Sunday, June 7, 2009

Dont ArgyBargy Simply Do It!

THE SERIOUS WORTH OF SILLY

Serious things cannot be understood without
humorous things
Nor opposites without opposites.
Plato

Silly things can help us to achieve important things. Today will be a silly day.

Echo-words are so much fun to say. They feel good on our tongue and often make us laugh -- at least when we first hear them. I just learned the term argy-bargy, and I laughed when I heard it. It means an argument or to argue; its both a noun and a verb. Its cousin is argle-bargle with the same definition.

Argy came from argument and then it picked up an echo along the way and became argy-bargy. Can you imagine the possible results when you begin to use the term? Lets not argy-bargy. That alone might defuse any tense situation. Incorporate it into your vocabulary and enjoy the pattern interrupt whenever you use it.

Hurly-burly is another echo-word. Hurly comes from the root meaning to howl. Sometime in history burly joined hurly because it rhymed. We seem to like echo words -- hodge-podge, wishy-washy, what else?

A BUNCH OF GIBBERISH

Make an echo for your name. Make several. Say aloud: My name is Julie-bulie, or Stephanie-yephanie, or Richard-slichard [use your own name, of course. You are messing around and messing around is good. Messing around loosens up the paths in your brain and the habits of your tongue. Messing around supports your creativity.

I like nonsense. It breaks up the brain cells. Dr. Seuss

Now for more messing around, more creativity push-ups. Talk gibberish. Say only nonsense syllables. If you have trouble starting, take each of the vowels sounds and use variations of them. O, zo, po, kwo, ifmo, noto, tooro, ogtolopo.

You might want to find a friend and have a whole conversation in gibberish. You will be surprised at the level of communication. (We often use gibberish in training programs to how much of communication is nonverbal.) And you will surprised at how much you will laugh. Remember all those gifts that laughter gives you?

Spend several minutes speaking gibberish and see what happens. You will feel your mind freeing up. You will feel released. You may not be able to stop.

Silly is one of the most powerful creativity inducers you have. Hey, reader-kreader, get silly-pilly now.

And Today . . .

I have a friend who is a comic and character actor, and a master of gibberish. A fun kind of friend to have. He is also a jazz musician. He introduced me to the amazing activity of scatting.

Jazz musicians improvise with their instruments. Some jazz singers improvise in a certain way with their instruments, their vocal cords. They scat. Scatting is like gibberish set to music. They sing nonsense syllables. When you hear scatting, you hear a kind of freedom and often some playfulness.

Yep, thats your assignment for today -- scatting. Get out your favorite music and scat to it. Get your whole body involved. Scat at the top of your lungs and below a whisper. Let the neighbors hear (or co-workers, if appropriate). Then scat so softly you can barely hear it. Mess around, scat around, play around.

When you are not near music, scat to the songs in your head.

Scat no less than fifteen minutes today, preferably much more. Scatter your scatting throughout the day. You will enjoy that freedom after you jump in and do it. Break the silly barrier and try it. What have you got to lose?

You will dissolve some ruts in your brain and some furrows in your brow. And scatting can be very aerobic when you bring your body along.

What a LULU (Loosen Up, Lighten Up) day this is going to be.

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Thank you very much.

Stephanie West Allen, JD, brings humor and motivation to organizations.
http://www.allen-nichols.com
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10 Short Self-Help Quotes To Add Punch To Your Ezine, Newsletter Or Website.Noel Peebles

Any of these quotes may be freely published with the authors name and website address left in tact.

10 SHORT SELF-HELP QUOTES TO ADD PUNCH TO YOUR EZINE, NEWSLETTER OR WEBSITE.

By Noel Peebles

1. Power And Control

Your present life is the result of the decisions you have made over the years and the same will be true of your future. You have the power to take possession of your mind and to direct it to whatever ends you desire.

Noel Peebles, Author Sell Your Business The Easy Way http://www.instantsellbusiness.com

2. Circumstances

Are your current circumstances holding you back? Or is it what you choose to believe about those circumstances and your power (or lack of) to change them?

Noel Peebles, Author Sell Your Business The Easy Way http://www.instantsellbusiness.com

3. Ideas

Every day millions, probably billions, of ideas pop into the minds of people
all around the world. In reality though, only a small percentage of ideas are
worth the time it took for the thought. Most ideas are fleeting sparks of inspiration that go nowhere. Sadly, they get forgotten about before they ever see the light of day.

Noel Peebles, Author Sell Your Business The Easy Way http://www.instantsellbusiness.com

4. Making Choices

Life is a self-fulfilling prophecy. You create the life you live through your
choices and your thoughts. You won't always get exactly what you want, but in the long run you will get what you expect.

Noel Peebles, Author Sell Your Business The Easy Way http://www.instantsellbusiness.com

5. Dreams

When you dare to dream, it is amazing what miracles can be achieved. Trouble is; most people never start dreaming their impossible dream.

Noel Peebles, Author Sell Your Business The Easy Way http://www.instantsellbusiness.com

6. Success In Life

The game of life is real and is played between the ears. The way you think
determines the decisions you make. The decisions you make determines what you do. And what you do determines how successful you will become.

Noel Peebles, Author Sell Your Business The Easy Way http://www.instantsellbusiness.com

7. Friends And Family

Your friends and family will want the best for you. Their motives and intentions will be good. But, be warned; they all see the world through their own fears, faults, and failures.

Noel Peebles, Author Sell Your Business The Easy Way http://www.instantsellbusiness.com

8. Goals

What do you really want? That question is at the foundation of all success.
Do you want it badly enough that you will work through problem after problem and failure after failure, to get what you really want?

Noel Peebles, Author Sell Your Business The Easy Way http://www.instantsellbusiness.com

9. Learning

Each attempt is not a failure. It is simply another step forward...a learning
experience, leading to your ultimate success.

Noel Peebles, Author Sell Your Business The Easy Way http://www.instantsellbusiness.com

10. Experience

I believe we can learn more from the experience of others than we have time on this earth to discover for ourselves. The trick is to learn from those
who have already been there. Trust their experience above those who haven't done what you want to do.

Noel Peebles, Author Sell Your Business The Easy Way http://www.instantsellbusiness.com

Any of the above quotes may be freely published with the authors name and website address left in tact.

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

Get Your 100% FREE mini-course 17 Powerful Secrets That Have Made Business Owners Into Millionaires. 100% FREE! Simply send a blank email to: instantsellbusiness@ReportsNetwork.com

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

Noel Peebles runs his own direct marketing and internet company, supplying marketing and management solutions for small businesses.


Saturday, June 6, 2009

Child Injury Prevention


According to the U.S. Consumer Product Safety Commission, a majority of stroller accidents are caused by tipping. Whether caused by standing children, or unbalanced loads, the result is usually an abrasion or laceration.


However, a much more serious accident that doubles in number each year is one involving a motor vehicle and a stroller. Every year, hundreds of children are seriously injured or killed by otherwise cautious drivers that simply do not see a child stroller in a crosswalk or a parking lot.


Picture this real-life scenario:
You're waiting at the cross walk with your baby in a stroller, trying to peek over the car parked on the side of the road to see if it's clear so that you and your baby can cross safely.


It looks all clear. You push your stroller in front of you, and as the stroller is emerging from behind the parked car, suddenly another car or a truck comes speeding down the street or around the corner.


The driver does not see the stroller because it's below his eye level, the driver does not see you because you are blocked by the parked car, the driver has no idea that your stroller and your baby are in his path.


After a near miss of his own, Brett Cohen of New York, a father of three, felt compelled to find a solution.


With the go ahead from his wife, he started development on the Stroller Safety Flag. During the development process, Mr. Cohen continued hearing stories of tragedies from all over the U.S., and with news of each tragedy, he poured more time and resources into his invention.


The purpose of the Stroller Safety Flag is to slightly lead the stroller so the flag is seen before the stroller emerges. It mounts quickly, easily, and securely on all models of strollers through the use of a patent pending universal device. It can even be mounted horizontally to jogging strollers to prevent cars from getting to close.


Indoors, the flag can be instantly shortened to half its height.
The Stroller Safety Flag is also useful for ride-on toys, bicycles, and wheelchairs.


For more information on dad advice, please visit: http://www.greatdad.com/
About the Author

Friday, June 5, 2009

Brokers or Lenders ? Which Do You Want for Your Real Estate Mortgage?

A mortgage is a mortgage is a mortgage. NOT! Not only do mortgages differ between lenders, but they also differ greatly by the lenders, themselves. There are two types of real estate originators ? brokers and loan officers.

Brokers generally are self-employed professionals, who work to secure a real estate loan for you. They work through a variety of lenders and earn a fee for the transaction. Most of the mortgage lenders who advertise on the Internet are brokers.

Loan officers are employees of a bank, credit union, or other lending institution, such as a mortgage company. They sell and process mortgages and other loans only for their employers. They are usually local and in a physical location.

There are advantages and disadvantages in using both brokers and loan officers for your real estate purchase, so you need to shop for the one that is right for you and your particular circumstance.

Brokers

The advantages to using a mortgage broker for your real estate purchase are many. Usually, the better deal they get for you, the buyer, the more they are paid on the transaction ? a big plus for you. If your local bank, mortgage company, or credit union has refused you a loan, a mortgage broker may be able to find a lender, even if you have bad credit ? just expect to pay a higher interest rate. If your real estate is unique or commercial property, using a mortgage broker to secure a loan is at times easier and faster.

One downside of using a mortgage broker is that your mortgage loan will be sold to another lender immediately after closing. Another is that brokers choose to do either non-conforming loans, which are higher risk and usually higher interest rates, or conforming loans. This limits your loan options. Brokers do not have to disclose a ?good faith? estimate on what closing costs will be, nor are they regulated by the Fair Credit Act. Additionally, they seldom have a physical office with employees offering you face-to-face customer service, and they generally are in another town or state than where your real estate is located. This means they may not understand the local market in which you purchased your real estate. Important issues may arise from the real estate classifications and terms used by your appraiser, for example.

Loan Officers

Though loan officers offer a variety in the types of loans available, you are limited to only those products offered by one institution. Usually a local institution, the loan officer will be familiar with all local regulations and issues will not arise over lack of knowledge in local market terminology.

Banks and Mortgage Companies

Bank and mortgage company loan officers will give you face-to-face customer services, at least before the closing. Like brokers, banks have the option of selling real estate loans on the secondary market. Some banks sell only low-end mortgages or those that require too much servicing with little return. Some sell the loan but keep the servicing portion, making it appear that your mortgage continues to be owned by the bank or mortgage company. They are required, however, to tell you during the initial paperwork if your mortgage may be sold. I suggest you ask before you ever get to that point, if this is a deal breaker for you.

Bank and mortgage company loan officers are licensed and must meet certain criteria. They have more criteria that you must meet, as well, in order to secure a loan (banks usually require the most). Many real estate buyers are refused mortgage loans by these institutions. Both banks and mortgage companies generally do offer better rates and terms. They also must disclose a good faith estimate on what closing costs will be, and they are regulated and audited under the Fair Credit Act.

Credit Unions

You must be a member of a credit union to apply for a loan with them. Many credit unions do not offer real estate loans. The major advantage of securing a loan from a credit union is that they pass on only actual costs of the loan to you ? no broker fees or commissions. They also never sell their loans on the secondary market, they always are local, and give you continuing face-to-face customer service.

What to Do

The time to begin looking for a mortgage lender is before you begin looking at real estate. Ask family and friends for referrals, as well as their experience with the real estate lender. Ask your real estate agent for referrals. Then, contact each prospective lender and ask questions ? lots of questions! Compare interest rates, terms, after the closing mortgage sale policies, and what criteria do they require that you meet in order to qualify for a real estate loan.

If you are a residential real estate buyer, consider getting pre-approved for a loan. You will know exactly what you can afford to buy, which usually turns out to be much more than you expect.

Spend as much time shopping for a mortgage lender as you will for your real estate. The deal you get can save or cost you thousands or even millions over the life of the mortgage. Get the best deal possible, as well as the right lender for your real estate purchase.

John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.twtrealestate.com

Thursday, June 4, 2009

Downturn in Home Ownership Can Be a Windfall to Savvy Investors

With the housing market beginning to cool and interest rates on the rise, this may be an excellent time for investors to buy rental properties. The combination of those two market factors, along with an increase in the number of folks looking for new housing, could spell big profits for savvy real estate investors.

In the second quarter of 2006, home ownership actually rose somewhat, to 68.7 percent (although it was up less than a half percentage point), but that figure is down more than a percentage point from the high point, which occurred in the second quarter of 2004 (69.2 percent). Although that rise may be good for real estate sellers, recent interest rates, coupled with a large increase in property values during the housing boom many areas of the country experienced over the last several years, have made it much more difficult for buyers to get into homes of their own.

What does that mean to investors? It means that even at during the peak of home ownership in 2004, more than 3 out of every 10 Americans still rented the houses in which they lived, and it appears as if that figure may increase. In the last week of July 2006, the Mortgage Bankers Association reported that applications for home loans had reached a four-year low. As an investor, those figures should spark your interest, because they indicate that more people are being forced to rent, whether they want to or not, until market factors adjust to make home ownership more feasible.

That fact was borne out in a recent survey by the National Multi Housing Council, which discovered that some 75 percent of apartment executives reported lower vacancy rates, higher rents, or both. In fact, the survey found that the Market Tightness Index, which is used to measure rental market conditions, increased to 85 in the second quarter of 2006, which was the highest number on record. Any number above 50 on that scale indicates improving market conditions for landlords, and it's been above 50 for 12 consecutive quarters. (The last time it was below 50 was July 2003.)

All of these factors offer a clear indication that owning rental properties makes more sense than it has in a long time, and that trend appears set to continue for some time to come. That conclusion was verified when a study by Harvard University identified a number of demographic forces that are combining to strengthen the rental housing market, especially echo boomers and second-generation Americans. The fact that investors are having to pay higher interest rates to buy rental properties has also translated into increased rents over the past few years.

With home buyers having more difficulty financing their dream homes, it appears as if the rental market will continue to strengthen for some time, at least until a market correction brings down home prices, which have been spiraling significantly over the past few years. As more and more people begin to look at renting as an option while they wait for that correction, savvy investors may be able to experience increased profits by adding more rentals to their inventory.

Copyright ? 2006 Jeanette J. Fisher

Jeanette Fisher teaches beginning real estate investors four ways to make money in any real estate market. Free Real Estate Investing Business Plan and free ebook, The Truth about Making Money Flipping Houses at http://www.doghousetodollhousefordollars.com

Wednesday, June 3, 2009

Affordable Disney World

Is there such a thing as an affordable disney world? What! You must be joking right? Fortunately for you, I have been to disney world several times, and have learned some tricks along the way...

1) Do some research beforehand and find out if there are coupons: The internet is a wonderful place to learn about coupons. You should also look to see if you can save additional money by getting your disney tickets at a local grocery store in Orlando. We did this and saved big!

2) If you can, travel during the off season: Disney does a lot less business then, and not only are the parks much less crowded, but the hotel rates drop bigtime. Pulling the kids out of school can be a pain, but you can call it an educational trip. Just have your kids keep track of what they did, and what they learned.

3) Save on eating costs: You can eat breakfast at your hotel, and pack lunches to eat in the park. Disney actually allows you to bring a backpack of food inside!

4) Don't buy souvenir every single day: Buying your souvenirs at the end of your trip cuts out those impulse buys. Plus, when you are buying stuff every day you don't realize how much you've gotten, it really adds up! This way you can decide at the end of the week, after you have seen all of the parks, and know exactly where to spend your money.

I sure hope that my tips help to make an affordable disney world for you!

Matt Bush is an experienced and caring parent. He also loves to travel! Did you know you can save 50 to 75% on flights and hotels by using ravel agent only' rates?
Click here to read Matt's honest review on Travel Industry Secrets and decide for yourself


Tuesday, June 2, 2009

Tips About Your Real Estate Agent

So you're looking for a new house or a lot for sale on which you can build your dream house. You know you need to enlist the aid of a real estate agent. Here are some tips that will help you find the right one.

The first thing to remember and, ironically, the most important thing for a lot of people, is that your real estate agent will not be working for you. That's a common misconception. No matter who the real estate agent is and how close your personal ties may be, the agent's primary objective is to sell a piece of property to you. In fact, his income depends on that sale. The larger you pay for the property you want, the bigger his commission. Bear that in mind: it is in the real estate agent's interest to make you spend more.

Sometimes we become really comfortable and open with sales people that we share confidential matters that can have huge bearing on a potential sale. For instance, you may tell them that you are desperate for a piece of property because you have to move out of your old house within a week. This lets your sales agent know that they can sell the property to you at a high price. As a general rule, don't let anyone know how much you are willing to pay for a new house or lot.

Oftentimes, the first question that a real estate agent throws at you is precisely that: how much are you willing to pay? It's an old ploy so don't fall for it. In response, simply state the price that you want to pay and, if they ask again, tell them that's the ceiling. Add that if the seller does not agree to that price, then there is nothing to talk about and move on. Chances are great that a serious seller (or buyer, for that matter) will immediately turn down a prospect upon hearing the first bid. In all likelihood, a serious buyer or seller will negotiate and explore options.

Finally, don't let your real estate agent choose the lawyer who will write up the property agreement, precisely because the agent is trying to sell you something. It would be far better if you selected your attorney yourself.

Jonathon Hardcastle writes articles on many topics including Real Estate, Business, and Finance.

Monday, June 1, 2009

Travelling safely with your child


Travelling safely with your child


When you have children your priorities change and you suddenly have to be completely responsible for someone else's life. A small child relies on you completely for its protection and welfare. A child's safety is particularly important when travelling. It is the drivers' responsibility to ensure that all passengers are properly strapped into the car, especially children until they can be taught to strap themselves in.


Every year around 30 children between the ages of 0 and 11 are killed in car accidents, 450 are seriously injured and another 8,000 are slightly injured, according to the Royal Society for the Prevention of Accidents (RoSPA). Many of these children could have been spared from injury if they had been properly restrained in the car they were travelling in. For example in a crash at 30 mph where a child is unrestrained they would be thrown forwards with a force of between 30 and 60 times their own body weight. There is no substitute for a proper child seat that is fitted according to the manufacturers' guidelines. Holding a child without restraint is dangerous as it would be impossible to hold on tight enough to them in the event of an accident.


A car seat is the only really safe way to transport your child in the car. There are different seats you can buy according to the size and weight of the child. You must buy a seat that is appropriate and get advice on fitting it in your car. Not all car seats fit in all cars so you should check with the retailer before you buy, that your seat is suitable for your car.


To help you buy the right seat for your child we've put together a list of hints and tips to follow when buying your child's car seat.


Tips for buying a car seat


*First of all you should make sure that every car seat you consider meets the United Nations standard Regulation 44.03 and carries the 'E' mark that verifies this.


*Look at the range of options available. Manufacturers have websites that list details of their car seats and also lots of information on safety and helpful user guides. Here is a list of some of the leading car seat manufacturers.


http://www.britax.co.uk/


http://www.mamasandpapasonline.com/


http://www.maxi-cosi.com/


*When you are buying a car seat for a newborn baby there are two options available to you. You can either buy a rearward facing seat which is suitable until your child weighs about 10/13kg. These are often supplied with buggies and can be lifted in and out of the car. You can also buy a two-way seat which faces inwards for about the first year and then outwards until the child is around 150cms tall. If you go for the rearward facing seat you will need to buy another seat for the child when it grows and possibly a booster seat in between for a child that weighs 15 - 25kgs


*Not all car seats fit all cars so find out which ones are suitable for your vehicle and then follow the instructions very carefully


*The car seat should be light and comfortable to carry. This will make it easier for you to take your baby in and out of the car


*It seat should be well padded for the child's comfort and have good head support as a small baby cannot support its own head


*You should never put a rearward facing car seat on a seat where there is an active airbag because if the airbag inflates in an accident it could kill your baby. Many cars allow you to disable the passenger airbag


*Never buy a second hand car seat as like motorcycle helmets you cannot see all damage that may have been sustained in a previous accident


*Make sure the seat doesn't wobble about at all and feels very secure, you could check this every time you put the baby into the seat


*Check the seat for wear and tear and for any harnesses that may be twisted


*If you are a member of the AA or the RAC then you can speak to one of their technical advisors and find out exactly how to fit your car seat. Call 0990 500600 for the AA and 0990 313131 for the RAC


All new car seats will have to meet the International Standards Organisation FIX (ISOFIX). This is a new standard for fitting car seats and lots of new cars will have to have ISOFIX fitting points which will enable the seat to be literally plugged into ISOFIX points in the car. This will make fitting car seats much safer and much more straightforward. Studies have shown that many car seats are not fitted properly so this will mean that children will be much safer in the future.


Car accidents happen all the time so it is better to be safe than sorry. Make sure that your child's seat is fitted correctly and that your child still fits the seat, this will help prevent injury in the event of a road traffic accident. If you are involved in a car accident that was not your fault and you or your child are injured then you may be able to make a personal injury claim.


For more information visit www.wheelsatonce.com and get free legal advice and assistance following a car accident.



-ENDS-


Editorial notes:


Wheelsatonce provides help to hundreds of people who have been involved in non fault accidents. They can organise a compensation claim, a replacement car, repairs to your car and if you need the services of a breakdown company they can also get your recovery and storage account paid.


Visit www.wheelsatonce.com or call 0800 78 38 846

About the Author

Author:
Sophie Evans - www.wheelsatonce.com
Call 0800 78 38 846 for more details

Sunday, May 31, 2009

Housing For Alternative Lifestyles

What are alternative lifestyles and why would they require alternative housing? To answer the first part it is easiest to give examples. Then the answer to the second part becomes self evident.

One winter we were camping in our conversion van at a hot springs area in Arizona. We met a man who sold stuffed animals on the side of the highway. Having been through a bad divorce, and having little money, he was living in the van at places like these hot springs. Every day he drove off to the nearest highways and set up his stuffed animals for sale. He claimed to have sold $4,000 worth the first month, so his low cost living meant he could save the money and get back on his feet.

Meanwhile, another neighbor at the hot springs was living in his old RV. He had a house, but he preferred to supplement his social security by renting it out. This meant he lived in his RV for a few weeks at each location, often for free, and spent evenings sitting around campfires talking to travelers like us.

A friend of ours lived in a shack that he built for $3,000 on a small piece of land he bought for $7,000. He was there for enough time to pay off the land and sell it for a profit. This is illegal in many areas, of course, because of things like occupancy permits and minimum square footage requirements. Usually, however, you can camp on your land, so a $2,000 used RV parked on your land makes for a cheap and legal housing alternative.

Other Housing For Alternative Lifestyles

Alternative lifestyle doesn't mean low income of course. There are other reasons for living differently and needing different types of housing. Whether to save money, to travel, to live creatively - there are many reasons why people choose to live in tents, RVs, cabins, underground homes, rental rooms and anything else that's less common than the houses, condos and apartments that most people call home. Here are a few more of these housing options.

- RV Boondocking. I've talked to people living in Rvs that cost $200,000 and ones that cost $600, so the selection of accommodations is varied, to say the least.

- Permanent travelers. Housing is whatever works for the moment for those who work various jobs as the travel.

- Houseboats. There are whole communities of people living on houseboats, and they usually don't have to pay property taxes.

- Basements. Even some people with good incomes choose to live in the basement as they build the house above for cash. No mortgage sounds nice, doesn't it?

- Log cabin squatting. Yes, there really are people living out there in the national forests, moving when they get caught every five or ten years.

- School busses. Apparently old busses sell cheap. We met three young men who lived in one in the deserts of Arizona, and anywhere else they could park it for a month.

- Offices. A couple I know almost moved into the office building they owned. It was on the river and had showers, so why not? One less mortgage too.

A national magazine recently did a write-up on people who lived in the jungles of Hawaii. Rents are high in Hawaii, and life on the beach is good - at least for younger people who can tolerate camping out for years. Alternative lifestyles and alternative housing are often more for the younger crowd. Then again, tell that to the tens of thousands of retirees living in RVs.

Copyright Steve Gillman. Visit his website for: 1. A photo of a beautiful house he and his wife bought for $17,500. 2. A free book on how to save thousands buying your next home. 3. A free real estate investing course. Visit http://www.HousesUnderFiftyThousand.com

Saturday, May 30, 2009

Will U.S. Real Estate Recession Affect the Riviera Maya of Mexico Market in the Mexican Caribbean?

U.S. Existing Home Sales Fall for 5th Straight Month. Will it Affect the Riviera Maya Real Estate Market in Mexico?

8 Top Area Professionals Share their Points of View on the Future of Real Estate in the Riviera Maya

Annual existing U.S.A home prices declined in August for the first time in more than a decade as U.S. home sales fell for a fifth straight month. The year-over-year drop in median sales prices represented a dramatic turnaround in fortunes for the once high-flying housing market, which last year was posting double-digit price gains. ?Pop goes the housing bubble,? said Joel Naroff, chief economist at Naroff Economic Advisors. He predicted prices will tumble farther as home sellers struggle with a record glut of unsold homes. The National Association of Realtors reported this past Monday that sales of existing single-family homes and condominiums dropped 0.5 percent last month to a seasonally adjusted annual rate of 6.30 million units. That was the fifth straight monthly decline and left sales 12.6 percent below the pace of a year ago.

Okay, so how will a now confirmed U.S. slowdown affect the real estate market here in the lovely Riviera Maya?

Well, to answer that question first we need to understand what's really happening in the U.S. First, it appears that the slowdown in U.S. sales meant that the inventory of unsold homes rose to a record 3.92 million units at the end of August. At last month?s sales pace, it would take 7.5 months to clear out the backlog of unsold homes, the longest stretch since April 1993. The median price of a home sold last month fell to $225,000. That was down 2.2 percent from July and down 1.7 percent from August 2005. That marked the first year-over-year drop in home prices since a 0.1 percent fall in April 1995.

Is this a temporary issue or is this the future of doom and gloom in the Riviera Maya? Find out what the areas 8 Top Pros say. Read on......

mls4rivieramaya8Last year, when the five-year U.S. housing boom was reaching its peak, median prices posted a string of double-digit gains on a year-over-year basis. The median price is the point where half the homes sell for more and half for less. David Lereah, chief economist for the Realtors, predicted price declines would continue for the rest of this year as sellers adjust asking prices downward in light of the inventory glut. ?This is the price correction we?ve been expecting,? Lereah said. ?With sales stabilizing, we should go back to positive price growth early next year.?

But some home sellers around the U.S.A. worried that cutting prices may not be enough, have been offering incentives to attract buyers, including in some cases new cars. Dave Armon, who lives in the New York City suburb of Pelham Manor, said he started out asking $1.6 million for his six-bedroom Tudor-style home three months ago ? below the $1.82 million a neighbor received ? but has slashed the price by $300,000 because he has attracted few interested buyers. ?l am sitting here thinking maybe if I buy a car and park it out front with a bow on it, that will help,? he said.

Could this happen here in the Riviera Maya? Will this type of potential buyer forgo buying here in the Riviera Maya now that his profits have disappeared?

We asked the areas 8 Top Professionals to opine and share their thoughts about this market trend and how it affects our robust real estate market here in the Riviera Maya.

RANDY BONDS - BRIC INTERNATIONAL This decline in existing home prices was expected by everybody in the market. say Randy Bonds from Bric International, a major developer who has several large projects in the Riviera Maya. Real Estate is a cyclical market just like the stock market and there will always be ups and downs in the trends. This correction that we are experiencing is greatly needed to put some sort of normality in the appreciation. The Riviera Maya, as well as the rest of the world, is going to be directly related to what is occurring in the US. These are some of the savviest purchasers all around the world and when they are trying to figure out their next move in the states and where the market is leaning they are more likely to avoid the foreign market. The Riviera Maya over the last two years experienced some of the highest % returns out of any other region in the world. This doesn?t go without certain consequences following when most investors are priced out of the market. The next two years are going to be very important to see the reactions of the builders and owners of condominiums and houses in this region. Builders that are under funded and in the middle of a build are going to be running into financial disarray with the lack of funds for completion and therefore selling at a great discount or packing up and leaving the project incomplete. Investors that currently own with the intention of reselling for a great profit are going to be a little disappointed with the buying market. We will start seeing another buyers market when builders and current owners start the price war downward. Investors, builders, and owners need to realize that patience at a time like this is very important and this region is going nowhere and is still one of the most beautiful and highly desired areas for real estate in the world. Looking back at the stock market in the early 2000?s and where it is now is not much different than what we are going to see in the real estate market over the next 2 ? 3 years. This is a time to relax and reevaluate the up and coming years.

GARY WENDT - PLAYA CITIZEN From downtown Playa del Carmen, Gary Wendt from Playa Citizen, a broker builder says Most people know that the real estate market, especially home building, has carried the economic growth in the USA (after removing oil). This has been going on for years. The housing sector has also generated nothing short of an amazing run UP of VALUE. Thus, a little downturn should be expected and not feared. And there's the rub. Oh, pesky human nature! We humans just can't help but look for things to fear and fear is the fuel for self-fulfilling prophecies and politicians. So who knows for sure what's next. I believe in cycles and location, location, location! Except for oil and real estate, the world economy has been positioned on the edge of a recession for 6 years. Recession is not good for business anywhere in the world. It is still true that as the USA goes, so goes the rest of the world. Here in Playa del Carmen? Well, I am not an economist. But I slept at a Holiday Inn recently (in Puebla - Central Mexico) and I believe that tourist properties situated along our most beautiful caribbean sea will suffer less than average in a recession. In fact, they will suffer much less than all the rest during a recession. It's also true that a great location is the best hedge against cycles in real estate. So, personally, I look for sales to slow a bit. At the very worst, should a recession actually arrive on the scene, prices probably will flatten. Then, as experienced in mid-2002, less than a year after 9/11 when this area of the world rebounded with a frenzy of interest and record growth and sales, we'll bounce again faster than the rest. Anyway, I suggest buyers and sellers plan for the long run in their investment horizons. Farsightedness made Warren Buffet rich. Remember he said,when everyone else is selling, I'm buying. To me, this levels a recession. Not EVERYONE panics and the calm people who plan for success profit.

NANCY EDWARDS - COZUMEL LIVING From the lovely island of Cozumel, Nancy Edwards who is the owner broker of Cozumel Living says While real estate in Mexico is greatly affected by what is happening in the US, I don't feel our prices will drop in Cozumel. They never do. We may have a stagnant market for awhile, but prices never drop in general in a resort area. It is true that we are still suffering a lower than low market due to the effects of Emily and Wilma last year, but prices have not fallen and while we were hoping for a price increase with the coming of this high season, it appears, we might have to buckle down and brace ourself for a mediocre high season this year. The clients that I have had come to the area recently are talking about the slowing US market, and have properties there for sale. As soon as they sell, they still plan on purchasing here. Their purchases probably will be delayed though. Clients with cash are still purchasing because it is a 'buyers market' now with many properties for sale at stagnant, last year prices.

RONNIE POOL - PLAYEXPERT.COM Caribbean Beach Properties Investments and PlayaExpert Ronnie Pool, a broker from Playa del Carmen says Any major economic slowdown in the USA will have an effect here because it means those prospective buyers don't have as strong a financial position, and may have fewer disposable assets to spend here. However, if real estate is not such a good investment there right now, by comparison our market can look even more attractive! So that can compensate. In the final tally I imagine that the sale of the lowest priced properties in our market will be hit harder than those at the upper end. The very wealthy usually ride out economic waves better than the marginally well off. But as a real estate broker I know that I create my own reality, so if I believe that my business will go down because of this ....no doubt it will. If I believe that despite challenges I am better able than anyone to get my share of the pie and still grow....no doubt I will. We reap what we sow, in life, at work, and in our own minds.

GABRIEL VILLARREAL GUERRA - CENTURY 21 MARCOS & ASSAD In my opinion, a slowdown in the housing market in the States will be most definite beneficial for our market. A weaker market means less demand for new homes and therefore less homebuilding. People could have foreseen such a slowdown, as it is clearly stated by the National Association of Home Builders (NAHB) figures: forecast is for starts to drop to an annual rate of 1.55 million - Inventory/Sales ratio - by the end of 2007, or 27% below their peak level.... reflecting less buyer traffic and a bias towards building fewer homes in the future. Eventually people will start looking for better ?deals?, will start keeping an open-mind in purchasing a second home in Mexico, will be on the look out for investment opportunities, and guaranteed they will follow a trend... put their money in a safe emerging market close to home where they have all the guarantees as foreign investors ? e.i. Banktrusts - and a positive cash flow with higher ROI?s (rate of return), making it more appealing to invest than back home. Plus, we should never forget what we have in our market that nobody else has: a fabulous Caribbean Sea and gorgeous Mayan built pyramids! Just to name a few. If there are no major upcoming changes in economic events that could somehow affect the Riviera Maya, our market will be booming higher than what any professional can foresee... and the slowturn that has taken place in the States will shift our sales figures, in my personal opinion.

THOMAS LLOYD - PLAYA REALTY EXECUTIVES Thomas Lloyd of PlayaBuyerBroker.com says Projecting the future economic and real estate market results is an incredibly difficult task. An entire collection of books are needed to demonstrate and learn the relations and influences upon pricing of homes, condos or upon the price per meter of raw land. Below please find a very general brief on this topic. First, many factors influence the local real estate market including that of the international economic indicators as mentioned in the question above. Twenty five years ago, a very soft correlation existed between USA market results and its influence on the Mexican market and vice versa. Ten years ago, as in the majority of most countries of the world, international market results have had and has continued to have a much stronger affect upon the Mexican national economic activities. Mexico?s strongest trade partner, USA, has increased their commercial relation with the Mexico with the passing of the NAFTA(North American Free Trade Agreement) which only makes our two countries influence even stronger. The trend therefore would indicate that as each decade passes, the international market results and indicators of every individual country will have stronger and direct affects upon the markets of neighboring and/or those countries with the closest economical ties. Second, the Real Estate market is driven more by local indicators than by national, and of course of international indicators. As stated above, pricing is established by many many factors. The majority of the factors are varying/constantly moving and each factor has a different weight of influence upon a final market price. Some factors that weight heavily are generally found in the regional/local economical indicators such as of Population growth, Costs of Doing Business, cost of capital (loans), Quality of Life, Employment and Income, Local Taxes, Property Taxes, ISR taxes vs. (competition). In Summary, Real Estate in California is different than real estate in Indiana, Real Estate in Canada is different than that from Mexico. Each regional market has its own strategies and influences, therefore its own proper real estate opportunities.

JEN LYTLE - TIERRA YUCATAN Even in the Yucatan near Merida, they have a point of view on the U.S. recession. Take Jen Lytle, owner/broker of Tierra Yucatan Properties in Merida. She says I have not yet seen any slow-down in business which could be attributed to the slow-down in the US real estate market, although one might predict several possible long term effects. It is possible that our investor clients will find our property in Yucatan an even more attractive option, as the market here continues strong with good appreciation. I would also expect that for those retiring on a fixed income, it might become more difficult to purchase a retirement property in Mexico if this purchase depends on obtaining equity from the sale of an existing property. Over-all, I am optimistic that our market will be only minimally affected by any slow-down in the US.

SHAWN BANDICK - ONE STOP REAL ESTATE Finally, Shawn Bandick, owner/broker of One Stop Real Estate says In every shifting real estate market there are pocket markets. These are areas which with stand the shift with little or no effect. In British Columbia Canada the Okanagan Valley is one of those areas. I?m sure you can see areas like that in your state or province. So how will this shifting market effect us in the Riviera Maya? If there was ever a Pocket market this is it. The Mexican government recognizes that, and they are putting millions of dollars into the development of Q Roo. Most of our buyers are baby boomers who have paid off their homes, and have the cottage, and are now looking for the sunny hide away. Many of these same buyers have substantial inheritance money that they are investing as well. Also these clients are not just from north America, they are from all over the world and this gives us an even more stable market. Mexico is a new area of investment and the buyers tend to be higher-income they are not the first time home buyers nor are they the first time investors. History shows us that the baby boomers will not be denied! This is no exception. Baby boomers have discovered the Riviera Maya and they are bringing their money here to invest and enjoy. View MLS Listings for One Stop Real Estate

We invite you to come into our discussion by posting your comments into our Forum. Simply go to Riviera Maya Real Esate News at www.rivieramayarealestatenews.com and click on FORUM. Oh, don't forget to View MLS 4 Riviera Maya and Search Listings.

J.P. Money is the host of Let's Talk Real Estate on Riviera Maya Real Estate News, a real estate pod cast show recorded in the Riviera Maya of Mexico. Check out the Podcast and all news and real estate info in the Riviera Maya at http://www.rivieramayarealestatenews.com

Friday, May 29, 2009

Being a Better Homeroom Tutor

Being a form tutor (homeroom teacher) is on of the most challenging and rewarding responsibilities a teacher will undertake in their career.

Almost all teachers, at some stage, will be a form tutor. The time a teacher spends with their forms or tutor groups are a vital part of secondary education. Many teachers welcome the opportunity to get to know a group of students well and play an integral part in their education, while others can view form tutor duties as an intrusion on their main role as a subject teacher.

It is important to realise that being a form tutor is not a just an ?add-on? responsibility; it plays an integral part in school life and the whole school experience for a student. Just remember back to how you felt when you were part of a form. Personal memories and experiences can help shape the kind of form tutor a teacher will become.

The main aim of being a form tutor is to deliver the social side of education to compliment the academic learning that is occurs in the classroom. As a form tutor, a teacher can counteract the de-motivation and sense of isolation that many students can experience at school.

The role of a form tutor is so vast that it is virtually impossible to define. The only certainty is that you will be required to perform many roles including communicator, problem-solver, morale-booster, administrator, nurturer, manager of behaviour and at times, a confidant.

Be organised

Being organised is probably the most important thing you can be when a form tutor. As well as the legal requirement to keep attendance records, as a form tutor, you will be expected to deliver important notices about school life. Keep a separate folder for your form group to manage information, records and correspondence from parents/carers. It is also important to have routines. For example, check diaries regularly so that you can keep track of whether students are recording their homework properly and any messages from parents/carers.

Lead by example

Arrive on time and keep on top of your duties to set a firm example to your form. Students are led by example and will help them to value traits such as punctuality and organisation that are vital for successful education and will establish good habits for later life.

Set the rules from the start

This seems obvious but it is vitally important to lay the ground rules from the very start. This means having a seating plan (you can always change it as the year progresses and you discover the different personalities of your students) and employing all the basic behaviour strategies that you would in the classroom, like waiting for silence before speaking and having a merit and sanction system. It is tempting, especially for new teachers, to try and be a friend to your tutor group and foe them to think you are ?safe? but a casual approach to form tutoring (not having a seating plan, having no structure to form time) will lead to more stress and start the day off on a bad footing. It will also store up problems for the future, as all experienced teachers will know. So, it is important to make form time matter and that students know it is an important time of the day, not just a time for the teacher to catch up on marking and subject-related paperwork.

Encourage ownership and responsibility

Encourage the students to feel a sense of care and ownership of their form room through use of displays, in particular the form board. Encourage student responsibility through getting students to keep the form room tidy, take on various roles like handing out letters and books, get register from the office, run errands and be responsible for the daily class behaviour and class work record.

Keep records

Monitoring attendance is a legal requirement for form tutors and it can also prove valuable in gauging if there are any problems that could be affecting a student?s performance. Keeping a track of your form?s behaviour and class work in individual subjects is also a powerful tool in performing pastoral duties effectively and ensuring that any behavioural problems are addressed. Rewarding your form for good behaviour, both collectively and individually, is also important to motivate students.

Meet the Parents

During the course of the academic year, there will be occasions, like parent-teacher evenings or school functions, that you will meet your students? parents/carers. Establishing a relationship with your form?s parents/carers is invaluable in helping to meet your responsibilities and duties as a form tutor.

Getting to know you

Developing relationships with your students is probably the most vital aspect of being a form tutor. As well as the daily administrative duties that must be done each day, set aside time to talk to students and get to know what is happening in their lives. You could also establish a regular session like ?thought for the day? or discussion of current events locally or internationally. Of course, with issues such as terrorism and war, sensitivity and clear leadership in any discussion is needed to avoid any potentially difficult situations. As a form tutor you may be required to deliver sex education, depending on your school?s policy. This also presents an opportunity to discuss with students wider issues of self-esteem, self-care and responsible citizenship and can help establish an environment of trust within a form group.

Top tips

Be organised so that you can keep paperwork under control and meet deadlines.

Be punctual to set good example.

Try never to be too busy or too rushed for your tutees to approach you with a problem.

Be diplomatic and try not to take sides, even when it is tempting, so that your form knows that you will treat them fairly.

Give your tutor time status and not just a period that you can use to catch up on your own work, or let students do what they want.

Be interested in your students and find out about their lives by talking to them, rather than interrogating them for information.

Emphasise ?we? rather than ?you? when addressing the form and school-based activities to build a sense of teamwork and cooperation.

Let your form know that you enjoy being with them. If you have a difficult group, try to find ways to engage with them.

Don?t expect all students to like you but try to be likeable without acting like their ?best friend?.

Establish a clear discipline and rewards system so that the form knows that there will be consequences for behaviour, both positive and negative.

Emily Webb is a trained teacher (England and Wales) and taught English in London High Schools for 3 years. She is the editor of http://www.licoricemint.com, http://www.bagdiaper.com and http://www.greathomebiz4mums.com


Thursday, May 28, 2009

Q&A With The Physique Transformation Expert

Q: l have heard you talk about keeping your macronutrient ratio pretty much the same as you try to get leaner, and simply reducing the number of calories you are taking in each day based on the results you are seeing. Does that mean as I continue to lose weight (weekly or daily), I should continue to drop my calories, but keep the same ratios? Right now I'm multiplying my bodyweight x 10 to get my daily calorie total. I'm currently weighing in at 190 so 1900 cals per day. For example, regarding your statement, if I weighed in at 185 by Sunday I would lower my total cals to 1850. Is that right? As you can see I'm currently cutting to get rid of my fat, but after this phase is complete I plan on doing a clean bulk. Thanks for your time Russ....

Regards,



Mathew



A: Yes, that is exactly what I mean about keeping your ratio of protein, carbs, and fat the same as you decrease your calories. I personally like using an approximate 40% protein, 40% carbohydrates, and 20% fats. I may bump up my protein percentage a little and decrease my carbs when attempting to get very lean, but I am more concerned with the total number of calories I am consuming than the macronutrient ratio. Burning body fat comes down do taking in fewer calories than you consume, no matter what type of calories those are. I personally feel that this ratio provides the best environment for maintaining and even building lean muscle mass while dieting.

As far as the number of calories goes, that is a little tough to give advice on since I don't know how often you are training, doing cardio, and most importantly what your goals are. The number of calories you are taking in per day would really come down to 1) how much fat you want to lose 2) how quickly you want to lose it. If you want to lose a lot of fat in a little amount of time then your calories will need to be lower (or cardio increased) than if you are allowing yourself more time to lose the same amount of fat. For your weight 1900 calories/day seems pretty low. The best advice I can give is to give 1900 calories a try for a week and see how your body reacts. If you are losing body fat at an acceptable rate and still have energy to train intensely then you are on track. Otherwise, adjust upwards or downwards accordingly by 100-200 calories a day. Don't get too caught up in calculating your bodyweight by 10 but more on measuring the results you are achieving at a certain calorie level and then making the necessary adjustments.



Q: Hey Russ,



Every time I do legs, I always pop blood vessels in my shoulders.....is this normal?



A: I think it is pretty normal to get red marks or even scratches on your rear deltoids when performing barbell squats. I doubt that you are actually 'popping' blood vessels, although it may be possible with heavy weight exerting pressure on the traps. I would not be too concerned about it. If you are worried about the appearance factor then it will help to wear a sweatshirt or use a pad on the bar during your squats.



Q: Mr. Yeager,



I recently signed up for your newsletter. I am a 53 year old male that has decided to get into shape I have no interest in body building because I believe the rigorous routine will probably kill me (LOL). I would like a decent hard body and abs. I have used a treadmill to shed most of my stomach fat. I can see signs of my upper stomach muscles peeking through. To increase my muscle tone I am considering using a product called Mega Milk (Nature's Anabolic). Are you familiar with the product? It is made by Dymatize. Since all the limelight is on steroids these days I'm wondering whether this product is steroid free. Will something like this actually build muscle? I would also appreciate your suggestion to aid me in my quest.



Thanks,

John



A: Hi John,



Thanks for your e-mail and for signing up for my newsletter and congratulations on your decision to get in shape!



As far as supplements go, remember first that nothing can replace hard work in the gym and proper nutrition. Supplements can definitely help you build muscle and lose body fat if you use the right ones in the right ways. I have never used the Dymatize products but am pretty sure that the product you refer to is a high protein meal replacement, which does not contain steroids. High Quality Meal replacements are one of the best investments you can make in terms of supplements. My personal favorites in terms of quality and taste are Ny-tro Pro 40 made by AST Sports Science, Muscle Milk made by Cytosport, and Intake Performance made by InStone.



Unfortunately, while there are some supplements that can be very beneficial there also some that are pretty much worthless and made only to make the supplement companies rich! This is why one of my missions is to help people weed through all of the confusing and conflicting information on supplements and make an educated decision so that they get the most out of the supplements they purchase with their hard-earned money.



I am always happy to answer any questions others may have about specific supplements before they make a purchase so they don?t waste money on an ineffective product or even something that may be a quality product but unnecessary for that individual?s goals.



I encourage you to read through the free information on my website on training, nutrition, and supplementation as well.



Take care and good luck with your fitness endeavors!



Q: Dear Mr. Russ Yeager,



For one week during my summer vacation, I will be going camping with my family, and was wondering how will I be able to work out in the Rocky Mountains? Do I just do push-ups and crunches for my week workout there or what?



Oh, by the way, good luck on your upcoming bodybuilding competition. You've been training really hard and are very determined to win, as I can see!



Good luck and keep up the good effort!



Take care,



Mark



A: Mi Mark,



Thanks for the kind words. I would do this...If you have not taken a week off in a while then train really hard and intensely up until it is time to go on vacation. I?m talking as hard as you can striving to make each workout significantly better than before. Your body will then be primed for some great growth but at the point of almost overtraining. Then take that whole week off from weight training. One week out of the gym will not hurt your progress and is actually good for your physical and mental recovery. Also, since you trained so hard and then gave your body a break you should initiate some new muscle growth. Remember, your muscles grow outside the gym, not inside!



Enjoy your vacation!



Q: Hi Russ Yeager. My name is Patsy, I am preparing for a bodybuilding competition in 5 Nov 2005. You look great! My goal for this competition is to be as sculptured as you are. Giving my age, 50 plus, do think I can get that cut? Since I read your article on intense cardio, I have been focusing on my cardio. This week I have done four days of med high intense work out. My goal is to reach high intensity training. Do you have any advice on how I should go about this high intensity cardio training to prepare me for the best I can be come Nov 5th?



Thank you,



Patsy. Looking forward to hearing from you.





A: Can you get as cut as me? I can't answer that for sure, but I do know that if you are completely dedicated from now until Nov. you can achieve outstanding results! Heck, you may even be more cut than me.



You should be proud of yourself for your dedication and passion for bodybuilding and fitness!



A great way to make sure you are getting the most out of your intense cardio work is to record the distance and/or calories burned on the piece of cardio equipment each time you perform a session. The next time you work on the same piece of cardio equipment you have to beat the numbers from last time. This forces you to raise your standards and metabolism each time and ensures you are working hard enough to progress! Good luck with your contest preparation!



? Russ Yeager's Fitness Solutions 2006 All rights reserved. Use of this article is permitted for your newsletter, website, or other publication as long as the content is not altered including all active links.





To learn how to get a free copy of Russ's brand new E-book 27 Must-Have Tips For a Complete Physique Transformation visit

http://www.completephysiquetransformation.com







Russ Yeager has been called a Physique Transformation Expert. His passion is helping others make dramatic improvements to their physiques, health, and level of life happiness. Russ is a Certified Fitness Trainer (CFT), writer, amateur bodybuilder, nutrition and fitness coach, and owner of Russ Yeager's Fitness Solutions. For more information visit http://www.russyeager.com


To learn how to get a free copy of Russ's brand new E-book 27 Must-Have Tips For a Complete Physique Transformation visit
http://www.completephysiquetransformation.com

Wednesday, May 27, 2009

Backpacks And Rucksacks: Some Points You Should Know Before Buying

Backpacks - known in Europe more commonly as rucksacks - are a key piece of walking equipment - but with so many on the market, which do you go for? This article aims to give some helpful hints on choosing the right one for you.

Backpacks (I'll call them this for the sake of convenience) come in many different sizes, materials, weights and colours. You are simply spoilt for choice. The right backpack for you will largely be determined by what kind of outdoor activity you undertake and, like most pieces of personal equipment, getting it right can make a lot of difference to the fun you get out of your day. Let's look at some different types.

Small backpacks - sometimes known as daysacks - are typically made of lightweight nylon and have a capacity of 20-35 litres. They are usually fitted with a pair of padded shoulderstraps and may have a couple of outside pockets fitted with zip closures. The main bag should have a drawstring with a stay-tight sliding toggle fitted and a top flap fastened by a couple of click-buckles. This type of backpack isn't normally reinforced in any way.

These are fine for taking a day's walk in fine weather in gentle countryside. The nylon is usually showerproofed but won't keep out a real downpour - it's not intended to. This size backpack will hold a packed lunch, a bottle of water and your jacket, with the side pockets handy for gloves, keys and the like. It will be very light and should be easy to carry - look for well-padded shoulder straps!

Medium backpacks normally have a capacity of between about 45 to 90 litres. The material is usually again nylon, although of a heavier grade than the daysack. They will again have the main bag, two or more exterior pockets that should have storm flaps in addition to the zip fasteners, and are far more weatherproof than the daysack. The main bag will again be closed by the drawstring and stay-tight toggle but the top flap will be thicker and far more water resistant. It may also include a pocket as well and there's usually ice-axe straps fitted to the outside back of the backpack, together with various 'd-loops' for attaching a tent or sleeping bag. This size of backpack is suited to more serious trekking with maybe a night or two out.

Large backpacks are generally in the range of 100 - 150 litres (and that's big!) but in construction are similar to medium backpacks, though they obviously have more room and more pockets. This size of backpack is normally only used on serious hikes that may last many days and will hold just about everything you will need for this kind of extended expedition.

Medium and large backpacks can be had in a variety of material weights, from fairly light nylon up to really thick cordura-type material that is very tough indeed. They can also be fitted with waterproof liners though many now come with 'Gore-Tex' type lining as standard. The weight and durability of material is determined by conditions you think you might experience - there's no point getting a backpack that will stand an Arctic winter if you normally go hiking in Nevada in the summer!

The other thing that is normally fitted to larger backpacks is a waistbelt and, on some, a chest stabiliser strap. These are not for show - they make a huge difference to your comfort and stamina when walking. In older-type backpacks the belt was an added-on item - in modern backpacks it's built-in. Wear it as tight as is comfortable. It should sit on the hips and these will then take a lot of the weight from your shoulders - the shoulder straps become more like stabilisers, aided by the cheststrap, and keep the backpack in place. Large backpacks often have a rigid internal frame to stop sagging - this is also a real boon on a long hike.

Another feature to look for, especially if you're planning to walk in summer or hotter areas, is an 'aeroback' design. This is a rigid plate that forms the part of the backpack nearest your back. It's curved slightly away from your back and holds the backpack in such a position that air can circulate, helping to avoid the 'soaked shirt syndrome'. I have one myself. They're great.

One other thing to remember. When you go to buy your backpack, take all the clothing and equipment you think you will need for your kind of hiking. If it doesn't fit the backpack you first look at, try a bigger one! Nothing is more frustrating than trying to cram everything into a too-small sack. Things break, bottles burst - you get the picture.

In summary, always get the best backpack you can afford and perhaps one size bigger than you think you might ever need. It's surprising how things mount up! Visit a reputable outdoors retailer and don't be shy about trying several out until you find one that really feels 'right' for you. You're going to be together for a while - take your time and you'll find your backpack really is the best friend you can have on a hike.

Steve Dempster is actively involved in running several websites and spends part of his working day creating short, informative articles such as the one above. To learn more about backpacking, click here or get more info on walking in the UK at the Countrywalkers website!


Tuesday, May 26, 2009

Discover Backgammon Online Play


Backgammon is a game that anyone can play and have a good time while doing it. There are many people who have found that backgammon online play is even more fun then playing at home. Backgammon online play can help anyone who needs to learn the game and also challenge the pro backgammon player.


Playing online has many advantages. The best one is that there is no set up of the game and then you do not have to clean up when you are done. You never have to worry about missing pieces or fighting over who goes first.


When you decide to play backgammon online, you will realize that you have made the best choice for the game. You can play anytime that you want and for as long as you want. You can guarantee that you will not be bored while playing online. There is so much action online that you will never want to stop playing. What great fun this is.


All the instructions that you need to know about how to play the game are listed on these sites as well. There are step-by-step instructions and tips to help you get started. There will be lists to tell you how to make points and when you can move and not move.


If you need some advice or tips on the game of backgammon, the best place to turn to is the Internet. Online backgammon sites have all the information regarding the game itself. If you are not sure of a rule or play, you can get the answer you are looking for with the click of a mouse.


Online backgammon is there 24/7. You can play anytime of day, no matter what day of the week it is. If you cannot find anyone to compete against, do not worry. There is always someone to go up against when you play backgammon online. Just imagine playing at 2 or 3 in the morning and winning.


The technology of the world today has made Internet backgammon sites more entertaining and exciting then ever. You will not get the same excitement with a board game at home.


As you get better at the game over time, you can then enter backgammon tournaments online. Some of these tournaments offer money or awards for your skill. These are a lot of fun and you will be playing against other great backgammon players. If you have ever had your doubts about backgammon, try it online and see what you are missing.


? backgammonholygrail.com
About the Author

Monday, May 25, 2009

Real Estate Marketing Strategies: 7 Tips to Thrive in Today's Market

In today's changing market, many real estate agents are wondering what to do. Some have gone through a cycle of shock, disappointment, fear, and now confusion. What seemed to work in yesterday's marketplace isn't working today, so what to do?

The truth is that there are many opportunities in today's market for success. This article will give you 7 tips to thrive in today' market.

Tip 1: Listen to the media with discernment

As you know, the media likes to paint a negative spin on everything to get more sales. There's a saying, if it bleeds, it reads. Lately you've been hearing a lot of scare tactics from the media. When you're buying into the ideas that are presented, notice how you feel. Do you feel motivated and raring to go?

No, you probably feel demoralized, unmotivated, and downright scared. Guess what? As you feel these feelings, you are radiating energy to prospective clients that stop them from wanting to move forward. Whatever you give out comes back to you multiplied.

That might explain why your phone isn't ringing.

Tip 2: Look at the facts

The economic forecast is actually quite different than what the media is spinning. Here's what you need to know to get you motivated, and in action:

?interest rates are still at an all-time low

?we've gone through the worst of the dip

?indications are that prices will start to rise

In other words, the worst part is over, and you can start to sell houses again.

Tip 3: Put up boundaries on negativity in your environment

You probably know what environment I'm talking about. I'm talking about being around other real estate agents.

Many of the clients that I'm currently coaching are busy creating a positive mindset. How do they do it?

They tell me, I don't hang out with real estate agents who are negative. I would rather write in my own car than hear the negative buzz.

Well done, I say. Don't let anyone rain on your parade.

Tip 4: Monitor your own self talk

No one knows how to create negative chatter in your mind, more than you do. With the flip of a switch, you can turn off negative self talk and give yourself positive and encouraging self talk.

Here's how you can spot negative self talk. It will sound something like:

?I don't know if I can succeed in today's market

?I don't know if there's enough business to go around

?maybe it's time for me to get a real job

After working with real estate agents for the past 10 years to help them to double and triple the incomes, I have found an easy technique to intervene and create a positive mindset.

The next time you notice any negative self talk, just say STOP! Then take a breath and put in some positive new thoughts. Here are some examples of positive thoughts I have helped my clients create:

?I have what it takes to succeed in any market

?there's more than enough to go around

?the bottom line is - no matter what, people will always need to buy and sell houses

?I do work I love and I'm richly rewarded

What does this do? This creates a positive, affirming mindset so that instead of asking the question, can I do this? you ask, how can I do this?

Tip 5: Find and educate buyers

With an abundance of homes that need to be sold, and interest rates still low, what a wonderful time for buyers to get a great deal.

Your job is to find them, and educate them on this rare opportunity. Use all your prospecting methods, but direct yourself to reaching the buyers. When you do reach them (or they reach you), only give energy to the ones who are highly motivated and have to move. Be sure to have a buyer's agreement with you, so you'll be compensated for your hard work.

Tip 6: Be clear on what makes you unique

As you begin to market yourself to buyers, be sure to present reasons to them as to why they should work with you instead of another real estate agent.

When I present this idea to my clients, they often go blank. Does this ever happen to you? If so, then with the help of a mentor or a coach, have someone help you discover your strengths.

For example, one of my clients did not realize how much she had going for her. She was a great negotiator, very attentive to details and at the same time was very personable. She would bend over backwards to be sure that her clients felt comfortable. When she realized her uniqueness, her business grew, as she realized how much she had to give.

Tip 7: Use the Law of Attraction to attract your ideal clients

The best way for your business to grow and your income to triple is to be attracting your ideal clients. Your ideal clients will be pleasurable to work with, they will appreciate your service and will demonstrate that to you with a full commission, and they will refer people to you.

The Law of Attraction would say: visualize clients you want to work with, see yourself working with them now, and feel what it feels like to have an abundance of ideal clients. If it gives you joy to serve them, then radiate that joy and watch how it magnetizes those ideal clients to you. This is the difference between having work you tolerate and work that you love.

Follow these tips, and you'll be thriving in any market.

With her 30 years of psychological expertise, Dr. Maya Bailey specializes in helping Real Estate Professionals who want more clients, more free time, and a better lifestyle to create confidence, a positive mindset, and a step-by-step blueprint for success.

For specific ways to ?master your psychology? about getting clients and growing your business, and your personalized step-by-step success blueprint, visit http://www.90DaysToMoreClients.com to receive your FREE special report and ?audio mentoring session?: 7 Simple Strategies To More Clients In 90 Days. To contact Dr. Maya Bailey, call 707-799-5412 or visit http://www.90DaysToMoreClients.com

Saturday, May 23, 2009

Loan Officer Marketing: Attract More Real Estate Agents With Questions

What if you could come up with a technique that would allow you to consistently talk with high-producing agents, without the fear of rejection or high-pressure sales tactics?

One way to this would be to contact several real estate agents, it does not matter if you know them or not. The only purpose of the call is to find out as much about the agent as you can. Introduce yourself to the them and do a simple, short, telephone survey.

Some of the questions you should ask them are:

  • How long have they been working as a real estate agent?

  • Do they typically represent buyers or sellers?

  • What are their typical activities on a daily basis?

  • What are their short term and long term goals?

  • Do they feel like they are on the track to accomplishing the goals?

  • What are some of the obstacles that are keeping them from meeting their goals?

  • What causes them the most stress in their business?

  • What do they need to fix it?

Notice that none of the questions are anything other than real estate related. Do not ask any questions related to mortgages or mortgage clients. You will find that instead of having to pry the information from the agents, you will not be able to get them to stop talking.

Most people have one favorite topic of conversation, themselves. There is nothing they like better than to talk about themselves and the problems their facing. Fortunately, most people never run out of problems to talk about.

Ultimately, you will receive several positive comments from the agents:

The agents will say how much they enjoyed having someone listen to them.

When the agent realizes it is not a sales call, which was stated from the beginning of the call, they will immediately open up.

Almost every survey call will end with the real estate agent asking the loan officer for more information about their mortgage services.

The survey technique is a great strategy for several reasons. It allows you to determine which real estate agents are producing at the level you require. You will gain access to the agent in a non-confrontational, non-selling situation. And it gives you an opportunity to lay the foundation for future sales presentations. Save your sales pitch for your second call. On the second call you can show them how you can solve their problems.

Does the idea of cold-calling agents, even for a survey, intimidate you? Consider approaching the agents with the survey through email. Surprisingly, you will get some response from agents.

Develop the survey into a paper-based form and give to buyer agents at closing. You will be amazed at how many agents take time to complete the survey.

When agents take the time to complete the survey, whether over the phone, through email or in person, you know which agents are receptive to you and are interested in establishing a relationship. Your simple survey will open doors, now and for a future relationship.

Jeff Nelson helps loan officers increase loan originations by attracting quality relationships with real estate agents from the development of customized relationship-building strategies.

Click here to get a free copy of the Marketing Planning Guide, a 20-page workbook designed to help you outline a strategy to become an Agent Magnet.

Visit us at http://www.loan-officer-marketing.com

Friday, May 22, 2009

Bras Men Like

What bras do men want to see you in?

I asked my guy.

He said a bra that is easy to take off. Bras that look like lingerie. Black bras. I wasn't satisfied with the answer.

I gave him the unenviable job of going through lingerie catalogs to tell me which bras he finds sexiest.

The verdict.

Strapless bras. A huge surprise to me as I thought these were purely functional. Worn to avoid tiresome straps under tube tops, off shoulder tops or strapless outfits.

His rationale. He just finds strapless bras very sexy. A huge turn on. The simplicity catches his eye. No messy strings. Bare shoulders which he simply loves. Most importantly, they look really easy to take off.

Next in line is the lace bra. That is because lace bras are very beautiful. That I agree with him. Lace bras are very pretty.

In 3rd place is the push up bra.

This one is obvious. Push up bras make your breasts look much bigger. These padded bras add inches to your bustline. The Gel filled bras really boost a girl's assets. A way to get that cleavage without resorting to surgery.

He was saying for girls who really want to turn on the men, go for these 3 types of bras. These are the ones that leave men wanting more.

I do know the kind of bras he simply hates. The fussy types with multiple hooks, the cotton granny type of bra with thick ugly straps that are popular only because of comfort and anything that makes breasts look smaller. In other words, don't waste your time with minimizer bras.

So if you want to dress for your men, what you wear underneath counts too.

ABOUT THE AUTHOR
The writer is the webmaster of www.buy-bras.net. Check out the Bra size tool to find out your real bra size.


Thursday, May 21, 2009

The Perfect Prom Dress

Want a prom dress that?s going to turn everyone?s head when you walk into the room? Want a prom dress that is different from everyone else?s prom dress? Well you can have that perfect prom dress. What colors are in style for prom dresses? For the prom in 2007 you will see some new colors you have not seen in fashion for a while like navy and burgundy gold, raspberry, purple orange, black and white, and all the fun prom colors like turquoise, lime and fuchsia. Girls always love purple and this year for the prom you will see the best purple gowns. Royal blue is making a comeback big time for 2007--a sure winner. Royal blue is a real hot color this year. Gold and silver will be important and the new metallic lam? fabrics will show you off to the limit.

What kind of style should I focus on if I want to look sexy in my prom dress? Sexy prom dresses for 2007 are everywhere. Want to know what styles are hot? Glad you asked. I?ll tell you. Ruffles (the french look), drapes, tiers, high slits, lace; hi-low hemlines and mermaid silhouettes are the sexy favorites for this year. They are making their way back into the heart of many teens for the prom. You'll see lots of sexy ball gowns. Everyone wants to like a princess.

What type of prom dress should I look for if I?m not that tall? Many girls that aren?t so tall (like me) are going toward fitted silhouettes and flirty, little short dresses. These prom dresses come in an array of fun colors. Remember, you got to use what you got! Flaunt all your assets! Helpful tips to finding the perfect prom dress:

Now keep in mind, any dress can look great on the hanger but remember you have to purchase a style and look that goes with your height, body shape, hair and skin coloring. Don't buy into the belief that there are a limited number of colors that work for you; instead, be your own best fashion designer and hold up dresses to your face to see which ones bring out your skin tones, eyes and hair the best.

Warm colors like fire engine red and coral look best on brunettes with darker coloring; cool pastels work for blondes. But there are a myriad of colors -- metallic gold and silver included -- that work for all colorings. If you're not sure what type of prom dress style to go with for the prom drag a friend to a store and get a second opinion while trying on lots of colors to see which ones compliment your look best. Learn to embrace your body, too. If you aren't comfortable in curve-hugging dresses because of too much jiggle, then try a body slimmer underneath for more control. Everyone has at least one great asset, even if it's something as simple as thick hair, white teeth or nice legs.

You don't have to do anything too extravagant to show off your best feature, just make sure that your look shows it off and enhances it. If your best feature is great skin, the last thing you'd want to do is cover up every inch of it with clothing. Dressing for your best feature is less about dressing for size or age and more about making the best of what you have to work with. One important thing to remember is when you?re looking to buy a prom dress focus on a bling bling dress or bling bling accessories not both. If you have both it would be to overwhelming to the naked eye and one will take away from the other. The idea here is to make either the dress or the accessories the focus, not both.

For example, a bronze strapless gown with no adornment could carry a chunky diamond bracelet and necklace or a pair of chandelier earrings. Solid color dresses and neutrals are a great backdrop for colorful jewels. On the other hand, the more ruffles, tiers and beading a dress has, the simpler the accessories should be. It doesn't mean you have to go bare but you need to use self-control and choose smaller pieces.

The difficulty to dressing for special occasions such as homecoming or the prom is that young women look wrong if they dress their age: in froufrou dress, young women/girls look ready for prom. Look at magazines web sites and see what?s in style. You don?t want to go looking like grandma just run over by a reindeer!

Different styles to consider:

Movie Star Style Want to look like a movie star? Show your sense of style with a designer-inspired gown: many labels create their own jazzed-up versions of celebrity-chic dresses. Dresses by Jovani, Paris, Clarisse, Mori Lee, and Niteline, are famous for producing red-carpet looks at an affordable price. Important red carpet looks this year include one-shoulder Grecian gown and empire waist dresses.

Elegance If the movie star prom dress isn?t for you then tone down the look and choose a cool cocktail dress look. Whether you favor aristocratic circle skirts or sleek, trimmer hems, this dress will come in handy for other occasions

Princess Look Elegant trains add serious punch. Go for a small drape (called a duster) or full-on train (called chapel) ? either way, your exit leaves a definite lasting impression.

Covering Dresses A movie star favorite, covering dresses are as comfortable as they are stunning. Keep in mind that with a simple dress like this, accessories are a must! From pearls to diamonds to a mix of pendants, anything goes. Bling bling all the way!

The Wow Look Let the little Marilyn Monroe come out with a mega feminine, hip-hugging gown. Select dresses made with delicate fabrics, like satin or silk, that drapes well and creates curves. To keep with the retro tone, finish with a clutch purse and peep-toe pumps.

Girly Girl Skirts Stemmed from summer?s plain skirt rage, tiered skirts are having a serious comeback. This trend can go two very unique routes: the sophisticated ballroom skirt or the breezy ?plain dress?. Black is Back If you plan on sporting your prom dress again, the little black dress is a classic. Choose a sleek string dress, flirty shift, or take your look from Audrey Hepburn with a chic prom dress.

It?s high but Boy Is It Low. Last year?s asymmetrical hem has been replaced by the ?high-low? dress. The hem, which is short in the front and longer in the back, is so unique and adorable; you'll have all eyes on you! It's a great alternative because it's short enough to dance in but long enough to look dressy.

Strapless Baby Strapless prom dresses have become a prom staple for great reason. They are equal parts sassy and classy. They flatter any figure. And they don?t require a necklace. Keep your eyes out for dresses with beautiful beading and elegant embroidery around the bust?a big style this year.

Homecoming Queen The ultimate Cinderella-at-the-ball dress and accessories. A bouffant skirt and otherwise simple top combination is for the homecoming queens at style. These gowns require minimal accessories because they?re so show stopping. But make sure you get home before midnight. Yeah right!

The best advice I tell young girls looking for the perfect prom dress is to have fun with fashion. Try something new: venture into a store that you've never shopped in, try on dresses that you always wanted to wear, but was afraid to try on. The idea is to push the limits of your prom wardrobe and experience innovative looks.

Pictures of prom dresses can be seen at Prom dresses - Promgirl and at Prom dresses - 4prom


Wednesday, May 20, 2009

Backpacking In The Sleeping Bear Dunes

I was backpacking in the Sleeping Bear Dunes. It was March, so when I made it through the woods and over the dunes, I'd have miles of beach to myself. It was an over-nighter, a chance to test new ultralight backpacking equipment. I hiked the wooded hills quickly, enjoying the cold air.

Halfway through the forest, I stopped to cook noodles. The cheap 3-ounce pot was from a dollar store, and it worked fine. I was happy, because from the catalog descriptions, the expensive titanium pots are all heavier, probably because they're too thick and with too many gadgets.

I had to use a small twig-fire when my homemade alcohol stove didn't provide enough heat. I later learned that isopropyl alcohol doesn't burn as hot as the alcohol used for a gas additive, but the twigs worked in any case.

Backpacking On The Beach

After eating, I hiked to Lake Michigan, and sat up on a large sand dune. I watched the waves push ice up onto the empty beach. Coyotes began to howl in the distance, and the clouds rolled in. I was on the beach looking for petoskey stones when the snow began. Backpacking in March has its risks.

I was in running shoes, and it would be below freezing that night. In northern Michigan, March is definitely part of winter. My feet stayed warm while I hiked, but I hadn't planned on them getting wet. At least I had a pair of warm, dry socks for sleeping.

Ultralight Backpacking Equipment

It was the first time I used my GoLite Breeze backpack, which weighed only 13 ounces. I was hiking with about nine pounds on my back, and that only because I threw in some canned food. I was going light, but I knew the forests here and felt comfortable with my abilities.

My down sleeping bag was a 17-ounce Western Mountaineering HighLite. It was the first time I would use it below freezing (It hit 25 degrees fahrenheit that night). Fortunately, it wasn't too windy.

At the edge of the forest, behind the dunes, I set up my small tarp. I piled pine needles and dead bracken ferns under it, finishing just as it became dark. This made a warm mattress, and I slept well, listening to the coyotes, and to the waves pushing ice around in the lake.

In the morning I was happy to see only a dusting of snow. My one-pound sleeping bag had been warmer than my three-pounder - and I thought that was light. I poured alcohol in the cut-off bottom of a pepsi can (my 1/2-ounce backpacking stove) and made tea. After some crackers I was soon hiking in my mostly-dry shoes, along the Lake Michigan shoreline.

Backpacking Lessons Learned

I ended my trip that afternoon, with a hike to the village of Empire, seven miles away. I was mostly satisfied. Only two problems: My tarp was too small, and the alcohol I brought was the wrong type.

After backpacking in Michigan for years, I know it well. I know where to find dead grass and bracken ferns, for example, to make a warm mattress in a few minutes. Knowledge, obviously, can be as valuable as expensive backpacking gear.


About the Author: Steve Gillman is a long-time backpacker, and advocate of ultralight backpacking. His advice and stories can be found at http://www.TheBackpackingSite.com


Tuesday, May 19, 2009

The Positive Weight Loss Approach

The most frequently asked question I receive as an Internet home business consultant usually goes something like this; "I would really like to start my own home business on the Internet, but I don't know what." The short answer is - Start with what you know and enjoy.

There are a number of good reasons for this

By drawing on existing knowledge, you can concentrate on building a business rather than learning about a new trade, product, or service.

Starting and running a home business means long hours and sacrifice. It is easier to do when you are doing something you enjoy.

Selling what you know and enjoy is less difficult for non-salespeople.Selling what you know and enjoy is less difficult for non-salespeople.

The Internet offers unique opportunities for the home business netrepreneur. It creates the ability to reach a much larger potential market for your product, service, or information at a much lower price than through conventional advertising mediums.

The Internet and World Wide Web are still in their infancy. Right now, you can get everything you need to put your business online - free. It is like someone offering you a store (web hosting), full time staff (web pages, auto responders) and advertising (lots of advertising) for free. All you have to do is come up with an idea for a product or service to put in the store. 

One of my favorite examples is my mother's home business. She builds very creative and unique birdhouses. She uses scrap lumber from a local sawmill (free) and driftwood from the local beach (free), to keep her material costs low. Another local artist provides the miniature sculptures for a percentage of the sales. She started by building and selling these for the local tourist trade in Homer Alaska, and was doing ok. But when we put them on the Internet (http://www.ptialaska.net/~cortez/) sales really began to soar. Not everyone that would be interested in the birdhouses can afford to visit Homer, and we certainly couldn't afford to advertise to the world in any other way. We were able to reach this larger market by using free web hosting, design, and promotion services. Once we developed a flow of traffic, we were able to create additional income streams by selling other peoples products as well. (I'll discuss this further later in this article)

This business model can work for just about any product that can be shipped. What unique item can you build using local materials? Do you have a craft or gift idea that is unique? How about a kit or plans for something you have built?

Information is another type of product. What do you know or know how to do that would be of interest or value to others? You can either sell that information as a report, or a tip booklet. Or you can give the information away at your store and sell other peoples related products for a commission. The advantage here is that once you put your information in the store it is done. You don't have to keep building it and shipping it. If your not comfortable with writing your own material you can use a ghostwriter (http://www.home-work.net).

Another home business opportunity that is unique to the Internet is based on common interests. What do you have a special interest in that others may share? Music, books, computers, cars, gardening, collectibles, etc…? The idea in this business model is to create a site with information and resources available online of interest to others. Then you select products to sell of interest to people that would be visiting your site. For instance, if you had an avid interest in a particular type of music. You could develop a site that was a resource for others with that same interest. The site could include links to artists sites, reviews of the latest releases, concert tour information, photos, sound clips, interview excerpts, a chat room, or discussion board. You become an "associate" of one of the CD distributors online and receive a commission on CD's that are sold. The distributor does the entire order fulfillment. The number and variety of companies that have an associate program online is growing daily. They cover all kinds of products and services from gifts to computers or web hosting to credit cards.

Start with what you know, apply some imagination, and open your low cost home business online. The market is growing everyday - world wide.

Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
Bob Cortez has 20 years of sales and marketing experience. Through Total Quality Marketing he is providing consulting services to home based entrepreneurs looking to expand their business online and take advantage of  the tremendous opportunities available.

Total Quality Marketing
PO Box 338
Homer Alaska 99603

The most frequently asked question I receive as an Internet home business consultant usually goes something like this; "I would really like to start my own home business on the Internet, but I don't know what." The short answer is - Start with what you know and enjoy.

There are a number of good reasons for this

By drawing on existing knowledge, you can concentrate on building a business rather than learning about a new trade, product, or service.

Starting and running a home business means long hours and sacrifice. It is easier to do when you are doing something you enjoy.

Selling what you know and enjoy is less difficult for non-salespeople.Selling what you know and enjoy is less difficult for non-salespeople.

The Internet offers unique opportunities for the home business netrepreneur. It creates the ability to reach a much larger potential market for your product, service, or information at a much lower price than through conventional advertising mediums.

The Internet and World Wide Web are still in their infancy. Right now, you can get everything you need to put your business online - free. It is like someone offering you a store (web hosting), full time staff (web pages, auto responders) and advertising (lots of advertising) for free. All you have to do is come up with an idea for a product or service to put in the store. 

One of my favorite examples is my mother's home business. She builds very creative and unique birdhouses. She uses scrap lumber from a local sawmill (free) and driftwood from the local beach (free), to keep her material costs low. Another local artist provides the miniature sculptures for a percentage of the sales. She started by building and selling these for the local tourist trade in Homer Alaska, and was doing ok. But when we put them on the Internet (http://www.ptialaska.net/~cortez/) sales really began to soar. Not everyone that would be interested in the birdhouses can afford to visit Homer, and we certainly couldn't afford to advertise to the world in any other way. We were able to reach this larger market by using free web hosting, design, and promotion services. Once we developed a flow of traffic, we were able to create additional income streams by selling other peoples products as well. (I'll discuss this further later in this article)

This business model can work for just about any product that can be shipped. What unique item can you build using local materials? Do you have a craft or gift idea that is unique? How about a kit or plans for something you have built?

Information is another type of product. What do you know or know how to do that would be of interest or value to others? You can either sell that information as a report, or a tip booklet. Or you can give the information away at your store and sell other peoples related products for a commission. The advantage here is that once you put your information in the store it is done. You don't have to keep building it and shipping it. If your not comfortable with writing your own material you can use a ghostwriter (http://www.home-work.net).

Another home business opportunity that is unique to the Internet is based on common interests. What do you have a special interest in that others may share? Music, books, computers, cars, gardening, collectibles, etc…? The idea in this business model is to create a site with information and resources available online of interest to others. Then you select products to sell of interest to people that would be visiting your site. For instance, if you had an avid interest in a particular type of music. You could develop a site that was a resource for others with that same interest. The site could include links to artists sites, reviews of the latest releases, concert tour information, photos, sound clips, interview excerpts, a chat room, or discussion board. You become an "associate" of one of the CD distributors online and receive a commission on CD's that are sold. The distributor does the entire order fulfillment. The number and variety of companies that have an associate program online is growing daily. They cover all kinds of products and services from gifts to computers or web hosting to credit cards.

Start with what you know, apply some imagination, and open your low cost home business online. The market is growing everyday - world wide.

Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
Bob Cortez has 20 years of sales and marketing experience. Through Total Quality Marketing he is providing consulting services to home based entrepreneurs looking to expand their business online and take advantage of  the tremendous opportunities available.

Total Quality Marketing
PO Box 338
Homer Alaska 99603

The most frequently asked question I receive as an Internet home business consultant usually goes something like this; "I would really like to start my own home business on the Internet, but I don't know what." The short answer is - Start with what you know and enjoy.

There are a number of good reasons for this

By drawing on existing knowledge, you can concentrate on building a business rather than learning about a new trade, product, or service.

Starting and running a home business means long hours and sacrifice. It is easier to do when you are doing something you enjoy.

Selling what you know and enjoy is less difficult for non-salespeople.Selling what you know and enjoy is less difficult for non-salespeople.

The Internet offers unique opportunities for the home business netrepreneur. It creates the ability to reach a much larger potential market for your product, service, or information at a much lower price than through conventional advertising mediums.

The Internet and World Wide Web are still in their infancy. Right now, you can get everything you need to put your business online - free. It is like someone offering you a store (web hosting), full time staff (web pages, auto responders) and advertising (lots of advertising) for free. All you have to do is come up with an idea for a product or service to put in the store. 

One of my favorite examples is my mother's home business. She builds very creative and unique birdhouses. She uses scrap lumber from a local sawmill (free) and driftwood from the local beach (free), to keep her material costs low. Another local artist provides the miniature sculptures for a percentage of the sales. She started by building and selling these for the local tourist trade in Homer Alaska, and was doing ok. But when we put them on the Internet (http://www.ptialaska.net/~cortez/) sales really began to soar. Not everyone that would be interested in the birdhouses can afford to visit Homer, and we certainly couldn't afford to advertise to the world in any other way. We were able to reach this larger market by using free web hosting, design, and promotion services. Once we developed a flow of traffic, we were able to create additional income streams by selling other peoples products as well. (I'll discuss this further later in this article)

This business model can work for just about any product that can be shipped. What unique item can you build using local materials? Do you have a craft or gift idea that is unique? How about a kit or plans for something you have built?

Information is another type of product. What do you know or know how to do that would be of interest or value to others? You can either sell that information as a report, or a tip booklet. Or you can give the information away at your store and sell other peoples related products for a commission. The advantage here is that once you put your information in the store it is done. You don't have to keep building it and shipping it. If your not comfortable with writing your own material you can use a ghostwriter (http://www.home-work.net).

Another home business opportunity that is unique to the Internet is based on common interests. What do you have a special interest in that others may share? Music, books, computers, cars, gardening, collectibles, etc…? The idea in this business model is to create a site with information and resources available online of interest to others. Then you select products to sell of interest to people that would be visiting your site. For instance, if you had an avid interest in a particular type of music. You could develop a site that was a resource for others with that same interest. The site could include links to artists sites, reviews of the latest releases, concert tour information, photos, sound clips, interview excerpts, a chat room, or discussion board. You become an "associate" of one of the CD distributors online and receive a commission on CD's that are sold. The distributor does the entire order fulfillment. The number and variety of companies that have an associate program online is growing daily. They cover all kinds of products and services from gifts to computers or web hosting to credit cards.

Start with what you know, apply some imagination, and open your low cost home business online. The market is growing everyday - world wide.

Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
Bob Cortez has 20 years of sales and marketing experience. Through Total Quality Marketing he is providing consulting services to home based entrepreneurs looking to expand their business online and take advantage of  the tremendous opportunities available.

Total Quality Marketing
PO Box 338
Homer Alaska 99603

The most frequently asked question I receive as an Internet home business consultant usually goes something like this; "I would really like to start my own home business on the Internet, but I don't know what." The short answer is - Start with what you know and enjoy.

There are a number of good reasons for this

By drawing on existing knowledge, you can concentrate on building a business rather than learning about a new trade, product, or service.

Starting and running a home business means long hours and sacrifice. It is easier to do when you are doing something you enjoy.

Selling what you know and enjoy is less difficult for non-salespeople.Selling what you know and enjoy is less difficult for non-salespeople.

The Internet offers unique opportunities for the home business netrepreneur. It creates the ability to reach a much larger potential market for your product, service, or information at a much lower price than through conventional advertising mediums.

The Internet and World Wide Web are still in their infancy. Right now, you can get everything you need to put your business online - free. It is like someone offering you a store (web hosting), full time staff (web pages, auto responders) and advertising (lots of advertising) for free. All you have to do is come up with an idea for a product or service to put in the store. 

One of my favorite examples is my mother's home business. She builds very creative and unique birdhouses. She uses scrap lumber from a local sawmill (free) and driftwood from the local beach (free), to keep her material costs low. Another local artist provides the miniature sculptures for a percentage of the sales. She started by building and selling these for the local tourist trade in Homer Alaska, and was doing ok. But when we put them on the Internet (http://www.ptialaska.net/~cortez/) sales really began to soar. Not everyone that would be interested in the birdhouses can afford to visit Homer, and we certainly couldn't afford to advertise to the world in any other way. We were able to reach this larger market by using free web hosting, design, and promotion services. Once we developed a flow of traffic, we were able to create additional income streams by selling other peoples products as well. (I'll discuss this further later in this article)

This business model can work for just about any product that can be shipped. What unique item can you build using local materials? Do you have a craft or gift idea that is unique? How about a kit or plans for something you have built?

Information is another type of product. What do you know or know how to do that would be of interest or value to others? You can either sell that information as a report, or a tip booklet. Or you can give the information away at your store and sell other peoples related products for a commission. The advantage here is that once you put your information in the store it is done. You don't have to keep building it and shipping it. If your not comfortable with writing your own material you can use a ghostwriter (http://www.home-work.net).

Another home business opportunity that is unique to the Internet is based on common interests. What do you have a special interest in that others may share? Music, books, computers, cars, gardening, collectibles, etc…? The idea in this business model is to create a site with information and resources available online of interest to others. Then you select products to sell of interest to people that would be visiting your site. For instance, if you had an avid interest in a particular type of music. You could develop a site that was a resource for others with that same interest. The site could include links to artists sites, reviews of the latest releases, concert tour information, photos, sound clips, interview excerpts, a chat room, or discussion board. You become an "associate" of one of the CD distributors online and receive a commission on CD's that are sold. The distributor does the entire order fulfillment. The number and variety of companies that have an associate program online is growing daily. They cover all kinds of products and services from gifts to computers or web hosting to credit cards.

Start with what you know, apply some imagination, and open your low cost home business online. The market is growing everyday - world wide.

Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
Bob Cortez has 20 years of sales and marketing experience. Through Total Quality Marketing he is providing consulting services to home based entrepreneurs looking to expand their business online and take advantage of  the tremendous opportunities available.

Total Quality Marketing
PO Box 338
Homer Alaska 99603

The most frequently asked question I receive as an Internet home business consultant usually goes something like this; "I would really like to start my own home business on the Internet, but I don't know what." The short answer is - Start with what you know and enjoy.

There are a number of good reasons for this

By drawing on existing knowledge, you can concentrate on building a business rather than learning about a new trade, product, or service.

Starting and running a home business means long hours and sacrifice. It is easier to do when you are doing something you enjoy.

Selling what you know and enjoy is less difficult for non-salespeople.Selling what you know and enjoy is less difficult for non-salespeople.

The Internet offers unique opportunities for the home business netrepreneur. It creates the ability to reach a much larger potential market for your product, service, or information at a much lower price than through conventional advertising mediums.

The Internet and World Wide Web are still in their infancy. Right now, you can get everything you need to put your business online - free. It is like someone offering you a store (web hosting), full time staff (web pages, auto responders) and advertising (lots of advertising) for free. All you have to do is come up with an idea for a product or service to put in the store. 

One of my favorite examples is my mother's home business. She builds very creative and unique birdhouses. She uses scrap lumber from a local sawmill (free) and driftwood from the local beach (free), to keep her material costs low. Another local artist provides the miniature sculptures for a percentage of the sales. She started by building and selling these for the local tourist trade in Homer Alaska, and was doing ok. But when we put them on the Internet (http://www.ptialaska.net/~cortez/) sales really began to soar. Not everyone that would be interested in the birdhouses can afford to visit Homer, and we certainly couldn't afford to advertise to the world in any other way. We were able to reach this larger market by using free web hosting, design, and promotion services. Once we developed a flow of traffic, we were able to create additional income streams by selling other peoples products as well. (I'll discuss this further later in this article)

This business model can work for just about any product that can be shipped. What unique item can you build using local materials? Do you have a craft or gift idea that is unique? How about a kit or plans for something you have built?

Information is another type of product. What do you know or know how to do that would be of interest or value to others? You can either sell that information as a report, or a tip booklet. Or you can give the information away at your store and sell other peoples related products for a commission. The advantage here is that once you put your information in the store it is done. You don't have to keep building it and shipping it. If your not comfortable with writing your own material you can use a ghostwriter (http://www.home-work.net).

Another home business opportunity that is unique to the Internet is based on common interests. What do you have a special interest in that others may share? Music, books, computers, cars, gardening, collectibles, etc…? The idea in this business model is to create a site with information and resources available online of interest to others. Then you select products to sell of interest to people that would be visiting your site. For instance, if you had an avid interest in a particular type of music. You could develop a site that was a resource for others with that same interest. The site could include links to artists sites, reviews of the latest releases, concert tour information, photos, sound clips, interview excerpts, a chat room, or discussion board. You become an "associate" of one of the CD distributors online and receive a commission on CD's that are sold. The distributor does the entire order fulfillment. The number and variety of companies that have an associate program online is growing daily. They cover all kinds of products and services from gifts to computers or web hosting to credit cards.

Start with what you know, apply some imagination, and open your low cost home business online. The market is growing everyday - world wide.

Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
Bob Cortez has 20 years of sales and marketing experience. Through Total Quality Marketing he is providing consulting services to home based entrepreneurs looking to expand their business online and take advantage of  the tremendous opportunities available.

Total Quality Marketing
PO Box 338
Homer Alaska 99603

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.

For more details on market research, business planning, advertising, selling, order fulfillment, and other aspects of home-based businesses, watch World Wide Information Outlet for future reports.

Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
Reprint permission for any medium is granted only if all information below this notice, including the WWIO web site link and authors biography are included as written.

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.

For more details on market research, business planning, advertising, selling, order fulfillment, and other aspects of home-based businesses, watch World Wide Information Outlet for future reports.

Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
Reprint permission for any medium is granted only if all information below this notice, including the WWIO web site link and authors biography are included as written.

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.

For more details on market research, business planning, advertising, selling, order fulfillment, and other aspects of home-based businesses, watch World Wide Information Outlet for future reports.

Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
Reprint permission for any medium is granted only if all information below this notice, including the WWIO web site link and authors biography are included as written.

A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

BENEFITS OF A DATABASE

By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    10 Ways to Maximize the Impact of TrainingRon Kaufman

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    A database is more than a simple list of names and addresses. What turns a list into a database is the additionalinformation, coupled with your ability to select names from or report on the list using any combination of data elements.

    In this report, you'll see some examples of the benefits of developing and maintaining a database. Then, the specific information that a database can contain will be detailed.

    BENEFITS OF A DATABASE

    By maintaining your list as a database, you can segment in many ways for targeting. Targeting improves the productivity of your offers. You can use a database to isolate the segment of your list most likely to respond to a particular offer. With a good database, you're not mass-mailing your offer to parts of your list that may have no interest in it (based on their characteristics). Because the number you're mailing is smaller, your response rate (number responding/number mailed) - one measure of productivity - should be higher. (And, of course, you'll save on printing and postage costs.)

    Here are two simple examples of targeting using database information:
  • You're the owner of a neighborhood beauty salon. For each customer, you keep a record (with dates) of all the services you've provided to that customer. You're planning a special pre-summer promotion on permanent waves for the month of May.

    Instead of mailing an announcement of the sale to your entire customer list (many of whom don't have their hair permed), you select only those customers who had a permanent at least three months ago. In this way, you're targeting those customers who are most likely to take advantage of your upcoming sale.

  • You're the dinner chairperson of a local fund-raising organization. Your mailing list is made up of a wide range of contributors, from those who've donated only a few dollars to those who give annual gifts of thousands of dollars. For each contributor, you maintain a record of all past donations and functions he/she has attended, in addition to basic mailing information.

    This year, you're asking for donations of $100 a plate for the annual dinner dance. To get the best response to your invitation, you first target those contributors who were at last year's dinner dance. Then you target those who weren't at the dance, but who donated more than $100 in the past year. Depending on the response you expect from these first two groups, you may next want to target those names on your list that didn't attend the last dance, but contributed $50 in the last year. You may even want to have a phone follow-up to the first two groups but use the mailing only for the third group.

    A properly set up database can provide many benefits for your business or organization. But the usefulness of a database depends entirely on what elements you include in it.

    WHAT TO INCLUDE IN THE DATABASE

    Depending on your type of business or organization, you will want to include different fields in your database. Later in this report you will see some examples of the fields that are appropriate in specific instances. For all businesses or organizations, though, certain basic information is always necessary.

    By including basic information in your database, you ensure that the people or companies on your list are deliverable. That is, the mailings you produce using your list will get where you want them to go - into the hands of the individual who is most likely to respond to your offer.
  • Basic information for Business Audiences

    If your audience is made up of businesses, you will need to include the following fields for each name on your list:

  • A unique account number.

    This number should not be tied into any other information about the customer, for example, phone number or address, since this sort of information may change over time. The account number should never change throughout the life of the customer. A sequential numbering system is simple and effective.

  • Company name.

  • Street Address.

  • Suite number, is necessary

  • P.O. Box, if necessary.

  • City

  • State

  • Zip Code, five or nine digit.

  • Phone number (with area code).

  • Job title or name of contact.

    Some business mailers maintain the name of the individual within the customer's business or organization. Others simply use the appropriate job title. The alternative you choose will depend on the nature of your business and the amount of turnover associated with the position that is your contact.

  • Basic Information for Individual (Non-Business) Audiences

    If your audience is made up of individuals, you will need to include the following data for each name on the list:

  • A unique account number.

  • Individual's name.

  • Street address or P.O. Box.

  • Apartment number, is necessary.

  • City.

  • State.

  • Zip Code, five or nine digit.

  • Phone number (with area code).

    The basic information listed above is necessary to make sure that the names on your mailing list are mailable. But how do you decide which names are more productive?

  • Data Elements to Evaluate - Recency, Frequency and Monetary Value

    Regardless of whether you're mailing to businesses or individuals, there are three factors - recency, frequency and monetary value - that are commonly used to measure the value of a name.

  • Recency: Recency refers to the last time that the customer ordered or responded to an offer.

  • Frequency: Frequency is the number of orders or responses that the customer has made since becoming a customer (or during the last year or other specified time period).

  • Monetary Value: The monetary value is the amount of money the customer has spent since becoming a customer (or during the last year or other specified time period).

    How do these three factors determine the value of a customer (the likelihood he/she will order again)?

    • The more recently a customer has ordered from you, the more likely he/she will be to respond to your next offer.

    • The more often a customer orders from you, the more likely he/she will be to respond to your next offer.

    • The more money a customer spends with you, the more likely he/she will be to respond to your next offer.

    All three factors - recency, frequency, and monetary value - are considered to be good indicators of whether or not a customer is likely to respond to a future offer. But they are not equal. Recency is thought to be the best indicator, followed by frequency and then monetary value.

    In order to use these valuable pieces of information, here are the specific fields you need to maintain on your database:

    • For recency: The date of the last transaction with the customer - the date of the customer's last order, purchase or donation.

    • For frequency: The dates of all previous transactions with the customer over a certain period of time.

    • For monetary value: The size (in dollars) of all of the customer's previous purchases or other transactions. (It is also common to maintain the dollar amount of the customer's most recent order as the monetary value indicator.)

    In addition to evaluating the recency, frequency, and monetary worth of your audience, you will probably find that there are many other important ways to analyze the names on your database.

  • Additional Information for Business Audiences

    If your audience is made up of businesses, there is additional descriptive information, some specific to your product or offer, that could be valuable to have.

    You might want to consider storing some of the following data elements for each of the names on your database:

  • Number of employees in the business/organization.

  • Type of business/organization.

    The United States Government four-digit coding system, the Standard Industrial Classification (SIC) system, is commonly used to identify businesses. For example, the codes 5211 through 5999 identify Retailers. Within that category, 5411 is the code for Grocery Stores, 5441 the number for Candy, Nut and Congectionery Stores. The SIC Manual is available through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

  • Annual sales volume.

  • Credit status code

    The credit status code could be developed by you, based on the customer's payment history or perhaps obtained from a commercial credit report.

  • Items ordered from you.

    With data in this field, you can select customers for programs designed to get them to reorder an item, or to order complementary or supply items.

  • Location.

    Is it a headquarters, subsidiary, branch, division, etc.? If you are making an offer that requires a decision by someone at the headquarters of a company, you may not want to send it to the branch office (unless there are employees involved in the decision too).

  • Source of the name.

    This field is usually a code representing where you got the name. Assign a unique code for each referral program, publication advertisement, list, etc., you use to get a new name. Assigning a source code to each new customer allowsyou to evaluate the effectiveness of each technique you use to get customers or to collect prospect names.

  • Additional Information for Individual Audiences

    If your audience is made up of individuals, you may want to collect information on the household unit, often the most relevant purchasing unit. Here are some suggestions for demographic information that could be useful to you in analyzing the names on your mailing list.

  • Household income.

  • Occupations of household members.

  • Number of people in the household.

  • Ages of the members of the household.

  • Genders of members of the household.

  • Marital status of members of the household.

  • Information on property belonging to the household:

    • Type of living quarters.

    • Owned or rented living quarters.

    • Number, make, model, etc. of each

      automobile.
    • Number, make, model, etc. of each major appliance.

  • Political affiliation.

  • Hobbies and leisure time activities.

    Now you know the secrets of how a database can turn your mailing list into a valuable asset for your business or organization. You understand what basic fields to include. And you have had an overview of what additional fields might be added to the basic ones that make a list mailable. Be sure to carefully analyze your own needs and to include information that would be of help to you in mailing smarter. In a future report, we will explain the details of how to go about collecting the names for your mailing list, starting with your customer list.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    60 Second Window #26 Color at a price...None
    Fred Showker

    Newsletter tips beyond computers and software...

    As we've said many times before, publishing a newsletter can be one of your best marketing activities.

    For most however, the cost of adding a second or spot color to each issue of a newsletter can be prohibitive. This requires a second plate and in most cases a second press run.

    Newsletters in the four to twelve page range can enjoy an additional color at very little per-issue cost by printing a year's supply of lanks in advance. Plan your year, or perhaps the next nine months, into the budget to cover the initial cost.

    Design your blank with a color masthead, logo, tint boxes, or page graphics, leaving the body blank to be imprinted with each new month's text and graphics. (In the old days we called this a dough-nut!) Design carefully though, your color elements must remain the same for each issue. Make arrangements well in advance so your printer can print at his convenience, and when the color you want happens to be on the press for another job. You can probably make him happy, and get a little off the job if you ask what colors are coming up soon for other jobs and make your selection from those. Don't forget - each time the printer changes colors, he has to do a wash-up.

    For small circulation NLs, monthly imprints can be printed by a less complicated, less costly jiffy-print type printers - or even on your own photo-copier. It will make your job a little easier, less expensive and will provide a nicer looking newsletter as well.

    Put that marketing partner in high gear by adding easy, low-cost color!

    Happy publishing,

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Fred Showker is a 27-year veteran of the publishing and graphic arts industry, author and speaker. He is editor and publisher of DT&G: The Electronic Journal of Design, Type & Graphics, the design and publishing industry's longest running online magazine. The Design & Publishing Center hosts Photoshop Tips & Tricks, WebDesign & Review, The Designers Bookshelf and departments for the four areas of the graphic arts fields.

    DT&G Magazine ('97 APEX Grand Award Winner)
    The User Group Network News Service
    http://www.user-groups.com/
    Now serving 165,000 readers per month!

    Newsletter tips beyond computers and software...

    As we've said many times before, publishing a newsletter can be one of your best marketing activities.

    For most however, the cost of adding a second or spot color to each issue of a newsletter can be prohibitive. This requires a second plate and in most cases a second press run.

    Newsletters in the four to twelve page range can enjoy an additional color at very little per-issue cost by printing a year's supply of lanks in advance. Plan your year, or perhaps the next nine months, into the budget to cover the initial cost.

    Design your blank with a color masthead, logo, tint boxes, or page graphics, leaving the body blank to be imprinted with each new month's text and graphics. (In the old days we called this a dough-nut!) Design carefully though, your color elements must remain the same for each issue. Make arrangements well in advance so your printer can print at his convenience, and when the color you want happens to be on the press for another job. You can probably make him happy, and get a little off the job if you ask what colors are coming up soon for other jobs and make your selection from those. Don't forget - each time the printer changes colors, he has to do a wash-up.

    For small circulation NLs, monthly imprints can be printed by a less complicated, less costly jiffy-print type printers - or even on your own photo-copier. It will make your job a little easier, less expensive and will provide a nicer looking newsletter as well.

    Put that marketing partner in high gear by adding easy, low-cost color!

    Happy publishing,

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Fred Showker is a 27-year veteran of the publishing and graphic arts industry, author and speaker. He is editor and publisher of DT&G: The Electronic Journal of Design, Type & Graphics, the design and publishing industry's longest running online magazine. The Design & Publishing Center hosts Photoshop Tips & Tricks, WebDesign & Review, The Designers Bookshelf and departments for the four areas of the graphic arts fields.

    DT&G Magazine ('97 APEX Grand Award Winner)
    The User Group Network News Service
    http://www.user-groups.com/
    Now serving 165,000 readers per month!

    Newsletter tips beyond computers and software...

    As we've said many times before, publishing a newsletter can be one of your best marketing activities.

    For most however, the cost of adding a second or spot color to each issue of a newsletter can be prohibitive. This requires a second plate and in most cases a second press run.

    Newsletters in the four to twelve page range can enjoy an additional color at very little per-issue cost by printing a year's supply of lanks in advance. Plan your year, or perhaps the next nine months, into the budget to cover the initial cost.

    Design your blank with a color masthead, logo, tint boxes, or page graphics, leaving the body blank to be imprinted with each new month's text and graphics. (In the old days we called this a dough-nut!) Design carefully though, your color elements must remain the same for each issue. Make arrangements well in advance so your printer can print at his convenience, and when the color you want happens to be on the press for another job. You can probably make him happy, and get a little off the job if you ask what colors are coming up soon for other jobs and make your selection from those. Don't forget - each time the printer changes colors, he has to do a wash-up.

    For small circulation NLs, monthly imprints can be printed by a less complicated, less costly jiffy-print type printers - or even on your own photo-copier. It will make your job a little easier, less expensive and will provide a nicer looking newsletter as well.

    Put that marketing partner in high gear by adding easy, low-cost color!

    Happy publishing,

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Fred Showker is a 27-year veteran of the publishing and graphic arts industry, author and speaker. He is editor and publisher of DT&G: The Electronic Journal of Design, Type & Graphics, the design and publishing industry's longest running online magazine. The Design & Publishing Center hosts Photoshop Tips & Tricks, WebDesign & Review, The Designers Bookshelf and departments for the four areas of the graphic arts fields.

    DT&G Magazine ('97 APEX Grand Award Winner)
    The User Group Network News Service
    http://www.user-groups.com/
    Now serving 165,000 readers per month!

    Newsletter tips beyond computers and software...

    As we've said many times before, publishing a newsletter can be one of your best marketing activities.

    For most however, the cost of adding a second or spot color to each issue of a newsletter can be prohibitive. This requires a second plate and in most cases a second press run.

    Newsletters in the four to twelve page range can enjoy an additional color at very little per-issue cost by printing a year's supply of lanks in advance. Plan your year, or perhaps the next nine months, into the budget to cover the initial cost.

    Design your blank with a color masthead, logo, tint boxes, or page graphics, leaving the body blank to be imprinted with each new month's text and graphics. (In the old days we called this a dough-nut!) Design carefully though, your color elements must remain the same for each issue. Make arrangements well in advance so your printer can print at his convenience, and when the color you want happens to be on the press for another job. You can probably make him happy, and get a little off the job if you ask what colors are coming up soon for other jobs and make your selection from those. Don't forget - each time the printer changes colors, he has to do a wash-up.

    For small circulation NLs, monthly imprints can be printed by a less complicated, less costly jiffy-print type printers - or even on your own photo-copier. It will make your job a little easier, less expensive and will provide a nicer looking newsletter as well.

    Put that marketing partner in high gear by adding easy, low-cost color!

    Happy publishing,

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Fred Showker is a 27-year veteran of the publishing and graphic arts industry, author and speaker. He is editor and publisher of DT&G: The Electronic Journal of Design, Type & Graphics, the design and publishing industry's longest running online magazine. The Design & Publishing Center hosts Photoshop Tips & Tricks, WebDesign & Review, The Designers Bookshelf and departments for the four areas of the graphic arts fields.

    DT&G Magazine ('97 APEX Grand Award Winner)
    The User Group Network News Service
    http://www.user-groups.com/
    Now serving 165,000 readers per month!

    Guidelines' Guidelines. (Is there an echo in here?)Ed Churnside
    Fred Showker

    Newsletter tips beyond computers and software...

    As we've said many times before, publishing a newsletter can be one of your best marketing activities.

    For most however, the cost of adding a second or spot color to each issue of a newsletter can be prohibitive. This requires a second plate and in most cases a second press run.

    Newsletters in the four to twelve page range can enjoy an additional color at very little per-issue cost by printing a year's supply of lanks in advance. Plan your year, or perhaps the next nine months, into the budget to cover the initial cost.

    Design your blank with a color masthead, logo, tint boxes, or page graphics, leaving the body blank to be imprinted with each new month's text and graphics. (In the old days we called this a dough-nut!) Design carefully though, your color elements must remain the same for each issue. Make arrangements well in advance so your printer can print at his convenience, and when the color you want happens to be on the press for another job. You can probably make him happy, and get a little off the job if you ask what colors are coming up soon for other jobs and make your selection from those. Don't forget - each time the printer changes colors, he has to do a wash-up.

    For small circulation NLs, monthly imprints can be printed by a less complicated, less costly jiffy-print type printers - or even on your own photo-copier. It will make your job a little easier, less expensive and will provide a nicer looking newsletter as well.

    Put that marketing partner in high gear by adding easy, low-cost color!

    Happy publishing,

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Fred Showker is a 27-year veteran of the publishing and graphic arts industry, author and speaker. He is editor and publisher of DT&G: The Electronic Journal of Design, Type & Graphics, the design and publishing industry's longest running online magazine. The Design & Publishing Center hosts Photoshop Tips & Tricks, WebDesign & Review, The Designers Bookshelf and departments for the four areas of the graphic arts fields.

    DT&G Magazine ('97 APEX Grand Award Winner)
    The User Group Network News Service
    http://www.user-groups.com/
    Now serving 165,000 readers per month!

    WHOLESALE - SOME PRICING CONSIDERATIONS

    Your ideal goal here would be to set your price at 2x your Total Cost. But, you will more often have to settle for a lot less mark-up. The compensating factor here is that when selling wholesale, you are selling in larger volumes than when selling retail. The larger volumes should help you reduce the costs of your parts, since you can buy those in volume. It should also result in a lot more cash flowing through your bank accounts. While you don't measure cash flow in actual dollar amounts and profits, cash flow definitely has a value because it enables your business to keep operating smoothly, and with less fits and starts.

    The minimum return you should settle for with wholesale is the ability to price your items at 1.25x your Total Cost. If any less, you need to rethink your product or your marketing strategy.

    A reasonable return you should aim for with wholesale is 1.5x your Total Cost.

    Again, your ideal goal would be 2.0x your Total Cost. [If you are only wholesaling a few pieces at a time, then 2.0x might be your minimum acceptable amount.

    CONSIGNMENT: SOME PRICING CONSIDERATIONS

    Many artists and craftspersons are dependent on consignment sales, since many of the retail outlets for these types of products must share the isk of sales with the artist. That is, the retail outlet cannot afford to buy the pieces outright. They can only afford to create a retail environment conducive for the sale of crafts and artwork.

    Thus, the retailer, in consignment, basically agrees to accept a little less of a profit from the sale of any item. The artist/craftsperson also agrees to accept a little less money.

    Typically, the retailer and artist/craftsperson might negotiate an item's price based on what they think someone will pay for it. Then they will agree how to split the money. A very common split is 60% of the sales price goes to the retailer, and 40% goes to the artist/craftsperson. Also common is 70% retailer/30% artist craftsperson. Less common is 50/50, 40/60 or 80/20.

    Now the artist/craftsperson has to determine if the return is sufficient to result in a profit. If the decided-upon price for an item was $10.00, and the negotiated split was 60/40, the artist would expect $4.00 from its sale. This $4.00 would have to cover the cost of the parts, the general overhead costs, and hopefully some or all of the artist's labor, as well as some extra money to reinvest in the business.

    Suppose the item was a pair of earrings, the cost of the parts was $1.00, the cost of labor $2.50, and overhead .88. The cost to the artist would be $4.38 -- .38 more in cost then in return. The artist could decide to take less for his or her labor. Or, the artist could renegotiate with the retailer to set a higher price for the item. The retailer would evaluate whether the item could sell at a higher price, or would sit around gathering dust, thus costing the retailing overhead costs, that could otherwise be offset with a better, faster selling item. [Retailers need to urn merchandise around at least 2x, and ideally 3x each year. That is, each square foot of selling space must generate a certain number of dollars each year to enable the retailer to pay the rent and other overhead costs generated by that square foot of selling space. If the retailer is resistant to raising the price, and the return is insufficient to cover the artist's costs, then the artist needs to re-evaluate the product or the location for selling that product.

    One of the greatest thrills of all time is when someone pays real money for something you have designed and created.

    The first question pops up: Can I make some serious money making jewelry?

    Why not? With smart planning, strategizing and marketing, you should even be able to make a living from your creative impulses.

    Some advice:

    First, buy your parts cheaply.
    Limit your inventory at first. Buy a few parts in large quantities.

    The more expensive your parts, the harder it will be to mark up your finished product in order to make a profit.

    If you try to design your business so that you can meet every contingency -- that is, respond to every request or market niche -- you'll end up buying a lot of different parts to have breadth, rather than depth, of inventory. This will cost you. Each part will have to be bought in smaller quantities, and thus will be more expensive.

    If, instead, you concentrate on replicating a limited number of designs, (perhaps varying certain design-features rather than coming up with completely new and different designs), you'll be able to buy parts in larger quantities, making them less expensive.

    [As your business develops and matures, your goals will change, and you will seek greater breadth -- but this is a subject for another article.

    Second, know your market.
    Who are your customers?

    What will your customers be willing to pay, say, for a pair of earrings?

    Where are your customers located? How will they get to you, or you to them?

    What will it cost you to link up to your target market? - travel, displays, packaging, timing

    You don't want to make a $100.00 beaded watch band if your most likely target market customer will only be willing to pay $20.00 for it.

    Third, know your competition.
    Check out similar merchandise in stores, flea markets and other places that sell jewelry like yours, and that target customers like the ones you want to target. How have they priced similar merchandise?

    Fourth, mark up and price your products so that you will make a sufficient profit.

    Sufficiency means that (a) you can buy replacement parts, (b) you can pay your overhead costs, (c) you can pay yourself, and (d) you can reinvest 5-10% of your earnings back into your business, such as expanding your inventory, or buying display fixtures and the like.

    Remember, it's always easier to lower a price, than raise a price. Customers smile at lower prices, but frown on raised prices.

    Some Formulas To Help You Price Your Pieces

    You need to write down this information:

    1) Cost of All Parts

    Use your ypical costs. If you got a good buy on some parts, don't use the discounted cost, unless this is going to become your ypical cost.

    2) Cost of your Labor

    Figure out what you would expect to make per hour if someone were paying you a salary. $10.00/hour is reasonable for a beginner. Determine on average, how many hours it takes to make the piece. Figure out the hours to the nearest quarter of an hour. That is, if you took 1 hour 6 minutes to make a piece, consider that 1 1/4 hours. The number of hours times the hourly rate is your cost of labor.

    3) Overhead costs (rent, electricity, consumable supplies, cost of travel to acquire your supplies, and the like).

    Assume your overhead costs equal an additional 25% of the total cost of parts plus the cost of labor.

    Now, compute your TOTAL COST:

    TOTAL COST = Cost of All Parts + Overhead + Labor

    It's always difficult to recoup your labor, that is, the amount of time you put into making a product. You usually have to discount your labor. Thus,

    TOTAL MINIMUM COST = Cost of All Parts + Overhead + (Labor * 0.0)
    TOTAL MAXIMUM COST = (Cost of All Parts + Overhead) * (1.5)

    (1.5 is a labor cost adjustment factor)

    If your parts costs $10.00 and labor cost $2.00, your overhead would cost an additional $3.00.

    Your TOTAL MINIMUM COST (where you have charged nothing for your labor) would then be $13.00.

    Your TOTAL MAXIMUM COST (where you have charged the maximum amount for your labor) would be $19.50.

    Now you have to translate your cost into a price.

    For jewelry, you want to price your items at least 2 times your Total Cost, and preferably 2.5 to 3.0 times your Total Cost. Too many people underprice their products.

    Don't be afraid to adequately price your products. Jewelry is typically marked up higher than other goods. There are many reasons for this. The cost of getting and maintaining an inventory of parts is high; you can't buy just 1 bead at a time as needed. Jewelry fashions change every 3-4 months, often radically, leaving you with some unsaleable stock.

    In our example above, if your product cost:

    $13.00 (Total Minimum Cost), it would be priced between $26.00 (2*cost) and $39.00 (3*cost)

    $19.50 (Total Maximum Cost), it would be priced between $39.00 (2*cost) and $58.50 (3*cost)

    Sit back and evaluate your situation. If you feel your target market won't pay at least, in this example, $26.00 for the finished product, you need to rethink. Either reduce your costs or redesign the product.

    YOUR PROFITS: Assuming your cost was $13.00 plus $2.00 labor, or $15.00, and you sold your item for $26.00, your profit would be $9.00. You would want to set aside between 25% and 50% of this profit for einvestment into your business. Thus, after you paid your labor ($2.00), bought replacement parts ($10.00), and paid all your associated overhead ($3.00), you would put between $2.25 and $4.50 towards purchasing additional things for your business, and the remainder in your business bank account.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    LAND OF ODDS - The South's Most Unusual Shop
    150 Second Avenue North, Ste. 110, Nashville, TN 37201
    PHONE: 615/254-4341, 726-1665
    FAX: 615/254-4341
    http://www.landofodds.com
    oddsian@landofodds.com

    WHOLESALE - SOME PRICING CONSIDERATIONS

    Your ideal goal here would be to set your price at 2x your Total Cost. But, you will more often have to settle for a lot less mark-up. The compensating factor here is that when selling wholesale, you are selling in larger volumes than when selling retail. The larger volumes should help you reduce the costs of your parts, since you can buy those in volume. It should also result in a lot more cash flowing through your bank accounts. While you don't measure cash flow in actual dollar amounts and profits, cash flow definitely has a value because it enables your business to keep operating smoothly, and with less fits and starts.

    The minimum return you should settle for with wholesale is the ability to price your items at 1.25x your Total Cost. If any less, you need to rethink your product or your marketing strategy.

    A reasonable return you should aim for with wholesale is 1.5x your Total Cost.

    Again, your ideal goal would be 2.0x your Total Cost. [If you are only wholesaling a few pieces at a time, then 2.0x might be your minimum acceptable amount.

    CONSIGNMENT: SOME PRICING CONSIDERATIONS

    Many artists and craftspersons are dependent on consignment sales, since many of the retail outlets for these types of products must share the isk of sales with the artist. That is, the retail outlet cannot afford to buy the pieces outright. They can only afford to create a retail environment conducive for the sale of crafts and artwork.

    Thus, the retailer, in consignment, basically agrees to accept a little less of a profit from the sale of any item. The artist/craftsperson also agrees to accept a little less money.

    Typically, the retailer and artist/craftsperson might negotiate an item's price based on what they think someone will pay for it. Then they will agree how to split the money. A very common split is 60% of the sales price goes to the retailer, and 40% goes to the artist/craftsperson. Also common is 70% retailer/30% artist craftsperson. Less common is 50/50, 40/60 or 80/20.

    Now the artist/craftsperson has to determine if the return is sufficient to result in a profit. If the decided-upon price for an item was $10.00, and the negotiated split was 60/40, the artist would expect $4.00 from its sale. This $4.00 would have to cover the cost of the parts, the general overhead costs, and hopefully some or all of the artist's labor, as well as some extra money to reinvest in the business.

    Suppose the item was a pair of earrings, the cost of the parts was $1.00, the cost of labor $2.50, and overhead .88. The cost to the artist would be $4.38 -- .38 more in cost then in return. The artist could decide to take less for his or her labor. Or, the artist could renegotiate with the retailer to set a higher price for the item. The retailer would evaluate whether the item could sell at a higher price, or would sit around gathering dust, thus costing the retailing overhead costs, that could otherwise be offset with a better, faster selling item. [Retailers need to urn merchandise around at least 2x, and ideally 3x each year. That is, each square foot of selling space must generate a certain number of dollars each year to enable the retailer to pay the rent and other overhead costs generated by that square foot of selling space. If the retailer is resistant to raising the price, and the return is insufficient to cover the artist's costs, then the artist needs to re-evaluate the product or the location for selling that product.

    One of the greatest thrills of all time is when someone pays real money for something you have designed and created.

    The first question pops up: Can I make some serious money making jewelry?

    Why not? With smart planning, strategizing and marketing, you should even be able to make a living from your creative impulses.

    Some advice:

    First, buy your parts cheaply.
    Limit your inventory at first. Buy a few parts in large quantities.

    The more expensive your parts, the harder it will be to mark up your finished product in order to make a profit.

    If you try to design your business so that you can meet every contingency -- that is, respond to every request or market niche -- you'll end up buying a lot of different parts to have breadth, rather than depth, of inventory. This will cost you. Each part will have to be bought in smaller quantities, and thus will be more expensive.

    If, instead, you concentrate on replicating a limited number of designs, (perhaps varying certain design-features rather than coming up with completely new and different designs), you'll be able to buy parts in larger quantities, making them less expensive.

    [As your business develops and matures, your goals will change, and you will seek greater breadth -- but this is a subject for another article.

    Second, know your market.
    Who are your customers?

    What will your customers be willing to pay, say, for a pair of earrings?

    Where are your customers located? How will they get to you, or you to them?

    What will it cost you to link up to your target market? - travel, displays, packaging, timing

    You don't want to make a $100.00 beaded watch band if your most likely target market customer will only be willing to pay $20.00 for it.

    Third, know your competition.
    Check out similar merchandise in stores, flea markets and other places that sell jewelry like yours, and that target customers like the ones you want to target. How have they priced similar merchandise?

    Fourth, mark up and price your products so that you will make a sufficient profit.

    Sufficiency means that (a) you can buy replacement parts, (b) you can pay your overhead costs, (c) you can pay yourself, and (d) you can reinvest 5-10% of your earnings back into your business, such as expanding your inventory, or buying display fixtures and the like.

    Remember, it's always easier to lower a price, than raise a price. Customers smile at lower prices, but frown on raised prices.

    Some Formulas To Help You Price Your Pieces

    You need to write down this information:

    1) Cost of All Parts

    Use your ypical costs. If you got a good buy on some parts, don't use the discounted cost, unless this is going to become your ypical cost.

    2) Cost of your Labor

    Figure out what you would expect to make per hour if someone were paying you a salary. $10.00/hour is reasonable for a beginner. Determine on average, how many hours it takes to make the piece. Figure out the hours to the nearest quarter of an hour. That is, if you took 1 hour 6 minutes to make a piece, consider that 1 1/4 hours. The number of hours times the hourly rate is your cost of labor.

    3) Overhead costs (rent, electricity, consumable supplies, cost of travel to acquire your supplies, and the like).

    Assume your overhead costs equal an additional 25% of the total cost of parts plus the cost of labor.

    Now, compute your TOTAL COST:

    TOTAL COST = Cost of All Parts + Overhead + Labor

    It's always difficult to recoup your labor, that is, the amount of time you put into making a product. You usually have to discount your labor. Thus,

    TOTAL MINIMUM COST = Cost of All Parts + Overhead + (Labor * 0.0)
    TOTAL MAXIMUM COST = (Cost of All Parts + Overhead) * (1.5)

    (1.5 is a labor cost adjustment factor)

    If your parts costs $10.00 and labor cost $2.00, your overhead would cost an additional $3.00.

    Your TOTAL MINIMUM COST (where you have charged nothing for your labor) would then be $13.00.

    Your TOTAL MAXIMUM COST (where you have charged the maximum amount for your labor) would be $19.50.

    Now you have to translate your cost into a price.

    For jewelry, you want to price your items at least 2 times your Total Cost, and preferably 2.5 to 3.0 times your Total Cost. Too many people underprice their products.

    Don't be afraid to adequately price your products. Jewelry is typically marked up higher than other goods. There are many reasons for this. The cost of getting and maintaining an inventory of parts is high; you can't buy just 1 bead at a time as needed. Jewelry fashions change every 3-4 months, often radically, leaving you with some unsaleable stock.

    In our example above, if your product cost:

    $13.00 (Total Minimum Cost), it would be priced between $26.00 (2*cost) and $39.00 (3*cost)

    $19.50 (Total Maximum Cost), it would be priced between $39.00 (2*cost) and $58.50 (3*cost)

    Sit back and evaluate your situation. If you feel your target market won't pay at least, in this example, $26.00 for the finished product, you need to rethink. Either reduce your costs or redesign the product.

    YOUR PROFITS: Assuming your cost was $13.00 plus $2.00 labor, or $15.00, and you sold your item for $26.00, your profit would be $9.00. You would want to set aside between 25% and 50% of this profit for einvestment into your business. Thus, after you paid your labor ($2.00), bought replacement parts ($10.00), and paid all your associated overhead ($3.00), you would put between $2.25 and $4.50 towards purchasing additional things for your business, and the remainder in your business bank account.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    LAND OF ODDS - The South's Most Unusual Shop
    150 Second Avenue North, Ste. 110, Nashville, TN 37201
    PHONE: 615/254-4341, 726-1665
    FAX: 615/254-4341
    http://www.landofodds.com
    oddsian@landofodds.com

    In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.

    Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don't live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. The good news is you can take action to keep your report accurate. Here are the top five reasons why you should make a practice of regularly reviewing your credit report:

    Inaccuracies & Mixed Credit Files

    Many inaccuracies on a credit report can be the result of simple human error, and are therefore are not difficult to dispute. Of course, if you don't order your credit report, you might never know about it. Whether the inaccuracies relate to payments not credited, late payments, or data mixed in from the credit file of someone else with a name similar to yours, you will want to contact the credit bureau to dispute inaccurate information promptly. If you would like to get a free copy of your credit report right now, click here.

    Tracking Payments

    One of the most important elements of credit is a demonstrated history of on time payments. Once you send the check though, anything can happen--a delay in the payment being received can kick you over to a 30-day delinquency. If you call your creditor and explain the situation, they might adjust the information. Of course, if you don't read your credit report, you won't necessarily know which payments are being received and reported properly. If you would like to get a free copy of your credit report right now,click here.

    Identity Theft

    This issue alone is reason to order your credit report immediately. Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copy of your credit report, which will show you if there are accounts listed you know you haven't opened. For example, if a thief has intercepted a pre-approved credit card offer in your name and sent it in with a change of address, your credit report will include the account. If you would like to get a free copy of your credit report right now, click here.

    Inquiries

    If you're shopping around for a loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted as a negative by creditors. For this reason, too many inquiries can actually make getting credit more difficult. Moreover, if you didn't authorize someone to look at your credit report and they did, they may have broken the law. If you would like to see who's been looking at your credit, click hereto get a free copy of your credit report right now.

    Credit Fraud--Unauthorized Charges

    Credit fraud involves the theft of your credit card or account number to make unauthorized charges to your account. Though consumers are protected financially from this abuse, other creditors may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Ordering your credit report will help you catch new activity on accounts that you haven't been using, or may have closed. If you would like to get a free copy of your credit report right now,click here.

    When it comes to managing your credit worthiness, your credit report is your best resource. Ordering your credit report gives you the opportunity to manage your credit wisely today, while planning your credit strategy for achieving future goals--a credit-savvy move every consumer should make! click hereto get your credit report right now, for free!

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Reprint permission for any medium is granted only if all information below this notice, including the WWIO web site link and authors biography are included as written.

    In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.

    Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don't live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. The good news is you can take action to keep your report accurate. Here are the top five reasons why you should make a practice of regularly reviewing your credit report:

    Inaccuracies & Mixed Credit Files

    Many inaccuracies on a credit report can be the result of simple human error, and are therefore are not difficult to dispute. Of course, if you don't order your credit report, you might never know about it. Whether the inaccuracies relate to payments not credited, late payments, or data mixed in from the credit file of someone else with a name similar to yours, you will want to contact the credit bureau to dispute inaccurate information promptly. If you would like to get a free copy of your credit report right now, click here.

    Tracking Payments

    One of the most important elements of credit is a demonstrated history of on time payments. Once you send the check though, anything can happen--a delay in the payment being received can kick you over to a 30-day delinquency. If you call your creditor and explain the situation, they might adjust the information. Of course, if you don't read your credit report, you won't necessarily know which payments are being received and reported properly. If you would like to get a free copy of your credit report right now,click here.

    Identity Theft

    This issue alone is reason to order your credit report immediately. Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copy of your credit report, which will show you if there are accounts listed you know you haven't opened. For example, if a thief has intercepted a pre-approved credit card offer in your name and sent it in with a change of address, your credit report will include the account. If you would like to get a free copy of your credit report right now, click here.

    Inquiries

    If you're shopping around for a loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted as a negative by creditors. For this reason, too many inquiries can actually make getting credit more difficult. Moreover, if you didn't authorize someone to look at your credit report and they did, they may have broken the law. If you would like to see who's been looking at your credit, click hereto get a free copy of your credit report right now.

    Credit Fraud--Unauthorized Charges

    Credit fraud involves the theft of your credit card or account number to make unauthorized charges to your account. Though consumers are protected financially from this abuse, other creditors may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Ordering your credit report will help you catch new activity on accounts that you haven't been using, or may have closed. If you would like to get a free copy of your credit report right now,click here.

    When it comes to managing your credit worthiness, your credit report is your best resource. Ordering your credit report gives you the opportunity to manage your credit wisely today, while planning your credit strategy for achieving future goals--a credit-savvy move every consumer should make! click hereto get your credit report right now, for free!

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Reprint permission for any medium is granted only if all information below this notice, including the WWIO web site link and authors biography are included as written.

    I, (1), of (2), hereby appoint (3) of (4), as my attorney in fact to act in my capacity to do any and all of the following: (DESCRIBE THE EXTENT OF AUTHORITY YOU ARE GIVING TO YOUR ATTORNEY-IN-FACT) The rights, powers, and authority of my attorney in fact to exercise any and all of the rights and powers herein granted shall commence and be in full force and effect on (5), 19(6), and shall remain in full force and effect until (7) or unless specifically extended or rescinded earlier by either party. Dated (8), 19(9). SIGNED (10) STATE OF (11) COUNTY OF (12) BEFORE ME, the undersigned authority, on this (13) day of (14), 19(15), personally appeared (16) to me well known to be the person described in and who signed the Foregoing, and acknowledged to me that he executed the same freely and voluntarily for the uses and purposes therein expressed. WITNESS my hand and official seal the date aforesaid. (17) NOTARY PUBLIC My Commission Expires:(18) 1. Your full name
    2. County or city in which you reside
    3. Full name of person you appoint
    4. County or city in which they reside
    5. Day and month this becomes effective
    6. Year this becomes effective
    7. Last day, month and year this is effective
    8. Day and month in which you signed it
    9. The year in which you signed it
      10. Your full signature
    11. The state in which you reside
    12. The county in which you reside
    FILLED OUT BY NOTARY PUBLIC 13. Day you signed the form
    14. Month you signed the form
    15. Year you signed the form
    16. Your full name
    17. Notary Public signature
    18. Notary Public commission expiration date
    NOTICE

    The information in this document is designed to provide an outline that you can follow when formulating business or personal plans. Due to the variances of many local, city, county and state laws, we recommend that you seek professional legal counseling before entering into any contract or agreement.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Reprint permission for any medium is granted only if all information below this notice, including the WWIO web site link and authors biography are included as written.

    I, (1), of (2), hereby appoint (3) of (4), as my attorney in fact to act in my capacity to do any and all of the following: (DESCRIBE THE EXTENT OF AUTHORITY YOU ARE GIVING TO YOUR ATTORNEY-IN-FACT) The rights, powers, and authority of my attorney in fact to exercise any and all of the rights and powers herein granted shall commence and be in full force and effect on (5), 19(6), and shall remain in full force and effect until (7) or unless specifically extended or rescinded earlier by either party. Dated (8), 19(9). SIGNED (10) STATE OF (11) COUNTY OF (12) BEFORE ME, the undersigned authority, on this (13) day of (14), 19(15), personally appeared (16) to me well known to be the person described in and who signed the Foregoing, and acknowledged to me that he executed the same freely and voluntarily for the uses and purposes therein expressed. WITNESS my hand and official seal the date aforesaid. (17) NOTARY PUBLIC My Commission Expires:(18) 1. Your full name
    2. County or city in which you reside
    3. Full name of person you appoint
    4. County or city in which they reside
    5. Day and month this becomes effective
    6. Year this becomes effective
    7. Last day, month and year this is effective
    8. Day and month in which you signed it
    9. The year in which you signed it
      10. Your full signature
    11. The state in which you reside
    12. The county in which you reside
    FILLED OUT BY NOTARY PUBLIC 13. Day you signed the form
    14. Month you signed the form
    15. Year you signed the form
    16. Your full name
    17. Notary Public signature
    18. Notary Public commission expiration date
    NOTICE

    The information in this document is designed to provide an outline that you can follow when formulating business or personal plans. Due to the variances of many local, city, county and state laws, we recommend that you seek professional legal counseling before entering into any contract or agreement.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Reprint permission for any medium is granted only if all information below this notice, including the WWIO web site link and authors biography are included as written.

    You can, if you are ambitious, start a Mail Order Business selling collectibles to hobbyists. To begin, you must first find a hobby that appeals to you. Next, you must spend several weeks researching that hobby. You must learn what collectors want and how much they are willing to pay for it. You should also know what other dealers are willing to pay for the merchandise which they sell. And you must be willing to pay the same amounts.

    Perhaps you already know exactly what you want to sell. If you have been collecting old Valentines, then start a Mail Order business buying and selling old Valentines. Or stamps. Or comic books. The first rule of Mail Order Selling is to sell what you yourself would buy.

    To give you an idea of what collectors buy and sell by mail, here is a partial list of today's collectibles!

    Phonograph Records
    Cigar Labels
    License Plates
    Beer Labels
    Circus Posters
    Music Boxes
    Salt/Pepper Shakers
    Greeting Cards
    Old Pencils
    Atlases
    Military Medals
    Sheet Music
    Doll Clothes
    Gems, Minerals
    Belt Buckles
    Airplane Photos
    FBI Posters
    Automobile Manuals
    Antique Barbed Wire
    Old Jewelry
    Street Car Tokens
    Fruit Jar Labels
    Old Magazines
    Gun Catalogs
    Paper Currency
    Cartoon Books
    Theater Programs
    Political Buttons
    Baseball Cards
    Children's Books
    Stock Certificates
    Indian Relics
    Railroad Books
    Fishing Licenses
    Cigar Boxes
    Comic Books
    Old Calendars
    Postcards
    Arrowheads
    Railroad Passes
    Boat Photographs
    Advertising Cards
    Dog Pictures
    Movie Magazines
    Autographs
    Dolls
    Hunting Licenses
    Valentines
    Cookbooks
    Beatles Items
    Stamps
    Old Toys
    Menus
    Maps
    Thimbles
    Train Photos
    Newspapers
    Diaries
    Coins
    Buttons

    I would like to suggest that you send for sample copies of two magazines. They are read avidly by hobby dealers and hobby collectors alike:

    THE ANTIQUE TRADER WEEKLY
    Box 1050
    Dubuque, IA 52001
    THE COLLECTORS NEWS
    Box 156
    Grundy Center, IA 50638

    Each of these publications contain around 70 or 80 pages of ads from dealers and collectors. Almost every hobby publication, large or small, if listed within its pages.

    Once you have selected your field, start a file. Keep copies of all the ads selling your kind of merchandise. Also keep ads showing the dealers buying prices. If price lists are offered in ads, send for them and STUDY them. MAKE YOURSELF AN EXPERT IN YOUR FIELD.

    Try to locate any publication that deals with your field. Often, you can locate small mimeographed publications and newsletters which will give you all kinds of useful information.

    Your next step is to look for merchandise in your own community. Here are some suggestions:

  • Start by attending flea markets and antique shows. Don't be afraid to make inquiries of dealers. They often have what they consider junk stashed away, assuming that it isn't of much value to anyone. I once discovered a fabulous stamp collection that way!
  • Browse around through Thrift Shops.
  • Study the garage sale ads in your local newspaper. Visit any that sound promising. (Sometimes, it pays to telephone, they may be able to direct you to others who have exactly what you need!)
  • Place Wanted to Buy ads in your local Swapper's News, or your local newspaper. Be sure to list your phone number.
  • It is amazing what you can find in your local community if you work at it. However, if you can't find enough merchandise locally, run ads in the Collector's Magazines listed above. Their rates are very, very low. And you will soon discover that they are widely read!

    Once you have accumulated a decent stock of merchandise, you are ready to begin selling it. If there are publications specializing in your field, by all means advertise there. You have a ready-made audience! Also run ads in the big hobby magazines.

    Type up a list of what you have and have an Instant Printer make a hundred or so copies for you. Hobbyists don't mind typewritten, laser printer, or xerox copies - it's half the fun of collecting. Then run your ad. Your ad can merely offer your list to interested collectors free (or for a SASE, to weed out coupon clippers). Or you can offer to make a sale straight from the ad. If you do the latter, stick in your price list with the merchandise. It will be read...eagerly!

    Here are a few sample ads run by hobby dealers for your consideration:

    • Railroad Timetables, 1940's
      Four Different - $4.00 postpaid.
    • Old Children's Books and Texts.
      #10 SASE for List.
    • 85,000 Comic Books, Movie Magazines,
      Funnies, etc., 1900-1957. Catalog
      $1.00 (Refundable).
    • Original Movie Posters, Pressbooks,
      Stills, 1919-1975. Catalog - $.50
    • Sleigh Bells! SASE for list.

    Just in case you are not familiar with the phrase, SASE means Self-addressed, stamped envelope. As you progress, you will learn continually. Most hobby dealers will tell you that they learn more from the collectors who buy from them than they could ever learn from any other source.

    Below are some other hobby publications that may interest you. (At the time this article was written, these publicationswere available. However, we cannot guarantee that they are still in publication. There are several things you can do beforesending a letter or money to them. You can check your local library in the Index of Periodicals or a local book store may beable to verify current addresses for them. Good luck). You can write to these publications and request a sample copy. However, it would be a good idea to include postage when requesting copies from the publisher.

    HOBBIES
    1006 S. MICHIGAN AVE.
    CHICAGO, IL 60605

    THE AUTOGRAPH NEWS
    7540 S. MEMORIAL PARKWAY
    HUNTSVILLE, AL 35802

    WESTERN STAMP COLLECTOR
    BOX 10
    ALBANY, OR 97321

    COIN & STAMP TRADING NEWS
    BOX 11101
    SANTA ROSA, CA 95406

    STAMPS MAGAZINE
    153 WAVERLY PLACE
    NEW YORK, NY 10014

    LYNN'S WEEKLY STAMP NEWS
    BOX 29
    SIDNEY, OH 45365

    DOLL CASTLE NEWS
    BRASS CASTLE
    WASHINGTON, NJ 07882

    JESSIE'S HOMEMAKER
    731 BLUE BELL STREET
    FT. COLLINS, CO 80521

    CANADIAN HOBBY SHOPPER
    BOX 3382 - HALIFAX SOUTH, NS
    CANADA B3J 3J1

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    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    IN-HOUSE SOURCES

    Before you think about a list of prospective customer names, you should first create a database for current customers' names and develop a mailing list. (Remember, your current customers are most likely to respond to your future offers.)

    Finding the data to include on the customer portion of your mailing list can be fairly straightforward if you have your own in-house records. But even then you may have to develop more sources to obtain additional data about your customers.

    Here are some of the in-house records you can use to develop your customer database:

  • Sales Receipts/Invoices/Order Forms:

    These documents can give you the following information: date of last purchase, dates of all purchases over a period of time, and amount of money spent with you. You may also be able to determine what products/services were ordered from you. When using invoices to compile your customer list, be aware that in businesses they may be addressed to the Accounting Department rather than the individual/title most likely to purchase from you.

    Especially if your customers are businesses, they may use two addresses. One is the Ship-to address, where ordered items are sent. The other is the Bill-to or Mail-to address, where invoices and catalogs are sent. Make sure you're using the correct address every time you correspond with the customer.

  • Shipping Records:

    Shipping records can be an important source of customer names, particularly if your product is sold through a dealer or distributor, and you don't have direct access to customer order forms. Again, be aware that some customers may have different billing and shipping addresses.

  • Membership Lists:

    Every organization is sure to have a list of its members. If your organization has several membership categories, this information should be associated with the member name when you add it to your list.

  • Registration Forms:

    If your organization does not maintain a membership list, you may still be able to identify your customers from the registration forms and sign in sheets you use at your events. One approach to collecting names is to ask attendees to add their names to your mailing list.

  • Contest Entries:

    The entry forms for a sweepstakes, contest, or raffle can be used effectively to get the names of your customer. This approach might be most useful if your organization lacks customer records because you provide your product or service free of charge.

    OTHER SOURCES

    Sometimes, your own records don't hold enough information about your customers or members. You may have to rely on other sources to capture additional database information:

  • Warranty Cards:

    Warranty cards included in packages of merchandise can be an effective way to gather information about customers. On the card, you can request that the customer complete the demographic information and return it when he/she registers the product.

  • Surveys:

    Phone or mail surveys are another way to gather (and later update) information on your customer database.

    Phone surveys can be used in a number of different ways to collect database information. For example, you can call customers and administer full questionnaires to gather complete information about them. This can be a very costly way to collect data - especially for a large number of customer. Mail surveys (which will be discussed later) may be a better technique for this type of database information collection.

    Phone surveys are useful if you are updating or adding single fields to your database. You may avoid the phone cost altogether by asking a few short questions each time a customer calls in - to place an order, get a price quote, etc.

    Mail questionnaires can reach a larger number of customer at a lower cost than phone surveys. Mail questionnaires can be sent individually to customers. However, to save postage costs, surveys can also be inserted in mailings, included in packages of merchandise, or printed on any other correspondence with customers, such as invoices.

    If you have a store or office, you can also conduct surveys by having customers fill out questionnaire cards when they visit.

    Other sources you can use to build your list include:

    • point of purchase questionnaires.

    • membership application forms.

    • questions on purchase orders, statements, invoices.

    Your customer names are the core of your mailing list. This report has described some sources for collecting database information on current customers. You should consider every contact with a customer a potential source for collecting such information.

    After you collect this information, you need ways to initially get it into your database and then to regularly make sure it's current and accurate. (Out-of-date, inaccurate mailing lists waste money and reduce results.) Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    If you need an online database just email us and let us know. Database prices start at $99.

    This article may be used online or off line in publications as long as credit is given to World Wide Information Outlet in the above resource box.

    Opps! The link you followed may be inaccurate or outdated.NoneOpps! The link you followed may be inaccurate or outdated.NoneOpps! The link you followed may be inaccurate or outdated.NoneSmokers Beware!!Dr. Robert Osgoodby

    By now, most people are well aware that smoking causes lung cancer. Cigarettes, pipes, cigars, and chewing tobacco kill more than 434,000 Americans each year accounting for one out of five premature deaths in this country. Lung cancer is just the first in a long list of tobacco related illnesses:

    • Bladder Cancer - Smoking causes 40% of all cases of bladder cancer.

    • Breast Cancer - Women who smoke are 75% more likely to develop breast cancer.

    • Cervical Cancer - Up to one third of all cases of cervical cancer are directly attributable to smoking.

    • Childhood Respiratory Ailments - Children exposed to parents tobacco smoke have six times as many respiratory infections as kids of nonsmoking parents.

    • Diabetes - Smoking decreases the body's absorption of insulin.

    • Emphysema - Smoking accounts for up to 85% of all deaths attributable to emphysema.

    • Esophageal Cancer - Smoking accounts for 80% of all cases of esophageal cancer.

    • Gastrointestinal Cancer - Smoking at least doubles the risk of cancer of the stomach and duodenum.

    • Heart Disease - Smokers are up to four times more likely to develop cardiovascular disease than nonsmokers.

    • Infertility - Couples in which at least one member smokes are more than three times more likely to have trouble conceiving.

    • Kidney Cancer - Smoking causes 40% of all cases of kidney cancer.

    • Mouth Cancer - Tobacco causes the vast majority of all cancers of the mouth.

    • Premature Aging - Constant exposure to tobacco smoke prematurely wrinkles the facial skin and yellows the teeth and fingernails.

    • Stroke - Smoking doubles the risk of stroke among men and women.

    • Throat Cancer - The vast majority of cases of pharyngeal cancer are directly related to smoking.

    While smoking has officially been recognized as a cause of lung cancer, scientists have also confirmed another tobacco danger, that breathing the air containing someone else's smoke (second hand smoke) poses many of the same risk as smoking yourself.

    Doctors and Scientists have been reporting on the dangers of tobacco and smoking for nearly four decades. Many serious illnesses are directly attributed to smoking. If you want to live a longer, healthier life quit smoking today!

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    Dr. Osgoodby was a finalist in the EAS Body for Life Contest. Stop by his web page at http://bestbodyever.com to see his before and after pictures and subscribe to his monthly newsletter.

    Get Back to BasicsDr. Robert Osgoodby

    WARNING!! Always seek the advice of a Medical Doctor before starting, or making changes in your diet or exercise program.

    If you want to build a strong healthy body, proper nutrition is a keystone for your success. What constitutes proper nutrition? Great question! Unfortunately for John Q. Public, the greatest challenge is not a lack of information, but too much information. If you study the experts you will find endless contradictions and false conclusions that create uncertainty, and leave most people confused and clueless. We are in an information frenzy that makes it hard to know which way to turn.

    On any given day you can walk into a bookstore and find several books on the best-seller list, prescribing totally different solutions for proper nutrition. One expert tells you to cut out carbs, another tells you to eat more carbs, the next tells you to eat more protein, while another tells you to eat less protein.

    With this nightmare of mixed messages, no wonder why millions of people are left in the dark on which plan to follow. This month's newsletter is dedicated to share some basic fundamental truths for optimal nutrition for decreasing body fat percentage, increasing energy and building muscle. Let's get started.

  • Don't Starve Yourself - This is one of the most common misconceptions and mistakes most people trying to lose weight make. If your trying to shed fat, drastically decreasing your caloric intake in an effort to lose weight or get cut is almost as destructive to achieving your goals as eating large amounts of ice cream and fried foods for every meal! Studies show this type of dieting actually decreases your basal metabolic rate, which is the last thing you want to do if you are looking to lose weight and decrease your body fat percentage. On this type of diet, most of the weight you lose is not fat - it's lean body mass. You are actually keeping your fat and burning your muscle!

  • Eat At Least Four Meals A Day - By eating four to six small healthy meals a day, properly spaced, you will burn fat at a faster rate. The traditional hree square meals is antiquated advice that will slow down your metabolism and increase body fat storage. Studies have shown, eating four to six small meals a day promotes optimum food absorption, stable blood-sugar levels, and increases your metabolic rate. A meal can be as simple as a serving of fruit or vegetables, a small baked potato, a cup of yogurt, or a meal replacement shake.

  • Monitor Your Portion Sizes - Instead of worrying about what ratio of protein, carbohydrates and fat you should be eating, concentrate on portion control. Most people's focus has been distorted by the huge emphasis placed on cutting fat intake. Fat is a necessary component in a healthy diet. The fact is, most people just eat too much. A good rule of thumb is that a portion should be no larger than your clenched fist.

  • Design An Eating Schedule - Most people eat when it's convenient, not on a schedule. This type of behavior slows your metabolism and sabotages your body transformation efforts. To get optimum results, you should eat four to six small meals a day, spread three to four hours apart. Your initial reaction to this principle may be there is no way this can be incorporated into your busy schedule. With a little bit of pre-planning and commitment, it can be done. You can cook up to one week's worth of food on the weekend and refrigerate and freeze it. Broil your chicken breasts, put them in a food storage bag and throw them in the refrigerator. Make a huge salad! Take your Tupperware out of storage and pack several small meals to take to work with you. Another thing you can do is make sure your cupboards and refrigerator are overflowing with quality sources of protein, carbohydrates, fruits and vegetables. This will also help you stick to the plan and not cheat during the week.

  • Drink 8 To 10 Glasses Of Water A Day - Believe it or not, water actually helps you control your appetite. If you find that a portion of food has not satisfied your hunger, drinking a large glass of water will help alleviate those nagging hunger pangs. The vast majority of your body is comprised of water. Water is an essential transport vehicle for an array of nutrients, vitamins and minerals. It also helps eliminate waste products in your body including uric acid, ammonia, and toxins. Another misconception is that if you are retaining water, you should decrease your water consumption. This is just not true. One of the best ways to get rid of water, is to drink more water. Just like starving yourself decreases your basal metabolic rate, water retention is another example of your body's survival mechanism.

    If a golfer or football player's performance decreases, getting back to the basic fundamentals can help them regain their edge. The advice in this month's newsletter is simplistic and fundamental, but sometimes you have to go back to the basics to get back on track.

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    Dr. Osgoodby was a finalist in the EAS Body for Life Contest. Stop by his web page at http://bestbodyever.com to see his before and after pictures and subscribe to his monthly newsletter.

    Excuses, ExcusesDr. Robert Osgoodby

    WARNING!! Always seek the advice of a Medical Doctor before starting, or making changes in your diet or exercise program.

    In today's fast paced world, sometimes it can be challenging to find the time to get to the gym to workout. I am sure you have heard many people say, There just aren't enough hours in the day. The number one excuse for not training on a regular basis is not being able to find the time.

    Ninety nine percent of all excuses are not valid! If you are serious about getting in shape, if it is a top priority, nothing will get in the way of you achieving your goal. If you want something bad enough, it is amazing what you will do to get it. Here are a few things you can do to eliminate the I don't have time excuse.

  • Get up an hour earlier, or stay up an hour later. Dedicate this extra hour of time to training and achieving your fitness goals. Fact: Most people spend more time sleeping than they need to. Eight or nine hours of sleep can be great, but by no means necessary to maintain your health and let you feel good.

    Personally, I find it easier and more effective to get up an hour earlier and train first thing in the morning for two reasons. Training first thing in the morning increases your metabolism and keeps you burning calories at an increased rate throughout the day. Another great reason to train first thing is to eliminate the possibility of procrastination and blowing off a workout. By the end of the day, the last thing in the world you want to do after a long day of work and responsibility is workout. Getting your training in first thing will also increase your energy level and make you feel good about yourself. It gives you a sense of accomplishment which will help you tackle the rest of your day and insane schedule with a smile.

    I am sure that at least one morning person reading this said to themselves, Get up an hour earlier, he must be out of his mind! Even if you get up half an hour earlier, this equates to three and a half hours of exercise time a week that you didn't have before. With only investing a half hour a day, you can get quick, noticeable results.

  • Put together a home exercise program for those days you just can't get to the gym. For about $150.00, you can buy some dumbbells, a bench, and a floor mat for abdominal training. Although you can not get as thorough a workout as you could in a health club - it's better than nothing! Herschel Walker, a pro football player, has one of the best physiques around and he has never touched a weight! His workout consists of push-ups, sit-ups, and cardiovascular exercise. You can get great results sticking to the basics. Remember, consistency and intensity are your key ingredients for success.

    If money is an issue and you can't afford to buy the equipment mentioned above, all you need is a VCR. There are hundreds of great video tapes designed for toning, weight loss and fat burning. If you don't want to go to a gym, this allows you to exercise in the privacy and comfort of your own home.

    All exercise video tapes are designed with music as a background. Music is a powerful tool when it comes to exercise. It lifts your spirits and increases your enthusiasm. Music also takes your mind off the clock and makes your workouts seem to go faster.

    Exercise to music that you enjoy. If you like music from the 50's, 60's and 70's, Richard Simmons Sweating To The Oldies, or Cory Everson's Step In Time are great beginner level programs. If you like martial arts and self defense, purchase a tae bo tape.

    If you are in decent shape, semi-coordinated and like today's dance music, you can choose from several of MTV's The Grind Workout Hip Hop Aerobics, Paula Abdul's, Get Up And Dance, Milo Levell's Hip Hop Body Shop, Kathy Smith's Latin Rhythm Workout, or Christy Lane's Funky Freestyle Dancing.

    If you have two left feet like me, you will quickly be able to master Denise Austin's Xtralite Beginner's Aerobics.

    All of these tapes and hundreds more are available for sale at most music and major department stores. If you want to check out a tape before you buy it, most of these video tapes can also be rented at your local video store.

    Incorporating these simple principles into your daily routine will make it much easier for you to stick to the program, improve your health, and move closer to your fitness goals.

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    Dr. Osgoodby was a finalist in the EAS Body for Life Contest. Stop by his web page at http://bestbodyever.com to see his before and after pictures and subscribe to his monthly newsletter.

    Avoiding The Common MistakesDr. Robert Osgoodby

    WARNING!! Always seek the advice of a Medical Doctor before starting, or making changes in your diet or exercise program.

    On any given day, you can walk into any gym and find well-intentioned, but frustrated members. No matter what exercise program they try, they can't seem to achieve their goals. Some have gotten positive results for awhile, but have flatlined and just can't seem to get off a plateau. If you are serious enough to dedicate your valuable time to improve your health and appearance, then make it count and get the maximum return from the time you are investing. If you avoid the following common mistakes, you will have a much better chance of building the physique you desire.

  • Too Much Time Between Sets - Most people socialize far too much in the gym. If you want to socialize at the gym, do it after you finish your workout. Make your lips the last muscle group you train. Unless you are a powerlifter, you should never let the muscle group fully recover between sets. A good rule of thumb for minor exercises (ex. bicep curls, calf raises, tricep extensions) is 60 seconds of rest between sets. For major exercises like squats, 90-120 seconds may be necessary.

  • Trying To Reduce Fat In A Certain Area - I know men who do endless sit-ups to burn the fat in their abdominal area to get that six pack of abs and get rid of those love handles. I receive e-mail from women who want to get rid of unwanted fat in their legs, rear-end and arms, and think the solution is increased weight training for that particular body part. You can not spot reduce bodyfat. To get positive results, you need to reduce your bodyfat throughout your entire body. You can not pick and choose. To reach your goals you need a balanced program of weight training, proper diet and cardiovascular exercise. As you decrease your overall bodyfat percentage, your problem areas will improve.

  • To Gain Size And Muscularity, You Must Stick With Free Weights - This is a common misconception. Barbells and dumbbells are a staple for increasing muscularity, but by all means complement them with machines. Machines and cable exercises allow you to specifically concentrate on certain areas of a muscle group, and significantly decrease your risk of injury.

  • Rushing Through A Set - A classic example that comes to mind is the young novice trying to show off on the bench press. With no form, rhyme or reason, he bounces the weight off his chest fast and furiously. Other than increasing your chances of injury, this serves no purpose. By slowing down the pace and concentrating on muscle contraction and form, you will get the maximum return from your weight training and significantly decrease your chances of injury.

  • Doing The Same Old Routine - One of the main reasons people plateau is they do not shake things up a little. By doing the same thing day after day, your muscles adapt to the routine and you will stop making gains. Mix things up by adding in new exercises, switching exercise order, and varying the amount of weight and the number of repetitions in a set. Changing your routine will shock your muscle groups and help prevent stagnation.

  • More Is Better - For a large muscle group like your chest, you may do 12 sets to muscle failure. If you train your triceps after chest, they are already pre-fatigued from your chest exercises. All you really need is 6-9 sets to properly finish off your triceps. Two or three exercises, three sets each is plenty. Anything more is over training which increases your chances of injury and slows your progress.

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    Dr. Osgoodby was a finalist in the EAS Body for Life Contest. Stop by his web page at http://bestbodyever.com to see his before and after pictures and subscribe to his monthly newsletter.

    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/herself, 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/her deal with his/her 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/her own smoking behavior, he will be able to cope more successfully and select the best quitting approaches for himself/herself 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/her body may eventually be able to restore itself almost completely.

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    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, assenble them in a suitable, labeled box (such as a fishing tackle box or small tool 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/she has swallowed poison or if his/her 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/her from further danger. Keep the patient lying down and quiet. If he/she has vomited and there is no danger that his/her neck is broken, turn him/her on his/her side to prevent choking and keep him/her warn by covering him/her 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 fear and panic of the patient.

    Don't give fluids to an unconscious or semi conscious person; fluids may enter his/her 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.

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    What is Good HealthThomas Eldridge

    There are many ideas, and opinions, on what constitutes good health, orwhat a meaningfully healthy lifestyle feels like or looks like. It could besaid that health should be a natural condition, or at least a consistent stateof well being. But what is this natural condition? There are some peoplewho accept pain and discomfort in the body as a necessary part of living. This pain is considered to be a motivator, something for the body to fightagainst. They accept this condition because they observe that there areso many people with health complaints and so few people free of problems. It is even taken for granted today that dying of a degenerative disease isacceptable if the person had led a 'good life'.

    My parents both died of cancerous type diseases. I seem to be the onlyone who is not saying, but they 'lived a full life'. Keep in mind that I amthe one nobody can understand. I am not quite the black sheep. I am thedifferent one who stopped eating sugar thirty years ago. No one couldunderstand why I would go to so much trouble to read food product labelstrying to find something that did not contain sugar. Today it is manytimes worse because of all the sugar substitutes in our food products. If Iwere reading labels today I would choose sugar before the sugar substitutes ifI had no other choice. My choice today is to not buy any processed foodproducts. I believe that my continuing good health depends on me makingmy own food from simple organic ingredients. I seldom read food labelsthese days because I buy very little with a label on it.

    Is good health some sort of perfection? In homeopathy good health issaid to manifest when a person's vital force is being expressed by perfectfunctioning of all parts of the body and by a sense of general wellbeing. This holistic approach to health states that nature, of which we are animportant part, has a constant tendency toward what is best for it. This vital force of nature reaches its masterpiece in the human body and thehuman consciousness. Harvey Diamond in his part of the book Fit forLife II: Living Health states that humans are constructed for health andhappiness. Life on earth lived in its ultimate achievement is aconstant and unshakeable zest for well being and enthusiasm, says Diamond. I havea lot of respect for the diet that the Diamonds recommended. It still isan excellent diet for cleansing out toxins. I am not a great fan of beingall that you can be, going for it all or pursuing excellence as a lifestyle. To me this is a short road to burn out and premature grey hair. I wasunconsciously going for it all in my younger years. I worked very hard. I cannot say that I experienced good health or happiness back then.

    If we wanted this 'ultimate achievement' of good health our goal would beto reach old age and maturity without aches and pains, to be well-balancedand spared emotional traumas and stress-related illnesses. To have zest forlife we would wish to be like the beaming, healthy-looking 90-year-oldsfeatured in vegetarian magazine articles. Working out at the fitnessclub at 91 years of age could demonstrate the principle that the bestcondition for the body is resilience and flexibility. To take up piano lessons at83 years might demonstrate an absence of constricting contractions in bodyand mind. The problem is that we tend to extrapolate these stories intobelieving that this example of 'good health' is the best way to go. Pushing yourself into the gym when you are exhausted and should be resting isnot good health.

    It seems apparent to me that for millions of years people lived in somesort of harmony with the natural forces of nature. Good health was some sortof consistent state of being. Otherwise, how would we be here? If we werealways in poor health for millions of years I cannot see how we wouldhave survived. A long time ago the dinosaurs disappeared suddenly. Todayspecies of plants and animals are becoming extinct at an acceleratingrate. Throughout history at least some of us must have maintained aninstinctive natural knowledge about how to live healthily enough to allow our speciesto continue. How we are doing today is a mute question. Are we going tocontinue to survive or is our current acceptance of sub-marginal healtha sign of something?

    Perhaps it is time to take a look at what this instinctive naturalknowledge of good health might look like in our modern culture. I feel that it isnot that much different than it has been for millions of years. This'knowledge' probably includes simple things like sunshine, pure water,sleeping when the sun sets, relying on wholesome foods from nature,having daily alone time in the outdoors and living physically active lives incommunities of loving supportive people.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Thomas Eldridge is the founder and director of The Center for Highly Sensitive People. The motto of the Center is 'Sensitivities are a Blessing, Not a Weakness'. You can find more information at http://www.thomaseldridge.com. If you enjoyed this article you can go to http://www.thomaseldridge.com/email.htm and subscribe to a weekly email newsletter of similar articles. You can contact the author directly at thomas@thomaseldridge.com.

    Alzheimer's Disease is the term used to describe a dementing disorder marked by certain brain changes, regardless of the age of onset. Alzheimer's disease is not a normal part of aging - - and it is not something that inevitable happens in later life. Rather, it is one of the dementing disorders, a group of brain diseases that lead to the loss of mental and physical functions. The disorder, whole cause is unknown, affects a small but significant percentage of older Americans. A very small minority of alzheimer's patients are under 50 years of age. However, most are over 65.

    Alzheimer's disease is the exception, rather than the rule, in old age. Only 5 to 6 percent of older people are afflicted by alzheimer's disease or a related dementia - - but this means approximately 3 to 4 million Americans have one of these debilitating disorders. Research indicates that 1 percent of the population aged 65-75 has severe dementia, increasing to 7 percent of those aged 75-85 and to 25 percent of those 85 or older. As out population ages and the number of alzheimer's patients increases, costs of care will rise as well.

    Although Alzheimer's disease is not yet curable or reversible, there are ways to alleviate symptoms and suffering and to assist families. And not every person with this illness must necessarily move to a nursing home. Many thousands of patients - - especially those in the early stages of the disease - - are cared for by their families in the community. Indeed, one of the most important aspects of medical management is family education and family support services. When, or whether, to transfer a patient to a nursing home is a decision to be carefully considered by the family.

    The onset of Alzheimer's disease is usually very slow and gradual, seldom occurring before age 65. Over time, however, it follows a progressively more serious course. Among the symptoms that typically develop, none is unique to Alzheimer's disease at its various stages. It is therefore essential for suspicious changes to be thoroughly evaluated before they become inappropriately or negligently labeled Alzheimer's disease.

    Problems of memory, particularly recent or short-term memory, are common early in the course of the disease. For example, the individual may, on repeated occasions, forget to turn off the iron or may not recall which of the morning's medicines were taken. Mild personality changes, such as less spontaneity or a sense of apathy and a tendency to withdraw from social interactions, may occur early in the illness. As the disease progresses, problems in abstract thinking or in intellectual functioning develop. You may notice the individual beginning to have trouble with figures when working on bills, with understanding what is being read, or with organizing the days work. Further disturbances in behavior and appearance may also be seen at this point, such as agitation, irritability, quarrelsomeness, and diminishing ability to dress appropriately.

    The average course of the disease from the time it is recognized to death is about 6 to 8 years, but it may range from under 2 years to over 20 years. Those who develop the disorder later in life may die from other illnesses (such as heart disease) before Alzheimer's disease reaches its final and most serious stage.

    The reaction of an individual to the illness and the way he or she copes with it also varies and may depend on such factors as lifelong personality patterns and the nature and severity of the stress in the immediate environment.

    As research on Alzheimer's disease continues, scientists are now describing other abnormal chemical changes associated with the disease. These include nerve cell degeneration in certain areas of the brain. Also, defects in certain blood vessels supplying blood to the brain have been studied as a possible contributing factor.

    There is no way at the present time to determine who may get Alzheimer's disease. The main risk factor for the disease is increased age. The rates of the disease increase markedly with advancing age, with 25 percent of people over 85 suffering from Alzheimer's or other sever dementia.

    Other things often noticeable may be depression, severe uneasiness, and paranoia or delusions that accompany or result from the disease, but they can often be alleviated by appropriate treatments.

    Alzheimer's disease has emerged as one of the great mysteries in modern day medicine, with a growing number of clues but still no answers as to its cause. Researchers have come up with a number of theories about the cause of this disease but so far the mystery remains unresolved.

    Because of the many other disorders that are often confused with Alzheimer's disease, a comprehensive clinical evaluation is essential to arrive at a correct diagnosis of any symptoms that look similar to those of Alzheimer's disease. In most cases, the family physician can be consulted about the best way to get the necessary examinations.

    Stress on the family can take a toll on both the patient and the caregiver alike. Caregivers are usually family members - - either spouses or children - - and usually wives and daughters. As time passes and the burden mounts, it not only places the mental health of family caregivers at risk. It also diminishes their ability to provide care to the diseased patient. Hence, assistance to the family as a whole must be considered.

    As the disease progresses, families experience increasing anxiety and pain at seeing unsettling changes in a loved one, and they commonly feel guilt over not being able to do enough. The prevalence of reactive depression among family members in this situation is disturbingly high - - caregivers are chronically stressed and are much more likely to suffer from depression than the average person. If caregivers have been forced to retire from positions outside the home. They feel progressively more isolated and no longer productive members of society.

    The likelihood, intensity, and duration of depression among caregivers can all be lowered through available interventions. For example, to the extent that family members can offer emotional support to each other and perhaps seek professional consultation, they will be better prepared to help their loved one manage the illness and to recognize the limits of what they themselves can reasonably do.

    Though Alzheimer's disease cannot at present be cured, reversed, or stopped in its progression, much can be done to help both the patient and the family live through the course of the illness with greater dignity and less discomfort. Toward this goal, appropriate clinical interventions and community services should be vigorously sought.

    While Alzheimer's disease remains a mystery, with its cause and cure not yet found, there is considerable excitement and hope about new findings that are unfolding in numerous research settings. The connecting pieces to the puzzle called Alzheimer's disease continue to be found.

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    DepressionJoan-Marie Moss

    If you're not suffering from depression yourself, chances are that anywhere from 15 to 50 of every hundred people you know are. It is an insidious illness that sucks an individual further and further into a state of impotence and at the same time impacts the well-being of everyone who comes in contact with him/her. The numbers offered here are somewhat ambiguous because depression is only recently recognized as a real illness and not a figment of one's imagination.

    Diane, who has been suffering from depression for more than eleven years, is one of those who are willing to talk about her illness. She says, Most people are still very much surprised that I admit and am willing to talk openly about my depression. There is still a stigma associated with the disease. People still don't understand. For this reason, we won't use real names in this article although the people who shared their stories are very real.

    Incidences of this illness are staggering. An estimated 10-14 million Americans suffer from depression, according to a recent article in the Alliance for the Mentally Ill publication. Other estimates range as high as 35-40 million.

    No one is immune from an attack of depression. Keep in mind that everyone feels down or lue at times. That's normal. But it's been estimated that 26 out of 100 women and 12 out of every 100 men will have a major depressive episode at least once in their lives. For creative individuals the estimate increases to 38 out of 100.

    Statistics can be deceiving and any attempt to quantify this disease could be challenged. Particularly since, according to the Alliance for Mentally Ill, we're talking about those who are only now beginning to and seek help -- 80 % of those suffering from depression never seek treatment and suffer needlessly.

    DuPage County is not immune. In fact, Dr. Martin Russo, a physician working with Central DuPage Hospital with offices in Bloomingdale, reports that easily forty to fifty percent of his patients are suffering from depression. Social workers and doctors throughout the county report similar statistics.

    For this article only the most conservative numbers will be used. The indication, then, is that at least 150 out of every thousand suffer from this debilitating disease. In DuPage County, Illinois that translates to more than of 132,000 -- in Elmhurst, approximately 6,300 people -- live with some level of depression.

    THE HUMAN FACTOR

    Sondra Dodds at Family Service DuPage in Wheaton, IL says that those who are depressed often feel isolated and alone, different and unusual, misunderstood by family and friends, powerless and defeated. Many also feel the need to hide their real feelings, even from those they love. Those who are more willing to share their experiences share many common experiences although each case is dramatically different.

    They share a common bond. They live in a no-man's land that's sapping the community of its most valuable resource...competent contributing citizens. They don't choose to live there. And they can't will to get out of there without help.

    An insidious disease, depression is multi-faceted. The onset and the symptoms of depression are not always the same. Frequently depression is an outward manifestation of undetected physical illnesses such as cancer.

    For some the disease can be traced to low self esteem; for others to excessive drain on their physical health and energy or chronic illnesses; for others to abnormally high levels of stress-related life experiences; for others realization that life is passing them by and their goals will never be reached.

    In all instances the illness points to imbalances: physical, mental and spiritual. A depressive illness is a whole-body illness involving your body, mood, thoughts and behavior. It's not just a passing bout with he blues. You cannot will or wish it away.

    Rose had frightening bouts with burning sensation in all parts of her body. It was as if her stomach, head, nerves were all aflame. Katherine began to withdraw from friends and acquaintances.

    One Elmhurst resident tells of his experiences, I felt helpless and unable to cope with every day stresses. I saw myself as worthless as a part of the community I worked for. Frequently I entertained thoughts that my family would be better off if I just disappeared or died. I knew I was on a self destruct kick...ignoring my health, setting myself up for failure in my job and getting myself in no- win situations. The harder I tried, the worse things got in my life. I saw myself reacting to even the simplest setbacks with uncontrollable rage.

    Anna, who has been treated both in and out of the hospital for depression said, Over the years, I've seen a big change in the people who are suffering depression. They're getting much younger now and they are filled with anger.

    Some deal with the constant sensation that they are ot connected with the rest of the world and unimportant. For yet others, the illness may just hover at the point where there's a gnawing stomach ache and the constant knowledge that something just isn't right. Nearly all report that their level of productivity fell dramatically. Many find that they just can't attend to the task at hand. In the worst case scenario, suicide seems to offer the only way out.

    The bad news is depression renders a person unable to cope adequately with life events and, frequently, it goes undiagnosed for months -- even years -- because the victim generally blames him or herself for uncontrollable problems and their inability to function in a reasonable manner. It's a vicious downward spiral that sucks its victim into a hopeless pit of despair.

    IMPACT ON THE COMMUNITY

    While many manage to function at some level of competence, their difficulties connecting and attending to task often limit them to minimum-wage positions although they may, under normal circumstances, be highly competent workers.

    Heddi reports that her income dropped from nearly $3,000 per month to less than $800 a month while she was working much longer hours. A significant number of others have found themselves homeless. Evidence of this can be seen at the DuPage PADS site, where a striking number of clients are middle-management professionals who have lost their jobs.

    The June 1995 county reports indicate that there are just over 884,000 people in DuPage County. Of those, the Labor force in DuPage numbers 492,169. If we calculate just 15% of those and figured that 73,800 people lost just $10,000 in earnings during the course of a year due to depression we're talking about the kind of losses that would be considered intolerable in business.

    It's a vicious cycle. Stress, illness or financial difficulties strike sapping the individual and breeding a sense of hopelessness which aggravates the situation. Meanwhile, the sufferer must cope with others who are frequently equally depressed and stressed with their own problems. At the same time they have to deal with others who haven't the foggiest clue about what severe depression does to a person. In all cases misunderstanding and the inability to communicate the real pain lead to further hopelessness.

    Stress continues to build in today's society where people dealing with stressful situations attempt to find solutions. When people dealing with any kind of stress or depression try to resolve difficulties or get answers to problems and get trapped into voice mail and mechanical phone menus or are put on waiting lists. When they feel treated like number, taken advantage of or overwhelmed constantly by circumstances they can't change, depression mounts.

    In a society where both parents in a dual income family may hold down two or more jobs just to keep the bills paid, a person's value is equated with how much money they bring into the household rather than unconditional love and appreciation. One, or both, can slip easily into depression. The situation is much worse for single heads of households.

    Barbara Hayes, a Family Service DuPage Licensed Clinical Social Worker, believes that ole strain is a major contributing factor in the higher incidence of depression in women. Not only are women parenting or grandparenting a younger generation, while, frequently caring for elderly parents; but, they are also required to cope with the challenges of maintaining a certain level of career growth in an uncertain economy -- frequently as sole support of their entire family structure. To meet the demands of each of these roles, a woman must maintain an exterior facade of strength. For many there is precious little time for attending to personal needs. All too frequently, functioning on far too little sleep and nutritious food, they cave in.

    Meanwhile, the media, particularly women's magazines, focus on introspection, self analysis, poise and youthful figures, mounting anxiety, anger and insecurities. At the same time they juxtapose these weaknesses that turn us inward upon ourselves, with idealistic reports of the affluent life that many of the population will never achieve.

    IT'S NOT A CASE OF BUZZ WORDS

    Depression is not a new disease of the 20th century. Sufferers are among the elite. Abraham Lincoln, Winston Churchill, Edgar Allen Poe, Mike Wallace, Joan Rivers and Dick Cavett are among the many who have been afflicted.

    Indications are that those who are more sensitive, creative and intelligent are more prone to suffering from depression. One study performed in the '80s found that 38% of 47 writers, poets and artists had taken medication, sought psychoanalysis or had been institutionalized for depression and bi-polar disorder. Another study performed in the 80's showed that more creative people suffered from emotional strife synonymous with certain neurosis. (Time-Life Books, 1992)

    THE GOOD NEWS

    Although the problem appears to be hopeless, there is good news. If you're going to have an illness, you want it to be depression. It's the most easily treatable.

    The afflicted needs to work at getting back in balance. Professional counseling, support groups and the medical profession are learning to work together to speed recovery.

    The medication is a critical aspect of treatment. The new drugs are marvelous even with the occasional discomfort of side effects. They work to re-balance the synapses that are responsible for the transmission of brain impulses.

    Social workers and psychiatrists, too are much more skilled at identifying symptoms today than ever. Group counseling, support groups and crisis lines are more accessible. There's help and information out there for those who have the courage and determination to find it.

    Much of the work, says Barbara Hayes, a licensed clinical social worker who oversees a 12-session group that's been running throughout the summer at Family Service DuPage, focuses on teaching cognitive reasoning techniques. Those who participate in this therapy learn to evaluate the validity of their thought processes and to recognize distorted thinking patterns. Then they learn to restructure their thought processes more positively and realistically. It's a sort of de-programming that allows individuals to discover that there are other ways to look at one's life experiences. Hayes has found this kind of therapy most productive when participants have the appropriate medical support. She assures her patients that using medication is not wimping out. Trying to pull yourself out of depression without the proper medical attention just doesn't work, she says. It's like a diabetic telling his pancreas to shoot insulin into his system, she says.

    Unfortunately current health care programs, both private insurance and public aid, put unrealistic limits on treatment. All too often they cut short coverage long before the patient is able to cope without the medication and psychological support. When this happens they hamstring the health care providers, said Rose. It's not at all uncommon for these programs to cut off the payment for medication and counseling sessions just about the time a patient starts to show some progress and before the patient is sufficiently recovered. The only recourse in cases like that, short of going cold turkey, is to get on a waiting list for services that are offered on a sliding scale fee. All too often the patient is not financially able to handle that.

    Fortunately it's the patient who does the real work of recovery. Those who discover that they control of their own destiny have the greatest hope of recovery. They can then learn how to maintain balance in their lives and their habits. They practice being less compulsive nurturers. They begin to trust themselves and be a bit more open with others. They learn to maintain a childlike attitude of gratitude and wonderment. And, they learn to be less sensitive to outside turmoil.

    One of the key ingredients to healing lies in getting away from introspection and self-centeredness and to reach out to others. Those who have been afflicted and have made the most progress typically have found ways to give of themselves to others less fortunate or to share their unique talents with the community...the challenge being that a person who is severely depressed has great difficulty breaking through his/her feelings of isolation.

    One group of women developed a phone network that they said was particularly helpful. One of the women is dealing with a pregnant teenager, another with a financial problems, a third with the death of a mother and a fourth with an overbearing aging mother. These women discovered that being able to pick up the phone and connect with someone who they knew would understand helped to speed recovery. In short order, often a matter of minutes, they managed to break the downward spiral of day-to-day crises. These calls provided the ladies a life-line that they turn to before the crisis could escalate. Most often within a very few minutes, they found they could put the experience into perspective and they'd find themselves laughing. And therein they found a cure, because you simply can't be depressed and laugh at the same time.

    Dr. Russo's findings confirm that depression is indeed a multi-factorial disease that encompasses genetic, biological and environmental factors. He voices the concerns of many when he says, The reason that depression is so pervasive is that society is losing its sense of security and moral fiber in both the family and in the community. As it's losing its fiber we're losing our sense of purpose and personal value. At the same time we need to look at the spiritual component that gives us a sense of wholeness and peace when looking for solutions.

    Those who understand depression agree, with Heddi, I need people, but I need people that I can be myself with. And, I need to find a way to make sense out of the madness I face every day I walk out my front door. When things get off balance, I need to make some changes. Alone I can't do it.

    NOTE: Although most of the quotes here are those of women, the situation is far from a woman's problem. Women are simply more susceptible to depression. Role strain is a factor, according to Barbara Hayes. We are more aware of depression than we were in the past, but there are more stresses in society today for women to fulfill multiple roles. They make very heavy demands upon themselves. Women traditionally are the nurturers and very often in the process of nurturing others they forget to nurture themselves....as a result, at some point, people just start caving in.

    The experts tell us that women today suffer twice as much depression as men. While one in four women can expect to develop depression during their lifetime, one in eight men can, too.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    JOAN-MARIE MOSS is a non-fiction author published in both national and regional markets. She specializes in business communications and public relations for businesses and professionals. She serves as consultant and communications/public relations specialist offering a full range of services from writing to desktop publishing and public speaking. Joan-Marie teaches Business Writing, Copyediting and Public Relations at Oakton Community college and has been guest speaker on WWCN and WDCB Radio. She currently writes for the Daily Herald and Press Publications, and is working on her second book.

    Visit her web site at: http://cyberrealm.net/
    ~joanmari/CreativeOptions/Welcome.html

    Natural CyclesSamten Williams, B.S.N., R.N.

    The top income, the best job title: these markers are no longer the standard of success. So reports CNBC's show Power Lunch recently. This show reviewed results of a survey indicating the top priority for business school graduates now is a balance between family life and work.

    Natural cycles awareness helps us get on the balanced-life track. This month we look at one part of natural timing, the retrograde motion of planets.

    As viewed from earth, the planets sometimes appear to be traveling backward. This backward travel, called retrograde motion, is a phenomena recognized in both astronomy and astrology.

    Retrograde motions are about patience. They are times when our plans to go forward are halted. Retrograde periods are times to bring play and family into the forefront of our lives. During retrograde periods we are reworking plans. We are going backward to get something we overlooked -- an idea, an opportunity. These kinds of creative discoveries are best realized through the spontaneity of play and the supportive comfort of family and friends.

    Mercury, one of the planets in our solar system, goes retrograde three times a year. Energetically, Mercury is associated with communication, technology, and things which are mechanical. Retrograde periods of Mercury are the times when miscommunications, delays, or technical and mechanical challenges seem prevalent.

    Just picture it: energy is trying to go backward and we are trying to go forward. Something has to give. You can guess it is not going to be the planet that gives, in this case Mercury. The planet is going to go it's way. We can either be aggravated, impatient, frustrated. Or, we can stop and reassess.

    With knowledge of Mercury retrograde periods we can stop personalizing delays. We can start cushioning expectations, knowing we can only go so far when the motion is not forward. We can take the pressure off of over-work and bring in a little play.

    Mercury turned retrograde on April 14. On May 8 1997, Mercury turns in a forward motion again. The point where Mercury turned retrograde on April 14 is called a station. Mercury passes this station on May 26. For the three week period when Mercury is retrograde one may expect natural delays and possible communication, technological or mechanical challenges. When Mercury turns direct on May 8 these matters start to clear up. When Mercury passes it's station on May 26 one can expect forward motion in the areas of communication and technology.

    We have another retrograde energy we are dealing with now, Mars retrograde. Mars is the planet of drive and initiative. Many people have been experiencing delays in their work and the forward motion of projects.

    On February 6 of this year Mars turned retrograde. Mars turns direct on April 29. On July 2, Mars passes it's station, the point where it turned retrograde in early February. During this Mars retrograde period we have the opportunity to come to a deeper sense of what energizes us -- what we want. As plans are delayed we keep refining them. After April 29, and especially after July 2, we will start to feel forward momentum again. This motion forward is in the areas of our personal power within business and relationships.

    How can planetary motion possibly affect my business? is a question I am sure some readers will ask. The new physics teaches us gravity is not the only force in nature. Through electromagnetism and strong and weak forces the new physics tells us that everything in nature is interconnected. As above, so below.

    Paying attention to the information of natural cycles helps us feel part of, rather than separate from, the fluid movement of energy. We can move with the natural clock, rather than against it. Check out the events of your life in relation to the dates mentioned above. See if there are links. If you do not see a match, that is fine, too. No one world view is for everyone.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Samten Williams, B.S.N. R.N., is a nurse journalist and astrologer. Through hercompany FRESH PERSPECTIVES she offers writings, consultations, andworkshops on the applications of astrology for intuitive living. She can bereached at P.O. Box 76 Boxford MA 01921
    http://www.shore.net/~samten
    samten@shore.net

    What You Should Know About LeadSheila Saucier

    Lead, the toxic metal known to be harmful to man, has been sneakingunoticed into the bloodstreams of millions of Americans over many years.It seeps insidiously into our water risking the lives of our unborn and ourchildren, often going unnoticed until it's too late. It enters our homeson the feet of every occupant, picked up from the soil outside. It can cover the work clothes of mechanics, plumbers, lead smelter workers, and other high risk occupations. The same clothes that we wash along with our children's clothes, unknowingly endangering them.

    Lead is an invisible enemy, often in the form of simple dust thatenters our home. Dust that can be both inhaled or ingested especially by young children who tend to put everything in their mouths.

    In other words lead poisoning is still a very real threat present inour environment, damaging the brains and nervous system of many of it's victims, the majority of which are children.

    Of great concern is our water supply. The EPA (EnvironmentalProtection Agency) estimates that about forty two million Americans use household water that contains unsafe levels of lead. Precisely, levels in excess of 15 ppb (parts per billion), which is the highest recommended safety level. However, there is no truly safe level of lead, because it does not belong in the human body, and it does not leave our bodies once it has entered. Instead, it is stored just like calcium and other minerals in the bone matter where it continues to build up over our lifetime.

    It's no wonder that as many as one out of eleven children in theUnited States have dangerously high levels of lead in their bloodstream according to the EPA. Some other sources suggest this number is as great as one in eight children!

    As hard as this is to believe, the facts are very real. Lead isdecreasing the I.Q.'s of many young victims, creating learningdisabilities, such as speech and behavior problems, not to mention hearing loss, muscular coordination problems, and much more.

    The American Academy of Pediatrics recommends that regular leadscreening should be done on children up to age six, with the first testdone between six to twelve months of age. However, it has been my personalexperience that Pediatricians are not routinely checking for lead inchildren. Certainly none have ever suggested it to me, and my childrenhave seen a dozen different Pediatrician's over the years.

    It appears that few people really believe their families are at riskand feel their homes are safe. The reality is however, that your home's water probably does contain lead in some amount, and in fact, an estimated 10 million children receive significantly high amounts of lead in theirdrinking water in our country every day.

    Following are some other common sources of lead.

  • bone china
  • crystal
  • painted surfaces
  • brass faucets
  • painted toys
  • antique pewter
  • foreign made crayons
  • ammunition, pellets
  • chalk
  • fruits
  • air
  • water
  • porcelain
  • earthenware
  • plastic mini-blinds
  • solder
  • stained glass
  • storage batteries
  • gasoline additives
  • water pipe corrosion
  • water pipe solder
  • vegetables
  • soil
  • dust

    Today experts regard soldering as the major cause of lead contamination ofhousehold water in U.S. homes. New brass faucets and fittings can alsoleach lead during corrosion, even though they claim to be lead free.

    It's sad to note that the newer the home, the greater the risk of leadcontamination. Why? Because normally, as time passes, mineral depositsform a coating on the inside of water pipes, (if the water is not corrosive.) This coating insulates the water from the lead-containing solder present. But during the first five years, before the coating forms, water is in direct contact with the lead and carries it into your home.

    Some recent studies suggest that food is our main source of adulthuman exposure with as much as 60% of total ingested lead coming from the food we eat, air inhalation accounting for 30%, and water for 10%.

    Children, pregnant women, and calcium deficient individuals are in thegreatest risk group for lead toxicity. What's frightening to realize isthat dangerously high levels of lead do not necessarily present any symptoms in children. So it's no surprise few Physicians or parents ever suspect lead toxicity in their children.

    It's also interesting to note that many of the symptoms of ADHD,(Attention Deficit Hyperactivity Disorder), mimic those of lead toxicity.I can't help but wonder how many children diagnosed with this disease mayactually be lead toxic instead. Take a look at the symptoms that may ormay not present themselves.

    In children:

  • fatigue
  • crankiness
  • hyperactivity
  • convulsions
  • restlessness
  • headaches
  • insomnia
  • stupor
  • constipation
     
  • poor appetite
  • behavior and learning problems
  • brain and nervous system damage
  • slowed growth
  • earing and speech problems
  • nausea/vomiting
  • abdominal pain
  • anemia
  • lack of muscular coordination

      In adults:
  • difficulty during pregnancy, such as miscarriage, etc.
  • reproductive problems (men and women)
  • high blood pressure
  • digestive problems
  • nerve disorders
  • anemia
  • muscle and joint pain
  • memory and concentration problems

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Copyright © 1997 by Sheila Blythe-Saucier. Founder and owner of Safety Net-Child Safety Consultants, Sheila Blythe-Saucier is in the business of protecting children from the hazards that exist in their homes and communities. An R.N. for the last 20 years, Sheila extensively researched and authored a child safety book, which lead to the development of her business. Through a home inspection covering over 600 hazards commonly found in and around homes with young children, parents receive an education on protecting their kids fully, in a few hours time.

    Live a Longer and Healthier LifeHerlan Westra

    An unexpected research finding with great practical significance isthat experimental animals live longer with much lower rates of diseasewhen they consume less than the recommended daily allowance of calories.The finding is unexpected because we associate less-than-optimalnutrition with poor growth and health, and common sense tells us that wedo better if we are well nourished. In fact, most of us may beovernourished, and too much of a good thing may be doing us harm.

    An adequate diet is one that provides not only enough calories butalso all of the nutrients necessary for efficient metabolism without anyexcesses that promote disease. What constitutes a good diet is a matterof controversy, and much of the controversy is based on emotion ratherthan reason.

    An average person needs less than 2,000 calories daily, with 300 to400 of the calories coming from fat. Present labeling laws are helpfulin determining your caloric intake, but maintaining your weight orlosing weight is much more complicated. The FDA supports two ways todiet: increase exercise and decrease the intake of food.

    Dieting Can Make You Fat

    That's it? The secret to a long and healthy life is diet andexercise? Not really! Metabolism slows down during a diet, and the bodyburns fewer calories, causing more fat to be stored as a protectionagainst extended famine. When the food supply is restored, themetabolism is slow to respond, and the body stores even more fat. Inhumans, this yo-yo phenomenon is harmful - starvation diets simply foolthe body into starting a famine cycle. Once the diet is over, we areback to where we started, or worse.

    Granted, exercise programs help keep the metabolism active, but mostof us are about as committed to our exercise programs as we are to ourdiets. We fall off the exercise program at the same time we end thediet, increasing the yo-yo effect. Then how should we combine dietingand exercise into a healthy life?

    First we need to modify our diets, lowering caloric content withoutgreatly reducing the amount or the appeal of food we consume. The bestway of lowering caloric content is by cutting the fat content in ourdiets. Fat has almost twice as many calories per gram as protein andcarbohydrate.

    Second we need to restrict caloric intake either by fasting or byeating a limited diet one day a week. Our body's metabolism will notreact quick enough to begin a famine cycle during a one-day diet.Fasting should include plenty of liquids, with enough fruit juices tomaintain a minimum caloric intake. When fasting, reduce the intake ofsupplemental vitamins and minerals, as some supplements may become toxicif not consumed with adequate amounts of food.

    Vitamin Supplements

    Our bodies don't benefit from the food we eat, but rather by what isdigested, assimilated and eliminated. The food is taken in, broken intosmaller and smaller parts until it can be absorbed and the by-productsdiscarded. Enzymes digest all of our food and make it small enough topass through the intestines into the blood. Enzymes are a part of everymetabolic process in the body, from the working of our glands to theproper functioning of our immune system. Enzymes require vitamins andminerals to do their work.

    Many manufactured vitamin and mineral supplements, because they arefractionated (broken down into basic elements), are treated as toxicwaste in the body. Some minerals in an unnatural form can accumulate andcause harmful effects. Fortunately, many commercial vitamin and mineralsupplements are so badly formulated that they pass right through ourdigestive systems without breaking down and being absorbed.Unfortunately, we haven't received the benefit that we paid for.

    Many people are now using all-natural herbal forms of vitamin andmineral supplements. Because these are in a natural form, they are moreeasily absorbed than manufactured supplements. They are also much lessconcentrated than manufactured supplements, and so are often safer.However, it is always best to consult with your personal physicianbefore taking any nutritional supplement.

    The proper supplements, combined with proper diet and exercise, canhelp you live a longer and healthier life.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Herlan Westra is the editor of Rhode Island Foghorn OnlineMagazine, which provides information and entertainment for a rapidly-growing audience nationwide. Herlan welcomes suggestions for future articles.

    WHAT is Too Fat?Teresa King

    In this day and age, it seems that more and more women and young teensare starving themselves to be in the current skinny mode. Why is thishappening?

    In this overly commercially orientated world, with skinny models all overthe world, and people trying to emulate that look. I am quite sure it started withTwiggy, in the 1960's. I think Twiggy was smart. She looked at her skinny littleframe and realized that she was not like most girls, so instead of hiding herselfshe flaunted it.

    Hence, comes skinniness, and billions of dollars are spent each yearwhile women, young and old, try to stay thin.

    Health is going down hill. Years ago women had a bit of meat on theirbones and were beautiful. Now, they have dry skin. No extra energy. And, in myopinion look like skeletons.

    It is one thing, to keep yourself, in shape, by exercising and keepingyourself toned up. It is quite another when you are starving your body, and robbing itof proper nutrients.

    One thing that a lot of people are not aware of is what happens when youdon't eat enough calories. Your body, a wonderful machine, was built for starvingtimes and feasting time, as food was scarce sometimes and abundant at others. So,when you don't feed your body, your metabolism says oh, dear, here comesstarving times. And, it promptly slows down. Hence, starving and slow weightloss. So what does a person do. He/she eats less calories, and on goes the cycle.

    Now we come to the Yoyo syndrome heavy, thin, heavy thin, heavy thin,and guess what happens? It gets harder to get the weight off each time. Whyis that? Because your body is confused. I was starved, I must slow down. I amgetting fed, I must store for starving times. Hence the Yoyo syndrome.

    Now, what is too fat? Too fat is when you are carrying too much fat, andit is hard to move. Hard to breath. Too fat is not because at 5'4 inches you weigh 140lbs, and the Twiggy friend weighs 115lbs. Each person has a different bonestructure and some people have more muscle than others. And, yes, muscle weighs morethan fat. Hence a person at 140 lbs may actually have less fat then a personwho is the same height at 115 lbs.

    If after reading this you still think you are too fat. Or, if you arereally too fat. Then the best diet is to exercise, cut down on junk food. Eat healthy foodssuch as fruits and veggies, whole grains, etc. Drink lots of water. Do not STARVEyourself. Try to get off hydrogenated fats. (And, this will take some reading. You will besurprised how much hydrogenated fats are in packaged foods) your body needs oil,just like a car. It is just some oils are better for you then others. Hydrogenatedfats are not needed.

    Think build health. Get proper vitamins (all natural are best!) In thisday and age there is no way you can get the vitamins you need in the food you areeating. Unless, you watch every single bite, and read a tremendous amount ofliterature to learn and do so, plus growing your own food, so you know where it iscoming from. Do not go hungry. If you want to lose weight don't stuff yourself. Eatfrequent small meals, so you never get those out of control binges that low blood sugarcauses. So, there you have it in a nutshell.

    As you build your health you can smile at that mirror and accept yourrosy cheeks, glossy shiny hair, soft skin, and an amazing abundance of energy. So whatif you weigh more than you think you should. You are you. Accept yourself. Goodluck!

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.

    Copyright Teresa King
    Visit Teresa's site at: Tips for Top E-books



    Human Growth Hormone: Fountain of Youth or the Same Old Hype?Dr. John H. Maher and Dr. Bruce Howe

    In this day and age, it seems that more and more women and young teensare starving themselves to be in the current skinny mode. Why is thishappening?

    In this overly commercially orientated world, with skinny models all overthe world, and people trying to emulate that look. I am quite sure it started withTwiggy, in the 1960's. I think Twiggy was smart. She looked at her skinny littleframe and realized that she was not like most girls, so instead of hiding herselfshe flaunted it.

    (A Brief Guide to Hgh Enhancement Supplements, the Current Rage inAnti-Aging, Longevity, Building Lean Body Mass, and Rejuvenating SexualPotency.)

    What if you had a natural and safe product with clinically provenresults in the battle against aging? What if you could reverse aging? Looking,feeling, and performing 10, even 20 years younger?

    What if you could burn fat without dieting or exercising; increase yourmuscle mass without exercise; improve your sexual drive and performance;enhance your athletic performance and endurance; have younger, tighter,thicker skin; eliminate cellulite; dramatically support truly refreshingdeep sleep; build stronger bones; alleviate menopause and maleandropause; improve your cholesterol and triglyceride profiles;strengthen your heart while lowering blood pressure; even improve yourhair growth and texture; improve mood, memory and concentration; strengthenyour immune system; and likely add years to your life?

    Well... with human growth hormone (Hgh) enhancements you can. Over28,000 medical studies say you can!

    Indeed, a 10 year study just completed in June 1998 for the NationalInstitute of Aging state the results with human growth hormone, alsoknown as Hgh, are too good to be true!

    What is Hgh?

    Nestled in the center of our heads there sits a rather tiny but verypowerful gland called the pituitary gland. Hgh is one of 7 hormonessecreted by the pituitary. Growth hormone, like thyroid hormone, hasan effect on almost all our tissues and organs. As the name implies, itenhances the growth of various organs and tissues, especially muscle andbone. Basically, human growth hormone increases protein synthesis. Proteins are the major building block out of which our body is made. Normal secretion of Hgh occurs in a daily cycle, like a tide. It varieswith exercise, sleep, stress and nutrition.

    Why Does Hgh Enhancement Help?

    As we hit middle age, there is a natural decline in hormone production,not only of Hgh, but estrogen, progesterone, DHEA, androstenedione, andtestosterone. With advancing age, an increase in the incidence ofosteoporosis, heart disease, diabetes, mood and memory disorders, lossof libido, , etc. occurs. Also, central obesity increases and musclesshrink. Scientific studies are demonstrating a causal relationship between thedecline in hormone levels and an increased incidence of theaforementioned conditions. The exciting development is that by replacing thesehormones, these developments can actually be reversed. Hormone replacement forestrogen, thyroid and now progesterone are commonplace. Is Hgh next?

    What's the Downside?

    Hgh was only used for children with certain growth disorders until themid 1980's. It was extremely expensive, as the only source was humancadavers!

    Then recombinant DNA technology made it possible to engineer bacteriato produce Hgh. Still it cost about $200 to $300 per week to buy suchrecombinant Hgh! Plus, you need frequent blood tests, costing $100 pluseach time to monitor the proper dosage. And you have to give yourselfshots twice a day, though these are more inconvenient than painful.

    There is some debate as to whether Hgh shots might stimulate cancer. Proponents counter that Hgh actually builds the immune system, thereforelikely helping to prevent cancer. The informed consensus opinion atthis time seems to be that those with cancer should not take Hgh as it mightstimulate cancer growth too!

    Another concern is that Hgh shots, as with any hormone replacementtherapy regularly taken, tend to inhibit our own natural production. So, if youstop, you could really crash, having become dependent on an outsidesource of Hgh.

    In Part II, we will continue our discussion on human growth hormone.

    We will present information on natural Hgh secretagogues, a safer and much more affordable way to benefit from Hgh enhancements. And we willdiscuss ways to optimize your Hgh levels with nutrition, exercise, restand stress reduction.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Dr. John H. Maher
    Dr. Bruce Howe

    Longevity Resources Int'l. is dedicated to providing you with thecutting edge in natural health products, scientific information, andprofessional guidance with quality, service, convenience, and economy, guaranteed!

    FREE Longevity News e-zine. http://www.galaxymall.com/health/lri

    Human Growth Hormone: Fountain of Youth or the Same Old Hype? Part 2Dr. John H. Maher and Dr. Bruce Howe

    Natural Human Growth Hormone Enhancements: the Hgh Secretagogues

    Fortunately, for anti-aging enthusiasts, there are a variety of naturaloral Hgh enhancers that are much less expensive. Because they support,not replace, pituitary gland function, they don't shut down your ownnatural production. These are called secretagogues because they coaxor support your own glands to secrete their own hormones, not replace them.

    Which Secretagogues Are Best?

    As the oral Hgh enhancers (secretagogues) hit the market, caveatemptor! (buyer beware!) Most marketers will quote study results from Hghinjections and then claim them for their product! Here are 4 importantquestions to ask:

  • Has the Hgh product been independently lab tested, proving itraises IGF-1 by 50% or more on average? (IGF-1 stands for insulin like growthfactor and is the accepted way to measure Hgh response to oralsupplements and injections.) Were the studies conducted by a M.D. with expertcredential in anti-aging?

  • Has the Hgh anti-aging product been utilized by scores of doctorsfor several years to insure safety and effectiveness?

  • Are there testimonials not only from lay persons, but from M.D.'sfrom major universities with credentials in anti-aging medicine.

  • Does the Hgh enhancing product cost more than $2 per day? (Itshouldn't!)

    My general opinion is to avoid legumes or bean based secretagogues asthey may increase estrogen. Oral recombinant Hgh sprays and drops are veryeffective, but too expensive, and too new to know about safety. Plusyou don't support your own production with oral recombinant Hgh, rather youare replacing it. Generally, combinations of amino acids like glutamine,arginine, orthinine ,lysine, flush free niacin and herbs are best. Pickproducts that have been used safely for at least several years, provento increase IGF-1 levels by 50% or more, have endorsements from wellcredentialed authorities, and cost less that $60/month.

    Do I Need To See A Doctor First?

    My personal opinion is that anyone serious about anti-aging should havea professional anti-aging health coach. Unfortunately, medical anti-agingclinics with Hgh injections cost about $20,000 per year, cash! Doctorslike myself who try to make available more modest longevity programs tofit to the middle class budget are rare indeed. Generally however, the moreover 40 you look, feel, and perform, the more likely you could probablybenefit from high quality, proven safe and effective Hgh secretagoguesas described herein. But be careful. You don't have too be much of anentrepreneur to figure out that youth in a bottle is a marketer's dream.Buyer beware!

    How You Can I Enhance Your Hgh Levels Naturally

    As you may recall from Part I, Hgh levels are affected by stress, restpatterns, nutrition and exercise.

    Stressful lifestyles tend to focus the body on producing stress hormoneslike cortisol and ACTH . Too much stress hormone actually breakdownsmuscle tissue, inhibits repair, and interferes with sleep. If a long, vital,and happy life is on your busy agenda, then make fun, rest, play, and quiettimes a priority!

    Hgh levels are strongly effected by our nutritional status. In theinfirm elderly Hgh levels have doubled from admittedly very low levels bysupplementing with 20 grams of protein from whey. Correcting suboptimalzinc status in otherwise apparently healthy subjects increased Hghlevels by 20%. As human growth hormone's effect is to stimulate growth, it willmaximize your results if you supply yourself with the necessary proteinand mineral building blocks through a nutrient dense diet. A high qualitymulti- vitamin/mineral, rich in anti-oxidants, is also to your health'sadvantage.

    Exercise stimulates Hgh by reducing stress and promoting restful sleep.

    However, weight lifting and to a lesser extent running wind sprints,directly enhances Hgh levels. Heavy weight lifting, like dead lifts,squats, and bench presses are the best. Performing 5 to 8 reps, 3 sets,at maximum effort is best.

    Unless very experienced, be sure to get guidance from a trainer at yourgym or home.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Dr. John H. Maher
    Dr. Bruce Howe

    Longevity Resources Int'l. is dedicated to providing you with thecutting edge in natural health products, scientific information, andprofessional guidance with quality, service, convenience, and economy, guaranteed!

    FREE Longevity News e-zine. http://www.galaxymall.com/health/lri

    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. It is said that if you do something for 21 days it will become a habit. You and you alone are the one who has the power to lose unwanted pounds.

    Think Like a Winner

    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.

    Learning New Skills

    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 now 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.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.


    BABIES CPRDave Burns

    As some of you may have noticed, Babies are not built to the same specifications as adults and children. To begin with, they are a lot softer, and they seem to have no necks! This makes the ABC of resuscitation slightly different.

    To begin with, lay the infant on a hardsurface that is within your reach. The floor is a long way down. Use a table, orsideboard. Open the airway by tilting the head very slightly back, not as far as youwould with an adult. Check the breathing in the normal way, but be aware that a babybreathes faster than an adult or child, and you may not see chest movement.

    Hopefully the baby is breathing, if so, instead of laying them down in the recoveryposition as you would for an adult or child, Pick them up and hold them, with the headslightly lower than the rest of the body, and the back to your chest.

    If there is no breathing present, you need to give some air. Cover both nose and mouth with your mouth and give a small puff. (Imagine blowing out a candle). Do this 5 times, not 2 as with adults. Now check for signs of pulse.

    Being smaller and softer, using the pulse in the neckcan do damage to a baby, Therefore we check the pulse in the upper arm. Place the flat of3 fingers on the inside of the upper arm, and the thumb on the outside. Using a lightpressure you should then feel the brachial pulse. Is there a pulse present? Is it morethan 60 per min? If yes, carry on giving air and get help fast. If the pulse isless than 60, assume no pulse and give chest compressions. Again, there is a differencehere. First, the pressure point is about one finger below the nipple line. Just use 2fingers, and depress the chest about 1/3rd of the chest depth five timesthen give one breath and continue at 5 compressions to one breath. (This mustbe on a firm surface or the pressure will not go where needed). The chances ofresuscitating a baby successfully are higher than that of an adult, if you do not panic!

    For more information, Call your local Red Cross and ask about training. You willbe surprised at how cheap and easy it is to learn how to save lives.

    DISCLAIMER:
    First aid is not a subject that can be learned from books or articles. To become a true first aider you need to undertake proper training that will give you the opportunity to practice in a safe and controlled environment. Neither I as the author or the World Wide Information Outlet can or will be held responsible for anything that happens as a result of this article. Having said that, when a life is at stake, you should at least try. Under the 'good samaritan' law, provided your intention was to do good, nobody can touch you for it!

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    I am a Trainer with the British Red Cross. I am currently based at Shrewsbury, Shropshire in the UK. And have been training now for 7 years.

    Most of the time is fun, but as any trainer will tell you, it all depends on your class. There is always one that knows it all, and one who just cannot grasp what you are saying.

    I think that a trainer always needs to keep on top of what is happening, and adapt their courses to the students needs. It is also good to meet and chat to other trainers to get new ideas and perspectives. This is the reason for this area.

    Your ideas and comments would be most welcome.

    Email me at dave@burns.enta.net or visit http://www.burns.enta.net



    Where Diets Go WrongNora Penia

    Strictly speaking, diets don't fail, people fail to stick with a diet. Following any reduced calorie diet will result in weight loss. The problem is sticking with it. Unfortunately, most diets have built-in failures which trip up the dieter.

    Diets go wrong by being too restrictive.

    Many conventional diets demand a fairly low calorie intakein order to lose weight. They are based on a fairly simpleconcept: in order to lose weight one must eat less.Although true, for people who have a large amount of weightto lose, reducing their usual daily intake by 1000 - 2000calories a day is a depressing task. Such dieters feeldeprived before even starting a new diet.

    Even for people with small amounts to lose, cutting theirusual intake from 2200 or 2500 to 1200 calories, can be ashock to the system. A quick glance at any womens magazinereveals at least one sample menu for weight loss. Uponcomparison, the amounts of food seem very small and usuallyinclude uninteresting foods such as yogurt, cottage cheeseand chicken breasts.

    Diets go wrong by requiring the dieter to change the type of food eaten.

    Humans are creatures of habit and usually eat the same foodsover and over. Granted, overweight folks are eating toomuch of the wrong foods. But, in an effort to promote eatinga variety of healthy foods, conventional diets suggest newdishes which often include exotic and hard to find foods orjust plain boring foods. Using a sample weeks menu of mealscan result in buying unusual ingredients, using a smallamount for one recipe, then often wasting the rest.

    Diets go wrong by making it difficult to eat.

    Most diets suggest using fresh foods, cooked from scratch athome. This requires more meal planning, shopping andpreparation time. Its easier and quicker to rely on fastfood or convenience foods. The drawback with fast food isin controlling exactly what is eaten since the ingredientsare not easily known. Even with the new improved labeling onconvenience foods, theres no guarantee the totals at theend of the day will be within healthy ranges. And who hasthe time to keep track?

    But trying to eat less and prepare strange new dishes can bediscouraging. New recipes can take longer to prepare,making it tempting to revert to old eating patterns andsimply give up. Eating at a favorite restaurant or at socialgatherings is difficult at best. The required food is notavailable and making substitutions is tricky.

    Diets go wrong by feeling like a punishment.

    Diets require the reduced intake of food, cutting outfavorite foods, learning to like new foods, spending moretime planning and preparing food. All these changes canmake the dieter feel punished by the very process which issupposed to improve life.

    However, people usually approach a diet with the attitude:this is just until I lose x number pounds. This is wherepeople fail diets. Any change required to lose weight willneed to continue after the pounds are gone. When dietersrevert to old habits, the weight creeps back on.

    Diets go wrong by creating a repeated failure record.

    Every time a dieter fails at a diet, stops trying andreturns to old eating habits, the chances of succeeding atthe next attempt is reduced. The dieter becomes fatalisticabout the possibility of ever losing weight.

    How to win the diet battle?

    The real answer to the shortcomings of diets seems to be:eat the foods you are accustomed to, but reduce the amountof everything eaten. Rather than learning new ways ofcooking, suffering through painful shopping trips for foodyou dont like, spending hours cooking and tracking theamounts eaten, simply fill your plate as usual, put part ofit back and eat the rest with a clear conscience.

    A reduction of only 500 calories a day will result in aweight loss of one pound a week which adds up over time.(When was the last time you lost 52 pounds a year?) Thisapproach automatically cuts the amount of fat consumed aswell as reducing the intake of sodium, sugar andconcentrated calories such as meat and carbohydrates.

    So, rather than put yourself on a diet,' make moderatechanges. Omit one large snack or dessert, and all secondhelpings each day. Eat a little less meat and high fatfoods. Add a salad or extra serving of skinny vegetablesevery day, (you know which ones.) Go for a walk aftersupper. Give it time.

    And, never say diet again.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Nora Penia is an educator and writer. She has written one novel, as yet unpublished, and for over two years has written for her own online magazine entitled At the Fence, Relationships and Parenting.



    Storage and Handling of IvoryM. Springate

    Strictly speaking, diets don't fail, people fail to stick with a diet. Following any reduced calorie diet will result in weight loss. The problem is sticking with it. Unfortunately, most diets have built-in failures which trip up the dieter.

    Diets go wrong by being too restrictive.

    Many conventional diets demand a fairly low calorie intakein order to lose weight. They are based on a fairly simpleconcept: in order to lose weight one must eat less.Although true, for people who have a large amount of weightto lose, reducing their usual daily intake by 1000 - 2000calories a day is a depressing task. Such dieters feeldeprived before even starting a new diet.

    Even for people with small amounts to lose, cutting theirusual intake from 2200 or 2500 to 1200 calories, can be ashock to the system. A quick glance at any womens magazinereveals at least one sample menu for weight loss. Uponcomparison, the amounts of food seem very small and usuallyinclude uninteresting foods such as yogurt, cottage cheeseand chicken breasts.

    Diets go wrong by requiring the dieter to change the type of food eaten.

    Humans are creatures of habit and usually eat the same foodsover and over. Granted, overweight folks are eating toomuch of the wrong foods. But, in an effort to promote eatinga variety of healthy foods, conventional diets suggest newdishes which often include exotic and hard to find foods orjust plain boring foods. Using a sample weeks menu of mealscan result in buying unusual ingredients, using a smallamount for one recipe, then often wasting the rest.

    Diets go wrong by making it difficult to eat.

    Most diets suggest using fresh foods, cooked from scratch athome. This requires more meal planning, shopping andpreparation time. Its easier and quicker to rely on fastfood or convenience foods. The drawback with fast food isin controlling exactly what is eaten since the ingredientsare not easily known. Even with the new improved labeling onconvenience foods, theres no guarantee the totals at theend of the day will be within healthy ranges. And who hasthe time to keep track?

    But trying to eat less and prepare strange new dishes can bediscouraging. New recipes can take longer to prepare,making it tempting to revert to old eating patterns andsimply give up. Eating at a favorite restaurant or at socialgatherings is difficult at best. The required food is notavailable and making substitutions is tricky.

    Diets go wrong by feeling like a punishment.

    Diets require the reduced intake of food, cutting outfavorite foods, learning to like new foods, spending moretime planning and preparing food. All these changes canmake the dieter feel punished by the very process which issupposed to improve life.

    However, people usually approach a diet with the attitude:this is just until I lose x number pounds. This is wherepeople fail diets. Any change required to lose weight willneed to continue after the pounds are gone. When dietersrevert to old habits, the weight creeps back on.

    Diets go wrong by creating a repeated failure record.

    Every time a dieter fails at a diet, stops trying andreturns to old eating habits, the chances of succeeding atthe next attempt is reduced. The dieter becomes fatalisticabout the possibility of ever losing weight.

    How to win the diet battle?

    The real answer to the shortcomings of diets seems to be:eat the foods you are accustomed to, but reduce the amountof everything eaten. Rather than learning new ways ofcooking, suffering through painful shopping trips for foodyou dont like, spending hours cooking and tracking theamounts eaten, simply fill your plate as usual, put part ofit back and eat the rest with a clear conscience.

    A reduction of only 500 calories a day will result in aweight loss of one pound a week which adds up over time.(When was the last time you lost 52 pounds a year?) Thisapproach automatically cuts the amount of fat consumed aswell as reducing the intake of sodium, sugar andconcentrated calories such as meat and carbohydrates.

    So, rather than put yourself on a diet,' make moderatechanges. Omit one large snack or dessert, and all secondhelpings each day. Eat a little less meat and high fatfoods. Add a salad or extra serving of skinny vegetablesevery day, (you know which ones.) Go for a walk aftersupper. Give it time.

    And, never say diet again.

    Brought to you by: World Wide Information Outlet - http://certificate.net/wwio/, your source of FREEWare Content online.
    Nora Penia is an educator and writer. She has written one novel, as yet unpublished, and for over two years has written for her own online magazine entitled At the Fence, Relationships and Parenting.



    The 6 Ps of Professional CraftingPenny Stewart

    Strictly speaking, diets don't fail, people fail to stick with a diet. Following any reduced calorie diet will result in weight loss. The problem is sticking with it. Unfortunately, most diets have built-in failures which trip up the dieter.

    Diets go wrong by being too restrictive.

    Many conventional diets demand a fairly low calorie intakein order to lose weight. They are based on a fairly simpleconcept: in order to lose weight one must eat less.Although true, for people who have a large amount of weightto lose, reducing their usual daily intake by 1000 - 2000calories a day is a depressing task. Such dieters feeldeprived before even starting a new diet.

    Even for people with small amounts to lose, cutting theirusual intake from 2200 or 2500 to 1200 calories, can be ashock to the system. A quick glance at any womens magazinereveals at least one sample menu for weight loss. Uponcomparison, the amounts of food seem very small and usuallyinclude uninteresting foods such as yogurt, cottage cheeseand chicken breasts.

    Diets go wrong by requiring the dieter to change the type of food eaten.

    Humans are creatures of habit and usually eat the same foodsover and over. Granted, overweight folks are eating toomuch of the wrong foods. But, in an effort to promote eatinga variety of healthy foods, conventional diets suggest newdishes which often include exotic and hard to find foods orjust plain boring foods. Using a sample weeks menu of mealscan result in buying unusual ingredients, using a smallamount for one recipe, then often wasting the rest.

    Diets go wrong by making it difficult to eat.

    Most diets suggest using fresh foods, cooked from scratch athome. This requires more meal planning, shopping andpreparation time. Its easier and quicker to rely on fastfood or convenience foods. The drawback with fast food isin controlling exactly what is eaten since the ingredientsare not easily known. Even with the new improved labeling onconvenience foods, theres no guarantee the totals at theend of the day will be within healthy ranges. And who hasthe time to keep track?

    But trying to eat less and prepare strange new dishes can bediscouraging. New recipes can take longer to prepare,making it tempting to revert to old eating patterns andsimply give up. Eating at a favorite restaurant or at socialgatherings is difficult at best. The required food is notavailable and making substitutions is tricky.

    Diets go wrong by feeling like a punishment.

    Diets require the reduced intake of food, cutting outfavorite foods, learning to like new foods, spending moretime planning and preparing food. All these changes canmake the dieter feel punished by the very process which issupposed to improve life.

    However, people usually approach a diet with the attitude:this is just until I lose x number pounds. This is wherepeople fail diets. Any change required to lose weight willneed to continue after the pounds are gone. When dietersrevert to old habits, the weight creeps back on.

    Diets go wrong by creating a repeated failure record.

    Every time a dieter fails at a diet, stops trying andreturns to old eating habits, the chances of succeeding atthe next attempt is reduced. The dieter becomes fatalisticabout the possibility of ever losing weight.

    How to win the diet battle?

    The real answer to the shortcomings of diets seems to be:eat the foods you are accustomed to, but reduce the amountof everything eaten. Rather than learning new ways ofcooking, suffering through painful shopping trips for foodyou dont like, spending hours cooking and tracking theamounts eaten, simply fill your plate as usual, put part ofit back and eat the rest with a clear conscience.

    A reduction of only 500 calories a day will result in aweight loss of one pound a week which adds up over time.(When was the last time you lost 52 pounds a year?) Thisapproach automatically cuts the amount of fat consumed aswell as reducing the intake of sodium, sugar andconcentrated calories such as meat and carbohydrates.

    So, rather than put yourself on a diet,' make moderatechanges. Omit one large snack or dessert, and all secondhelpings each day. Eat a little less meat and high fatfoods. Add a salad or extra serving of skinny vegetablesevery day, (you know which ones.) Go for a walk aftersupper. Give it time.

    And, never say diet again.

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    Nora Penia is an educator and writer. She has written one novel, as yet unpublished, and for over two years has written for her own online magazine entitled At the Fence, Relationships and Parenting.




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