Life Insurance (though it shouldn’t be) is to this day a very controversial issue. There seems to be a lot of different types of life insurance out there, but there are really only two kinds. They are Term Insurance and Whole Life (Cash Value) Insurance. Term Insurance is pure insurance. It protects you over a certain period of time. Whole Life Insurance is insurance plus a side account known as cash value. Generally speaking, consumer reports recommend term insurance as the most economical choice and they have for some time. But still, whole life insurance is the most prevalent in today’s society. Which one should we buy?Let’s talk about the purpose of life insurance. Once we get the proper purpose of insurance down to a science, then everything else will fall into place. The purpose of life insurance is the same purpose as any other type of insurance. It is to “insure against loss of”. Car insurance is to insure your car or someone else’s car in case of an accident. So in other words, since you probably couldn’t pay for the damage yourself, insurance is in place. Home owners insurance is to insure against loss of your home or items in it. So since you probably couldn’t pay for a new house, you buy an insurance policy to cover it.Life insurance is the same way. It is to insure against loss of your life. If you had a family, it would be impossible to support them after you died, so you buy life insurance so that if something were to happen to you, your family could replace your income. Life insurance is not to make you or your descendants rich or give them a reason to kill you. Life insurance is not to help you retire (or else it would be called retirement insurance)! Life insurance is to replace your income if you die. But the wicked ones have made us believe otherwise, so that they can overcharge us and sell all kinds of other things to us to get paid.How Does Life Insurance Work?Rather than make this complicated, I will give a very simple explanation on how and what goes down in an insurance policy. As a matter of fact, it will be over simplified because we would otherwise be here all day. This is an example. Let’s say that you are 31 years old. A typical term insurance policy for 20 years for $200,000 would be about $20/month. Now… if you wanted to buy a whole life insurance policy for $200,000 you might pay $100/month for it. So instead of charging you $20 (which is the true cost) you will be overcharged by $80, which will then be put into a savings account.Now, this $80 will continue to accumulate in a separate account for you. Typically speaking, if you want to get some of YOUR money out of the account, you can then BORROW IT from the account and pay it back with interest. Now… let’s say you were to take $80 dollars a month and give it to your bank. If you went to withdraw the money from your bank account and they told you that you had to BORROW your own money from them and pay it back with interest, you would probably go clean upside somebody’s head. But somehow, when it comes to insurance, this is okayThis stems from the fact that most people don’t realize that they are borrowing their own money. The “agent” (of the insurance Matrix) rarely will explain it that way. You see, one of the ways that companies get rich, is by getting people to pay them, and then turn around and borrow their own money back and pay more interest! Home equity loans are another example of this, but that is a whole different sermon.Deal or No DealLet us stick with the previous illustration. Let us say the one thousand 31 year olds ( all in good health) bought the aforementioned term policy (20 years, $200,000 dollars at $20/month). If these people were paying $20/month, that is $240 per year. If you take that and multiply it over the 20 year term then you will have $4800. So each individual will pay $4800 over the life of the term. Since one thousand individuals bought the policy, they will end up paying 4.8 million in premiums to the company. The insurance company has already calculated that around 20 people with good health (between the ages of 31 and 51) will die. So if 20 people pass away, then the company will have to pay out 20 x $200,000 or $4,000,000. So, if the company pays out $4,000,000 and takes in $4,800,000 it will then make a $800,000 profit.This is of course OVER simplifying because a lot of people will cancel the policy (which will also bring down the number of death claims paid), and some of those premiums can be used to accumulate interest, but you can get a general idea of how things work.On the other hand, let’s look at whole life insurance. Let us say the one thousand 31 year olds (all in good health) bought the aforementioned whole life policy ($200,000 dollars at $100/month). These people are paying $100/month. That is $1200 per year. If the average person’s lifespan (in good health people) goes to 75, then on average, the people will pay 44 years worth of premiums. If you take that and multiply it by $1200 you will get $52,800. So each individual will pay $52,800 over the life of the policy. Since one thousand individuals bought the policy, they will end up paying 52.8 million in premiums to the company. If you buy a whole life policy, the insurance company has already calculated the probability that you will die. What is that probability? 100%, because it is a whole life (till death do us part) insurance policy! This means that if everyone kept their policies, the insurance company would have to pay out 1000 x $200,000 = $2,000,000,000) That’s right, two billion dollars!Ladies and gentleman, how can a company afford to pay out two billion dollars knowing that it will only take in 52.8 million? Now just like in the previous example, this is an oversimplification as policies will lapse. As a matter of fact, MOST whole life policies do lapse because people can’t afford them, I hope you see my point. Let’s take the individual. A 31 year old male bought a policy in which he is suppose to pay in $52,800 and get $200,000 back? There no such thing as a free lunch. The company somehow has to weasel $147,200 out of him, JUST TO BREAK EVEN on this policy! Not to mention, pay the agents (who get paid much higher commissions on whole life policies), underwriters, insurance fees, advertising fees, 30 story buildings… etc, etc.This doesn’t even take into account these variable life and universal life policies that claim to be so good for your retirement. So you are going to pay $52,800 into a policy and this policy will make you rich, AND pay you the $200,000 death benefit, AND pay the agents, staff and fees? This has to be a rip off.Well, how could they rip you off? Maybe for the first five years of the policy, no cash value will accumulate (you may want to check your policy). Maybe it’s misrepresenting the value of the return (this is easy if the customer is not knowledgeable on exactly how investments work). Also, if you read my article on the Rule of 72 you can clearly see that giving your money to someone else to invest can lose you millions! You see, you may pay in $52,800 but that doesn’t take into account how much money you LOSE by not investing it yourself! This is regardless of how well your agent may tell you the company will invest your money! Plain and simple, they have to get over on you somehow or they would go out of business!How long do you need life insurance?Let me explain what is called The Theory of Decreasing Responsibility, and maybe we can answer this question. Let’s say that you and your spouse just got married and have a child. Like most people, when they are young they are also crazy, so they go out and buy a new car and a new house. Now, here you are with a young child and debt up to the neck! In this particular case, if one of you were to pass away, the loss of income would be devastating to the other spouse and the child. This is the case for life insurance. BUT, this is what happens. You and your spouse begin to pay off that debt. Your child gets older and less dependent on you. You start to build up your assets. Keep in mind that I am talking about REAL assets, not fake or phantom assets like equity in a home (which is just a fixed interest rate credit card)In the end, the situation is like this. The child is out of the house and no longer dependent on you. You don’t have any debt. You have enough money to live off of, and pay for your funeral (which now costs thousands of dollars because the DEATH INDUSTRY has found new ways to make money by having people spend more honor and money on a person after they die then they did while that person was alive). So… at this point, what do you need insurance for? Exactly… absolutely nothing! So why would you buy Whole Life (a.k.a. DEATH) Insurance? The idea of a 179 year old person with grown children who don’t depend on him/her still paying insurance premiums is asinine to say the least.As a matter of fact, the need for life insurance could be greatly decreased and quickly eliminated, if one would learn not to accumulate liabilities, and quickly accumulate wealth first. But I realize that this is almost impossible for most people in this materialistic, Middle Classed matrixed society. But anyway, let’s take it a step further.Confused Insurance PoliciesThis next statement is very obvious, but very profound. Living and dying are exact opposites of each other. Why do I say this? The purpose of investing is to accumulate enough money in case you live to retire. The purpose of buying insurance is to protect your family and loved ones if you die before you can retire. These are two diametrically opposed actions! So, if an “agent” waltzes into your home selling you a whole life insurance policy and telling you that it can insure your life AND it can help you retire, your Red Pill Question should be this:”If this plan will help me retire securely, why will I always need insurance? And on the other hand, if I will be broke enough later on in life that I will still need insurance, then how is this a good retirement plan?”Now if you ask an insurance agent those questions, she/he may become confused. This of course comes from selling confused policies that do two opposites at once.Norman Dacey said it best in the book “What’s Wrong With Your Life Insurance”"No one could ever quarrel with the idea of providing protection for one’s family while at the same time accumulating a fund for some such purpose as education or retirement. But if you try to do both of these jobs through the medium of one insurance policy, it is inevitable that both jobs will be done badly.”So you see, even though there are a lot of new variations of whole life, like variable life and universal life, with various bells and whistles (claiming to be better than the original, typical whole life policies), the Red Pill Question must always be asked! If you are going to buy insurance, then buy insurance! If you are going to invest, then invest. It’s that simple. Don’t let an insurance agent trick you into buying a whole life policy based on the assumption that you are too incompetent and undisciplined to invest your own money.If you are afraid to invest your money because you don’t know how, then educate yourself! It may take some time, but it is better than giving your money to somebody else so they can invest it for you (and get rich with it). How can a company be profitable when it takes the money from it’s customers, invests it, and turns around and gives it’s customers all of the profits?And don’t fall for the old “What if the term runs out and you can’t get re-insured trick”. Listen, there are a lot of term policies out there that are guaranteed renewable until an old age (75-100). Yes, the price is a lot higher, but you must realize that if you buy a whole life policy, you will have been duped out of even more money by the time you get to that point (if that even happens). This is also yet another reason to be smart with your money. Don’t buy confused policies.How much should you buy?I normally recommend 8-10 times your yearly income as a good face amount for your insurance. Why so high? Here is the reason. Let’s say that you make $50,000 per year. If you were to pass away, your family could take $500,000 (10 times $50,000) and put it into a fund that pays 10 percent (which will give them $40,000 per year) and not touch the principle. So what you have done is replaced your income.This is another reason why Whole Life insurance is bad. It is impossible to afford the amount of insurance you need trying to buy super high priced policies. Term insurance is much cheaper. To add to this, don’t let high face values scare you. If you have a lot of liabilities and you are worried about your family, it is much better to be underinsured than to have no insurance at all. Buy what you can manage. Don’t get sold what you can’t manage.

Tangible, in-demand products sell well in any economy, and this fact of business may have drawn you to the realm of network marketing. If it has, or even if you’re entertaining the idea for some other reason, you would do very well to educate yourself about the market before attempting to start your business. Read this article for some great MLM tips.When you’ve completed your initial website, ask someone you know who knows nothing about network marketing to look at it. Have them use a critical eye when reviewing everything, and then find out if they would sign up through you if the website is all they had known about you.When you set your network marketing goals, look at the big picture. Consider how your marketing will affect your business in the longer term. Take careful stock of how your current marketing strategies will influence your business in three to five years. If the picture is not what you have in mind, make appropriate changes now.Avoid wasting your time. While working on the internet, it is very easy to become side-tracked. How many times have you found yourself reading everyone’s statuses on Facebook when your original plan was to post a quick update? Work with a schedule and make efforts to stay focused on your work.In network marketing, when people ask a question, you should provide the information they’re looking for. If you keep an index of topical information, people will see your website as a resource and continue to return time and time again. Keep your content fresh, useful, and plentiful, and you’ll see a great rise in visitors.Don’t be afraid to ask for help if you need it. If you see other successful network marketers, ask them what they are doing to be so successful. Most networkers are not adverse to sharing their secrets, so long as long you are marketing a different product and won’t be honing in on their market share.One way to get bigger pools of potential recruits for your network marketing efforts is to encourage recruits to start thinking in terms of “friends of friends.” If your recruit provides you with a potential recruit, ask them who that person knows who might be suited to the program. Exploring wider circles this way can exponentially expand your recruiting pool.When you have a career doing network marketing, you need to make sure that you are spending your time wisely. Taking a lot of time to check your emails or Facebook is not really going to get you anywhere in terms of making more money. Make sure you know the sales of your company product, and how your sponsors are doing, then you can spend some time doing the things first mentioned.A great tip that can help you become successful at network marketing is to devote a lot of time and effort to your customers. Try to make a connection with each and every one of your customers. A great way to do this is by checking up with them after they make a purchase.Not everyone who joins your network marketing team will actually be a part of your downline. You can have what I call “horizontal hires”, people who you will pay for their services as they help you. The best way to use this is with a finders fee – a single payment that you set out when you make your agreement which they receive when finding someone who is interested in your offer.TwitterIn order to succeed at network marketing you need to focus on income producing activities and make sure that you spend your work time wisely. When working on your computer, do not waste all of your time logged onto Facebook or checking emails. Spend the majority of your online work time marketing, sponsoring people and selling your company’s products.A great tip that can help you become more successful at network marketing is to be aware of how much time you spend on social networking sites. Twitter and Facebook can be great resources when it comes to networking, but just make sure you aren’t wasting too much of your time on them.Don’t stick with what you already know and think that will be enough. If you want to be a successful network marketer, you need to have many skills that will advance your career. Know how to use Facebook and Twitter to help market. Learn how to write a successful blog. Always try and learn something new.FacebookUse the power of social media sites in today’s world to help you with your network marketing business. Network marketing is a business of today, and today is revealed through the internet and media. The two biggest things in today’s world are Facebook and Google. Optimize your search results on Google, and market your business and products on Facebook.Avoid wasting your time. While working on the internet, it is very easy to become side-tracked. How many times have you found yourself reading everyone’s statuses on Facebook when your original plan was to post a quick update? Work with a schedule and make efforts to stay focused on your work.When you have a career doing network marketing, you need to make sure that you are spending your time wisely. Taking a lot of time to check your emails or Facebook is not really going to get you anywhere in terms of making more money. Make sure you know the sales of your company product, and how your sponsors are doing, then you can spend some time doing the things first mentioned.In order to succeed at network marketing you need to focus on income producing activities and make sure that you spend your work time wisely. When working on your computer, do not waste all of your time logged onto Facebook or checking emails. Spend the majority of your online work time marketing, sponsoring people and selling your company’s products.A great tip that can help you become more successful at network marketing is to be aware of how much time you spend on social networking sites. Twitter and Facebook can be great resources when it comes to networking, but just make sure you aren’t wasting too much of your time on them.Use the power of social media sites in today’s world to help you with your network marketing business. Network marketing is a business of today, and today is revealed through the internet and media. The two biggest things in today’s world are Facebook and Google. Optimize your search results on Google, and market your business and products on Facebook.When you are involved in network marketing, it can be very easy to lose track of time by maintaining your network instead of expanding it. You can find yourself checking e-mails, logging on Facebook, and other activities that can be considered work but do not necessarily improve your income. Be aware of this and make sure that you dedicate at least a few hours each day strictly to expanding your network or finding customers.Don’t forget about social media when it comes to network marketing! Tweets get retweeted, and Facebook posts can be shared. Have your blog write on both sites when you post to your blog, and make sure to add other tidbits of information throughout the day to keep your followers interested. Link to articles that match the topic of your website, or mention positive achievements you’ve made recently.Don’t forget about social media when it comes to network marketing! Tweets get retweeted, and Facebook posts can be shared. Have your blog write on both sites when you post to your blog, and make sure to add other tidbits of information throughout the day to keep your followers interested. Link to articles that match the topic of your website, or mention positive achievements you’ve made recently.Don’t stick with what you already know and think that will be enough. If you want to be a successful network marketer, you need to have many skills that will advance your career. Know how to use Facebook and Twitter to help market. Learn how to write a successful blog. Always try and learn something new.Up top, you read about how popular products will sell well anytime. Throughout this article, you read some great tips on how to do your selling and how to pitch your products in order to build your team. Understand that there is a demand out there. You just need to educate yourself on how to become the supplier. Hopefully this article just helped with that.

This article is a subjective list of the ten most influential Internet marketers. I could have easily included more than ten marketers, but I had to draw the line somewhere. So, if you don’t see your favorite Internet marketer on the list, please don’t be offended. I purposely excluded individuals whom are known primarily for one particular talent.For example: copywriting and SEO. I wanted to sing the praises of those individuals whom are known as great marketers – first and foremost. And while this list is subjective, it would be extremely difficult for anyone to argue against any of the selections included on the list, as they are all proven excellent and have stood the proverbial test of time.1. Jay Abraham’s uncanny ability to increase business income, wealth and success by uncovering hidden assets, overlooked opportunities and undervalued possibilities has captured the attention and respect of CEOs, best-selling authors, entrepreneurs and marketing experts. Jay’s clients range from business royalty to small business owners. But they all have one thing in common – virtually all have profited greatly from Jay’s expertise. A number of clients each acknowledge that Jay’s efforts and ideas have lead to a profit increase of millions of dollars. [See our Testimonial pages]Jay has identified the patterns that limit and restrict business growth. He’ s one of only a very few people who realize that most industries only know and use one particular marketing approach – even though there may be dozens of more effective and profitable strategies and options available to them.Jay shows his clients how to take different success concepts from different industries and adopt them to their specific business. This gives Jay’s clients a powerful advantage over their competition.Jay has been acknowledged as a unique and distinctive authority in the field of business performance enhancement – and the maximizing and multiplying of business assets. He’s been featured twice in Investors Business Daily ­ both on the front page and in the Leaders & Success Section – saying Jay, “Knows how to maximize results with minimum effort”. The March 6, 2000 issue of Forbes Magazine listed Jay as one of the top 5 executive coaches in the country saying jay’s specialty is, “Turning corporate underperformers into marketing and sales whizzes.”In addition, Jay has been written up in USA Today, New York Times, Los Angeles Times, Washington Post, San Francisco Chronicle, OTC Stock Journal, National Underwriter, Entrepreneur, Success, and Inc. magazine, and many others. [See our Press articles]He has over 10,000 individual business success stories from around the world. Many of the world’s preeminent trainers and consultants have sought out Jay’s advice and counsel in growing their organizations.As a proven business leader with energy and vision, Jay has demonstrated the critical ability to stimulate true breakthrough thinking and execution throughout organizations, in all 4 vital areas of performance enhancement: strategy, innovation, marketing, and management. He understands how to focus on the upside leverage in an organization, while effectively controlling and minimizing the downside risk. He understands the implications, correlations, applications, opportunities and vulnerabilities in a given situation from a “catscan” perspective that is exceedingly rare.He sees overlooked opportunities, hidden assets (both tangible and intangible), and underperforming areas of a business no one else recognizes. His depth and breadth of empirical experience has facilitated exceptional judgment, communication, and collaboration skills, the vitally essential traits necessary to establish, lead and effectively contribute to any organization. These are the prime abilities required to add new life and strategic vision to a company that is struggling, or one that needs to redefine or better distinguish itself in the marketplace.His forte, which is the ability to think “way outside the box” and prepare for multiple potential scenarios, has enabled him to find and successfully implement creative, preemptive solutions to very complex problems in order to generate high-performance results. He has successfully established beneficial relationships with key strategic partners and developed strategic business plans for companies that have consistently been met or exceeded. He has been instrumental in raising performance even while working with adverse business environments.As the founder and CEO of Abraham Group, Inc. in Los Angeles, California, Jay has spent the last 25 years solving problems and significantly increasing the bottom lines of over 10,000 clients in more than 400 industries worldwide. Jay has seen and dealt with every type of business you can imagine. And he’s studied and solved every kind of business question, problem, challenge and opportunityJay has been extremely successful at what he does for others. He’s produced many thousands of success stories and made Billions for others as well as millions himself. He’s spawned an entire generation of marketing consultants and experts who credit him as their primary mentor as a result of his past Protégé and Consultant Training programs. Nearly 2,000 websites reference his impressive work on the Internet alone.2. Mark Joyner is a #1 best-selling author of over a dozen books translated in almost as many languages. He is widely recognized as one of the early pioneers of e-commerce, responsible for inventing, pioneering, and popularizing many of the technologies we take for granted today (including remotely-hosted ad tracking, electronic books, Integration Marketing, and more …)- One of his books (MindControlMarketing.com) shot to #1 within 36 hours of its release.- One of his websites became the 37th most visited website on the planet within 6 weeks of its release.- His pioneering ebook (Search Engine Tactics) was downloaded over 1,000,000 times years before e-books were common.- He turned a fledgling one-man operation into a multi-million-dollar International corporation with customers in every internet-connected country on the planet in two years time.Other Interesting Facts About Mark JoynerEarned a Bachelor of Science in Psychology through independent study while simultaneously serving in the U.S. Army in the Military Intelligence Corp (he speaks Korean fluently graduating at the top of his class at the Defense Language Institute).Is a cold-war veteran of military intelligence and a former U.S. Army Officer. He held a Top Secret SCI clearance (the highest clearance level in the US) for several years.Was awarded for his military service by the U.S. Army, the Republic of Korea Army, the Korean Consulate General, and the President of the United States.3. Dan Kennedy, a Phoenix-based entrepreneur-extraordinaire has won international recognition as a “millionaire-maker,” helping people in dozens of different businesses turn their ideas into fortunesEntrepreneur Magazine says that Dan Kennedy has “at least 101 moneymaking ideas for any business owner.”Dan Kennedy moves with remarkable ease from one very different field to another, working with clients in 62 different businesses, industries and professions, earning as much as $250,000.00 in a single month providing unusual direct-response advertising and direct marketing advice, strategy, copywriting and marketing materials, video production and infomercials, and profit improvement systems.Kennedy’s clients include everything from sole entrepreneurs to huge corporations. Here are just a few examples – there’s the husband-and-wife couple who came to Dan with an idea, a mountain of debt, and failing advertising. Less than two years later, they have zero debt and a home-based mail-order business generating over $200,000.00 a month at about a 40% profit margin. Or, there’s the now-giant Guthy-Renker Corporation, famous for its celebrity infomercials with Victoria Principal and Vanna White, and its Tony Robbins infomercials. Guthy-Renker is a 200-million dollar+ a year business now, and Dan’s been a key member of their brain trust since their very first infomercial (Think And Grow Rich). Or there’s U.S. Gold, a company that has twice increased its sales by millions with Dan Kennedy provided marketing breakthroughs. And the list goes on and on and on.Kennedy is the “hidden genius” behind full-page magazine advertisements you’ve undoubtedly seen, direct-mail campaigns you’ve received and TV infomercials you’ve seen. In addition to all the advertising and direct-mail Dan prepares for his own products, services and businesses, there are hundreds of clients using marketing materials Dan has prepared for them. His full-page ads have appeared and do appear in magazines like Inc., Success, Entrepreneur, Moneymaking Opportunities, Nations Business, the airline magazines, the tabloids, USA TODAY, The Wall Street Journal, and countless trade magazines. One of his client’s full-page ads is now in its 10th consecutive month, appearing in over a dozen national magazines. In any given month, clients spend over 1/2-million dollars running ads, much more mailing sales letters, and still more airing infomercials that Dan has developed.And, Dan is one of the most popular, in-demand speakers on marketing-related topics. Ironically for a marketing guru, Kennedy gets almost all of his clients with no marketing! Some come to him after hearing him speak – in 1995, he addressed over 200,000 people, including audiences of thousands in many cities, in his 5th year on tour with famous motivationalist ZIG ZIGLAR. Others come after getting and reading one of his books available in bookstores, receiving his newsletter or listening to his cassettes. But most are referred to him.4. Joe Vitale is Founder & President of Hypnotic Marketing, Inc. He has written books for the American Marketing Association and the American Management Association. He wrote the only business book on P.T. Barnum, in There’s A Customer Born Every Minute. He also wrote The AMA Complete Guide to Small Business Advertising for the American Marketing Association. His most recent book, co-authored with Jo Han Mok, is The E-Code: 47 Secrets for Making Money Online Almost Instantly. Be on the lookout for his next book: Meet and Grow Rich!He recently created a software program to help anyone write better sales letters, articles, news releases, speeches and even entire books. It’s called Hypnotic Writing Wizard. He also has a brand-new membership program for those who are serious about learning marketing at HypnoticGold.com.Besides being one of the five top marketing specialists in the world today, and the world’s first hypnotic writer, Joe is also a certified hypnotherapist, a certified metaphysical practitioner, a certified Chi Kung healer, and an ordained minister. He also holds a doctorate degree in Metaphysical Science and another doctorate degree in Marketing.5. Dr. Jeffrey Lant has been a top achiever for a VERY long time. He published his first article at age 5. An afternoon newsboy, he started his own newspaper at age 10, sold stock and, yes, paid dividends! Even then media and communications intrigued him. This has never stopped!
Editor of his high school newspaper, editor of his class book, editor of the literary magazine, he also wrote a weekly column. That continued in college — and so did the awards accumulated along the way.Graduated with highest honors from University High School, Los Angeles, he graduated summa cum laude (one of only 11) from the University of California, Santa Barbara. Along the way, he spent his junior year at the University of St. Andrews, Scotland, where he won the University Prize in Philosophy and became the first American ever elected to the Students Representative Council.At UCSB he became the University’s first-ever Woodrow Wilson Fellow and was actively recruited by over 60 graduate schools, each offering him full doctoral fellowships. He chose Harvard, where he also became a Harvard Traveling Fellow, Harvard Teaching Fellow, and winner of a Master’s Award for special achievement, en route to graduating with both a Master’s and Ph.D.Upon graduation he took a third post-graduate degree, the Certificate of Advanced Graduate Studies in Higher Education Administration at Northeastern University, where he became the first student to cite his own published work (by now very extensive) in footnotes to his class papers.After a stint as Assistant to the President of Radcliffe College, Dr. Lant decided to set off on his own. He set up a consulting practice for non-profit organizations in 1976 and published his third book, Development Today: A Fund Raising Guide For Nonprofit Organizations. (Previous books had dealt with English Court ceremonial in the age of Queen Victoria. Entitled, Insubstantial Pageant: Ceremony and Confusion at Queen Victoria’s Court, Dr. Lant became the first American ever granted access to the Royal Archives at Windsor Castle. Another book, Our Harvard, dealt with the memories of eminent Harvard grads, including Dr. Lant himself.)Development Today launched a busy consultancy, international travel, workshops and direct assistance to hundreds of nonprofit organizations nationwide. It also spawned a series of how-to books that turned Dr. Lant into a millionaire and brought his detailed, hard-hitting, practical advice to people worldwide. (Click here for information about all of Dr. Lant’s books.)Along the way, Dr. Lant developed an internationally syndicated column carried by several hundred publications, a syndicated radio show on the Business Radio Network, and a string of special reports on specialized business- building subjects.So it might have continued but for the creation of the Internet and a series of eye-opening phone calls from George Kosch and Sandi Hunter, two Edmonton-Alberta- based entrepreneurs who were way ahead of their time. They persuaded Dr. Lant to come to Edmonton and see the future — the Internet — for himself.He did. And the rest, as they say, is history.What he saw in Edmonton, back in 1993, was that anyone, anywhere in the world with a computer and access to the Internet could transmit unlimited amounts of information to people worldwide. In a moment, the glimmer of an idea took form that is still being developed right now.This new technology opened the possibility of staying at home and helping people worldwide at little or no expense! As a result of that trip, Worldprofit Inc., a company which has opened the Internet to business people worldwide, people who want to enter and profit from new markets across the universe for their products and services, was born!These days Dr. Lant, still publishing articles just like he’s been doing for over 50 years, helps business people worldwide understand how the Internet can benefit them.6. Marlon Sanders, CEO of Higher Response Marketing, Inc. is a prolific internet marketer, with a dozen internet marketing products and services to his name. He uses his Master’s degree in psychology to great effect by writing great ad copy.Marlon’s products and services include The Amazing Formula That Sells Products Like Crazy, Push Button Sales Letters, Associate Program Marketing Handbook, Gimme My Money Now, Amazing Ad Copy Secrets Revealed, Create Your Own Products In A Flash, How to Automate Your Web Business, The Web Site Power System, Web Business Operations Manual, Secrets of Speed Publicity, The Cash Like Clockwork System, Daily Stats Software, and The Ultimate Beginner’s Guide.Marlon has spoken at over 120, $3,000 one-day marketing seminars and commands $1000 an hour for consulting. His reseller program for The Amazing Formula is one of the top-ranked systems on the Internet.7. Corey Rudl (1970-2005) was an American marketing strategist, and founder and President of the Internet Marketing Center. He was also an author, speaker, and software producer.Rudl started his first online business in 1994, turning it into a multi-million-dollar business based on Internet marketing. In response to the demand for his advice, Corey founded the Internet Marketing Center, where he taught techniques and strategies that stemmed from his own experience. His Internet marketing guide is sometimes described as the “Internet Marketing Bible”.Rudl’s articles appeared in publications such as http://Entrepreneur.com, the U.S. Small Business Administration’s -SCORE.org, the Direct Marketing Association, MarketingProfs, Opportunity World, Money ‘n’ Profits, Dig-IT Now, and Home Business Journal.Before beginning his business career, Rudl was a motocross driver, winning a 2002 Vancouver Molson Indy sports car event.On June 2nd 2005, Rudl was riding in a Porsche Carrera GT driven by Benjamin Miles Keaton, on a track that was also being used by a local Ferrari sports club. Keaton, trying to avoid a queued car, hit a concrete barrier on the passenger side, killing Rudl.8. Joe Robson, owner of “The Newbie Club” is a Brit and lives in the beautiful County of Yorkshire, England.He is responsible for the overall Promotion and Marketing of The Newbie Club, and is deeply involved with his team of Techies, Writers, and Designers on several unique and ground breaking Newbie Club Products and ServicesUntil he went online in 1998, he owned his own Direct Marketing company, and is a professional Advertising Copywriter with 30 years Sales and Marketing experience under his belt. He is widely acknowledged by many Internet Marketers as one of the Internet’s top Sales Copywriters, and his Copywriting Solutions Website is one of the most respected Web Copywriting Tutorial Websites on the Net.One of his strengths is his ability to reduce highly technical marketing copy, into easily understood Plain English. And he is a avid campaigner against the use of Jargon in writing materials. Hence the birth of The Newbie Club.His Copywriting and Internet marketing articles and Tutorials have been widely published across the Web, and he is the author of several books, including the Internet Copywriting blockbuster “Make Your Words SELL!” – MYWS – co-authored with Ken Evoy of MYSS fame.Joe is a Founding Member of iCop – The International Council of Online Professionals, the highly respected organization dedicated to protecting Internet consumers from the dishonest practices of unscrupulous Internet marketers. He is also a Member of the iCop International Advisory Council.9. Dr. Evoy is also the author of a series of widely-acclaimed “best on the Net” e-commerce books and courses for SOHOs (Small Office Home Office) and small businesses (1-10 employees) who sell (or plan to sell) products or services online. The SiteSell product line has empowered hundreds-of-thousands of people and small businesses around the world to succeed on the Web.A successful entrepreneur, Dr. Evoy has designed over 23 products that have sold internationally, generating 100′s of millions of dollars in revenues for various companies. He also developed several software products including one for the stock market sector.Dr. Ken Evoy is also a Canadian physician who formerly taught and practiced emergency medicine at McGill University in Montreal, Canada. He was born in Montreal, Canada and holds degrees in science and medicine from McGill University.Dr. Evoy’s business philosophy is to offer the absolute best tools and information available on the market in the most accessible format and at the most affordable price. He feels strongly that every small business can be empowered to use the Internet to leverage their income-building potential — whether it is to build an e-business, grow an existing offline business, or create a secondary income stream.It is with this in mind that SiteSell has developed its breakthrough Web site-building, hosting, e-marketing solution that delivers real traffic and guaranteed results to novices and savvy pros alike. Some call Site Build It! “The Next Generation of Web Hosting.”Through Dr. Evoy’s spearheading efforts and fanaticism for quality and customer “OVERdelivery,” the SiteSell brand is highly-respected by top influential Internet business personalities around the world.10. Mel Strocen is CEO of the Jayde Online Network of websites. The Jayde Network currently consists of 12 websites, including ExactSeek.com and SiteProNews.com, two of the most popular sites on the Internet.”SiteProNews” an ezine for business owners and site developers containing articles and advice on how to get the most from your website. SiteProNews (SPN) has a subscriber base of over 500,000!”Another of Mel’s sites – GoArticles – is an immensely popular article directory where you can search for free content for your website.In addition to providing a great resource for webmasters looking to find free content the GoArticles site also provides authors with an excellent platform for promoting their articles. You can submit articles for free that will then be read and used by other websites owners.ExactSeek is a fast-growing search engine and directory and alternative advertising platform that receives over 30,000 new submissions daily.

US President Obama has just recently passed the divisive shifts to the nation’s healthcare policies. The bill allows for the health insurance coverage of around thirty million citizens not benefiting from the deficiency in proper medical care. Historically, Obama is the first American president to have comprehensively renewed the country’s healthcare system. The clinical and pharmacy businesses, in turn, will have to do big adjustments in line with the nation’s healthcare policies, which are following the model of European nations like the UK. Over 16 million citizens will be included in Medicaid’s policies. This covers low- to middle-income-earning citizens. Private insurance companies are banned from refusing medical care for pre-existing conditions such as heart or bone problems.The reform has been anticipated to have an overall uplifting change on the pharmacy businesses. The bill grants complete insurance plans to an added number of US citizens. In terms of pharmacy industry matters, the bill gives pharmacist-provided medication therapy management (MTM) services. It also has a loan forgiveness agenda. On the downside, the Medicare reimbursement to pharmacies is still unclear. It will take several years for businesses to smoothen out these details.Since the US is using Europe’s healthcare model, American pharmacies will have to change their buying systems as well. The demand to change their market will majorly influence the companies involved in driving the national medical economy. With the greater insurance plan, pharmacies will benefit from more customers hitting their stores to buy medicines. They’re no longer restricted by the unemployment or the severity of their condition. The challenge for pharmacies will arise from the deficiency in major choice makers, according to Chris Weight, co-author of the book “Drivers of Change to Pharmaceutical Commercial Models.” They’ll have to advertise their medicines to a larger organizations: Medicaid and Medicare. Pharmacy ratings will ultimately depend on these government payers. In the United Kingdom, pharmaceutical executives market their items to public healthcare payers instead of an individual and specific market. Instead of marketing the medicines at a profitable value, the drugs are sold at the lowest possible price. This will be a major shift for many community drug stores, which supply both generic and branded medications. it’s important for local American pharmacies to consult with European companies about their buying and marketing methods.Pharmacy benefit managers will be boosted from the extended drug coverage given by Medicare, due to this policy. Expect additional medicine benefits part of your company’s medical insurance coverage. Your plan, though, can only be directed by where you work. Anticipate some limitations and added advantages together.Online pharmacies will have fewer adjustments as compared to local drug stores. They presently sell at low and practical costs to customers under a tight and tiny budget. Most online pharmacies supply generics as an alternative to the more expensive brand name medicines. These businesses need to be careful as the bill provides a 75 percent discount to generic and brand name. Nevertheless, because these online pharmacies supply a private market, they’ll have to redirect marketing to public health payers and suppliers. It is obviously a total change for an Internet business. Nonetheless, pharmaceutical websites can continue to profit from persons who favor to obtain their drugs from private suppliers. Online pharmacies continue to be a convenience for individuals who stay in far off areas or require large amounts of drugs. Individuals who’ll be enjoying the prolonged clinical plan should talk about their options with their local or online pharmacy. Buyers loyal to online pharmacies can save more cash by using the insurance plan.

Nutrition is a complex and fast developing science. Nutrition is the science that deals with all the various factors of which food is composed and the way in which proper nourishment is brought about. Nutrition is part of every family’s health responsibility. Nutrition is the process by which we take in and use food and supplements for health, growth, and energy.NutritionThe national obsession with healthy eating (or at least talking about healthy eating) is translating into a booming business for the companies that restaurants and food processors turn to for performing nutritional analyses of their products.Nutritional management, in the form of a meal plan designed especially for you, will help you to maintain blood glucose levels as close to normal as possible, and maintain or lose weight. Nutritional therapists are increasingly playing a prominent role in helping individuals with their wellbeing. Nutritional therapists call on the latest developments in nutritional thinking and technology to achieve this. And optimal nutritional status is a prerequisite for optimal health. Against a poor nutritional background even exercise can be a stressor, depleting minerals, B vitamins and antioxidants that are not being replacedBody & AgeAfter age fifty there are many metabolic and physiological changes which impact on the nutritional needs of an individual. There are a wide range of reasons why older individuals might not be eating the most nutritious diet which is all the more reason why health professionals and care providers need to be constantly aware of the necessity for maintaining an optimal nutritional health status in the elderly. Nutrition advise for older adults should be designed to respond to the changing physiological, psychological, social and economic capabilities of the individual while assuring that the overall nutritional needs are met with the freedom to keep meals and eating an important aspect to the quality of life during the later years.