Incredible Words

Home equity loans are one of the most common types of financing for doing improvements on your house. These loans are not necessary used for home improvements but can also be used to simply obtain extra cash. It is essentially a standard loan, based on the equity you have in your house. This is as opposed to mortgage loans which are the loans used to purchase a home. Equity is the value that you have paid on your mortgage loan.

If you are planning on building a house, it may be advisable to obtain a construction loan. These loans are available at most banks or lenders online. Home loans in general are available online. If you are looking for more information on loans that are available, try checking online.

By doing a simple search using any search engine, like Yahoo or Google, you will undoubtedly receive hundreds of pages of websites that offer information or loans themselves. These companies, while there are many, may not all offer the same things. On value in doing this type of research is the ability to compare and contrast the different types of loans and different lenders available. You can save a lot of money by doing some basic research. Countrywide Home Loans, is one such lender that uses the Internet as a tool in providing potential customers with updated information.

Things to consider when looking at different loans include interest rates and terms of the loans. The interest rate, while dependent on the rate on the current market, may differ between lenders. Terms and conditions can be dependent on length of loan, flexibility of interest rate and credit standing. You may be able to find online lenders that will pre-approve you online within minutes of sending them your information.

All in all, there are many different financing options depending on if you are buying, building, or in need of extra cash. Home equity loans and home mortgage loans can be found through lenders at your local bank or online. Doing the proper amount of research will afford you the best deal out there.

About The Author

Mike Yeager

Publisher

http://www.a1-loans-4u.com/

mjy610@hotmail.com

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I bet you can’t tell me… the single biggest problem facing Every Direct Marketer, new and old.

It’s not generating traffic, nor building an O’pt-In list, nor is it finding products to market and it’s not a lack of Cash.

You can buy traffic, you can buy O’pt-In list members, you can make or buy products and you can even borrow Cash.

The biggest single problem for any Direct Marketer is How To Earn Your Prospect’s Trust.

Learn how to earn AND keep trust and you open up huge new Marketing possibilities.

Too many salespeople of doubtful credentials, and too many adverts promising so much and delivering so little have hardened consumers, they no longer trust Marketers and Marketing claims without a great deal of convincing.

So how exactly do you turn a skeptic into a believer ?

Tip #1 - Make Your First Contact Count

Your initial point of contact with prospects is typically

* An advert, in a PPC, a banner exchange, a classified or solo campaign

* An entry in a Search Engine directory,

* Or an article you have written.

Unfortunate as it may be, people do judge others by first contact. If your initial impression of someone is poor, chances are that you will not give them a second look, be it in business or your personal affairs.

Make sure your initial point of contact with all prospects is to your advantage.

This does NOT mean expensive, glitzy or superficial.

It means make your initial contact Sincere.

Keep that one word in mind as you design all your sales and marketing strategies and your Initial Contacts will always be positive.

Tip #2 - Products, Pricing, Promises and Personality

Sincerity in your contacts with prospects comes from applying the (modified) 4 p’s of marketing.

* Products

Market the best products you can and never settle for second best. Add value and benefit to your prospect with quality merchandise. Resist the temptation to market “Cost Cutting” alternatives that are in fact more expensive due to their poorer real value.

* Pricing

Price your merchandise at a fair value for the producer, the consumer and the marketer. Over pricing your products is a self defeating tactic because prospects learn to avoid your pitch and with over high pricing you invite competition to under cut your cost and price base.

* Promises

Your sales literature and copy must be accurate and reflect the true benefits of your products and services. This does not mean you should be unduly modest, by all means make big claims, but make sure you can prove and demonstrate anything you promise.

Remember, in this context, any guarantee you give must be more solid than any Banks Vaults and worth as much as the contents of Fort Knox

* Personality

Inject your personality into your contact with prospects.

People love to do business with people they know. Avoid doing things you feel uncomfortable with, but do tell people about yourself, your failures, your wins, your hopes and your fears. Be the human face of you business and build a sincere relationship with prospects.

Tip #3 - Communication

When you get past the initial contact, the next hurdle in building trust is communication with your prospects.

There are several ways to do this

* A sequential autoresponder with relevant messages sent to your O’pt-In prospects at regular AND frequent intervals.

* An e-zine sent out to subscribers with useful information and not just an excuse for another advert.

* Articles showing your prospects how YOU manage your business and personal tasks, tactics and strategies.

Communication is two way traffic. Ask your prospects for input into your professional relationship and how they think you can improve it. Listen to your prospects.

Tip #4 - Credibility

Prospects always seek comfort that they are doing the right thing.

It pays to use “borrowed” credibility if you are not a world recognised expert in your field. This is where testimonials enter the picture.

Here are a few ways in which you can obtain testimonials and build credibility with a new product or service :

* Give a few samples away to a test group in return for the testimonial

* Use functionally disabled or time barred samples as demo versions which you can give away to prospects

* Develop fully functional modules with less features than the standard product and give those away to prospects.

* Develop e-courses and other training programs showing prospects the benefits and training them in how to use and consume your products and services.

Tip #5 - Service

Your prospect’s Trust is very hard earned. But this is as nothing when compared to retaining their Trust.

Once a prospect becomes a customer, too many marketers make the fatal mistake of taking that customer for granted.

Post sales service is a crunch time for cementing the Trust you have managed to win with such effort.

Make sure you stay in touch with your new customer. Offer them advice and help in the use of their new product or service. Make sure any potential issues are dealt with before they escalate.

Be available and within easy contact for your customers and prospects.

Relevant Resources

http://www.simplyeasier.com/me.html

Conclusion

As a direct marketer you can buy traffic, you can buy O’pt-In list members, you can make or buy products and you can even borrow Cash.

You cannot manufacture or in any way manipulate trust - Trust is the one thing in your business that must be earned the Hard Way.

Be sincere, do the right things as shown here and build trust with your prospects.

(c) 2004 Charles Kangethe

About The Author

Charles Kangethe of http://www.simplyeasier.com is a leading new wave Netpreneur and a published author from England. The “Simply Easier” brand name is your guarantee of high value, quality Marketing Products, Services and Resources.

charles@simplyeasier.com

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Maritime law is a legal body that regulates ships and shipping. As sea-borne transportation is one of the most ancient channels of commerce, rules for maritime and trade disputes developed very early in recorded history. Modern admiralty law, often called simply admiralty or maritime law, has its origins in the classical Rhodian law. No primary written specimen of the Rhodian law has survived, but it is alluded to in Roman and Byzantine legal codes as well as the customs of the Hanseatic League, the dominant trading power of the Middle Ages and Early Modern eras.

While traveling the eastern Mediterranean on the Crusades with her first husband, King Louis VII of France, Eleanor of Aquitaine discovered a complicated and advanced system of admiralty law. She brought back this admiralty law and administered it upon her people on the island of Oleron. Later, while acting as regent for her son King Richard the Lionheart in England she founded the British system of admiralty law. In England, special admiralty courts handle all admiralty cases. The courts do not use the common law of England.

In this same way, admiralty or maritime law is distinct from standard land-based laws even today. Even within another country’s claimed waters, admiralty law states that a ship’s flag dictates the law. This means that a Canadian ship in American waters would be subject to Canadian law and crimes committed on board that ship would stand trial in Canada. In the United States the Supreme Court is the highest court of appeals for admiralty cases, though they rarely progress beyond the state level. United States, admiralty law is of limited jurisdiction, so it is up to the judges to assign verdicts based on a combination of admiralty and specific state law.

Because admiralty law is such a complicated set of laws, with a rich history and specific cases and implementation, many lawyers focus specifically on the field of admiralty law. If you have a case that falls into this category, your regular personal attorney may not be able to help. The specific circumstances of admiralty jurisdiction make it prudent, and perhaps necessary, that you hire a specific admiralty lawyer.
GA

If you have more questions, contact a maritime lawyer or read maritime law press releases at http://www.hugesettlements.com. If you use this article, please include these links.

About the Author

None

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So you have rushed out into the malls in a mad panic for this christmas holiday and are going to purchase a electronic item on Credit think again. Consumers are paying again through the nose agin this year 1.5 billion in sales up from last year and sure to gain ground next year again.

Almost on a monthly basis you see a new digital camera rolls off the assembly line almost like clockwork. In order to save your money when getting into digital photography we suggest getting something more middle of the road like the Fuji F450.
Fuji F450 review

Don’t fall for salesman tactics for upselling, you don’t need anything over 5 mega pixel in my opinion. All digital cameras above 5.0 are a bit overkill unless your a professional photographer in which case you would most likely purchase a digital SLR camera. Kodak has stepped up to the plate like always with many versions of the easyshare cameras. Kodak packs value into every camera they produce in my opinion and their very inexpensive. I would recommend having a look at the Kodak easyshare DX7590 if your looking for affordable cameras.
Kodak DX7590 Review

If you are looking for a camera that is very universal and packs in my opinion one of the most respectable names and quality customer service, I would stick with a Sony Cybershot digital camera. Sony has some of the best cameras for quality and price with warranty out on the market today. Whatever you choose this holiday season take your time get information on what your buying and don’t think that the higher the mega pixel the better the camera. As well be very wary and ask if the CCD sensor is the mega pixel number that they report or is it totalled by interpolation. Remember if you interpolate the mega pixels then the camera isn’t reporting its correct processing of the mega pixels.

Good luck with your next camera purchase.

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If your business runs into serious difficulty, will it bring you down too? For example, what if one of your employees got involved in a serious car accident while working for you? Will the resulting lawsuit bankrupt you personally?

Here are just a few ways of protecting yourself against catastrophic losses and lawsuits.

1. Obtain Adequate Insurance Coverage

If someone slips on the sidewalk of your home and injures himself, he could sue you for damages. Your tenant’s or homeowner’s policy may cover you for liability in such an event.

However, what if it is your customer who falls on his way to visiting your home-based business? You will need an extra rider on your house insurance to cover such incidental business use. The extra charge for this additional coverage is well worth it.

If you use a car for business use, insure it for such. Some people think that they are being clever writing off automobile expenses for income tax purposes but at the same time not informing the insurance company that the car is being used for business.

This is false economy. If you ever get into an accident, police and insurance investigators will certainly find out that you used the vehicle for business purposes. If you’re not paying for business coverage, why would the insurance company cover your claim?

As well, what do you think an income tax auditor would think of your claimed business expenses on the vehicle when your insurance policy indicates personal coverage only? Avoid this additional exposure to tax liability.

Be sure to obtain required workers’ compensation coverage. Some have been held responsible for all the medical and other expenses of an injured worker, as well as fines for non-compliance to the law. These costs can be quite substantial and even bankrupt you.

Consider obtaining product liability insurance. This applies not just for any products you manufacture but also for products you sell that are made by others.

2. Incorporate Your Business

Insurance may give you some protection against loss. However, you may suffer business losses and lawsuits that may not be covered by your insurance fully. What then?

An extra level of protection can be obtained by forming your own corporation. Even though incorporating yourself will result in extra paperwork and costs, it could be the best insurance you ever bought.

This is because the corporation is a seperate legal entity or person. Even though you may own the corporation, if the corporation operates the business, it is the corporation that will be sued or suffer loss.

If, for example, the corporation had severe business losses resulting in debts that could not be repaid, the corporation would be insolvent. You, as a shareholder, would lose your investment in the company but would generally not be responsible for any of its debts. Thus, you would not have to sell your home or other personal assets to cover the corporation’s liabilities.

On the other hand, there are cases where directors of a corporation can be held responsible for liabilities if they didn’t act responsibly. You can’t hide behind a corporation, commit criminal acts and expect to escape accountability.

For more information about incorporation, visit: http://www.popeconsultinginc.com/incorporation.html

3. Protect Yourself With Legal Agreements

Properly drafted written agreements can protect you in many ways. First of all, they can sometimes prevent misunderstandings that can lead to legal problems. Secondly, they may limit your exposure to lawsuits and losses.

Contracts can limit your exposure to liability by including provisions restricting the scope of your work and responsibility, having disputes handled by arbitration rather than through the Courts, and specifying that the maximum damages payable shall not exceed the amount of the contract.

A special area to watch out for is the Internet. There are many laws that impact on websites including matters affecting children, privacy, earnings claims, and unsolicited e-mail (”spam”). Certain agreements and notices on your website may help to protect you.

For more information about Internet law, visit: http://www.popeconsultinginc.com/internet-law.html

Protect yourself from catastrophic losses and lawsuits. Take steps today to protect your assets by limiting your exposure to liability.

J. Stephen Pope, President of Pope Consulting Inc., http://www.popeconsultinginc.com/ has been helping clients to earn maximum business profits for over twenty years. For valuable Work at Home Small Business Ideas, visit: http://www.yenommarketinginc.com/.

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A song without a chorus can hardly be called a song. This rather bad statement is my personal opinion so if you don’t agree, that’s okay. But I would like to start this lesson with this statement, not only to wake you up, but rather because it’s one of the key-statements of this lesson. So if you don’t like songs without a chorus and never intend to write one, than probably you won’t feel at home in this class this month. I must say I never felt at home when I was at school but that’s another story… But if you do stick around, even if you don’t like to write choruses, maybe you will change your mind about them.

A chorus is more or less the heart of a song, at least if it’s a good one of course. Why this is true is not as obvious as it seems. People always tend to remember the chorus of a song, while it may not even be the most interesting part of the song at all. The easiest explanation of course is the fact that the chorus is usually played a couple of times during a song. But if this was
the only reason why a chorus is the heart of most songs, how come then that lots of choruses are easily forgotten, even if they are played seemingly endless in the fadeout of a song? So there must be more to it.

In this lesson we will see it’s hard to reveal the secrets of a good chorus. Writing a good chorus may be more a matter of the heart (something called talent?) than the mind. But since this
counts for songwriting in general, don’t be afraid; there are always some tricks to learn to help those who have to struggle a little more then the lucky, more talented ones. And believe me, most
of us belong to the first group, to put it stronger, even the most talented ones often join the struggling crowd when they’re not inspired…
In lesson 5, we already saw some elements a good chorus should have. Now we will take a closer look at these elements, by discussing some rules you should follow if you want to write a good chorus. These rules are:

It should be catchy
It should contain elements of the rest of the song

It shouldn’t be an anti-climax
Following these rules, you obey to the most important rules of writing a good chorus. We will take a look at these rules in the next paragraph. You can also click on the links to go directly
to the discussion of each of these rules.

Rule 1: a chorus should be catchy
What makes a chorus catchy? The easiest answer (for me at least) is: listen to all those golden oldies. Almost all the classics from the sixties and the seventies have catchy choruses. Of course The Beatles were real masters at this, but it seems all the bands that became famous in those days were able to write catchy choruses which seem to stick in your mind forever. Who doesn’t know the chorus of Honky Tonk Women for example…
Listening to examples is a great way to teach yourself, and that counts for songwriting too! But there’s something more to say about this issue too.

Keep it simple
One of the main rules in writing a good chorus is to keep it simple. Try to avoid to make the chorus sound complicated.
This doesn’t mean that as long as you keep it simple technically spoken the chorus will sound simple! A chorus built around a difficult, but well written musical part will be easier to listen
to than a technically simple chorus which is written in an unlogical manner.

Consider The Average Listener
The above indicates you’ll have to keep the average listener in mind while writing your chorus. Most listeners aren’t musicians so don’t forget that! The average listener will often look for
things he/she can recognize, a certain general feeling of what sounds logical and which has been developed during many years. You would probably think now that I’m saying most listeners are dumb but that’s not the case. So don’t treat them like that. They won’t buy the same stuff over and over again (‘though this seems
to be heavily contradicted by the house-rage of this time….) so you will have to keep them anxious. In the chorus you can try this by experimenting with backing vocals, special arrangements etc, but be careful and don’t overdo things.So in general you could say the secret to write a catchy chorus is to make it sound logical.

Rule 2: a chorus should contain elements of the rest of the song
In this lesson we already saw a chorus is one of the most important parts of your song. In most cases, it’s the part of the song which will be played the most often. So it better be good!

Another trick to make your chorus a good chorus is to give it the treatment it deserves! Since it’s the main element of your song, whether you like it or not, it should get all the attention it needs while you write it, to gain all the attention it needs when you play it. This brings me to a rather contradictionary issue: writing songs is a very intutive job and that also counts for writing choruses. But to obey to the rule that a chorus should contain elements of the rest of the song, you should at least examine and evaluate your music thoroughly. In mine opinion just writing your music from the heart will generally result in the best music, but it’s not very sensible only to rely on your heart. Evaluating your music can be very useful and especially when it comes to writing a chorus. So no matter how you write, whether you write straight from the heart or not, you will have to evaluate your song. Not only because it will enhance your songwriting skills simply because you are “forced” to think about what you have written, but also because “technical rules” like these can only be followed by using technical means like evaluation.
Since a chorus is the part that will be played and remembered most, it’s the best place to “advertise” your song. Maybe if you consider the chorus to be the advertisement of your song, you
will better understand the importance of putting elements of the rest of the song into it, making it kind of an excerpt of your song. Some advantages of doing so are:

Recognition
People will recognize the song by just hearing the chorus. But it works the other way around too; they will recognize the chorus as being part of that piece of music they accidentally hear when they enter a bar for example.

Recollection
People will remember your song much more easily. Because the chorus is an excerpt of the song, they will only have to remember the excerpt to remember the song. Why not using old school-tricks
when they work fine?

Strenght
By putting elements of the song together in your chorus, in fact you are just making a miniature of your song. When you do this right, it will result in a very strong piece of music. Producers
will be pleased when they see you have skills to achieve this, because they usually want you to cut out all the unnecessary stuff from your song.
But what elements should you take? This in fact is completely up to you and depends on the song you are writing. Generally it works fine to pick some of the more melodic parts of your song,
simply because most people remember a melodic piece of music better than a monotone piece. And that’s about all there is to say on this issue, but there are some pitfalls to look out for.

These tips might help you avoiding them:

Don’t copy too much
While putting the best elements of your song together into your chorus, you are taking the risk of ending up with a chorus that unveils all the secrets of your song making the rest of the song
predictable and dull. Therefor it’s better not to copy too literally but hussle things a little. Tricks like changing the key of the parts while played during the chorus can help. Just consider all the best parts to be some sort of colour-palette, which enables you to make various versions of the same picture.
Don’t make the chorus too long. Better leave out some good parts than desperately putting everything together in the chorus! Good choruses almost never exceed 6 lines. As you can see, this part of writing songs can be very tricky. Don’t forget your skills will grow after every song you’ve finished, even the more technical skills that you’ll need to write a good song, like evaluating your song and deciding what parts should be reflected into the chorus. I deliberatly used the term reflect, because this is one of the most vague issues of writing songs, making it one of the most difficult parts of it. But aren’t things always getting more difficult when technique meets feelings?

Rule 3: a chorus shouldn’t be an anti-climax
The third important rule seems simple but, unfortunatly, is not. Just like the second rule we discussed above, we will discover it’s again a matter of walking on the edge. You will have to carefully find your way between what’s good and what is bad, and there isn’t a clear path to follow. But again, experience is something you can’t buy but which comes free with endurance and perseverance. So just don’t give up when it’s getting tough; your peaks will get higher and your downs won’t be as low as they used to be! So a chorus shouldn’t be an anti-climax. Clear! But why is this rule not as simple as it seems? I will try to explain this. If you follow the first two rules you won’t too quickly end up with a chorus that’s an anti-climax, just because these two rules ensure your chorus will be more or less the heart of the song. But still your chorus can become an anti-climax, simply because
another part of the song attrackts too much the attention. A very impressive instrumental break can easily put the chorus in the shadows. So if your chorus is an anti-climax depends not only on
the chorus itself, but on the rest of the song too. To avoid this disturbing effect, you will have to be very careful where to put that instrumental break, charismatic leadvocal-line etc. To make things even more complicated, you will have to watch out for the chorus to become the climax of the song itself! This can be disasterous to your song, because you will end up with a song which repeats it’s climax over and over again, with the result that you end up with a song that doesn’t seem to have a climax at all! So every time you write a song you will have to deal with the problem to write a strong, catchy chorus but on the other hand not to make it too
strong…
This virtual contradictionary is hard to solve, just listen to daily radio. But there are some ways to help you with this:

Distinction
To avoid the chorus and the climax of the song to interfere with each other, you can try to make a very clear distinction between these two rivals. You can do so by putting them apart from each other “physically” (give each of them their own space in the song), or by making them sound as different as the song allows you to. The clearer the difference, the less chance of interference. If you can’t beat them…
Another aproach is to put the climax in the chorus itself. This works best when done in the final chorus. This solution requires you to change that chorus, otherwise it won’t work, as we discussed earlier in this lesson. These changes can range from just changing the key, adding additional instruments (like backing-vocals) to even changing the lead-vocal line. When done right you will end up with a super-chorus, which won’t be forgotten easily!

Taken from: http://www.geocities.com/Athens/Marble/9607

About the Author

Free Music Education Center is a reputable site provideing free music lessons on all aspects of music and production

Taken from:
http://www.geocities.com/Athens/Marble/9607

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Keep Your Company Newsletter Out of the Circular File
Copyright 2003, The Write Exposure

You spend a considerable amount of time and money on your print newsletter and the only way your investment pays off is if your readers actually interact with your newsletter in a positive way. Unfortunately, most company newsletters don’t do a very good job of encouraging any such interaction.

How can you make sure your newsletter’s one of the successful few? Here we have the five key questions your newsletter must answer to leave a lasting impression on your readers.

Who’s it from?
How’s it relevant?
Is it interesting?
Why read it now?
Why keep it?

Who’s it from? You wouldn’t believe the number of companies that neglect to make it obvious who the newsletter’s from. It’s often not enough to include your company name on the newsletter somewhere. Rather, consider each newsletter an opportunity to introduce your business to people who’ve never heard of it before. Your mailing label should include your company’s slogan (and a bit about what you do if it’s not obvious) and logo. Ask someone who’s unfamiliar with your company to take a look at your newsletter and guess who it’s from and what they do. If they can’t, perhaps it’s time to make some changes.

How’s it relevant? Your readers don’t have much time. Clearly they don’t want to spend what little time they have reading something that’s not going to apply to their lives. You might prove your newsletter’s relevance by putting a table of contents near the mailing label (don’t list article by title, rather list them by benefit). You’ll find some great examples of proving relevance at the newsstand. Take a look at the magazines available and see how they convince readers that’s what’s inside is worth reading.

Is it interesting? After you’ve proved to the reader it’s relevant, you still have to prove that it’s interesting. Interest is typically a matter of tone and depth. Some readers prefer formal newsletters with articles that examine each facet of a limited topic, while others want a more general approach with a more playful tone. Get it right and your readers will wait by the mailbox for your newsletter.

Why read it now? Make sure your readers see the information as applicable right now. What’s applicable will depend on your readers, but in general, if you have information that’s in someway timely (safety features, for instance), promote it up front. You can also offer your readers special discounts and promotions.

Why keep it? Not all company newsletters should be kept, and you’ll need to determine whether or not yours should. If you decide you do want readers to keep the newsletter, you can add value to your publication in the form of reference articles or collections of resources. If you want to make sure readers can always find your newsletter, perhaps you could start new subscriptions with a manila folder to keep all the issues in (or a binder, if you prefer). An alternative is to offer something they can keep from each issue-an index card of important phone numbers, for instance-that they’d cut out or remove from the newsletter before throwing it away or passing it along.

When your newsletter answers these questions, your readers will see more value in it. While you simply can’t get everyone to read your newsletter the moment it arrives in their mailbox, you can encourage readers to look forward to receiving your newsletter.

Is it your job to increase company profits? The Write Exposure offers the resources you need to do just that at http://www.designdoodles.com

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It’s been proven time and time again that the majority lottery or other gambling cash prize winners will be broke within a few years of winning. What a very depressing statistic.

Many lottery or other gambling systems are created to win when the player loses. The odds are in the favor of “the house.” Sad but true.

However, the WeeklyWinning.com lottery system was designed to win because you, the player, wins. With a member-driven system that has increasing jackpots, guaranteed winners, unlimited chances to win and no limits… the odds are stacked in your favor.

With all the work to develop such a player-focused lottery system, we want to go the extra mile and make sure when you do win - no matter what the amount - you have a plan that will help you not return to your same financial situation prior to winning.

I call it the 10/20/70 plan.

The great thing is this plan can be used for your winnings at WeeklyWinning.com or any money you receive including lotteries, other cash prizes, tax returns… even your paycheck. It’s a universal system that’s been used by the wealthiest people to protect their financial future and now you can use it also.

Practice this system with your “winnings” and then try to migrate it into your “regular” paycheck. I promise you an exciting financial future once you do.

Let’s allocate it in the following ways:

1) 10% to Charity

Before you spend a dime, you should take 10% “off the top” and give it to charity.

Charity is the act of giving back to the community. Contributing 10% is a good amount to strive for. You can certainly decide to go larger or smaller — it’s your plan.

This act of giving should be taught early in life. But it’s never too late. Take a tour of a place where people are truly helpless so you can learn to feel compassion. Once you understand what some are going through daily, you won’t have any trouble parting with a dime out of your dollar.

The reason I said you should start practicing with any extra money you have is because you should practice while the amounts are small: It’s pretty easy to take a dime out of a dollar. But it’s considerably harder to give away ten thousand out of one hundred thousand.

I know you say, “Oh, if I had a hundred thousand I’d have no trouble giving ten thousand.” I’m not so sure. Ten thousand is a lot of money. Start practicing with a little so you’ll develop the habit before the big money comes your way.

2) 20% to Save/Invest

With the next 20% you’re going to create wealth. How? Well, there are lots of ways to create wealth with this 20%.

Let your imagination roam.

•Evaluate the skills you’ve developed at work or through your hobbies and consider how you can convert them into a profitable business.
•Learn to buy a product at wholesale and sell it for retail. Ebay makes it very easy to do this.
•You can purchase a piece of property and improve it.
•Hire a financial planner and invest in stocks (make sure the financial planner is wealthy - don’t take financial advice from someone more poor than you).
•Speak with your banker and find a tax-free retirement program and you can accumulate a princely sum over the years through compounding interest.

Poor people spend their money and save what’s left. Rich people save their money and spend what’s left.

3) 70% for Lifestyle

When considering how to spend this 70% you should divide it between necessities and luxuries. Use some of it to catch up bills, pay off credit accounts, etc. Use it to get ahead.

But, and I stress this wholeheartedly; make sure you use some of it to splurge. I’m serious. Be practical with some of it first but then just be totally, completely illogical with some of it.

Do something fun. Do something you’ve wanted to do but didn’t have the money to do. Buy yourself something you’ve been depriving yourself from having because it “wasn’t in your budget.”

There is a psychological reason for this.

Think about it. When you “Win” money your brain starts thinking “Yeah, I can blow it on…[whatever comes to your mind]!” That’s a typical reaction.

What if you then give some away to charity, invest some and pay the bills with the rest and your brain gets no “fun” satisfaction whatsoever. What do you think it’s going to do?

Right - it’s going to start regretting your decisions to use the 10/20/70 plan and it’s going to want to go back to the 100% plan where you totally splurge and wind up deeper in debt than before winning the money.

Do you want to have fun with your money and know that you’re protecting your financial future or do you want to continue to fall further behind and deeper in financial ruin?

It’s up to you. But I hope when you win at WeeklyWinning.com, or wherever, that you choose to use this 10/20/70 plan and truly stack the odds in your favor for a happy financial future.

WeeklyWinning.com is so simple, so powerful, and so profitable for the players… it just makes sense. We look forward to making you a winner.

About the Author

Scott Britner blended his background in programming and analysis with a little creativity and a lot of focus on the customer to develop the unique WeeklyWinning.com system. If you want to benefit from Increasing Jackpots, Guaranteed Weekly Winners, Instant Winner Bonuses, and No Limits… then check out www.WeeklyWinning.com?aid=ga127

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When you are just starting out playing cricket it’s not always straightforward to tell what you must buy. If you go into a sports equipment high street shop & ask them what you need, you will probably finish up getting a substantial amount of equipment that you don’t need. Hence, it is prudent to fathom what you will require prior to you going shopping. That way you are very much more likely to receive what you want, as opposed to what the shop owner suggests you need.

Below, is more or less a complete cricket equipment inventory, you don’t have to get everything on this list, as a substantial number of organisations will provide you kit particularly at youth level:

Cricket whites, cricket bats, balls, helmets, gloves, batting (wicket keeping) inner gloves, wicket keeping gloves, batting pads, wicket keeping pads, box, chest pad, arm guard, inner thigh pad, cricket boots (bowling boots; batting boots), box (groin guard), stumps and bails.

For most sports events you will ever play you will require to have your very own set of whites. Cricket whites include white cricket trousers and a cricket shirt. It is therefore important that you get hold of a proper set of cricket trousers & also a nice white cricket shirt & jumper as it can quickly turn pretty cold if you are standing out on the pitch for a significantly long time particularly if you are playing in England (the start and end of the cricket season are the coldest). Get discount cricket equipment online today at Sportswear-Equipment.com.

If you can not rent kit from your club the other most critical items of equipment are a cricket bat and box. A good cricket bat is crucial if you hope to score countless of runs & is a very individual piece of cricket equipment, so spend a great deal of time selecting your bat, preferably you should go to a sports shop & test drive one before you buy in order for you to know how it feels to hit with. As soon as you know what you want you can often acquire bats online considerably cheaper). You need a good box to guard your groin from the ball, as getting hit down below’ is extremely painful, so investing in a good box before you start is a defiant must - you can’t bat without one.

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Pastry:

1 1/2 cups (375 ml) Five Roses All Purpose Flour

1/2 tsp (2 ml) salt

1/2 cup (125 ml) cold butter, cubed

1 egg

1 tsp (5 ml) white vinegar

cold water

Filling:

2 eggs

1 1/2 cups (375 ml) cooked, mashed sweet potato

1 1/4 cups (300 ml) coffee cream or milk

3/4 cup (175 ml) packed brown sugar

1 tsp (5 ml) cinnamon

1 tsp (5 ml) each salt and ginger

1/4 tsp (1 ml) each allspice, cloves and nutmeg

Pastry: Combine flour and salt in food processor, fitted with metal blade. Using pulse button, cut in butter until mixture resembles coarse crumbs. Beat egg and vinegar in measuring cup; add enough cold water to measure 1/3 cup (75 ml). Add to flour mixture and process until dough begins to clump. Press dough into a ball and refrigerate until chilled through. Roll pastry between two pieces of waxed paper. Line a 9-inch (23 cm) pie plate with pastry; chill for 15 min.

Filling: Beat eggs until foamy; blend in sweet potato, cream, brown sugar, salt and spices. Pour into prepared shell. Bake at 425F (220C) for 15 min,; reduce heat to 350F (180C) and bake for 40 min. longer or until tester inserted in center of pie comes out clean.

For “free” recipes call Five Roses at 1-800-561-3455 or visit www.fiveroses.ca.

- News Canada

About the Author

News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.

News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial “fill” items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.

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