Showing posts with label Personal. Show all posts
Showing posts with label Personal. Show all posts

Thursday, February 26, 2009

An Important Feature Of E-Book Marketing

Mainly people that have had contact with the Internet should have heard of Ebooks and if you are an internet marketer then you should know what an Ebook compiler is.

The difficulty with Ebook compilers is that they are so many out there, which makes it really difficult to figure out which one to select. I’m going to try to make your job a little bit easier by giving you a few pointers on how to choose the best Ebook compiler.

An Ebook compiler is a software tool that changes a document into an .exe file. for visit detial:-www.easy-pdf-toolkit.com.The Ebook file thus created is a stand alone file and can be viewed without the aid of another software application such as Adobe Reader.

The big number of Ebook compilers makes it difficult but there are a series of options that you will need to take into account when trying to find the best one to suit your needs. Mainly people that have had contact with the Internet should have heard of Ebooks and if you are an internet marketer then you should know what an Ebook compiler is.

When you find an Ebook compiler make sure it comes with enough documentation such as a manual. In this way you will be sure that you can take full benefits of the program’s features.

Since your documents won’t be only txt files make sure to choose a compiler that can transform any documents such as html, Word, MS PowerPoint or text into an executable.

Also look at the system requirements for the Ebook. You need to make sure it is compatible with your operating system and with other operating systems from which it may be viewed. HTML base Ebooks pose another difficulty as well, for this kind of Ebooks keep an eye out for browser compatibility.

An important feature of any Ebook compiler is security. for more detial:-www.create-free-pdf.com.Any good compiler should offer features such as restricting certain viewers or keeping Ebook content from being altered. It also should prevent printing of the Ebook and should allow the use of passwords or encryption methods to stop copy-write.

When you choose your compiler also look for as a lot of features as possible. Try to choose one that offer the possibility of adding hyperlinks, audios and visual effects, graphics and customized menus.

Though features can help you create your dream Ebook you need to be careful at what features you need. More features mostly means that you will have to pay more So try to choose a compiler that offers the features which you will actually use in your Ebook. When you choose your compiler also look for as a lot of features as possible. Try to choose one that offer the possibility of adding hyperlinks, audios and visual effects, graphics and customized menus.

Finding the right Ebook compiler is just a step towards creating a quality Ebook. Take your time and find a program that suits you, after all you will pay for it and you will have to use it.

Saturday, January 17, 2009

Obama Employs His Version of Ronald Reagan

Obama spoke Thursday at George Mason University about his American Recovery and Reinvestment Plan -- a.k.a. the stimulus package.

There’s an interesting section that would warm the heart of John Maynard Keynes. It goes like this: “It is true that we cannot depend on government alone to create jobs or long-term growth, but at this particular moment, only government can provide the short-term boost necessary to lift us from a recession this deep and severe.”

Well, 28 years ago Ronald Reagan said government was the problem, not the solution. Dealing with a bad recession like this one, the Gipper lowered taxes and domestic spending. Obama on the other hand has offered an $800 billion package, with plenty of infrastructure spending that alleges to create three million jobs. Nobody really believes infrastructure spending will end the recession or create permanent new jobs.

However, it’s interesting just how much the Obama plan has changed since the election. The size has been roughly constant. But the mix of tax cuts and spending increases is now totally different. Instead of $100 billion worth of tax credits, there are now $300 billion worth of tax cuts.

This includes a big new piece for business, more cash-expensing for small-business investment, and a restoration of the five-year tax-loss carry-back, which will especially help banks and homebuilders. It might even result in tax refunds for businesses, and might also allow banks to rid themselves of toxic assets, since the losses will now be spread over many years.

So what we have now is an $800 billion stimulus package with $300 billion of so-called tax cuts which could infer less spending than before -- maybe only $500 billion worth. Obama’s economic advisers are bragging to me about their new tax-cut package.

They say they’re very pro-growth. And you know what? I acknowledge it. People like Larry Summers, Austan Goolsbee, Christy Romer, and Tim Geithner are no left-wing big-government whackos.

They may not be hard-core supply-siders. But in terms of the economics profession, I would call them center-right. And they absolutely understand the importance of private business and investment in the job-creating economic-growth process.

And I think they’re views are the main reason for the reshaping of the Obama package between the campaign trail and the eve of inauguration. The problem is that they’re not reducing marginal tax rates on large and small businesses or individuals.

Their tax credits will be two-year’s worth, not permanent. There will be no incentive effects to maximize growth. And many of the tax cuts are refundable credits, which really are a form of government spending. So it’s not a supply-side package.

However, I’ve really never met a tax cut I didn’t like. And any tax cut is better than a spending increase since private companies and individuals will at least get the money instead of government.

This is the interesting part of the Obama plan. Somewhere in there the tax cuts will have a small positive economic effect. I would have designed it differently, but then again Team Obama won the election. I guess I could say it could have been worse. Of course, Team Obama will have to contend with the sticker shock of a $1.2 trillion deficit for 2009, just printed by the Congressional Budget Office. And that’s before the Obama stimulus plan.

But I don’t think Republicans really have a leg to stand on with the deficit argument -- or for that matter the spending argument. Yes, Obama is raising the ante, and the new numbers are just about over the edge. But a lot of that new deficit is TARP money that should be scored as investment -- not real spending. And in view of all the economic pessimism out there, I doubt if the public is very worried about deficits. What’s most regrettable is that congressional Republicans have yet to make the alternative case.

They haven’t pressed for marginal tax-rate cuts as an option to Obama’s credits. So far, the GOP is me-too. They’ve offered an echo instead of a choice. Meanwhile, polls now say the public favors Obama’s plan by 55 to 65 percent.

His personal approval rating is even higher. And he’s being politically astute by reaching out to Republicans. He has virtually removed partisan rhetoric. Simply put, Obama is in the driver’s seat right now. Sure, the Democratic Congress may mangle Obama’s plan.

They might even repeal the Bush tax cuts this year. So there is considerable uncertainty about the details of the final package. But I must say, a crafty Obama is doing his best top employ his version of the Reagan tax-cut plan.

Obama talks big government. But so far his program actually reduces the government-spending share and increases the private tax-cut share.

By Larry Kudlow

Chance of becoming America's

The man with an increasingly good chance of becoming America's first black president officially announced his candidacy on a cold Springfield morning just as newly deceased Anna Nicole Smith and newly shorn Brittney Spears inflicted serious competition for TV viewers.

Nevertheless Barack Obama, the 45-year-old son of Kenya and Kansas, has penetrated the media's foggy obsession with tabloid stars and has become, in short order, a celebrity himself. He has jump-started interest in the presidential race and zinged from something like 12 percent name recognition to being a close second for the Democratic nomination. With the campaign's starting gun only just fired, Obama is already perceived as a powerful threat to Hillary Clinton's well-funded political juggernaut and John Edwards' carefully planned strategies, and has emerged as the presumptive speaker for the conscience of the country in the 2008 presidential sweepstakes.

Many are excited just to be passionate again about a presidential campaign, even if it turns out be the classic brief dance of an underdog. But with lightning swiftness, an Obama nomination seems tantalizingly possible. Even sitting presidents can't always raise the $1.3 million taken in by the Obama campaign during a single fundraising event in Los Angeles on Feb. 20 sponsored by Hollywood moguls Steven Spielberg, Jeff Katzenberg and David Geffen.

The field reports on Obama are also impressive:
He recently addressed the largest ever pre-presidential-primary crowds in New Hampshire, Iowa, Ohio and Texas and has been endorsed by Iowa's attorney general and state treasurer -- pragmatic characters practiced at backing obvious winners in their state. The Iowa caucuses early next year will be among the nation's first electoral tests of presidential candidates. Inside the offices of MoveOn.org, there is agreement that Obama is far and away the favorite among its members and has been for the past six months. Former Senate Majority Leader Tom Daschle has endorsed him, saying that Obama "personifies the future of Democratic leadership."

Don't Spend a Fortune on Your Shopping

Over the past year many people have found various bills and living costs rocketing, and this has made it very difficult for many to cope financially.

When it comes to our shopping bills many of us have seen our shopping bills rocket over the past year, with the price of food having soared in a relatively short space of time.

There are a number of ways that you can take to help keep the cost of your shopping down, and whilst the price of some foods is apparently coming down you still need to do all you can to aid your finances.

The competition between the various major supermarkets has resulted in many offering a variety of special offers and deals for customers each week, and these deals can help to shave a substantial sum from your shopping bill.

In order to take advantage of as many different special offers and deals as possible you may find that it is worth doing your weekly or monthly shop at a number of supermarkets rather than using just one supermarket.

Some of the special deals that could save you money on your shopping include buy one get one free deals, three for two deals, and cut price deals, such as half price goods.

You need to resist the temptation to buy products that you would not normally buy just because they are on special offer, as this will end up costing you money rather than saving you money.

Another way in which you can save money on your shopping is by switching to one of the various discount supermarkets that are in operation, which have gained popularity over the past year.

Whilst the discount stores do offer good deals and prices, the choice is not as good as with the major supermarkets, so you may still need to do some of your shop at your regular store.Not having a list with you can end up costing your more too, as this can result in you putting unnecessary items in your trolley whilst missing the things that you actually did need to get, which you will then have to go out again to fetch.

The purpose of having a list is to ensure that you get the things that you need, and this also means sticking to what is on the list and not getting carried away with all the various items that are shouting out to you on the shelves.

Finally, one suggest that was made recently by the government is that you plan out your family meals for the week, so that you know in advance what you need to get in your shop, and can avoid buying items that you will not use or need.

Most of us have been guilty of putting unnecessary items in our trolleys when shopping, and forward planning can help to eliminate this risk.Alisdair Cosgrove interests include autos, loans, insurance and other personal finance topics and can find more of his work at the site one38.org, offering affordable auto loans and also for thos who have been refused elsewhere we have accesss to bad credit auto loans and shoud be able to help no matter your credit history.

By Alisdair Cosgrove

Wealthy by Following These Five Lessons

If you follow the 5 lessons below, your life will change and you will become wealthy. These lessons are very simple; however, they require your commitment and a change in how you presently deal with money.

It requires a change in your current model of thought. But if you decide it is what you want, then you can become wealthy.Lesson

1: Decide To Be WealthyMake a decision today to be wealthy. Write down this goal, and either pin it on your goal board or carry the paper with you at all times. Take a look at your goal every day: Today I decide to be wealthy.Your conscious decision to make a choice is the beginning of all your journeys. The moment you make a decision your consciousness will automatically start working on the solution to create that reality. Burn your desire to be wealthy into your subconscious mind and just watch it go to work. Maintain s strong commitment to your goals.Lesson

2: Take Responsibility For Your MoneyIf you don't control your money, your money will control you! Controlling your money simply means that you need to know how much money you have, where you spend it and where it comes from. Take a piece of paper and write these three items down as precisely as possible. Again this will not work without a full commitment from you to follow through with every step.Make this list as detailed as you can. Get a feeling of what your money is doing. The entire point of this exercise is to make your money work for you (you control your money)-and not the opposite (your money controls you). You need to know where every penny you have ends up. Keep extremely strict and thorough records for at least one full week or two. Write down every expenditure, no matter how small it may be, account for every penny, no excuses.Lesson

3: Keep A Portion of Everything You EarnWealthy people pay themselves first, and then pay the bills! From time to time you hear stories about celebrities going bankrupt or having to wait tables. What happened? They obviously never saved a portion of their income and put it aside. If they had, they would still be wealthy. Your commitment to this habit cannot be broken, make the decision and follow through all the time.Take at least 10% of your income every month and put it aside. Never ever touch this money for anything other than for investment purpose to make this money work for you. Don't kill the goose that lays the golden eggs. If you spend every penny you earn your chances of becoming wealthy are about zero. You must invest for your future or your future won't be much fun.Lesson

4: Win In The MarginsAlways strive to improve your income and watch your costs. Reduce the money you spend. Do you really need that electric sock dispenser? Drive a more economical car and move into a smaller house with less expensive rent or mortgage. Replace the common belief that consuming for its own sake is a necessary part of your life with something that is more balanced.Accumulating possessions will not make you happy! More stuff reduces your free attention, and you'll have less attention left to focus on building your wealth. Strapping yourself with debt just so you may have some instant gratification is the quickest way to the poor house. Going without a few of the non-essentials will ease up on your spending tremendously. By sacrificing now you will be grateful later. You would be surprised how much extra money you would have to put towards your goal of becoming wealthy.Lesson

5: Give backWould you like to live in a society where everybody has more than enough, where everybody is mostly focused on helping and supporting others? I bet you do. If everybody focuses only on themselves, our society would soon starve to death and be split into winners and losers.If everybody focuses on giving back and on contributing to a better society, we would all have more than enough happiness. Peace and abundance would be the common ground.

Understand that we are not truly separate from one another; we are all depend on each other. The very things we all need the most-like fresh air, healthy food and loving hearts-are the things we most depend on others. The more we understand that this is a cooperative process and not an individual, separate one, the more we will reap the benefits from it.Sharing your wealth and time is love made visible.

I think you would find that the wealthiest people who give back now did so even before they became so wealthy. With a strong commitment and desire you can become wealthy, believe it can happen and take action, and all your dreams will come true.

By Howard G Platt

Avoid Getting Your Home Repossessed

With estimates of 45,000 home repossessions this year in the UK, the chance of repossession is higher and ever.

I would like to pass on advice to you so if you are struggling you can take action to avoid losing your home.The worst thing you can do is ignore the problem, it won't go away. If you have falling into arrears or can't make the next payment, contact your lender.

They may be able to offer you alternatives, like a payment holiday or a longer repayment plan which will lower your monthly repayments.Improve your financesYou should also have a look at your own finances.

First of all your debts, if you owe money use a comparison service or check best buy tables to see if you can benefit from a better interest rate, if you leave it until you have defaulted on your mortgage or on other payments then your chance of getting new credit is highly unlikely.

Do you have a spare room? You could make additional income from this; you may not like the idea of sharing your home but it could make the difference and it can be fairly short term, as soon as your finances improve you can have your home back.Prioritize your debts. Most important are loans secured against your home.

Then after this make sure you at least make the minimum payments on credit cards, after this pay as much as you can afford to the one with the highest interest rate.Seek adviceThere are many organizations that can help, providing advice on sorting out your finances and can give advice on negotiating with lenders.

New government legislation means lenders should help you and will offer deferred payments, sometimes for up to, two years, which is underwritten by the government.When you do speak to your mortgage lender, be honest with them. Tell them about your debts so they understand what exactly you can afford to repay. You don't want to get into further trouble if avoidable.

Once you are in a more stable position compare mortgage rates to ensure you are getting the best rates, you could save yourself thousands in repayments over the course of the mortgage.

A mortgage broker can search the market for you whether you want an Aberdeen mortgage or London mortgage. There are many brokers who offer their service for free to customers, meaning you can avoid paying out more money for a service you may not need.

By Chris Borthwick

Are You an Internet Buyer Junkie?

There is a programme starting on Channel 4 called the hunt for Britain's Tightest Person.

I wonder what constitutes 'tight'? Obviously the programme is taking it all to the extreme. There are some crazy characters such as Gareth Taylor whose first-ever Christmas gift to his wife was a chainsaw, so she could cut down her own firewood!*What if we were really tighter with things that we buy? What if we started taking action on what we spend, especially when it comes to buying on the internet, whether it is clothes, products, teleclasses, downloads etc. It is all so easy.

How can we question what we spend?

The best excuse for buying on the internet is that things usually cheaper. As long as the research is done it would be a good result and more importantly as long as we want what we are buying!We can spend so much money on self development which includes spending money on marketing, yourself and anything else. It is so easy and convenient.

I was the biggest spender of money that I didn't have - especially on building my business and getting information from experts. In fact I recently went through 6 A4 files of downloads that I had bought and never actually used. Then I realised I was a course/seminar/teleclass/e-book junkie. Anything that was going, I would take on board, believing it would help me.

I then realised I had probably spent more money on that sort of thing than I actually required and if I did require expert information, I could probably have signed up with a mentor, life coach or attended the great expensive courses that are being run by the likes of Tony Robbins etc.

So what are more tips, all self learned to tighten my belt on internet buying courses etc.:

1. If you do attend a seminar, don't take a credit card, all courses have things to sell, usually there is no pressure but it can lead to you buying something you won't use. Take a note of it, think about it - you can always get it later.

2. When clearing out your 'in box' check that you are not getting rid of information regarding whatever you have paid for. I once paid for a teleclass and didn't listen to it for months afterwards. When I finally did listen, it was the same teleclass that was free months before. It was the bonuses that caught my eye and the reason I signed up to the class. The problem was I must have cleared then from my in box, so I didn't even get that.

3. Make sure you listen to any teleclasses you pay for within a week or so. If you leave it too long, you may find you have the information anyway.

4. When a 'freebee' is offered, it is usually a taster for one that you can pay for - that is really a good thing as you can "try before you buy".

5. Ensure what you are paying for is something you want, can learn from and can utilise.

6. There are so many self help/information imparting teleclasses/seminars that are free or charge a nominal sum - ensure it is something you really want. Make sure you do the research.

7. Check if there is a money back guarantee on anything you buy and use it if you really aren't happy with what you have bought.

8. If you really want to spend a lot of money on something to learn from either in a marketing capacity or a learning capacity - see what there is out there. Do the research

9. I keep saying research - I mean it research and research again before you buy.

10. Don't become an "unhappy signer upper". You see something in your in box and read what it is and think that's great - some of these are so long you have to scroll down the bottom to get the amounts - that is your hook - scroll down first see how much it is and then see what you are getting for your money.

11. Check your budget before you buy anything on line and see what it is you can afford.

12. Be strong and picky.

13. Remember, there is no such thing as a free lunch*Taken from Daily MailDenise Vogel is a Life Coach based in Essex.Life Coaching provides accountability.

You have to be very strong willed to do everything you want on your own, without the support of someone else. As your life coach, I do exactly as it says on the tin.

By Denise Vogel