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Effects of Volatility on the Time Spread

2007-12-31T05:21:00.000-08:00

When purchasing a time spread, the investor should pay attention to not only the movement of the stock price, but also the movement of volatility. It plays a very large roll in the price of a time spread, which is an excellent way to take advantage of anticipated volatility movements in a hedged fashion.

Option Volatility

Since the time spread is composed of two options, the investor should understand the role of volatility in options as well as in time spreads. Let us start with option volatility.

We measure an option's volatility component by a term called Vega. Vega, one of the components of the pricing model, measures how much an option's price will change with a one-point (or tick) change in implied volatility. Based on present data, the pricing model assigns the Vega for each option at different strikes, different months and different prices of the stock.

Vega is always given in dollars per one tick volatility change. If an option is worth $1.00 at a 35 implied volatility and it has a .05 Vega, then the option will be worth $1.05 if implied volatility were to increase to 36 (up one tick) and $.95 if the implied volatility were to decrease to 34 (down one tick).

Keep these facts in mind as we continue to discuss Vega:

1. Vega measures how much an option price will change as volatility changes.
2. Vega increases as you look at future months and decreases as you approach expiration.
3. Vega is highest in the at-the-money options.
4. Vega is a strike-based number. It applies whether the strike is a call or a put.
5. Vega increases as volatility increases and decreases as volatility decreases.

It is important to note that an option's volatility sensitivity increases with more time to expiration. Further out-month options have higher Vegas than the Vegas of the near term options. The further out you go over time, the higher the Vegas become. Although increasing, they do not progress in a linear manner. When you check the same strike price out over future months you will notice that Vega values increase as you move out over future months.

The at-the-money strike in any month will have the highest Vega. As you move away from the at-the-money strike in either direction, the Vega values decrease and continue to decrease the further away you get from the at-the-money strike. Remember, Vega (an option's volatility component value) is highest in at-the-money, out-month options. Vega decreases the closer you get to expiration and the further away you move from the at-the-money strike.

The chart below shows Vega values for QCOM options. Observe the important elements. The stock price is constant at 68.5. Volatility is constant at 40. Time progresses from June to January. Finally, the strike price changes from 50 through 80. Notice the increasing pattern as you go out over time and how the value decreases as you move away from the at-the-money strike.

Chart 3- VegaStock Price 68.5 Vol. 40
Strike June July October January
50 0 .008 .064 .114
55 .004 .030 .102 .153
60 .023 .063 .135 .184
65 .053 .090 .157 .205
70 .056 .094 .165 .215
75 .032 .077 .154 .213
80 .011 .052 .142 .203

Another important fact about Vega is that it is a strike-based number. This means that the Vega number does not differentiate between put and call. Vega tells the volatility sensitivity of the strike regardless of whether you are looking at puts or calls. Therefore, the Vega number of a call and its corresponding put are identical.

The chart below shows the Vega values for calls and the corresponding puts. As you can see, these values match up in every instance.

Chart 6
Strike Price Call Vega Put Vega
June
60 .023 .023
65 .053 .053
70 .056 .056
July
60 .063 .063
65 .090 .090
70 .094 .094
October
60 .135 .135
65 .157 .157
70 .165 .165
January
60 .184 .184
65 .205 .205
70 .215 .215

Vega can also calculate how much a specific option's price will change with a movement in implied volatility. You simply count how many volatility ticks implied volatility has moved. Multiply that number times the Vega and either add it (if volatility increased) to the option's present value or subtract it (if volatility decreased) from the option's present value to obtain the option's new value under the new volatility assumption. The calculation works on individual options and can analyze the value of the time spread.

Apply Vega to Time Spreads
Now, let us apply the concepts of Vega to the Time Spread. When you apply the Vega concept to time spreads, you observe that as implied volatility increases, the value of the time spread increases. This is because the out-month option, with the higher Vega will increase more than the closer month option with the lower Vega. That widens or increases the spread.

The chart below shows a time spread and its reaction to increasing volatility. Each time that implied volatility increases, the value of the time spreads increase. This increase would naturally favor the buyer.

Chart 4
Stock Price $ Vol. June/July 65 Oct/July 65
65.5 30 1.09 2.09
65.5 40 1.43 2.75
65.5 50 1.77 3.41
65.5 60 2.11 4.05
65.5 70 2.49 4.60

If an investor bought the time spread at low volatility and within a few weeks volatility had increased and pushed the spread price higher, the investor could sell the spread at a profit even before expiration.

Of course, the Vega can also demonstrate the opposing effect. As implied volatility decreases, the spread tightens or decreases in value. As volatility comes down, the out-month option with its higher Vega will lose value more quickly than will the nearer month option with its lower Vega. In the chart below, you will see how decreasing volatility affects the time spread's value.

Chart 5
Stock Price $ Vol. June/July 65 Oct/July 65
65.5 70 2.49 4.60
65.5 60 2.11 4.05
65.5 50 1.77 3.41
65.5 40 1.43 2.75
65.5 30 1.09 2.09

Glance back to Charts 4 and 5. Take note that the stock price is constant. The changes in the price of the spreads are due to the change in volatility.

We discussed how to use Vega to calculate an option's price when volatility changes. The same calculation method works for time spreads but the calculation is slightly more difficult.

Base Volatility

Spread traders must understand how to properly calculate accurate volatility. In order to get accurate volatility levels, you must first determine a base volatility for the two options involved in the spread. Getting a base volatility must be done because different volatilities in different months cannot and do not get weighted evenly mathematically.

Since they are weighted differently, you cannot simply take the average of the two months and call that the volatility of the spread. It is more complicated than that.

The problem relates to calculating the spread's volatility with two options in different months. Those different months are usually trading at different implied volatility assumptions. You cannot compare apples with oranges nor can you compare two options with different volatility assumptions.

It is important to know how to calculate the actual and accurate volatility of the spread because the current volatility level of the spread is one of the best ways to determine whether the spread is expensive or cheap in relation to the average volatility of the stock.

There are several ways to calculate the average volatility of a stock. There are also ways to determine the average difference between the volatility levels for each given expiration month. Volatility cones and volatility tilts are very useful tools that aid in determining the mean, mode and standard deviations of a stock's implied volatility levels and the relationship between them.

The present volatility level of the spread is comparable to those average values and a determination can then be made as to the worthiness of the spread. If you now determine that the spread is trading at a high volatility, you can sell it. If it is trading at a low volatility, you can buy it. You must know the current trading volatility of the spread first.

To accurately calculate volatility levels for pricing and evaluating a time spread, the key is to get both months on an equal footing. You need to have a base volatility that you can apply to both months. For instance, say you are looking at the June / August 70 call spread. June's implied volatility is presently at 40 while August's implied volatility is at 36. You cannot calculate the spread's volatility using these two months as they are. You must either bring June's implied volatility down to 36 or bring August's implied volatility up to 40. You may wonder how you can do this.

You have the tools right in front of you. Use the June Vega to decrease the June option's value to represent 36 volatility or use August's Vega to increase the August option's value to represent 40 volatility. Both ways work so it does not matter which way you choose.

We will use some real numbers so that we may work through an example together. Let's say the June 70 calls are trading for $2.00 and have a .05 Vega at 40 volatility. The August 70 calls are trading for $3.00 and have a .08 Vega at 36 volatility, so the Aug/June 70 call spread will be worth $1.00. To be able to calculate the volatility of the spread, we must equalize the volatilities of the individual options.

First, let's move the June calls by moving June's implied volatility down from 40 to 36, a decrease of four volatility ticks. Four volatility ticks multiplied by a Vega of .05 per tick gives us a value of $.20. Next, we subtract $.20 from the June 70 option's present value of $2.00 and we get a value of $1.80 at 36 volatility. Now the two options are valued at an equal volatility basis.

Looking at this first adjustment where we moved the June 70's volatility down to 36 from 40, we have a value of $1.80 at 36 volatility. The August 40 call has a value of $3.00 at 36 volatility. The spread will be worth $1.20 at 36 volatility.

If you wanted to move the August 70 calls instead, you would take the August 70 call Vega of .08 and multiply it by the four tick implied volatility difference. This gives you a value of $.32 that we must add to the August 70 call's present value in order to bring it up to an equal volatility (40) with the June 70 call. Adding the $.32 to the August 70 call will give it a $3.32 value at the new volatility level of 40, which is the same volatility level as the June 40 calls. Now, our spread is worth $1.32 at 40 volatility. August 70 calls at $3.32 minus the June 70 calls at $2.00 gives the price of the spread at 40 volatility.

It does not make any difference which option you move. The point is to establish the same volatility level for both options. Then you are ready to compare apples to apples and options to options for an accurate spread value and volatility level.

Since we now have an equal base volatility, we can calculate the spread's Vega by taking the difference between the two individual option's Vegas. In the example above, the spread's Vega is .03 (.08 - .05). The Vega of the spread is calculated by finding the difference between the Vega's of the two individual options because in the time spread, you will be long one option and short the other option.

As volatility moves one tick, you will gain the Vega value of one of the options while simultaneously losing the Vega value of the other. The spread's Vega must be equal to the difference between the two options Vega's, so, our spread is worth $1.20 at 36 volatility with a .03 Vega or $1.32 at 40 volatility with a .03 Vega.

Going back to our original spread value of $1.00 with a Vega of .03, we can now calculate the volatility of that spread. We know the spread is worth $1.20 at 36 volatility with a Vega of .03. Therefore, we can assume that the spread trading at $1.00 must be trading at a volatility lower than 36.

To find out how much lower we first take the difference between the two spread values, which is $.20 ($1.20 at 36 volatility minus $1.00 at ? volatility). Then we divide the $.20 by the spread's Vega of .03 and we get 6.667 volatility ticks. We then subtract 6.667 volatility ticks from 36 volatility and we get 29.33 volatility for the spread trading at $1.00.

We can also determine the volatility of the spread as the spread's price changes. We will fix the spread price at $1.30. To calculate this, we must first take the value of the spread ($1.20 at 36 volatility) and find the dollar difference between it and the new price of the spread ($1.30). The difference is $.10. The Vega of the spread must now divide this dollar difference. The $.10 difference divided by the .03 Vega gives you a value of 3.33 volatility ticks. Then add the 3.33 ticks to the 36 volatility and you get 39.33 as the volatility for the spread trading at $1.30.

Let us double-check our work by calculating the volatility the other way. This time we will do the calculation by moving the August 70 calls up to the equal base volatility of the June 70 calls. As calculated earlier, the August 70 calls will have a value of $3.32 at 40 volatility. The June 70 calls are worth $2.00 at 40 volatility, so the spread is worth $1.32 at 40 volatility.

Now, move the spread price to $1.30, $.02 lower than the value of the spread at 40 volatility. As before, we take the difference in the prices of the spread. The result is $.02 ($1.32 - $1.30). Then, divide $.02 by our spread's Vega of .03 (remember that the Vega of the spread is equal to the difference between the Vega of the two individual options). $.02 divided by .03 gives us a value of .67. We must subtract that .67 from our base volatility of 40. That gives us a 39.33 (40 - .67) volatility for the spread trading at $1.30. This volatility matches our previous calculation perfectly.

At first glance, you might be wondering why we went through all of these calculations. With the June 70 calls at 40 volatility, price $2.00, Vega .05 and the August 70 calls at 36 volatility, price $3.00, Vega .08 why not just take an average of the volatility? This would give us a 38 volatility for the spread with a price of $1.00 when in actuality $1.00 in the spread represents a 29.33 volatility.

This would be almost a nine-tick difference, which represents a whopping 30% mistake! As stated earlier, Vega is not linear. You cannot weigh each month evenly and just take an average of the two months. For argument's sake suppose you did. Let's say you found the difference of the Vegas of the options and came up with a spread Vega of .03, which is correct. However, when you try to calculate the spread's volatility and price you would have difficulty.

Now, recalculate the spread with the trading price of $1.30, or $.30 higher than your value at 38 volatility. Divide that $.30 higher difference by the spread's Vega of .03. You get a 10-tick volatility increase. Add that increase to the base 38 volatility. That would mean you feel the spread is trading at 48 volatility instead of a 39.33 volatility! This type of mistake could be very, very costly. Remember, apples to apples, oranges to oranges. It does not matter which option's volatility of the spread you move as long as you get both options to an equal base volatility.

Ron Ianieri enjoyed 14 years of experience as a floor trader on the Philadelphia Stock Exchange, including four years as the lead market maker in DELL computer options one of the busiest books in history. He is currently chief options strategist and co-founder of The Options University, an educational company that teaches investors how to make consistent profits using options while limiting risk.Woning Hilversum
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The Perfect Home Recording Studio

2007-12-29T07:31:00.000-08:00

Home computer music recording has become extremely popular, both as a hobby and as a legitimate means of live recording and mixing. For the serious musician or recording technician, the computer/software combination offers ease of use and lower cost, and it requires less space than traditional methods of recording.

Recording can be accomplished by using a "mixing board" to pre-mix multiple signals with their corresponding analog effects (if desired) before sending them to the computer, or each "plain" signal can be recorded independently to its own track through a computer audio interface, software effects applied, and the individual tracks then mixed together.

Using a mixer and analog effects, one could conceivably record without the benefit of multiple tracks, resulting in the need for less expensive, more simplistic software. For much greater control and a more polished sound, a quality multitrack software with effects is preferred.

Although more difficult to learn and use, multitrack software provides many more options for the user. The cost for quality multitrack recording software can range from $40 to several hundred dollars. Don't let the low prices fool you though, many a great recording has been made with shareware recording software.

If you aren't experienced in multitrack recording, purchasing at the low end of the spectrum makes sense. It's best to choose a product that will accept plug-ins, though. Plug-ins are small pieces of software that provide various functions (typically effects) that can be installed into the multitrack software, providing greater flexibility to the sound engineer. Several companies produce audio software plug-ins of the vst or directx variety that will work with even low cost software. A number of the plug-ins are actually offered free of charge.

For the more serious enthusiast, the computer (pc) should contain at least a Pentium 4 or Athlon 64 processor, 200gb, 7200 rpm IDE or Serial ATA hard drive, 1 gigabyte of dram, a good video card, and a high quality sound card. Any on-board video should be disabled in the cmos setup and a quality graphics card with at least 64mb ram installed.

A flat panel monitor with a 19" screen is preferred over a crt. With the large viewing area, the video resolution can be set at 1280 x 1024, enabling more of the audio recording software to be viewed on the screen at one time.

On-board audio (if available) should also be disabled and a high quality sound card installed into the computer. Also, invest in a pair of quality, amplified, near-field monitors. These speakers are designed specifically for music recording. Remember, if you're serious about your recordings, you'll want the music to be reproduced as realistically as possible.

A computer audio interface of some sort is a real necessity. It should have 1/4" inputs for instruments such as electric guitars or keyboards, as well as XLR inputs for microphones. 48v phantom power should be avaiable for condensor mics, as well. A mixer could even be plugged into the audio interface if more flexibility is needed.

More and more, musicians are realizing the high quality and low costs associated with producing their own recordings, while those interested in the technical side of recording can see the increased benefits of digital recording, mixing and mastering.

Steve Leedy is a local government computer IT and webmaster with a keen interest in home music recording. His website, http://www.pcmusicstuff.com/ contains a variety of software and information for anyone interested in learning digital audio recording.Technisch Architectuur
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Baby Doll Lingerie Emphasises And Supports Your Bust As Well As Showing Off Your Rear.

2007-12-27T11:02:00.000-08:00

A Baby doll is a short night gown consisting of a robe or loose top and matching bottoms. This lingerie is often trimmed with lace, ruffles, fur, bows and ribbons. Sometimes you can also find spaghetti straps.

The top is normally loose fitting and is usually just below the bust line and is short, ending at or just below your rear. Baby doll sets are available in a wide variety of fabrics from silk, satin to sheer lace.

A baby doll nightie with will provide support for your breasts while letting you flaunt what you got below. Baby doll lingerie is flattering and feminine and puts emphasise on the bust and takes the attention off your waist.

Baby Doll Lingerie In Pinstripe And Lace

This type of baby doll lingerie has stretch lace and micro fiber stripe and adjustable straps. This set includes matching thongs and costs around 22.47.

Baby Doll Lingerie In Chantilly Lace

This baby doll piece and thong are made from Chantilly lace. This has a lace up front and black floral lace with spaghetti straps and costs around 19.66. A really sexy piece!

Satin Baby Doll Item And Thong Panty

This item is made from stretch satin and comes with a side slit hem. It also has spaghetti straps and black lace trimmings. A thong panty is also available with this set and costs around 19.00.

BabyDoll in Lace Fishnet

This is an attractive baby doll piece with lace and fishnet. This baby doll dress has a ribbon lace up in front and costs around 13.00.

Baby Doll Dress With A G-String In Sheer Chiffon

This type of baby doll dress is made from sheer chiffon, with floral embroidered accents. It also has a sheer gathered front. This has adjustable straps and matching G-strings and costs around 21.00.

Blush Baby Doll Lingerie Pieces

This is a sheer baby doll piece which has a front ribbon fastening. The lace top fishnet holdups provide added beauty to this baby doll dress and costs around 35.

Baby doll lingerie items come in various styles and fantastic colours. You will be sure to have a fantastic time with this piece of sexy lingerie.

Kalwant Rana is A Freelance Writer For http://www.sexy-plus-size-lingerie-org.uk. You Can Find Lots Of Useful Information And Reviews About All Kinds Of Plus Size Lingerie From Simple Bras To Sexy Costumes.Fine Jewelry Gift
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3 Basic Steps To Optimize Your Internet Home-Based Business

2007-12-25T15:44:00.000-08:00

Sometimes the cart does indeed go before the horse. When that happens in business, the situation can be tricky, so keeping track of where you are and where you're headed is vital to avoid overload.

I started my Internet home-based business by providing transcription services for clients. As I learned more and more about the Internet and gained confidence to apply my knowledge and experience globally, I started to explore other opportunities that might be out there' in cyberspace.

And sure enough, I found them!

Pretty soon I added more client services, and quickly my Internet marketplace started to expand beyond the U.S.

In fact, my very first editing client was a very nice fellow from the United Kingdom. It was his first experience hiring someone on the Internet, so we learned a few things together. We've remained friends and done other projects since that original job.

In what seemed like no time at all, my client base grew as I continued to offer additional services, relying heavily on word-of-mouth referrals.

But before I knew it, the work got "crowded," I guess because I was having so much fun and found it really hard to say, "NO." Fortunately, I had the luxury of being able to accept or decline projects, so I naturally opted for the best fit of clients and services.

Over time, 3 basic steps stand out for helping to keep any Internet business simple and prosperous:

1. Don't bite off more than you can chew. Trying to do too many things at once just complicates your life and compromises your efforts. Stay Focused! To accomplish goals, it's necessary to keep an eagle eye on what's behind, beside, in front of, and ahead of you; to learn from past efforts, and especially failures. Instead of wasting valuable time, energy and oftentimes money brooding about past mistakes, use those events as the proverbial stepping stones we read and hear so much about to Move Forward!

2. Know the details of your business inside and out. If you're technically challenged or have trouble writing copy, get help. You don't have to do everything yourself! Hiring a Virtual Assistant' when you need one is smart business. While it's true that just starting out it's sometimes necessary to do it all yourself, as soon as you can, hire an assistant to do basic or menial tasks, or those tasks you simply hate to do. A valuable assistant is definitely worth your investment.

3. Treat your clients as if they're Santa Claus, because if you're good ... you get Big rewards! Providing excellent service has never gone out of style, and that theory applies to the Internet just like any brick & mortar business. People expect good products and services, and if you provide anything less, then you're misplaced. Always Do It Right!

Cynthia Peavler Bull, founder of CYN-R-JE Consultants LLC, adds value to international authors, marketers and speakers through her Top-Quality writing, editing and transcription services. As author and mentor, she helps clients with her products, experience and genuine caring. Need MORE TRAFFIC to your website or affiliate links without spending a dime on advertising? Get her free Newsletter for Tips to Build Your Business and Improve Your Life at http://www.cynrje.com Dik Meid Be
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Is There Really Such A Thing As A FREE Security System?

2007-12-24T03:09:00.000-08:00

"Is There Really Such A Thing As A FREE Security System?"

There is an old saying that goes like this:

There is no such thing as a FREE LUNCH.

The same goes for home security systems. For you see there are only two ways to invest in a system to protect your home:

1) Buy everything upfront

2) Pay little or nothing down and pay a small fee each month for 36 months until the equipment is paid off.

First lets look at the ups and downs of each.

The Benefits Of Paying For Equipment Upfront

1) No long term contract to sign

2) Monthly monitoring from $15.38 a month

3) Choose any Monitoring facility you like

The Disadvantages Of Paying Upfront

1) Not everyone can afford to lay out $795-$2,000 for a home security system at one time

2) Monitoring is usually Local Monitoring only (See our article Local VS National Monitoring...Which is better?

The Benefits Of a FREE Home Security System

1) Little or no money out of pocket to cover the equipment & installation labor

2) Save your money for other new home purchase needed

3) One low price includes paying for your equipment & monthly monitoring fee

4) Gives you NATIONAL monitoring protection (See our article Local VS National Monitoring...Which is better?)

5) Surprisingly can saves up to $300 over buying equipment upfront (See the Consumers Guide To Choosing Atlanta Georgia Home Security Systems)

6) Lifetime maintenance agreement as long as you monitor with the provider.

The Disadvantages Of A FREE SYSTEM

1) Requires 36 month commitment

2) Slightly higher monthly monitoring fee of around $ 29.95 which covers equipment, installation & labor & monthly monitoring

3) Equipment is often propriety, which means only their monitoring facility can monitor your system.

Well, there it is.

As you can see they both have their own advantages & disadvantages.

It boils down to this...Pay now...or pay a little more each month.

I guess it comes down to what is most important to you.

Frank Cheshire is an Atlanta, Georgia Home Security Systems Consultant. Portaal:geografie
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ABCs for the Work at Home Mom Part 1

2007-12-22T21:09:00.000-08:00

Work-at-home moms face many different challenges. From learning to accept help when needed, to building confidence in ourselves, to remembering the reasons why we chose to work from home. Below is the first in a series of tips to help work-at-home moms in the simplest of ways the ABCs.

A = Adjustments. A work at home mom must expect the unexpected. She must be prepared to adjust her schedule at any given moment for any number of reasons - a sick child, a backed up drain, or an upset client. A mom who learns to welcome these moments as a chance to show love to her family and concern for her clients will be ahead of the game in the end. Approach these "interruptions" with a great attitude and see what a difference it makes.

B = Better. Works at Home Moms have to be on top of their game. To run a business as well as manage a household takes determination and scheduling. You may not feel like you have a schedule, but take a look at your day/week and see how you are spending your time. Next, think about what you can do better, what you can delegate and what would be better off removed from your schedule to allow you to spend your time in a better manner.

C = Confidence. You wouldn't be a work at home mom without it. Take time to celebrate each success no matter how minute it may seem. Each success will help grow your confidence and turn you into a savvier businesswoman.

D = Dry - Don't let things dry up. Keep content fresh, offer new products and services whenever possible. This will keep you motivated and keep customer returning.

E = Effort - Don't kid yourself. It takes a TON of effort to make a home-based business successful. Don't give up with thing get rough. Keep plugging away - it will pay off

F = Feisty - Every work at home mom has to be at least a tad bit feisty. :) Stand up for your business when need be - don't be afraid to say no when necessary.

G = Generosity - When I fist began my business I sought advice from many successful work-at-home moms. One of the best pieces of advice I received was that what I gave to others would come back tenfold. I've found that to be very true. Helping others is as much a blessing to me as it is to others.

H = Help - There will come a time that youll need help. You must be willing to accept it, to allow others to do for you what you cannot. In turn, try to be a help to other when they are in need.

I = If - If you dont do it, who will? Mothering is such an important role that gets overlooked so often these days. Always remember that being there for your children is the BEST gift you can ever give them.

J = Just for you - Take a little time to do something just for you each day. Even 5 minutes of doing something you enjoy can revive a tired mommy.

K = Keep - Keep your chin up. It will get better. Dont let a lag in business growth get you down. Find some creative ways to get the ball rolling again.

L = Laugh - Take time to laugh with you kids each day. And dont be afraid to laugh at yourself when need be.

M = Mommy - Remember, the reason you do all that you do is for those little ones who call you "Mommy."

Working from home can be difficult, but it is well worth the effort. By keeping things in perspective we can reduce the stress that we put on ourselves. Remember these ABCs and youll go far in your work-at-home career.

Jill Hart is the founder of Christian Work at Home Moms, http://CWAHM.com. Hart is also the co-author of the upcoming book, Home Based Blessings, due out in November 2006 for Christian moms who want to work at home. Hart and her husband, Allen of http://CWAHD.com (Christian Work at Home Dads) reside in Nebraska with their two children.Sterling Silver Earring Finding
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Scrubs (Season 1) DVD Review

2007-12-22T03:15:00.000-08:00

Nominated for 9 Emmys and 2 Golden Globes, Scrubs premiered in Fall 2001 to moderate fanfare and a respectable Nielsen rating of #34. And although the series has yet to achieve blockbuster ratings, it has managed to build a loyal fan base devoted to its unique brand of humor and quirky characters. Created by Bill Lawrence (creator of Spin City), Scrubs is a spoof on the dearth of hospital dramas that have cropped up since ER popularized the genre. In a sense, its what Greys Anatomy would be like if Ben Stiller were the lead character.

Filmed in a real life hospital (North Hollywood Medical Center), Scrubs follows the bungling day-to-day experiences of medical intern Dr. John J.D. Dorian (Zach Braff). Along with his college buddy Dr. Christopher Turk (Donald Faison), the two newcomers must learn the ropes of daily life in an actual hospital setting. But Sacred Heart, their new stomping ground, is the epitome of a dysfunctional work environment. One might easily believe that everyones job is to dump on J.D. In getting his feet wet, the young intern butts heads with numerous characters such as fellow intern and potential love interest Dr. Elliot Reid (Sarah Chalke), cranky Chief of Medicine Dr. Bob Kelso (Ken Jenkins), the ever-abrasive Dr. Perry Cox (John C. McGinley), pessimistic nurse Carla Espinosa (Judy Reyes), and a sarcastic janitor (Neil Flynn).

Scrubs is a character-driven show thats exceptionally well-written, and the acting is superb. John C. McGinley is fantastic in the role of Dr. Cox, a performance almost as memorable as his portrayal of consultant Bob Slydell in Office Space. His delivery is almost as perfect as that of Ken Jenkins who often resembles Lloyd Bridges from Airplane with his uncanny ability to deliver ridiculous one-liners with a straight face. Veteran talents Sarah Chalke (Becky from Roseanne) and Donald Faison (Murray from Clueless) round out an excellent supporting cast for Zach Braff who makes his mark with this very likeable character. In the end, Scrubs is a situation comedy built on the strength of biting sarcasm and clever humor. And although its already enjoyed a successful five-year run, its probably one of the most underappreciated comedies on network TV. If you havent yet seen it, do yourself a favor and check it out. You wont be disappointed.

Below is a list of episodes included on the Scrubs (Season 1) DVD:

Episode 1 (My First Day) Air Date: 10-02-2001
Episode 2 (My Mentor) Air Date: 10-04-2001
Episode 3 (My Best Friends Mistake) Air Date: 10-09-2001
Episode 4 (My Old Lady) Air Date: 10-16-2001
Episode 5 (My Two Dads) Air Date: 10-23-2001
Episode 6 (My Bad) Air Date: 10-30-2001
Episode 7 (My Super Ego) Air Date: 11-06-2001
Episode 8 (My Fifteen Minutes) Air Date: 11-15-2001
Episode 9 (My Day Off) Air Date: 11-20-2001
Episode 10 (My Nickname) Air Date: 11-27-2001
Episode 11 (My Own Personal Jesus) Air Date: 12-11-2001
Episode 12 (My Blind Date) Air Date: 01-08-2002
Episode 13 (My Balancing Act) Air Date: 01-15-2002
Episode 14 (My Drug Buddy) Air Date: 01-22-2002
Episode 15 (My Bed Banter and Beyond) Air Date: 02-05-2002
Episode 16 (My Heavy Meddle) Air Date: 02-26-2002
Episode 17 (My Student) Air Date: 03-05-2002
Episode 18 (My Tuscaloosa Heart) Air Date: 03-12-2002
Episode 19 (My Old Man) Air Date: 04-09-2002
Episode 20 (My Way or the Highway) Air Date: 04-16-2002
Episode 21 (My Sacrificial Clam) Air Date: 04-30-2002
Episode 22 (My Occurrence) Air Date: 05-07-2002
Episode 23 (My Hero) Air Date: 05-14-2002
Episode 24 (My Last Day) Air Date: 05-21-2002

Britt Gillette is author of The DVD Report, a blog where you can find where you can find more reviews of movies and TV series. Source: http://thedvdreport.blogspot.com/2006/07/scrubs-dvd.html 100 30 Hike Mountain Waterfall Waterfall White
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How to Create Your Marketing Funnel Online

2007-12-20T13:59:00.000-08:00

I've been working with several clients recently on the notion of creating a marketing funnel, also called a sales funnel, sales pipeline, or marketing platform, depending on what business you're in. If you imagine a funnel, wide end at the bottom, and gradually narrowing as you go to the top, this is the sales pipeline through which potential, current and former clients travel in their business relationship with you. The idea is to get prospective clients in your target market to enter the funnel and become repeat customers by purchasing various goods and services from you at increasing price points.

What I see quite often (a marketing blunder for which I am also guilty) is that most service professionals have one item in their marketing funnel -- their 1:1 service, whether that's coaching, virtual assistance, web design, copy editing/writing, pest control, landscaping, professional organizing, financial planning, etc. They offer absolutely no other way for someone in their target market to sample or benefit from their expertise.

My clients typically get stuck in one of the following marketing scenarios:

1. They've hit the 1:1 service ceiling in some way. They either have a full schedule and can't take on additional clients without expanding hours or hiring help, or they don't want to work as many hours in providing individual client assistance (i.e. they're tired of trading time for money)

2. No one is buying the pricey 1:1 service.

So, then, what's an independent service professional to do? Map out your marketing funnel.

Your marketing funnel should have 9 layers, as outlined below. Please note that these price points aren't fixed but are merely established as a guideline for you to establish your own price points with your target market based on what your target market can afford to pay or will pay for your type of service. The price points refer to your total customer purchase. For example, if you sell an ebook/audio package for $399, the total purchase price is $399. If you have a monthly subscription service, like for a monthly consulting retainer that runs $700/month and your client has agreed to pay for one year, your total customer purchase is $8400.

1. Target market layer: As much as I had to disappoint you, your target market isn't "everyone", even though I'm sure you provide a wonderful service of which "everyone" should take advantage. Going for this shotgun approach rather than a laser marketing approach will make your marketing very difficult and permit the wrong people to enter your marketing funnel. So, you need to put a screen on your marketing funnel and ensure that only your target market enters.

2. Entry layer (free): This is your free offering that you provide on your web site in exchange for a prospect's contact information -- a free newsletter, ebook, special report, ecourse. etc. This freebie serves as your introduction to prospective clients so that they can begin to get to know, like and respect you, which are the progressive steps necessary before they'll decide to buy something from you.

3. Introductory layer ($5 - $150): This is your lowest price point at which someone can purchase your expertise. You can offer ebooks, special reports, subscription ecourses, audio products, teleseminars, etc. Most of your offerings at this level should be information products that require little, if any, of your individual time.

4. "Not Quite Newbie" layer ($150 - $450): This is a higher level price point at which you can sell more in-depth versions of the types of information products listed above that showcase your expertise. You may provide some of your time in your offerings at this point, but only in a group setting, like a teleseminar series, discussion forum of a membership subscription web site, or group coaching/consulting.

5. "Experienced Newbie" layer ($450-$1000): At this level you may be providing a bit more of your time in group settings, or offer items like home study courses or special packages that bundle several of your products together.

6. New Expert layer ($1000 - $3000): You'll begin to offer your 1:1 time again at this level. whether it's to offer some open office consulting hours each month as an addition to some type of action group you're leading, or to create a short-term service retainer.

7. Expert layer ($3000 - $5000): Clients at this level will buy exclusive group time with you not readily available to the public, like a bootcamp conference on a particular topic or a year-long service retainer.

8. Master Expert layer ($5000 and greater): This is the level at which a client is paying handsomely for some type of 1:1 time with you, whether that's a year-long commitment of coaching, consulting, mentoring, advising, etc. Only a few clients going through your marketing funnel will buy at this level.

9. Well-educated client outcome layer: After traveling through your marketing funnel, you should now have a bevy of loyal, dedicated customers who return again and again and make referrals to you because of the value and results they received from participating in your marketing funnel. You'll need to continue to add and update your product offerings, as this well-educated client may travel up and down the funnel again as his needs change.

What do you offer in your business at each of these layers? Take out a piece of paper and jot down these price points and fill in the blanks from your current offerings. Where are the holes? How can you plug the holes? Creating a marketing funnel in which members of your target market can buy your expertise at several different price points will increase your exposure to larger numbers of your target market, ultimately bringing you more clients willing to go through the marketing funnel experience.

Copyright 2006 Donna Gunter

Online Business Resource Queen (TM) and Business Coach Donna Gunter helps self-employed service professionals learn how to get more clients online. To sign up for more FREE tips like these and claim your FREE gift, TurboCharge Your Online Marketing Toolkit, visit her site at http://www.GetMoreClientsOnline.com. Read about running an online biz at our blog, http://www.getmoreclientsonlineblog.com Wallet
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Genital Herpes With Special Reference To Pregnancy

2007-12-19T09:49:00.000-08:00

Genital herpes is a sexually transmitted disease (STD) caused by herpes simplex viruses type 1 (HSV-1) and type 2 (HSV-2). The anxiety for a pregnant woman is that she may transfer the virus to her baby during pregnancy and childbirth with potentially severe consequences. In this article measures to avoid such disaster are discussed.

Herpes simplex virus type 1 and type 2 are common infections worldwide. Herpes simplex virus type 2 is the cause of most genital herpes and is almost always sexually transmitted whereas the type 1 virus is more commonly associated with sores around the mouth. There is no exclusivity with some ulcers around the mouth being caused by the type 2 virus and some genital infections being related to the type 1 virus. These are probably related to oral sex.

Herpes simplex infections can be diagnosed by visual inspection by a doctor. Swabs from the affected area can be taken and the virus cultured in the laboratory. When a person contracts infection, the immune system produces antibodies that can be measured in the serum (blood with its cells removed).

In the USA one adult in five has antibodies to type 2 herpes. The number of people who have been diagnosed with the condition rose from 10% to 14% between 1988 and 1999. Seroprevalence of HSV-1 decreased from 62.0% in 1988-1994 to 57.7% in 1999-2004, a relative decrease of 6.9%.

Herpes infections may be primary, secondary, recurrent or asymptomatic with viral shedding. In a primary infection, the infection is apparent but there are as yet no antibodies to either HSV-1 or HSV-2 at the time of the outbreak indicating no prior exposure. Typically, lesions appear 2-14 days after contact. Without antiviral therapy, the lesions last for 20 days. Viral shedding lasts 12 days, with the highest rates of shedding occurring before symptoms develop and during the first half of the outbreak. Viral shedding ceases before complete resolution of the lesion. Antibody response occurs 3-4 weeks after the primary infection and is life-long. However, unlike protective antibodies to other viruses, antibodies to HSV do not prevent local recurrences. The symptoms associated with local recurrences tend to be milder than those occurring with primary disease.

The lesions of a primary infection begin as tender vesicles (blisters), which may burst to become ulcers. The vagina is commonly inflamed and the cervix is involved in 80% of patients. Pre-existing HSV-1 antibodies can alleviate clinical manifestations of subsequently acquired HSV-2. More than 75% of patients with primary genital HSV infection are asymptomatic. Asymptomatic primary HSV infections in pregnant women at term are responsible for most neonatal (newborn) HSV infections.

Symptoms associated with primary infections may be local and constitutional. Local symptoms include intense pain, dysuria (pain passing urine), itching, vaginal discharge, and lymphadenopathy (swelling of the lymph glands). Constitutional symptoms include fever, headache, nausea, malaise, and myalgia (aching muscles).

A non-primary first episode infection is a first genital HSV outbreak in a woman who has HSV type 1 antibodies. Because of the partial protection of the pre-existing antibodies, these women tend to have fewer and shorter systemic symptoms. The duration of lesions is shorter, averaging 15 days, and viral shedding lasts for approximately 7 days.

A recurrent infection is defined as a genital HSV outbreak in a woman with type 2 antibodies. Recurrent HSV outbreaks may be symptomatic or asymptomatic. Lesions typically last for 9 days, and viral shedding lasts for approximately 4 days. The viral load tends to be lower in recurrent outbreaks than with primary lesions, and shedding tends to occur during the prodrome (pre-symptomatic phase) and early stage of the clinical outbreak.

Primary infections in pregnancy are over diagnosed. Correct classification of gestational genital herpes infections can only be accomplished when clinical evaluation is combined with viral isolation and serologic testing using a type-specific assay. Most severe first clinical episodes of genital herpes infections among women in the second and third trimesters of pregnancy are not primary infections and are not commonly associated with perinatal morbidity.

Most herpes affected babies acquire the virus at the time of delivery. Just 5% of all cases of neonatal (newborn) HSV infection result from transplacental transmission during pregnancy. In this regard, it is one of the TORCH (toxoplasmosis, rubella, cytomegalovirus, and herpes simplex) infections, which are associated with microcephaly (small head), microphthalmia (small eyes), intracranial (within the brain) calcifications, and chorioretinitis (inflammation in the eyes). The acquisition of genital herpes during pregnancy has been associated with spontaneous miscarriage, prematurity and congenital and neonatal herpes.

Neonatal herpes is a severe systemic (involving all the body) viral infection with a high morbidity (illness) and mortality. Neonatal herpes can cause skin, eye or mouth infections, damage to the central nervous system and other internal organs and mental retardation. It is relatively uncommon in the UK with an incidence of 1.65 per 100 000 live births annually, which compares to 11 per 100, 000 deliveries in the USA.

Neonatal herpes may be caused by herpes simplex type 1 (HSV-1) or herpes simplex type 2 (HSV-2), as either viral type can cause genital herpes. The risks are greatest when a woman acquires a primary infection during late pregnancy, so that the baby is delivered before the development of protective maternal antibodies. All women should be asked at their first antenatal visit if they or their partner have ever had genital herpes. Female partners of men with genital herpes, who themselves give no history of genital herpes, should be advised about reducing their risk of acquiring this infection.

Women who report a history of genital herpes can be reassured that, in the event of an HSV recurrence during pregnancy, the risk of transmission to the neonate is extremely small, even if genital lesions are present at delivery. Women with no history of genital herpes may reduce their risk of acquiring herpes during pregnancy by avoiding sexual intercourse at times when their partner has an HSV recurrence. The impact of this intervention is limited because sexual transmission of HSV commonly results from sexual contact during periods of asymptomatic viral shedding.

Aciclovir is well tolerated in late pregnancy and there is no clinical or laboratory evidence of maternal or fetal toxicity. Aciclovir has been used extensively in pregnancy and it appears to be safe. The use of intravenous aciclovir may reduce the risk of neonatal herpes by minimising maternal viraemia and reducing exposure of the fetus to HSV for women who develop first episode genital herpes within six weeks of delivery. A randomised controlled trial for women with recurrent herpes was unable to demonstrate that acyclovir in late pregnancy significantly reduces the number of caesarean sections. The conclusion was that there is little evidence to suggest that acyclovir should be used for the suppression of recurrent genital herpes infection during pregnancy.

Where first-episode genital herpes lesions are present at the time of delivery and the baby is delivered vaginally, the risk of neonatal herpes is about 40%. The risk of transmission is associated with duration of rupture of the membranes, the risk increasing considerably after the membranes had been ruptured for more than four hours.

Caesarean section is recommended for all women presenting with first-episode genital herpes lesions at the time of delivery, but is not indicated for women who develop first episode genital herpes lesions earlier in the pregnancy. If the first episode of genital herpes lesions within six weeks of the expected date of delivery or onset of preterm labour, elective caesarean section may be considered at term, or as indicated, and the paediatricians should be informed.

In the 1980s, it was common practice to take swabs for viral cultures weekly from women with a history of genital herpes during the last six weeks of pregnancy and if the results were positive delivery would be by elective caesarean section. This practice is no longer recommended as it has been demonstrated that antenatal swabbing did not predict the shedding of virus at the onset of labour.

For women presenting with recurrent genital herpes lesions at the onset of labour, the risks to the baby of neonatal herpes are negligible with two major studies showing no transmission to the baby. In one study, one baby in 34 with active recurrent herpes was affected. The practice of caesarean delivery for women with a history of genital herpes lesions that recur at delivery would result in more than 1580 excess caesarean deliveries being performed for every poor neonatal outcome prevented at a cost per neonatal herpes case averted of $2.5 million at 1993 rates. Furthermore, there could well be more maternal deaths by this practice than newborn babies saved. In Holland, caesarean sections have not been routinely performed for this indication since 1987 and there has been no increase in the reported incidence of neonatal herpes.

David A Viniker MD FRCOG is a London Consultant in OB/GYN who strongly supports patient choice. You are welcome to visit his websites which explain the pros and cons of the various options for womens health, pregnancy and childbirth: http://www.2womenshealth.com http://www.obstetric-health.com Coconut Oil Philippine Virgin
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King Of The Hill (Season 1) DVD Review

2007-12-17T00:58:00.000-08:00

Initially aired following the 1997 Super Bowl, King of the Hill discovered an instant audience niche that has the followed the show loyally ever since. The brainchild of Beavis and Butthead creator Mike Judge (also known for the hit movie Office Space), King of the Hill is a unique animated series in that it doesn't rely on "cartoon" suspension of reality or outlandish antics. In fact, the show would arguably be just as successful if it were not animated at all. Nevertheless, it's Mike Judge (voice of Hank Hill) and his unique brand of humor that make King of the Hill a must-see TV series

Set in the fictional town of Arlen, Texas, King of the Hill follows the life and exploits of Hank Hill and his traditional nuclear family. Hank is a red-state propane salesman who loves beer and apple pie, but he's constantly inundated with modern liberalism and grapples with the demands of political correctness. Hank is joined by his wife Peggy (a substitute teacher), his son Bobby (an awkward pre-pubescent youth), and a trailer park-like live-in niece named Luanne Providing added comic relief to the series are Hank's off-the-wall friends Bill, Boomhauer (who is inaudible), and Dale (who believes everything is a government conspiracy) Hank's Laotian neighbor Kahn (whose daughter Bobby is quite fond of) and his family live next door, providing Hank with a continuing dose of culture shock

The King Of The Hill DVD features a number of hilarious episodes including the season premiere in which we meet for the first time the various characters involved in Hank Hill's life in Arlen, Texas. Bobby gets hit in the eye with a baseball, prompting a social worker to launch an investigation into filing possible child abuse charges against Hank. Meanwhile, Hank's niece Luanne, an aspiring beautician, is forced to move in with Hank and his family after her mother is put in jail for stabbing her father Other notable episodes from Season 1 include "Square Peg" in which Peggy is forced to teach sexual education class, and "Hank's Unmentionable Problem" in which Hank becomes constipated and (much to his chagrin) receives numerous opinions on how to cure it

Below is a list of episodes included on the King Of The Hill (Season 1) DVD:

Episode 1 (Pilot) Air Date: 01-12-1997
Episode 2 (Square Peg) Air Date: 01-19-1997
Episode 3 (The Order of the Straight Arrow) Air Date: 02-02-1997
Episode 4 (Hank's Got the Willies) Air Date: 02-09-1997
Episode 5 (Luanne's Saga) Air Date: 02-16-1997
Episode 6 (Hank's Unmentionable Problem) Air Date: 02-23-1997
Episode 7 (Westie Side Story) Air Date: 03-02-1997
Episode 8 (Shins of the Father) Air Date: 03-23-1997
Episode 9 (Peggy the Boggle Champ) Air Date: 04-13-1997
Episode 10 (Keeping Up with Our Joneses) Air Date: 04-27-1997
Episode 11 (King of the Ant Hill) Air Date: 05-04-1997
Episode 12 (Plastic White Female) Air Date: 05-11-1997

Britt Gillette is author of The DVD Report, a blog where you can find where you can find more reviews of movies and TV series. Source: http://thedvdreport.blogspot.com/2006/02/king-of-hill-dvd.html 1500 Every Global Unstoppable Warming Years
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How To Find Hot Niche Markets

2007-12-16T13:22:00.000-08:00

Working out what your niche market will be to start your home business is something that can elicit much excitement. This is when you can put all those great ideas you have had for your business into a plan of action. Give yourself a number of options to work over. Some will be great and some won't fit. Get more than one so you always have a back up when you start a home business.

Look to 3 sources for ideas:

* A hobby you love: You won't find many hobbies from which you can't build a business. And since you enjoy doing it, it won't be tedious to "go to work" every day. When you pick something for your business that you sincerely like, you will have fun at doing it.

* Your experiences: In life we go though many experiences and you can use these to build a business. For example if you have raised children you can then put all your parenting experience together and start a business related to parenting.

* Your talents: Everyone has one or more talents within them. Dig down and see what yours are. You can start a freelance business using your talents.

Defining your niche market:

1. List out some ideas then put them in the order of what you like the best.

2. Go to the site listed here and put a key word into the overture suggestion tool box: This will bring up the amount of searches that have been done for your keyword and will represent demand.

3. If you search out that same key word on Google search engine http://google.com then you will see websites supplying that item and you will know how many competitors are out there that will be competing with you when you start a home business.

4. If you find a topic that is demanded in quantity but low in the suppliers, you will then make money. This should be your special market for which you do your niche marketing. You will make more money with a niche market as you will reduce and sometimes even eliminate competition. Go through your list of ideas until you narrow it down to about

5. Then go through them again and see which one will fit into a niche market.

Establishing your USP:

Once you have found the concept that fits into a specialized or niche market it is time to establish your USP, Unique, Selling, Point. This is when you will take your idea, and see how you will make your business uniquely different from your competitors. Often neglected, finding the USP is something that new business owners need to do to set their item above the competition. Online businesses are very competitive and you have to stay ahead of the game.

There are two reasons you need to set yourself up as different from others:

1. Get ahead of your competitors

2. To clearly define to your potential customers why your product and service is better than your competitors.

Deciding on your business model:

Part of your business concept will not only be consolidating your ideas but also choosing your business model. There are a few that you can choose from:

* Affiliate marketing-Getting involved with affiliate programs will target your efforts

* Network marketing (MLM)- again this will target your market and idea.

* Marketing-taking the product and selling it

* Service- you should use your talents, which includes freelancing.

You can see there are a number of things you will have to do to get your business concept into operation. But it's worth it to plan and take care in developing it. It will be your foundation, after all.

Dan Farrell has a newsletter, Build An eBusiness On A Shoestring. To sign up with free bonuses, go to: Niche Market Ideas (http://build-an-ebusiness-on-a-shoestring.com) 20 Lamp Leg
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5 Things To Consider About Debt Consolidation

2007-12-15T15:25:00.000-08:00

Debt Consolidation....How could you not think about it? Several times a week you are presented with the "best option" for debt consolidation through either the mail, a telemarketer(we all love them), e-mail, or advertising online, just to name a few. Do you find it strange that so many people are concerned with your well-being and financial stability that they want to help you? Don't be. There are obvious reasons that we all know, that companies want your debt. Huge Profits! They have the statistics and know the trends that most people will only make minimum monthly payments which over the term of the loan pays them back at least 4 times the amount and from the temporary increase in available cash, most people repeat the same spending habits that caused the need for consolidation in the first place. More opportunity for the companies.

But debt consolidation can be a great thing if used correctly. There are varying opinions about this from the many financial "experts" of the world, but my personal belief is that we all make decisions necessary to solve our current problems and give us added peace of mind. Now the decisions do not always give the results we hope for and may not be the best decisions for long term planning, but I do believe people make what they think are the best decisions at the time. It is pretty easy to look back and question some of the financial decisions we made, we all do, but the problem with doing this is only analyzing the decision and not the many other factors that were in play when the decision was made. ex family, job, relationship, sanity, etc. When deciding if debt consolidation is the best thing for you, here are some things that should be considered to help make the best decision possible.

1) How much additional monthly cash will my consolidation make available?

This is based on an assumption on why people consolidate, but I assume it is because the total amount of your monthly bills is more than you can afford or want to pay each month. Whatever the reason, how much cash your consolidation frees up should be a consideration if you do it or not. If the total of your monthly bills is currently $1,000 and after the consolidation your monthly payment will be $975, then the consolidation is probably not the best idea. Now if that payment is going to be $500 after the consolidation, then maybe it is worth it. There is no one number that makes this answer right, totally personal choice. Just make sure that you review all of the terms and that over the long haul you are not paying a whole lot more than you would have before the consolidation.

2) Can I consolidate without consolidating?

Is it possible that you can consolidate your bills and pay them off quicker without the formal consolidation? This requires an analysis of your bills, the amounts owed to each, the minimum monthly payments, and how much longer before they are paid off. It may make more sense to endure the high payments for a few more months, if you can make minimum monthly payments on most bills while overpaying on one to pay it off. And repeating this process until, in theory, you are debt free. This is commonly referred to as the snowball effect, which basically means as you pay off one bill it frees up more cash to increase the payments on another bill. This is done over and over until all of the bills are paid. I am sure there are places online that have calculators that can help you perform this task as well as Microsoft Money and Quicken. I have used both of these programs and they both are helpful in graphically laying out what extra payments can do.

3) What am I prepared to change in my spending habits?

This is probably one of the most important questions to ask yourself, what will I do differently after the consolidation? You must take a long, hard look at your financial situation and determine how you will control your spending habits differently. I hate to make it seem as though consolidation is a bad thing because it truly is not. But I do realize than many people consolidate loans and bills due to being overextended. If you fall into that category, make sure you are doing what is necessary in terms of spending controls to prevent the need for more consolidation in the future. Statistics will easily show that there is little change after the consolidation which leads to further consolidation in the future. Dont be a statistic!

4) How much does my consolidation cost by the end?

This is really a combination of what are the terms of my consolidation loan versus the current terms of my loans. I guess it could be summed up as reading the fine print. These lending companies like nothing more than to get you into long term contracts with low monthly payments that last forever. The first several years of these payments the interest portion is far higher than the principal with statistics showing there will be some other type of consolidation after a few years. To them that is more money, more money, more money. Look at the terms of your loan and try to avoid adjustable rates, extremely long terms, or high closing costs to acquire the loan. The most important is the rate and if it adjusts. Sometimes they are unavoidable, but that makes your payment for the future unpredictable. If may only fluctuate a little at a time, but over the course of a year or two, your payment could be drastically different. The documents that you have to sign to acquire the loan will usually state how much you will pay in total if you make your minimum monthly payments for the duration of the loan. Look at this number and see if you can make it lower and meet you current cash needs. You will thank yourself in the long run.

5) What effect will extra payments have?

Consider extra payments each month, even if it is as little as $25. This makes a significant impact to the length of the loan. Obviously the amount of the loan will make a difference as an extra $25 against a $1 million dollar loan does not have that great of an impact, but extra payments help. Banks calculate payments and interest using compound interest meaning that they do not simply multiply you loan times the finance rate for the year to get your interest. They calculate it daily. So 5% per year is not $100 X 5%, it is ($100 5%/365)* 365. This gives a number much different than $105. By making extra payments you are reducing the amount by which the interest is calculates against. So everyday after you make your extra payment, the amount the interest is calculated against is lower. Makes a difference. Do the math.

Brian May writes articles on a variety of subjects including relationships, real estate, and finances. Please visit my sites http://www.BrianKeithMay.com or http://www.OpenEntrance.com.100 Days Of School
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Building Link Popularity The Way Google Loves It!

2007-11-29T11:48:00.000-08:00

One of the best ways to generate free traffic is via the search engines. If you have some prior SEO knowledge, then you know that the best way to improve your rankings in the search engines is by establishing relevant links to your website. So building link popularity is indeed important.

But very few webmaster know how to build link popularity the way Google loves it.

So how do you generate a link building campaign that all the search engines will love?

Well, before I get into this, let me first explain what link popularity is.

Link popularity, in simple words, refers to the number of websites that post a link to your website. Some SEO experts believe that the more links that post a link to your website, the more your rankings improve in the search engines. But this is not always the case. Link popularity is a little more complicated than this.

When building link popularity you want to take into account a list of things. But for the sake of this report, I just reduced the list down to 2 important factors that will affect the way Google and the rest of the other search engines list your site.

1. Choosing the Right Websites

Selecting the right sites to request a link partnership from will be responsible for the great part of your success. Your main objective, when launching a linking campaign is to establish links on sites that are truly related, or in the same theme of your website. If you are trying to build links for a site that discusses potty training for dogs, then you do not want to request a link partnership from a site in the make money niche. These two topics are completely unrelated. The Google search engine has an algorithm that recognizes unrelated linking patterns and they will penalize your website if they find them. Therefore, study the websites of your potential link partners.

2. Grow Your Links Slowly

With the way the search engine algorithms are acting right now, it is much more safer to slowly grow your link popularity day by day. It will be a lot safer to gather about 4 or 5 link partners per day rather than 20 a day. You should never blast a link request to an email list with a bunch of people looking for link partners. Any type of irregular, or excessive link growth will trigger the search engines and cause them to penalize your site. Never grow your link popularity too fast. Just be patient and youll be much better off in the end.

That is it for my 2 important rules for developing link popularity. Just adhere to these link building rules on a daily basis and youll see great traffic improvements in 3 months time.

A key rule is to try and continually build your link popularity until Google lists at least 100 links pointing to your website. This is a small rule of thumb for us SEO marketers. Any website with 100 link partners listed in Google is known to pull some pretty decent traffic.

Melvin Perry is an internet entrepreneur that specializes in list building and SEO. He is offering over 200 minutes of SEO list building videos that you can download and view for FREE at SEO List Building Videos

Article Source: http://EzineArticles.com/?expert=Melvin_Perry

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Anthony Robbins' 12 Reasons Why People Don't Get Wealthy

2007-11-23T02:37:00.000-08:00

According to Wallace Wattles, in his popular wealth treatise called the Science of Getting Rich, said that, "There is a science of getting rich, and it is an exact science, like algebra or arithmetic. There are certain laws which govern the process of acquiring riches, and once these laws are learned and obeyed by anyone, that person will get rich with mathematical certainty."

It is true. Those who make wealth know that it comes about by application of simple rules and principles. Those who don't make wealth don't know about these simple things, and so they assume that wealth is a result of luck or pure chance or something just as superstitious or silly.

Anthony Robbins is one of the top success coaches in the world, having coached star sports players, heads of states and Fortune 500 executives. In his Get The Edge program, he listed down 12 specific reasons he has come to observe to be the leading causes for most people's lack of wealth.

Here they are:

1. They never decide and really define, very specifically, what wealth means for them. The keyword here is specifically. Can you imagine how hard it would be to build a car or a plane without making a blueprint or sketch drawings of it first? You have to know what your target is before you go chasing after it.

2. They make wealth a moving target instead of a fixed one (this is related to point one above). Once you have your target, fix it. Don't change it until you reach it. You must accomplish each step, celebrate, and then set course for a new step, a new target.

3. They define it in a way that seems unreachable. You only achieve what you believe. No more, no less. So you must make it believable for you. Set goals that will make you move forward and stretch, but not too high that even you yourself don't believe you can. Take the biggest step you believe you can, achieve it, then take the next biggest you believe you can. This will build positive reinforcement in your self-confidence as well.

4. They never start. Ok, this is obvious. If you keep thinking about it forever, it will forever remain in the thought level. You have to act! Start somewhere, anywhere! Only after you start do you begin to get some feedback which will help you plot your course better. The aircraft has to first take off before it starts to adjust course for its destination. You must start, somewhere, anywhere, doesn't matter, just start! Act!

5. They never make it a must. Let me explain what it means to make it a must. It means marshalling all your intent, your will, your direction, into one singular flow that is directed towards your goal. All obstacles are viewed as challenges to be overcome. You will meet obstacles, and so expect it, but also expect to move forward anyways. Use your obstacles to develop strength and skills, don't run away. Find out how to go past them. Find out! There is always a way, always. And if your emotions are acting against your desire, embrace them, learn what they are, know yourself, but keep moving forward. Make it a must, and it will happen. Guaranteed. You don't know in how many steps it will take, but you know it will happen.

6. They don't have a realistic plan. If you want to do something, find out how it is done from someone who has done it before. Make a realistic plan. Copy from those who have succeeded before you. But don't throw away your intuition. Your intuition is extremely powerful once you learn how to listen to it with practice.

7. If they have a realistic plan, they never follow through on the plan. Well, if you don't follow the plan, who will?

8. They give responsibility to others ("experts") instead of to themselves. This way, they never really learn how to do it, and if there are failures they never learn why the failures happened and so they are bound to repeat them. It is a good idea to get advice, but do it yourself. At least understand it yourself even if you will delegate the actual doing.

9. They give up when they face challenges. Going through the challenges is what has made people rich, not giving up. Look, there are always challenges. So get used to that. You will only get where you wish to get to if you are willing to face the challenges along the path. All challenges are opportunities dressed in work clothes, remember that. After the challenge is over, you will discover the amazing fruit it held for you.

10. They fail to conduct their lives as a business; they never ensure that they make a profit year by year. Get a personal finance package like Quicken or Microsoft Money. you need to have budgets and cash flow statements for your personal finances and your businesses. It is easy with those software packages. If you don't keep records and track, you wont know when you are making or losing money until it is embarrassingly too late.

11. They allow other people's ideas to affect their decisions unreasonably. There will always be people who don't believe in your way, or who are pessimistic, who try to pull you down, or whatever. And they will sometimes be your closest friends and family. You cannot change that - they have a right to be who they are. It is OK. Allow them their thoughts, don't judge them for that, but don't feel obligated to accept their thoughts of follow their way. Don't allow other people, now or from the past, unreasonably affect your decisions. Allow them their way, and you live your way.

12. They don't get quality coaching. This is extremely important! Coaching is simply getting mentored by someone who has succeeded wildly in the area of your interest. Get coaching! Our education system hardly equips us for real life, so don't assume that because you went to college you are properly equipped. Hardly. You need to keep learning. The most successful people attend seminars, read books, join mastermind groups and clubs, find mentors, network, and even hire expensive personal coaches to make sure they succeed.

How many of these reasons can you identify with? Well, now that you see the reasons, you now can look at yourself and make sure that you don't follow ways that are known to not lead to wealth. Follow what works and it will work. And don't forget to enjoy yourself along the way.

David Cameron is the author of wealth and self development books such as A Happy Pocket Full of Money, showing many how to create the lives of their dreams and beyond. Download free trial ebooks, software, courses. http://www.imagesofone.com/?c=a

Article Source: http://EzineArticles.com/?expert=David_Gikandi

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