Candraokey: July 2012

The Hurrier I Go the Behinder I Get

When are Social Security checks potentially loans and not benefits? Why, when you have "excess earnings" of course. In today's economy, many senior citizens still work during their "retirement" either because they want to or, all too often, because they must to make ends meet. Retirees who want to work as well as collect social security retirement benefits must plan their compensation carefully if they want to avoid losing some or all of their social security benefits.

In order to collect social security "old age" benefits, you must be "retired." Congress has reasoned that if you earn more than a specified amount, you are not "retired" and, therefore, are subject to having some or all of your benefits eliminated. Congress does allow you some earnings before your benefits are jeopardized.

The amount of allowable earnings depends on your age. If you are over 65, there is no limit on the amount you may earn and still collect your full benefit. If you are at least 62, but younger than 65, you may earn up to $12,480 in 2006 before your benefits are affected. The earnings limit is adjusted each year for inflation. If you earn in excess of the limit, you must repay some or, potentially, all of the benefits you receive. For every $2 you earn over the $12,480 limit, you must give up $1 of benefits.

A special rule applies in the year in which you retire. In the initial retirement year, no matter how much is earned for the year, no benefits will be lost for any month in which you earn $1,040 (1/12 of $12,480) or less.

For purposes of the retirement test, "earnings" are defined as "wages" earned as an employee or the "net earnings" of a self-employed person. The earnings must result from work performed after retirement. "In kind" payments of goods or services in exchange for work are considered earnings. Retirement plan distributions, rents, capital gains, interest, dividends and other investment-related income do not count as "earnings" for this purpose. You are required to report estimated earnings in excess of the limits. Benefits are then adjusted to reflect the amount owed, based on the estimate. Actual earnings figures should be reported by April 15 of the following year. Further adjustments may then be made based on actual results.

An example will illustrate how Social Security benefits are reduced when a retiree has "excess earnings." Mr. Baker is a 63 year old retired carpenter who receives $500 per month in social security benefits. During 2006 Mr. Baker earns a net of $14,000 for some cabinets he makes and sells. Mr. Baker's Social Security benefit will be reduced by $760 ((14,000 –12,480)/2).

This brief article is no substitute for a careful consideration of your unique personal situation. Before making any significant retirement planning or tax strategy, consult your financial planner, attorney or tax advisor, as appropriate.

Premier Online Tool Show for Machining and Manufacturers Resources

The mission of www.OnlineToolShow.com is to provide manufacturers and distributors with a very affordable 24/7 online industrial trade show booth to exhibit their latest technology and special product offering(s) to a worldwide audience of potential buyers.

All booths are the same size, creating a level playing field for all exhibitors. Cost is kept low because we do not believe it makes sense to recreate your website on ours. Once interested, a buyer can simply link directly from your online tool show booth to your website instantly for additional information or to place an order.

For the buyer, www.OnlineToolshow.com is a user friendly door to a 24/7 accessible marketplace where you can find tooling suppliers of needed new technology that will sharpen your competitive edge or find favorably priced equipment, products, and services for which you presently have a need.

We are providing a GLOBAL, 24/7, industrial tool show to exhibit your product(s) and services so that potential buyers may find your company booth quickly, easily, any most importantly at their convenience, anytime day or night.

We have made it as easy as possible to find exactly what you are looking for. There are multiple searches and indexes to help you quickly navigate to a specific manufacturer, product, or service booth.

How Is Your Anxiety Today?

Anxiety Disorders Defined
There are several subgroups of Anxiety Disorders, with different causes and treatement. Anxiety disorders are a serious social and financial concern to American business, since they cost the country more than $42 billion a year in healthcare costs and lost productivity, according to "The Economic Burden of Anxiety Disorders," a study published in the Journal of Clinical Psychiatry.

More than $22.84 billion is spent on healthcare services, as those with anxiety disorders seek relief for emotional distress and physical symptoms. Sufferers are 300 to 500 percent more likely to go to the doctor and 600 percent more likely to be hospitalized for psychiatric disorders than non-sufferers. Anxiety disorders are the most common psychiatric illness and affect both children and adults. They develop from an interaction of numerous risk factors, including personality, genetics, brain chemistry, and life stress. Approximately 19 million adult Americans suffer from anxiety disorders. Anxiety disorders are highly treatable, yet only about one-third of those suffering from them receive treatment.

The main feature of Generalized Anxiety Disorder is excessive, unrealistic and uncontrollable worry about everyday events. This constant worry affects daily functioning and brings physical symptoms. GAD can occur with other anxiety disorders, depressive disorders, or substance abuse. It can be misdiagnosed because it lacks some of the dramatic symptoms, such as unprovoked attacks of panic, that are seen with other anxiety disorders. For a diagnosis to be made, uncontrollable worrying occur more days than not for at least 6 months.

The focus of GAD is fluid, shifting unpredictably from job issues, finances, health of both self and family, and smaller issues such as chores, car repairs and being late for appointments. The intensity, duration and frequency of the worry are disproportionate to the issue and interferes with the sufferer's daily life. Physical symptoms can include muscle tension, sweating, gastrointestinal symptoms such as diarrhea and/or nausea, cold and clammy palms, the feeling of having a "lump in the throat" and difficulty swallowing. Sufferers are irritable and complain about feeling on edge, tire easily tired and have trouble sleeping.

Obsessive-Compulsive Disorder is characterized by persistent, recurring thoughts (obsessions) that reflect exaggerated anxiety or fears; typical obsessions include worry about being contaminated or fears of behaving improperly or acting violently. The obsessions may cause the individual to perform a rituals or routines to relieve the anxiety, such as excessive handwashing, checking appliances, repeating phrases or hoarding

People with Panic Disorder suffer severe acute attacks of panic for no apparant reason, which may mimic the symptoms of a heart attack or cause them to feel they are losing their minds. Symptoms include heart palpitations, chest pain or discomfort, sweating, trembling, tingling sensations, feeling of choking, fear of dying, fear of losing control, and feelings of unreality. Panic disorder is often accompanied by agoraphobia, in which people are afraid of having a panic attack in a public place, so they become afraid to leave the safety of their controlled home environment. Posttraumatic Stress Disorder can follow a traumatic event such as a sexual or physical assault, witnessing a death, the unexpected death of a loved one, or natural disaster. There are three main symptoms associated with PTSD: "reliving" of the traumatic event (such as flashbacks and nightmares); avoidance behaviors (such as avoiding places and other reminders related to the trauma) and emotional numbing (detachment from others); and physiological arousal such difficulty sleeping, irritability or poor concentration.

Social Anxiety Disorder is characterized by severe anxiety about being judged by others or behaving in a way that might bring ridicule or embarrassment. This intense anxiety may lead to extreme shyness and avoidance of social situations. Physical symptoms associated with this disorder include faintness, heart palpitations, blushing and profuse sweating.

Anxiety disorders also include Specific Phobias, an intense and unreasonable fear of specific objects or situations, such as spiders, dogs, or heights. The disproportionate level of fear is recognized by the sufferer as being irrational. It can lead to the avoidance of common, everyday situations. Patients often have more than one anxiety disorder, and sometimes other illness as well such as depression or substance abuse.

Treatment of anxiety disorders includes support groups, cognitive behavioral therapy (CBT), exposure therapy, anxiety management and relaxation techniques, and psychotherapy. Drugs therapy used to treat anxiety disorders includes benzodiazepines, selective serotonin reuptake inhibitors (SSRIs), tricyclic antidepressants, monoamine oxidase inhibitors (MAOIs) and beta-blockers. Often a combination of the two therapies is more useful than one exclusively. Up to 90 percent of patients will show improvement of their symptom from medical treatment.

Hints And Tips For Starting A Home Business

So you've decided to start a home business; what is the next step? Creating your very own business enterprise is a giant leap, and will initially take a great amount of planning, time, and most of all, patience. However, learning the basics of the home business world beforehand can save you much of the hassle and frustration that comes with the home-based biz territory. And best of all, in the end, you will be truly rewarded for your efforts.

You must be prepared to treat your home business like an actual "business." Even though you are not leaving the comfort of your own home each and every day, realize that this is your job now. Your house is your new place of employment. Many home-based businesses fail because their creators cannot seem to adjust to working in the home environment, as they struggle to commit to their new found freedom. A strong work ethic and positive attitude can go a long way in home business development.

Decide the type of home business that you would like to create. Would you like to sell a product, promote a program, or offer a service? Brainstorm and think of an idea that is well-suited for you, and accompanies your interests. Also think of a business that will implement your strengths as a business professional. You must keep in mind that this is a business that you visualize yourself participating in for the long run. Sometimes, the obvious can be the best choice!

Assembling a viable home working environment is a must if you hope to accomplish any of your chosen goals. A comfortable chair and desk are essential, as well as, common office supplies. Pens, notebook and computer paper, folders, and binders are just a few necessities for the home business boardroom. A current computer and system are also a must have. This computer should first be equipped with basic database and word processing programs. A large percentage of business operates solely through the web, so an internet connection is extremely important. High speed and broadband connections are recommended for those in the business world.

Be prepared to present a professional image for your new company. If you expect to be treated as a business peer, you must always act with professionalism, especially when dealing with your clients and the public. It is a good idea to separate your personal and business accounts. Opening a different bank account for your home business is advised. Professional marketing materials promoting your business are also recommended. Company letterhead, business cards, envelopes, and a unique logo are a great way to distinguish yourself from your competitors, while also advertising your newly formed enterprise.

Choosing a Company Name

When forming a limited company the name of the company can be an important decision. Some people may choose the first name that they think of and others may select a ready made company for speed or because they like a particular name. However, many businesses may prefer to select a company name that either clearly distinguishes itself from its competitors or contains something unique or personal. Company names can be chosen for different reasons.

One of the most common ways of selecting a company name is to use something personal. A quick look through your local newspaper will probably introduce you to many personalised business names. Johnson Consulting Limited, T Smith & Son Limited, Stephens & Barley Limited are some fictional examples of what may be found. This may instantly make a company recognisable locally, it can be deemed as more personal by its customers, and often works well within geographical areas. However, it does little to tell new customers what your company does.

A popular choice for a small business is to choose a name that is 'descriptive'. This tells prospective clients exactly what your company does. Examples of this may be to call your business The Window Company Limited, City IT Consultants Limited or The Advertising Agency Limited. Whilst this does serve to reinforce your primary business it offers little differentiation and may easily be adapted by competitors.

A less personal option is to use a company name that is 'associative'. This type of company name helps to create an image or connection to your business activity. It is less direct than using a descriptive name but helps to position your company's name within the market through peoples understanding of what words mean. For example a flick through the Yellow Pages will offer plenty of examples of this. A hairdresser called Classic Cuts or a printer called Selectaprint Limited are examples of what may be found. These names offer some differentiation but may not ultimately set your company aside from its competitors.

An alternative is to choose a company name that is 'freestanding'. These names are completely abstract and not related to the companies business activities. A fictional example may be to call your catering company Zedoc Limited. There are many popular brand names that illustrate this point. Consider, Kodak, Gillette, or Mars, these names will probably be instantly recognisable to you and conjure up a particular product or business. This is a good way of setting your company aside from the competition but it is important to consider the market that you operate in. Will your prospective clients know what your business is offering?

Choosing a company name may be a simple process, but it is not uncommon for people to deliberate over names for quite some time. Whilst company names can, and often are, changed during the life of the company most people like to choose a name that they like from the outset. Therefore consider your market, how much you want to differentiate from your competitors and what your company name should say about your organisation. Once the decision is made focus on the important business of making your company a success.

Strong associations lead to stronger business

Affiliate internet marketing is a very recent development and is soon gaining solid grounds. Affiliate marketing allows you to get associated with leading bloggers and website owners ready to promote your services or products.

If you indulge in affiliate internet marketing there are no chances of you losing money. All the money you invest will surely bring you results, because in affiliate internet marketing you only pay on basis of performance. You only have to pay only when a lead is converted or sales takes place through affiliate marketing.

To run unbeaten affiliate programs, you need a dedicated team of professionals monitoring the program on daily basis. In absence of this you will not get the needed results.

At Oms3, we have a team of committed affiliate managers who can cultivate and promote your affiliate marketing programs. They have the know-how and solid network in the industry. Years of experience in the market have helped them build solid contacts in various industries.

Oms3 affiliate marketing service includes affiliation with popular blogers who are well trusted by the people, participating in various on-line forums and submitting articles in various community sites, affiliation and super affiliate recruitment, buying and selling of media, banner design and appropriate placement, landing page creation, connecting your site to relevant sites similar to your through back links, landing page creation, etc.

Moreover as you only pay on the basis of performance, your investments are bound to reap higher profits. You have to pay only when any of the affiliation clicks and leads to sales.

Our main focus is to help you build stronger and more amenable relations with your affiliates. This helps to develop strong mutually beneficial relations which lead to a win-win situation. In terms of money also, you can avail our services at fairly decent rates compared to others in the market.

Contact us right away.

0 APR Credit Card - Truths and Traps

If you are struggling with ever-increasing credit card debt, a 0 APR credit card could be the magic wand for you. There are a number of 0 APR credit cards in the marketplace. These 0 Interest credit cards offer cardholders zero percent on new purchases and certain 0 APR credit card offers also allow balance transfers, lowering the interest burden even further.

The Truth About 0 APR Credit Cards

These types of 0 APR credit cards are offered by popular credit card lenders including American Express, Citibank, Chase, HSBC, and Discover. These cards have many benefits to offer if you have a good to excellent credit rating.

Keep in mind, that the zero percent offered with these cards is not permanent. It is an introductory rate and is typically offered for ninety days to as long as 12 months. At the end of the interest-free or zero percent periods, cardholders will have to pay a higher ongoing interest rate. Generally, these rates could vary between 10 % - 14% and sometimes can be as high as 24%.

A 0 APR credit card is ideal when you want to purchase something expensive but cannot find another way to finance it. There will be no interest charges for the in and you will have the introductory buffer period to pay off the expense. But buyer beware ... make sure you can pay the purchase off before the introductory APR expires.

Most 0 Interest credit cards allow balance transfers from your existing higher interest cards and many will waive the transfer fees. This is one of the best methods to pay off debts at a faster rate, leading to substantial savings on the interest charges incurred.

It is possible that a single credit card can have multiple APRs including the following:
1) One APR for balance transfers, one for purchases, and one for cash advances – the APR normally would be higher for cash advances compared to balance transfers and purchases.
2) Tiered APRs – Different APR levels can be assigned for different account balance levels or tiers, e.g., 15% for balances between $1 - $500 and 17% for balances higher than $500, etc..
3) Introductory APR – 0 APR as the introductory offer and a higher rate upon expiration of the introductory period.
4) Penalty APR – A penalty APR rate may apply if you are late with your payments.

The Traps to Watch Out For:
A 0 APR credit card is an attractive proposition, and often is too tempting an offer to resist. However, it is essential to be informed about the often-untold catches in these lucrative offers.

1. The 0 APR is a Limited Time Offer – In general, the 0 APR offered is only for a limited period. The period could vary from 3 months to 12 months. This implies that purchases made during this period will not attract any interest. You need to be cautious about the expiry period and remember to pay off before the period ends inorder to avoid hefty interest charges.

2. Once the introductory period is over, the 0 APR credit card may have a ridiculously high interest rate like 20% or higher.

3. On-Time Payment – Most of these 0 Interest credit cards require you to pay the minimum payment on time every month during the introductory period. Late payments will result in penalties that include shifting the remaining balance to a much higher APR.

4. Complete Payment – Certain 0 APR cards require you to pay off the balance entirely before the expiration period of the introductory offer. If not, the default high interest rate could be applied to the entire balance. Ensure that you understand these credit card terms clearly.

5. Applicability of the 0 APR – Most of the 0 Interest cards offer the 0 APR on new purchases and balance transfers in the introductory period. However, there are some cards that offer 0 APR on balance transfers only with higher applicable APR's on new purchases.

6. Other Fees – Some credit card companies compensate the 0 APR by charging high annual fees or transfer fees on balance transfers.

7. Cap on Balance Transfer – Certain cards may have a cap or limit on the balance transfer amount. This means that the 0 APR will apply only for the amount within the cap limit and anything more will be charged the default higher APR.

While it may be an attractive offer to go for 0 APR credit cards, it may not be a wise decision in certain scenarios. So, before you seriously consider a 0 APR credit card, it is essential to compute credit balances, interest rates, and your pay off capability. Read the terms and conditions carefully to avoid credit traps. Understanding the fine print could have substantial savings apart from trouble free credit rating.

The Keys To Success In Business

Success in business has nothing whatsoever to do with salesmanship, little to do with a knowledge of your company's products or services.

It is owing to some far more basic fundamental principles which will determine your success or failure at anything you do in life.

They are your A,B,C's, Attitude, Belief and Consistency. Taking them in reverse order.

Consistency
We get up every morning, we brush our teeth wash, get dressed have breakfast. We are consistent in our actions. We do it every day. We need to do the same in being consistent with our tasks associated with our business for the days that we have chosen we are going to work, be it 1 or 7 days a week. We need the 6 marbles in our left pocket or left side of our bag and transfer 1 marble to the other side every time we have carried out a positive action i.e. seeing a customer, talking to someone about the business, etc. etc. We need to do it consistently. We need to have transferred all 6 marbles (better still 10) by the end of the day. We need to concentrate on the actions not on the result. I'll repeat that, we need to concentrate on the actions not on the results.

When we go mountain climbing, if we would continually look at the summit we would soon trip up and fall. We need to concentrate on every step at a time, one after the other and as surely as the sun goes down we will reach our summit.

Belief
An absolute and genuine belief in our business, it's products and services and what it can give it's customers.

Attitude
Possibly the most important of these three but useless on its own. It's no good having the best attitude in the world if one's sitting on one's own in a closed room not talking to anyone. So what is attitude apart from how one feels about oneself and others. I describe it like this.

Your face is transparent, totally transparent and your attitude shines through whether it's positive or negative. The first second that a prospective customer sees you maybe even before you see him, your attitude comes through. The customer sees it, maybe only subconsciously and will react accordingly. We all know that the first thing any salesperson has to sell is themselves even before they open their mouth. If they can't sell themselves they might as well turn round and go home and go back to bed. If they can't sell themselves they wouldn't be able to sell packet of peanuts or a Mars bar.

Another description of attitude, when I took my 14 year old daughter recently to Disneyland Paris we went one evening to an aquatic circus. Very unusual, people diving, dancing and somersaulting on water. It was a spectacular show. What made it even more enjoyable (we were sitting on the front row) was the fact that all the performers without exception were obviously really enjoying themselves. They were loving every minute of it and gave it their all. Their attitude really shone through like a beacon and this made our enjoyment total.

So when we get up in the morning and do our consistency things let's get a really big warm smile from within feeling good about ourselves and keep that all day. When we go about our business we need to keep out good attitude with us. If we can't also be in the place where we are physically there's no point being there in the first place. It's easier to ride a horse in the direction that it's going.

So those are my 3 all important ingredients that determine one's success or failure at anything in life.

Talk For Less

Are you annoyed at how large your monthly mobile phone bills are? Are you looking into ways in which you can lower your quarterly landline telephone charges? Is the amount you are paying for your gas and electricity increasing to an unaffordable level? In this article I describe about the ways in which you can go about lowering these charges. I hope you find this article interesting and of benefit to you.

I am sure that many of you have been stopped in the street before by one of the large band of people who ask if we would like to switch service providers for our telephone, electricity or gas. You may have had people knocking at your door or even making a cold call via the phone, asking you a similar question. These people are often seen as a hinderence and a bit in your face. I must admit I see them in this light as well.

There are however some very good companies out there which provide a superb service without resorting to these annoying tactics. A simple search on the internet for key phrases such as lower telephone bills or talk for less, can often lead you in the direction of these particular companies.

Many of my friends and family have done this and have told me how happy they are with their new but largely unknown provider. I am myself in the process of finding a new company to switch to, as the days when one large firm has a monopoly on these services is over

You may think to switch is one big hassle, that you will need to change your phone number for example. This could not be further from the truth as in most cases you are able to keep your original number and to change provider is quite a simple procedure.

You may also think that the service that the new provider offers may not be as good as what you currently are getting. From what my friends and family who have already switched have told me, the service they have had thus far has been nothing short of superb.

Some of the companies also offer the benefit of having all of the electricity, gas and telephone charges on the same bill. This can be of use to people when trying to budget for every month.

There is a lot of competition out there today and there are some great savings to be made. It is just a matter of going out there, making a few calls, sending a few e-mails, and making a few searches on the internet.

Phishing - It's Signs and Your Options

Phishing is the act of some individual sending an email to a user in an attempt to scam the user to release personal information. Is it easy to determine if it's a scam? Sometimes – but not always. I hope to give you enough examples and information to help you to safeguard yourself from these unsavory individuals.

In addition, sometimes the email is sent to malicious software so as to render your computer helpless. Thus, it is important that you do not click on the link they provide, because that is the trigger that will load the software to your system.

EXAMPLES OF PHISHING

You receive hundreds of emails in your mailbox, but one email catches your eye – it directs you to a website, requesting that you need to update your personal information. It requests such personal information as:

passwords
credit card numbers
social security number
bank account numbers

"It appears to be legitimate", you say to yourself. And you also notice that the emails are from companies that you have been doing business with for a while. Warning: The website could be bogus.

Here are several examples of phishing in action.

1. E-mails stating they are from E-bay and they feel that your account may have been compromised and would like you to verify your information with they so conveniently supply. DO NOT click on it.
2. E-mails from Paypal or your bank asking that you verify your information because they feel that your account has been compromised, or heaven forbid, suspended. Same scenario, different company. DO NOT click on the link.
3. E-mail that states that an unauthorized transaction has occurred on your account. Please click the link below and confirm your identity. DO NOT.
4. Here's a work at home scam – We have seen your resume on Monster and feel you would fit our position. If you are interested, please go to our website, look over the experience required and submit your resume if you have this background. Website is professional looking, offer looks good – but it could be a scam.

WHAT ARE THEY AFTER

In the above examples they are after information about you, be it passwords, credit cards, social security numbers, anything that can identify you – and that which they can use to profit from you.

The job email is used to verify that the email address is a true blue, active email address. What do they do with this info – they sell these accounts to spammers for good money. They need to verify your email address-because if the spammers come up empty – this person's business is dead.

HOW TO VERIFY SAFELY

1. If they want you to verify your account, do not cut and paste, or use the link they provide in the email. Close your Internet session, open a new session and enter the site that you have on record to verify.

2. Emails requesting resumes – Verify their account before you send your resume. When verifying – these red flags should be considered:

1) If they are hesitant to provide a phone number – might be a scam. 2) If their business address is not verifiable –might be a scam. 3) If the website is new – might be a scam. 4) If they use a large company's name-and that company never heard of them – might be a scam.
5) Again, verify this information before you send your resume.

WAYS TO PROTECT YOURSELF

Here are some quick tips to protect you and your computer system.

1. Use anti-virus software and a firewall – keep them up to date.
2. If you have a broadband connection make sure you have a firewall in place.
3. Don't email personal or financial information.
4. Before providing personal information – search to see if the site is secure – look for a lock icon. However, remember not all phishers are stupid – in fact, they could be computer savvy enough to forge security icons. Thus, look for a site whose link looks like this: https://www.somename.com -- this shows that it is a secure site.
5. Coupons from respected companies – Verify that it is a true-blue coupon from the company – I had one coupon sent to my email address from what I thought was Staples. Verified it with Staples – not a coupon honored by Staples. When on the Internet – if it looks like a duck, quacks like a duck, it still may not be a duck!
6. When making transactions on the Internet – be it online banking, Paypal, Internet Gold, etc. – complete your transaction, log out of the website, and close out of your Internet Explorer-and then continue with a new session of Internet Explorer.

WHERE TO FORWARD SPAM THAT IS PHISHNG

If you encounter spam that is phishing, or are a victim of a phishing scam, you can forward the information to spam@uce.gov and to the company, bank or organization that the email may have stated they are from. In many cases, the other organizations have information on their website where you can report the attempted scam.

In addition, if you have been scammed, and you wish to file a complaint – go to ftc.gov.

To conclude, no one is immune to spam or a scam. But try to be ever vigilant and do your due diligence with anything you do on the Internet. But being human is a scammer's hope – they know that most will ignore the bait, but some will be tempted. So, if you so humanly slip, and succumb to a phishing scam, you can report them to ftc.gov.

When the Job Search is Over, be Sure to Say Thanks

Using a job acceptance letter when offered a position shows true professionalism. It is a way of saying "thank you" to the person who hired you, and giving them assurance that they made the right decision. You have presented yourself to them as a professional with your resume, cover letter, reference sheet, salary history, letters of recommendation, follow up note, and any other personal marketing materials you've used while job hunting. You went out of your way to make sure that the interview went well, and probably did your homework on the company before going in for that first interview. Now using a job acceptance letter will be a capstone on all your work, and perfect the positive professional image you've tried to convey throughout the job search and hiring process.

Of course, if you've never written one before you may have questions as to what it should contain and how it should look. Here are the basics: it should be on the same paper your resume and cover letter were on, preferably a light gray or ivory linen, laid, or parchment paper or one of the new sandstone papers. It should have a letterhead that matches the other personal marketing materials you've used. It should be personally addressed to the decision maker who hired you. The job acceptance letter should also be placed in either a matching business sized envelope, or a large white envelope to avoid folding, and should be personally addressed. If your own handwriting isn't very legible, print the address, or have a friend with great handwriting address it for you

It should also be short. Show that you respect the hiring manager's time by being direct, while still polite. You can say everything you need to say in two or three paragraphs which are quick to read. When writing the job acceptance letter be straightforward and professional. Let the hiring manager know that you are looking forward to being a part of the team at your new company. Let him or her know that you appreciate the opportunity and will do your best. Let the decision maker know that you are aware of any special conditions of the job offer, and will adhere to them. That will avoid any misunderstandings down the road. Also make sure that the job acceptance letter states that you understand the starting date of your employment with this new organization, and assure the hiring manager that you will be there on the specified date, and time, ready to get busy. Sign it using blue ink in your pen so that they know it is not a photo copy, and hand deliver it to the decision maker's administrative assistance. In this manner you will show yourself to be a true professional, and someone they will want to work with in the future.

Paying For Your Traffic Is A Smart Move

Many have launched a business enterprise that is internet based but only a handful shall succeed despite many success stories about businesses making it good in the internet.

It takes good business sense and a lot of help and team effort. Most importantly, it is the eagerness to succeed and the determination to learn and the willingness to invest in a lot of hard work and some money.

The Very Basic

Without traffic, all your effort would just go to waste. Every business needs customers, without them you wouldn't have anyone to sell your products to. In the internet world traffic is the walk in customer. The more traffic you have the more people would be able to sell your products to.

But like any business that's in every corner building or in the mall, not everyone that goes in will buy, but the greater of number that do come in to browse your merchandise, the greater number of people that will buy your products. It is a simple and known fact.

But, how do you get traffic, traffic large enough that could make a small percentage of eventual buyers enough to make a good profit. Many big companies generate traffic of tens of thousands a day and a measly ten to fifteen percent actually buys, but that small percentage is enough to provide them with good business.

You have to spend money to make money. Many of these success stories get their traffic from paying others. Advertising is the key. The more people that knows that your site exists; the more people would of course go to your site, that's common sense.

While there are many ways that can get you advertising for free, this do not generate the same high volume as those methods that are getting paid. These paid advertisements include advertising schemes by Google and Yahoo.

The Value of Searches

The search and will be the easiest and fastest medium in finding what a person needs on the Net. Since search engines are free and easy to use, they have been very popular because they provide a vital service to many people. . With this popularity, they get many visitors and clicks that they are the most common sites that people go to. As such it is easy to understand why so many companies would pay to advertise with these search engines.<

Search engines provide information to the millions of users that they have each day. They provide links to many sites that a user may be looking for. If your sites link pop up in the high ranks of the search results page, you get a great chance that they will go to your site. While search engine optimization is a cheaper and low cost way to get your site a high rank, paying for advertisements will ensure that you will be on the top ranks.

When you pay for your advertisements, it is like paying for your traffic. This may sound like not such a good idea, but the payoffs would tell a different story. When you pay for your traffic, you are guaranteed of a consistent traffic flow to your site. You will never go with an empty sales day.

Paying for your Traffic

Usually, you will be charged with the number of hits a link gets when your ads is clicked, this is called pay per click. For some search engines, you will be charged with the number of times your ad shows up when a certain keyword or keyword phrase is searched. It is imperative that you have good keyword content in your ad. There are many tools that aid you in using the right keyword for the right moment.

All the money you spend in paying for your traffic will not be for naught. You will get an impressive boost in traffic which will also result to a great boost in your sales figures. Paying for your traffic would be a really good idea and you will get all the benefits it has to offer.

High Impact Traffic By Writing Articles

So you have a website but your traffic counters are not exactly burning? Maybe it's not even turning! You may have tried reciprocal linking to gain search engine rankings. It's boring isn't it! Reciprocal linking with other on-theme websites will slowly help increase your website's rankings in the search engines such as Google, Yahoo and MSN. However, it takes a long time and each time someone links to you, you get one link back to your site. I'd like to introduce you to a much more effective method.

This method is very easy and not nearly as boring. Simply write an article about a topic that is relevant to your site; please make sure you include a link back to your site in the author's by-lines. Then submit it to a submission service such as Isnare. They will then distribute your article and other websites will pick it up. So instead of your one measly backlink for a reciprocal link you could get one hundred, two hundred or even a thousand backlinks.

Several things will determine how many people will pick up your article:

1.) How many different sites you submit it to
2.) How interesting and well written your article is
3.) How catchy the headline is
4.) How much public interest there is in the topic

With the above considered, you can make your website very successful by submitting articles. I recommend submitting 3 articles in a week, and then continue submitting one or two articles a week for a month. This should get you a nice amount of traffic for a long period of time. Obviously the more articles you write, the more traffic you receive. This traffic is not only from people reading your articles but from the search engines, as your ranking will improve as you gain more links back to your site. So go on, get writing, the world's your oyster!

Stock Breakouts And Resistance

Breakouts through resistance are the most desirable of all trade opportunities. (This discussion will be the buy opportunity discussion of breakouts. (An equal sell opportunity exists on breakdowns through support). A breakout is a penetration of resistance based on a pricing established over time with price reversals taken place at approximately the same price point in previous time periods.

Sounds easy. Well it sure sounded easy when that guy in the $1000 seminar told me about it. I also read how easy it was in the $90 book on trading that said would make me a wealthy independent trader.

Breakouts are wonderful if they continue. If they fail you can expect the pricing not to trend but to return to a range bound probably touching the lower pricing before it rises again. That price movement is probably beyond your stop loss and you will not be pleased.

This occurs more often than you want to believe. Since so many other people see the breakout they are as nervous about it as you are and you have a larger number of quick exits with the slightest wiggle. This is referred to as "buyers remorse" or a "bull trap". What this really represents is a serious hit against your P&L.

Remember, breakouts are a product of an established range bound market. The continuation of the sideways market is the rule with a move away from support or resistance back into the trading range. That means a failed breakout is the rule. The breakout is the exception. Some traders believe the reverse is true. That can cost you a bundle of cash in trading losses.

In addition, MACD Plays: When you are considering any stock you need to know if that stock is exhibiting a tendency to trend. If you wish to be more successful in your trades, then you should be able to identify those stocks with this tendency. Logic dictates that you will make more profits in trending stocks rather than in those issues that fluctuate up and down.

Frasier (DVD) Review

Along with Friends and Seinfeld, Kelsey Grammer's Cheers spin-off, Frasier, dominated the prime time television landscape during the 1990's. Grammer plays the role of Dr. Frasier Crane who, fresh off of his divorce from Lilith, moves back to his hometown of Seattle where he lands a gig as a radio psychiatrist. Frasier's father, Marty Crane (John Mahoney), a Seattle cop recently shot in an attempted convenience store robbery is in need of physical therapy. Frasier and his brother Niles (David Hyde Pierce) make an effort to mend their relationship with Marty whose plaid shirts and penchant for sports and beer strikes a dramatic contrast with their wine club, opera house culture. After a little prodding, Marty and his dog Eddie (Moose) move into Frasier's upscale apartment, and Frasier hires Daphne Moon (Jane Leeves), a housekeeper and physical therapist to look after the two cranes.

The entirety of the show takes place in mostly three places – Frasier's radio station where he works with show producer Roz Doyle (Peri Gilpin), Frasier's apartment, and the favorite hangout of Niles and Frasier, Café Nervosa. A witty comedic exploration of the nation's clash of cultures (also illustrated by Frasier's run-ins with sports guy Bob "Bulldog" Briscoe), Frasier stands alone as one of the best-written shows in television history. Not a single episode can be considered a dud.

The Frasier DVD offers a number of hilarious episodes including the series premiere "The Good Son" in which the title character Dr. Frasier Crane moves back to his home town of Seattle, Washington. Living a comfortable lifestyle with his decorated bachelor pad and high-profile radio show, Frasier gets a rude awakening when his brother Niles points out that their father Marty can no longer live on his own due to a gunshot wound. Reluctantly, Frasier invites Marty to come live with him and the two eventually hire Daphne Moon as a housekeeper/physical therapist… Other notable episodes include "The Crucible" in which Frasier throws a lavish dinner party to celebrate the newest edition to his art collection only to learn from the artist herself that the painting is a forgery, and "Give Him The Chair!" in which Frasier tries to do a favor for Martin by throwing out his favorite chair, but Martin is raving mad, prompting Frasier to search all of Seattle to retrieve the priceless heirloom…

Below is a list of episodes included on the Frasier (Season 1) DVD:

Episode 1 (The Good Son) Air Date: 09-16-1993
Episode 2 (Space Quest) Air Date: 09-23-1993
Episode 3 (Dinner At Eight) Air Date: 09-30-1993
Episode 4 (I Hate Frasier Crane) Air Date: 10-07-1993
Episode 5 (Here's Looking At You) Air Date: 10-14-1993
Episode 6 (The Crucible) Air Date: 10-21-1993
Episode 7 (Call Me Irresponsible) Air Date: 10-28-1993
Episode 8 (Beloved Infidel) Air Date: 11-04-1993
Episode 9 (Selling Out) Air Date: 11-11-1993
Episode 10 (Oops) Air Date: 11-18-1993
Episode 11 (Death Becomes Him) Air Date: 12-02-1993
Episode 12 (Miracle On Third Or Fourth Street) Air Date: 12-16-1993
Episode 13 (Guess Who's Coming To Breakfast) Air Date: 01-06-1994
Episode 14 (Can't Buy Me Love) Air Date: 01-20-1994
Episode 15 (You Can't Tell A Crook By His Cover) Air Date: 01-27-1994
Episode 16 (The Show Where Lilith Comes Back) Air Date: 02-03-1994
Episode 17 (A Midwinter Night's Dream) Air Date: 02-10-1994
Episode 18 (And The Whimper Is…) Air Date: 02-17-1994
Episode 19 (Give Him The Chair!) Air Date: 03-17-1994
Episode 20 (Fortysomething) Air Date: 03-31-1994
Episode 21 (Travels With Martin) Air Date: 04-14-1994
Episode 22 (Author, Author) Air Date: 05-05-1994
Episode 23 (Frasier Crane's Day Off) Air Date: 05-12-1994
Episode 24 (My Coffee With Niles) Air Date: 05-19-1994

Good Insurance Website Content

When you have your own website online, you try to run it in such a way that if you could only handle all areas of concern of the insurance niche you're working on, you'd do it. But it's not as easy as it sounds nor is it a fast-paced process.

Everything has to happen accordingly at its own time and pace. With an insurance website, you really can't get anywhere if you don't create possible means to get leads all the time. It doesn't have to be a big volume of leads, what you need to worry about is how you are able to acquire leads as regularly as possible.

If you don't have regular flow of leads, there is really no point in managing an insurance website for business, isn't there? To get to where most of the successful insurance agents are right now, who also has great insurance website in operation; you should take advantage of enriching your insurance website. It's the only foolproof thing that you can do, spend time and money on which completely makes sense. This works for any type of business online, actually.

What we mean here is by writing and expanding your insurance website's content. Many people think that enriching a website's content is an easy task. It is the opposite. You can't just post anything to a website if you really don't have anything sensible to tell or highly relevant to share. People will look for that quality in certain information. If you have what they are looking for, the website you own will also gain the credits for it.

What else other than articles can you put on your website? There are a lot of site content you can take advantage of that can also work directly to the niche of your choice. So for this case, insurance market is your niche. If you are working specifically to get leads for health insurance, for example, then find and post content to your website that is related to health insurance alone. This way, it'll increase the emphasis on your target insurance market.

Just remember, whatever write-up that you have, always be sure it has a good quality before completely posting it. It's not only your website that's at stake here; it's also your knowledge of expertise.

Hallmark Hops Aboard 'The Polar Express'

"The Polar Express," Chris Van Allsburg's beloved children's book, published by Houghton Mifflin, captures the pure spirit of the holiday season. It is a time of wonder, of enchanting discovery, of boundless fascination.

The inspirational tale will become even larger than life with the theatrical release of "The Polar Express." The movie, from Warner Bros. Pictures, stars the Academy Award-winning team of Tom Hanks and director Robert Zemeckis. And now, fans of "The Polar Express" can take home a little bit of the story's magic with exclusive gifts from Hallmark Gold Crown stores.

"'The Polar Express' is such a classic Christmas story, it seemed appropriate that Hallmark Gold Crown stores, a traditional holiday destination, serve as 'The Polar Express' headquarters," said Greg Raymond, vice president of license acquisitions at Hallmark. "The one-of-a-kind Hallmark collection truly brings the classic story to life."

In the movie, a young boy who wants to believe in Santa, no matter what the doubters say, is given an unexpected train ride to the North Pole. When the train reaches its destination, Santa himself materializes and offers the boy whatever his heart desires. In the end, the boy learns that the wonder of life never fades for those who believe.

Fans can feel the excitement of the movie with items from Hallmark's collection, such as an authentic reproduction of the bell Santa gives the boy as the "first gift of Christmas."

Also available in the collection are copies of "The Polar Express" book, Keepsake Ornaments, photo frames, gift-wrap, a tea-light holder, stocking holders, greeting cards and partyware. The variety of gifts in the collection will delight even those not so familiar with "The Polar Express" story.

"Hallmark has a long history of celebrating warm holiday traditions and these traditions are perfectly in sync with what 'The Polar Express' symbolizes," said Karen McTier, executive vice president of domestic licensing for Warner Bros. Consumer Products. "Now filmgoers can take a bit of the movie magic and enchantment home with them."

The Warning signs of Online Fraud and How to avoid it

The number may seem grim for Web-based commerce. In 2004 in the Unites States alone, computer users logged in more than 207,000 Internet fraud reports to the U.S. Internet Crime Complaint Center. If you look hard at this number, you may be astounded, and a good bit frightened, by the implication. You may ask, "Is it really safe to buy and sell at an online site?"

Put simply, the answer is: yes. The Internet is an incredibly powerful tool for business, so you can't pass it over just because of a few crooks and conmen-even if they do seem like they're behind every pop-up window and banner ad. The truth is that you can create opportunity and make more money online than you could lose in fraud.

Better yet, you could lose absolutely nothing if you know the warning signs of fraud and the tricks to avoid danger during your Web-based business dealings.

Whether you're looking to buy or sell goods online, the first-and the best-way to fight fraud is prevention. There are certain warning signs to watch for, which should set off a chorus of alarms and flashing red lights in your head. Don't do business with this person! For buyers, these potential warning signs can be when a seller:

• asks you to pay through non-traceable avenues, such as Western Union or MoneyGram, or a third party, or via an overseas address. You should ask yourself-and the seller-why he or she won't accept payment options that are traceable and convenient for you.

• posts an image on his auction or classified ad that's obviously from an outside source. Sometimes these images may not even match the type of item, let alone the brand, that the ad features.

• sells a typically expensive item at cut-rate prices, which is a good indicator that it could be counterfeit.

• refuses to provide tracking numbers when you purchase an item. Tracking numbers are another way to trace a valid transaction.

• offers only excuses, instead of help, when your purchased item doesn't arrive at your doorstep.

If you're a seller, you ought to be wary of signs of a suspicious buyer, such as when a buyer:

• asks to pay only some of the fee, offering to the pay the rest sometime in the future. This is the old excuse from Popeye's friend Wimpy, who always could be heard saying, "I'll gladly pay you Tuesday for a hamburger today." Wimpy never paid Tuesday.

• sends you a cashier's check for more money than the agreed price "by mistake." In this scam, the buyer then asks you to repay him the difference by personal check, wire transfer, or money order-before you find out that the cashier's check didn't clear. Believe it or not, this scheme works because cashier's checks can be cashed before they bounce

• sends you a cashier's check for the correct amount of money but then demands a refund, requesting that you repay with your own money. See the scheme above for how this trick works.

These warning signs, of course, are only for a handful of the frauds and scams out there. Conmen are good at what they do, trying to separate you from your money. That's why it's best to always follow these golden rules of online commerce whenever buying or selling on an Internet auction or classified site.

Keep your common sense. No matter how good a deal seems, or how much clients say they want to pay, always remember the old adage: "If it sounds too good to be true…."

Do your business locally. Try to buy and sell from your neighbors as much as possible. It's safer, more convenient, and better for your local economy. What's more, it saves you the trouble of dealing with foreign vendors and buyers. Though they may be legit, dealing with them can be complicated because of different legal systems and customs, which can make any conflict difficult.

Seal the deal with plastic. Paying for items with credit cards, and allowing your customers to charge for purchases, is a great all-around business decision. Under U.S. law, all plastic purchases are protected from fraud and allowed to be disputed in case of problems.

Meet at the middle man. Intermediary services are virtual middle men that protect both buyers and sellers from cyber shysters. Services like Escrow act as a holding pen for both payment and sale items until both the buyer and seller are content. Only then will Escrow finish a transaction.

Purchase with PayPal. As Escrow and credit cards do, PayPal guards against fraud for both buyers and sellers. It's a secure and reliable way to transfer money over the Internet. No wonder PayPal is the most popular online money transfer service.

As you can see, the odds are actually in your favor when it comes to doing business on online classified or auction sites. The resource of the internet is far too valuable than to be taken away by a few crooks and conmen. It simply comes down to being smart, sensible, and observant whenever buying or selling on the Web. Then again, that's what all good business is about, whether you're doing it in a mall or on the information superhighway.

A Quick Look At Email Spam Filters

You must be eagerly finding for a way out to stop receiving Spam mails in your inbox. Take a quick look at email spam filters to get some idea on how to check spam. There are a number of email spam filters that you can use in your computer. For official purposes, you have anti server software spam where the spam filter is located in the server level to trap all email spam. They prevent them from reaching your inbox. The email spasm not only slows down the performance of the server, but also occupies a lot of storage space. Emails are the easiest and the best way for these viruses to spread.

Working of Spam Filters

Anti spam software and anti spam solutions are essential to aid you in getting a clean inbox. The server spam filter or anti spam server is a software application that scans all the incoming email messages. With the help of their configuration, they identify Spam and prevent them from reaching your inbox. The spam mails not only eats away the storage space and make selecting your personal emails difficult, they also can contain viruses. Using anti spam filters is necessary as it saves both your time and money. But even when you are using anti spam filters, it is recommended to check the messages just to make sure that no personal message has been marked as spam. Even the server spam filters marks email as "false positive" to those that are identified as spam, but in reality they are valid messages. There are various anti spam programs that identifies Spam and sends it to the junk mail folder.

Not all spam filters work in the same way. Some of them are pre programmed where the know spammers are inserted. They accordingly block them. Some of the programs filter the emails based on the keywords used in the mails. Some of the email spam filters are configured and you can easily customize it or the network administrator can also customize it according to the requirement of the company.

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