Archive for April, 2010
Investment World Outlook
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The greatest transfer of wealth in the history of the world is well underway. Yet we hear little about it from our TV talking head “experts” or politicians. Has our political system become so corrupt that no one in power has the guts to speak the truth? Probably
The wealth transfer is taking place because of two mega trends. The first is the high cost of oil and other raw commodities that net consumption nations like the US are forced to pay in the highly competitive world marketplace. When you have a habit of always consuming more than you produce trouble is sure to follow. Money can not flow out of a county to pay for it’s over consumption habits forever. A day of reckoning will eventually take place.
A serious effort at energy conservation and placing funds into savings accounts rather than immediately spending more than you make seem to be impossible for most Americans. But than the people are encouraged to indulge in unwise behavior by the nations “spend your way to prosperity” nonsense put forward by the nation’s politicians. Evenually the people will realize that they have been grossly mislead by their leaders. You can not hide a falling standard of living for long.
The second mega trend affecting money outflows from the US is that the trade and fiscal imbalances (deficits) being accumulated are totally out of control. Never in the history of the world has a nation been able to truly prosper when money flows are net huge outflows. The US has been able to sustain such imbalances so far only because the US Dollar enjoys a unique position as the premier reserve currency in the world. However this privileged position will not persist forever.
While the process of financing American debt is a complicated one in effect the thifty poor people of the world save at high rates and then lead funds to the United States where over the past few years people spend more than they make. The US currently borrows about three billion dollars a day just to be able to keep on going. This is clearly a dangerous and unsubstainable process.
The transfer of wealth to entities outside of the US weakens the ability of the US to compete in world markets as it’s financial position weakens and it is unable to finance an expansion of it’s manufacturing base at competitive rates. It is a fools paradise to think that a service economy can long survive near or at the top of a competitive world. True wealth is made by nations that produce goods that are in demand.
With the two mega trends mentioned above well underway the risk that foreign nations will take measures to reduce their dollar exposure is more than a worry. Nations are quietly adjusting their own foreign exchange holdings to reduce the amount of Dollars held by their treasuries. At some point the risk is that the Dollar will go into a rapid free fall, which would destabilize economic growth worldwide and cause economic hardship for many millions of famlies.
As wealth continues to be transferred from high consuming nations to surplus oil and commodity producing nations the outlook for world peace is not encouraging. Wars have been fought over far more trivial matters than decreasing standards of living amoung lower income and middle class families of a proud nation like the US.
And how might all of this mega trend business effect your own investments? Certainly you should take steps to reduce your own US Dollar exposure. Perhaps you should take a look at forex investment. Owning resource rich backed Canadian and Australian Dollars is a good bet.
Cashing out of the stock market and real estate market near all time highs is likely a very good idea. And controling your own spending a debt is always a great idea as it gives yo more money to invest.
Then we come back to gold. An all time high in that market is likely a few years away. In my opinion every investor should have some gold in their investment portfilio. Just in case things get really rough over the next several years.
Gerald Greene
http://www.articlesbase.com/investing-articles/investment-world-outlook-60042.html
Gold Investment Versus Alchemy – Turning Dross Into Gold!
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I’m often asked if Gold is a good investment and I invariably answer that gold may well be a good long term investment for an investor but I am a wealth creator and the very word “investment” is simply not part of my wealth creation vocabulary.
This statement usually results in a very perplexed look on my questioner’s face.
And so it was with Walter. Walter is a financially struggling bank employee and came to me to learn about wealth creation. (Yes I assure you, there are tens of thousands of financially struggling bank employees out there.)
‘Charles, so you are saying that if you had a spare $25,000.00 you would not even consider exchanging it for gold bullion?’
‘My dear chap, why would a wealth creator swap one asset (money) valued at $25,000.00 for another asset (gold) also valued at $25,000.00? Rather pointless exercise don’t you think?’
‘But gold may rise in value and your money might devalue – isn’t gold a hedge against such occurrences?’
‘Yet equally, gold could go down in price and the currency strengthen – surely what you are contemplating is just a form of gambling, is it not?’
‘On that logic all investment is a form of gambling, as prices of any share or commodity can go down as well as up. That is why one needs to weigh the risks.’
‘Exactly so – and that is why I am a wealth creator and not an investor or speculator. Investors and speculators hope and pray for some future event to occur, whereas a wealth creator insists on increasing one’s wealth at the point of purchase.’
‘But Charles you can’t buy gold bullion at wholesale rates – as you well know the spot price is fixed daily.’
‘Who said anything about paying wholesale price for it – I would prefer to be an alchemist and turn dross into gold.’
Walter’s young moon face went red with frustration. ‘Oh come Charles, please be serious with me and stop toying. I truly want to be wealthy one day and on a bank teller’s salary alone, I can’t see that happening.’
‘Oh but I am being serious. Turning dross into gold is a very enjoyable hobby – the challenge is not whether one can accomplish the task – merely how quickly one can accomplish each stage of the goal one sets for one’s self.’
‘An enjoyable hobby! … But how on earth do you do that?’
‘Simply by making the conscious decision to become a wealth creator – develop your own part time wealth program and stick to it. Besides my book The Secrets Of Wealth Creation Revealed, I’ve written many free articles that are now all over the web. Study them and then begin your wealth program ASAP! There are a thousand and one ways to accomplish the task of turning dross into gold. It’s a matter of first knowing the principles, secondly establishing an easily managed workable plan – then thirdly, having the fortitude to stick at it.’
‘You mentioned setting “goal stages” could you give me an abbreviated example of how one goes about the process?’
‘Well if your desire is to amass gold then if I were you, I would have a clean out boot or yard sale of all superfluous items in my possession (dross) to raise some initial capital. I would take that small amount of money and taking my time (because time is virtually immaterial to the success of this endeavor) haunt charity shops, other peoples yard and boot sales, auctions etc and buy items that I know I can resell at several times the price I paid.
I would keep a list of the expected realizable value of such items (wealth total) and keep buying and selling till that list total becomes about $9,000.00 in value. Now I know to you that may sound difficult to achieve right now but please understand, if you are working on 200% minimum mark up, this can be accomplished so quickly. That is $150.00 in sales becomes $450.00 which becomes $1,350.00 which becomes $4,050.00 which becomes over $12,140.00 and so on.
Now as I said, once that total of goods on hand passes $9,000.00, stage 2 of my wealth plan would come into effect. That is, I would then save the proceeds of the next approx $3,000.00 of sales (depending on current spot price) and purchase a 5 ounce gold bar.
The realizable value of the remainder of stock would still be a minimum of $6,000.00. My next task would be to quickly increase this total back up to $9,000.00 and then repeat the gold purchase. You can continue this process until you feel you have amassed enough gold.
You will find as you learn and gain experience, wealth creating will become your second nature. Opportunities will materialize all around you. Soon you will be running in and buying gold bars at least twice a month. People will think you have the Midas touch and you will be able to say ‘No it isn’t that at all – It is all the result of Alchemy and my dear old friend Charles Goodwin!’
Do not worry about the spot price fluctuating. Merely stay detached and consider that you are simply turning dross into gold and of course that is exactly what you are doing. If you have any doubts in your own abilities divide all the figures by 5 and initially buy an ounce of gold at a time. I can assure you the journey is both exciting and interesting. You will learn so much upon this journey and then one day the penny will drop and you will suddenly realize that the world is now your oyster. You can create as much wealth as you desire.’
‘Charles, forgive me – but may I ask the obvious question. You have shown me a fool proof way to amass great wealth, what do I do about taxation?’
‘I am a wealth guru as well as a mystic! Would I leave you floundering without a tax plan equally as simple and equally as effective? No of course I wouldn’t. But at some stage you will simply have to beg, borrow or steal a copy of (or dare I say it – even buy a copy!) The Secret Of Wealth Creation Revealed and truly – all will be revealed!’
Charles Goodwin
http://www.articlesbase.com/advice-articles/gold-investment-versus-alchemy-turning-dross-into-gold-69528.html
Credit Card Debt Consolidation Loan – Prevent Deterioration of Credit Status
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Since credit cards are plastic money, using them until you run up debts running into thousands of dollars is common. You borrow and borrow on your multiple credit cards until you are faced with a bad credit status. Then there is the mandatory rush to pay off the loans. Not everyone can pay off these loans, though. It is then that people opt for credit card debt consolidation loan.
A credit card debt consolidation loan is created to help people pay all unsecured debts and improve their credit standing. While a secured debt is tied to an asset, an unsecured debt is not tied to any asset and includes most credit card debt, bills for medical care, signature loans, and debts for other types of services. The credit card debt consolidation loan becomes a single loan to repay all your debts, a single loan to release you from multiple debts. This loan does not demand that you make an immediate payment on what is borrowed. As a borrower, you have a convenient loan term to pay your loans.
Who Can Benefit from These Loans?
Defaulter of multiple payments such as credit card payments, insurance premiums, mortgage arrears, benefit from taking these loans. Individual Voluntary Judgments are taken into account for constructing a borrower’s credit history. One single failure on the payment score i.e. if you do not make payments on time or fail to pay, it could tarnish your credit score further. Your credit report is a useful means of informing lenders about your credibility. One missed credit card payment could mean you are losing a chance to borrow in future. A credit card debt consolidation loan turns the situation in your favor.
Borrowers with a bad credit score are offered a credit card debt consolidation loan. By turning to these loans, the borrower can prevent a further loss of credibility in his credit report. So what are the benefits users can expect from this loan?
As the loan meets borrowers’ debt situation precisely, so the interest rates are charged accordingly. Moreover, the credit card debt consolidation loan is not required to be paid off instantly, so you get sufficient time to make convenient payments.
If you start paying the monthly installments of this loan on time, the credit bureaus renew your credit reports as per recent payment records. The rates offered by these debt consolidation companies vary. However, the task of finding the best deal on these loans is not difficult. The key to locating it is to invest quality time in browsing lending companies, which have both experience and repute in the market in dealing with similar debt situations. Plan carefully, select the right credit card debt consolidation company, and find out the loan that fits in with your ability to pay off your debts on time.
Apurva Shree
http://www.articlesbase.com/debt-consolidation-articles/credit-card-debt-consolidation-loan-prevent-deterioration-of-credit-status-146453.html
Vedic Astrology Xvi
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Vedic Astrology Lesson 16
Regarding the Second House
The second house is the significator of wealth and speech. Domestic happiness is also its signification.
If the second house is a benefic sign and if the second house is tenanted by benefics and if the second lord is in a quadrant or a trine, he will become immensely rich with oratorial prowess.
If the Ascendant lord is weak and if the second lord is weak with malefics posited in 6,8,12 houses, he will be poor and helpless. If the second lord is exalted in a quadrant or trine, and if that sign ispositor is powerfully posited in benefic houses, he will have remendous wealth and will protect a lot of people. If the second lord is aspected by benefics and is posited in a quadrant or trine, he will be handsome. If not, he will be ugly and wicked. If the second lord is aspected by malefics and is with malefics, he will stammer and stutter. If the second lord is with malefics, is posited in the tenth with an afflicted Sun, and if Mars and the Sun are posited in the second house, his speech will be afflicted and he will be rejected by others.
The Effects of the Second Lord in the 12 Houses
The Effects of the Second Lord in the Ist House
As the 2nd lord is in the ascendant the native will be wealthy. But there may be strained relationships with other members of his/her family. He/she wants to be away from home and he/she will long for pleasures outside his/her home and family. The native have to be careful not to get involved in fraudulent transactions. They will be subjected to vicissitudes as financial ups and downs mark their career. They do not care much for manners & their manners may be frowned down by society. Domestic happiness becomes a problem. The native will be sweet tongued but sometimes she/he will be prone to anger and angry words.
The Effects of the Second Lord in the 2nd House
As the 2nd lord is in the 2nd house, the native will be financially sound. To be great is to be misunderstood & the native’s expressions of self-confidence and pride are likely to be misunderstood. Flattery will give ego satisfaction. They do not like those who question their knowledge as they feel that they know all the answers. They are most likely to have a small family. They will be sweet toun- ged and will be known for their gift of the gab. The native’s wealth will be above medium and above want.
The Effects of the Second Lord in the 3rd House
If the 2nd lord is in the 3rd the native will be blessed with the qual- ilites of valour, wisdom and economic prudence. They believe that love is physical and do not believe in Platonic Love. To the native love and existence are synonyms. The native may fall under the temptation of atheism and the native may become attached to luxurious life. One sister will help. They are interested in music and fine arts and this will help them professionally. The native needs intellectual company in both love and business. They are not bothered by religious rituals. The native may be looked down upon by people as a miser.
The Effects of the Second Lord in the 4th House
As the 2nd lord is in the 4th, the native will be blessed by house and conveyances. The native will be blessed by a pious and religious mother. They have to develop a protective shell to shield themselves from those who assassinate their character. They will be frugal in money matters. The native will earn well from land & automobiles as 4th house represents vehicles and land. The native’s oratorial prowess will impress the native’s friends & relatives. The native may be helped by maternal relatives. The native may be helped by the native’s mother and her brothers & sisters.
The Effects of the Second Lord in the 5th House
As the second lord is in the 5th, the native will be lucky with investm- ents which will pave the way for prosperity even for the next ge- neration. The native may become a victim of abandonment & lack of symp- athy. This may shock them to the extreme.This has a bad effect on them in the sense they become unkind to people. Gains unexpected in the form of lotteries likely. They find the domestic atmosphere restrictive sometimes and sometimes enjoyable. This is good for speculation. They can try their luck in lotteries & the stock market.
The Effects of the Second Lord in the 6th House
As the 2nd lord is in the 6th, the native gains from and through enemies power, privilege and wealth. The native will cut anyone to size who go against the native’s wishes & aspirations. They always achieve what they really want even though people say they employ means that are not above board. The native’s wealth and power may be attributed to black marketing, black mailing and deceit. Be careful about health. The native may be assailed by health hazards in the latter part of life. The natives are likely to be subject to persecution from enemies. The native will emerge victorious in the end.
The Effects of the Second Lord in the 7th House
As the 2nd lord is in the 7th the medical profession may attract them with its treasures. They always condescend and always help others who are lacking in luck. They may waste much money for the gratification of the senses. They have to instill discipline at home. Otherwise they will be criticised heavily. The native may have many sources of income, one of them foreign. The native’s partner may be religious and pious. The native’s partner will have a good aristocratic background. The native’s wealth will be subject to fluctuations as alternate ups and downs mar the native’s career.
The Effects of the Second Lord in the 8th House
As the 2nd lord is in the 8th it will be difficult for them to retain assets. Misunderstandings with members of family likely. The native’s hypersensitivity is so high that even a hint of emotional abandonment can bring about unreasonable panic, if not terror. They are likely to lose wealth. Elder brother may misunderstand The native will have to put in extra effort to retain inherited wealth. Relatives turn enemies. The native’s words may be misunderstood and there may be enmity. Domestic happiness becomes a problem. Beware of anger and angry words.
The Effects of the Second Lord in the 9th House
As the 2nd lord is in the 9th, the native will attain to wealth & the native will have professional expertise during the latter part of the native’s career. During the early period of the native’s life there will be considerable suffering, both physical & mental. The native may secretly resent the loss of childhood innocence & pleasures. The native have to establish unrivalled command on others to retain the image of superiority & self respect.The native will visit pilgrim spots and follow Religion & Philosophy as 9th house represents Wisdom. The native may get legacies & benefits will come from many a source.
The Effects of the Second Lord in the I0th House
As the 2nd lord is in the 10th house the native will have professional expertise in whatever profession he has chosen. The native will have to exercise the maximum temperance & keep away from temptations. The native’s concept of love is that it is physical and corporeal They do not believe in Platonic Love. The native may not get much happiness from progeny. The native will be engaged in many a vocation. The native will do business or take to agriculture The native will also indulge in philosophical dissertations or lectures. As a result the native may get fame, name & largesse.
The Effects of the Second Lord in the 11th House
As the 2nd lord is in the 11th, manifold will be the sources of income The native will attain fame by virtue of his/her diligence. The native’s health will progressively improve. During childhood the native may have health problems. The native can earn money by banking and finance. The native’s self development stuns people and growth generates envy, as both 2nd and 11th represents wealth The native will be sufficiently welloff and above want. As the 11th represents the fulfillment of all desires the second lord posited therein indicates that all the native’s desires will be fulfilled.
The Effects of the Second Lord in the I2th House
As the 2nd lord is in the 12th, the native will be devoid of immense wealth. It is quite likely that the native may be interested in other’s material possessions. The native may not get much happiness from the elder brother. The native may yearn for such love. The native may be cheated by people. There may be violation of confidentiality as the trust the native place in people may be violated. The native should curb the tendency to criticize others. They may have a vocation connected by rituals and religion. They are quite likely to be involved with the government.
More quality information about Vedic Astrology & an Astrological
Analysis can be had from http://www.astrologiavedica.com/html/vedichoroscope.htm
Astrology and the Science of Numbers ( Numerology )
Numerology, dealing with Numbers and with the Numberless Infinite as the base, can be a prognosticating tool in the psychic sciences. One’s lucky numbers can be known and this can be used in one’s profession.
More quality information about Astro-Numerology and a free Astro-
Numerological Report can be had from http://www.astrologiavedica.com/html/numerology.htm
Astrology & Gemology
Richard Shaw Brown, Jr ( www.agt-gems.com) gives a list of the Nava Ratnas along with secondary gems and their ruling planets.
1.RUBY, red spinel.red garnet,,and red tourmaline [rubellite] are ruled by the Sun
2.NATURAL PEARL,moonstone,white coral and natural[death] ivory are ruled by Moon
3.YELLOW SAPPHIRE,yellow topz,yellow beryl[helioder] and citrine are ruled by Jupiter
4.HESSONITE.orange zircon,spessertite and other orange garnets are ruled by Rahu
5.EMERALD.,tsavorite ,green tourmaline,diopside,peridot and jade are ruled by Mercury
6.DIAMOND,white[colorless] sapphire, white topaz, zircon and quartz are ruled by Venus
7.CHRYSOBERYL CAT’S EYE,beryl, apatite and tourmaline cat’s eyes are ruled by Ketu
8.BLUE SAPPHIRE,tanzanite[blue zoisite],blue spinel, iolite amethyst are ruled by Saturn
9.RED CORAL.carnelian and bloodstone are ruled by Mars
More information about Planetary Gemology & a Gem Prescription Report can be had from http://www.eastrovedica.com/html/gem.htm
Astrology, Holistic Medicine & Ayurveda
Why holistic health practices fail or succeed partially Main reason for the failure of holisitc health practices is that Prana or Life Energy does not flow freely within the individual or between the individual & the universal life, owing to the presence of obstructions within.These obstructions are caused by Samskaras, psychic memories or residual traces of our past actions and experiences. Samskaras are of two kinds, those which only produce memories ( smriti ) of past experiences and those which produce impulses or drives to repeat these experiences ( vasanas) . These two are interlinked to form complex patterns of love, hate, fear etc. It is these complexes that obstruct the free flow of Life-Energy in us.
Removing Mental Blocks
Many of these complexes are formed in childhood and adolescence. Then unpleasant or traumatic experiences take place, the tendency of a child or teenager is to repress them. Repression is a form of pushing the psychic memories into the unconscious regions of the mind. The growing youth may not be able to recollect those psychic memories again, but the repressed samskaras lodged in the hidden recesses of the unconscious go on creating psychological and psychosomatic problems for him. All psychosomatic disorders cannot be cured by holistic health tech- iques unless these repressed complexities are ferreted out and onfronted. The past samskaras should be deactivated. For this the seeker has to dive deep into his unconscious & encounter the past experiences and deactivate them. Most people find it difficult to do it without the active help of a competent guide. Those who depend on the Ocean of Consciousness ( the Absolute or God ) may , however, find that these inner blocks are removed by Divine Grace.This is the rationale behind faith healing & miraculous cures.
Extension of Consciousness
Life,a gift from the Divine, is a great healing power. Nothing ever begins to be; Substance merely undergoes a parallel transformation into conditions which pre-existed in other conditions. Life, similarly, does not begin to be. As Energy, as per the Law of Conservation of Energy or Matter cannot be created or destroyed, so too is Life Eternal.
At the physical level, the eternal healing power of life manifests itself as
a) Self-renewal
b) The immune system.
For many years it has been known that the body can filter and re-use its fluids & repair damages to tissues, especially skin and bone, by growing new cells. Modern Science has shown that self-renewal is constantly taking place in every part of the body. Almost all the cells in the body are constantly being replaced by new ones. Somebody said ” I am not the same person I was one year ago”! The entire body gets renewed in this way every year & this shows that it is never too late to regain your health. By changing one’s basic attitudes and way of living, the damage to the body caused by years of misuse & neglect can be overcome. One the great marvels of the universe is the human immune system. Those who are aware of the biochemical processes going on in the body will agree with Walt Whitman ” To me every hour of the day & night is an unspeakably perfect miracle”. Dr Walter Cannon said ” The Wisdom of the body is the most precise of all selective refinements” !
The Components ( Four Units ) of our Immune System
The fourfold immune system consists of the following units;
1 The granulocyte-macrophage unit
2. The lymphocyte unit
3. The antibody unit
4. The complement unit
The first two are varieties of white blood corpuscles, wherein the last two are chemicals, proteins. All the four units of our immune system launch a concerted attack on the invaders as soon as a few bacteria break into any tissue in the body. ( The antibody unit has been defined as an army of one million) Western medical science is wondering who masterminds this attack or who plans these strategies. Common sense, logic, intuition & experience suggest that somewhere behind all this there must be a master control. Why do sometimes cells become malignant and attack neighbouring cells ? Why it goes awry, sometimes,when our defence units attack innocent cells mistaking them for enemy microbes ? Western medical science is researching hard to find answers to these difficult questions.
A good site where you can get quality information about Holistic Medicine is www.holistic-alt.com
Ayurveda, as the Science of Holistic Health is curative and restorative and its medicines do not have side effects. More info about Ayurveda can be had from http://www.chakrapaniayurveda.com/
Astrology & Yoga
Yoga is derived from the word “Yuj” which means to unite. Union with Cosmic Creative Intelligence is the aim of Yoga. The Fourfold Yoga has been prescribed for Cosmic Union in Oriental Philosophies.
They are
1. Union via Action ( Karma Yoga )
2. Union via Psychic Control ( Raja Yoga )
3. Union via Universal Love ( Bhakthi Yoga )
4. Union via Wisdom ( Jnana Yoga )
Union via Action is for the person of active temparament.
Union via Psychic Contro is for the person of adventurous temparament
Union via Universal Love is for the person of emotional temparament.
Union via Wisdom is for the person of intellectual temparament.
These four paths are not different from one another. They are all part of the Fourfold Yoga. Certain qualities are to be inculcated in the seeker if he is to achieve the Ultimate Goal. Prajna has been defined as the discriminative intellect. When the intellect discriminates between the Real & the Unreal. The intellect which discriminates between Being and Non-Being. This quality should be incorporated by the Intellectual Man if he is to progress in the path of Jnana Yoga.
Love is defined as the greatest of all the positive qualities of man. This quality is to be incorporated by the Emotional Man if he is to progress in the field of Bhakthi Yoga.
Control of Mind or Psychic Control through Raja Yoga should be incorporated by the Adventurous Man if he is to progress in the field of Raja Yoga.
Selfless Service should be incorporated by the Active Man if he is to progress in the field of Karma Yoga.
In other words, since the Fourfold Yoga has been prescribed for mankind , all these four great qualities – Selfless service, love, psychic control & the discriminative intellect should be incorporated by the spiritual aspirant to develop in the field of Yoga.
Yoga was defined by Aurobindo as a methodic process towards self-perfection through a development of the latent potential at the five levels of Being – physical, vital, mental, intellectual & spiritual. Normal man lives only in the first three sheaths – physical, vital & mental. Only when we use our hidden spiritual potential – the intell- ectual & the bliss sheaths – can be unfold our full mental potential.
More information about Transcendental Philosophy & Yoga can be had from http://www.eastrovedica.com/html/yoga.htm
Astrology & Occult Vibratory Chemistry ( Tantra )
Vedanta focusses on the Sat ( Existence ) aspect of Absolute Being. Tantra, on the other hand, focusses on the Chit ( Knowledge ) aspect of Being. The Existence aspect is absolutely absolute while the Knowledge aspect takes care of the Absolute and the Relative.
More quality information about Tantra & Yantras can be had from http://www.astrologiavedica.com/html/yantra.htm
Books as the repository of all knowledge
The outpourings of the Intuitive Mind came to be known as great Literature, the rise and flow of Eternal Wisdom. While the Rational Mind of man focussed on Science, the Intuitive Mind of mind focussed on the supra-mundane, the sublime, the divine. Poetry was defined as the fulness of generation of Beauty. All knowledge of both the Rational and the Intuitive Minds were recorded as books, which remain as the source of all information.
More quality information about spiritual Books & CDs can be had from http://www.astrologiavedica.com/html/Books.htm
Article by G Kumar, Astrologer, writer & programmer of www.eastrovedica.com. Recently he was awarded a Certificate by the Planetary Gemologists Association Global ( www.p-g-a.org ) as a Planetary Gem Advisor. He has 25 years psychic research experience in the esoteric arts. To subscribe to his free informative Ezine, the Z Files mailto:info@eastrovedica.com?subject=SubscribeZF. His Astro blog is up at http://www.zodiacastrology.blogspot.com & his Philosophy blog is http://transcendentalphilosophy.blogspot.com Mobile 091 9388556053
G Kumar
http://www.articlesbase.com/education-articles/vedic-astrology-xvi-62481.html
Grow your Internet Business With Pay Per Click Search Engine
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By © Arthur, The Internet Opportunity Home
As you probably know, Google is the world largest search engine serving around 200 million requests of information a day at the time of writing this article. With such a large users based, no wonder many internet businesses are currently making use of Google Adwords (http://adwords.google.com) to GROW their internet business.
With a small activation fees of US$5.00, you can start getting high quality traffics to your website. Bidding for Adwords start from a range of US$0.05 – US$100
However, it doesn’t mean that you should rush into Google Adwords without any proper plans.
First determined which MARKETS are you TARGETING and how you want to market your products or services. For e.g. if you are selling an affiliate product, first find out information like:
– is it a global products/services that is available and delivered for every country
– the Language of the Target market
– which countries are internet savvy and more likely to buy your products/services
– is there any payment restriction for e.g. clickbank and paypal both have their countries restriction where payment will not be accepted. You will be wasting your money if you include those countries in Google Adwords.
Next, with the above information collected, you can start to write out your Adwords bidding strategy.
You will burn a hole in your pocket if you just bid for two keywords like [home business]. To lower your cost per click, try bidding for a combination of words.
For example:
– based business home home make money online work
– make money at home easy home business
– business earn home make money money online work
Bidding for adwords required research, trail and error. Normally, PPC like Google Adwords will have a keywords research tools which allows you to research common search words. Try to think of as many different combination of words that you think you’ll used to search for a home business opportunity. Also, you can asked your family members or friends what word will they used if they were searching for a home business opportunity.
With the bidding plan in place, you should now think about how you can capture as many email address as you can when the visitors click through to your website. The COST per click is already there and normally, it take a human 7 days to consider before they take any buying actions.
Many PPC Marketers will have either a free ezine or short marketing course with an autoresponder to capture their web visitors email address so that they can follow-up with them.
Finally, monitor your Sales Conversion result for each PPC promotions and check whether are you targeting the correct markets with those keywords which you have bid.
If you plan wisely before embarking your PPC promotion, you can actually maximize your Income against your cost.
Wishing you success in using PPC promotion for your Internet Business.
Arthur
http://www.articlesbase.com/online-business-articles/grow-your-internet-business-with-pay-per-click-search-engine-75142.html
Retail Sales Training Essential To Increase Retail Sales Performance
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Retail Sales Coaching should be designed to work on behalf of each individual Salesperson who wants to succeed for them, while being part of an environment that nurtures and speeds their growth.
Retail Sales Training is for each person who cared to show up today to express themselves in a retail sales environment and who demands more of themselves. Retail Sales Training is for people who want to feel they have done their best with what they knew, today.
Retail Sales Coaching’s purpose is to clarify, in a realistic, truthful and meaningful way, precisely how each person can perform better. It must do this by connecting people with the objectives of the company within the framework of their own need to succeed and be recognized.
Retail Sales Training Software must work by identifying the absolute area of selling skill, the one out of five key performance indicators (KPIs), which if the Salesperson were to focus on exclusively, would become their best performance enhancer – their best chance at optimum improvement.
Retail Sales Coaching Software should be about helping your company and its people become richer by revealing the truth about their performance, on an individual basis, so your Salespeople can focus on making their most significant improvements in the shortest period of time.
The result of implementing the right solution is that each Salesperson’s performance is increasing at optimum speed, so you can expect your retail store as a whole to increase sales by anywhere from ten to thirty percent.
Any Retail Sales Training system of appraisal and reporting should make sales people accountable for their time by measuring their performance according to key KPI’s, against each other, and against the store average. Unless measurements are taken on a regular basis and compared with the rest of the people on the shift it would be impossible to know the area in which to train.
Today, most POS software programs generate KPIs such as average sale, items per sale, sales per hour. However, they do not allow store managers to set sales goals and divide them up proportionally between salespeople so effectively POS sales reports are useless.
While door counters are useful unless they integrate with an effective Retail Training software program they cannot generate Conversion Rate KPIs – one of the fundamental KPI’s used in Sales Training.
There are software programs available to compliment your POS that will do the job including breaking down slow and fast periods of the day by weightings.
Here are some things to look for in a Retail Sales Training Software Program:
• Store Information Register to record specific information about the store.
• Staff Information Register and Coaching Log to record specific information and availability and coaching history of each sales person.
• Weekly Sales Goals Planner that automatically divides the store sales goal fairly between the salespeople on duty, including taking into account slow and fast periods of the day.
• Weekly Staff Roster to allocate staff to a time and attendance schedule within the framework of the store’s wage budgets, warning when over rostering and helping to improve wage to sales ratio efficiency.
• Actual Performance Score Card that tracks individual actual sales performance against individual sales goals to identify areas of weakness and strength so that managers can coach behaviors.
• Optimally, coaching tips should be integrated so managers can quickly get information about coaching on specific deficient selling skills.
The objectives of Retail Sales Training Software Programs are to:
• Increase profits, decrease costs, motivate staff
• Bring Retailers in line with industry Best Practice
• Filter company sales objectives down to Individual Salespeople on the shop floor
• Focus Store Managers on the two operational expenses within their control: Wages and Individual Sales Performance
• Make Salespeople accountable for their time
• Reduce payroll by Rostering within set wage parameters
• Identify each individual Salesperson’s deficient selling skills each week
• Show sales trends for each individual salesperson and store
• Integrate self-based coaching to give front line store managers’ tips on demand
• Motivate employees by instilling a performance based team culture
• Identify best performers allowing Store Managers to roster those staff more often – yielding a higher wage to sales ratio or ROI
• Reduce attrition rates, retain good staff
• Introduce a system of setting standards, tracking, measuring and reporting results, identifying under performance and coaching for success
• Integrate with POS to produce instant information at Salespeople’s fingertips.
Retail competition is fierce and times are tough. If you want to increase retail sales performance then coaching sales people is vital to success. Successful retailers put into place best practice retail training software programs to help them immediately identify skill areas requiring coaching attention.
Without the help of retail performance metrics you may be wasting valuable training time and missing the point for each individual salesperson.
Steven Lipschitz
http://www.articlesbase.com/affiliate-programs-articles/retail-sales-training-essential-to-increase-retail-sales-performance-38516.html
What Does Entrepreneurial Leadership Really Mean For Your Children?
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What does today’s financial environment present for your child and their future?
In an advertising frenzy of I-pods, I-phones, branded objects and label hopping examples of seemingly never ending desires financially expressed by your children, how does a parent convey the best measure of entrepreneurial leadership to their children? Parental leadership sets a course for financial freedom and overall sustained success for your greatest asset, your child.
The main goal in providing financial leadership for your children is teaching them how to have the ability to purchase a lifestyle to sustain the highest level of well-being. To transfer this knowledge to your child requires a considerate and careful approach and is relative to the desires for real life achievements.
Parents who seriously consider the financial success of their children are surely prone to present their own life money management acumen as the clearest examples. Too, parents today are developing their own standards of “parental marketing,” geared towards the expressed goals of their children.
Primarily winning formulas that worked for good ‘ole dad or mom will be valued by children who have been directed along those same paths set by practical examples by parents. Parents must devote the same energy and attention to financial education as applied to other areas of the lives of healthy and emotionally sound young minds.
While a motivated and well educated entrepreneurial parent should grasp the time tested concepts of balance sheet affluence vs. income affluence and actual wealth, these concepts will not translate to your children’s individual success without the practical leadership of the parents. As with other areas of successful life skill sets parents have no less obligation to teach money management, budgeting and investing than they do to neglect to teach a child to walk.
At the “heart of the undertaking”, parents bolster every aspect of a child’s confidence to successfully navigate troubling economic times. Parents offer ultimate support and strength when tangible efforts are made to include their own children in the financial melieu of the home.
Make everything count, every opportunity to expand on the decisions you make regarding money need to be shared as an age appropriate learning resource for your child. Dedicated time and efforts narrowly define and enhance the individual financial choices parents make for the well-being of their family.
Parents who may be languishing in their own financial woes and perhaps feel inadequate to the leadership task are often scrambling to fill the information void. There have been strides made in many public sectors to provide information to parents who want to do a good job providing for their children’s financial education. Content and online access to experts offers many interactive services, peer support and tailored opportunities to reach the needs of children. Most leading sites for information distribution realize the vast reach and responsibilies, rounding out the depth and breadth of trustworthy commentary on active lifestyle issues with successful and deliberate integration of editorial and advertising partnerships, providing consumers and their families with practical advise about money matters. For example, ivillage network, one of the leading sites on the internet was built as one of the top destinations for highly credible information.
School curriculum around the country is also affirming the need to teach and address financial knowledge as imperative to the development of a literate child. In fact no one could argue this may be the most important variable for the overall success for the next generation’s prosperity, well being, and opportunities to effect change. Collectively as the next generation is answering the call for self determination, educators are working hard to dismantle the mysteries for some folks to not only survive economically but to thrive. One of many groups concerned with children’s financial literacy, the South Carolina Economic Council, which in fact focused on teaching children about finances, reports “teaching children about money and finances has moved to the front of the educational agenda.” Too, concerns relating to inadequate financial educations have been voiced by ranking members of the Senate Banking Housing and Urban Affairs Committee.
The purchasing power of a dollar may have changed in the course of any lifetime, however today winning formulas of money management and leadership encompass formulas of economic care and the willingness to take financial risks only worth the reward.
Marica Lowery
http://www.articlesbase.com/home-and-family-articles/what-does-entrepreneurial-leadership-really-mean-for-your-children-714613.html
Free Affiliate Marketing: Can I Still Do This Business Almost Free?
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Many of the most successful affiliates would normally pay for their advertising and as such, this often begs the question: “Does free affiliate marketing actually work?” We already know that top affiliates often opt for PPC or the pay-per-click ads to help them market their services or goods and while it isn’t free, it does make it easier for them to measure their results as well as re-invest their profits whilst they constantly increase their budget and at the same time increase revenues as well.
However, not a lot of people are aware of the fact that many of these high flying affiliates actually started with free marketing. In time and a whole lot of effort, they made their way up and into paid affiliate marketing. After all, they all have to have started from something and unless they already had quite a hefty marketing budget when they first started out, its likely that these today’s top affiliates made their way up through the use of free marketing strategies.
Now, I know what you’re asking, why change from free to paid? This is because free affiliate marketing can be very time consuming and as such when an affiliate reaches a level of earning that allows them to upgrade, they do it without any second thoughts.
As one move up the earnings ladder, time becomes more and more valuable and thus it makes more sense for them to pay for PPC ads instead of moving forward with free marketing. Needless to say, this proves that free affiliate marketing does work and is also responsible for helping many of today’s top affiliates upgrade themselves and reach their most coveted positions.
There should be no excuses for you not to start your own affiliate business if you are willing to follow a proven system and commit your time and effort. Stay focus and take massive action to achieve your goal.
Zack Lim
http://www.articlesbase.com/affiliate-programs-articles/free-affiliate-marketing-can-i-still-do-this-business-almost-free-751619.html
Setting Up A Greenhouse
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If you are a gardener who doesn’t want your level of success to be determined by the weather, setting up greenhouses may be your solution. Not only will your crops not be subject to damage from the weather, you can actually control the climate in a greenhouse.
Having the ability to manage the environment in your garden can make it possible for you to cultivate plants that don’t normally grow in your climate. By controlling the conditions, you can even produce out of season. This is really an avid gardener’s fantasy. Greenhouses unlock the barriers to gardening by making it viable to grow anything, anytime, no matter where you live.
There are several things that you need to know when planning on setting up greenhouses. Taking care to plan will increase your potential while saving you money. It requires a little research, lots of thought and that loathed process of budgeting, but all in all, it is lots of fun, especially when the planning is done and you can make your ambition of being a phenomenal gardener a reality.
There are five things to be considered in the planning process:
? Different types of greenhouses
? Greenhouse accessories
? Needs assessment
? Location
? Budget
After building the knowledge, determining your needs, selecting a location, and setting your budget, you will be ready to devise a plan and put it into action!
Types of greenhouses
Building your knowledge concerning the different types of greenhouses will make the process so much easier. There are various different types including different sizes, shapes and building materials. Whether you are planning for a huge garden, a small garden, or an herb box, there are greenhouses available for you. Hobby gardening to commercial gardening can be accommodated.
Greenhouses are available in several sizes. They range from a window box to a full-size building. You can select an attached greenhouse (attached to your house or another building), or a free-standing greenhouse. There are even portable greenhouses, or hobby greenhouses, that can easily fit on your porch.
A lean-to shape is common with attached greenhouses, although an even-span can be attached too. A window-mounted greenhouse is a small, attached greenhouse. Free-standing greenhouses can take any shape and size.
What is more to important to some than shape or size is the building materials used in the construction of a greenhouse. The materials used will determine the cost, the durability and the level of maintenance that will be required to keep the greenhouse in good shape. Some materials will require a permanent foundation; while some that are intended to be portable, won’t require a permanent foundation.
The frame of a free-standing greenhouse can be made of wood or pipe with choices of different grades of wood, plastic, aluminum, or galvanized steel pipe. The type of framing material may be dependent on your choice of coverings. For coverings you may choose tempered glass, fiberglass or plastic film. In selecting the materials, you should consider the pros and cons of each as well as the cost, maintenance requirement and durability.
If you are building the greenhouse yourself, you should check with your local building inspector to find out about recommendations for materials in your area and whether or not a building permit is required.
Greenhouse accessories
It is best to become familiar with greenhouse accessories before you select your greenhouses or develop your budget. In order for your greenhouse to work, there are some accessories that you will definitely need. Other accessories are for convenience.
One of the most important accessories to consider is watering devices, because plumbing may be required. Plumbing can really cut into your budget. So, it is a good idea to check out the options for watering your plants inside your greenhouse. Of course, you can carry water and hand-water your plants if you have the time, but there are watering devices that will automatically water as instructed.
The next most significant knowledge to build is about climate and light control equipment. This includes equipment that will help you to control the environment in your greenhouse. Temperature control equipment such as heating systems and solar panels will allow you to control the heat, while evaporative coolers, humidification devices and shade cloths can help to cool and humidify the area. Ventilation and air circulation equipment may be necessary too. Artificial lighting can be used to compensate for sunlight if the greenhouse doesn’t get enough sunlight.
Control equipment really adds potential to your greenhouse. It can actually create an environment that best suits your garden, regardless of your climate or the weather. Control equipment can be automated, where it takes care of itself, or it can be manually implemented as needed.
Of course you will need planters, pots or containers, unless you plant right in the ground. Plant stands and shelves will allow you to plant more in less space. You will also have to have the basic gardening supplies including hand tools.
These are a few of the necessary greenhouse accessories. In your research, you will become familiar with lots of accessories that make gardening in a greenhouse a whole lot simpler and more enjoyable.
Assessing your needs
It is very important that you assess your needs. Otherwise, you will likely end up getting something that doesn’t meet your needs. When that happens, you will end up spending loads of money to revamp your plan after you find out that greenhouses you have selected aren’t sufficient.
After you have done all of the research on types of greenhouses and greenhouse accessories, you will know what is available. You will probably know what you want, but you need to make sure that it will meet your needs.
Now is the time to decide if you want a large greenhouse, or maybe more than one small greenhouse. It all depends on what you are planting and the best environment for the plants. For example, if you are planting plants that grow best in dry environment along with plants that require humidity, it will be best to have two greenhouses so that you have the ability to control environment appropriately.
Decide what you are going to plant and do the research to determine the best growing conditions for the plants. This will help to establish what you need in terms of greenhouses and accessories for controlling the environment.
Selecting a location
Location of the greenhouse will dictate what gardening accessories are needed in regard to lighting control. Some plants don’t require a lot of light, while some require sunlight for the whole day. Positioning your greenhouse will determine whether or not you need artificial lighting. Choose a location where the greenhouse gets sunlight all day if you can. If you can’t, be sure to plan for artificial lighting to compensate for shady hours in the day.
Budgeting
Budgeting is usually the first thing you do when planning a project. You probably had some idea of how much money you could spend on your greenhouse project, but after doing all the research, you are likely to find that you need more money to get exactly what you want.
Now is the time to separate your wants from your needs. This may include formulating two budgets, one for now and one for later. For now, take your current budget and plan to purchase the things that you need to get your greenhouse going. Your budget may decide whether you will buy prefabricated greenhouses, have your greenhouses built, or built them yourself. It may decide what accessories you can get now, and what conveniences you will have to put off until later. Later, you can always add-on or buy additional accessories to enhance your gardening experience.
Be sure to put your greenhouse plans in writing including drawings of what your long-term plan includes. This will help you or your contractor to remember what you are shooting for throughout the project. With good written plans, you won’t accidentally place things where they will have to moved or torn down to expand your greenhouse. Of course, things can be moved, but moving them can be expensive and can jeopardize the strength and durability of the materials.
Planning before you start to build greenhouses is vital. It can save you lots of money and make budgeting so much easier. It can actually set long-term plans to create the perfect gardening atmosphere, one that you will be proud of and enjoy working in.
Every gardener has a dream. Make the vision a goal, and you’ll definitely realize it. Making the gardener’s dream come true is promising with a little research, a lot of planning, patience, and hard work. It may not be something that you can have tomorrow, but you can start small and build-up over time until you have the garden that you never imagined possible.
If you have done a good job of planning, the future won’t include wasting your money by tearing down your insufficient greenhouse. Your greenhouse will be an investment in your long-term gardening plans.
David Beart
http://www.articlesbase.com/gardening-articles/setting-up-a-greenhouse-135874.html
The Pain with Investing
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Discover why most people attatch pain to Investing, and what prevents them from being successful…
Duration : 3 min 12 sec
