Medicare

Cost control’s the key – Los Angeles Times
SDNNCost control’s the keyLos Angeles TimesAnd it’s not an assault on the elderly — although Medicare Advantage plans would lose their extra subsidies, prescription drug benefits would increase …New CBO analysis says the Senate bill reduces the deficit. Still.Washington Post (blog)Senate-passed health care bill would cut deficitThe Associated PressThe White House Kindly Requests You Do Not Refer to Its Health Care Budget …Reason Online (blog)Atlantic Online (blog) -WalletPop (blog) -FOXNewsall 115 news articles »

Social Security

LifeLock pays $11M to settle false-ad charges – MiamiHerald.com
KMOX.comLifeLock pays $11M to settle false-ad chargesMiamiHerald.comSome ads even included the company CEO’s Social Security number to demonstrate his confidence in what the company offered. Florida and other states, …Bessemer Defiant, LifeLock Moves Forward After FTC SettlementWall Street Journal (blog)How to prevent identity theftSeattle Post Intelligencer (blog)LifeLock fined $12 million over lack of life-locking abilityArs TechnicaCNET -Philadelphia Inquirer -TechNewsDailyall 453 news articles »

If MLM Is So Easy, Why Do I Keep Failing?

For all the hype and hoorah, most MLMers make less than they spend on their businesss. and most of those who survive into Year Two make less than $500 per month.

Those are terrible odds! Did you sign up in your business so you could make less than $500 per month? I doubt it!

you probably didn’t sign up to make $500 per month. More likely, you were attracted by the possibility of becoming financially independent. So what can you do to enhance your chances?

Unless you’re fortunate enough to have a tech-savvy sponsor, you’re probably not going to get much help finding a way to build your business on the internet. It’s not your sponsor’s fault though. (Keep in mind that if he or she is “average”, they have no idea how to build a network!)

Internet use has been widespread for 15 years or so, but it’s just recently become a viable recruiting tool. Most MLMers are still in the Dark Ages when it comes to recruiting and technology. The majority of networkers get into an opportunity because the product they’re selling had an impact on their health, their weight, or some other tangible benefit.

Here’s a secret your sponsor might not have told you: your product is not important to your success! Please don’t misunderstand me: unless you’re an absolute sleaze-bag, you want to represent a good product and a reputable company. (Who but a sleaze-bag would knowingly sell a crappy product from a disreputable company?)

If you want to sleep well at night, you have to sell a quality product from a company that provides good customer service. Since you’re going to devote a lot of your free time to telling others about your product, you want a company that will take care of your customers, otherwise you might suddenly find yourself not getting invitations to parties, dinners, and family get-togethers.

Your Product Is Not Important To Your Success! Products come and go. There’s a new weight-loss product every week.

People will be attracted to you as a sponsor for one of two reasons. First, you can effectively help them envision a future of financial independence rather than financial bondage and debt, and secondly, you can prove to them that you have a system they can duplicate quickly and easily.

The reason most people fail in MLM is that once they’ve signed up for their primary opportunity, they have no idea what to do. It’s really weird that in the Internet era, the same old garbage advice is handed down from sponsor to recruit: “make a list of 100 people and start calling them.”

OMG! Who in their right mind wants to call 100 people who don’t want to hear about a business opportunity? (Actually, I know someone who LOVES to do that. Thank God for Caller ID. I can avoid his calls and not hurt his feelings! He’s not in his right mind.)

The internet is underutilized for MLM recruiting because it seems like you have to be a computer genius or a web wizard to take advantage of it. (I’ve personally tried to sell real estate on the internet and I know how difficult it can be to maintain a website like that. Even managing a simple site can a sane person crazy.)

If you have those skills, marketing and computer programming, you could create a product that hundreds of thousands of network marketers would want, so please don’t let me dissuade you from trying. I might be the first to sign up!

The best system I’ve found is a two-part system. Part one is Mike Dillard’s Magnetic Sponsoring. Mike’s specialty is teaching the networker marketers MINDSET. Unless you have the right mindset, you’re going to approach prospects the wring way. Not one MLMer in a hundred knows this vital piece.

The second part is called MLM Lead System Pro, which is a turn key system for building an online recruiting “machine” that’s extremely effective and easy-to-implement.

I’ve been recommending Magnetic Sponsoring to my team and their response has been universally positive. If you’re new to the industry and still trying to figure out how to do “the right way”, I recommend you check it out by clicking the link in my signature.

After struggling to build his MLM for many years, John Zehr discovered a way to attract new distributors almost magically. He’s offering free training videos that explain the “Magnetic Sponsoring” technology in detail in a his clear and east to follow style. Click here to get your own unique version of this article with free reprint rights.

A Shockingly Simple Stocks Momentum Indicator

Trend trading is the one of the best and most profitable trading strategy used by many traders. Infact, spotting a trend at the right time and riding it till the end can make you rich. When you are trading a trend, you are intereste din knowing how fast the trend is changing or what you may call moving whether it is moving up or down. When the rate of change of a trend goes up, it means that the price action is soon going to follow suit and rise as well!

What we have been talking about is Momentum! Just like high school physics, momentum is the rate of change and is calculated by dividing the closing price today by the closing price ten days back and multiplying it by hundred.

This gives you the momentum indicator. If the prices didn’t go anywhere momentum indicator will be 100. If the prices went up, the momentum indicator will be greater than 100 and the prices went down, the momentum indicator will be less than 100. Now, a trend is expected to continue if the momentum indicator is greater than 100.

Momentum is a leading indicator. It tells you what is likely to happen in the future not what happened in the past. Momentum trading is done with some attention to the fundamentals. When key business fundamentals like the sales or profits are accelerating at the same time the security price is going up, momentum is likely to continue.

Now, investors can also use momentum in their investing decisions. Momentum investors are looking for securities that are rising in prices especially if accompanies by acceleration in the underlying growth. The knock on momentum investing is that instead of buying low and selling high, your goal is to buy high and sell even higher.

What a momentum investor is looking for is a security that is going to move big. But this move big is going to happen on a long term horizon instead of a few days. The expectation is to make money on the longer term. The thought is that if the security is starting to go up in price, it will keep going up in prices unless something dramatic happens to change. In the meantime, you can make a lot of money.

There are many way to do momentum investing. One is the price momentum that we have talked above. The other can be Earning Momentum. If you are a long haul investor who keeps an eye on the financial statements of different companies and you find that the quaterly earnings are going up steadily from one quater to another. What this means is that the stock price will also accelerate and follow suit.

Mr. Ahmad Hassam has done Masters from Harvard University. Get this 49 page Quantum Swing Trading Report plus the shocking Profit Button Report that applies no matter what you trade- stocks, forex, futures or options FREE. Download this very simple 1 Minute Forex Trading System FREE that makes money anytime instantly.

Home Security Tips – How To Make Your Home Unappealing To Thieves

These days everybody is anxious about the security of their homes and rightly so! According to official American government figures, the number of house burglaries has increased by nearly ten percent in the last five years to about fourteen million per year.

That is a great deal of homes. I was burgled ten years ago and I have studied and done my best to never be one of those statistics again. In this article, I will pass on some of my home security tips on how to make your home unappealing to thieves.

The first thing to think about is whether you have anything in your garden, shed or garage that will help a thief get into your house. Things like ladders, crow-bars, screwdrivers, sledge hammers. If you do, then lock them away. Keep the shed and garage doors locked at all times. If you have a ladder that will not fit in the shed or garage, chain and padlock it to a brick wall, so that nobody can use it to get in.

Never believe that your home is less at risk just because you or someone else is inside it. Some burglars are crazy and it is easier to ask someone where the money is than to try to find it yourself. It is easier to demand the keys to the safe than to break the lock. I know. thieves came into my house while I was at work. They saw my safe, but could not get into it, so they came back three nights later when I was at home. It was truly not pleasant.

Do not put a spare front or back door key under the mat, a flower vase or near-by rock. Thieves expect people to do that and it is the first place they look. If you are thinking about leaving a key with a neighbour, pick your neighbour carefully. In fact select the family well. Does the family have teenage kids? If so, could their friends learn that that ’spare key’ is to your home? Do you trust all the friends of that children? Do you even know them?

Beware of people you do not know. I do not mean be fearful, but someone asking to make an urgent call because of a ‘breakdown’, could be casing your house or sizing you up. If you want to help, make the call for them or direct them to the nearest public telephone booth or a shop.

Keep all your doors and windows locked. If reasonable locked shut, when you are away from the house, but you can get window-stay locks so that you can lock a fanlight window ajar a few inches too. This is very helpful in the summer or if you have animals. Lock upstairs windows too – your neighbour may have a loose ladder that a thief can use.

Do not flaunt your valuables unnecessarily. Video recorders, DVD players and even the TV can be put in cabinets. Jewellery should be put in a box or a safe. Cash the same. Your house is a home, not a presentation case to would be criminals.

My last home security tip to make your home unappealing to thieves is to stay alert and to advise your neighbours of any slip-ups they are making too. If you can raise the general perception of crime in the people around you, everyone will be a lot more secure.

Owen Jones, the author of this piece, writes on many topics, but is currently involved with wired home security systems. If you are interested in Security Systems For Home Use, please click through to our site.

Social Security

LifeLock to pay $12 mln to settle charges over ads – Reuters
KMOX.comLifeLock to pay $12 mln to settle charges over adsReutersTodd Davis, LifeLock’s chief executive, has been known for putting his Social Security number in ads to show confidence in his service. …LifeLock settles with FTC for $12 millionCNNMoney.comUnder settlement agreement, LifeLock can’t claim to prevent all types of …Seattle Post Intelligencer (blog)Lifelock fraud alert firm to pay $12M in ad suitThe Associated PressChicago Tribune (blog) -Hilton Head Island Packet -Courthouse News Serviceall 353 news articles »

Retirement Plan

Pension watchdog says Nummi Plan underfunded – San Francisco Chronicle
Pension watchdog says Nummi Plan underfundedSan Francisco ChroniclePBGC spokesman Gary Pastorius said the agency assumes the pension Plan will terminate when the Plant closes April 1 and, if its takeover is approved, …and more »

Medicare

Medicare Advantage: Where’s the advantage? – Tulsa World
The Quincy CoveMedicare Advantage: Where’s the advantage?Tulsa WorldKen Neal: Medicare Advantage should be junked, because most of the advantage is to the health insurance giants, not sick people. …Cardone: Health care iron triangle must endThe Daily Toreador (registration)President Obama’s health care plan lacks adequate cost controlsExaminer.comSeniors face higher Medicare costsDallas Morning NewsThe Coloradoan -Seeking Alpha (blog) -Salt Lake Tribuneall 64 news articles »

Retirement Plan

Earlier Retirement: Beating Back the High Fees – Wall Street Journal
Earlier Retirement: Beating Back the High FeesWall Street JournalJeff Powelson knows how tough it is to fight for lower fees in a 401(k) Retirement Plan. He tried to get his employer to add lower-cost …and more »

Medicare

Seniors face higher Medicare costs – Dallas Morning News
Seniors face higher Medicare costsDallas Morning NewsThey’re likely to become even more outspoken as monthly premiums rise on popular Medicare Advantage plans with drug benefits. Seniors in those plans will …Medicare enrollmentFederal Times (blog)$4 Billion in Fraudulent Medicare Charges Found in 2009HealthLeaders MediaCurbing Healthcare CostsU.S. News %26 World Report (blog)DesMoinesRegister.com -Medical News Today (press release)all 7 news articles »

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