The Helpful Pointer

Citizens of Denver and the surrounding metropolitan region are increasingly securing their savings in bank checking and savings accounts. Despite the recent wave of bank failures and trouble throughout the domestic financial industry, many still see standard bank accounts as the safest place to keep their money. Bank accounts are insured by the government via the FDIC (Federal Deposit Insurance Corporation). All accounts are insured up to $100,000, and retirement accounts are insured up to $250,000. This means that even if your bank were to fail, your money would be safe and protected up to those limits.

Regular bank accounts in Denver also offer the convenience of allowing you to draw on your account via bank checks, ATMs and teller withdrawals. While savings accounts don’t offer bank checks, the money stored in them is still immediately accessible via an ATM or teller. Savings accounts also typically earn interest, although the interest rates on standard savings accounts are generally low. The availability of money in check and savings accounts compares favorably to money invested in 401(k)s, IRAs and stocks, which is typically not immediately available for withdrawal. Accessing this money often involves paying a substantial amount in taxes or penalties.

If you’re looking for a higher rate of return while guaranteeing the absolute safety of your money, a bank CD, or certificate of deposit, may be right for you. When you invest your money in a bank CD, you’re giving your money to the bank for a set period of time. Banks can offer a higher rate of interest on CDs because they know they’ll have the money for a specified period of time. Bank CD terms vary from as short as three months to as long as five or more years. The more money you invest and the longer the term of the bank CD, the higher the interest rate the bank will offer you. Keep in mind, however, that CDs work because you guarantee the money to the bank for a set amount of time; if you withdraw the money early, you may forfeit the interest or loose part of your principal to penalties.

Learning to write more effective e-mail is a valuable skill when you are trying to build an online business. Here are a few tips to get you started.

SUBJECT LINE

1. Capitalize The First Letter of each word in your subject line NOT EVERY LETTER. writing in all lower case should also be avoided. You may be trying to make sure your e-mail gets read when using all caps, but it will be deleted most of the time, without ever being read.

2. Avoid making claims that are difficult, if not impossible, to prove. Try to avoid words like best, biggest, easiest, greatest, and so on. These words are subjective, and will often cause people to delete your message without opening it. If you feel you absolutely must use words like this in your subject line, then support them in the body of your e-mail.

3. Make them short and compelling, but don’t use deception to get people to read an e-mail. “Message From Admin” or “Account Deleted” are two examples of deceitful subject lines. You may get someone to open the e-mail, but if they find an ad they will delete, and more than likely, block future messages from you.

   BODY

4. If you are sending e-mail to someone you don’t know personally, then explain who you are and why you are sending the e-mail. Example: “You are receiving this e-mail because you are in my A1SFN downline”, a simple explanation is usually all that is needed.

5. Pay attention to how the body of your email looks. Remember to put a space between paragraphs, but avoid too much use of “white” space, too. You want your e-mail to be easy to read.

6. Use proper punctuation, and use capital letters at the beginning of each sentence. Messages written in all lower case are fine for quick notes to family and friends, but have no place in a business e-mail. Don’t forget, spelling and grammar count too.

7. Sign your name to your email. It shows your downline you are a real person, and builds trust.

8. Use a p.s. in every message you send. It is one of the most read parts of an e-mail. Ask for some action on the part of the reader in the p.s., but keep it relevant to the main text of the email.

9. A signature line is an accepted way to do any non-relevant advertising. Most mail providers offer this service.

   OTHER

10. Don’t spam. If you are not sure whether the email you are sending will be considered spam or not, then don’t send it.

11. Respond to emails you receive as fast as you can. Within 24 hours whenever possible.

12. Finally, test the different parts of your e-mail on a regular basis. Keep what works and get rid of what doesn’t work, and you will soon find your email response rates go up.

Take some time to review these tips, and see where you can make improvements, you’ll be glad you did.

About The Author

Michael Oksa is the publisher of the A1 Success Force Newsletter. You can save time and money when you’re well informed. More info at http://www.a1successforce.com

a1sfn@yahoo.com

You’ve probably heard the expression, ‘the money isin the list’. It’s become a bit of a cliché - but it’sthe key to successful web marketing.

About 95% of visitors will not buy on their firstvisit to your website - in fact, most of yourcustomers will have to see your message 7 times beforethey buy.

Many people starting out on the Internet believe thattheir main marketing tool is their website.

In fact, your main marketing tool is your mailinglist. A website is just a way of building your mailinglist - by collecting the email addresses of yourvisitors.

Here are some examples of how to use mailing lists aspart of your marketing strategy. You could send:

=> a customized newsletter to your subscribers

=> sequential autoresponders to prospects

=> your Articles to Ezine publishers

=> offers for other products to your customers

However, managing your mailing lists can quicklybecome an organizational nightmare if you don’t havean Automated Email Marketing Tool.

An AEMT is a program that merges personal data into aform letter, schedules follow-up emails, and handlessubscribes and unsubscribes automatically.

————————————— Server Side or Client Side? —————————————

The first thing you’ll need to decide is whether touse a Server Side or Client Side program.

A Server Side program is a script that sits on yourserver, whereas a Client Side program is anapplication that sits on your PC.

In general, Client Side programs are capable of muchmore advanced email management than Server Sideprograms.

But Server Side programs do have some advantages:

=> With a Server Side program, people who join your

Newsletter receive an instant ‘Welcome Message’

=> Server Side programs include an unsubscribe link

at the bottom of your Newsletter. The reader

just clicks on that link and the cgi program

removes them from your mailing list.

=> With Server Side programs, you don’t need to be

connected to the Internet while your Newsletter

is being mailed out. You just click a button on

a web page and you can then go offline - the

mailing is being performed by your server.

Here are some tools for automating your emailmarketing:

———————————————- Subscribe Me Pro (Server Side) ———————————————-

This is a popular program amongst Newsletterpublishers - it mails out your Newsletter and providesautomatic subscribe/unsubscribe functions.

Subscribe Me Pro gives automatic mail-backconfirmation when people subscribe or unsubscribe andyou can include automatic Add or Remove links in eache-mail, so users can add or remove themselves.

http://www.freezineweb.com/cgi-bin/subpro.cgi

————————————————- Auto Response Plus (Server Side) ————————————————-

This program gives you unlimited follow-upautoresponders. It allows full personalization ofsubject lines, headers, footers, ads - every part ofevery follow-up message can be personalized.

Auto Response Plus gives you full control over thescheduling of your follow up messages - you can set aninterval between messages or schedule them to be senton certain days of the week.

Although this program is designed primarily forsequential autoresponders, it’s also quite capable ofmailing out your Newsletter and managingsubscribes/unsubscribes.

http://www.freezineweb.com/autoplus.html

——————————- Mailloop (Client Side) ——————————-

This application includes a newsletter server, webform processor, bulk emailer, customer databasemanagement, and autoresponders.

As with other Client Side programs, Mailloop allowsyou to merge an unlimited number of fields into youre-mail message (for example: first name, last name,e-mail address, product purchased, date of purchase,etc).

http://www.freezineweb.com/mloop.html

————————————– World Merge (Client Side) ————————————–

This is another application that allows you to mergepersonalized data into form letters.

Depending on your modem and the quality of your ISPconnection, this program will send approximately 8,000messages per hour.

WorldMerge is excellent value - it’s about a quarterthe price of similar programs.

http://www.freezineweb.com/worldmerge.html

———————————— Postmaster (Client Side) ————————————

Like other Automated Email Marketing Tools, thisprogram allows you to create a form letter and mergepersonalized data into each letter. Your letters areaddressed to ‘Dear Michael’ instead of ‘DearCustomer’.

Postmaster acts as a List Server, sends out follow-upAutoresponders, and manages your database of contacts.

http://www.freezineweb.com/postmaster.html

To sum up, in a successful web marketing strategy,your website is merely the first point of contact. Youthen need to:

(1) build an opt-in email list of potential

customers (your website visitors)

(2) use automated email marketing tools that allow

you to follow up with your site visitors.

If you aren’t building mailing lists and usingautomated email marketing tools you could be losing upto 90% of your potential sales.

————————————————————
Michael Southon has been writing for the Internet for over 3
years. He has shown hundreds of webmasters how to use this
simple technique to build a successful online business. Click
here to find out more: http://ezine-writer.com/
————————————————————

Perhaps you, like me, have web hosting that includes, free of any extra charge, unlimited autoresponders. That being the case, you might be inclined to balk at any suggestion to start paying for them.

Recently, however, I made the switch to paying a monthly fee for unlimited autoresponders. Am I rich (with money to burn)? Have I lost my mind?

Actually, I consider this move to paid autoresponders to be a wise decision. Here are some reasons why you might want to pay for an autoresponder service.

1. Sequential Autoresponders: Although many web hosts offer unlimited autoresponders, each autoresponder is only capable of sending one response. Building business relationships with paid autoresponder services can thus increase your sales.

2. Tracking Capabilities: The autoresponders that come with your web host don’t have built-in tracking capabilities. Tracking customer response with paid autoresponder services can lead to more effective advertising campaigns.

3. Deliverability: A very large number of your newsletter subscribers are not getting your newsletter if it is sent using your web host’s mailing list program. Improving newsletter delivery with paid autoresponder services will improve your bottom line.

4. Legal Protection: Since the e-mails you send are hosted on the autoresponder service’s servers, you are insulated from false accusations of sending spam (unsolicited commercial e-mail). Protect yourself legally with paid autoresponder services.

You could also consider buying an autoresponder program (or script) that will allow you to run unlimited, sequential autoresponders from your websites. However, they can be expensive, require some technical skill, and still have some disadvantages.

For example, since you are hosting your own autoresponders, you might still have issues with deliverability and legal protection.

Paid autoresponder services, with their many advantages over other autoresponder systems, can increase your business profits.

J. Stephen Pope, President of Pope Consulting Inc., has been helping clients to earn maximum business profits for over twenty-five years. For more information about autoresponders and other profitable Work at Home Small Business Ideas, visit www.yenommarketinginc.com/autoresponders.html

A barrister bookcase is a unreformed shelf that is believed to have originated in Britain. Its discerning feature is a flawless field glass front. This glass front is hinged at the allowing someone simple admittance to books and other legal documents simply by lifting the glass door. The barrister bookcase is ideal for just about anything. A Barrister’s bookcase was frequently used by a lawyers since it was often necessary for them to move. Today, they are also very useful, specially if one is forever on the move. This is because the bookcase is closed by use of doors.. This forbids them from having to be emptied on moving

These antique book shelves

Barrister bookcases have the favored position of protecting things from debrisand other foreign impurities. They in fact offer great protection. Apart from debris, sun is also blockedby adding UV treated glasss. sun impacting the texts This in turn maintains the books colour and its bindings from languishing.

This special brand of furniture, despite many benifits,often are rather pricy. Fortuitously, their many rewards have moved some producers to start creating replica editions and some in modern versions at very small prices. Some editions have simple looks. These can fit any style.They can also be trimmed cheaply.They can be stacked together allowing them to be easily used to create very interesting unit arrangements. Some can be used to create sofa tables, pulpits or even dining areas.

Twitter: bookshelves on twitter

Sports trainers is assumed to be the most significant piece of equipment you’ll purchase so it’s crucial that you elect to choose the correct shoes. Find superb deals on golf balls online today.

A great many people don’t recognise that there are many differences in the way sports trainers support your feet. It is not good for your feet if you participate in football or tennis in the exact same trainers you wear for jogging.

“Unfortunately, 65% of the Great Britain’s recreational men and women athletes put on the wrong footwear for their preferred leisure activity,” he says. “Trainers are the most significant piece of fitness kit you’ll ever obtain and altering what you wear on your feet can stop damage.”

Football can put lots of stress on the feet, in particular when playing on hard pitches like that of AstroTurf. The football boots can also put tension on your feet, & it’s not exceptional for a footballer to suffer from corns, calluses or damaged, thickened and ingrown toenails. A terrific, well-fitted pair of football shoes is imperative & there shouldn’t be any signs of pressure on the foot after a game or training session.

Racquet sports: It is important when playing racket sports, such as table tennis or badminton, to choose trainers specifically designed for the purpose. These sports involve a significant amount of right-to-left movement and jogging footwear won’t give the correct solidity. Racquet sport shoes are heavier & more firm than jogging trainers, as their toes are designed for stop-and-go action. Comfort is recommended to be your core priority & it is essential to swap your sports footwear repeatedly.

Hill-walking is an admirable way to get going an exercises regime, while the more experienced go for climbing. It’s tremendous for your cardiovascular health but is lower impact and so comes with less risk of damage.

We can assert that Algebra is the heart of mathematics. An in depth knowledge of algebra and its basics is required before you could work on other mathematical problems. If someone asks you to derive the product of 223 and 112, you can easily do it manually or with a calculating machine. But when it comes to exponential (e) of 223 and logarithmic (log) of 112 then obviously, you will need some kind of algebraic calculating machine or algebra problem solver. Graphing a circle will be easy for this given formula X² + Y² = 4 but when it comes for an inequality like (X-2)² + (Y-4)² > 20 then it will be quite harder to plot the graph. In this situation algebra software system can help you immensely because once you enter the inequality in the program, the graph will get plotted automatically within very little time. These computer software can easily solve any kind of algebraic, arithmetic and radical expressions of any level of complexity.

Domain and Range of a Function

Although, working out the domain and range of a function such as Y = X² can be easily found by considering the number range on the X-Y plane, defining the domain and range of a log(tan 2x + sin 3x) = cosine^(-4)(2x) will be excessively difficult. But thanks to algebra calculating systems, you can now solve these complex sums in very little time while being able to understand every step of the way that it takes you to successfully solve the mathematical question.

Coordinate Geometry

It is now, easier than ever to find the vertex and directrix or whether a parabola opens up or down, using algebra software packages. In addition, subtraction and multiplication of polynomials, you are more likely to become fatigued because they require a lot of terms to be manipulated. However, by leaving the job up to algebra calculators, you will be able to get results within a shorter period with 100% accuracy. Solving determinants and matrices of 3×3 or 4×4 order can become very hard since it involves lots of calculation; getting inverse of matrices even more so. However using algebra software will make this task much simpler.

So now you need not to start worrying when you see indices, rational numbers or exponential equations. Parabolas, hyperbolas or ellipses can all be easily graphed within computer algebra systems.

This is one of those topics which never goes away. No matter how many times the subject comes up, it’s not long after we are spammed. The following are general guidelines to follow.

It’s NOT acceptable to:

- Email your entire address book ads
- Forget using a mailing list
- Forget reading guidelines on groups
- Offer “great ways to make money” to someone that didn’t ask for it

Basically put, s*pam is a message you send to profit yourself which they don’t want. They didn’t ask for it, they don’t need it. It doesn’t matter how great your specials are or how wonderful your business opportunity is. There are millions of great website and opportunities on the internet, and even if you think your’s is the best it may not be to someone else.

What IS acceptable:

- Always use mailing lists
You must use some type of a professional mailing list where others can subscribe or unsubscribe themselves. Double opt-in is a must, which means when they enter their email address it must be confirmed before they are officially subscribed.

- Always include contact information
This is a spam compliance law - you must follow up your mailings with your publishing info INCLUDING mailing address and phone number.

- Always read group guidelines
The fastest way to make a group owner mad is not following their guidelines. You want to make friends, not burn bridges.

Remember: “I didn’t know” is never an excuse, and if someone were to report your email as spam your business could suffer dearly. They say “Ignorance of the law is no excuse”, and the same applies online. To own a business of any kind is a large responsibility, and your job is to know everything there is to know about starting. This includes licences, spam laws, local requirements, etc.

About the Authors: Kara Kelso & Anita DeFrank are two busy wahms, and the owners of Direct Sales Helpers. For free direct sales tips, visit:
http://www.DirectSalesHelpers.com/newsletter.html

With over 10-years experience marketing on the internet, I am often asked about lead generation. Like email, lead generation can be really tricky. When I acquired the moniker “The Email Expert” about five years ago, I realized that focusing and becoming very good at an Internet marketing system required heavy responsibility. When I wrote what has now become the email bible called “Effective Email Advertising” (for a free copy go to http://www.global-reachltd.com/FreeDownloads.asp),I was careful to demonstrate what makes email advertising successful and what pitfalls to avoid. Now it is my desire to teach you how to generate your own leads and this requires just as much skill as email marketing.

Lead generation is very important in email marketing. Actually, many of you have heard from the other Internet gurus that your success is in your list. This is quite true but with an interesting caveat. You actually have two types of lists. First you have your prospect list(s) and then you have your customer list(s) from those prospects that have purchased from you. In order to garner a fresh supply of prospect leads, I accomplish lead generation in two ways:

1. I purchase optin permission-based leads: If you purchase optin leads be sure that they come with a date stamp and IP address to prove they are optin and always ask for the URL of the lead generation site that garnered the lead. If the list broker refuses to give you the URL then walk away. There is a very good chance that he is buying his leads from another broker or something is questionable about the lead source. I like looking at how the lead was generated. Many lead generation sites promise things that cannot be delivered and this produces a very poor lead. For example, mortgage lead generation sites claiming to have loans at a 2% fixed rate is ridiculous. Yes, they may garner a ton of leads but no one is writing 2% fixed loans so what good are they?

Another thing to consider if you purchase leads is exclusivity of the list. If the lead broker is selling the same list to dozens of people, what is up with that? Most brokers break their lists down to exclusive, semi-exclusive and bulk leads, which basically means it goes out to as many people that will order it. Don’t let the cheap price fool you. Bulk lists are not worth it! If you need some good lead brokers, please send me an email at drjay@global-reachltd.com and I will provide you with the list of lead brokers that I use.

Once you get fresh optin leads you need a responder or an email blasting platform to send them out. This is without a doubt the most difficult thing to find since not only is it imperative you stay SPAM Act compliant, but you must find an email platform that will provide enough bandwidth to make it cost effective to use. I use BlastPak (http://www.blastpak.com) because they do not have any limitations as to the size of the list(s) you can upload daily (it’s unlimited) nor do they have any limitations as to the maximum amount you can email out daily. And also they do not require that you buy your leads from them. This is very important!! The new trend in email responders is the requirement that you buy all of your lists from the responder company and at rates that will cause apoplexy.

BlastPak is simply an email blasting platform that allows you to market your prospect list(s) effectively and at a very reasonable cost. I also use BlastPak to send out my weekly GlobalMarketPlace ezine and weekly Ready-Set-Grow newsletter. I personally use the “up to 130 million emails per month” plan and it costs me just $1400. The rates are on a sliding scale and begin as low as 1,000 emails per month for just $14.99. BlastPak also comes with a verification and tracking link that provides some very important real-time marketing and sales information, which is definitely “to die for” when it comes to testing. I test everything! I test my subject line, my main body offer, my graphics, the click through to my sales page, etc. I even test my text message. I accomplish my tests by sending out emails in blocks of 1-million with various ad messages and subject lines. The ones that “pull” the best are the ones I then “blast” out to the massive lists I have acquired over the past ten years. Honestly, I have not found any responder that is as good as BlastPak and I should know, my company sends out over a billion emails per day for our products as well as for other companies. BlastPak does not come with any of the limiting factors the other responders come with and it is very efficient and simple to use. I could not achieve the sales that I accomplish without an email blasting platform. Email is my best ad medium and I rely on it completely since it performs very well for my product base. And please don’t forget that BlastPak can also be used to drive customers to your own lead generation site.

2. I also set up lead generation websites to garner the leads myself: I need you to pay very close attention to what I am about to teach. In Internet sales it is important to set up ONE website for ONE product and this is very true in setting up a lead generation website. The following are some examples of lead generation websites that garner auto leads for car dealers.

http://www.auto-credit.com
http://www.auto-loans.com
http://www.instantcarloan.com

The leads cost a dealership $6.00 each and come in the form of approved loans applications as well as bank turndowns. So, rule number one: set up one website for one product.

With the above examples of auto lead generation sites, there are no incentives offered. The site only requires the customer to apply for a loan. Either your lead generation site requires some action that the customer is willing to undertake such as applying for a mortgage (http://www.glenwoodfinancial.com), applying for a free printer (http://www.freecolorprinter.com), or you must use an incentive. On my company website http://www.global-reachltd.com in order to capture leads for my ezine and newsletter, I offer a free vacation. You can also offer free eBooks, software, free phone cards, coupons, discounts, etc but be sure they apply to whatever industry you are attempting to garner leads for prospecting purposes. Please do not offer a free eBook on search engine optimization when you are attempting to garner leads for a new health drink. They have nothing in common. I also have a free download page with a contact information capture page in front of it. In order to get to the free downloads you must first give me your contact information and the capture page states that I am going to send you information.

Keep your lead generation website simple and easy to navigate. Take a look at the above given site Auto-Credit.com. Notice the bright orange color and the simplicity of the site? Color is important but flash and all the bells and whistles are unnecessary. Now click on the menu “Partners” and see that they also have developed this site for dealerships looking to acquire the leads the site garners. Last, they use a very generous affiliate program to drive buyers to the site. Remember the rule: ONE product and ONE website. Please do not mix lead generation products. Offer the prospect a viable incentive as a reward for giving you their contact information.

Next, you need to optimize your site with the search engines using proper SEO techniques. I use one of our in-house divisions called GlobalSEO because they are excellent and charge only $750/year for one URL (page) and $180/year for each additional URL or page. If you are interested in using GlobalSEO please send them an email with your needs at GlobalSEO@global-reachltd.com. One of the Team Leaders will call you to discuss your site.

SEO is only one of the techniques needed to drive customers to your lead generation site. Notice the domain names to the auto lead generation sites are basically describing what the site does. When choosing a domain name, pick one that is as close to the keyword(s) or keyword phrase or the type of lead you wish to garner. This actually assists you when it comes to SEO.

Cross linking is extremely important in optimizing lead generation sites. GlobalSEO builds web communities and then links these communities together using cross links. For example, a mortgage lead generation site would be linked to real estate agents, brokers, realtors, home improvement sites, etc. As long as the links are compatible and/or within the “community” they will increase the lead generation site’s visibility with the search engines.

That’s about it for now. Lead generation requires consistent and massive advertising but it is quite profitable if done correctly. As always, I remain available to answer any questions.

About the author: Dr. Jay Sherbondy resides in Las Vegas, Nevada and is the Director of Group Operations and Chief Human Behavior Specialist for Global Reach International Ltd. The author of over two dozen books, Dr. Sherbondy attempts to teach the application side of human behavioral science as it applies to Internet marketing. He may be reached at (702) 877-2420 or at drjay@global-reachltd.com.

Other articles by Dr. Sherbondy…to request an article simply send an email with the title of the article in the subject line to support@global-reachltd.com

Alliance Marketing
Email Realities
Help!
Peaceful Consumerism
The Psychology of Sales
Words - Truth or Not
Viral Email
Lead Generation

The chances of scooping the EURO MILLIONS jack-pot is a far-off one in seventy six million but the odds of winning a cash prize is a somewhat decent 1 : twenty-four. When the jack-pot is not won on a given lottery draw, it is carried forward to the following lottery draw that will result in an ever increasing jackpot prize. New rules brought in on the 09/02/2007 specify the amount of consecutive roll-overs to 11, with the jackpot rolling down to lower prize levels in the 11th draw when the prize is not won.

The Euro millions lottery or the Euro Lottery, as it is commonly renowned, pools the ticket revenues of the 9 partaking Euro countries giving a gigantic Euromillions jackpot. With the amount of countries joining the EU on the increase, that will without question will lead to new countries participating in the Euro lottery. An increase in the number of individuals partaking in the Euro millions lottery will result in a lasting increase of the already massive EuroMillions jackpots.

The recent regulations also initiated European Super-Draw which go on twice yearly plus they offer jackpots in the region of 100 million pounds. The difference with Super-Draws is that the jackpot must be won during the week of the draw; this means, when there is no lotto ticket matching, all the drawn numbers then the top prize will then be distributed to the lotto ticket bearer(s) in the next winning prize tier.

Every player has to pick out five main numbers from one to fifty plus 2 Lucky-star numbers from 1 to 9. During the draw, 5 primary and two lucky star numbers are then chosen at random from 2 lottery draw machines containing numbered balls.