Tag Archives: Ebooks

Life Insurance Personal Use Ebook

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Introduction

We buy car insurance on the possibility of getting into an accident. We buy homeowner’s insurance on the possibility of fire or flood. But these are not certainties. You might never be in an accident or see your house catch fire.

But the one area where most of us fall short is life insurance. Yet death is the one thing that is inevitable, albeit hopefully many years in the future. Now is the time to plan for it.

While most Americans agree that life insurance is a good idea, the majority of them never get around to buying it. Why? In short, because they’re intimidated, if not confused outright by the entire process. There are several options available, and while this may seem daunting at first glance, the options are available to provide you with the correct insurance for your needs.

In this book, we’ll take a look at the various options, discuss your needs, and go over some general tips and tricks for making your life insurance purchase. Choosing a policy is an opportunity to try your hand at predicting the future. You’re not only going to need to keep in mind your current state – which includes your physical health, your financial health, and your family’s requirements. But you’re also going to have to make a guess at what these factors might look like in 5 years or 10 or even further into the future from there. And while life insurance can be a great idea for some, it might not suit everyone. Types of policies vary as much as the people that need them.

Thankfully you don’t have to go it alone. When in doubt you can always ask your agent. They know their way around policies and riders and will help you choose the course best suited to you and your needs. But be sure to do your research first. Having as much information as possible will help you to know the right questions to ask, thereby giving you that extra advantage as you set off to discover what insurance is right for you.

Types of Life Insurance

When you first set out to explore the idea of buying life insurance, it’s very easy to become confused. There seems to be unlimited options and finding the policy that’s best for you feels something like a scavenger hunt, especially where there are so many options that can be tacked on for added benefit to the survivors.

Your best defence is to understand what you’re getting into. That starts with understanding the terminology of the various types of policies. Taken to the bare minimum, there really are only three kinds of life insurance. These are term, whole, and variable. Out of these come others, with a few variations tacked on for special needs.

Let’s take a look at ten of these. See what works for you and discover how you can leverage these policies to suit your needs.

Term life

Term life insurance is exactly as it sounds. It’s purchased for a specified length of time or term. Term life is the most basic of life insurance policies that pays out upon death. There is no cash value build up as with some other policy types. This isn’t a savings or investment account. It pays a benefit upon death, and little more.

Because it has no cash accumulation, term life is almost always a much less expensive choice compared to other life insurance policies. Monthly premiums are low, and typically, the amount of coverage doesn’t change. Term life insurance is typically sold in five-year increments. It’s tailored to a younger group who are seen to be generally in good health. The thing to keep in mind is that once you reach the end of the term, you will need to re-qualify for a new policy, and the rates will reflect your current age and health at that time.

Assuming you are a healthy, young purchaser, term life insurance is meant to cover basic needs at the time of payout, largely covering final expenses and filling in gaps while survivors have a chance to adapt to a new way of life and a change in income.

However, term life has other, hidden benefits. Sometimes a no examination policy is available, and term life insurance can be purchased for “high risk” cases and for people in poor health. Life insurance for smokers, for example, is usually at a higher premium and often harder to find.

Also, if you have a 30-year mortgage on the house, perhaps a 30-year term policy is the best way for you to consider. The benefit would expire at the same time as the loan. In the meantime, your family is covered for the balance of the mortgage payment should you pass away. There are other types of term life insurance as well.

• Increasing and Decreasing Term Life Insurance

In the example above, a term life insurance policy is purchased to provide coverage for a mortgage in the event of someone’s death. Paying a mortgage means paying on the principal, which lowers the amount borrowed. In essence, what you owe for a home at the time of purchase will not be what you owe in five years or ten. If the reason you’re wanting term life insurance is to cover the mortgage payments for your heirs so that they don’t have to worry about moving should something happen to you, then your payout amount can be reduced as the amount needed to pay the loan decreases. Although the monthly premiums will not change, the decreasing benefit might involve a smaller outlay of cash at the beginning of the policy. A decreasing term life insurance will provide the coverage you need when you need it.

Increasing term life insurance, as the name suggests, will increase the payout amount over time. For example, if a young parent has a child, the financial needs of that child will increase over time. A policy for that will support that child in the case of a parent’s death will need to increase over time to cover the child’s needs. In this case, perhaps a 20-year term life insurance policy might be the way to proceed.

• Renewable Term

Term life insurance is set for a certain amount of time, thus the name “term.” When that time runs out, the insured must create a new policy, then qualify for the new policy, and pay whatever initial costs are necessary to create a brand-new policy.

With a renewable term life insurance, the insured is able to get a new policy at the end of the term life. Typically, this is done without re-qualifying and does not require the initial life insurance start-up fees.

Monthly premiums will increase due to the insured’s advancing age and possible health complications, but a guaranteed renewal means that you cannot be refused a policy.

• Convertible Term Life Insurance

A convertible term life insurance will allow you to change from a term life insurance to a permanent, or whole, life insurance policy at a later date. This brings the benefit of lower payments up front for term life but allows you to change over when your needs change. As long as payments have been kept current, there’s no further need for physical examinations or new quotes. It’s much like a renewable term life insurance policy, allowing the insured to move to a permanent insurance type.

• Modified Term Life Insurance

Much like it sounds, a modified term life insurance policy allows for flexibility. Decreasing death benefits, increasing premium amounts over time, this type of term insurance can be altered to suit your needs currently and in the future.

• Re-entry term life insurance

When purchasing term life, insurance carriers charge less because they have screened the applicant and found him/her to be in good health. What began to happen is that over the length of the term, say five years, people who remained in good health dropped their policies and those who had failing health held on to theirs. In the 1970s insurance companies offset the trend by offering Reentry term life insurance. If the insured continues to demonstrate insurability and general good health, renewal premiums based on lower mortality charges are comparable to newly issued term policies.

Top Affiliate Tactics PLR Ebook

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Top Affiliate Tactics: Introduction

Hi and welcome to Top Affiliate Tactics, where you will discover over 8 powerful methods you can use to offer a boost to your affiliate commissions from selling other people’s products and services.

This guide discusses some of the methods you’ve probably not heard of, whereas other methods you’ve thought would never work. In a real essence, it’s really only a matter of doing it right and you can make a living off affiliate marketing.

Which is really fascinating, because you can earn big commissions just promoting products you DON’T even have to create!

Of course, like everything else in life, it takes multiple practices to reach the top level. But I assure you that through the coming pages, I can help you reduce your learning curve significantly and you will make less guesswork… and mistakes!

I have written this book as short and precise as possible. Because I know you’re a very busy individual (and it takes no guess), and above all, I also know that you’re excited and that you can hardly wait.

Without further ado, let’s quickly cover the first of the 8 methods you can use in boosting your affiliate promotion… and the commissions!

Using Classified Ads

The process of using classified ads to generate sales for any product – whether it be an original product or an affiliate product – is often over-simplified and discouraged. This is, in part, because it actually is one of the harder ways in which you can advertise.

It requires you to use a small amount of words to communicate an important point, which will either make or break your ability to garner interest in the product in question. In most cases, supposed experts will discourage you from using classified ads because they themselves have never had much luck using them – NOT because classified ads aren't a viable method of advertising.

So how can you use classified ads correctly to generate a considerable amount of traffic to your affiliate product sales page?

The first step entails finding viable places to advertise. Again, many of the so-called experts will jump in and either tell you to use free sites or that free sites never work. The truth here, too, is somewhat in between: free sites can work, but you must use them carefully. For instance, if you want to generate traffic from sites that allow you to post free classifieds, you will have to find ones that actually receive traffic themselves.

One example of a site that receives a massive amount of traffic, but also allows you to post classified ads for free is craigslist, which you can find at the following URL: https://www.craigslist.com

As long as you post classified ads in the proper section, you can do it completely free of charge. Additionally, you can do this on each of the craigslist sites for the metropolitan areas in the United States.

Another place you can post free classified ads is Yahoo. You can find this feature at the following URL: https://classifieds.yahoo.com/.

Again, as long as its on topic, you can post a classified at for whatever you want.

Now, with this in mind, you will want to consider the best way in which you can construct your classified ad. I personally suggest creating a headline or first line that uses psychological triggers.

Remember! With classifieds, you're not paying by the click. It's either free or you're paying for a certain period of time or impressions, so your goal should be to generate as many clicks as possible, so use words like “cheap,” “free,” “proven,” and “shocking” to draw attention to your ad.

Once you have successfully drawn attention to your ad through the headline, you will then want to seal the deal by providing viewers with a reason to click through, provided that your affiliate product is something they will want to buy. You can do this by explicitly stating a quantifiable benefit in the second line of the classified ad – and then stating a crucial feature in the third line.

Once you have gained some experience posting ads on free classified ad mediums, you will want to move on to major electronic publications, including large e-zines and authority sites; however, before you do this, you could be confident in the classified ad and your conversion rate.

Leveraging with E-zine Advertising

Warning! If you're ever bored and want to stir up some trouble, go to an Internet marketing forum and post a question asking how well E-zine advertising fares in comparison to other marketing methods.

The answers you get are likely to be diametrically opposed. This is not only because each marketer has his own product to sell – and it is in his best interest to justify the purpose of that product – but it is also because there has been a genuine debate raging for the past few years about the effectiveness and direction of E-zines and E-zine advertising.

Extreme Branding PLR Ebook

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Introduction

Chances are, you’ve already heard about the importance of building a trusted and unique brand.

Words like “brand awareness” and “brand recognition” are often tossed around, and are synonymous with achieving success and gaining a strong foothold in your market, especially when there are thousands of other businesses competing for your customer’s attention.

You already know you need to establish a brand that is all your own, yet few people tell you exactly how to get started.

That’s what this special report is all about. It’s been written so that by the time you reach the end of the guide, you’ll know exactly how to create a brand that positions you as an authority in your niche and is instantly recognizable within your market.

So without further delay, let’s get started!

Defining Your Brand Message

When it comes to maximizing your income, and establishing a strong foothold within your market, you absolutely need to build a unique and recognized brand that aligns with a clear and direct brand message.

Your brand message explains to potential customers what you have to offer, and how committed you are to providing quality and value.

But here’s the thing: you aren’t the one who defines your brand message – your customers do!

It’s your job to lay the groundwork as to what you want people to know about your business and then work towards supporting that identity through demonstrating knowledge, skills and capabilities to deliver what was promised.

However, your customers will be the ones who decide what your overall brand image is based on their interactions with your business.

A well-defined, strategic brand message can build instant credibility in your niche, while helping you gain authority in your market and shape how customers perceive your business. It’s quite often the key difference between a well-structured online presence, and a faltering business that is struggling to connect with its audience.

So, how can you build a recognized brand that provides a clear message that resonates with your market?

Start by thinking about your target audience and what is most important to them. Once you’ve evaluated your niche, you will be able to position yourself so that you are directly addressing their most burning questions, concerns and needs.

To do this, you need to gather as much intel on your market as possible, which you can do easily just by looking at the competition.

What are other business owners and product developers offering your audience? What kind of products and services are they successfully selling?

Take things to social media and begin by evaluating social signals – which are clear indicators as to what is currently in demand, popular and selling well. The higher level of interaction, the more advertising dollars spent, and the more engagement; the better.

Knowing how to develop a strategic brand message begins by recognizing what is already successful and improving on it within your own business.

You want to become the go-to person in your niche market, the obvious choice when customers are considering who to turn to when making their purchasing decisions.

When you work towards building an unwavering presence in your market, starting with a strong foundation of trust, you’ll immediately eliminate the barriers standing in the way of you connecting with your target audience.

To do that, you need to learn as much about them as possible so that you can build a brand around what is most likely to capture their attention.

You’ll also be able to lower the barrier of resistance, and leave a lasting impression in their minds. When you do that, they’ll come back to you time and time again.

And how do you do begin? It starts with what is called a U.S.P. Let me explain more in the next chapter.

What U.S.P Really Means

Let me get right down to it. USP stands for unique selling proposition (or unique selling point), and it is critical that you establish what yours will be right from the start.

Contrary to popular belief, a USP has nothing to do with logos, slogans or graphic design.

Sure, those are components of your overall brand that help people identify your products and recognize you, however, a USP is far more important than that when it comes to building your customer base, and breaking through the barriers of resistance that most businesses experience when they first appear in their market.

A USP is what truly tells potential customers how you are different from the competition. It helps to align your goals with your customer’s. Your USP tells them that you can be trusted, that you have their best interests at heart, and that you fulfill all promises. And most importantly, a USP ensures you aren’t a faceless brand.

This would include key factors that differentiate a product or service from its competition, such as the lowest price, an extended, no-risk guarantee, a unique or exclusive product or offer not found anywhere else, or the first-ever product of its kind.

Your USP should also demonstrate your dedication to satisfying customers, and provide reassurance that you stand by your products, and that there is no risk to your customer when doing business with you.

To start, think about what your product or service has that the competition doesn’t.

Consider ways you can highlight those differences and emphasize the benefits. Paint a clear picture as to why a prospect is making a wiser, sound decision to purchase your product instead of someone else’s.

Your USP is the driving force behind clearly illustrating value and giving potential customers a reason to purchase from you rather than the competition. That’s its one and only job.

Profit Funnels PLR Ebook

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Introduction

Have you been wondering exactly how so many successful marketers are able to create incredibly profitable sales funnels that generate thousands of dollars with every launch?

The reality is, if you want to maximize your income so you can squeeze every possible dollar from your product launches, you absolutely need to master the art of creating high-converting sales funnels.

And here’s a fun fact: it’s easier than you may think.

This special report was written to provide you with a step-by-step quick start blueprint to creating outstanding sales funnels that not only maximize your profits but are aimed at keeping the money rolling in long after your initial launch phase is over.

Because a well-constructed sales funnel that’s based on proven techniques can take a simple product launch and retain the momentum weeks, even months after the launch.

Are you ready to learn the insider strategies to creating turbo-charged sales funnels that maximize your income?

If so, let’s begin!

Overview of a Successful Funnel

A sales funnel moves leads through a sales process until they make a final purchase.

It introduces people to your brand who may not already be familiar with it and puts you in a position of connecting with your target audience.

It also amplifies a typical marketing strategy so that you’re able to maximize profits and build your tribe. And it extends the life of a product launch.

The key is to create a sales funnel that makes sense to your target audience. Don’t overlook the importance of this because not every niche or industry responds the same way to a sales funnel. It’s not a one-size-fits-all approach!

To begin, you’ll want to spend some time analyzing successful sales funnel in your market. Pay close attention to the price points that you’re introduced to along the way.

What kind of upsells do they offer?

How do they move you from one offer to the next?

Take notes of everything you come across because this information will be helpful to you when you begin constructing your own funnel.

A sales funnel also helps to qualify traffic. It separates the action-takers from the tire-kickers. It works to create awareness of your brand, and to test out different price strategies to find the sweet spot.

In other words, it serves multiple purposes beyond the profitability of the offer itself.

Your sale funnel’s objective is to move traffic, and then convert that traffic along the way. You’re inviting people into your funnel in order to connect with potential customers and provide them with various options so that you’re more likely to get the sale.

Even sales funnels that feature a single front-end product are designed to showcase other backend offers throughout the process.

The one thing that many people overlook is that your funnel doesn’t have to begin with a sale. In fact, you should look at the top of your funnel as the exploratory stage, where customers are first introduced to your brand and are looking for reasons to buy from you.

This means that your funnel may not begin on a sales page at all. It could start by funneling traffic into a mailing list in order to build your subscriber base and connect with your audience.

Your funnel may start with a blog that features high-quality content and later encourages readers to become part of a Facebook group, a masterclass, a newsletter or a free course.

It doesn’t matter where or how your funnel begins. The important thing to keep in mind is that the top of your funnel has one main goal: to raise awareness of your brand and to connect with potential customers.

Your funnel’s entry point (or top of the funnel) can be created in many ways, depending on your overall objective. So, to start, think about what you hope to accomplish.

Do you want to build a mailing list of people who are interested in your niche so that you can introduce them to new offers?

Are you looking to start selling right away by creating a traditional sales funnel that begins with a low-cost front end product?

Do you want to gather important information from prospects through lead magnets, free trials, or free products before introducing them to paid offers?

Identify the main objective of the top of your sales funnel first and then build your funnel around that.

The 3 Stages of a Successful Funnel

We’ve just discussed how the top (entry) of your funnel doesn’t always have to involve selling. In fact, for many this is the last place where they’d even consider doing a hard sale.

Typically, the top of your sales funnel is the introduction phase. As I’ve previously mentioned, it’s where you allow people to get to know your brand, test the waters, and make the decision as to whether you have something valuable to offer.

Here’s how to create the top of your funnel:

Set up a lead-capture page. This can be a responsive squeeze or landing page. The focus needs to be on capturing the lead via an opt-in form that adds the subscriber to your mailing list.

You’ll want to offer something of value in exchange for their email address. Think about the different type of products featured within your funnel and offer them a condensed version of a product, or something else that is relevant to your market.

Don’t overlook the importance of a lead magnet! If you want to maximize conversion rates, you’ll want to offer them something irresistible that instantly attracts attention. A free special report, an email-based course or a series of videos are always great ideas.

If you want to save time by getting your hands on dozens of pre-made lead magnet packages that include high-quality reports, responsive squeeze pages and even autoresponder follow-ups that will help you connect with your subscribers, you’ll want to check out: https://www.swabd.com/monthly-plr-lead-magnets-package

These guys know their stuff. The lead magnet packages come fully bundled with everything you need making it drop-dead easy to get your funnel up and running in a matter of a few minutes.

The Gratitude Plan MRR Ebook

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Introduction

Author, William Arthur Ward, once said, “Gratitude can transform common days into thanksgivings, turn routine jobs into joy, and change ordinary opportunities into blessings.” Gratitude is the unique quality of being entirely thankful for what you have, as well as always being ready to appreciate and help others. Gratitude is one of the primary keys to living a happy and prosperous life. For when you show gratitude for what you have, you are content with your life and positive about all that it has to offer.

If you feel a lack of gratitude in your life and are afraid that it may be creating a void, it is time for you to take action and learn how you can develop gratitude to live a happier life. If you are currently in a difficult situation in your life and think that it is impossible for you to be thankful, then it's time you learned how to cultivate gratitude and achieve greatness. With your determination and effort, you can quickly develop a sense of gratitude and become content with yourself and your life.

You can learn about what gratitude is and all the benefits it can bring you in your life. If you’re ready to improve your overall wellbeing and live a happier life, then you can learn to cultivate gratitude and achieve greatness. Gratitude, like any skill, can be learned and you can develop habits of gratitude. With practice, gratitude can become a choice. You can learn how to bring gratitude into your life and improve your relationships.

Chapter 1 – Defining Gratitude

Almost every day, we say thanks. We absentmindedly tell it to the grocery store checkout clerk and to the barista at our local coffee shop but are these sincere expressions of gratitude, or merely a response we've been conditioned to give?

What exactly is gratitude?

Is it something different than saying "thanks," or is the "thanks" a component of gratitude?

As you will discover as you read through this guide, a simple "thanks" can have a powerful impact on both the person communicating their appreciation and the person receiving that appreciation. This is especially true when the genuine emotion of gratitude backs the word. The question then becomes, what exactly is gratitude?

The Roman philosopher, Cicero, described gratitude as the greatest of virtues and the parent of all others. It is the key that opens all doors and is the quality that makes us and keeps us young. This statement, spoken more than two thousand years ago, is quite compelling. It speaks of gratitude as a virtue or quality of being. Gratitude is just this and so much more. Gratitude is also an emotion. It is something that we feel deep in our hearts. We can feel it toward others, when people are grateful to us, or when we see a person express gratitude toward another. As a sentiment or as an exchange between people, there is simplicity to being grateful. And yet, when trying to understand this simplicity, we can find a more complex meaning. Gratitude is an emotion, it is an experience, and it is a conscious choice for awareness. Connections in your relationships are both strengthened and fostered with gratitude.

At its core, gratitude holds an experience of universal belonging. We can experience a real sense of overall well-being when you practice the intentional cultivation of gratitude in our lives.

Gratitude as a State of Being

Take a moment and shut your eyes and try to recall a time when you felt appreciated. Remember this event as if it were happening at this very moment.

What words did you hear?

What did your body feel like at that moment?

What triggered the experience?

What were you thinking at the moment?

What did you enjoy most about being appreciated?

What about this particular moment brought you to remember it today?

Write down your answers to these questions in a notebook that you can refer back to later.

There isn’t a single definition of gratitude. Gratitude has been conceptualized and defined in the context of attitudes, emotions, morals, traits, habits, and even coping techniques. Gratitude is without a doubt, an incredibly complex and dynamic emotion. It is a skill that contributes to the satisfaction in relationships and human excellence.

Gratitude as an Emotion

In this context, we need to be sure to distinguish emotion from the mood. Emotion is about something or someone. It is about a personally significant circumstance or experience. A mood, on the other hand, is not connected to any object and is not dependent on any one thing. By exploring gratitude in this way, we can see that it occurs in response to an action within the framework of a relationship. Something has been given by someone and received by someone else. This exchange helps to foster the emotion of gratitude.

Gratitude is an empathic emotion, which means that in order to experience the emotion in exchange, the receiver needs to place himself in the position of the giver. A feeling of gratitude in response to the gift requires the recipient of the gift to sense the giver's positive intention. It is this recognition and empathic connection that provides the foundation for the emotional experience of gratitude in the interaction.

We can express gratitude for any number of reasons. We can be grateful for receiving personal benefits, such as advice from a mentor, or we can be grateful for material items, like a gift, our home, or a car. Gratitude can also be fostered through interpersonal fulfillment, such as getting a hug from a friend. Or, we can experience gratitude for a monetary gain, like getting a raise at work.

Search Engine Manifesto PLR Ebook

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Search Engine Manifesto

Search Engines and How They Work

Search Engines are special sites on the Web that are designed to help people find information stored on other sites. There are differences in the ways various Search Engines work, but they all perform three basic tasks:

- They search the Internet - or select pieces of the Internet - based on important words,
- They keep an index of the words they find, and where they find them, and
- They allow users to look for words or combinations of words found in that index.

Early Search Engines held an index of a few hundred thousand pages and documents, and received maybe one or two thousand inquiries each day. Today, a top Search Engine will index hundreds of millions of pages, and respond to tens of millions of queries per day.

Before a Search Engine can tell you where a file or document is, it must be found. To find information on the hundreds of millions of Web pages that exist, a Search Engine employs special software robots, called spiders, to build lists of the words found on Web sites.

When a spider is building its lists, the process is called web crawling.

In order to build and maintain a useful list of words, a Search Engine's spiders have to look at a lot of pages. How does any spider start its travels over the Web? The usual starting points are lists of heavily used servers and very popular pages. The spider will begin with a popular site, indexing the words on its pages and following every link found within the site. In this way, the spidering system quickly begins to travel, spreading out across the most widely used portions of the Web.
Once the spiders have completed the task of finding information on Web pages, the Search Engine must store the information in a way that makes it useful. There are two key components involved in making the gathered data accessible to users:

- The information stored with the data, and
- The method by which the information is indexed.

In the simplest case, a Search Engine could just store the word and the URL where it was found. In reality, this would make for an engine of limited use, since there would be no way of telling whether the word was used in an important or a trivial way on the page, whether the word was used once or many times or whether the page contained links to other pages containing the word. In other words, there would be no way of building the ranking list that tries to present the most useful pages at the top of the list of search results.

To make for more useful results, most Search Engines store more than just the word and URL. A Search Engine might store the number of times that the word appears on a page. The engine might assign a weight to each entry, with increasing values assigned to words as they appear near the top of the document, in sub-headings, in links, in the META tags or in the title of the page. Each commercial Search Engine has a different formula for assigning weight to the words in its index. This is one of the reasons that a search for the same word on different Search Engines will produce different lists, with the pages presented in different orders.

An index has a single purpose: it allows information to be found as quickly as possible. There are quite a few ways for an index to be built, but one of the most effective ways is to build a hash table. In hashing, a formula is applied to attach a numerical value to each word.

The formula is designed to evenly distribute the entries across a predetermined number of divisions. This numerical distribution is different from the distribution of words across the alphabet, and that is the key to a hash table's effectiveness.

When a person requests a search on a keyword or phrase, the Search Engine software searches the index for relevant information. The software then provides a report back to the searcher with the most relevant web pages listed first.

Choosing a SEO Company

A Search Engine Optimization Company can be an invaluable asset in your Internet marketing campaign. They specialize in knowing how to raise your Search Engine positions, monitoring those positions on the regular basis, and adjusting their strategies to account for undesirable results in any given month. Since this takes a lot of time, effort, and specialized knowledge, it can be in your best interest to go to an outside source rather than try to maintain high Search Engine positions on your own.

However, like every business, there are good companies and there are lemons. Knowing the right questions to ask and the criteria to look for will help you in choosing an affordable, effective Search Engine optimization company.

When looking at different companies, begin by considering the approach they employ to raise your Search Engine positions. Steer clear of companies that use cloaked, doorway, or bridge pages to raise your positions. These techniques violate most Search Engine policy, and in the worst case scenario, will only get your website severely penalized, if not removed entirely from a Search Engine's index.

A cloaked page is a page that is created which is invisible to the regular visitor to your website. The cloaked page is coded to detect a Search Engine spider and divert them to this special page, which is set-up to artificially boost your Search Engine position. Doorway or bridge pages utilize the same concept, but often reside on an entirely different server. Google, the largest and most important Search Engine on the Internet, will remove your website from their index if they detect you have cloaked pages. So never, never employ any company that uses this technique!

Another important element is to get a guarantee that the company you hire will not work with your competitors while they are working for you. Obviously, this would seriously compromise the effectiveness of the Search Engine optimization campaign. Be aware that some companies will use the success they achieve for your website to sell their services to your competitors. So get your guarantee in writing, and make sure it is legally binding.

Guide To Pc Security PLR Ebook

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Protecting Your Computer’s System

Today, more and more people are using their computers for everything from communication to online banking and investing to shopping.

As we do these things on a more regular basis, we open ourselves up to potential hackers, attackers and crackers. While some may be looking to phish your personal information and identity for resale, others simply just want to use your computer as a platform from which to attack other unknowing targets.

Below are a few easy, cost-effective steps you can take to make your computer more secure to begin with:

1. Always make backups of important information and store in a safe place separate from your computer.
2. Update and patch your operating system, web browser and software frequently. If you have a Windows operating system, start by going to www.windowsupdate.microsoft.com and running the update wizard. This program will help you find the latest patches for your Windows computer. Also go to www.officeupdate.microsoft.com and locate possible patches for your Office programs.
3. Install a firewall. Without a good firewall, viruses, worms, Trojans, malware and adware can all easily access your computer from the Internet. Consideration should be given to the benefits and differences between hardware and software based firewall programs.
4. Review your browser and email settings for optimum security. Why should you do this? Active-X and JavaScript are often used by hackers to plant malicious programs into your computers. While cookies are relatively harmless in terms of security concerns, they do still track your movements on the Internet to build a profile of you. At a minimum set your security setting for the “Internet zone” to High, and your “trusted sites zone” to Medium Low.
5. Install anti-virus software and set for automatic updates so that you receive the most current versions.
6. Do not open unknown email attachments. It is simply not enough that you may recognize the address from which it originates because many viruses can spread from a familiar address.
7. Do not run programs from unknown origins. Also, do not send these types of programs to friends and coworkers because they contain funny or amusing stories or jokes. They may contain a Trojans horse waiting to infect a computer.
8. Disable hidden filename extensions. By default, the Windows operating system is set to “hide file extensions for known file types”. Disable this option so that file extensions display in Windows. Some file extensions will, by default, continue to remain hidden, but you are more likely to see any unusual file extensions that do not belong.
9. Turn off your computer and disconnect from the network when not using the computer. A hacker cannot attack your computer when you are disconnected from the network or the computer is off.
10. Consider making a boot disk on a floppy disk in case your computer is damaged or compromised by a malicious program. Obviously, you need to take this step before you experience a hostile breach of your system.

Fighting Spam

How prevalent is Spam? According to Scott McAdams, OMA Public Affairs and Communications Department (www.oma.org):

“Studies show unsolicited or “junk” e-mail, known as spam, accounts for roughly half of all e-mail messages received. Although once regarded as little more than a nuisance, the prevalence of spam has increased to the point where many users have begun to express a general lack of confidence in the effectiveness of e-mail
transmissions, and increased concern over the spread of computer viruses via unsolicited messages.”

In 2003, President Bush signed the “Can Spam” bill, in December of 2003 which is the first national standards around bulk unsolicited commercial e-mail. The bill, approved by the Senate by a vote of 97 to 0, prohibits senders of unsolicited commercial e-mail from using false return addresses to disguise their identity (spoofing) and the use of dictionaries to generate such mailers.

In addition, it prohibits the use of misleading subject lines and requires that emails include and opt-out mechanism. The legislation also prohibits senders from harvesting addresses off Web sites.

Violations constitute a misdemeanor crime subject to up to one year in jail.

One major point that needs to be discussed about this: spam is now coming from other countries in ever-greater numbers. These emails are harder to fight, because they come from outside our country’s laws and regulations. Because the Internet opens borders and thinks globally, these laws are fine and good, but do not stop the problem.

So what do you do about this?

Here are the top 5 rules to do to protect from spam:

Number 1: Do what you can to avoid having your email address out on the net.

There are products called “spam spiders” that search the Internet for email addresses to send email to. If you are interested, do a search on “spam spider” and you will be amazed at what you get back. Interestingly, there is a site, WebPoison.org, which is an open source project geared to fight Internet "spambots" and "spam spiders", by giving them bogus HTML web pages, which contain bogus email addresses.

Preparing Your Child To Be A Latchkey Kid PLR Ebook

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Preparing Your Child to Be a Latchkey Kid

All over the US, children are going home after school and spending time alone until their parents get home from work. This is what a latchkey kid is. The term came about because they have their own key, usually on a chain hung from their neck, to unlock their home each day when they’re done with school.

They typically have no adult supervision for two to three hours each evening while they wait for their parents to come home. There are more than four million grade-school-aged latchkey kids because there are a lot of dual-income parents and single parents in the workforce today. But this number is down from its high in the 80s when over half of all children were latchkey kids.

It’s very difficult to find affordable childcare for this age group. However, before you choose to let your child become a latchkey kid, there are many things to consider - such as the laws in your area, whether your child is mature enough, and your own financial and emotional situation.

1. Latchkey Kids and the Law

If you’re considering letting your child become a latchkey kid, then you need to find out what the law is in your state, city, and county. For the most part, allowing a child to stay home before the age of 8 is not recommended or even legal today. It was done in the past with great regularity but now the laws have changed the rules for parents.

Most professionals agree that children between ages 8 and 10 shouldn’t be home alone for more than a couple of hours. Ages 11 to 12 can be home longer but should not be left alone late at night. Kids 13 to 15 can be alone at night, but not all night long. Between 16 and 17 years of age, being left overnight a couple nights is okay. But, keep in mind that your decisions should be made based on the law in your area and the maturity of your child.

2. Dangers of Being Latchkey

Let’s be clear before we continue. There are some inherent dangers in being a latchkey kid. But you can mitigate each of them if you’re honest about it and aware. Sometimes you have no choice but to take risks, but when you know what the true issues are, you can at least get in front of them and help your child come out on top.

Loneliness, Boredom and Fear

Many studies show one of the biggest problems with latchkey kids is that they are often lonely, bored, and even afraid. That’s why it’s so important to set up ways to mitigate these issues. Children who have these problems are more likely to fall for those who seek to prey on children through the internet and other means. Talk to your child about stranger (and even relative) danger, and proper behavior that adults should have around kids.

Problems with Peer Pressure

Children starting about middle-school age who spend more than three hours a day alone tend to fall for peer pressure more. They also tend to be more likely to be involved with drug and alcohol use and even sexual activity, due to not following the rules you set about not having friends over. If you never check in or show up unannounced, they will learn that they can get away with it and since their frontal lobes aren’t closed yet, they may make bad choices.

Sexual Promiscuity and Behavior Problems

Children left alone for long periods of time tend to suffer from sexual promiscuity and even behavior problems more often than children who aren’t. But, many children left alone don’t, so there has to be a way to prevent this issue. Open communication, double checking on your kids, and asking others like a trusted neighbor to tell you what’s going on can help.

Many children who are latchkey kids also seem to have more issues with conduct disorders and have more issues academically. However, some of this is traced to parents not having time to spend with their kids or money to spend on tutors, health experts, and so forth. If you are aware in advance of this problem, you can know what to watch for in your latchkey child.

The Self Improvement Handbook PLR Ebook

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Self-improvement & Success – Hand in Hand

Everything that happens to us happens in purpose. And sometimes, one thing leads to another. Instead of locking yourself up in your cage of fears and crying over past heartaches, embarrassment and failures, treat them as your teachers and they will become your tools in both self-improvement and success.

Remember watching Patch Adams? It’s one great film that will help you improve yourself. Hunter “patch” Adams is a medical student who failed to make it through the board exams. After months of suffering in melancholy, depression and suicidal attempts – he decided to seek for medical attention and voluntarily admitted himself in a psychiatric ward. His months of stay in the hospital led him to meeting different kinds of people.

Sick people in that matter. He met a catatonic, a mentally retarded, a schizophrenic and so on. Patch found ways of treating his own ailment and finally realized he has to get back on track. He woke up one morning realizing that after all the failure and pains he has gone through, he still want to become a doctor. He carries with himself a positive attitude that brought him self-improvement and success. He didn’t only improved himself, but also the life of the people around him and the quality of life. Did he succeed? Needless to say, he became the best damn doctor his country has ever known.

So, when does self-improvement become synonymous with success? Where do we start? Take these tips:

- Stop thinking and feeling as if you’re a failure, because you’re not. How can others accept you if YOU can’t accept YOU?

- When you see hunks and models on TV, think more on self-improvement, not self pitying. Self-acceptance is not just about having nice slender legs, or great abs. Concentrate on inner beauty.

- When people feel so down and low about themselves, help them move up. Don’t go down with them. They’ll pull you down further and both of you will end up feeling inferior.

- The world is a large room for lessons, not mistakes. Don’t feel stupid and doomed forever just because you failed on a science quiz. There’s always a next time. Make rooms for self-improvement.

- Take things one at a time. You don’t expect black sheep’s to be goody-two-shoes in just a snap of a finger. Self-improvement is a one day at a time process.

- Self-improvement results to inner stability, personality development and SUCCESS. It comes from self-confidence, self appreciation and self-esteem.

- Set meaningful and achievable goals. Self-improvement doesn’t turn you to be the exact replica of Cameron Diaz or Ralph Fiennes. It hopes and aims to result to an improved and better YOU.

- Little things mean BIG to other people. Sometimes, we don’t realize that the little things that we do like a pat on the back, saying “hi” or “hello”, greeting someone “good day” or telling Mr. Smith something like “hey, I love your tie!” are simple things that mean so much to other people. When we’re being appreciative about beautiful things around us and other people, we also become beautiful to them.

- When you’re willing to accept change and go through the process of self-improvement, it doesn’t mean that everyone else is. The world is a place where people of different values and attitude hang out. Sometimes, even if you think you and your best friend always like to do the same thing together at the same time, she would most likely decline an invitation for self-improvement.

We should always remember that there’s no such thing as ‘over night success’. Its always a wonderful feeling to hold on to the things that you already have now, realizing that those are just one of the things you once wished for. A very nice quote says that, “When the student is ready, the teacher will appear.” We are all here to learn our lessons. Our parents, school teachers, friends, colleagues, officemates, neighbors… they are our teachers. When we open our doors for self-improvement, we increase our chances to head to the road of success.

The Importance of Improving Yourself

Sometimes, when all our doubts, fears and insecurities wrap ourselves up, we always come up with the idea of “I wish I was somebody else.” More often than not, we think and believe that someone or rather, most people are better than us - when in reality, the fact is, most people are more scared than us.

You spot a totally eye-catching girl sitting by herself at a party, casually sipping on a glass of Asti Spumanti. You think to yourself, “she looks so perfectly calm and confident.” But if you could read thru her transparent mind, you would see a bunch of clouds of thoughts and you might just be amazed that she’s thinking “are people talking about why I am seated here alone?... Why don’t guys find me attractive? …I don’t like my ankles, they look too skinny… I wish I was as intelligent as my best friend.”

We look at a young business entrepreneur and say “Wooh… what else could he ask for?” He stares at himself at the mirror and murmur to himself, “I hate my big eyes… I wonder why my friends won’t talk to me… I hope mom and dad would still work things out.”

Isn’t it funny? We look at other people, envy them for looking so outrageously perfect and wish we could trade places with them, while they look at us and thinks of the same thing. We are insecure of other people who themselves are insecure of us. We suffer from low self-esteem, lack of self-confidence and lose hope in self-improvement because we are enveloped in quiet desperation.

Sometimes, you notice that you have an irritating habit like biting off your finger nails, having a foul mouth, and you – of all people, is the last to know.
I have a friend who never gets tired of talking. And in most conversations, she is the only one who seems to be interested in the things she has to say. So all of our other friends tend to avoid the circles whenever she’s around, and she doesn’t notices how badly she became socially handicapped – gradually affecting the people in her environment.

One key to self-improvement is to LISTEN and TALK to a trusted friend. Find someone who you find comfort in opening up with even the most gentle topics
you want to discuss. Ask questions like “do you think I am ill-mannered?”, “Do I always sound so argumentative?”, “Do I talk too loud?”, “Does my breath smell?”, “Do I ever bore you when were together?”. In this way, the other person will obviously know that you are interested in the process of self-improvement. Lend her your ears for comments and criticisms and don’t give her answers like “Don’t exaggerate! That’s just the way I am!” Open up your mind and heart as well. And in return, you may want to help your friend with constructive criticism that will also help her improve her self.

One of Whitney Houston’s songs says “Learning to love yourself is the greatest love of all.” True enough! In order to love others, you must love yourself too. Remember, you cannot give what you do not have.

Seo Tactics For Today MRR Ebook

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It’s a brave new Internet world, and search engine optimization changes almost daily.

In order to stay on top of the search rankings, you have to be prepared to adapt to the changes, employ new technology, find new tactics, and grow with the trends.

The days of “if it’s not broke,don’t fix it” no longer apply.

The fact is that when you look at a website now days, you have to evaluate it with the mindset that everything is broken, that it isn’t working, and apply new ideas to serve your customers better.

In this course, I’ll discuss some of these new trends, as well as glossing over trends that still work, for the moment.

This is only a brief guide in the world of search engine optimization.

These strategies will change.

The best tool for 2017 and beyond isn’t hiring IT gurus or tech professionals, it’s not some random website that promises results, is your mindset.

If you are willing to innovate, and continue to innovatyou will get the best results.

Those who take SEO tips at their face value will be left hopelessly behind the pack, always employing strategies after they’ve become outdated.

So, as you read over these strategies and tactics, refrain from the mindset of “I need to try that,” and instead ask yourself repeatedly, “How can I take this idea and make it better?”

Think about how much the world has changed to this point, from having the right URL to having the right keywords to using long-tail keyword loaded headlines.

The transition from static pages to blogs. The explosion of the Internet from AOL to cellphone apps. The Internet is still very much an infant, and as it grows quickly, many things will continue to change.

The idea that anything is stable in the current market is fiction.

Jumping right into it, we need to have a thorough look over your website from the perspective of anybody but, well… you.

For starters, pretend that you are a user or visitor of your site…

• What does the navigation look like?
• Would you want to stay on this page?
• Is there plenty of meaningful information linked that wets your appetite for information? Or are you simply looking at another business page?

If there isn’t anything of high value to your customers, then they aren’t going to stick around, and they aren’t likely to convert.

• If your site is a product page, do you have a short, useful blurb about each product paired with a picture?
• Is it easy to understand how to order products?
• Does it look like Amazon, or like Bob’s Bicycles?

Everything should be super easy. A four-year-old should be able to navigate your website on a touch screen. There shouldn’t be anything that is even slightly confusing. If there is, make a note of it.

• What kind of behind the scenes site architecture are you using?
• Are your pages well laid out and structured properly, or are individual pages buried in folder after folder?

If you are still using frames, just don’t.

Try to minimize the pagecount and content. Makeevery page look roughly the same so as not to disorient the reader.

Make your site architecture easy for spiders to navigate. This might be something to discuss with the IT guy rather than tackling yourself.