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    What are Junk Bonds?
    In the financial world, those high yield bonds or bonds that are rated below “investment grade” are known as Junk Bonds. Although the risk of such bonds defaulting is higher as compared to other types of securities, they are still preferred by experienced investors, as the returns are typically high as well.There are two types of risks that come attached to Junk Bonds. These are interest rate risk and credit risk. The first type refers to the rise and fall in value due to changes in the level of interest rates or their structure. The latter indicates the probability of a debtor defaulting in combination with the chances of not receiving principal and interest in arrears after a default.It is the job of a credit rating agency to analyze and identify the risk with a credit rating such as AAA, AA, A BBB, BB, B, CCC, CC, or C. An additional rating D is used to rate debt already in arrears. Usually, government bonds are placed in the zero-risk category above the credit rating AAA.All bonds that are rated above BBB are defined as Investment grade bonds. Bonds that are rated below the investment grade are colloquially defined as Junk Bonds. Because of the risk factor that comes with these bonds, these bonds always invite investors by promising higher yields. This makes them attractive investment vehicles for certain categories of financial portfolios and strategies.Despite the high yield tag, junk bonds often fail to sell well in the market. This is because certain by-laws prohibit many types of provident funds and other investors from investing in bonds that are rated below a particular level. In some cases, the limited market for junk bonds themselves also hinders investment in lower rated securities. As a result, a company with financial problems gets sucked into a vicious cycle where it’s bond rating is further lowered, making it even harder to generate funds.This vicious cycle is one of the reasons why high profile companies such as Enron and WorldCom, whose bonds were initially rated above investment grade, have collapsed in a heap. Bonds that fall from being certified as having investment grade status to high yield status are termed as “fallen angels”. On the other hand, those bonds whose credit rating levels are on the rise are known as “rising stars”.Only seasoned investors should try their hands at dealing in junk bonds. A company whose equity has a good value in the market is always a safer alternative investment.
    onsumers.

    2) It allows a business to reach hundreds of thousands of potential customers at a relatively low cost compared to individual calls.

    3) It allows a business to target their market and test their product.

    4) A business identity can quickly be established.

    5) A forum for showing a product, together with benefits and advantages can be established.

    BASIC ADVERTISING RULES

    Effective marketing is a vast field. It includes using marketing tools such as: direct mail; space and classified ads; signs; radio and TV commercials; business involvement, and more. In fact, the approaches you can take and the methods you use are only limited by your imagination and resources. There are basic rules however that do not change however. They are as follows:

    Rule No. 1-You must get a prospects ATTENTION. ( Your headline is the most important part of an advertisement.)

    Rule No. 2-You must create reader INTEREST (Your ad should be built around an idea that offers value.)

    Rule No. 3-You must arouse the reader's DESIRE. (By focusing on all the benefits they will receive.)

    Rule No. 4-Your ad must move them to ACT. (Tell your readers exactly what it is you what them to do.)

    In order to avoid making careless advertising decisions that can cost you money, it is important that you understand and participate in your own strategies. That means getting involved and researching what strategy will produce sound advertising.It is essential that you have a plan before you take action on developing an advertising strategy. Your plan must be based on an objective analysis that resulted from your knowledge and it doesn't matter what your background is, you can learn to master the type of mail order advertising that is needed to launch a self-publishing business.

    Through research and careful planning you can become

    Get A Loan For A Home On Wheels!
    The benefits that these loans provide are basically three: They provide lower interest rates, longer repayment programs and higher loan amounts. Moreover, as a combination of all the above, these loans also provide smaller monthly payments that can be easily afforded by any budget.In case you are looking for alternatives for your mobile home loans, you will find that there are many regular bankers who do not deal with such loans any longer. The basic reasons for this are: first of all, lesser people are opting for such home loans, and the second factor is that the risk involved in giving out such a loan to anyone is considered to be high by the lenders.Not Actual Real Estate The lenders do not find the mobile home loans as a viable option because the property is not “real”. It can’t actually be counted as an immovable asset. Then, the market is also flooded with less-risky deals and mortgages, so the bigger players in the home loan market prefer other deals. Apart from all these, the current market interest rates are also low.Mobile Homes Mobile homes, as the name suggests, are housing units that are mobile. Their structures are built in factories and then they are carried to the place where they will be occupied. This is done with the help of tractor-trailers. They are definitely cheaper than site-built homes and, are found in trailer parks in high-density developments or in rural areas.Such homes are placed in one location and are usually rented out. They are left at the trailer parks for the life of the structure. The mobile homes can be moved around and most of the times, their wheels are hidden to give them the look of stationary homes. There are two kinds of mobile homes: the single-wides and the double-wides. The single-wide mobile homes are almost 16 feet wide or more and they are towed to the place of occupation as a single unit. On the other hand, the double-wides are more than 24 feet wide and have to be towed in two separate units. There are triple-wides as well, but they are not so common.Mobile Home Loans’ Nature There are many people who did not find investing in a site-built home very feasible, so they opted for the mobile homes, and the credit companies also provided homes loans for such takers. There was also a time when the mobile homes were used as collateral by the home loan borrowers to get site-built homes constructed. This was a riskier option for the home loan lender and this was replaced by the availability of home loans only for the site-built homes. The mobile home loans were actually seen as motor loans.Before you think of taking a home loan for a mobile home, take a good look at the mobi
    You can make a lot of money by writing and self-publishing your own material, if you are willing to write books, manuals, reports or newsletters that millions of people across the United States, and throughout the world for that matter, desperately want to buy.

    Today, more than ever before, is the age of information. Twenty-four hours a day, seven days a week, there continues to be an incredible demand for information throughout America and the world. There is an astronomical demand for information packed books, manuals, reports and newsletters of almost every imaginable kind.

    It's really much easier than you might have ever guessed to start filling your bank account with cash from information you possess. People crave information that appeals to their basic needs and will somehow educate or enlighten them. Simply by putting your own specialized information into books, manuals, reports or newsletters, you can start putting a hefty price on information you have no doubt been giving away.

    FIND YOUR MARKET-THEN WRITE YOUR MATERIAL

    Anyone who can communicate an idea to another person, should be able to get their same message across on a written page. If you are either an expert on some subject, or are interested enough to obtain the information for a project, you have what it takes to go from having an idea, to self-publishing your own material in whatever format it develops into. There are hundreds of publications filled with ads by people just like yourself, who discovered they could make a lot of money writing and publishing their work. Looking through opportunity magazines, or other publications that cover the field you are interested in, is a good place to start looking for ideas.

    Review all the advertisements in the magazines you have chosen to see what popular topics and subjects are being written about in books, manuals, reports and newsletters. Then ask yourself if you can come up with a better way, or have equally interesting information you can present from a different angle, or with a different twist that would be of interest to the readers in that market. If the answer is "yes," then you can enter that market and also make some incredible money!

    CASH IN ON YOUR OWN CREATIVITY AND EXPERTISE

    Be creative in developing your material. Perhaps you are aware of some technique that allows people to accomplish their goals faster in a certain field. Maybe you can think of a better way to cash in on a current fad. The bottom line is that people are hungry for information and ideas, and you can become the writer or self-publisher of information people want to buy. People are eager to buy information that can help them improve their lives 1) Financially; 2) Physically; and 3) Emotionally. If you can fill any of those needs with information that can be put onto a written page, there are millions of people waiting to hand over their cash to get it.

    KNOWING HOW TO PACKAGE YOUR INFORMATION CAN EARN YOU A FORTUNE!

    After you have written your material, you will have to decide on how you will package the information to make it salable. Depending on your market, some packaging will sell better than others. For example, you can print your information in a series of publications, print it in a book, manual, report or newsletter, put it on a cassette tapes or present it at seminars. You can focus on one area, or utilize many area.

    One thing is certain, people are paying billions of dollars to obtain well packaged information! there are books that sell for up to $100 and more, with manuals in a close second. There are reports that consist of 10-12 pages selling for up to $10 or more, while seminars can cost as much as $15,000 for a single weekend. It may sound incredible to the average person, but people are willing to pay top dollar for information. However, the "packaging" must be perceived as being worth the price you are asking.But before you decide on how to package your information, you must first consider who your primary audience is, and cater to those people in everything you do.

    FOCUS ON SUBJECT MATERIAL THAT IS SALABLE

    Information for your subject matter can be found in various places. For the best results, start with your field of expertise and turn it into a book, manual, report or newsletter.

    Focus on providing your targeted market with simple, understandable, and helpful information. It must overwhelmingly appeal to your customers' wants and desires...

    Never forget that this is the age of specialized information. People are completely willing to spend their money for tens of thousands of different forms of information, provided it is useful to them. Your job is to either find a need and fill it, or create the need and supply it.One of the best ways to get started is to sit down with some paper and write down every subject you have some degree of knowledge about. Your list of subject doesn't have to be in any particular order. Don't force it. When ideas for headings no longer come easy, stop and start up again at a later time. When you feel comfortable that you have covered most of the areas you know, start picking out the topics that interest you the most. Then you can start researching more material for your writing projects.

    FILL YOUR MATERIAL WITH SELF-INTEREST BENEFITS

    Many new writers fail to understand that if they expect any hope for business survival, let alone success, they must come to realize early on that a big part of their job is to arouse the emotions and desires of their customers. Your product, whether a boo, manual, report or newsletter, must be portrayed as being jam-packed with self-interest benefits.

    Millions of dollars in failed business ventures are wasted every year simply because entrepreneurs fail to understand that what customers want to hear is not necessarily what they have to say. You should never forget this valuable lesson. It can make you rich!

    YOUR MATERIAL MUST STIR EMOTIONS AND DESIRES

    Emotions are what move people to buy anything. therefore, the job of your product and advertisement vehicle is to move your prospect to buy. You have to stir enough emotions, not only to cause desire, but the rationalization that provides an excuse based on logic.

    Even after a prospect makes a commitment to buy your book, etc.,they may think they have acted logically. None of your customers will ever admit that emotions had anything to do with their purchase. What you must always be aware of however, is that logic probably had little to do with the buyer's decision. That is because human actions are often caused by instincts and compulsions that most buyers are unaware of.

    As you write your material for publication in any form, or as you develop an ad or other sales package, always think in terms of how a particular benefit will stir a reader's emotions and desires. Try to understand how your product might be perceived by reader's by focusing on your own feelings.

    ADVERTISING IS VITAL TO THE SUCCESS OF YOUR SELF-PUBLISHING VENTURE

    The success of your advertising will ultimately depend on the salability of your book, manual, report, newsletter, etc. Good advertising will make a good book sell better, but it cannot transform a poor book into being successful.

    Advertising is vital to any business venture because:

    1) It allows a business to deliver their message repeatedly and reinforce it in the minds of targeted consumers.

    2) It allows a business to reach hundreds of thousands of potential customers at a relatively low cost compared to individual calls.

    3) It allows a business to target their market and test their product.

    4) A business identity can quickly be established.

    5) A forum for showing a product, together with benefits and advantages can be established.

    BASIC ADVERTISING RULES

    Effective marketing is a vast field. It includes using marketing tools such as: direct mail; space and classified ads; signs; radio and TV commercials; business involvement, and more. In fact, the approaches you can take and the methods you use are only limited by your imagination and resources. There are basic rules however that do not change however. They are as follows:

    Rule No. 1-You must get a prospects ATTENTION. ( Your headline is the most important part of an advertisement.)

    Rule No. 2-You must create reader INTEREST (Your ad should be built around an idea that offers value.)

    Rule No. 3-You must arouse the reader's DESIRE. (By focusing on all the benefits they will receive.)

    Rule No. 4-Your ad must move them to ACT. (Tell your readers exactly what it is you what them to do.)

    In order to avoid making careless advertising decisions that can cost you money, it is important that you understand and participate in your own strategies. That means getting involved and researching what strategy will produce sound advertising.It is essential that you have a plan before you take action on developing an advertising strategy. Your plan must be based on an objective analysis that resulted from your knowledge and it doesn't matter what your background is, you can learn to master the type of mail order advertising that is needed to launch a self-publishing business.

    Through research and careful planning you can become f

    Managing in a Global Economy
    In today’s global economy, managers must show that they have imagination to create and facilitate innovative ways of operating business. Managers can’t afford to be static. Managers are no longer competing on a local or national scale. They’re now competing globally hence the need for managers to be dynamic. Managers must now look at all aspects of doing business. Some of these aspects were generally neglected by management.How do you know if you are a traditional manager? First, one must understand that managers always focus on the bottom line. In a traditional style of management, the bottom line is based on two sources of data, planned expenditures and actual expenditures. While this style of management works, it is not enough to compete with the rest of the world, because this linear style of management lacks imagination.So what do managers need to do? In order for managers to compete globally they must first possess the mind set for innovation. The more innovative a manager, the more dynamic he/she will be at integrating all measurement of cost. These managers I like to call activist managers. They are forward looking, and are generally more dynamic in their way of thinking. In their decision making, they draw on different elements within the business society whether it is on the local, national, or even international level.What are these elements? The elements are factors that impact doing business. These factors are many depending on the industry that one is in. Here are some examples of elements that affect managers in doing business.• Consumer credit risk • Resources • Political Climate • Foreign Exchange risk • Competition • TechnologyUnderstanding their respective elements will better enable managers to make the necessary adjustments to doing business. These adjustments will allow managers to achieve a viable bottom line.This Article was provided to you by http://www.managementthatworks.com
    wsletters. Then ask yourself if you can come up with a better way, or have equally interesting information you can present from a different angle, or with a different twist that would be of interest to the readers in that market. If the answer is "yes," then you can enter that market and also make some incredible money!

    CASH IN ON YOUR OWN CREATIVITY AND EXPERTISE

    Be creative in developing your material. Perhaps you are aware of some technique that allows people to accomplish their goals faster in a certain field. Maybe you can think of a better way to cash in on a current fad. The bottom line is that people are hungry for information and ideas, and you can become the writer or self-publisher of information people want to buy. People are eager to buy information that can help them improve their lives 1) Financially; 2) Physically; and 3) Emotionally. If you can fill any of those needs with information that can be put onto a written page, there are millions of people waiting to hand over their cash to get it.

    KNOWING HOW TO PACKAGE YOUR INFORMATION CAN EARN YOU A FORTUNE!

    After you have written your material, you will have to decide on how you will package the information to make it salable. Depending on your market, some packaging will sell better than others. For example, you can print your information in a series of publications, print it in a book, manual, report or newsletter, put it on a cassette tapes or present it at seminars. You can focus on one area, or utilize many area.

    One thing is certain, people are paying billions of dollars to obtain well packaged information! there are books that sell for up to $100 and more, with manuals in a close second. There are reports that consist of 10-12 pages selling for up to $10 or more, while seminars can cost as much as $15,000 for a single weekend. It may sound incredible to the average person, but people are willing to pay top dollar for information. However, the "packaging" must be perceived as being worth the price you are asking.But before you decide on how to package your information, you must first consider who your primary audience is, and cater to those people in everything you do.

    FOCUS ON SUBJECT MATERIAL THAT IS SALABLE

    Information for your subject matter can be found in various places. For the best results, start with your field of expertise and turn it into a book, manual, report or newsletter.

    Focus on providing your targeted market with simple, understandable, and helpful information. It must overwhelmingly appeal to your customers' wants and desires...

    Never forget that this is the age of specialized information. People are completely willing to spend their money for tens of thousands of different forms of information, provided it is useful to them. Your job is to either find a need and fill it, or create the need and supply it.One of the best ways to get started is to sit down with some paper and write down every subject you have some degree of knowledge about. Your list of subject doesn't have to be in any particular order. Don't force it. When ideas for headings no longer come easy, stop and start up again at a later time. When you feel comfortable that you have covered most of the areas you know, start picking out the topics that interest you the most. Then you can start researching more material for your writing projects.

    FILL YOUR MATERIAL WITH SELF-INTEREST BENEFITS

    Many new writers fail to understand that if they expect any hope for business survival, let alone success, they must come to realize early on that a big part of their job is to arouse the emotions and desires of their customers. Your product, whether a boo, manual, report or newsletter, must be portrayed as being jam-packed with self-interest benefits.

    Millions of dollars in failed business ventures are wasted every year simply because entrepreneurs fail to understand that what customers want to hear is not necessarily what they have to say. You should never forget this valuable lesson. It can make you rich!

    YOUR MATERIAL MUST STIR EMOTIONS AND DESIRES

    Emotions are what move people to buy anything. therefore, the job of your product and advertisement vehicle is to move your prospect to buy. You have to stir enough emotions, not only to cause desire, but the rationalization that provides an excuse based on logic.

    Even after a prospect makes a commitment to buy your book, etc.,they may think they have acted logically. None of your customers will ever admit that emotions had anything to do with their purchase. What you must always be aware of however, is that logic probably had little to do with the buyer's decision. That is because human actions are often caused by instincts and compulsions that most buyers are unaware of.

    As you write your material for publication in any form, or as you develop an ad or other sales package, always think in terms of how a particular benefit will stir a reader's emotions and desires. Try to understand how your product might be perceived by reader's by focusing on your own feelings.

    ADVERTISING IS VITAL TO THE SUCCESS OF YOUR SELF-PUBLISHING VENTURE

    The success of your advertising will ultimately depend on the salability of your book, manual, report, newsletter, etc. Good advertising will make a good book sell better, but it cannot transform a poor book into being successful.

    Advertising is vital to any business venture because:

    1) It allows a business to deliver their message repeatedly and reinforce it in the minds of targeted consumers.

    2) It allows a business to reach hundreds of thousands of potential customers at a relatively low cost compared to individual calls.

    3) It allows a business to target their market and test their product.

    4) A business identity can quickly be established.

    5) A forum for showing a product, together with benefits and advantages can be established.

    BASIC ADVERTISING RULES

    Effective marketing is a vast field. It includes using marketing tools such as: direct mail; space and classified ads; signs; radio and TV commercials; business involvement, and more. In fact, the approaches you can take and the methods you use are only limited by your imagination and resources. There are basic rules however that do not change however. They are as follows:

    Rule No. 1-You must get a prospects ATTENTION. ( Your headline is the most important part of an advertisement.)

    Rule No. 2-You must create reader INTEREST (Your ad should be built around an idea that offers value.)

    Rule No. 3-You must arouse the reader's DESIRE. (By focusing on all the benefits they will receive.)

    Rule No. 4-Your ad must move them to ACT. (Tell your readers exactly what it is you what them to do.)

    In order to avoid making careless advertising decisions that can cost you money, it is important that you understand and participate in your own strategies. That means getting involved and researching what strategy will produce sound advertising.It is essential that you have a plan before you take action on developing an advertising strategy. Your plan must be based on an objective analysis that resulted from your knowledge and it doesn't matter what your background is, you can learn to master the type of mail order advertising that is needed to launch a self-publishing business.

    Through research and careful planning you can become

    Pay Your Rent on time? TransUnion Has New Database That Will Benefit Renters
    On June 15, 2006, one of the three major credit bureaus, TransUnion, introduced on a new database that will collect information on the renter’s payment history and will help apartment complex management and landlords, screen potential renters.This patent-pending database known as RentBridge will provide property management with a direct feed to their property management software systems, where management report rental payment history directly to TransUnion.Group vice president of TransUnion’s Rental Screening Services division, Michael Britti says RentBridge will revolutionize the use of payment history in the rental industry. With RentBridge, we are able to greatly enhance the decision making process and add vital content to the files of individuals with limited credit information.Renters that have always paid their rent on time, have never seen the benefits of doing so. On the other side, the renters that are always late on payments or skip the payment all together, have not paid the consequences. RentBridge will help property managers identify applicants with excellent payment history and those with bad payment histories.The RentBase database information will help people with “thin” credit files to build their file with rental payment history. This will give these people more opportunities to obtain credit and improve their credit report and score.Pay Rent Build Credit.comIn addition to the above database, consumers can also register to demonstrate their credit worthiness using Pay Rent Build Credit (PRBC). PRBC is a consumer reporting agency that was establish to help individuals demonstrate their ability to responsibly pay their bills on time.The information that is noted on this database, is information that the three major credit bureaus commonly do not report, such as, rent and utility bills. PRBC takes this information and not only compiles a report, but they also create a Bill Payment Score (BPS) that is used to supplement the three credit bureaus reports and scores when these are not available. Similar to the three credit bureaus reports, PRBC maintains history on file for seven years.It is a legitimate and safe way for consumers to get acknowledgement for their bill payments. PRBC does not charge consumers to enroll or view their information at any time, nor does it sell consumer’s information to solicitors, telemarketers, research firms or direct mail firms.If you currently do not have a credit score from the three major credit bureaus, this may be the help you were looking for. For more information or to register, visit www.prbc.com.Copyright 2006 Debt Management Credit Counseling Corp.
    may sound incredible to the average person, but people are willing to pay top dollar for information. However, the "packaging" must be perceived as being worth the price you are asking.But before you decide on how to package your information, you must first consider who your primary audience is, and cater to those people in everything you do.

    FOCUS ON SUBJECT MATERIAL THAT IS SALABLE

    Information for your subject matter can be found in various places. For the best results, start with your field of expertise and turn it into a book, manual, report or newsletter.

    Focus on providing your targeted market with simple, understandable, and helpful information. It must overwhelmingly appeal to your customers' wants and desires...

    Never forget that this is the age of specialized information. People are completely willing to spend their money for tens of thousands of different forms of information, provided it is useful to them. Your job is to either find a need and fill it, or create the need and supply it.One of the best ways to get started is to sit down with some paper and write down every subject you have some degree of knowledge about. Your list of subject doesn't have to be in any particular order. Don't force it. When ideas for headings no longer come easy, stop and start up again at a later time. When you feel comfortable that you have covered most of the areas you know, start picking out the topics that interest you the most. Then you can start researching more material for your writing projects.

    FILL YOUR MATERIAL WITH SELF-INTEREST BENEFITS

    Many new writers fail to understand that if they expect any hope for business survival, let alone success, they must come to realize early on that a big part of their job is to arouse the emotions and desires of their customers. Your product, whether a boo, manual, report or newsletter, must be portrayed as being jam-packed with self-interest benefits.

    Millions of dollars in failed business ventures are wasted every year simply because entrepreneurs fail to understand that what customers want to hear is not necessarily what they have to say. You should never forget this valuable lesson. It can make you rich!

    YOUR MATERIAL MUST STIR EMOTIONS AND DESIRES

    Emotions are what move people to buy anything. therefore, the job of your product and advertisement vehicle is to move your prospect to buy. You have to stir enough emotions, not only to cause desire, but the rationalization that provides an excuse based on logic.

    Even after a prospect makes a commitment to buy your book, etc.,they may think they have acted logically. None of your customers will ever admit that emotions had anything to do with their purchase. What you must always be aware of however, is that logic probably had little to do with the buyer's decision. That is because human actions are often caused by instincts and compulsions that most buyers are unaware of.

    As you write your material for publication in any form, or as you develop an ad or other sales package, always think in terms of how a particular benefit will stir a reader's emotions and desires. Try to understand how your product might be perceived by reader's by focusing on your own feelings.

    ADVERTISING IS VITAL TO THE SUCCESS OF YOUR SELF-PUBLISHING VENTURE

    The success of your advertising will ultimately depend on the salability of your book, manual, report, newsletter, etc. Good advertising will make a good book sell better, but it cannot transform a poor book into being successful.

    Advertising is vital to any business venture because:

    1) It allows a business to deliver their message repeatedly and reinforce it in the minds of targeted consumers.

    2) It allows a business to reach hundreds of thousands of potential customers at a relatively low cost compared to individual calls.

    3) It allows a business to target their market and test their product.

    4) A business identity can quickly be established.

    5) A forum for showing a product, together with benefits and advantages can be established.

    BASIC ADVERTISING RULES

    Effective marketing is a vast field. It includes using marketing tools such as: direct mail; space and classified ads; signs; radio and TV commercials; business involvement, and more. In fact, the approaches you can take and the methods you use are only limited by your imagination and resources. There are basic rules however that do not change however. They are as follows:

    Rule No. 1-You must get a prospects ATTENTION. ( Your headline is the most important part of an advertisement.)

    Rule No. 2-You must create reader INTEREST (Your ad should be built around an idea that offers value.)

    Rule No. 3-You must arouse the reader's DESIRE. (By focusing on all the benefits they will receive.)

    Rule No. 4-Your ad must move them to ACT. (Tell your readers exactly what it is you what them to do.)

    In order to avoid making careless advertising decisions that can cost you money, it is important that you understand and participate in your own strategies. That means getting involved and researching what strategy will produce sound advertising.It is essential that you have a plan before you take action on developing an advertising strategy. Your plan must be based on an objective analysis that resulted from your knowledge and it doesn't matter what your background is, you can learn to master the type of mail order advertising that is needed to launch a self-publishing business.

    Through research and careful planning you can become

    Home Based Business Story The Importance of Enthusiasm In Success
    Falling off his lily pad was nothing new to Yerkle the frog. Sometimes he enjoyed just sinking in the water, until he would thud- hit the bottom. This would usually pull him out of his daze. Today, however as Yerkle hit the water the other frogs were right there with a special surprise. They had toilet papered his pad. Painted "kick me I'm stupid" on his frog butt. And were now planning to give Yerkle a frog wedgie.(Don't ask me how you give a frog that doesn't wear underwear a wedgie.)Yerkle hadn't always been like this, at one time is was quite an enthusiastic tad-pole. But years of being made fun of by mean students and even some teachers had caused Yerkle to remain mostly to himself on his Lily Pad.You see now Yerkle had all the enthusiasm of a kid who has been told by his parents to "Clean out the Garage" on the first day of summer when his friends were going down to the lake swimming.The joke around the pond was what's more exciting? Watching Yerkle sit on his Lily pad or watch paint dry. Why watching paint dry of course. At least it won't make you want to croak!However, as unexciting as Yerkle was, he was just as brilliant. He was known around the pond as the "EggHead Genius." He was actually quite proud of this title and even had a sign placed near his pad with the words, "Yerkle the Frog- EggHead Genius!"Yerkle was always thinking up incredible ideas. He would write them in his journal, but that was as far as his ideas went. You see many of the other frogs thought that his ideas were stupid...too far fetched to work. They certainly couldn't get excited about any of them. Yerkle was so boring and lacking of enthusiasm that is was contagious. The other frogs just assumed that if Yerkle wasn't very enthusiastic about any of his ideas than there was no way they should be either.Time passed and then one day many years later Yerkle croaked and sunk to the bottom of the pond. His many journals were placed in the local frog library were they just sat collecting dust for several hundred years. Then one day a young frog student named Kermit, while doing research in the library uncovered Yerkle's journals.Kermit was much like Yerkle in that he had constantly been made fun of as a youth by the other frogs. But Kermit, while down hadn't been defeated. He certainly had absorbed his share of "slings and arrows" but that hadn't stopped Kermit.Kermit started to read through Yerkle's Journal and became absolutely fascinated. For in these journals dating back several centuries were the ideas and plans for many incredible inventions. Like the FrogoCopter. He sold those plans to Bell Helicopter for their latest modern day helicopter.The Frogoput
    portrayed as being jam-packed with self-interest benefits.

    Millions of dollars in failed business ventures are wasted every year simply because entrepreneurs fail to understand that what customers want to hear is not necessarily what they have to say. You should never forget this valuable lesson. It can make you rich!

    YOUR MATERIAL MUST STIR EMOTIONS AND DESIRES

    Emotions are what move people to buy anything. therefore, the job of your product and advertisement vehicle is to move your prospect to buy. You have to stir enough emotions, not only to cause desire, but the rationalization that provides an excuse based on logic.

    Even after a prospect makes a commitment to buy your book, etc.,they may think they have acted logically. None of your customers will ever admit that emotions had anything to do with their purchase. What you must always be aware of however, is that logic probably had little to do with the buyer's decision. That is because human actions are often caused by instincts and compulsions that most buyers are unaware of.

    As you write your material for publication in any form, or as you develop an ad or other sales package, always think in terms of how a particular benefit will stir a reader's emotions and desires. Try to understand how your product might be perceived by reader's by focusing on your own feelings.

    ADVERTISING IS VITAL TO THE SUCCESS OF YOUR SELF-PUBLISHING VENTURE

    The success of your advertising will ultimately depend on the salability of your book, manual, report, newsletter, etc. Good advertising will make a good book sell better, but it cannot transform a poor book into being successful.

    Advertising is vital to any business venture because:

    1) It allows a business to deliver their message repeatedly and reinforce it in the minds of targeted consumers.

    2) It allows a business to reach hundreds of thousands of potential customers at a relatively low cost compared to individual calls.

    3) It allows a business to target their market and test their product.

    4) A business identity can quickly be established.

    5) A forum for showing a product, together with benefits and advantages can be established.

    BASIC ADVERTISING RULES

    Effective marketing is a vast field. It includes using marketing tools such as: direct mail; space and classified ads; signs; radio and TV commercials; business involvement, and more. In fact, the approaches you can take and the methods you use are only limited by your imagination and resources. There are basic rules however that do not change however. They are as follows:

    Rule No. 1-You must get a prospects ATTENTION. ( Your headline is the most important part of an advertisement.)

    Rule No. 2-You must create reader INTEREST (Your ad should be built around an idea that offers value.)

    Rule No. 3-You must arouse the reader's DESIRE. (By focusing on all the benefits they will receive.)

    Rule No. 4-Your ad must move them to ACT. (Tell your readers exactly what it is you what them to do.)

    In order to avoid making careless advertising decisions that can cost you money, it is important that you understand and participate in your own strategies. That means getting involved and researching what strategy will produce sound advertising.It is essential that you have a plan before you take action on developing an advertising strategy. Your plan must be based on an objective analysis that resulted from your knowledge and it doesn't matter what your background is, you can learn to master the type of mail order advertising that is needed to launch a self-publishing business.

    Through research and careful planning you can become

    Will Unclaimed Money Trust Funds Disappear like Social Security?
    The government requires unclaimed money be turned over to state. Now they are passing bills to spend this money that may belong to you! Are they legalizing theftUnclaimed money accounts in the United States total over $25 BILLION dollars. The money ends up in these account do to the governments “escheat laws” requiring institutions such as banks to turn over funds from dormant bank accounts, uncashed checks, unused gift cards, etc. States are now passing bills to spend the money from these Unclaimed Property Trust Funds. These funds are owed to millions of Americans and instead of making any sizable effort to contact the rightful owners, the state is now proposing to spend this money to handle there own budget problems.States are passing bills allowing them to use the missing money funds. One such case is a Bill was passed last year in Arkansas. The Bill was created impart to allow the State to transfer up to $15,000,000 of funds from the “Unclaimed Property Proceeds Trust Fund” to the States General Improvement Fund. The subtitle of this Bill states the funds are to be used “…to provide additional funds for the State budget”.Some states such as Indiana and Iowa require that 60% of the money from unused expired gift certificates be sent to the State and 40% remain for the retailer. George Delta, from the counsel to the Incentive Marketing Association, stated “States require businesses to give them some type of periodic report of the amount of unclaimed property they are holding. This allows the state to monitor this potential source of income.”With the states experiencing such great budget benefits from the unclaimed property funds, they have little incentive to locate the rightful owners of this money.In the state of California the lost funds have reached over $5 billion and it is estimated 1 in 5 have unclaimed money. How hard is it to find Ryan Seacrest, Reese Witherspoon, Julia Roberts, Kate Hudson and Benicio Del Toro? They are all owed money from California’s state database. Microsoft is owed over $25,000!!! California’s Unclaimed Property Trust Funds is likely to be a target piggy bank for the CA Governor to use to assist with the states budget issues.
    onsumers.

    2) It allows a business to reach hundreds of thousands of potential customers at a relatively low cost compared to individual calls.

    3) It allows a business to target their market and test their product.

    4) A business identity can quickly be established.

    5) A forum for showing a product, together with benefits and advantages can be established.

    BASIC ADVERTISING RULES

    Effective marketing is a vast field. It includes using marketing tools such as: direct mail; space and classified ads; signs; radio and TV commercials; business involvement, and more. In fact, the approaches you can take and the methods you use are only limited by your imagination and resources. There are basic rules however that do not change however. They are as follows:

    Rule No. 1-You must get a prospects ATTENTION. ( Your headline is the most important part of an advertisement.)

    Rule No. 2-You must create reader INTEREST (Your ad should be built around an idea that offers value.)

    Rule No. 3-You must arouse the reader's DESIRE. (By focusing on all the benefits they will receive.)

    Rule No. 4-Your ad must move them to ACT. (Tell your readers exactly what it is you what them to do.)

    In order to avoid making careless advertising decisions that can cost you money, it is important that you understand and participate in your own strategies. That means getting involved and researching what strategy will produce sound advertising.It is essential that you have a plan before you take action on developing an advertising strategy. Your plan must be based on an objective analysis that resulted from your knowledge and it doesn't matter what your background is, you can learn to master the type of mail order advertising that is needed to launch a self-publishing business.

    Through research and careful planning you can become familiar with the writing skills you will need to create effective ads. Obtain all the information you can from the masters in the business. Read and study every book, manual, report, newsletter, sales letter, ad, article, and publication you can get your hands on that will help you in developing your own successful strategies and techniques. Then bring all of that knowledge together to obtain winning results.

    10 MONEY-MAKING REASONS WHY SELF-PUBLISHING IS THE BEST CHOICE

    You become a "self-publisher" by taking your material (book, manual, report, newsletter, etc.) and by-pass all the middlemen. You by-pass the middlemen, by going directly to a printer and handling all the marketing and distribution of the product yourself. As a self-publisher you invest your talent,time and energy and money. The benefits you receive are complete control over your product and all the profits~

    Here is a condensed version of 10 good reasons why you should self-publish:

    1) Self-publishing may be the only way to get published. With thousands upon thousands of manuscripts, etc. being sent to publishers continually you may not be able to get to anyone to even look at your idea. Self-publishing may be your only solution.

    2) As a self-publisher you get to keep all of the profits from your sales. Why accept 45-6% in royalties from a publishing company when you can have it all!

    3) You have absolute marketing and editing control when you self-publish. According to A Writer's Digest poll, 60% of the big publishing firms do the final editing; 23% select the final title; 20% will not even consult an author on the cover design, and 37% do not involve authors in promoting their own material.

    4) Major publishers may receive up to several hundred manuscripts a week. Unless they have already published your work, the odds they will even look at your material aren't very high.

    5) When you self-publish you are in control every step of the way. By depending on another publisher to make things happen for you, you take the chance of never getting anywhere.

    6) By self-publishing you gain the perspective of being able to see the complete marketing picture from a publisher's point of view.

    7) Even if a publisher did accept your work, it would take an average of 18 months before the first copy reached the marketplace. Self-publishing will save you valuable time. Especially if you can't afford to miss a market that can quickly pass by.

    8) Waiting for a letter from a publisher that never comes can be frustrating and embarrassing. Self-publishing eliminates the waiting and wondering.

    9) When you self-publish and get more directly involved in marketing you will obtain a more total business picture.

    10) As a self-publisher you will receive more tax advantages.

    ---------------------------------------------------------
    Julia Tang publishes Smart Online Business Tips, a fresh
    and informative newsletter dedicated to supporting people
    like you! To find out the best online business opportunities,
    and to discover hundreds more proven and practical internet
    marketing secrets, plus FREE internet marketing products
    worth over $200, visit: http://www.best-internet-businesses.com
    ----------------------------------------------------------

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