Friday, August 31, 2007

why there will be no deflation.

At least where it counts.


Aside from the fact that there will be a Trigger Event which causes suspension of all access to banking, trading accounts, and other business repositories with equity balances under a declared condition of Martial Law; in the event that such does not occur, there still will be no deflation.


What will deflate is garbage; the crap nobody needs or wants, IE junk goods.


The deflation-hyperinflation was BS'ed to death here about 3.5 years ago. The hyper-tiger showed what minimal grasp he had of economics on those threads. Maybe they remain archived? Not like it matters much.


The deal about deflation is nobody has ever really experienced it in a fiat money system. How can paper, backed with nothing, actually appreciate? It can't! Yet, the arguments continue to be made and rationalized.


In America, most consumer goods and in fact, almost everything we are able to buy is now made abroad and transported to this shore. Worldwide, there is an energy and especially fuel shortage. Not many ships are powered by coal any longer, so shipping/importing is all subject to ever increasing fuel costs. Fuels will not be getting more affordable in terms of dolllar pricing, so all imports will increase in cost, unless dumped at severe consequence by the seller and/or importer. Junk goods, (non-essentials) will likely be dumped. Essentials will not.

Many confuse a seller willing to take less for goods with deflation. These are not synonomous. There may be goods that must be sold at any price or they spoil/expire. Buyers will squeeze sellers as fully as possible, but buyers don't want expired goods anymore than sellers want to get stuck holding them. Look for items with markdowns and substantially reduced costs to no longer be as desirable to the consumer, but need can mandate the purchase anyway. Quality merchandise will not be sold at severe discount.

Just in time inventories mean that retailers have small exposure to markdown loss. A firm doing $10M in business may only have $500K of inventory if they have fantastic turnover. Retailers selling at severe markdown have no need to continue their enterprise due to increasing costs to acquire goods (imported goods are rising in expense due to transport and dollar exchange devaluation).

When have you ever seen Good Quality Merchandise sell at distressed levels?
There is ALWAYS demand for GQM for the value it represents. Staple Merchandise, products people require for living are not going to deflate, if anything they will rise due to competition from buyers for scarce products and resources.

Virtually every usable tool and device to enable self-sufficiency will rise in value and price. Papermoney may not be a viable medium of exchange for these goods.

There are bubbles which have greatly inflated some aspect of the economy. Credit is largely responsible for this. Yet, credit is collapsing as I type this. Most credit availability has been removed from the system already. Those who have made their living borrowing to buy, selling cheap goods or superfluous goods are in for a rough time.

The deflationary viewpoint has always presumed that holders of vital goods would sell their goods at severe discount to service their debt. Such is not true. Any wholesale supplier can tell you that they have no right to recourse for recovery of their merchandise from a debtor. They risk loss of merchandise unless their buyers payup; never much left for supplier-creditors in any bankruptcy proceeding, everybody else gets paid from the sale of your merchandise.

What does the term "flight to quality" mean? No, we're not talking about buying paper, not even T-Bills or Govt Bonds. Quality merchandise will be sought after, competed for by those still holding dollars. Sellers will maximize profits in an unusual market, ancillary junk will be moved to allow more quality mdse to replace it; at least as long as there is any stabilty and product to buy in-country, and delivery for the goods available.

Tract houses in ticky-tacky subdivisions will devalue. Homestead-Survivalist properties will soar in price. Value is where it is under changing conditions.

Money will decline in utility when there is no supply chain. Once mdse stocks in-country are depleted, that may be all she wrote.

Thinking that you are going to scoop up "bargains" becaus cash is king in a deflationary environment will be a FATAL ERROR. Those with essential and quality goods will be king. Those who did not see the writing on the wall and prepare long befoe are behind the 8-ball. Junk is always known to be shoddy. It is bought with the idea that, "When this wears out, I'll get another; maybe even cheaper." When persons realize they may have to wait months or years to resupply, they will pay for the best they can get.

America has been wrecked by deliberate design. Actual costs of exporting all production hidden by EZ Credit and manipulated fuel prices. All that made America a juggernaut of production is gone. None of this is buy accident, which is why a Trigger Event will occur and cause capitulation or cessation of the Nation itself. That is the plan, after looting all deposits and funds.

While you still have time, while you can still buy quality goods and preparedness items, I encourage you to take action. Food, water purification gear, defensive weapons and other self-sufficiency items will be a Godsend to you and your family; if you exercise the foresight to prepare and not believe the deflation lie. There will be no deflation on goods you will want to buy, but if you wait to supply your family you will pay premium if you can buy the goods you want at all.

Gresham's Law is applicable to any situation. When cheaper goods enter a market to fill the void of quality goods, the cheaper goods will command the same price. Compare a Peace Dollar to a Susan B. Anthony and see if that isn't so.

Before your money loses its acceptance, use it. Money is a tool. Fiat money is no store of wealth as many will soon learn.

Final Warning

Call me an old man. Call me crazy. Call me anything you want. But I get stuff from people all over the world. And these days I've been paying close attention to the US economy BECAUSE it's been so weird lately.

OK, I'm NOT saying this guy has all the answers, but some of what he's BEEN saying has been dead on the money. You would literally have to have been in suspended animation and just awoke today to not know that the mortgage market in the USA IS having problems.

Will this lead to a recession or a depression? No idea. The authors three reasons WHY the Fed can't save the economy IS an interesting look at the process though.

Have we as a country been riding a tidal wave of debt that is about to crash on to the shores of reality? Probably.

This will also effect every person in the world. The USA is the machine that 'eats' (consumes) the largest amount of goods and services in the world. If that slows down or ceases, this will be felt world wide. There are no other economies currently prepared to 'fill the void a USA in a depression would create' that I'm aware of.

So, take this with the proverbial grain of salt. I REMOVED all 'This guy trying to sell you his services' type links. I would NEVER click on any links provided by someone I didn't know. The only link left is the one to the FULL article, including all the links I deleted.

But, as the title says, you have your 'FINAL WARNING'.

Almost sounds sinister, doesn't it?

me

PS - Now if I was a conspiracy theorist, I would say that this has all been set in motion to collapse the value of the dollar, so that the 'people' will demand relief, ANY RELIEF. The government would comply by rolling out the Security and Prosperity Partnership (SPP) which basically combines Canada, USA and Mexico into the North American Union (NAU) and this would allow the roll out of the new currency they have been itching to foist upon us called the Amero. All this can be verified with simple Google searches of either the SPP, the NAU or the Amero. But hey, that's ONLY if I was a conspiracy theorist...

You don't have to share this with anyone. Hell, just round file it if you don't want to read it yourself. No harm, no foul.

-------------------------------------------------------------------

Final Warning!
This is your final warning.
The tempest Mike Larson and I have been warning you about is here, and the time for protective action is now.
To see the storm, you no longer need the flat-screen window to the world that you get each day from CNBC or CNN. You don't even require the time telescope we've been giving you in Money and Markets.
All you have to do is get up from your chair, go to your door, and walk outside in the daylight.
That's where you'll see the U.S. housing market - the source of most of America's wealth - starting to crumble before your very eyes.
That's where you'll see large chunks of the U.S. mortgage market - the lifeblood of millions of Americans - being swept away by a flood of home foreclosures and mortgage company collapses .
In our recent no-punches-pulled web teleconference we told you about some of the recent casualties: American Home Mortgage of Long Island, bankrupt August 6th . Home Banc of Atlanta, bankrupt August 10th . and Aegis Mortgage of Houston, bankrupt August 13th.
Now, according to Merrill Lynch, there's another candidate for failure which is many times larger - Countrywide Financial.
The company has exhausted its $11.5 billion in credit lines. It has just received another $2 billion capital infusion from Bank of America. And it's still not enough.
Indeed, one top Bank of America executive privately believes that up to ninety percent of the country's Alt-A mortgages, a staple of Countrywide Financial's business, will eventually default. If so, it will easily crush all the cash and credit of many Countrywides.
Why Do I Believe Countrywide is Doomed to Failure?
Because Countrywide CEO Angelo Mozilo himself sees the industry and the economy going down for the count.
Just last week on CNBC, he admitted that the mortgage crisis striking America today is
"one of the greatest panics I've ever seen in 55 years in financial services."
He acknowledged that the troubles in the industry are going to continue.
He even predicted that the housing downturn is so bad it's likely to drag the economy into a recession.
My follow-up comment, also on CNBC:
"Even without a recession,
"Even with plentiful credit,
"Even with all those supposedly 'goldilocks' conditions .
"We have the worst foreclosure surges and the worst situation. So the question is:
"When you get a scarcity of credit .
"When you get a decline in the economy and a bigger pinch on the consumer,
"Then what are you going to see in the housing market? Then what are going to see in the mortgage market?"
Yesterday's New York Times hints at some of the answers:
"The Median Price of American Homes Is Expected to Fall This Year For The First Time Since Federal Housing Agencies Began Keeping Statistics in 1950.
"Rather than being limited to the once-booming Northeast and California, price declines are also occurring in cities like Chicago, Minneapolis and Houston, where the increases of the last decade were modest by comparison .
"On an inflation-adjusted basis, the national median price is not likely to return to its 2007 peak for more than a decade."
This home price decline is what's pulling the carpet out from under the mortgage market.
This is the key factor that's driving home owners into foreclosure and mortgage lenders into bankruptcy.
What's most amazing is that, despite abundant warning signs of trouble, virtually no one was expecting it. Yesterday's New York Times puts it this way:
"This reversal is particularly striking because many government officials and housing-industry executives had said that a nationwide decline would never happen."
Now, however, even economists with a natural inclination to deny or downplay the dangers are finally - but grudgingly - acknowledging what's long been obvious to analysts without an ax to grind.
For example .

Just go to CNBC's website, and see for yourself how many times Mike Larson has challenged Pollyanna industry experts face to face, demonstrating they were dead wrong about home prices "never falling."
Look at his interview .
? On March 27th, when he told viewers that bad mortgages were impacting a whopping 40% of home loan originations . that credit standards were tightening up fast . and that Americans must expect "slumping home prices for an extended period of time", or .
? On April 24th, when he debunked an analyst's "subprime-is-not-a-terribly-significant-event" pitch . and again warned of lower housing prices, or .
Now those warnings are coming true - and fast. The lesson to be learned:
Blind Faith in Officialdom
Could Cost You a Fortune!
This is not just an academic debate among armchair economists. Nor is it just a financial market phenomenon far removed from your daily life.
Quite to the contrary, the housing and mortgage bust could have a larger and more direct impact on your wealth, your job, your neighborhood, your city and our economy than any other single event in your lifetime.
So don't believe them when they say it's not a big deal.
Don't believe them when they say declines could "never happen."
Don't trust them when they talk about the "fundamental strength" of this or that real estate sector.
Most important,
Don't Be Lulled Into Complacency By the Myth That the "Almighty" U.S. Federal Reserve Will Magically Save The Day
The Fed will try to save the day. It will drop the Fed funds rate, pump in more money, pull a few new rabbits out of the hat, and periodically bring a loud chorus of cheers on Wall Street.

But they cannot succeed for three critical reasons:
Reason #1
The Mortgage Meltdown Is Too Big . and Too Far Gone
It has already engulfed trillions of dollars in loans.
It has already spread to 20,000 cities and towns across America.
It has already bankrupted lenders of subprime mortgages, Alt-A mortgages, jumbo mortgages, even prime, conventional mortgages.
Nearly a trillion dollars in mortgages is resetting at higher rates . or soon will be.
And trillions more may need emergency care.
Reason #2
The Nation's Mortgage Markets Are Largely Outside of the Fed's Control
When the Fed pumps money into the economy, it doesn't bail out mortgage lenders that have taken wild risks.
Nor does it go to Wall Street firms up to their ears in mortgage-backed securities.
The money goes almost entirely to commercial bankers, most of whom are running away from the mortgage markets as fast as their legs will carry them.
Result: For the Fed to persuade bankers to take the money is hard enough. To get them to dump substantial sums down the drain in the mortgage market is next to impossible.
Reason #3
U.S. Markets Have Sprung a Hundred Leaks, And U.S. Dollars Are Gushing Overseas
Many people think the Federal Reserve can just pump money into the U.S. economy, and that's where it stays.
Not true. The U.S. markets are like a bucket with a hundred leaks: The more money the Fed pours in, the more money that's likely to gush out - to Western Europe, China, and Japan.
International investors are being scared off by the dominos falling in the mortgage market. And they're scared off even more by the Fed's efforts to flood the U.S. market with increasingly worthless dollars.
Years ago, foreign money in the U.S. was a small factor. Today it's the single largest funding source for our national debt, and for the mortgage bubble itself.
When that money rushes back to its home country, the dollar's decline becomes a rout, and the rise in foreign currencies becomes an explosion.
What to Do ASAP
Step 1. Get a substantial chunk of your money to safety, including Treasury-only money funds. Favor those that have average maturities of 30-60 days.
Step 2. Consider buying some hedges.
If despite our recommendations to sell, you own investment real estate - or real estate stocks and bonds - Or if you own financial and other stocks,
Step 3. Diversify your savings globally.

Gold rebounding from subprime contagion

Financial markets plunged around the world over the last few weeks as the subprime mortgage crisis spread beyond U.S. borders. Who would have thought that when a homeowner defaults on his adjustable rate mortgage in Iowa, a major German bank would declare a crisis, French hedge funds would refuse to accept redemptions, central banks around the world would turn money supplies on like fire hoses, and the U.S. Federal Reserve would abruptly change from vigilance against inflation to a rescue mission for worldwide financial markets?


In the wake of the subprime contagion, precious metals and oil fell in tandem with paper assets. Many of our customers have been asking, shouldn’t precious metals be rising if paper assets are falling? If only things were simple the answer would be an emphatic, yes. The primary losers in the current debacle are speculative investors who purchased asset-backed securities that use subprime mortgages as collateral. These collateralized debt obligations have now become almost impossible to trade. The resulting liquidity crisis, fueled by banks refusing to lend to other banks, caused a selling panic that affected all markets. Precious metals, unfortunately, were caught in the down-draft, as we'll discuss in detail later in this update.


The most important thing to remember is that recent declines in precious metals are likely be short-lived, just like the ones following the Shanghai Surprise of late February, when a sharp drop in the Chinese stock market rippled through worldwide markets. On the heels of that contraction and liquidity crunch, gold fell from $689 to $640 in several trading sessions, and silver fell sharply as well. Within six weeks, however, they'd recouped all losses.


Gold has shown remarkable resilience in the face of the biggest international financial crisis in years. Yes, its recent fall from $685 to as low as $642 in inter-day trading was disappointing. But astute investors, immediately realizing that gold was suddenly on sale, quickly bid the price back up to over $650.



As the two-year chart reveals, gold has traded between $645 and $685 an ounce for most of 2007 and remains within its major 2007 trading range, indicated by the green support line and red resistance line. In addition, we're now able to see a much larger triangle pattern developing, as indicated by the longer blue trend lines. We've seen this type of pattern a few times before, with a flat top and a rising bottom; in each instance a higher gold price has followed. Today’s triangle pattern has a rising bottom and a somewhat declining top. In the present economic environment, it's difficult to believe gold will break lower once this triangle pattern comes to a full point in the coming months.


Since setting its May 2006 high of $730, gold has remained in an extended consolidation phase. The recent financial crisis in paper assets reinforces our belief that this phase is coming to end, perhaps more quickly than we expected. Gold's positive fundamentals have not changed—they remain exceptionally strong—but fundamentals for paper assets have changed dramatically for the worse, putting precious metals in a much stronger position going forward. We believe gold is fairly valued between $665 and $685 an ounce today and any price under $665 looks cheap to us.


Time will tell, naturally, but gold’s ability to hold within its primary 2007 trading range, despite the forced liquidation of hedge fund positions in metals, oil, and stocks, is a testimony to its fundamental strength and resilience in the face of extreme financial turmoil. There is simply too much fear afoot in financial markets to allow safe-haven gold to drop very far. And if these fears grow, the gold price will grow with them.

Fiat and gold/silver

The Denarius was the Coin of Rome like the British pound stirling is of Britain and the US Dollar is iof the USA.

It was first struck in 211 BC and last struck around 270-275...They started out 95% silver and ended 0%.

And no one seems to know why coins debase.

Population of the the city of Rome area according the the Roman census.

294 B.C. 262,321

14 A.D. 4,937,000

Population of the USA according to the census in 1790 3,929,214

Population of the USA according to the census in 2000 291,421,906

The census is every 10 years...Current estimate 302,738,220

Population inflation leads to an increased demand for money...

Unfortunately...Silver mines don't seem to be able to fall in love and reproduce...

So a more plentiful replacement was needed to be found to construct coinage out of...Or just kill off newborns at some point since there would not be enough metal produce to construct coins for them...

Or chastity belts...etc.

Unfortunately when you attempt to take away humanity's ability to reproduce and live forever...That is Threat #1 and Humanity rises up to destroy the threat to it's ability to continue existing...

"No, my friends, that will never be the verdict of our people. Therefore, we care not upon what lines the battle is fought. If they say bimetallism is good, but that we cannot have it until other nations help us, we reply that, instead of having a gold standard because England has, we will restore bimetallism, and then let England have bimetallism because the United States has it. If they dare to come out in the open field and defend the gold standard as a good thing, we will fight them to the uttermost. Having behind us the producing masses of this nation and the world, supported by the commercial interests, the laboring interests and the toilers everywhere, we will answer their demand for a gold standard by saying to them: You shall not press down upon the brow of labor this crown of thorns, you shall not crucify mankind upon a cross of gold."

--William Jennings Bryan

The USA is a rich person that has a total money supply of 46 Trillion dollars and is inflating that wealth by 11 Billion dollars a day or 1 Trillion dollars every 90 days...127 Thousand dollars a second, 7.6 Million dollars a minute, 458 Million dollars an hour.

In 1792 money was silver. The Spanish milled dollar was the most widely circulating coin in the New World.

"Eagles—each to be of the value of ten dollars or units, and to contain two hundred and forty-seven grains and four eighths of a grain of pure, or two hundred and seventy grains of standard gold."

"Dollars or Units—each to be of the value of a Spanish milled dollar as the same is now current, and to contain three hundred and seventy-one grains and four sixteenths parts of a grain of pure, or four hundred and sixteen grains of standard silver."

Article I, Section 8.

"To coin money, regulate the value thereof, and of foreign coin, and fix the standard of weights and measures."

Congress has the power according to the Constitution to arbitrarily fix or decree (Fiat) the standard of weights and measures in the USA...To coin money of the USA...To regulate the value of all coined money in the USA and of the USA.

That's what Article I, Section 8 says.

A group known as "We the people" gave them that power (Hint: The group known as "We the people" are the persons who wrote the Constitution)

The measure of the Dollar or unit was "fixed" at 371.25 Grains of pure silver.

The measure of the Eagle was "fixed" at 247.50 Grains of pure Gold that was worth 10 Dollars or units.

There are 480 Grains in 1 Troy ounce.

And according to the coinage act 247.50 Grains of pure Gold = 10 Dollars or units which is 371.25 X 10 or 3712.5 grains of pure silver.

480/247.50 = 1.94 X 3712.5 = 7202.25/371.25 = 19.40 Dollars or Units.

In 1792 1 Troy ounce of Gold was equal to around 19.40 Dollars or Units.

Or 2 Eagles = 20 Dollars or Units.

Then factor in..."Cents—each to be of the value of one hundredth part of a dollar, and to contain eleven penny-weights of copper."

So 11 pennyweights of copper = 3.7 grains of pure silver. or one hundredth of a dollar or Unit.

Ultimately a Trimetallic standard.

Silver as money of a "fixed" weight and measure with Gold and copper "fixed" in measure to Silver.

The USA only produces about 180 Thousand ounces of silver a day.

The US dollar as defined by the 1792 coinarge act of 371 grains of pure silver would produce about 232,727 dollars of coinage...

Enough to sustain the rich getting richer or the delusional lifestyles of the wannbe rich and famous you all currently take for granted for about 1.8 seconds.

In 1896 and 1900 The City of London/Bank of England/Rothchilds, sons and friends backed the Gold Republicans led by William McKinley against the Silver democrats led by William Jennings Bryan to get the below passed...

"The Gold Standard Act of the United States was passed in 1900 (ratified on March 14) and established gold as the only standard for redeeming paper money, stopping bimetallism (which had allowed silver in exchange for gold)."

That was the end of the US Dollar or Unit as defined in the 1792 coinage act right there...Checkmate.

The City of London/Bank of England/Rothchilds, sons and friends invented the Gold standard or "London Fix" to basically take over and control the world...

"Be it enacted . ., That the dollar consisting of twenty-five and eight-tenths grains of gold nine-tenths fine, as established by section thirty-five hundred and eleven of the Revised Statutes of the United States, shall be the standard unit of value, and all forms of money issued or coined by the United States shall be maintained at a parity of value with this standard, and it shall be the duty of the Secretary of the Treasury to maintain such parity."

The USA produces about 22 Thousand ounces a day.

Enough to produce 449,782 Dollars as defined in the 1900 Gold Standard act.

Enough to sustain the rich getting richer or the delusional lifestyles of the wannbe rich and famous you all currently take for granted for about 3.5 seconds.

Guess that's why there's the 1997 dollar

"The United States $1 Coin Act of 1997 was legislation passed by the United States Congress providing for a redesigned gold colored coin with a distinctive new rim. A major purpose of the Act was to allow for the replacement of the Susan B. Anthony dollar. The stockpiles of that coin had been depleted to the point that minting new coins would soon be required. The Sacagawea dollar was introduced as a result of the Act."

The current "decreed" U.S. Dollar is...

"The Sacagawea Dollar is the current United States dollar coin. This coin was first minted in 2000 and depicts the Native American woman Sacagawea. The obverse was designed by Glenna Goodacre and the reverse by Thomas D. Rogers."

"Obverse design: Sacagawea with her baby
Reverse design: A bald eagle in flight surrounded by 17 stars (for the number of states in the Union in 1804 at the time of the Lewis and Clark Expedition)."

88.5% copper
6.0% zinc
3.5% manganese
2% nickel

The U.S. Dollar or Unit was decreed (Fiat) in 1792 to be "Dollars or Units—each to be of the value of a Spanish milled dollar as the same is now current, and to contain three hundred and seventy-one grains and four sixteenths parts of a grain of pure, or four hundred and sixteen grains of standard silver."

The U.S. Dollar was decreed (Fiat) in 1900 "the dollar consisting of twenty-five and eight-tenths grains of gold nine-tenths fine"

The U.S. Dollar wes decreed (Fiat) in 1997 88.5%, copper 6.0%, zinc 3.5%, manganese, 2% nickel.

Monday, August 27, 2007

iphone tips and tricks guide

All of us folks who are lucky enough to already have an iPhone know how much fun they can be just to play around with. Playing with my iPhone a lot myself, I have discovered some cool tips and tricks that you may find useful.

1. If you tap once at the very top of the screen when you are on the internet, it will take you back to the top of the window rather than having to scroll all the way back up. A nice time saving feature.

2. If you set the font to the smallest size, you can read more in the internet window. An advantage of this is that when you want to click a link, you can pinch (expand) that area and the link will come up very large, making it much easier to click.

3. Rather than posting the full address of internet sites in bookmarks, you can post the equivalent RSS address instead into Apple's RSS reader and save that as your bookmark. This way you can quickly see if there's anything interesting on your favorite site rather than downloading the whole homepage.

4. If you are writing something and the iPhone flags a word as misspelled that you know is not misspelled, cancel the correction 3 times and the word will be put into the dictionary. If you write a lot, this feature is quite useful!

5. The magnifying glass is a nice iPhone tool when you are typing an email or any other text. If you tap once and hold, a magnifying glass will pop up showing you a zoomed in view of your words and cursor. You can now easily place the cursor wherever you want. This makes editing your writing very easy.

6. You can move icons around, but not on the home screen. You have to go to the ipod section. Go to iPod > More > Edit. Now you can drag your icons all around. This can also be done in the phone section.

7. To reset your iphone, hold down the right button and the "home" front button for about 6 seconds. To power it back on, push the top button. This is different than a regular shutdown, which can be done easily by holding the sleep/wake button for 6 seconds.

8. If you get a lot of spam e-mail or other unwanted e-mail, pay attention to this time saving feature. Add a link to Yahoo mail in Safari bookmarks. From there you can check 'delete all' to remove all unwanted e-mails. This is much easier than deleting hundreds of spam e-mails one at a time.

I hope you found these iphone tips helpful. If you have an iPhone and have been wondering how best to fill it up with music and movies, check out Top iPhone Downloads for the latest reviews of iPhone download sites.

how to handel fear

How sad it is to see people spend their lives haunted by fear. The joy of life is squeezed out of them by fear of failure, criticism, betrayal, change, rejection, loneliness, poverty, growing old, getting sick, losing one's job, and saying what is on their mind. They are afraid of death. But what is the point? The fear of death doesn't prevent them from dying; it merely prevents them from living.

Fear is like a mutating virus, always causing havoc. It transforms itself into suspicion, mistrust, anger, hostility, aggression, anxiety, worry, hopelessness, and a host of other negative emotions. In fact, most of humanity's problems stem from this primal emotion. Fear paralyzes us and builds an impenetrable wall that blocks our progress. We all will die, but how sad it is to die without having had the chance to meet the person we could have become, were it not for fear.

Our gravest problems are not losses and misfortune, for losses can be regained and ill fortune can be changed to good fortune, but our greatest problems are our fears. To a person of courage, problems and difficulties are mere obstacles that will be trampled on the march forward. On the other hand, even the smallest barrier forever blocks the way of the timid.

All our emotions are helpful tools meant to guide us. It is how we use them that make them positive or negative. For example, enthusiasm is generally helpful, but if I'm so enthusiastic that I act rashly, I may experience negative consequences. Fear is harmful when it is a product of my imagination and false beliefs and prevents me from doing what I wish. But when fear is based on rational thought, it issues a warning, which when followed, will protect me.

An example of the positive use of fear was given by Phyllis Schlafly, who was named one of the 100 most important women of the 20th century by the "Ladies' Home Journal." She wrote, "It's very healthy for a young girl to be deterred from promiscuity by fear of contracting a painful, incurable disease, or cervical cancer, or sterility, or the likelihood of giving birth to a dead, blind, or brain-damaged baby."

Yes, fear can lead us to making the right choices, but it is the debilitating effects of unjustified or irrational fear that is of concern here. How can we eliminate the fear that prevents us from reaching our potential? It starts with awareness. Although we may have no control over the events or circumstances that we fear, our anxiety is not part of those events. Our fear is merely our interpretation of the events. Our fear is composed of OUR thoughts. Once we accept this fact and take responsibility for our thoughts, we can begin to make progress.

Sometimes we cleverly hide our fears by disguising them. If we want to root them out, we need to be mindful of our thoughts and carefully analyze them. For example, when I say that I would prefer to remain in my present job because I am a cautious person, it may really mean that I am AFRAID to change jobs. Similarly, when I say that I'm not interested in computers, I may really be saying that I'm AFRAID of computers. Don't allow these or any other self-limiting beliefs hold you back

The cure for fear is action. You need to do what you fear. But you don't have to take giant steps. In fact, if you were to try to do so, you may fail and grow even less confident in your abilities. So, take small, baby steps. As you do so, each success will encourage and motivate you to continue. The rewards are well worth it. For as Henry Ford (1863 ~ 1947) said, "One of the greatest discoveries a man makes, one of his great surprises, is to find he can do what he was afraid he couldn't do."

Another weapon in our arsenal against fear is curiosity. Get involved with life. Learn as much as you can. Develop curiosity. Men and women risk their lives by boarding space vehicles not because they are reckless or fearless, but because they are curious. They are explorers yearning to go where few have ever been. You, too, can become an explorer. Your can explore your vast universe of inner space. You can plunge into the depths of your being and discover the courage to chart a new life, a new beginning. This year, resolve to live the life of your dreams. Kick down the barriers of fear and venture into the unknown. Dare to discover your hidden powers.

Yet another tool to fight fear is acceptance of what is. To experience the fullness and richness of life I should set goals and strive for growth. However, the goals I set are preferences. I don't cling to them and demand that they be fulfilled, for I cannot predict the future. Neither can I know how changing events may make my personal goals unattainable. But by being willing to adapt and change when necessary, I will eliminate fear of not reaching my goals. Instead of having a thwarted goal end in frustration and disappointment, it blooms into a valuable lesson and another step on the road to success.

Your imagination is like a powerful magnet that draws to it whatever you are anticipating. If you are expecting a bright and sunny life, lo and behold, that's exactly what you get. But if all you expect from life are dark clouds and gloom, prepare for storms, for they will surely come. Anticipation of fear can lead to explosive tension. Or, as Alfred Hitchcock (1899 ~ 1980) said, "There is no terror in a bang, only in the anticipation of it." When we use our imagination to focus on the positive, it is empowering and liberating. Yet, when we use it to focus on the negative, it is paralyzing and crippling. Consider the words of Epictetus (50 ~ 120), "It is not death or hardship that is a fearful thing, but the fear of death and hardship."

Become sensitive to your feelings. When you are aware of them, you can control them rather than have them control you. When you feel afraid of doing something you should be doing, stare fear in the face. Say, "I'm not afraid of you. I welcome and embrace you. But it is I, and not you, that will decide what I am afraid of. I welcome fear. I welcome being afraid of losing my potential. I have decided to be afraid of living with regrets. I'm fed up with becoming a puny person that is startled by the sound of my own footsteps. So, I have decided to act and do what I fear. I welcome you, fear, as a friend, for you always point the way I can experience more growth. From now on, whenever I feel fear, I will pause to discover whether the lesson you bring is to avoid danger or accept a new challenge. By fearing what I should, I avoid suffering, and by not fearing what I should not, I achieve success."

Discovering the joy of life can be as simple as being willing to accept discomfort. Barbara Streisand explains, "I can say, I am terribly frightened and fear is terrible and awful and it makes me uncomfortable, so I won't do that because it makes me uncomfortable. Or I could say get used to being uncomfortable. It is uncomfortable doing something that's risky. But so what? Do you want to stagnate and just be comfortable?" Well, what do you think? Do you want to stagnate and just be comfortable?

tips to save during grocery store shopping!

No doubt about it, convenience foods save you time. But - and it's a big but - convenience foods don't save you money. If you rely on frozen dinners, helper foods, kits and take-out you are spending too much money on food. These tips will help you lower your bills and eat healthy, flavorful meals.

1. Plan meals by the week.

2. Make a grocery list, grouping foods by category. (Meat, dairy, produce, etc.)

3. Only buy what is on your list. Don't succumb to impulse buying or kids' demands for products hyped on TV.

4. Shop at stores that have the most specials.

5. Use coupons for healthy foods only. Don't buy a product just because you have a coupon.

6. Roll your cart past "helper," "partner," "bakes" and "kits." These products are over-priced, over-salted, and you can't even pronounce some of the ingredients.

7. Mix up your own rubs. They take only minutes to make and you can customize them to your tastes.

8. Buy store and less-known brands, often made by top manufacturers.

9. Buy lean hamburger. It is better for you and there is less waste.

9. Drink water instead of pricey soda pop, which is often loaded with sugar and erodes your teeth.

10. Make your own salad dressing. You'll save a bundle!

11. Make your own granola. Lots of recipes are posted on the Internet and kids will enjoy helping you.

12. Eat boxed hot cereal, not the kind in packets.

13. Buy day-old bread and coffee cake. The bread is perfect for French toast and grilled sandwiches. Stale coffee cake makes some of the best bread pudding you will ever taste.

14. Stores put pricey foods - the foods they want to push - at eye level. Bend down and look on the bottom shelves for bargains.

15. Learn how to cut up a whole chicken.

16. Eat seasonal fruits and vegetables.

17. Buy staples in bulk.

18. Make your own pudding. You will get twice as much for your money.

19. Buy a refrigerated or prepared crust and make your favorite pizza.

20. Use meat for flavor, as in stir-fry, instead of making it the feature of the meal.

21. Maximize leftovers. Make cream sauce for a little left over spinach. Use leftover vegetables in soup.

22. Put leftovers in sturdy plastic zipper bags to prevent freezer burn and waste. Label and date the bags.

23. Turn old bread into new, delicious croutons. Cut the bread into cubes, drizzle it with olive oil, sprinkle with garlic powder, oregano and basil. Bake in a 350 degree oven until crispy.

24. Make your own baking mix and store in a tightly covered jar. (Recipes are posted on the Internet.)

25. Involve kids and grandkids. The involved kids of today will turn into smart shoppers tomorrow.

how to plan your life out!

Your life can't go according to plan if you have no plan. Without goals and plans to reach them, you are like a traveler lost in the wilderness without a map. It's time to map out your future, for success comes to those who plan. What happens to those who don't? Well, Ben Franklin (1706 ~ 1790) has the answer, "By failing to prepare, you are preparing to fail."

A poor plan, however, can do more harm than good, so don't act too quickly.
For as Matthew Prior (1664 ~ 1721) wrote, "Who walks the fastest, but walks astray, is only furthest from his way." Therefore, take your time and be thorough. On the other hand, don't get stuck in the planning stage. Don't become paralyzed because your plan isn't perfect. Just make sure you have a clear destination in mind and have listed all the steps you have to take to get you where you want to go. To help you get started on your way, here are some goal setting tips.

1. Write down your goals. Doing so helps you to focus on them. As you write them down and refer to them in the future, they will clarify in your mind and lead to new insights. Always ask yourself what you want from life, what is preventing you from getting it, and what are you going to do about it. Use the power of questions to develop your plan.

2. Define your goals. Get down to specifics. Be precise. Avoid vagueness.
For example, "I want to be rich" is a poor goal because your subconscious does not know how to define "rich." Your subconscious can be a powerful ally in helping you achieve your goals, but it needs to be told precisely what you want. "I want to earn more money" is another example of a poor goal. Why? Because merely earning one dollar a month more than previously would result in successfully achieving your goal! So once you did so, your subconscious may stop looking for more ways to earn money. Here is an example of a good goal, "I want to earn $170,000 a year by age 40." Make all of your goals equally clear.

3. Set goals that make you stretch. If you're overweight, trying to lose one pound a year is an example of a poor goal. To be worthwhile your goals should lead to significant improvement. But don't overreach either. Trying to lose ten pounds a week, for example, would most likely lead to failure. Far better to set your goal to one pound a week. Overreaching ends in failure, while goals that are too easy prevent growth. Strive for balance. Your goal should stretch you, yet be attainable.

4. How will you benefit from achieving your goal? Why is it important? Write down the answers to these questions and keep them handy. Why? Well, there are two voices in your head, and both are saying, "I want." One is saying "I want to do what feels good" and the other is saying "I want to do what is best for me, even if I have to make an effort to do so." Both voices are competing for your attention. One is focused on immediate gratification. It is the voice that urges you to avoid your responsibilities and seek pleasure. For instance, if it is time to go to the health club to exercise, the voice may say, "I can go next week. Instead of exercising, I want to watch TV, or go drinking with friends, or go shopping, or take a nap." To avoid listening to the wrong voice, refer to your answers to the two questions mentioned above. Focus on the benefits and remind yourself why it is important to maintain your exercise program. Focusing on the reasons to change will help you to stay motivated.

5. Set deadlines. Without a date, it's not a goal, but a wish. Each step you have to take to reach your goal should have a completion date. Each task is a mini-goal, and as one is completed, the next one begins. Each task or step you take brings you closer to your goal. As long as you keep taking steps, it is impossible not to reach your destination.

6. Subject each goal to a reality check. Are you fully committed? Are you willing to do whatever it takes to succeed? Do you understand that anything worthwhile needs some effort to achieve? Are you willing to pay the price? If not, instead of wasting time, switch to a goal that you can commit to.

7. Make sure your goal is measurable. That is, you need to have a way of measuring success. For instance, your goal may be to lose 1 ~ 2 pounds a week, drink 8 glasses of water a day, walk 10 miles a day, or read 10 pages of a book each day.

8. What are the obstacles you have to overcome? How will you overcome these roadblocks? What other hurdles could appear and how will you get over them?
Anticipating and preparing for the obstacles you are likely to face will increase your likelihood of success.

9. Plan your work; then work your plan. If your plan is completed, carry it out. Put it into action. Implement it. No matter how small, do something each day to bring you closer to achieving your goal. Check off each task as you complete it. Seeing your own progress will inspire you to continue.

10. Regularly monitor your progress. Life is synonymous with change. Expect the unexpected. Changing circumstances may make it impossible to stick to your original plan. Remain flexible. Look for options, solutions, and opportunities. If you can't do the best thing, do the next best thing. Adjust and adapt your plan when necessary. You can change your direction as often as you wish, as long as you keep moving forward (closer to what you want or what is possible). Review your goals daily to remain focused on them.

11. Persist. If you persist, it is impossible to fail. In fact, failure doesn't exist, only learning experiences exist. If you learn from your mistakes, they become stepping-stones to success.

12. Nothing succeeds like success. Let your achievements fan the flames, keep you motivated, and spur you on to bigger and greater goals.

It may seem like many steps to take, but the prize is most certainly worth the effort. Also, the job of planning your life can be made much easier with the help of some software. A good example can be found at: http://www.personal-development.com/mylifeplanner/

how to earn an onine BA degree!

A good education has, is and will continue to remain the hallmark of a fine gentleman. Age makes no difference, a well educated individual is usually the most prepared for success. This is the reason why governments all over the world continue to spend billions of dollars on providing their citizens with education. Especially in our modern day one where a solid education is an absolute essential. And online bachelors degree may be just what you are looking for.

But while a lot has been done to ensure that everyone at least completes a basic bachelors degree, many people cannot get their degrees after high school because of the fact that they need to work right away. The reasons could be many, but the fact remains that there are a number of people who, despite wanting to, are unable to acquire a bachelors degree. This is where online bachelors degree become such a wonderful option.

Ever since the internet became a ubiquitous part of our lives, all sorts of content has been delivered over it. The latest content is in the form of online bachelors degree. Online bachelors degrees are basic degrees that are offered by traditional colleges and universities but are now taught over the Internet. By transmitting course content and instruction through the world wide web, online bachelors degrees now allow those who cannot attend traditional colleges the chance to earn their bachelors degree.

Time, convenience and affordability are definitely factors for those individuals considering an online bachelors degree. With the improvement of technology today and the increase in quality offerings from institutions, and online bachelors degree is becoming more and more accepted. Websites like www.directoryofschools.com, www.college-scholarships.com, www.elearners.com and www.online-education.net contains an extensive list of established colleges and and universities that offer online bachelors degrees. There was a time when an online bachelors degree was considered to be a quick and hassle free, and consequentially inadequate option of learning. But over time, as more and more students have begun seeking online bachelors degrees, more and more credibility is now being associated with this educational option.

Probably the greatest benefit of an online bachelors degree is the fact that you can still work full-time job while you are obtaining it. So, you literally earn your online bachelors degree while you learn. In many cases it is quite a bit cheaper getting your degree this way due to the lower costs associated with it. Traditional universities are so expensive because of the costs of upkeep for their physical properties. All one needs in order to earn an online bachelors degree is a computer with an internet connection, and enough self-discipline and motivation to do the work that is necessary. If you feel that you can do this, then obtaining an online bachelors degree will soon be on your mission accomplished list.

seven tricks of 100,000$ income people!

In my work with hundreds of coaches, consultants, and small business owners, I have found that there are specific actions that have created their success. Here are seven success elements that they use effectively to earn $100,000 plus a year. By focusing on these important elements, you too can grow your business to reach this goal.

Six-Figure Professionals Focus and Target their Efforts Professionals who narrow their market earn more and have less stress. They operate in a market that can afford their service and one that has future potential to keep it up.

They know how to say "no" to anything that detracts from their plans and their goals. They go after their goals with tenacity and never listen to others telling them how hard or impossible whatever they are working towards is. They ask questions to the right sources and listen to those higher than they are on the "food chain."

They know their target markets well; what they like and do not like. They stay current with the economic conditions of those industries and watch for shifts that can affect their affiliation or revenue. They speak the lingo of their markets and know their problems and challenges like they know the back of their own hand.

Six-figure service professionals act fast when an idea occurs and have a professional support team available that responds quickly and plays full out with them. They have the "adapt and adopt" principle down pat.

Risk and fear is something they kick regularly in the "assets." It doesn't stop them and barely slows them down. Six-Figure Professionals Have a Strategy

Ninety percent of all six-figure professionals generate some sort of passive income. They know that there are only so many hours in the day and only so high a ceiling they can charge before their market peaks. One of their highest priorities is to generate products that create money 24/7.

Six-figure professionals know that they need to create attractive packages and offers that are irresistible to their market. They create new packages frequently and sell in multiple streams (across multiple media bridges and target markets).

Six-figure coaches fine-tune in seconds. If they do not have an answer, they have generated a source that does. They ask or research it immediately and continue moving. Their strategy is always changing. Sometimes they don't have time to put down all the details in their plan, yet they always have enough time to complete a moving strategy with just enough details so that they know it is worth their resources.

Six-Figure Professionals Have all the Skills they need to Succeed

Since six-figure output requires a higher percentage on the service delivery end, six-figure professionals have the skills needed to run a business and be an expert yet not a perfectionist.

Professionalism is basic for them. It comes easily because they watch and listen well. Their people skills are effective and productive. They do not fool around with doubters or wait around for an answer. Their attitude is "you either have it or you don't." And when you don't, they are leave quickly and never look back.

Six-Figure Professionals Have a Positive Attitude Even though six-figure professionals try many things, creating excellence instead of perfect as they go, they also have just as many projects that don't work. Most of their projects succeed once out of every ten tries. They don't dwell on the ones that don't for more than a second. They recalculate (adapt) and come back in the game swinging (adopt). Failure is not in their vocabulary.

They expect success and they expect it now -- not later. They move, switch, shift and change 50 times faster than most individuals. In some circles, they are called -- movers and shakers -- only because they don't allow dust to accumulate.

Six-figure professionals don't wait for all the answers before jumping on something hot. If it’s hot, they make room on their agenda and put together key people to help get it completed.

Six-Figure Professionals Have a Steadfast Marketing System Six-figure professionals don't lose a client and then get a new client. They don't gain two and lose three. Their statistics are gain five and send everyone over to buy passive income items. They are more likely to gain five and lose one. Their attrition rate is low and they have a plan that keeps it down. They monitor their attrition rate.

They know what will sell to their target market and what will not. They usually break even and never take a loss. They have developed a dependable marketing system that virtually guarantees results as long as they continue to grease its wheels. They consistently stock the fire of what is fueling their marketing engine.

Six-figure independent professionals have the help they need: either an in-house assistant, part or full-time, or a virtual assistant to handle the administrative duties. They have mastered marketing principles and practice them easily every day. Their learning level focuses on high-end features, benefits, and advantages and watching the economy to see how it is changing and how it affects their customers.

Six-figure professionals write well and know how important communication is to their success. They use editors consistently. They write consistently and have a writing process that supports their goals and objectives. They have learned to write productively and use the material /information over many ways.

Six-Figure Professionals Mastered Their Sales Process Six-figure service professionals have a simple, reliable sales process that they have developed over the course of their growth. It runs smoothly and reliably and only requires occasional maintenance and economic adjusting. They have an effective way of handling their phone calls. They prequalify prospects in ways that don't require their time, using their web site, other personnel, or through an e-mail process.

Six-figure independent professionals have a script for handling every type of objection. They write out new ones as soon as a new objection appears, create the type of response they want, and practice it until it sounds natural. They welcome objections and learn to use them to create writing material for their web site, articles, and scripts.

They say what the client needs to hear, never take things personally, and remain unattached to the outcome. Their listening and intuitive skills are well developed and they use them to the max. They put their clients first and place value before revenue at the top of their list of objectives. Are You a Six-Figure Professional?

Most non-six-figure professionals don't know what it takes to make six figures even though it is their commonly stated goal. They need to remember that each level requires a different way of thinking and the shifts in their thinking need to be mastered quickly and pursued aggressively.

Let me leave you with one of my own personal, favorite quotes: "The level of thinking you are experiencing today will not serve you in the next level you are reaching for."

how to create passive income

Got a 9 to 5 job? Been going to work everyday? Do you exert too much effort for your tasks? Do you spend even your break time fretting over your toils? Are you exhausted physically, mentally and emotionally? All these and you still get the same old meager salary you received the other month!

Don’t you just want to wake up on a Monday morning with a big smile on your face and enjoy a hearty breakfast afterwards? Don’t you just want to laze around the house, without stress and worry, knowing your bank account will have a long way to go?

Read on then.

You need to put together your acts and take the way to earning passive income. Passive income is a way of generating revenue with minimal effort from your part. It is earning more by working less! Don’t you just love the sound of it?

There are just a few initial pointers for you to build a good foundation for your passive income resources. Invest some of your time and money to prepare on any of the following or for all, and wait for profits to rake in 24/7.

1. Website - Create a passive income through your own website. Of course, we’re talking online; your website is a must. Invest on the appearance, content and popularity of your website and after that, moving for ways to earn passive income would come easy. Bank your expertise and knowledge on your website to achieve this goal.

Once you’ve got yourself a considerable amount of regular visitors, you can move for a membership site. The members will be charged a monthly fee to access the website. They would be willing enough to do so, considering the expertise and knowledge you’ve established.

2. Affiliate Programs – Create passive income from selling. You can have products of other companies sold through your website. All you have to do is find a company that sells products or services related to the theme of your website and link. The company will do everything, from supplying the product, pursuing the sale and shipping. You get commission for every sale made! Better yet, look for a company that gives higher commissions!

Create passive income also with the affiliate programs by sending out e-mails to everyone you know. You can send out e-mail to every person in your mailing list to check out the affiliate program. Create a good message and send. If someone in your address book gets interested, clicks on it and buys, you’ve got yourself a check at the end of the month!

3. Search Engines – Create passive income by hosting a search box on your website. This would again require a website that gets countless hits in a day. Then locate a search engine that would pay to have their search boxes posted on your website. Whenever a search was done through your website, you get more dough in your bank account.

4. Online Products – Create passive income by coming up with your own software product or e-book. If you’ve got some unique talent or valuable knowledge to share, earn from it. All you have to do is organize that skill or knowledge, craft it into an e-book or software, afterwards, sell it online. This would not cost you much. Just make it accessible to the people out there thirsting for knowledge.

5. Advertise – Create passive income through advertisements. If you get to attract many visitors in a day, you can have ads and banners posted on your site, for a fee. Create passive income also through advertising in your software, e-book or newsletter. Once you’ve set up the ad, you can expect your monthly pay.

No sweat? Actually, it is really easy. You don’t have to spend all of your time on it. Come to think of it, you just have to put an initial outlay of time, effort and a few bucks.

Creating passive income would surely more than to be thankful for. Think of the free time you will gain and on what you would be doing that moment! You will have more time for yourself, more time for your family, more time to go out with friends, more time to play at the same time, you will have more money!

So, go ahead, do some serious work for just one time, maybe just one night, and after that, you can just sit back, relax and enjoy!

How to maximize your adsense earnings!

Most webmasters know that Adsense generates a sizeable source of additional advertising income. That is why most of them use it to go after high paying keywords. They have with them the lists that tells what the keywords are and have already used various methods of identifying them. And yet, after putting up these supposed-to-be high paying keywords into their pages, the money they expected to come rolling in is not really coming in.

What is it that they are doing wrong?

Having the pages is with the proper keywords is one thing. But driving visitors to those pages is another matter and often the factor that is lacking.

The thing is, to get visitors to your high paying keyword pages, you need to optimize your site navigation.

Stop for a moment and think about how visitors are using your website. After a visitor has landed on a certain page, they have the tendency to click on another page that sounds interesting. They get there because of the other links that appears on a page that they initially landed on. This is site navigation. It is all about enabling visitors to move about your site. And one way of maximizing your Adsense earnings.

A typical website have menu links on each page. The wording on these links is what grabs a visitor’s attention and gets them to click on one of the links that will take them to another page of that website. Links that have “free’ or “download” are oftentimes good attention-grabbers.

This navigation logic can also be applied to driving traffic to your high paying pages. There are some websites that are getting a lot of traffic from search engines, but have low earnings. The trick is to try and use come cleverly labeled links to get the visitors off that pages and navigate them to the higher earning ones. This is one great way of turning real cheap clicks to real dollars.

Before you begin testing if this same style will work for you and you website, you need to have two things. Something to track and compare and some high earning pages you want to funnel your site traffic to. An option is to select a few of your frequently visited pages. This is ensuring fast result to come by.

Now, the next thing to do is think of ways to get visitors viewing a particular page to try and click on the link that will take them to your high earning pages. Come up with a catchy description for that link. Come up with a catchy and unique description for the link. Think of something that people do not get to see everyday. That will trigger their curiosity enough to try and see what that was all about.

You can also use graphics to grab your readers’ attention. There is no limitation to what you can do to make your link noticeable. If you are after the success of your site, you will do everything it takes just to achieve that goal. Just be creative. As far as many Adsense advertisers are concerned, there are no written and unwritten laws to follow regarding what they write. Just as long as you do not overstep the guidelines of the search engines, then go for it.

Also remember that it is all about location, location and location. Once the perfect attention grabbing description has been achieved, you have to identify the perfect spot on your page to position that descriptive link to your high paying page.

There is nothing wrong with visiting other websites to see how they are going about maximizing their site navigation. “Hot pages” or “Most read” lists are very common and overly used already. Get to know the ones that many websites are using and do not try to imitate them.

Another way of doing it is to try and use different texts on different pages. That way you will see the ones that work and what does not. Try to mix things around also. Put links on top and sometimes on the bottom too. This is how you go about testing which ones get more clicks and which ones are being ignored.

Let the testing begin. Testing and tracking until you find the site navigation style that works best for you site.

how to prevent yourself from getting banned through adsense

Here is a list of preventive steps that you can adhere to prevent from being banned by AdSense

1. Don't let your friends know about your Google Adsense money making program and advice family members not to click on the ads.

You can let tons of friends into your website but don't let them know bout making money through ads. Ya most of them know what Adsense is all about but telling them u are trying to make money from the ads is as good as telling them to help click on them. Some cases of fraudalent clicks are from friends who are too clever in their own clause who thought they are helping but instead will get u banned. It is important to tell your family members not to click on the ads because you'll most likely share the same router and therefore same ip. Google will determine that as a fraud click.

2. Don't make yourself detestable

Sure if you have a site earning from Google Adsense and you have some enemies and they knew about it chances are that they are clicking on your ads now. There is a case that i read up in a forum in which one guy broke up with his girlfriend and she took revenge by asking other people to help click on the ads and it ended up with his account getting banned. Moral - try not to offend too many people and do not get a smart girlfriend :P.

3. Email Adsense politely and professionally about accidental or fraud clicks.

Your lil sis been sitting on your pc all day clicking all over the places leaving you dumb-founded when you discover it. There has been similar cases where a polite email telling them what happened will justify the surge in ad clicks. Google Adsense Support has been notoriously known for not replying emails but in most cases as long as you are polite, there is a great chance they will reply your email.

4. Use a real time Google AdSense monitoring system
asRep is a tool for tracking the details of Google AdSense activity on your web pages in real-time.

It also reports related information about your websites, the referring websites, the visitors and the Adsense elements on your pages.Using this as a tool, check up the clicking ips. If there is a sudden surge of clicks from a single ip, email AdSense ASAP bout it or ban that ip from visiting your website.

5. Update urself well wif google's policies.

Ya sure, you wouldn't want to be banned because you violated a new policy that Google AdSense imposed. Always keep up to date with the latest policies.

how to start making money with adsense!!!!

Adsense is considered as one of the most powerful tool in a website publisher’s arsenal. It enables a person to monetize their sites easily. If used properly, it can generate a very large and healthy income for them. However if you are not using them rightly and just maximizing the income you squeeze from it, you are actually leaving a lot of money on the table. Something all people hate doing.

How you can start earning money with Adsense can be done easily and quickly. You will be amazed at the results you will be getting in such a short period of time.

Start by writing some quality content articles which are also keyword incorporated. There are a lot of people given the gift of being good with words. Writing comes easy for them. Why not make it work in such a way that you will be earning some extra cash in the process.

There are actually three steps to put into mind before you begin writing your ads and having an effective Adsense.

Keyword search. Find some popular subjects, keywords or phrase. Select the ones which you think has more people clicking through. This is actually a keyword selector and suggestion tool that some sites are offering to those who are just their Adsense business.

Writing articles. Start writing original content with keywords from the topics that you have achieved in your search. Take note that search engines are taking pride in the quality of their articles and what you will be writing should keep up with their demands.

Quality content site. Build a quality content site incorporated with Adsense ads that is targeting the subject and keywords of your articles and websites. This is where all that you’ve done initially will go to and this is also where they will prove their worth to you.

The proper positioning of your ads should be done with care. Try to position your ads where surfers are most likely to click on them. According to research, the one place that surfers look first when they visit a certain site is the top left. The reason behind this is not known. Maybe it is because some of the most useful search engine results are at the top of all other rankings. So visitors tend to look in that same place when browsing through other sites.

Some of those who are just starting at this business may think they are doing pretty well already and thinking that their clickthrough rates and CPM figures are quite healthy. However, there are more techniques and styles to generate more clicks to double your earnings. By knowing these techniques and working them to your advantage, you will realize that you will be getting three times more than other people who have been previously doing what they are doing.

Finally, Adsense has some excellent tracking statistics that allows webmasters and publishers to track their results across a number of site on a site by site, page by page, or any other basis you wanted. You should be aware oft his capability and make the most of it because it is one powerful tool that will help you find out which ads are performing best. This way, you can fine tune your Adsense ads and focus more on the ones being visited the most rather than those who are being ignored.

Another thing you should know. Banners and skyscrapers are dead. Ask the experts. So better forget about banners and skyscrapers. Surfers universally ignore these kinds of ad formats. The reason behind this is that they are recognized as an advert and advert are rarely of any interest that’s why people ignore them.

To really start making money with Adsense, you should have a definite focus on what you wanted to achieve and how you will go about achieving them. As with any other kind of business ventures, time is needed coupled with patience.

Do not just ignore your site and your Adsense once you have finished accomplishing them. Spare some time, even an hour, making adjustments to the Adsense ads on your sites to quickly trigger your Adsense income.

Give it a try and you would not regret having gotten into Adsense in the first place.

Making money with your blog: guide

If you are putting hours into writing content for your blog, you may want to make a few bucks (or more) to help pay for hosting charges and other costs associated with running it. Some bloggers find that they can make more than just small change, but most not enough to quit their day job. In any case, here are a few of the more popular methods.

Several ways by which you can make money with your weblog include Google Adsense, Amazon Associates, various other affiliate programs, advertising, and donations. Keep in mind that the success of these programs is highly dependent upon your content and the level of traffic you get to your site.


Google Adsense

Since its launch in the spring of 2003, ads by Google have proliferated throughout the world of blogs and other sites, making it easy for thousands of website owners to make money from the content on their sites. Usually it's not a lot of money, but the ads are easy to implement, relevant to the content on your pages, and unobtrusive compared to the blinking banners and seemingly self-propagating popup ads on many sites.

To be able to put Google Ads on your site, you first need to be accepted into the Google Adword program. Go to https://www.google.com/adsense/ to apply. Google will monitor your site to see if you have the traffic and the content that would pull in sufficient clicks to make your participation in the program worthwhile to Google and to you. Sites with focused content make the best candidates. If accepted into the program, all you need to do is place a bit of javascript on one or more of your site templates to create the ads.

How much money can you expect to make from Google Adsense? Google doesn't allow its participants to publicly share their clicks and earnings data but you can make a rough estimate. The average click-through rate for online advertising in general is around 0.5 to 1.0%. With that rate, if you get 1000 page views per day (pages with Google ads on them), you should expect anywhere from 5 to 10 clicks per day. What will each of those clicks pay? Well, that depends on your content and the keywords on your page that are triggering the ads being served. You can see what ads might be served on your site by entering your URL at the tool on this page or by installing the Adsense Preview Tool. When a visitor clicks on a Google Adsense ad, the hosting website gets a small fee, ranging anywhere from 3 cents to $12 per click or more. You can sign up to be an advertiser on the Google Adword program for $5 and see how much advertisers are paying Google for various search word click-throughs.

Unless your weblog is about some obscure subject, about which advertisers are willing to outbid each other, thereby driving up the amount paid per click, you can count on an average range of 5 cents to 50 cents paid per click. A thousand page views per day, at 1.0% click-through rate and 10 cents per click will yield you a whopping $1.00 per day. Not much, but it should certainly cover your hosting fees, or if you use a hosted blogging service like Typepad, your service fees. Note that weblogs devoted to product reviews like http://pvr.blogs.com/ will generate a higher fee-per-click than political commentary blogs as sellers of the high ticket items will compete to drive up the fees paid to get placed on the ad.

Here is a table showing the fees you could expect for every 1000 page views:



Google also recently added the WebSearch tool to its Adsense program. Place a Google search bar on your site, either for searching your site content or the web (or both), and if someone clicks on the sponsored search results, you earn a commission.


Affiliate Programs

Another popular way to generate income from your weblog is through signing on with an affiliate program. Here's how they work. A company lets a website owner place a link or button on your site promoting the company's product. When one of your site visitors clicks on the link or button, the visitor is taken to a landing page to be induced to buy something. If the visitor buys something, you get a commission from the company. Sometimes the commissions are for leads, but most often they are for completed sales.

The most popular Affiliate program in the blogosphere is Amazon's associate program. If you are an Amazon associate (click here to sign up for the program), when you place a link to a book on Amazon from your site and someone clicks through that link and buys the book, you get a commission. Typepad is integrated with the Amazon Associate program so that you can automatically earn a commission from your Reading and Music Typelists if you are an Amazon Associate. For Movable Type users there is the MTAmazon plugin which can simplify the process of linking to Amazon. You don't need to use the plugin however. All you need is the ISBN number for practically anything that Amazon sells and you can look up the correct link to use from Amazon.com's website. For estimating potential revenue, multiply your expected click-through rate by an expected conversion-to-sale rate. Amazon used to post the average conversion rates, but I don't think they are doing that anymore. As I recall the average conversion rate is between 2 and 3%. Assume an average commission for books and CDs at 75 cents per sale. You'll probably find that the resulting expected revenue is much lower for the Amazon associates program than for Google Adsense. But, once you set up a link you're done. I'm still earning commissions off of links I set up 5 years ago. It's not much, but it does help offset my book-buying habit.

Other affiliate programs can help pull in revenue to your site, especially if they are for products that have something to do with the content on your site. Commission Junction is the leading affiliate network, making it very easy for individual website owners to participate in affiliate programs. Ebay, Barnes & Noble, Match.com, IBM, Dell, Expedia.com all offer affiliate programs through Commission Junction.


Advertising

In addition to Google and various affiliate programs you can also take advertising directly from advertisers for your site. Tom Hespos outlines the steps in Yes, Blogs Are a Great Advertising Environment. One company that operates as a network of bloggers that accept advertising is Blogads. Blogads will take a very reasonable 30% commission of ads it places on your blog. To host BlogAds on your site you need to be invited by someone already part of the BlogAd network. Another blog ad network is CripsADS which will switch to text CPC ads when there are gaps between advertiser purchasing cycles.

Donations and Tip Jars

The fourth method for generating site income that I want to mention is the Tip Jar. By opening an account with PayPal you can make it easy for people to give you money by placing a simple button on your site. Here's a tip jar for Learning Movable Type I set up for the purposes of this tutorial:


I honestly don't know how well these Donate buttons perform. I would imagine that the more useful the content is on your site to those who read it, the more likely they are to offer up a donation.


Driving Traffic to Your Weblog

The more people that come to your site, the more who will eventually click on a Google ad or an affiliate link. This topic deserves much more explanation than I have room for in this tutorial, but here are the highlights.

Content - The more focused your content, the more you will attract visitors to your site who are interested in the same content. Sites with focused content also encourage more inbound links from other sites that will connect to your site as a resource for their visitors.

Search Engine Optimization - The single most effective thing that you can do to increase traffic to your site is to help people find your site through search engines. To do that you need to follow good guidelines for Search Engine Optimization (SEO). See Optimizing Your Blog for Search Engines for more details of the steps you can take to help your entries get high rankings from search engines.

RSS - By releasing your content in an RSS or Atom syndication feed, you make it easier for people to keep up with the changing content on your site. See What Does Syndicate This Site Mean? for more explanation about RSS. Make it easy for your site visitors to learn about RSS by posting a link to an explanation.

Subscriptions - Some people would rather get an email announcing an update to your site than use an RSS newsfeed program. Make it easy for people to stay connected to your site by having them sign up for a subscription to get email announcements of your updates. See Email Notifications for more details.

In Conclusion

Following the steps and programs outlined above may not make you rich, but it may help support your blog habit. I'm trying to keep up with developments in this topic area, so if you have a link of interest or know of a company that is successully operating in this space please let me know about it in the comments. Thanks!

Links:
Making Sense of Adsense - Anil Dash has a good discussion about Google Adsense on his site.
Using Adsense Channels with Movable Type - how to get data of Adsense revenue on a page by page basis.
Blogging for Dollars - Matt Haughey's tale of getting set up with Adsense.
10 Steps to Effective Search Engine Optimization
Bloggers find ways to profit - SFGate article
Making Money With Blogs - a good overview from bigmoneytips.com.
Overview of Ad Revenue Models - from Michael Moncur.
More How to Make Money with Your Blog Sites - from Robin Good.
Affiliate Tip Blog - by affiliate program maestro Shawn Collins.
ProBlogger.net - a blog devoted to helping bloggers earn money.
Google Adsense Tips - a WebmasterWorld Forum.

Top four secrets of becoming a millionaire

1) Live below your means

Being a cheapass is what this comes down to. If you are spending more than you make how will you ever be able to save up and become wealthy?

2)Avoid the status lifestyle and purchasing status objects

Purchasing brand name or luxury cars is always a bad idea. When people think of millionaires they think of people driving ferraris and wearing rolexes. Most millionaires don't live this type of lifestyle.

3) Take risks if the return is worth the reward

I am not talking about investing in stocks. Millionaires buy businesses and invest in venture capital. They also don't speculate or gamble. You see, the only people making money in the stock market are the insiders. If you are not an insider and you are trading stocks you will have a difficult time making any real value. One good example of this is Warren Buffet. When Buffet invests in a company he doesn't just buy 10-15% of the company he buys a huge stake in the company so he can have a significant impact on the decisions of the company. He also looks for good management. He does this because he knows for a fact that the managers are insiders who will make or break the company. Most small time investors who invest in the stock market are actually speculating. They invest in a security hoping it will go up without really understanding the whole picture.

4) Millionaires teach their kids about money.

This one often doesn't get mentioned often. Millionaires will teach their kids at a young age how to budget, invest and manage their money. This is very important because people who are not millionaires often avoid these types of skills and their kids end up having to use their parents money.

twenty amzing tips that will allow you to live until 100 years old

Life expectancy for both men and women has continued to rise with improvements in diet, awareness and medical care. In 2002, life expectancy for females born in the UK was 81 years, compared with 76 years for males. This contrasts with 49 and 45 years respectively at the turn of the last century in 1901.

These estimates are expected to increase further over the coming years, and to ensure that you are one of those helping boost future life expectancy figures, realbuzz.com have prepared a list of 20 great tips to help with putting off the inevitability of death for as long as possible…

1. Have a good laugh

Research states that laughter may be beneficial to health. Laughing appears to boost the blood flow (by more than 20%) and researchers say it may reduce the risk of developing heart disease. Laughing has previously been found to help fight infections, relieve hay fever, ease pain and help control diabetes. The positive effect of laughing is thought to last around 30-45 minutes.

2. Adjust sleeping time

Life expectancy may be reduced by sleeping more than eight hours a night. A study found that people who get only six to seven hours sleep a night live longer than those who sleep eight hours or more, or less than four hours.

3. Eat more garlic

Garlic has been referred to as ‘nature’s antibiotic’. It is a powerful cleanser of the body and regular ingestion promotes a healthy heart and circulation by lowering blood pressure and cholesterol, and also helps fight infection and boost immunity. There is also strong evidence to suggest that garlic helps with the prevention of cancers of the digestive system, including the esophagus, stomach, colon and rectum. Those who don’t like the taste of garlic should try the odorless supplements that are available.

4. Boost your sex life

Having sex between 3-4 times a week is thought to reduce the risk of having a heart attack or stroke in half. During sex, the average person maintains their heart rate above 70% of the maximum, making sex a wonderful cardiovascular workout! Sex reduces stress, leads to greater contentment and better sleep.

5. Drink tea

Many bodies of research support the view that tea is good for your health. Scientists tend to agree that tea, both black and green, may contribute positively to the promotion of health and the prevention of chronic disease. Recent research studies reveal the antioxidants in tea may inhibit the growth of cancer cells, support dental health, increase bone density and strengthen cardiovascular health. According to a study published in Circulation: The Journal of the American Heart Association, heart attack patients who were tea drinkers decreased their risk of death by up to 44%, as compared to non-tea drinkers.

6. Drink more red wine

Any excuse to drink more has good to be good! Recent studies show that drinking around one glass of red wine a day may have certain health benefits by protecting against certain cancers and heart disease, and can have a positive effect on cholesterol levels and blood pressure. Excessive or binge drinking, however, unfortunately doesn’t produce the same benefits.

7. Regular self examination

For women this means regularly examining their breasts, and while breast cancer is not unknown among men, males should regularly check their testicles for lumps. It is important to get to know how your body parts normally feel and look, and report any changes, such as a lump, to your doctor. More often than not, lumps prove to be benign, and these types of cancer are usually curable if they're caught early enough.

8. Have regular smears/prostate test

Women will usually be called once every one to three years for a smear test, and should make sure they attend when requested. Cervical screening probably prevents around 2,500 deaths a year in the UK. Prostate cancer is one of the most common forms of cancer in men and is second only to lung cancer as the biggest cancer killer. There are varying viewpoints about how often men should have a test and at what age. Testing should start at the age of 50, or at the age of 40 if in high-risk groups, such as black men or those with a father, brother or son with the disease. However, if you have any concerns go and visit your doctor.


9. Monitor your bowel behavior

Any dramatic change in bowel habits such as an increase in constipation, or passing blood should be referred to a doctor immediately. It could prove be something as simple as piles (hemorrhoids), or worse case scenario could be bowel cancer, which is important to discover as early as possible.

10. Drink more water

Most people are unaware that the recommendation is that the average person should drink around eight glasses of water a day. The human body is made up of between 55 and 75% water, and is in need of constant water replenishment.
11. Get more friends
Research suggests that friends help people live longer. Research in the Journal of Epidemiology and Community Health says that socializing with friends is beneficial.
Good friends will promise to be there for you, and their presence can actually help you live longer, researchers say. Australian scientists said having friends around in old age can do more for life expectancy than having family members around, and that friends may encourage people to look after their health, and help reduce feelings of depression and anxiety at difficult times.

12. No smoking

Everyone is aware of the potential catastrophic effect of smoking. It is better not to start at all, but the sooner a smoker quits, the better. Because the damage caused by smoking is cumulative, the longer a person smokes the greater the risk of developing a smoking-related disease, such as lung cancer or heart disease. Quitting not only saves money, but also has added health benefits. Within one year after quitting, the risk of a heart attack falls to about half that of a smoker, and within ten years, the risk of lung cancer falls to about half that of a smoker. In Britain, about 120,000 a year die through smoking – that’s more than 300 every day.

13. Relax

Relaxation reduces blood pressure and helps reduce stress-related conditions such as depression. A relaxation technique such as yoga or meditation can help reduce stress levels.

14. Get a pet

Owning a pet has a surprising amount of health benefits for the owner, according to a series of studies. Ownership of a pet, particularly a dog, means people are more active. Animals are known to reduce anxiety both from the actual physical comfort from stroking them, but also because they are a distraction and something pleasant to focus on. They are also good friends to many and provide a source of amusement, making us laugh.

15. Exercise

Exercise is known to reduce the risk of heart disease, high blood pressure, osteoporosis, diabetes and obesity. It keeps joints, tendons and ligaments flexible, and contributes to mental well-being by helping treat depression, relive stress and anxiety. Exercise also aids better sleep. Even if you are pushed for time, exercise could be gained simply by walking up stairs rather than taking the lift, or even try walking or cycling on shorter journeys rather than taking the car.

16. Eat more fruit and vegetables

Eating plenty of fruits and vegetables can help ward off heart disease and stroke, control blood pressure and cholesterol, and prevent some types of cancer. It is recommended to eat at least five servings of fruit and vegetables a day.

17. Change job

Research suggests a strong relationship between how long people live and the nature of their jobs. According to UK Government statistics, for the period 1997-99, life expectancy at birth in England and Wales for males in the professional group was 7.4 years more than that for those in the unskilled manual groups. The gap between the social classes was smaller for women than for men, at 5.7 years.

18. Have a happy marriage


Married people tend to have better health than unmarried people. For instance, married individuals tend to be able to have lower rates of alcoholism than their unmarried counterparts because they tend to offer encouragement, support, and protection from daily problems. They are also more able to handle stress better as a result. However, studies suggest that divorcing then remarrying actually increases the risk of dying prematurely.

19. Be optimistic

People with a positive outlook on life can actually live longer. Researchers found that optimistic people decreased their risk of early death by 50% compared with those who leaned more towards pessimism.

20. Eat chocolate

Chocolate contains flavanoids and antioxidants which have positive health benefits. Flavanoids aid cardiovascular health, while antioxidants are believed to prevent or delay certain damage to the body’s cells and tissues. Dark chocolate is considered best as it contains more than twice as many antioxidants as a bar of milk chocolate, and has fewer calories.

20 amazing tips that will allow you live until you are 100 years old

Life expectancy for both men and women has continued to rise with improvements in diet, awareness and medical care. In 2002, life expectancy for females born in the UK was 81 years, compared with 76 years for males. This contrasts with 49 and 45 years respectively at the turn of the last century in 1901.

These estimates are expected to increase further over the coming years, and to ensure that you are one of those helping boost future life expectancy figures, realbuzz.com have prepared a list of 20 great tips to help with putting off the inevitability of death for as long as possible…

1. Have a good laugh

Research states that laughter may be beneficial to health. Laughing appears to boost the blood flow (by more than 20%) and researchers say it may reduce the risk of developing heart disease. Laughing has previously been found to help fight infections, relieve hay fever, ease pain and help control diabetes. The positive effect of laughing is thought to last around 30-45 minutes.

2. Adjust sleeping time

Life expectancy may be reduced by sleeping more than eight hours a night. A study found that people who get only six to seven hours sleep a night live longer than those who sleep eight hours or more, or less than four hours.

3. Eat more garlic

Garlic has been referred to as ‘nature’s antibiotic’. It is a powerful cleanser of the body and regular ingestion promotes a healthy heart and circulation by lowering blood pressure and cholesterol, and also helps fight infection and boost immunity. There is also strong evidence to suggest that garlic helps with the prevention of cancers of the digestive system, including the esophagus, stomach, colon and rectum. Those who don’t like the taste of garlic should try the odorless supplements that are available.

4. Boost your sex life

Having sex between 3-4 times a week is thought to reduce the risk of having a heart attack or stroke in half. During sex, the average person maintains their heart rate above 70% of the maximum, making sex a wonderful cardiovascular workout! Sex reduces stress, leads to greater contentment and better sleep.

5. Drink tea

Many bodies of research support the view that tea is good for your health. Scientists tend to agree that tea, both black and green, may contribute positively to the promotion of health and the prevention of chronic disease. Recent research studies reveal the antioxidants in tea may inhibit the growth of cancer cells, support dental health, increase bone density and strengthen cardiovascular health. According to a study published in Circulation: The Journal of the American Heart Association, heart attack patients who were tea drinkers decreased their risk of death by up to 44%, as compared to non-tea drinkers.

6. Drink more red wine

Any excuse to drink more has good to be good! Recent studies show that drinking around one glass of red wine a day may have certain health benefits by protecting against certain cancers and heart disease, and can have a positive effect on cholesterol levels and blood pressure. Excessive or binge drinking, however, unfortunately doesn’t produce the same benefits.

7. Regular self examination

For women this means regularly examining their breasts, and while breast cancer is not unknown among men, males should regularly check their testicles for lumps. It is important to get to know how your body parts normally feel and look, and report any changes, such as a lump, to your doctor. More often than not, lumps prove to be benign, and these types of cancer are usually curable if they're caught early enough.

8. Have regular smears/prostate test

Women will usually be called once every one to three years for a smear test, and should make sure they attend when requested. Cervical screening probably prevents around 2,500 deaths a year in the UK. Prostate cancer is one of the most common forms of cancer in men and is second only to lung cancer as the biggest cancer killer. There are varying viewpoints about how often men should have a test and at what age. Testing should start at the age of 50, or at the age of 40 if in high-risk groups, such as black men or those with a father, brother or son with the disease. However, if you have any concerns go and visit your doctor.


9. Monitor your bowel behavior

Any dramatic change in bowel habits such as an increase in constipation, or passing blood should be referred to a doctor immediately. It could prove be something as simple as piles (hemorrhoids), or worse case scenario could be bowel cancer, which is important to discover as early as possible.

10. Drink more water

Most people are unaware that the recommendation is that the average person should drink around eight glasses of water a day. The human body is made up of between 55 and 75% water, and is in need of constant water replenishment.
11. Get more friends
Research suggests that friends help people live longer. Research in the Journal of Epidemiology and Community Health says that socializing with friends is beneficial.
Good friends will promise to be there for you, and their presence can actually help you live longer, researchers say. Australian scientists said having friends around in old age can do more for life expectancy than having family members around, and that friends may encourage people to look after their health, and help reduce feelings of depression and anxiety at difficult times.

12. No smoking

Everyone is aware of the potential catastrophic effect of smoking. It is better not to start at all, but the sooner a smoker quits, the better. Because the damage caused by smoking is cumulative, the longer a person smokes the greater the risk of developing a smoking-related disease, such as lung cancer or heart disease. Quitting not only saves money, but also has added health benefits. Within one year after quitting, the risk of a heart attack falls to about half that of a smoker, and within ten years, the risk of lung cancer falls to about half that of a smoker. In Britain, about 120,000 a year die through smoking – that’s more than 300 every day.

13. Relax

Relaxation reduces blood pressure and helps reduce stress-related conditions such as depression. A relaxation technique such as yoga or meditation can help reduce stress levels.

14. Get a pet

Owning a pet has a surprising amount of health benefits for the owner, according to a series of studies. Ownership of a pet, particularly a dog, means people are more active. Animals are known to reduce anxiety both from the actual physical comfort from stroking them, but also because they are a distraction and something pleasant to focus on. They are also good friends to many and provide a source of amusement, making us laugh.

15. Exercise

Exercise is known to reduce the risk of heart disease, high blood pressure, osteoporosis, diabetes and obesity. It keeps joints, tendons and ligaments flexible, and contributes to mental well-being by helping treat depression, relive stress and anxiety. Exercise also aids better sleep. Even if you are pushed for time, exercise could be gained simply by walking up stairs rather than taking the lift, or even try walking or cycling on shorter journeys rather than taking the car.

16. Eat more fruit and vegetables

Eating plenty of fruits and vegetables can help ward off heart disease and stroke, control blood pressure and cholesterol, and prevent some types of cancer. It is recommended to eat at least five servings of fruit and vegetables a day.

17. Change job

Research suggests a strong relationship between how long people live and the nature of their jobs. According to UK Government statistics, for the period 1997-99, life expectancy at birth in England and Wales for males in the professional group was 7.4 years more than that for those in the unskilled manual groups. The gap between the social classes was smaller for women than for men, at 5.7 years.

18. Have a happy marriage


Married people tend to have better health than unmarried people. For instance, married individuals tend to be able to have lower rates of alcoholism than their unmarried counterparts because they tend to offer encouragement, support, and protection from daily problems. They are also more able to handle stress better as a result. However, studies suggest that divorcing then remarrying actually increases the risk of dying prematurely.

19. Be optimistic

People with a positive outlook on life can actually live longer. Researchers found that optimistic people decreased their risk of early death by 50% compared with those who leaned more towards pessimism.

20. Eat chocolate

Chocolate contains flavanoids and antioxidants which have positive health benefits. Flavanoids aid cardiovascular health, while antioxidants are believed to prevent or delay certain damage to the body’s cells and tissues. Dark chocolate is considered best as it contains more than twice as many antioxidants as a bar of milk chocolate, and has fewer calories.