to the size of the mutual fund.

Most companies that manage the mutual fund charge a fee of between half a percent up to two and a half percent of the total amount of the funds assets.

It’s thought that this fee could cause a fund to spend more on advertising than is actually needed so that they can get more people to invest in the fund and maximize their fee as much as possible.

The mutual fund market isn’t immune to scandals, either.

In 2003, a scandal involving the practice of unethical and dishonest trading practices.

Many funds were found to have participated in late trading and market trimming, both of which are illegal practices.

You obviously don’t want to invest in a mutual fund that is engaged in illegal activities.


Mutual fund investing is gaining in popularity on an almost weekly basis, and a few bad eggs in the business won’t ruin it for everyone.

However, it is always good advice to enter into any kind of investing with your eyes open, and if you feel your mutual fund is behaving improperly, there are authorities you can report them to.



John Caldecott.

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Mutual Funds

Mutual Funds

College vs. Retirement

For most people, investing in mutual funds is pretty straight forward.

You have specific goals that need to be met.

You and your partner are approaching mutual fund investing with your eyes open and you’re both on the same page.

Granted, she may want that pretty cottage down by the lake and you want that new speedboat, but both your goals involve water, and that’s close enough for you.

But what if you’re in a completely different boat?

What if you know you need to invest, but you have two equally important goals pulling you two different ways?

This is the case with thousands of parents who see the need to save for retirement but also want to save for the kids’ college education.

How can you do both at the same time?

Here are a few tips.

One of the biggest factors in the college vs. retirement battle is

the fact that people are putting off having kids until later in life

these days.

Fifty years ago, this wasn’t the case, and saving for both college and


retirement usually happened during two distinctly different phases in one’s life.

These days, now that we realize that saving for retirement is something that should be started when you’re 18, not 48, the

two overlap more than ever.

The gut instinct of most parents is to put the kids’ future ahead of their own and cut back on retirement savings in favour of college.

While this is a popular choice, it really only should be a last resort.

A technique that is becoming more and more popular with parents who face saving for both at once is offering your prospective college student the chance to get matching funds from you.

This is simply the idea that for every dollar they pay for, you’ll match it.

If your not sure how junior will pay for half, remember, there are many ways for teenagers to save for college themselves.

Almost everyone qualifies for student loans, there are scholarships for good grades as well as an after school and summertime job.

Most college students work while they are attending classes, as well.

While walking the tightrope of saving for two goals at once can be stressful, a logical and determined approach to the situation is really the only way to go.

Choosing retirement over your kids’ education isn’t a “wrong” choice, and neither is choosing college over retirement.

Everyone’s situation is different and you need to make the right choice for your situation.

John Caldecott.

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Cape Town World Cup Transport how to Get to the GreenPoint Stadium..

               

Get to the GreenPoint Stadium">Cape Town World Cup Transport - How to Get to the GreenPoint Stadium

                April 30th, 2010  by tazfm

               

                    Cape Town World Cup Transport - How to Get to the GreenPoint Stadium

At last, official information is available on Shuttles, Park-and-Ride and

Walkways to reach the Cape Town Stadium on match days - hot-off-the-press from a

networking session with Cape Town City management!

In a nutshell:

If you are thinking of travelling in a private vehicle to the Stadium, there
is no way this will be permitted.

Furthermore, if you are thinking of using private tour operators, unless they
have registered and gained accreditation with the appropriate FIFA
organisers, the same restrictions to access apply.

So…Here are tips on how to get there… (worth mention is that most
of the transport options are free with a soccer ticket).

Shuttles:

Stadium Shuttles operate between the main transport hub at the Cape Town

Civic Centre and two loading points at the stadium.

Shuttles will operate from 4 hours before an event until 4 hours after the
time of the final whistle.

Use ofthis shuttle is free with a match ticket.

Special Needs Shuttle:

This shuttle will operate from the main Civic Centre transport hub directly
into the stadium grounds, for the use of those with mobility impairments
and accompanied by one carer only.

Contact transport.info@capetown.gov.za to book a place on this shuttle.

Airport Shuttle:

The Airport Shuttle will operate daily and take people to
the main Civic Centre transport hub, from which they can take another shuttle to
the stadium on match days, or link onto an Inner City Shuttle to get to various
parts of the city.

This airport shuttle costs R50 p.p. one way and is integrated
with flight schedules to run every 6 to 30 minutes.

Inner City Shuttle:

These operate on 4 circular routes around the inner city.

The cost of this shuttle is R8 per trip or based on distance travelled.

There are several shuttle pick-up points on the circular route so that visitors can

get around the city.

These route maps will be available on the Cape Town City
website under 2010/ Getting around.

These routes include:

# Civic Centre to Waterfront and Sea Point* along the Atlantic seaboard to

Queens beach - cost based on distance travelled;

# Inner City Bowl area* - cost R8 per trip and scheduled every 10- 30 mins;


/>
# UCT to the Civic centre (on match dates only) - Cost free of charge with match
ticket;

# Atlantic seaboard service (on match dates only):

Houtbay to Granger bay.
This is a pay as you go service based on the distance travelled.

Please note: this is good news for those travelling from Houtbay
as this shuttle goes directly to the stadium - no need to go to the
Civic Centre hub!!

* On non-match days and after the World Cup, the Inner City Shuttles will
continue to operate as a Hop-On Hop-Off system to get around our beautiful
city.

Park-And- Ride: Transport to the city includes 25 Metro Rail stations with

Park-and-Ride facilities.

10 of these stations, specially identified as World Cup Park-and-Ride

stations, will have additional parking facilities, event related activities,
refreshments, lighting, toilet facilities and security until 12h30 or 01h00 on match days.


All train tickets are free, on the date of your soccer ticket.

So the key is to find Cape Town holiday accommodation near these 10 stations:

These Metro Rail stations are Fishhoek, Retreat, Ottery, Claremont, Goodwood,

Century City, Brackenfell, Oostersee, Kuilsriver and Strand.

For additional information, contact the Call Centre: 0800 656463

Walk to the Stadium: The anticipated Fan Walkway from the Civic Centre is

about 2.5km and is still under construction, but when completed will be a very

attractive and safe route. With all things considered, this is possibly the best

option to take as it avoids queues and waiting for the Civic Centre shuttle.

Walking will take you less than 30 minutes.

Tour Operators will be able to find parking space at designated areas in the

CBD near the main Civic Centre transport hub. Tour groups are encouraged to use

the Hospitality or Match packages that will facilitate integration of transport

on various accredited shuttles.

To Summarise

This will be a spectacular event with all the fanfare and razzmatazz of doing

something new and exciting - not to speak of being LOUD.

Enjoy the ride………. and plan ahead to make sure that you

take jackets, raincoats and some of your own favourite refreshments to make the

journey easier as there will be queues and delays. Remember that no refreshments

will be permitted into the stadium, and rumour has it that you shouldn’t

carry a pointed umbrella as this may be classed as a weapon!!!


Watch this space for more information as the final touches are put together

to make this World Cup a grand event. The structure of transport arrangements of

the city are still in transition and will be evaluated at each of the remaining

test events at the stadium.

Browse business and holiday accommodation in and around Cape Town South

Africa.

Find Cape Town holiday accommodation that is perfect for FIFA World Cup with

http://www.capeplace2stay.co.za Book direct with the guest house owner for self

-catering or bed and breakfast (B&B) apartments, cottages and boutique

hotels at budget prices.

Article Source: http://EzineArticles.com/?expert=Tessa_Du_Toit

John Caldecott

bmi Special Offers.


/>
View our special offers now. Low fares on many routes worldwide. Book now for

competitive fares.

width="1" height="1">

               

Take care of Your body!

Even though vitamins are generally good for you, and you might have no cause to think that there may be dangers. Associated with using too much vitamin supplement or too many vitamins, there are certain dangers that might come.

Along with using too much in general. If you are going to be responsible and truly understand what you are putting in your body, you should know that indeed too many vitamins and supplements might actually cause you problems.

However, it is important to know how much you should be using at any given time. Dangerous results are real. For instance, if you have too much vitamin D in your system, you might be causing yourself kidney damage. Vitamin D is generally good for you, so it is simply a matter of knowing your limits and knowing how much you should take.

Don't think that just because the supplement bottle says to take one a day that you will be better off or increase the results you want by taking more than that. That is simply not true - you will actually be causing yourself harm if you take more than you are supposed to be taking. Vitamin A commonly has the same results. Liver damage is very series and can cause many other problems, resulting in death.

If you are taking regular doses of niacin, you should know that you might experience flushing and stinging of the skin. This is natural, and a side effect that can be managed. However, if you take too much niacin, you might be causing heart and liver problems for yourself. Once again, it's simply an issue of only taking the recommended amount.

Mineral supplements can be dangerous too. Even if you are just increasing some of your mineral intact by a modest amount, you might be finding that this is leading to imbalances in your body's ability to use other types of minerals. If you take more than just 5 times the recommended doses of supplements such as iron, chromium, zinc or selenium, it can actually be a toxic event for your body. Almost every kind of vitamin and mineral can end up being toxic if you take too much.

Therefore, you should know that while vitamins and supplements are generally good for you, there are many times that these could actually become harmful, especially if you take more than is recommended to take during the day.

For those reasons, you should simply be careful to only take what is recommended each day, and not more.

http://articles-tazfm.blogspot.com/

Help prevent Heart Attacks and More...

Article Source: http://EzineArticles.com/?expert=John_Caldecott

My Wife and my Mate!!

Very Very Sadly My Wife - MILLIE- Passed away 29 Dec 09. She fought as much as she could but lost in the end. She was a Wonderful Wife and Mother. I will miss her so so much. She was everything to me! I love you Mill. XXX

Millie's Aneurysim Repair

Millie had her stents installed on Oct 1st - Almost 3 months she's been in Hospital -
but she's doing a bit better now. She suffered a Minor Heart Attack and a Spinal
Stroke during the procedure (which took 13 1/2 hours).

She's strong so I think she'll pull thru' OK.
Once she can walk again and gets her eating back up to par.

The staff at Manchester Royal Hospital have all been great.
Godbless them.
And you guys.
John.

Aneurysm!

My Wife has a: Large Thoracic Abdominal Aneurysm and has to go for Pre-opp tests.
Has anyone had or know anything about the Opperation and after care - or Anything
related to this??

Thank's in advance for anybody's reply.
John.

http://www.google.co.uk/search?hl=en&ei=dLWWSd_SO-LEjAeyo53QAQ&sa=X&oi=spell&resnum=0&ct=result&cd=1&q=thoraco-abdominal-aneurysm&spell=1

http://cardiacsurgery.ctsnetbooks.org/cgi/content/full/2/2003/1169?ck=nck
http://emedicine.medscape.com/article/424904-overview

http://cardiacsurgery.ctsnetbooks.org/cgi/content/full/2/2003/1169?ck=nck#CLINICAL_PRESENTATION

SUCCESS:

SUCCESS:

At age 4 success is . . . . not piddling in your pants.
At age 12 success is . . . having friends.
At age 17 success is . . having a driver's license.
At age 35 success is . . . .having money.
At age 50 success is . . . having money.
At age 70 success is . .. . having a drivers license.
At age 75 success is . . . having friends.
At age 80 success is . . . not piddling in your pants.

How do I get rid of the "Blue Screen" (of death)

Is there a Tech Person out there who can help me get rid of a Blue Screen on my laptop?

It happened a couple of weeks ago, my Son had just installed an update for Vista which was an Automatic download thru' Microsoft, and after the installation a Blue Screen appeared saying "Windows has found a problem and has shut down so as not to cause further problems (or words to that affect).

Anyway my Son Joe (he has built a few Desktop computers and knows how to do that pretty good) but he can't fix this Blue Screen problem other than to replace the Hard Drive and reinstall the Operating software - (which he has done) and he was/is going to try to get my Files and Data off of the old Hard Drive by useing another computer (his) and a different operating system.

My Question is: Does anyone know how to get rid of this Blue Screen any other way??

Thank's, John.

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Emails

Remember all those emails we get throughout the years?

Here are just some of them...

Dear All

I wanted to thank you all for the e-mails you have forwarded over the year


I must send a big thank you to whoever sent me the one about rat pooh in
the glue on envelopes, because I now have to use a wet sponge with every
envelope that needs sealing.

Also, I now have to wipe the top of every can I open for the same reason.

I no longer have any savings because I gave it all to a sick girl (Penny
Brown) who is about to die in the hospital for the 1,387,258th time. But
that will change once I receive the £15,000 that Bill Gates/Microsoft are
sending me for participating in their special email programs. Or from the
senior bank clerk in Nigeria who wants me to split seven million dollars
with me for pretending to be a long lost relative of a customer who died
intestate.

I no longer worry about my soul because I have 363,214 angels looking out
for me.

I have learned that my prayers only get answered if I forward emails to
seven friends and make a wish within five minutes.

I no longer drink Coca-Cola because it can remove toilet stains.

I no longer can buy petrol without taking a friend along to watch the car
so a serial killer won't crawl in my back seat when I'm filling up.

I no longer go to shopping centres because someone will drug me with a
perfume sample and rob me.

I no longer answer the phone because someone will ask me to dial a number
and then I'll get a phone bill with calls to Jamaica, Uganda, Singapore and
Uzbekistan.

I can't use anyone's toilet but mine because a big brown African spider is
lurking under the seat to cause me instant death when it bites my bum.

I can't even pick up the £5.00 I found dropped in the car park because it
probably was placed there by a sex molester waiting underneath my car to
grab my leg.

If you don't send this email to at least 144,000 people in the next 70
minutes, a large dove with diarrhoea will pooh on your head at 4:00pm
tomorrow afternoon and fleas from 12 camels will infest your back, causing
you to grow a hairy hump.

I know this because it actually happened to a friend of my next door
neighbour's ex-mother-in-law's second husband's cousin's beautician.

By the way....a South American scientist after a lengthy study has
discovered that people with low IQ who don't have enough sex, always read
their emails while holding the mouse.

Don't bother taking it off now, it's too late.

John.
Free Domain Name

Blog Success

Have you ever wondered how pro bloggers keep
up with all the information flying around in
their market niches? I've always thought the
task of grabbing constant, up to date market
intel was a pain.

At the same time, I know what it means to
know everything your market is talking
about, asking about, frustrated about, and,
what your competition is up to,
minute-by-minute.

There's a new free tool out called Blog Talk
Monitor where you can "watch" the
information in your market float by on your
desktop.

Think of the power of knowing exactly what's
going on all around you in your niche at the
push of a button!

You should play with this software today and
see how powerful it is. I can't believe the
stuff I am finding with it!

Blog Success

John.
Free Domain Name - with Web Hosting
Leave a Comment Please.

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Free Domain - with Web Hosting Pack!


Yep - I,ll give You a Free Domain Name -

Simply for reading this - with Every Web Hosting pack!
Just go to: Free Domain

Godbless, John.
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Christmas Story...

Christmas Story - an antidote to all that mushy stuff...

A Christmas Story for people having a bad day:

When four of Santa's elves got sick, the trainee elves did not produce
toys as fast as the regular ones, and Santa began to feel the
Pre-Christmas pressure.

Then Mrs Claus told Santa her Mother was coming to visit, which
stressed Santa even more.

When he went to harness the reindeer, he found that three of them were
about to give birth and two others had jumped the fence and were out,
Heaven knows where.

Then when he began to load the sleigh, one of the floorboards cracked,
the toy bag fell to the ground and all the toys were scattered.

Frustrated, Santa went in the house for a cup of apple cider and a shot
of rum.. When he went to the cupboard, he discovered the elves had
drank all the cider and hidden the liquor. In his frustration, he
accidentally dropped the cider jug, and it broke into hundreds of
little glass pieces all over the kitchen floor. He went to get the
broom and found the mice had eaten all the straw off the end of the
broom.


Just then the doorbell rang, and irritated Santa marched to the door,
yanked it open, and there stood a little angel with a great big
Christmas tree.
The angel said very cheerfully, 'Merry Christmas, Santa. Isn't this a
lovely day? I have a beautiful tree for you. Where would you like me to
stick it?'

And so began the tradition of the little angel on top of the Christmas
tree.

John Caldecott


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Watch Jim Edwards 2009 Predictions & Trends Vìdeo:

Jim knows what he's talking about:
Watch Jim Edwards 2009 Predictions & Trends Vìdeo:

Godbless, John.

Let Your Blogs Grow On Autopilot Now

Let Your Blogs Grow On Autopilot Now!

Does Prospect Response deliver responsive prospects?

Product Review: Does Prospect Response deliver responsive prospects?


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Make 300 Dollars a Day - Min!

Your roadmap to success is finally here!

It has been just 9 short months since the launch of Matthew Myers’s Power Cash Secret, and what an

incredible 9 months it has been. Matthew has already helped 837 of his 1500 members make an additional

steady income of $5,000 or more per month online.

When Matthew first launched the Power Cash Secret back in April, he decided to close the door to new

members after the first 1500 participants to ensure the 1 on 1 type of mentoring they were promised. This

proved to be a good decision and really gave all of his members the biggest advantage to make money

online. Power Cash Secret filled its members area to the 1500 members in just 3 short days, and just 4

months after that 837 members are earning a substantial amount of money online and the other 663 members

are earning extra money and are well on their way to doubling their income in 2009!

Success

After helping more than half of his members increase their monthly income so drastically in just 9 short

months he decided to open the doors once more to the next 300 members. This is the last time Matthew is

going to open the doors to Power Cash Secret and he has guaranteed that these 300 members will have the

same results as his previous 837 members! Because of the previous success with this system, the remaining

300 spots will fill up fast, so don’t miss your chance to get in and start making the same type of easy

online money as his current members.

Matthew has proven that his Power Cash Secret will work for ANYONE. He had helped his family change their

lives before he decided to publish his secrets and has helped hundreds after releasing his system to the

public. This is your ONLY chance to become another one of his success stories and make 2009 your

wealthiest year ever!

Success

Still don’t want to take the steps to make thousands online? Read these email testimonials from a few of

Matthew’s members…

“I’ll admit I was skeptical at first, but after buying your program and reviewing it I realized how

simple it actually was, then when I put all of your secrets to work the money actually did start pouring

in within just a couple of hours, and now here I am a little over three months later and I am making more

money online then I ever expected. I can’t thank you enough!” Written by Samantha, from: Nashville, TN

“I am so excited about continuing to use your strategies online. I purchased your product on the launch

day and later that night I had already made money. I continued to put your strategies to work and though

I had a few setbacks you and your team really motivated me and helped me to keep going and now I am

making more online than at my full time job.” Written by Greg, from: Bay City, MO

There are only 300 spots available and I can promise you that they will fill up in no time, so if you are

ready to make 2009 your most successful year I urge you to not waste time and secure your membership now!

Success

John.
Make 300 Dollars a day Min!
Free Domain Name with Web Hosting

Your roadmap to success is finally here!

It has been just 9 short months since the launch of Matthew Myers’s Power Cash Secret, and what an

incredible 9 months it has been. Matthew has already helped 837 of his 1500 members make an additional

steady income of $5,000 or more per month online.

When Matthew first launched the Power Cash Secret back in April, he decided to close the door to new

members after the first 1500 participants to ensure the 1 on 1 type of mentoring they were promised. This

proved to be a good decision and really gave all of his members the biggest advantage to make money

online. Power Cash Secret filled its members area to the 1500 members in just 3 short days, and just 4

months after that 837 members are earning a substantial amount of money online and the other 663 members

are earning extra money and are well on their way to doubling their income in 2009!

Road Map to Success

After helping more than half of his members increase their monthly income so drastically in just 9 short

months he decided to open the doors once more to the next 300 members. This is the last time Matthew is

going to open the doors to Power Cash Secret and he has guaranteed that these 300 members will have the

same results as his previous 837 members! Because of the previous success with this system, the remaining

300 spots will fill up fast, so don’t miss your chance to get in and start making the same type of easy

online money as his current members.

Matthew has proven that his Power Cash Secret will work for ANYONE. He had helped his family change their

lives before he decided to publish his secrets and has helped hundreds after releasing his system to the

public. This is your ONLY chance to become another one of his success stories and make 2009 your

wealthiest year ever!

Road Map to Success!

Still don’t want to take the steps to make thousands online? Read these email testimonials from a few of

Matthew’s members…

“I’ll admit I was skeptical at first, but after buying your program and reviewing it I realized how

simple it actually was, then when I put all of your secrets to work the money actually did start pouring

in within just a couple of hours, and now here I am a little over three months later and I am making more

money online then I ever expected. I can’t thank you enough!” Written by Samantha, from: Nashville, TN

“I am so excited about continuing to use your strategies online. I purchased your product on the launch

day and later that night I had already made money. I continued to put your strategies to work and though

I had a few setbacks you and your team really motivated me and helped me to keep going and now I am

making more online than at my full time job.” Written by Greg, from: Bay City, MO

There are only 300 spots available and I can promise you that they will fill up in no time, so if you are

ready to make 2009 your most successful year I urge you to not waste time and secure your membership now!

Road Map to Success!

John.
Free Domain Name with Web Hosting.

Make 300 Dollars a day - Minimum!

Let Your Blogs Grow On Autopilot Now!

Eliminate Anxiety and Panic Attacks For Good

Eliminate Anxiety and Panic Attacks For Good

If you suffer from...

* Palpitations

* a pounding heart, or an accelerated heart rate

* Sweating

* Trembling or shaking

* Shortness of breath

* A choking sensation

* Chest pain or discomfort

* Nausea or stomach cramps

* Derealization (a feeling of unreality)

* Fear of losing control or going crazy

* Fear of dying Numbness or a tingling sensation

* Chills or hot flashes

...then you've experienced firsthand some of the possible symptoms of a panic or anxiety attack. If you

are reading this page because a loved one suffers from these symptoms and you are trying to understand or

help, it's hard to appreciate what they go through.

Just try to imagine what it feels like to experience one, if you can.

Here is a typical example:

Standing in a supermarket queue, it’s been a long wait but only one customer to go before you make it to

the cashier. Wait, what was that sensation? An unpleasant feeling forms in your throat, your chest feels

tighter, now a sudden shortness of breath, and what do you know—your heart skips a beat. “Please, God,

not here.”

A quick scan of the territory—is it threatening? Four unfriendly faces queue behind, one person in front.

Pins and needles seem to prick you through your left arm, you feel slightly dizzy, and then the explosion

of fear as you dread the worst. You are about to have a panic attack.

There is no doubt in your mind now that this is going to be a big one. Okay, focus: Remember what you

have been taught, and it is time now to apply the coping techniques. Begin the deep breathing exercise

your doctor recommended. In through the nose, out through the mouth.

Think relaxing thoughts, and again, while breathing in, think “Relax,” and then breathe out. But it

doesn’t seem to be having any positive effect; in fact, just concentrating on breathing is making you

feel self-conscious and more uptight.

Okay, coping technique 2:

Gradual muscle relaxation. Tense both shoulders, hold for 10 seconds, then release. Try it again. No;

still no difference. The anxiety is getting worse and the very fact that you are out of coping techniques

worsens your panic. If only you were surrounded by your family, or a close friend were beside you so you

could feel more confident in dealing with this situation.

Now, the adrenaline is really pumping through your system, your body is tingling with uncomfortable

sensations, and now the dreaded feeling of losing complete control engulfs your emotions. No one around

you has any idea of the sheer terror you are experiencing. For them, it’s just a regular day and another

frustratingly slow queue in the supermarket.

You are out of options. Time for Plan C.

The most basic coping skill of all is “fleeing.” Excuse yourself from the queue; you are slightly

embarrassed as it is now that it is your turn to pay. The cashier is looking bewildered as you leave your

shopping behind and stroll towards the door. There is no time for excuses—you need to be alone. You leave

the supermarket and get into your car to ride it out alone. Could this be the big one? The one you fear

will push you over the edge mentally and physically. Ten minutes later the panic subsides.

It’s 10:30 a.m. How are you going to make it through the rest of the day?

If you suffer from panic or anxiety attacks, the above scenerio probably sounds very familiar. It may

have even induced feelings of anxiety and panic just reading it. The particular situations that trigger

your panic and anxiety may differ; maybe the bodily sensations are a little different. Or maybe it

happened to you for the first time on a plane, in the dentist chair, or even at home, while doing nothing

in particular.

If you have ever had what has become known as a “panic attack,” take comfort in the fact that you are by

no means alone.

A panic attack always comes with the acute sense of impending doom. You feel you are either about to lose

your mind or one of your vital bodily functions is about to cease functioning and you will end your days

right there among the canned goods and frozen food.

You are by no means alone; you’re not even one in a million. In America, it is estimated that almost 5%

of the population suffer from some form of anxiety disorder. For some, it may be the infrequent panic

attacks that only crop up in particular situations-like when having to speak in front of others, while,

for other people, it can be so frequent and recurring that it inhibits them from leaving their home.

Frequent panic attacks often develop into what medical physicians refer to as an “anxiety disorder.”

One of the first steps to regaining control of your life is getting helpful information. This site will

give you that, and more.

The beginning of your recovery starts here. What you will learn is that there is a very good chance you

are about to end the cycle of panic attacks in your life. You will learn not only to regain the carefree

life you remember once having, but will also gain new confidence in living. Your answer to living free

from “panic” or “anxiety attacks” is at hand.

This site demonstrates that the panic and anxiety that you have experienced will be the very key to your

courage and success.

Begin the road to recovery by browsing through the site. While many of you may have read almost

everything you can possibly read relating to panic and anxiety I assure you this site offers something

very effective.

Did you know...?

The key difference between someone who is cured of panic attacks and those who are not is really very

simple. The people who are cured no longer fear panic attacks. I’ll try to show you how to be one of

these people as well.

What if I told you the trick to ending panic and anxiety attacks is to want to have one. That sounds

strange, even contradictory, but let me explain.

The trick to panic attacks is wanting to have one-the wanting pushes it away. Can you have a panic attack

in this very second? No!

You know the saying that "what you resist, persists." Well that saying applies perfectly to fear. If you

resist a situation out of fear, the fear around that issue will persist. How do you stop resisting–you

move directly into it, into the path of the anxiety, and by doing so it cannot persist.

In essence what this means is that if you daily voluntarily seek to have a panic attack, you cannot have

one. Try in this very moment to have a panic attack and I will guarantee you cannot. You may not realize

it but you have always decided to panic. You make the choice by saying this is beyond my control.

Another way to appreciate this is to imagine having a panic attack as like standing on a cliff's edge.

The anxiety seemingly pushes you closer to falling over the edge.

To be rid of the fear you must metaphorically jump. You must jump off the cliff edge and into the anxiety

and fear and all the things that you fear most.

How do you jump? You jump by wanting to have a panic attack. You go about your day asking for anxiety and

panic attacks to appear.

Your real safety is the fact that a panic attack will never harm you. That is medical fact. You are safe,

the sensations are wild but no harm will come to you. Your heart is racing but no harm will come to you.

The jump becomes nothing more than a two foot drop! Perfectly safe.

Learn more

http://www.panicaway.com

Joe Barry is an international panic disorder coach. His informative site on all issues related to panic

and anxiety attacks can be found here:

http://www.panicaway.com

This article is copywritten material

The Gorilla Language

The Gorilla Language

A man, visiting the zoo, was standing before the gorilla cage when a gust of wind blew some dust in his eye.

He pulled his eyelid down to dislodge the particle and the gorilla went crazy, bent open the bars of his cage, and beat the guy senseless.

When he came to, the zookeeper asked him what happened.

The man explained and the zookeeper said, "I'm not surprised. You see, in gorilla language, pulling down your eyelid means "F*¢k you."

The man vowed revenge.

The next day, he purchased two large knives, two party hats, two party horns, and a large sausage.

He hurried to the zoo, hid the sausage in his pants, and then went to the gorilla's cage.

He tossed one party hat, one horn, and one knife into the cage.

Knowing that apes are natural mimics, he put on his party hat.

The gorilla saw him, looked at his hat, and put it on.

Then the man picked up his horn and blew it.

The gorilla picked up his horn and did the same.

Then the man picked up his knife, whipped the sausage from his pants, and sliced it neatly in two.

The gorilla looked down at his knife, looked at his crotch, looked at the man, and pulled down his eyelid.

John.
Place Your Free Ad Here!.
Then get Your Free Domain Name.
Make Your 300 Dollars a Day.

Time for a Laugh.

TAKE FIVE.

One day this old lady walks into the doctor's office and is shown

into a room. When the doctor comes in and asks what the problem is

she answers, 'I have awful gas, but it doesn't bother me. You see,

it's completely silent, and doesn't smell at all.'

So the doctor, after examining her thoroughly gives her some pills

and tells her to take one everyday and come back in a week.

So the old lady comes back, and when the doctor asks if her problem

is any better she replies, 'Well I don't know what you gave me but

now my gas smells terribly!'

The doctor replies 'Well now that we've got your sinuses cleared up

let's work on your hearing!'

//////////////////////////////////////
TAKE FIVE MORE.


Twin sisters in a quaint English nursing home were turning 100 years
old and the editor of the local newspaper told a photographer to get
over there and take pictures of the twins.

One of the twins was hard of hearing and the other could hear quite well.

Once the photographer arrived he asked the sisters to sit on the sofa.

The deaf sister said to her twin, 'What did he say?'
Her sister answered, 'We've got to sit over there on the sofa.'

'Now get a little closer together,' said the photographer.

Again one sister asked, 'What did he say?'
The sister with good hearing said, 'He says squeeze together a little.'

So, they wiggled up close to each other.

'Just hold on for a bit longer, I've got to focus a little,' said the
photographer.

Her Sister asked again, 'What did he say?'
Her sister said, 'He's going to focus!'

With a big grin, the deaf twin shouted out, 'Oh my... Both of us?'

///////////////////////////////////////

Tech Support?

Customer: Hi, this is Celine. I can't get my diskette out.
Tech Support: Have you tried pushing the Button?
Customer: Sure! It's really stuck.
Tech Support: That doesn't sound good; I'll make a note.
Customer: No, wait a minute... I hadn't inserted it yet......
It's still on my desk... Sorry....

==================================

Tech Support: Click on the 'my computer' icon on the
left of the screen.
Customer: Your left or my left?

==================================

Tech Support: Good day. How may I help you?
Male Customer: Hello... I can't print.
Tech Support: Would you click on "start" for me and...
Customer: Listen pal; Don't start getting technical on me!
I'm not Bill Gates.

======================================

Customer: Hi, good afternoon, this is Martha, I can't print.
Every time I try, it says 'Can't find printer'. I've
even lifted the printer and placed it in front of
the monitor, but the computer still says he
can't find it...

===================================
Customer: I have problems printing in red...
Tech Support: Do you have a color printer?
Customer: Aaaah....................Thank You.

=============================================
Customer: My keyboard is not working anymore.
Tech Support: Are you sure it's plugged into the computer?
Customer: No. I can't get behind the computer.
Tech Support: Pick up your keyboard and walk 10 paces
back.
Customer: OK
Tech Support: Did the keyboard come with you?
Customer: Yes
Tech Support: That means the keyboard is not plugged in.
Is there another keyboard?
Customer: Yes, there's another one here. Ah...that one
does work...

=============================================

Tech Support: Your password is the small letter "a" as in
apple, a capital letter V as in Victor, the
number 7.
Customer: Is that 7 in Capital Letters?

=============================================

Customer: I can't get on the Internet.
Tech Support: Are you sure you used the right password?
Customer: Yes, I'm sure. I saw my colleague do it.
Tech Support: Can you tell me what the password was?
Customer: Five Stars.

====================================

Tech Support: What anti-virus program do you use?
Customer: Netscape.
Tech support: That's not an anti-virus program.
Customer: Oh, Sorry... Internet Explorer.

==============================================

Customer: I have a huge problem.
A friend has placed a screen saver on my
computer, but every time I move the mouse,
it disappears.

==============================================

Tech Support: How may I help you?
Customer: I'm writing my first e-mail.
Tech Support: OK, and what seems to be the problem?
Customer: Well, I have the letter 'a' in the address, but how
do I get the circle around it?

==============================================

A woman customer called the Canon Help Desk with a
problem with her printer.

Tech Support: Are you running it under Windows?
Customer: "No, my desk is next to the door, but that is a
good point. The man sitting in the cubicle
next to me is under a window, and his printer
is working fine."

==============================================

And last but not least....

Tech Support: "Okay Bob, let's press the control and escape
keys at the same time. That brings up a task
list in the middle of the screen. Now type the
letter "P" to bring up the Program Manager."
Customer: I don't have a P.
Tech Support: On your keyboard, Bob.
Customer: What do you mean?
Tech Support: "P".....on your keyboard, Bob.
Customer: I'M NOT GOING TO DO THAT!

My lot

myLot User Profile

Who's Visiting Your Website

Who's Visiting Your Website and What are They Doing There?

(How to Get the Information You Need to Build a Stronger Internet Marketing Campaign)

Have you ever wondered who is visiting your Website and What they're doing there?

Although it's never a good idea to speak in generalities when it comes to people (after all, we're all as

unique individuals), there are a few basic personality types – and certain common behaviors or

characteristics that you can use to your advantage when it comes to creating your next Internet Marketing

Campaign.

Let's start with the personality types. Based on the "Social Styles" type of personality classification,

you'll find:

Analytical. People in this classification are logical, detail and task-oriented. They want facts.

Expressive. People in this classification are supportive of others, expressive and outgoing. They tend

to go with their guts.

Amiable. People in this classification are loyal, dependable, consistent and hardworking. They like to

dig until they ferret out all the available information.

Achiever. People in this classification are go-getters, driven, forceful and practical. They make

decisions quickly and don't want to waste time.

So how do you design your marketing campaign to meet the needs of all these different personality types –

especially when you're just starting out and money is tight?

The best way is to come up with a plan ahead of time, and provide information in the ways that it will be

best received by the different personality types.

Still confused? Here are some things to keep in mind that will help:

Remember your marketing campaign goals. What do you want your visitors, prospects or customers to do?

(Give you their contact information? Make a purchase?) Make sure that whatever tactics you're using will

help you achieve your goals. And from there, use tactics that will do one of these three things:

Attract visitors to your site. Attraction methods can be anything from articles to videos to blogs to

Podcasts. It can be using social media sites to your advantage or creating a following among readers of

your Blog.

Convert visitors on your site. This means get your visitors to take whatever action you want them to

take. It could mean signing up for your newsletter (giving you their contact information), buying a

product or attending a Teleseminar.

Retain their loyalty. Once you've converted them, you want to keep them happy and coming back for more.

You retain customers by offering an ongoing newsletter, providing some type of customer loyalty program

or even keeping them involved and engaged through social networking sites.



The more you know about who's visiting your site and what they're doing there, the easier this becomes.

There are plenty of ways you can "spy" on your visitors. For example, if you have a Google account (and

if you don't you should – they're free and they offer lots of goodies), you can sign up for Google

Analytics. It's free, and it will give you lots of very valuable intel about visitors to your Website –

such as how people are finding your Website (search engines, direct search and referred from other

sites.) It will tell you what keywords visitors used to find you, what pages they visited, how long they

stayed – even what page they were on when they left. By knowing this information you can increase your

ROI (Return On Investment) for any Internet Marketing Campaign.

Godbless, John.
Free Domain Name


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Beat Driving/Parking Tickets!

What would YOU do right now if your license was REVOKED?
How would you SURVIVE?

It's more than just inconvenient. The impact is enormous. You'd lose your job (or, at best, revert to the horrors of public transport). You'd lose your social life. You'd lose income and local integrity. You'd lose almost EVERYTHING.

And it could all happen just by being caught ONCE going 90 MPH on an empty motorway!

Are you ANGRY?? YOU SHOULD BE! The whole system is a shambles, and you need to protect yourself.

Now, thanks to a retired UK traffic police officer with over 20 years of experience, you can do EXACTLY that...
Just go to:
Driving Secrets
You won't be sorry You did but will if You don't.

John.
Free Domain Name with Web Hosting
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Marketing Plan

Marketing Plan
A sound marketing plan is key to the success of your business. It should include your market research, your location, the customer group you have targeted, your competition, positioning, the product or service you are selling, pricing, advertising, and promotion.

"You're in business to serve a customer need," says Derek Hansen, founder of American Capital Access. "If you're not sensitive to customers, don't know who your customers are, how to reach them and, most of all, what will convince them to buy your product or service, get help."

Effective marketing, planning and promotion begins with current information about the marketplace. Visit your local library, talk to customers, study the advertising of other businesses in your community, and consult with any relevant industry associations. This interactive tool will help you assess your marketing strengths and weaknesses.

Once you have all the necessary information, write down your plan:


1: Define your business

Your product or service
Your geographic marketing area - neighborhood, regional or national
Your competition
How you differ from the competition - what makes you special
Your price
The competition's promotion methods
Your promotion methods
Your distribution methods or business location

2:Define your customers

Your current customer base: age, sex, income, neighborhood
How your customers learn about your product or service - advertising, direct mail, word of mouth, Yellow Pages
Patterns or habits your customers and potential customers share - where they shop, what they read, watch, listen to
Qualities your customers value most about your product or service - selection, convenience, service, reliability, availability, affordability
Qualities your customers like least about your product or service - can they be adjusted to serve your customers better?
Prospective customers whom you aren't currently reaching

3:Define your plan and budget

Previous marketing methods you have used to communicate to your customers
Methods that have been most effective
Cost compared to sales
Cost per customer
Possible future marketing methods to attract new customers
Percentage of profits you can allocate to your marketing campaign
Marketing tools you can implement within your budget - newspaper, magazine or Yellow Pages advertising; radio or television advertising; direct mail; tele-marketing; public relations activities such as community involvement, sponsorship or press releases
Methods of testing your marketing ideas
Methods for measuring results of your marketing campaign
The marketing tool you can implement immediately

The final component in your marketing plan should be your overall promotional objectives: to communicate your message, create an awareness of your product or service, motivate customers to buy and increase sales, or other specific targets. Objectives make it easier to design an effective campaign and help you keep that campaign on the right track. Once you have defined your objectives, it is easier to choose the method that will be most effective.

John.
Free Domain Name with Web Hosting:
http://freesoftwareandebooks.com

Poverty

Poverty affects more people than you may think!
Please click the link below to register your opinions on Poverty.
Thank you, John.

Most videos suck....

Did you realize that
YouTube is now the
#2 most popular site?

With nearly double the
traffic of Google....

(No wonder Google bought
Youtube for 1.6 billion)

http://tinyurl.com/5bkvtm

Face it - Video is one
of the most powerful methods
to deliver your message...But

The problem is............

Most videos suck....
We have all seen bad videos.....
Maybe you have even made one....

And...

As more and more videos are
produced and published online,

The Quality of Your video
will determine the success
of delivering your message.

Discover simple techniques of
Producing High Quality and
Powerful Videos

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Step by Step Videos..That

Show You Exactly how to
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videos....Every time!

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If you are using videos for:

Product reviews
Tutorials
Product help/support sections
Membership concepts
Information products
Commercials
Sales letters
Optin enticements
Newsletters

Then You Already Realize
How Important
Video is to your
Online business.

Make Your Videos Standout
Quality never goes out of style

Go Here Now!
>>> http://tinyurl.com/5bkvtm

Thanks,

John Caldecott
Free Domain Name.


PS-I think he's nut's - But this Lon Naylor Guy
is on a crusade to rid the world of crappy videos,
So he's giving you access to this information for
no cost?????????

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Advertising and Perpetual Earnings

FINALLY!!

Someone has figured out the secret to create an advertising and earning system.

A Top Notch team of Network Marketers with over 30 years experience in network marketing and advertising has figured out how to make the a rock solid system work for you!

Why didn’t someone think of this before?

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Some might think it’s Magic but it’s not. It’s just solid business, math and planning.

Our product is valuable and responsive advertising, not some vaporware, worthless leads or vague promises.

This is the REAL Deal!

Revenue Magic

For active marketers, you can generate HUGE Matching Bonuses and Fast Earnings because the system advertises to get more eyeballs looking at the ads people place. That is a powerful statement. We spend our profits to get more people to view our advertisers ads! A great pull to get more direct referrals and the more you have, the more commissions you’ll earn and the more advertising points you’ll earn too.

Better yet, for Super Affiliates, you’ll be able to participate in up to FIVE (5) levels of Ad Packages that payout as much as $3,200! Now, that’s REAL money.

Even free members can earn! When your direct referrals earn you’ll earn a lucrative matching bonus, too!

This project, RevenueMagic, has something for everyone.

Join now, attend one of our Live Web or Telephone Presentations and learn how you can participate and how the team at Revenue Magic will help you participate in the power of our earning channels over and over and over again.

Thanks and feel free to call me with questions.

Revenue Magic

Godbless,
John Caldecott.

Free Domain Name with Web Hosting
http://itshrunk.com/9d2b88

ZenZuu is the Next Generation

ZenZuu is the Next Generation Social Networking Platform for people from all walks of life...


WANT TO BUILD A CA$H FLOW FOR YOUR FUTURE?

AN INCREDIBLE OPPORTUNITY THAT IS FREE TO JOIN!

ZENZUU, A FREE ONLINE SOCIAL NETWORK SITE

Zenzuu wants to share 80% of its Worldwide Advertising Revenue with its active members who join FOR FREE!

Be the first few in this area to capitalize on this opportunity. ZenZuu is easy to do, just follow three simple steps:

Step one: Listen to the CONFERENCE CALLS
Dial 646-519-5860 then put in a special pin code 3214#
Monday through Saturday
1 pm Eastern, 3 pm Eastern, 5 pm Eastern, 7 pm Eastern, 9 pm Eastern, 11 pm Eastern

Step two: SIGN UP FREE AT
http://www.Zenzuu.com/tazfm/signup.htm
Get yourself the same website like this.

You can promote our own affiliate programs, company/products through this.

Step three: Tell everyone to do the same
WHY NOT promote ZenZuu now and be able to share in the Advertising Revenue.

IT IS ABSOLUTELY FREE TO JOIN


NO STRINGS ATTACHED!!!

The bigger your team, the bigger your check...FOR THE REST OF YOUR LIFE!

Don’t miss the boat…. JOIN FREE NOW -- BE ON TOP!!! -- THINK OUTSIDE THE BOX!!!

ZENZUU IS EASY TO DO, ZENZUU CAN MAKE YOUR DREAMS COME TRUE.

The ZenZuu Worldwide Advertising Revenue Sharing Program is perfect for all the people who cannot afford to come into a costly MLM company.

Learn how you can earn money by telling people to join for FREE and
getting everyone they know to sign up for FREE in our "SOCIAL NETWORK" before someone else tells them about it.

80% of advertising dollars will be paid out to all FREE active members.

Let’s bring millions of people into ZenZuu!

Remember it is always FREE to Join ZenZuu to be a member.

Godbless, John Caldecott.
Free Domain Name with Web Hosting Pack

SECRETS YOU ABSOLUTELY MUST KNOW!

SECRETS YOU ABSOLUTELY MUST KNOW!


So you think the UK Driving Secrets 2008 guide is limited to just speeding tickets, parking fines & the courts?

ONCE AGAIN, THINK AGAIN!

You don't get to spend 20 years as a traffic police officer and not learn a whole bundle of tricks that most of the UK simply have NO IDEA about. It's a perk of the job. And now YOU can take advantage of this knowledge for your own gain!

You'll discover the following UNBELIEVABLE SECRETS:


Why you should NEVER hand over your licence if stopped by the police
(...EVEN if you have it with you!)
How far over the speed limit you can go WITHOUT risking detection.
... The answer may SURPRISE you!
How you can make a claim against an UNINSURED driver.
... This one piece of information alone could save you thousands of pounds!
How to get FREE motor insurance with up to £100,000 worth of cover
... from the Government!
Why "leaves on the line" can be the motorist's BEST FRIEND!
Everything you need to know about the December 2003 mobile phone regulations
How to AVOID a FINE if you are told to produce your MOT certificate but don't have one
How you can claim compensation from the government if you are a victim of a hit-and-run driver... so long as you do ONE thing WITHIN FIVE DAYS of the incident occurring.
Find out how a company director discovered an amazing LEGAL loophole which means all his company's motorcycles can park on the footway in London with impunity!
SIX clever defences you can use if you are charged with driving in a bus lane


http://www.uk-driving-secrets.com/?afl=29794



Testimonial:

"Never realized there were so many loopholes in the law. Why didn't I know these already?

"I had two outstanding tickets, and I've been let off with both of them thanks to your [technique] and the [technique]. I'm so prepared for the future, I can't believe it. Please use this as a testimonial... Very satisfied!" -- D.Campbell, Oxon



The 'SECRET LOOPHOLE' hundreds of drivers are exploiting to give themselves immunity from speed camera tickets.

WARNING:

This technique is probably illegal, and is provided for information only!

How you can use the new Freedom of Information Act to FORCE the authorities to disclose information that YOU can use in your defence. Model letter included!

How a single mother got herself and 4,200 other motorists off a speeding ticket
... using a £5 disposable camera! Copying her method could save your licence!

The brand NEW scheme which gives you the chance to escape a fine & AVOID POINTS ON YOUR LICENCE , simply by attending a one-day course run by your local authority.

If you don't ASK about this, it's likely you WON'T be offered it!

A BLOW-BY-BLOW ACCOUNT of how one motorist took on the Scottish legal system over a speeding ticket and WON! You won't believe the incompetence he uncovered

(... AND EXPLOITED!)


TWO pieces of information every parking ticket MUST include to be valid.
If not, it will be unenforceable - as Barnet Council discovered to its cost!

How one driver got his speeding conviction OVERTURNED - by arguing that the speed camera was inaccurate because it was placed on a BEND!

How a recent case in Lincolnshire meant that 2,637 drivers penalised for speeding there had to have their convictions quashed.
If you have ever been caught by a speed camera at night, this is ESSENTIAL reading!

http://www.uk-driving-secrets.com/?afl=29794

Godbless, John.

5 Easy Ways to Ramp Up Your E-Book Sales

5 Easy Ways to Ramp Up Your E-Book Sales
By John Caldecott

Once you've written your E-Book, got your Website up and integrated your shopping cart, you can sit back and start waiting for the money to come rolling in, right?

WRONG!

These days it's getting harder than ever before to be able to get people to notice you – and just because "you build it" doesn't mean they're going to come.

So what's an author to do?

Actually, thanks to all the tools that are available to you – including Web 2.0 – marketing your book – and ramping up your sales – is not as hard as you might think.

In fact, here are a few ideas to get your juices flowing. Add them to your sales plan, and use them as a jumping off place to help you make even more sales.

Create a long-term plan before you write even one word of your first book. The truth of the matter is that you're probably never going to get rich from writing one E-book. So before you start writing your first book, start thinking about your second book. And the first product that will tie into your first book. And the second. And then the third.

Don't put all your eggs in one basket. Come up with as many different income streams as you can and plan to build them into your plan. For example, can you create a workbook from your E-book? What about recording some audio files that go into further details or give more information. What about doing a joint venture with other experts in your industry?

Sell more books at one time. If your book covers any one of a number of popular subjects – self-help or development, home improvement, business, religion – there are probably corporations, organizations or niche markets that are always on the look-out for inexpensive gifts or bonuses for their employees, clients or associates. Your book could be just the ticket. Although you might have to go down in price – what do you think sounds better? Selling one or two books at a time or selling box loads of them?

Once you've built up your credibility as a published author, it's time to take things to the next level. Have you ever dreamed of attending seminars or workshops as a presenter? What about having a speaking career and being flown all over the world speaking to people in your niche market? If you don't like traveling or crowds, consider putting together teleseminars or holding intimate bootcamps.

Create joint ventures. This is the fastest and easiest way to leverage your expertise and start raking in the cash. Find people who are in similar – but not competing industries as yours. Explore ways for you to provide value to both of your customers while you're cross-selling or upselling. For example, if you own a restaurant, what about creating a special Valentine's Day promotion with the local florist. Offer free drinks or desserts to any of the florist's customers who bring in a special card (that you've provided to them) when they come to your restaurant. And your joint venture partner (the florist) gives you roses or carnations that can be given out to any women when their companion gives you the special dessert card. See how simple that is? Real value that makes your customers happy, and builds loyalty and trust – and positions both of you as the first people your customers think of when they need flowers or want a romantic restaurant or a place to eat during a special occasion


Want To Make Passive Income While You Sleep?
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Godbless, John.
http://presalevideos.com?9635

ResellerHosting

You may be interested in Free Reseller Hosting Program


In brief, our FREE reseller hosting program offers complete automation for your web hosting business.
We provide the hosting service, the billing and the 24/7 technical support to your clients.

You have the freedom to set up your own prices and thus maintain full control over your profits.

In addition, as a reseller you have full access to your clients' accounts and to detailed statistics of all your sales.

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This is a Free Business for You to make even more Money and You can also purchase Web Hosting for wholesale if You want to.

Godbless,

John Caldecott
http://www.freesoftwareandebooks.com
http://articles-tazfm.blogspot.com

PS. Leave Your AD on my Blog above (In Comments section) and place Your Free Ad at:
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Free Reseller Hosting Program

You may be interested in Free Reseller Hosting Program


In brief, our FREE reseller hosting program offers complete automation for your web hosting business.
We provide the hosting service, the billing and the 24/7 technical support to your clients.

You have the freedom to set up your own prices and thus maintain full control over your profits.

In addition, as a reseller you have full access to your clients' accounts and to detailed statistics of

all your sales.

http://www.resellerspanel.com/?a=tazfm

Jill - this is a Free Business for You to make even more Money and You can also purchase Web Hosting for

wholesale if You want to.

Godbless,

John Caldecott
http://www.freesoftwareandebooks.com
http://articles-tazfm.blogspot.com

PS. Leave Your AD on my Blog above (In Comments section) and place Your Free Ad at:
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History of Bankruptcy.

History of Bankruptcy.
By John Caldecott.


The first bankruptcy laws in the United States were made because of negative economic conditions.

They began in 1800 and were repealed in 1803.
The modern bankruptcy laws first came into view in 1898, when the Bankruptcy Act gave companies that were in distress a way of paying back their creditors and being protected from losing everything at once.

From World War II through the 1970s, the idea of bankruptcy did not make major headlines.
There weren’t very many businesses that failed.
Even through the 1970s, there were really only two major companies that ended up filing for bankruptcy.

In 1978, there was an act passed called the Bankruptcy Reform Act.
It took effect October 1st, 1979.
This completely revamped the practices regarding bankruptcy.

Chapter 11 was created, which is meant to reorganize businesses and get everyone back to working order after bankruptcy.

Also, during the 1980s, there were many changes that were made to the different bankruptcy chapters and acts.

These covered tax related issues, and rules to protect companies from losing everything as a result of bankruptcy depending on their states at the time of filing and their abilities to pay back the debts on their own.

During the 1980s and early in the 1990s, there were a record number of bankruptcies of all different types.

This could be attributed to the fact that the process was made much more simple, and that the benefits were starting to really look good to the people who were filing.

The changes in the filing systems, and the large numbers of bankruptcies led to changes that had to be made in the court systems so that everything could be handled.

This made the process much easier overall, and allowed for more people to be able to be protected through filing for bankruptcy.

Now, bankruptcies are even easier to file because there are pre arranged and prepackaged bankruptcies, and forms that are created with everyone in mind.

This way, the courts can handle all of the bankruptcy proceedings, and everything is able to move much more smoothly.

Even though bankruptcy is now easier than ever to file, you should always keep in mind that this is something that is going to have a major impact on your credit.

You should not file for bankruptcy unless you feel that it is your last chance and unless you feel that you have no other option.

Otherwise you might find that it is something that is harder on your credit than you could have ever imagined.




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eBay: The First 10 Years

Over the next few weeks I will be posting the Articles below -
So Please stay tuned in to learn everything You can about Making Money
on Ebay.


1 eBay: The First 10 Years
2 EBay Income Possibilities.
3 What You Need to Know BEFORE You Get Started on eBay
4 A Beginner’s Guide to the Different eBay Auction Types.
5 Staying Out of Trouble with eBay’s Listing Policies
6 Learning the eBay “Lingo”.
7 5 Simple Steps to Posting Your First eBay Auction
8 An eBay Seller’s Checklist.
9 What’s Your eBay Reputation Really Worth?
10 Is the eBay Customer Always Right?
11 10 Sure-fire Ways to Kill Your eBay Business
12 10 Steps to Successful Selling on eBay
13 eBay – Part Time or Full? How to Decide
14 How to Think Like an eBay PowerSeller
15 How to Use eBay to Grow Your Other Businesses
16 Taming the eBay Search Engine
17 How to Choose the Right eBay Product Category
18 eBay Title Writing Tips.
19 eBay Description Writing Tips.
20 10 Tips for Increasing Your eBay Response
21 An Introduction to Bidding and Buying on eBay.
22 Your Rights as an eBay Buyer
23 10 Ways to Avoid Being Ripped Off on eBay
24 How Important is Your Buyer’s Reputation?
25 How to Check an eBay Seller’s Reputation (and Why You Should Do It
26 Understanding the Different eBay Auction Types
27 When to “Buy Now” and When to Bid.
28 eBay Auction Buyer’s Tips and Tricks.
29 When and How to Withdraw Your eBay Bid
30 You Won that eBay Auction! Now What Do You Do?
31 The eBay Buyer’s FAQ.
32 SafeHarbor; eBay’s Own Scotland Yard.
33 Using PayPal on eBay.
34 How to Get eBay Coupons.
35 Introducing the New eBay “Buyer’s Credit” Program.
36 Tips and Tricks for Using eBay Search.
37 When Things Go Wrong: How to Resolve eBay Disputes.
38 Watch Out for eBay Automobile and Computer Scams.
39 Tips for Buying Collectibles on eBay.
40 Taking Advantage of “Slow” eBay Auctions

Till next time,
Godbless, John Caldecott.

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Ebay - The first 10 years...

1 eBay: The First 10 Years
2 EBay Income Possibilities.
3 What You Need to Know BEFORE You Get Started on eBay
4 A Beginner’s Guide to the Different eBay Auction Types.
5 Staying Out of Trouble with eBay’s Listing Policies
6 Learning the eBay “Lingo”.
7 5 Simple Steps to Posting Your First eBay Auction
8 An eBay Seller’s Checklist.
9 What’s Your eBay Reputation Really Worth?
10 Is the eBay Customer Always Right?
11 10 Sure-fire Ways to Kill Your eBay Business
12 10 Steps to Successful Selling on eBay
13 eBay – Part Time or Full? How to Decide
14 How to Think Like an eBay PowerSeller
15 How to Use eBay to Grow Your Other Businesses
16 Taming the eBay Search Engine
17 How to Choose the Right eBay Product Category
18 eBay Title Writing Tips.
19 eBay Description Writing Tips.
20 10 Tips for Increasing Your eBay Response
21 An Introduction to Bidding and Buying on eBay.
22 Your Rights as an eBay Buyer
23 10 Ways to Avoid Being Ripped Off on eBay
24 How Important is Your Buyer’s Reputation?
25 How to Check an eBay Seller’s Reputation (and Why You Should Do It
26 Understanding the Different eBay Auction Types
27 When to “Buy Now” and When to Bid.
28 eBay Auction Buyer’s Tips and Tricks.
29 When and How to Withdraw Your eBay Bid
30 You Won that eBay Auction! Now What Do You Do?
31 The eBay Buyer’s FAQ.
32 SafeHarbor; eBay’s Own Scotland Yard.
33 Using PayPal on eBay.
34 How to Get eBay Coupons.
35 Introducing the New eBay “Buyer’s Credit” Program.
36 Tips and Tricks for Using eBay Search.
37 When Things Go Wrong: How to Resolve eBay Disputes.
38 Watch Out for eBay Automobile and Computer Scams.
39 Tips for Buying Collectibles on eBay.
40 Taking Advantage of “Slow” eBay Auctions

John Caldecott.

Article Marketing

Do you know what Article Marketing can do for your business?
By John Caldecott

One of the most incredible strategies ever to be incorporated with online advertising is article marketing.

It has proven to be the most cost-efficient and most effective of them.

By the term itself, you probably would know what this kind of marketing is about.

By writing articles that are content-rich, you will be able to reach more people online.

Not only that, you will be able to project a credible image to those who may have chanced upon your articles.

With the internet now reaching world-wide market, there is a higher possibility of you getting the attention and interest of potential customers.

This is what article marketing can do.

If you have not been using this in your business, you are missing more than you know.

How does article marketing work?

Here is a guided tour on the step-by-step process of article marketing that will guide you on your way to achieving the kind of articles needed for your kind of business.

To start with, you need to premium a quality, informative and 300 minimum word article about a certain topic related to your business.

For example, if your business is about family living, you can write an article that delves on how to spend more quality time with families.

Never write about something that is not even closely related to your niche.

After you have the content written, you can now include a resource box at the end of the article.

The resource box is basically a brief summary about you, your business and with a link that goes right to your website.

(Get a Free Domain Name with Web Hosting - see below)

Putting a link to your site in the resource box would is making it possible for many people who would get to read your article.

This could essentially result to a large amount of new traffic to your site.

Then it is time to submit your articles to as many article directories you can find.
Over the Internet, you can find various article directory sites.

There are paid and free sites.

If you are on a budget, you may opt for the free submissions being offered.

But if you have money set aside for your article marketing, paying for the submission sites is also a wise move.

Whenever somebody reads your article displayed on directories, the link that leads to your site is prominent enough for the readers to be able to check them out once they find your article interesting.

This way, there is a big probability of you gaining more customers whenever find what they are looking for in your site.

There is also a chance that your article would get picked up by a printed publication, and the readership of the same would get to know the products or services which your business offers.

You should know that article directories are being displayed on various websites.

They are seen by millions of people all over the world.

This apparent visibility also makes it easier for search engines to index them.

The technique behind article marketing is back linking.

Back links are links to your websites that you have somehow displayed on sites with higher page ranks.
To put it simply, your site is basically sharing instant success with the sites you are linking to.

Getting indexed by search engines can be a long and trying process.
Oftentimes, the result takes days or months before being acknowledged.

There are even cases where, after waiting for a long time, the result you will be
getting is not the one you expected.
This is the main reason why Internet marketers have resorted to back linking.

You cannot get this instant online recognition in the shortest of time and without too much effort anywhere else.

You can always hire a ghostwriter to write your articles for you if you cannot write your own articles or do not have the time for them.
The price rate for writing articles is from 3 to 10 dollars.

With all the advantages being presented by article writing, there is no doubt why this has become one of the most often used Internet marketing strategy.

Try to do some article marketing for your site and see the positive results it will bring to your site.

John Caldecott.
Free Domain Name with Web Hosting:
http://www.freesoftwareandebooks.com
http://articlecashprofits.com/member/?thankyou-page=806

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Everyone "in the know" is talking about it...
Big-time marketers are making insane profits from it... And you can start using this advanced marketing tacticstarting minutes from right now...
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It's called "Video Marketing" and it's not as easy as youmay think... Because *amatuer* videos DON'T sell!
You need the right equipment and the technical skills toedit and optimize the final production. And face it...unless you have charisma on camera, you won'tbe able to sell anything to anyone.
Fortunately, there is an easier way... http://presalevideos.com/?9635
Would you try to perform surgery on yourself or cut your own hair? No Way!
So if you're not a professional actor and you don't have thetechnical skills to produce quality videos, then why would you even consider creating your own marketing videos?
It's a no-brainer...
Because Todd Gross and Derrick Van Dyke have teamed up toproduce outstanding PreSale Videos.
Todd is professional actor and Derrick is a professional programmer. And they are both well-known marketing experts.
Together they have created an amazing new service that givesyou Video Web Pages that are branded with your affiliate links and promote the hottest products online!
Click below to start your free 7-day trial: http://presalevideos.com/?9635
John Caldecott
P.S. Membership is strictly limited to 500 so you have to bequick or you'll end up on a waiting list until the next spotopens up...
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