I  AM  YOUR  POLICY

You and I have similar purposes in this world.

It is your job to provide food, clothing, shelter,
schooling, medicine and sundry other things
for your loved ones; you do this while I lie 

in your strong box.

I have faith and trust in you. Out of your earnings

will come the cost of my upkeep. At times, I may

appear to be worthless to you...but someday (and

who knows when) you and I will change places.

When you are laid to rest, I will come alive

and do your job. I will provide the food, clothing,

schooling, medicine and other things your family

will continue to need --- just as you are doing now.

When your work and toil are done, mine will begin.

Through me, your hands will carry on.

Whenever you feel the price you are paying 

for my upkeep is burdensome, remember that

I will do more for you and your family 

than you ever can do for me.

If you do your part, I will do mine.

10 Marketing Concepts

1.You see a gorgeous girl at a party. You go up to her and say, “I’m very rich, Marry me!” That is DIRECT MARKETING.

2. You are at a party with a bunch of friends and see a gorgeous girl.
One of your friends goes up to her and pointing at you says, “He’s very rich. Marry him!” That is ADVERTISING.

3.You see a gorgeous girl at a party. You go up to her and get her telephone number. The next day, you call her and say, “Hi, I am very rich.
Marry Me!’ That’s TELEMARKETING

4.You see a gorgeous girl at a party. You get up and straighten your tie.
You walk up to her and pour her a drink. You open the door for her.
You pick up her bag after she drops it. You offer her a ride and you say,
“By the way, I am very rich. Will you marry me!’
That is PUBLIC RELATIONS.

5.You see a gorgeous girl at a party. She walks up to you and says,
“You are very rich. Can you marry me?” That is BRAND RECOGNITION.

6.You see a gorgeous girl at a party. You walk up to her and say, “I am very rich,
Marry me!” She give you a nice hard slap on your face.
That’s CUSTOMER FEEDBACK.

7.You see a gorgeous girl a party. You walk up to her and say, I am very rich.
Marry me!’ And she introduces you to her husband.
That is DEMAND AND SUPPLY.

8.You see a gorgeous girl at a party. You walk up to her and before you can say anything, another person comes along and tell her, “I am very rich. Marry me! That is MARKET COMPETITION.

9.You see a gorgeous girl at a party. You walk up to her and before you can say anything, another person comes along and tell her, “I am very rich. Marry me! And she follows him. That is LOSING MARKET SHARE.

10. You see a gorgeous girl at a party. You walk up to her and before you can say,
“I am very rich. Marry me!’YOUR WIFE TURNS UP!
That is BARRIER TO NEW MARKET ENTRY.

Three Secrets to Persuasion

Three Secrets to Persuasion
1. Brightness
2. Darkness
3. Frequency

Paint Bright word pictures
that describe the positive, exciting future
that awaits if a person follows your recommended
course of action.

Paint Dark work pictures
that describes the gloomy and frightening
that awaits if a person doesn’t follow
your recommendations.

Then Repeat the message (again and again)
until your audience gets it and does
what you suggested.
You can learn to persuade
Learn to sculpture your words and phrases
into masterpieces that evoke the
response you want.

Interest Rate vs. Interest Cost

There are multiple ways of calculating interest.
I don’t know them all, but some are compound,
simple, average daily balance, amortized,
minimum monthly balance, to name a few.
The way interest is calculated makes a huge difference
to the actual costs associated with a loan.
For instance when you purchase a car for example
the interest rate might be 5%,
cost of car $25,000,
monthly payment $575,73,
with a 48 month term.
So what is 5% of a monthly payment $575.73?
answer is $28.79.
Most people think this is what they are paying.
However the first payment will be divided into
$471.57 towards principal and
$104.17 towards interest.
So that means you are actually paying
18.09% interest that month.
After 13 payments you have paid $25,000 -
$18,714.02 = $6,285.98 in principal payments
plus $1,198.54 towards interest
equals a total of $7,474.52 in payments.
The percentage of interest volume you have paid
the lender is still 16.01%.
So for the first 13 of 48 months you are really paying
an average of 17% interest on a 5% loan.
If you do pay the whole loan back over 4 years
you will actually pay $2,635.15 in interest charges
which is 10.54% of $25,000 on a loan charge rate of 5%.
The national average is that most people return
their vehicle for a trade in before they have paid
off their loan, so during the last year or two when
you would be paying mostly principal payments
you start a new loan all over again beginning
with the higher percentage going towards interest.

The interest rate does not matter as much as the cost
you are really paying.
Once you pay the lender your money for the car,
that money has now gone, never to be seen
or used by you again. So now you have to start
all over again, borrowing more for the next thing
you want.

What if there was a way to recapture not just the 17%
or 10.54% interest charges but also the principal so it was available for
you to buy the next car with when you are ready for a new one?
Would it be worth it to you to learn how?
How many investments offer 10.54 or 17%
returns guaranteed?

We help people Simplify their Finances
by reducing the effective interest rate on all loans.

CANCEL-ABLE

To Cancel means to bring to nothingness, to annul, to destroy, to call of, to mark or strike out for deletion, to omit, to delete, to remove.

CANCEL-ABLE means an item may be deleted, canceled, or removed.

I will apply this to interest on loans. Loans by definition include money borrowed on which interest is paid for the temporary use of that money.
Therefore, this may be interest paid on a student loan, car loan, credit cards and /or a mortgage.

You ask, “How may interest be “Cancel-able” on my loans?”

Know this, You have the right to pre-pay additional funds towards the principal (borrowed money) at anytime. When you understand interest, you will want to take full advantage of having it work for you.

For demonstration purposes, I will use a mortgage example to show how interest may be cancelled on your home with a $200,000 30 year mortgage at 6% interest, with a monthly total payment of $1199.10



You may prepay the $200.10 due on month 2 when you pay month 1. Your next payment would be month 3. The result is you would have deleted the $999.00 interest that would have been paid with 2nd month’s payment.

That, my friend, is cancel-able interest!

Remember, I mentioned earlier interest on all loans are cancel-able. That includes student loans, car loans, credit cards as well as the example above. You see, all loans have a payment schedule and may be paid in advance!

My Secret of Success is canceling the cancel-able interest on all loans. Through education, mentoring and monitoring you will be guided to make precise calculations that are used to make interest saving recommendations.

The system is specifically designed to enable you to become financially free in the least amount of time possible with the least amount of cost possible.

This Monitoring and Mentoring system may3 be acquired through the use of reclaimed interest you previously believed the banks had a right to, which in most cases amounts to 100% interest.

Mentoring is a vital part of the equation brought to us by a client support team who will help you implement the software’s recommendations that will become part of your financial success.





For more information see http://SimplifyYourFinances.com



See the book “-ABLE” by Scott Ginsberg at

http://www.amazon.com/-ABLE-Strategies-Increasing-Probability-Business/dp/0972649786/ref=sr_1_11?s=books&ie=UTF8&qid=1281984545&sr=1-11


You may visit Scott’s blog at http://www.hellomynameisblog.com/

A Distraction Is A Distraction

Did you read that? A Distraction is a Distraction! I don't know about you - but my story could be this. I get up early, 5 am before most of the world gets turned on. Before God turns the lights on, outside!

I have plans, I have a project scheduled to do before the world wakens. Coffee is perking, I turn my computer on, the project to work on is on my desk, which is also giving a yawn and waking up to the smell of coffee.

Distraction.

My computer tells me there is an important email from a colleague. Read it now. I do. He has given me a link to another website I really need to review - now. I do.

Distraction.

It is now 9 am, time for another cup of coffee. And to make my wife her breakfast cup of tea. She loves her cup of tea while doing the bathroom getting ready for the day stuff a wife does.

Distraction.

It is now 9:45 am - must finish up the project that my colleague directed me to before he calls me about 11 am to review. My personal "to do" project is patiently sitting on my desk taking another stretch and smiling knowing that sooner or much later I will get to her.

Distraction.

An hour with my colleague on his project well, that was not the plan for today. However, it was important.

Distraction.

Noon and I always eat lunch right at 12 noon. Never a minute late either. This day is going by quickly and really so far all I have accomplished were the Distractions

Distraction.

Afternoon ballgame is starting! I must see who is playing. Oh, good game, got to watch this one, it is an important game. A Distraction is always a distraction. My success is following a system and being focused on "this one thing I do". Life quickly passes by - with Distractions unless I make certain that PRIORITIES supersedes the Distractions.

[http://www.zoom4cash.com] - A system to keep me focused.

To Your Success
Walter
Article Source: http://EzineArticles.com/?expert

How to Fund College Education - Are there Options?

Our children are growing up. High School will soon be completed. What's next? College? Now for the hard questions. Where? How much will it cost? Where will we get the money?

Some families have set up a savings account when their children were born. Others have opened a 529 savings account. A few families have a participating permanent whole life insurance policy from which they may "borrow" funds for college expenses.
What is the best option you ask.

Before discussing your options. Let's talk about Investment vs savings.
An investment is always a risk, a gamble, an unknown. An investment may be money put into stocks or mutual funds or even a 529 College Savings plan. We invest with the HOPE for a financial gain. However, there are no guarantees!

Savings is when we have put money into a secure place and you know up front what the return or gain be. Your savings account at the bank states they will pay you a specific amount of interest.

College 529 Savings plans although the tax advantage is attractive. They do have some definite drawbacks. What if your child chooses not to go to college, wants to attend college in a different state, or is able to get scholarships to fund his or her education? Another point to be made is that the funds have to be used for education by the time the beneficiary (your child) turns thirty, to avoid the non-qualified use penalty. Also the government can change the rules of the 529 plan at any time.

The other viable option worth serious consideration is to purchase for your child a Participating Permanent Whole Life Policy. Why? There are several solid reasons which I will highlight here.

1. It is secure. It is not tied to the stock market.http://www.blogger.com/img/blank.gif
2. This type of insurance is very low cost when purchased for children.http://www.blogger.com/img/blank.gif
3. It has a guaranteed rate of return.
4. You may borrow from this policy cash to pay for college education without obligation to pay a set amount each month to replace that loan. The advantage of borrowing from "self".
5. Most important is that you have full control over these funds and their availability to you.
6. Additional benefit is that you will get additional money from the death benefit.
My advise is to consult with financial adviser and consider all your options.
It is my opinion that using your child's life insurance policy to fund College is a wise decision.

http://walterseward.com
Article Source: http://EzineArticles.com/?expert=Walter_Sewa