Devler Ligi'nde Bol Kazançlar

Turkcell Süper Lig ile birlikte bir çok Avrupa ülkesinde de liglerin
tamamlanmasıyla Avrupa Şampiyonlar Ligi'nde Türkiye'yi temsil edecek
Beşiktaş ve Sivasspor'un muhtemel rakipleri belli oldu.
Avrupa Şampiyonlar Ligi'nde 2009-2010 sezonundan itibaren ilk
kez uygulanacak statü gereği, UEFA ülkeler sıralamasında ilk 12'de yer
alan ülkelerin şampiyonları gruplara direkt katılıyor. Türkiye,
sıralamada 11. sırada bulunduğu için şampiyon Beşiktaş ön eleme
oynamadan direkt gruplara katılma hakkı kazandı.
Statüye göre, kupanın son sahibi Barcelona, aynı zamanda
ülkesinde de şampiyonluğu elde ettiğinden, Şampiyonlar Ligi
şampiyonuna ayrılan gruplara direkt katılma hakkını, sıralamada 13.
sırada bulunan Belçika şampiyonu Standard Liege kullanacak.
Bu durumda gruplara direkt katılacak 22 takım şunlar olacak:
Manchester United, Liverpool, Chelsea (İngiltere), Barcelona,
Real Madrid, Sevilla (İspanya), Inter, Milan, Juventus (İtalya),
Bordeaux, Olympique Marsilya (Fransa), Wolfsburg, Bayern Münih
(Almanya), Rubin Kazan, CSKA Moskova (Rusya), Unirea (Romanya), Porto
(Portekiz), AZ Alkmar (Hollanda), Glasgow Rangers (İskoçya), Beşiktaş
(Türkiye), Dinamo Kiev (Ukrayna), Standard Liege (Belçika).

BEŞİKTAŞ 3. TORBADA

Avrupa Şampiyonlar Ligi'ne direkt katılacak takımlar arasında
UEFA takımlar sıralamasında 18. bulunan Beşiktaş, grup kuralarına 3.
torbadan katılacak.
Yeni statüye göre, sıralamada Beşiktaş'ın üzerinde bulunan ve
ön eleme oynayacak takımlardan sadece 5'i gruplara katılma hakkı elde
edeceğinden, siyah beyazlılar en kötü ihtimalle 22. sıraya
gerileyecek. Bu durumda dahi Kara Kartal, grup kuralarına 3. torbadan
girme hakkını kazanacak.

SİVASSPOR'UN İŞİ ZOR

Statü gereği gruplara katılacak diğer 10 takım ise 2 ayrı
kategoride yapılacak maçlarla belli olacak.
Sıralamada 14. ile 53. durumda bulunan ülkelerin
şampiyonlarının katılacağı ilk kategoride, yapılacak eleme maçlarından
sonra 5 takım gruplara katılma hakkı elde edecek.
Turkcell Süper Lig'in ikincisi Sivasspor'un da yer aldığı
diğer kategori ise 2 turdan oluşacak. İlk turda Sivasspor, UEFA
sıralamasında 6. sırada bulunan Rusya'nın üçüncüsü ile sıralamada
7'den 15'e kadar olan ülkelerin ikincilerinden biri ile eşleşecek.
Seri başı uygulamasının olacağı bu turda Sivasspor'un
torbasında Dinamo Moskova (Rusya), Dinoma Bükreş (Romanya), Twente
(Hollanda) ve Sparta Prag yer alacak.
Sivasspor'un muhtemel rakibi olacak seri başı takımlar ise
Shakthar Doneskt (Ukrayna), Sporting Lizbon (Portekiz), Celtic
(İskoçya) ve Anderlecht (Belçika) olacak.
Yunanistan'da lig statüsü gereği Şampiyonlar Ligi'nde ön
eleme oynayacak 2. takım PAOK, Panathinaikos, AEK Atina ve Larrisa'nın
oynayacağı play-off sonucu belli olacak.
Yunanistan'da yapılacak play off maçları sonucunda
Şampiyonlar Ligi ön elemelerine katılma hakkını Panathinaikos
kazanırsa, Anderlecht 2. torbaya düşecek ve seri başı Yunan ekibi
olacak. Diğer takımlar ön elemeye katılırsa Anderlecht'in seri başı
takımlar arasındaki yeri değişmeyecek.

SIRADA DEVLER VAR

Sivasspor, bu turu geçerse bu kez UEFA sıralamasındaki ilk
5'te yer alan ülkelerin takımları ile eşleşecek. İlk turu geçmesi
halinde Sivasspor'un 2. turdaki muhtemel rakipleri de şunlar olacak:
Arsenal (İngiltere), Atletico Madrid (İspanya), Fiorentina
(İtalya), Olympique Lyon (Fransa), Stuttgart (Almanya).
Sivasspor, bu turu da geçme başarısı gösterirse, grup
kuralarına 4. torbadan katılacak.

Online Para Kazan

Otur, Rahatla, ve Fikirlerin için öden!! Online Şirketler katıldığın her online araştırma için sana $5 ile $125 ödemeye hazır! Online tartışma  gruplarına katıl, saat başı $50 ile $150 kazan! Yeni ürünleri dene, ürünler sende kalsın, üstüne para kazan! Yeni sinema filimlerin tanıtım filimlerini izle, saat başı $4 ile $25 kazan! İnternet dışındaki kamuoyu araştırmalarına katıl, saat başı $5 ile $95 kazan!

Evde çalışıp sitelerden para kazanmak artık çok kolay, sen de internetten online para ve ödül kazan, işte yolları. Araştırmalara katıl, email oku netten ek gelir kazan.

Tüm bunlara ulaşabilmek için ilk olarak aşağıdaki sitelere kolaylıkla ve de ücretsiz olarak üye olabilirsiniz:

• Global Test Market Ödül Türü: Para,  Bölge: Uluslararası, Türü: Online araştırma.

• American Consumer Opinion (ACOP) Ödül Türü: Para & Hediye, Bölge: Uluslararası, Türü: Online araştırma.

• iPoints Ödül Türü: Para & Hediye, Bölge: Uluslararası, Türü: Online araştırma, Online alışveriş.

• Survey Savvy Ödül Türü: Para,  Bölge: Uluslararası, Türü: Online araştırma.

• Ödül Türü: Aşağıda oku, Bölge: Uluslararası, Türü: Online alışveriş.

• Valued Opinions Ödül Türü: Para & Hediye,  Bölge: Uluslararası, Türü: Online araştırma.

• Your Say Ödül Türü: Para & Hediye, Bölge: Uluslararası, Türü: Online araştırma, Telefon araştırması.

• Permission Research Ödül Türü: Para & Hediye, Bölge: Uluslararası, Türü: Online araştırma. 

İnternetten para kazanmanın diğer bir yolu da online yapılan açık arttırmalara katılarak istediğiniz ürünleri çok ucuz fiyata alma şansınızdır. Açık arttırma sitelerinin en iyisi (sunduğu ürün çeşitleri, üye olmadaki kolaylığı, satın aldığınız ürünlere verdiği garanti, ödemedeki güvenceleri ve de ürünü evinize teslim etme hizmetiyle) 'dir. Cep telefonundan, bilgisayar oyunların, saatlerden marka giyisilere ve daha aklınıza gelebilecek her türlü ürüne inanılmaz fiyatlarda ulaşmak istiyorsanız, hemen şimdi  'a üye olunuz. Üye olmak tamamen bedavadır.

Gerçekten bir internet işine sahip olmak istiyorsanız, Legit Online Jobs sitesini mutlaka ziyaret ediniz. Buraya üye olabilmek için bir defaya mahsus kayıt ücreti ödemeniz gerekmektedir. Ancak bunun çok daha fazlasını çok kısa bir zamanda kazanacaksınız. İnternetten para kazanmakta ciddi iseniz bu yatırımı yapın.

Taksi ve Minibüsler Servet Değerinde

Taksi ve Minibüsler Servet Değerinde

Minibüs haberleri
http://www.minibushaber.blogspot.com

Melbourne Taxi Prices
http://www.melbournetaxi.blogspot.com

Sydney Taxi Prices
http://www.sydneytaxiprices.blogspot.com

Money Card Nedir?

Hem bonus hem Money kazandıran, market alışverişlerinizi

rahatlatan ve tüm Bonus üye işyerlerinde Bonus ayrıcalıklarını
yaşatan yepyeni bir kredi kartı.

Migros, Tansaş, Şok, 5M Migros ve Macrocenter mağazalarında
diğer kredi kartlarından 4 kat fazla kazandıran, size özel fırsatlar
sunan, bol bol Money kazanmanızı sağlayan, ürüne özel anında
indirim veren Türkiye'nin ilk kredi kartı.
Money nasıl 4 kat daha fazla kazandırıyor?

   * Money Card ile Migros, Tansaş, Şok, 5M Migros ve Macrocenter
     mağazalarında alışveriş yaptıkça Money kazanırsınız.
   * Migros, Tansaş, Şok, 5M Migros ve Macrocenter mağazalarından
     Money Card ile aldığınız ürünlerde anında indirimlerden faydalanırsınız.
   * Üstelik Money Card aynı zamanda bir Bonus kredi kartıdır. Bonus
     üye işyerlerinde Bonus'un tüm kampanyalarından, taksitli alışveriş
     ve ekstra bonus imkanlarından faydalanabilirsiniz, bütün Bonus
     ayrıcalıklarına Money Card ile de sahip olabilirsiniz.
   * Money Card ile sürpriz bedava alışveriş kazanabilirsiniz. Migros,
     Tansaş, Şok, 5M Migros ve Macrocenter mağazalarından
     yapacağınız alışverişlerinizde günün şanslı kişilerinden biri
     sizseniz Money Card alışverişinizi size hediye eder, siz de
     bedava alışverişin keyfini yaşarsınız.

http://www.migrosmoney.blogspot.com

Taxi License

Q: What is a taxi licence?
What is a taxi licence?

A: To ensure that the communities served by taxis receive quality and innovative taxi services at a reasonable cost, all state government regulates the taxi industry in their own state. Governments specified such items as areas of operation, the numbers of taxis in those areas, maximum fares, types of vehicle, and standards of service. A Taxi Service Licence (taxi licence) is a licence issued by department of infrastructure that allows the holder to provide a taxi service in a defined area. The holder of the licence must hold Operator Accreditation (also issued by DPI) and be affiliated with a taxi network company holding a Taxi Service Accreditation or licence.
Top Next



Q: What is the taxi licence in other words?
What is the taxi licence in other words?


A: You need a taxi licence to run a taxi and these licences can be transferred and hold a capital value. Although the licence has a term, renewal is automatic and the licence is effectively perpetual. Someone other than the owner can run the taxi that operates on a licence, which makes a taxi licence a passive or semi-passive investment opportunity. Though there are many conditions to holding a taxi licence, AMB Taxi Brokers

AMB Australia offers leading skills in Taxi Management and with Taxi Operating, as well as assured support with aid for financing and consulting for all your Taxi needs. The experienced Taxi drivers on staff can understand and handle all your concerns and needs while as remaining neutral, to professionally manage Taxi licenses for investors in all states.

Q: How does a taxi licence earn an income (without me driving a taxi)?
How does a taxi licence earn an income (without me driving a taxi)?


A: There are two ways to generate an income from a taxi licence ? leasing and operating (management). Either method is currently returning between 5.5% up to 8.5% per annum before tax, all depend on of couse which state. This is assessing only income, and does not assess any capital gain that may be made. Taxi Licence Leasing Leasing a taxi licence is a passive investment. The licence owner leases their licence to a Taxi Fleet Company or individual operator who provides and owns the taxi cab? the licence owner has no involvement in the running of the taxi cab operation. The current Lease price for a Taxi Licence for a regular cab in Melbourne $2,600.00, in Sydney $2,400, in Adelaide 2,000, in Brisbane $2,000, in Perth $1,538 pcm plus GST. You can always call our office on 1300 262 262 for more information.

Return on Taxi License Investment

Anticipated return on a licence

Anywhere not less than 5%, but some states goes up to 9%

For example on February 09 market conditions

Melboune Taxi Licence would return at around 8.32%
Sydney Taxi Licence would return at around 7.44%
Perth Taxi Licence would return at around 8.11%
Adelaide Taxi Licence would return at around 7.12%
Brisbane Taxi Licence would return at around 6.43%

Australia Taxi License Prices

Taxi licences prices are as follows.
In Melbourne $410,000
In Sydney $385,000 + $12,815 (Stamp Duty)
In Perth $235,000 + $12,150 (Stamp Duty&Transfer fee)

Melbourne Taxi License

For the Transfer of a licence, the following fees need to be taken into account;

BSX Transfer Fees
$362.45 (including GST) to the buyer and $362.45 (including GST) to the seller.

Brokers Fees
Approved BSX Taxi Brokers are entitled to charge a fee for the service
provided. To determine the amount of the fee, clients will need to
contact each Broker using the contact details provided on this site.

Statutory Fees
These are fees charged by the VTD as part of the transaction and at
present comprise of the following:
· Taxi-cab Licence Transfer Application Fee - $150 (including GST)

GST
The transfer of a licence sometimes attracts GST. All licence prices
shown on the BSX Taxi Market are shown exclusive of GST. BSX
recommends that you seek advice from a Tax Specialist for further
information.

For the Assignment of a licence, the following fees need to be taken
into account

BSX Assignment Fees
$121.00 (including GST) to the buyer and $121.00 (including GST) to the seller.

Brokers Fees
Approved BSX Taxi Brokers are entitled to charge a fee for the service
provided. To determine the amount of the fee, clients will need to
contact each Broker using the contact details provided on this site.

Statutory Fees
These are fees charged by the VTD as part of the transaction and at
present comprise of the following:
· Taxi-cab Licence Assignment Application Fee - $89 (including GST)

Management Fees
These are fees charged to manage the assignment (lease) of a Taxi Licence.

GST
The assignment of a licence sometimes attracts GST. All licence prices
shown on the BSX Taxi Market are shown exclusive of GST. BSX
recommends that you seek advice from a Tax Specialist for further
information.

Where is the Gold Bull Market Heading?

Commodities / Gold & Silver 2009 Apr 24, 2009 - 12:22 PM By: Adrian_Ash

When Gold Ruled the Earth, Part II - Ten years after gold's last bear market ended, just how much further might the metal have left to go from here...?

WATCHING SOMEBODY ELSE slip on a banana-skin always raises a laugh. Not least in the divine comedy of money and finance.

"It took three generations," wrote a professional metals consultant in Feb. 2009, "but we now seem to have reached the point in the world's history where, for the first time, gold is valued only for jewelry use and speculation.

"The metal today has rapidly diminishing monetary use..."

Whoops! Within a matter of weeks, two of the world's biggest monetary powers – Russia and China – publicly said they wanted to discuss including gold in a new global "basket" to replace the Dollar as reserve No.1...
 
"What of the idea," The Economist then asked this week, "that China has [already] diversified into other currencies? The statistics are hard to make sense of [because] the State Administration of Foreign Exchange (SAFE), which manages the country's reserves, does not disclose such details."

Hee-Hee! The very next morning, the head of SAFE, Hu Xiaolian, told the world that her country's gold hoard has risen by 75% since 2003 to 1,054 tonnes...

"Just as it was a mistake to assume that the good times would keep on going in the 1990s," Christopher Davis now writes for MorningStar, "it's equally foolhardy to expect lackluster stock market returns to continue forever.

"In fact, the stock market has often gone on to post outsized gains after long periods of drought. [So] the moral of the past 10 years isn't that you should give up on stocks. To the contrary, it's probably a better time to invest in stocks than anytime in years..."

Well, at least he's trying. Because the funniest pratfall a forecaster can make is mistaking where she or he skips today for the path things will continue to take forever and ever, amen.

"Gold has a future, of course, but mainly as jewelry," declared finance historian Niall Ferguson 10 years ago, at the very close of the 20th century. Falling in price for almost two decades, "this ancient form of wealth is less an international currency and stable store of value than ever before," he went on.

"It's just another commodity that swings to the global rhythm of supply and demand."

Plenty of other historians and analysts – plus Europe's big central banks – queued up to throw dirt on gold's coffin, too. The Financial Times, Economist and BusinessWeek all announced the "death of gold" as the Nineties neared their end. Gold-mining directors leased gold and sold it, locking in then-current prices for fear of raising still lower prices in future.

You'll therefore forgive our caution today. Because after what then happened to gold – rising four times over and more against each of the world's major monies – making a grand call at the end of Gold's Decade would be a true buffoon's gambit. Tripping over a forecast only raises a laugh when it happens to somebody else.

So first, let's re-tie our laces and scan the pavement ahead for slapstick bananas.

"We calculate the market cap of all above ground gold, including central bank reserves, equals about 1.4% of global financial assets," reported John Hathaway of Tocqueville Asset Management a little over four years ago.

"In 1934 and 1982, when investor stress reached extreme readings, that percentage was between 20% to 25%."

Fast forward to the financial crisis/meltdown/deflation/depression of early 2009, and by our maths here at BullionVault, investor stress still remains low compared with those historic extremes.

That's not to say Gold Prices MUST rise, of course. Just that they haven't risen, in terms of the world's wealth, anything like previous bull runs in the value of gold.

World Financial Assets

• $4 trillion in notes and coins (global M0, Mike Hewitt at Dollar Daze)
• $25 trillion in bank deposits (mid-2008, eFinancial News)
• $16 trillion in short-term notes (all issuers, Bank of International Settlement)
• $60 trillion in domestic debt securities (again, both corporate & public, BIS)
• $23 trillion of international bonds (ditto)
• $33 trillion in stocks (World Federation of Exchanges)

Yes, we're ignoring unlisted business, because the numbers just can't be found. And yes, we also ignore both derivatives and real estate, because the one is unfunded (and simply too big to settle) while the other only counts as "investment" when you gear up using another guy's money.

But against this under-played $161 trillion total for the world's paper wealth – spread as it is across cash, banks, bonds and stocks – the value of gold compares at some $4.4 trillion, or scarcely 2.7% of the total. And that figure, please note, includes all gold ever mined in history, rather than simply the investment bars, monetary coins and tradable jewelry beloved of south-Asian consumers.

Whether as teeth, bracelets or micro-chips, best estimates (courtesy of our friends at GFMS via the World Gold Council) reckon just 2% of the 161,000 tonnes un-earthed over the last 5,000 years has been lost for good, slipping down the back of the sofa or buried beyond the reach of metal-detectors. Yet it's the total supply we use here, meaning the number above once again over-states gold as a proportion of investable wealth – a risible 2.7%.

Which again makes gold's still-tiny size all the more note-worthy when you consider what's supposed to have happened to the alternative choices for storing your wealth.

"At the low of 1974," as Mark Hulbert of the eponymous Financial Newsletter noted on CNBC this week, "average P/Es were around five or six. This time they were down more in the low 'teens..."

Indeed, the apparent "bear market" low of early 2009 saw US stocks trading for 13 times earnings – only a little below the 130-year average of sixteen.

"So you know," Hulbert went on, "it's hard to say that market-wide we were at values at all reflective of a major market bottom like in December '74."

"And dividend yields were at what, seven per cent?" chipped in anchor Joe Kernen. "Which they would've been now, if everyone hadn't cut their dividend!"

"That's right," confirmed Hulbert, "and it's interesting that at the bottom of a terrible recession [in late '74] you still had high dividend yields, whereas now we're not anywhere near those kinds of yields.

Outside the boardrooms and on the trading desks, meantime, "Where was the universal excess bearishness that typically marks the end of major bear markets?" asked Albert Edwards of Société Générale pointed out when global stock-markets hit their new low point in March.

"Before I can go overweight equities, I need not just cheap valuations, I need to see despair and revulsion," Edwards said. Which hardly squares with today being "the best time in years" to buy stocks given the chorus of bulls calling the bottom last month.

Still wary of stocks, the world could yet go further over-weight bonds, of course. Which would certainly make governments happy, seeing how many bonds they're going to issue this year in a bid to finance their historic, structural and unavoidable short-falls. Or maybe corporate bonds appeal, what with interest rates already at all-time record lows amid the worst recession since WWII, but without (as yet) a significant jump in defaults. They're also getting no rarer, but the value has already tipped lower. Worldwide – and in US-Dollar terms – the outstanding stock of corporate bonds shrank by 14% in 2008. Outstanding government debt, in contrast, swelled by one tenth (again, in terms of US Dollars) as new issuance of public-sector debt rose by a fifth compared with 2007.

Or maybe you'd rather choose cash...now paying less than even official inflation per month in pretty much every major economy. Again, you'll need to ignore that pesky risk of default (this time by banks) as well as the fresh flood of printing. Or perhaps you'd rather buy into private equity and small, local businesses...what with taxation set to surge (and keep surging) to try and pay for the worldwide stimulus in due course, while private borrowers keep competing with that flood of AAA-rated debt pumped out by the state.

None of this makes gold a buy in itself, of course. But Buying Gold still makes an unpopular choice against the broad mass of alternative stores of value. Which might just prove close to a tip if history's your guide.

Compared to the Great Depression or inflationary wipe-out of three decades ago, the world's wealth remains very under-invested.

By Adrian Ash
BullionVault.com

Earn Money with a Real Job Online - Rent a Coder

Earn cash with your high tech skills on 2,669 currently open bid requests. Then subscribe to our newsletter and receive daily bid requests from our 117,799 registered buyers.

http://www.rentacoder.com

  "For startups with limited resources who need to get to market quickly, the tools are all there -- if they have the management skills and the gusto to try them out...Ian Ippolito, runs the online software developer contracting site Rent A Coder. com, [which] uses an escrow system and will jump in when arbitration is needed. "One in 10 projects have a dispute and we offer arbitrations. We don't charge for that," he says, adding that the site facilitates almost 8,000 contracts a month. 'We step in if necessary, test the software code that was developed and look at the project specifications.'"

For the second year in a row, Rent a Coder was honored with inclusion in the INC 5000: a prestigious list of the fastest growing private companies

Rent a Coder...operates a web marketplace where computer programming services can be bought and sold. 7,300 projects, which include website developments and business process automation, are completed every month through the site.  It often makes economic sense to outsource. In some cases, buyers might pay a foreign programmer only 30% of what they would pay a U.S.-based programmer. Plus, they can choose from a pool of 200,000 professionals based on bids and blind ratings.

   "Within the last five years, more small businesses, from travel agencies to boutique motorcycle manufacturers, are taking advantage of inexpensive labor outside the United States. Websites like...Rent A Coder...have made it easier for small businesses to find eager service providers worldwide. [....] Rock Blanco, chief technology officer at Atlas Travel International, a 130-employee travel agency in Milford, Massachusetts, used Rent A Coder last year to find computer programmers to write software to synthesize and analyze customer data. He ended up accepting a bid from a Russian outfit and paid them in three installments as they reached benchmarks in the project. 'I was blown away by the job they did,' he said. The cost was about a third of what it would have been if done locally. 'They also delivered two weeks early.' This was largely due to the time difference, which allowed him and his Russian coders to jointly work on the project 24 hours a day. […] Blanco was so impressed that he recently hired the Russian programmers to do another job."

Deflation Continues, Will the United States Become Another Japan?

Economics / Deflation Apr 22, 2009 - 06:54 AM

By: Money_and_Markets

Nilus Mattive writes: Clearly, deflation remains the biggest near-term threat to the U.S. economy.At the consumer level, prices pulled back 0.1 percent during the month of March. That was mainly driven by declining energy prices, and in spite of the biggest jump in tobacco prices in at least 10 years. (The government initiated a large tax hike on smokes during April.)

For the 12-month period ending in March, prices for consumer goods dropped 0.4 percent. That's the first 12-month bout of deflation in 44 years!

And the March data on producer prices showed a 1.2 percent drop, too.

These are shocking reminders that despite the government's best efforts, and despite the stock market's substantial rally, the U.S. is still struggling with a rather dangerous deflationary trend.

And perhaps that's why …

Many Continue Asking: Will We "Become Like Japan?"

During a recent interview, that question came up yet again.

The fear is that people become so shell-shocked that our country will suffer a protracted bout of deflation and a stuck-in-the-mud economy.

To be sure, there are parallels between our current situation and what happened in Japan back in the 1990s.

We've had a real estate bust. Interest rates are practically at zero. Stocks have cratered. The list of similarities goes on and on!

Yet I do not see the same end result here in the United States.

We are far bigger, and more diversified. Plus, I still feel very strong pockets of unbridled optimism in this country.

Even now, there are plenty of people finding novel new ways to get rich!

For example, a few months ago I read a story about a guy in Las Vegas who started a business that profits from the foreclosure crisis.

No, he doesn't buy distressed property. He goes around spray-painting lawns green!

Sounds crazy, right? Well, banks and other real estate sellers are using this guy's service as a cheap way to make their listings look more presentable to prospective buyers. And he's making a whole lot of green in the process.

Making money by spray-painting foreclosed homes' lawns? Now that's American ingenuity!

I couldn't think of a better symbol of our country's resiliency and resourcefulness!

I suppose I'm in the minority, but I continue to believe that our nation is still made up of creative, entrepreneurial people who are going to continue innovating, borrowing, and plugging along!

The United States remains the economic engine of the world. No country is better at dreaming, designing, and implementing. I am reminded of that every time I see a product package that says "Designed in the U.S.; Manufactured in China."

What About Consumers? Haven't They Been Scared Away from Spending?

To some degree, yes.

The March retail sales numbers showed a decline of 1.1 percent. And even if you exclude auto sales, results were still off by 0.9 percent. But even now I also see plenty of people still out spending.

For example, I took my family down to the beach this past weekend and I couldn't get over how many people were swarming the shops and restaurants.

And when I looked at seasonal rental sheets, the vast majority of units were rented straight through the season!

I do think the idea of more modest spending — and more vigorous saving — is being revisited in this country. That's a good thing.

At the same time, I do not see a complete cultural shift taking place. And since deflationary spirals are largely driven by psychology, I don't see one taking place here.

Of course, I recognize that there's another implied question when someone asks me about a Japan-style situation …

Will We See a "Lost Decade" in Stocks As the Economy Muddles Along?

My answer: We've already seen one!

Even now, after a very nice rally, U.S. stocks remain roughly in the same spot they were about 12 years ago!

Could we possibly see another 10 years of flat prices? Yes, but I consider it highly unlikely. And since most of my favorite investments are dividend stocks, I don't lose a lot of sleep over that possibility, either.

Remember, when you own steady dividend payers, you are earning solid returns no matter what the share prices do.

Moreover, if you're reinvesting your dividends, you are continually buying more shares throughout the flat periods and setting yourself up for very sizeable gains when the uptrend resumes.

Lastly, even during substantial periods of deflation, many of my favorite dividend payers would have substantial pricing power because the goods and services they provide are necessities, not luxuries.

Case in point: Medical care costs rose yet again during the month of March, bucking the overall trend. And while food prices dipped 0.1 percent, they were UP 4.3 percent during the rolling 12-month period.

If that doesn't support the idea of holding solid dividend-paying consumer staples and healthcare companies during this downturn — even if deflation gets worse — I don't know what does.

Best wishes,

Nilus

Permanent Wealth Creation - Editor Martin Hutchinson

But Money Morning Contributing Editor Martin Hutchinson, a well-known expert on income investing, says that today's beaten-down market may represent the best opportunity in years to create real wealth - in fact, permanent wealth. And Hutchinson believes that there are right now two simple secrets that can pave that pathway to permanent wealth.

One is high-yielding dividend stocks.

And the other is gold.

"Since last September's crash, it has again been possible to invest in common stocks with some solid assurance that in the long run, you're not throwing your money away," Hutchinson, a veteran international investment banker and editor of The Permanent Wealth Investor said in an interview this week. "The market is now close to a sensible long-term level; The Dow Jones Industrial Average at its historic high of 14,000 was a mirage - and a very dangerous one for investors."

Hutchinson spoke with Money Morning Executive Editor William Patalon III on Monday and detailed his Permanent Wealth Investor strategy.

Here are the highlights of that interview:

Money Morning (Q): You talk about "Permanent Wealth." Thanks to the implosion of the U.S. housing market and the subsequent collapse of U.S. stock prices, American investors have lost an aggregate $12 trillion in total wealth. Against such a backdrop, is the concept of "Permanent Wealth" still a realistic concept?

Martin Hutchinson: It's actually a more realistic concept than it was between 1996 and 2007, when the stock market was so overvalued. There was a celebrated Jim Cramer tantrum last week, when somebody said retirement investors needed more Jack Bogle (the founder of The Vanguard Group, famous for index funds) and less Cramer. Cramer was right; if you'd bought an index fund Bogle-style in 1999, you'd have lost a lot of money over the last 10 years.

Investing like Cramer - by picking stocks and trying to get the timing right - you might well have lost your shirt, but Cramer did say in 1999-2000 that the tech sector was wildly overvalued and dangerous, and that was extremely useful information. Since last September's crash, it has again been possible to invest in common stocks with some solid assurance that in the long run, you're not throwing your money away. The market is now close to a sensible long-term level; The Dow Jones Industrial Average at a historic high of 14,000 was a mirage - and a very dangerous one for investors.

(Q): Just what is "Permanent Wealth" and how does an investor pursue it?

Hutchinson: What I like to refer to as "Permanent Wealth" is the kind of wealth that you can count on over the long term, or - ideally - permanently. It's the kind of wealth that 18th century aristocrats left in entail for their descendents; today it's the kind of wealth that finances your dreams - even fast cars and houses in the Hamptons - but still leaves you with more money than you know what to do with, meaning that you can live the rest of your life in comfort, and still be sure to enjoy a safe-and-secure retirement.

Investors pursue permanent wealth by following a third investment strategy - not the index fund strategy of John Bogle, nor the in-and-out speculative trading of a Cramer - but something more akin to the search for value and cash flow of a Warren Buffett. I'm talking, of course, about the early-vintage Buffett, before he got so rich and famous in the 1980s, and before his track record became less special. And the best way you can be sure a company is going to give you solid and increasing cash flow is to find one that's actually doing so, quarter by quarter, by paying out high dividends.

If there's a lesson to remember, it's this: Earnings can be manipulated; dividends are cash.

(Q): That brings us to a very important point. Most experts - when they outline strategies for creating wealth - focus on capital gains. But you focus on income - especially dividends. Why is income investing the better path to travel?

Hutchinson: The problem with going for capital growth is that you very often don't get it, and then you've got nothing - the investment just sits there. As I've discussed here in Money Morning many times before, buy dividend stocks - and you will at least be well paid as you wait for the market to go up.

The other reason for buying dividend stocks is that capital gains are so damnably difficult to spot. Tell me honestly: Are you really capable of telling which kind of high-tech widget is going to take off and which one will turn out to not have the "magic" features the techno-geeks want? Me neither, and I'm a Math major, so if this stuff was comprehensible, I would be able to understand it. I had a pretty good grasp on what the Wall Street whiz-kids were doing wrong during the bubble [Editor's Note: Hutchinson was recently cited by Slate magazine for "calling" the market bubble, and forecasting the stock-market decline].

Dividends are easy - you can drop them on your foot, as it were. All you have to do is figure out which companies are run by sharpies - and are paying dividends out of capital - and which companies have genuinely solid business models that aren't going away.

(Q): Dividends ... they seem so basic ... why is it that they're actually so powerful? And why do so many investors fail to see this power?

Hutchinson: Investing for high dividend payouts is a type of "value investing" - investing in stocks with low Price/Earnings (P/E) ratios, or in companies whose stock prices are low relative to the firm's asset values.

With this focus on dividends, you reap all the benefits (the higher returns) of the value-investing strategy. However, by investing in stocks with high dividend yields, you also are getting paid to wait. And you're also defending yourself against a corporate management that wants to throw away your value through unwise investments: Once you have the cash, it's no longer locked up inside the company; it's yours to keep.

Investors don't see this because they buy stocks through brokers and read about stocks in the financial media. A 100% capital gain is much more exciting than a 10% dividend yield, and a new tech concept that turns out to work is more exciting than a business that just keeps on turning out good profits and paying those profits out to shareholders as dividends.

What's more, high-yield stocks lend themselves well to a "buy-and-hold" strategy that maximizes returns for the investor but not for the broker. If a growth stock doesn't go up, the investor has nothing; but the broker can then make another commission by making the investor switch to a different "growth" stock, playing on the investor's boredom and feeding him a new "concept."

Corporate management teams, Wall Street stock brokers, and even the mainstream news media all have a vested interest in promoting "growth" stocks to investors; it's not surprising that most investors buy mostly what is sold to them.

(Q): How do dividends create wealth?

Hutchinson: Dividends create wealth in two ways.

First, they provide cash flow that you can either use for living expenses or to reinvest: That means there's no more having to sell shares, often at a depressed price, to meet your monthly bills, or to finance a vacation or home remodeling.

Second, if you buy shares with high dividend yields, there's a good chance that the market will eventually notice the superior [dividend] payouts, and revalue the shares so that their dividend yield is back down around the market's average. For a dividend yield to go down in this manner, the stock price has to go up. Once that happens, you have received dividends and capital gains.

(Q): You talk about the three key steps of permanent wealth creation? What are those three steps? How do they work?

Hutchinson: The first step is to invest in stocks with high, stable dividend yields - yields, in fact, for which there's a good chance of an increase.

The second step is this: When the high-yield stocks you've invested in revert to normal market dividend yields (because the share price has risen, pushing the dividend yields down), sell those shares for a nice capital gain, and invest the newly increase proceeds in newly selected high-yield stocks. By following this part of the strategy, you've increased your capital and your income.

The third step is to increase your capital still further: Invest small portions of your capital, or perhaps some of your higher income, in options, the currency markets, or in other income-related or gold-related investments.

In fact, let's make sure to return to the topic of gold in just a moment.

(Q): Is gold also part of this strategy? Why so? What do you see that makes gold such a powerful part of "Permanent Wealth?"

Hutchinson: Gold and gold-based investment - such as gold-mining companies - are an important part of a permanent-wealth-investment strategy because of gold's historic function as a store of value that is impervious to inflation. At the moment, when inflation is low but there is a big danger of it rising, gold investments are an essential protection for permanent wealth investors.

(Q): Having closely studied the Obama administration stimulus and bailout programs, why do you feel that inflation is an almost-certain part of our future?

Hutchinson: Two factors in government policy make me expect a big resurgence in inflation: fiscal policy and monetary policy. Fiscally, U.S. President Barack Obama is running the biggest deficits in U.S. history, which will push up yields in the U.S. Treasury market, cause the dollar to decline and cause inflation to surge because of the debt burden. Monetarily, broad money [M2, Money of Zero Maturity (MZM) or M3, take your pick] has been rising at an annual 15% clip since September - which will feed through to inflation once the economy bottoms out.

Finally, there's the combination of the two: [U.S. Federal Reserve Chairman] Ben S. Bernanke buying $300 billion of U.S. Treasury bonds over the next six months, and printing money to do so. That means printing money is being used to finance 15% of the $2 trillion in government spending during those six months. Germany's Weimar Republic used printing money to finance 50% of government spending in 1919-1923, and ended up with 1 trillion percent inflation.  We're not quite there - yet. But we're headed in that direction.

(Q): What's your overall outlook for the U.S. and global economies? In the near term? The long term? What should investors watch for? How will that outlook affect "Permanent Wealth?"

Hutchinson: I'm quite optimistic about the short-term; I think this recession will reach bottom in about the third quarter of 2009. However, after that the huge budget deficits and rapid money-supply growth will make early recovery impossible. Instead, for several years, we'll have persistent quite high inflation, sluggish growth and probably a weak dollar.

That means the U.S. stock market won't go anywhere for some time - but "Permanent Wealth" investors will get dividends and inflation protection, meaning they needn't fear such a scenario.

Internationally, those countries without the big fiscal deficits and monetary expansions will recover quickly, as in a normal recession. In Europe, that's Germany and possibly France. In Asia, that's Korea, Taiwan and China (which has had "stimulus" - but had a surplus, beforehand - so can afford it). In Latin America, that's the well-run countries - Brazil, Chile and Colombia.

Permanent Wealth Investors will make sure to have a substantial part of their money in Alpha Bulldogs from those countries.

[Editor's Note: When Slate magazine recently set out to identify the stock-market guru who most correctly predicted the stock-market decline that accompanied the current financial crisis, the respected online publication concluded it was Martin Hutchinson, a veteran international investment banker who is one of Money Morning's top forecasters.

It was no surprise to our readers: After all, Hutchinson warned investors about the evils of credit default swaps six months before the complex derivatives did in insurer American International Group Inc. Then last fall, Hutchinson "called" the market bottom.

Now Hutchinson has developed a strategy for investors to invest their way to "Permanent Wealth" using high-yielding dividend stocks. Indeed, he's currently detailing a strategy that will enable investors to make $4,201 in cash in just 12 days. Just click here to find out about this strategy - or Hutchinson's new service, The Permanent Wealth Investor.]

Money Morning/The Money Map Report

Gold Thoughts from Ned Schmidt

GOLD THOUGHTS
by Ned W. Schmidt, CFA, CEBS
Schmidt Management Company
April 14, 2009

Grand and glorious global housing bubble came to an end not because it had caused so much money to be borrowed. It came to an end because no more money could be borrowed. Debt bubbles come to traumatic conclusions not because so much credit had been created. Debt bubbles implode when no more credit is available. Lack of credit, the fuel for a mania, is what comes to be the problem.

Governments do not, perhaps regrettably, come to an end. They are, though, periodically brought to their knees by debt. The Spanish monarchy went "bankrupt" more than once from over spending and debts. Argentine governments simply decided it did not wish to repay its borrowings. U.S. government is headed in that direction.

U.S. government continues to borrow as if world were a limitless credit card. Obama Regime, with a Peronist style populism, believes spending is key to political power. No regard is given to financial foot print of that spending, or from where the money might come. Obama Regime does not apparently consider, nor care, of economic repercussions of deficit spending. With a deficit of more than two trillion dollars in the coming year, the Obama Regime has no choice, as we will see below, to resort to monetization for financing most of the forthcoming avalanche of U.S. debt.

Our first chart, below, shows that Obama Regime will have little choice but to resort to debt monetization. Regrettably, the Federal Reserve will acquiesce to that necessity. This graph portrays how the "free" money from global central banks is about to be turned off. Already, the Associated Press(11 April 2007) is reporting that China, for example, has less money available to finance the Obama Regime's spending spree, "China's central bank said Saturday that its foreign exchange reserves rose 16 percent year-on-year to $1.9537 trillion by the end of March. China's reserves, already the world's largest, increased by $7.7 billion in the first quarter - $146.2 billion less than the same period last year, the People's Bank of China said. . ."[Emphasis added.]

1

For more than a decade, the U.S. government has relied on gullible central banks to finance both economic prosperity and political power. That happened by foreign central banks recycling the foreign trade deficit of the U.S. That recycling of money may be coming to an end.

In that first graph, the black line is three month moving sum of the U.S. trade deficit. That massive spending spree has been near halted by the collapse of the housing bubble. U.S. consumers can no longer spend with abandon on foreign goods to fill their four bedroom mansions. The end of that spending spree means the flow of dollars to foreign central banks is collapsing.

But, that recycling of money was used to finance the U.S. government. The red line in that chart plots the three-month sum of purchases of U.S. debt by those gullible central banks. Early in the chart, the surplus of dollars, the U.S. trade deficit, more than covered the purchases of U.S. debt by foreign central banks. That situation no longer exists. With the U.S. trade deficit collapsing due to the Obama Depression, the supply of dollars going to foreign central banks no longer exceeds their purchases of U.S. debt by foreign central banks.

Foreign central banks can not continue to purchase U.S. debt at current rates as they do not have the flow of dollars to do so. The New York Times reports(12 April 2009) in "China Slows Purchases of U.S. and Other Bonds,"
"Reversing its role as the world's fastest-growing buyer of United States Treasuries and other foreign bonds, the Chinese government actually sold bonds heavily in January and February before resuming purchases in March, according to data released during the weekend by China's central bank."

"China's foreign reserves grew in the first quarter of this year at the slowest pace in nearly eight years, edging up $7.7 billion, compared with a record increase of $153.9 billion in the same quarter last year."

2

With no choice but to resort to debt monetization as a result of the inability of foreign central banks to continue financing unlimited U.S. deficit spending, the Obama Regime has forced the Federal Reserve to unleash a money tsunami. In the final chart on the previous page is portrayed the 13-week rate of change of the Federal Reserve's holdings of U.S. debt. Never, ever, has a major central bank pursued such irresponsible monetary policy. To believe that this level of debt monetization will continue without repercussions is both naive and ridiculous.

First ramification of such a rate of debt monetization is to flood the paper asset markets with money. Such is the reason the U.S. paper equity markets have rallied in recent weeks. The second  round effect will be felt in the market for dollars and Gold. Near unlimited pouring forth of dollars can only ultimately send the value of the dollar lower. Next step after that can only be a higher a price for $Gold. With investor attention turned to fantasies over bank earnings, $Gold's price dipped. As a consequence, our intermediate indicator gave another buy signal on Gold on Monday. Investors, desiring to protect their wealth from Federal Reserve debt monetization and Obama Regime's wealth confiscation, should be adding to Gold holdings on current price weakness. 

5 Tips to Better Convert Your Traffic into Income

by Alan Liew

Conversion is important to anyone who wants to generate income through a website. You must be able to convert your web traffic into revenue. If you run an e-commerce site that sells products or services, you are going to need to convert your traffic into paying customers. If run a niche content site or blog, then you must be able to convert your traffic into AdSense ads revenue or other sorts of ad revenue.

To know how well your website traffic is converting into income you can do a simple calculation to get the conversion rate of your traffic. Let say you are getting 1000 visitors daily and 10 out of the 1,000 visitors are taking action to buy a product on your website. The conversion rate is 1%. The simple formula for calculating conversion rate percentage is:

10 (Number of visitors taking a preferred action) divided by 1,000 (Number of people visiting your website) multiplied by 100 equal to Conversion Rate Percentage

Improving the conversion rate is the way to increase your sales, leads or income. The first thing you need to do is to review your latest month traffic stat and your sales or revenue report. Get the figures and calculate your daily conversion rate for 15 to 20 days. The outcome will tell you the range of your daily conversion rate (i.e. 1 – 2%, 2 – 4%) and how well your website have performed.

Once you get to know your conversion rate, you may start making the necessary changes and website optimizations to increase your conversion rate.

Here are some of the tips that will help you convert more traffic into cash:

Use Web Video
Adding a video onto your e-commerce website can make big difference in term of sales and conversion. A simple video introduction about your products or services can make you stand out from the crowd. You will simply make your visitors more interested to buy from you than your competitors.

Allow Product Return
Set a return policy or offer money guarantee back to your potential customers. As the competition of online businesses is fierce, there is a need to use these policies to maintain your conversion rate. And if no one is using it, you gain an advantage of getting more sales.

Provide more Quality Content
The content can be 'how to' articles targeted to your visitors interest or reviews on products or services. When purchasing online, people often need more supportive information before making their decision, so, publishing good product reviews and articles can encourage your visitors buy your affiliate products. If you are making money with AdSense, adding more quality content pages will probably convert more of your traffic into AdSense commission.

Adding Trust Seals
Make the visitors feel secure to purchase from you. The fastest way is to money to get the trust seals from BBB.org and Tuste.org. With these trust seals placed on your e-commerce website, your let your visitors know that you are doing real business and thus they don't have to worry about whether it is safe to buy from you.

Collect Feedbacks
Ask for feedbacks from your visitors. You may use online survey to gather your visitors feedbacks. Place a link or image on the sidebar of your home page. The link or image will be an invitation to your visitors for taking a survey. The purpose of your survey should be focusing on improving your business to serve your customers better. So, whatever question you ask should be relevant directly to this purpose.

Understanding Google Adsense

Google AdSense is certainly the most popular Pay Per Click or PPC program in our industry today. All you have to do is enroll your site under the Google AdSense program and add some code to your web site to display ads on your web pages. You earn each time a visitor to your site clicks on one of these ads.

Visitors don't have to buy anything. After all, this is a pay per click program and not a pay per action or CPA program. They just have to click on the ads and nothing more ­ but the advertisers hope visitors do more than just click and look The advertisements on Adsense come from advertisers using Google's Adwords program.

Ads are definitely not random, but instead are selected to be contextually relevant, meaning, that they are selected based on their relevancy to the subject of your site.

By providing high quality content and careful use of keywords, you provide an excellent base for individuals looking for information about specific products and services, and an excellent vehicle for advertisers targeting those individuals.

There are three determinative factors for the revenue of a site enrolled under the AdSense program.

1. The Cost Per Click or CPC of the ads appearing to your site.

2. The number of page impressions, or simply put, the amount of traffic that passes through your site. If you have a lot of page impressions, you have a better chance of getting a lot of clicks.

3. The Clickthrough Rate or CTR, which is the percentage of viewers who click on your Adsense ads. The higher your CTR, the more you should earn.

Getting more Impressions!

Here are some ways to increase traffic at your web site.

You can create more web pages adding with relevant and focused content.

You can create more internal links to your web pages by cross-linking topics.

List your web site under relevant categories in more directories.

Set up a directory of relevant sites on your website and accept relevant reciprocal links

Write relevant articles. Ensure that your site information in the resource box at the end of each article. Submit to article directory site.

Advertise with pay per click search engines.

Getting more Clicks!

Clickthrough rates are the percentage of viewers who click on your Adsense ads. You can increase Clickthroughs by increasing the relevance of Adsense ads on your site, and by tweaking the format and placement of your ads.

You cannot choose which ads Adsense shows on your site, but you can influence the relevance of the ads through your choice of content on each web page and across your web site.

If every page on your site focuses on the site topic, it is more likely that the Adsense ads will too. For example, if the focus of your web site is all about books, and the word "book" appears several times on every page, it is likely that your Adsense ads will relate to books.

The best placement for Google ads varies from page to page, depending on content. Some locations tend to be more successful than others. Wider ad formats tend to outperform their taller counterparts. Google has a "heat map" at http://www.google.com/support/adsense/bin/static.py?page=tips.html that shows how the placement of ads affects the clickthroughs. The colors of the ads also has an effect.

The best way to optimize your web site is to use the Adsense channels feature to track your ad formats and placements. It then becomes all about testing and tracking to see what performs best for you.

What is Effective CPM?

Effective CPM is a measure of your average earnings per thousand impressions. You can increase your Effective CPM by selecting topics that might attract higher bids from advertisers, and building pages and whole websites based on higher paying topics.

Even though Google does not release much information about the value of Adsense bids, you can get a good idea of top paying topics by looking at information tools on Adwords and other pay-per-click search engines. There are also many keyword research tools available, both free and paid, that can help you find high paying topics.

Succeeding with Adsense!

It is a really simple set of rules to help increase your Adsense income.

Build pages and websites with focused content for the best Effective CPM.

Place and format your Adsense ads to maximize clickthroughs.

Promote your sites. Drive targeted traffic to your web pages for maximum impressions.

About the Author

Brad Trupp is the Editor of 4hb.com.

The J-Rod's $100K Income System

by Alan Liew

If there is a new money making system that seems to be working, would you think about giving it a try?

A guy name Jhonathan Rodriguez started from $0 to $40K per month just by using an automated system he created - The J-Rod's $100K Income System. This system has made a life-changing income for Jhonathan and he believes that this system will work for other people as well. So, he decided to share it.

A step-by-step plan has been written to let people learn and copy everything about the system to start making money. If you are in a hurry, he can visit the below link immediately to find out about how to get access to the $100K system to make money at home using your computer:

http://www.10k-10days.com/?tid=liew

The $100K System is actually an online or home business system. It is created for beginners who want to make money at home but don't have the special computer knowledge and business experience. Jhonathan laid out everything in step-by-step guide so that you know how to use the system. But this isn't a fun and easy way of making money online. You do need to seriously work on it to succeed.

What the system is about and how it works?

As mentioned above it is an online business. You will have your products, website and other necessary marketing tools to make thing works. Jhonathan will teach you a simple method which is the post card marketing method that can be applied to promote your product get loads of targeted prospects. There is no need to call and talk to the prospects as your postcards will do all the marketing and selling for you. You will get access to an exclusive list of broker providing you with a hot list of target prospects to mail to.

You will use a website to generate profit. The postcard marketing will generate traffic for your website and then the website will convert the target prospects into sale and profit for you. Jhonathan will also let you access to his all other proven marketing and advertising methods like E-zines, magazines, and CPA advertising so that you can grow your business faster.

Everything is set up for you

All the tools that you need to get started and succeed with the system will be provided. Here's what you will get:

• A customized website with your own domain name that is built to convert your prospects to income.

• Customized E-mail follow up campaigns that will keep on market your business to your prospect.
  

• The same postcards that Jhonathan has used to make money.
  

• A bunch of promotional tools like videos, audios and autoresponder that you need to market your business.
  

• And more......

Has Anyone Tried J-Rod's $100K Income System?

Actually Jhonathan already taught quite a lot of people to use his system to make money online. Those who have got good result with his system posted their success stories on Jhonathan's site. But of course not everyone gets good result. It depends on the effort put in and a little to do with luck.

This can be a great system for you to start making money online. You can take a tour on the J-Rod's $100K Income System at http://www.10k-10days.com/?tid=liew. You will get access to Jhonathan's video presentations that explain everything and decide if this is the opportunity you are looking for.

How Email Marketing Can Directly Impact Your Online Business

by Alan Lien

The Internet is no doubt a powerful tool to market all sorts of products and services. When you have something to market and sell, the Internet can directly put you in touch with your potential buyers. And one low cost and effective way to do this is by setting up an email marketing campaign.

With email being free and easy to setup, many companies are now using it to contact their customers directly to inform them about new products. An email marketing campaign is a great way to deliver a message directly to your consumers and not have it filtered through other mediums. This is one of the best ways to not only promote your products and services but also spread the word about your business.

Email marketing can take a great many forms as well. You will be able to send out company newsletters, invitations, and just informational emails to those that are on your email marketing list. Emails are fast and efficient for many companies to spread the word about their new products or services to those that are interested in them.

When you launch a product or a service, it is only natural for you to be greatly concerned about the way that your market is going to react. Your business' success, after all, depends on your customers' positive reactions to the new product that you are offering.

As you surely know, every business must allocate a significant portion of its budget for its marketing efforts. This is also a reason to cause you some worry as it may be difficult to gauge the effectiveness of your various marketing campaigns.

When you are very concerned about the marketing campaign that you are using, there are more than a few marketing services that will help to alleviate some of your concerns. The email marketing service that you use can give you a head start on the campaign to start your business off on the right track. If you wish to ease some of your worries, you should consider hiring a professional service that will handle your email marketing campaign.

When you avail of an email marketing company's services, you can rest assured that they are developing a strong plan to promote your products. You are taking advantage of their experience and expertise. With a reputable email marketing company on your side, you can be free to focus your efforts on the other aspects of your business.

Using an email marketing company can be a great way to build up relationships with your customers as well. They can help keep you in touch with your valuable customers regularly. Constant interaction with your customers will engender loyalty and help to keep them from buying products from your competitors instead of from you. Your loyal customers are the backbone of your business and you must not neglect them. This is the way that you can keep your business going strong for many years down the road.

"Are You Still Trying To Figure Out
How To Make Money Online?"

Your search is over!

I know you have heard this over and over again. You have probably tried many things and ended up spending a lot of money on plans or programs that you just couldn't figure out or just plain don't work for most people.

Been There, Done That, Got The T-Shirt...

Hi,
My name is Margaret Albright.

If you are willing to try one more time, I have to tell you, you will be pleasantly surprised. I have put together a system that anyone with a computer can do. No prior experience is needed. The learning curve is so small you already know how to do it.

I have to tell you a little background info about me before I tell you about my system. Why? So you will understand where I stand and not be afraid to give it a go.

I tried for years and years to create an online business. I spent a ton of money. Bought several gigabytes of ebooks, lots of software, several different hosting plans and over a hundred domain names. I signed up for every affiliate program that I ran across, tried ebay and clickbank. You name it, I tried it. (I did make money with ebay but it sure was a lot of hard work.)

I know, I know, everyone has the same sob story, right? Well, my story is a little different.

I didn't hit upon the ultimate plan that started bringing in millions over night. I know this is different from all the hype you read everyday but I believe honesty will prevail and you don't need a big hyped story to be convinced that I have a good system. I believe the truth is a better approach.

While I was working hard, selling things on ebay, I became obsessed with learning how things worked online. I taught myself how to write HTML because I couldn't afford FrontPage or Dreamweaver and there wasn't a good, free editor available as far as I knew.

So, anyway, I taught myself HTML and created my own website. Learned how to do all the SEO stuff and started making some real money. (Don't worry, you don't have to learn HTML or any SEO stuff.) I was so excited, I finally figured it out!

I don't want to bother you with my whole story if you aren't interested so I'm not going to go on and on about me here. If you are interested in learning more about my story, you can find the extended version here with pictures and everything.

So, let's get back to what I can do for you...

I was asked, by many people, to figure out some way for you to have an online business without creating and maintaining a website. For a lot of people there just isn't enough time in a day to take care of the job, the family, the house and still work on a website.

I know exactly where you are coming from. I was in that same predicament for a long time.

So I asked those people to tell me what they were looking for, details please...

This is what I got:

• An online business that didn't require they have their own website
• No hosting or domain name needed
• No more work than about one hour each day
• No lengthy set up time
• Little or no start up costs
• No maintenance required
• No contacting anyone
• No trying to convince anyone to buy anything
• Nothing that has to involve friends or family participation
• Something that will produce an ongoing, residual income
• Something that will start producing results almost immediately
• Easy work that will not stress you out
• No confusing learning process

That is One Tall Order!

I didn't think this was possible. If it were, wouldn't someone already have it in place? With all the money making plans out there, surely someone smarter than me would have created such a program if it were possible.

Well I thought about it at great length. I tried many, many different ideas but all of them fell short in one respect or another. And then, finally... Believe it or not, I figured it out. I actually created a system that fits all of the above. I surprised myself with this one. lol

This is so easy to do. If you can click a mouse, you can do it.

The coolest thing, in my opinion, is this system will only work if you are helping other people. I am a firm believer that the more you give, the more you get back. This is how I run my life and it has proven to be true throughout.

You do not have to help other people, personally. I do that.

You will offer this system to people who are looking for this exact system. (I'll show you where they are and how you can present this system to them in an anonymous way.) They will sign up and help other people find this system. The more people you help, the more money you make. There will never be a time when there are too many people involved. Over saturation is impossible.

I know... it sounds crazy! I wouldn't believe it either if I were in your place.

So, how am I going to convince you that I am for real and my system fits all the above criteria? That's the one thing I haven't figured out yet. lol

Seriously, I could use all the hype words and tell you that you just have to try this but you would then put me in the same category with all the con artists and shysters out there and leave.

This is about the best I can do:

I will explain the entire system to you. Right here, right now. No secrets, no tricks. You can see for yourself how sweet this system is and you will completely understand why it works before you ever decide to trust me and move forward.

Fair enough?

OK... So right about now I am thinking I should ask you for your name and email address so I can contact you later, just in case you get tired of reading this and go do something else. But then I thought you would just think I am another one of those people and leave anyway. So, I am not going to ask you for that information just yet. If you are getting tired of reading this or are running short of time, you can bookmark this page and come back to it later.

Be forewarned though, I will ask you for that information eventually. Not so I can beg you to buy stuff or try harder to convince you to work with me. By the time you finish reading this, you will not need to be convinced, nor will I have any need to sell you anything. I will ask you for your name and email address so I can send you my business guide and you can get started working with me. You will want to give me your info when we get to that point.

About my Business Guide...

It is a short, 10 page guide. It will give you the links to the programs I am going to outline in the explanation below. It will also teach to you how to separate a "Good Opportunity" from a "Great Opportunity" so you will be sure you are joining a great opportunity.

Let's face it. There are probably a lot of "good" business opportunities out there today. But what turns a good opportunity into a truly incredible opportunity? When you're considering joining a new business, there are 3 critical things you need to consider. You will find out what those 3 things are once you get my guide.

It is a Free Guide.

I know this is getting long and you are probably wondering when I am going to try to sell you something. Well, I don't have anything to sell you. As you read about the system below you will find out that there is one program that we work with that will eventually cost you a fee to continue your participation. You will not need to pay this fee until after you have proven to yourself that you will be able to make enough money to pay that fee. No 'out of pocket' expenses.

The System:

I am going to try to explain this to you the best way I can without revealing too much and messing things up for you. It is vital that you do not join anything until you get your guide or you may disqualify yourself from the system. As you are reading this, you may think I am being too evasive and this must be another scam. The reason I can't tell you the exact programs that we work with in the system is because your success and the success of everyone before you and after you depends on you joining the programs from the guide.

It will all come clear to you before long so, please just hang in there and trust me for a little while longer. Know that I hate the fact that I can't reveal it all here just as much as you hate being left in the dark. So, please accept my apologies while you finish reading about the system.

The basic outline...

I have found several online businesses that all work together to produce a fast and easy working system. I will be showing you how to find the people that are looking for this exact system and you will not have to personally present this system to any of them.

One of the businesses is free to join and you will be paid $5 as soon as your referrals reach a certain threshold. They also join for free.

Most of the businesses will offer you the venue for your free advertising. I will give you step by step instructions for you to set up the part that I can't do for you. I have tried and true advertisements for you to use so you don't have to figure out 'how to do it' or 'what to say', just follow the instructions.

One of the businesses, the meat of this system, is free to join for your first 30 days. After that it will cost you $17.95 each month to continue. This 'meat of the system' business has a superior affiliate program that goes 10 levels deep.
You will be able to prove to yourself that this system works and actually see a profit before you pay to upgrade if you are scared to trust another program.

It is important to tell you at this point, if you follow the system and put in one hour of work each day, you will get far more than 2 people signing up long before a month passes.

This business will produce an awesome income for anyone who puts a little effort into promoting it. Not overnight though. This is not a 'get rich quick' scheme. It does produce a steady, growing income. How quickly it grows depends on how much time and effort you put into it. One hour a day produces good results. If you have more time, your business will grow faster.

How to promote is the problem that most people run into. That is where my system comes in. You don't have to try to figure anything out. I wrote the website, splash pages and guide that will promote the system for you. You advertise your splash pages and the system will do the rest.

You don't have to find people to give the guide to. There is an endless supply of people online everyday looking for money making opportunities. These people are using the traffic exchanges trying to drum up business for their offer and checking out other offers at the same time.

Most people give up on their current offer and jump to another and another and another because they are not seeing results quick enough. That sets you up for a huge amount of new sign ups real fast because my splash pages get a higher than normal response.

The good news is, they will not search for another program after they have started with this system because they will see good results and fast. Once they start getting people to sign up, they will keep going because they will see that this system is the real thing.

Think about it, why do people stop working on a program? It's because they are not getting anywhere. You don't stop doing what works, do you? Of course not. Neither will the people that you refer. This is such a "No Brainer" that anyone can do it and everyone who does do it will see success real fast.

The best news is, you don't have to figure out how to start or how to set anything up. I do all that for you.

I will be setting up a series of email messages in your autoresponder that will help people decide to join my program from your link. It is not hard to get people to join because they will be reading this information on your website. (Don't worry about your autoresponder, it's part of the system)

Everything you do each day will multiply over and over again. You will start receiving large, weekly and monthly checks for all the efforts of other people.

How can that be?

Every program in the system offers you rewards for referring other people. Either monetary rewards or advertising credits. Everything your referrals do will result in one of the above rewards for you.

Eventually you will have a huge organization of people working for you as they work for themselves. You will get to the point when your one hour a day is actually producing results that could only be produced if you worked 24 hours a day. Still doing your simple, one hour job.

All you do is join the programs outlined in your guide. Send me your ID's from the various programs so I can rebrand your guide and set up your website, autoresponder and splash pages. Then you surf the traffic exchanges for one hour a day. That is all you do! That is your job.

People will see your splash pages, click on the link, read this information, join your autoresponder and get your guide. They will soon see how simple this system is and how quickly they can start a real internet business that produces real results, fast. They will join the programs from your links and you make money.

This happens over and over again. For you and for all the people you refer for ten levels deep!!!

I am sure you are starting to see how all this will add up quickly. If you do your daily 'work' you will soon have a huge organization of people under you, working for you, making you the BIG paychecks that you desire.

Now here is the greatest part of this system... Almost everyone that reads this website and gets the guide, joins the system. Those who don't join are very rare. Unfortunately for them, they can not see the awesome profit potential in this system. It isn't a problem for you though because most people can see the opportunity they are facing and they will join.

Once a person signs up and gets started, they never quit. This is because they are making money very quickly and easily. You don't quit a good paying job that only takes one hour of your time each day.

I hope you are seeing the huge, profitable business you have sitting in front of you right now.

I am getting to the point where I am going to ask you for your name and email address. Just thought I would warn you so you will be ready. :)

So, when you give me your name and email address, I will give you the guide with all the programs in it. You will read the guide and join the programs. You will send me your ID's from the programs and I will get your system set up for you.

• I will create a duplicate website just like this one for you. I will host it on my server under my domain so you do not have any of those costs or concerns.
  
• I will create splash pages for you to use in your advertising. Just like the splash page that was used to get you here to read this. I host these as well.
  
• I will create an autoresponder series for you to use to follow up on the leads you get from this website. You don't have to worry about what you are going to say to people, it is all in your autoresponder.
  
• I will make you a personal copy of the guide with all your links to the programs. When you give the guide to someone, they are joining the system through your links and you are making the money for your efforts.
  
• I will answer all questions from your prospects and referrals, you don't have to worry about anyone contacting you asking for answers that you don't have.
  
• You will get, super easy to understand, instructions on how to do your part of the set up. If you get confused and need help, I am always only an email away. Remember, this is what I do for a living so you don't have to wait long for an answer to your email.
  
• There is a private, members only forum for all members of My Instant Biz. You will find lots of helpful and successful members waiting there to help you. You are not alone with My Instant Biz. Join our successful community.

Ready? Fill your information in the red box below. You will be joining my autoresponder. This means you will have to confirm your request in an email that you will get after you click on the button. You can cancel this autoresponder series at any time with one simple click.

Name Email Email must be valid or you will not get your guide. DO NOT use Yahoo mail or Comcast or you will not get my messages. They do not deliver anything that comes from an autoresponder. Get gmail, it's free and you get to decide who you want mail from. Aol will deliver some but not all. Your information will never be shared, sold or rented to anyone for any reason. Each message you ever receive from me will have an instant click, unsubscribe link. If you ever decide you no longer want to hear from me you can instantly unsubscribe and never get another message.

Not ready yet? If you are still concerned that there is some unanswered secret here or you just need more information, send me an email and I will clear things up for you.
Write to admin @ myinstant .biz (remove the spaces)
Put 'About The System' in your subject line so you don't get dumped into a junk folder in my email box. (This is not an autoresponder. This is my direct email address.)

P.S. This is not a limited time offer. The problem with waiting is you are passing up a great opportunity to start a real online business today. If you decide to wait, you will probably lose this page or forget about it. If you are lucky enough to find your way back here in a few months or a year later and then get started, you will be kicking yourself for not starting sooner.

P.P.S. There isn't going to be a stupid 'one time offer' when you click the button above. I have nothing better to offer you. There isn't any upgrade or platinum package. There is only one system and it is free for anyone to try. You will not have to commit to any payments until you are sure this is the right program for you.

I hope to be working with you very soon,
Margaret Albright