Insider Secrets Online Wealth-Generating System

If you're at all serious about making money with your own online business, then it is essential that you carefully consider the deal I want to make with you today...

My good friend Derek Gehl has publicly released the newest edition of his famous "Insider Secrets" online wealth-generating system... and I was wondering if you would mind testing it?

You see, I'm considering partnering with Derek (he and his team have made over $40 Million in online sales, and he really *gets* how to be successful selling almost anything using the Internet) -- but before I team up with Derek, I want to make absolutely SURE his system will work for my customers and subscribers.

So here's what I'm proposing:

I've worked out a deal with Derek, and he will ship you (via Federal Express) a 10 lb. box.

In this box you'll find 3 resource CDs, 4 guidebooks, and 2 thick binders containing in excess of 1,385 pages explaining the step-by-step instructions on how to start and grow a wildly profitable Internet business.

All I'm asking you to do is follow the instructions. If you do this, one of two things will happen:

The system will work for you, and you'll start living the dream of "passive" income with your very own Internet business.

You'll be literally making money while you sleep!

OR:

The system won't work for you. If this happens, Derek will personally write you a check for $200 as our way of apologizing for wasting your time.

In other words, the absolute WORST thing that can happen if you take us up on this is that you'll come out $200 ahead!

The best case scenario is something far, far more exciting...luxury vacations, new cars for you and your family, paying off your mortgage... It's up to you!)

All you need to do today is tell Derek where to send your package by clicking the link below:

http://tinyurl.com/29v896

All the best,

--nhmaster--

P.S. By the way -- do you want to meet a few of the people who are *already* using Derek's system?

-- Rory M. from Ireland made over $1,000,000 last year selling a VERY strange gizmo from his simple little web site. (I still don't understand exactly what it does!)

-- Barbara J. is making a steady $8,500 a month telling people how to rearrange their old furniture. (She's a 60-year-old grandmother, and she works LESS than 1 lousy hour a day!)

-- Chris E. must be the envy of his Australian surfer buddies down at the beach... He makes over $200,000 a year working about 9 hours per week. Not bad for a 23-year-old kid!

You can read more of their stories, and find out all the details of how YOU can get started too by visiting:

http://tinyurl.com/29v896

You can have healthy skin

With new research, new products and new skin protection advice popping up all the time, it is hard to figure out the best things to do to improve and protect your skin.

A skin care program is the combination of skin care products and a routine that will be most beneficial to the skin. You will first need to consider your diet and type of life-style since these two factors play an important role in the health of a person's skin.

These days we seem to be living in the fast-food age and the condition of your skin is often neglected. You still can't beat the old fruit and vegetable diet when it comes to good health and a good complexion.

Remember to feed and nourish your skin by eating the proper foods. Give your skin a drink too. Those eight glasses of water a day your mom always told you to be sure to drink are essential to maintaining your skin's elasticity and suppleness, say experts. And don't count coffee or any of the caffeinated sodas as part of the eight glass§es because caffeine is dehydrating. The water you choose can be sparkling water, mineral or straight from the tap. Another suggestion is that you keep a liter-size bottle close at hand, or simply drink a glass or two with your meals, and a few in between.

You need to give some thought and consideration to the type of makeup you sue. And be sure to clean your tools regularly. Things such as cosmetic brushes get dirty and can carry bacteria and germs and may cause skin irritations and breaking out. One of the leading cosmetic authorities suggests that cosmetic brushes be thoroughly cleaned at least twice a month. A good way is to soak brushes for about 10 minutes in a dish of warm, soapy water using mild liquid detergent or baby shampoo. Rinse and blot excess moisture with a towel and stand the brushes, handle end down, in a tall glass until they are thoroughly dry.

Keep environmental pollutants from being absorbed into the skin with a good moisturizer that also acts as a skin barrier. Check the labels for those with added Vitamin A, C and E, which help block the penetration of pollutants.

A good exercise program such as aerobics can activate and rejuvenate the skin and improve circulation and blood flow. Also, body sweat triggers production of sebum, which is the skin's own natural moisturizer.

One skin care expert has come up with a do-it-yourself version of a treatment you may like to try. Stir the juice of half a lemon into one cup of plain yogurt. Keep it in the refrigerator and apply it as you would a cream every night before bed. You can even apply a thin coat of moisturizer over it as you like, after waiting about five minutes for the yogurt mixture to penetrate. With consistent use, you should see more even pigmentation and smoother skin in three to four weeks.

Get serious about stress reduction. Skin conditions such as acne appear on many people who are stressed out, and chronic skin conditions then to get worse. Set aside quiet time to meditate or daydream. Be sure to get enough sleep. To avoid morning eye or facial puffiness, sleep on your back so fluid doesn't collect there. Also, you can keep the oil from your hair away from your face by wearing a head covering or a soft headband when you go to bed. And keep in mind that too much stress can affect your overall health as well as your complexion.

Save money when buying new and used cars

New cars

~ You can save thousands of dollars over the lifetime of a car by selecting a model that combines a low purchase price with low financing, insurance, gasoline, maintenance, and repair costs. Ask your local librarian for new car guides that contain this information.

~ Having selected a model, you can save hundreds of dollars by comparison shopping. Call at least five dealers for price quotes and let each know that you are calling others.

~ Remember there is no "cooling off" period on new car sales. Once you have signed a contract, you are obligated to buy the
car.


Used Cars

~ Before buying any used car:

a. Compare the seller's asking price with the average retail price in a "bluebook" or other guide to car prices found at many libraries, banks, and credit unions.

b. Have a mechanic you trust check the car, especially if the car is sold "as is."

~ Consider purchasing a used car from an individual you know and trust. They are more likely than other sellers to charge a lower price and point out any problems with the car.

Choosing a bank that's right for you

It is important to select the right bank. Do NOT choose any bank -- be fussy!

There are two main objectives to seek when searching for a new bank:

1. Find a bank that is aggressively seeking new business.
2. Choose one with which you can develop a personal relationship.

To select a bank that is aggressive, simply watch for extended advertising campaigns. They are very costly, and must bring in new business in order to be continued.

Look also for smaller banks, ones with just a few offices. They tend to be more agressive, more lenient on qualifications, much friendlier and more personalized in the service they offer. They are forced by nature of their competition to be more flexible.

With the small, independent bank, you will get friendly service, and often will be called by name. The tellers remember you and do not need to request your identification every time you want to cash a check. Small banks do not have a large loan committee that spends lots of time shuffling papers.

They may however, stall your loan ap-plication for a day or so in order not to appear too anxious! Its a minor issue...and not one to be overly concerned about.

Big banks seem to have forgotten that the customer is number one. You will be far more pleased with your small bank and your personalized service when it comes to getting loans and other services for your own business.

Growing old gracefully

Today the average duration of human life in the world is just about 70 years for women and a little less for men. Conservative experts believe that man is really build to last about 100 years; and that medial advances and more healthful living habits could bring this about within a generation or two.

What good is it to add years to life if we do not also add life to years? In fact, unless people learn to enjoy life and to grow old gracefully, the extra years may be an additional burden.

From 18 to 30 years is roughly the period of highest physical and mental vigor. The experiences we accumulate from the day we are born help us to conserve and to use our physical and mental abilities more wisely, so that for some time after 30 years we are able to perform increasingly well in spite of slowly slipping vigor. After age 50 the increasing accumulation of experience is no longer able to offset the now more rapidly energy and therefore aging begins to assert itself noticeably and in many ways.

A number of things may come about gradually such as people who have not used eyeglasses before may at some time in their forties need them for reading, and in the fifties they usually need bifocals.

Also in the forties, people are likely to put on weight because there is a general slowdown in the oxidation rate of the aging body tissue. Also we tend to do less strenuous work with no reduction in the amount of food consumed. And in the fifties there is likely to be some loss of hearing. Usually the high-pitched tomes go first, so words with the sounds of F, S, and TH are confused. A hearing aid may be needed in some cases.

Aging is generally accompanied by a loss in physical and mental flexibility. This is noticed in a tendency to become stiff in the joints; in slower comeback after a strenuous trip, excessive "night life," or hard work; in slower healing of wounds, sore muscles, and sprains; in slower recovery of pep after an illness; and in greater difficulty to adjust to new people, new places, and new ideas.

Men, especially, will notice loss of muscular strength. There will be increased unsteadiness and delicate muscle movements will be more clumsy and the stride in waking will become shorter. The conclusion now is that the performance and ability of the elderly has long been underestimated and can be greatly improved by a proper diet, sleep and exercise along with rest and relaxation.

Many elderly people tend to lose their joy and will to live and chronic worriers may mope around and withdraw. Medical authorities now say that laughter is one of the best medicines for the elderly. You can always keep your sense of humor tuned up by surrounding yourself with pleasant and interesting people. Just act your age and don't be afraid to laugh at yourself even when no one else is around.

Now that we all know the role that physical activity plays in our lives, remember to do something physical everyday. The joints must be used or quite simply they will tighten with age creating that stooped worn out appearance we so often associate with getting old. Keep yourself flexible and fit on an exercise program consistent with your ability.

Sensible diet tips

Start your diet with a food diary, record everything you eat, what you were doing at the time, and how you felt. That tells you about yourself, your temptation, the emotional states that encourage you to snack and may help you lose once you see how much you eat.

Instead of eating the forbidden piece of candy, brush your teeth. If you're about to cheat, allow yourself a treat, then eat only half a bite and throw the other half away.

When hunger hits, wait 10 minutes before eating and see if it passes. Set attainable goals. Don't say, "I want to lose 50 pounds." Say, "I want to lose 5 pounds a month." Get enough sleep but not too much. Try to avoid sugar. Highly sweetened foods tend to make you crave more.

Drink six to eight glasses of water a day. Water itself helps cut down on water retention because it acts as a diuretic. Taken before meals, it dulls the appetite by giving you that "full feeling." Diet with a buddy. Support groups are important, and caring people can help one another succeed. Start your own, even with just one other person.

Substitute activity for eating. When the cravings hit, go to the "Y" or health club if possible; or dust, or walk around the block. This is especially helpful if you eat out of anger.

If the pie on the counter is just too great a temptation and you don't want to throw it away, freeze it. If you're a late-night eater, have a carbohydrate, such as a slice of bread of a cracker, before bedtime to cut down on cravings. Keep an orange slice or a glass of water by your bed to quiet the hunger pangs that wake you up.

If you use food as a reward, establish a new reward system. Buy yourself a non-edible reward. Write down everything you eat - - everything - including what you taste when you cook. If you monitor what you eat, you can't go off your diet.

Weigh yourself once a week at the same time. Your weight fluctuates constantly and you can weigh more at night than you did in the morning, a downer if you stuck to your diet all day. Make dining an event. East from your own special plate, on your own special placemat, and borrow the Japanese art of food arranging to make your meal, no matter how meager, look lovely. This is a trick that helps chronic over-eaters and bingers pay attention to their food instead of consuming it unconsciously.

Don't shop when you're hungry. You'll only buy more fattening food. Avoid finger foods that are easy to eat in large amounts. Avoid consuming large quantities of fattening liquids, which are so easy to overdo. And this includes alcoholic beverages.

Keep plenty of crunchy foods like raw vegetables and air-popped fat-free popcorn on hand. They are high in fiber, satisfying and filling. Leave something on your plate, even if you are a charter member of the Clean The Plate Club. It's a good sign that you can stop eating when you want to, not just when your plate is empty.

Lose weight for yourself, not to please your husband, your parents or your friends. Make the kitchen off-limits at any time other than mealtime. Always eat at the table, never in front of the TV set or with the radio on. Concentrate on eating every mouthful slowly and savoring each morsel. Chew everything from 10 to 20 times and count! Never skip meals. Carbohydrate, such as a slice of bread of a cracker, before bedtime to cut down on cravings.

Conquering the smoking habit

Most smokers sincerely want to quit. They know cigarettes threaten their health, set a bad example for their children, annoy their acquaintances and cost an inordinate amount of money.

Nobody can force a smoker to quit. It's something each person has to decide for himself, and will require a personal commitment by the smoker. What kind of smoker are you? What do you get out of smoking? What does it do for you? It is important to identify what you use smoking for and what kind of satisfaction you feel that you are getting from smoking.

Many smokers use the cigarette as a kind of crutch in moments of stress or discomfort, and on occasion it may work; the cigarette is sometimes used as a tranquilizer. But the heavy smoker, the person who tries to handle severe personal problems by smoking heavily all day long, is apt to discover that cigarettes do not help him deal with his problems effectively.

When it comes to quitting, this kind of smoker may find it easy to stop when everything is going well, but may be tempted to start again in a time of crisis. Physical exertion, eating, drinking, or social activity in moderation may serve as useful substitutes for cigarettes, even in times of tension. The choice of a substitute depends on what will achieve the same effects without having any appreciable risk.

Once a smoker understands his own smoking behavior, he will be able to cope more successfully and select the best quitting approaches for himself and the type of life-style he leads.

Because smoking is a form of addiction, 80 percent of smoker who quit usually experience some withdrawal symptoms. These may include headache, light-headedness, nausea, diarrhea, and chest pains. Psychological symptoms, such as anxiety, short-term depression, and inability to concentrate, may also appear. The main psychological symptom is increased irritability. People become so irritable, in fact, that they say they feel "like killing somebody." Yet there is no evidence that quitting smoking leads to physical violence.

Some people seem to lose all their energy and drive, wanting only to sleep. Others react in exactly the opposite way, becoming so over energized they can't find enough activity to burn off their excess energy. For instance, one woman said she cleaned out all her closets completely and was ready to go next door to start on her neighbor's. Both these extremes, however, eventually level off. The symptoms may be intense for two or three days, but within 10 to 14 days after quitting, most subside. The truth is that after people quit smoking, they have more energy, they generally will need less sleep, and feel better about themselves.

Quitting smoking not only extends the ex-smoker's life, but adds new happiness and meaning to one's current life. Most smokers state that immediately after they quit smoking, they start noticing dramatic differences in their overall health and vitality.

Quitting is beneficial at any age, no matter how long a person has been smoking. The mortality ratio of ex-smoker decreases after quitting. If the patient quits before a serious disease has developed, his body may eventually be able to restore itself almost completely.

Lead can be dangerous

Lead has long been recognized as a harmful environmental pollutant. There are many ways in which humans are exposed to lead and most of the time we may not even be aware of it. Airborne lead enters the body when an individual breathes in lead particles or swallows some lead dust. Until recently, the most important airborne source of lead was automobile exhaust. Since 1975, there has been a 95 percent reduction in the use of lead in gasoline due to the Environmental Protection Agency's Phasedown Program and the replacement of older cars with newer cars that require the use of unleaded gasoline.

Seeking out sources of lead in the household and surrounding areas can be crucial in safeguarding your family members, especially children and pets. It has now been determined that the effects from lead paint, household dust, lead crystal and some imported pottery.

Children are considered to be at the greatest risk of exposure because they have such intimate contact with the environment. Their faster metabolism causes them to eat more for their body weight and to breathe faster.

Children also tend to play and breathe closer to the ground where lead dust concentrates. They are also likely to put their hands in their mouths, which can bring lead just directly into their bodies.

Parents can take several steps to help protect their children from the effects of lead within the home environment. Cover peeling or exposed paint with wood paneling or vinyl wallpaper. Stripping off the paint will release more lead into the environment, and a new coat of paint can itself peel, re-exposing the paint beneath it.

Also, lead and lead salts are toxic to pets. Pets are naturally curious and are prone to claw, scratch and pick at peeling materials. To minimize the risk to your pet, watch what they pick up in their mouths! These toxic lead salts can be found in such common things as insecticides and linoleum.

Be careful when doing any kind of remodeling such as removing old paint, replacing linoleum on floors, counters, etc. Keep pets and children away from work sites and building materials. Properly dispose of any leaded materials and remove them promptly from the premises. Know the possible signs of lead poisoning, vomiting, diarrhea, abdominal pain, lack of appetite, irritability, listlessness, hysteria or convulsions. When a pet shows gastrointestinal as well as neurological symptoms, lead poisoning could be the culprit and you should contact the vet as soon as possible.

Many water mains are still made of lead, so household water should be tested for lead content. If lead is present in the water, allow it to run for a few minutes before using it. Use cold or bottled water to prepare foods or infant's formula because hot water tends to leech more lead. Iron deficiency anemia is a common problem among one and two year olds that predisposes them to eating nonfood substances and causes them to absorb more of the lead taken into their bodies.

If lead exposure is suspected, consult your health department about appropriate removal and clean-up procedures. Also, people who may have been exposed to lead or lead dust recently should have the lead levels in their blood tested by their doctor or local health department.

Walking and weight loss

Three universal goals most of us share are: to live longer, to live free of illness and to control our weight. Interesting enough, normal walking lets us achieve all three.

In fact, walking may be man's best medicine for slowing the aging process. First, it works almost every muscle in the body, improving circulation to the joints and massaging the blood vessels (keeping them more elastic). Walking also helps us maintain both our muscle mass and metabolism as we age. It also keeps us young in spirit. For anyone out of shape or unathletically inclined, walking is the no-stress, no-sweat answer to lifelong conditioning.

All it takes is a little time, common sense and a few guidelines. Unfortunately, there's a lot of misinformation floating around regarding fitness walking, weight-loss and dieting.

Walking is one of the best exercise for strengthening bones, controlling weight, toning the leg muscles, maintaining good posture and improving positive self-concept.

People who diet without exercising often get fatter with time. Although your weight may initially drop while dieting, such weight loss consists mostly of water and muscle. When the weight returns, it comes back as fat. To avoid getting fatter over time, increase your metabolism by exercising daily.

To lose weight, it's more important to walk for time than speed. Walking at a moderate pace yields longer workouts with less soreness - - leading to more miles and more calories spent on a regular basis.

High-intensity walks on alternate days help condition one's system. But in a waking, weight-loss program, it's better to be active every day. This doesn't require walking an hour every day. The key is leading an active life-style 365 days a year.

When it comes to good health and weight loss, exercise and diet are interrelated. Exercising without maintaining a balanced diet is no more beneficial than dieting while remaining inactive.

The national research council recommends eating five or more servings of fruits and vegetables a day. Fruits and vegetables are the ideal diet foods for several reasons. They're relatively low in fat and calories, yet are often high in fiber and rich in essential vitamins and minerals.

Remember that rapid weight-loss consists mostly of water and muscle - - the wrong kind of weight to lose. To avoid this, set more reasonable goals, such as one pound per week.

Carbohydrates are high-octane fuel. They provide energy for movement and help raise internal body metabolism. They're also satisfying. The key is not adding high-fat toppings to your carbohydrates.

It's everyday habits which define our weight and body composition. A three-minute walk after each meal is worth four pounds less body fat annually. Two flights of stairs a day burns off half a pound of body fat in a year. On the other hand, one candy bar eaten daily will cost you 20 pounds annually.

The positive weight loss approach

Once you have made up your mind to lose weight, you should make that commitment and go into it with a positive attitude. We all know that losing weight can be quite a challenge. In fact, for some, it can be downright tough. It takes time, practice and support to change lifetime habits. But it's a process you must learn in order to succeed. You and you alone are the one who has the power to lose unwanted pounds.

Think like a winner, and not a loser - - remember that emotions are like muscles and the ones you use most grow the strongest. If you always look at the negative side of things, you'll become a downbeat, pessimistic person. Even slightly negative thoughts have a greater impact on you and last longer than powerful positive thoughts.

Negative thinking doesn't do you any good, it just holds you back from accomplishing the things you want to do. When a negative thought creeps into your mind, replace it reminding yourself that you're somebody, you have self-worth and you possess unique strengths and talents.

Contemplate what lies ahead of you. Losing weight is not just about diets. It's about a whole new you and the possibility of creating a new life for yourself. Investigate the weight loss programs that appeal to you and that you feel will teach you the behavioral skills you need to stick with throughout the weight-loss process.

First you should look for support among family and friends. It can be an enormous help to discuss obstacles and share skills and tactics with others on the same path. You might look for this support from others you know who are in weight loss programs and you can seek guidance from someone you know who has lost weight and kept it off.

There are success stories across the country today. On television and in newspapers, magazines and tabloids about people who have miraculously lost untold pounds and kept it off. In all instances they say their mental attitude as well as their outlook on life has totally changed.

Diets and weight loss programs are more flexible now than they once were and there are many prepared foods already portioned out. They are made attractive and can be prepared in a matter of minutes. Low-fat and low-calorie foods are on shelves everywhere.

You will probably need to learn new, wiser eating skills. You will want a weight loss regimen that gives you some control, rather than imposing one rigid system. Look for one that offers a variety of different eating plans, so you can choose the one that's best for you.

Keep in mind, too, that your weight loss program will most likely include some physical exercises. Look at the exercising aspect of your program as fun and recreation and not as a form of grueling and sweaty work. The fact is that physical fitness is linked inseparable to all personal effectiveness in every field. Anyone willing to take the few simple steps that lie between them and fitness will shortly begin to feel better, and the improvement will reflect itself in every facet of their existence.

Doctors say that walking is one of the best exercises. It helps the total circulation of blood throughout the body, and thus has a direct effect on your overall feeling of health. There are things such as aerobics, jogging, swimming and many other exercises which will benefit a weight loss program. Discuss the options with your doctor and take his advice in planning your exercise and weight loss program.

Live a longer and healthier life

You should balance your activities with the proper amount of rest. Some of the leading experts in the field of aging now believe that regular exercise along with the proper amount of rest may actually add years to the life span. Results from a number of tests indicate that speed and muscular strength of many of the elderly can be extended.

Leading authorities agree that this new data is going to shatter many of the myths about aging and physical performance. The conclusion now is that the performance and ability of the elderly has long been underestimated, diet, proper sleep and exercise along with rest and relaxation are all important factors in preserving our bodies.

Laughter is one of the best things for your mental and physical state. People are naturally attracted to someone who has a good sense of humor. You can develop a good outlook and a good sense of humor by associating with and surrounding yourself with pleasant happy people.

Recognize that stress is a killer. A life filled with stress can really wreak havoc on your body causing a number of illnesses such as heart attacks, strokes, asthma, gastric problems, menstrual disorders, ulcerative colitis, angina, irritable colon, increased blood pressure, ulcers, headaches, etc.

There are different types of stress such as mental, emotional and physical. Emotional stress seems to take the greatest toll on everyone. All stress is not bad; in fact, life would not be very interesting if it were not met with challenges. However, too much stress, too often with no effective and appropriate outlet, does not allow the body and soul to recuperate. You might review a typical week to see if you can identify things that might be making you anxious or causing you stress. Once identified, stressors can be attacked and eliminated.

Are you a worrier? Chronic worriers don't have more serious problems than others - they just think they do. Many worriers try to cope by trying not to think about their problems, but this just makes things worse. Doctors say that chronic worriers feel less anxious if they actually spend a half-hour a day thinking specifically about their problems.

Get plenty of exercise. People who are physically fit look good and feel good. A good exercise regimen will lengthen your life. Improve your appearance, build self confidence and help delay the aging process.

Remember that you need to do something physical every day. If you don't use your joints, quite simply they'll tighten up with age to create the stooped, bent and worn out appearance we so often associate with old age. Studies have shown that people with arthritis experience less pain if they continue to keep their joints flexible. As one gets older, the bones tend to get brittle which is why it is common for senior citizens to break bones and especially their hips when they fall.

Eating right, getting proper sleep and learning to relax are all very valuable in maintaining a healthy body and mind. And keep in mind that eating healthy foods and avoiding those high in fats, sodium and cholesterol will help to decrease your risk of heart disease, high blood pressure and associated problems.

How to make money with your own errand service business

People are busier than ever and the world around them hasn't changed. Groceries still need to be bought, deliveries still need to be made, gifts still need to be bought, etc. You can take advantage of the needs of these hyper-busy people by running an ERRAND SERVICE.

In essence, what you do is run errands for people and get paid for it. Think it sounds like a kid's business? Well, you won't make kid money! If you are in a good sized metropolitan area with steady clients, you can make $15, even $20, an hour!

You won't need much to start off with. You'll, of course, need a reliable car or, better yet, a van. The only real expenses at the start are: business cards and business stationery; a hand phone; and postage. Make a list of large businesses in your area, ones with large numbers of well-paid executives, such as banks, headquarters of large manufacturers, etc. You should then compose a letter detailing your services. List as many timesaving services as you can think of: grocery pickup, dry-cleaning delivery and pickup, post office errands, gift-shopping services, food pickup and delivery, etc.

Note: Don't transport people or children unless you have the proper licenses. Also, if you deliver messages, there may be state utility regulations you'll need to check into. Emphasize to these people how they will BENEFIT from your service: more time, less worries, less stress.

Be competitive with your pricing. Call other delivery services in the area and find out what they charge, whether hourly or by the job. Make your prices competitive and your services personal, and you'll get the edge.

Four other good ideas for publicizing your services: advertise in charity event publications that are read by executives; get permission to post your business card at dry cleaners, grocery stores, bakeries, upscale food stores and delis, etc.; produce press releases about your services showcasing a unique aspect of your business, i.e. you specialize in delivering wedding cakes, for example, and get them to all the newspapers and local magazines in the area; and notify senior citizen organizations about the services you offer.

Hints: Know your way around your area extremely well so you can plan the quickest route to efficiently accomplish all your errands. Be assertive, both with potential clients and with places you are visiting for a client. Be friendly, and you'll get more return business. Also, be confidential in respect of your clients.

If you're willing to hustle, you can make it in the errand business. Once you get that first steady client, if you're good, you can count on word-of-mouth business. Then you'll really be rolling!

8 Things You Should Know About Telemarketing Fraud

1. Most telephone sales calls are made by legitimate businesses offering legitimate products or services.

But wherever honest firms search for new customers, so do swindlers. Phone fraud is a multi-billion dollar business that involves selling everything from bad or non-existent investments to the peddling of misrepresented products and services. Everyone who has a phone is a prospect; whether you become a victim is largely up to you.

2 . There is no way to positively determine whether a sales call is on the up and up simply by talking with someone on the phone. No matter what questions you ask or how many you ask, skilled swindlers have ready answers. That's why sales calls from persons or organizations that are unknown to you should always be checked out before you actually buy or invest. Legitimate callers have nothing to hide.

3. Phone swindlers are likely to know more about you than you know about them. Depending on where they got your name in the first place, they may know your age and income, health and hobbies, occupation and marital status, education, the home you live in, what magazines you read, and whether you've bought by phone in the past.

Even if your name came from the phone book, telephone conmen (and women) assume that, like most people, you would be interested in having more income, that you're receptive to a bargain, that you are basically sympathetic to people in need, and that you are reluctant to be discourteous to someone on the phone. As admirable as such characteristics may be, they help make the swindler's job easier. Swindlers also exploit less admirable characteristics, such as greed.

4. Fraudulent sales callers have one thing in common: They are skilled liars and experts at verbal camouflage. Their success depends on it. Many are coached to "say whatever it takes" by operators of the "boilerrooms" where they work at rows of phone desks making hundreds of repetitious calls, hour after hour. The first words uttered by most victims of phone fraud are, "the caller sounded so believable..."

5. Perpetrators of phone fraud are extremely good at sounding as though they represent legitimate businesses. They offer investments, sell subscriptions, provide products for homes and offices, promote travel and vacation plans, describe employment opportunities, solicit donations, and the list goes on. Never assume you'll "know a phone scare when you hear one." Even if you've read lists of the kinds of schemes most commonly practiced, innovative swindlers
constantly devise new ones.

6. The motto of phone swindlers is, "just give us a few good 'mooches,'" one of the terms they use to describe their victims.

Notwithstanding that most victims are otherwise intelligent and prudent people, even boilerroom operators express astonishment at how many people "seem to keep their chequebooks by the telephone!" Sadly, some families part with savings they worked years to accumulate on the basis of little more than a 15-minute phone conversation -- less time than they'd spend considering the purchase of a household appliance.

7. The person who "initiates" the phone call may be you. It's not uncommon for phone crooks to use direct mailings and advertise in reputable publications to encourage prospects to make the initial contact. It's another way swindlers imitate the perfectly acceptable marketing practices of legitimate businesses. Thus, just because you may have written or phoned for "additional information" about an investment, product, or service doesn't mean you should be any less cautious about buying by phone from someone you don't know.

8. Victims of phone fraud seldom get their money back -- or, at best, no more than a few cents on the dollar.

Despite efforts of law enforcement and regulatory agencies to provide what help they can to victims, swindlers generally do the same thing other people do when they get money: they spend it!

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Do you rebuild or replace outdated computers?

Do not get sold on buying a new computer just because industry experts say that they are obsolete after 4 years. Many computer models can be updated and upgraded by simply replacing specific parts and installing new software.

If you cannot decide whether you need to buy or repair, here's the basic rule of thumb to guide you in making that decision:-

-> Purchase a new computer if the replacement parts or software necessary to bring it up to date cost more than 50% of its original purchase price.

If your company (business) buys a new computer model, it should consider selling the old one. There are secondary markets who export old computers to Third World countries. The average resale price of a 3-year old system is usually 10% to 15% of the original purchase price.

So, do you agree with me?

Dinner at McD Tesco Penang

Last night we had our dinner there. Here are few photo shots for you 2 c...cheers:-)

Miq with Aina & Muiz

Miq's enjoying the french fries

"Hello...!!!..."

Where Diets Go Wrong

When we discover that we are heavier than we want to be, we have a natural inclination to eat less food. We may skip lunch or eat only a tiny amount of our dinner in the hope that if we eat less our body will burn off some of its fat. But that is not necessarily true. Eating less actually makes it more difficult to lose weight.

Keep in mind that the human body took shape millions of years ago, and at that time there were diets. The only low-calorie event in people's lives was starvation. Those who could cope with a temporary lack of food were the ones who survived. Our bodies, therefore, have developed this built-in mechanism to help us survive in the face of low food intake.

When researchers compare overweight and thin people, they find that they ear roughly the same number of calories. What makes overweight people different is the amount of fat that they eat. Thin people tend to eat less fat and more complex carbohydrates.

Losing weight is not something one can do overnight. A carefully planned weight loss program requires common sense and certain guidelines. Unfortunately, there's a lot of misinformation floating around and lots of desperate people are easily duped and ripped off.

Every day one can open a magazine or newspaper and see advertisements touting some new product, pill or patch that will take excess weight off quickly. Everyone seems to be looking for that "magic" weight loss pill. Millions of people are trying to lose weight, spending billions of dollars every year on diet programs and products. Often they do lose some weight. But, if you check with the same people five years later, you will find that nearly all have regained whatever weight they lost.

A survey was done to try and determine if any commercial diet program could prove long-term success. Not a single program could do so. So rampant has the so-called diet industry become with new products and false claims that the FDA has now stepped in and started clamping down.

Being seriously overweight and particularly obesity can develop into a number of diseases and serious health problems, and it is now a known fact that when caloric intake is excessive, some of the excess frequently is saturated fat.

The myth is that people get heavy by eating too many calories. Calories are a consideration it's true, but overall they are not the cause of obesity in the world today. Many people actually take in fewer calories each day than they did at the beginning of the century. If calories alone were the reason we become overweight, we should all be thin. But we are not. Collectively, we are heavier than ever. Partly, it is because we are more sedentary now. But equally, as important is the fact that the fat content of the world's diet has changed dramatically.

People who diet without exercising often get fatter with time. Although your weight may initially drop while dieting, such weight loss consists mostly of water and muscle. When the weight returns, it comes back as fat. To avoid getting fatter over time, increase your metabolism by exercising regularly.

Select an exercise routine that you are comfortable with and remember that walking is one of the best and easiest exercises for strengthening your bones, controlling your weight and toning your muscles.

Miq's movie

Today I'm a bit lazy to write. Sorry for that, but anyhow I have a movie here for you to watch. It's my baby boy Miq's movie. Only a short one.

Thanks for watching. See ya..

Starting a Profitable Home-based Business

In these days, it's becoming increasingly difficult to make ends meet with just one source of income. Thus, more and more people are investigating the possibilities of starting their own extra-income business. Most of these part-time endeavors are started and operated from the comfort and privacy of the home.

Most of these people are making the extra money they need. Some have wisely and carefully built these extra income efforts into full-time, very profitable businesses. Others are just keeping busy, having fun, and enjoying life as never before. The important thing is that they are doing something other than waiting for the government to give them a handout; they are improving their lot in life, and you can do it, too!

The fields of mail order selling, multi-level marketing, and in-home party sales have never been more popular. If any of these kinds of extra income producing ideas appeal to you, then you owe it to yourself to check them out. But these aren't the only fields of endeavor you can start and operate from home, with little or no investment, and learn as you go.

If you type, you can start a home-based typing service; if you have a truck or have access to a trailer, you can start a clean-up/hauling service. Simply collecting old news papers from your neighbors can get you started in the paper recycling business. More than a few enterprising housewives have found success and fortune by starting home and/or apartment cleaning services. If you have a yard full of flowers, you can make good extra money by supplying fresh cut flowers to restaurants and offices in your area on a regular basis. You might turn a ceramics hobby into a lucrative personalized coffee mug business. What I'm saying is that in reality, there's literally no end to the ways you can start and operate a profitable extra income business from your home.

The first thing you must do, however, is some basic market research. Find out for yourself, first-hand, just how many people there are in your area who are interested in your proposed product or service, and would be "willing to stand in line and pay money for it." This is known as defining your market and pinpointing your customers. If after checking around, talking about your idea with a whole lot of people over a period of one to three months, you get the idea that these people would be paying customers, your next effort should be directed toward the "detailing" of your business plan. The more precise and detailed your plan - covering all the bases relating to how you'll do everything that needs to be done - the easier it's going to be for you to attain success. Such a plan should show your start-up investment needs, your advertising plan, your production costs and procedures, your sales program, and how your time will be allocated. Too often, enthusiastic and ambitious entrepreneurs jump in on an extra income project and suddenly find that the costs are beyond their abilities, and the time requirements more than they can meet. It pays to lay it all out on paper before you get involved, and the clearer you can "see" everything before you start, the better your chances for success.

Now, assuming you've got your market targeted, you know who your customers are going to be and how you're going to reach them with your product or service. And you have all your costs as well as time requirements itemized. The next step is to set your plan in motion and start making money.

Here is the most important "secret" of all, relating to starting and building a profitable home-based business, so read very carefully. Regardless of what kind of business you start, you must have the capital and the available time to sustain your business through the first six months of operation. Specifically, you must not count on receiving or spending any money coming in from your business on yourself or for your bills during those first six months. All the income from your business during those first six months should be reinvested in your business in order for it to grow and reach our planned first year potential.

Once you've passed that first six months milestone, you can set up a small monthly salary for yourself, and begin enjoying the fruits of your labor. But the first six months or operation for any business are critical, so do not plan to use any of the money your business generates for yourself during that period.

If you've got your business plan properly organized, and have implemented the plan, you should at the end of your first year be able to begin thinking about hiring other people to alleviate some of your work-load. Remember this: Starting a successful business is not a means towards either a job for yourself or a way to keep busy. It should be regarded as the beginning of an enterprise that will grow and prosper, with you as the top dog. Eventually, you'll have other people doing all the work for you, even running the entire operation, while you vacation in the Bahamas or Hawaii and collect or receive regular income from your initial efforts.

Exercise Melts Body Fat

If you want to reduce your body fat, focus on increasing the amount of exercise you get rather than decreasing your food intake. A recent national study was done using two groups of sedentary men, one group in their 20's and the other over age 65. A lot was learned from this accumulated data and it is interesting to note that there was a significant relationship between lack of physical activity and fat. Not surprisingly, the most sedentary men had the most body fat.

These studies have also indicated that the governments current recommended daily allowance for calories does not correlate with the body's actual energy needs. For example, although 2400 calories have been calculated for older men, they in fact burned an average of 2800 calories daily.

The leading experts now recommend that people who want to lose weight start increasing their physical activity. Just being more active in general (such as climbing the stairs instead of taking the elevator, moving around instead of sitting still, sitting up instead of lying down as well as showing some excitement and enthusiasm instead of boredom), are things that more effectively burns calories and reduces body fat. Everyone seems to have lost sight of the value of being active. Consider this, a half-hour aerobic workout accounts for far less energy expenditure than our minute-to-minute movement in the office or at home.

Millions of people are trying to lose weight, spending approximately $30 billion a year on diet programs and products, often they do lose some weight. But, if you check with the same people five years later, you will find that nearly all have regained whatever weight they lost. A national panel recently sought data to determine if any commercial diet program could prove long-term success. Not a single program could do so.

Being seriously overweight and particularly obesity predisposes individuals to a number of diseases and serious health problems, and it's now a known fact that when caloric intake is excessive, some of the excess frequently is saturated fat.

People who diet without exercising often get fatter with time. Although your weight may initially drop while dieting, such weight loss consists mostly of water and muscle. When the weight returns, it comes back as fat. To avoid getting fatter over time, increase your metabolism by exercising regularly.

Walking is one of the best exercises for strengthening bones, controlling weight, toning the leg muscles, maintaining good posture and improving positive self-concept.

To lose weight, it's more important to walk for time than speed. Walking at a moderate pace yields longer workouts with less soreness - leading t more miles and more fat worked off on a regular basis. High intensity walks on alternate days help condition one's system. But in a walking, weight-loss program, you are not required to walk an hour every day as some people would have you believe.

When it comes to good health and weight loss, exercise and diet are inter-related. Exercising without maintaining a balanced diet is no more beneficial than dieting while remaining inactive.

Handy First Aid Tips

When someone is injured or suddenly becomes ill, there is usually a critical period before you can get medical treatment and it is this period that is of the utmost importance to the victim. What you do, or what you don't do, in that interval can mean the difference between life and death. You owe it to yourself, your family and your neighbors to know and to understand procedures that you can apply quickly and intelligently in an emergency.

Every household should have some type of first aid kit, and if you do not already have one, assemble your supplies now. Tailor the contents to fit your family's particular needs. Don't add first aid supplies to the jumble of toothpaste and cosmetics in the medicine cabinet. Instead, assemble them in a suitable, labeled box (such as a fishing tackle box or small took chest with hinged cover), so that everything will be handy when needed. Label everything in the kit clearly, and indicate what it is used for.

Be sure not to lock the box - otherwise you may be hunting for the key when that emergency occurs. Place the box on a shelf beyond the reach of small children, and check it periodically and always restock items as soon as they are used up.

Keep all medications, including non-prescription drugs such as aspirin, out of reach of children. When discarding drugs, be sure to dispose of them where they cannot be retrieved by children or pets.

When an emergency occurs, make sure the injured victim's airway is not blocked by the tongue and that the mouth is free of any secretions and foreign objects. It is extremely important that the person is breathing freely. And if not, you need to administer artificial respiration promptly.

See that the victim has a pulse and good blood circulation as you check for signs of bleeding. Act fast if the victim is bleeding severely or if he has swallowed poison or if his heart or breathing has stopped. Remember every second counts.

Although most injured persons can be safely moved, it is vitally important not to move a person with serious neck or back injuries unless you have to save him from further danger. Keep the patient lying down and quiet. If he has vomited and there is no danger that his neck is broken, turn him on his side to prevent choking and keep him warm by covering him with blankets or coats.

Have someone call for medical assistance while you apply first aid. The person who summons help should explain the nature of the emergency and ask what should be done pending the arrival of the ambulance. Reassure the victim, and try to remain calm yourself. Your calmness can allay the feat and panic of the patient.

Don't give fluids to an unconscious or semiconscious person; fluids may enter his windpipe and cause suffocation. Don't try to arouse an unconscious person by slapping or shaking.

Look for an emergency medical identification card or an emblematic device that the victim may be wearing to alert you to any health problems, allergies or diseases that may require special care.

Ways to lower your Auto Insurance costs

You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverages you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs.

1. COMPARISON SHOP

Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the yellow pages or call your state insurance department (phone numbers are on back page). You can also check consumer guides, insurance agents or companies. This will give you an idea of price ranges and tell you which companies or agents have the lowest prices. But don't shop price alone.

The insurer you select should offer both fair prices and excellent service. Quality personal service may cost a bit more, but provides added conveniences, so talk to a number of insurers to get a feeling for the quality of their service. Ask them what they would do to lower your costs. Check the financial ratings of the companies too. Then, when you've narrowed the field to three insurers, get price quotes.

2. ASK FOR HIGHER DEDUCTIBLES

Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%.

3. DROP COLLISION AND/OR COMPREHENSIVE COVERAGES ON OLDER CARS

It may not be cost-effective to have collision or comprehensive coverages on cars worth less than $1000 because any claim you make would not substantially exceed annual cost and deductible amounts. Auto dealers and banks can tell you the worth of cars.

4. ELIMINATE DUPLICATE MEDICAL COVERAGES

If you have adequate health insurance, you may be paying for duplicate medical coverage in your auto policy. In some states, eliminating this coverage could lower your personal injury protection (PIP) cost by up to 40%.

5. BUY A "LOW PROFILE" CAR

Before you buy a new or used car, check into insurance costs. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs.

6. CONSIDER AREA INSURANCE COST IF YOU ARE MAKING A MOVE

Costs tend to be lowest in rural communities and highest in center cities where there is more traffic congestion.

7. TAKE ADVANTAGE Of LOW MILEAGE DISCOUNTS

Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.

8. FIND OUT ABOUT AUTOMATIC SEAT BELT OR AIR BAG DISCOUNT

You may be able to take advantage of discounts on some coverages if you have automatic seat belts and/or air bags.

9. INQUIRE ABOUT OTHER DISCOUNTS

Some insurers offer discounts for more than one car, no accidents in three years, drivers over 50 years of age, driver training courses, anti-theft devices, anti-lock brakes and good grades for students.

Samsung 37" LCD tv

I've been waiting long enough for this particular day. Yeah..at last my 37" LCD television has arrived. Here it is.....

Can you see Miq is happily standing next to it?

Hopefully this TV won't give me anymore headache in the future.

Discover 19 Top Internet Businesses as practised by Top Internet Enterpreneur

I came across a website of an internet marketer which I think is a very informative one. Here I would like you to read what he had to say.

*************************************************************************************

Dear Aspiring Home-Based Internet Entrepreneur,

How would you like to own and operate a STRING of Internet Businesses all generating THOUSANDS OF DOLLARS for you every month even as you laze around in your pajamas at home?

And how would you like to do this with an operating cost of less than $300 a year for EACH Internet Business that you do?

That's A YEAR.

Unbelievable?

Especially when you know that a conventional business would GOBBLE up thousands of dollars PER MONTH in the rental of office space alone, and you haven't taken into account the staff's salaries yet?

Well, believe it.

Because that's the truth, IF you know EXACTLY what to do!

My name is Sen Ze. I've been an Internet Entrepreneur and Coach for many years now after having been exposed to the power of Internet Entrepreneurship way back in 1995.

Just so that you know that I'm not spewing hot air - I currently own multiple Internet Businesses selling various products and services.

One generates very qualified leads for my services as a Mind-Reader (I charge $3,000.00 for a 45-minute show). Another generates very qualified leads for my services as a Corporate Trainer in the areas of sales, marketing, teamwork and leadership (my partner and I charge $3,000.00 - $6,000 or more for a workshop session depending on the duration and number of participants).

Yet another sells a product on getting the Media to feature you or your business for free (the Deluxe version costs $697 and is worth every cent as you can get tens of thousands of dollars' worth of "advertising" back from the media - completely free). And there's another one selling access to a suite of online Point-And-Click web site templates, tools, software and tutorials to enable business owners to easily and quickly set up their web sites on the Internet and market them effectively to make money online - even if they've never done anything like it before or possess designing or programming skills (pay either $29.97 a month or $297 a year and save 2 months).

I use 5 different credit card Processors for different web sites to accept payment from my Customers. Just one of them has processed exactly $360,098.65 in sales.

However, I sometimes take a back seat and REFER Customers to other Merchants to earn a commission for every sale. This depends on whether I've found other Merchants with great products that I can recommend to my Customers or Prospects on my lists.

And why not? On one very memorable occasion, my one-time referral made me $5,000.00 in commissions for sales made within a few days. I spent about a quarter of an hour composing that e-mail recommending a particular Merchant's product, and then just one second clicking on the "Send" button to my small database of extremely targeted Prospects. And five thousand bucks was the result within 72 hours. That's five thousand big ones for 15 minutes' work.

Which works out to $333.33 per minute.

That's a really nice number, in more ways than one.

Earn A Very Comfortable Living With The Lowest Possible Overheads Ever - Right In Your Pajamas At Home!

In addition, most of my Internet Businesses are operated by me alone. So I have very few employee problems to worry about, very low overheads each and every month, and only "work" as and when I feel like it!

I say this not to impress you, but to impress upon you that the Internet has opened up A WHOLE NEW WORLD of possibilities for entrepreneurs from AROUND THE WORLD who aspire to start a FREE OR LOW-COST Internet Business of their own and earn a VERY COMFORTABLE living with it without ever having to leave their homes or mortgage them in the process!

If you're one of them, and you want to get going very quickly with the right guidance, may I suggest that you get my one-of-a-kind Mini-Encyclopedia Of Low-Cost, High-Profit Internet Business Models?

Not only that - discover how you can be in business one week from now and earn truckloads of cash after that with the same Mini-Encyclopedia!

Click here to get your copy of the Mini-Encyclopedia Of Low-Cost, High-Profit Internet Business Models today

My sons & daughter

This is my baby boy - Miq. What a nice name huh..! Photo taken 2 DAYS after he was born. All of us love Miq very much indeed.

Miq at 4 months old


Miq's siblings

Hi everyone !!

My first posting for this blog. What I want you to watch is this video clip of mine. It's called 'Rindu Bayangan'. (a song made popular by the Carefree band in the 70's). It's me playing the guitar in this video clip with the background music rearranged by my friend Gcloud.

Hope you'll enjoy...:8-)