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December 4, 2009

Jim Roche NJ Feed

Kids Cowboy Boots

.Provide Your Information : Masters of Marketing The Future and Power of Email

Jim Roche NJ
908-413-5363
http://kids-cowboy-boots.com

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My Kids Cowboy Boots | Stretching to Fit | Jim Roche NJ | Submitted by Jim Roche

The purpose of stretching kids cowboy boots or any pair of boots for that matter is to improve on the fit of the boot in order to be more comfortable. There is nothing more comfortable than an old pair of cowboy boots, once broken in, they are as comfortable as a second skin, like they were custom-made for your feet. The reward, makes it all worth the effort.

The steps below are how I stretch my kids cowboy boots, they are relatively easy and require minimal effort and you can do these yourself at home on the cheap.

My boys cowboy boots are considered essential accessories around here and we do our best to properly care for them as well as preserve their quality. Buying a new pair of boots and stretching them to fit from the get go is my job, all that requires to make my boys cowboy boots fit them is just a litlle time and it's cheaper than taking them to a shoe shop to get them stretched.

Before stretching my kids cowboy boots, I make sure to clean the inside and outside with a clean damp cloth. This will free the pair of boots from the lines and scuff marks, I find that using warm water for cleaning is best.

I put a small amount of saddle soap on my cloth, I start on the inside of my boys boots paying special attention to the toe area and other areas they tell me are tight. I apply more saddle soap to the outside of the boot, I repeat this process till my kids cowboy boots take on a warm sheen and feel supple, almost damp to the touch.

When my kids cowboy boots have soaked up the the saddle soap, I get them to put on an old pair of socks and wear the boots for about an hour, this makes the leather warm. After removing the boots, I then stuff them with damp newspaper, being sure to fill the whole area as tightly as I can, making sure that the shape of the boot is still maintained. I leave the boots alone for a day then I'll repeat the process a couple more times if needed depending on how much they need to be stretched and there you have it. My kids cowboy boots fit them like a glove.

There are a lot of suggestions on the Internet for how to stretch leather cowboy boots. While most of them will work, many of them will damage the leather. I've know some people suggest that standing on water while wearing boots is a good idea. In fact this is not a good idea because water ruins the quality of the leather. Foot molds are available in shoe stores which may be used from time to time. Oil is also a good component for making leather stretch. All you have to do is rub a small amount into your kids cowboy boots.

Thanks for reading, here is your Bonus Gift
http://www.12scstar.com/KidsCowboyBoots.html

Jim Roche NJ
908-413-5363
kidscowboyboots@gmail.com

My Site
http://kids-cowboy-boots.com

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When to Buy |Kids Cowboy Boots?| Right Now

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Angie Mitchell Found a Residual Income Gold Mine | Savings Highway

I believe if you have enough desire and are persistent, you can achieve just about anything. The same is true for an internet business and generating a stream of residual income. We all know why we want residual income - so we can travel, spend time with our families and generally do the things we want.

Starting your own internet business is one of those things where your initial investment of time will not be rewarded very well at all, but as you keep at it, you WILL eventually be paid for every minute of the time you put in, and paid very well.

A lot of people have the delusion belief that things have already peaked with the internet, but this couldn't be any further from the truth. In fact... things are just beginning. As the economic growth continues, more and more people are discovering the internet for the first time. All these people that were never part of the .com boom now want in. That being said, it's a very good time to get your piece of the pie.

Networking marketing has become one of the most popular ways of earning residual income. However, due to constant management and business planning issues, this form of marketing is also considered as one of the riskiest techniques. Pick ONLY reputable companies that offer quality training and that show proven growth.

There are knowledgeable people with years of experience willing to show you the way and lead by example. They can show you how to earn a residual income. Heed those who tell you "You'll make thousands in no time!" because it's going to take a little while when you first get started but you will be rewarded for your efforts down the road.

You get there by making a promise to yourself - commit to a certain amount of time every day. If you can only spare 30 minutes, turn off the TV and go do it. You'll be very glad you did.

Great things start with small actions and by being persistent. Ask yourself this; is a chance at earning a residual income worth 30 minutes per day of your time? It all depends on how fast you want to get there.

When I picked my Business Opportunity, I did my research, I gathered information and made a decision to join Savings Highway 2 months later. It's extremely important to believe in what you are promoting because people are pretty good at sniffing out the "fakers." Residual income is what you want. Unfortunately, there are many opportunities available that really do an injustice to this concept. So, master the concept of residual income and you'll master your destiny!

We've all heard the story of the gold miner who toiled fruitlessly for a long time before deciding to give up and move on. He makes the decision one day that enough is enough and packs up, selling his claim to a new miner. The new person starts digging and finds the trail of gold almost immediately.

He then gets to spend the rest of his life thinking about "what if..."

The good news is there is still gold to be found and its on the internet.

Dig for gold Here and don't give up!

Angie Mitchell
angie@thesavingshighwayclub.com
(604-883-2218)

My Blog

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URL Rotators | 12 Second Commute | Jim Roche NJ- Submitted by Jim Roche NJ

What Is... A URL Rotator?

And how does it work?

A URL rotator (sometimes known as page or link rotators) is a system where the same link or URL sends the visitor to different website addresses either in some rotation pattern or randomly. The service offered by URL rotators has several potential uses, particularly for those who are engaged in the work of marketing their services or products. In simple terms, a URL rotator is in charge of displaying a different web page whenever a person happens to click on your link. The URL rotator either randomly selects another URL or points to the next URL (meaning visitor A will see 1, 2, 3, 1, 2 etc as will visitor B) or the next in sequence across all visitors (meaning visitor A might see 1 then B sees 2 then A reloads and sees 3 and so on).. You submit this list of URLs to the company or person offering the rotator when you become a member of their site. The most common is that any visitor advances the sequence as the person using the rotator doesn't generally care who sees the individual sites in the sequence as long as they are all displayed equally This might be done so that one URL promotes different websites, e.g. where a group of people do a group 'co-op' advertising and they want to ensure the traffic is divided fairly and automatically.

What's the point?

In truth most people would have no legitimate use for a URL Rotator.

However, in the context of advertising, a rotator can be an extremely useful tool. Here are a few examples...

1 Single user promoting multiple sites

In this scenario, a user has a source or multiple sources of traffic that they point to their rotator. They can then customize very easily where that traffic goes. This is especially useful if they have multiple sources of traffic because they only have to change the sequence in the rotator and all the traffic from all the sources will be diverted accordingly.

2 Easily switch to promoting different sites

This is similar to the previous examples but the user again might have many traffic sources. By poining all those sources to one rotator, it's then very easy to switch from promoting site A to promoting site B.

E.g. An affiliate might abandon product A because a new product B is better with higher commissions and the marketer can instantly switch all the traffic to the new product.

Also, if product A disappears for some reason, it's much easier to just change the rotator to a new site then to have to go to all the different traffic sources changing their destination url.

3 An advertising co-op (Team Advertising)

An individual can set up an advertising co-op where members of his/her downline are invited to buy shares in an advertising pool. The organizer purchases traffic or advertising and points the traffic at the rotator. The rotator then displays the next website in sequence, ensuring that all the members of the co-op get their fair share of the traffic. It even lets people buy multiple shares in which case they have their URL in more than once and equal to the number of shares they bought.

It can also be used to divert different ratios of the traffic to different sites, e.g. 75% to site A and 25% to site B (include site A 3 times in the rotator setup and site B once).

The One that I Use

I have used many URL Rotators but the one I recommend most highly is the 12 Second Commute URL Rotator. That's largely because Darryl Graham and the trainers at the 12 Second Commute are knowledgable and committed to you success in your online marketing efforts. To learn How to set up and Manage you URL Rotators Visit the Video Training Site Here

For More Information or To Become a Member of the 12 Second Commute

Contact
Jim Roche NJ
908-415-5363
http://www.12secondcommute.com/rep/JimRocheNJ.html
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12 Second Commute Users Have Big Tools | Angie Mitchell

The Entrepreneurs who use and provide online marketing tools and services to the mammoth amount of people looking to make money online are the ones making the most money!

12 Second Commute gives you the opportunity to become one of these successful entrepreneurs!

If you've been looking for a way to make money online that is NOT going to break the bank and give you the ability to honestly and realistically make money, then this is your opportunity. There are over 100 million people looking to make money online. Every one of those 100 million people need the online marketing tools and 12 Second Commute is going to supply this if they are going to succeed, with whatever program, product or service is being sold.

I have and you can also get your piece of the Internet opportunity that will always be in demand and always be affordable.

What Exactly is 12 Second Commute?

12 Second Commute is a service that includes access to all the tools and services you need to succeed online. That's it....everything needed to run an online business - ALL IN ONE PLACE!

Who Owns 12 Second Commute?

12 Second Commute is owned and operated by ISORegister, Inc. Darryl Graham is the owner and has been successful online since 1999. All the tools included in your 12 Second Commute account have been developed to be top notch and professional-grade, yet extremely easy to use.

Darryl utilizes his time helping others learn to use the Internet to create positive income streams the correct way without all the useless hype that pervades the Internet.

When you get 12 Second Commute, you can contact Darryl personally because unlike other online businesses, Darryl makes himself available to his clients and does not hide behind an email address.

How Much Does It Cost?

You can get started for FREE as we want you to see the power of the system and test the marketing tools, then when you see the power of this system, you can easily upgrade in your members area and the cost ranges from $9.95/mth - $39.95/mth. No, that is not a typo!

You will remain a free member for a full 30 days, this should give you time to review the 12 Second Commute system and make an informed decision on how the service will benefit you.

I highly doubt it BUT in the unlikely event you decide that 12 Second Commute is not for you, you simply cancel your account. Or you do nothing and your account will be automatically deleted for you. Either way, you will NOT receive any emails asking you to come back or trying to sell you anything, and you will be permanently removed from the database forever.

Check Out My Tool Box

Angie Mitchell
(604-883-2218)
angie@fast12secondcommute.com

My Blog

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Retirement Planning | Who Packed your Parachute? | Jim Roche NJ Submitted by Jim Roche NJ

Retirement Social Security is a lot like a parachute-when you jump out of an airplane you know it is there you just hope it opens to guide you safely to the ground. The same can be said about Social Security Retirement Planning- you know you have done it you just hope you have done it well enough to guide you to financial safety after you retire from your 9-5. Yet most people may not know much more about it than that.

Social Security facts to take into account when planning retirement:

Social Security Retirement Benefits do not automatically start coming in the mail the first day you retire. They must be applied for. The easiest way is to set up an appointment with the local Social Security office or call (800) 772-1213.

To get an official statement of all the earnings recorded in your Social Security account, an estimate of your current disability and death benefits, and an estimate of future retirement benefits, fill out a Form 7004 Request for Social Security Statement, obtainable at your local office.

If you do not find and correct errors in your Social Security record within three years, they become part of your permanent record. So, you might start planning to check on them every three years or so.

If you are planning to work in retirement, you can, but if you earn too much it will reduce the size of the benefits you are receiving from age 62 up to your normal retirement age. The limits on such earnings are currently $14,160 for 2009. Retirement Benefits are reduced by $1 for every $2 that you earn over this amount. Though, the amount of Social Security one �forfeits� because of �excess earnings� does get re-paid to you upon reaching full retirement age via an increase in your monthly payment. After you attain your normal retirement age, you may work as much as you want with no reduction in benefits, although they may become taxable if you earn too much.

You can increase the size of your retirement benefit by delaying collecting your benefits and by remaining on the job past full retirement age. This higher benefit comes from extra earnings toward your account and a credit awarded for this patience, ranging from 3 percent to 8 percent of your benefit depending on your date of birth.

For people born after 1937, normal retirement age has increased. For example, if you were born in 1940, full retirement age is 65 and six months; born in 1950, it is 66. Anybody born in 1960 or later will be eligible at age 67.

Social Security Disability Benefits do not continue past normal retirement age. The month before you attain normal retirement age, the disability benefits are automatically converted to retirement benefits.

There is a limit to the amount of benefits that can be paid on each Social Security record called the maximum family benefit, generally around 150 to 180 percent of the worker�s benefit. If this limit is exceeded, the family benefits are reduced.

Ex-spouses, widows and divorced widows may all be eligible for benefits on a spouse�s record. Provided the requirements are met, they may even all be collecting on the same worker�s record.

There are two Social Security trust funds: one used to finance retirement and survivors benefits and the other used to finance the disability program. Money not used to pay current benefits, by law, is invested only in U.S. Government Treasury bonds.

Social Security is a significant resource for many retired individuals. Spend some time with your financial planner learning about what part these benefits should play in your retirement planning future.

Are you comfortable hoping that your Social Security Retirement Benefits parachute will open and be enough for you in your retirement years? Early Retirement Planning requires you to do your due diligence ahead of time. If you are planning retirement due to your age or just looking for an opportunity to retire early from your current employer. The Savings Highway has put together a program for you to be able to Retire Early with 21 discount programs included with membership. Jim Roche of NJ has created The Early Retirement Planning Forum for you to visit join and post all of your early retirement planning tips as well as provide information and resources for those wanting to retire early, or just what is necessary for you to know how retiring early can become a reality.

For More Information Contact

Jim Roche NJ
908-413-5363
http://retireearly.thesavingshighway.com/
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Bring Home the Residual Income Bacon | Angie Mitchell Submitted by Angie Mitchell

I�m not against earning some good, honest, �one-shot� linear income, but given a choice, which would you rather do: work hard and get paid only once, through linear income, or get paid continuously - perhaps for years or even the rest of your life - for hard work you perform only once, through residual income?

Linear income is directly proportional to the number of hours invested in it (40 hrs. of pay for 40 hrs. of work), but one of the great advantages of residual income is that once the ball starts rolling, you continue making money from your initial efforts, while gaining time to devote to other things� such as spending more time with your family or perhaps generating more streams of residual income!

There are many different businesses models to choose from. The key is to learn how to make money off of other people�s labor as well, rather than trying to do it all on your own. Likely it may not happen right off the bat but it will come with a little effort and dedication on your part. Note that leveraged income may or may not be residual income� when you combine them, that�s even better.

Now is the time to think about how to apply this in your business. How could you make money off the work of others? As for me, I chose to promote a recession proof Savings and Earnings Program that offers the opportunity to save money on daily purchases such as gas and groceries and in turn offer the same benefits to others. When people join the program I start making residual income.

The sooner you answer these questions, the sooner you�ll have financial and personal freedom.

Although taking care of your children is a job you gladly do for the joy of being with them, it doesn�t exactly pay the bills. But in order to stay afloat these days, most households need both parents to have a job. For stay at home moms and dads, exchanging time with their children for time in a cubicle is an unappealing trade.

Luckily the technology available today is making it possible for parents to work from home. Computers, combined with the power of the internet, have opened up a slew of opportunities to be able to bring home the residual income bacon while taking care of young children. Whether you are looking for part time work or need to replace lost income.

Ultimately, the best job for stay at home moms or dads is the job they design for themselves by owning their own home based business. As a home based business owner, you get to be in charge of your time and your income. If done right, your initial investment of hard work could even lead to years of residual income. Meaning you�d be able to take a trip to the Bahamas and still get paid.

For stay at home moms and dads, I have done the research and found the perfect opportunity that lets you make money and save money while giving you that freedom you want to spend time with your family. All it takes is a click to get started on the road towards achieving your dreams and start enjoying the �residual income bacon� we�d all love to have.

Residual Income Opportunity

Angie Mitchell
angie@thesavingshighwayclub.com
(604-883-2218)

My Blog

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Email Autoresponders (Part Two) | 12 Second Commute | Angie Mitchell Submitted by Angie Mitchell

If you are going to be successful with your online endeavours, it would be a very wise choice to have reliable, powerful and easy to use email autoresponders. 12 Second Commute will provide this tool and more complete with videos and conferences where you�ll be shown exactly how to build a quality and responsive list using the only email autoresponders and online marketing tools you will ever need in an easy to use all inclusive system.

12 Second Commute is an online tool and opportunity center unlike anything else on the Internet. Regardless of the product or service you are selling, you must have tools to succeed. This service has everything necessary to succeed in one place so you are not wasting your time and money bouncing all over the Internet to run your business.

Email autoresponders Special Features:

The special feature section of your email autoresponder contains services that you won't use often, but they are extremely valuable assets to your online success.

Profile Variable Setup: This is a huge time saver as it allows you to setup custom variable codes that can be inserted into any message so instead of typing the same thing over and over again in your AR messages, you setup the custom variable section of the site to do this for you.

There are instructions that tell you exactly how to use this feature on the Profile Variable Setup page. There are also training videos on the same.

Import email autoresponder messages and manage autoresponder export passwords: If you have or when you get a downline in any program, product or service, the Import autoresponder messages and autoresponder export passwords sections are going to be one of your best friends because it allows you to setup messages, customize those email messages and then as you bring people into your program, product or service, you can give them your customized email messages and the system will automatically customize the message for the new person and place the messages into their own email autoresponders.

The beauty about this is that they won't have to write letters as they will be copying your success, doing exactly what you do and since it is working for you, it will work for them and poof--your business is off and growing.

But more importantly, it is these effective online marketing tools which give you the freedom that makes the whole online marketing experience so envious to those without. These tools will free you from hours or even days of tedious work and will do most of the work for you. Professional marketers know an investment in high quality effective marketing tools will pay dividends again and again... they also know it is the only way to proceed. PERIOD.

You can review the entire 12 Second Commute system absolutely FREE for a full 30 days. There is NO credit card required to get your account and if you decide that 12SC is not for you, you simply cancel your account within 30 days or do nothing and it will delete for you after the 30th day.

Currently being offered is an Elite account for only $19.90/month--the regular price is $39/month, but this is for a limited time and only available during your first 10 days of your 30 day trial.

12 Second Commute 30 Day Trial

Angie Mitchell
angie@fast12secondcommute.com
(604-883-2218)

My Blog

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Email Autoresponders (Part One) | 12 Second Commute | Angie Mitchell Submitted by Angie Mitchell

You simply must have email autoresponders if you are going to succeed online, but you also need a reliable, powerful and easy to use autoresponder and that is just what you will get with 12 Second Commute. Please note that you cannot import any leads into the autoresponder as that will only produce spam. However those who succeed online don't waste their money buying useless leads anyway and with our online videos and conferences we will show you exactly how to build a quality and responsive list using the only email autoresponders you will ever need.

12 Second Commute is an online tool and opportunity center unlike anything else on the Internet. Regardless of the product or service you are selling, you must have tools, training and resources to succeed. 12 Second Commute will provide those tool, training and resources in an easy to use all inclusive system.

12 Second Commute includes all the following tools and resources in one easy to use account. We give you the convenience of having everything necessary to succeed in one place so you are not wasting your precious time and money bouncing all over the Internet to run your business.

Email Autoresponders
Ad and Link Tracker
URL Rotator
Capture Page Creator
Contact Manager
Downline Builder
Training Center for Newbies
Blog
Conference Center
Smart Page, Translation Area, and More

Today I'm going to focus stricktly on the email autoresponders.

This is where you will create new messages and edit current messages for any of your autoresponder lists. You can also add letter templates and edit letter templates.

New Autoresponder Message: After you have setup your mailing list, one of the next steps is to create your actual email autoresponders. Remember that messages are list specific so if you have 10 different mailing lists, you can have 10 different autoresponder message series, although you can use the same messages in all your lists if you're promoting the same thing and you just want to test different advertising.

When you click on the new autoresponder message link, you will come to a page where you can fill in your messages, choose one of the ready made templates, setup your message delivery options, add attachments to your messages and basically get your messages ready to go make you money.

View/Edit Autoresponder: Once you have setup your email autoresponder messages, there might be times you want to edit and update those messages and the View/Edit feature allows you to easily accomplish this task. You can edit any part of your autoresponder from this one simple interface.

Add Letter Template: While you have access to dozens of fresh and professional letter templates in your autoresponder setup section, we also realize you might want to create your own and if you do, you click on the Add Letter Template link and use the editor to create your own professional looking templates.

View/Edit Letter Templates: Just as you can edit everything in all other parts of the email autoresponders, you also get this ability with your own templates that you have created. The View/Edit letter template is the place to go for this and all edits are done in real time so you never miss an opportunity.

There is no risk. If and when you�re ready to upgrade, click on the Upgrade Options link next to the instructions link at the top of the page. Currently being offered is an Elite account for only $19.90/month--the regular price is $39/month, but this is for a limited time and only available during your first 10 days of your 30 day trial.

In my next article I will be sharing the email autoresponder special features.

12 Second Commute FREE Trial

Angie Mitchell
angie@fast12secondcommute.com
(604-883-2218)

My Blog

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Blastomatic Leads All Ad Submission Services

Sometimes, simplicity is genius... and you won't find a better example than Blastomatic. You can have your very own �ad submission machine� that will submit your ads faster than any other site on the internet and it's FREE of course you have the option of upgrading as well! If you do a Google search you will find that the cost of a genuine, high quality, ad submission service that offers to posts your ads to the millions of sites out there will run you about $350 but will provide you with a back seat service!

Veretekk operates from a standard of pure technical excellence and is the Crown Jewel that makes Blastomatic possible. When you sign up for your free account you can spread your link around the globe by utilizing all the top FFA ad submission services, classified ad services and ad boards. Blastomatic's ad posting is an effective and fast way to post your ad. Testing of headlines, traffic generation and a boost in link popularity, are 3 of the main benefits of posting your link. (I use it for the LEADS!)

Advertising online is becoming more difficult and with so many different places to advertise often people don�t know where to begin and this is where Blastomatic can come to your aid. This website or ad submission service allows you to design and blast advertisements to over 12 million websites across the Internet with just one click. Now that�s powerful!

Blastomatic provides step-by-step instructions on setting up your ads which you'll want to be written in a keyword specific way in order to obtain the best SEO results. You�ll be guided into completing your ad or if you choose save for later use. The marketing tool also handles email verification of your submission to a number of sites. Once that is completed it�s just a single click to complete your ad submission.

What's new, however, is that you have the ability to download 5000+ remote submission leads a day with this service as well. As a non-paying member the system will only allow you to do this once a month. But, if you upgrade your system for $14.95/month, you will have the ability to download these leads daily, for an average of over 150,000 leads per month, which translates to... less than $0.0001 per lead!

(I might add that you�ll want to set up an email account specifically for this because you�ll be getting A LOT of emails!)

People working online with any sort of business know that "leads are like gold." With Blastomatic you'll be able to obtain thousands of leads every day (great for building your downline) absolutely free for life. This ad submission service is extremely valuable and has far superior quality leads than other FFA lead systems like FFAnet, Links2u and others that sell for as much as $50 per month.

By clicking on the link below and filling out the form you can get started with your free ad submission service today.

Blastomatic Click Here

Jim Roche NJ

908-413-5363

Automated Marketing Leads | Blastomatic

http://wordpress.automatedmarketingleads.com

http://jimrochenj.blastomatic.com

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Earn Residual Income | Savings Highway | Angie Mitchell, Submitted by Angie Mitchell<P>

A lot of people out there are looking to learn how to "cash in" when it comes to earning a residual income.

Network marketing has exploded and it is not surprising to me at all. This industry is great and more importantly the Internet is helping boost its popularity. There are no special skills that can't be learned as-you-go and if you've never done something like this before you will learn alot. It's a process and who knows, it may become your passion like it has for me, my only regret is that I never started sooner.

The downside is that a lot of people fail because when they don't make a large amount of money right away they quit, trust me, this will take time and effort on your part if your goal is to earn a residual income.

If someone told you "it's easy, you will be making $5,000 or $10,000 in no time, RUN!" Often times people who don't see immediate success blame the companies, their upline, the product or service when they should be blaming themselves.

I chose Savings Highway as my vehicle to earning a residual income because it's a stable company with integrity that offers real value and savings to real people just like me. Sure, it hasn't happened overnight but I feel pretty darn good about promoting a program that the "average Joe" can really sink their teeth into and that's important!

Look, there is no easy way to earn a residual income with any program that you decide to get involved with. Sure, after you begin to promote it and get the hang of it, make some sales it may seem easy. But it does take some work to get to this point.

Most people who find a way to earn a residual income from their home with the internet is that once you find one program and become successful with it, then and only then should they look to find another. Some are so desperate to make money they end up dropping alot of cash trying with different programs and they end up spreading themselves too thin. You are better off in getting the skills and training to learn how to earn an income such as this and FOCUS, FOCUS, FOCUS ON ONLY ONE!!!

You can eventually have multiple streams of residual income that allow you to put in some hard work at the beginning and see dividends in the form of passive income for months or even years to come. It's not being lazy, it's being SMART!

My Earning Residual Income Opportunity

Angie Mitchell
angie@thesavingshighwayclub.com
Skype: angiebt79828
604-883-2218

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Earn Residual Income | Financial Freedom | Angie Mitchell | Angie Mitchell, Submitted by Angie Mitchell

Do you feel that your future is destined to bill payments and maxing out credit cards? Are you living from pay check to pay check struggling to get ahead? There is another path...you can have financial freedom and start earning residual income working from home.

Perhaps you�ve heard about what you can do to become financially free, but you don�t know how to go about achieving it. I like to give you my opinion on the subject. Financial freedom is not only possible, but very achievable by average people just like you and I, even in this volatile economy. All you have to have is the desire to make your dreams a reality. Often times we can be just plain lazy and keep putting things off till tomorrow and the problem with that is tomorrow never comes.

First of all, have you ever considered a legitimate online home based business? If not, why? This is in some cases, a low cost entrepreneurial business opportunity for you, where you can earn a residual income for years to come and make financial freedom attainable.

There are so many advantages to working from home� freedom, choice, flexibility (especially with childcare), the opportunity to do something you�ve always wanted to do, to live a more balanced life and of course, earn a residual income.

Being able to take advantage of the tax breaks is a real plus, you can deduct a part of your home�s operating and depreciation expenses as business expenses. This can be a percentage of your mortgage, property taxes, insurance, utilities, and/or the expenses of household maintenance. Are you starting to see the big picture? You could be SAVING thousands every year just for having a legitimate home based business.

Network marketing is an excellent business model to achieve financial freedom because you can create residual income. This just means you are going to get paid in the future for work you�re doing right now and an online home based business is perfect for that.

Now that you're starting to really consider this option, what kind of business are you looking to promote? The latest and greatest miracle juice, the best ever live till you�re a thousand health care products? (Trust me, I�ve done it and it�s a hard sell, especially in today's economy!) For me it was like trying to sell a steak to a vegetarian. There was no income coming in, never mind residual income!

I'd suggest joining a Program/Company that�s honest, cares about the "average Joe" and more importantly, one that going to offer others you'll be promoting to, some real value.

Think about this....What do most people want? People want to save money and people want to make money.

I'm very thankful for finding Savings Highway because it allows me to do just that. Save money, make money, offer others real value and make residual income on top of it. As I continue to build my organization, and promote my savings and earnings program, my residual income will keep growing becoming quite significant.

I can�t quite believe it sometimes...but we are getting paid to save money and help others save money! Who woulda thunk it? There is no catch, you can build your business as quickly or slowly as you like and be on your way to financial freedom and earning a residual income.

It is my mission to educate people and bring savings, success and financial freedom everywhere!

Savings Highway Website

Please feel free to contact me,

Angie Mitchell
angie@thesavingshighwayclub.com
Skype: angiebt79828
604-883-2218

(read more)

Planning Early Retirement | How to Retire Early | Retirement Forum, Submitted by Jim Roche NJ

Would you like to know how to retire early in today�s uncertian economy? Are you going to retire early or at least an age when you can still enjoy retirement or are you just hoping your job will stay around until you can retire? Then do this NOW�TAKE ACTION!

Todays uncertian economy, the volatile stock market and falling home assessments are affecting just about everyone, but people who would like to retire early or are about to retire may be in the most precarious of positions of all and are asking themselves, how is it possible to retire early in today�s economy? Are you looking for appropriate ways to respond? Then now is the time to start your early retirement planning so YOU are able to manage your personal finances and look forward to retirement years.

�Social Security replaces approximately 41% of the average earner�s income at retirement and some forecasts predict a fall to 30.5%.� * (Source: �Social Security, Medicare and Americans� Confidence in Their Retirement Future� Watson Wyatt Insider, September 2008.) I don�t know how anyone can be prepared for what we�ve been experiencing recently with our economy. The current retirement income system of defined contribution plans in which employees bear all the risk is dissapearing for the the average worker.

Seeing your portfolio or your 401K lose value over a prolonged period is never easy, but it can cause tremendous stress if you�re relying on your nest egg or will be relying on it shortly. If you�re still working, will you have to postpone early retirement? If you�re retired, will you have to reduce spending, cancel plans or look for a job? Most people haven�t been very good at building balances in 401K plans or savings accounts; they�re modest by any measure, most people are not experienced investors, (myself included) and their whole future well-being depends on the assets in these plans. When they�re hit by these huge fluctuations in the market, it must really put a knot in their stomachs.

Fear and concern are normal. The news is all around us, and it�s impossible to ignore. People entering into retirement are the ones who are most aware of their financial situation because all of a sudden it�s staring them right in the face. If you haven�t done a stellar job of early retirement planning, your options are fairly limited. You can work longer, live on less or work in retirement but you sure as heck don�t have to!

Let me ask you this, have you ever considered an an online mlm business? If not, how come? There are so many benefits to having a online mlm business and this just might be the answer to the question: How is it possible to retire early in today�s economy? Make financial freedom a possibility for you.

I started planning my early retirement this year when I joined The Savings Highway and began saving money on the necessities I was already purchasing (Gas and Groceries) thereby creating my own economy!

Successful People Are...Decisive Decision Makers!

Jim Roche of NJ has created The Early Retirement Planning Forum for you to visit join and post all of your early retirement planning tips as well as provide information and resources for those wanting to retire early, or just what is necessary for you to know how retiring early can become a reality.

For More Information Contact

Jim Roche NJ
908-413-5363
http://retireearly.thesavingshighway.com/
jimrochenj@gmail.com
(read more)

Planning Early Retirement | for Those Not Named Tiger Woods (Continued) Submitted by Jim Roche NJ

Five years out

Cut your risk. You'll still need to have your portfolio tilted toward stocks, but you may want to minimize your exposure. Now is also the time, if you haven't done so already, to lighten up on company stocks and stock options. Consult with a CPA or other tax pro before you sell so you understand the tax implications.

Find out what income you can expect. Retirement experts often refer to the "three-legged stool" of post-work income, which is typically made up of Social Security payments, pensions from employers and your own savings:

Review your annual Social Security benefit statement or contact Social Security at 800-772-1213 for an estimate of your anticipated monthly check.

Contact current and former employers to see if you have any pensions accrued and, if so, how much you can expect to receive.

Calculate your income from investments.

The latter can be a bit tricky. The longer your expected retirement, the lower your initial withdrawal rate should be. You might not be able to tap more than 3% to 4% of your investments in your first year without dramatically increasing the risk you'll run out of money. You can use T. Rowe Price's early retirement planning calculator to see what withdrawal rates are likely to be sustainable. Think about health-care and long-term care expenses. Medical costs are spiraling, and you may not have enough coverage:

Medicare, the government program that covers most health-care costs for seniors, doesn't kick in until age 65. (Even then, some significant expenses aren't covered, so you'll want to investigate private Medi-Gap polices; you'll find more information from AARP.)

The number of employers who extend health-care coverage to their retirees is rapidly diminishing, and many of those that do are increasing their former workers' premiums or co-pays. If your employer offers the coverage now, it may not in the future or it may cost more, so have a Plan B. (Fidelity estimates a couple who retires at age 65 with no employer-provided health insurance would need $175,000 to pay for their medical costs in retirement.)

Medicare doesn't cover most nursing-home expenses, which means you may want to consider buying long-term care insurance.

Create a tentative budget. Now that you have an idea of your expected lifestyle and income, you can start to put together a budget that reflects those elements. (You can use MSN Money's Early Retirement Planning Expense Calculator to get started.) You may well discover you'll need to work longer than you expected, or you could get some happy news and decide you want to accelerate your retirement plans. Before you do either, though:

Consider getting a second opinion. Should you apply for Social Security benefits early or opt for bigger payments later? Will you take a lump-sum pension or monthly checks? Will you need to tap your retirement funds when you quit work, and what's the best way to do so? You can, and should, educate yourself about these topics. (Books like Margaret Malaspina's "Cracking Your Retirement Nest Egg" can help). But planning for retirement is so complex, and the consequences of making a mistake so potentially severe, that it can be worth hiring an objective financial planner or tax pro to review your plan.

It is never to early to learn how to retire. Start today check with your employer to see if they offer any early retirement incentive programs. In the next installment I will cover retirement planning with 2 years to go before retirement.

Jim Roche of NJ has created The Early Retirement Planning Forum for you to visit join and post all of your early retirement planning tips as well as provide information and resources for those wanting to retire early, or just what is necessary for you to know how retiring early can become a reality For More Information Contact

Jim Roche NJ
908-413-5363
http://retireearly.thesavingshighway.com/
jimrochenj@gmail.com
(read more)

Planning Early Retirement | for Those Not Named Tiger Woods, Submitted by Jim Roche NJ

"Flying by the Seat of Your Pants" might have worked just fine while you were employed, but ignorance or mistakes in early retirement planning can cost you dearly. Retiring early, choosing the wrong investments, withdrawing too much money or failing to plan for health-care costs can all turn your golden years to brass.

Although there is no guarantee you'll avoid unpleasant surprises if you plan -- but you can probably tip the odds in your favor. Here's a checklist to get you started. (As you get going, your Retirement Planning can help you make sure the numbers add up.)

10 years out
Think about where you'll live. Demographic surveys show most retirees "age in place," meaning they continue to live in the same house, or at least the same community, as when they retired. But downsizing or moving to a cheaper community can help your retirement assets last longer. Since where you live has a strong impact on your expenses, you'll want to consider your options carefully.

The Sabols, for example, had equity worth more than $225,000 in their New Jersey home. If they sell and move to the Florida condo they own, they could add that equity to the $350,000 already saved in their retirement nestegg. If they stay put for a few years, by contrast, the Sabols would have to keep paying their mortgage and other home expenses -- a difference of $2,000 or more in their monthly costs.

Imagine what you'll do. Some people don't think about how they'll spend their time in retirement until they wake up jobless. That's a bad idea psychologically as well as financially.

Retirees who fare best are generally the ones who have absorbing interests to pursue, said Ralph Warner, the recently retired author of "Get a Life: You Don't Need a Million to Retire Well" (Nolo Press). Those who wait until retirement often find themselves casting about for something to do, and may discover that the hobby or pastime they thought they would love isn't quite so engaging when they can indulge it full-time. As Warner says, "There's only so much golf you can play."

Speaking of golf, your activities in retirement also influence how much money you'll need. If you want to play the finest courses or travel the world, you'll need to save more than if you like to play canasta and visit relatives.

Boost your retirement contributions. If you're not already taking full advantage of your 401(k), IRA and other retirement options, now's the time to increase your contributions. Use MSN Money's Plan for your early retirement planning to see if you're on track, and try your calculations using different life expectancies. Your chances of making it to age 90 or beyond have never been better; many financial planners now use age 95 as their default life expectancy.

Consider paying down your mortgage. If you still have some cash left over after paying off your other debt and maximizing your retirement contributions, think about getting that mortgage retired before you do. Having the house paid off helps many retirees sleep better at night. Not having a mortgage also means you may have to draw less from your retirement accounts, allowing them to grow tax-deferred longer and reducing your overall tax bill.

Jim Roche of NJ has created The Early Retirement Planning Forum for you to visit join and post all of your early retirement planning tips as well as provide information and resources for those wanting to retire early, or just what is necessary for you to know how retiring early can become a reality. .

For More Information Contact

Jim Roche NJ
908-413-5363
http://retireearly.thesavingshighway.com/
jimrochenj@gmail.com
(read more)

How to Retire Early | Early Retirement Planning | Retiring Early | Submitted by Jim Roche NJ

The answers to the following questions could take a while to formulate. But not taking the time to do so comes with dire consequences. Of course, much of what needs to be done in order to retire early requires saving more and making sure there's enough cash to last a lifetime. But a whole host of other factors must be considered. More than likely, it's a case of garbage-in, garbage out. If all you examine is whether you have enough money to retire early, you may get the wrong answer to the "Can I retire early question?"

What are your main goals and concerns relating to retirement?

Who, besides yourself, needs to be taken into account in your planning (a spouse or partner, a dependent child, a dependent parent, a grandchild who lives with you or needs your support, an ex-spouse, other adults living in your home)?

What is the age, sex, smoking status, overall health, citizenship, state of residence, and relationship to you, for each person?

What assets do you own (preferably with lots of details here), and what income do they generate?

What debts do you have? What job(s) do you have now, how long do you expect to have them, and what jobs do you anticipate having in the future?

What other sources of income do you have or anticipate: pensions, annuities, Social Security, alimony, royalties, etc., including future expectations (e.g., an inheritance, the pay-off of a family loan, etc.)? What expenses do you incur, or do you expect to incur, both as a family and as individuals?

What intentions and plans do you have for what happens when you die, or if you become incapacitated?

What kinds of life and health insurance do you have, including long-term care insurance?

This is just a small sample of questions that must be addressed before you decide to retire early.

Retiring early, whether you stay employed or not, however, requires a plan. Not a flip-of-the-coin, Heads; you retire early or Tails; you don't plan. Some 10,000 Americans will turn 60 every day over the next 20 years. Many will celebrate their next birthday asking whether they can walk away from their current job and retire early. For most Americans, the answer is no. Most Americans, according to a number of studies released recently, don't have enough money saved to enjoy the same standard of living in retirement as in their working years.

The odds are that many of these Americans who are contemplating early retirement never crunched the numbers to figure out whether it made sense or not. Many retired Americans seem to make do with what they have and are seemingly happy with what they have.

We as Americans tend to adapt to our current circumstances. Dont just settle or adapt in what is meant to be your Golden Years. Thrive and make those early retirement decisions pay off for you and become the most enjoyable ones of your life. For More Information About Early Retirement Planning

Jim Roche NJ
908-413-5363
http://retireearly.thesavingshighway.com
jimrochenj@gmail.com
(read more)

Low Cost Splash Page Promotion | Submitted by Jim Roche NJ

Is a brand new concept in Splash page promotion. By using this simple little script it will put YOU in control of the site promotion that your members do.

Have you had members promoting a splash page that is no longer valid?
or
Had members promoting special offer splash pages long after the promotion has ended?

Far worse is for you to have had a special offer splash page made and then most of your members have not even set it up?

NO MORE!

Imagine Having a low cost splash page promotion tool that allows you to control which of your splash pages is being circulated by all your members and will automatically change it after a predetermined number of days of your choice.

Splash pages need to be changed at regular intervals to prevent people getting familiarity blindness. Familiarity blindness is when you have seen the same thing so many times that you don�t notice it anymore, and this happens very rapidly on traffic exchanges.

So, what do you do with that splash page that is not getting click through�s any longer? You cant dump it because that may cause dead links for your members that are trying to promote your site for you. But if you could take it out of circulation for a month or so then use it again, those click through�s will return. The problem is, to get all your members to do it at the same time is nearly impossible.

That is until NOW.

The Low Cost Splash Page Promotion Tool will do it for you seamlessly.

It has been proven by testing over many months that after using a splash page continuously, the click through rate falls off dramatically. However By taking a Splash Page out of circulation for a while and then using it again the click rate goes back to an acceptable level. Thus giving it a new lease on life.

The Low Cost Splash Page Promotion Tool also allows you to set up Special Offer Splash Pages and Guarantee�s that your members will get them shown for you.

All you need to do is set up your Special Splash Page and set a start date and an end date. The start and end dates can be anything from 1 day to months ahead of the day you set it up. The Splash Page Promotion Tool will then make sure that it starts showing on the start date and will stop showing on the end date totally automatically.

You give your members just one link to use for your splash page promotion, and the low cost splash page promotion tool does the rest. This solves the problem of members having to change all their links in the numerous Traffic Exchanges they belong to. It also ensures that Special Promotions are shown only for the period that you pre- set.

For more information Contact
Jim Roche NJ
908-413-5363
skype id =jim.roche3 (read more)

Become Wealthy | Retire Early | Savings Highway | Angie Mitchell

Yes, it is absolutely possible to become wealthy even in today's economy and you can start right now with a Savings Highway Membership. I'd recommend joining at a Gold Level because it offers you the most Savings, Bonuses, and Commissions. As a Gold member, you can earn up to $40,000 a month plus bonuses, of course that totally depends on how motivated you are but Gold is for serious income earners. You may also choose from a Silver or Bronze Membership, however, Gold provides the most potential income for you and your family.
Before I get too carried away, I want to tell you that by joining Savings Highway you are not "selling" anything. This is a savings and earnings program, we do not try to sell people things they do not need or want. We offer people the opportunity to save money on the things the need or purchase anyway such as dining out, entertainment, shopping, dental, vision, roadside, legal, x-rays, prescription savings, groceries and so much more.
I invite you to check out my website for a list of services and benefits offered to you as a member and to those you will be helping to become wealthy as well. Who would have thought that we can all retire early and save money at the same time?
Since almost everyone wants to save money and make extra income, offering these savings is an easy thing to do especially with a program like Savings Highway. The faster you help people and the more people you introduce, the faster you can become wealthy and retire early.
Let me show you your money making potential as a Gold Member
1. FAST CASH--Each time you introduce a new Member, you will receive 50% Fast Cash Bonus! This is paid to you the following week! Each time you refer a new Member, you will receive $50 and a $25 visa gift card.
2. MONTHLY PERSONAL REFERRAL BONUS--You will receive a $10 a month Personal Referral Bonus, EVERY MONTH on each personally referred Member.
3. GOLD MATCHING BONUS--Receive a 10% Monthly Matching Bonus on all of your personally referred Members' checks.
For example, when you introduce just 6 Members, and they all follow the Retire Early Plan and earn $40,000 a month, your Monthly Matching Bonus would be $19,200 a month in Matching Bonuses! That's $3,200 X 6 = $19,200.
4. $300 MONTHLY CAR BONUS--Savings Highway will reward you for Going The Extra Mile. By Helping just 10 people to Save Money, you will receive a fantastic $300 a month Car Bonus and your Organization reaches 50 Members.
5. $750 MONTHLY LUXURY CAR BONUS--When you help just 25 people to Save Money and your Organization reaches 150 Members.
6. $2,000 MONTHLY LIFESTYLE BONUS--Receive a $2,000 Monthly Lifestyle Bonus when you introduce and maintain just 50 personally referred Members and your Organization reaches 300 Members.
7. You will also receive $14 a month for each of your personally referred Members starting in month and you will also receive $5 a month for all Members in your Organization from level 2 through 12 referral levels deep, no matter who introduces them, how sweet is that?
You have a simple system that can actually help you to become wealthy and retire early by saving money on things you have to buy anyway, doesn't it make perfect sense to join Savings Highway and let everyone know about it?
You have just one simple decision to make, you can either get started on the path to savings, abundance, wealth and success, or continue on the path you are on. If you want more, if you want things to change, then you must make a change. Savings Highway can help you to retire early. Join the thousands of others who have been fortunate enough to find Savings Highway and change their lives for the better.
Click Here to Retire Early
Angie Mitchell
604-883-2218
Skype: angiebt79828
angie@thesavingshighwayclub.com
http://retireearly.thesavingshighway.com (read more)

All Veretekk Leads Link Back to Blastomatic Submitted by Jim Roche NJ<P>
Jim Roche of NJ routinely utilizes Blastomatic for Quality Back Links and Premiun Leads provided by Veretekk
Having a powerful ad submission service is absolutely critical to your business and website, our technology makes getting your content found by search engines quick and easy. The website search engine submission service is a fully integrated and will increase your profit and effectiveness with the most powerful system ever created! No other ad submission service can compare and it's FREE!
Blastomatic was designed by Veretekk as free ad submit site service that allows you to create and blast your advertisement to over 12 million websites across Internet.
Currently Blastomatic is a superb tool which has great attraction for those wanting to blast their ads into cyberspace with the objective of building their back links and generating leads to add to their list from the responses they hope to get and to improve their SEO on Google.
With Blastomatic you'll be able to download 5000+ leads daily. As non paying member the system will only allow you to do this once a month. But if you update your blastomatic system for 14$/month, you will have the ability to download these leads daily. You will download average 150,000 leads per month which is less then $0.0001 per lead.
The quality of these leads are far from ordinary, they aren't over-used, contaminated 'throw in the trash' leads accumulated and collected from other lists which the industry has tolerated for way too long. The leads are fresh leads, straight from the server-farm from people seeking answers to their questions - many of whom are seeking knowledge on starting a home based business.
How to use Blatomatic--Select your keywords, configure your ad, sit back, and watch as your ad is submitted live to many well-known major ad sites.
No software to download
No waiting; immediate real-time submissions
Wysiwyg; watch submissions and responses live
Only real major classified ad sites
All categories supported (biz opps, health, auto, computer, etc.)
Membership and login sites supported
Major link sites
Submission success reports and verification
No other ad submission service can compare to the "high-tech" service my prospects will receive from Blastomatic. Most companies charge a fee and provide an inferior service. I get to provide top notch service with a great product for free! Your ads can claim "We dare you to take the challenge of finding a better deal than Blastomatic".
To learn more on how to use and apply Veretekk's Free Marketing System, to promote your business, visit my Veretekk website and signup for free. To view other free internet marketing and lead generation system tools from Veretekk, Click Here (read more)

My Online MLM Business | Veretekk | Jim Roche NJ Submitted by Jim Roche NJ
There are so many Online MLM Business companies out there these days but the number one question still remains, which one is the best? There is no right answer. First, you have to ask yourself, what are you looking to achieve? What are your goals? There's alot of things you should pour over when selecting which one is best for you. Here are three of the biggest:
1. Does the company have long term success. What's in it for you?
Does the company have a long term presence? You should look into one that has been around for at least 3 years. By joining an already established company or one that actually promises a real future, you will be more likely to have long term success. Don't join some fly by night organization. Do a Google search for Online MLM Business company and gather information, even call or email others already involved and ask questions.
2. What products or services will you be offering? What's in it for you?
It will be quite difficult to introduce new members into your Online MLM Business if there is no real tangible product or service being sold. If it's seen as a money making scheme it won't succeed and people won't buy into it. People need to be able to sink their teeth into something of value. They, like you will be asking "What's in it for me?" Keep in mind the economy, people can't afford high priced lotions, potions or pills right now. They are trying to save money not throw it away. Is there an autoship? Will your garage be stock pilled with product people can't afford to purchase? Let's hope not.
3. How will you get paid? What's in it for you?
You need to look at the compensation plan and make sure that you are comfortable with how company pays out their commissions. Some Online MLM Business companies pay weekly, some pay monthly. (I prefer weekly!) Make sure you are OK with how you are compensated and also that you are bringing in as much as possible in commissions. Even though the "worker bees" are doing the marketing and sales aspect of it, most MLM companies can't and won't pay out every penny to the "hive". (It's rare but just for the record, I have had 100% commissions month in my business opportunity.)
Now, even if all your ducks are in a row it still doesn't mean you are going to see success in your venture over night. There is no such thing as immediate success in this industry, you need to actually do the work and put in some real effort into building your organization. "Earn your stripes" as they say. Steer clear of anyone telling you that "it's easy", "make $15,000 in a week" It just won't happen, not right away. It's now up to you to do your homework, choose a company and build your network.
Last but not least, you are going to want to check into a fantastic marketing system. It's extremely important for whatever network marketing company you choose. This system will allow you attract new members that you can present your business to on a daily basis. If you need marketing tools I can recommend Veretekk Online Marketing System. Jim Roche NJ can help you with an established online Online MLM Business (one you can sink your teeth into) and the tools needed to help grow your business.
My Online MLM Business
Online Marketing Tools
Jim Roche NJ
908-413-5363
(read more)

Family Legal Club of America | Savings Highway | Submitted by Angie Mitchell
Savings Highway and the Legal Club of America have come together to offer Members a Family Legal Plan that covers your entire family as well as children under 25 and any dependents that may be living with you. With a membership you are able to use this service as often as you like, so when you or a family member have a legal concern, you can feel confident to pick up the phone, receive legal advice and not have to worry about the cost.
Members have access to over 20,000 Plan Attorneys that they can be called any time during normal business hours (8:30 AM to 7:30 PM EST) or visit a Plan Attorney to get unlimited legal advice about any new legal matter. The Plan Attorney will discuss legal questions with you or a member of your family and assist in reaching a solution to the issue. A Plan Attorney can review important legal documents, draft a simple will or write letters on the member's behalf, ALL AT NO CHARGE!
FREE Services Offered by Family Legal Club Of America:
1. Unlimited phone consultations for each new legal matter
2. Face to face consultations for each new legal matter
3. Review of important legal documents (6 page max.)
4. A free simple will with free annual update
5. Help representing you in small claims court
6. Write letters on the members behalf
7. Make phone calls on the members behalf
Savings Highway gives you the power you need to handle your legal matters with FREE CONSULTATIONS!
Plus, you'll enjoy a Capped Hourly Rate!
Family Legal Plan Attorneys contract to never charge more than $125.00 per hour for legal care that goes beyond the free and discounted services. No competitor in the nation can make this claim or match Savings Highway Family Legal Plan. This is where the real savings begin.
After the free letters, calls and consultations take place, members and their attorneys will have to decide what course of action to take next. In some cases, members may not have a choice and litigation may ensue. This is the point in time at which the attorneys begin to charge the $125.00 hourly rate for legal care.
You will receive a great Discount on Contingency Based Cases! Your Contingency fee will be a 10% reduction of the state maximum rate or the attorney's usual rate, whichever is lower.
If you do not have a will, you need one... especially if you have children. Now you can get your Free Simple Will done for FREE with your Membership! Save an immediate $200 with your Free Will today!
"Hi, I'm Walter Montford in Georgia. I used the Pre-Paid Legal Plan to Save over $30,000. Without the plan, I could not have afforded to keep up with the person I was in court with. Because of the plan, I was able to save Thousands and win the legal battle. I highly suggest you get a Savings Highway Membership, because you never know when you will need the help of a lawyer...and when you do, it could save you Thousands!" -Walter Montford, GA
As a member simply pick up the phone, speak to a customer service representative and then you'll be put in touch with a participating attorney in your area. It's that simple, it's FREE and easy to use. Now you don't have to be afraid to pick up the phone and get your legal questions answered, if you need to go to court, you'll have great legal counsel and potentially save hundreds or even thousands of dollars... with Savings Highway Family Legal Plan.
For more information and other savings offered by Savings Highway Click HERE Angie Mitchell
604-883-2218
http://thesavingshighwayclub.savingshighway.com/
Skype: angiebt79828
angie@amitchellonline.com
(read more)

$350 FFA Submission,Are They Serious? Blastomatic is FREE!Submitted by Jim Roche NJ
Blastomatic is not just any ad submission service, it provides you with the most powerful ad submission service on the planet and it's FREE! No other ad blaster can compare to the service you receive from Blastomatic. If you do a Google search you will find that the cost of a genuine, high quality, submission service that offers to posts your ads to the millions of sites out there will run you about $350 but will provide you with an inferior service!
Trying to promote on the Internet or offline for that matter can be next to impossible and very expensive. It's crutial to find the right tools or you're simply wasting your time and hard earned money. Blastomatic makes it easy for you by submitting your ad to millions of pages with just one click of your mouse. You will not find a better deal out there.
When you begin the task of acquiring quality and relevant backlinks to your website there are many factors that can increase or decrease your search engine rankings. By using Blastomatic you will without a doubt be creating millions of quality backlinks pointing to your website automatically! This is huge for creating link popularity as well as establishing a much higher ranking in the search engines (SEO). Quality backlinks are one of the most important factors involved in the process of acheiving high search engine ranking. The more you use this search engine submission service, the more links there will be pointing back to your website! Blastomatic has one goal and one goal only and that is to provide RESULTS!
Search-engine ranking rules change frequently, but one thing always remains constant: link popularity.The more webpages you have linked to your site, the better the chances are that you will be ranked higher in the search engines. Yes, you still need to pay attention to Meta Tags, Titles, Descriptions, Keywords and Content, but to achieve a really good ranking, you must have others linked to your webpage, as well. Blastomatic has taken all of the most popular link pages and created an automated system giving you the ability to post on them easily ... and not just FFA sites, either. Your information is placed into millions of classified ad sites as well, thus greatly increasing your link popularity.
Wikipedia defines Backlinks as: Backlinks (or back-links [UK]) are incoming links to a website or web page. Inbound links were originally important (prior to the emergence of search engines) as a primary means of web navigation; today their significance lies in search engine optimization (SEO). The number of backlinks is one indication of the popularity or importance of that website or page (though other measures, such as PageRank, are likely to be more important). Outside of SEO, the backlinks of a webpage may be of significant personal, cultural or semantic interest: they indicate who is paying attention to that page. In basic link terminology, a backlink is any link received by a web node (web page, directory, website, or top level domain) from another web node (Bj�rneborn and Ingwersen, 2004). Backlinks are also known as incoming links, inbound links, inlinks, and inward links.
This ad blaster service is the most effective online search engine system that will submit 12 million of your ads, to all the major and most popular free classified ad sites, refered to as free for all (FFA) sites and link sites, easily. Simply enter your ad, sit back, and watch as your ad is submitted live.
Although a cutting-edge viral software tool of this caliber could normally set you back a pretty penny, the good news is that you can use Blastomatic free of charge forever and boost your website traffic while you build a profitable business. This is top of the line marketing automation that is easy to use and easy to implement to insure your online success.
The website search engine submission service is a fully integrated and will increase your profit and effectiveness with the most powerful system ever created on the Internet! No other ad submission service can compare.
To submit one classified ad to over 150 classified ad sites by hand will take you all day. Blastomatic submits to 12 million sites in less than 5 minutes. So quit wasting hours, even days, manually submitting your ads to the FFA classifieds. And start utilizing Blastomatic NOW!
Jim Roche NJ
908-413-5363
Automated Marketing Leads | Blastomatic
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Want to Know How to Retire Early? Savings Highway Will Get You There. Submitted by Angie Mitchell
Many experts estimate that a huge percentage of future retirees will have to cut their expenses drastically once they stop working if they want to make sure they don't go broke. The real answer to the question, "Can I retire early?" is: "Of course you can, but you may run out of money." It's completely possible to retire early without this happening!
How are you supposed to plan for early retirement when we are faced with a failing social security system, longer life spans, inflation and volatile markets? Well, to start with take a deep breath & relax, because no matter how daunting things may seem now, chances are you have more options than you think when it comes to how to retire early and when all is said and done, this is what we're here for... We are problem solvers.
Our mission is to preserve, protect and defend your financial security and enhance your retirement by providing superior financial solutions and savings.
What is the real issue standing between you and the early retirement you deserve?
You don't have to accept stock market risk in the hope of reaching your goals. We will show you how to have stock market like rates of return with absolutely no downside.
If you have large IRA, 401k & other qualified accounts you may be amazed to learn just how big your tax liability is in retirement. We can help minimize your tax liability but the choice is yours. When you work with us you never give up choice & control. Find out for yourself how much better off you can be and we'll show you how to retire early.
There are few opportunities that provide a full-time income potential while working on a part-time basis. Savings Highway is enabling thousands of people across the country to turn their dreams of retiring early into a reality because they are earning a living they never thought possible.
Compared with other investment opportunities, a home internet business is a flexible, stable business that allows you to earn an unlimited income enough for you to retire early. However, a home internet business takes a little time and effort on your part to learn and get comfortable with. It's wise to start early.
What I suggest you do is to find and join an established company like The Savings Highway Club which has at least been in operations for a minimum of 3 years. The longer the business is in operations the better chance as they are unlikely to scam you. Large company usually have an establish system in place, you don't have to worry that they will run away with your money. Give yourself one year of continuous effort to learn how to run your home internet business, start building your foundation and your retire early plans will no longer be a pipe dream.
Remember, there are no so called secrets to succeed on the internet. People you see that are successful started their home online business early. Start building a strong team, a network of positive like minded people who want to take control of their lives, bring together collectively empowered and inspired people to create massive freedom for themselves, embrace a new challenge and start to living deliberately! I'm telling you, it will become your passion!
Wishing you nothing but success in your early retirement!
It is my mission to educate people and bring savings and financial wealth everywhere.
Angie Mitchell
604-883-2218
http://thesavingshighwayclub.com
http://retireearly.thesavingshighway.com
MISSION STATEMENT: Our mission is to assist 1 Million families in the USA to reach Financial Independence. By providing American families with a Membership they can use to save money including benefits like Family Dental, Vision and Health Savings, 24 Hour Roadside Assistance, Savings on Dining, Shopping, Office Supplies, Recreation, Travel, Taxes and more, and combining all of these great benefits with our 2 who refer 2 "Retire Early" system, we can reach our goal of assisting 1 Million Savings Highway Families to find Financial Independence, and have fun along the way! (read more)

Helping Others to Retire Early, The Savings Highway Shows You How
Close your eyes for a moment and picture yourself enjoying your ideal retirement. Perhaps you�re standing on the deck of your new houseboat. Or strolling through the streets of Europe. Or reading 'Grisham" on the back porch, listening to the sounds on the stereo playing songs from years past.
More than likely, your actual retirement will look quite different from the way you�re imagining it. For one thing, the music playing on your stereo is more likely to be on your virtual reality headset � because you�ll probably retire a lot later than you think. If, that is, you retire early at all in the traditional sense of the word.
A recent survey released this year found that over 60 percent of Americans (ages 40 to 69) indicated that they�ll include some form of work in their retirement. Another study by the Brookings Institution, a Washington think tank, had similar findings. As reported by CBS News correspondent Nancy Cordes, "Nearly 80 percent [of the study�s participants] say they�ll work on a part-time basis well beyond [age 63]." And the massive University of Michigan Health and Retirement Study (which surveys 22,000+ Americans over 50 every two years) also found that most Americans would prefer a "gradual retirement" � scaling back on their hours rather than quitting all together � if they had the choice.
In our parents and grandparents world � the kind of world that used to exist � retirement didn�t involve work. You were part of an extended family. When you grew old and wanted to retire early, you could do so. Your children would be running the family business. You would be included a majority of the time when important decisions needed to be made. Your wisdom would be respected. Your instincts revered. You would be surrounded by your loved ones, enjoying the fruits of your combined labor. Everything would be nirvana.
Rarely if ever , does that happen today. For one thing, you need money to retire early. A lot of money. So most baby boomers are going to have to delay their retirement because they simply will not be able to afford to retire early.
But even if you reach retirement age with substantial money in the bank, I�m going to argue that there�s a more important reason for you to eliminate those dreams of an euphoric life of leisure.
To understand what I�m about to say, you have to understand this: Happiness in life comes not from idleness but from helping others. Not helping others at a job you dislike, but helping others to achieve their real inner peace.
Given that, the secret to a great early retirement is to figure out how to get paid for doing work you would gladly do for free � and to be able to do that help others when and where you want to.
Maybe you have always wanted to be a dance instructor. Maybe your secret passion is cooking Middle Eastern cuisine. Maybe you�ve always wanted to rekindle your interest in astronomy, archeology or gardening.
Somewhere in your past is a buried profession � something you�ve long ago given up on. What if you could make that dream a reality?
The Internet has opened up a world of possibilities for those wishing to retire early. I recently met a man who trades old issues of Time Magazine online. This happens to be something he always wanted to do and planned to do once he stopped working. But by taking advantage of eBay and other Internet auction sites, he is already making a tidy sum doing it just on weekends. Trading old magazines!
There are plenty of other examples. You can become an Internet mentor, an Internet travel agent, or even an Internet master. You can make money giving relationship advice on the Internet, or even selling underwear. You can use the Internet to make a living from your interest in dogs or other animals, or your up-until-now useless knowledge about 20th-century dolls.
For the best early retirement possible, give up on the idea of playing golf all day. Instead, enrich your life with pursuits that mean something to you� and make money at the same time.
You can start your retire early planning right now by asking yourself the three Big Questions:
1. "Who would be the best person to do it with?"
2. "Where would I most want to do it?"
3. "What would I really enjoy doing?"

You may have found a partner and are ready to relocate right away, so start mastering the skills you�re going to need for your early retirement right now."
Jim Roche of NJ makes excellent residual income by helping just 2 people follow a simple plan to be able to retire early (in as little as 12 weeks to 12 months). Learn the secret of true happiness by joining the Savings Highway and helping others to achieve their financial freedom.
Jim Roche, NJ
(908) 413-5363
http://thesavingshighway.com
http://retireearly.thesavingshighway.com
Skype Id: jim.roche3
Yahoo Id: jimrochenj
MSN Id: jimrochenj
(read more)

Early Retirement Ready? The Savings Highway is your road to Financial Freedom
Early Retirement Ready? The Savings Highway is your road to Financial Freedom
Many of todays full time workers remain confident they'll be able to live comfortably in early retirement, despite a growing amount of evidence to the contrary, as indicated by the latest research.

Consider these numbers from the 2009 Retirement Confidence Survey released in April 2009 by the Employee Benefit Research Institute and Mathew Greenwald & Associates Inc.:

* Three of four workers report that they and/or their spouses have saved for early retirement.

* About half (54%) of workers believe that they will have enough money retire early.

* A similar percentage (53%) reports retirement savings-not counting home values and defined benefit plans, if any-of less than $25,000.

* About one of three workers (31%) who have not saved for early retirement are confident about a comfortable retirement.

* Three of four workers who have saved expect to need jobs in retirement to make ends meet.

Many individuals considering early retirement believe they'll have the same standard of living in retirement, despite savings of less than one year's current income-or no savings at all.

Experts recommend that all workers make a realistic effort to become "retirement ready" by taking these first steps today:

* Track expenses, and evaluate whether those expenses will continue in retirement.

* Create a budget for your current situation.

* Determine current net worth.

* Get an estimate of pension or 401(k) or 403(b) income possibilities, and determine when you are eligible for retirement.

* Get an estimate of your Social Security benefits from ssa.gov or call 800-772-1213.

* Determine whom you'll be providing for in retirement, and plan for long-term care for any dependents.

* Calculate your life expectancy.

* Set a retirement savings goal and make a plan to reach it.

If you are planning to retire early and are not retirement ready The Savings Highway has a simple plan to make it possible to retire in as little as 12 weeks to 12 months. Right now, every day people just like you are changing their lives forever! These are people with no special skills. If other people can do it, so can you!

Yes, it is possible to Retire Early and you can do it with The Savings Highway in just 12 Weeks to 12 Months! In order to be successful, make a 12 month commitment and follow the simple plan!

Since your bank account is measured by the amount of value you provide to others, we have designed a RETIRE EARLY System to help you make money by helping others! Unlike the corporate world where it's every man and woman for themselves with a "Dog Eat Dog" mentality, Savings Highway rewards you with more and more cash for helping other people to be successful. This provides a breath of fresh air for people who have worked in the business world.

Simply assist the 2 Members you introduced in doing exactly what you did.

That's right. Help them to follow the RETIRE EARLY PLAN...

Take these steps today

Step 1: Join Savings Highway...

Step 2: Help 2 people to save money by introducing them to Savings Highway...

Step 3: Save Money...

Step 4: Help them to do the same!

That's all there is to it. It's that simple! And when you do it, it can bring you wealth in a short amount of time. This is the step you must do if you want to receive over $32,000 a month... month after month!

When you help 2 people to follow the Retire Early System, you are doing them the biggest favor anyone could ever do for them! You are helping them to start their path to Total Financial Freedom... and you can get rich together!

You will be rewarded month after month for helping them just one time! Then as they help their 2 new Members to introduce 2 each, and so on, everyone wins and you are on your way to earning over $32,000 a month!

For More Information Contact:

Jim Roche NJ

(908) 413-5363

The Savings Highway

Skype Id = jim.roche3

Follow me on Twitter

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<A HREF="http://legal.thesavingshighway.com">The Savings Highway, Legal Club of America Plan INCLUDED!</A> Submitted by Jim Roche NJ
Author: Jim Roche NJ
The Savings Highway, Legal Club of America Plan... INCLUDED!
When you or a family member have a legal concern, wouldn't it be great to just pick up the phone, receive legal advice and not have to worry about the cost? Well, as a Savings Highway member, you can do just that!
COVERS YOUR ENTIRE FAMILY - Use as often as you like!
The Savings Highway members have access to over 20,000 Plan attorneys that they can call any time during normal business hours (8:30 AM to 7:30 PM EST) or visit a plan attorney to get unlimited legal advice about any new legal matter and they don't have to worry about the cost. The Plan Attorney will discuss legal questions with the Savings Highway member and assist them in reaching a solution to their problem. The Plan attorney can review important legal documents, draft a simple will or write letters on the member's behalf, all at no charge.
"I'm Walter Montford from Georgia. I used the Savings Highway Legal Club of America Plan to Save over $30,000. Without the plan, I could not have afforded to keep up with the person I was in court with. Because of the plan, I was able to save Thousands and win the legal battle. I highly suggest you get a Savings Highway Membership, because you never know when you will need the help of a lawyer...and when you do, it could save you Thousands!" -Walter Montford, GA
Save $200 Now - Get a FREE Will or FREE Annual Will Update!
If you do not have a will, you need one... especially if you have children. Now you can get your Free Simple Will done for FREE with the Savings Highway Membership! Save an immediate $200 with your Free Will today!
SEVEN FREE SERVICES ICLUDED with the Savings Highway Membership... Each attorney will provide members with:
1. Unlimited phone consultations for each new legal matter
2. Face to face consultations for each new legal matter
3. Review of important legal documents (6 page max.)
4. A free simple will with free annual update
5. Help representing you in small claims court
6. Write letters on the members behalf
7. Make phone calls on the members behalf
How many times have you wanted to speak to a lawyer, but were afraid of the cost?
Never be afraid again! The Savings Highway gives you the power you need to handle your legal matters with FREE CONSULTATIONS!
Plus, You'll enjoy a Capped Hourly Rate!
Family Legal Plan attorneys contract to never charge more than $125.00 per hour for legal care that goes beyond the free and discounted services. No competitor in the nation can make this claim or match Savings Highway. This is where the real savings begin.
After the free letters, calls and consultations take place, members and their attorneys will have to decide what course of action to take next. In some cases, members may not have a choice and litigation may ensue. This is the point in time at which the attorneys begin to charge the $125.00 hourly rate for legal care.
Get a great Discount on Contingency Based Cases!
Contingency fee will be a 10% reduction of the state maximum rate or the attorney's usual rate, whichever is lower.
Free and Easy To Use!
The Savings Highway members simply pick up the phone, speak to our customer services representatives and then are put in touch with a participating attorney in their area. It's that simple. Now you don't have to be afraid to pick up the phone and get your legal questions answered!
And if you need to go to court, you'll have great legal counsel and potentially save hundreds or even thousands of dollars... with The Savings Highway!
Jim Roche of NJ is one of newest satisfied Savings Highway members. The Savings Highway is North Americas premiere Savings and Earnings programs available today. When you join the Savings Highway you not only save on the things you buy everyday but can relax with the peace of mind having a competent attorney at your disposal for FREE Legal advice. Contact me right away to see all the Savings Highway has to offer.
About the Author:
Jim Roche of NJ is one of newest satisfied Savings Highway members. The Savings Highway is North Americas premiere Savings and Earnings programs available today. When you join the Savings Highway you not only save on the things you buy everyday but can relax with the peace of mind having a competent attorney at your disposal for FREE Legal advice. Contact me right away to see all the Savings Highway has to offer.
Jim Roche NJ
908-413-5363
http://thesavingshighway.com
http://legal.thesavingshighway.com
Skype Id= jim.roche3

Article Source: ArticlesBase.com - The Savings Highway, Legal Club of America Plan... INCLUDED! (read more)

<A HREF="http://thesavingshighway.com">The Savings Highway is Your Early Retirement Plan</A> Submitted by Jim Roche NJ
The Savings Highway is Your Early Retirement Plan Submitted by Jim Roche NJ
When the economy is in a downturn, businesses (just like individuals) often have to find ways to cut expenses in order to stay afloat. Unfortunately, one of the most common cost-saving methods employers use is a layoff or reduction in force (RIF). The idea is simple: Having fewer workers to pay and provide benefits for can mean huge savings.
Rather than firing workers, some employers offer workers a buyout or early retirement. This not only helps the employer lower its costs and expenses, but also gives the workers some money and other benefits. If your employer is offering such a package, you need to know a little about how it works and some things to think about when deciding to take it or not. What's in a Name?
Today, buyouts and early retirement plans are often used interchangeably. And while they typically involve the same things, there are some technical differences. A buyout is essentially an incentive offered by a business to get workers to leave voluntarily. Buyouts are usually offered to employees who aren't close to retirement age yet, and so they may not be able to tap into any employer-paid pension plan. For example, a business may offer a buyout to all non-salaried workers or employees who've been with the company for five years or less.
An early retirement plan or package is usually offered to workers who are close to retirement age, and so they will be eligible to collect pension payments soon. For example, early retirement may be offered to all to employees who are 55 years old or older when the employer has a pension plan for workers who retire at age 60. As part of the early retirement package, the savings highway may offer to "buy" some of the five-year period between a worker's true retirement age. This allows the worker to access the pension earlier than usual.
Regardless of the name, the goal and net result are the same: The employer reduces its work force and the employees get money or benefits in exchange for leaving.
Also, keep in mind that these are not the same thing as a layoff. In a layoff, the employer decides who loses their jobs. With a buyout or early retirement plan, you're in the driver's seat and can choose your fate with the company. And, with a true layoff, such as when union workers are laid off, generally you can reapply for your old job when the economy or the company's business picks up again. Severance
What's the difference between a buyout or early retirement plans and severance pay? Again, technically, there's no difference. Severance is when an employer gives an employee a sum of money or other benefits at the time an employee is laid off. Also, an employer may have a written severance policy that defines which employees are eligible for it and how much each will receive. This may be in the company's employee handbook.
An important part of a almost every severance package, however, is that the worker is required to sign a waiver or "release" in order to get the severance package. Basically, by signing the release, you agree not sue your employer over being laid off or fired. For example, you may have to agree not to file a lawsuit claiming that you were laid off because of your age or gender.
Your buyout or early retirement plan may include something that's actually labeled as "severance pay," especially if your employer has a severance plan in place. Or, an employer may simply consider the buyout or early retirement plan to be a "severance package." And, don't be surprised if the buyout or early retirement package requires you to sign a release or waiver in order to qualify for it.
Again, the goal and net result are the same whether it's called severance or not: You get money or other benefits in exchange for leaving the employer (and leaving quietly). Standard Package
There is no "standard" buyout or early retirement package. Some of the things you can expect to see, though, include:
* A cash payment
* Paid health insurance for a period of time, like six months
* An increase in severance pay. For example, if your employer's severance plan allows for two weeks salary as severance pay, a buyout or early retirement plan may offer four weeks or more as an additional incentive
* A buyout of all or some of the time remaining between your years of service or age and the company's retirement age (sometimes called an "early-out" option or offer). For example, if your employer has a "30 year-and out" retirement plan (meaning you can retire after 30 years' service regardless of age) and you have 28 years of service, the package may offer to buy the remaining two years, letting you tap into the pension as soon as you take the deal * Other forms of compensation, like stocks
What's included in a buyout or early retirement package is limited only by the employer's imagination and resources. Some Things to Think About
If you're being offered a buyout or early retirement, or if you think one may be coming, you should think carefully about several things, including:
* If you get a lump sum payment of case, it may taxed as a "bonus," and taxes may be withheld from the payment at a higher rate than regular your regular wages
* Usually, you can't reapply for your old job after taking a buyout or early retirement
* Depending on the laws in your area, you may not be eligible for unemployment compensation benefits because with a buyout or early retirement, you're not losing your job involuntarily, which is a requirement for unemployment benefits in many states
* If you don't take the deal, you might be laid off in the future with a much less attractive severance package (or no severance at all)
* Consider whether the package includes career counseling or placement services to help you find a new job
Questions for Your Attorney
* A co-worker of mine was offered a buyout but I wasn't, even though we do roughly the same job and have been with the company for about the same amount of time. Is that discrimination?
* In our state, can I get unemployment compensation if I take a buyout or early retirement package?
* Can I negotiate a better deal when my employer offers a buyout or early retirement?
Questions to Ask Yourself *If the Company you currently work for informed you that they had to close down by the end of the month. Are you prepared?
*Will you have enough money monthly from a pension to live the life you have become accustomed to? Without signifigant adjustments.
* Are you ready to start a business for yourself and work from home with all the tax advantages a home based business entitles you to? As much as $10,000 a year in write offs.
The Savings Highway is the answer to all of these questions and more. Wether it is an early retirement you are interested in,or just saving money doing what you are currently doing on a daily basis. The Savings Highway is North Americas premiere savings and earnings program available today. With 21 rebate discount and free programs incluced in your membership. Make the Savings Highway your early retirement choice.
Jim Roche NJ
(908)413-5363
http://thesavingshighway.com
Skype Id =jim.roche3
Yahoo Id = jimrochenj
MSN ID = jimrochenj
(read more)

<A HREF="http://thesavingshighwayclub.savingshighway.com">Network Marketers Learn From Failure And Strive For Success</A> Submitted by Angie Mitchell
Successful Network Marketers are not afraid to fail. Instead, they see �failures� as indicators of what they need to alter in order to move their Internet Marketing Business to the next level. They realize that even a failure can be turned into a success, as long as you learn and grow from it.
People who are afraid to fail rarely take risks, they exist in a very small comfort zone. As a consequence, they never discover anything new about the world or themselves. It is a mistake to believe that all error is wrong and harmful, actually it is a helpful and a necessary means of solving life�s problems.
I am realistic enough to know that it will happen now and again. When we stumble, that experience has a way of helping us to sharpen our skills and when we fail and take the time to learn from them, we realize what we need to accomplish next in order to improve.
Failing is essential to being successful in anything you do, e.g., relationships, sports, business ventures, etc. Failure is simply a hole in the road. It is merely learning how to succeed, I look at it as the seeds of future success. So when you fail at something, look a little closer. Find out where the train came off the track, make the correction and try again.
When you hit a pot hole you'll notice that you survived, the world didn�t come to an end and you discovered a little more about yourself; your strengths, your weaknesses and above all, your capabilities. Become empowered to overcome obstacles to ultimately succeed at what you want to achieve.
What would you attempt to do, if you knew your failures were merely stepping stones to your ultimate success?
You can be what you want to be but first you must know what your goals are. You must have a plan, put that plan into action and turn that action into success! Success is as big or small as you make it.
The people that become successful with Internet Marketing are those that truly believe in themselves above anything else. They refuse to give up on the first try, second maybe even a third or fourth try. Failure is an important part of the journey. A leader begins from the inside. They work hard at giving and that radiates to others.
In a world where Internet Business makes it possible for anyone to reach goals and bring their entrepreneurial dreams to life, it doesn�t make sense to let the possibility of a satisfying and fulfilling career pass you by. It�s up to you to make it happen. You are not your failures, your failures are part of your success!
It is my mission to educate people and bring savings and financial freedom everywhere via Savings Highway.
My Internet Marketing Business
Angie Mitchell
angie@thesavingshighwayclub.com
250-378-6798 (read more)

The Savings Highway is Here
The Savings Highway is here, and you can get on and ride it into your dreams. What is the Savings Highway ? It is a business that enables anyone to save significant amounts of money. But more than that, anyone who wants to can ride the Savings Highway into an incredible residual income for themselves--$5,000, $10,000, even $30,000 or more every month in additional income for themselves. As a member of the Savings Highway, you can truly retire early, in anywhere from just 12 weeks to just 12 months.
This is no joke, and it's no mistake. This business has been painstakingly planned and built by experienced marketer and owner of three successful companies, CEO Steve Gresham, and his wife and company CFO Maria to make it so that in just three months to one short year from now anyone can be financially independent and living out their fantasies. And how do you get there? You get there by helping other people.
In today's economy and with today's stock market woes, what are people most concerned about? They are concerned about making more money, saving more money, and securing their future financially. More and more people today are turning to home-based businesses that are powered by the miracle that is the Internet. They don't trust the government's Social Security or any other programs to help them with their financial future. They don't know if they'll even have a j-o-b in a couple of months, and even if they will they want something better for themselves and their families. They want to be in control of their destinies, not working slavishly for someone else. People today also can't trust the banking industry. Too much of it has collapsed, and the returns on money markets and savings accounts today are dismal to say the least. The stock market even has become too risky for the average person to trust.
According to Steve and Maria Gresham, "We were tired of companies that promised the world, but didn't deliver. We started Savings Highway so that Americans could find a home they could believe in--a company that pays on time, every week like clockwork, and delivers real world benefits that actually work to help people save money. We've aligned ourselves with Aetna , General Electric, Entertainment Online, Restaurant-dot-com, Legal Club of America, and other powerhouse companies to provide the best savings benefits and combined them with a 'Retire Early Plan' that anyone can use to make a significant monthly income."
The savings benefits of the Savings Highway alone are worth the membership, and they are vast. They include everything from pre-paid legal services to a very affordable dental plan. You'll save money on groceries and dining out, on entertainment and even on your taxes. If you do nothing else, you can realize savings of $200 to $500 every single month and lower your income tax bill by as much as $6,000 a year.
But if you really want to retire early, you can use the Savings Highway as the best home-based business opportunity going today. The Retire Early Plan is simple:
*Join the Savings Highway
*Introduce two new members
*Use your membership to save money
*Help them to do the same
If you can follow such a plan, you can turn the Savings Highway opportunity into your "full time" business while making far more money than you are by working your j-o-b. Or you can use it as just one of several home-based residual income businesses that you use to create multiple streams of income and realize financial independence and abundant wealth.
Why not get on and ride the Savings Highway today? Live the life that you have dreamed of--not the one that the government dreams up for you.
ABOUT THE SAVINGS HIGHWAY
Savings Highway was established in 2006. We have combined the "best of the best" family savings programs into one easy, affordable membership, and we have added an exclusive "Retire Early" Program that Americans can plug into to make their financial dreams a reality.
CONTACT INFORMATION
Jim Roche, NJ
(908) 413-5363
http://thesavingshighway.com
Skype Id: jim.roche3
Yahoo Id: jimrochenj
MSN Id: jimrochenj
Savings Highway
1860 Barnett Shoals Rd. Suite 103 PMB 405
Athens, GA 30605
Savings Highway was established in 2006. We combined the "best of the best" family savings programs into one easy, affordable membership, and we have added an exclusive "Retire Early" Program so that Americans can make their financial dreams a reality.
(read more)

Posted by admin under Veretekk | Comments (14)

September 25, 2009

The Savings Highway, Home Based Business or Hobby? How IRS Determines Tax Savings

The Savings Highway, Home Based Business or Hobby? How IRS Determines Tax Savings

The Internal Revenue Service reminds all home based business operators to follow appropriate guidelines when determining whether an activity is a home based business or a hobby, an activity not engaged in for profit.

In order to educate taxpayers regarding their filing obligations, the IRS guidelines explain the rules for determining if The Savings Highway qualifies as a business and what limitations apply if the activity is not a business. Incorrect deduction of hobby expenses account for a portion of the overstated adjustments, deductions, exemptions and credits that add up to $30 billion per year in unpaid taxes, according to IRS estimates.

In general, taxpayers may deduct ordinary and necessary expenses for conducting a Savings Highway business. An ordinary expense is an expense that is common and accepted in the taxpayer’s trade or business. A necessary expense is one that is appropriate for the business. Generally, an activity qualifies as a business if it is carried on with the reasonable expectation of earning a profit.

Auditors are being told to use several tests to
determine if your “activity” is really a “hobby”
or a “business.” Hobbies get a few tax breaks,
but home-business owners get substantianly more!

If they can reclassify you as a hobby, the IRS gets
more of your money.

IMPORTANT: As A Savings Highway representative. One of the tests that is not well
understood, has to do with how much time you
spend on the activity.

You need to prove “Material Participation” in
your Savings Highway opportunity. Here are seven ways to prove you qualify for the tax savings:

1: If you work your business at least 500 hours
per year. Tax Savings Allowed

2. If you work your business at least 100 hours per
year AND no one else working in your business
puts in more time than you do.Tax Savings Allowed

3. The taxpayer does substantially all the work in the activity.Tax Savings Allowed

4. The activity is a significant participation activity (SPA), and the sum of SPAs in which the taxpayer works 100-500 hours exceeds 500 hours for the year.Tax Savings Allowed

5. The taxpayer materially participated in the activity in any 5 of the prior 10 years.Tax Savings Allowed

6. The activity is a personal service activity and the taxpayer materially participated in that activity in any 3 prior years.Tax Savings Allowed

7. Based on all of the facts and circumstances, the taxpayer participates in the activity on a regular, continuous, and substantial basis during such year. However, this test only applies if the taxpayer works at least 100 hours in the activity, no one else works more hours than the taxpayer in the activity, and no one else receives compensation for managing the activity.Tax Savings Allowed

In order to determine wether the Savings Highway is a qualified home based business or hobby, taxpayers should consider the following factors:

*
Does the time and effort put into the activity indicate an intention to make a profit?

*
Does the taxpayer depend on income from the activity?

*
If there are losses, are they due to circumstances beyond the taxpayer’s control or did they occur in the start-up phase of the business?

*
Has the taxpayer changed methods of operation to improve profitability?

*
Does the taxpayer or his/her advisors have the knowledge needed to carry on the activity as a successful business?

*
Has the taxpayer made a profit in similar activities in the past?

*
Does the activity make a profit in some years?

*
Can the taxpayer expect to make a profit in the future from the appreciation of assets used in the activity?

The IRS presumes that an home based business is carried on for profit if it makes a profit during at least three of the last five tax years, including the current year — at least two of the last seven years for activities that consist primarily of breeding, showing, training or racing horses.

If an activity is not for profit, losses from that activity may not be used to offset other income. An activity produces a loss when related expenses exceed income. The limit on not-for-profit losses applies to individuals, partnerships, estates, trusts, and S corporations. It does not apply to corporations other than S corporations.

Tax savings for hobby activities are claimed as itemized deductions on Schedule A (Form 1040). These deductions must be taken in the following order and only to the extent stated in each of three categories:

*
Tax savings that a taxpayer may take for personal as well as home based business activities, such as home mortgage interest and taxes, may be taken in full.

*
Tax savings that don’t result in an adjustment to basis, such as advertising, insurance premiums and wages, may be taken next, to the extent gross income for the activity is more than the deductions from the first category.

*
Tax savings that reduce the basis of property, such as depreciation and amortization, are taken last, but only to the extent gross income for the activity is more than the deductions taken in the first two categories.

As you can see from the guidelines established by the IRS qualifying as a legitimate home based business such as The Savings Highway are extremely straight forward. (Work at your business opportunity for 100 hours a year, and intend to make a profit). Turn your everyday activities (Eating and Driving) into substantial tax savings when you join the Savings Highway today.

Contact Me:

Jim Roche NJ

(908)413-5363

thesavingshighway@gmail.com

http://thesavingshighway.com

http://taxsavingshighway.com

Skype Id= jim.roche3

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September 18, 2009

The Savings Highway, Estimated Tax Savings $50,000

The Savings Highway, Estimated Tax Savings $50,000

A good majority of people fear tax season when April 15th rolls around, but I actually look forward to it and become almost excited. The reason is not because I enjoy filling out lengthly forms and paying the government large sums of money, but because it’s only during tax time that I fully realize how much tax savings my small home based business saves me every single year.Most people procrastinate by doing research and wondering whether their business idea even has a chance, but they are missing the point. They don’t realize how much tax savings can be gained by operating a small home based business even if it initially is not profitable at all. So if you are even mildly curious about pursuing a business idea, you must take action and give it a try if not for tax savings benefits alone.

Not operating a small home based business, allows the government to tax your earnings at a much higher rate. All of your earnings get taxed as ordinary income (up to 35%) before you are even allowed to spend it. With a small home based business, you get to spend your money first and only get taxed on what is left over.

The best part is that even if your business is losing money on paper, you can pass these paper losses from your business directly to lower your own taxable income! Either way, your net worth benefits whether you are profitable or not.

What Expenses Are Deductible?

The IRS code states that any “ordinary and necessary” business expenses can be deducted from your business income prior to being to taxed. For the Savings Highway business, this includes computers, office equipment, machinery, office supplies, utilities and much more. In addition, by planning your vacations around your business trips, you can save a lot by deducting travel and entertainment expenses as well. The general rule is that as long as the expense is made for business and not personal purposes, you can deduct it from your business income.

Small Business Deduction Guidelines

Naturally, the IRS has put into place many rules and regulations on what can be deducted on your tax return. Otherwise, some small home based businesses would abuse these deductions over and over again. The following is a partial small home based business tax deduction guide along with an outline of the most commonly taken small business deductions.

Keeping in mind that I’m not an accountant or a tax lawyer. The following information is only a guideline and not taken as fact. Tax codes are constantly changing and your current tax advisor must be up to date with the tax code before deducting any expenses associated with your business.

Very few expenses are “always deductible.” In most cases deductibility depends on why you incurred an expense, how you intend to use the product or service purchased, whether a purchase was exclusively for business use or partially for business use, etc

What Exactly Can You Deduct?

AUTOMOBILE USE: Your automobile can net you a deduction of 40½¢ per mile or more when used for business. That’s a tax savings of more than $2,000 if you drive your car 5,000 miles for business purposes.
Estimated Tax Savings: $2,500

VACATIONS: With the proper combination of knowledge and planning, your non-deductible “vacations” could be converted into tax savings “business trips. This deduction is worth between $2,000 to $3,000 a year for almost anyone who takes annual vacations. It’s 100% legal, but you have to follow some simple rules.
Estimated Tax Savings:$2,500

CURRENT HOUSEHOLD EXPENSES: If you use a portion of your home exclusively and regularly for business purposes, then a percentage of your rent (yes, finally renters get a tax break), utilities, homeowners or renters insurance, general maintenance and upkeep, cleaning services, and other “indirect expenses” that you are already paying for in after-tax dollars, could be converted into tax savings business expenses. This deduction alone may entitle you to deduct $4,000 to $5,000. Some restrictions do apply so make yourself aware of them.
Estimated Tax Savings:$4,500

HEALTH CARE COSTS: If you employ any family member part-time in your home-based business, and provide a formal, legally structured “Employee Benefit” called a “Self-Insured Health Cost Reimbursement Plan,” you could deduct, as a business expense, every dollar spent on any kind of health care that is not reimbursed under any insurance policy - for your entire family (which includes YOU). This tax savings is worth an average of $3,500 for the typical family of four. There are a few important steps to setting this up.
Estimated Tax Savings:$3,000

COMPUTERS, PHONES, ETC. Equipment which you purchase specifically for use in your small or home-based business, can now be fully depreciated in the year of purchase. This applies to computers, fax machines, printers, routers, scanners, digital cameras, cellular phones, office furniture and most other business equipment.
Estimated Tax Savings:$25,000

MEALS & ENTERTAINMENT: Pick up the tab for dining with or entertaining potential clients, customers, prospects or anyone else who could contribute to the success of your business, entitles you to deduct 50% of the cost. Under certian circumstances, you may also be able to include your spouse and kids, and deduct their expenses also. Do you know how to deduct the cost of your own meal without picking up the tab for the person you talked business with? These are all 100% legal deductions, IF you know and follow some simple rules.
Estimated Tax Savings:$5,000

EVEN THE “ALLOWANCE” YOU PAY YOUR KIDS! Federal Tax Court has ruled that a child as young as 7-years-old can perform meaningful services as an employee of his/her parent(s) in a home-based business. The wages you pay your children are tax deductible for you as a business expense, and the income to the minor is tax-free (up to $5,000 per child, per year). The rules are very specific, but easily followed.
Estimated Tax Savings:$7,500

What Should You Do NEXT?

Join The Savings Highway TODAY

I’m Jim Roche of NJ, Savings Highway Member. When you join the Savings Highway, I will show you how much you are probably overpaying your taxes right now by NOT having a Savings Highway business… (the answer is $5000-$6000 a year!)

And I’ll show you how you can get Uncle Sam to pay for the costs of joining and for operating your Savings Highway business!

When you find out that a Savings Highway home-business will put an extra $400-$500 a month extra cash in your pocket just from the tax savings, you should be ready to sign up for the Savings Highway for this reason alone.”

Contact Me:

Jim Roche NJ

(908)413-5363

http://thesavingshighway.com

http://taxsavingshighway.com

Skype Id= jim.roche3

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September 16, 2009

Retire Early Guaranteed Tax Savings Highway

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September 16, 2009

Tax Savings Solutions, The Savings Highway Has Them All

US Congress enacts
Home-Based Businesses Tax Savings Solutions

We are talking about tax savings laws passed by the United States Congress specifically to encourage taxpayers to actively operate a small home-based business - even on a part-time basis - with the intent to make a profit.

First, the fastest-growing business category — for several years in a row — has been Small Home Based Businesses. Maintaining continued expansion in that industry simply makes perfect sense for our national economy.

Second, unemployment puts a tremendous strain on the economy, and the leading job-growth category, again, is Small Home Based Business. Job growth = less unemployment = stronger economy.

Third, if every taxpayer had a part-time home-based business as a “fall back” or “safety net,” a signifigant layoff by a major employer would have less of an impact on the economy.

You are about to get a map to a lot of “information” i.e., small home based business tax savings that are 100% IRS-compliant, easy to qualify for, and simple to document.

Most taxpayers (and most professional tax preparers) are clueless about these small-business-friendly tax savings, for a variety of reasons:

· The media gives very little publicity to these laws,

· Small-business tax law is not part of the ciriculum in most accounting schools,

· Knowledge of small-business tax law is not tested on CPA exams,

· IRS “publications” focus mostly on what you cannot deduct, not on what you CAN.

Here’s how your business can qualify for Small Home Based Business Tax Savings…

In order to be in compliance with the IRS,” you must:

1. Be able to Prove that you Intend to make a Profit.

o Write a Business Plan

o Estimate when you expect your business to become profitable

o Continually work to improve and expand your business

2. Tend to your business on a Regular and Consistent basis

o Regular and consistent activity is much more important than the number of hours.

o As little as 41 hour, 4-to-5 days a week is sufficient for the Tax Court

o Document your business activities in a day planner with ledgible notations.

3. Maintain Accurate Records

o Document All Business Income

Deposit all business income into a Business-only checking account

Keep a running log showing, for each check received:

Date received

Amount received

Source of income (company name, etc.)

Purpose of income received (i.e., Products Sold, Commissions, Bonuses, etc.)

o Document All Business Expenses

Use a business-only checking account for all business expenses

The purpose is to keep personal funds and business funds from co-mingling.

Use one or more credit cards exclusively for business expenses

Keep from co-mingling personal and business charges

Interest and fees on business-only cards are Tax Deductible.

o Document All Your Business Activities

A Daily Record is acceptable documentation(IF it is accurate and complete)

Show regular and consistent activity(as opposed to sporadic, inconsistent activity)

In my next article I will discuss what exactly you are able to deduct to take advantage of operating a small home based business for maximum tax savings.

What Should you do Next? Join the Savings Highway today and reap the many tax saving benefits the were specifically enacted by Congress to keep the United states Economy Strong.

For more Information Contact :

Jim Roche NJ

(908) 413-5363

The Savings Highway

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