Real Estate Transfer Taxes Overlooked Sale or Purchase Expense

A real estate transfer tax is a one-time tax paid at the closing of a property, and is considered a stream of revenue for state budgets. This transfer tax though, once collected is not generally used for housing-related purposes. The tax is based on the value of a property as agreed to by the parties in a real estate contract.

In the excitement of selling or buying a home, often the real estate transfer tax cost is overlooked. Depending on locale, either the buyer or seller pays the tax at closing or escrow, but beware in New Hampshire both the buyer and seller pay, half of 1.5%!. In some states it can be a formidable amount, you should be prepared for what the transfer taxes will be, and who pays them, before you start a home search or list your home for-sale.

The good news is, thirteen states don't have a real estate property tax. They are: Alaska, Idaho, Indiana, Louisiana, Mississippi, Missouri, Montana, New Mexico, North Dakota, Oregon, Texas, Utah, and Wyoming.

The bad news is that the remaining thirty-seven states and The District of Columbia charge taxes on the transfer of a property. The tax is only levied once when a property is exchanged between parties, unlike general property taxes which are paid annually and are based on the assessed value. Real estate transfer taxes range from a low of .01% in Colorado to a high of 1.28% in Washington state.

Variations on transfer taxes include; in Arizona only charges a tax on deeds. However Alabama and Florida charge on deeds and mortgages. To avoid financial surprises, inquire early as to who pays (buyer or seller) and how much transfer taxes will be. Some states dictate who pays the tax, and some just want the tax paid. This cost can typically be negotiated between the parties. Consult an experienced real estate attorney.

A handy online link for transfer taxes for all fifty states.

http://www.parealtor.org/content/AssetMgmt/Issues Resource Center/Realty Transfer Tax/Transfer tax chart.pdf

Mark Nash, is a residential real estate author, broker, columnist and writer based in Chicago. His fourth book 1001 Tips for Buying and Selling a Home received eighteen five star reviews on Amazon.com. His latest book; Real Estate A-Z for Buying & Selling a Home will be published in December 2006. Mark publishes a free monthly ezine for real estate professionals. Agent to Agent features ten articles that offer free reprints for agents, home buyers and sellers through EzineArticles.com . Real estate news and book reviews, Celebrity Homestyles, Home selling and buying tips and advice, Joke-of-the-Month, Help this Agent, and agent marketing tips. Over 5000 subscribers in the U.S. & Canada. Subscribe at: http://www.1001realestatetips.com/forrealestateagents.html

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

Shooting Games ? Sharp Shooters Are Not Always Bad!

 



Shooting Games ? Sharp Shooters Are Not Always Bad!Submitted By: Peter Rodrick   

Someone was assassinated in a downtown area of the city last morning! The INTERPOL thinks of some sharp shooters involved for this sinful act, who probably used the new bolt-action Centerfire Rifle from Remington with a Bushnell 3-9X scope! Do not fall from your seat?this is nothing other than the bruit we wrote!!! But now, we need some sharp shooters who take over the mission and complete it restless with flawless performance.

Not putting a reader in mystery further, let us talk clearly that shooting games are the genre of video or computer games that are gaining skyrocketing popularity. No one on this planet would hate it; irrespective of the gender and age. However, shooting style or type may differ since someone would like to be on hardcore mission where they see deserts around with no water or a battlefield with no mercy and others may like to be thousands of miles away from the earth, targeting meteorites and all the space objects from their supersonic spaceships.

This type of games cover a fairly broad spectrum of genres, which have the commonness of controlling some character or an object (like vehicle or spaceship) that is generally armed with a firearm that can be freely aimed at target or enemy to destroy or to gun down respectively. The shooters in the games that attempt to emulate life-like ballistics and characters that damage the target are often called as tactical shooters. Those that use more lenient arms are usually labeled as arcade shooters. However, whatever the type of shooter you require for shooting games, it is for sure that once you start your computer or TV with this game, you get lost in another world where you don?t feel hunger or thirst!

Such type of action games includes adventure and thrill. There are several option to play these games, like many games would be solo ventures where as others may offer the players the opportunity to order a squad of characters, generally directly controlling one, the head or the chief. This chief would be giving orders to computer-controlled allies. Games that feature non-player characters that fight alongside the player but that are not directly controlled (either by switching player control or by ordering to the other characters) are not categorized under the squad-based games.

Shooting games can be played through the game CD that is readily available in the market that can be put onto the computers and played or the generation-next players who look for game players like PlayStation, Xbox and Nintendo player platforms are latest devices that have different quality of sound and system that add realistic flairs to shooting games. If your pocket does not permit such type of shooting games, you can go online for free! There are plenty of websites offering online shooting games free of cost. All you need is to logon to the website, select the game and get started with your mission. Another genre ? MMORPG is also a revolutionary game that rocks the net nowadays.

About the Author:

Play online free Shooting Games and Fighting Games by visiting website webgameawards.com

Article Tags: game, games, shooting

Real Estate Investors: Change Strategies as Market Cools

Depending upon where you live, it may be time for you to rethink your investment strategy if you're a real estate investor, because many areas of the country appear to be on the verge of a price downturn. The indicators are there, beginning with the fact that it's taking significantly longer to market homes when compared to last year. When coupled with rising interest rates, it's likely that the recent real estate boom may be coming to an end.

One of the most startling statistics can be found in Los Angeles, where the median home currently sells for ten times the area's median income. That trend can't continue, regardless of interest rates or the kinds of creative financing options banks come up with.

LA's trend isn't unique, however, and home prices will probably continue to fall as 2006 progresses, and will decrease even more dramatically in 2007, especially if interest rates continue to rise. That trend will be more pronounced in areas of the country that have seen dramatic price increases in recent years. Some economists even predict double-digit declines in Miami and Las Vegas, two of America's hotspots during the recent real estate boom.

However, those sorts of declines aren't expected to be countrywide. Some areas of the country may actually see real estate values continue to grow, but at more modest rates, including most of the Midwest, parts of Texas, and even some larger cities like Atlanta.

As an investor, you'll need to be aware of the trend in your area and invest accordingly. For example, if you're a builder, the combination of higher home prices, higher interest rates, and higher gas prices will make it harder to sell high-end homes that are built some distance away from major cities.

Homes are also getting smaller, after increasing in size for the past thirty years (peaking at 2,430 square feet) and the things people want to see in their homes are changing. For example, luxury kitchens and deluxe bathrooms have gained in popularity while the demand for formal dining rooms has decreased.

If you're an investor who depends on flipping houses, your profit margins may be shrinking and your flipping time may be increasing. Therefore, you may want to begin thinking in terms of income and not capital gains. Although being a landlord isn't for everyone, if real estate values continue to decline and on-market times continue to increase, you may want to think about renting your homes as you wait for the market to improve.

You may also want to look at properties closer to downtown areas, since many renters are attracted by easy proximity to their jobs and to the amenities offered by cities. Rental units near office complexes or near several main highways can be especially attractive investments in a market that is showing signs of slowing down. If you're really not cut out to be a landlord, you can always turn the details over to a property management company, assuming you make enough on the rental to cover their 5-10 percent fee.

Regardless of your previous real estate investment strategy, you may want to begin rethinking your options as the real estate boom begins to slow down in most areas of the country.

Copyright © 2006 Jeanette J. Fisher

No matter what the real estate market does, you can always make money investing in real estate if you follow proven strategies. Author Jeanette Fisher offers FREE real estate investing teleseminars and ebook reports at http://www.doghousetodollhousefordollars.com

Consumer Reports Crib Mattresses

There are two general types of crib mattresses: foam and innerspring. Both tend to keep their shape well. There are differences, of course. For one, foam is lighter. The densest foam mattress is usually no more than 10 pounds, compared with 20 to 25 pounds for some innerspring mattresses. So changing your baby's sheets may be easier with a foam unit. Foam is also less springy and therefore less apt to encourage your baby to use the mattress as a trampoline. Still, innerspring crib mattresses remain the most popular.

If you're considering a foam mattress, keep in mind that low-priced models tend to be mushy and flimsy, with a thin vinyl covering and vinyl edging. They may also be unsafe. Putting a baby to sleep on a soft mattress increases the risk of Sudden Infant Death Syndrome (SIDS). Higher-priced models tend to be firmer (and therefore safer), with thicker, reinforced vinyl or cotton coverings.

To assess foam density (which has a direct relation to firmness), compare the weight of different foam models. That's not always easy to do in a store, but if you're able to lift several different mattresses, do it. In general, the heavier the foam mattress, the denser the foam. You can also give the mattress a squeeze test in the center by pressing your palms into both sides of it at once. A dense mattress won't allow you to press very far. A denser foam mattress is also likely to have firmer edges, which is another important performance factor.

To judge the quality of an innerspring mattress, don't go by the sales gimmick of coil count. While the cheapest innerspring baby mattresses have about 80 coils and the most expensive can have 600 coils, a high coil count doesn't always mean a firmer mattress. In fact, a model with 150 coils can be firmer than one with 600. You can judge by picking up mattresses to compare their weight and by squeezing them to test for firmness. Innerspring models generally have firmer edges than foam mattresses, but squeeze the edges to do a comparison. You may also feel border rods at the top and bottom perimeter, which provide extra edge support for safety and durability.

The number of layers of padding, what that padding is made of, and the quality of the covering add to the price and increase comfort. The cheapest innersprings, like low-end foam mattresses, have thin vinyl coverings and edgings, which can tear, crack, and dry out over time. As prices go up, coverings become thick, puncture-resistant reinforced double or triple laminates, and edgings have fabric binding, which is a sign of quality. Beyond that, reversibility, the presence of ventilators, and thickness are factors that differentiate one model from another.

The mattress you select should also be in compliance with a new flammability law that went into effect on Jan. 1, 2004. Though this is a state law applying only to California, crib mattresses sold in other states are expected to comply with it.

SHOPPING SECRETS

Compare mattresses in the store. Do this by squeezing them.

Confirm store return policies. And keep your receipt. A store's return policy is more important than a mattress maker's warranty. The store should be willing to exchange a mattress that doesn't fit properly, which is a major safety concern.

WHAT'S AVAILABLE

The major brands of foam and innerspring mattresses are, in alphabetical order: Child Craft, Colgate, Evenflo, Kolcraft, Sealy, and Simmons. Prices range from $30 to about $230.

RECOMMENDATIONS

You don't have to spend the most to get a good quality mattress, but don't skimp, either. A budget somewhere between $90 and $150 will generally serve your baby well. A good, firm mattress may also promote proper posture and is more likely to be durable, which is important if your baby will be using the same mattress as a toddler bed or you'll be passing it down to future siblings.

In the case of innerspring models, look for a firm mattress with good support from border rods. Border rods provide extra firmness, durability, and edge support. A mattress with reinforced or embossed vinyl is leakproof; it is also less likely to tear on the metal edge of a mattress foundation and should hold up better over time. Also look for air vents along the sides of the mattress, which not only help keep the mattress ventilated but may prevent seams from splitting when your tot inevitably starts jumping.

When selecting a foam mattress, go for one with high-density foam. Do the squeeze test for firmness in the center and at the edge. Pinch the mattress covering or ticking; it should feel thick, not flimsy.

Make sure any mattress you buy passes the two-finger test for fit in the crib. That is, if you can place more than two fingers between the mattress and the crib, the fit isn't snug enough. Check that fitted sheets fit snugly and securely, overlapping the corners so that you can't easily pull them up at the corners. Ill-fitting crib mattress sheets are a strangulation and suffocation hazard. And never use an adult sheet as a crib sheet, not even in a pinch.

Copyright ? 2002-2006 Consumers Union of U.S., Inc.

For the latest information on this and many other products and services, visit www.ConsumerReports.org.

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Tips in Buying a Florida Real Estate: Research and Inspect

Gone are the days Florida is only thought of as a must-visit destination in summer. While it is true that Florida boasts of breathtaking beaches and sceneries, this state is not only a great venue for vacation but also an ideal place for residence all year round. Yes, you can own a view of the ocean right in your veranda if you purchase a beach front property in Florida. It will instantly feel like a heaven on earth. Florida, or Flowery Easter, exudes a unique carefree charm and ease, almost like a sanctuary for the stressed-out individuals. Other states in America may also offer superb living environments but this southeastern state provides residents that I'm-on-vacation feel that is simply amazing. Florida real estate, ranging from resthouses to condominium units, is synonymous to hot properties. Contrary to popular notions, living in this side of America wouldn't necessarily cost a fortune. One can score great Florida real estate deals through patience and thorough research.

Depending on your preference and budget, you can choose between a new or an existing Florida real estate. Whichever you want, you are sure to find agents and realtors who can lend a hand in your search for the perfect property. If you're after brand new houses, consider the following practical tips. First and foremost, inquire about the developers of the property. This fact says a lot about the quality or characteristics of the real estate you intend to buy. Naturally, it is advisable to opt for renowned developers since they've already established a good reputation when it comes to real estate. But that's only one puzzle piece of the entire picture. Take some time to ask stroll around the neighborhood and see if this is the kind of place you would want for your family. It is also advisable to courteously ask the residents of that street for personal feedback about the place. Unlike the developers and agents, residents tend to be a hundred percent honest with their candid responses. Since they don't have a reputation to protect, residents veer away from little white lies and sugarcoating that some developers and agents do.

For those interested to purchase an existing (old or renovated) Florida real estate, he should carefully study the general condition or state of a property, including the materials used. But for in-depth inspection, tag along a professional contractor who can skillfully tell the pros and cons of having the property. He can also suggest ideas on how you can remedy or improve certain areas. If you're planning to purchase a Florida real estate, make sure to do thorough research and planning, and enlist the help of experts.

For more valuable information on Florida Real Estate, please visit http://www.miamiforeclosures.com

Empowerment For Women With Sexy Lingerie?

A couple of years ago I was an overweight and frumpy single parent with low self-esteem, and had no idea how to make the most of myself. Then I met a man online. We clicked, and spent the first weeks of our relationship corresponding by email. One day he told me his theory that in order to attract men, women should dress in sexy lingerie, wear high heels, have long hair and long painted nails. He also believed that doing these things would make a woman feel better about herself. This theory was based on both his personal preferences and conversations with female friends. I was somewhat confused by the premise as he was emotionally intelligent, yet this seemed to be at best an old-fashioned viewpoint, at worst chauvinistic. I wrote back completely dismissing the theory, declaring that I'd never wear a thong, long nails were totally impractical, I liked my hair short, and as for stilettos...get real!

However, as many of you know, when we enter a new relationship we often try out things to please our partner. So, when I received some presents including stiletto shoes, a push-up bra and a thong, I decided to give them a try. Surprisingly, I liked how they made me feel. The person in the mirror didn?t look silly or hideous. At that point something major occurred - my negative perceptions about myself began to change. I got more presents, enjoyed wearing them, then decided to take the plunge and buy myself something sexy. Up until then any self-bought underwear had been strictly functional and in either black or white. I bought a red satin basque. I still remember the first time I tried it on, how silky it felt against my skin, how well the shape suited my curves and how sexy and womanly it made me feel. I'd always thought that being womanly was somehow a bad thing, that it went against the feminist ideals of women being equal to men. That somehow it diminished us. However, I began to realise that in feeling more womanly, by altering my perceptions, I was gaining self-esteem and my inner confidence was growing. After a few months I had gained enough self-confidence to leave my old, hated job, and do something better.

Nowadays I have long hair and a lovely collection of sexy underwear, most of which I've bought for myself. I think I look better and happier. But the main difference is inside. I no longer feel inferior and invisible. I hold myself better. I can look people in the eyes when talking to them and express myself more clearly. Of course, all this isn't just down to the fact I wear nicer lingerie. Having someone in my life who is supportive and appreciative, yet challenges me to think through and express my inner thoughts, helps a lot. There are many days when I slob around in big knickers, jogpants and an old sweatshirt. My weight issues have still to be resolved.

I know that sexuality can and often is used in a negative way. But, ultimately, I've realised that in being womanly, I'm just being true to my sex. I feel empowered by the fact I'm a woman. I'm equal to anybody.

So ladies, when your guy gives you that little black item for Valentine's Day, don't dismiss the idea of wearing it. Give it a try. And revel in your womanliness. It's a powerful thing.

About the Author: The author lives in Scotland and works from home. Her primary job is a chatline operator, but she also runs a website for people looking for finance, http//:www.hotcreditcards.net

San Francisco

The updated edition of the free Access San Francisco guide for travelers with disabilities is now available. The 34-page book offers detailed information about 150 city venues and travel services that have accessible facilities that have been inspected by an ANC access specialist. These include hotels, restaurants, museums, attractions, shopping centers, recreation facilities, public transportation and others. Inspection notes which add extra insight have been included for clarification. For example, one note states, Path of travel from the street to the entrance is rough paving. Contact: 415-391-2000, (TDD) 415-392-0328

The Baylink Ferry Service has expanded its fleet with the addition of the M/V Solano, a high-speed 135-foot catamaran which ferries 300 passengers between Mare Island in Vallejo, San Franciscos Ferry Plaza at Market and Embarcadero, and Pier 41 at Fishermans Wharf. The trip operates daily. Contact: 877-643-3779.

The San Francisco Museum of Craft+Design has opened at 550 Sutter Street. It offers innovative exhibits and educational programs which celebrate the art and artists of contemporary craft and design. The museum features works in progress and displays showing design trends. It also hosts visiting featured exhibitions and artists. Contact: 415-773-0303, www.sfmcd.org

The Asian Art Museum invites visitors to view its copies, cracks, do-it-yourself fix-its and other imperfections among pieces in collections. The Fakes, Copies, and Question Marks: Forensic Investigations of Asian Art exhibit is part science lesson and part crime scene investigation by examining the authenticity of artworks through forensic testing to reveal the sometimes inexact science of classifying art. The exhibit artifacts are drawn primarily from the museums own collection.

Tibet: Treasures from the Roof of the World, June 12-Sept. 11, features nearly 200 sacred objects from the Potala and Norbu Lingka palaces in Tibet. This exhibition offers a rare insight into the artistic and spiritual traditions of the Dalai Lama and his followers. Contact: 415-581-3500

Del Monte Square, located near Fishermans Wharf, is the site of what was once the worlds largest fruit and vegetable cannery which was operated under the Del Monte name starting in the 1920s. The historic buildings are now home to the Argonaut Hotel, The Visitor Center of the San Francisco Maritime National Historic Park, THE CANNERY and a year-round Certified Organic Farmers Market. The renaming of this area honors the roots of this historic site and celebrates early San Francisco commerce and the influence of the Del Monte company. Throughout the complex are displays and landmark signs that describe various aspects of Del Monte Squares history. Events with historical themes are also planned. Contact: 415-771-3112

Amusing America is at the San Francisco Museum and Historical Societys Mus?e M?canique located at Pier 45 at Fishermans Wharf. This free exhibition tells the story of amusement parks found in American cities including San Francisco and how they influenced the lives of many, from the Gilded Age of the 1880s and 90s to World War II. Displays feature many artifacts including the familiar Laughing Sal, an oversized mechanical manikin which greeted visitors to the citys Playland-at-the-Beach. Antique games which were features of various amusement parks, arcades, swimming baths and dance pavilions are also displayed. Contact: 415-537-1105

Day at the Bay, a popular San Francisco entertainment group, has introduced an all-new cabaret program called A Musical Stroll Along Broadway. The program is filled with music, comedy and lots of nostalgia. The package includes the cabaret show plus lunch options at venues featuring a classic Chinese meal or a Greek feast. After the show, docents lead tours to interesting area sites. This is the perfect package for a day trip or mystery trip. Contact: 415-491-4908.

Vampires are not just for Halloween. Vampire Tours of San Francisco offers spooky tours of the gothic side of Nob Hill. The tour guide is Mina Hacker, the vampiress who was made by Count Dracula in 1897 and who has resided in the darker part of this city for over 100 years. She beckons visitors in a fun and entertaining way into the world of vampires and tells tales of their influence in shaping San Francisco as we know it today. Contact: 650-279-1840.

This article is sponsored by: www.grouptravelblog.com


About the Author

Help I Have to Evict My Nephew!

The eviction of a friend or relative is not easy to do. It has to be one of the most difficult lawsuits, if not the most emotionally draining, of all types of evictions. You may be one of the lucky ones who can rent to a friend or relative with no side effects. Still one day, there may come a time when you have to look your friend or family member in the eyes, and ask him or her to leave your apartment.

In the eviction of a relative stranger, even a long-term tenant, the process isn?t personal, just business. The tenant can?t pay the rent, so he has to leave. It?s the end of an association with more or less minimal emotional ties between the tenant and the landlord.

Evicting a friend or relative is one in which sides may be chosen, and lines drawn in the sand. Once the eviction notice has been delivered, do not expect many friends or allies to come to your aid. Depending upon the circumstances of the eviction, you can expect to have your life made miserable by anyone impacted by your decision.

This is because the expectations of a friend or relation are much higher than that of a stranger. If there is a tenancy problem, the expectation is that you will treat the tenant more as a friend or relative than as a financial investment problem. You will be asked to accept less than you normally would for rent arrears, to wait longer for your rent, and to accept behaviors that you would not normally tolerate.

For example, let?s say you need to raise the rent. A rent increase could be perceived as a betrayal of your friendship. Your aunt could think you are taking advantage of her. It doesn?t make sense, but when money is concerned, all bets are off. As far as a friend or relative is concerned, you are in his or her pocket. A belief that you are soaking your tenant for more money that you ?don?t really need? could cause your family member to not pay the increase.

Be clear and resolved about why the eviction must take place. Have all of your written documentation in place. Check all of your paperwork, rent cards, letters of warning etc. before you send your notice to quit. Make sure you have a leg to stand on before starting the eviction case. Conduct a due diligence of your property and the legal case.

Hard feelings will sometimes come with the rental and eviction territory. Do not expect to be able to discuss the case calmly with the offended tenant. Do not expect a cool head to prevail over your eviction action. If you evict your nephew, expect your sister or brother to be totally ticked off at you. Your friend may think you are a jerk for evicting her because she parties loudly every weekend, disturbing your other tenants. Your aunt may not come to your aid when your niece does not pay the rent.

When blood is evicting blood, much more blood could be shed before the battle is over. Few people want to be in the middle of a turf war. You may find yourself isolated and alone during the eviction process until the dust has settled. This is the reason why most landlords refuse to rent to a friend or family member. It is preferred to have only one relationship, than to confuse the personal relationship by adding a legal one.

How can you ease the pain of evicting a friend, relative, or even the relative of a friend? It could depend on how the person was moved in. Were you doing your friend ?a favor? by renting your apartment to him or her? Did your cousin have to complete a rental application like everyone else? Did you verify all references, employment information, credit check, former landlord information, etc.? Does the tenant have a lease?

Why is this important? Having everyone go through an application process regardless of their status with you establishes the ground rules from Day One. Without it, the tenant could feel that he or she was taken in as a friend, and then treated otherwise when things got tough. It helps to set up the lines of separation between the friendship and the tenancy.

So, what is the best way to evict a friend or relative? Here are some tips:

?First, do not take shortcuts during the legal process. In fact, do everything strictly by the book. A wounded friend or relative who knows your personal business becomes a worthy adversary in a legal case. He or she will use whatever information is available to fight you tooth and nail.

?The jury is still out as to whether or not you should serve the initial notice of lease termination personally, or use a constable. The friend or your sister will feel the sting of you starting legal action just as shocking no matter how the news is given.

?Exercise the same professional manner in dealing with the loved one as you would with a stranger. Try to keep your emotions out of the situation. Avoid discussing the case at length with your now adversarial tenant. The less said, the less information that can be used against you in court.

?Put any rent arrears payment plans in writing. Continue the eviction case, and present the payment plan to the judge. Have the judge enter the payment plan in the court decision. Then, if the plan is broken, it is broken with the court, not you. Your friend or cousin will be less likely to violate a court agreement.

?Some landlords hire an attorney to process their eviction cases specifically against a friend or relative. When your best friend or nephew calls you about the eviction notice, refer all comments and questions to the attorney. Resist the temptation to explain why you started the action. With an attorney, you are taken out of the middle position. Let the lawyer earn the fee by listening to the anger, frustration and feelings of betrayal by the friend or relative.

?If you need to take legal action against a friend or relative who is your tenant, do it. Do not be intimidated by their personal association with you. Your real estate is a business investment. If you remember this during the process, you will be able to separate the two relationships, that of friend or family member who is also your tenant.

No one wants to be evicted, especially by a person who is considered a pal and confidant. The bitter taste of humiliation, feeling of betrayal, and anger will remain long after the actual legal action. Before renting your vacant apartment out again, remember the experience. Decide whether or not the rent is worth the possible loss of friendship or family discord.

Backpacking Europe in the Winter

Europe is undoubtedly a top destination for many travelers that like to back around regions. You do not need to mark Europe off your list just because it is winter.

Europe is a truly amazing place. The smallest ?continent? on the planet, it manages to pack in a ton of history and so many different cultures it is simply amazing. Jump on a train in Paris and you can be in an entirely different culture in a few hours. For backpackers that like to get out and see different places, this makes Europe a golden destination.

Traditionally, most people head off to Europe during the summer months to take advantage of the beaches of Spain, France and Greece. That does not mean that winter is off limits. There are plenty of opportunities to have a great time during the winter and there are less people to deal with. This, of course, means prices are significantly cheaper for those on a budget. Although there is plenty to see, here are a few highlights.

An immediate event that comes to mind is the winter carnival in Venice, Italy. The affair is like something out of the movie Amadeus. The people of Venice gather in the various town squares dressed to the hilt in operatic dress complete with masks. Think of the lead character in V for Vendetta and you have the idea. In truth, the event has become very tourist-oriented, so you might want to consider other opportunities.

Since it is winter, skiing should probably be on your menu. France and the Nordic countries all have much to offer. Still, you really can?t pass up Switzerland. There are plenty of places to go, but the town of Interlaken is a highlight. The name of the town refers to its location on a double lake system that is surrounded by majestic mountain peaks. The skiing is simply tremendous and the people are very friendly. This is one of those things you have to do once in your life.

Perhaps the best thing about Europe in the winter is the lack of tourist. The local people are in less of a sell, sell, sell mode. The pace of life is much more relaxing. The best thing to do in my opinion is just hang out in little shops and talk with people. Since it is off season, they are more than happy to chat away the day and night. If you get the tourist urge to visit something, you can get into museums and other cultural sights without having to wait in lines.

Is it going to be cold? In a word ? yes. You should pack accordingly. That being said, you have never really experienced Europe until you have seen it blanketed in snow. This is particularly true for the northern countries. If you need a quick warm up, you can head to the south of Spain and Portugal where things tend to stay pretty warm.

John Grimes is with All Terrain - makers of natural products for the outdoors including insect repellent, soap, sun protection and more.

Holiday Stress? 5 Ways to Make it Better

Want a Healthy Brain for Life Take These Steps Now

We know that some senior citizens are able to live into their eighties and nineties with their minds sharp and their bodies still spry. Will we be among the lucky ones? Will our brains stay mentally sharp as we age?

Or will we be among those who fill nursing homes because our minds can no longer function properly?

The good news is that most of us will be able to keep our cognitive faculties as we age unless we develop Alzheimer's disease, heart disease, or diabetes.

As long as the brain itself remains healthy, older people can maintain their ability to think and remember, although it may take them longer to think and remember than it used to.

And in some forms of mental skills, seniors are actually able to outperform much younger people! For example, older people can perform better on tasks that require good judgment.

By studying the health habits of senior citizens who have reached old age with their minds and bodies intact, scientists have discovered some of the factors that seem to be associated with better mental functioning in old age.

There is some evidence that people who have a diet high in antioxidants have lower rates of getting Alzheimer's. Eating at least five servings of fresh fruits and vegetables every day seems to provide a protective factor to the aging brain. Those fruits and vegetables that have strong, bright colors tend to be very high in brain protecting antioxidants.

In animal experiments, blueberries have been found to be particularly strong in protecting brain cells from aging. Whether or not this ability to protect brain cells will extend to humans is not known yet, but why not try adding blueberries to your diet in the meantime?

Researches have discovered that there is a lower rate of Alzheimer's disease among people who eat a lot of cold water fish such as salmon. It's not known for certain whether taking nutritional supplements will help prevent brain degeneration, but there is some evidence that some vitamins, minerals and herbal supplements seem to have a protective effect on the brain. For example, a higher intake of Folic acid is associated with a lower incidence of Alzheimer's disease.

It's also important to learn bout which fats are good and which fats are bad for your heart and your brain.

Most North Americans eat far too much of the bad fats--those that are saturated or hydrogenated, and they do not eat enough of the good fats their brain and body needs, particularly the Omega-3's found in such foods as salmon and flax seed.

Try to include lots of fresh fruits and vegetables in your diet, especially those that are brightly colored such as tomatoes, spinach, and berries. These foods are high in special chemicals called antioxidants, which help protect your brain cells from damage.

A good quality vitamin and mineral supplement may help promote brain health. Based on the results of several long term studies, the following amounts may prove helpful:

500 mg of Vitamin C,
400 IU of Vitamin E,
400 mcg. of Folic acid,
and a well balanced Vitamin B complex taken daily.

Another life factor that is very damaging to brain cells is chronic stress. The chemical changes produced in your body when you are under chronic stress damage every system of the body, including your brain. If your life is currently very stressful, find ways to change your life circumstances where possible, and learn to change the way you react to these situations.

To reduce the impact of stress, practice techniques of mind and body relaxation such as daily meditation and prayer. Burn off some of the negative effects of stress on your body by committing to regular exercise.

Develop a circle of trusted friends and be sure to include some fun in your life.

The basics of looking after your brain involve common sense habits. If you want to keep your brain healthy, make it a priority to eat well, exercise regularly, and get sufficient sleep.

Your brain, as well as the rest of your body will benefit from following these tips. In addition, this strategy will improve your mood and outlook.

Although in life there are no guarantees, by following these common sense guidelines, you can increase your chances of surviving into your senior years with your mind in good shape.

This article was written by Royane Real, author of the book How You Can Be Smarter which is full of techniques you can use to improve your learning ability, memory, and creativity. If you want to learn more ways to enhance your brain power, download it at http://www.royanereal.com

Diaper Caddies as Baby Gift Baskets for New Parents

When I was first home with my newborn baby girl I often found as I was trying to feed and care for her, that what I needed always seemed to be in another room. If I needed a burp cloth, I had left the clean one in the kitchen. If I was up to my elbows in a dirty diaper in the nursery and desperately needed the box of baby wipes, I had left that in the livingroom. I did a lot of sprinting from room to room retrieving supplies.

When I was first home with my newborn baby girl I often found as I was trying to feed and care for her, that what I needed always seemed to be in another room. If I needed a burp cloth, I had left the clean one in the kitchen. If I was up to my elbows in a dirty diaper in the nursery and desperately needed the box of baby wipes, I had left that in the livingroom. I did a lot of sprinting from room to room retrieving supplies.

Once my daughter was a few months old, an idea came to me for a diaper caddy. The caddy could be stocked with a days worth of supplies and easily carried from room to room. The caddy would hold a wipes container snuggly in place and, of course, it had to be well-made and stylish. I made a prototype and upon demand from friends and family began selling them as baby shower gifts. Let us look at some suggestions for its use.

This caddy is made of a very high quality shaker-style basket, which, unless jumped on by your child, will last until the little cherub goes to college. Real wood dividers are crafted and set inside the fabric-lined basket - this creates cubbies and a center compartment which will hold any of the major-brand plastic wipes containers.

New moms have told me that they restock the caddy usually in the morning, with 4-6 burp cloths and 10-12 diapers. The most popular finds in the other four compartments are diaper cream, cornstarch powder, pacifiers, the nasal bulb syringe (as all new parents know as he sucker), lanolin (for the nursing moms), rattles and I've been told it's a great t.v. remote holder (although I do not promote this use, I will admit the importance of knowing the proximity of the remote during middle-of-the-night feedings).

I know a mom whose baby is 7 months old who stocks the basket in the a.m. with a days worth of clean outfits. She brings the basket downstairs to the livingroom for the day. Because the wooden dividers are removable, the basket can be used to store memorabilia such as photos and baby's firsts' when its use as a diaper caddy is no longer needed.

The SaraBear Diaper Caddy makes a unique and stylish new baby gift for the new parents. They can be purchased online as is or as beautiful baby gift baskets at www.sarabearbaskets.com.

Copyright Melissa Bramlage, All Rights Reserved.

ABOUT THE AUTHOR

Melissa is a mother of one with a baby on the way, a Registered Nurse and owner of http://www.sarabearbaskets.com where you will find her original diaper caddy and baby gift baskets.

Ipod And Mp3 Backpacks For The Tech savvy Individual

Music has always been popular for people all over the world whatever its language be. Before it used to be cassette players, followed by walkmans, cd players, and then companies started to make them in much smaller sizes with much larger storing capacity which gave rise to these new breed of music players. As we walk the streets, we may encounter people carrying with them portable players that play music and for others videos. It has become so popular nowadays for people of all ages, be it the young or young at heart, to own these small and portable digital audio players like MP3 players and iPods.

The technological advances have truly revolutionized the fashion industry for more designers are trying to incorporate these hi-tech items into bags, clothes, and the like. It is not unusual to find bags equipped to fill the needs of the tech-savvy individual.

We can find a lot of backpacks in the market that has tried to fill this void. Backpacks now are designed with special compartments designed to store and protect your mobile phone, digital audio players (like MP3 players and iPods), and some even for detachable CD or DVD cases.

According to the Consumer Electronics Association, almost one third of all U.S. households with children aged between 12-17 years of age own an MP3 player. Take note thats not even half of the entire population for even the older generation is trying to adapt and blend in with the current trends.

Some backpacks are even incorporating features like built in speakers and amplifiers. Others have built in remote controls for volume which can be found on the shoulder strap. These bags are even equipped with a headphone cable exit port making it more convenient instead of it being run through the bags zipper. Some are even equipped to store your laptop computers as well.

The best selling iPod and MP3 backpacks include the brands of High Sierra, OGIO, eBags, Jansport, Eastpak and Nike. Visit the websites for a look at the latest styles and designs and try to avail of those items that are currently on sale.

With the growing popularity of these electronic gadgets and with the emergence of newer and more advance digital audio players, backpacks with these features are definitely here to stay. Music lovers will definitely enjoy owning one of these for it is a fantastic way to have their music close at hand.

By: Mary Lorainne

ElderLife Matters For Caregivers and Employers

4 Elements Of A Great Fundraising Event

 



4 Elements Of A Great Fundraising EventSubmitted By: Jayson Krause  

Hundreds of fundraising events are held every year - maybe even thousands. Unfortunately, many of those fundraising events don't meet the target that organizers have set for them. It could be due to anything from lack of proper planning to a lack of ways to encourage donations.

My experience in fundraising up to (and in some cases over) $50,000 per year, I learned that the key to securing large and lasting funding from a variety of sources was in the quality of the event I held. But, you can't expect to gain all of your money from one event - it's what you do during and after the event that actually matters the most!

The event is where things start. It is an opportunity for you to get the ball rolling (or keep it rolling in some cases) with many prospective donors. So, here are my 4 elements of having ensuring a great fundraising event:

Keep things moving - If people get tired, or if there is a lull in the action, people generally sit on their wallets or keep the clasp on their purse tightly closed. Keep your event moving - give only short pauses in the event itself for people to mingle and move about the venue. Speakers, activities, draws, etc, will keep people engaged in the event. Once engaged, the purse strings loosen.

Provide 'money opportunities' - Anything like a 50/50 draw on the evening, or games of chance, or a silent auction tied to a fundraising event is usually a good idea. People are there to help out an organization, so you might as well give them every opportunity to do so - without going overboard, of course.

Take time to meet people - This element comes third on this list, but it is probably the MOST important element for continued success in fundraising. Think of your organization like a house - the stronger you build the foundation, the longer it will last. Each potential supported can be part of a strong foundation for fundraising. The leaders of your organization (and fundraising team) should make an effort to meet and speak with as many people at the event as possible. Take an interest in their donation and tie it to what the organization has planned or is current doing.

Leave them with something - It might be a magnet with your organization's logo; it could be a golf ball and tee with your organization's stamp on it - anything that is going to remind those in attendance at your fundraising event of your organization is a good thing. You don't want them to forget as soon as they walk out the door. You want them to remember the fundraising event, maybe take a look at the website you have set up, and possibly subscribe to a newsletter so they can keep informed.

An event is a great way to fundraise - especially if you can bring people together to fundraise, rather than trying to get to everyone for their support. Running a good fundraising event can be tricky, but if you have guidance on how to get it done - then it can pay off in a big way!

Penis traction devices: how they work

<h1>Penis raction devices: how they work</h1>

The <u>traction device</u> category of penis enlargement has been the focus of more and more publicity recently, leading some
to wonder if this is a new, untested idea. The truth is, the traction technique has its roots in ancient tribal customs, cultural
and spiritual practices and even modern-day medical methods for rebuilding tissue in surgical patients. The idea has been around
for centuries. What's new is the availability of safe, effective, medically developed devices for home use -- and now the idea
behind them is well-tested and documented, with a long history of dramatic results.

Most people are familiar with some of the more extreme examples of traction, such as the use by African tribal peoples and
Amazonian indigenous tribes of lip disks, ear disks or neck rings to stretch these body parts to almost unbelievable size or
length. Think National Geographic or the Discovery channel: you've surely seen photos of the amazing enlargement capability of
the human body. Many native people have used traction to increase the size of the penis, too: the Sadhus holy men of India,
Peruvian Cholomecs and Papua Indians of New Guinea who ritually employ penis stretching to lengths of up to 22 inches! There
are numerous other cultural examples of this type of penis elongation.

Today, traction is the medical term for carefully calibrated, continuous pressure applied to help with healing after
surgery, injury, trauma or burns. Simply put, it means stressing tissues by stretching, and then allowing the body to rebuild
itself naturally. Examples are mastectomy patients, who require expansion of the skin and muscle in the chest prior to
reconstructive surgery; penis enlargement surgery patients, who employ traction to help heal, strengthen and straighten the
penis; and burn patients, who can create their own skin grafts by means of traction which stretches or enlarges an area of
tissue prior to transplant.

The stretching opens up spaces between cells, and triggers a growth or healing response in the body, in which adjacent cells
begin to divide and fill in the space. With continued use, the growth can number in the millions of new cells, significantly
adding size and tissue to the area.

That, essentially, is the idea behind traction devices for penis enlargement. In one popular and well-documented device --
designed by a urologist and created by a medical company in Denmark -- traction is applied by means of adjustable, calibrated
bars between an anatomically curved base that fits comfortably at the root of the penis, and a surgical-grade band that slips of
the glans (head) of the penis. As the penis lengthens, the traction and distance can be adjusted. This device is meant to be
discreetly worn under the clothes and/or during sleep. Marketed under the name ProExtender?, the device can be obtained from
your medical practitioner or online at www.proextender.com.

Penis enlargement traction devices do work. Medical studies and many medical applications of the traction device show that
real, permanent growth can occur in both length and girth, measurable in inches. These devices are far from being a quick
fix, however; the device must be used properly (full instructions should accompany any device you're considering purchasing) and
over a period of time to give the body ample opportunity to grow and build new tissue. Advertisements that tout instant gains
or miracle overnight growth are unrealistic and unreliable, and very likely, unsafe.

Obviously, men who are interested in gaining penis size should also be mindful of their overall health and safety. The choice
of a medically developed device is highly recommended, and strict adherence to instructions is a must. Any questions or concerns
should be directed to your medical practitioner. Ultimately, the success of the traction device depends on the user's
conscientious and dedicated use of the program as directed. With the proper commitment, genuine penis enlargement can be yours.
If you are having difficulties finding the right product, we stand behind ProExtender? for quality, effectiveness, and customer
service.

About the Author

For complete Penis Pill Reviews
see our site: http://www.mrpenisenlargement.com.

Getting a bed for the night in Manchester

Manchester in the United Kingdom is known for many things. To many, it is best known as the home of the Manchester United soccer team, but the city has much more to offer than just sports. It is a vibrant locale featuring a dazzling array of dining, drinking and entertainment options. You might say Manchester has something for everybody.



The same can be said for its vast choice of accommodation to meet every need and budget. There are many excellent places to stay that are close to Manchester?s most popular tourist attractions as well as ideal venues on the city outskirts, in suburbs such as Bolton, Altrincham and Stockport, should you prefer a hotel closer to the countryside. These suburbs are near Manchester International Airport.



The city centre has lots of excellent value pub accommodation such as the Burton Arms Hotel near the Victoria Station, The Crown Inn on Deansgate and Castlefield and The New Union on Canal Street, a loud and boisterous place that is a favourite haunt of the gay community.



Monroe?s Hotel near Piccadilly Station is a good, affordable choice if you are looking for a more traditional, family-oriented hotel. The Mitre Hotel right beside Manchester Cathedral is another excellent option that will not strain your budget too much. Meanwhile, in central Manchester, you will find a flagship YHA with affordable prices which is a short walk from the hip and trendy Castlefield Basin, which hosts several of Manchester?s best nightspots.



There are many inexpensive hotels of good quality in the outskirts of Manchester, particularly in Chorlton and Didsbury in the south and Harpurhey and Blackley in the north. Just 15 minutes from the city centre, Barlow Moor Road in Didsbury features several good family hotels with friendly prices, including Bourneville Hotel and Green Gables Guest House. Harpers Hotel in Harpurhey, about a mile or so from the city centre, is another good choice.



The city centre hosts a number of moderately priced hotels and the Hotel International is one of the most popular ones, especially among rail travellers because of its proximity to Piccadilly Station.



The Princes Hotel, an elegant structure at the Corner of Portland Street, has its own nightclub and is a short five-minute walk from the city?s main entertainment and shopping centres as well as a host of Chinatown restaurants. The Lowry Centre and the Holiday Inn Express at Salford Quays are also excellent value-for-money choices. Sports fans will appreciate the Old Trafford Lodge because of its closeness to Manchester United Football Club and the Lancashire County Cricket Club. If it?s a gay-friendly hotel you want, then the Rembrandt Hotel on Canal Street, right in the heart of the Gay Village, should be your first choice.



The Albany Hotel in Chorlton has gained a reputation for its excellent food and quaint family charm while the Brittania hotel in Stockport gets good reviews for its superb facilities. The latter is also an ideal base for tourists who wish to visit the Peak District. Backpackers may be best served by The Novotel, Manchester West on the M60 motorway seven miles from the city centre.



The Malmaison near Piccadilly Station is an imposing and impressive modern structure that stands in stark contrast to the fine Victorian elegance of the Brittania on nearby Portland Street. Britannia has a host of in-house bars and restaurants. Both of them offer exquisite accommodation and are a favourite choice of both upscale local businessmen and foreign travellers who are in town for a few days.



If you?re in Manchester for business, some of the best corporate conference facilities can be found at the Manchester Conference Centre and Hotel on Sackville Street near Piccadilly. They are equipped with some of the most modern audio visual facilities and equipment to ensure a quality presentation.



If it?s an elegant hotel near the Manchester International Airport you desire, there are two top quality hotels located within the Manchester International Airport itself: the Manchester Airport Hilton and the Radisson SAS Hotel. The Airport Moat House and the Forte Posthouse Manchester Airport are also close to the airport.



On the other hand, if you require a world-class hotel near the city centre, then there?s Crowne Plaza - The Midland or the Palace Hotel on Oxford Road. The Victoria & Albert Hotel is a charming and elegant venue on the waterfront and is perfect base for roaming the Castlefield area and Salford Quays. The south Manchester suburbs play host to two more top-class hotels, Stanneylands in Wilmslow and The Village Hotel & Leisure Club in Cheadle.



For more of Manchester?s most luxurious accommodations, please refer to the article ?Luxurious Accommodations in Manchester? on this website.





Article by Susan Ashby of Manchester Singles. To read more articles like this or for dating in Manchester visit http://www.manchester-singles.co.uk

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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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.

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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.

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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.

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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.

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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
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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

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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.

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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!

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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.

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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.

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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.

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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.

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.