Investment Politics: Jobs and The Economy
By:Steve Selengut

Who wants to be a president; the President of the United States? Social
 Security reform is the winning ticket. Research supports the thesis
 that Social Security reform would provide all the lubrication necessary
 to get our economic ball bearings rolling in the right direction.
 Economies do not grow, or increase employment, when job providers are taxed
 and regulated unmercifully, throttling their energy, creativity, and
 profitability. Consumer spending pushes the economy; we need to do more
 than hand out a few hundred bucks.
 
The objective of the exercise, Barack, is to permanently place more
 disposable income in consumers' wallets while providing incentives for
 employers to hire more workers. There are three areas where the impact of
 reforms would be beneficial to all, irrespective of political
 sentiment. Social Security reform would benefit the most people, most quickly.
 Next on the list, Hillary, would be elimination of income taxes
 (federal, state, and local) on: (a) all forms of retirement income, and then,
 (b) all forms of investment income. Third, and particularly important
 for job creation, John, would be the elimination of all income taxes and
 nuisance fees on businesses. Who wants to be President?
 

Social Security will be the easiest to implement quickly while
 producing unprecedented increases in disposable income, business cost
 reductions, and job growth. Here's a rough outline of a brainstorming plan.
 Throw out the politics and focus on the program--- phase one deadline,
 January 1,2010. Change Social Security funding to a mandatory, private
 program, for all employed persons, and add a voluntary program for those
 who are not employed. All employees would contribute to deferred fixed
 annuities, purchased from new divisions of qualified financial
 institutions. Existing Social Security credits would be the initial deposit to
 the contracts for all participants under age 60.
 
Employer matching contributions would be eliminated and participant
 contributions would be cut to a mandatory 3% of total compensation
 (including deferred comp, stock options, etc.). Both changes would be phased
 into the system by participant age group over a five-year period,
 youngest first. The five age groups would be 13-year periods starting at zero
 to thirteen (obviously for voluntary accounts) and ending with ages
 fifty-two through sixty-five. Phase one would involve qualifying
 providers, assignment of workers, issuance of contracts, elimination of
 employer matching contributions, and elimination of income taxes on social
 security payments. Employers would be required to appoint at least one
 person to coordinate the transition. Contributions to the annuity
 contracts would begin upon issue; the Social Security Administration (SSA)
 would have five years to move credits to participants, starting with the
 youngest group, and would be responsible for shortfalls to retirees for
 five years.
 
Under the new system, there would be no penalties for early retirement,
 but tax free annuity payments would begin at age sixty-five whether or
 not the person continued to work. Participants could voluntarily
 establish retirement accounts for non-working spouses and children, and
 could elect to deduct an additional 1% of salary for each account. A new
 Federal Administration for Social Security (ASS) will select, qualify,
 and monitor provider companies and their investment portfolios to assure
 that only high quality, income-generating securities are used to fund
 benefits. Companies showing a surplus would be able to invest up to 25%
 of the surplus in stocks that qualify for the Investment Grade Value
 Stock Index (IGVSI).
 
Only fixed life annuities would be available, but there would be 50% of
 cash value, family-only, death benefits up until the time of
 retirement. After age 65, the death benefit would be reduced 10% per year for
 four years. There would be no loans, withdrawal privileges, etc.
 
The ASS would be represented on provider company boards, would monitor
 annual audits of firm financial statements, and would supervise the
 selection of all non-company directors (60% of the board). Each provider
 company would be encouraged to use non-market value portfolio assessment
 techniques, such as The Working Capital Model, to monitor income
 portfolios. Retiree associations would also be represented on company boards
 of directors, and board member compensation would be capped at a
 reasonable number, plus 45% of ASS related expenses.
 
Annuity providers would be assigned a fair share of the huge Social
 Security Retirement Income Account (SSRIA) participant pool; every dollar
 contributed would be invested. All providers would use the same
 mortality tables and base interest rate guarantees in their calculations and
 would be precluded from any form of advertising. Companies would be
 required to focus 100% of their efforts on the SSRIA.
 
Annuity providers would be allowed a .5% investment management fee so
 long as the Annuity Investment Portfolio generated no less than the 3.5%
 income level needed to fund a guaranteed 3% contractual cash value
 growth rate. 50% of any excess realized income would be added to
 retirement accounts in the form of dividends. The remaining 50% would be
 apportioned between three separately managed accounts for: retirement benefit
 support contingencies (20%), universal health care and disability
 benefits for annuitants (50%), and post retirement death benefits (10%).
 Half of the remaining 20% would become "surplus". The balance would accrue
 equally to the employees of the insurance company--- the mailroom
 staff receiving the same dollar amount as the CEO.
 
These changes would produce: a whole new sub-industry of jobs, increase
 disposable income, reduce the Federal budget deficit, provide
 universal retirement benefit eligibility, stabilize the market for plain
 vanilla corporate and government debt securities, reduce corporate expenses
 and product price levels, and subsidize health care for senior citizens.
 Annuity providers would have significant incentives to minimize costs,
 but their investment portfolios would be closely supervised to prevent
 excessive risk.
 
Politicians at all levels just love for us to hate big business, and
 have no compunctions about taxing and regulating employers in every
 manner imaginable. The impact is higher prices, lower job creation rates,
 and the need to move many operations to lower cost environments. Many
 small businesses simply refuse to hire additional employees. Regulatory
 procedures and company defense measures add billions to the costs of
 goods and services.
 
Social Security benefits are grossly inadequate yet we continue to tax
 all forms of retirement benefits. Politicians ignore the simple
 solutions to these problems and no one seems to care about Social Security
 reform. It's just too big an issue to be so shockingly ignored, but the
 last politician with any courage--- well, I can't remember who that was
 either.
 
 
Steve Selengut
http://www.sancoservices.com
http://www.valuestockindex.com
Professional Portfolio Management since 1979   
Author of: "The Brainwashing of the American Investor: The Book that
 Wall Street Does Not Want YOU to Read", and "A Millionaire's Secret
 Investment Strategy"

Predicting Stock Market Movements
By:Steve Selengut

I've been thinking about starting a stock market prediction business.
 Clearly, there is a huge market for timely and accurate information of
 this type, and just as clearly, predicting the future is much easier
 than dealing with the realities of whatever is actually happening at the
 moment. If investors could know what's going to happen next, they could
 develop a plan to deal with it in the present. Maybe Wall Street could
 help me get this new business up and running!


 What's that? Wall Street institutions already spend billions predicting
 future price movements of the stock market, individual issues &
 indices, commodities, and hemlines. Really? Is that right also? Economists
 have been analyzing and charting world economies for decades, showing
 clearly the repetitive cyclical changes and their upward bias. Funny then,
 or strange would be more accurate, that the advice generated by the
 oracles of Wall Street seems to assume that the current environment, good
 or bad, will be everlasting. Isn't it this kind of thinking and
 advising that prolongs the downturns and "bubbles" the advances---in all
 markets?

If it were true that our favorite pinstriped product pushers can
 actually predict the future, why would investors do what they do in response
 to the predictions?  Why would financial professionals of every shape
 and size holler: "sell" at lower prices, and "buy at any price" when
 market valuations surge upward? Shouldn't lower prices be the call to the
 mall? Most Wall Street soothsaying has a short-term focus that dwells
 upon today's market conditions; most Wall Street glossies emphasize the
 long-term nature of investment programs, and encourage investors to
 apply patience to the program they decide to use for goal achievement. Why
 is the advice so out of sinc?

The reason for the emphasis confusion is simple: it's easier to play to
 the emotion of the moment than it is to look beyond--- even though we
 all know that a directional change will be along eventually. Regardless
 of the direction, Wall Street advice will always fuel the operative
 emotion: greed or fear! Wall Street's retail representatives never go
 against the grain of the consensus opinion--- particularly the one
 projected to them by their superiors. You cannot obtain independent thinking
 from a Wall Street salesperson; it doesn't fill up the "Beemer".

Here's some global advice that you will not hear on the street of
 dreams: Sell into rallies. Buy on bad news. Buy slowly; sell quickly. Always
 sell too soon. Always buy too soon. And by the way, who do you think
 is buying and selling the securities you have been told to dump or to
 hoard? 

No self respecting guru would ever refute the basic truths that the
 market indices, individual issue prices, the economy, and interest rates
 will continue to move in both directions, unpredictably, forever. Hmmm,
 this is where you need to focus your attention if you want to get
 through the investment process with your sanity. You need to expect and plan
 for directional changes and learn to use them to your advantage.
 Tranquilizers may be necessary to get you through the first few cycles, but
 if you have minimized your risk properly, you can actually thrive on
 the long-term predictability of the markets.

The risk of loss cannot be eliminated. A simple change in a security's
 market value is not a loss of principal just as certainly as a change
 in the market value of your home is not evidence of termite damage.
 Markets are complicated; emotions about one's assets are even more so.
 Cyclical changes in all markets are just as predictable conceptually as
 knowing approximately where you are within a cycle is knowable actually.
 The key is to understand what your securities are expected to do within
 the cyclical framework. Now there's a knowledge business with no Wall
 Street practitioners!
 
Predicting individual stock prices is a totally different ball game
 that requires a more powerful crystal ball and an array of semi legal and
 illegal relationships that are unavailable to most investors. There are
 just too many variables. Prediction is impossible, but probability
 assessment has enormous potential. Investing in individual issues has to
 be done differently, with rules, guidelines, and judgment. It has to be
 done unemotionally and rationally, monitored regularly, and analyzed
 with performance evaluation tools that are portfolio specific.

This is not nearly as difficult as it sounds, and if you are a shopper,
 looking for bargains elsewhere in your life, you should have no
 trouble understanding the workings of the stock market. There are only three
 decision-making scenarios that investors need to master if they want to
 predict long-term success for their portfolios.

The "Buy" decision has two important steps: Step one allocates the
 available investment assets, by purpose, between Equity and Income
 securities, based on the goals of the investment program. It is done best using
 The Working Capital Model. Step two establishes strict selection
 quality measures and diversifies properly within each security class.
 Investment Grade Value Stocks are the low-risk equity champions; long-term,
 non-gimmick, managed CEFs produce the best income/diversification mix
 available in readily tradeable form.

The "Sell" decision involves setting reasonable targets for profit
 taking for all securities in the portfolio. Loss taking decisions must not
 be undertaken out of fear, and must be avoided during severe market
 downturns. Understanding the forces causing market value shrinkage is
 important and a highly disciplined hand at the emotion control button is
 essential. There is no such thing as a good loss of capital.

The "Hold" decision is most common, and it regulates and moderates the
 process, keeping it less than frantic. Continue to hold onto
 fundamentally strong equities and income securities that are providing their
 normal cash flow. Hold weaker positions until the appropriate cycle
 (market, interest, economy) changes direction, and then consider whether to
 sell or to buy more.
 
Wall Street spins reality in whatever manner it can to make most
 investors unhappy, thus increasing new product sales. Your confusion, fear,
 greed, impatience, and need for a quick panacea fuels their profit
 engines, not yours. Learn how to deal unemotionally with Wall Street events
 and shun the herd mentality... that'll fix 'em. 
 

Steve Selengut
http://www.sancoservices.com
http://www.valuestockindex.com
Professional Portfolio Management since 1979   
Author of: "The Brainwashing of the American Investor: The Book that
 Wall Street Does Not Want YOU to Read", and "A Millionaire's Secret
 Investment Strategy"



Prefer High Quality Punching Bag

By:Shijina 


Among the popular combat game played by the people, boxing stands to be one of the topmost games enjoyed by the people. Boxing equipments is inclusive of more number of gears in different sizes, color, quantity and quality.


Among the popular combat game played by the people, boxing stands to be one of the topmost games enjoyed by the people. Boxing equipments is inclusive of more number of gears in different sizes, color, quantity and quality. When the customer decides to make use of punching bag while playing the game, he should know how to choose the best among the list. The gear is used to strength the training of the individual and also offers stress relief at the time of event.

Different types of punching bags are designed and marketed for the customers in variable prices. Some of the kinds are speed bags, heavy bags, pedestal bags, body shaped bags and even more varieties. It is a round cylindrical piece of equipment used by professional boxers at the tome of training or exercise. It comes in variety of sizes to meet the needs of the customers, so that players will be enhanced with hand speed, coordination and rhythm.

If a person is making use of such kind of boxing gears, then he tries to improve physical strength, aerobics fitness and punching techniques initiated with him. It is a modern invention inflated bag used in some of the mixed martial arts is Okinawan makiwara, Chinese mook jong and other types of wrestling. At first it is suggested for the people to select properly the type of gloves they are required to be processed. Heavybag stand with adjustable speedbag stand is also available which might be created along with sand or water or even gas.

In most of the gymnastic center, we can find this popular type of gear in variable ranges. As people knows that the combat game is all about fighting each using their hands, this equipment is designed and offered to the people. More number of manufacturers is interested in preparing the gear to meet the demands of the customers around the world. Almost every boxer in his life time history, he comes across the popularly listed punching bags for efficient training.

Make sure that you have selected the right boxing required to play the game efficiently and effectively. It comes in different colors, shades, designs, models and prices to facilitate the customer and make him enjoy the boxing without any injuries. It is always recommended for the people to purchase the high quality equipment without wasting time, money.

 
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The Real Scoop on Annuities - Part One
By Steve Selengut

Insurance companies have always been big time financial institutions,
and they could probably have claimed possession of the largest and
safest investment portfolios on the planet. At one time, their role
vis-ą-vis Wall Street was clearly that of a giant customer for the securities
the investment banks brought to market and which the securities firms
distributed. Their real estate holdings were religious in size and
quality. They were direct lenders to corporations, their
owner-policyholders, and to other institutions. They were the Trustees who managed the
private employee pension plans of the world.

Insurance companies sold life insurance policies and annuity contracts
that contained guaranteed benefits that depended on their ability to
invest safely and soundly. They sold investment management services that
built upon their legendary reputation as an industry built upon
guarantees, trust, and the financial integrity of their investment portfolios.
They were not known for the production of unusually high rates of
return, but they were one of only three entities allowed to utter the
sacred g-word, and the only one that marketed products that protected people
from the financial vagaries of life and death. It was a simpler world
then, one less prone to the conflicts of interest, scandals, and
financial disruptions that exist on the modern Wall Street. Today, it's
difficult to distinguish one financial institution from another as they
compete for the ever-growing pool of investment dollars. Insurance
companies, now publicly owned, have become am integral part of an industry that
seems uninterested in protecting anything other than their obscenely
paid leaders.

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The time-honored distinction of the annuity contract was the guaranteed
retirement benefit it provided. The "you will never outlive your
income" boast could not be uttered by any other financial entity! The
annuity contract itself was never intended to be an investment product,
although the disciplined savings of the deferred variety was certainly given
well-deserved emphasis. This was the original old age and disability
retirement program--- a contributory, but trustee directed, investment
account that anyone could have for a few bucks a week. Like bank savings
accounts and federal government securities, risk of loss was not a
factor, and the guarantee was a benefit well worth the lower than market
yield. Over a hundred years, the concept became generic: Annuity =
Guarantee--- safe, solid, and virtually risk free. Equities were nowhere to
be seen; derivatives had yet to come of age; neither seemed necessary.
The guarantee was enough--- it still is, but annuities are best suited
to the healthy poor.

Annuities were developed for the protection of the indigent--- people
without the assets needed to generate enough income to sustain them in
retirement. An annuity is a series of identical payments made over a
specific period of time. Any departure from a plain vanilla, one-life,
annuity reduces the payout because of additional time, cash back, or life
contingencies. In its purist form, a fixed amount is paid to the
annuitant until his or her death. Any leftover funds belong to the company,
and the company continues to pay those who live longer than predicted by
the actuarial tables--- a simple concept, actuarially pure, easy to
deal with, and with no surprises (until the government decreed that men
are required to live as long as women).

Annuitants would never outlive their income, but absolutely nothing
would be passed on to their heirs; a dismal prospect for the kids, but a
valuable benefit for the retiree. The annuity was a last resort scenario
for those who didn't have the financial resources to support
themselves. I don't know about you, but this sure sounds like a great way to
fund a Social Security program! The companies make enough money on the
plain vanilla variety to pay their salespeople between 8% and 12%.
Typically, they lock-up the money for eight to twelve years with large
penalties and pocket most of the additional income that their actual
investment and expense experience produces--- but for those who can't fund their
own retirements, this is entirely acceptable. A mandatory, fixed
annuity based Social Security really needs to be considered to replace the
counter-productive system in effect today--- there would be no need for
the commissions.

Enter the modern day Variable Annuity oxymoron, sold by an industry
that has lost touch with its noble roots, if not the realities of the
stock market. The sales pitch emphasizes the prospect of gains in the
market rather than the safety and security of the contract. Hundreds of
insurance-annuity companies have rushed in to sell their Mutual Funds to
unsuspecting retirees, in the form of a
much-more-speculative-than-meets-the-eye retirement program. In it's zeal to claim its share of the
investment dollar, the industry has rationalized away the risk of equity
investments. Financial Planning computer models are programmed to include
variable annuities in their asset allocations, shifting the retirement
income risk to the consumer. And it's such an easy sell because what
the customer hears is: a guaranteed retirement income plus stock market
appreciation.

Unfortunately, the stock market never has been able to generate
guaranteed levels of income, and sometimes fails to move higher just because
we think it should. Serious problems occur when mutual funds are
packaged with annuity contracts and the critical differences between them are
either overlooked or undisclosed, perhaps innocently, perhaps not. The
founding fathers of the annuity contract would not be pleased with
today's glitzy versions. Let's back up a century and consider some basics.
Just who needs an annuity anyway?



Keep in mind that the annuity produces the largest possible commissions
for the salesperson and the largest potential penalties for the
purchaser. The variable variety adds the commissions from the mutual funds to
the package, and uncertainty to the income benefit. Here's how to
determine if an annuity makes sense economically. Is it clear that there is
no such thing as a guaranteed variable annuity? The key suitability
numbers are easy to develop and to analyze.

The most important number in the equation is your personal expense
estimate. How much income is needed at retirement? Always estimate
conservatively (that means to use numbers higher than you really expect). If
you need a calculator, you're making it too difficult. Let's pretend that
the number you decide upon is $48,000, or $4,000 per month. Next,
subtract the amount of any guaranteed income you expect to receive from all
sources, including social security, pensions, etc. Do not include the
value of your investments or properties you plan to sell in this
calculation. Again, be conservative, keeping your estimate a bit lower than
what you actually expect, and make sure you know why investment earnings
should not be included. Let's say that this number works out to be
$27,000.

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That's it. Now all you have to do is to determine if the investment
portfolio can safely generate the difference of $21,000 per year in income
(dividends and interest only, please). For the purposes of this
analysis, the current market value of the portfolio is used, so make sure
that you include the value of everything that is marketable. At today's
interest rates you could get the job done safely with under $300,000 but
not with normal equity mutual funds or any form of Index Fund. It is
totally irresponsible (actually, its worse than that) to rely on equities
to provide retirement income. BUT, if the numbers are just short, and
(a) a "windfall" (inheritance) is anticipated within a few years, or
(b) the retiree is in poor health, an annuity is the last thing that
should be considered! You should be able to invest the money
conservatively, generate adequate income and have an estate left over for the heirs!
Remember to satisfy the income need before looking at equities. There
are no exceptions!

So here we have a last resort product, designed for the poor, that the
industry has chrome plated, spit-polished, and supercharged for
marketing to people who should know better than to include equities in an
income portfolio. Why? Is it because financial pros really think these
products are universally suitable? Is it the commissions? Or is RISK just a
board game that they played in college?


Steve Selengut
http://www.sancoservices.com
http://www.valuestockindex.com
Professional Portfolio Management since 1979
Author of: "The Brainwashing of the American Investor: The Book that
Wall Street Does Not Want YOU to Read", and "A Millionaire's Secret
Investment Strategy"


Investment Performance and The Working Capital Model
By Steve Selengut

Ouch! The mighty Dow has fallen to within a financial heart beat of its
1999 high water mark, boasting an average per year gain of less than
one half of one percent in spite of several interim manipulations
designed to improve the performance picture. The S & P 500 Average, an
equally prestigious indicator of broader market movements, is nearly 13%
below where it was at approximately the same time. Both figures reflect no
investment expenses at all. So, in spite of the mostly ignored fact
that neither index includes any income securities (bonds, preferred
stocks, REITs, etc.), a reasonable person could well expect his or her
portfolio market value to be well below where it was nearly ten years ago!
Now that's a fairly dismal scenario, but it's the in-your-face reality
for most investors as we move forward into what we all hope will be a
more spring-like investment climate.


The chronic failure of market value indices and indicators to move ever
upward with less amplitude is a function of both fact and emotion. The
basic facts involved are economic, and there has never been a stock or
bond market cycle that has not been affected by the natural movements
of the world economy. (The China syndrome, by the way, is evidence of
the strength of capitalism--- a pat on the back as opposed to a slap in
the face.) It is the emotional realities of the investment world that
have led to the rise in volatility. Greed and fear have always had in
impact on markets, but as the numbers of individuals with self-directed
portfolios has grown, so have the magnitude of the ups and downs.

There is less stability now in even the most conservative investment
portfolio structures, as evidenced by the current weakness in
fixed-income-content securities despite major reductions in interest rates. Even
though interest and dividend payments have been maintained throughout
the credit difficulties, these securities have lost some of their market
value. But it was investor demand and investment institution greed that
led to the creation and distribution of the securities that led to
these problems. The problems will be resolved eventually, income security
market values and the market indices will move ahead to new high
levels. Only the ulcers will remain, while Wall Street creates the new
products that will fuel the financial crisis of 20XX.

The Working Capital Model (WCM) approach to portfolio performance
evaluation eliminates the tears and fears because it is based on more than
the current market value illusion of wealth--- a number that won't sit
still long enough to ever be meaningful. Market value, within the WCM,
is used only to determine what to buy and/or when to take profits, but
all structural decisions are based on Working Capital and all
performance evaluations are based on investor goals and objectives. Working
Capital is the cost basis of your securities plus any uninvested cash that
is looking for a productive home. Its movement reports on the
effectiveness of decision-making during the markets' gyrations. Since 1999, both
Working Capital and income production should have grown considerably.

Understanding Working Capital is easiest with bonds, the primary
purpose of which is to generate income that can be spent if you choose to,
without dipping into principal. Principal, by the way, equals cost basis.
A bond portfolio whose market value is below (or above) cost basis
pays the same amount of interest as it does when the market value hasn't
changed. In other words, the bonds do their job regardless of what their
current price happens to be. In most instances, the only way you can
actually lose money is to sell them when your emotions get the best of
you.

Variables in the stock market are more numerous, but all the charts
will tell you that IGVSI companies almost always survive market
corrections and move forward to new market value highs, eventually. Since the
purpose of equity investing is to generate growth in capital (profits are
called capital gains, aren't they) when the market value exceeds the
cost basis by a reasonable amount. The key to finding a comfort level
with equities is to look at the fundamentals (P/E, profitability,
debt-to-equity ratio, dividend payment, etc.) of the companies you own and to
avoid the current news analyses. Avoid looking at current market value,
particularly when the market is in a cyclical downturn, unless you are
thinking of adding to significantly weaker positions to reduce the
average cost of your position--- an integral part of the WCM.

None of the numbers on your Wall Street designed statements reflect
your personal deposits to your portfolio, but the Working Capital total,
which should always be higher than your net deposits, is unintentionally
clear. Your statement compares market value to cost basis and does not
consider the gains and income that you have reinvested in your
holdings. Perhaps even more insidious is the fact that withdrawals from your
accounts are not reflected. If you are purchasing stocks when they move
lower in value and selling any of your securities when they move
higher, the securities reflected on your portfolio should always be
unimpressively black or green. Seeing red should not make you see red.

The WCM focuses on the purpose of the securities an investor holds. The
performance of income securities is evaluated by measuring growth in
income while the performance of equities is based on the amount of
capital gains dollars that profit taking adds to Working Capital. Even when
both investment markets are correcting to lower valuations,
contributions to Working Capital will continue. Working Capital will grow
constantly; the rate of growth will vary with rallies and corrections. If you
can embrace the WCM focus on non-market value issues, you will sleep
better in all markets.

Most investors are either preparing for or have arrived at the point in
time where they want their portfolio to provide the income they need
to retire or to fund other activities. The WCM assures that the asset
allocation will support the income production efforts, but only when the
actual cash withdrawals remain a smaller number than the total income.
If you withdraw more than you make, including any commissions that you
choose to treat as a flat fee, your Working Capital total will fall and
your portfolio's ability to produce a growing level of income will
fall with it. In most cases, the amounts you withdraw from your portfolios
are totally under your control and can be kept below the amount of
income produced. The longer you can keep it that way, the more secure your
retirement income will become.

Steve Selengut
http://www.sancoservices.com
http://www.valuestockindex.com
Professional Portfolio Management since 1979
Author of: "The Brainwashing of the American Investor: The Book that
Wall Street Does Not Want YOU to Read", and "A Millionaire's Secret
Investment Strategy"


Interesting Sports Fit Camp
By Shijina

Body of the Article : People find less time to do regular exercises and have balanced diet throughout. When a person fails to take care of his health, it ultimately results in body illness and overweight. Weightloss boot camp are conducted especially for the people who finds less time in enjoying the fun over their. Sports are one of the good ways of getting healthier and fitter. Most of the people have specific goal in their life time and they act accordingly with some sort of inspiration.

Sports & fitness are related to each other where people used to do exercise, so that it helps clients to be fit and healthier. More number of institutions is coming forward to offer the fitness retreat courses to the clients revolving around the world. The charges claimed for the program provided will be differed accordingly to the type of institution offering the service. Special fitness & sports camps are conducted all over the world to encourage the people to define themselves and to reduce the over weight caused due to over accumulation of fats presented in the body.

Here in sports fitness center, special exercise will be provided to the people initiating with more number of regular stuffs which helps not to strain their body too much. Good health, physical condition enhances long live to human and increases the life duration with healthier life. Different kinds of sports activities will be coached to the clients to make them sensible, enjoying and come up with reduction of body weight.
Special weight loss boot trainers will be employed in the institution where the service is offered to the people.

Well experienced, qualified and knowledgeable trainers are appointed, so that individual attention will be paid and service will be offered. Make sure that you have joined the best weight loss institutions where you can come across more number of matters. The special program is specially designed and offered for the kids, women and men who find better result by reducing their weight without losing of body energy. So, join the sports fitness camp offered and enjoy the benefit.

Resource Box/About the Author : shijina is the Seo copywriter of fit camp Site. she Written many articles like Boot camps, Weightloss Boot Camp, Live-In Fitness For More information about 8 Week Body Makeover Camps visit our site. Contact me at shijinaseo@gmail.com.



Prefer Best Brochure Printing Company
By Shijina

Body of the Article : Among the popular types of printing services, brochure printing fetches good demand in the market. Brochures are special sheet of paper where impressions will be made using four color processes. Generally, brochures are printed in two options either in digital process or using conventional offset process. The highest standard quality printing can be obtained in any number of quantities required by the customers for the prices payable by them.

It is a kind of publishing offered to the customers who requires the service throughout the world. The prices charged for publishing will differs accordingly as per the kind of publishing required for the customers. The main purpose of creating brochures is to advertise and to promote the business with specific needs. It is a piece of leaflet describing the business, purpose and service with promotional message. Generally, brochure comprises of description with images, text and designs or graphics to have clear view about the purpose of issuing the leaflet.

Brochure printings are excellent mode of publishing made by reliable companies to the customers. More number of companies is coming forward to offer the service uniquely throughout the world for prices affordable by the people. Advanced technology and innovation progressions are used by the industry to meet the requirements of the customers. High quality digital printers are used in brochure publishing, so that when people used to see it they get impressed from the way of issue. Color pamphlets are specialty and nowadays huge number of people started using for their purpose, since it is said to be very good advertising.

Whether you are creating for the purpose of trade show, seminar, meeting, any kind of listing like real estate and nay other sort of requirement, pamphlets serves the purpose. It is nothing but comprising various kinds of information has per the business purpose of the clients. The charges determined for brochure issuing will be more reasonable, so that customers of all ranges can avail the service offered. It will be published in different sizes, colors, quantity and designs as per the requirement of the people. The clients are suggested to investigate the best brochure publishing company in the area for reasonable prices payable. So, choose the best among the list available and make the service more valuable.

Resource Box/About the Author : Shijina is a SEO copywriter for Orange County printing service. She has written various articles like California Printing, CA Printing, irvine printing and more. For more information visit our site Los Angeles Printing . Contact her through mail at shijinaseo@gmail.com.



7 Killer And Proven Ideas To Use Your Autoreponders
By Izrul Fizal


A very eager visitor who has been surfing on the internet
suddenly happen to land on your website. After reading
through your sales letter, she is so excited because she
finally found what she has been looking for and is about
to make a purchase. However, Jack (her little brother)
who have nothing better to do than screwing his sister,
turn off the switch of her computer and run away. She is
so angry that she chase her little brother and forget
about your website.

Before you know it, you just lost your visitor who have
made her decision to buy your product. Now, there is no
way for you to follow up with her anymore. This all will
never happen if you have set up an autoresponder and capture
her email address. By doing this, you can still follow up
with her and in all probability, make the sale when the
poor girl finally scold her annoying little brother.

Autoresponders are remarkable programs that will work
24/7 and will never stop working for you. Talk about having
a very good and versatile stuff in your company. You will
have a higher percentage of making that crucial sales to
your customer who still not able to decide on the first
visit to your website.

Here are 7 ways to creatively use your autoresponder and
make it profitable for your business:

1. Publish a newsletter. A good writing is much needer
here. Your visitors who subscribe to your newsletter will
be inform about your products or services and maybe one
day finally decide to purchase whatever you have to offer
them. By doing a follow up, it will automatically build
your reputation as an authority on the particular business.

2. Publish a newsletter special for your affiliates. They
have trusted your products and decided to sell it to their
customers. If you offer your affiliates by providing them
with more tips, advice and techniques, it will be easy
for them to promote your business. Remember, a happy
affiliate will result in more sales for you.

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3. Write reviews of other related products from other
expert. If John have a nice software that will help a lot
of people in making more sales, write a review on it and
send it to your list. At the same time, you can provide
an affiliate link so that your lists will be able to have
a look for themselves on what John's software have to offer.
You can get some commission by selling other people's
product.

4. Distribute your articles. After writing your article
and distribut it to article directories, why not you send
that same article to your own lists so that they can read
it. This will help increasing your business credibility
and your lists will trusted your word even more. You can
also provide your affiliates the article you have written
so that they will be able to send it to their's lists.

5. Sell ads in your newsletter. This is a good way of
earning an additional income out of nothing. You simply
offer either solo ads or top and bottom ads to whoever
want to advertise their business to your lists. If you
have a responsive and large number of lists, people
will keep on buying your ads. This is the easiest way
to make more money out of a thin air.

6. Distribute an email course. Let's say you want to
teach your prospect on how to increase sales in less
than 1 week, write down the course and break it up
until it becomes 7 to 10 number of messages. By doing
this alone will have a good impact of your future sales
since your prospect sees you as a guru on a particular
business.

7. Distribut free reports. Whenever you have a new product
to sell, write a short report on it and distribute it to
your lists. Make sure you have written a good content inside
the report. Offer them more helpful information if they
buy the full report of the particular product. Please be
aware that the short report you have written are not sales
letters or you will likely lose a potential customer than
gain a sale.

As you can see, there are many ways for you to implement
to make full use of your autoresponder. Let your imagination
running wild, see if you can come out with more great ideas
of your own to increase more sales for your business.


Resource Box:

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Use These 3 Templates to Make Article Writing a Snap
By: Leo Lucianis


A great way to generate quality traffic to your website is
to submit good articles to ezine editors and publishers.
When you can apply this strategy properly it can drive a
steady stream of qualified prospects to your website.But
the question has always been, "How do I keep coming up with
subjects to write about?" I think we've all been there. I
definitely have. Fortunately I have been writing articles
offline for years. And one of the tips I picked up was to
have a few proven models to follow in order to make article
writing easier. Here are 3 of those outlines that have
helped me tremendously:

Template #1 - X Steps To...

In this outline you want to make sure you start with some
type of strategy or a way to solve your prospect's problem.
So imagine you have perfected a way to leverage remnant
newspaper space to place lead generation ads that bring a
horde of good traffic to your site. (You can actually do
this) Let's say you have turned this strategy into a 7 part
formula. Then the title of your article could be: "Bringing
Offline Traffic Online in Just 7 Simple Steps"

Then you just write out the 7 steps in a conversational
voice. Make sense? Tip: By breaking down your topic or
subject into digestible steps, you make it easier for your
readers to understand what you have to say. This
contributes to the success of your message. So when you
can, be sure to break up larger topics into smaller, easier
-to-filter steps. A good article quickly allows readers to
understand the enticing benefits of your strategy or
solution. So, "A Beautiful Garden in Just 7 Simple Steps,"
is more appealing than "Gardening Essentials".



2. Gimme the FAQ's...

2. Frequently Asked Questions

***

Question: What are the long term effects of Lasik?

Answer: Since the first procedure over 30 years ago, there
have only been a miniscule .07% of patients who have
experienced any kind of relapse or worsening of vision
after their procedures. Of this .07%, a majority of these
patients had prior eye conditions or eye injuries after
their procedures. In these cases, the worsening of their
vision had nothing to do with the actual Lasik Procedure.

Question: How soon after my procedure will my eyes be 100%
clear? And how soon can I get back to work?

Answer: 99% of our patients go back to work the very next
day. But please note that your vision may be a bit blurry
the first hour after your surgery. This is completely
normal.

Answer: You may experience some slight haziness during the
first hour. However, after a good night's rest, the
following morning you can start your first normal day with
perfect vision.

Question: How much does the procedure usually cost?

***

Does that structure make sense? Perfect. Then let's move on
to our third article outline.

3. A Personal Story, The Lesson, The Lesson For Your
Readers...

This is the easiest format to work with because the subject
of the article is about someone you know very well... YOU!
The outline is extremely simple to apply. Step one is to
tell a story about yourself. For example, let's say it was
the time you took a public speaking course in college and
you were so scared that you almost walked out in the middle
of the first class. But you stuck it out, and put in a lot
of hard work and effort. Sure enough, a few years later you
found yourself applying the skills you learned in that
class, speaking regularly in front of hundreds of people
for business, and getting standing ovations regularly.

Second, share the lesson you learned: You realized, what
separates successful people from unsuccessful people is the
ability to step into uncertain situations with boldness,
knowing that there is never a "perfect" time to take
action. And you carried that lesson with you into all other
areas of your life, making a habit of pushing your
boundaries and your comfort zone, because there is no "100%
Money Back Guarantee" attached to life.

Third, switch the focus to your readers, as a lesson for
them to take away. Challenge them to take your lesson to
heart. That's it. Easy and fun, right?

I've used these three article models on countless
occasions. And they have served me well. While these are a
good start, I urge you to look for your own, as there are
dozens more out there that may suit you better. Regardless,
think about setting up some article writing templates, so
you can save yourself a lot of aggravation, and instill
your articles with precision and clarity. By