Learn and Earn With Affiliate Marketing

Do not Be A Statistic; Learn And Earn Your Way To Success

Having invested four years or more of hard work in a degree, it is imperative that you maintain your skills and have work experience recorded on your resume. Use your marketing skills and earn money at the same time. Affiliate marketing will provide you with the opportunity to learn and earn.

I had been unemployed for a few months; every recruitment agency within a 20 mile radius had been bombarded with e-mails, phone calls and of course, had been provided with several copies of my CV. Never before have I been unemployed for such an extended period of time, and I have an extensive experience in my chosen field. The financial climate gives employers the upper-hand; This is an ideal opportunity for employers to choose the most experienced candidates, leaving those with less than perfect CV's at the back of the queue. I can only imagine what it must be like to be a student or graduate just out of university. I decided to trawl the internet for any home-based opportunities to earn some money, as my savings were being sapped, and my resources depleted. I spent a good week researching; affiliate marketing was the one opportunity that appeared to be legitimate. In the process, I had fallen foul to three scams; I did not lose a fortune, but any amount is too much when lost to a scam.

Affiliate marketing is the most lucrative online opportunity. It is not a get-rich-quick scheme, and you will not become a millionaire overnight; it requires hard work, dedication and motivation, but it is the ideal opportunity for those who might be unemployed, or anyone looking to top up their incoming, to tap into what is fast becoming, a booming industry.

Currently, there is no specific affiliate marketing degree or diploma, although this is likely to change with time. In simple terms, it is where a customer searches online for specific products and is directed by the affiliate to the required product via a link. The user clicks on the link and is driven direct to purchase the product or service on the seller (merchant) site. The seller pays the affiliate commission as a percentage of the total sales value and this can be anything from 15-75%. The affiliate must have the knowledge and know-how to find the right products for the right customers at the right time. Advertisers prefer to have their products marketed in this way because advertising costs only become effective when a sale takes place.

The golden rule of affiliate marketing is finding niche markets. A niche market is defined as a specific targeted product that satisfies the consumers requirements. It is highly specialized and requires much fine-tuning. Research is imperative; finding the right keywords will lead you to the right customers and products for that customer. It is possible to market a product in two ways; either by choosing a consumer and providing the product that consumer wants, or by providing a product and finding consumers to purchase that product. The affiliate finds the niche market, shows the product to sell, then chooses a marketing technique and then builds a campaign leading to action. It is possible to earn money online within any industry but the key is to provide the right product to the right person at the right time and for the right reason. Initially, you should promote a product, service or topic that you know something about, or at least, are interested in. You are more more likely to succeed if you are passionate about your subject; what graduate is not passionate about their subject?

You will benefit from joining an affiliate program initially; An affiliate marketing training program is the easiest and quickest way to lead you to success. There are hundreds of programs, and I have researched them all. Joining is usually free, and a reputable program should provide you with all the expert training, resources, research tools, market information, mentoring and support to ensure your success. The program should be able to turn marketers into sales machines, keep you ahead of the game and make you a force to contend with. Be aware of programs that expect you to pay considerable amounts to find out about what they offer. You would not pay a company to interview you; this information should be free. You will need to pay a membership fee for joining; this the norm, but in return your offer should include all the training and resources you need to start your business.

You will need products to promote, so will need to join an affiliate network. The beauty of affiliate marketing is that you do not need to invest in products to sell; you simply market and sell products already offered by merchants. Networks such as ClickBank, LinkShare and CJ.com are reputable networks. There are many networks to choose from; choose those offering a good rate of commission and confirmed payment method. These networks offer thousands of digital products but you will need to learn quickly how to master these networks and achieve the best possible sales potential.

You are far more likely to succeed in maximizing your potential through the use of your own website. Your website will provide you with an identity wherey you can market your products in your own style. You will also be able to target your products to specific markets and update your product offer when applicable. Your marketing efforts will be automated and therefore your earnings potential will be continuous. Websites can be built using free web development programs and do not need to cost the earth.

There are many marketing strategies you are able to use to promote your products; the affiliate program will train you to master these techniques. There are free marketing techniques and paid-for ones. Article marketing is a free marketing technique to get traffic to your email marketing campaign. By writing short articles and submitting them for distribution in the market you will achieve credibility. You will need to write unique, relevant quality content and also unique content. Every article contains a resource box and by-line, including the author's contact details. Writing good articles can achieve valuable backlinks to your site.

Other strategies include Pay-Per-Click, wherey you use advertising mediums such as Google AdWords to promote your offer. E-mail marketing will quickly build you opt-in mailing lists which are great for targeting specific products to customers at specified times, and you can utilize autoresponders to manage your e-mail campaigns. Search Engine Optimization is key to driving traffic to your website and achieving high page ranking with Google, Yahoo and MSN can bring huge amounts of traffic to your products.

Joining a program has other advantages; it will enable you to earn from the outset if you choose one offering promotion incentives; promote the program you have joined, and you are able to earn from day one. Take advantage of your skills and marketing capabilies; learn and earn to put that much-needed experience on your CV. I wish you the best of luck!

Make Money and Love It

Someone once told me that play is work that we enjoy. I began to wonder why people do not play at work. There is a stigma that surrounds the word work. It is a necessary evil; it forces you to work for your weekend - the time you enjoy; it is just to be endured. But I do not believe it. Work can be fun, sure there will still be tough days, but there is nothing wrong with looking forward to going to work on Monday. Many things factor into whether you will enjoy your work: the people, the environment, and the work itself. These factors can keep you from enjoying work, but when used to your benefit, they can also help you find and retain enjoyment at your work.

What you excel in doing will affect if you enjoy the work you do. This is because individuals find satisfaction in accomplishes. I am a great goal-setter, planner and executor. I worked for a company where I severely got to use any of those skills. Instead, my time was focused on encouraging people to do things that did not want to do, which required skills in reading people, customizing messages to each individual person, and being a cheerleader; none of which are my strengths. Knowing this, each day I would try to improve how I talked to people and to influence them to smile at customers, and each day when my goals were not reached I went home feeling like a failure. Being in an environment where you can use your strengths allows you to go home with a sense of accomplishment. Spending your day toiling in areas where you struggle, leaves you feeling empty.

Many books have been written that will help you discover your strengths and weaknesses. Some go so deep as to help you find your undering motivators. These are fantastic resources which I recommend. For now, however, I want to focus on a quick analysis.

Think of your best day at work where you felt a sense of accomplishment. What happened? What activities were you doing? Did you land a tough deal? Did you overt a crisis? Did you create a successful plan? What attributes did that day's activities have? By boiling it down you will find the basics of what you enjoy doing.

What do people say you are good at? Does your boss ever refer co-workers to you for advice because you do something well? Do people seek you out as the expert in certain activities? What do you get recognized for? These are all great indicators of your strengths.

What do you find yourself doing when you do not have to? Are there activities at work or home you find yourself participating in even though you do not have (are not required) to? I am constantly creating plans and setting milestones for projects I do outside of life. My friend will sit down and pound out a book in a day. My husband will design and build things, not because it needs to be done, but because he enjoys the process. Figure out what you enjoy that can be translated to work.

Just knowing what you are good at is not enough, it is important to understand what you do not do well. What do you dread doing at work? Do you avoid paperwork like it is the plague? Do you make as few client calls as possible? What activities do you do that never seem to measure up to the status quo? My first internship I asked to cold call potential investors to see if they would be interested in speaking with a broker. After four hours of cold calling I went home crying. Each time I made a call that day, I would feel apprehension: afraid they would ask a question I would not have the answer to; afraid they would be rude to me; afraid I would get yelled at. Talking to strangers and trying to sell a product was not my strength.

After you know what you do not do well, there are two things to do: either manage those weaknesses or avoid situations that require them. To manage a weakness you need to leakage other skills to help you do that activity to the (level of the) status quo. Do not expect to ever make your weaknesses a strength. That same time you could use practicing and improving your current strengths and yield a much higher return on investment. Look at the activities you do not do well and see if there are ways for you to do that activity a little differently and still achieve it. Some things you can avoid absolutely. Is there someone at work whose strengths compliment your weaknesses? Maybe you can share the work. Do you have the authority to hire someone to take on the work you do not do well so you can focus on your strengths? In my business I am good at the organizational management piece where my partner is better at the sales piece (remember my cold-calling experience). I focus on directing the vision of our organization while he brings in the business. Would this work for you?

By understanding your strengths versus your weaknesses, you can begin shaping your job to fit you (or finding a different career). You will find you have much more satisfaction after spending your day being successful versus struggling through a workday by trying to rely on weaknesses. And go ahead, play at work.

How to Turn a Website Into a Money Machine

Making money online requires four major elements.

1) A product or service that people are willing to pay for.

2) The technology infrastructure to enable prospects to find and interact with your business online.

3) Traffic bringing prospects to your site.

4) Converting those prospects into customers and collecting their money.

While all four elements need to be in place and working together in order to make money, the technology infrastructure is the most critical element because it supports the other three and creates the leverage that enables individuals to make five, six and even seven figure imports from their home based businesses.

The biggest misconception about the technology needed to make money is that having a website is enough. Nothing could be further from the truth.

A website is simply the first, albeit the most important, element required to make money. Typically a website consists of a hosting account (where one leases space on a web server), a URL or web address, and a few pages of information or sales copy about the product or service being offered.

However, to turn a website into a real online business requires the addition of a number of software applications to manage the various business functions required including: autoresponders for building a list, multimedia to improve sales and conversions, split-testing to measure and improve conversions , traffic tracking to optimize advertising and traffic strategies, credit card processing, and monitoring and reporting of critical business metrics.

Generally these are purchased as stand alone applications and added to a basic website in order to create a real online business. The total cost of all the additional technologies required is in the range of $ 2,000 to $ 4,000.

The major drawback to this approach is the time it takes to operate the online business, as it takes a great deal of time to jump from application to application to gather the operating data required to make operating decisions.

The solution to this problem is to retain a software engineer to connect, integrate and develop displays for the most important operating information. This can easily cost an additional $ 20,000 to $ 30,000.

The objective being to reduce the amount of time spent dealing with the technologies so more of your limited time can be invested in driving traffic and learning the important conversions skills required to convert prospects into customers.

Alex Mandossian, the uber successful Internet marketer said it best.

"The secret to making money online is Simple.

Do not spend any more than 10% of your time dealing with the technologies so you can spend 90% on traffic and conversion because that's where the money is made online. "

Then he finished with most important point.

"There's no money in learning and managing the technologies, unless you want to be a webmaster."

This means that you either need to hire a professional webmaster to set up and manage the technologies required to operate your online business (so you can focus on getting traffic and converting it into customers) ... OR you need to get one of the integrated applications that provide all the technologies ready to go.

Not only do these applications combine all the technologies into one easy to use application that let's you focus on traffic and conversion, but they cost 80% to 90% less than purchasing all the technologies separately.

Bottom line, the best way to turn your website into a money machine is to purchase one off the shelf. It's far faster, much cheaper and will make you a lot more money.

Please visit www.YourFirst50K.com [http://www.yourfirst50k.com] for more information & to receive your FREE copy of my ebook titled "How to Make Your First $ 50,000 Online"

Hacksaw, Handles & Blades - No, You Don't Know How to Use One

Hacksaws are one of the most common hand tools. Nearly everyone owns one, and if you don't have one, you need to buy one. Hacksaws are inexpensive and very economical to use. But most of you never use it because the one time you tried to use it things didn't go well. You broke the hacksaw blade, the blade kept falling out of the handle, or it kept getting stuck in the piece you were trying to cut. If you did manage to get the piece cut, it took forever and the cut ended up crooked.

The main reasons most people have difficulty when sawing metal with a hacksaw are:

You have the blade in wrong

You aren't using a sharp blade

There is too much flex in the blade

The number of teeth is to low for the project

You are putting too much pressure on the saw

You don't clamp the work.

I will cover each of these difficulties as you and I go through this article.

Hacksaws and hacksaw blades are designed to cut metal (I will tell you how to use it to cut wood and plastic) and most people find cutting metal very difficult and frustrating. The reason, most of the time, is that they don't really know how to use the metal hacksaw.

What is a Hacksaw?

A hacksaw is a metal frame designed to hold a tempered metal blade. The blade is typically 1/2 inch high and the majority of them are 12 inches long. The blade has a hole on each end that fits into pins on the hacksaw. Hacksaws are designed to cut on the push stroke. The handle (grip) on a properly designed saw is angled just right so you put a little pressure on the blade when you push it through the material you are cutting. Even though some so-called "experts" will tell you that you can put the blade in the other way a hacksaw does not work well if you have the blade in backwards.

Do you need a Hacksaw?

You can cut almost anything with a hacksaw. Although it was designed to cut metal, you can use it to cut plastic, wood, metal tubing, aluminum, copper, and brass. It works very well to cut electrical tubing (conduit), BMX (flexible metal tubing), plastic water pipe, (PVT & CVT) and even nuts and bolts. You can use it to cut a 2X4 in a pinch and with the right blade porcelain tile.

Setting up the Hacksaw to Cut.

Step 1. Determine which blade you will use to cut the material. Use a 32 t.p.i. blade for conduit, an 18 tooth blade for cutting off a bolt or plastic pipe and an 8 tooth for wood. In practice you want at least three teeth in contact with the material at any time. If you are cutting deeper than the depth of the blade use a blade that has wavy teeth. The wavy blade leaves a wider slot (kerf) that keeps the blade from sticking in the groove you are cutting.

You can use it to cut wood. It will cut a lot slower than a wood saw, but it works if you don't have anything else. Use a 8 or 10 tooth blade and mark the cut line on the board both horizontally and vertically. Use the horizontal mark to make you initial cut (groove) and the vertical mark to keep your cut straight. Take your time and don't put a lot of pressure on the hacksaw.

Step 2. Insert the blade so that the teeth are pointing forward. If you can't see this, rub your finger gently over the teeth of the blade.

You will feel the teeth "grip" your finger. Put the blade so it grips when you push the saw. The holes of the blade go into the pins on the bottom of the frame. Many hacksaws are designed to take different length blades so if you have an adjustable frame you may have to shorten or lengthen the frame to fit your blade.

The teeth should try to "grab" your finger when pushed. If they don't feel sharp, the blade is dull and should be replaced. Blades are inexpensive so don't be afraid to replace it.

Step 3. Tighten the thumbscrew until you can't turn it with your hand (Hand tight) This amount of tension on the blade should keep the blade from bowing as you cut. Sometimes when I am have problems with the blade falling off, I will tighten it another 1/4 turn with a pliers.

Ok, Let's Cut Something.

I am going to use a metal pipe for this example. It is easy to cut and once you get a little experience using the hacksaw, cutting metal will be a breeze.

To really use a hacksaw well you need to clamp your work. I have a vise on a workbench that I usually use.

If you don't have a vise, screw a 2X4 onto your bench and hold the pipe against the 2X4 with your left hand. When possible use a vise or clamp to secure the metal you want to cut.

Step 1. To use a hacksaw properly, grip the frame with both hands. (I am right handed so I grab the handle with my right hand and use my left hand to hold the other end of the saw.) Hold the hacksaw so that your right hand index finger is pointing ahead to help guide the saw. As you push the blade (forward stroke) use your left hand to guide the saw so that it cuts straight. DO NOT use your left hand to apply pressure, just use it to guide your cut. Use most of the blade. If you apply pressure on the forward stroke with your left hand the teeth will usually grab too much and the saw will "stick". Again a hacksaw handle is angled to give you the proper down pressure on the blade.

Step 2. When you get to the end of the forward stroke, stop and pull the saw back with your right hand. As you pull back don't apply any pressure with your right hand. (It only cuts in the forward direction and putting pressure on the return stroke will just wear out the blade prematurely). A lot of teachers will make you lift the saw on the return stroke so you don't destroy the blade. Move your body forward and back as you cut, pressing on the forward stroke and easing off on the return one.

Step 3. Repeat this until you saw all the way through the pipe. With a little practice you will be able to cut at about 1 stroke every second. Don't stroke any faster than this because it will create too much heat and again wear out the blade prematurely.

Don't put too much pressure on the blade. You may have to break a blade or two before you get the feel of how much pressure you can apply. Don't worry, they are cheap. Don't saw too quickly as that can cause the blade to break as well. Always check to make sure that the blade is secured tightly in its frame.

Reviews. Or Don't buy one at Wally World

Believe it or not, I could tell you a lot more about using a hacksaw, but this is enough to get you cutting properly. Buy a good quality hacksaw I recommend on my website. Even the cheap one I recommend is good quality and will last you years. With a quality saw it won't take long before you get good at using one.

DON'T buy a cheap one at the local dollar store. Why? The hacksaw handle has to be strong enough to keep the blade tensioned correctly and the cheap ones will give you nothing but years of frustration. Also buy a hacksaw with the handle tilted like the Stanley 150565. Some hacksaws have a straight handle and are very hard to use for a beginner.

Blades are cheap, so buy a box of them in at least two "teeth" numbers (32 teeth for metal conduit and 18 teeth for solid steel, plastic pipe and general use. But don't buy cheap blades. The cheap blades are too brittle and you will end up breaking a lot of them. A good hacksaw blade cuts on it's own with very little pressure from you so change the blades as soon as they get dull. To tell if a blade is dull pull your finger over the blade. If it is still sharp the teeth will try to "catch" on your finger. A dull blade won't. I prefer Milwaukee blades because they will flex without breaking, and last a long, long time compared to the cheap blades. Better yet, buy two inexpensive hacksaws and keep different blades on each. Dull, worn blades take a lot of work to cut an item, so change them as often as you would a utility knife or razor blade.

Follow the link below for ToolBoxHero to buy your new Hacksaw, read reviews and get more information:

What Type Of Life Insurance Is Best?

Life Insurance (although it should not be) is to this day a very controversial issue. There seems to be a lot of different types of life insurance out there, but there are really only two kinds. They are Term Insurance and Whole Life (Cash Value) Insurance. Term Insurance is pure insurance. It protects you over a certain period of time. Whole Life Insurance is insurance plus a side account known as cash value. Generally speaking, consumer reports recommend term insurance as the most economic choice and they have for some time. But still, whole life insurance is the most prevalent in today's society. Which one should we buy?

Let's talk about the purpose of life insurance. Once we get the proper purpose of insurance down to a science, then everything else will fall into place. The purpose of life insurance is the same purpose as any other type of insurance. It is to "insure against loss of". Car insurance is to insure your car or someone else's car in case of an accident. So in other words, since you probably could not pay for the damage yourself, insurance is in place. Home owners insurance is to insure against loss of your home or items in it. So since you probably could not pay for a new house, you buy an insurance policy to cover it.

Life insurance is the same way. It is to insure against loss of your life. If you had a family, it would be impossible to support them after you died, so you buy life insurance so that if something were to happen to you, your family could replace your income. Life insurance is not to make you or your descendants rich or give them a reason to kill you. Life insurance is not to help you retire (or else it would have called retirement insurance)! Life insurance is to replace your income if you die. But the wicked ones have made us believe otherwise, so that they can overcharge us and sell all kinds of other things to us to get paid.

How Does Life Insurance Work?

Rather than make this complicated, I will give a very simple explanation on how and what goes down in an insurance policy. As a matter of fact, it will be over simplified because we would otherwise be here all day. This is an example. Let's say that you are 31 years old. A typical term insurance policy for 20 years for $ 200,000 would be about $ 20 / month. Now ... if you wanted to buy a whole life insurance policy for $ 200,000 you might pay $ 100 / month for it. So instead of charging you $ 20 (which is the true cost) you will be overcharged by $ 80, which will then be put into a savings account.

Now, this $ 80 will continue to accumulate in a separate account for you. Typically speaking, if you want to get some of your money out of the account, you can then BORROW IT from the account and pay it back with interest. Now ... let's say you were to take $ 80 dollars a month and give it to your bank. If you went to withdraw the money from your bank account and they told you that you had to BORROW your own money from them and pay it back with interest, you would probably go clean upside someone's head. But somehow, when it comes to insurance, this is okay

This stems from the fact that most people do not realize that they are borrowing their own money. The "agent" (of the insurance Matrix) rarely will explain it that way. You see, one of the ways that companies get rich, is by getting people to pay them, and then turn around and borrow their own money back and pay more interest! Home equity loans are another example of this, but that is a whole different sermon.

Deal or No Deal

Let us stick with the previous illustration. Let us say the one thousand 31 year olds (all in good health) bought the aforementioned term policy (20 years, $ 200,000 dollars at $ 20 / month). If these people were paying $ 20 / month, that is $ 240 per year. If you take that and multiply it over the 20 year term then you will have $ 4800. So each individual will pay $ 4800 over the life of the term. Since one thousand individuals bought the policy, they will end up paying 4.8 million in premiums to the company. The insurance company has already calculated that around 20 people with good health (between the ages of 31 and 51) will die. So if 20 people pass away, then the company will have to pay out 20 x $ 200,000 or $ 4,000,000. So, if the company pays out $ 4,000,000 and takes in $ 4,800,000 it will then make a $ 800,000 profit.

This is of course OVER simplifying because a lot of people will cancel the policy (which will also bring down the number of death claims paid), and some of those premiums can be used to accumulate interest, but you can get a general idea of ​​how things work.

On the other hand, let's look at whole life insurance. Let us say the one thousand 31 year olds (all in good health) bought the aforementioned whole life policy ($ 200,000 dollars at $ 100 / month). These people are paying $ 100 / month. That is $ 1200 per year. If the average person's lifespan (in good health people) goes to 75, then on average, the people will pay 44 years worth of premiums. If you take that and multiply it by $ 1200 you will get $ 52,800. So each individual will pay $ 52,800 over the life of the policy. Since one thousand individuals bought the policy, they will end up paying 52.8 million in premiums to the company. If you buy a whole life policy, the insurance company has already calculated the probability that you will die. What is that probability? 100%, because it is a whole life (till death do us part) insurance policy! This means that if everyone kept their policies, the insurance company would have to pay out 1000 x $ 200,000 = $ 2,000,000,000) That's right, two billion dollars!

Ladies and gentleman, how can a company afford to pay out two billion dollars knowing that it will only take in 52.8 million? Now just like in the previous example, this is an oversimplification as policies will lapse. As a matter of fact, MOST whole life policies do lapse because people can not afford them, I hope you see my point. Let's take the individual. A 31 year old male bought a policy in which he is suppose to pay in $ 52,800 and get $ 200,000 back? There is no such thing as a free lunch. The company somehow has to weasel $ 147,200 out of him, JUST TO BREAK EVEN on this policy! Not to mention, pay the agents (who get paid much higher bills on whole life policies), underwriters, insurance fees, advertising fees, 30 story buildings ... etc, etc.

This does not even take into account these variable life and universal life policies that claim to be so good for your retirement. So you are going to pay $ 52,800 into a policy and this policy will make you rich, AND pay you the $ 200,000 death benefit, AND pay the agents, staff and fees? This has to be a rip off.

Well, how could they rip you off? Maybe for the first five years of the policy, no cash value will accruate (you may want to check your policy). Maybe it's misrepresenting the value of the return (this is easy if the customer is not knowledgeable on exactly how investments work). Also, if you read my article on the Rule of 72 you can clearly see that giving your money to someone else to invest can lose you millions! You see, you may pay in $ 52,800 but that does not take into account how much money you LOSE by not investing it yourself! This is regardless of how well your agent may tell you the company will invest your money! Plain and simple, they have to get over on you somehow or they would go out of business!

How long do you need life insurance?

Let me explain what is called The Theory of Decreasing Responsibility, and maybe we can answer this question. Let's say that you and your spouse just got married and have a child. Like most people, when they are young they are also crazy, so they go out and buy a new car and a new house. Now, here you are with a young child and debt up to the neck! In this particular case, if one of you were to pass away, the loss of income would be devastating to the other spouse and the child. This is the case for life insurance. BUT, this is what happens. You and your spouse begin to pay off that debt. Your child gets older and less dependent on you. You start to build up your assets. Keep in mind that I am talking about REAL assets, not fake or phantom assets like equity in a home (which is just a fixed interest rate credit card)

In the end, the situation is like this. The child is out of the house and no longer dependent on you. You do not have any debt. You have enough money to live off, and pay for your funeral (which now costs thousands of dollars because the DEATH INDUSTRY has found new ways to make money by having people spend more honor and money on a person after they die then they did while that person was alive). So ... at this point, what do you need insurance for? Exactly ... absolutely nothing! So why would you buy Whole Life (aka DEATH) Insurance? The idea of ​​a 179 year old person with grown children who do not depend on him / her still paying insurance premiums is asine to say the least.

As a matter of fact, the need for life insurance could have been greatly decreed and quickly eliminated, if one would learn not to accumulate liabilities, and quickly accumulate wealth first. But I realize that this is almost impossible for most people in this materialistic, Middle Classed matrixed society. But anyway, let's take it a step further.

Confused Insurance Policies

This next statement is very obvious, but very substantial. Living and dying are exact opposites of each other. Why do I say this? The purpose of investing is to accumulate enough money in case you live to retire. The purpose of buying insurance is to protect your family and loved ones if you die before you can retire. These are two diametrically opposed actions! So, if an "agent" waltzes into your home selling you a whole life insurance policy and telling you that it can insure your life AND it can help you retire, your Red Pill Question should be this:

"If this plan will help me retire securely, why will I always need insurance? And on the other hand, if I will be broke enough later on in life that I will still need insurance, then how is this a good retirement plan?"

Now if you ask an insurance agent those questions, she / he may become confused. This of course comes from selling confused policies that do two opposites at once.

Norman Dacey said it best in the book "What's Wrong With Your Life Insurance"

"No one could ever quarrel with the idea of ​​providing protection for one's family while at the same time accumulating a fund for some such purpose as education or retirement. But if you try to do both of these jobs through the medium of one insurance policy, it is inevitable that both jobs will be done badly. "

So you see, even though there are a lot of new variations of whole life, like variable life and universal life, with various bells and whistles (claiming to be better than the original, typical whole life policies), the Red Pill Question must always be asked! If you are going to buy insurance, then buy insurance! If you are going to invest, then invest. It's that simple. Do not let an insurance agent trick you into buying a whole life policy based on the assumption that you are too incompetent and undisciplined to invest your own money.

If you are afraid to invest your money because you do not know how, then educate yourself! It may take some time, but it is better than giving your money to somebody else so they can invest it for you (and get rich with it). How can a company be profitable when it takes the money from it's customers, invests it, and turns around and gives it's customers all of the profits?

And do not fall for the old "What if the runs runs out and you can not get re-insured trick". Listen, there are a lot of term policies out there that are guaranteed renewable until old age (75-100). Yes, the price is a lot higher, but you must realize that if you buy a whole life policy, you will have been duped out of even more money by the time you get to that point (if that even happens). This is also yet another reason to be smart with your money. Do not buy confused policies.

How much should you buy?

I normally recommend 8-10 times your annual income as a good face amount for your insurance. Why so high? Here is the reason. Let's say that you make $ 50,000 per year. If you were to pass away, your family could take $ 500,000 ($ 10 times $ 50,000) and put it into a fund that pays 10 percent (which will give them $ 40,000 per year) and not touch the principle. So what you have done is replaced your income.

This is another reason why Whole Life insurance is bad. It is impossible to afford the amount of insurance you need trying to buy super high priced policies. Term insurance is much cheaper. To add to this, do not let high face values ​​scare you. If you have a lot of liabilities and you are worried about your family, it is much better to be underinsured than to have no insurance at all. Buy what you can manage. Do not get sold what you can not manage.

Speed ​​Up a Computer - The Specific Methods to Speed ​​Up a Computer

When talking about how to speed up a computer, most users like to use anti-virus software first. If there is not any virus in the computer, what will you do to speed up computer? Well, this is what I want to tell you in this article because you can learn some specific methods to solve slow computer problems.

Although your computer is still working well, you also need to read this article because there are many ways to speed up computer that you may not know before.

In "My Computer" - "Properties" - "Advanced", click "Settings" in the "Startup and Recovery" tab and cross out "Write an event to the system log", "Send an administrative alert" and "Automatically restart" and then set "none" in the "Write debugging information".

It is wise for you to disable error reporting. As for "Error reporting", in "My Computer" - "Properties" - "Advanced", click "Error reporting" to choose "Disable error reporting" and tick "But notify me when critical errors occur" and then click "OK" . By forbidding these functions, you can improve computer speed a lot.

Close down the function of "Automatic Updates". In the "My Computer" - "Properties" - "Automatic Updates", you can choose to "Turn off Automatic Updates" so that you can update computer manually. And you can turn off "Remote Desktop". Right-click "My Computer" and click "Properties" - "Remote". In this tab, you can cross out "Allow users to connect remotely to this computer".

Beside, close down the function of "Automatically synchronize with an Internet time server". Click "Start" - "Control Panel" - "Date, Time, Language, and Regional Options" - "Date and Time". In the "Internet Time" tab, you can cancel "Automatically synchronize with an Internet time server". Or you are supposed to use using excessive serving components. Right-click "My Computer" - "Manage" - "Services and Applications", in the right windows, you can disable the unnecessary service or set it manually.

Why Are Computers A Necessity Now?

Computer systems now a days are everywhere. We can find that in places we can not see or would not expect to find them. This gadget are no longer specialized tools used only by scientists or engineers like before. They are not hidden behind sealed-walls under a climate-controlled environments anymore. They are a fact of life that companies can not live without and even individuals like us. It is a common thread that ties together our education, work, and home life. Thus, computer literacy becomes significant, with computers touching almost every facet of our lives. But why is it that computer literacy is very cruel?

Why do we need to spend time and energy studying books, enrolling to computer crash course, and becoming "computer literate?" Technically, to be "literate" means to have knowledge of that subject, wherein you understand its basic terms and concepts. We are not born with such knowledge and abilities, but it is hard to imagine living without computer skills today. Considering the fact that Computers are an essential part of business today, whether you are an auto mechanic or a surgeon, a journalist or a pilot. Like cars, that take us to work everyday, we also rely on computers more with each passing year. If there are still who do not use computers regularly, chances are great that you will soon.

But who will be the one to benefit from computer literacy? First, is the increased employability. Here, the basic computer knowledge along with specific job skills are mainly considered by the employers because a person would be more trainable in and adaptable to the computerized work environment. Next, is greater earnings potential, wherein, as you increase your computer skills, you become more valuable worker, especially if focused on high-tech skills like programming, software / network administration, hardware maintenance and many more. However, it does not follow that you must be a computer expert to increase your earnings. Skills that involve application of the computer to specific tasks are highly valued. Another benefit is that, it has a greater access to resources. Always bear in mind that computers are incredible learning tools, especially when you have access to data on CD-ROMs or the Internet. PC can be used to access vast knowledge bases on almost any topic, search archives of information dating back decades, even take online courses for credit.

You will also have a greater control of your assets, by using the power of the Internet and even a little knowledge only of computers, you can manage your personal finances and indulge your interests in ways that were not possible back years ago. Here, you can control of every dollar you earn through online banking and investing. Online shopping as also another benefit that makes it easier to buy something without tiring yourself & spending so much time going to stores with yourself. There are also new technologies that enable you to monitor your entire household via PC - to set your air conditioner or alarm clock, start your coffee maker or sprinklers, and even activate your alarm system. With this range of growth of computer technologies, we can not deny that we now live in an information society - where information is considered to be an extremely valuable community. The key players in this information-based economy are those who control important information, or those who simply know how to access and uses it. Computer knowledge and skills you can build with that literacy are vital to success in this society, not just in our working lives, but in the ways we learn, manage our finances, and improve our standard of living.

Although there are still many professions that do not rely on computers, they are becoming fewer all the time. Remember that computers do not need to take the form of PC, so there is a good chance that your career path will bring you in contact with some type of computer because many of the tools in today's' workplace are computer technology. That's why it is very important to have a basic understanding of computer technology. No matter what your career choice is, you can benefit from a knowledge of computer hardware and software, and how these components function together. Even your job does not require you to work directly with a computer, this knowledge may help you to envision new ways of using computers in your work, that would result in a more productive work environment. This can also lead you to career advancement opportunities. But still, if you think that this case is overstated, that computers are not being used that much, you should consider that computers are popping up in places & professions that my seem unintentionally.