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There are multiple articles titled “7 ways to save on car insurance” or “5 Tips to lower your auto insurance costs” etc, but would it not be great to have all those saving tricks and discounts at one place? Below you will find such a list for Auto insurance. This list is a comprehensive overview of all opportunities to save on car insurance in Canada, and was compiled based on the results of numerous discussions with insurance brokers and through analyses of different insurance offerings.1. Shop around: Search, Compare, and switch insurance companies. There are many insurance providers and their price offerings for the same policies can be very different, therefore use multiple online tools and talk to several brokers since each will cover a limited number of insurance companies.2. Bundle: Do you need Home and Auto Insurance? Most companies will offer you a discount if you bundle them together.3. Professional Membership: Are you a member of a professional organization (e.g. Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount. 4. Students: Being a student alone can result in a student discount. 5. Alumni: Graduates from certain Canadian universities ( e.g University of Toronto, McGill University) might be eligible for a discount at certain Insurance providers.6. Employee / Union members: Some companies offer discounts to union members.7. Seniors: Many companies offer special pricing to seniors. 8. Direct insurers: Have you always dealt with insurance brokers / agents? Getting a policy from a direct insurer (i.e. insurers working via call-center or online) often can be cheaper (but not always) since they do not pay an agent/broker commission for each policy sold.9. Annual vs. monthly payments: In comparison to monthly payments, annual payments save insurers administrative costs (e.g. sending bills) and therefore they reward you lower premiums. 10. Loyalty: Staying with one insurer longer can sometimes result in a long-term policy holder discount. 11. Annual review: Review your policies and coverage every year, since new discounts could apply to your new life situation if it has changed. 12. Welcome discount: Some insurers offer a so called welcome discount. 13. Benchmark your costs: Knowing how much other consumers similar to you pay for their insurance can help you identify the most cost-friendly insurance providers. 14. Car Insurance Deductibles: Increase your car insurance deductibles if you believe that you are capable of incurring higher payments for damages in case of an accident. This is especially suited for more experienced car drivers. 15. Being a second driver: Driving a car only occasionally? Become a second drive instead of being a principal driver 16. Minimal coverage: Driving an old car without large value? Get a minimal coverage required by law (mainly liability) w/o collision damage (you are still protected if you damage somebody’s car but damages on your car will not be covered) 17. Minimal Coverage: Driving an old, inexpensive car? Then only get a minimal coverage plan which is required by the law (mainly liability) without collision damage coverage (does not cover damage costs for your vehicle) 18. Leverage your Credit Card: Check if your credit card insurance includes rental car protection. Paying with a card that has insurance for rental car protection can you save you around $20 per day in Collision Damage Waiver fees. 19. Leverage rental car coverage: If you frequently rent cars and have an auto insurance policy, you should check if your own auto insurance policy actually covers the rental car. If it is the case, you can save on all Collision Damage Waiver costs for rental vehicles. 20. Rental car rider: If your existing auto insurance policy does not cover your rental car, you can often add it as a rider (policy extension) for $20-30 dollars a year. Compared to $20/day you would pay when renting a car, it’s not a bad deal! 21. Location, location, location: Car insurance costs are different from one province to another (e.g. moving from Ontario to Quebec will surely reduce your insurance costs by half). If you move within a province, you should check for any changes in car insurance costs, and ideally you should move to where costs are lower (e.g. Burlington, Ontario has one of the highest car insurance rates in Ontario)22. CAA member: CAA Members: Are you a member of the CAA? Some insurance providers will reward you with lower insurance premiums, including, of course, the CAA. 23. Dashboard camera: Get a dashboard camera for your vehicle. Even though installing a dashboard camera does not result in direct savings (insurance companies do not offer any insurance discount related to dashboard cameras) but it can prove you not-at-fault when it is the case in an accident. It results in you avoiding unfair premium raises.24. Driving Course: Successfully completing a driving course is sometimes recognized by some insurance providers and could help you reduce your premiums. 25. Improving your driving record: Do you have a bad driving record? Every three years previously incurred tickets are removed from your insurance history and your insurance premiums can go down. 26. At-Fault Accidents: Have you been in a couple of accidents in the past where you were at fault? With a little patience (six years with no accidents), your risk profile will improve allowing you to once again enjoy reasonable insurance premium rates. 27. Age: Senior drivers enjoy lower auto insurance premiums. Thus in several years your premiums can go down. 28. Car Make and Model: Wisely choose your car, as some car models are more susceptible to theft or even have a history of more risky drivers (e.g. Toyota Camry, Acura MDX, Toyota RAV4, and Honda Civic are usually quite expensive to insure) 29. Good Student: Yes, having good grades can have many positive impacts, and even on your auto insurance rates! E.g. one insurance company rewards students who are younger than 25 and have good grades (grade average of B or higher) with a discount up to 25%. 30. Multiple-cars-bundle: Bundle several cars on one policy and your rate can go down 31. Anti-theft system: Installing a certified anti-theft system in your car results in a lower risk of theft and thus can lead to insurance discounts. 32. Winter Tires: Having winter tires is important for driving safety during the winter, but can also help reduce your insurance premiums. 33. Repair costs: Choose a car that would cost less to repair in case of damage. The repair costs for certain cars (e.g. Mini Cooper or BMW) are higher than other (e.g. Ford Focus) and insurance providers are aware of that. 34. Claim History: Keeping a clean claims history can sometimes be more financially feasible than submitting claims for small damage repairs which could result in increased premiums. Contacting an insurance provider/broker could help you find out what makes sense.35. Being married: In most provinces your marital status affects your insurance premiums (except in Nova Scotia) 36. Short distance to work: Finding a house close to your place of work reduces the distance that you need drive daily to work and thus results in lower insurance premiums. 38. Drop glass coverage: For cars with inexpensive windshields, it can be more economical to drop the glass coverage since in combination with the deductibles to be paid in case of an accident you’d pay more. It is up to you to calculate.39. Retiree Discounts: Some insurance companies will offer different retirement discounts for drivers.40. Disabilities: Some companies offer discounts for people with disabilities.41. Hybrid vehicles: Many companies award driving a hybrid vehicle with lower insurance premiums.42. Private Garage: Parking your car in a safe location (e.g. private or secure garage) normally results in lower insurance premiums with auto insurance providers.

Christopher Terry. By day, stocks trader. By night, network marketing genius. Because of his second “night” job, Terry will be resigning from his primary day job. The really amazing part of that is he will have done this within 5 short months of joining his network marketing company.Within the network marketing company itself, Terry is a leader and a mentor. He does not abandon his downline members. He keeps us informed of company events and policies on an almost daily basis. He lets us know he is here to support us; as long as we are willing to do the work, he will do anything within his power to help us succeed. He is a network marketer’s dream upline sponsor.How did he do it? What is his secret? I sat down with him to find out and share with you his ideas for success.Denise: Thank you for granting me this interview, Chris.Christopher: Thank you, Denise!D: How long have you been working at your career as a stocks trader?C: I have been a Stock and Futures trader since the mid 1990′s. I owned a construction business prior to that. I wanted to be able work and make money from home. Although I started trading in 1995, it was not until 1998 when I was able to walk away from my construction business and trade full time.D: How successful were you at doing that?C: I have done very well. I find it fascinating that I can create wealth from home. I love the fact that a person can take a relatively small amount of money and create a growing stream of income; however, it’s all based on your own efforts. For example, in my business if I don’t trade, I do not earn income. Also, trading takes years of dedication, time and effort to become successful; in other words, there is no such thing as an overnight success.D: I understand you became a leader and motivational speaker in your industry. Share with me how you rose to that level.C: I was actually in Amway for several years in the 1990s. I was fortunate to hit levels of success here in the United States in that company. I then went overseas as Amway opened up new markets, which gave me the opportunity to have an international business. I owe my “positive thinking” to that network marketing experience, since the leaders in Amway always recommended we read positive thinking books and listen to positive thinking tapes. At the time many considered it “brain washing.” Today it is called “Laws of Attraction.” So, l was into positive thinking and Laws of Attraction before it was a cool thing to do. That time period in my life gave me the foundation to grow both mentally and financially. I started a business outside of Amway, and then I went into the trading business.D: What qualities do you see within you that helped you achieve success in your trading career?C: I would have to say vision and foresight. I look at the future of what things can be, not as they are, and then I take action. I have always taken action, I am not afraid of whether that action turns out right or wrong. The worst thing to do is to have an idea and a plan but never actually do anything to put that plan into action. It is better to do something and fail than to never have done anything at all. I have always had a drive for success once I realized I have the power and the ability to become whomever and whatever I want. There is a four-letter word to success, and its spelled W-O-R-K; the reality is anything worthwhile takes work, trading and network marketing included!D: Do you think those same qualities helped you build your network marketing business?C: Those, and also reading positive thinking books and books on success, as well as overcoming my fear to speak to people. I was very shy growing up, so I learned to say “Hi” and start a conversation, to truly become interested in other people and what they had to say. I also am not afraid to work; if I had to dig ditches for a living, I would be the best ditch digger I could possibly be. I believe once you get your mindset right and you learn to ask the right questions, the game is 90% won, and success will be yours.D: Tell me how you got involved in network marketing.C: Interesting story! I was dating a girl and she was bragging about how her boss was making $5,000 a month in some business and that I should talk to him, so I did. He signed me up, and then my girlfriend, the very one who told me to speak to him, wanted me to quit because it was Amway! I told my sponsor that I had some problems and I had to quit. He told me, “Get rid of the problems.” So, I broke up with my girlfriend and built Amway, and as you already know, I became very successful in that business!D: Were you familiar with network marketing before that?C: No, I was not.D: What were your thoughts and, perhaps, preconceived notions, about network marketing in general, prior to joining your first network marketing company?C: I had no idea what it was, all I knew was I had to bring people in the business with me, sell some products and I would get rich. Unfortunately, though, it does not work that way!D: Could you elaborate on that idea? Most of us are brought into this industry with that same notion, and we all eventually experience the same rude awakening that you just described, that it is not as easy as they make it sound. So please, for the people reading this who are not yet in network marketing and are considering it, as well as for those who have started and perhaps are failing, explain what you mean.C: Well, of course you do not just get in and get rich, this is the most common misconception about network marketing. There are people who enter the business and think everybody they know will get in with them. Then there are people who come in saying they have this “one guy that if he gets in, he will make us all rich, he knows everybody!” and it is the furthest thing from the truth. This business is a numbers game. To be successful, you must expose people to the business every single day, to be consistently meeting new people and telling others about our dynamic opportunity. The more people you come in contact with, the more likely you will find people who want to become a part of your team and earn an income with you. This is true from day one; even though you may have a list of 100 or 500 people that you know, you still want to always be in the creative mode and working what I like to call the ABC’s – Always Be Contacting. You do not know where the next million dollar earner will come from.The hardest thing for me is I cannot take the feelings inside my heart and mind that motivate me and give them to someone else, although I wish I could. The truth is, everybody has to find their own will, desire, and hunger to succeed; without them, they will end up like the rest, having some success, but not truly creating wealth. We all know or have heard the hard, cold fact that 98% of the people in this great country are broke and do not have a backup plan; if they lose their job or business, they will be 90-120 days away from poverty. People can blame it on the government, but the responsibility ultimately falls on each one of us. We should be proactive when we do not actually need to be and start our own home based businesses, which will get us out of that 98% and into the 2% income earners.One final thought on this topic: I think the reason most people fail in the network marketing industry is that they treat it like a job and not like their own business. When you act as if it is just another job, you do the least amount of work possible for whatever pay you can get. These people want to work very few hours and get rich right away. Unfortunately, this does not happen in network marketing. Those who invest their time and effort into growing the business, even if there is no income at first, can see the vision of the future. At the beginning they will work 20 hours a day for zero pay, because they see that putting in 20 hours will pay the equivalent of 2,000 hours’ worth of work one day, and eventually zero hours will pay 10,000 hours. Fortunately, in our business the compensation for our work is amazing, but if you do not expand with people, you will not take advantage of the true income potential of network marketing.D: Thorough and well said. I would like to add that when you said one should always be in the creative mode, in addition to working the ABC’s, I think the creativity part should apply to marketing your business. Be creative in your marketing efforts. Think outside of the box and create many different marketing campaigns. Utilize technology and the internet. The more you put yourself out there, the more you achieve exactly what you are saying, Chris, which is maximum exposure of the business to as many people as possible so you can increase your odds of signing up significant numbers new members into your downline. I do this on a daily basis myself, and I also make it a point to talk to people every day to make new contacts, as you have recommended.Getting back to my questions, what were your first thoughts when you were introduced to the specific business we are in together?C: I was actively looking for an online business to get into. I was not looking for network marketing/multi-level marketing, I was searching for an online business that was cutting edge and in which I could earn a residual income. When I saw this business it was in a cutting edge industry, doing business in 170 countries, it offered a strong income opportunity without having to sponsor people, yet by sponsoring people, it offered the ability to create wealth and long term residual income. They say to be successful you need a product that people want, need and can afford, that will be used over and over and is desired in the market place. I found it!D: As we already know, this is not the only network marketing business you have ever been involved in. Were there any others besides Amway and ours?C: I looked at a few others along the way, but I did not join any.D: Why not?C: Well, I am a high income earner in the trading world, both as a trader and an educator. I have been doing this for 17 years, and nothing really struck me as good enough for me to give it my full attention. I have seen MANY companies, products and services. When I saw the opportunity in the industry you and I are in together, I saw an industry that was young, dynamic, and that people loved. It has a place in the market because it meets people’s desires to find a bargain and/or make a deal. Also, it is VERY profitable, so I wanted to be a part of it. I got in first, and then I learned about it as I grew with it. I have not looked back. I have built an incredible team that’s growing in leaps and bounds. You are a part of that team, Denise, an amazing student and downline member.D: Thank you, Chris! How do the other network marketing companies you’ve analyzed compare to the one you and I are in together?C: They cannot compare.D: Besides what you have already stated about our company when you actually found it, what made you think that this was the company to join?C: I have no products to carry around, no juices or vitamins to purchase or sell, I did not have to sneak up on my family and friends, and I do not have to sell expensive products that I can buy in the store cheaper. We get paid to advertise. Period.D: Now, I would like to share with our reading audience your own personal tips for network marketing success. Please tell me, what works for you?C: Relationships are everything; your network is your net worth. I am always in the creative process and always opening doors to new people, saying hello and breaking the ice to get a conversation going. In network marketing, our job is to leverage time and money; without people on your team it becomes impossible. I would suggest genuinely becoming interested in others, going to events, whether it is a show or a business event, or any gathering where good quality people who you may want to work with will attend. I also suggest speaking to people who you would not normally speak to and might even make you feel a little uncomfortable; those are often your best prospects. We tend to feel heroic because we got the number of the drive-through window guy at Mc Donalds; meanwhile, we get false impressions of success when we see somebody dressed in a nice suit and tie and just assume they are already successful, so we say nothing to them because we think they’ve got it all already and don’t need a change in their lives. Both of these people may be your best prospect, or your worst, but you will never know unless you open up the door and say something to break the ice. With the “successful business man” (or so we assume) who we are often afraid to approach, you can start with something as simple as, “Hey, nice tie, where did you get it?” Then see where the conversation leads.D: Is there anything that you’ve done that didn’t work so well?C: Yes. As I’ve mentioned before, it takes years to become an “overnight success.” I have made, will make, and will continue to make mistakes. It is okay to fail; the more you fail the closer you will get to winning. Becoming immune to failing is the key to success. You may wonder why I say this. Well, if you have somebody who is not used to failing and thinks failing is bad, then when he/she hears “No” enough times, it damages his/her confidence, and that person is afraid to keep trying. However, if you are not afraid to fail, you will not let those “No’s” stop you. Instead, you will become more motivated to find the people who will say “YES” to your opportunity or presentation. Become a failure to become a success. This goes for ANY business!D: What is the ONE business building idea you can share that you think is the MAIN reason you are where you are today, about to retire from trading, and about to embark on some major journeys in life, both literally and figuratively?C: First, let me clarify something very important. The word “retire” is loosely used in the network marketing industry. I have been trading for 17 years and it is time for me to take a break. Do I think I will stay out of it for long period of time? No, it has always has been and will always be a passion of mine. I have built my name and reputation as a trader and educator, so I will most definitely return to the industry; however, I welcome a break in the action right now.I love to help and give to others, so this is my current mission. There is nothing better than creating a profit in network marketing and helping others create wealth in the same fashion. Then, bringing my profession back into the mix, profiting on those profits as a trader too is a home run! However, I really do have the freedom to either work or not work; that is how large the income that I have created in our network marketing business is already. The MAIN reason I am where I am today is I will do whatever it takes; I will work 100 hours in a 24 hour day until I make it. As I said earlier, the main ingredient for me is that four-letter curse word, W O R K… and I have a LOW “IQ” (“I QUIT”) level!D: Lastly, you are extremely jazzed about the network marketing company we are in together. What are the defining qualities of this company that makes it so good? Based on that, what should people look for in their own network marketing company or when deciding to actually join one?C: Well, it seems lately I am sleeping no more than 3 hours per night! The energy of the team, of the company, and of the industry has taken the world by storm, and this keeps me “jazzed” as you say! I believe I had already mentioned earlier the reasons why I like our company, because there are no products to lug around and there is no trying to sell to friends and family a product or service they do not want. I have been approached by other network marketing companies that involve selling legal insurance, utility companies, juice companies, vitamin companies, weight loss companies, you name it! I have found that ours is so simple; our work is to advertise and it takes no more than two minutes per day. I am from the Amway world. I got my PhD in network marketing. In my opinion, the most ideal situation is the one that does not require a person to sponsor people to become successful, yet offers the opportunity to earn larger income because you do sponsor, train, and motivate others, and once you help them earn income, you earn additional bonuses. I come from a world where, when you help enough people get what you want, you in turn will get what you want. Everybody has their own version of what is best for them. Some may like a particular industry. My advice? Do your due diligence, figure out what you are passionate about, and run with it. That’s all.I want to thank Mr. Terry for taking the time to answer these questions so thoughtfully and thoroughly.On a side note, Christopher Terry is one of the most benevolent and philanthropic men I’ve ever met, and he does it without creating great publicity or accolades for his generosity. He believes very strongly in the idea that “it is in giving that you shall receive.” I am honored to know him and very glad we have gone into business together.So there you have it. Christopher Terry’s story and his tips for helping you create success in your own network marketing company. If you want have any questions or want to learn more, please email me at [email protected].

There are probably many reasons you’re not earning profits, but I bet I know a key reason that might be keeping you down.Many people say this letter certainly opened their eyes.Does watching the same group of markers raking in wagon-fulls of cash make you want to give-up and throw your computer out the window? Frustrating, isn’t it? But don’t give up yet!I want to share a few things that may blow your mind with excitement, however many things could make blood squirt from your eye balls.It seems millions of people all over the world have a desire to earn a living by simply clicking a few buttons on their computer. As PT Barnum once said, “There’s a sucker born every minute” and thus an uninformed public is susceptible to deceit and trickery. In other words… buyer beware.I’m the true definition of a “renegade”. I broke out from the “cult” of Guru groupies and I’m telling you how it really is. It’s about time you knew. “The Ugly Truth”There is one particular fact that is painfully TRUE……You’ve been conned, scammed and screwed by nearly all the Internet Marketing coaching Gurus on the planet (or I call most of them HOGS!).Let me ask you a question. Have any of these fancy rich HOGS made you wealthy yet? I hope so, but I sincerely doubt it!Listen up! I research lots of marketing online forums and I travel all over the country. I meet hundreds of people at Internet Marketing seminars. The point is this; I have yet to meet a single person who has created any great wealth by ordering just “one” course or by using most of the Guru’s products or by attending an Internet Marketing seminar.Oh sure, some people may say, “He’s great, I got “some” content from him.” Others might say, “He’s so funny, he can really tell a good joke.” But that’s about it. I’ve never met anyone who said a particular Guru or any pack of Gurus made him rich really quick!Yes, I call it like I see it because I want you to know I’m real, just like you.And I must warn you – this stuff is going to upset a lot of people. It’s going to make others downright angry…But the only thing that’s for sure is that what I’m about to reveal will change the Internet Marketing community FOREVER.If you could spy on the Gurus and discover their secret marketing tricks that would help you and your friends excel faster and easier – would you do it? Well, that’s exactly how this whole thing started and I haven’t stopped. I don’t really see any end to all the “real” secrets I will be collecting for myself and my friends. My spy-work really works for all the right reasons.If you want to get to the end of the Internet Marketing maze and find that treasure chest? You’ll need an experienced guide who knows how to get YOU there.This is all YOU need to make money online: It’s simple, right?
*Get a domain and a host.
*Choose a product.
*Drive traffic to your link or website.
*Collect the money.If it’s this easy, then why do you suppose thousands upon thousands of people combined spend MILLIONS OF DOLLARS on Internet Marketing e-books, courses and seminars but almost never earn a penny?Second, would you agree the more you know about your business or industry – the more money you will earn? This is common sense and I’m thinking you will agree the answer is an astounding YES. This letter is meant to open your eyes.According To A Recent Business Survey – A Whopping 91% of Marketers Who Tried To Earn Money Online Last Year DID NOT Earn A Penny! Why?
Here’s Some Popular Reasons:#1 Procrastination
#2 Lack of Online Marketing Knowledge or simple tech knowledge.
#3 Became confused with overload of Internet Marketing information.
#4 Received Wrong or Out-Dated Marketing Info.
#5 Never learned exactly what to do to earn a profit.
#6 Lack support/consistent up-dated knowledge from trusted marketing friends.
#7 Quit and went broke due to high cost of IM educational products.There are many reasons for not succeeding. Obviously you want more freedom and you want to live an honest life you enjoy, right? If you’re like me, you want to have fun while you’re making money too, right? You want to feel good about your business. I want you to discover true broke-busting strategies. You can go from zero to hero when you learn the right stuff. My private inner circle of friends get real-life strategies that work.I bet you’re also sick and tired of all the Bull Crap and big money hype you read and hear from some of those Internet Marketing Gurus. Frustration can cause fear and fear causes lack of hope.Beware: Most people are conned by the very same people they trust and “like”.Don’t be fooled anymore! They apparently want you to think the Internet is highly complicated because it evidently justifies their high priced e-books, outrageously high priced courses, e-books and outrageously high priced seminars!Step-by-step process the Gurus teach over and over and over.1. Find a product or service to sell. Either promote other products or create your own.2. Get a domain – Build a 4-5 page website or hire someone to do it. Link merchant account.3. Create ‘good’ copy and all the converting elements to the website. Turn visitors to buyers.4. Get a host. Advertise or promote your website to potential buyers.5. Track your promotions. Collect your money and deposit it into your bank account.Now, this doesn’t sound very difficult does it? Well, it really is this simple. All the expensive Internet Marketing e-books, courses and seminars mostly provide information concerning one or more topics surrounding the above components in some form or another.10 Key Ingredients Successful People Have In Common:1. Associate with those who believe in you and your ideas.2. Find the right mentor(s).3. Associate with those who know more than you in your field of interest.4. Stay consistent and persistent until your goals are achieved.5. Refrain from over-indulging in mind altering chemicals.6. Find a daily exercise you enjoy doing.7. Take care of your health by eating right and take daily nutrients.8. Laugh every day. Count at least 5 daily blessings at the end of each day.9. Read and learn something new about your business every day.10. Read or listen to something inspirational or motivational every day.What type of power-group do beginners or frustrated struggling Internet Marketers use?
Bad News! Most struggling Internet Marketers DO NOT have a power group. Some marketers join little marketing clubs; they take a chance and purchase e-books and they visit marketing forums, etc. Bottom line is this: Most marketers stumble around and do the best they can.Fact: You will succeed faster and easier when you associate with those with like-minds whom share the same ideals and mindset.The BIG Myth! “Internet Marketing is Easy and You can Master it ALL in ONE day!”
First of all that’s a BIG lie! Good news – it’s not as tough as you might think.I have no way of knowing your level of Internet Marketing experience. So, I try not to use advanced marketing terms. I try to keep it simple. Internet Marketing is a completely different “flavor” than real world marketing.When “Joe” establishes his hardware store in the strip mall near your house, then he usually utilizes a different set of marketing and advertising principles. An online business succeeds by utilizing Internet Marketing tactics and strategies. With that said; Some online businesses can still use real world marketing in order to attract prospects and some real world businesses are also utilizing the internet to attract local prospects.”Joe” can also utilize Internet Marketing to promote his neighborhood hardware store if he knew a few of the secrets.There are many aspects of Internet Marketing. There are a variety of methods that can be utilized to help direct prospects to a website. You will not become proficient at using any of them overnight. Don’t let anyone fool you.Let’s say it takes 10 “focused” hours to get proficient at any one method. If there are 12 methods, then it may require 120 focused hours of practice. Most Internet Marketing is usually done every day or at least a few times per week. Either you must perform most of the traffic methods yourself or hire it done once you can afford it. It sounds harder than what it is… don’t worry about it. It will all become crystal clear very soon.Good News: In my opinion, you may not get rich over- night, but the INTERNET is still the best way to earn profits and the best way to become financially independent. If you’re going to spend time learning Internet Marketing, then it’s imperative you learn the correct updated methods as to not waste your time and money.The faster you learn the strategies the faster you earn a decent income. Thousands of people are floundering for many reasons with their home-based Internet businesses – one big reason is they simply don’t know what to do or how to do it and many times they use bad advice. My private inner circle receives the best sources.Are You Allowing The Gurus To Steal Money From You….Want to beat the gurus at their own game?As an affiliate marketer, you may or may not realize that while you are earning commissions from selling certain products, the gurus who’s product you promote are also earning profits. You are sending traffic to their websites, right? What you probably are not aware is this; You’re actually assisting the gurus’ build their prospect list and their buyers list!You are actually finding prime prospects and customers and handing them over, and the gurus are selling to them again and again (sale after sale), long after you’re forgotten and moved on. If you know how, you can earn commissions plus help build your own business at the same time. Stop allowing the HOGS to steal money from you.But what if YOU could turn the tables and keep all those repeat sales yourself?There is a new secret technique I have never seen used before that does exactly that for you…it’s brilliant and NO affiliate marketer should be without it. My private inner circle knows this secret. I want you to know it too.Listen up. The FIX is in! A Guru secret you didn’t know existed.Naturally, most of the big product launch Gurus are in total communication with each other and usually schedule their product launches on dates that won’t overlap their buddy’s product launch. Some of these guys are part of a private “buddy” club that dominates a large part of the Internet Marketing community.They are very careful about scheduling product launches as NOT to step on each other’s toes. Then in between their product launches they promote other company products for big commissions.It’s beneficial because they can promote their product plus promote each other’s product using their own list; thus suck even more money from the flock. Make sense? They systematically suck as much cash from the FLOCK as humanly possible and on a consistent basis. Are you mad yet?All of these marketing campaigns are not random events – it’s all carefully planned and choreographed as much as possible.Flock = desperate “unsuspecting” Internet Marketing Dreamers.If you’ve not been living in a cave, then you’ve obviously noticed what the “Gurus” and their followers are calling such events; PRODUCT LAUNCHES, right? This method the Gurus (Hogs) use is really not a new trick – it’s been around for years in other aspects of business.This is how it works. An alliance of several “Gurus” are formed – all with massive lists. These massive lists will hold millions of serious buyers of Internet Marketing products. In certain circles this would be called an industry MONOPOLY – and it could be deemed as unfair, unethical and possibly illegal.Does the term “Birds of feather flock together” sound familiar?Ever wonder why most of the large launch products (courses) are priced the same? Usually about $1,997. Could this be price fixing? hmmmm… let’s not think evil thoughts here. (smile) Magical, huh? Coincidental?No matter what you think… it is quite ingenious, don’t you think?Again, there is nothing wrong with earning profits, but when is enough – enough? The flock becomes nothing but useful paying idiots to the Gurus. Sure, the Gurus say they appreciate their “sheep-like” customers – but do they really? I mean does “he” really care if you build a multi-million dollar business like his? hmmmm… I think not.I don’t have the power to stop the gravy train for the HOGS – and I wouldn’t want to, but I can at least warn people before they fall prey to their traps. Most of these HOGS quickly gouge unsuspecting prospects because they do not know how long the people (sheep) will buy into their Bull Crap.So, their concept is; Strike fast and strike often – Strike while the iron is HOT!! Have you noticed all the product launches within one particular Guru “buddy” club? Every 3rd or 4th week another Guru or some HOG launches a new product?Let me ask you a question. Have any of these fancy rich slobbering HOGS made YOU wealthy yet? I hope so, but I doubt it!I don’t mean to keep rubbing this in your face because I know you’re probably very upset not earning all the big money you’ve been promised. You have a right to be mad.Here’s a helpful hint…NOTE: This is a secret you must know: Peek under the hood of other super affiliate pages to find out what’s working before you go live. Steal the best headlines and keywords to guarantee high commissions. Why do all the expensive testing – it’s already been done.Let’s Get Real… Here’s the bold truth!How Do The Hogs Wildly Succeed And Why Do They Never Want You to Succeed or At Least NOT Very Quickly?”Are you sick and tired of hearing how “easy” it is to make MEGA bucks online, but can’t find anyone to tell you EXACTLY how to do it?Well, there is a reason for this. Think about it. You’re being piece mealed to death! If enough of the “students” really learned all the true secrets or the exact keys that opens the doors to success, then the Hogs would create too much competition too quickly plus Internet Marketing coaching “HOGS” would earn less money in the long run.Their income would have to depend on nothing but unsuspecting newbies who accidentally stumble into their web? Make sense? THEY MUST STRING YOU ALONG FOR A YEAR OR TWO.The Gurus must always leave you wanting more!The Gurus and HOGS request hundreds sometimes thousands of dollars for their “can’t live without” Internet Marketing courses – within the course they give you just enough information so you can make another small step, then about two weeks later his buddy, who is also a HOG, launches his “can’t succeed without” Internet Marketing product – he enthusiastically throws you a few bones of content and you’re still left NOT knowing exactly what to do next, but you did inch forward so you’re happy but still earning less than a homeless man.Does this all sound familiar? I’m sure it does!Discover more about the “The Ugly Truth” – a free report. I reveal behind the scene tactics that are seldom talked about.

During this century, technology has its top place since people always try to seek for better technology support for their lives. Technology has been used to make the life of people become simpler and easier. Time, money and efforts have been devoted to invent new and higher level of technology. This technology enables people to do lots of outstanding achievement such as flying to the moon and discovering new star on the sky. However, there are two different opinions about technology. One side says that technology is the best tool to create simpler and easier lives while another side says that technology is harmful for the environment. In fact, those two different opinions are just to be true. Technology can be helpful but harmful at the other side.As an answer of these two different opinions, there is a huge need of green technology or environmental technology. Green technology here means technology which is able to conserve natural environment and resources. Green technology makes people’s lives simpler and easier without providing harmful effect to the people and their surrounding environment. Green technology helps to reduce the effect of prior technology that has made the environment damaged or destructed. This technology repairs the damaged part of nature. Green technology also helps people to maintain and preserve the environment such as purifying water needed in rural areas. Moreover, green technology is also meaningful to absorb the chemical toxic in the air which results in better air for people.Knowing the facts that green technology is very helpful for people’s life, individuals and companies have sought many ways to use this technology wisely. The problem about energy which is limited has always become the problem of every person in every year. Therefore, people now think that green technology [http://www.letmegreen.com/category/green-office] will help people reducing the consumption of energy itself so that they can be economical on energy consumption. Most companies seek for this kind of technology in order to minimize the budget spent for technology and also to provide better working environment for the workers. This will help the company a lot to be sustainable in this global financial crisis. That is why the companies and individuals try to find best application that can reduce the energy consumption. The use of green technology is believed as the best and only way to overcome energy crisis lately. It is also provides simpler application. Now, it is your own choice whether you want to take the complex and difficult technology or green technology which is proven to be less energy consumption.

Communication is critical to continued human development throughout our life span. It is what allows us to share thoughts, feelings, wonderings, and knowledge with others. Whether you are a verbal or nonverbal communicator, the vast majority of communication we do is through nonverbal channels.So if nonverbal communication makes up a substantial portion of our communicative experience, what does it involve? Many of us associate facial expression and gestures with nonverbal communication, but these are not the only two types involved. There are, in fact, eight different types of nonverbal communication:

Facial Expression This makes up the largest proportion of nonverbal communication. Large amounts of information can be conveyed through a smile or frown. The facial expressions for happiness, sadness, anger, and fear are similar across cultures throughout the world.
Gestures Common gestures include pointing, waving, and using fingers to indicate number amounts.
Paralinguistics This includes factors such as tone of voice, loudness, inflection, and pitch. Tone of voice can be powerful. The same sentence said in different tones can convey different messages. A strong tone of voice may indicate approval or enthusiasm, whereas the same sentence said with a hesitant tone of voice may convey disapproval or lack of interest.
Body Language and Posture A person’s posture and movement can also convey a great deal of information. Arm crossing or leg-crossing conveys different meanings depending on the context and the person interpreting them. Body language is very subtle, and may not be very definitive.
Proxemics This refers to personal space. The amount of space a person requires depends on each individual’s preference, but also depends on the situation and other people involved in the situation.
Eye Gaze Looking, staring, and blinking are all considered types of eye gaze. Looking at another person can indicate a range of emotions including hostility, interest, or attraction.
Haptics This refers to communicating through touch. Haptics is especially important in infancy and early childhood.
Appearance Our choice of color, clothing, hairstyles, and other factors affecting our appearance are considered a means of nonverbal communication.
By the time most children are one year old, they are experts in nonverbal communication. They have spent the whole first year of their lives making their wants and needs known, as well as sharing their experiences through nonverbal channels. Around the time of their first birthday, they add the next layer to their dynamic communication repertoire with the verbal piece. Even with the addition of verbal communication, nonverbal expression continues to be the main mode of communication for children as they add more and more words to their vocabulary. Even after children are talking in sentences, nonverbal communication continues to add meaning and structure to the messages being sent and received.This use and understanding of nonverbal communication becomes automatic for ‘neuro-typical’ children. It is so automatic that many of us are completely unaware that we employ facial expressions and gestures, or that we are using this information to enhance the words we are hearing from our communication partner. We continue to use this mode of communication throughout life.Think about the word “no,” which can be interpreted in many different ways depending on the nonverbal communication that is being conveyed along with the word. If we say “noooo” with a wrinkled nose and a questioning tone or funny voice, this could convey that we are unsure or don’t really believe what we are hearing. If we hear someone say “NO!” with a loud, or harsh voice, we can interpret that they person is angry or wants an action to be terminated. If someone asks you if you would like a drink, you may answer with “no”; but your tone of voice will most likely be even with little inflection, and your face may just be neutral. In each of these examples the person was saying “no,” but there were three different meanings being conveyed. Without nonverbal communication, it would be difficult to know how to interpret the word.Many children with autism spectrum disorders have difficulty interpreting multiple modes of communication, and because of this they often miss the nonverbal communication piece that allows accurate interpretation of what is said. In the examples provided above, most children with autism spectrum disorders would only hear the word “no” but miss the nonverbal pieces which help to interpret which “no” is being communicated. This misinterpretation can lead to frustration on the part of both the communicator and the child who is struggling to understand what is happening. At other times, the child may interpret a facial expression, tone of voice, or gesture but not hear the words that went with the nonverbal, which again results in miscommunication. These breakdowns make it difficult for the child to make sense of his/her world.Working to improve the use and understanding of nonverbal communication is essential for a person with an autism spectrum or neurological disorder. In most cases, working to improve nonverbal communication is the best place to begin improving communication abilities. Expanding the ability to use and understand nonverbal communication provides the necessary foundation for building meaningful dynamic communication. Just as a neuro-typical infant begins by communicating nonverbally, going back and teaching this mode of communication for children who may have missed this step is the foundation for productive communication throughout life.Teaching nonverbal communication should be done in a natural way that makes sense for each individual child. Telling a child, “look at my face,” or showing a child several pictures of people’s faces and having him/her identify the emotions he sees is not a natural way to work on nonverbal communication. Spending time doing activities with the child where the adult uses very little verbal communication, but is communicating through nonverbal channels, is an effective way to begin introducing nonverbal communication. Playing games where you have changed the rules slightly so as to use only nonverbal communication can also be a fun and more natural way of working on nonverbal communication. For example, you might play Simon Says, using a made up signal for when Simon says to do something. Playing charades can also be a fun way to work on nonverbal communication in a natural context. Take a walk with your child; but instead of saying, “hey look at that dog,” you might pause, point and vocalize, “oh” with a rising inflection to draw attention. There are many ways to work on nonverbal communication that can be explored and used to build this critical foundational piece of communication.

The Enterprise Investment Scheme (EIS) has been designed by the UK Government to encourage private investment into small, high risk trading companies by offering a range of tax incentives.Providing the underlying investments made by the EIS are held for at least three years (for Income Tax relief and tax free growth), the current tax reliefs available for UK investors are:30% upfront Income Tax relief up to maximum investment of £1 million, which can be carried back to the previous tax year100% Inheritance Tax relief (provided the investments have been held for at least 2 years at time of death)Capital gains tax deferral for the life of the investmentTax-free growthTax relief from investment lossesIf you are looking to invest across a range of EIS managers and would like a simple way of administering your investments, the scheme has been designed with you in mind.EIS may be right for you if any of the following statements apply:· You have significant savings and want to diversify your investments while benefiting from the tax incentives· You are keen to benefit from the growth potential offered by investment in smaller companies· You would like to reduce the potential Inheritance Tax due on your estate· You would like to reduce your Income Tax liability· You want to defer a capital gain· You have a significant pension fund but are now exposed to the Annual Pension and/or Lifetime Allowance· You have elected for Pension Enhanced Protection or Fixed Protection· You want a tax efficient savings vehicle without the restrictions attached to pensions· You are a UK resident non domicile and would like to remit overseas income and capital gains tax freeWe believe that EIS/SEIS portfolios are the investment of choice if you want to make larger contributions to fund your retirement in a tax efficient manner.However, the tax benefits of investing should be your secondary and not primary reason for investing. EIS (and SEIS) is designed to provide an excellent investment opportunity in its own right.Direct Application:Investors can choose to invest via an offer to purchase new shares directly into an EIS qualifying company. The biggest benefit of this option is that the investor has direct control over the investment. However, not many people have the skills needed to carry out the necessary due diligence needed and the lack of thorough due diligence carries exceptionally high risk.Investors who are seeking a more diverse portfolio may find this investment option a little less attractive as “all their eggs will be in one basket”. Additionally, the same benefit (more control) can also be a drawback as investors will not have the benefits of working with professional advisers.A discretionary service:This option allows investors to invest their EIS/SEIS money through a discretionary manager. For most investors the attractive aspect of this option is access to professional advice and information via trained and qualified personnel and recommended by a financial adviser. An adviser will likely simplify the investment process by handling special paperwork and dealing with other details.However, as with a direct investment, the client is likely to be invested in a small number of companies and very exposed to the fluctuation in valuationA platform:You can use a platform offering EIS/SEIS solutions for EIS/SEIS investors, helping to simplify the EIS investment process. From those looking at longer term investment (perhaps for those considering inheritance tax (IHT)) to those looking for more “asset focused” investments, to those considering Seed EIS investment.With the availability of a wide range of managers, clients and advisers can significantly reduce risk with greater diversification all within one application form.