In Conclusion

* The Dow Jones Utilities Average This long-term lead indicator shows the condition of sensitive income and interest stocks.

* TRIN (Trading Index) This indicator tracks the volume of rising and declining issues.
When you have a bull market, TRIN falls from above 1.20 to below .70 during one trading day. When the market is bearish, TRIN goes from below .70 to above 1.20. If TRIN registers 1.00, this means there is an even relationship between declining and advancing stocks.
Ask the Investor Relations Officer When all else fails, you can ask a company's investor relations officer (IRS) for information about a corporation's status. Before you turn to this source, do your homework and see if your questions cannot be answered in some other way. When you call the IRS, have a written set of questions in front of you that you want specifically answered.
It is the company's right to not answer any of your questions. In fact, the IRS is limited to information like the company's future plans, media announcements, or figures which have already been made public. But the IRS can discuss pertinent information, such as labor relations and competitors, which may influence the actions of your stock.
As you can see, you are not limited to information given to you by your stock broker. The more you learn about corporations and the stock market, the more wise you will be with your money. If possible, take a couple of investment courses at your local college. If not, read all the information you can find on the subject. It's your money. You are the one who can take care of it like no one else.

SAVE MONEY (AND MAKE BIG MONEY) WITH FREE INVESTMENT HELP PART 3

* Accounts payable you can spot potential cash problems in a company by investigating the accounts payable section of the financial statement. If the company pays its bills on time in one lump sum, it is in good financial condition. If you notice that bill payments are getting stretched out, the company might be having cash flow problems.
Investment Newsletters
Another source for information is an investment newsletter. There are dozens of them on the market today, and the trick is to find the one that best deals with your interests and needs.
No investment newsletter is going to be 100 percent, or even 75 percent accurate on its choices. You need to view a newsletter as a springboard for your own investment ideas and research. Avoid newsletters full of hype and adjectives like "Stupendous" or "once in a lifetime chance." Try to locate a newsletter that is full of restraint, and explains its choices in a logical manner. It also helps if the newsletter you choose has a consistent record of picking the good stocks.
Before taking any investment newsletter, decide if you are a long term investor-willing to take a loss at times and in the investment for the long haul-or short term investor in need of immediate information for today's stock market. There are newsletters available for both kinds of investors.
On the surface, newsletters can seem expensive, with a $45 to a whopping $7,000 per year subscription price, but compared to what you would pay for a money manager, you can end up saving in the long run. Whether you use a broker or not, remember that the information in these newsletters is up-to-the-minute in many cases. If you act on it too late, it can cost you.
Here are some of the best investing newsletters:
Astro Geometrics Journal $282 per year for 12 issues to subscribe, call: 312-559-5500
Astro Investor $45 per year for 12 issues to subscribe, call: 317-357-6855
Crawford Perspectives $250 per year for 12 issues to subscribe, call: 212-535-6202
Cash in on Chaos $250 per year for 12 issues to subscribe, call: 303-452-5566
Market Systems $366 per year for 12 issues to subscribe, call: 818-509-1133
Be Your Own Broker If you enjoy investing in government securities, you can cut out the broker's price by buying you own Treasury notes and bonds directly from the Federal Reserve Bank.

Simply write a letter to the Bank or one of its branches, stating the securities to be bought, and the name under which any notes or bonds will be registered. Enclose a check for the face value of the securities ($10,000 minimum for bills, $5,000 for short-term notes, and $1,000 for bonds). Make sure your letter is postmarked by midnight the day before the next securities auction. The government will send you a receipt along with a refund for the discount determined at the auction.
Do Your Own Forecasting through Technical Analysis Technical analysis is the fine art of predicting the major trends of a particular stock by studying its price pattern. It can work very much in your favor, because the price of stocks is set by what others think it is worth, not by what it is actually worth. Since stockholders tend to stay in love with a stock for a period of time, you may be able to cash in on this without using any inside information or top research analysts.
The technical analysis of price patterns can show you how big of a move to expect from a particular stock, but it can also get you into trouble if you become too impatient and buy or sell before the signal for it actually happens. The result can be disastrous for you.
One way to tell when the market is ripe for a breakthrough is to watch the Dow. If you see, interest rates are peaking and heading down, a large number of stocks hitting the new high list, volumes in excess of 60 million shares a day, and strong moves in the transportation and utility averages. This is the time to put your knowledge to work for you.
Watch Other Indicators besides the Dow although trends on the Dow Jones Industrial Average are reliable sources of market information, it is not the only method for predicting market movements. Some of the other indicators to use in conjunction with the Dow are:

*The Quotron Change This indicator is especially effective if you have mutual funds, because funds track more closely to
Quotron than to the Dow. Quotron lets you know what the market is doing in broad term, on both the New York and American Stock Exchanges.

* The Over-the-Counter Composite Index This index shows the cumulative performance of over-the-counter issues. If you see it outpacing the Dow, get ready for a bull market. If the index is weaker than the Dow, plan for a bear market.

* The Dow Jones Transportation Average This indicator tracks intermediate trends between bull and bear markets.

SAVE MONEY (AND MAKE BIG MONEY) WITH FREE INVESTMENT HELP PART 2

Since no one wants your money to increase faster than you do, why not take responsibility of your own future and educate yourself on investing?
Small Stockholders Can Profit Even if you don't own a great deal of stock in a company, you can occasionally make a 10 percent profit from them. Once in a while, a company offers to buy the stock of its small investors at a 10 percent profit just to save money on having to serve small stockholders. If you are offered such a deal, study the market, see where the stock is going, and then perhaps take the premium and roll it over into another kind of stock.
The nice thing about this kind of transaction is you can deal directly with the company, instead of paying an extra fee to your stockbroker for transacting the business.
Become Your Own Securities Analyst
You don't have to be a big-time investor to do the same kind of investigating top security analysts do. A security analyst gleans information from the financial statements of major companies around the world. As a smaller, individual stockholder, there is nothing to keep you from taking advantage of this source of public information.
Some of the important information located on financial statements include:

* Deviations and inconsistencies look for any areas where the company broke away from trends or otherwise acted unusual.
Especially compare the information presented in stockholders reports with the material filed with the Securities and
Exchange Commission (SEC). These sources might be able to show you places where taxes were deferred, depletion allowances, and different tax credits.

* Inventory figures these figures are the company's heart and soul. They can tell you whether the raw materials on hand match the finished products being shipped out, and whether work in progress is keeping up with production.

* Accounts receivable these can show you a company's policy on handling allowances for doubtful accounts. If the ratio to receivables is down, the company is manufacturing false earnings. If it is up, they might be heading into trouble. An accounts receivable can also let you compare this year's receivables' activity to previous years.

SAVE MONEY (AND MAKE BIG MONEY) WITH FREE INVESTMENT HELP 1

In today's wild business climate of corporate downsizing, hostile takeovers, rising and falling interest rates, and a stock market ever on an inexplicable spiral, you really need the help of an expensive brokerage house to help you make sense of it all, right? Not so fast! Here are some things you should consider before handing over your money to the hands of strangers.
Most brokerage houses are honest businesses, but many are not above playing fast and loose with your funds. Do a lot of people lose money when they hire a brokerage firm that handles their money? Yes, and a lot more often than you think.
Furthermore, think about this: that piece of paper full of fine print you sign when you give your money into their care basically ties your hands. Once you sign, they have the power to control your money. If you don't like what they do, you may have to accept the decision of an arbitrator, unless you take your complaint to a federal district court, or insert language into the original contract which protects your rights. Either way, the hassle can be enormous, and costly.
Brokerage firms offer advice on how to invest your money, but sometimes you can run into serious trouble with a stockbroker if you are not paying attention. Stockbrokers have many ways of getting extra money from you. The most common problem is negligence, whereby the stockbroker fails to comply with an order. Another problem arises from a situation called "churning." When a stockbroker churns your account, he advises you to make a transaction which creates commissions for him instead of profits for you. Finally, and in conjunction with churning, a stockbroker can misrepresent an investment, with his own interests in mind instead of yours.
Despite the big bucks spent by brokerage firms designed to convince you that you need them, the truth is that you don't. All it takes is a bit of homework, and an ability to take advantage of free or cheap information available to you in any library or on any bookshelf.
There is nothing wrong with using a reputable brokerage firm to handle your market transactions, but don't be dazzled by the purported "knowledge" of your assigned stockbroker. They're not much smarter than you, and they'll charge you a hefty price for their services.
Several ways exist for you to cash in on markets and funds, and a number of free or reasonably-priced information sources are available to help you along the way.

15 AMAZING WAYS TO SUPER CHARGE YOUR BUSINESS SUCCESS

11. TELL THEM EVERYTHING YOU KNOW. Spill the beans, so to speak. Since today's customers want information, knowledge and helpful ideas, do everything you can to share everything you know. This is the only way to become a valued resource to your customers. When people use your ideas, they will buy what you sell.
12. BE GENEROUS. No one wants to do business with firms operating on a one-way street. Buy a new car and the dealer hands you a 20-cent plastic key holder! It sends a message that this dealer doesn't under-stand his customers. You may forget the car, but you will never forget the lousy key ring! Another auto dealer delivers the new car to your office. What a difference. This dealer sends a powerful message--our customers are important.
13. MAKE PROSPECT IDENTIFICATION YOUR MISSION. The single most important daily activity in any business is prospect identification. By making prospecting a continuing process, companies produce a steady flow of new sales leads. They never
stop asking, "Who do we want to do business with if we have the chance?" Then make sure all prospects are entered into a database so they can be cultivated over a period of time.
14. SCRUTINIZE YOUR CORPORATE IDENTITY. Yes, how a company presents itself makes a difference. Is the logo appropriate? Is it dated? Does it communicate the right message and the correct image? Is the president the only one who understands it? What about the company colors? Are they reminiscent of the late '50s? Do the letterhead, mailing labels and business cards convey a strong, positive message? Or, are they dull and ordinary looking? If you don't think this is important, your competitors will be thrilled. Corporate identity is the face you put on your company.
15. WRITE CUSTOMER-CENTERED LETTERS. Most business letters have cold, impersonal words. "As per our conversation..."
"Pursuant to our agreement..." When was the last time you heard anyone talk this way at lunch (other than perhaps a lawyer)?
Yet, give the same executives a pen and they become stilted. There is no reason why business letters should not be warm, friendly, conversational, interesting--and customer-centered. Write as if you were the one reading it. Should a letter end at the bottom of the first page? Yes, if that's what it takes to tell the story? But it may take two, four or six pages. A letter should be as long as necessary and always interesting to the reader.

15 AMAZING WAYS TO SUPER CHARGE YOUR BUSINESS SUCCESS

6. MAKE YOUR OFFERS OUTSTANDING. Customers are cautious. They don't like being put on the spot; they don't want to make a mistake. This is why offers are essential. "Try it for 30 days...free." "We won't deposit your credit card slip for a month."
"Your satisfaction is guaranteed." "Take the car for the weekend and drive it all you want." The goal is to overcome the customer's reluctance.
7. BE IN THE RIGHT PLACE AT THE RIGHT TIME. "Why didn't I think of you last week when we bought the new..." Some salespeople simply shrug off such comments. "Oh, well. I can't be in the right place every time." Wrong. Being in front of the customer is today's assignment. Developing a consistent program for staying in front of customers regularly is the challenge. A mix of seminars, newsletters, bulletins, fact sheets, special events and informative articles will keep you in the customers' minds.
8. NAME YOUR PRODUCT OR SERVICE. One of the best ways to differentiate your products or services from all the rest is to give them distinctive names. A building contractor with expertise in remodeling during off-hours calls himself the "stealth" remodeled. A fuel oil dealer doesn't talk about service--he emphasizes "Comfort Care Service." The idea is to imbue ordinary ideas with new meaning thereby separating your company from your competitors. Make sure, however, that the name appeals to your customers and not just to you.
9. BE RELENTLESS. PERSISTENCE IS POWER IN MARKETING AND SALES. Far too many firms fail in their efforts because they don't follow through long enough to produce proper results. Marketing momentum comes from a consistent effort. Once you start a newsletter, issue it on schedule. It takes time for customers to comprehend what you are doing and for prospects to get acquainted--and comfortable--with a business.
10. GET RID OF THE SELF-SERVING NONSENSE. Most company publications, ads, letters, brochures, and other sales materials are filled with words; photographs and information that do nothing more than toot the company's horn. No one cares that the business says it is the "best," "oldest" or the "biggest." Pictures of the staff are only interesting to the staff. A better approach is to ask prospects what they want to know about your company. We doubt anyone will be anxious to see pictures of the CEO, chairman of the board or the executive vice president.

15 AMAZING WAYS TO SUPER CHARGE YOUR BUSINESS SUCCESS

We decided it would be fun to interview 10 of the smartest marketing gurus we know, including 7 multi-millionaires, about the best ways to increase customer and cash flow for just about any business.
What we got were a variety of fresh, innovative ideas -- and once you read them, you will know that they came from a group of folks who have already made it big in businesses of their own.
The following are the "15 Best" ideas for super charging your business, no matter what kind of business you are in.
1. "SAME-OLD" IS OUT -- Getting attention with something new is in. To get new business, you must strive to be innovative and dramatic. For example, an insurance agency, offered "the biggest steak dinner in town" if it couldn't save any person money on their car insurance. This challenge was enough to make the telephone start ringing off the hook for days at a time. The customer flow was "absolutely crazy" for days. The bottom line: dozens of new insurance buyers and tons of new cash flow -- and all they had to do was fork out the cost for a half dozen steak dinners!
2. TIGHT TARGET MARKETING. The big job in marketing and sales is getting to the right people inside another company. Addressing mail to "Facilities Manager" or printing a "routing slip" on the outside of the envelope is ineffective. Hitting the target is the challenge. Scoring a bull's eye means making contact with the right individuals and is the only way to make the sale. Taking time to be highly targeted in business communication is essential.
3. BE MORE CREATIVE. Pushing direct-mail pieces out the door or sending the newsletter to the mail room isn't doing the job.
Ask yourself: "Will anyone be intrigued enough to read the mailer--before tossing it in the wastebasket?" Ask the same question about the company newsletter. A highly creative approach is necessary to be different and distinctive. Creativity costs money. But, if more people read the ad, take time with the newsletter or decide that the offer in a mailer makes sense, you have accomplished the goal.
4. FOCUS ON WHAT CUSTOMERS CARE ABOUT. After listening to the admissions director talk about what should be shown in the school's new recruiting video, the marketing consultant asked, "Is this what parents and prospective students are interested in knowing?" Suddenly, everyone became less confident. Someone suggested asking the student tour guides what questions the visiting parents and kids asked? Whether creating an ad, a brochure, or a sales presentation, knowing what the customer wants needs and expects is what works.
5. TELL CUSTOMERS HOW TO THINK ABOUT YOUR COMPANY. We come to conclusions by making comparisons. If you don't let customers and prospects know why it is in their best interests to do business with you or buy your product, they won't. The rating of life insurance companies makes an impact on customers. The J.D. Powers' customer-satisfaction survey on cars and personal computer manufacturers influences buying behavior. Wise companies spend time and effort consciously influencing the way they are perceived by customers, prospects, bankers and stockholders.

If You Missed Last Week's Gold Rally, Don't Miss This

The recent rally in gold is most bullish for oil.

Gold is up over $100 in the past six trading days. It has been a great rally, but it happened so fast it left a lot of gold bugs in the dust. Folks who were waiting to buy on a pullback had a small opportunity to jump into the trade. But if they didn't act fast, the opportunity disappeared.

Back on January 6, I wrote, "2009 will be the year of precious metals." And I suggested buying gold if it dropped down anywhere near $800 per ounce. On January 15, gold traded as low as $801.50 and we had a shot at buying it.

The shiny yellow metal exploded $40 higher the next day. Anyone with a quick trigger finger was sitting on fast gains that grew larger over the next week.

But if you missed the chance to buy gold down near $800 per ounce, you probably shouldn't pull the trigger on it now at over $900. Gold is enormously volatile, and fast gains are often followed by quick pullbacks. So perhaps we'll have a better buying opportunity sometime in the next few weeks.

In the meantime, though, you need to buy oil.

A few weeks ago, I turned bullish on oil. The trade hasn't made much headway since then, but gold's recent rally pushed oil to its cheapest level in 10 years.

You see, gold and oil often trade together. They both rally at the same time and they both decline at the same time. Historically, it takes between 10 and 12 barrels of oil to buy one ounce of gold. Whenever the ratio expands outside that range, there's a trading opportunity.

For example, back in July, when oil was trading above $140 per barrel and gold was $925 an ounce, the ratio of gold to oil was under seven. In other words, it only took seven barrels of oil to buy an ounce of gold, so oil was expensive relative to gold. As I told Growth Stock Wire readers (here and here), that was a good time to take profits in oil or even set up short positions in the sector.

Today, we have the opposite condition. Oil is cheap relative to gold. Take a look...

This is a long-term chart of the ratio of the price of gold to oil. Currently, it takes 20 barrels of oil to buy one ounce of gold. That's nearly twice the historical average and it's the cheapest oil has been in 10 years.

How to Make a Lot of Money Trading Oil This Summer
Read This Before You Buy Gold

The last time the ratio was this high, back in 1999, oil quadrupled from $10 per barrel to over $40 in just one year. A similar move this time will generate big gains for anyone willing to buck the trend and buy oil today.

So if you missed the shot at buying gold near $800 per ounce last week, then don't miss your shot at oil right now.

Best regards and good trading,

Jeff Clark

How to File your Income Tax Return Without Your W2

Why wait when you can file your income tax return without your W2 form? Follow these steps to get your money ASAP! If you are expecting a refund from the IRS read on to discover how you can file your income tax return without your W2.

Step1
Get Your Paycheck Stubs Get Your Paycheck Stubs The first thing you will need to do in order to file your income tax return without your W2 is gather your final paycheck stubs for the previous year. Your last paycheck will contain the vast majority of the information that is reflected on your form W-2.

Step2
Find that Federal Tax ID Number! Find that Federal Tax ID Number! The next thing that you will have to do is obtain your company's federal tax ID number or employer information number (EIN). If you have worked for this same company for several years you should be able to get the tax ID number from last year's W2. If this is a new job for you then you will have to go through a couple of extra steps.

The easiest way to get this number is to ask your employer for it. If your employer won't play along, and some absolutely will NOT, then you will have to look it up.

Step3
Use Your Brain Power & Outsmart Your Selfish Employer! Use Your Brain Power & Outsmart Your Selfish Employer! For some reason some companies are not willing to release their federal tax ID number. I really do not know why because they have to provide it on the W2. So, it's not as if this number is some huge secret! Sorry, I had to vent there, anyway -- the first thing you will have to do is to point your browser to feinnsearch.com. *All clickable links are listed in the "RESOURCES" section below.

Step4
Jump Through the Hoop! Jump Through the Hoop! Just as the URL suggests, feinsearch.com will allow you to complete a federal employer tax ID search. There is a catch though, you will have to register, and then only your first five searches are free. This should be no problem unless you have had more than five jobs in the last year. In that case, you will need to use a different EIN look up service -- I have listed a couple of choices in the "RESOURCES" section - they both work relatively the same way.

Step5
File Your Taxes & Get Your Money! File Your Taxes & Get Your Money! Once you have registered and followed their instructions to get your Federal Tax ID number, you will be all set to begin to file your income tax return without your W2. Head over to H&R Block.com and proces your tax return ("RESOURCES"). If you are eligible to file for free BE SURE TO DO JUST THAT!

Good Luck!

How to Keep Your New Year's Resolutions

It’s a stark irony of the Western calendar that the odometer turns over smack dab in the middle of winter—the one time of the year when most people can’t rouse themselves to clean their bathrooms, much less make an ambitious, life-changing, behavioral U-turn. If you’re the type who likes to ring in the New Year with an engraved list of resolutions, read on for hints about how best to keep them.

Step1
Aim low. It goes without saying that most New Year’s resolutions are easier announced (or written) than done—but if you set the bar too high, you’re doomed from the start. Instead of a sweeping declaration like “I will lose 30 pounds by April and finally fit into that dress,” target a goal that’s more attainable, like losing 10 or 15 pounds.
Step2
Don’t overload yourself. It’s difficult enough for the average person to follow through on one ambitious New Year’s resolution; why on earth would you saddle yourself with three or four? Choose the most pressing issue at hand—losing weight, finding a girlfriend, improving your relationship with your parents—and concentrate on that. Trying to do everything simultaneously practically guarantees failure across the board.
Step3
Tell everyone you know. One school of thought says that New Year’s resolutions are best kept to oneself, but look at it this way: the more people to whom you announce your resolution (say, to get out of your dead-end job by spring), the more people there’ll be to prod you along if you fall behind. There’s no shame in seeking help if you can’t accomplish your resolution on your own.
Step4
Reward yourself. Following through on a New Year’s resolution is rarely easy, so a little Pavlovian conditioning goes a long way. If you’ve resolved to shop less, stroke yourself for not buying those shoes by springing for a steaming hot cappucino at the mall. If you’ve resolved to be nicer to people, buy yourself a nice jacket after enduring that tedious cocktail party without delivering any insults.
Step5
Wait until spring. Sometimes the best way to accomplish a New Year’s resolution is to make it at a time of year of your choosing, rather than the one dictated by the calendar. May 1 is a good alternate date, since the change of season will neatly coincide with the change you’re hoping to accomplish in yourself.

How to Lose Weight and Keep Your New Year's Resolution

The most common New Year's resolution that people make is to lose weight. Sales of diet and weight loss books skyrocket on January 1. This article offers some steps that will help you keep your New Year's resolution to lose weight, instead of abandoning it on or before Valentine's;

Step1
The first step actually comes before New Year's Day. Do not "pig out" in the days or weeks leading up to New Year's Day, in anticipation of starting a strict diet. That will just lead to huge weight gain, which will only result in additional weight that needs to be lost. Don't prepare yourself for a new diet in the same way that you might prepare yourself if you were about to go off to war or prison.
Step2
Set a realistic goal. If you stick to any new diet, you will likely lose 5-10 pounds of water weight in the first two weeks. While this shows that you are on the right track, it is not fat loss, and you will certainly not continue to lose weight at that rate. Focus more on what your weekly weight loss goal should be after that water weight comes off. The prevailing suggestion among experts is to lose 1% of your body weight each week. That means that a 200-pound person should aim for two pounds of weight loss per week.
Step3
Pick a realistic diet and exercise program. Are you really going to be able to keep up a diet of lettuce leaves and rice cakes? Will you really go for a 5-mile jog each day in the snow? Be realistic. Just eat healthier foods, and eat smaller portions. Also exercise each day, even if it's just marching in place in front of the TV. If you create a calorie deficit each day, you will lose weight. It is just that simple. The greater the deficit, the more weight you will lose.
Step4
Do not give up! If you "mess up," just get right back on track immediately. Don't say, "Oh, I ruined my diet for this week. I'll pig out this weekend, and pick it up again on Monday." That is silly. Get back on track immediately. Each moment is the first moment of the rest of our lives.
Step5
Valentine's Day comes about six weeks after New Year's Day. Even though tons of chocolates may be available in your home or at your office, do not let this ruin your progress. Many people use Valentine's Day as the official end of their diet. If you think that your lover will give you sweets, ask him or her not to. If you are lonely or hurt on Valentine's Day, do not harm yourself by indulging in sweets. Do the opposite by taking care of yourself, and showing the world that they can just shove it.
Step6
Just keep at it and you will lose weight. Start right now, regardless of what day of the year you happen to be reading this article. You can do it. I was overweight for 35 years, and now I'm not because I finally decided to do these simple steps. If I can do it, you can too!

How to Make Money in a Down Market

Just because the stock market is down--doesn't mean you can't make money in it. There are possibilities. In this article we will explore some.
INSTRUCTIONS:
Step 1
One of the best things you can do when the chips are down in the market is to start writing covered calls to generate yourself some cash income. It won't allow you to totally recoup your losses, but it will give you some padding in your portfolio. When you write a covered call, you give the call buyer the right to purchase the stock that you already own at a preset price, known as the call price--a price that is always above the current market price.
Step2
The call buyer pays you a premium for the right to buy the stock at the call price. The call buyer does this because he or she thinks that the price of the stock will rise, whereas you will always choose a price that you think the stock will not reach before the option expires. But even conservative covered call writing can generate you hundreds or even thousands of dollars in premiums each year.
Step3
Remember, the farther away from the market price you are, the lower your risk--and the premium that you will be paid. The downside is that if your stock rises to the strike price--then you will be called out--and will have to sell the stock to the call buyer at that strike price--even if the market price has gone much higher.
Step4
Also keep in mind that you can only write covered calls on round lots of stock that you already own. But if the price of the stock begins to approach your strike price--you can close out your position and rewrite your calls at a higher strike price.

How to Make a Presidential Inauguration Obama T-Shirt

Make your own T-shirt Make your own T-shirt

I Did This Rate: (5 Ratings)

In celebration of the Inauguration of President-elect Barack Obama, you can create your own T-shirt for the historical event. Making this shirt not only can be a family event, you can have a piece of history for your kids, right in the closet hanging on a hanger! Here's how!

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Instructions
Difficulty: Easy
Things You’ll Need:

* Iron on transfer paper
* computer
* iron
* 1 T-shirt for each person fit to size
* color printer

Step1
First you need a picture of Presidential Elect Barack Obama. I definitely suggest online where you will see plenty of free images just for the asking. Surf over to google and type in: Obama+Images to make a selection from there.
Step2
Once you have your image, put it in a word document and size to fit as big or as little as you like. This should be the size of an entire sheet of transfer paper (8.5 x 11). Print out on your paper through the color printer
Step3
Now you need your wording. On another document, you need to have some words to fit your shirt appropriately. Most of the basics include "44th President", "Yes, we can!" and other fun phrases. Be creative and make these words bold and large.
Step4
Take the T-shirt out and place on the ironing board. Cut out the pieces of the wording and photos and place around the shirt until it looks perfect!
Step5
Following the transfer paper directions to iron on the transfers to the shirt. This is very important as each paper is slightly different.
Step6
Once the paper is ironed, wait the allotted time and rip off the back paper to see your shirt. This is a great project for the kids and you have just saved yourself $25 dollars instead of buying this souvenir at the store!

Find Good Sources For Inspiration

Good marketing changes and updated on a regular basis. You aren't likely to go long before you start to need to designs for your advertising or new types of advertising altogether.
What a company is going to encounter most is the need to update existing marketing material. Certain formats for advertising just work best with certain companies. If full color brochures have been giving you the ability you need to explain in detail about your product or services, than just abandoning brochure printing for a different form of marketing altogether isn't really an option.
That means you instead need to be able to focus on improving your existing brochures. You have to give people new images, new layouts, and new ways to make your brochure look unique and interesting again

DETACH TO ATTACH

Glorious day unto you in the precious Name of our LORD JESUS CHRIST.

This is the food for thought today- DETACH TO ATTACH. You know for sure if you need electricity flow in your house, office or anywhere you must connect through the sockets then to the main. Today you are in a place, a position and passing through some things which you are aspiring for a better. Study the situation very well; get detached from ALL distractions, deviations and disturbances of the past be attached to the current so as to get FULL light of now.

Let me move a little step further, if you are a student and you need to go to the next class (Senior Class) get detached from the midst of the juniors. If you want to be a prudent politician of a notable reference and remarkable affluence, get detached from the midst of mediocre, if you to succeed in business or any Endeavour then get detached from the group of failure. To have and enjoy the true light of the maximum be detached from all steps of darkness and be attached to the true light which is from God.

Remain Blessed through this year
RSSMountain

Make Money Working From The Comfort Of Your Own Home!

How many times have you heard that phrase, pitch, advertisement, or whatever? Lots, I'm sure. It is used so much because
marketers know that staying home and making money is the fondest dream of millions of people.
And why not? Did you know that the majority of fatal heart attacks happen at 9 a.m. Monday morning? It's true. It seems a
lot of people would rather die than get back to the old grind after a weekend of freedom.
So when someone offers an opportunity or plan for you to take your job and shove it, yet still make enough money to live and
pay all your bills, it sounds blissfully irresistible.
Of course, bliss and reality are always two different things. Is it really possible to run a business from your own home that is
more than a hobby or source of part-time income? Can you get rich working out of your own home? Can you really trade
your cubical and necktie for blue jeans and the comfort of your own den?
Well, for your information, home-based businesses are one of the fastest growing kinds of enterprises in America today. As
this is being written, some 40 million Americans are doing at least some form of work out of their homes, and the numbers
are rising rapidly. According to the U.S. Department of Labor, as many as 70 million people will be working out of their
homes by the year 2005. Government studies have indicated that as much as 75% of all work done in this country could
eventually be moved home.
The overwhelming majority of home workers, however, are not exactly getting rich. The average work-at-home American
earns less than $15,000 per year. That may not be bad as a supplement to a spouse's full-time income, but let's face it, fifteen
grand in and of itself is not much better than poverty.
As master marketer and author Dr. Jeffrey Lant said: "Frankly, I never saw any benefit to staying home and being poor."
Lant, without so much as a business card, became a work-at-home millionaire, and is a perfect example of what truly can be
achieved if you are serious about chucking your day job, staying home, and not settling for peanuts in exchange for your
freedom. You can have it all -- you can stay home and make as much -- and more -- money than your current job provides
you.
In this report, we are going to outline and discuss five key rules on how to work at home and make big bucks, no matter
where you live. After these five rules, we'll talk about the most important aspect of any business, whether it be home-based or
a giant factory -- cash flow. Starting your own business out of your home is all about attitude and inspiration, but all the
attitude in the world won't help you without money!
1. It Takes Commitment
Is it any secret in America that most people detest their jobs? Study after study proves that most people simply dread going to
work Monday morning, and they live for the freedom of the weekend. But even that freedom is not pure because we know
that it is only temporary. It's hard to enjoy a Sunday evening when the Monday morning alarm clock is just a few hours away.
It makes sense that people hate their jobs. Everyday, there is a lot of butt kissing that needs to be done. There are endless
meetings which usually accomplish nothing. There are pointless interruptions, a lot of drifting this way and that, and lot of
idiot supervisors who do nothing but waste your time and then dog you for not accomplishing your share of work. There are
co-workers you hate, and who would stab you in the back in a minute if it meant a raise for them instead of you.
When you work for someone else, you live a regimented life. Your body may not want to get up at 7 a.m., but you have to be
at work by 8 a.m. so you lurch out of bed with a head full of sleep.
People who choose to work at home are doing more than just escaping the yoke of their master; they have made a deep, firm,
life-altering decision which says that health, happiness and prosperity depend vitally on the freedom to work for ourselves,
and in doing so in the comfort of the home.
We want to really emphasize that fact that to be successful in a work-at-home situation, you have to be nothing less than a
fanatic; a zealot, who is utterly committed to making work-at-home not only a successful venture, but a profound commitment for life. You must be convinced that a return to an outside office job would be the equivalent of a spiritual death
sentence.
Many people hate their office jobs, but they have made an inner compromise with themselves. They have convinced
themselves that their job is "not so bad," pays the bills, and that they can stick out because they have to.
If you want to be truly successful at quitting your day job, there cannot be any room for such compromises in your soul. You
have to take the attitude that to work any longer at your hateful job is akin to fouling your inner being with a spiritual cancer
the will sicken and kill you.
2. Eliminating the Home-Office Mentality
To move our work home, however, does not mean we eliminate every single thing about the traditional American office.
Rather, we should select what is useful and what is not.
It's a mistake to quit your job and go home with a "home-office" mentality. By this we mean thinking small, and believing
that you will automatically sacrifice a decent income in exchange for your freedom. Please! Do not think small!
To quote Jeffrey Lant again: "Too many home-based practitioners fail to understand the benefits that accrue because of the
professional style they have selected. They focus on the "home" part of the business rather than the "business" portion, and as
a result are doomed to small incomes." Working at home provides many benefits. We can save a lot of time because we don't
need to commute and we have more control over our schedule. We can save a lot of costs because we don't have the overhead
requirements of larger businesses. We can cut our stress -- and so have more energy -- because we avoid many of the
characteristic problems of life in the late 20th-Century office. We must work these advantages to our profit.
3. Your International Headquarters
The German philosopher Immanuel Kant said that if you sit at home alone at your empty kitchen table, eventually, the
"whole world will come to you."
Well, today you don't need the great mind of a philosopher to make the entire world come into your living room. What you
need is a phone jack.
We live in a unique time in history. Satellites, fiber optics, the integrated circuit and other communications miracles means
that you can be just about anywhere in the developed world and establish communication with anyone.
The telephone, the fax machine, the computer, the modem -- all of these are not only affordable by any middle-class citizen;
they are the key to eliminating your need to drive a hectic freeway everyday to get to a place of business outside your home.
With these devices at our disposal, we should allow ourselves to "think globally." Too often, home-based businesses focus on
the narrowest market, the neighborhood, the county, the city or state. This is fine if you are providing a local service and are
content with a certain moderate level of income. But if you want the big bucks, you should not think small. Also, you should
not believe that, just because you are home-based, you cannot compete with the big guys.
The purpose of any business is to seek assess and seek out every possible market for its products and services, to ascertain
whether these markets have the ability to buy these products/services, to determine whether there is sufficient profit in these
markets to warrant approaching them, and, once positive assessment has been made, to launch a sustained marketing
campaign that gets a significant percentage of this market to purchase the product or service in question.
Your home telecommunications machines will not only enable you to do this, but they can also help you overwhelm larger,
more cumbersome traditional businesses that are your competition.
As a home-based entrepreneur, you will not have all of the disadvantages of your more traditional competitors: no office rent,
equipment or expense; no employees to pay salaries and fringe benefits for; no time wasted on meetings, employee problems,
paid sick leave, etc.
All the money your competitors spend on heating the office and buying furniture could better be spent on the actual marketing itself.
As a home-based business, you will be already positioned where the traditional business is currently struggling to move:
toward the lowest possible overhead and the greatest possible concentration of dollars on products/service development and
product/service marketing.
So, a home-based business takes full advantage of three major goals of modern business success:
(1) Vastly reduced overhead (2) Easy access to a global market (3) Full advantage of telecommunications.
To not have the basic telecommunications toys -- computer, modem, fax, and telephones is impossibly stupid. Still, even in
this day and age, many of people strongly resist the one element that is undoubtedly the heart and brain of any successful
home business -- the computer. The computer is so important in fact, we have made it a category all itself.
And remember, learning to use a modern computer is easier than learning to drive a car, so you have no excuse not to plunge
forward.
4. The Computer
You should pay close attention to what computers can do for you in your plans to escape your job and make your work-at-
home dreams come true.
People who want to run a home business usually have a very small staff -- in fact, a staff of one -- yourself! The rest of your
needs are handled by independent contractors, depending on the kind of business you are in and the services you need.
To run a serious, truly global home business, a computer is as necessary as oxygen is to life on earth. Those who try to fool
themselves into thinking they will ever make a serious go of their home-based business without a computer are sadly
mistaken.
Computers give you two primary advantages:
(1) They enable you to store large amounts of data and to sort by data field so that you can easily get the information you
need.
(2) They enable you to develop a pattern document for every situation you'll ever be in in your business. To run a home-
based business successfully, you must anticipate just what situation will emerge and prepare accordingly.
A business is based on a characteristic series of situations and a characteristic set of things that happen -- or that do not
happen. You must be prepared with the proper document for each situation. Once you have established all the protocols, and
have experienced all the situations associated with your kind of business, the time will come when running your business is,
in large part, a repetition of certain key tasks. Computers are all about handling repetition swiftly and efficiently.
But the computer is much more. Today, by connecting a computer to the phone line with a modem, your machine becomes
more than a data storage system and repetitive task handler. It becomes a multi-task, multi-level communications processing
center that connects you to the globe.
Such things as e-mail, on-line services, the Internet, the Web and more can't help but revolutionize the way business is done.
If you do not become a part of it today, you certainly are going to suffer for it greatly in the near future.
If there is an effective way to market products on the Internet or any other on-line venue, no one has truly discovered it yet.
The only people making money on Internet marketing are the people who are selling the concept of doing it. If you have a
product or a service and expect to reach millions of buyers through computer screens, you are sadly mistaken.
The Internet is definitely where a lot of innovative things are happening. It's a great place to exchange ideas, find out what
hot, what's not, and stay on the cutting edge whatever your particular business isYour Business Hours
If you've been paying attention to the first four points, you're well on your way to becoming a successful home-based
business owner. Now we don't want you to blow it by thinking you can keep banker's hours.
The global market is a 24-hour per day market, and a 365-day per year market. Let the others sleep late on Saturdays and take
Sundays off. Those times could be your day to move and corner loads of customers that the others miss.
You should get up earlier and quit work later. You should be open for business on holidays and be available 24-hours a day
either personally or through your answering service.
"But wait a minute!" you might be thinking at this point! "I thought that working at home was all about freedom and an end
to drudgery. This sounds like nothing but endless work!"
Well, here's the thing. For most of you who quit your regular jobs to go to work for yourself, you'll discover something
magical. You'll discover that when you are working for yourself, when you are building your own business, a lot of what you
does not seem like work at all.
The great writer Jane Roberts said, "Inspiration is its own motivator."
Running your own business is all about being inspired 24-hours-a-day. When you stop selling your body and soul to some
company or corporation and start giving your energy to yourself, work has a way of turning into inspiration and play.
The perfect work for you is that which you don't think of as work, yet doing it makes money and provides you with the bread
and shelter of life. You'll see what it's like if you make a true commitment to being self employed, put all your energy into it,
and stick with it for the long run.
*
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Earn Big Money In A Business Anyone Can Operate

Here is business anyone can operate, making excellent profits. This is NOT a little-known business and is one you are
probably already aware exists. The business I am writing about is NAME LISTS.
One New York firm boasts profits of over $100,000 a year selling names to direct mail houses. YOU CAN DO IT TOO. I
don't guarantee you will make $100,000 a year selling names, but you can easily make $100 each and every week if you
follow these simple instructions.
1) Run the following advertisement over your name: RECEIVE HUNDREDS OF BIG MAILS FREE. GET LISTED FOR
10¢. (YOUR NAME AND ADDRESS).
When names begin coming in, type them on name and address labels which you can get at a stationery store.
2) Sell your lists for about $4.00 per 100 names and $30 per thousand (many charge $40 per thousand).
3) Make a list of the major mail order houses which advertise in the Mechanics and Women's magazines and send a printed
post card to each of them explaining your offer to sell mail-order names to them typed on gummed labels.
4) The original remittance of 10¢ you received from the individuals who requested to be listed with you will pay for your
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