Investing in the Stock Market for the Individual Investor

Foreword

Over the past few years the stock market has made substantial declines. Some short term investors have lost a good bit of money. Many new stock market investors look at this and become very skeptical about getting in now.

If you are considering investing in the stock market it is very important that you understand how the markets work. All of the financial and market data that the newcomer is bombarded with can leave them confused and overwhelmed.

The stock market is an everyday term used to describe a place where stock in companies is bought and sold. Companies issues stock to finance new equipment, buy other companies, expand their business, introduce new products and services, etc. The investors who buy this stock now own a share of the company. If the company does well the price of their stock increases. If the company does not do well the stock price decreases. If the price that you sell your stock for is more than you paid for it, you have made money.

When you buy stock in a company you share in the profits and losses of the company until you sell your stock or the company goes out of business. Studies have shown that long term stock ownership has been one of the best investment strategies for most people.

People buy stocks on a tip from a friend, a phone call from a broker, or a recommendation from a TV analyst. They buy during a strong market. When the market later begins to decline they panic and sell for a loss. This is the typical horror story we hear from people who have no investment strategy.

Before committing your hard earned money to the stock market it will behoove you to consider the risks and benefits of doing so. You must have an investment strategy. This strategy will define what and when to buy and when you will sell it.
History of the Stock Market

Over two hundred years ago private banks began to sell stock to raise money to expand. This was a new way to invest and a way for the rich to get richer. In 1792 twenty four large merchants agreed to form a market known as the New York Stock Exchange (NYSE). They agreed to meet daily on Wall Street and buy and sell stocks.

By the mid-1800s the United States was experiencing rapid growth. Companies began to sell stock to raise money for the expansion necessary to meet the growing demand for their products and services. The people who bought this stock became part owners of the company and shared in the profits or loss of the company.

A new form of investing began to emerge when investors realized that they could sell their stock to others. This is where speculation began to influence an investor’s decision to buy or sell and led the way to large fluctuations in stock prices.

Originally investing in the stock market was confined to the very wealthy. Now stock ownership has found it’s way to all sectors of our society.
What is a Stock?

A stock certificate is a piece of paper declaring that you own a piece of the company. Companies sell stock to finance expansion, hire people, advertise, etc. In general, the sale of stock help companies grow. The people who buy the stock share in the profits or losses of the company.

Trading of stock is generally driven by short term speculation about the company operations, products, services, etc. It is this speculation that influences an investor’s decision to buy or sell and what prices are attractive.

The company raises money through the primary market. This is the Initial Public Offering (IPO). Thereafter the stock is traded in the secondary market (what we call the stock market) when individual investors or traders buy and sell the shares to each other. The company is not involved in any profit or loss from this secondary market.

Technology and the Internet have made the stock market available to the mainstream public. Computers have made investing in the stock market very easy. Market and company news is available almost anywhere in the world. The Internet has brought a vast new group of investors into the stock market and this group continues to grow each year.
Bull Market - Bear Market

Anyone who has been following the stock market or watching TV news is probably familiar with the terms Bull Market and Bear Market. What do they mean?

A bull market is defined by steadily rising prices. The economy is thriving and companies are generally making a profit. Most investors feel that this trend will continue for some time. By contrast a bear market is one where prices are dropping. The economy is probably in a decline and many companies are experiencing difficulties. Now the investors are pessimistic about the future profitability of the stock market. Since investors’ attitudes tend to drive their willingness to buy or sell these trends normally perpetuate themselves until significant outside events intervene to cause a reversal of opinion.

In a bull market the investor hopes to buy early and hold the stock until it has reached it’s high. Obviously predicting the low and high is impossible. Since most investors are “bullish” they make more money in the rising bull market. They are willing to invest more money as the stock is rising and realize more profit.

Investing in a bear market incurs the greatest possibility of losses because the trend in downward and there is no end in sight. An investment strategy in this case might be short selling. Short selling is selling a stock that you don’t own. You can make arrangements with your broker to do this. You will in effect be borrowing shares from your broker to sell in the hope of buying them back later when the price has dropped. You will profit from the difference in the two prices. Another strategy for a bear market would be buying defensive stocks. These are stocks like utility companies that are not affected by the market downturn or companies that sell their products during all economic conditions.
Brokers

Traditionally investors bought and sold stock through large brokerage houses. They made a phone call to their broker who relayed their order to the exchange floor. These brokers also offered their services as stock advisors to people who knew very little about the market. These people relied on their broker to guide them and paid a hefty price in commissions and fees as a result. The advent of the Internet has led to a new class of brokerage houses. These firms provide on-line accounts where you may log in and buy and sell stocks from anywhere you can get an Internet connection. They usually don’t offer any market advice and only provide order execution. The Internet investor can find some good deals as the members of this new breed of electronic brokerage houses compete for your business!
Blue Chip Stocks

Large well established firms who have demonstrated good profitability and growth, dividend payout, and quality products and services are called blue chip stocks. They are usually the leaders of their industry, have been around for a long time, and are considered to be among the safest investments. Blue chip stocks are included in the Dow Jones Industrial Average, an index composed of thirty companies who are leaders in their industry groups. They are very popular among individual and institutional investors. Blue chip stocks attract investors who are interested in consistent dividends and growth as well as stability. They are rarely subject to the price volatility of other stocks and their share prices will normally be higher than other categories of stock. The downside of blue chips is that due to their stability they won’t appreciate as rapidly as compared to smaller up-and-coming stocks.
Penny Stocks

Penny Stocks are very low priced stocks and are very risky. They are usually issued by companies without a long term record of stability or profitability.

The appeal of penny stock is their low price. Though the odds are against it, if the company can get into a growth trend the share price can jump very rapidly. They are usually favored by the speculative investor.
Income Stocks

Income Stocks are stock that normally pay higher than average dividends. They are well established companies like utilities or telephone companies. Income stocks are popular with the investor who wants to own the stock for a long time and collect the dividends and who is not so interested in a gain in share price.
Value Stocks

Sometimes a company’s earnings and growth potential indicate that it’s share price should be higher than it is currently trading at. These stock are said to be Value Stocks. For the most part, the market and investors have ignored them. The investor who buys a value stock hopes that the market will soon realize what a bargain it is and begin to buy. This would drive up the share price.
Defensive Stocks

Defensive Stocks are issued by companies in industries that have demonstrated good performance in bad markets. Food and utility companies are defensive stocks.
Market Timing

One of the most well known market quotes is: “Buy Low - Sell High”. To be consistently successful in the stock market one needs strategy, discipline, knowledge, and tools. We need to understand our strategy and stick with it. This will prevent us from being distracted by emotion, panic, or greed.

One of the most prominent investing strategies used by “investment pros” is Market Timing. This is the attempt to predict future prices from past market performance. Forecasting stock prices has been a problem for as long as people have been trading stocks. The time to buy or sell a stock is based on a number of economic indicators derived from company analysis, stock charts, and various complex mathematical and computer based algorithms.

One example of market timing signals are those available from www.stock4today.com.
Risks

There are numerous risks involved in investing in the stock market. Knowing that these risks exist should be one of the things an investor is constantly aware of. The money you invest in the stock market is not guaranteed. For instance, you might buy a stock expecting a certain dividend or rate of share price increase. If the company experiences financial problems it may not live up to your dividend or price growth expectations. If the company goes out of business you will probably lose everything you invested in it. Due to the uncertainty of the outcome, you bear a certain amount of risk when you purchase a stock.

Stocks differ in the amount of risks they present. For instance, Internet stocks have demonstrated themselves to be much more risky than utility stocks.

One risk is the stocks reaction to news items about the company. Depending on how the investors interpret the new item, they may be influenced to buy or sell the stock. If enough of these investors begin to buy or sell at the same time it will cause the price to rise or fall.

One effective strategy to cope with risk is diversification. This means spreading out your investments over several stocks in different market sectors. Remember the saying: “Don’t put all your eggs in the same basket”.

As investors we need to find our “Risk Tolerance”. Risk tolerance is our emotional and financial ability to ride out a decline in the market without panicking and selling at a loss. When we define that point we make sure not to extend our investments beyond it.
Benefits

The same forces that bring risk into investing in the stock market also make possible the large gains many investors enjoy. It’s true that the fluctuations in the market make for losses as well as gains but if you have a proven strategy and stick with it over the long term you will be a winner!

The Internet has make investing in the stock market a possibility for almost everybody. The wealth of online information, articles, and stock quotes gives the average person the same abilities that were once available to only stock brokers. No longer does the investor need to contact a broker for this information or to place orders to buy or sell. We now have almost instant access to our accounts and the ability to place on-line orders in seconds. This new freedom has ushered in new masses of hopeful investors. Still this in not a random process of buying and selling stock. We need a strategy for selecting a suitable stock as well as timing to buy and sell in order to make a profit.
Day Trading

Day Trading is the attempt to buy and sell stock over a very short period of time. The day trader hopes to cash in on the short term fluctuations in a stock’s price. It would not be unusual for the day trader to buy and sell the same stock in a matter of a few minutes or to buy and sell the same stock several times a day.

Day traders sit in front of computer monitors all day looking for short term movement in a stock. They then attempt to get in on the movement before it reverses. The real day trader does not hold a stock overnight due to the risk of some event or news item triggering the stock to reverse direction. It takes intense concentration to monitor the minute by minute movement of several stocks.

Day trading involves a great deal of risk because of the uncertainty of the market behavior over the short term. The slightest economic or political news can cause a stock to fluctuate wildly and result in unexpected losses.

There are a few people who make respectable gains day trading. The people who probably make the most are the self proclaimed “experts” who sell the books or operate the web sites that cater to the day trader. Because of the profits to be made from sales to people who want to get rich quick, they make it seem as attractive as possible. The truth is that in the long run more people lose than gain by day trading. This does not translate into a very good investment.

Author Bio
Harry Hooper has over 30 years experience in portfolio management. He is the senior stock tracker for http://www.stock4today.com.

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Life Insurance - Money Saving Top Tips

More and more people are buying life insurance online and the numbers seem to be doubling every two years. The reasons are clear. Prices are lower on the Internet and life insurance is fundamentally a simple insurance product.

Despite the underlying simplicity of life insurance, most web sites channel their online clients through a telephone based help and advice service manned by experienced personnel. They represent your safety net so if a little technical knowledge is called for, help is at hand.

But it’s always a good idea to have a few Top Tips in your back pocket when you’re shopping online for life insurance. They’ll help you ask the right questions and find the best policy.

1. Always have your Life Insurance policy “Written in Trust”.

This means that in the event of a claim, the money goes directly and immediately to the person(s) you nominate when you first take the policy out. It also avoids all possibility of your estate having to pay Inheritance Tax on the proceeds of your policy and that could represent a 40% tax saving !

All you have to do is tell the online brokerage organising your policy that you want your policy “Written in Trust” and the names of the people who the life insurance company pay in the event of a claim. They will then sort it all out for you. The extra good news is that this service is invariably free of charge. So it’s a win win situation and there aren’t many of those around these days !

2. In the early years a Reviewable Life Insurance Policy will be cheaper but a Guaranteed Policy will work out a better buy in the longer term.

With a “Guaranteed Policy” the insurance company guarantees never to increase your policy’s premium.

With a “Reviewable Policy” you agree that your insurance company can review the cost of your policy at regular intervals. But don’t be kidded - in our experience a “review” is just another word for a price increase. After all, who’s ever heard of an insurance company passing up a chance to charge you more! The review intervals are usually between 2 to 5 years but this does vary between insurance companies. You will find the details of the review intervals on the documents sent to you before you accept the insurance - these are called The Key Features Documents.

So, comparing otherwise like for like policies, in the early years the premiums for a “Reviewable Policy” will undoubtedly be lower than the premiums for a “Guaranteed Policy”. Thereafter, the premiums for a Reviewable Policy increase eventually catching up with and overtaking, the premium for a “Guaranteed Policy”.

In our experience, you can expect the monthly premiums for a Reviewable Policy to exceed those of a Guaranteed policy in about 7 to 10 years and then within the following 10 years, more than double again. If your budget is currently tight then by all means choose a Reviewable Policy - after all your salary may increase in coming years and ease the strain. On the other hand, if the premiums for a Guaranteed Policy are affordable, we think they represent your best buy.

A footnote. Many insurance companies have stopped offering “Guaranteed” rates for standalone critical illness insurance policies. This because they have experienced much higher claim rates than they initially expected. However, you may still find a Guaranteed life insurance policy that also provides critical illness cover. As we have explained, “Guaranteed” rates are especially good value and if you can get a quote for a Guaranteed life policy that includes critical illness cover, you may have a real bargain.

3. Thinking about a Joint Life Insurance Policy?

A Joint Life Insurance policy is usually written on a first death basis. This means that the policy will pay out on the death of the first policyholder, subject to the policy being in force at the time. This leaves the second person uninsured and older. Older people can struggle to get life insurance at an affordable premium, so rather than a Joint Policy consider taking out separate policies now. Overall it will work out a little dearer - but you get twice the cover and double the peace of mind.

4. Taking out a Life Insurance Policy? Now would be an ideal time to include Critical Illness cover.

Are you likely to need Critical Illness Insurance in the future? Yes? Then consider adding it now to the life insurance policy you’re arranging. Why? There are three reasons.

Firstly, a Life Insurance policy combined with Critical Illness cover will work out significantly cheaper than buying two separate policies. Secondly, as we have already explained in the footnote to Tip 2, you may be able to buy a combined Life and Critical Illness policy with a guaranteed premium. That could be a real bargain. Finally, premiums for critical illness cover increase rapidly as you get older - so the sooner you take it out, the cheaper it will be.

5. Don’t confuse Terminal Illness cover with Critical Illness cover.

There’s world of difference between Terminal Illness and Critical Illness cover so it’s important to understand the difference.

Terminal Illness cover pays out the insured lump sum if a Medical Doctor diagnoses you with an illness from which the Doctor expects you to die within 12 months. Most good life policies automatically include Terminal Illness cover at no extra cost. It’s basically an early, and welcome policy payout.

A Critical Illness policy pays out the insured lump sum if you are diagnosed with one of a wide range chronic illness and there is no life expectancy criteria. Indeed, with many of the insured illnesses you could expect to survive for many years. For example: certain cancers, heart disease, stroke, multiple sclerosis, loss of speech, sight or hearing, onset of Parkinsons or Alzheimers disease, third degree burns etc. Say you were an engineer aged 40 and you lost your sight. A Critical Illness policy would pay out immediately and that money could well be vital in helping you and your family through many difficult financial years ahead. If you just had Terminal Illness cover there’d be no chance of a payout.

So as you can see, Critical Illness cover is far more comprehensive than simple Terminal Illness cover and for that reason critical illness cover always costs you extra.

Author Bio
Michael Challiner has 15 years experience in financial services marketing at senior level, the last 5 of which specialised in online marketing. Prior to that he spent 15 years in advertising with two of the world’s top advertising agencies, J Walter Thompson and Saatchi & Saatchi.

Michael now works as the editor of Express Life Insurance on behalf of Andromeda Webs Ltd

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20 Minute Home Work Out

If you are busy, not able to get up early morning or have no time for gym just follow this 20 minute home work out to stay healthy and fit.

1) Jog : in one place for 3 minutes

2) Jumping jacks: 25 repeats
When landing, bend your knees slightly to reduce the impact on knee joints.

3) Crunches : 15 repeats
Lie flat on your back with your knees bent. Place your hands behind your head with elbows pointing outwards. Support your neck with your hands. Keep your neck in a straight line with your spine. Flex your waist to raise the upper torso from the mat. Lower yourself until the back of your shoulders touches the mat.
Muscle worked: rectus abdominis

4) Hip Bridges : 10 repeats
Lie on your back. With your hands at a 90 degree angle to the floor, lift your body off the floor to form a straight line, a sort of a bridge, from the shoulders to the knee. The position should resemble a table. Your hands and legs as the legs of the table and your upper body to your knees as the surface. Hold this position for two seconds. Squeeze your gluteus (butt muscles) and then lower yourself.
Muscle worked: Lower back, hamstrings and gluteus.

5) Step - up’s : 1 minute
You will need a stepper for this.
Muscle worked: hamstrings, gluteus, quards.

6) Reverse crunches: 15 repeats
Lie on your back with your hands on your sides. Keep you knees bent. Bring your knees towards your head, till your hips come slightly off the floor. Hold this position for a second, and then lower your knees.
Muscle worked: lower abs and obliques.

7) Mountain climbers : 1 minute
Get your hands and knees and raise your knees like a starting block sprinter. Run in that position, supporting your upper body with the palms of your hands. Keep your back straight.
Muscle worked: triceps, deltoid muscle, gluteus, quards, hamstrings, calves.

Push - ups : 15 repeats
Muscle worked: triceps, deltoids, pectorals.

9) Squat thrusts: 1 minute
Stand straight. Now, drop to a crouch position. Immediately thrust your legs out straight behind on your toes, in push up position, now jump to pull legs back to the chest, in crouching position , then stand up straight,
Muscle worked: arms, legs, chest, and lower back.

Cool down by walking around, till your heart rate starts getting back to normal, stretch.

A minutes rest is needed in between exercise. Proper form is important. Do not hold breath. Sip water during the workout. This workout targets the whole body, improves cardiovascular efficiency and tones and strengthens the body.

Author Bio
Diana for http://www.health-care-information.org Offers information on various health topics such as diseases, injuries, and medical tests.

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Online Degree Programs

An online university degree can help to increase one’s chances of earning a higher income from a job, instead of settling for a position that will limit them because of lack of education. Online university degree offers wide variety of online programs; such as Undergraduate, Graduate, Doctorate, and Professional courses. The specific courses offered include disciplines such as business management and administration, criminal justice, health, information technology, nursing, education, human resources, call center professional training, and project management.

Studying on the Internet is a convenient way to earn an education because it won’t interfere with work and saves time and energy. Online university degrees can help students to pace themselves and get needed schooling while still enjoying life. The classes offered through an online university degree might only require a minimal amount of work during the week as opposed to classes at a regular college. That can be an added benefit so as not to overload the student’s schedule.

Internet programs can be helpful because their courses are designed to interact with professors on an email or Internet basis, instead of being engaged in class work and group projects which is a time consuming process for the workers and employers. Those falling into this category might benefit from pursuing an Internet degree. There are numerous websites that offer profiles for different colleges and universities, including web universities.

Web studies can be a blessing to those who desire to use their time and talents in the required period. They work hard and might be serving in remote countries that don’t have schools near them. That’s where an online university degree can be a great asset.

There is a wide choice of online courses that are offered by various colleges and universities. Some of the courses offered are general, while others are specific. It is therefore important that you survey all the options available, and then identify the course that is best suited to your requirements and the university that is best equipped to provide you with an in-depth learning of the course. Ensure that the teaching faculty for the course of your choice is qualified and that all necessary technical support will be provided to you in your online communications with the Institute.

After having decided your specific course and the learning center, you need to open a channel of communication with the institution. Each institution can provide the student with specific requirements. An online degree program may include purchasing textbooks or purchasing an e-book which allows the student to access the book online, usually at cheaper costs. Through an online degree program, links might be provided in the course syllabus allowing for additional instruction or templates to use to complete class assignments. Do a search on the Internet today for online degree programs and find out the vast opportunities available to anyone possessing a computer and Internet service. Attending an online university is a legitimate, convenient, and flexible way for you to advance you education, as well as your career and personal potential.

Author Bio
This article has been published by Kateri White currently writing on online degree programs topics for our website www.onlineuniversitydegreeprogram.info. For more details about the online degree programs, please visit our website. If any mistake found please mail us at kateriwhite@gmail.com

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Logo Design and Branding - Points to Remember

By: Ray Smith

A good logo design is highly instrumental in establishing a business brand and creating a long lasting impression among its customers. It should be able to create a powerful impact on the viewers and successfully exude the nature and attitude of a business. Ideally, a company logo design should be able to communicate your company ethos, principles, mission and the nature of product/service offered, to the viewers.

A professional logo design would establish a professional image of your company and strengthen your brand. Actually, in most cases the consumer gets the first impression about the company through your logo. Your business logo should build a brand that is strong enough to give your consumer a visual imagery of your company. People should be able to identify your company on sight of your logo.

Trend shows, most of the good logos are simple and often text based. Think of the IBM, SONY or Microsoft logo, even if you view a part of it you will be able to recognize the company. It is extremely essential for a logo to be easy for people to remember.

This principle of simplicity applies n most cases, however, we often see exceptions in Government Organizations, Hotels and Luxury resorts etc because they want to put up a classical exclusive image. This again brings us to a very important point that should be considered for a good logo design - the nature of business.

While simplicity can be the basic principle for any logo design, the designs might vary widely depending on the nature of business. For example, a financial institution might like to use a bold face font to express solidarity and stableness where as a courier service or transport company might prefer italicized fonts to express the speed and movement involved in their business.

In addition, while specifying the design requirements for your logo you should consider the fact that you will probably have to use your logo on your fax cover and other places where it will be in black and white. You should ensure that your logo looks equally good and attractive in black and white.

I would also suggest avoiding a very trendy look for your logo if you are planning for a long-term business because what we concern “modern” today might be backdated tomorrow. It is very important that your logo designer knows how to maintain this balance.

While any professional logo designer should be able to create a custom logo design once you have provided them with your specifications, you should be careful to select an experienced designing company and not land up with some single designer start up venture.

Last but not the least important factor is price. You are paying for your logo - something that is going to be used to establish your brand and represent your business for years, so you should be ready to pay a decent amount while it is also not necessary to pay some big amount like $350 for a logo. With the online logo design firms coming into business, now you have a wide choice of price for your logos and it should not be difficult to find a logo designer that fits your budget. Some logo design sites would even allow you to quote your own price for your logo.

If you have still not got a logo for your business or are not happy with your existing logo, it’s time you get your new logo. Wish you lucked with your logo hunt.

Author Bio

Ray Smith is a marketing Expert with years of experience in different industries and specialized knowledge on branding and Internet marketing.
Custom Logo Design

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How to Use Magnetic Marketing to Massively Multiply the Results of Your Advertising

It works without fail, every time. It can work with everything you are selling or promoting. It works on the principle of giving before receiving, and of offering more in value than you are getting in cash. Your prospect must perceive an increase for themselves in order to want to interact with you. Magnetic marketing is the technique that does this. Then this same technique is used to convert a prospect to a sale or business partner.

What is magnetic marketing? It is a process of attracting leads to you by offering them something of value first. Using ezine classified advertising and solo ads for an example, don’t try to close the deal all at once by attempting to drive your prospect to your website. Instead, start by giving the targeted prospect an offer they can’t refuse.

Using my own business ad copy as an example, here is an ad I ran before I had put the magnetic marketing technique together for this business that is an example of NON magnetic marketing:

Catch the Buzz - Discover Revolutionary Health and Wealth!
As seen on TV Superfood is now yours to use and make $$ with
Low cost! No personal sponsoring to make money! No minimum!
Weekly Pay, 100% Matching Bonus, 2×7 matrix, Incredible Team
Visit and learn more right now: acai-4life.com

Admittedly, the ad copy is not my best, written off the cuff right when I had started with this new company. However this kind of advertising can and does work, don’t get me wrong! The thing is, it is only a trickle of results compared to the massive results you can get by incorporating magnetic marketing into your business model.

The main problem with this and so many other ads is: they all really want the prospect to get excited and ‘click here’ without offering anything in return to really motivate them.

For about $50 my ad ran and is right now still running to about 6 million ezine subscribers - with an audience that is mostly small business and internet related. I got and am still getting that trickle of results.

Now how about transforming it into a magnetic marketing campaign?

Take that same $50 and micro-target your audience. Since my company pays quite well with retail sales I could find health-related ezines. Then you can either purchase classified ads or solos. Even with a small subscriber base of two or three thousand, you will get a lot of leads and sales. Your new magnetic marketing will now have ad copy reading something more like this:

Did you know Free Radicals Accelerate Aging and Cause Cancer?
Discover everything you NEED to know about the massive damage
they cause, & the most essential antioxidants needed to fight them.
Learn little known secrets of health, anti-aging and disease
prevention in this free e-course: vitalhealth@robotreply.com

(If you like, you can subscribe, the email address and series are real).

What makes this ad now magnetic is that instead of trying to ‘make the sale’ of even driving your prospect to your website right away, your prospect now has the drive to contact you. In doing this, they become your lead.

They want to receive valuable information on a topic that interests them. They are plugged into your autoresponder and at the bottom of each valuable article in the series you send them, you drive them to your website. They now see you as a valuable provider of information and are more inclined to visit your website and do business with you.

Magnetic marketing works in any type of business or niche category. Give it a try. Put together some relevant content and make a valuable series for your prospects to subscribe to. Your business provides the solution to someone’s problem. Create a series of informative articles, reports, or ebooks that provides in depth information on the problem and solution.

Create an ad that addresses that problem, and propels the prospect to obtain the vital information you will give them for free that is the solution to their problem. Apply this to your marketing campaigns - by offering something of value to your prospects your magnetic marketing will massively multiply your advertising responses, leads and sales.

Author Bio
Carina MacInnes is a writer and small business owner. She offers a customized model of magnetic marketing for her partners to copy. Her unique product has the most powerful natural Brazilian antioxidants and nutrients for anti-aging and revitalized health. For info on how to make money using and distributing this product, click here: imagineacai.com

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Making a Splash with Water Features in the Garden

Want to add additional charm and tranquility to your garden? Incorporate a water feature. No matter what size or type of garden you have, there are a number of water features that will fit into any design or space, as well as any budget. A garden pond can add special qualities to nearly any landscape.

Vinyl or fiberglass pond liners are widely available at garden centers or through water garden suppliers. These come in a variety of sizes which offer flexible options to easily suit your particular needs. They can also be placed either above or below ground so if your space cannot accommodate a large water pond, such as with balconies, containers make excellent alternatives.

Nearly any type of watertight container can be easily transformed into a miniature garden pond. If it’s not watertight, PVC liners are available at most garden centers which will help to waterproof your container. Half-wooden barrels and galvanized washtubs are the most commonly used.

Place your pond in a location that receives at least 4-6 hours of full sun. Make certain that your site is leveled off as well. If your space permits, stick your mini pond in the ground to help minimize the chances of it freezing over. Dig out the soil, keeping it large enough for your pond liner or container to fit into. Level off the bottom and add an even layer of sand. Place the liner or container inside and fill in around it with the excavated dirt. Add some water and approximately 3-5 plants, depending on the size of your pond. Water lilies, cattails, water hyacinths, and sweet flag are exceptional choices. Conceal the outer edges of your pond with additional moisture-loving plants and rocks for further interest.

Moving water adds character to the garden, and both waterfalls and fountains make pleasant accents. Garden centers and professional pond retailers offer many types of easy, do-it-yourself kits that fit nearly any budget or garden design.

Waterfalls can flow over rocks or run down retaining walls. They can be formal or informal. There are numerous resources available for waterfall ideas; however, different landscapes will affect the overall design. Therefore, to achieve a successful waterfall design, be sure to choose an area and design that will fit into your specific landscape.

Fountains always make wonderful additions to any type of setting, and fountain kits can make this possible. Fountains come in an array of choices to suit your personal preferences; they can splash, gurgle, spray, drip, etc. You can place your fountain just about anywhere. For instance, the bottom of a small pond or even a large container such as an urn, planter, barrel, or strawberry jar can create stunning homes for your fountain. Place the fountain pump in the bottom of your pond or container and follow the instructions included with your kit. Enhance the fountain with stones, pebbles, and plants.

Hollowed-out bamboo canes can also be transformed into serene water features. For example, drill some holes in various areas along the cane. Attach the cane, in an upright position, to a submersible pump placed in the bottom of a large container, such as a half-wooden barrel. Fill with water, plug it into a nearby outlet, and relax to the soothing sounds of water trickling from the cane.

You could also place a stone basin among a group of plantings. Make sure the basin is large enough to catch water. Hollow out 3/4 of a bamboo cane and cut this into two varying lengths, one long and one short, with the shorter piece hollowed only halfway. Slightly angle the hollowed end of the short cane (this is where the water runs out). Meanwhile, place a submersible pump in a reservoir behind the basin and secure in place using stones. Insert vinyl tubing through the large piece of cane, fastening the bottom part to your submersible pump. Drill out a hole near the center of the small piece of bamboo just large enough to fit the top of the larger piece inside, running the remainder of vinyl tubing through the small cane. Once secure, seal this with a waterproof sealant such as caulking (clear). Conceal the reservoir with plants. Fill both the basin and reservoir with water, plug it up, and enjoy its soft trickle effect.

If ponds, waterfalls, or fountains are not your thing, even the most subtle of water accents, such as basins and birdbaths, can add a sense of peace to your garden. Birdbaths can be nothing more than a shallow dish of water sitting on an over-turned container.

There are endless ways to add water to your landscape; simply use a little creativity and see what happens.

Author Bio
This article was written by Nikki Phipps and sponsored by Gardening Know How, your source for gardening information. Reproductions of this article are encouraged but must include a live link back to www.gardeningknowhow.com

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A New Type of Home that Leaves Your Wallet Fatter and Your Life Easier to Manage

A home for the 21st Century is not about the latest in gadgets and wireless alarms, internet connections or top of the line intercom system. It is about strength, comfort and energy efficiency.

Baby Boomers are buying their last home and they know what they want.

Enter a new type of home. A home that stands up to fire, noise, sun, wind, rain, snow, bugs, mould and inevitable acts of God like, earthquakes and hurricanes; a home that gives you unprecedented comfort and a breath of fresh air 24 hours a day; a home that can resist hurricanes in Florida as well as sub artic temperatures in the Canadian North.

Imagine an airtight, steel reinforced concrete cube with about 3 inches of styrofoam insulation on both sides of the wall and body temperature heated floors.

Fresh air from the outside enters the house through a series of pipes buried 5 feet below the ground where there is always a constant temperature - 8 Degrees Celsius.

If you really wanted you could open high efficiency Low-E Argon filled windows, but why would you want to?

During the summer the incoming air is pre-cooled; during the winter it is pre-warmed. The flow is strictly controlled, pre-conditioned and filtered for a breath of fresh air - 24 hours a day.

Computer modeling of this type of air pre-conditioning shows that just this one idea saves 11% on heating and cooling costs comparable to conventional venting system.

This new type of luxury home is built as a combination of some of the newest technologies in modern home building: Insulated Concrete Form (ICFs), radiant floor heating, a tank-less water heater and a low energy consumption air conditioning system (that that you may need to use but very rarely).

The outside walls, which are built out of steel reinforced concrete make this home wind and fire resistant, bug and mould resistant and provide excellent protection from hurricanes, tornadoes and earthquakes.

Outside voices, traffic noises and police sirens are muffled by the walls thickness which allows you to sleep soundly every night. Gone are floor squeaks, drafts and the rattling of glass in your china cabinet.

Because of the exceptional insulation of insulated concrete forms, there is significant ongoing savings in energy costs and greatly increased comfort levels for the homeowner. The savings are anywhere from 35% to 60% depending mostly on the style of home and the size and type of windows.

Features, such as a high (92%) efficiency tank-less water heater heats the whole home, while providing an endless supply of potable hot water.
It turns itself on when you turn your hot water tap, therefore there are no standby losses as with a conventional hot water heater. This equals approximately 25% of energy savings just to heat your hot water.

It is also easy to incorporate a full solar heating, so you can achieve a complete independence from the grid.

This type of home costs only about 10% more than a comparable wood framed home and considering a long term savings, comfort and security why would anyone build homes differently is a merited question.

If you are thinking of building, or simply want to see for yourself what all the fuss is about, the model home can be viewed on Jan 15, and every Saturday after that until the month of April. It is located on 252 Pearson St. by the golf course in Meaford, Ontario.

Author Bio
Harvey Juric CEO of ICFhome.ca has been building Insulated Concrete Form custom homes in Ontario since 1995. For more information about the model home, Insulated Concrete Forms or Radiant Floor Heating contact ICFhome.ca by telephone 519 843-7612, e-mail info@icfhome.ca, or visit their web site at www.ontario-home-builder.com or www.luxury-home.ca

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Introduction to Internet TV

You use the Internet and, of course, you watch television, but have you ever tried Internet television?

Most people are unaware of one of the more recent developments in interactive Internet use. This new technology brings all the benefits of the Internet and television together to create your own personalised viewing experience. In simple terms Internet television means that you can watch TV straight from your laptop or desktop PC.

Internet TV allows you to you maximize the use of your computer and your Internet connection. I expect you have probably thought that there must be more you could do with your personal computer or laptop. You know that typing the occasional letter, transferring your MP3 collection to your iPod or playing the odd game or two online is hardly making use of its full potential. Now you can explore a trusted method of entertainment with access to unlimited viewing and you don’t even have to stop your usual computer activities.

If you are someone who can’t get enough of watching programs on television, think about how Internet television will open up new options for free viewing. You can catch up with current news stories, watch real time sports action, keep up to date with stock market movements or enjoy a little light comedy. You are provided with a wide variety of entertainment possibilities that continues to grow, gaining in popularity every day.

At the time of writing, FIFA World Cup 2006 is just around the corner and, for many, Internet TV will provide access to free live football streams. Viewers will be able to keep up with the latest action from all the international football games involving teams including Brazil, Argentina, France, England and many more. Japan’s third largest TV broadcaster, Tokyo Broadcasting System, has recently announced plans to air World Cup programmes over the Internet and on mobile phones.

If you use the Internet for any kind of research (even if it’s only helping the kids with their homework), you no longer have to view what you find in the usual format of text and pictures. Now you can see this information through streams of live or pre-recorded video enabling you to see details that simply wouldn’t be visible in a series of pictures.

5 Features of Internet Television:

1. Stations are available internationally. Currently over 150 countries have Internet access so you can rest assured that your country has at least one Internet TV station you can watch.

2. No additional hardware is required. In the past, watching television on your computer would require the fitting of a PC TV card but this is no longer necessary. Improvements in the telecommunications industry have made broadband connections more widely available and cheaper than ever before allowing more and more people to view high quality streaming media on their computer.

3. Anyone with an Internet connection can watch. A minimum connection speed of 56K is recommended and watching at this speed should give you a reasonable picture. Higher connection speeds will improve the picture quality (dependant on the server capabilities) and the fastest connections can enable you to view programmes in DVD quality.

4. New channels are added all the time. Major players in the Internet industry have recently started showing significant interest in this rapidly expanding market. Google is developing Google TV and has signed up American channel UPN and is in talks with the BBC in the UK to provide content. AOL is launching IN2TV which will show thousands of hours of programmes from Warner Brothers across 6 different channels and Yahoo has plans to show Internet TV in Japan which could lead to a worldwide service if successful.

5. Personalize your experience. Normal televisions have fixed channels which depend on the local stations or the cable operators. Internet television gives you the opportunity to bookmark your favorite stations so you can get back to them quickly without having to flick through everything else available. There is usually the option of viewing in either full screen mode or in a smaller window enabling you to get on with other things on your computer while watching.

You too can enjoy all the benefits of Internet television. The world really is at your fingertips now you have discovered this new, hassle-free way of watching TV.

Author Bio
Rodney Garrett runs a website about Internet TV and maintains a regularly updated ebook that lists many of the channels you can watch free of charge. Visit www.free-tv-on-your-pc.co.uk for further information or to download your free copy of the ebook, go to www.free-tv-on-your-pc.co.uk/members/download.php.

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Creating a Memory Book through Scrapbooking

The art of Scrapbooking has become very popular. Scrapbooking allows you to create memory books that are so much more than the old standard, boring photo albums of yesterday. Using the immense supplies available for you to choose from in your Scrapbooking, you can create memory books that reflect not only your personality: but that also help you to capture the true “essence” of those special memories you want remembered forever.

You can begin making your memory scrapbook, sure to become a treasure to be shared from generation to generation with basic materials like patterned paper, rubber stamps, patterns, stencils, stickers, serrated- scissors, and the photos you already have. This is just a small example of the many supplies that are available for you to choose from in creating your memory book. You can find Scrapbooking supplies online and in many malls and outlet stores today. Software programs are also available to help you design the perfect memory book for your precious memories.

Begin by looking at a photo; recall the memories and feelings that arise by looking at this picture that has been captured on film. What does this picture represent to you? Maybe it is the love of family and friends, or the adventure you found on your last vacation. Whatever it is, consider how you might best represent these feelings, and memories so that someone else looking at this same photograph, even a few generations removed, will be able to understand the emotions and circumstances surrounding the images of the people, places, or things seen in this particular piece of film. Being able to know why a certain picture was taken, and what it meant to the one who took the shot, results in a ‘bonding’ between the original picture taker, the event captured, and the one who is now looking at these images.

Once you have started to think about what this picture means to you and how you would like to best represent that meaning, you can start to create a memory scrapbook that will keep these precious memories alive forever. The best memory books have pages that employ the use of many different types of materials. Don’t be afraid to mix stickers with cut-outs (made by designed scissors), patterned papers, stencils, rubber stamp images, markers, crayons, and labels. Let your creative-side come out in the designing of your memory books.

With a little creativity it is easy to create memory scrapbooks that are a joy to share with family and friends. Family history can be captured in these books: to be recalled in your lifetime and as testimonials of relatives in the past, to be known and remembered by the generations to follow. You not only have a plethora of choices in materials already available to choose from in creating your memory book, new ideas, and materials are created every day for those who want to use scrapbooking as a way to create memory books that will last forever.

What should you use to hold your newly created memory pages? You can choose to use a standard photo album, one that you can decorate using the same materials used in making your memory pages. Or maybe you will want to complete your memory book by laminating a couple of special memory pages for the front and back covers, and then “binding” them together with all of your memory pages into a book. You can learn more about bookbinding through books and software programs. Scrapbook stores and the internet are also good sources of information about scrapbooking and bookbinding.

Author Bio
This article was produced for www.Lostcrafts.com, a site which is dedicated to preserving the crafts and trades of yesterday.

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