Debt Consolidation Help: Enlightens Your Darkness Of Debts

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Feb 142024
 

Today every person will find himself in the vicious circle of debts. The basic reason behind this can be that people of present generation believe in high standard of living and want to lead a comfortable and luxurious life. Due to this they start spending lavishly and extravagantly. Unnecessary spending affects their budget and forces them to go for a loan. Once the person is in the web of debt, it is very difficult to come out of it.

When the date of repayment of debt comes near, the person finds himself in the more confused and baffled situation that can affect him physically and mentally both. The person surrounded by debts may sometimes feel lack of money and time while making repayments of debts. Debt consolidation acts as a helping hand to the people in debts.

Today various debt consolidation agencies provide advice to the individuals irrespective of their credit situations regarding the ways available to consolidate their debts. Among them most popular ways are
•Debt consolidation loan
•Debt consolidation mortgage
•Debt consolidation remortgages
•Debt counseling

Debt consolidation loan
It makes an effort to merge up all your debts into one manageable loan. It makes you deal with the single creditor rather than dealing with number of creditors

Debt consolidation mortgage
Owing a home has certain advantages. One of them is that they qualify for debt consolidation mortgage that provides enough funds to payoff creditors. Rate of interest charged is very low.

Debt consolidation remortgages
Remortgage implies that the terms of mortgage are negotiated usually to include a growth in the amount borrowed. It involves a change in mortgage lender as well.

Debt counseling
Debt counseling is one of the services which various agencies provide in order to advice the borrower regarding his creditability.

Debt consolidation help is nowadays provided by many individuals as well as agencies at very reasonable price or sometimes free of cost. Banks and various financial institutions also render these services. The person can meet them face to face or by telephonic conversation to seek expert advice on the financial matters. Online facility is also available. But face to face meeting is always preferred.

Thus, debt consolidation agencies make a significant effort, so that you may come out of this web of debts. Come, hold our hand, and put an end to the vicious circle of debt.

Why Leave The Comfort Of Your Home To Lose Weight, Go For A Private Run On A Treadmill!

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Feb 132024
 

Unfortunately, there are many of us out there who suffer silently with these worries and find it difficult to face our fears. The added pressure of the media promoting wafer thin stick models as the ideal shape, just makes it even worse.


However, there is a solution and we can benefit from the comforts of our own homes!


Imagine being able to go for a 10 mile in your own home, getting fit has never been easier. Some studies have resulted in showing that people get more out of a treadmill than other fitness equipment.

When it comes to a treadmill, you generally get what you pay for and there are many different brands available. From proform to
true treadmills; both very respectable companies, you are looking to get yourself a very good piece of machinery.

“According to the Sporting Goods Manufacturers Association, over 40 million people purchase treadmills each year and the numbers are continuing to grow. Treadmills make up for over 1/3 of all home fitness equipment sales.”

It just goes to show how popular they really are and the statistics
speak for themselves, unless 40 million people each year got it wrong!?

You Don’t Have To Be A Fitness King To Jump On A Treadmill!

A lot of people like treadmills because there is nothing to it. You can jump straight on without a great deal of preparation and even if you don’t work
up a drenching sweat, the results can still be seen.

Treadmills nowadays make it easy to program in routines that simulate hills or vary speeds to increase the effectiveness of your workout and challenge you to reach and surpass your personal limits. The control panels are
user friendly and many machines have built in heart rate monitors.

Spending A Little Extra Time And Money Can Guarantee You A Machine That Will Survive Even The Toughest Workouts!

If you are looking to purchase a treadmill, you could be paying anything from $500 – $3,000 – price really does matter, and it is not wise to go for a cheap model,
rather you should look for a discount treadmill or sale item because the cheaper the model, the less likely it is to withstand the daily
routine of your workout. A few
things that may help you in your decision are:

    The motor and horsepower of your treadmill, this gets the heaviest workout. The figure you want to look for is the – continuous duty
    rating – and try to go for a
    treadmill with 1.5 to 2.5 HP continuous duty. Look for the longest warranty on the motor, at least 1 year and the dc motors are normally
    quieter.

    You are going to want a treadmill with stability and a smooth ride. A treadmill that shakes and jerks is not acceptable and is probably a
    indication of its price.
    The hand rail to your treadmill should be sturdy and be positioned for ease of grip. And the belt must be wide enough and long enough to
    match your stride.

    Going for a treadmill with the most pre set and programmable workouts. The incline and speed should be easily adjustable from the console,
    other added extras are a pulse
    monitor and water bottle holder, which can help when you are planning on running a marathon.

    Many people are tempted to go for a manual treadmill as opposed to a motorized treadmill to save themsleves money, but saving money is
    the only benefit of having
    a manual treadmill.




The Treadmill Vs The Elliptical Machine?

Amongst the equipment available out there, these two have to be up at the top of the list. A quality elliptical machine that works the upper and lower body provides a workout that compares to
that of a treadmill, with regards to the muscles used and heart rate issues.

The main difference between these two types of equipment
is that an elliptical operates more smoothly and creates less of an impact on bones and joints. Which would be good for those with
recent injuries or chronic conditions, but for those that do not have these conditions, it is the impact that helps to maintain and can even improve bone density, which strengthens bones and
prevents the loss of calcium.

Most experts will agree that an average healthy person requires the bouncing and jarring usually connected with walking or running to keep bones, muscles and joints
working in good order.

A treadmill is one of the few pieces of equipment that provide this type of workout. You should find most come with a cushioned platform to lower impact levels and keep it at an acceptable level.

Before doing any physical activity, it is a good idea to check with your doctor first, just in case you have health conditions that may make it difficult to perform that particular exercise.

Tests Find That Treadmills Burn More Calories Than Leading Other Leading Exercise Equipment.

A study conducted by an American Medical College and Medical Center, found a person using a treadmill for 60 minutes burns an average of 865-705 calories.
Here are a few of thye most common items that compared with these results:

    stair machine burned 746-637 calories

    rowing machine burned 739-606 calories

    cross-country ski machine burned 678-595 calories

    stationary cycle burned 604-595 calories


As you can see the results faired quite well against other popular items commonly used. This short article was written in order show you,
the consumer, the benefits of owning and using a treadmill. I am sure that you will agree, the benefits of working out on a treadmill is second
to none. All you need now is to know what treadmill to go for. I have prepared a top five list of the best treadmills available:

    Landice L8 Treadmill
    The Landice L8 LTD Series Treadmill gives you a larger belt for even more movement. It has a powerful 3 horsepower motor driving a 4-ply belt
    over a 63 in x 20 in running surface, letting you hit speeds up to 11 miles per hour and inclines of 15 percent. Computer animated workouts and info
    screens guide you through manual, fatburn, intermediate, advanced and interval workouts.

    Landice L7 Treadmill
    The Landice L7 Executive Trainer and the L7 Cardio Trainer both score highly with Monster Ratings and with Treadmilldoctor.com. The Baldor 3 HP
    continuous duty motor is very powerful. The computer animated display and other features on it are unique.

    Smooth 9.25X Treadmill
    Extra long 20″ x 62″ treadbelt, with 6″ straddle pads. Motor 3 HP continuous duty. This heavyweight treadmill, weighing 304 pounds, gives
    superb stability. User weight is limited to 400 pounds. Also has 12 preset workouts, three custom and comes with free heart rate monitor.
    Speaker system plugs into TV or audio and directs it to your ears.

    Nordic Track 8600 -
    Scores high with Runners World magazine. The drawback – it requires a 20-amp electrical circuit. The i-Fit feature lets you run interactive
    workouts from CDs and videos. Powerful 3.2 HP continuous duty motor. 10 preset workouts, three heart-rate controlled.

    True 540 Treadmill -
    Top rating by Runners World magazine. Respectable 3 HP continuous duty motor. Top speed 10 mph. Workouts: Four preset, three custom, seven heart-rate control and it is Very quiet.

A chinese coup

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Feb 122024
 

Citigroup pushes at the limits to foreign ownership in Chinese banks

IN A manoeuvre sure to incite the envy of its peers, Citigroup is poised to become the first foreign bank, and only the second foreign investor, to gain control of a Chinese lender. The American financial-services giant is leading a consortium that has bid some 24 billion yuan ($3 billion) for an 85% stake in Guangdong Development Bank (GDB), a medium-sized bank from China’s relatively rich south. Citigroup itself could own 40-45% of GDB if the deal proceeds, making a mockery of rules limiting a single foreign investor in a Chinese bank to 20% and all foreigners to 25%.

This would be a comeback for Citigroup, which for two years has had to sit and watch while rivals have grabbed strategic positions in the Chinese banking market. In June 2005 Bank of America (BofA) beat Citigroup to a 9% stake in China Construction Bank (CCB), one of the country’s four biggest lenders. Citigroup even lost a profitable position advising on CCB’s multi-billion-dollar flotation. This time it has moved faster, outbidding ABN Amro, of the Netherlands, and France’s Société Générale for GDB. Although Newbridge Capital, a private-equity firm, was the first foreign investor to gain management control of a Chinese bank, its charge, Shenzhen Development Bank, is barely half the size of GDB, which had assets of 345 billion yuan at the end of 2004.

Citigroup is, however, paying a high price: 2.3 times book value, compared with the 1.15 times BofA paid for its slice of CCB. True, acquirers often pay a premium for control. But GDB’s financial state is precarious. Its liabilities exceed its assets by 35 billion yuan (state subsidies have propped it up); its capital-adequacy ratio is way below international standards; and its profitability is poor.
Moreover, to proceed with the deal Citigroup is being forced to restructure another, and at a price. In early 2003 the Americans bought 4.6% of Shanghai Pudong Development Bank, a middle-sized lender that insiders say is proving a prickly partner. Citigroup promised then not to invest in another mainland bank without Shanghai Pudong’s permission. That has been granted, but only on condition that Citigroup raise its stake in the Shanghai bank to 19.9% at a rumoured cost of $800m, four times the original price per share. Remarkably, Citigroup also had to agree not to set up a joint-venture with GDB in credit cards, China’s most promising financial business and the only one the Guangdong bank appears to be any good at.

Still, Citigroup’s rivals will surely cry foul. By last October, 22 foreign banks had spent $16.5 billion on stakes in 17 mainland lenders, but had gained little real influence. The Chinese authorities will argue that GDB’s poor state and smallish size make it an exception. And Liu Mingkang, the banking regulator, gave warning last month that should foreigners be granted more than a quarter of a Chinese bank, that bank would then be considered foreign, subject to restrictions that, among other things, allow yuan-denominated business in only a few cities. Still, he will now come under pressure to raise the caps on foreigners’ stakes. That might allow the likes of HSBC, with 19.9% in BoCom, a larger and far sounder bank than GDB, to gain real management control. Inadvertently, Citigroup’s coup may end up profiting its rivals more than itself.

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Take Hassle Free Finance Through Woman Business Loans

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Feb 112024
 

One development of economies expanding world over is that it has created a larger enough space for women entrepreneurs’ participation in various businesses. Now they contribute significantly towards strengthening of economies. This in turn has compelled financial institutions to take women seriously when they ask for a loan and women are taken as big potential for generating loan business. Woman business loans are gaining popularity amongst business women now for easy accessibility of the loan and lower interest rate. Women entrepreneurs are making use of woman business loans in numerous purposes like starting a new business project, paying back to creditors, buying a business and so on.

Both small and larger scale business women entrepreneurs are equally eligible for taking woman business loans. Many financial institutions including small banks have mushroomed up in the business of giving the loan. Popularity and demand of woman business loan can be judged from the fact that, in America, they have formed Small Business Administration especially to advise and encourage banks in offering the loan to women. Also, there are number of women’s business organizations helping the cause of business women.

So, it is now easier for women to avail loans. But before applying for woman business loans, women should first take one necessary step towards the loan. Those who want to start a business; they should first own a credit card under the name of the business. The credit card will bring women into the process of credit rating which is very crucial in availing woman business loans.

Women can take woman business loans in secured and unsecured forms like any other loans, To take secured woman business loans, women have to place any of their property like home, car as collateral with the loan providers. Collateral will help women in many ways. It is on the basis of collateral that they can get even a larger loan. One advantage of secured business loan for women is that it has lower interest rate attached to it.

In case women do not want to take the loan against their property, still woman business loan is accessible to them. All they required to do is provide some evidence of their regular income source and financial standing. Though the unsecured loan usually is offered at higher interest rate, the rate still can be brought down once women compare different interest rates of lenders.

Business women also should be aware of the importance of credit rating. Under the FICCO scale credit score ranges from 300 to 850, and 720 and above is labeled as risk free while below 580 is bad credit for loan. Business women should make efforts to maintain good credit record to avail the loan at better terms..

For the best woman business loan deal, applying online, women will get many loan offers to chose from.
Woman business loans are immensely helpful in establishing business. The loan goes a long way in strengthening women’s position in the business world if taken with care.

Improve Your Home With Online Home Improvement Loans

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Feb 102024
 

Thinking about home improvement? But don’t have enough time to look for lenders? There is an option for you – online home improvement loan that is less time consuming and easy to access.

Generally, online home improvement loans are similar to other sort of home improvement loans. The terms and conditions of these loans remain same. As a secured loan, online home improvement loans are served against collateral. With online home improvements loans you can borrow money ranged from ₤5,000 to ₤75,000 along with a repayment period of 5- 25 years. But obviously, your personal credit history, your monthly income, the choice of collateral will matter a lot to decide the loan amount.

However, Online Home Improvement Loans are bedecked with lots of advantages. These are as follows:

• It is true that applying for a loan is a time consuming matter. Meeting different lenders personally, asking for their loan quotes, execute lots of paper works- it really takes a lot of time. But online service is less time consuming. Just click the mouse and get all information within few seconds.

• With online home improvement loans, you can get an opportunity to access multiple lending sites that will help you to choose the best deal. So, within few minutes you can find out the appropriate loan that will suit your expectations and need.

• Usually online lenders provide home improvement loans at lower interest rate. Thus, by applying for online home improvement loans you can save your money as well.

• Many of us prefer to take some advice before applying for a loan. This facility is also available with online home improvement loans, as many lending websites also provide valuable advices of experts. And these advices can guide you to choose the best deal.

• Above all, the application process is simpler and completely hassle-free. You just need to fill up an online application form where you will mention all details about yourself. After that, the form will be processed and forwarded to the customer service executive, who will review it. Sometimes, you may be asked by the lender to submit the credit report that will give information about your credit score and credit history. Then, the lender will contact you automatically with the loan options he thinks suitable for you.

Home improvement loans as the name suggests are mainly used for home improvement purposes. It could be major or minor. Some common purposes are like,

• Adding new rooms
• Refurnishing or repairing home
• Landscaping for garden
• Renovation
• Doing some urgent repair.

It can be said that the Internet has brought the world into our fingertips. Every possible thing, whether shopping or applying for loans- all can be done online. Home improvement loans are a boon of the Internet. So now, if want to avail loans for improving your home then just click the mouse and make your search easier.

0% APR Credit Cards Explained

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Feb 092024
 

What Is A 0% APR Credit Card? Many of us have heard about them, but has anyone every explained 0% APR credit cards to you? Well, for starters, the APR or annual percentage rate is the rate of interest credit card companies charge on outstanding payments. The amount you are charged depends not only on the rate of interest, but also on the method of calculation of rates of interest. 0% APR credit cards are credit cards that charge you no interest on credit, for a specified period of time. The best 0% APR credit cards offer 0% APR’s to customers for up to 12 months. After 12 months the credit card issuer charges you at the normal rate. The card issuer assumes a risk by offering you interest free credit for such an extended period. They balance that risk by offering 0% APR credit cards to only customers with the best credit.





What Determines Your Credit?





Your credit depends on a number of factors. Your credit score, also known as the FICO score is widely used as a credit rating for Americans. Since your credit rating will determine whether you are issued a 0% APR credit card, knowing what goes into the score helps a great deal. Your credit score is determined based on five parameters. The most important among these parameters is your current debt and your history of repayment of debt.





The other three parameters for calculation of credit score are the length of your credit history, amount of new credit and types of credit used. Based on these five parameters, the individual is given a score ranging from 300 to 850. This is indicative of the credit worthiness of the person at a particular point of time. People with credit scores above 770 usually qualify for a 0% APR credit card. However scores above 700 are also considered good. 0% APR credit cards typically require, at a minimum, very good credit and often will require excellent credit.





One method used by customers to avoid interest is balance transfer credit cards. It is possible to shift from a credit card that charges interest to a 0% APR credit card using a balance transfer, provided you have the requisite credit. Once the introductory period of the card expires, people often shift to other 0% APR credit cards using the balance transfer method. Doing this however harms your credit rating and can hurt your prospects of receiving good credit in the future.





Prudence Pays





It is good to be informed of clauses like the universal default clause. This clause states that if you default on your payments to one creditor, for example a bank, it affects your credit rating and can increase the rate of interest you are charged elsewhere. Responsible vendors realize that informed customers make for the best customers in the long run.





0% APR credit cards sometimes come topped with other offers. You can find a variety credit card offers online that come at 0% APR from the best companies. Choose the 0% APR card that makes the most sense financially and functionally. And always try to maintain you good credit rating that got you your 0% APR credit card in the first place.

Put An End To Your Anguish With Bad Credit History Unsecured Loan

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Feb 082024
 

In today’s era where we have unlimited wants, it is inevitable for anyone to fall under the dark mist of debts. You may acquire a bad credit due to arrears, defaults, bankruptcy etc. Now you look out for some way to settle your debts. Your banker declines to give you loan because of your bad credit history. The harassing calls of your creditors are not letting you sleep. Choosing a bad credit history unsecured loan can facilitate you to put an end to your anguish.

Bad credit history unsecured loan is given to a person who is suffering from a bad credit history. Since this loan is not curtailed to collateral, therefore it is easy to obtain. It is ideal for non-homeowners, private tenants, council tenants and PG’s who have a bad credit history. Homeowners who do not want to put their property into the risk of repossession can also opt for the loan property into the risk of repossession can also opt for the loan.

The lender has no claim on any of your assets so a slight hike in the rate of interest is natural to occur. Negotiating with the lender can help you get bad credit history unsecured loan at an affordable rate of interest.

Since you have a bad credit history, it is important for you to know your credit score. A credit score of 850 is considered as the best. On the other hand a score of 600 and below is regarded as poor. If you have a bad credit score, you must take immediate steps to repair it. Knowledge of credit score will help you get correct rates.

One can use bad credit history loan for a variety of purposes. You can use it for debt consolidation, making home renovations, purchasing an automobile, meeting wedding expenses and much more.

Bad credit history unsecured loan benefits the borrower in an array of ways:-

• No risk of property seizure
• Reduced paper work
• Easily available
• Affordable rate of interest
• Helps to improve credit score

The loan market is swamped with a number of lenders dealing in bad credit history unsecured loan. Local banks and financial institutions are the commonly used ones. Visiting these lenders personally is a chaotic job. They involve enormous paper work.

With the dawn of online lenders in the financial market the loan procedure has been simplified to a great extent. You can access infinite lenders with the click of the mouse. Just fill in a hassle-free online loan application form. Use the online loan calculator to compute the rate of interest and monthly installments payable on the loan. You can also seek the advice of an online loan expert to choose an appropriate loan deal.

Hence, bad credit history unsecured loan can help you take control of your finances and regain your lost reputation in the financial market.

Empower Your Business With The Help Of Secured Business Loans

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Feb 072024
 

Business is like a tree. Just like a tree arises from a minuscule seed, businesses also start from the scratch. A strong capital foundation at the beginning can take your business to great heights. If you are deficient of money to invest in your upcoming business, do no be anxious. Secured business loans can be an optimum solution to start trade from the nick.

Secured business loans are availed by keeping a collateral against the loan. Any valuable asset can be offered as collateral.

The presence of collateral lowers the interest rate charged on secured business loans. If the collateral placed is a salable item of a higher amount, the borrower gets the benefit of drawing a much larger amount from the loan. The monthly installments are smaller and the borrower enjoys a longer repayment period which may exceed from 3 years to a maximum of 25 years.

Secured business loans are capable of solving various purposes of an entrepreneur. These loans can be used to start up a new business, pay off the previous business debts, buy a business or expand the existing one.

People incurred with bad credit were usually denied of loans in the past. But now the scenario has changed. Lenders believe that many entrepreneurs fall into the bad debt trap with no fault of theirs. Because of this reason they lag behind in the field of business. But if they agree to place a security they can avail the same benefits of secured business loans as other entrepreneurs who have a strong credit history.

While applying for secured business loans, the loan provider requires certain documents for valuation and approval of the loan. Details like the value of collateral, employment history, length of ownership, current income etc are to be presented before the lender. If the entrepreneur is to make a fresh start with the business, he needs to explain the business plan to the lender and how will it help him to repay the loan.

Exploring the financial market can help you get the finest secured business loan deal. Online lenders are easy to approach and are free from hurdles. They have eliminated the huge paper work and have come up with a short online loan application form. The entrepreneur can apply from the computer sitting in any corner of the world. In case if any confusion arises in the mind of the borrower, he can seek the advice of an online loan expert.

Do not hesitate to apply for secured business loans as they provide you the adequate cash required to empower your business.

How to Consolidate Student Loan

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Feb 062024
 

Tired from paying interest on student loans every month, afraid of the deadline of paying back loans, there is a solution of your tensions, STUDENT LOAN Consolidation. In student loan consolidation, a student may enjoy many benefits; some of them are following below.
1.lower monthly payments
2.only one monthly payment rather than paying separately
3.Student loan consolidation rates are very low, fixed interest rate cannot exceed 8.25% at any time, coupled with national interest rates at a 40-year low.
4.For the application of student loan consolidation, you don’t have to offer any credit card check or processing fees.
5.the terms and payment plans of student loan consolidation are very flexible, the provider can mode them according to your financial needs
6.While you don’t need to consolidate in order to take advantage of this one, you can knock an additional .25% off your rate by making your monthly payment electronically. This electronic debit option does more than save you money – it decreases your chances of forgetting a payment.
7.The option to prepay your loan at any time without incurring a penalty
Sometimes a student got confused about the qualification of applying for student loan consolidation. But now government clears that students who are still in their grace period or cannot re pay their owe money on a student loans can qualify to get student loan consolidation or those who are still in school may consolidate their government-guaranteed loans

Today in the market, there are many companies offering student loans to the college students, but when it comes to their interest rates, they are charging very high. A student has to pay interest on their loans, every month, which is quite impossible for some due to lack of money and time. When it comes time to pay back their student loans, it can be a real burden and a distraction from their career. For those, student loan consolidation is a best deal and step to follow. In this, you don’t even get low interest rates, but can enjoy other facilities including grace period of six to nine months, only one monthly payments, tension-free mind etc.

Due to existence of government sector, a student has an opportunity to enjoy the offers given by the government as they are quite competitive than private. Student loan consolidation rates is fixed and cant be changed after signing the contracts and whenever student has graduated or ceased to be a full time student, he can also enjoy the benefit of grace period of six to nine months which allows him to get employed and repay their loans easily.

What Is Network Marketing?

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Feb 052024
 

To begin with, the concept behind network marketing is simple.
Sharing – through product or business philosophy – is the basis
of network marketing.

Network marketing is a multi-billion pound industry involving
millions of independent business people around the globe.
Large companies like Gillette, Colgate-Palmolive, AT&T and others,
have all turned to network marketing because of the very real edge
it gives them in both domestic and international marketing.


Network marketing is a ‘BIG’ small business, which offers everyone,
with or without business experience, the opportunity to start and
run a home-based business that works. It is the last frontier where
‘the little guy’, (people like you and me) can make it BIG.


NETWORK MARKETING
Vs
TRADITIONAL MARKETING


The traditional way of marketing products is to move them from a
manufacturer through a network of middlemen. National Wholesalers,
regional wholesalers, Cash & Carry warehouses, retailers, – the
‘middlemen’ – all add their ‘valueless’ percentage to the price
of the product.


By the time the product or service reaches you, the end user, you’re
not only paying for the product, but a percentage of the price for
each and every middleman in the network. In network marketing there
are no middlemen. Instead of paying them, a network marketing company
will pay you for whatever amount of product you cause to be ‘moved’.


As a sole individual operating alone, the amount of product or service
provision you could ‘move’ from your own efforts, would be relatively
small. In network marketing however, the amount you ’caused’ to be moved
indirectly could be HUGE.


Here then is the essence of a network marketing compensation plan. For not
only will you be compensated for the product or service provision you
personally cause to be moved from your own direct efforts, you will also
receive indirect compensation for the product or service provision that
your ‘organisation’ ’causes’ to be moved.


YOUR ‘ORGANISATION’

To be successful in network marketing you will need to build an ‘organisation’.
That is to say you will need to ‘share’ the benefits of both the products/service
provision and the business opportunity with others. In network marketing this
is referred to as your ‘downline’.

The ‘serious’ money to be had in network marketing is to be had from what is
termed as ‘over-ride’ commissions from the ‘movement’ of product or service
provision from the ‘downline’ your ‘sponsor’ will help you to build.
(In network marketing it is the responsibility of your introducing ‘sponsor’
to help you build your ‘downline’.)

All you need to do initially to build a ‘downline’ is to ‘share’ with others
the information about the products or service provision and the business
opportunity on offer.


Theoretically, if after ‘sharing’ the information with others and you
subsequently attracted just five SERIOUS individuals who decided to
join you in your network marketing business – for illustration purposes
only – your ‘downline’ could equate to the following after five levels
of geometric growth:



You

You sponsor just 5 SERIOUS people into your business.

Your level 1/ 5

They duplicate your efforts and each sponsor 5 SERIOUS people.

Your level 2/ 25

These 16 duplicate your efforts and each sponsor 5 SERIOUS people.

Your level 3/ 125

These 125 duplicate your efforts and each sponsor 5 SERIOUS people.



A little arithmetic will tell you that’s theoretically a total of 3,905
people on your fifth level.


AN UNLIMITED INCOME POTENTIAL

Imagine the power of a business-building plan that would pay you an agreed
‘over-ride’ commission on each product or service provision ‘moved’ by each
and every one of those 3,905 potential distributors in your downline.
Network marketing then is about a LOT of people ‘moving’ a little product.
The more people you introduce, the greater your income potential. Notice
that I said SERIOUS people. You may find that you have to introduce 20,
30 or even 50 new distributors before you find a person who Gets SERIOUS
about the business.


If you want to toss aside the potential earnings on offer as being ridiculous
or impossible – DON’T. I personally have met people who are earning $5,000 to
$50,000 per month (yes per month) from network marketing for part-time effort.
Though the majority of networkers earn hundreds rather than many thousands per
month, (most working part-time) it must be understood then that if you are to
make serious income, you must put in serious effort. No free lunches here!
The professionals in Network Marketing (those that earn HUGE incomes) recognise
that to become successful you must “go through the numbers”. That is, sort through
lots and lots of people until you find those people who get SERIOUS about the
business.


There are two prongs to earning in Network marketing. First, is, of course,
building a ‘down line’. But remember, a large organization of people who do
NOTHING other than sponsoring others, earns NOTHING!

Second is, BALANCE and CONSISTENCY. Spend some time building your organization
yes, but also spend time PROMOTING your products/services to others and use the
products/services yourself!


SO HOW DO YOU CONVINCE PEOPLE TO JOIN YOUR BUSINESS?

The simple answer is you don’t. You want those who convince themselves. If
they are truly looking for a way to become successful, then they’ll come to
you to go after it. The key to achieving success in network marketing is not
to be had by convincing people, but by helping those (SERIOUS) people who want
to become successful themselves.


WHERE DO I FIND PEOPLE TO JOIN ME IN MY BUSINESS


As it has been estimated that 20% of the working population – MILLIONS of people –
would be interested in starting their own business, the marketplace in the USA
alone is truly enormous. When you take into account that many network Marketing
companies operateon a GLOBAL basis the potential for growth is quite staggering.
With a recent MORI poll indicating that 50% of 16 – 25 year olds were interested
in starting their own business, the marketplace is actually growing!

One of the most important things to recognise is that the most precious resource
available to you is in the new blood – the millions of business opportunity seekers
who are not presently involved in networking. For it is there that you will find the
success stories of tomorrow for your downline organisation.



CHOOSE THE RIGHT COMPANY

In any successful business it is the quality of the product or service that is
being offered that is the single most important aspect for its success.

The most lucrative compensation plan in the world will NOT provide you with an
on-going residual income if the product or service doesn’t provide tangible
value and benefits for yourself and your customers.

Provide a product or service that people need, want, coupled with a business
opportunity they are willing to tell their friends about and you can build
yourself a business empire in network marketing!


TIPS FOR THE TOP?


Tip# 1/ If you’re already involved in a network marketing programe and you’re
being ‘sold’ primarily on the benefits of the compensation plan with the
product or service being offered as a secondary consideration, then read
the above paragraph again and MOVE to a company whose products or services
‘move’.

Tip# 2/ Ask yourself this important question: Is the network marketing programme
I’m considering joining one that I’m willing to share with my friends and family?
The comment “I don’t want my friends and family to know what I’m doing, l want to
become successful FIRST – then I’ll introduce them!!” is almost legendary in
network marketing. (A comment oftimes made by failed networkers who had no real
belief in the company or the products they were promoting in the first place!)


If you immediately feel comfortable with the prospect of letting your neighbors,
your friends and your family know about the network programm you’re considering
joining, have belief in the company and its products/service provision, have
confidence in your introducing sponsor, then you have probably chosen the right
company to work with.

Tip# 3/ Don’t be impatient by expecting things to happen overnight! Building a
moderately productive downline in any network marketing programm takes TIME –
many months not many weeks.


Tip# 4/ Read tip 3 again and avoid like the plague any company which suggests
otherwise or does not require you to invest in the development of a distributor
base. If your prospective sponsor in the network marketing programm you’re being
invited to join doesn’t stipulate that it takes TIME to build a significantly
productive downline then it’s not a business your being invited to join but a
game – and one you’re bound to lose!


Tip# 5/ If you want to dine with the classes – deal in products or services
wanted by the masses!

If you have tried Network Marketing before and failed, you probably chose the
wrong company, the wrong sponsor, or the wrong product.


TO SUM UP

Network marketing isn’t for everybody. While some people swear by network
marketing, others simply swear! (Read tip No. 3 again to find out why).
To succeed in network marketing you will need determination, commitment,
enthusiasm and most importantly – a burning desire for success. If you
believe you have those qualities get back to the person who provided you
with the details of their network marketing opportunity TODAY.


Yours in success,

Kevin Quigley

P.S.

If you’ve enjoyed this article, please be sure to forward

it to a friend.

Girls, Puberty and Acne

 Free Deals  Comments Off on Girls, Puberty and Acne
Feb 042024
 

The following article covers a topic that has recently
moved to center stage – – at least it seems that way. If
you ‘ ve been thinking you need to know more about it, here ‘ s
your opportunity.

Girls go through many physical and psychological changes
during puberty. These changes include body composition, fat
distribution, menstruation, growth spurts, body and facial
hair growth, body odor and skin changes. The body
physically changes as the fat tissue increases in the hips,
thighs, and breasts producing the natural hourglass shape
of females. With all these changes going on, what impact
does acne have on girls during puberty?

During puberty girls experience an increased likelihood and
severity of acne from the increased oil secretions in the
skin. Puberty is often a strenuous time and acne only adds
to the difficulty. During puberty girls usually experience
increased irritability, mood swings, and feelings of low
self esteem. Even girls who have been extremely sure of
themselves may suffer from low self esteem when puberty
sets in. These changes may be even more extreme in the girl
also suffering from acne.

The negative changes in girls during puberty are made even
worse if acne is a problem. You can help deal with the
changes when you know how to lessen the problems of acne.

Practical Acne Treatments For Girls…

You may not consider everything you just read to be crucial
information about acne. But don ‘ t be surprised if you find
yourself recalling and using this very information in the
next few days.

Proper skin care is the first step in treating acne. The
face should be gently washed with a facial cleanser. There
are many skin care products on the market that may help
with acne. To kill the bacteria that generate acne the
cleanser should contain salicylic acid, benzoyl peroxide or
sulfur. Gentle cleansing is an important factor when
dealing with acne. A typical mistake is to clean the face too
often and with harsh cleansers. Careful cleaning of the face
twice a day is the best way to go.

There are some cosmetics that can be detrimental if you are
trying to control acne so it is important to use
non – comedogenic products. Non – comedogenic products are
less likely to cause acne, blackheads or block the pores of the
skin. Today there are many non – comedogenic products
available, such as makeup, lip stick, moisturizers, and
even acne medicated makeup.

The changes experienced during puberty can take a mental
and physical toll on girls. The onset of acne unquestionably
makes these changes even harder to deal with. It is a good
idea to visit with a dermatologist if the acne can not be
controlled with over – the – counter medications.

A dermatologist will understand the changes that are
associated with acne and will be able to offer advice and
treatment programs. It ‘ s also important to be sensitive
and offer support to girls as they go through the difficult
time of puberty.

Now might be a good time to write down the main points
covered above. The act of putting it down on paper will
help you remember what ‘ s important about acne.

*You have permission to publish this article* electronically, in
print, in your ebook or on your web site, free of charge, as long
as the content of this article is not changed in any way and the
author bylines are included.

If you choose to publish this article I would appreciate an e-mail
letting me know where it will be published. rufreester@gmail.com