Affiliate marketing do you have what it takes to be successful

The truth is that 99% of all affiliates make less than $100 a month, while the other 1% earn staggering incomes from affiliate marketing. The difference lies in the way these two groups perceive affiliate marketing as a business model. Those who make good money view it as a real business, while others see it as a "get-rich-quick" scheme and consequently, never make any money. Much of your success will depend on your attitude and your ability to stay focused and not give in to fears of failure. Failure can not be an option.

You have to visualize and expect success. Otherwise, it may never materialize. If you can answer "Yes" to the following questions, then you have what it takes to be a successful affiliate marketer: * Do you have the patience and persistence required to build an affiliate business? * Can you accept the fact that you will make mistakes and may even lose money at first? * Do you understand that it takes time to build a real business and you will not get rich overnight? * Are you willing to invest time into your continuing education? * Are you willing to invest time and money into advertising and tools to build your affiliate business? You can make an absolute killing in affiliate marketing, but it will take some work. And if you're just starting out, you have a lot to learn. But as your knowledge and skills increase, so will your income. You will almost certainly make mistakes along the way, but you can't give up. Just learn from your mistakes and move on. Right now, you have two choices: 1. You can take the plunge and start building a real business online... Or 2. You can keep looking for that "magic bullet" that will make you rich overnight without you lifting a finger. Unless you win the lottery, there is no legal business model that will make rich overnight. If you find one, let me know... Think about this: if you had started three months ago, what would your monthly income be right now? What will it be three months from now?



Online Affiliate marketing do you have what it takes to be successful

Overview of an affiliate marketing program

An affiliate marketing program is a revenue-sharing marketing strategy where a merchant pays their affiliates a commission for referring business to their website. The webmaster signs up as an affiliate in the affiliate marketing program and gets a login id. He then collects information about the marketing material for the affiliate marketing program and uses it on his web site as banners, ad - links and search boxes. If a visitor to the website is interested in one of the affiliate marketing program links then he clicks the referred link and purchases the product. The marketer identifies that the particular sale has been through the affiliate marketing program, and he pays the affiliate his commission. By having an affiliate marketing program the owner does not pay for expensive advertising but pays when a sale, lead or subscription action occurs. There are numerous benefits that an affiliate marketing program has to a marketer. Affiliate marketing programs have become one of the easiest way to advertise the products in the market.

An agreement is formed between the website owner or affiliate and the merchant. The website owner allows the merchant to promote his product through his site and the merchant pays the affiliate commission for the sales generated through these sites via the affiliate marketing program. Affiliate marketing programs are a cost effective medium to provide brand awareness. It also provides a wider market for the merchant. The marketer gets a chance to identify new markets which he might not have thought of without the affiliate marketing program. Affiliate marketing programs have beaten the traditional advertising techniques by giving maximum exposure world wide. The affiliates can introduce the products and services to the niche markets which have been neglected and thus boost the business of the marketer. There is affiliate marketing program software called Affiliate Network Pro which enables a person to start his own affiliate program.

There are many features including multi-language, instant payment module, affiliate directory,, sales reports, anti fraud blocking, email messages and reminders etc. Financial affiliate marketing programs are also available which provide facilities such as auto loans, debt recovery and settlement programs, and the best converting payday loans. Affiliate marketing programs are not just for customers, but it also provides a strategy for development of business to business partners. Here the merchant and the affiliate become partners. If a person owns a website, sells his products through the site, and if he pays other website owners, or bloggers for sending customers to his site, then he becomes the marketer. If you have a website and direct surfers to various merchants for services and products through blogs, or e-mail links then you become the affiliate. There are several merchants who are affiliates too. They have their own affiliate marketing program, receive traffic from other affiliates and they also direct traffic to other merchants in return for commission.



Online Overview of an affiliate marketing program

Quick and simple instructions on using a car battery charger

I am sure everyone at one time or the other has left the head lights or some other electrical device on and drained your car battery. You may not need to run out and purchase a new battery. A car battery charger can save the day. They are relatively simple to use and operate. Just follow these simple steps and soon your car will back to normal. 1) First, remove the battery cables from the terminal posts. Remember to remove the (-) negative cable first. (This cable is usually black) and then the (+) positive cable. Don’t forget that all your stereo settings will probably be lost when the power is cut off. 2) Now you are ready to hook up the car battery charger to your car. But first, read the owner’s manual and insure that the model charger you are using is suitable for your car. Now, hook the (+) positive cable (red) to the positive terminal and then the (-) negative cable (black) to the negative terminal. 3) Now plug in your car battery charger and switch it on. Al light or some other indicator should turn on. (Consult your owner’s manual) 4) Wait for another indicator to come on to show that the charge is complete. Remove the cables starting with the (-) negative cable (black) first and reconnect your battery. If your car still fails to crank up, you may have to purchase a new battery or there may be a more serious problem.



Online Quick and simple instructions on using a car battery charger

Good deals on supplies for babies

New parents and those who are soon to become parents are often shocked by all the things that are needed for babies. There is so much stuff out there that they recommend babies have that it seems one could go broke in the process. It is true that you will be a lot of stuff to care for your new baby but it doesn't have to cost as much money as you think. You can find all of the stuff that you need at prices significantly below typical retail. Consignment Baby Shops A great place to go shopping for stuff for babies is local consignment stores. There are a variety of popular chains as well as other locally owned shops. These stores carry used products at prices sometimes well below retail. You can find baby clothes, cribs, strollers, diaper bags, bouncy seats, and much more at consignment shops for babies. Be careful though as sometimes these items will be priced as high as they would be brand new. Comparison shop and keep an eye out for good deals. Discount Internet Stores You can often find good deals on baby stuff through Internet stores which can sell for much lower prices than traditional brick and mortar stores because they have less overhead. Many people are afraid to buy products online because of security issues. This is really not concern anymore if a few precautions are taken. Review the site where you like to do business carefully. Take a look at their customer service and return policies. Make sure that you're comfortable with doing business there. Always use a major credit card for all Internet purchases. By using a credit card you are protected if your card should become compromised anyway. Most credit card companies will not hold you liable for any charges that result from fraud. Online Auctions Did you know that you can also buy products for babies at a variety of online auctions? Online auctions are quickly becoming one of the most popular avenues for shopping online. You can buy everything from diaper bags to bouncy seats at online auctions. This is another area where you want to protect yourself by taking a few precautions. Make sure that the seller you buy from has good ratings from prior customers and an established track record. It doesn't have to cost a lot to find great deals on products for babies.



Online Good deals on supplies for babies

Rolling over futures positions

Futures positions in Indian Markets need be closed on the last Thursday of every month or the expiry month. Incase of a holiday on the last Thursday the preceding day would be taken as the closing day. Current Month Futures being the most active we generally take positions in these. Now rolling over these positions need be done incase we need to carry the position for some more time. As there would be a difference in premium or discount for the current month to the next month futures we would need to be careful and a proper strategy need be employed. It would be ideal to shift positions 0-3 days in advance. Long Positions At Premium : Incase say we are holding Satyam Current Month Futures and the price is 400.00 & Spot price is at 398.00 and next month futures is at 402.00. We need to to watch the intraday trend. Incase it is up we Buy the next month futures say at 402.00 and wait for the up move to generate 2.00 (Or the Difference between the Two) + the commissions payable. Say the commission’s payable on both closing current month futures & entering next months futures is 0.25+0.25 i. e 0.50. We look at closing the current month’s futures position at 402.50. Incase the trend is down we shall sell the current month futures at 400.00 and wait for the down move to go down by 2.00 (Or the Difference between the Two) + the commissions payable. With the same example above we shall enter at 399.50 in the next month’s futures. At Discount : Incase say we are holding Satyam Current Month Futures and the price is 400.00 & Spot price is at 401.00 and next month futures is at 399.50. Say the commission’s payable on both closing current month futures & entering next months futures is 0.25+0.25 i. e. 0.50. We just close current month futures at 400.00 and enter next month futures at 399.50. Short Positions At Premium : Incase say we are holding Satyam Current Month Futures and the price is 400.00 & Spot price is at 399.00 and next month futures is at 400.50. Say the commission’s payable on both closing current month futures & entering next months futures is 0.25+0.25 i. e. 0.50. We just close current month futures at 400.00 and enter next month futures at 400.50. At Discount : Incase say we are holding Satyam Current Month Futures and the price is 400.00 & Spot price is at 402.00 and next month futures is at 398.00. We need to to watch the intraday trend. Incase it is up we close the current month futures say at 400.00 and wait for the up move to generate 2.00 (Or the Difference between the Two) + the commissions payable. Say the commission’s payable on both closing current month futures & entering next months futures is 0.25+0.25 i. e 0.50. We look at entering the nextt month’s futures position at 400.50. Incase the trend is down we shall sell the next month futures at 398.00 and wait for the down move to go down by 2.00 (Or the Difference between the Two) + the commissions payable. With the same example above we shall close the current month futures at 397.50 in the current month’s futures. Further Ideas Enter next months position 1-2 days in advance. Close current month on 1 day before or on closing day. This is especially true when strong trends are in progress. Enter two or more positions in next month futures for intraday and close the surplus positions so as to get a better average price covering the difference in current & next month futures and the commission’s applicable. This was written based on Indian Markets where Futures Contracts expire every month. Good Luck & Happy Trading.



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The revolt of the poor the demise of intellectual property

Three years ago I published a book of short stories in Israel. The publishing house belongs to Israel's leading (and exceedingly wealthy) newspaper. I signed a contract which stated that I am entitled to receive 8% of the income from the sales of the book after commissions payable to distributors, shops, etc. A few months later (1997), I won the coveted Prize of the Ministry of Education (for short prose). The prize money (a few thousand DMs) was snatched by the publishing house on the legal grounds that all the money generated by the book belongs to them because they own the copyright. In the mythology generated by capitalism to pacify the masses, the myth of intellectual property stands out. It goes like this : if the rights to intellectual property were not defined and enforced, commercial entrepreneurs would not have taken on the risks associated with publishing books, recording records, and preparing multimedia products. As a result, creative people will have suffered because they will have found no way to make their works accessible to the public. Ultimately, it is the public which pays the price of piracy, goes the refrain.

But this is factually untrue. In the USA there is a very limited group of authors who actually live by their pen. Only select musicians eke out a living from their noisy vocation (most of them rock stars who own their labels - George Michael had to fight Sony to do just that) and very few actors come close to deriving subsistence level income from their profession. All these can no longer be thought of as mostly creative people. Forced to defend their intellectual property rights and the interests of Big Money, Madonna, Michael Jackson, Schwarzenegger and Grisham are businessmen at least as much as they are artists. Economically and rationally, we should expect that the costlier a work of art is to produce and the narrower its market - the more emphasized its intellectual property rights.

Consider a publishing house. A book which costs 50,000 DM to produce with a potential audience of 1000 purchasers (certain academic texts are like this) - would have to be priced at a a minimum of 100 DM to recoup only the direct costs. If illegally copied (thereby shrinking the potential market as some people will prefer to buy the cheaper illegal copies) - its price would have to go up prohibitively to recoup costs, thus driving out potential buyers. The story is different if a book costs 10,000 DM to produce and is priced at 20 DM a copy with a potential readership of 1,000,000 readers. Piracy (illegal copying) should in this case be more readily tolerated as a marginal phenomenon.

This is the theory. But the facts are tellingly different. The less the cost of production (brought down by digital technologies) - the fiercer the battle against piracy. The bigger the market - the more pressure is applied to clamp down on samizdat entrepreneurs. Governments, from China to Macedonia, are introducing intellectual property laws (under pressure from rich world countries) and enforcing them belatedly. But where one factory is closed on shore (as has been the case in mainland China) - two sprout off shore (as is the case in Hong Kong and in Bulgaria).

But this defies logic : the market today is global, the costs of production are lower (with the exception of the music and film industries), the marketing channels more numerous (half of the income of movie studios emanates from video cassette sales), the speedy recouping of the investment virtually guaranteed. Moreover, piracy thrives in very poor markets in which the population would anyhow not have paid the legal price. The illegal product is inferior to the legal copy (it comes with no literature, warranties or support). So why should the big manufacturers, publishing houses, record companies, software companies and fashion houses worry? The answer lurks in history. Intellectual property is a relatively new notion. In the near past, no one considered knowledge or the fruits of creativity (art, design) as 'patentable', or as someone's 'property'. The artist was but a mere channel through which divine grace flowed.

Texts, discoveries, inventions, works of art and music, designs - all belonged to the community and could be replicated freely. True, the chosen ones, the conduits, were honoured but were rarely financially rewarded. They were commissioned to produce their works of art and were salaried, in most cases. Only with the advent of the Industrial Revolution were the embryonic precursors of intellectual property introduced but they were still limited to industrial designs and processes, mainly as embedded in machinery.

The patent was born. The more massive the market, the more sophisticated the sales and marketing techniques, the bigger the financial stakes - the larger loomed the issue of intellectual property. It spread from machinery to designs, processes, books, newspapers, any printed matter, works of art and music, films (which, at their beginning were not considered art), software, software embedded in hardware, processes, business methods, and even unto genetic material. Intellectual property rights - despite their noble title - are less about the intellect and more about property. This is Big Money : the markets in intellectual property outweigh the total industrial production in the world. The aim is to secure a monopoly on a specific work. This is an especially grave matter in academic publishing where small - circulation magazines do not allow their content to be quoted or published even for non-commercial purposes. The monopolists of knowledge and intellectual products cannot allow competition anywhere in the world - because theirs is a world market. A pirate in Skopje is in direct competition with Bill Gates.

When he sells a pirated Microsoft product - he is depriving Microsoft not only of its income, but of a client (=future income), of its monopolistic status (cheap copies can be smuggled into other markets), and of its competition-deterring image (a major monopoly preserving asset). This is a threat which Microsoft cannot tolerate. Hence its efforts to eradicate piracy - successful in China and an utter failure in legally-relaxed Russia. But what Microsoft fails to understand is that the problem lies with its pricing policy - not with the pirates. When faced with a global marketplace, a company can adopt one of two policies: either to adjust the price of its products to a world average of purchasing power - or to use discretionary differential pricing (as pharmaceutical companies were forced to do in Brazil and South Africa). A Macedonian with an average monthly income of 160 USD clearly cannot afford to buy the Encyclopaedia Encarta Deluxe. In America, 50 USD is the income generated in 4 hours of an average job. In Macedonian terms, therefore, the Encarta is 20 times more expensive. Either the price should be lowered in the Macedonian market - or an average world price should be fixed which will reflect an average global purchasing power. Something must be done about it not only from the economic point of view.

Intellectual products are very price sensitive and highly elastic. Lower prices will be more than compensated for by a much higher sales volume. There is no other way to explain the pirate industries : evidently, at the right price a lot of people are willing to buy these products. High prices are an implicit trade-off favouring small, elite, select, rich world clientele.

This raises a moral issue : are the children of Macedonia less worthy of education and access to the latest in human knowledge and creation ? Two developments threaten the future of intellectual property rights. One is the Internet. Academics, fed up with the monopolistic practices of professional publications - already publish on the web in big numbers. I published a few book on the Internet and they can be freely downloaded by anyone who has a computer or a modem. The full text of electronic magazines, trade journals, billboards, professional publications, and thousands of books is available online.

Hackers even made sites available from which it is possible to download whole software and multimedia products. It is very easy and cheap to publish on the Internet, the barriers to entry are virtually nil. Web pages are hosted free of charge, and authoring and publishing software tools are incorporated in most word processors and browser applications. As the Internet acquires more impressive sound and video capabilities it will proceed to threaten the monopoly of the record companies, the movie studios and so on. The second development is also technological. The oft-vindicated Moore's law predicts the doubling of computer memory capacity every 18 months. But memory is only one aspect of computing power. Another is the rapid simultaneous advance on all technological fronts. Miniaturization and concurrent empowerment by software tools have made it possible for individuals to emulate much larger scale organizations successfully. A single person, sitting at home with 5000 USD worth of equipment can fully compete with the best products of the best printing houses anywhere. CD-ROMs can be written on, stamped and copied in house. A complete music studio with the latest in digital technology has been condensed to the dimensions of a single chip. This will lead to personal publishing, personal music recording, and the to the digitization of plastic art. But this is only one side of the story. The relative advantage of the intellectual property corporation does not consist exclusively in its technological prowess. Rather it lies in its vast pool of capital, its marketing clout, market positioning, sales organization, and distribution network. Nowadays, anyone can print a visually impressive book, using the above-mentioned cheap equipment. But in an age of information glut, it is the marketing, the media campaign, the distribution, and the sales that determine the economic outcome. This advantage, however, is also being eroded. First, there is a psychological shift, a reaction to the commercialization of intellect and spirit. Creative people are repelled by what they regard as an oligarchic establishment of institutionalized, lowest common denominator art and they are fighting back. Secondly, the Internet is a huge (200 million people), truly cosmopolitan market, with its own marketing channels freely available to all. Even by default, with a minimum investment, the likelihood of being seen by surprisingly large numbers of consumers is high. I published one book the traditional way - and another on the Internet. In 50 months, I have received 6500 written responses regarding my electronic book. Well over 500,000 people read it (my Link Exchange meter registered c. 2,000,000 impressions since November 1998). It is a textbook (in psychopathology) - and 500,000 readers is a lot for this kind of publication. I am so satisfied that I am not sure that I will ever consider a traditional publisher again. Indeed, my last book was published in the very same way. The demise of intellectual property has lately become abundantly clear. The old intellectual property industries are fighting tooth and nail to preserve their monopolies (patents, trademarks, copyright) and their cost advantages in manufacturing and marketing. But they are faced with three inexorable processes which are likely to render their efforts vain: The Newspaper Packaging Print newspapers offer package deals of cheap content subsidized by advertising. In other words, the advertisers pay for content formation and generation and the reader has no choice but be exposed to commercial messages as he or she studies the content. This model - adopted earlier by radio and television - rules the internet now and will rule the wireless internet in the future. Content will be made available free of all pecuniary charges. The consumer will pay by providing his personal data (demographic data, consumption patterns and preferences and so on) and by being exposed to advertising. Subscription based models are bound to fail. Thus, content creators will benefit only by sharing in the advertising cake. They will find it increasingly difficult to implement the old models of royalties paid for access or of ownership of intellectual property. Disintermediation A lot of ink has been spilt regarding this important trend. The removal of layers of brokering and intermediation - mainly on the manufacturing and marketing levels - is a historic development (though the continuation of a long term trend). Consider music for instance. Streaming audio on the internet or downloadable MP3 files will render the CD obsolete. The internet also provides a venue for the marketing of niche products and reduces the barriers to entry previously imposed by the need to engage in costly marketing ("branding") campaigns and manufacturing activities. This trend is also likely to restore the balance between artist and the commercial exploiters of his product. The very definition of "artist" will expand to include all creative people. One will seek to distinguish oneself, to "brand" oneself and to auction off one's services, ideas, products, designs, experience, etc. This is a return to pre-industrial times when artisans ruled the economic scene. Work stability will vanish and work mobility will increase in a landscape of shifting allegiances, head hunting, remote collaboration and similar labour market trends. Market Fragmentation In a fragmented market with a myriad of mutually exclusive market niches, consumer preferences and marketing and sales channels - economies of scale in manufacturing and distribution are meaningless. Narrowcasting replaces broadcasting, mass customization replaces mass production, a network of shifting affiliations replaces the rigid owned-branch system. The decentralized, intrapreneurship-based corporation is a late response to these trends. The mega-corporation of the future is more likely to act as a collective of start-ups than as a homogeneous, uniform (and, to conspiracy theorists, sinister) juggernaut it once was.



Online The revolt of the poor the demise of intellectual property

Have you had a conversation of the heart with your doctor

It's time for women to start doing more of what they're already good at-talking. But even though most women think they have the gift of gab, there's always room for improvement. Especially when it comes to talking to your doctor about an issue close to your heart-heart health. A conversation of the heart may be one of the most important conversations you can have with your doctor. In fact, a good heart-to-heart may help prevent the number-one killer of women-heart disease. Because good communications with your doctor can be vital to your heart health, Bayer® Aspirin recently launched Conversations of the Heart™, a national educational program designed to help women talk to their doctors about heart disease and improve their heart health.

Just as there are different personality types, every woman has her own unique approach to solving problems that influences how she seeks and processes information or advice about her health. Some women need detailed information to take action, while others are instinctively geared to follow their doctor's advice once provided with the rationale. Some just want the bottom line to better health and others need a hands-on demonstration before deciding to implement change. Which type are you? To help you find out, Bayer Aspirin has partnered with Kathy Kolbe to develop the Conversations of the Heart™ Health MO+™, an engaging Web-based resource powered by the Kolbe A™ Index that helps you discover and evaluate your problem-solving instincts and then offers concrete steps to improve communication with your doctor. All you have to do is take a short questionnaire to determine how you respond to a variety of situations and you'll get personalized feedback, based on how you take action, including a customized report and audio discussion that will help make the most out of your next doctor visit. The Health MO+ provides results that help women discuss potential prevention strategies every woman should discuss with her doctor, including aspirin, a simple, cost-effective and highly effective drug in the fight against heart disease. For example, after accessing the Health MO+, a woman who needs a lot of facts and details in order to make a decision will learn how to use this instinct to her advantage. She will be given tips on how to effectively communicate to her doctor the information needed to determine what prevention strategies are right for her such as diet, exercise and aspirin therapy. These tips may include: • Make a list of questions you have and bring it with you. • Ask your doctor to be as specific as possible and to explain your situation to you. • Let the doctor know that you need to form your own opinions based on all the facts. • Visit Web sites such as ConversationsoftheHeart2006.com to gather supporting information. Having the right tips and resources on hand can make all the difference when it comes to making the most of your doctor's visit. Once you've got what you need, have a Conversation of the Heart with your doctor.



Online Have you had a conversation of the heart with your doctor

What is a good credit score how can i raise mine

What is a good credit score? When you request a free copy of your credit report, you will find a score assigned to your credit history. This score will determine whether or not creditors will grant you the loan or credit that you want because it gives them an idea of your risk to repay. Generally, the answer to the question “what is a good credit score?” is the higher the better. Once you have your credit report in your hands your first question should be “What is a good credit score and what is my credit score?” Each credit bureau has its own method of computing the credit scores and by themselves they don’t really mean much.

When the score is combined with your credit history, creditors can see at a glance how much money you owe and whether or not you have a good score. The scores range from 350 to 650, so if you are in the lower end of the score, then you will probably start to wonder “how can I raise my credit score?” Using the mortgage industry as an example, if you ask what is a good credit score, the answer will be close to 650. If you are a lot lower than that, your chances of getting a loan to buy a house may be slim. If you ask about improving your credit score, then you will find that counsellors will tell you to pay your bills on time and try to pay them off. The less bills you have, the greater your chances of getting the loan you want. You might not realize it, but applying too often for credit does affect your credit score. Your credit report contains the names of all the people who have requested your credit report, so having a long list of names in this section will not help you improve your credit score. Most consumers have the idea that when they ask what is a good credit score, they will find out that a lower number is better. You might also find that your score with one credit bureau is better than another depending on the creditors that deal with each one. Moving many times also affects your credit score. Even though you pay your bills on time and are able to manage another loan, you may have to ask yourself how can I raise my credit score. When creditors see a lot of addresses, they assume you have trouble paying the rent. When you ask what is a good credit score, you also need to ask what factors affect the credit score. When you scan the credit report to see what your credit score is, you also need to look at all the bills and the number of times you were late with the payments. The next time you request a credit report, you will be anxious to see the score and you won’t have to ask what is a good credit score. What is a good credit score? It’s all relative, but contrary to popular belief it is not “the lower the better”.



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Details of the citi premierpass card elite level application

The Citi PremierPass Card - Elite Level is for those with excellent credit who are interested in a reward card that can be used on any airline. Cardholders earn two points for every dollar that is spent at supermarkets, drugstores, gas stations, commuter transportation, and participating parking authorities. One point is earned for other purchases and every mile that is flown on any airline when the card is used to purchase the ticket. You can redeem your points for flights on any airline, gift certificate, merchandise, and statement credits by using the ThankYou Network. A cardholder can only earn 200,000 points annually (only 100,000 of these can be ThankYou Flight Points), and they will expire in three years if the account has been inactive during that time.

The card has a rather high annual fee of $75, but the interest rate is a rather low 13.99% variable on purchases with a minimum rate of 19.9% on cash advances based on the Prime Rate. During the first year, there is an introductory rate of 0% for balance transfers. After the introductory period, there is a 3% balance transfer fee with a minimum of $5 and maximum of $75. Cash advances are also assessed a 3% fee with a minimum of $5 being assessed. In addition to the rewards that are offered with this card, cardholders also receive other benefits such as travel accident insurance up to $1,000,000, insurance for a rental car, and other emergency assistance and travel services including unlimited companion travel. Those cardholders who will be able to take advantage of all of the reward programs as well as the additional services will benefit the most from having the Citi PremierPass Card - Elite Level. Some of the other benefits that come with this card include the following: • Solutions for identity theft • Protection services for fraud • Online access to your account • Reporting of a lost and stolen card • Emergency cash and card replacement • Automatic payment of your bill • Financial statement at year end upon request • Medical and legal referral services • Lack of cardholder liability for unauthorized transactions For those who travel on different airlines rather than the same one, this card with its benefits is quite attractive. The $75 annual fee is high but is offset by the other benefits that are offered with the card.



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The mentality of women in kazakhstan

: Kazakhstan is situated in Central Asia and borders on Russia and China. It’s a multi-cultural and multi-national state. One of the main and biggest cities in the country is Almaty. Tourists visiting this amazing city are amazed by its main heritage and possession – beautiful women of different ethnic backgrounds that honour and preserve their culture and traditions. It's important to know some historical facts as well. Kazakhstan during the centuries has been greatly influenced by diversity of Eastern and Western lifestyles, and two biggest in the country Muslim and Orthodox confessions. The state language here is considered to be Kazakh – one of the Turkic group tongues, though Russian is the language that is widely spoken and used by the population. Kazakh and Russian ethnic groups are definitely the majority. All other national minorities also have their firm positions in the state. According to the “Wall Street Journal” this country is an example of ethnic and religious tolerance throughout the whole Asian region.

Russian and Asiatic cultures have created a unique synthesis of being here. The ladies greatly influenced by diverse of ethnic colours are extremely attractive, unusual, smart and proactive. There is a common understanding of women in this area: European and Eastern types. Orient girls are well known for their mysterious look and men honouring; European background ladies - for their brightness and good treating of their husbands. All the ladies here are very well-mannered, charming and elegant; they all share their values and love secrets with each other. However, the most important is that they all are family focused from their childhood. For all of those girls, coming from ethnically different families one is unchangeable – traditionally their mothers raise them up keep telling that family is the most precious value in the world. That’s why all Russian girls make their best efforts and investments for the family creation. Western gentlemen coming to Kazakhstan and meeting the Russian girls for the first time can’t hide their amusement of how much sincere, kind, understanding and caring they are. The ladies here like to do things regarding housing with their own hands, no matter if they work or not. They pretty much like to raise their kids and cook for their husbands.

When talking about love, any of these sweet girls can tell you how much they are inspired to meet a man of their dream and fall in a greatest ever love with him! Some real stories happened to the guys kept them endlessly happy about meeting their online brides here, in girls’ home-town. The men had a chance to witness their ladies’ being in so usual and natural for them environment. Every man, after several months of correspondence with the one he finally found for love and family creation wants to see his future wife in everyday life. At the same time, he accounts to get some understanding of fiancee’s national roots, lifestyle of the country she grew up in, etc. Of course, such an approach to serious relationships is important. It’s a best way of acquaintance for a mixed couple, coming from different cultures and mentalities. The gentlemen who visit their brides before the marriage, after attending her home know what difficulties their Russian girl can face in his homeland. Of course, it’s easy to guess that their relationships can benefit a lot from such an experience. First of all it makes the couple closer spiritually, and secondly, it prevents men from any sort of misunderstanding and mistreating of their spouses. For this reason “Oksanalove” often hosts grooms in the agency’s Almaty branch. During such tours guys don’t stop getting excited and after, they just forget they had some doubts about the rightness of their choice. The most memorable examples of fiance hosting is still something amazing to talk about in the “Oksanalove” agency. It’s the stories about how guys were impressed by the hospitality of their future wives and how their brides even exceeded all of their expectations. They were completely puzzled by the fact that their fiancees can be so gorgeously beautiful and at the same time be just good housewives who cook, do the laundry, clean and take care of their men – simultaneously doing all these things. Usually, when guys come to Kazakhstan to see their Russian-speaking future wives, the girls go meeting them at the airport. This is what happened to one of Oksanalove's couple. When an American man came to Almaty for a face-to-face date with his bride. First of all, it’s worth mentioning that this girl lives in Karaganda – a northern Kazakhstan city, she also came to Almaty to meet her online groom. While waiting for a driver to pick her up from the apartment that was especially rented for the couple’s first date, she went shopping to get products for cooking. The bride was so keen by this; she so much wanted to make a surprise for her man that she forgot she may be late with her shower and other girl things. But Kazakhstan women are always lucky with this they can be inventive and get on well with everything. She made time to finish all the stuff and look fantastic, except of the fact that she didn’t manage to dry her beautiful long hair. She thought never mind and went out in a cold winter night to ride a car and meet her groom in the airport. Nobody has seen her so beautiful before that night when she dried her hair towards the heater in the driver’s car. When she told about her adventurous date preparation to her man he was just amazed and completely charmed! This wonderful and loving couple is very happy in their marriage. Another nice and pretty lady every single day has cooked delicious meals at her home and was bringing them to her future husband in his hotel room when he was on his tour to Almaty. Such attitude never leaves people indifferent. That’s for sure! The fact is that, in comparison with girls from such cosmopolitans as Moscow, Kiev or Odessa that usually loaded with foreigners, Almaty is not so popular among them due to its remote geographical position. Local girls are not really spoiled by attention of travelers and their exquisite treating. All of the Almaty girls who grew up under hot Almaty sun in a friendly and specific multi-cultural environment are warm, passionate and unique. They all look for someone to give all their love and care sharing with their values.



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Sciatica exercises an effective remedy for spine trouble

Sciatica refers to the pain caused by the compression or irritation in the nerves at the lower end of the spine. Sciatica is also known as radiculopathy, which refers to the extension of the spinal disc beyond the normal position, resulting in the pressure on the sciatic nerve. Such a condition can often result in pain in the back and legs. The best remedy for the treatment of this kind of pain is sciatica exercises. It is often believed that bed rest helps in such a condition. However, inactivity usually worsens the pain in sciatica patients. Lack of movement weakens the back muscles and the spinal structures, thus resulting in increased pressure on the back and consequently more pain. Sciatica exercises are very important for health and fitness of the human back and spine. Sciatica exercises focus on strengthening the abdominal and back muscles. These exercises include stretching, which helps in improving the flexibility of the back muscles, resulting in reduced pain.

Doctors recommend different exercises for sciatica patients, depending on the cause of sciatica, which can also occur due to serious medical conditions such as an infection or tumor. One has to do these exercises regularly and in a proper manner in order to derive maximum benefit. Exercising regularly not only helps in the treatment of sciatica-related pain, but also helps in the prevention of any such problems in the future. The most common sciatica exercises that are recommended for the treatment of sciatica-related pain are the Hamstring stretching exercises. The hamstrings are the muscles located in the back of the thigh and help in bending the knee. You must also perform exercises to strengthen the abdominal muscles in order to get relief from the sciatica pain.



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Does spot reduction work for abs or doesn t

Burning fat from the abdomen through exercises specially destined to the abdominal muscles was, is and will always be one of the most resistant myths. Almost all the people with a big belly take up, with a lot of determination, sit-ups, crunches, side-bends, twists, etc., hoping that every new series or set of exercises, every session of repeating them, will help them get rid of the 'ring' of adipose tissue around their waist, also called 'the ring of death'. Besides the fact that it is probably the most anesthetic 'deposit' of adipose tissue, abdominal fat involves many risks for the health of the person which possesses it (related to diabetes, high blood pressure, cardio-vascular diseases, cancer, impotence, etc.). We must keep in mind, once and for all, that when we refer to the melting of the subcutaneous adipose tissue, there is no spot reduction. No matter how much we strive to locate effort in the areas we are focused on, we will only fortify the muscles under the fat, but the reduction of the fat itself will be insignificant. The explanation is simple and is connected to the energetic support of the anaerobic effort, which uses, for the exercises, muscular and hepatic glycogen, and not fat acids from the adipose tissue. For getting to the deposits of fat, what we need is cardio training (running, biking, fast walking, swimming, etc.).This type of exercises must be maintained for a long time (45-60 minutes) and they must be intense (60-70% from the maximum of heart rhythm). An alternative is cardio training with periods when intensity varies, although the total volume is not smaller than in the case of uniformly cardio training. A very important role in burning fat is held by the diet. It is said that the most effective of training can be sabotaged in the kitchen. The nutritionists say that a diet which maintains caloric deficit, but keeps a balanced proportion of the basic principles (proteins, lipids, blood sugar), with a slight increase of the protein part, will always have as a consequence losing weight. Physical exercises like sit-ups, crunches, etc., without other exercises meant to involve bigger groups of muscles (thighs, chest, back) and to fortify the abdominal muscles, do not increase very much the basic metabolic rate. As a consequence, indirect burning of calories (during breaks, post-training) is very small in comparison with the burning due to aerobic effort (especially the ones with alternative periods) – in their case, during effort taking more than 20 minutes, the energetic support is exactly the adipose tissue. The magic formula for burning abdominal fat is a combination of hypo caloric diet and exercise – especially aerobic, but also anaerobic (focused on all the body, not only the abdominal muscles).



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Medicine and women guide

Apart from the morphological differentiation between men and women there are many ways in which the women have a different place. The moods may vary so may the choices. But the women also apart from everything else require a different dosage of medication then men. There are numerous reasons why women need different amount and type of medication from men. Their whole body requirements and the different stages of life have a bearing on the medication they have to undergo. The body undergo many changes during puberty, pregnancy etc. thus making it important to have problem specific drugs for women. The drugs are not only confined to therapeutic or disease fighting use but also for supplementing the nutritional requirements in case of pregnancy. The chemical equations in the male body as well as the female body are different and thus they respond differentially to different changes too. Thus there comes the requirement of a separate research approach for women medication. The field of research and development in the medicine regimen is very wide and fast growing.

Regular updates and brushing up is a must in the field of medicine. As mentioned above the medication also includes the most important nutritional supplementation. The body on a regular diet might not require supplements but for those who restrict their diet are prescribed quick recouping supplements. Now the body of women would be drastically deficient in Iron as a result of menstruation cycle. Thus this along with the pregnancy and menopause etc. makes it important for a women’s body to get regular supply of nutrients. In such circumstances it becomes imperative for surplus medication. Pills for women are diversified and are administered for many reasons.

One of the important indications for this is the birth control. Majority of married women find it the easiest way to control conception. It can be administered as a pill or a skin patch or a vaginal ring too. Many women also suffer from the common depression and are taken to a very serious situation. The most common drug for such cases is the SSRI or the Selective Serotonin Reuptake Inhibitors. They prevent the mind to go off in the negative and vary thoughts and make a person fresh. The depression attacks induced by the heavy and demanding work schedule and the lack of sleep, makes the person go deep into depressive phases. So pills are also one of the main ways out of this. The problem of obesity and that too induced after pregnancy is a common observation in America. An important and alarming outcome of obesity is raised blood cholesterol levels. One needs to check them to prevent any future heart troubles. The cholesterol causes the arteries to shrink and clog up the blood flow. Medication in form of anti-cholesterol pills is also available and ladies use it more then men. Pills have, over the years proved to be recourse for many feminine problems and as the research continues they will be al the more useful. A right prescription and a right follow-up can save the women from many problems.



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How adult day care can help you maintain your sanity while caring for your loved one with alzheimer s disease

Adult Day Care provides comfort, support, care, companionship and counseling for elderly or Alzheimer’s patients who require supervision during daytime hours. It offers patients the opportunity to socialize and to receive health and social services in a stimulating and supportive environment. When you have chosen your Day Care, make sure that their license is current and do not hesitate to ask questions. Among others, Ask to see results of their state inspections and if there were any deficiencies, ask if they have been corrected. Observe if the patients are involved in activities. Does the staff encourage the participants to be as independent as possible? Ask about the staff to client ratio. For Alzheimer’s patients, the ratio should be at least one staff member for every eight patients. Meet the director and the staff. Is there a lot of staff turnover? What are the emergency procedures? Do they serve meals and how are they prepared? Do they offer food for patients of special dietary needs? Is there a secure outdoor area sufficient for walking and spending time outside? It can be vital for an Alzheimer’s patient to spend time outdoors in order to have a good quality of life. What are the hours of operation? How do they handle participants who wander? How often must the participant attend and for how long? How involved can I be as a family member? Find out what the requirements for admission are. These may include a health history and a physical may be necessary with a current (within the last year) TB test or chest x-ray. Take time to sit with the director or staff and go through all the processes prior to attending the day care. Of course, taking care of a loved one with Alzeimer’s can be very stressful and you may find yourself tired. Sometimes you need time away from your loved one to rejuvenate yourself. This will require making arrangements, which is where Adult Day Care comes in. This time off will allow you to invest some of your energy in your other relationships, to rest and recharge your physical and emotional batteries in order to maintain sanity and quality care for your loved one. Do the things you used to do before your loved one became ill. Have fun and enjoy yourself. Your loved one will be in good hands and will get involved with other persons with Alzheimer's. They will be given the care they deserve and will enjoy a facility that caters to their needs and interests. You will find that your loved one looks forward to the day care to have fun, make friends (to the extent they are able), and will return home at the end of the day more relaxed. Adult Day care may also help ease the way if one day you have to put your loved one in a nursing home. Some daycare centers are affiliated with nursing homes. The combination sometimes makes the transition into nursing home care much easier. So, take time for yourself. You deserve it, and your loved one will notice your changes as well



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Eco

In this article, we will learn about them eco friendly paints. During the curing and evaporating process, paints release their solvents in the atmosphere. You remember our articles explaining solvents right? The release of these Volatile Organic Compounds (VOC’s) into the atmosphere, can precipitate effects ranging from Ozone Depletion, to smog, and yes, to Global Warming too. Public sentiment has only been getting stronger in the past few years, and unlike the 1990’s, where the introduction of Green paints bombed, the latest revolution is not going to end. The crux of the matter however, is that painting experts maintain that, despite what the marketers say, paints without VOC’s don’t perform as well as paints that have them. They claim that they require more coats to achieve the same finish, and are not as long lasting. However, with VOC’s being linked to dizziness, and asthma, public demand is only getting stronger, and the industry has no choice but to respond. One solution, is to use Latex Paints, that are water based, with an acrylic resin acting as a binder. In addition to being environmentally friendly - Water based means no more VOCs - Latex paints have several other advantages over traditional paints including washability, and better opacity (Ability to completely cover another color). Of course, being water based means that the Latex paints cannot be used to paint iron, as it will speed up the rusting process. Even so, there is a distinct trend towards latex paints, and new innovations are popping up everywhere. The term ‘Green Paints’ can not only refer to the overt effects of the paint itself, but the manufacturing process that is followed in order to obtain the paint ingredients. For example, Titanium Dioxide, is widely used in paints for it’s whiteness, and for the fact that it has high ‘Hiding power’. This refers to the refractive index of the material. If the refractive index is high, it will provide greater opacity when it is disbursed in a solvent. However, Titanium Dioxide is manufactured by processes called the sulphate, and chloride processes that resulted in diluted Sulphuric acid being created as a by product. These were dispersed into the sea, prompting debate on whether or not this was acceptable. It also meant that all substances that were dissolved in the acid, would also be released into the sea. Quite apart from more efficient manufacturing practices, Titanium Dioxide, when applied as an exterior coating, reacts with sunlight causing smog. The International Agency for research on Cancer (IARC), has also classified Titanium Dioxide as an IARC Group 2B carcinogen, which means that it is probably an agent leading to the promotion of cancer in humans. Despite this, Titanium Dioxide is widely used. Given the serious health and environmental damage that paints can have directly through their effects, as well as indirectly through their manufacture, Eco Friendly paints are set to have a major impact on the industry, as well as changing the way we view paint



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Improve stamina with natural testosterone boosters

As an athlete or body builder in training, you probably want to see some results fast. Lean rock hard muscles can come with time and plenty of training, but if you want to speed things up a bit, you might want to try a natural testosterone booster. Testosterone boosters help you increase stamina as you gain muscles and strength. Thankfully, there are many natural testosterone boosters on the market today to help you do this safely with few or no side effects. Who Can Take Testosterone Boosters? Testosterone boosters are not recommended for teenagers or men under the age of 25. Teenagers' bodies already produce sufficient amounts of hormones for growth and development. Young men in their early twenties are usually at their peak of testosterone production, so the boosters are not needed.

Warning: Taking testosterone boosters when your body is already producing sufficient testosterone can be detrimental to your health. Symptoms of Decreased Testosterone Levels When a man's testosterone levels decrease, he displays certain symptoms that can hinder weight training efforts. These may include a lack of energy, memory loss, loss or reduction of sexual drive, reduced muscle mass or inability to gain muscles, lack of focus, low metabolism, irritability, and weight gain. These symptoms often occur in aging adult males because their bodies slow down in producing the testosterone hormone. As men age, their stamina and endurance for long workouts or athletic activities will often decline as a result of this change in hormonal production. Benefits of Natural Testosterone Boosters Natural testosterone boosters offer a number of benefits. They help boost energy, increase strength for longer, more efficient workouts, block estrogen, enhance libido (sexual drive), reduce body fat, and gain muscles faster than ever. Since there is such a vast selection of testosterone boosters on the market today, it's good to know the differences. Creatine supplements are legal forms of testosterone boosters, and are much safer than many steroid products. They usually do not cause as many side effects and are readily available on the market. Illegal testosterone boosters are anabolic steroids. Then there are natural testosterone boosters that contain herbal ingredients such as Tribulus Terrestris, Tongkat Ali, Mucuna Pruriens, Epimedium, Dehydroepiandrosterone, and Tesofen (TM). Natural testosterone boosters help you gain lean rock hard muscles without exposing you to dangerous drugs or chemicals that can harm your health. Other Natural Testosterone Boosters There are two other ways to increase stamina and boost testosterone naturally. You can boost testosterone through a change in diet and an increase in exercise. Eat more of certain food items that will increase testosterone levels in the bloodstream. These include eggs, beef, broccoli, cabbage, oysters, chicken, and garlic. Regular weight training also helps your body to produce more testosterone. As with any muscle-building supplement, check with your doctor before taking any type of testosterone booster. Ask which natural booster is best for you and research online to learn all you can about different products. Look for companies that provide you with all the ingredients of the product up front so you can make a healthy choice. With natural testosterone boosters along with a consistent body building routine, you'll soon enjoy the benefits of your new, healthier, solid-built muscle machine!



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The best home businesses turn key operations

The best home businesses to start are ones that are already set up for you. In this type of turn key operation, the tasks of setting up the website, if you want an Internet based business, is done for you. You just purchase the domain name and pay for the web hosting. Even within the various options for the best home businesses on the Internet, there are various ways you can generate a monthly income. What constitutes the best home business for one person may not be the best one for another. It is a matter of individual taste and style when it comes to finding a home based turn key Internet business. It is also a matter of how much you want to pay to get your home based business off the ground. Although operating a business on the Internet is far less expensive than setting up a regular business, you can choose various amounts of money that you can or want to invest. The best home businesses are often an individual thing.

For example, for one low fee of $200, you can have your own home based turn key Internet business selling books to customers looking for books on virtually any topic. By purchasing the kit, you get a website created for you, and all you have to do is process the orders you receive through emails. These types of home based businesses are the best home businesses if you want to sell on the Internet, but you will need a merchant account to process the credit cards. However, you don’t have to bother with shipping the books to the customers. You forward the money to the company and keep 20% of the sale for yourself. However, if you want to set up your own site, then you also have many ways of getting a home based turn key Internet business through affiliate marketing. Since the company you affiliate with is already set up, you don’t have to look for a product to sell with the best home businesses like this. The company processes all the transactions and you simply collect the monthly income. All you have to do in this example of best home businesses is set up the website and attach a link to your affiliate.

The company handles everything else. There are many “best home businesses” on the internet. It all depends on what suits you and what you want to achieve.



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Take advantage of that home based business opportunity

When a home based business opportunity knocks, you should listen. If you dream of having some independence, setting your own schedule, and running things on your own terms, then looking for a good home based business opportunity should be your next step. And when you find a home based business opportunity that interests you, don’t let it pass you by. Think about the things you like to do from hobbies, interests, and activities. To figure out which home based business opportunity will work best for you, it is important to start with the things you enjoy. After all, this will be your business and what you will be working on in your home. Why not have a little fun with it? Once you have figured out what types of things you like to do, then seek out the home based business opportunity that fits with your interest. Seek out a number of options so that you can narrow it down to the home based business opportunity that will work for you and your situation. If you have a general interest in something, you can try to find a home based business opportunity that focuses on one aspect of your interest. Finding a niche in your home based business opportunity is important, because you want your business to be unique. You will want to offer something that no one else does, as it will make your home based business opportunity more successful. For instance, say you love knitting, and you want to take advantage of a home based business opportunity where you knit. However, there are a multitude of things you can knit, so you can narrow it down to unique and flirty scarves. Rather than being too general, your home based business opportunity now fills a specific need for your clientele. Once you find your home based business opportunity, do not submit to the pressure to jump in too quickly. Create a plan and set goals so that your home based business opportunity has a clear direction for success. Take one day at a time, always keeping your eyes on other ways to make your home based business opportunity more successful. Also, make sure that you have a personal life that is not wrapped up in your home based business opportunity. You decided to take advantage of this home based business opportunity to do something you love to do, so don’t make it a burden.



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Different types of health insurance in california

: Whether you buy group or individual health insurance in California, the options you have regarding the different types of health insurance are generally the same. In some groups you can even choose from available plans. These different types are traditional health insurance, health maintenance organizations (HMOs), and preferred provider organizations (PPOs). California goes beyond the Federal requirements for offering health insurance to its residents. Examples of this include Industry Advantage plans (IAHP), short-term health policies, Insurance for high risk Individuals and special plans for children and teens. Additional Health Insurance in California The traditional health care delivery system is based on a fee-for-service type of arrangement. In a fee-for-service system, you pay or each itemized medical service you receive.

In the days of the frontier, "Doc" often received a chicken as payment. Today, physicians are paid with money, lots and lots of it. Fee-for-service health insurance recognizes this practice and is designed to reduce or even eliminate your duty to pay directly for your medical care. Traditional health insurance comes in three parts: California has four basic options for choosing a health care plan:

  1. 1. Health through an employer or association
  2. 2. Health Insurance through Income eligibility such as Medicaid
  3. 3. Health care for high risk individuals such as those that have had cancer or a heart attack
  4. 4. Private Insurance
Hospitalization Hospitalization covers defined expenses incurred while in the hospital. Generally, the insurance will pay for all of the covered services rendered by the hospital staff.

However, if the insurance benefit is an indemnity payment, the payment will be for a fixed sum regardless of the actual expenses incurred. This fixed sum will usually be far below the daily charge actually made by the hospital. Medical/surgical This part of a traditional health plan covers the expensive costs of medical care other than the bill from the hospital. Services such as doctor visits, treatment charges, etc., are covered here. Medical/surgical usually has a deductible and requires co-payments by the insured (payments you make for charges not covered by the insurance), typically 20 percent of the doctor's fee. Catastrophic or major medical There are usually lifetime maximum payments that hospitalization and medical/surgical plans will pay, after which the well runs dry. Unfortunately, these maximums may not be sufficient to pay for all of the care required if a major illness or injury should strike, since such afflictions can eat up hundreds of thousands or even millions of dollars worth of health services. Thus, catastrophic coverage adds to your umbrella of protection in an amount sufficient to protect you from the horrendous expenses of such serious and prolonged illnesses.

These policies also fill in some of the gaps not covered by hospitalization or medical/surgical. Health Maintenance Organizations or Private Insurance in California The health maintenance organization (HMO) is a relatively new player in the health insurance game, although it has been around in a limited fashion since the 1930s. The idea behind an HMO is to pay one premium and receive all of your health care at no or a nominal additional cost. The point is to save money compared to traditional health plans that cost more to purchase and require more out-of-pocket payments from the insured. What you, the insured, give in exchange for reduced cost is a substantial loss of your freedom to choose who will take care of your health needs. Preferred Provider Organizations Preferred provider organizations (PPOs) seek to give both the benefits of traditional health plans and the money savings of HMOs. They do this by paying higher benefits as a reward for your using the doctors or hospitals they preselect for that purpose. Disability Insurance Disability insurance does not pay for health care; rather it pays for lost wages caused by a disabling injury or illness.

How Health Insurance Is Priced Ask anyone how health insurance is priced and you will get a simple answer: expensively! Beyond that, there are underwriting criteria used by health insurance providers, whether they are for-profit or, like Blue Shield/Blue Cross, nonprofit. Underwriting Criteria Age The older you are, the more likely you are to get sick; therefore, the higher your health insurance premiums will be. Number of people covered Many people buy family coverage rather than individual policies. This means that there will be adults as well as minor children protected by the same plan. Some companies will charge based on the size of the family. Others charge a basic family rate without regard to the number of members. Gender Unlike life insurance, where women get the better end of the bargain than men, in health insurance women often pay higher premiums.

This is based on health insurance industry statistics which indicate that the female of the species tends to need medical care more often than the male. Health history Insurance operates on statistical probabilities. If you have had a poor health history, statistically you are more likely to have a more expensive health care future. This, in turn, means that you will pay higher premiums-if you can get health insurance at all. Occupation The more likely you are to suffer injury or illness because of the work you do, the more likely the health insurance industry will be to charge excessively for benefits. This may be well and good for professional deep-sea divers. But the industry has begun to stretch the concept into areas that have nothing to do with the inherent danger of the work. Lifestyle In your application for health insurance you will be asked questions about your personal habits. Your answers will have a lot to do with the cost of your premiums.

If you smoke, you will probably pay more for health insurance. If you drink to excess, you will probably pay more for health insurance. If you are known to be under a great deal of stress, you may pay more for health insurance. California does reward the health care Insurance consumer with lower premiums if they have practiced good health policies.

One of the most important things you can do as a health care consumer is to engage in preventive care. Not only will you be able to spot serious diseases at an early stage, thereby increasing your chances of effective treatment and cure, but you should be able to save money as well, since it is usually far less expensive to treat a disease when it's a molehill rather than a mountain. About The Author:Medical-Ins. com is a leading broker of health insurance in California. We provide detailed information and cost breakdowns of Blue Cross, PacifiCare California and many more. Visit our site for a free quote and to help sort through the various health insurance plans to find the more affordable option for your family.



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Know your audience when marketing online

Know Your Audience When Marketing Online Internet marketing is quickly becoming one of the most popular advertising options available. The Internet reaches a worldwide audience and is available 24 hours a day. For this reason more and more potential customers are turning to the Internet for a variety of reasons including researching products and services and making purchases. As more and more consumers turn to the Internet for these reasons, it is important for businesses to establish an online presence. This is so important because failure to do so may result in their competitors gaining an edge over them in competing for sales. While it is important for business to begin Internet marketing campaigns it is also important for these same businesses to realize basic advertising principles still exist and they cannot neglect these principles. Most importantly those who advertise online have to be aware of who their target audience is and how to reach this audience. As with any marketing campaign, business owners should do some market research before they launch their Internet marketing campaign. Ideally this will involve hiring a research consultant with a great deal of experience in conducting and evaluating this type of market research. The results of this research should determine the basic demographical information for the target audience. The results should also include information on how to reach this target audience. A business that cannot afford to hire a consultant to conduct this market research should still make an effort to obtain this information on their own. This can be done through informal polls of current clients. This information may not be as comprehensive as the information obtained in a more formal study but it can still provide a great deal of insight into the best way to reach the target audience. Once this information is obtained, it is important to tailor the Internet marketing campaign to appeal to the target audience. There are a number of different variables which can be modified to ensure the right message is reaching the right people in a manner they can understand and in which they can relate. Some of the ways in which your Internet marketing campaign can be tailored in this way include the aesthetics of your website or advertisements, the wording of your copy and the use of more advanced design features such as audio and visual or interactive tools. The aesthetic appeal of a website can greatly contribute to how the website is viewed by the members of the target audience. A website which is designed to attract the attention of an older generation with more conservative tastes should include muted colors, clean design and conservative graphics. This will help to ensure the target audience enjoys the website. Conversely if you are looking to appeal to a younger audience with more liberal viewpoints you might chose to design the website with bold colors, eye catching graphics and creative design features. The copy you include on your website should also take your target audience into consideration. Consider the examples of a conservative and a liberal audience listed above to create a better understanding of how the copy on your website can appeal to the target audience. When marketing to a more conservative audience, the copy should be tailored to use formal language and use facts to back up viewpoints. However, when you are marketing to a more liberal audience or a younger audience you can consider using less formal language which is likely to appeal to the target audience. You can also focus more on emotion to express viewpoints. Finally, when a website is created for the purposes of Internet marketing it is important for the design of the website to appeal to the target audience. You may wish to include audio and video clips on your website but these clips should appeal to the target audience. For example if your website sells skateboards you might consider incorporating audio clips from punk rock bands as opposed to country music bands. There may be some skateboarders who enjoy country music but in general punk rock music more closely represents the skating culture. Keeping these details in mind is very important for Internet marketing. Word count 698



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