In Part I of Work at Home (Home Business) Scams, there was a list of home business opportunity scams. In this article we will list some more types of home business and internet scams. There is an increasing number of scams on the internet involving sweepstakes, membership clubs for free money or merchandise.

Home Typing, Medical Billing, and More.

There are lots of work-from-home scams that involve persuading you that some industry has more work than it can handle, and so has to outsource to people working from home. For example, you might be told that you’d be typing legal documents, or entering medical bills into an electronic database. These scams have one thing in common: they all say that all you need is your computer and they all then go on to say that you need to buy some ’special software’.

This software might appear to be from a completely unrelated company, but don’t be fooled – the whole reason the ‘work-from-home’ ad was there to begin with was simply as cynical marketing for the software.

MLMs and Network Marketing

As you can see there are hundreds of MLM money-making schemes. Not all of them are bad but watch out because a lot these are scams. The most popular one is to pay a high amount of fee to join – Let’s say this maybe ok to some extent. After you join, you are encouraged to purchase their training material which includes books, tapes, CDs etc. In fact your sponsor (your referrer) and your upline is making money from the sale of these training materials. Also, you will be invited to meetings and seminars where you have to pay some entry fee to listen to a successful member.

Soon they will encourage you to sell the training material to your downline because that’s how you are going to make money! In fact there are people who make six figure incomes in this and it is because they sell a lot study material and also have a downline who sell a lot of the study material. While selling these study material, they mention that these expense are tax deductible. Think about this. Why should you pay to get training and listen to successful members in order to learn how to sell their products? Have you ever worked for a legitimate company as sales person where you have to pay them to train you to sell their products and services?

Chain Emails

Here what it is… You have to send some money to 5 people on the list. After this, remove the name on the top of list and add you name at the bottom (your name is #5 now). Forward this email to others through bulk email and ask them to do the same. The email says that you will receive money as others start doing what you did. First of all spam is a crime. Before the email era, this was done through snail mail and this was considered a crime according to the USPS.

This eventually is supposed to make you a multi-millionaire! If this was so easy, we would be having millionaires all around us. If you can in your email client, just mark these emails as spam so in this way you don’t even get to read it.

Getting Free Merchandise

This is a scam where you have to join a membership club by paying a fee that promises you expensive merchandise like computers, laptops, jewelry, TV etc. This is very tricky and misleading. You have to refer more people to join the club by paying the same membership fee. You may bring in some people to join the club but not enough to get the free stuff. A lot of them give up. The people who started the club keep the membership fee. This is absolute scam! Remember to keep your money in the wallet. You have a better chance to make money or win that merchandise in a lottery/sweepstakes.

Vacation prizes You get this email that says Congratulations, you have been selected to receive a great vacation. Send money to cover the administrative expenses and taxes. And, then you don’t hear anything about. If you contact them, then they will encourage you to upgrade to a Luxury cruise or 5 star hotels. When you get there, that cruise or hotel is nothing like described when you paid for the upgrade.

Here what you can do when you receive such offer. Ask them for the phone number of the cruise line or 5 star hotels. If you succeed in getting it, the call those numbers and make sure there is a reservation in your name and also ask about the features of those cruise line or hotel. In this way you can avoid this scam.

The Infamous Nigerian Email – 419 Email fraud

How can a list of internet scams be complete without even mentioning the Nigerian email? So, here you go. These fraud emails are referred to as 419 emails. You will receive an email stating that there is some money (usually more than 30 million dollars) that the sender received by some miscalculation or due to the death of relative in a plane crash or something like. It is amazing that they pick a plane crash from the news and also get pictures of the burial with the name on the tombstone. The last name on the tombstone may even match that of the sender of the email.

The sender gets the money if it leaves the country in certain number of days (usually a short period of time so that the recipient shows some urgency). Or the other twist is that the deceased person has 30 million dollars in a US bank and that needs to be transferred to someone’s account in the same country. If you help them out they will give you $4,000,000 to $5,000,000.

If you do respond to this email, then they will ask you for your bank details. Also, you will be asked to give some advance fee and taxes, which are usually much less (few hundreds to thousands) than what you are going to get $5,000,000! Once you start paying advance fee, there will be some problems/ complications like some official needs to be bribed to get involved. There are always some complications that needs some money to resolve. You keep sending money to a bank account in Nigeria. Can you imagine filing a lawsuit against someone in Nigeria? Eventually, the recipient will lose a few thousand dollars. It has been estimated recently that US alone loses 1 million dollar per day. This is an international scam. You can imagine how much is lost worldwide.

As you can see, running a ‘home business’ that just involves ‘working’ for one company is a bad idea. You are better off at your old office job where at least your ex-employer was legit! With Home business opportunities, you don’t know who you’re dealing with. Here’s the clincher, though: even with entirely legal work-at-home offers that do pay you for your work, you still won’t make anywhere near as much as you can with your very own home business. Visit http://www.internetandmoney. com to discover how you can make money on the internet from multiple streams of income ideas. Also, visit http://www.startsellingone bay.com for eBay selling tips.

I have not been able to find the real idiot quiz. I have found many different ones that resemble that one but they are not the same. I want to forward it to some friends because when I took it the quiz made me laugh and I think that my friends would enjoy it also. I think I will just try to do an internet search and see if I can find the one that I took before. All I remember is that I checked of most of the yes answers and in the end I looked like a true idiot.

I do not think I have ever laughed so hard at a quiz before. That idiot quiz is just too funny. All of the questions have something to do with a sort of embarrassing situation and has it ever happened to you. It is truly amazing when you see all of the situations that you check off in the yes column. I found out there are plenty of us idiots out there. The older you get the more likely you will be checking yes off over and over. How fun to come up with this type of quiz and its funny questions.

Setting goals is the first step in achieving them. Without a mark to
hit, you never really know what you’re aiming at. In fact, most of us set goals without even realizing it. Maybe it’s our goal to wake up tomorrow morning at 6:00 a.m. for work. Or perhaps we have a goal to watch the latest episode of our favorite show on TV this week. The truth is, we set goals every day. Goals and dreams are close relatives. Your goals in life will constantly change. Your previous goals could have consisted of going for that “A” in biology…or maybe just getting up in time to make the biology class! Now your goals can take you to a rewarding and prosperous future with the help of a few of the guidelines.

Your Dream/Goal List

Let’s do a dream list of everything you’ve ever wanted. Ask yourself,
what would you do with your life if you had unlimited time, talent and money? What do you want to do, be, see, have or experience–to learn, change, create, improve or eliminate? This is a starting point — a place to begin pulling out the important ones — the ones that may become goals. You also should have a current handle on where you are in the various areas of your life. Now it’s time to do some sorting and filtering of the items on your Dream List. Now we begin to focus in on those things that really inspire you to your highest and best.

I’m a firm believer you can accomplish anything you want in life.

Notice I did not say EVERYTHING you wish to accomplish; I said ANYTHING. If someone else has already done it, you can do it, too. If NO ONE has done it, you can be the first. Nothing is impossible. I didn’t say, however, that it would be easy. Only you can decide whether or not your goal is worth going for. Your determination will make it work. But it has to be something big enough and important enough to be worthy of your best. Out of the dozens of items on your Dream List, you will want to select twelve. Write these goals down in your journal or on a 3×5 card. From this list of 12, you’ll further narrow it down to three. These are your top three key goals. The goals you’ll be devoting most of your efforts to achieving. This process is not something you do in 15 to 20 minutes. This requires some concentrated and focused attention. Try carving out three hours over the course of the next week. An hour at a time would be great.

Don’t Think it — INK it.

I could spend a lot of time selling you on the power of writing your goals down. Instead, in the interest of time, I’ll ask you to trust me. Verbal agreements are legal and binding. The problem is, they’re open to too much interpretation. There is too much chance for ‘he said — she said,’ issues. As a result, for any important agreement, we create written documents to help us make sure everything is clear and nothing is forgotten over time. And what could be more important than our dreams and goals? If you’re serious about accomplishing your aspirations, you’ve simply have to write them down. Remember: ‘With a written agreement, you have a prayer; with a verbal agreement, you’ve got nothing but air.’ Write your goals down, CLEARLY. Write them in the PRESENT tense: ‘I now have, I now am, etc’. Write them where you’ll see them often, like the bathroom mirror or refrigerator. Write them in color or cut out pictures. The next step is to formulate a strategy for reaching your goal.

Action Plan:

Make a list of everything you have done in the last month to achieve
your goals. Next to each item, make a mark. Write “A” if it is an action. Write “T” if it is a thought. If you don’t end up with at least 80% of your time spent on positive actions, promise yourself that you will make a change. Don’t think about making a change. Do it.

Now some KEYS to successfully begin:

Take responsibility for the current condition of your life. If you
don’t have what you want, it’s nobody’s fault but yours.

Figure out what you want and set specific goals. Write them down.

Write a long and a short-term plan to develop the skills you need and
achieve those goals.

Work at least 50 hours a week following your plans.

Spend the first few hours of every day completing the
Important-but-Not-Urgent tasks on your to-do list.

Develop a network to help you. Do this via phone calls, e-mails, and
personal notes. Use that network whenever you can.

If and when you feel like giving up, persist.

(Please notice that most of these tasks involve actions, not
thoughts.)

Now it is time for Your Proclamation: What I will do to Reach My goals

I will design a “Goal Agreement” with myself for any goal, no matter
how small or large. A goal, no matter how small, will be treated with great respect because I know goals help make me a better person —the person I want to be.

My Goal Agreement will be written down and I will date the “Goal
Agreement” with the starting date and completion date for each goal.

My goal will be described in detail. I will paint a very clear picture in my mind of what I want, how, and when I will get it.

All of my Goal Agreements that have not been completed will be read in front of the mirror every day with a lot of enthusiasm. That way, my goals will be fresh in my mind and I will remember them easily.

When a goal is reached, I will sign the Goal Agreement. I will write
in large red letters on the front of the Goal Agreement “I have achieved this goal.” I will save all my Goal Agreements so I can see how I am doing and see all of my successes so far. I will become a better, stronger person from this string of successes, no matter how small some of them may be.

I will always remember, I CAN BE AS GREAT AS ANYONE. I will have a
plan.
Each of my goals, no matter how small, will become a part of that plan and will help me to turn my beautiful dreams into a wonderful and happy life.

I will make sure my goals go together. I won’t set goals for different things that won’t work together.

My goals will be something I want so much that I’ll be excited to do
the work it takes to get it done. I will do everything with enthusiasm.

Setting goals is very important to me. It’s not a joke or silly. I
know I can’t reach a place I want to go if I do not know how to get there. I know it’s the same way with life. These goals become my plan for my every success.

I choose to take the goals very seriously no matter how small each
goal is. I will reward myself and praise myself for starting the habit of planning my life.

If I want my life to change, I understand I have to change, or I will
stay just about the same as I am right now. So, I will set some goals that get me excited and move me and my life on the right track to happiness and success.

Now you are on your way to a fulfilling and exciting future!

Joe Kahler is recognized as an expert on helping young adults successfully transition from home to being “out on their own”. His latest work has recently been assembled in his book, Out On My Own… Now What? Tips and Insights So You Won’t Be Left Hanging in the “Real World”!

Joe received his undergraduate degree from Whittier College in Social Sciences and his Masters in Education from Arizona State University. His experience includes teaching, coaching, running numerous businesses, investing, selling insurance and real estate AND attending numerous personal, “hard knocks” training classes!

http://www.outonmyown.com

Recently, a lady came to see me and she had successfully stopped smoking with me and as she had enjoyed the success after 30 years of trying and failing to stop smoking, she was so happy that she felt capable of doing anything. She brought in what looked like a shopping list of things in her life that she wanted to change!

Just last week, I also got an email from someone that receives this ezine of mine, and they wanted all sorts of different things to happen in their life, and couldn’t decide what to focus on. So, this month, I thought I’d give you some pointers on helping yourself to know how to know what you want. Sounds a bit confusing, let me put that more simply; “How to know what you want.”

In the late 1990s, and during most of the time I have ever been emloyed, I was doing jobs that I found to be unsatisfactory or that I simply did not enjoy. WHen I did my first self-hypnosis course and learned some of the main aspects of NLP, I was amazed by the resources that already existed within me and as I learned more about modern ideas of personal development, two questions became more and more insightful to me. Those two questions were (and still are..)

“What do you want?” and “How will you know you’ve got it?”

As the questions came up more and more, I realised I had not applied them to my self as I should have done. What did I want? The more I asked myself that question, the less I knew the answer. However, I was sure of the fact that I didn’t want to keep doing what I was doing, and that the personal development fields I was discovering were to be involved with my future somehow.

So, as you stop and think with regards to your own situation in life, in whatever aspect of it, or of your life as a whole (not a hole!) have a good think and identify anything that is currently part of your life that you want to let go of in the future. Really think about that.

Almost everyone has examples of one sort or another. What about these ideas;

- A current job you don’t enjoy.
- Unwanted habits that cause you problems.
- Unable to spend time doing things that make you happy.
- A dissatisfying relationship.
- A belief about yourself that doesn’t serve you well.

Take a few moments and figure out what you no longer wish to have in your life. As per all my previous rantings, remember not to ficus on them too heavily, just know what they are for now.

FOllowing that first discovery of self-hypnosis and the things I learned within it, I progressed to studying hypnotherapy, NLP, Emotional Intelligence, I went on courses all over the world, read hundreds of books, listened to audio programmes on hundreds of topics, I trained in all sorts of other therapies too. Even after all that, I still was unsure about what I really wanted, but I did know what I didn’t want and I also knew what sort of direction I wanted to go in, and so I handed in my notice at work!

I knew that I wanted to have lots of time to spend furthering my studies, I knew that I wanted to have financial freedom and that I wanted to be doing work that fulfilled me and helped others, that I wanted to continue having lots of fun, excitement and adventure and of course that I wanted to be happy and wonderfully peaceful in myself. You have the benefit of someone else telling you how that happened to them so you do not have to embark on the same lengthy process, instead, you can follow the same steps in a far, far shorter period of time.

So, once you have identified the things that you would love to let go of or move away from in your life, the next step to take is to identify anything that is part of your life that you definitely want to continue in the future.

We all have good things in our lives; all of us. Some of us may not think so, but we do. Identify those aspects of your life you definitely choose to continue to have. They can include things like good health, intimate friendships, your home, feelings of happiness, a loving family, excitement and discovery or your income.

Then, once you have made sure of some (or all) of the wonderful things in your life you wish to continue, you can identify anything you would like to become part of your life in the future. Think about what you want in the future.

If you have sometimes had difficulty knowing what you wanted in the past, it can be good to choose big-scale things rather than small specifics. Think about what it is that you definitely want in your life in the future, no matter what? This may include a loving relationship, a better income, fulfilling work, intimate friendships, personal development, good quality health and fitness, a sense of real happiness and other wonderful feelings.

These are examples of the big scale things, next you can begin to become more specific about them however, be careful not to overspecify, by that I mean if you want to have fulfilling work, but you don’t know what you want to do, get specific about what has to happen for your work to be fulfilling, for example working with people, being outdoors, making a difference, able to learn something new everyday and so on – whatever ‘fulfilling’ means to you. Remember to think about what fulfilling really means to you and not just think about the examples that I have given here; that may not really be what you truly find to be fulfilling.

It is not necessary to be specific about what that work would necessarily be. Just set your target as ‘fulfilling work’, go through how you’ll know you’ve got it, then let your unconscious mind do it’s magic.

So, you can see and begin to get a handle on what it is that you really want and once you know that, you can begin to work towards how to get that. You can go through other articles of mine to find out how to do that more easily.

Adam Eason is a UK based consultant, speaker and best-selling author. Please visit his website for a vast range of resources from the fields of hypnosis, NLP, personal development and human potential and to receive your amazing, free, instantly downloadable hypnosis session for ultimate relaxation: www.adam-eason.com Thank you.

So, a New Year has snuck up on you again and boy, you have a lot of things to do, eh? Welcome to the club, we all do. But oh no, you have way more, right? You have to start working on your business more so you can finally leave that job you are bored to tears with. You have to start saving at least $400 a month for a little cushion in the bank-that $67.02 is looking kind of lonely in your savings. You have to start getting fit, because you gained some extra ‘holiday weight’. You have to start reading more, oh yeah can’t forget, spend time with family and friends…the list goes on. I’m tired just thinking about your list, you sure have a lot to do!

Sometimes we like to create these enormous tasks list of things we need to accomplish in our busy lives. Over ambitious or unrealistic at times? Maybe… But it’s a good start to at least have a list.

For all of you New Year’s Resolution makers out there…WATCH OUT NOW! Don’t make a promise you can’t keep! A recent survey finds that only 9% of Americans are serious about achieving their goals. 51% don’t have New Year’s Resolutions and of those who do, 79% don’t have a plan to achieve them.

What I’ve learned about goal setting is that it’s best to work with the end in mind. If you can visualize what your life will look like, feel like, sound like, and hey, even smell like on July 1st, 2006, then we’re getting somewhere. I smell lobster dripping in butter and I hear the waves of the ocean crashing against the rocks. Oh, I’m on vacation in St. Thomas, don’t be jealous. LOL And I have a strong team holding down the fort, my business will be running just fine without me on my one-month break. Where will you be?

If you can see how much money you have in your bank account, what kind of free time you’ll have, what people are in your life and in some cases…not in your life on July 1st 2006, then we are making major leaps and bounds. Are you with me? ~Nod politely.~ You have to see it first, then work on making it a reality.

Painting that vivid picture, making that dream transform into your current situation will get your taste buds wet. The mind is an amazing thing…you can pump yourself up by just closing your eyes and thinking. But the fun part is TAKING ACTION!

All the dreaming in the world will do you no good, because when you open your eyes, you’ll still be looking at your long list of things to do and plucking lint out of your pockets. You’ll just be a talker and not a doer. Talk is cheap, baby…I say it all the time! TAKE ACTION…
Sounds easy enough, but I’ve been working with entrepreneurs for 10 years now and I’ve seen many businesses come and go…you have to have staying power, you have to really work on your dream. “Get cracking!” is what I always say. They don’t call me Sergeant Simi for nothin’. I work with various clients and help hold them accountable. I’ll brainstorm with them, strategize for them, and help them plan out their goals and stay focused.

I have a coach and advisors that hold ME accountable, they know what’s on my to do list and check in with me to make sure I DO IT! Who’s going to be on your team? Think about it and ask for help. Support is an integral part of the process In achieving goals.

Enough of my chatter…let’s get STARTED RIGHT NOW. Put your helmets on and get ready to jump in my Time Machine into the future!

Get a notepad and spend at least a good 30 minutes on the following exercises. Let your creativity flow and don’t be afraid to dream big!

JULY 2005
<--------------------TO------------------->
JULY 2006

1. “It’s July 1st, 2006 and I’ve accomplished even more than I could imagine, personally and professional. Can you believe that I….”
Finish this sentence with a short story of a few paragraphs. Write it as if it already happened. This will be your inspiration when you feel like giving up.

2. Now that you’ve painted the picture that took you into the future, close your eyes and think about how happy you’ll feel, how accomplished you will be. Remember how you got to where you are. It didn’t happen over-night. Think about some of the goals that you need to accomplish before you get to FEB 1ST 2006.

GOALS YOU’LL ACCOMPLISH:

1 YEAR:

6 MONTHS:

3 MONTHS:

1 MONTH:

1 WEEK:

IN 24 HOURS of reading this:

What can you do by tomorrow to take that first baby step into realizing your goal?
Baby steps are quite amazing, even if it’s something that takes you 15 minutes to do, make the cause and you’ll gain the effect that you want!

Let’s Review:

1. Begin with the end in mind. Make the dream your reality. Positive visualization is a powerful tool…writing it down just adds the icing to the cake.

2. Get an accountability partner. A friend, a spouse, a business coach or consultant, etc…This person should check in with you each day or week to give you support. They should know all of your goals and you can possibly help them as well.

3. Break it into Baby Steps!

List your goals by working backwards…

Year
6 months
3 months
1 month
1 week
24 hour turnaround.

Do you know where you will be July 1st, 2006? Take ACTION to make it happen!

Good luck with taking ACTION and let me know if this exercise helped you in any way.

Simone Kelly is CEO and founder of Gots To Have It, Marketing, a firm that specializes in marketing and empowering entrepreneurs with a series of workshops and networking events. Please view her company web sites here: http://www.gotstohaveit.com and http://www.giventakenetwork.org

Web based bingo has now become increasingly popular in the British Isles. As a consequence of the ban on smoking in pubs, restaurants and other public places, countless time-honoured bingo meeting places have gone into liquidation — this has expectably brought about countless firms pushing world wide web bingo as by way of an alternative.

Superstar affirmation as reported from Jordan and Sharon Osbourne and others have facilitated raising the public image of www bingo — to the tune of close to three million enthusiasts at present enjoying a game or two on their computers.

Today there are a few world wide web bingo web pages, one and all propounding their punters truly fabulous cash bonanzas and a passel of other high-class prizes such as the latest cars, sports event tickets and luxury holidays.

Another splendid thing about world wide web bingo is that all people can play it 24/7 anywhere there’s an internet connection. Games kicking off continuously you can easily position bingo to synch it with run of the mill everyday life.

One would have believed that the group quality of bingo gaming would suffer thanks to this decline of the time-honoured bingo meeting places — but bingo buffs in Britain have proven the skeptical alarmists wrong! Ever more are hitting the facilities presented by a whole slew of world wide web bingo firms.

Here, we can meet numerous new friends, benefit from high class competitions and join up with other bingo communities.

Likewise, independent research reports have supported claims that one is significantly more likely to corner a million dollars wagering web bingo in comparison to alternate forms of betting such as the raffles and sportsbook gambling.

Should you become a mite jaded with bingo, a legion of world wide web bingo web pages provide for a range of side games. These may be anything from numbers games right through to caption games and multiple choice quizzes.

With so many opportunities to chose from it may well be a mite bewildering to establish which on line bingo enterprise offers the right format. More to the point, you’ll find it should pay to have a shot at some high level research and discover who is offering the most engaging special deals. Quite a number of world wide web bingo web pages will let anyone some games of free online bingo or up players’ cash deposits at a 1:1 rate.

If some of your neighbourhood group members have already selected any given world wide web bingo web setup, do consider joining them because networking may considerably add to the enjoyment.

I Love to Dab

Past life regression, also known as PLR, will unearth the reason why we have issues with individuals in our current lifetime or why we are worried of certain situations. You have fellow workers around you in your current lifetime that you have extraordinarily met with before, just imagine being competent to uncover what happened and what your relationship was to them at that time and clear blocks that plague you in your current time and even uncover talents and bring them into your current lifetime. Past life regression, aka PLR, is fantastic.

When you are having a past life regression, aka PLR, session you will regress to the lifetime you should most need to learn about in your present lifetime. This is great and may describe an amazing deal about your current lifetime and help you to move forward with a greater understanding of yourself, your life and the boyfriends around you.

You should also identify why you are the person that you are, now that is spectacular. If you appreciate nature maybe you were once working as a farmer, if you love to travel maybe you were a traveller. Instead of ignoring our strengths we should acknowledge them.

Each respective experience is super and unique. Others have unearthed places they had lived in before and knew where to go. Visit AnneJirsch.com for Regression Therapy.

For many people a consolidation loan is the first strategy they seek when trying to get out of debt.

Debt consolidation loans can be very attractive, since they typically offer lower monthly payments. In addition, most people find that making one monthly payment can give them a better sense of where their money is going, and how much they have left to pay off.

There are a number of ways to consolidate bills. Some methods, such as switching to cheaper credit cards, are easy. Other options are more complicated and require tough trade-offs. For example, if you’re a homeowner, should a homeowner take a home equity loan to pay off credit card debts? How about borrowing against your retirement plan at work? Or should you tap the cash value of an insurance policy?

Before you rush out to obtain a debt consolidation loan or a home equity loan to lower your monthly payments, ask yourself three basic questions:

1. Is getting out of debt the real reason I want a consolidation loan? If you want to lower your monthly payments only to put more cash in your pocket, and you are unwilling to make any changes in your spending habits, you probably are not a good candidate for another loan.

2. If I obtain a new loan, am I willing to stop buying on credit? Again, the goal of a consolidation loan should be to help you reduce your overall debt level. If you are going to use another loan as a cash “windfall” to begin charging new purchases, forget it.

3. Will the new loan reduce my overall debt load? Make sure you carefully consider the cost of a consolidation loan. If the interest rate on the new loan is equal to or higher than the average rate on your current loans, if there are expensive fees or closing costs attached to the loan, or if the monthly payments on the new loan are so low that they stretch the length of your debt by several years, look elsewhere for help.

If you still think you are a good candidate for a consolidation loan, here are some options for you to consider:

Use Plastic

Switching from a high-rate credit card to a low-rate card can easily save the average person at least $100 or more a year in interest, and even more over the life of the loan. If you haven’t already tried to negotiate a lower rate on your credit cards or consolidated your debt onto lower-rate cards, what are you waiting for?

Once you have consolidated to a few cards and carry a reasonable amount of credit card debt, you are likely to be approved for the loans you need.

When you finish employment you don’t have to extract your retirement fund straight away. Instead, you could well come to a decision to put-off obtaining an annuity until the age of seventy-five years old and if you do so you may possibly find you get a more worthwhile deal. It is known as income drawdown.

When you are somewhere aged between fifty years old & 75 you are automatically permitted to put off the purchase of your retirement allowance from your insurance corporation. Instead, you are able to pull out up to one hundred and twenty percent of the pension fund that could have been acquired using Government Actuary rates, leaving the remaining capital protected for when you call for it. On your side, all you should do is to make certain that you acquire an annuity by the point you get to seventy five.

Importantly, what would take place if you wished to take the income drawdown opportunity, & then departed this world? If this did happen then your surviving wife/husband or those legally responsible would have 3 decisions: either to accept a lump amount, after tax at 35%, or then again maintain with income removal, or buying an annuity pension with the money. Your present companion has until they reach sixty years old to put off the ownership of a pension annuity, but no financial benefits are allowed to be given in the meantime.

Why opt for income draw down? Well largely because it could result in you earning a more prosperous wage from your existing pension by doing so. Secondly, you can choose specifically when you want to procured the annuity, so if you leave work at a moment in time when the annuity rates are considerable low, waiting could be a wiser option. If the residual resources rise as supposed to, then together with the fact that annuity rates increase with age, you might ultimately be able to get a superior pension than you probably would have secured at the start.

Moreover, it also means that when you pass away your other half or those legally responsible are secured monetarily, as they are properly entitled to the outstanding funds, as pointed out previously.

Like all investments, there are risks as a consequence though. If asset performance on the remaining funds is bad, then the level of retirement salary provided can go down. And it is important to consider that there is no promise that the pension purchased will ultimately be higher than the figure that could have been got at the beginning. Receive Independent Financial Advise at firstplacefinancial.co.uk.

On-page optimization is often forgotten these days, as we focus more and more of our time in getting inbound links with targeted anchor text.

On-page optimization, however, is something you can do quickly to give yourself an extra boost in the SER PS.

These tips will help you to optimize your web pages to make the most out of your i nbound links.

One Page – One Target

Each page should be optimized for only one search term. If you are targeting two search terms, make pages for each term.

If your search term has a synonym, make separate pages for each synonym. For example, if you are targeting “drywall” and “sheetrock”, make separate pages to target each term.

One Target – Two Pages

The preceding tip only tells half of the story. You don’t actually want to be #1 in the SERPS for each of your search terms — you want to be #1 and #2.

Google and some other search engines will display two listings from a web site together if both are relevant to the users search. Therefore, for each of your important keywords, you want to build two web pages which are both optimized for that search.

The URL

Search engines tend to rank pages well when the URL contains the search term.

If your page is about drywall, call your page drywall.html, not page-1.html.

If your content management system (CMS) uses autogenerated URL’s, use 301 Redirects to turn those URL’s into highly optimized URL’s.

Use Hyphens, not Underscores

Google and most other search engines treat hyphens as spaces, but do not treat underscores as spaces.

If your URL is clint-eastwood.html, your page will rank well if someone searches for “clint eastwood”.

If your URL is clint_eastwood.html, your page will rank well if someone searches for “clint_eastwood”.

Which do you think is searched for more often, “clint eastwood” or “clint_eastwood”?

Optimize the Page Title

The page title should contain the keywords for which you are optimizing, and little or nothing else.

Many sites prepend the site name to every page title, like this:

A more optimized title would simply look like this:

Leave the company name for the title of the main page of your web site.

Optimize the Description Tag

Not many search engines utilize the description tag anymore, but it’s best to set it properly just in case.

Optimize the Keywords Tag

Even fewer search engines utilize the keywords tag, but it’s best to set it properly just in case.

Use Headings

Use the

,

, and

heading tags to define your important content sections, and put your keywords at least once in each heading style.

Use CSS to set the fonts and sizes of the h-tags to something pleasing to your visitors.

Add a Linked Image with ALT Text

Use an image of your page with a filename which contains your chosen keywords, such as drywall-delivery.jpg.

The ALT text for this image should include the keywords for which you are optimizing.

Google is sneaky, in that it only counts the ALT text on linked images. We’re sneakier, so we link the image to the page upon which it is displayed.

Validate the HTML

Use the W3C HTML validator to validate the HTML of your page.

Very few HTML errors will cause a web page not to rank well in the SERPS, but you don’t want your page to be that page.

In addition, validating the HTML will help to ensure that your page will look reasonably well in the wide variety of web browsers used on the Internet.

Keep Your Body Text Readable

Use your keywords in the body text, but keep your body text readable.

Don’t drywall stuff drywall your drywall keywords drywall into your drywall text until it is unreadable by humans.

Make Reasonably Sized Pages

The search engines seem to prefer pages which have at least 500 words of text. Give your visitors something to read!

Summary

If you follow these simple tips, you will get better SERPS with fewer inbound links.

On-page search engine optimization is the first step towards achieving good search engine rankings.