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Thursday , January 12, 2006
Message #1624

WEALTHY:
How to profit from the next real estate boom … starting now (Justin Ford)

HEALTHY:

Are you drinking enough water? Heres how to know for sure …

WISE: John Naisbitt on value

ALSO IN THIS ISSUE:

Does the glass make a difference in the way wine tastes? (Michael Masterson)

Double the impact of your first conversation with a prospect (Ilise Benun)

Add the word "median" to your vocabulary

*
Advertisement *

Pray That Your Competitor Doesnt Find Out
About This System Ahead Of You

You name it, Jay Abraham can sell it better, faster, more profitably and easily than anyone else. He knows nearly 100 different ways (you dont know) to more successfully sell your products or service – offline or online! He knows over 50 ways to make more money from the same effort, time and opportunity just by changing the marketing strategy and approach you follow.

Jay knows how to give away free information and turn all your inquiries into millions or tens of millions of dollars in your bank account. He knows how you can buy your other competitors business, using no money out of your pockets and never bear any downside risk.

Anthony Robbins says, "One idea Jay gave me in the first hour increased our companys marketing effectiveness by more than 100%. Jay is phenomenal, amazing."

Im talking about the opportunity for you to profit massively. Im also talking about the once-in a lifetime chance to learn Jays very best $5,000-an-hour, fortune building business secrets.

http://www.isecureonline.com/Reports/700SJABG/E700G1C2/

The
Attributes of People Who Have Personal Power, #3 of 12:

They know when NOT to be competitive

"While leaders understand the importance of following, they also understand that competition is not nearly as important as cooperation and sharing. Ive achieved most of my success by forcing myself to ignore my naturally competitive instincts and focus on the business. Rather than worry about how a colleague or competitor might be gaining on me, I do better when I think about improving the product or doing a better job selling it.

"An overly competitive environment can lead to unproductive behaviors, such as colleagues withholding important information, taking pot shots, and beating people down instead of improving products and sales. Cooperating, helping, innovating, and sharing can lead to a long, happy career. Remember, the good things you do in business – the help you give others, the information you share, etc. – will show you to be someone other people want to be around."

- Michael Masterson

[Ed. Note: Through January 23rd, we are excerpting highlights from Michael Mastersons new book Power and Persuasion. If you would like to learn no-B.S. secrets for commanding success in your personal and business life, based on Michaels 40 years of down-in-the-trenches business experience, you can pick up a copy here.]

"Value is what people are willing to pay for it."

- John Naisbitt

Make Investing in Real Estate One of Your Resolutions for 2006 – Even If Youre in a Bubble Market Now

By Justin Ford

Are you living – and investing – in a bubble neighborhood? Here are the telltale signs …

1. Most people in your neighborhood couldnt afford to buy their homes today.

2. You havent done anything to your house (in fact, it could use a paint job and a new roof), but its still doubled in value in three years.

3. You could almost rent a place for what you pay in property taxes.

4. Neighbors and/or fellow investors are "cashing out" of their homes and moving to a more affordable area of the country.

5. It seems like everyone you know has a real estate license.

6. Even the guy who mows your lawn says things like "You cant lose in real estate" and "Property prices never go down."

7. You get 14 offers to refinance, seven offers for credit lines, three offers from realtors to sell your home or find you your dream home … all before lunch.

8. Home equity loans are as common as credit cards among your friends.

9. All your friends know what an "interest-only" loan is (though they dont know why they probably shouldnt have one).

10. Property prices have risen much faster than income for four to five years.

11. The median (see Word to the Wise, below) selling price of a house is now five times or more the median income in your area.

12. The median-priced house now sells for 15 times or more its annual rental value.

13. Properties no longer "wash their own faces." Even with a 20% down payment, the rent doesnt cover the mortgage, management, and expenses.

14. Your real estate market now operates on the "Greater Fool" theory. Prices are no longer tied to rents or household income. If you buy a property at market today, the only way to make money is to find a buyer whos a bigger fool than you are.

If you live in a bubble neighborhood, dont despair. You can still make investing in real estate one of your resolutions for 2006 – and make substantial profits. There are two principal ways to do it.

The first way is to learn how to buy real estate in a hot market at 30% (or more) below market value. To do this, you need to find motivated sellers. Im talking about people who are facing foreclosure, burnt-out landlords, out-of-state owners, owners of rundown, vacant properties … and the killer combination: out-of-state owners of rundown, vacant properties.

Its not easy to land one of these sellers. It requires a good deal of work. But its work that can pay very, very well – far better than most MBAs earn.

And that brings me to the second – and best – way to make significant profits in real estate over the next few years: Identify the New Real Estate Boom Markets.

Tap Into the Best Value Markets in America

The New Real Estate Boom Markets are markets that have escaped the bubble so far. But theyre starting to get hot. Why are they getting hot? Because there are hundreds of thousands of property owners in the bubble markets who are tired of high taxes and insurance and want to cash in their inflated equity and move to a much more affordable place.

These "Bubble Market Refugees" will pocket hundreds of thousands of dollars when they sell. And for married couples selling their primary residence, most of that money will be in the form of tax-free capital gains.

Theyll take that tax-free loot and move to a less-crowded market, with far lower taxes, a lower cost of living, and often a better climate and a higher quality of life. They can buy a newer, bigger home on a bigger lot for half or even a quarter of what their old homes were worth. Then theyll take the cash they didnt spend and live better for less.

This is what a neighbor of mine in South Florida is doing. An investment partner of mine from California recently did it too. And Ive run into quite a few people who are coming from Arizona, Nevada, and New York to invest in the New Real Estate Boom Markets.

Characteristics of the New Boom Markets

Americas best real estate markets today are dirt-cheap compared to New York, California, South Florida, the Washington, DC area (including Virginia and Maryland), Boston, and much of New England, Seattle, Portland, the resort cities in Colorado, Las Vegas, and much of Arizona … to name just a few of todays bubble markets. But just because a market is cheap doesnt mean its heading up in value. The New Boom Markets have a lot more going for them than the fact that you can buy a lot more house, building, or land for the same buck …

Theyre usually second- or third-tier cities – but only in terms of population. They have culture, universities, long histories, and diverse economies. Theyre well known, often in mild climates or in the Sunbelt, and they tend to rate high in national quality-of-life surveys. They may have a population of about a million or less, with plenty of room for growth.

They have great fundamentals for real estate. Theyre experiencing growing population and jobs. Yet properties sell at multiples far below those of the bubble markets. In the New Boom Markets, youll find the median price of homes at three to four times the median household income. Compare that to the six-times income in Tucson and Boulder, the nine-times income in Miami and LA, and the 11-times income in Freemont.

Income properties in the New Boom Markets may sell for 10 times annual rent or less. Again, way below the ratios of 40 times annual rent in Venice, Florida – and even 49 times annual rent in San Francisco! So when you learn how to buy under market value in these markets, you can buy for nine or eight or sometimes just seven times annual rent. That means you can probably put very little or even no money down in some instances, and have the properties pay for themselves and produce a positive net cash flow.

Most importantly, the New Boom Markets are growing in popularity and properties are experiencing growing demand. Bubble Refugees are heading to these areas by the busload – literally. (I know of investment groups from other states that are just beginning to arrive and buy properties.) And the New Boom Markets on the radar of the first wave of baby boomers who will start taking early retirement in less than five years.

The long-term trend for the New Boom Markets is excellent. The prices today are steals – especially in comparison to the bubble markets.

Ive been researching and traveling to these value markets and I have begun to buy properties in one of them. One four-unit in a good area produces just over $26,000 in annual income, yet its market value is just $220,000! Thats less than nine times annual rent … and yet I was able to pick it up for $185,000 (or about seven times annual rent).

An apartment complex nearby was being sold by a bank. It has 24 units and produces $144,000 in yearly income. Its in a B area that is improving, right next to a developing "restaurant row." It was on offer for just $850,000 – less than six times annual rent. Not surprisingly, when I called to make an offer, it was already at contract. But there are still many excellent deals – residential and commercial – to be had.

[Ed. Note: Justin Ford is ETRs real estate expert and the editor of our Main Street Millionaire program. In a teleconference call on February 9th, he will reveal the five markets he believes offer the best values and the best appreciation potential in the country today. Learn more.]

Todays
Resolution

Theres still money to be made in real estate – if you know where to look. So keep "investing in real estate" on your list of New Years resolutions for 2006. The way to do it is to follow Justins recommended strategy:

"You dont have to be stuck in a bubble real estate market. Look at other markets where you have friends and family. How are properties priced there relative to median income and relative to rents? Are there a growing number of jobs and a growing population? Is it an increasingly popular area, drawing in people from other parts of the country who are cashing out of the bubble markets and coming to live like royalty for a lot less money?

"Chances are, you know at least one place that has all the earmarks of the New Boom Market. Using professional property management and perhaps working with local partners, you can invest in these places. And you can do it for a fraction of the prices youre currently seeing in your market … with much less risk (thanks to hefty rental coverage), and with far greater upside potential."

*
Advertisement *

MEN…Is Your Male Plumbing Getting The Best of You?

Have you ever stood in front of a urinal for what might seem like hours with nothing happening? Well don’t feel alone…right now there are millions of men like yourself who deal with this situation daily.

But now there’s a breakthrough discovery from Sweden that can help deflate your swollen prostate…maintain strong urinary flow…and support healthy sexual performance.

I believe this could be the next prostate miracle!

I’ve developed Prosta-Sure with the help of VitalMax Vitamins and I guarantee this formula is very different than anything you’ve seen before. It doesn’t contain the normal…ordinary…run of the mill herbs and vitamins you’ll find in most products.

Just two capsules of Prosta-Sure and you’ll be feeling much better about your prostate health. Imagine freedom from endless nightly visits to the toilet. Freedom from straining…holding…and dribbling. Freedom from daily urgent rushes to empty. And freedom from weak sexual performance in the bedroom.

After you read more about the remarkable formula, you’ll understand why I consider this the most powerful prostate product available today!

Sincerely,
Al Sears M.D.

http://www.vitalmaxvitamins.com/email/psdb7

All Marketers Are Liars

"Youre a liar. So am I. Everyones a liar."

Thats how Seth Godin explains how most of us buy and sell things. In his book All Marketers Are Liars, he says, "We tell ourselves stories because were superstitious. Stories are shortcuts we use because were too overwhelmed by data to discover all the details. The stories we tell ourselves are lies that make it far easier to live in a very complicated world. We tell stories about products, services, friends, job seekers, the New York Yankees, and sometimes even the weather."

He gives an example: Georg Riedel, the owner of Riedel Glass, perpetuates the lie that wine drunk from a Riedel glass tastes better than it would if it were drunk from an ordinary glass. Tests done in Europe and the United States confirm this preference for quality wine glasses – and even prominent wine critic Robert Parker and Wine Spectator magazine promote the "lie," according to Godin. (I do too!)

When scientific "double-blind" studies are done, Godin says, we find that "there is absolutely zero detectible difference between glasses. A $1 glass and a $20 glass deliver precisely the same impact on the wine: none."

Godin doesnt provide those scientific studies. And Im not even sure what he means by, "deliver the same impact." In fact, I think hes sloppy in his thinking about this and wrong on the facts. (I will never give up my belief in good wine glasses!)

Yet, he is making a very important point, one I make in almost every speech I give about marketing:

We dont usually buy things because we need them, we purchase things because we want them. And we want them because weve convinced ourselves (and good marketers reinforce the belief) that these things will make us feel better.

- Michael Masterson

Make Water Your Drink of Choice

"How much water do I need to drink on a daily basis?" "Is it okay to get some of my water from other drinks and food?"

Of all the questions I receive, I am surprised by how many of them are about water. And the confusion is understandable. Some sources say you should drink a gallon or more per day. Then there is one well-known doctor who believes that water consumption is overrated. He writes that he has "not had a glass of water in 20 years."

So … how much water should you be drinking?

There is no set amount. It depends on the foods and other drinks you consume, how much you weigh, and your level of activity. The best way I know to gauge your level of hydration is to pay attention to the color of your urine. Unless you are taking vitamins that change the color, your urine should be a very light yellow. If it is dark or bright yellow, it can be a sign that you are dehydrated.

In his book Your Bodys Many Cries for Water, Dr. F. Batmanghelidj presents a compelling case that chronic dehydration is a contributing factor in the many degenerative diseases plaguing our society. And its not surprising. Water is your most essential nutrient, and every system in your body depends on it.

I hope one of your main goals for 2006 is to achieve optimal health. Toward that end, promise yourself that, starting today, you will make water your drink of choice – and that you will choose spring water (from a trusted source) or tap water that has been purified to remove chlorine, fluoride, and other contaminants.

- Jon Herring

Follow Up as Soon as You Hang Up

After an initial conversation with a prospect, dont wait to start your follow up. While youre still fresh in his mind, send an e-mail message in which you:

1. Thank him for his interest in your service.

2. Express your understanding of the challenge he faces. (Use as many of the words he used as you can.)

3. Refer to an experience or project in your background that supports your claim that you are the right person to help him.

4. Provide a link to your website that he can click on to learn more about you and your service.

5. Make the next move. ("I will call you Thursday morning to make sure I have answered all your questions …")

- Ilise Benun

[Ed. Note: Ilise Benun is an expert in the art of self-promotion. Sign up for her e-mail tips from Marketing Mentor here.]

*
Advertisement *

$1,000 into $345,061 in Only Ten Weeks?

I just discovered a reliable system that can tell you which stocks are likely to rise and which are likely to fall… and when! Just like clockwork. With this system, youd have to be completely hopeless not to make at least three successful trades a day, after just a little practice.

Thats 150 trades in ten weeks. If you started off with just $1,000, made a puny 4% on each trade and kept re-investing it daily…Youd have $345,061 in your account after 10 weeks!

And the best part is the system makes short work of the whole thing

http://www.isecureonline.com/Reports/700SSTS/E700G1C4/

Word
to the Wise: Median

The "median" (MEE-dee-un) is the midpoint of a series of numbers that are arranged in order of value. The word is derived from the Latin "medius" ("middle").

Example (as Justin Ford used it today): "The median selling price of a house is now five times or more the median income in your area."

Michael
Masterson
Copyright ETR, LLC, 2006

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The Internets
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Thursday , January 12, 2006
Message #1624

WEALTHY:
How to profit from the next real estate boom … starting now (Justin Ford)

HEALTHY:

Are you drinking enough water? Heres how to know for sure …

WISE: John Naisbitt on value

ALSO IN THIS ISSUE:

Does the glass make a difference in the way wine tastes? (Michael Masterson)

Double the impact of your first conversation with a prospect (Ilise Benun)

Add the word "median" to your vocabulary

*
Advertisement *

Pray That Your Competitor Doesnt Find Out
About This System Ahead Of You

You name it, Jay Abraham can sell it better, faster, more profitably and easily than anyone else. He knows nearly 100 different ways (you dont know) to more successfully sell your products or service – offline or online! He knows over 50 ways to make more money from the same effort, time and opportunity just by changing the marketing strategy and approach you follow.

Jay knows how to give away free information and turn all your inquiries into millions or tens of millions of dollars in your bank account. He knows how you can buy your other competitors business, using no money out of your pockets and never bear any downside risk.

Anthony Robbins says, "One idea Jay gave me in the first hour increased our companys marketing effectiveness by more than 100%. Jay is phenomenal, amazing."

Im talking about the opportunity for you to profit massively. Im also talking about the once-in a lifetime chance to learn Jays very best $5,000-an-hour, fortune building business secrets.

http://www.isecureonline.com/Reports/700SJABG/E700G1C2/

The
Attributes of People Who Have Personal Power, #3 of 12:

They know when NOT to be competitive

"While leaders understand the importance of following, they also understand that competition is not nearly as important as cooperation and sharing. Ive achieved most of my success by forcing myself to ignore my naturally competitive instincts and focus on the business. Rather than worry about how a colleague or competitor might be gaining on me, I do better when I think about improving the product or doing a better job selling it.

"An overly competitive environment can lead to unproductive behaviors, such as colleagues withholding important information, taking pot shots, and beating people down instead of improving products and sales. Cooperating, helping, innovating, and sharing can lead to a long, happy career. Remember, the good things you do in business – the help you give others, the information you share, etc. – will show you to be someone other people want to be around."

- Michael Masterson

[Ed. Note: Through January 23rd, we are excerpting highlights from Michael Mastersons new book Power and Persuasion. If you would like to learn no-B.S. secrets for commanding success in your personal and business life, based on Michaels 40 years of down-in-the-trenches business experience, you can pick up a copy here.]

"Value is what people are willing to pay for it."

- John Naisbitt

Make Investing in Real Estate One of Your Resolutions for 2006 – Even If Youre in a Bubble Market Now

By Justin Ford

Are you living – and investing – in a bubble neighborhood? Here are the telltale signs …

1. Most people in your neighborhood couldnt afford to buy their homes today.

2. You havent done anything to your house (in fact, it could use a paint job and a new roof), but its still doubled in value in three years.

3. You could almost rent a place for what you pay in property taxes.

4. Neighbors and/or fellow investors are "cashing out" of their homes and moving to a more affordable area of the country.

5. It seems like everyone you know has a real estate license.

6. Even the guy who mows your lawn says things like "You cant lose in real estate" and "Property prices never go down."

7. You get 14 offers to refinance, seven offers for credit lines, three offers from realtors to sell your home or find you your dream home … all before lunch.

8. Home equity loans are as common as credit cards among your friends.

9. All your friends know what an "interest-only" loan is (though they dont know why they probably shouldnt have one).

10. Property prices have risen much faster than income for four to five years.

11. The median (see Word to the Wise, below) selling price of a house is now five times or more the median income in your area.

12. The median-priced house now sells for 15 times or more its annual rental value.

13. Properties no longer "wash their own faces." Even with a 20% down payment, the rent doesnt cover the mortgage, management, and expenses.

14. Your real estate market now operates on the "Greater Fool" theory. Prices are no longer tied to rents or household income. If you buy a property at market today, the only way to make money is to find a buyer whos a bigger fool than you are.

If you live in a bubble neighborhood, dont despair. You can still make investing in real estate one of your resolutions for 2006 – and make substantial profits. There are two principal ways to do it.

The first way is to learn how to buy real estate in a hot market at 30% (or more) below market value. To do this, you need to find motivated sellers. Im talking about people who are facing foreclosure, burnt-out landlords, out-of-state owners, owners of rundown, vacant properties … and the killer combination: out-of-state owners of rundown, vacant properties.

Its not easy to land one of these sellers. It requires a good deal of work. But its work that can pay very, very well – far better than most MBAs earn.

And that brings me to the second – and best – way to make significant profits in real estate over the next few years: Identify the New Real Estate Boom Markets.

Tap Into the Best Value Markets in America

The New Real Estate Boom Markets are markets that have escaped the bubble so far. But theyre starting to get hot. Why are they getting hot? Because there are hundreds of thousands of property owners in the bubble markets who are tired of high taxes and insurance and want to cash in their inflated equity and move to a much more affordable place.

These "Bubble Market Refugees" will pocket hundreds of thousands of dollars when they sell. And for married couples selling their primary residence, most of that money will be in the form of tax-free capital gains.

Theyll take that tax-free loot and move to a less-crowded market, with far lower taxes, a lower cost of living, and often a better climate and a higher quality of life. They can buy a newer, bigger home on a bigger lot for half or even a quarter of what their old homes were worth. Then theyll take the cash they didnt spend and live better for less.

This is what a neighbor of mine in South Florida is doing. An investment partner of mine from California recently did it too. And Ive run into quite a few people who are coming from Arizona, Nevada, and New York to invest in the New Real Estate Boom Markets.

Characteristics of the New Boom Markets

Americas best real estate markets today are dirt-cheap compared to New York, California, South Florida, the Washington, DC area (including Virginia and Maryland), Boston, and much of New England, Seattle, Portland, the resort cities in Colorado, Las Vegas, and much of Arizona … to name just a few of todays bubble markets. But just because a market is cheap doesnt mean its heading up in value. The New Boom Markets have a lot more going for them than the fact that you can buy a lot more house, building, or land for the same buck …

Theyre usually second- or third-tier cities – but only in terms of population. They have culture, universities, long histories, and diverse economies. Theyre well known, often in mild climates or in the Sunbelt, and they tend to rate high in national quality-of-life surveys. They may have a population of about a million or less, with plenty of room for growth.

They have great fundamentals for real estate. Theyre experiencing growing population and jobs. Yet properties sell at multiples far below those of the bubble markets. In the New Boom Markets, youll find the median price of homes at three to four times the median household income. Compare that to the six-times income in Tucson and Boulder, the nine-times income in Miami and LA, and the 11-times income in Freemont.

Income properties in the New Boom Markets may sell for 10 times annual rent or less. Again, way below the ratios of 40 times annual rent in Venice, Florida – and even 49 times annual rent in San Francisco! So when you learn how to buy under market value in these markets, you can buy for nine or eight or sometimes just seven times annual rent. That means you can probably put very little or even no money down in some instances, and have the properties pay for themselves and produce a positive net cash flow.

Most importantly, the New Boom Markets are growing in popularity and properties are experiencing growing demand. Bubble Refugees are heading to these areas by the busload – literally. (I know of investment groups from other states that are just beginning to arrive and buy properties.) And the New Boom Markets on the radar of the first wave of baby boomers who will start taking early retirement in less than five years.

The long-term trend for the New Boom Markets is excellent. The prices today are steals – especially in comparison to the bubble markets.

Ive been researching and traveling to these value markets and I have begun to buy properties in one of them. One four-unit in a good area produces just over $26,000 in annual income, yet its market value is just $220,000! Thats less than nine times annual rent … and yet I was able to pick it up for $185,000 (or about seven times annual rent).

An apartment complex nearby was being sold by a bank. It has 24 units and produces $144,000 in yearly income. Its in a B area that is improving, right next to a developing "restaurant row." It was on offer for just $850,000 – less than six times annual rent. Not surprisingly, when I called to make an offer, it was already at contract. But there are still many excellent deals – residential and commercial – to be had.

[Ed. Note: Justin Ford is ETRs real estate expert and the editor of our Main Street Millionaire program. In a teleconference call on February 9th, he will reveal the five markets he believes offer the best values and the best appreciation potential in the country today. Learn more.]

Todays
Resolution

Theres still money to be made in real estate – if you know where to look. So keep "investing in real estate" on your list of New Years resolutions for 2006. The way to do it is to follow Justins recommended strategy:

"You dont have to be stuck in a bubble real estate market. Look at other markets where you have friends and family. How are properties priced there relative to median income and relative to rents? Are there a growing number of jobs and a growing population? Is it an increasingly popular area, drawing in people from other parts of the country who are cashing out of the bubble markets and coming to live like royalty for a lot less money?

"Chances are, you know at least one place that has all the earmarks of the New Boom Market. Using professional property management and perhaps working with local partners, you can invest in these places. And you can do it for a fraction of the prices youre currently seeing in your market … with much less risk (thanks to hefty rental coverage), and with far greater upside potential."

*
Advertisement *

MEN…Is Your Male Plumbing Getting The Best of You?

Have you ever stood in front of a urinal for what might seem like hours with nothing happening? Well don’t feel alone…right now there are millions of men like yourself who deal with this situation daily.

But now there’s a breakthrough discovery from Sweden that can help deflate your swollen prostate…maintain strong urinary flow…and support healthy sexual performance.

I believe this could be the next prostate miracle!

I’ve developed Prosta-Sure with the help of VitalMax Vitamins and I guarantee this formula is very different than anything you’ve seen before. It doesn’t contain the normal…ordinary…run of the mill herbs and vitamins you’ll find in most products.

Just two capsules of Prosta-Sure and you’ll be feeling much better about your prostate health. Imagine freedom from endless nightly visits to the toilet. Freedom from straining…holding…and dribbling. Freedom from daily urgent rushes to empty. And freedom from weak sexual performance in the bedroom.

After you read more about the remarkable formula, you’ll understand why I consider this the most powerful prostate product available today!

Sincerely,
Al Sears M.D.

http://www.vitalmaxvitamins.com/email/psdb7

All Marketers Are Liars

"Youre a liar. So am I. Everyones a liar."

Thats how Seth Godin explains how most of us buy and sell things. In his book All Marketers Are Liars, he says, "We tell ourselves stories because were superstitious. Stories are shortcuts we use because were too overwhelmed by data to discover all the details. The stories we tell ourselves are lies that make it far easier to live in a very complicated world. We tell stories about products, services, friends, job seekers, the New York Yankees, and sometimes even the weather."

He gives an example: Georg Riedel, the owner of Riedel Glass, perpetuates the lie that wine drunk from a Riedel glass tastes better than it would if it were drunk from an ordinary glass. Tests done in Europe and the United States confirm this preference for quality wine glasses – and even prominent wine critic Robert Parker and Wine Spectator magazine promote the "lie," according to Godin. (I do too!)

When scientific "double-blind" studies are done, Godin says, we find that "there is absolutely zero detectible difference between glasses. A $1 glass and a $20 glass deliver precisely the same impact on the wine: none."

Godin doesnt provide those scientific studies. And Im not even sure what he means by, "deliver the same impact." In fact, I think hes sloppy in his thinking about this and wrong on the facts. (I will never give up my belief in good wine glasses!)

Yet, he is making a very important point, one I make in almost every speech I give about marketing:

We dont usually buy things because we need them, we purchase things because we want them. And we want them because weve convinced ourselves (and good marketers reinforce the belief) that these things will make us feel better.

- Michael Masterson

Make Water Your Drink of Choice

"How much water do I need to drink on a daily basis?" "Is it okay to get some of my water from other drinks and food?"

Of all the questions I receive, I am surprised by how many of them are about water. And the confusion is understandable. Some sources say you should drink a gallon or more per day. Then there is one well-known doctor who believes that water consumption is overrated. He writes that he has "not had a glass of water in 20 years."

So … how much water should you be drinking?

There is no set amount. It depends on the foods and other drinks you consume, how much you weigh, and your level of activity. The best way I know to gauge your level of hydration is to pay attention to the color of your urine. Unless you are taking vitamins that change the color, your urine should be a very light yellow. If it is dark or bright yellow, it can be a sign that you are dehydrated.

In his book Your Bodys Many Cries for Water, Dr. F. Batmanghelidj presents a compelling case that chronic dehydration is a contributing factor in the many degenerative diseases plaguing our society. And its not surprising. Water is your most essential nutrient, and every system in your body depends on it.

I hope one of your main goals for 2006 is to achieve optimal health. Toward that end, promise yourself that, starting today, you will make water your drink of choice – and that you will choose spring water (from a trusted source) or tap water that has been purified to remove chlorine, fluoride, and other contaminants.

- Jon Herring

Follow Up as Soon as You Hang Up

After an initial conversation with a prospect, dont wait to start your follow up. While youre still fresh in his mind, send an e-mail message in which you:

1. Thank him for his interest in your service.

2. Express your understanding of the challenge he faces. (Use as many of the words he used as you can.)

3. Refer to an experience or project in your background that supports your claim that you are the right person to help him.

4. Provide a link to your website that he can click on to learn more about you and your service.

5. Make the next move. ("I will call you Thursday morning to make sure I have answered all your questions …")

- Ilise Benun

[Ed. Note: Ilise Benun is an expert in the art of self-promotion. Sign up for her e-mail tips from Marketing Mentor here.]

*
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And the best part is the system makes short work of the whole thing

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Word
to the Wise: Median

The "median" (MEE-dee-un) is the midpoint of a series of numbers that are arranged in order of value. The word is derived from the Latin "medius" ("middle").

Example (as Justin Ford used it today): "The median selling price of a house is now five times or more the median income in your area."

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If youd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it Ill tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you dont like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Thursday , January 12, 2006
Message #1624

WEALTHY:
How to profit from the next real estate boom … starting now (Justin Ford)

HEALTHY:

Are you drinking enough water? Here's how to know for sure …

WISE: John Naisbitt on value

ALSO IN THIS ISSUE:

Does the glass make a difference in the way wine tastes? (Michael Masterson)

Double the impact of your first conversation with a prospect (Ilise Benun)

Add the word "median" to your vocabulary

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The
Attributes of People Who Have Personal Power, #3 of 12:

They know when NOT to be competitive

"While leaders understand the importance of following, they also understand that competition is not nearly as important as cooperation and sharing. I've achieved most of my success by forcing myself to ignore my naturally competitive instincts and focus on the business. Rather than worry about how a colleague or competitor might be gaining on me, I do better when I think about improving the product or doing a better job selling it.

"An overly competitive environment can lead to unproductive behaviors, such as colleagues withholding important information, taking pot shots, and beating people down instead of improving products and sales. Cooperating, helping, innovating, and sharing can lead to a long, happy career. Remember, the good things you do in business – the help you give others, the information you share, etc. – will show you to be someone other people want to be around."

- Michael Masterson

[Ed. Note: Through January 23rd, we are excerpting highlights from Michael Masterson's new book Power and Persuasion. If you would like to learn no-B.S. secrets for commanding success in your personal and business life, based on Michael's 40 years of down-in-the-trenches business experience, you can pick up a copy here.]

"Value is what people are willing to pay for it."

- John Naisbitt

Make Investing in Real Estate One of Your Resolutions for 2006 – Even If You're in a Bubble Market Now

By Justin Ford

Are you living – and investing – in a bubble neighborhood? Here are the telltale signs …

1. Most people in your neighborhood couldn't afford to buy their homes today.

2. You haven't done anything to your house (in fact, it could use a paint job and a new roof), but it's still doubled in value in three years.

3. You could almost rent a place for what you pay in property taxes.

4. Neighbors and/or fellow investors are "cashing out" of their homes and moving to a more affordable area of the country.

5. It seems like everyone you know has a real estate license.

6. Even the guy who mows your lawn says things like "You can't lose in real estate" and "Property prices never go down."

7. You get 14 offers to refinance, seven offers for credit lines, three offers from realtors to sell your home or find you your dream home … all before lunch.

8. Home equity loans are as common as credit cards among your friends.

9. All your friends know what an "interest-only" loan is (though they don't know why they probably shouldn't have one).

10. Property prices have risen much faster than income for four to five years.

11. The median (see Word to the Wise, below) selling price of a house is now five times or more the median income in your area.

12. The median-priced house now sells for 15 times or more its annual rental value.

13. Properties no longer "wash their own faces." Even with a 20% down payment, the rent doesn't cover the mortgage, management, and expenses.

14. Your real estate market now operates on the "Greater Fool" theory. Prices are no longer tied to rents or household income. If you buy a property at market today, the only way to make money is to find a buyer who's a bigger fool than you are.

If you live in a bubble neighborhood, don't despair. You can still make investing in real estate one of your resolutions for 2006 – and make substantial profits. There are two principal ways to do it.

The first way is to learn how to buy real estate in a hot market at 30% (or more) below market value. To do this, you need to find motivated sellers. I'm talking about people who are facing foreclosure, burnt-out landlords, out-of-state owners, owners of rundown, vacant properties … and the killer combination: out-of-state owners of rundown, vacant properties.

It's not easy to land one of these sellers. It requires a good deal of work. But it's work that can pay very, very well – far better than most MBAs earn.

And that brings me to the second – and best – way to make significant profits in real estate over the next few years: Identify the New Real Estate Boom Markets.

Tap Into the Best Value Markets in America

The New Real Estate Boom Markets are markets that have escaped the bubble so far. But they're starting to get hot. Why are they getting hot? Because there are hundreds of thousands of property owners in the bubble markets who are tired of high taxes and insurance and want to cash in their inflated equity and move to a much more affordable place.

These "Bubble Market Refugees" will pocket hundreds of thousands of dollars when they sell. And for married couples selling their primary residence, most of that money will be in the form of tax-free capital gains.

They'll take that tax-free loot and move to a less-crowded market, with far lower taxes, a lower cost of living, and often a better climate and a higher quality of life. They can buy a newer, bigger home on a bigger lot for half or even a quarter of what their old homes were worth. Then they'll take the cash they didn't spend and live better for less.

This is what a neighbor of mine in South Florida is doing. An investment partner of mine from California recently did it too. And I've run into quite a few people who are coming from Arizona, Nevada, and New York to invest in the New Real Estate Boom Markets.

Characteristics of the New Boom Markets

America's best real estate markets today are dirt-cheap compared to New York, California, South Florida, the Washington, DC area (including Virginia and Maryland), Boston, and much of New England, Seattle, Portland, the resort cities in Colorado, Las Vegas, and much of Arizona … to name just a few of today's bubble markets. But just because a market is cheap doesn't mean it's heading up in value. The New Boom Markets have a lot more going for them than the fact that you can buy a lot more house, building, or land for the same buck …

They're usually second- or third-tier cities – but only in terms of population. They have culture, universities, long histories, and diverse economies. They're well known, often in mild climates or in the Sunbelt, and they tend to rate high in national quality-of-life surveys. They may have a population of about a million or less, with plenty of room for growth.

They have great fundamentals for real estate. They're experiencing growing population and jobs. Yet properties sell at multiples far below those of the bubble markets. In the New Boom Markets, you'll find the median price of homes at three to four times the median household income. Compare that to the six-times income in Tucson and Boulder, the nine-times income in Miami and LA, and the 11-times income in Freemont.

Income properties in the New Boom Markets may sell for 10 times annual rent or less. Again, way below the ratios of 40 times annual rent in Venice, Florida – and even 49 times annual rent in San Francisco! So when you learn how to buy under market value in these markets, you can buy for nine or eight or sometimes just seven times annual rent. That means you can probably put very little or even no money down in some instances, and have the properties pay for themselves and produce a positive net cash flow.

Most importantly, the New Boom Markets are growing in popularity and properties are experiencing growing demand. Bubble Refugees are heading to these areas by the busload – literally. (I know of investment groups from other states that are just beginning to arrive and buy properties.) And the New Boom Markets on the radar of the first wave of baby boomers who will start taking early retirement in less than five years.

The long-term trend for the New Boom Markets is excellent. The prices today are steals – especially in comparison to the bubble markets.

I've been researching and traveling to these value markets and I have begun to buy properties in one of them. One four-unit in a good area produces just over $26,000 in annual income, yet its market value is just $220,000! That's less than nine times annual rent … and yet I was able to pick it up for $185,000 (or about seven times annual rent).

An apartment complex nearby was being sold by a bank. It has 24 units and produces $144,000 in yearly income. It's in a B area that is improving, right next to a developing "restaurant row." It was on offer for just $850,000 – less than six times annual rent. Not surprisingly, when I called to make an offer, it was already at contract. But there are still many excellent deals – residential and commercial – to be had.

[Ed. Note: Justin Ford is ETR's real estate expert and the editor of our Main Street Millionaire program. In a teleconference call on February 9th, he will reveal the five markets he believes offer the best values and the best appreciation potential in the country today. Learn more.]

Today's
Resolution

There's still money to be made in real estate – if you know where to look. So keep "investing in real estate" on your list of New Year's resolutions for 2006. The way to do it is to follow Justin's recommended strategy:

"You don't have to be stuck in a bubble real estate market. Look at other markets where you have friends and family. How are properties priced there relative to median income and relative to rents? Are there a growing number of jobs and a growing population? Is it an increasingly popular area, drawing in people from other parts of the country who are cashing out of the bubble markets and coming to live like royalty for a lot less money?

"Chances are, you know at least one place that has all the earmarks of the New Boom Market. Using professional property management and perhaps working with local partners, you can invest in these places. And you can do it for a fraction of the prices you're currently seeing in your market … with much less risk (thanks to hefty rental coverage), and with far greater upside potential."

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All Marketers Are Liars

"You're a liar. So am I. Everyone's a liar."

That's how Seth Godin explains how most of us buy and sell things. In his book All Marketers Are Liars, he says, "We tell ourselves stories because we're superstitious. Stories are shortcuts we use because we're too overwhelmed by data to discover all the details. The stories we tell ourselves are lies that make it far easier to live in a very complicated world. We tell stories about products, services, friends, job seekers, the New York Yankees, and sometimes even the weather."

He gives an example: Georg Riedel, the owner of Riedel Glass, perpetuates the lie that wine drunk from a Riedel glass tastes better than it would if it were drunk from an ordinary glass. Tests done in Europe and the United States confirm this preference for quality wine glasses – and even prominent wine critic Robert Parker and Wine Spectator magazine promote the "lie," according to Godin. (I do too!)

When scientific "double-blind" studies are done, Godin says, we find that "there is absolutely zero detectible difference between glasses. A $1 glass and a $20 glass deliver precisely the same impact on the wine: none."

Godin doesn't provide those scientific studies. And I'm not even sure what he means by, "deliver the same impact." In fact, I think he's sloppy in his thinking about this and wrong on the facts. (I will never give up my belief in good wine glasses!)

Yet, he is making a very important point, one I make in almost every speech I give about marketing:

We don't usually buy things because we need them, we purchase things because we want them. And we want them because we've convinced ourselves (and good marketers reinforce the belief) that these things will make us feel better.

- Michael Masterson

Make Water Your Drink of Choice

"How much water do I need to drink on a daily basis?" "Is it okay to get some of my water from other drinks and food?"

Of all the questions I receive, I am surprised by how many of them are about water. And the confusion is understandable. Some sources say you should drink a gallon or more per day. Then there is one well-known doctor who believes that water consumption is overrated. He writes that he has "not had a glass of water in 20 years."

So … how much water should you be drinking?

There is no set amount. It depends on the foods and other drinks you consume, how much you weigh, and your level of activity. The best way I know to gauge your level of hydration is to pay attention to the color of your urine. Unless you are taking vitamins that change the color, your urine should be a very light yellow. If it is dark or bright yellow, it can be a sign that you are dehydrated.

In his book Your Body's Many Cries for Water, Dr. F. Batmanghelidj presents a compelling case that chronic dehydration is a contributing factor in the many degenerative diseases plaguing our society. And it's not surprising. Water is your most essential nutrient, and every system in your body depends on it.

I hope one of your main goals for 2006 is to achieve optimal health. Toward that end, promise yourself that, starting today, you will make water your drink of choice – and that you will choose spring water (from a trusted source) or tap water that has been purified to remove chlorine, fluoride, and other contaminants.

- Jon Herring

Follow Up as Soon as You Hang Up

After an initial conversation with a prospect, don't wait to start your follow up. While you're still fresh in his mind, send an e-mail message in which you:

1. Thank him for his interest in your service.

2. Express your understanding of the challenge he faces. (Use as many of the words he used as you can.)

3. Refer to an experience or project in your background that supports your claim that you are the right person to help him.

4. Provide a link to your website that he can click on to learn more about you and your service.

5. Make the next move. ("I will call you Thursday morning to make sure I have answered all your questions …")

- Ilise Benun

[Ed. Note: Ilise Benun is an expert in the art of self-promotion. Sign up for her e-mail tips from Marketing Mentor here.]

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And the best part is the system makes short work of the whole thing

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Word
to the Wise: Median

The "median" (MEE-dee-un) is the midpoint of a series of numbers that are arranged in order of value. The word is derived from the Latin "medius" ("middle").

Example (as Justin Ford used it today): "The median selling price of a house is now five times or more the median income in your area."

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Wednesday , January 11, 2006
Message #1623

WEALTHY: Was there ever a real estate bubble?
(Michael
Masterson)

HEALTHY: The dietary change that will have
the biggest impact on your health

WISE: Robert Mapplethorpe on unexpected
opportunities

ALSO IN THIS ISSUE:

The real reason this money-making opportunity
is passing you by (Jim Sheridan)

What are the chances your next flight will
be on time?

Add the word "nadir" to your
vocabulary

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The
Attributes of People Who Have Personal Power, #2 of 12:

They
understand how to follow

"Leadership
is like ballroom dancing. You have to know how to follow
in order to be a good leader. Great leaders understand
how to follow. Just like in dancing, you can lead your
team by throwing your weight around and yanking your followers
with you. Or you can learn the secrets of leadership and
arrive at your destination sooner – with better results
and much happier followers – by putting yourself in their
shoes to see things from their perspective.

"I
learned how to be a better ballroom dancer when I understood
how my partner felt by being yanked around. It's the same
in business: You have to understand how it feels to be
poorly led. Effective leaders each understand the importance
of knowledge, preparation, and awareness. Leadership means
persuading people to follow you. And doing that means
you have to be willing to lead. Just like becoming a great
ballroom dancer, becoming a good leader takes practice."

-
Michael Masterson

[Ed.
Note: Through January 23rd, we are excerpting highlights
from Michael Masterson's new book Power and Persuasion.
If you would like to learn no-B.S. secrets for commanding
success in your personal and business life, based on Michael's
40 years of down-in-the-trenches business experience,
you
can pick up a copy here.]

The
Real Estate Outlook for 2006

According to the National Association of Realtors, there are more houses on the market today than at any time in the last 19 years. At the same time, housing sales have fallen for the last several months. That adds up to a picture that looks like it should be titled "The end of the real estate bubble in America."

But was there ever an American real estate bubble? Or was it a local thing?

I read an article recently in The New York Times which pointed out that (except for the New York area, Southern California, Florida, and a few other spots), most of the country has been unaffected by the so-called "bubble." In fact, the cost of an entry- or mid-level home in most parts of the country is less now than it was 25 years ago.

If you compare average mortgage costs as a percentage of average income, housing costs are lower today, the article said. Generally speaking, Americans are paying only about 20% of their income for housing. That's about five percentage points lower than in 1980.

Much of the reason for this is because (1) people are buying less-conservative (i.e. low- or no-amortization) mortgages, and (2) interest rates have been lower than they were in the 1980s. But those lower costs are also due to the fact that in many parts of the country the costs of buying housing didn't appreciate as much as it did in the hottest areas.

I've been looking at some of the deals Justin Ford has been scouting in Austin, Texas … and I can tell you that they look much better, in terms of pricing and projected ROIs, than anything you can find in Florida. The same is true for the proposals EP has brought me from the Phoenix area.
 
Back here in Boca Raton and Delray Beach, you can almost hear the air rush out of the bubble. Since Hurricane Wilma, there have been, comparatively speaking, very few properties sold. At The Oaks in West Boca – a community in which I made a big investment (and probably Palm Beach County's hottest development for the last several years), sales have come to a virtual halt. The developers are hoping things will pick up this month … but the jury is out. I've got most of my local properties up for sale (as do some of my partners). Yet, I've sold only one condo. (No complaints there. I made a $176,000 profit on a $70,000 investment in three years.) I expect to see my other properties selling for 15% to 30% less than what I might have sold them for six months ago. We'll see.

Prices in this area are still high because they are not based on recent sales of comparable properties. They are based on what was happening six months ago. And that, in turn, was based on 10 years of non-stop, double-digit price inflation. If sales don't increase quickly in the new year, I believe we'll see a significant drop in prices when all the amateur speculators realize they can't afford to hold onto their dismal, small ($200,000 to $350,000) properties because of the ridiculous property taxes ($4,000 to $7,000 a year) … and because of post-hurricane windstorm insurance ($1,500 to $3,000). Not to mention rising interest rates.

Yes, it's a perfect storm against real estate in Florida. That's why I've been selling my properties here (except for my house and office) and plan to reinvest much of my real estate portfolio (which has appreciated about 35% a year for 10 years – again, I'm not complaining) into places that didn't appreciate as dramatically and so still have room to grow. I'm considering places like Phoenix and coastal areas in Latin America and the Caribbean (such as my property in Nicaragua) that will offer retiring baby boomers a slice of paradise for what they'd pay for the condo from hell in South Florida or Southern California. According to the National Association of Realtors, there are more houses on the market today than at any time in the last 19 years. At the same time, housing sales have fallen for the last several months. That adds up to a picture that looks like it should be titled “The end of the real estate bubble in America.”

But was there ever an American real estate bubble? Or was it a local thing?

I read an article recently in The New York Times which pointed out that (except for the New York area, Southern California, Florida, and a few other spots), most of the country has been unaffected by the so-called "bubble." In fact, the cost of an entry- or mid-level home in most parts of the country is less now than it was 25 years ago.

If you compare average mortgage costs as a percentage of average income, housing costs are lower today, the article said. Generally speaking, Americans are paying only about 20% of their income for housing. That’s about five percentage points lower than in 1980.

Much of the reason for this is because (1) people are buying less-conservative (i.e. low- or no-amortization) mortgages, and (2) interest rates have been lower than they were in the 1980s. But those lower costs are also due to the fact that in many parts of the country the costs of buying housing didn’t appreciate as much as it did in the hottest areas.

I’ve been looking at some of the deals Justin Ford has been scouting in what he calls “the Secret Sunbelt Cities,” These are a handful of small cities he’s identified that have diversified economies, growing jobs and population, and a high quality of life… yet haven’t been affected by the real estate bubble in other areas… yet. 

I I can tell you that the values he’s uncovered look much better, in terms of pricing and projected ROIs, than anything you can find in Florida. The same is true for the proposals EP has brought me from similar areas.
 
Back here in Boca Raton and Delray Beach, you can almost hear the air rush out of the bubble. Since Hurricane Wilma, there have been, comparatively speaking, very few properties sold. At The Oaks in West Boca – a community in which I made a big investment (and probably Palm Beach County’s hottest development in the last several years), sales have come to a virtual halt. The developers are hoping things will pick up this month … but the jury is out. I’ve got most of my local properties up for sale (as do some of my partners). Yet, I’ve sold only one condo. (No complaints there. I made a $176,000 profit on a $20,000 investment in three years.) I expect to see my other properties selling for 15% to 30% less than what I might have sold them for six months ago. We’ll see.  [NOTE TBD: I changed $70k investment to $20k because assuming you put 10% ($7k) down and then closing costs and some remodeling and you’re probably in it for $20k max.  From there, the rents paid for everything.]

Prices in this area are still high … because they are not based on recent sales of comparable properties. They are based on what was happening six months ago. And that, in turn, was based on 10 years of non-stop, double-digit price inflation. If sales don’t increase quickly in the new year, I believe we’ll see a significant drop in prices when all the amateur speculators realize they can’t afford to hold onto their dismal, small ($200,000 to $350,000) properties because of the ridiculous property taxes ($4,000 to $7,000 a year) … and because of post-hurricane windstorm insurance ($1,500 to $3,000). Not to mention rising interest rates.

Yes, it’s a perfect storm against real estate in Florida. That’s why I’ve been selling my properties here (except for my house and office) and plan to reinvest much of my real estate portfolio (which has appreciated about 35% a year for 10 years – again, I’m not complaining) into places that didn’t appreciate as dramatically as Delray Beach and so still have room to grow. I'm considering places like Phoenix and coastal areas in Latin America and the Caribbean (such as my property in Nicaragua) that will offer retiring baby boomers a slice of paradise for what they’d pay for the condo from hell in South Florida or Southern California.

Tomorrow, ETR's real estate expert Justin Ford will give you the details of what we think you should be doing with your real estate portfolio in the coming year.

- Michael Masterson

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Robert Mapplethorpe

Your
Unexpected Resolution for 2006

By
Jim Sheridan

Needless
to say, my gym was packed on New Year's Day. Hmmm. I wonder
how busy it will be in February? How many people who make resolutions
on January 1 actually pull them off? Not many.

Why
is that??

We've
all been there. That feeling of a fresh start seems magically
implanted into our psyche (or is that the headache from New
Year's Eve?) and we start looking at life and how it can be
improved. "I want a better body" … "I want
to make more money" … "I want to give up smoking"
… "I'm not going to go to those swinger parties anymore."
The list is endless. Our intentions are honorable and our will
is forged of iron.

So,
what goes wrong?

Stay
with me. I'm about to tell you about an enormous profit opportunity
for 2006. But first, I want to make sure I can help you pull
it off by equipping you to go the distance …

I
believe there are 3 explanations as to what goes wrong:

1.
"Old habits die hard," as the saying goes.

2.
You don't want it badly enough.

3.
Like everyone else, you are uncomfortable with new things/places/situations.

Let's
look at each one of these possibilities …

1.
Old habits die hard.

As
I explain in The
Billionaire Way, if you can religiously keep
up a new regimen for just 30 days, it becomes habit. You see,
habits are double-edged swords. You can develop good ones
just the same way as you can develop bad ones. The trick is
to undo the "bad" cycle.

Going
to the gym is a good example. At first, it feels like hard
work just to get out the door and go. But do it each and every
day for 30 days solid, and it feels abnormal NOT to go. The
first fence is the hardest … but the most critical.

2.
You don't want it enough.

The
difficulty here is that we all want a quick fix. We need to
see immediate results to spur us on to keep at it. So you
have to employ an element of faith … and patience, too.
Using the gym analogy again, it will seem like nothing is
happening for 2-3 weeks. Then, all of a sudden, you'll actually
SEE and FEEL improvement. Results! This will encourage you
to go the distance. Your desire will have been jumpstarted
by the promise of a payoff. But, again, at the beginning you
just have to stick with it.

3.
Like everyone else, you are uncomfortable with new things/places/situations.

This
is the one I want to focus on: your discomfort with new situations.
Because today's greatest money-making opportunity is passing
many people by … simply because of their fear of the unknown
… their fear of the Internet.

So
I would like you to make this New Year's resolution for 2006:

I
will learn basic Internet marketing … and put it to use!

And
you really do need to learn just BASIC Internet marketing in
order to take advantage of this opportunity. When it comes to
the Internet, we're still in the days of the "Wild West"
– with plenty of openings for new players to get firmly established.
But the Pony Express is leaving.

The
fear of Internet marketing is caused by nothing more than a
web of myths and misdirection. Here are the classic false assumptions
that most people make:

1.
I have to be technically minded and know how to build a website.

2.
I need an original idea and product of my own.

3.
I need a huge advertising budget like all the big "dot-coms."

4.
I can't compete against the big players.

That's
right. They're all baloney. BUT, it's this general fear and
confusion that creates a HUGE opportunity for you in 2006 …

Many
people and corporations want to get in on the Internet ATM,
but are frightened off. And wherever there's fear of the unknown,
there's a need for consultants. In this case, Internet marketing
consultants.

"Me?
An Internet marketing consultant?" Yes, you!

Listen,
there are still many companies that are doing very nicely but
don't have a website. And even if they do, they don't do any
online marketing.

Your
opportunity is to become a no-fee consultant to these existing
businesses that have no interest or inclination to do Internet
marketing. You would offer them a deal they can't refuse by
getting just 10% of whatever you make for them online.

I
know people who make a 6-figure income doing the most basic
stuff … which you can learn in a very short time indeed. A
little networking, a few referrals … and you're on your way.

In
addition to that, you can have your own website … selling
completely unoriginal products and going head to head with the
"big boys." And all of this is possible when you make
a commitment to understand basic Internet marketing.

[Ed.
Note: Jim Sheridan, a retired 737 airline captain, is owner
and president of multi-million-dollar direct-marketing companies
in the U.S. and Europe. He is a professional copywriter ...
public speaker ... commercial property developer ... regular
trader of world currencies and commodities ... and Internet
marketing consultant to a Nasdaq-listed corporation.]

Today's
Resolution

Start
by making a commitment to discover the kind of inside knowledge
of Internet marketing that Jim referred to today. One
way to do that is by attending events like the one he's holding
March 24-26 in his hometown of Orlando, Florida.
Then, keep your eyes open for opportunities.

Ideally,
you want to find larger companies selling physical items that
are as close to the source of manufacture as possible … companies
that either don't have a website and/or are not directing any
traffic to it. People are used to being pitched with bogus promises
by companies that charge them for doing nothing more than submitting
their websites to search engines. A worthless "service."
So make sure they understand that you want only 10% of the online
profit you're going to make for them.

Get
yourself a webmaster – somebody who has the technical knowledge
to put up and develop a website for you. Then work through your
webmaster to apply your Internet marketing knowledge.

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The
Dietary Change You Absolutely Must Make This Year

One
of the most important health goals you can set for yourself
in 2006 will take you less than a minute a day. Yet, it can
dramatically reduce your risk of heart disease, cancer, and
diabetes. It can help you lose weight, strengthen your immune
system, and slow down the aging process. It can reduce pain
and inflammation in your body. And it can also improve your
brain function, reduce your risk of Alzheimer's, and even help
you avoid or overcome depression.

I'm talking about making a resolution to supplement your diet
with fish oil every day to help balance the ratio of omega-3
fatty acids to omega-6 fatty acids in your diet.

Ideally, you should consume these essential fats in roughly
equal amounts. However, the typical American diet includes 20
times more omega-6 fats. This is a prescription for disaster.
To achieve the proper ratio, avoid foods that contain vegetable
oils. (Read the labels … they're in almost all processed foods.)
You should also avoid conventionally raised meats (like grain-fed
beef), which have an unnaturally high amount of omega-6 fats.
At the same time, increase your omega-3s by taking fish oil
(not flax oil).

I
can think of very few things that will impact your long-term
health and reduce your risk of disease more than making this
simple change.

-
Jon Herring

It's
Good to Know: The Most Punctual Airports

With
so much air travel – about 7 million flights last year – delays
are not only expected, they are inevitable. According to the
Bureau of Transportation Statistics, your chances of taking
off on time depend on the airport you're departing from.

In
2005, Cincinnati's Northern Kentucky International Airport and
Washington, D.C.'s Ronald Reagan National Airport saw on-time
departures 90% of the time. Some of the busiest airports in
the country also made the top 20 list, including Denver International
Airport, Salt Lake City International, La Guardia, JFK, and
Los Angeles International.

And
what about arrivals? Salt Lake City International ranked first,
with 84% of flights arriving on time. Denver, Dallas/Fort Worth,
and Los Angeles International also made the top 10. At the nadir
(see Word to the Wise, below) of the list – with only 66%-70%
of their arrivals on time – were JFK, La Guardia, and Newark
Liberty International.

Word
to the Wise: Nadir

The
"nadir" (NAY-dur) of something is
its lowest point. The word is derived from the Arabic "nazir."

Example
(as used in It's Good to Know, above): "At the nadir of
the [Bureau of Transportation Statistics] list – with only 66%-70%
of their arrivals on time – were JFK, La Guardia, and Newark
Liberty International."

Michael
Masterson
Copyright ETR, LLC, 2006

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www.earlytorise.com
Tuesday , January 10, 2006
Message #1622

WEALTHY: More than 50 businesses you can start for under $100 (Paul Lawrence)

HEALTHY: How can fat help you lose weight?

WISE:

Plato on the importance of getting started

ALSO IN THIS ISSUE:

A New York Times interview with "the know-it-all from hell" (Michael Masterson)

Great marketing ideas right under your nose (Will Newman)

Add the word "polymath" to your vocabulary

*
Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

The Attributes of People Who Have Personal Power, #1 of 12:

They do NOT "look out for Number One"

"The most successful businesspeople I know don't spend a lot of time focusing on themselves. Instead, they focus on goals – growing the business, improving the product, pleasing the customer. "They are outwardly focused, which means they tend to be people-friendly, loyal, and eager to improve things. They're not concerned about where they fall in the pecking order – whether in the industry or in the business. They focus on work, not politics … on goals, not crisis. And they purposefully use their strongest talents."

- Michael Masterson

[Ed. Note: Starting today, and continuing through January 23rd, we are excerpting highlights from Michael Masterson's new book Power and Persuasion. If you would like to learn no-B.S. secrets for commanding success in your personal and business life, based on Michael's 40 years of down-in-the-trenches business experience, you can pick up a copy here.

"The beginning is the most important part of the work."

- Plato

Make Your Resolution a Reality

By Paul Lawrence

Blanca was facing a scary proposition as the New Year rolled in. She was an immigrant from Peru and hardly spoke English. Yet, she was here in America ... and needed to earn more money.

That was four years ago. A lot has changed for Blanca since then. Now, after developing a business that she sold for an enormous profit, she is operating a second successful business. And she did it all with no capital. She used a proven business system that I'll tell you more about in a moment.

But first, let's talk about you ...

Perhaps you're making (or thinking of making) a New Year's resolution to start your own business. If so, you're one of millions of people who made the same vow. The sad truth is, though, that a very large percentage of those businesses will never actually get off the ground.

It's easy to understand how this happens. Starting a new business can be intimidating. It's even worse if you have limited start-up capital and/or can't make ends meet without the income from your current job. But this didn't hold Blanca back ... and it doesn't have to put your goals on hold. You can do what Blanca did. You can start your own "microbusiness."

A microbusiness is a small business that has the potential to produce a six-figure income for you - but can be started with almost no capital ... on a part-time basis ... and without having extensive expertise.

Many people don't even consider starting a business, because they think "It takes money to make money." But with a microbusiness, this simply isn't so. Let me share with you an important strategy that can help you start your own microbusiness with practically no capital:

You put your initial efforts into obtaining customers ... NOT into setting up your infrastructure.

One of the most important elements in starting a microbusiness (or any business, for that matter) is to get the customers right away. Because when you've got customers, you can find creative ways to finance your start-up and your growth. Here are two examples of what I'm talking about:

1. Use your customer base to persuade suppliers to give you credit.

Let's face it. With no capital and nothing but a plan, a supplier isn't going to extend you credit. However, if you have a healthy list of customers waiting to do business with you, that makes you a pretty good risk - and you shouldn't have any trouble finding wholesalers that will be willing to work with you to help you get started. Your best bet will be to target smaller supply houses that are likely to be hungry for new business.

2. Let your customers fund your business.

There are a number of businesses that allow you to collect payment from your customers up front ... and then provide the goods. With a business like this, there are virtually no capital limitations to your growth. Can you afford to sell 10,000 shovels? As long as you're collecting the money for the shovels first, yes. You can. There are also businesses where you collect an initial deposit, and then collect the balance upon final delivery of the goods. (In these cases, the deposit usually covers your hard costs and the balance is your profit.) And with many service businesses, you either collect or start billing immediately after completing the job.

Here are a few types of businesses that work this way:

Home Improvement Products

This category includes selling such things as ceramic tile, carpet, etc. By setting up a relationship with a vendor that provides you with a catalog and/or samples, you can market these products to your customers in their own homes. When they place the order, you collect a deposit that covers your costs. Because you don't have to pay for a business location or maintain an inventory, you have virtually no overhead.

Direct Marketing

Whether you do your direct marketing via the Internet or mail-order, the customer almost always pays for the product before it is shipped. Depending on what you're selling, you can fulfill the orders yourself ... or have the product drop-shipped directly from the manufacturer.

Maintenance Services

There are dozens of maintenance businesses that service both residential and commercial customers - from landscaping to housekeeping (which is the kind of microbusiness I helped Blanca start). What they all have in common is that the moment you start the service, you can begin billing for it. It can take a few weeks for the money to start rolling in - but once it does, you have a constant flow of income.

After the success Blanca had with her housekeeping service, I helped other people set up their own microbusinesses. They were all so successful that I was encouraged to formalize my system and offer it to anyone who is interested in starting a profitable business with practically no capital.

I call it The Quick and Easy Microbusiness System. It includes:

Over 50 proven microbusinesses you can start with under $100

Detailed information on each microbusiness to help you quickly figure out which one is right for you

A step-by-step explanation of how to legally start your microbusiness without spending a fortune on lawyers and accountants

How to find cheap, reliable employees to do the work ... while you reap the profits

The Microbusiness Instant Customer Acquisition Method - which will put you in your own business within 24 hours

You can take control of your destiny and become financially independent ... just like Blanca did. And with The Quick and Easy Microbusiness System, you can make it start happening in as little as one week.

So ... what are you waiting for?

Today's Resolution

As Michael Masterson always says, "Ready ... Fire ... Aim!"

If you dream of being in business for yourself, go ahead and do something about it! Make it one of your goals for 2006 to take a meaningful step toward becoming self-employed. Paul's Quick and Easy Microbusiness System just might do it for you.

* Advertisement *

“By Mistake, I Made $3012 in 48 Hours from the Internet...

At first they thought she was just a dumb blonde having another one of those "dumb blond" moments.

But they soon found out this young secretary, Vicky Smith, had accidentally stumbled across a "hidden back door" to achieving financial independence.

And now she's explaining how to set up one of these automatic income streams yourself - in less than one hour!

If getting a nice cash income started almost immediately is something you'd be interested in, I urge you to read Vicky's surprising by clicking here.

http://www.isecureonline.com/Reports/700STGB/E700G156/

An Interesting Interview With a Very Interesting Thinker

A recent profile (by Deborah Solomon in The New York Times) of someone named Peter Watson has caught my interest. Watson is the author of a new book - A History of Thought and Invention, From Fire to Freud - which claims to "chronicle all the major ideas in the world since the invention of the hand ax two million years ago.

NYT: Are you trying to be a polymath? (See Word to the Wise, below.)

WATSON: My wife says I am the know-it-all from hell.

NYT: What do you think is the single worst idea in history?

WATSON: Without question, ethical monotheism. The idea of one true god. The idea that our life and ethical conduct on earth determines how we will go in the next world. This has been responsible for most of the wars and bigotry in history.

NYT: But religion has also been responsible for investing countless lives with meaning and inner richness.

WATSON: I lead a perfectly healthy, satisfactory life without being religious. And I think more people should try it.

NYT: It sounds like you're starting your own church.

WATSON: Not at all. I do not believe in the inner world. I think that the inner world comes from the exploration of the outer world - reading, traveling, and thinking. I do not believe that meditation or cogitation leads to wisdom or peace or truth.

NYT: Then I don't understand why you would want to write a history of ideas, since inner reflection and dreaminess surely count at least as much as scientific experiment in the formation of new ideas.

WATSON: To paraphrase the English philosopher John Gray, it is more sensible to look out on the world from a zoo than from a monastery. Science, or looking out, is better than contemplation, or looking in.

NYT: You strike me as deeply unanalyzed. Have you considered seeing a psychiatrist?

WATSON: I was a psychiatrist. I left because I thought Freud was rubbish.

NYT: Where did you train?

WATSON: At the Tavistock Clinic in London. I left in the late 60s because I thought Freudian therapy was a waste of time. I don't believe there is any such thing as the unconscious or the id.

NYT: In that case, where do you think ideas come from?

WATSON: I don't think they come out of daydreaming. Everybody who has had a great idea or made a great realization has been working very hard on it, and often they have failed many times. You don't go from nothing to a great idea without doing a lot of work.

- Michael Masterson

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The Essential Macronutrients in Your Diet, Part 3: Fat

The right fats can dramatically reduce your risk of heart disease, cancer, Alzheimer's, and other diseases. And they can even help you lose weight.

At City of Hope Medical Center in California, researchers studied two groups of men. One group consumed a high-fat, low-calorie diet. The other group followed a low-fat diet with the same number of calories. The men on the high-fat diet lost 63% more weight.

So, what are the RIGHT fats? Animal fats are very healthy ... if the animals are raised on their natural diet. For example, grain-fed beef can have 500% more saturated fat than grass-fed beef. (Saturated fat is healthy in small, naturally occurring amounts, but too much can be harmful.)

I hope you will make it one of your goals for 2006 to improve your health by choosing to eat healthy fats. These include not only fats from naturally raised animal products, but also fish oil, olive oil, coconut oil, walnut and macadamia nut oils, avocados, and nuts. At the same time, limit your intake of processed vegetable oils (like corn and soybean oils), which are in almost all processed foods. And completely avoid any product with the word "hydrogenated" on the label.

- Jon Herring

Improve Your Marketing by Learning From the Biggest Winners

Every day, you get some of the best marketing ideas out there - and they don't cost you a penny. I'm talking about the direct-mail promotions in your mailbox.

If you want a steady supply of proven ideas, "seed" your name onto mailing lists that mail successful packages. If the same promotion arrives in your mailbox more than once, it's probably a winner for the company that's sending it. Buy what it's selling. (If you don't like it, take advantage of the guarantee to get your money back.) Once you buy something through direct mail, your name will soon appear on all the top mailing lists. That will provide you with tons of material that you can learn from and apply to your own marketing efforts.

- Will Newman

[Ed. Note: Will Newman, a regular contributor to ETR, is the editor of AWAI's The Golden Thread online newsletter. Learn how to subscribe to it - and how to discover AWAI's proven marketing secrets - here: The Golden Thread  .]

A "polymath" (POL-ee-math) is a person of great or varied learning. The word is derived from the Greek "polumathes."

Example (as used in the New York Times interview with Peter Watson that I quoted today):

NYT: Are you trying to be a polymath?

WATSON: My wife says I am the know-it-all from hell.

Michael
Masterson
Copyright ETR, LLC, 2006 ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer: The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Tuesday , January 10, 2006
Message #1622

WEALTHY: More than 50 businesses you can start for under $100 (Paul Lawrence)

HEALTHY: How can fat help you lose weight?

WISE:

Plato on the importance of getting started

ALSO IN THIS ISSUE:

A New York Times interview with "the know-it-all from hell" (Michael Masterson)

Great marketing ideas right under your nose (Will Newman)

Add the word "polymath" to your vocabulary

*
Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

The Attributes of People Who Have Personal Power, #1 of 12:

They do NOT "look out for Number One"

"The most successful businesspeople I know don't spend a lot of time focusing on themselves. Instead, they focus on goals – growing the business, improving the product, pleasing the customer. "They are outwardly focused, which means they tend to be people-friendly, loyal, and eager to improve things. They're not concerned about where they fall in the pecking order – whether in the industry or in the business. They focus on work, not politics … on goals, not crisis. And they purposefully use their strongest talents."

- Michael Masterson

[Ed. Note: Starting today, and continuing through January 23rd, we are excerpting highlights from Michael Masterson's new book Power and Persuasion. If you would like to learn no-B.S. secrets for commanding success in your personal and business life, based on Michael's 40 years of down-in-the-trenches business experience, you can pick up a copy here.

"The beginning is the most important part of the work."

- Plato

Make Your Resolution a Reality

By Paul Lawrence

Blanca was facing a scary proposition as the New Year rolled in. She was an immigrant from Peru and hardly spoke English. Yet, she was here in America ... and needed to earn more money.

That was four years ago. A lot has changed for Blanca since then. Now, after developing a business that she sold for an enormous profit, she is operating a second successful business. And she did it all with no capital. She used a proven business system that I'll tell you more about in a moment.

But first, let's talk about you ...

Perhaps you're making (or thinking of making) a New Year's resolution to start your own business. If so, you're one of millions of people who made the same vow. The sad truth is, though, that a very large percentage of those businesses will never actually get off the ground.

It's easy to understand how this happens. Starting a new business can be intimidating. It's even worse if you have limited start-up capital and/or can't make ends meet without the income from your current job. But this didn't hold Blanca back ... and it doesn't have to put your goals on hold. You can do what Blanca did. You can start your own "microbusiness."

A microbusiness is a small business that has the potential to produce a six-figure income for you - but can be started with almost no capital ... on a part-time basis ... and without having extensive expertise.

Many people don't even consider starting a business, because they think "It takes money to make money." But with a microbusiness, this simply isn't so. Let me share with you an important strategy that can help you start your own microbusiness with practically no capital:

You put your initial efforts into obtaining customers ... NOT into setting up your infrastructure.

One of the most important elements in starting a microbusiness (or any business, for that matter) is to get the customers right away. Because when you've got customers, you can find creative ways to finance your start-up and your growth. Here are two examples of what I'm talking about:

1. Use your customer base to persuade suppliers to give you credit.

Let's face it. With no capital and nothing but a plan, a supplier isn't going to extend you credit. However, if you have a healthy list of customers waiting to do business with you, that makes you a pretty good risk - and you shouldn't have any trouble finding wholesalers that will be willing to work with you to help you get started. Your best bet will be to target smaller supply houses that are likely to be hungry for new business.

2. Let your customers fund your business.

There are a number of businesses that allow you to collect payment from your customers up front ... and then provide the goods. With a business like this, there are virtually no capital limitations to your growth. Can you afford to sell 10,000 shovels? As long as you're collecting the money for the shovels first, yes. You can. There are also businesses where you collect an initial deposit, and then collect the balance upon final delivery of the goods. (In these cases, the deposit usually covers your hard costs and the balance is your profit.) And with many service businesses, you either collect or start billing immediately after completing the job.

Here are a few types of businesses that work this way:

Home Improvement Products

This category includes selling such things as ceramic tile, carpet, etc. By setting up a relationship with a vendor that provides you with a catalog and/or samples, you can market these products to your customers in their own homes. When they place the order, you collect a deposit that covers your costs. Because you don't have to pay for a business location or maintain an inventory, you have virtually no overhead.

Direct Marketing

Whether you do your direct marketing via the Internet or mail-order, the customer almost always pays for the product before it is shipped. Depending on what you're selling, you can fulfill the orders yourself ... or have the product drop-shipped directly from the manufacturer.

Maintenance Services

There are dozens of maintenance businesses that service both residential and commercial customers - from landscaping to housekeeping (which is the kind of microbusiness I helped Blanca start). What they all have in common is that the moment you start the service, you can begin billing for it. It can take a few weeks for the money to start rolling in - but once it does, you have a constant flow of income.

After the success Blanca had with her housekeeping service, I helped other people set up their own microbusinesses. They were all so successful that I was encouraged to formalize my system and offer it to anyone who is interested in starting a profitable business with practically no capital.

I call it The Quick and Easy Microbusiness System. It includes:

Over 50 proven microbusinesses you can start with under $100

Detailed information on each microbusiness to help you quickly figure out which one is right for you

A step-by-step explanation of how to legally start your microbusiness without spending a fortune on lawyers and accountants

How to find cheap, reliable employees to do the work ... while you reap the profits

The Microbusiness Instant Customer Acquisition Method - which will put you in your own business within 24 hours

You can take control of your destiny and become financially independent ... just like Blanca did. And with The Quick and Easy Microbusiness System, you can make it start happening in as little as one week.

So ... what are you waiting for?

Today's Resolution

As Michael Masterson always says, "Ready ... Fire ... Aim!"

If you dream of being in business for yourself, go ahead and do something about it! Make it one of your goals for 2006 to take a meaningful step toward becoming self-employed. Paul's Quick and Easy Microbusiness System just might do it for you.

* Advertisement *

“By Mistake, I Made $3012 in 48 Hours from the Internet...

At first they thought she was just a dumb blonde having another one of those "dumb blond" moments.

But they soon found out this young secretary, Vicky Smith, had accidentally stumbled across a "hidden back door" to achieving financial independence.

And now she's explaining how to set up one of these automatic income streams yourself - in less than one hour!

If getting a nice cash income started almost immediately is something you'd be interested in, I urge you to read Vicky's surprising by clicking here.

http://www.isecureonline.com/Reports/700STGB/E700G156/

An Interesting Interview With a Very Interesting Thinker

A recent profile (by Deborah Solomon in The New York Times) of someone named Peter Watson has caught my interest. Watson is the author of a new book - A History of Thought and Invention, From Fire to Freud - which claims to "chronicle all the major ideas in the world since the invention of the hand ax two million years ago.

NYT: Are you trying to be a polymath? (See Word to the Wise, below.)

WATSON: My wife says I am the know-it-all from hell.

NYT: What do you think is the single worst idea in history?

WATSON: Without question, ethical monotheism. The idea of one true god. The idea that our life and ethical conduct on earth determines how we will go in the next world. This has been responsible for most of the wars and bigotry in history.

NYT: But religion has also been responsible for investing countless lives with meaning and inner richness.

WATSON: I lead a perfectly healthy, satisfactory life without being religious. And I think more people should try it.

NYT: It sounds like you're starting your own church.

WATSON: Not at all. I do not believe in the inner world. I think that the inner world comes from the exploration of the outer world - reading, traveling, and thinking. I do not believe that meditation or cogitation leads to wisdom or peace or truth.

NYT: Then I don't understand why you would want to write a history of ideas, since inner reflection and dreaminess surely count at least as much as scientific experiment in the formation of new ideas.

WATSON: To paraphrase the English philosopher John Gray, it is more sensible to look out on the world from a zoo than from a monastery. Science, or looking out, is better than contemplation, or looking in.

NYT: You strike me as deeply unanalyzed. Have you considered seeing a psychiatrist?

WATSON: I was a psychiatrist. I left because I thought Freud was rubbish.

NYT: Where did you train?

WATSON: At the Tavistock Clinic in London. I left in the late 60s because I thought Freudian therapy was a waste of time. I don't believe there is any such thing as the unconscious or the id.

NYT: In that case, where do you think ideas come from?

WATSON: I don't think they come out of daydreaming. Everybody who has had a great idea or made a great realization has been working very hard on it, and often they have failed many times. You don't go from nothing to a great idea without doing a lot of work.

- Michael Masterson

* Advertisement *

Your Opportunity to Become a Millionaire... In 3 Minutes a Week!

Imagine a risk-averse investment that could help your money grow by 5% PER MONTH. Imagine if this strategy were effortless...requiring only 10 to 15 minutes of your time each month. This strategy does exist... and here is how you can take a RISK-FREE test drive.

http://www.isecureonline.com/Reports/3MT/E3MTFC01/

The Essential Macronutrients in Your Diet, Part 3: Fat

The right fats can dramatically reduce your risk of heart disease, cancer, Alzheimer's, and other diseases. And they can even help you lose weight.

At City of Hope Medical Center in California, researchers studied two groups of men. One group consumed a high-fat, low-calorie diet. The other group followed a low-fat diet with the same number of calories. The men on the high-fat diet lost 63% more weight.

So, what are the RIGHT fats? Animal fats are very healthy ... if the animals are raised on their natural diet. For example, grain-fed beef can have 500% more saturated fat than grass-fed beef. (Saturated fat is healthy in small, naturally occurring amounts, but too much can be harmful.)

I hope you will make it one of your goals for 2006 to improve your health by choosing to eat healthy fats. These include not only fats from naturally raised animal products, but also fish oil, olive oil, coconut oil, walnut and macadamia nut oils, avocados, and nuts. At the same time, limit your intake of processed vegetable oils (like corn and soybean oils), which are in almost all processed foods. And completely avoid any product with the word "hydrogenated" on the label.

- Jon Herring

Improve Your Marketing by Learning From the Biggest Winners

Every day, you get some of the best marketing ideas out there - and they don't cost you a penny. I'm talking about the direct-mail promotions in your mailbox.

If you want a steady supply of proven ideas, "seed" your name onto mailing lists that mail successful packages. If the same promotion arrives in your mailbox more than once, it's probably a winner for the company that's sending it. Buy what it's selling. (If you don't like it, take advantage of the guarantee to get your money back.) Once you buy something through direct mail, your name will soon appear on all the top mailing lists. That will provide you with tons of material that you can learn from and apply to your own marketing efforts.

- Will Newman

[Ed. Note: Will Newman, a regular contributor to ETR, is the editor of AWAI's The Golden Thread online newsletter. Learn how to subscribe to it - and how to discover AWAI's proven marketing secrets - here: The Golden Thread  .]

A "polymath" (POL-ee-math) is a person of great or varied learning. The word is derived from the Greek "polumathes."

Example (as used in the New York Times interview with Peter Watson that I quoted today):

NYT: Are you trying to be a polymath?

WATSON: My wife says I am the know-it-all from hell.

Michael
Masterson
Copyright ETR, LLC, 2006 ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer: The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Tuesday , January 10, 2006
Message #1622

WEALTHY: More than 50 businesses you can start for under $100 (Paul Lawrence)

HEALTHY: How can fat help you lose weight?

WISE:

Plato on the importance of getting started

ALSO IN THIS ISSUE:

A New York Times interview with "the know-it-all from hell" (Michael Masterson)

Great marketing ideas right under your nose (Will Newman)

Add the word "polymath" to your vocabulary

*
Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

The Attributes of People Who Have Personal Power, #1 of 12:

They do NOT "look out for Number One"

"The most successful businesspeople I know don't spend a lot of time focusing on themselves. Instead, they focus on goals – growing the business, improving the product, pleasing the customer. "They are outwardly focused, which means they tend to be people-friendly, loyal, and eager to improve things. They're not concerned about where they fall in the pecking order – whether in the industry or in the business. They focus on work, not politics … on goals, not crisis. And they purposefully use their strongest talents."

- Michael Masterson

[Ed. Note: Starting today, and continuing through January 23rd, we are excerpting highlights from Michael Masterson's new book Power and Persuasion. If you would like to learn no-B.S. secrets for commanding success in your personal and business life, based on Michael's 40 years of down-in-the-trenches business experience, you can pick up a copy here.

"The beginning is the most important part of the work."

- Plato

Make Your Resolution a Reality

By Paul Lawrence

Blanca was facing a scary proposition as the New Year rolled in. She was an immigrant from Peru and hardly spoke English. Yet, she was here in America ... and needed to earn more money.

That was four years ago. A lot has changed for Blanca since then. Now, after developing a business that she sold for an enormous profit, she is operating a second successful business. And she did it all with no capital. She used a proven business system that I'll tell you more about in a moment.

But first, let's talk about you ...

Perhaps you're making (or thinking of making) a New Year's resolution to start your own business. If so, you're one of millions of people who made the same vow. The sad truth is, though, that a very large percentage of those businesses will never actually get off the ground.

It's easy to understand how this happens. Starting a new business can be intimidating. It's even worse if you have limited start-up capital and/or can't make ends meet without the income from your current job. But this didn't hold Blanca back ... and it doesn't have to put your goals on hold. You can do what Blanca did. You can start your own "microbusiness."

A microbusiness is a small business that has the potential to produce a six-figure income for you - but can be started with almost no capital ... on a part-time basis ... and without having extensive expertise.

Many people don't even consider starting a business, because they think "It takes money to make money." But with a microbusiness, this simply isn't so. Let me share with you an important strategy that can help you start your own microbusiness with practically no capital:

You put your initial efforts into obtaining customers ... NOT into setting up your infrastructure.

One of the most important elements in starting a microbusiness (or any business, for that matter) is to get the customers right away. Because when you've got customers, you can find creative ways to finance your start-up and your growth. Here are two examples of what I'm talking about:

1. Use your customer base to persuade suppliers to give you credit.

Let's face it. With no capital and nothing but a plan, a supplier isn't going to extend you credit. However, if you have a healthy list of customers waiting to do business with you, that makes you a pretty good risk - and you shouldn't have any trouble finding wholesalers that will be willing to work with you to help you get started. Your best bet will be to target smaller supply houses that are likely to be hungry for new business.

2. Let your customers fund your business.

There are a number of businesses that allow you to collect payment from your customers up front ... and then provide the goods. With a business like this, there are virtually no capital limitations to your growth. Can you afford to sell 10,000 shovels? As long as you're collecting the money for the shovels first, yes. You can. There are also businesses where you collect an initial deposit, and then collect the balance upon final delivery of the goods. (In these cases, the deposit usually covers your hard costs and the balance is your profit.) And with many service businesses, you either collect or start billing immediately after completing the job.

Here are a few types of businesses that work this way:

Home Improvement Products

This category includes selling such things as ceramic tile, carpet, etc. By setting up a relationship with a vendor that provides you with a catalog and/or samples, you can market these products to your customers in their own homes. When they place the order, you collect a deposit that covers your costs. Because you don't have to pay for a business location or maintain an inventory, you have virtually no overhead.

Direct Marketing

Whether you do your direct marketing via the Internet or mail-order, the customer almost always pays for the product before it is shipped. Depending on what you're selling, you can fulfill the orders yourself ... or have the product drop-shipped directly from the manufacturer.

Maintenance Services

There are dozens of maintenance businesses that service both residential and commercial customers - from landscaping to housekeeping (which is the kind of microbusiness I helped Blanca start). What they all have in common is that the moment you start the service, you can begin billing for it. It can take a few weeks for the money to start rolling in - but once it does, you have a constant flow of income.

After the success Blanca had with her housekeeping service, I helped other people set up their own microbusinesses. They were all so successful that I was encouraged to formalize my system and offer it to anyone who is interested in starting a profitable business with practically no capital.

I call it The Quick and Easy Microbusiness System. It includes:

Over 50 proven microbusinesses you can start with under $100

Detailed information on each microbusiness to help you quickly figure out which one is right for you

A step-by-step explanation of how to legally start your microbusiness without spending a fortune on lawyers and accountants

How to find cheap, reliable employees to do the work ... while you reap the profits

The Microbusiness Instant Customer Acquisition Method - which will put you in your own business within 24 hours

You can take control of your destiny and become financially independent ... just like Blanca did. And with The Quick and Easy Microbusiness System, you can make it start happening in as little as one week.

So ... what are you waiting for?

Today's Resolution

As Michael Masterson always says, "Ready ... Fire ... Aim!"

If you dream of being in business for yourself, go ahead and do something about it! Make it one of your goals for 2006 to take a meaningful step toward becoming self-employed. Paul's Quick and Easy Microbusiness System just might do it for you.

* Advertisement *

“By Mistake, I Made $3012 in 48 Hours from the Internet...

At first they thought she was just a dumb blonde having another one of those "dumb blond" moments.

But they soon found out this young secretary, Vicky Smith, had accidentally stumbled across a "hidden back door" to achieving financial independence.

And now she's explaining how to set up one of these automatic income streams yourself - in less than one hour!

If getting a nice cash income started almost immediately is something you'd be interested in, I urge you to read Vicky's surprising by clicking here.

http://www.isecureonline.com/Reports/700STGB/E700G156/

An Interesting Interview With a Very Interesting Thinker

A recent profile (by Deborah Solomon in The New York Times) of someone named Peter Watson has caught my interest. Watson is the author of a new book - A History of Thought and Invention, From Fire to Freud - which claims to "chronicle all the major ideas in the world since the invention of the hand ax two million years ago.

NYT: Are you trying to be a polymath? (See Word to the Wise, below.)

WATSON: My wife says I am the know-it-all from hell.

NYT: What do you think is the single worst idea in history?

WATSON: Without question, ethical monotheism. The idea of one true god. The idea that our life and ethical conduct on earth determines how we will go in the next world. This has been responsible for most of the wars and bigotry in history.

NYT: But religion has also been responsible for investing countless lives with meaning and inner richness.

WATSON: I lead a perfectly healthy, satisfactory life without being religious. And I think more people should try it.

NYT: It sounds like you're starting your own church.

WATSON: Not at all. I do not believe in the inner world. I think that the inner world comes from the exploration of the outer world - reading, traveling, and thinking. I do not believe that meditation or cogitation leads to wisdom or peace or truth.

NYT: Then I don't understand why you would want to write a history of ideas, since inner reflection and dreaminess surely count at least as much as scientific experiment in the formation of new ideas.

WATSON: To paraphrase the English philosopher John Gray, it is more sensible to look out on the world from a zoo than from a monastery. Science, or looking out, is better than contemplation, or looking in.

NYT: You strike me as deeply unanalyzed. Have you considered seeing a psychiatrist?

WATSON: I was a psychiatrist. I left because I thought Freud was rubbish.

NYT: Where did you train?

WATSON: At the Tavistock Clinic in London. I left in the late 60s because I thought Freudian therapy was a waste of time. I don't believe there is any such thing as the unconscious or the id.

NYT: In that case, where do you think ideas come from?

WATSON: I don't think they come out of daydreaming. Everybody who has had a great idea or made a great realization has been working very hard on it, and often they have failed many times. You don't go from nothing to a great idea without doing a lot of work.

- Michael Masterson

* Advertisement *

Your Opportunity to Become a Millionaire... In 3 Minutes a Week!

Imagine a risk-averse investment that could help your money grow by 5% PER MONTH. Imagine if this strategy were effortless...requiring only 10 to 15 minutes of your time each month. This strategy does exist... and here is how you can take a RISK-FREE test drive.

http://www.isecureonline.com/Reports/3MT/E3MTFC01/

The Essential Macronutrients in Your Diet, Part 3: Fat

The right fats can dramatically reduce your risk of heart disease, cancer, Alzheimer's, and other diseases. And they can even help you lose weight.

At City of Hope Medical Center in California, researchers studied two groups of men. One group consumed a high-fat, low-calorie diet. The other group followed a low-fat diet with the same number of calories. The men on the high-fat diet lost 63% more weight.

So, what are the RIGHT fats? Animal fats are very healthy ... if the animals are raised on their natural diet. For example, grain-fed beef can have 500% more saturated fat than grass-fed beef. (Saturated fat is healthy in small, naturally occurring amounts, but too much can be harmful.)

I hope you will make it one of your goals for 2006 to improve your health by choosing to eat healthy fats. These include not only fats from naturally raised animal products, but also fish oil, olive oil, coconut oil, walnut and macadamia nut oils, avocados, and nuts. At the same time, limit your intake of processed vegetable oils (like corn and soybean oils), which are in almost all processed foods. And completely avoid any product with the word "hydrogenated" on the label.

- Jon Herring

Improve Your Marketing by Learning From the Biggest Winners

Every day, you get some of the best marketing ideas out there - and they don't cost you a penny. I'm talking about the direct-mail promotions in your mailbox.

If you want a steady supply of proven ideas, "seed" your name onto mailing lists that mail successful packages. If the same promotion arrives in your mailbox more than once, it's probably a winner for the company that's sending it. Buy what it's selling. (If you don't like it, take advantage of the guarantee to get your money back.) Once you buy something through direct mail, your name will soon appear on all the top mailing lists. That will provide you with tons of material that you can learn from and apply to your own marketing efforts.

- Will Newman

[Ed. Note: Will Newman, a regular contributor to ETR, is the editor of AWAI's The Golden Thread online newsletter. Learn how to subscribe to it - and how to discover AWAI's proven marketing secrets - here: The Golden Thread  .]

A "polymath" (POL-ee-math) is a person of great or varied learning. The word is derived from the Greek "polumathes."

Example (as used in the New York Times interview with Peter Watson that I quoted today):

NYT: Are you trying to be a polymath?

WATSON: My wife says I am the know-it-all from hell.

Michael
Masterson
Copyright ETR, LLC, 2006 ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer: The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet’s
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Monday , January 9, 2006
Message #1621

WEALTHY: In a flat market like this, what’s an investor to do?

HEALTHY: A small change in your diet that will have a huge effect

WISE: Daniel Webster on being able to speak well

ALSO IN THIS ISSUE:

Introducing a 12-part series based on my new book (Michael Masterson)

Join the ranks of Socrates, Abraham Lincoln, and Oprah (Virginia Avery)

A book that should be on every writer’s shelf (Will Newman)

Add the word “vilify” to your vocabulary

*
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When you have personal power, you inspire great work. You do so by finding and nurturing extraordinary talent, setting substantial goals, making those goals seem exciting, and then focusing the entire team on the necessary tasks required to achieve them.

Great leaders are willing to do hard thinking, make tough decisions, and get the job done. They have the vision, knowledge, skills, and good ideas. But, more importantly, they’ve developed the power to persuade people to embrace those ideas and work to achieve them, even in the face of adversity and criticism.

When I think about my experience in business – what I actually did that worked – I see that much of it runs contrary to the advice you’re likely to read in the popular business press. That’s the reason I wrote my new book, Power and Persuasion. My goal was to help people like you take advantage of what I have learned about achieving and using personal power – what I personally know to be true … and false.

Starting tomorrow and continuing for the next couple of weeks, we are going to be excerpting highlights from the book. It will help you discover the ideas that renew your own vision and inspire you to become the great leader you want to be. I’ll share some little-known secrets about what it means to become a great leader. And I’ll talk about the attributes of personal power – contrarian ideas about leadership that I deal with in detail in the book (and that you’ll also learn more about in the pages of ETR).

Meanwhile, if you would like to learn all of my no-B.S. secrets for commanding success in your personal and business life, based on my 40 years of down-in-the-trenches business experience, you can pick up a copy of the book here.]

- Michael Masterson

A little year-end rally couldn’t save the stock market from having a mediocre year. The S&P 500 ended only 3.0% up. That just about covers the inflation rate. In real money terms, the stock market didn’t earn or lose money in 2005 – not a good year by any stretch of the imagination.

Will things get better in 2006? After all, inflation has been held at bay and the dollar remained surprisingly strong. The economy is also in pretty good shape.

But in spite of these positives, companies remain way overvalued and they’re hoarding cash. If they don’t start spending it, they’re not going to grow. Without revenue growth, share price will be held down and price-to-earnings will remain high. Plus, high commodity costs, a cooling real estate market, and growing private indebtedness will all slow down the economy and make it even more difficult for companies to grow.

History tells us that once a market bubble bursts – as it did in 2000-2002 – the following rallies are always temporary. There have been no exceptions. Stock prices always revert to their long-term trend lines.

The market’s post-2002 mini-rally is overdue to end. This year, it will be hard-pressed to match last year’s mediocre performance. I believe the market’s not going to grow more than 2% in 2006 … at best.

But even in flat markets, there are always plenty of companies that do very well … and some that do outrageously well. And many companies that haven’t done so well become bargains because of falling share prices.

My recommendation is to search for those “value” stocks this year – stocks which have fallen too low in price and have thus become great buys. And if you feel that you need a little guidance in doing that, try The Skeptical Advisor. We make just one stock pick a month, using criteria that enable us to choose winners … no matter what the stock market is doing.

[Ed. Note: Andrew Gordon is the editor of The Skeptical Advisor, ETR's investment newsletter. Check it out at http://skepticaladvisor.com.]

“If all my talents and powers were to be taken from me by some inscrutable Providence, and I had my choice of keeping but one, I would unhesitatingly ask to be allowed to keep the power of speaking, for through it I would quickly recover all the rest.”

- Daniel Webster

The Power of Your Speech

By Virginia Avery

Language expert Wilfred Funk was one of the first to study highly successful men and women to determine what they have in common. What he discovered was that they all have the ability to communicate clearly and effectively. Since then, many studies have shown the same thing. In fact, members of the “speaking” professions – lawyers, politicians, professional speakers, salespeople, and entertainers – are among the highest paid. There appears to be a high correlation between word power and earning power. The ability to speak, to persuade, and to keep an audience’s attention is well rewarded.

What about you? Have you been sabotaging your own success because you feel that speaking in front of a group is something you would rather die than do? If so, it is time to do yourself a favor and learn the skills that can change your life. There is no better time than the new year to develop the confidence to speak up.

Speaking well is considered the number one reason for career advancement. And – no doubt about it – this is an essential business skill. Every time you meet with a client or make a presentation, your company image is affected – for better or worse. From the standpoint of public relations, your business can have no better vehicle than a well-spoken representative.

If you think about it, you’ll see that your most important business – and personal – transactions involve face-to-face communications. To mention just a few: asking for and receiving a pay raise … making a winning proposal … promoting your new service with a speech … and persuading others to back a cause you feel passionate about.

Communication is a complex subject. We communicate more than simply with the words we use. We communicate as much by how we say something as by what we say. We communicate through voice inflection, tone, facial expressions, body stance, and even by the way we breathe. But perhaps the most important aspect of effective communication is having the self-confidence that comes from practice.

I once consulted with a small engineering firm that was on the short list for a contract to design a project for the city of Grants Pass, Oregon. Five firms were making proposals, among them two extremely large and successful companies. Now, I know about as much about engineering as I do about nuclear physics. Nonetheless, I had my client restructure their approach, improve their visuals, and practice … practice … practice their presentation. And, yes, they were awarded the contract.

As Ralph Waldo Emerson observed: “All the great speakers were bad speakers at first.”

Woodrow Wilson, for instance, started out as a political science professor. He had a reserved manner and a stilted speaking style – not characteristics that make friends and influence people. Recognizing that, he deliberately and systematically set a goal for himself to become a skillful orator. And it worked. His success was so evident that when he delivered his inaugural address as the 28th President of the United States, it was said “not since Lincoln has there been a president so wonderfully gifted in the art of expression.”

Biographer Joseph Tumulty wrote that by the end of Wilson’s life, he “was like a great organist playing upon the heart emotions of thousands of people who were held spell-bound by what he said.”

The ability to speak is one of your greatest gifts. Doing it well can transform your life. You can present yourself and your ideas hesitantly … or you can be purposeful, direct, and confident. It’s up to you.

Think, for a moment, of Socrates, Daniel Webster, Ralph Waldo Emerson, Abraham Lincoln, Will Rogers, Martin Luther King, and Oprah. All of them master communicators. These diverse individuals from different times and places made history with their words. They moved others in their time, and they still move us today.

No one is born with the ability to be an expert communicator. But it’s well worth the effort to develop it. Being able to speak with confidence – in any situation – can be one of the most exciting and rewarding skills you will ever have. A deep sense of satisfaction, even exhilaration, comes with knowing you have expressed yourself effectively.

Anyone (yes, even you) can deliver a presentation that will captivate an audience. But it does take preparation, planning … and, of course, practice. Here are some ideas to help you begin to become a master of the spoken word:

Become aware of how you sound. Record yourself … then listen to it as if you were listening to a stranger. What advice or suggestions would you give this person?

Start a file of short stories that you find appealing. Tell these stories to yourself in the shower … then to a few people … then to a few more people … and then to larger groups.

Go to lectures and seminars to hear other speakers. What worked for them? What didn’t?

Beg, borrow, or buy tapes of speakers such as Earl Nightingale, Zig Zigler, and Brian Tracy. Listen to them over and over again.

Consider joining a Toastmasters group where you can practice weekly.

Volunteer to speak at every opportunity.

If you want to make the most progress, and make it fast, get professional advice and coaching.

[Ed. Note: Virginia Avery is a communications specialist who trains and coaches businesspeople to make more profitable presentations. Virginia@AveryPresentations.com]

Today’s Resolution

With the ability to speak well, everything else is attainable. To repeat the words of Daniel Webster quoted at the beginning of Virginia’s article: “If all my talents and powers were to be taken from me by some inscrutable Providence, and I had my choice of keeping but one, I would unhesitatingly ask to be allowed to keep the power of speaking, for through it I would quickly recover all the rest.” So resolve, today, to make becoming an effective speaker – one who communicates clearly and confidently – one of your goals for 2006.

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The Essential Macronutrients in Your Diet, Part 2: Carbs

Carbohydrates have been vilified (see Word to the Wise, below) over the past few years. While carbs are not inherently bad, it is important to choose the right ones. The key is to avoid those that cause your blood sugar and insulin levels to rise rapidly.

That means you should AVOID: sugar, flour, baked goods, white pasta, soft drinks, fruit juices, refined grains, corn, and starches (including white potatoes). Your carbs should come primarily from whole fruits and vegetables, nuts, seeds, and berries. If you enjoy potatoes, stick with yams or sweet potatoes. They have more nutritional value, and they won’t spike your blood sugar as much. If you simply must have bread and pasta, choose products made from whole grains. But a word of warning: If you are overweight or diabetic, it’s best to avoid ALL grains.

If you currently eat a lot of sweets, sugar-added drinks, bread, and pasta, cutting out these foods will not be easy. They put your emotions and your metabolism on an up-and-down rollercoaster that is similar in many ways to the effect of an addictive drug. But after a few weeks or a month, you’ll feel like a new person. The pounds will slip away, your hunger will become more regular and less pronounced, and you will undoubtedly notice an improvement in your energy levels, concentration, and mood.

So, if you haven’t done so already, I urge you to make this change in your diet. You’ll be glad you did.

- Jon Herring

If you do any writing at all, you should own Elements of Style by William Strunk and E. B. White – a 105-page, easy-to-read, classic reference book. You can pick up a new copy for less than $7.

- Will Newman

* Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

“This is definitely the time of year to get things started,” was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

“For some people, it’s a bitter message. There are things that you don’t like doing. But they have to be done.”

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

To “vilify” (VIL-uh-fie) is to make vicious and defamatory statements about something or someone. The word is derived from the Latin “vilis” (”cheap”).

Example (as used by Jon today): “Carbohydrates have been vilified over the past few years.

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you’d like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I’ll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don’t like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Saturday , January 7, 2006
Message #1620

WEALTHY: 11 marketing mega-trends that can make you (or break you) in 2006 (Clayton Makepeace)

HEALTHY: Why you should never go on a low-protein diet

WISE: Peter F. Drucker on making predictions

ALSO IN THIS ISSUE:

The reason so many people come up with such stupid ideas (Michael Masterson)

Have you tried the Lycos people-finder?

Add the word "lynchpin" to your vocabulary

*
Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

"The best way to predict the future is to create it."

- Peter F. Drucker

11 Startling Forecasts for 2006

By Clayton Makepeace

Forecast #1: The Cost of Talking to Prospects and Customers Will Continue to Rise – BOTH in Direct Mail and on the Internet.

Direct-mail costs will jump by double digits.

In direct mail, new postage rate increases effective January 9th will drive postage rates more than 5% higher in 2006. Paper costs – driven by a global surge in natural resource prices as well as energy surcharges – are rising as well. And if history is any indication, soaring federal deficits, combined with downward pressure on the U.S. dollar around the world and accelerating inflation here at home, guarantee that this trend will continue throughout 2006 and beyond.

Internet marketing costs will soar even higher.

While the cost of contacting prospects and customers via snail mail is moving incrementally higher, the cost of making sales on the World Wide Web is also soaring at an alarming rate.

Search engine costs will continue to surge.

The explosion in the number of websites vying for top ranking with commonly searched keywords is causing massive inflation in search engine costs. In its most recent quarterly report on search engine marketing, DoubleClick reports that search engine cost-per-keyword was up about 15%. And cost-per-click was 30% higher in the third quarter of 2005 than in July of 2004. This trend can only accelerate as the proliferation of new websites causes competition for surfers' attention to heat up.

Banner ad costs will soar.

The rapid adoption of the new larger IAB-recommended standard ad units at the expense of smaller buttons and banners has resulted in an overall reduction in the amount of ad space available to advertisers – at a time when spending on iNet ads is jumping at the rate of 31.5% per year. As this limited supply of advertising space collides with soaring demand in 2006, look for Internet ad costs to jump substantially.

E-mail marketing to rocket higher.

While there has been no dramatic recent surge in the cost of sending e-mail blasts to prospects and customers, delivery rates are being reduced in many cases by over-enthusiastic spam filters and other things. This is driving the cost per delivered e-mail substantially higher.

Forecast #2: Most – but Not All – Response Rates Will Continue to Decline.

Direct-mail response rates will continue to be a challenge.

To anyone who sells books, print newsletters, or nutritional supplements through direct mail, it's no secret that response rates have fallen precipitously since 2001. As a result, mailings are shrinking in size and frequency and the universe of current, active buyer names and addresses is declining. Increased competition … the propagation of wild and unbelievable product claims … increased pressure from litigators and regulators … and rising consumer skepticism in these maturing markets will keep this trend intact.

Many Internet response rates will continue falling throughout 2006.

Search engine conversions will continue to decline.

In 2005 alone, the number of people who click through and complete a transaction on the average search engine keyword (including free ones, such as registering or opting-in to an e-zine) has fallen 22% – from around 4.5% to around 3.5%. Look for this trend to continue as consumers become increasingly bombarded with a dizzying array of choices.

E-mail open rates and click-throughs will continue their downward track.

In the latest quarter for which data is available, DoubleClick reports that e-mail open rates declined a staggering 23.6% – to 27.5%. Furthermore, of those who opened their e-mails, 6.5% fewer clicked the links in those e-mails than in the preceding quarter – about 7.2%. Hardly surprising – especially when you consider the sheer volume of e-mails sent to the average Web user each day. As the quantity of e-mails sent by marketers continues to skyrocket in 2006, expect the decline in open rates and click-throughs to fall even further.

Astonishingly, bottom-line Internet response rates will remain relatively unchanged.

While fewer prospects are opening e-mail advertisements and clicking the links, higher percentages of those clicking through are ordering. In the most recent quarter, click-to-purchase rates jumped 27.8% and actual orders per e-mail delivered rose 18.2%. As a result, revenue per e-mail sent is holding steady – at an average of 20 cents. For this reason, the Internet will continue to be a goldmine for entrepreneurs and business owners who adapt quickly in this rapidly changing environment.

Forecast #3: Internet Marketers Will Be Forced to Focus on Accountability, Tracking, Forecasting, and Testing.

While response rates are dropping and costs are rising in direct mail and the Internet, the World Wide Web still presents the greatest opportunities for attracting new customers and for selling more products to existing customers. However, the reality of today's rising-costs/falling-response virtual world will require increasing vigilance in order to maximize profits while minimizing capital risks.

Once upon a time, marketing on the Web was cheap or even free. Ill-conceived and poorly executed promotions that would have bankrupt any company paying $500/M for a direct-mail campaign were making Internet marketers fat and happy. With little if anything to lose, few iMarketers paid much attention to tracking which promotions produced a bottom-line profit – let alone which techniques produced the highest response rates.

Today, with iNet marketing costs rising and many response rates dropping, savvy iMarketers are beginning to demand that each dollar spent to generate an e-zine subscriber or website visitor produce a positive return on investment in a reasonable amount of time. At the same time, the twin demons of declining response rates and rising costs will demand that Internet marketers produce stronger headlines, subject lines, and sales copy – and that these lynchpins (see Word to the Wise, below) of direct response be constantly tested for relative effectiveness.

Forecast #4: Cheaper Media and Multi-Step Promotions Will Gain in Prominence.

As e-mail open and click-through rates continue to decline, increasing numbers of Internet marketers will turn to other media – television, radio, print, etc. – to drive prospects to landing pages and websites. Internet giants eBay, DiTech, Geico, and Progressive Insurance are already leading the way – and the savviest entrepreneurs and business owners will follow.

Forecast #5: Cooperative Marketing Arrangements Will Gain in Importance and Frequency.

In a rising-cost, falling-response environment – both on the Web and in direct mail – cooperative campaigns will bring breakthroughs in 2006. Affiliate promotions … ride-along promotions … joint ventures and product combinations … and subsidized promotions will take center stage, producing massive breakthroughs for cutting-edge marketers.

Forecast #6: Innovative Consumer-Friendly Marketing Strategies Will Take Center Stage.

To overcome rising consumer skepticism and falling response rates, increasing numbers of Internet marketers will abandon "blunt instrument" marketing strategies and messages in favor of …

"Permission" Marketing or "Invertizing" - in which consumers invite marketers into their lives. Companies that innovate ways for consumers to request advertising materials will prosper.

Advertorials that bring value to consumers' lives while making a sale will double and triple revenues and profits for many companies.

Involvement Devices that intrigue and entertain – games, contests, self-tests, and other devices that makes sites "sticky" – will produce greater increases in traffic and sales.

Viral Devices - content deemed by recipients to be valuable enough to be passed on to others – will turn each e-mail address that you pay for into two, three, or even four that you don't have to pay for.

Blogs will become an even more powerful marketing tool. These websites (where visitors are invited to share their opinions on a variety of topics) are still skyrocketing in popularity. In 2005, 33% more people visited Blogspot.Com than read The New York Times! Creating a blog and requiring visitors to register in order to share their opinions – PLUS adding links and ads to the blog site – will become a huge source of new e-mail addresses and revenues for anyone creatively exploiting them.

Rich Media will rule! With about 35% of U.S. households boasting broadband connections to the Internet, the delivery of high-impact rich media (streaming animations, video, audio, interactive games, etc.) will be a major force in boosting response to iNet promotions in 2006. In a recent study, DoubleClick found that banner ads featuring animation, rollovers, or other rich media produced FIVE TIMES the response of non-rich media ads!

Forecast #7: Innovative Delivery Formats Will Make Millions for Information Publishers and "Infopreneurs."

The format in which information products are presented will become increasingly important. Simple "special reports" delivered as PDFs will continue losing their appeal, while higher-impact formats will attract hordes of new customers. Information products sold and delivered as streaming audio and video reports … PowerPoint presentations with audio … webcasts and webinars … podcasts … live teleseminars … group and one-on-one coaching products … will attract ever-larger audiences and earn fortunes for cutting-edge marketers.

Forecast #8: For Consumers, the "Free Internet" Will Become Harder and Harder to Find.

Like the Internet, TV and radio once provided the majority of their content free to consumers. Today, these industries derive the majority of their revenues and profits directly from consumers – via cable providers, premium channel providers (such as HBO and CineMax), XM Radio, Netflix, DirecTV, and others.

This trend has already begun: U.S. consumers are now paying nearly $2 billion per year to subscribe to websites and e-zines and to access other content online. That's nearly THREE TIMES MORE than in 2001! Expect many publishers of free e-zines and websites to begin qualifying prospects and bringing revenue forward by providing brief trial periods followed by promotions aimed at converting leads to customers who pay monthly, annual, or per-access fees.

Forecast #9: International Prospects Will Gain in Importance.

While U.S. consumers have been bombarded with a mind-boggling volume of Web-based promotions and are increasingly resistant to their allure, Internet users in many other countries have escaped much of the onslaught. As a result, many Internet marketers will discover rich veins of gold overseas in the year ahead.

According to the CIA World Factbook, 186 million Americans – roughly 63% of the U.S. population – now have Web access. That's only about 19% of the global Web community. A whopping 81% of all Internet users do NOT live in the U.S. – and to a huge percentage of them, e-mails and Internet sites delivered in English are meaningless.

If you translate your e-mail blasts and websites into Spanish, you'll pick up about 76 million more prospects in the U.S., Mexico, Central America, South America, and, of course, Spain. Add French, German, Russian, and Portuguese sales messages, and you can talk to 116 million more future customers. And if you can figure out a way to make your sales messages readable to Web nerds in China and India, you'll pick up another 136 million.

Look for an increasing number of entrepreneurs and businesses to tap this largely virgin audience of consumers.

Forecast #10: The Customer Takes His Rightful Place.

Many marketers who use cheaper media – TV, radio, and the Internet, for example – build their entire businesses on making a single sale to each customer. Now, with rising costs and falling response rates, look for more Internet marketers (as well as more TV and radio infomercial producers) to adopt the venerable "Lifetime Customer Value" model that has turned so many direct-mail marketers into millionaires.

In the year ahead, increasing numbers of Internet marketers will build vast companies and fortunes by (1) generating maximum numbers of new customers at break-even, and (2) systematically increasing the lifetime value of each customer through regular monthly, weekly, even daily promotions.

In short, the most successful Internet marketers in 2006 will be those who view the marketing holistically – as an unbroken chain – and design campaigns to take prospects from first contact to first purchase in a single step, and then continuously upgrade the value of each customer over time. This will force vast improvements in the quality of products offered. It will also cause savvy marketers to think of each product sold as a promotion for the next product to be offered.

Forecast #11: Marketers Who Are the First to Capitalize on These Locked-In Trends for 2006 Will Grow Richer Than Midas in the Year Ahead!

Each one of the above trends presents a truly spectacular opportunity for entrepreneurs, business owners, and marketing pros.

[Ed. Note: Clayton Makepeace offers help in reaping maximum profits through the Internet, direct mail, and print advertising every week in his e-zine, THE TOTAL PACKAGE.

Learn 177 of his surprising secrets that have doubled his clients' profits in a year and quadrupled them in 36 months in his newly published e-book "Double Your Profits in 12 Months or Less!"]

Today's Resolution

Clayton Makepeace makes it clear that the old marketing models are fading in effectiveness … even as costs are rising. Consumers are demanding radical new approaches to both marketing and the products they purchase. So resolve to do this in 2006: (1) Review, test, and revamp your product formats, pricing strategies, and promotional strategies … from the ground up. (2) Ramp up the selling power of both your marketing and editorial copy. Doing this will pay rich dividends in the year ahead.

* Advertisement *

How much money would you have made in the last 12 months if you knew:

*Oil was going to shoot from $47 a barrel to over $65 – taking companies like Valero and Tesoro Corp. to historic highs

*Gold would skyrocket to its highest price since 1987 – boosting companies like Coeur d'Alene Mines and AngloGold

Or even that insurance companies would enjoy a resurgence – sending firms like Arch Capital and Presidential Life to market-beating gains

How much?

I'll tell you… you would have enjoyed big gains like 178% on Talisman Energy, 420% on Newmont Mining and 1,011% on UPS. But that's only the beginning.

That's why, I would like to invite you to a QUICK, EASY and INEXPENSIVE way to jump on the…

11 Hottest Investment Trends of 2006

http://www.agora-inc.com/reports/400SPRED/E400G115

Reader Feedback: "Thank you, Michael Masterson!"

"I would like to thank you for giving me the courage and strength to proceed with my goals and resolutions. I am ticking them off the list, one by one."

- AM

The Essential Macronutrients in Your Diet, Part 1: Protein

Be wary of any diet that tells you to strictly limit the protein you eat … or the fat … or the carbohydrates. You need ALL of these macronutrients. And you need the right kind. Today, let's talk about protein.

Every meal should be based on a healthy source of protein. Protein helps to build, repair, and replace the cells of your body. It is vital for a strong immune system – and it boosts your metabolism and helps preserve muscle when you are dropping pounds.

If you eat meat and dairy, choose products (including eggs, yogurt, cheese, and milk – preferably raw) from animals raised on their natural diet: grass-fed beef, bison, lamb, wild game, and free-range poultry. You should also eat wild – not farm-raised – fish that is known to be free of mercury (such as sardines and wild Alaskan salmon). Nuts and beans are also excellent sources of protein. And if you use a protein powder, choose one without artificial sweeteners. My favorite is Nutribiotic Rice Protein, which you can find in most health food stores.

I encourage you to make it one of your health resolutions for 2006 to base all your meals on protein – and to choose protein sources that are as close as possible to what Mother Nature intended.

Tomorrow … carbs!

- Jon Herring

Food for Thought: What's Really Scary About America

Do you sometimes wonder why Americans, as a group, come up with such stupid ideas about themselves and the world they live in? Here's the reason: Americans are amazingly uneducated.

One in 20 adult Americans can't read a newspaper or a prescription label. That's the result of a new federal survey – the first comprehensive look at literacy since 1992. Recent immigrants are responsible for the bulk of those 11 million illiterates, but dismally educated "inner city" people are also a significant factor.

The illiteracy rate in the U.S. is disturbing. But the semi-literacy rate is even worse. That same survey indicated that 87% of Americans can't compare the viewpoints of two editorials or interpret a table showing the relationship between blood pressure, age, and physical activity. Only about one in two Americans can "look at a heating bill and figure out that a 5-cent-per-gallon deduction on a purchase of 140 gallons of oil would yield $7," reported USA Today.

"It's a stark snapshot," admits Dale Lipschultz, the president of the National Coalition for Literacy. "A more literate America would be more competitive and prosperous."

- Michael Masterson

It's Good to Know: How to Find Good Old What's-His-Name

Looking for someone? Try the Lycos people-finder: www.whowhere.lycos.com.

* Advertisement *

The Stock Market Has a Secret… and it Can Make You Wealthy in a Half Hour a Day

The stock market is holding an exceedingly profitable secret. It’s a very simple secret, but when you know how to use it, you can make you FAST MONEY any day you choose.

Just imagine a system that could very reliably tell you which stocks are likely to go up or down… and when. Having this information is like sitting on top of a money machine.

That system is here! And people who are using it properly are making several profitable trades almost EVERY day the market is open. One man just wrote in, "I've done 57 winning trades in a row in just under four weeks."

http://www.isecureonline.com/Reports/700SSTS/E700FC63/

A "lynchpin" (or "linchpin") is a locking pin inserted in the end of an axle to prevent a wheel from slipping off. By extension, the word is used to refer to any cohesive source of support and stability.

Example (as used by Clayton Makepeace today): "The twin demons of declining response rates and rising costs will demand that Internet marketers produce stronger headlines, subject lines, and sales copy – and that these lynchpins of direct response be constantly tested for relative effectiveness and to lift response and revenues.

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Saturday , January 7, 2006
Message #1620

WEALTHY: 11 marketing mega-trends that can make you (or break you) in 2006 (Clayton Makepeace)

HEALTHY: Why you should never go on a low-protein diet

WISE: Peter F. Drucker on making predictions

ALSO IN THIS ISSUE:

The reason so many people come up with such stupid ideas (Michael Masterson)

Have you tried the Lycos people-finder?

Add the word "lynchpin" to your vocabulary

*
Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

"The best way to predict the future is to create it."

- Peter F. Drucker

11 Startling Forecasts for 2006

By Clayton Makepeace

Forecast #1: The Cost of Talking to Prospects and Customers Will Continue to Rise – BOTH in Direct Mail and on the Internet.

Direct-mail costs will jump by double digits.

In direct mail, new postage rate increases effective January 9th will drive postage rates more than 5% higher in 2006. Paper costs – driven by a global surge in natural resource prices as well as energy surcharges – are rising as well. And if history is any indication, soaring federal deficits, combined with downward pressure on the U.S. dollar around the world and accelerating inflation here at home, guarantee that this trend will continue throughout 2006 and beyond.

Internet marketing costs will soar even higher.

While the cost of contacting prospects and customers via snail mail is moving incrementally higher, the cost of making sales on the World Wide Web is also soaring at an alarming rate.

Search engine costs will continue to surge.

The explosion in the number of websites vying for top ranking with commonly searched keywords is causing massive inflation in search engine costs. In its most recent quarterly report on search engine marketing, DoubleClick reports that search engine cost-per-keyword was up about 15%. And cost-per-click was 30% higher in the third quarter of 2005 than in July of 2004. This trend can only accelerate as the proliferation of new websites causes competition for surfers' attention to heat up.

Banner ad costs will soar.

The rapid adoption of the new larger IAB-recommended standard ad units at the expense of smaller buttons and banners has resulted in an overall reduction in the amount of ad space available to advertisers – at a time when spending on iNet ads is jumping at the rate of 31.5% per year. As this limited supply of advertising space collides with soaring demand in 2006, look for Internet ad costs to jump substantially.

E-mail marketing to rocket higher.

While there has been no dramatic recent surge in the cost of sending e-mail blasts to prospects and customers, delivery rates are being reduced in many cases by over-enthusiastic spam filters and other things. This is driving the cost per delivered e-mail substantially higher.

Forecast #2: Most – but Not All – Response Rates Will Continue to Decline.

Direct-mail response rates will continue to be a challenge.

To anyone who sells books, print newsletters, or nutritional supplements through direct mail, it's no secret that response rates have fallen precipitously since 2001. As a result, mailings are shrinking in size and frequency and the universe of current, active buyer names and addresses is declining. Increased competition … the propagation of wild and unbelievable product claims … increased pressure from litigators and regulators … and rising consumer skepticism in these maturing markets will keep this trend intact.

Many Internet response rates will continue falling throughout 2006.

Search engine conversions will continue to decline.

In 2005 alone, the number of people who click through and complete a transaction on the average search engine keyword (including free ones, such as registering or opting-in to an e-zine) has fallen 22% – from around 4.5% to around 3.5%. Look for this trend to continue as consumers become increasingly bombarded with a dizzying array of choices.

E-mail open rates and click-throughs will continue their downward track.

In the latest quarter for which data is available, DoubleClick reports that e-mail open rates declined a staggering 23.6% – to 27.5%. Furthermore, of those who opened their e-mails, 6.5% fewer clicked the links in those e-mails than in the preceding quarter – about 7.2%. Hardly surprising – especially when you consider the sheer volume of e-mails sent to the average Web user each day. As the quantity of e-mails sent by marketers continues to skyrocket in 2006, expect the decline in open rates and click-throughs to fall even further.

Astonishingly, bottom-line Internet response rates will remain relatively unchanged.

While fewer prospects are opening e-mail advertisements and clicking the links, higher percentages of those clicking through are ordering. In the most recent quarter, click-to-purchase rates jumped 27.8% and actual orders per e-mail delivered rose 18.2%. As a result, revenue per e-mail sent is holding steady – at an average of 20 cents. For this reason, the Internet will continue to be a goldmine for entrepreneurs and business owners who adapt quickly in this rapidly changing environment.

Forecast #3: Internet Marketers Will Be Forced to Focus on Accountability, Tracking, Forecasting, and Testing.

While response rates are dropping and costs are rising in direct mail and the Internet, the World Wide Web still presents the greatest opportunities for attracting new customers and for selling more products to existing customers. However, the reality of today's rising-costs/falling-response virtual world will require increasing vigilance in order to maximize profits while minimizing capital risks.

Once upon a time, marketing on the Web was cheap or even free. Ill-conceived and poorly executed promotions that would have bankrupt any company paying $500/M for a direct-mail campaign were making Internet marketers fat and happy. With little if anything to lose, few iMarketers paid much attention to tracking which promotions produced a bottom-line profit – let alone which techniques produced the highest response rates.

Today, with iNet marketing costs rising and many response rates dropping, savvy iMarketers are beginning to demand that each dollar spent to generate an e-zine subscriber or website visitor produce a positive return on investment in a reasonable amount of time. At the same time, the twin demons of declining response rates and rising costs will demand that Internet marketers produce stronger headlines, subject lines, and sales copy – and that these lynchpins (see Word to the Wise, below) of direct response be constantly tested for relative effectiveness.

Forecast #4: Cheaper Media and Multi-Step Promotions Will Gain in Prominence.

As e-mail open and click-through rates continue to decline, increasing numbers of Internet marketers will turn to other media – television, radio, print, etc. – to drive prospects to landing pages and websites. Internet giants eBay, DiTech, Geico, and Progressive Insurance are already leading the way – and the savviest entrepreneurs and business owners will follow.

Forecast #5: Cooperative Marketing Arrangements Will Gain in Importance and Frequency.

In a rising-cost, falling-response environment – both on the Web and in direct mail – cooperative campaigns will bring breakthroughs in 2006. Affiliate promotions … ride-along promotions … joint ventures and product combinations … and subsidized promotions will take center stage, producing massive breakthroughs for cutting-edge marketers.

Forecast #6: Innovative Consumer-Friendly Marketing Strategies Will Take Center Stage.

To overcome rising consumer skepticism and falling response rates, increasing numbers of Internet marketers will abandon "blunt instrument" marketing strategies and messages in favor of …

"Permission" Marketing or "Invertizing" - in which consumers invite marketers into their lives. Companies that innovate ways for consumers to request advertising materials will prosper.

Advertorials that bring value to consumers' lives while making a sale will double and triple revenues and profits for many companies.

Involvement Devices that intrigue and entertain – games, contests, self-tests, and other devices that makes sites "sticky" – will produce greater increases in traffic and sales.

Viral Devices - content deemed by recipients to be valuable enough to be passed on to others – will turn each e-mail address that you pay for into two, three, or even four that you don't have to pay for.

Blogs will become an even more powerful marketing tool. These websites (where visitors are invited to share their opinions on a variety of topics) are still skyrocketing in popularity. In 2005, 33% more people visited Blogspot.Com than read The New York Times! Creating a blog and requiring visitors to register in order to share their opinions – PLUS adding links and ads to the blog site – will become a huge source of new e-mail addresses and revenues for anyone creatively exploiting them.

Rich Media will rule! With about 35% of U.S. households boasting broadband connections to the Internet, the delivery of high-impact rich media (streaming animations, video, audio, interactive games, etc.) will be a major force in boosting response to iNet promotions in 2006. In a recent study, DoubleClick found that banner ads featuring animation, rollovers, or other rich media produced FIVE TIMES the response of non-rich media ads!

Forecast #7: Innovative Delivery Formats Will Make Millions for Information Publishers and "Infopreneurs."

The format in which information products are presented will become increasingly important. Simple "special reports" delivered as PDFs will continue losing their appeal, while higher-impact formats will attract hordes of new customers. Information products sold and delivered as streaming audio and video reports … PowerPoint presentations with audio … webcasts and webinars … podcasts … live teleseminars … group and one-on-one coaching products … will attract ever-larger audiences and earn fortunes for cutting-edge marketers.

Forecast #8: For Consumers, the "Free Internet" Will Become Harder and Harder to Find.

Like the Internet, TV and radio once provided the majority of their content free to consumers. Today, these industries derive the majority of their revenues and profits directly from consumers – via cable providers, premium channel providers (such as HBO and CineMax), XM Radio, Netflix, DirecTV, and others.

This trend has already begun: U.S. consumers are now paying nearly $2 billion per year to subscribe to websites and e-zines and to access other content online. That's nearly THREE TIMES MORE than in 2001! Expect many publishers of free e-zines and websites to begin qualifying prospects and bringing revenue forward by providing brief trial periods followed by promotions aimed at converting leads to customers who pay monthly, annual, or per-access fees.

Forecast #9: International Prospects Will Gain in Importance.

While U.S. consumers have been bombarded with a mind-boggling volume of Web-based promotions and are increasingly resistant to their allure, Internet users in many other countries have escaped much of the onslaught. As a result, many Internet marketers will discover rich veins of gold overseas in the year ahead.

According to the CIA World Factbook, 186 million Americans – roughly 63% of the U.S. population – now have Web access. That's only about 19% of the global Web community. A whopping 81% of all Internet users do NOT live in the U.S. – and to a huge percentage of them, e-mails and Internet sites delivered in English are meaningless.

If you translate your e-mail blasts and websites into Spanish, you'll pick up about 76 million more prospects in the U.S., Mexico, Central America, South America, and, of course, Spain. Add French, German, Russian, and Portuguese sales messages, and you can talk to 116 million more future customers. And if you can figure out a way to make your sales messages readable to Web nerds in China and India, you'll pick up another 136 million.

Look for an increasing number of entrepreneurs and businesses to tap this largely virgin audience of consumers.

Forecast #10: The Customer Takes His Rightful Place.

Many marketers who use cheaper media – TV, radio, and the Internet, for example – build their entire businesses on making a single sale to each customer. Now, with rising costs and falling response rates, look for more Internet marketers (as well as more TV and radio infomercial producers) to adopt the venerable "Lifetime Customer Value" model that has turned so many direct-mail marketers into millionaires.

In the year ahead, increasing numbers of Internet marketers will build vast companies and fortunes by (1) generating maximum numbers of new customers at break-even, and (2) systematically increasing the lifetime value of each customer through regular monthly, weekly, even daily promotions.

In short, the most successful Internet marketers in 2006 will be those who view the marketing holistically – as an unbroken chain – and design campaigns to take prospects from first contact to first purchase in a single step, and then continuously upgrade the value of each customer over time. This will force vast improvements in the quality of products offered. It will also cause savvy marketers to think of each product sold as a promotion for the next product to be offered.

Forecast #11: Marketers Who Are the First to Capitalize on These Locked-In Trends for 2006 Will Grow Richer Than Midas in the Year Ahead!

Each one of the above trends presents a truly spectacular opportunity for entrepreneurs, business owners, and marketing pros.

[Ed. Note: Clayton Makepeace offers help in reaping maximum profits through the Internet, direct mail, and print advertising every week in his e-zine, THE TOTAL PACKAGE.

Learn 177 of his surprising secrets that have doubled his clients' profits in a year and quadrupled them in 36 months in his newly published e-book "Double Your Profits in 12 Months or Less!"]

Today's Resolution

Clayton Makepeace makes it clear that the old marketing models are fading in effectiveness … even as costs are rising. Consumers are demanding radical new approaches to both marketing and the products they purchase. So resolve to do this in 2006: (1) Review, test, and revamp your product formats, pricing strategies, and promotional strategies … from the ground up. (2) Ramp up the selling power of both your marketing and editorial copy. Doing this will pay rich dividends in the year ahead.

* Advertisement *

How much money would you have made in the last 12 months if you knew:

*Oil was going to shoot from $47 a barrel to over $65 – taking companies like Valero and Tesoro Corp. to historic highs

*Gold would skyrocket to its highest price since 1987 – boosting companies like Coeur d'Alene Mines and AngloGold

Or even that insurance companies would enjoy a resurgence – sending firms like Arch Capital and Presidential Life to market-beating gains

How much?

I'll tell you… you would have enjoyed big gains like 178% on Talisman Energy, 420% on Newmont Mining and 1,011% on UPS. But that's only the beginning.

That's why, I would like to invite you to a QUICK, EASY and INEXPENSIVE way to jump on the…

11 Hottest Investment Trends of 2006

http://www.agora-inc.com/reports/400SPRED/E400G115

Reader Feedback: "Thank you, Michael Masterson!"

"I would like to thank you for giving me the courage and strength to proceed with my goals and resolutions. I am ticking them off the list, one by one."

- AM

The Essential Macronutrients in Your Diet, Part 1: Protein

Be wary of any diet that tells you to strictly limit the protein you eat … or the fat … or the carbohydrates. You need ALL of these macronutrients. And you need the right kind. Today, let's talk about protein.

Every meal should be based on a healthy source of protein. Protein helps to build, repair, and replace the cells of your body. It is vital for a strong immune system – and it boosts your metabolism and helps preserve muscle when you are dropping pounds.

If you eat meat and dairy, choose products (including eggs, yogurt, cheese, and milk – preferably raw) from animals raised on their natural diet: grass-fed beef, bison, lamb, wild game, and free-range poultry. You should also eat wild – not farm-raised – fish that is known to be free of mercury (such as sardines and wild Alaskan salmon). Nuts and beans are also excellent sources of protein. And if you use a protein powder, choose one without artificial sweeteners. My favorite is Nutribiotic Rice Protein, which you can find in most health food stores.

I encourage you to make it one of your health resolutions for 2006 to base all your meals on protein – and to choose protein sources that are as close as possible to what Mother Nature intended.

Tomorrow … carbs!

- Jon Herring

Food for Thought: What's Really Scary About America

Do you sometimes wonder why Americans, as a group, come up with such stupid ideas about themselves and the world they live in? Here's the reason: Americans are amazingly uneducated.

One in 20 adult Americans can't read a newspaper or a prescription label. That's the result of a new federal survey – the first comprehensive look at literacy since 1992. Recent immigrants are responsible for the bulk of those 11 million illiterates, but dismally educated "inner city" people are also a significant factor.

The illiteracy rate in the U.S. is disturbing. But the semi-literacy rate is even worse. That same survey indicated that 87% of Americans can't compare the viewpoints of two editorials or interpret a table showing the relationship between blood pressure, age, and physical activity. Only about one in two Americans can "look at a heating bill and figure out that a 5-cent-per-gallon deduction on a purchase of 140 gallons of oil would yield $7," reported USA Today.

"It's a stark snapshot," admits Dale Lipschultz, the president of the National Coalition for Literacy. "A more literate America would be more competitive and prosperous."

- Michael Masterson

It's Good to Know: How to Find Good Old What's-His-Name

Looking for someone? Try the Lycos people-finder: www.whowhere.lycos.com.

* Advertisement *

The Stock Market Has a Secret… and it Can Make You Wealthy in a Half Hour a Day

The stock market is holding an exceedingly profitable secret. It’s a very simple secret, but when you know how to use it, you can make you FAST MONEY any day you choose.

Just imagine a system that could very reliably tell you which stocks are likely to go up or down… and when. Having this information is like sitting on top of a money machine.

That system is here! And people who are using it properly are making several profitable trades almost EVERY day the market is open. One man just wrote in, "I've done 57 winning trades in a row in just under four weeks."

http://www.isecureonline.com/Reports/700SSTS/E700FC63/

A "lynchpin" (or "linchpin") is a locking pin inserted in the end of an axle to prevent a wheel from slipping off. By extension, the word is used to refer to any cohesive source of support and stability.

Example (as used by Clayton Makepeace today): "The twin demons of declining response rates and rising costs will demand that Internet marketers produce stronger headlines, subject lines, and sales copy – and that these lynchpins of direct response be constantly tested for relative effectiveness and to lift response and revenues.

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Saturday , January 7, 2006
Message #1620

WEALTHY: 11 marketing mega-trends that can make you (or break you) in 2006 (Clayton Makepeace)

HEALTHY: Why you should never go on a low-protein diet

WISE: Peter F. Drucker on making predictions

ALSO IN THIS ISSUE:

The reason so many people come up with such stupid ideas (Michael Masterson)

Have you tried the Lycos people-finder?

Add the word "lynchpin" to your vocabulary

*
Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

"The best way to predict the future is to create it."

- Peter F. Drucker

11 Startling Forecasts for 2006

By Clayton Makepeace

Forecast #1: The Cost of Talking to Prospects and Customers Will Continue to Rise – BOTH in Direct Mail and on the Internet.

Direct-mail costs will jump by double digits.

In direct mail, new postage rate increases effective January 9th will drive postage rates more than 5% higher in 2006. Paper costs – driven by a global surge in natural resource prices as well as energy surcharges – are rising as well. And if history is any indication, soaring federal deficits, combined with downward pressure on the U.S. dollar around the world and accelerating inflation here at home, guarantee that this trend will continue throughout 2006 and beyond.

Internet marketing costs will soar even higher.

While the cost of contacting prospects and customers via snail mail is moving incrementally higher, the cost of making sales on the World Wide Web is also soaring at an alarming rate.

Search engine costs will continue to surge.

The explosion in the number of websites vying for top ranking with commonly searched keywords is causing massive inflation in search engine costs. In its most recent quarterly report on search engine marketing, DoubleClick reports that search engine cost-per-keyword was up about 15%. And cost-per-click was 30% higher in the third quarter of 2005 than in July of 2004. This trend can only accelerate as the proliferation of new websites causes competition for surfers' attention to heat up.

Banner ad costs will soar.

The rapid adoption of the new larger IAB-recommended standard ad units at the expense of smaller buttons and banners has resulted in an overall reduction in the amount of ad space available to advertisers – at a time when spending on iNet ads is jumping at the rate of 31.5% per year. As this limited supply of advertising space collides with soaring demand in 2006, look for Internet ad costs to jump substantially.

E-mail marketing to rocket higher.

While there has been no dramatic recent surge in the cost of sending e-mail blasts to prospects and customers, delivery rates are being reduced in many cases by over-enthusiastic spam filters and other things. This is driving the cost per delivered e-mail substantially higher.

Forecast #2: Most – but Not All – Response Rates Will Continue to Decline.

Direct-mail response rates will continue to be a challenge.

To anyone who sells books, print newsletters, or nutritional supplements through direct mail, it's no secret that response rates have fallen precipitously since 2001. As a result, mailings are shrinking in size and frequency and the universe of current, active buyer names and addresses is declining. Increased competition … the propagation of wild and unbelievable product claims … increased pressure from litigators and regulators … and rising consumer skepticism in these maturing markets will keep this trend intact.

Many Internet response rates will continue falling throughout 2006.

Search engine conversions will continue to decline.

In 2005 alone, the number of people who click through and complete a transaction on the average search engine keyword (including free ones, such as registering or opting-in to an e-zine) has fallen 22% – from around 4.5% to around 3.5%. Look for this trend to continue as consumers become increasingly bombarded with a dizzying array of choices.

E-mail open rates and click-throughs will continue their downward track.

In the latest quarter for which data is available, DoubleClick reports that e-mail open rates declined a staggering 23.6% – to 27.5%. Furthermore, of those who opened their e-mails, 6.5% fewer clicked the links in those e-mails than in the preceding quarter – about 7.2%. Hardly surprising – especially when you consider the sheer volume of e-mails sent to the average Web user each day. As the quantity of e-mails sent by marketers continues to skyrocket in 2006, expect the decline in open rates and click-throughs to fall even further.

Astonishingly, bottom-line Internet response rates will remain relatively unchanged.

While fewer prospects are opening e-mail advertisements and clicking the links, higher percentages of those clicking through are ordering. In the most recent quarter, click-to-purchase rates jumped 27.8% and actual orders per e-mail delivered rose 18.2%. As a result, revenue per e-mail sent is holding steady – at an average of 20 cents. For this reason, the Internet will continue to be a goldmine for entrepreneurs and business owners who adapt quickly in this rapidly changing environment.

Forecast #3: Internet Marketers Will Be Forced to Focus on Accountability, Tracking, Forecasting, and Testing.

While response rates are dropping and costs are rising in direct mail and the Internet, the World Wide Web still presents the greatest opportunities for attracting new customers and for selling more products to existing customers. However, the reality of today's rising-costs/falling-response virtual world will require increasing vigilance in order to maximize profits while minimizing capital risks.

Once upon a time, marketing on the Web was cheap or even free. Ill-conceived and poorly executed promotions that would have bankrupt any company paying $500/M for a direct-mail campaign were making Internet marketers fat and happy. With little if anything to lose, few iMarketers paid much attention to tracking which promotions produced a bottom-line profit – let alone which techniques produced the highest response rates.

Today, with iNet marketing costs rising and many response rates dropping, savvy iMarketers are beginning to demand that each dollar spent to generate an e-zine subscriber or website visitor produce a positive return on investment in a reasonable amount of time. At the same time, the twin demons of declining response rates and rising costs will demand that Internet marketers produce stronger headlines, subject lines, and sales copy – and that these lynchpins (see Word to the Wise, below) of direct response be constantly tested for relative effectiveness.

Forecast #4: Cheaper Media and Multi-Step Promotions Will Gain in Prominence.

As e-mail open and click-through rates continue to decline, increasing numbers of Internet marketers will turn to other media – television, radio, print, etc. – to drive prospects to landing pages and websites. Internet giants eBay, DiTech, Geico, and Progressive Insurance are already leading the way – and the savviest entrepreneurs and business owners will follow.

Forecast #5: Cooperative Marketing Arrangements Will Gain in Importance and Frequency.

In a rising-cost, falling-response environment – both on the Web and in direct mail – cooperative campaigns will bring breakthroughs in 2006. Affiliate promotions … ride-along promotions … joint ventures and product combinations … and subsidized promotions will take center stage, producing massive breakthroughs for cutting-edge marketers.

Forecast #6: Innovative Consumer-Friendly Marketing Strategies Will Take Center Stage.

To overcome rising consumer skepticism and falling response rates, increasing numbers of Internet marketers will abandon "blunt instrument" marketing strategies and messages in favor of …

"Permission" Marketing or "Invertizing" - in which consumers invite marketers into their lives. Companies that innovate ways for consumers to request advertising materials will prosper.

Advertorials that bring value to consumers' lives while making a sale will double and triple revenues and profits for many companies.

Involvement Devices that intrigue and entertain – games, contests, self-tests, and other devices that makes sites "sticky" – will produce greater increases in traffic and sales.

Viral Devices - content deemed by recipients to be valuable enough to be passed on to others – will turn each e-mail address that you pay for into two, three, or even four that you don't have to pay for.

Blogs will become an even more powerful marketing tool. These websites (where visitors are invited to share their opinions on a variety of topics) are still skyrocketing in popularity. In 2005, 33% more people visited Blogspot.Com than read The New York Times! Creating a blog and requiring visitors to register in order to share their opinions – PLUS adding links and ads to the blog site – will become a huge source of new e-mail addresses and revenues for anyone creatively exploiting them.

Rich Media will rule! With about 35% of U.S. households boasting broadband connections to the Internet, the delivery of high-impact rich media (streaming animations, video, audio, interactive games, etc.) will be a major force in boosting response to iNet promotions in 2006. In a recent study, DoubleClick found that banner ads featuring animation, rollovers, or other rich media produced FIVE TIMES the response of non-rich media ads!

Forecast #7: Innovative Delivery Formats Will Make Millions for Information Publishers and "Infopreneurs."

The format in which information products are presented will become increasingly important. Simple "special reports" delivered as PDFs will continue losing their appeal, while higher-impact formats will attract hordes of new customers. Information products sold and delivered as streaming audio and video reports … PowerPoint presentations with audio … webcasts and webinars … podcasts … live teleseminars … group and one-on-one coaching products … will attract ever-larger audiences and earn fortunes for cutting-edge marketers.

Forecast #8: For Consumers, the "Free Internet" Will Become Harder and Harder to Find.

Like the Internet, TV and radio once provided the majority of their content free to consumers. Today, these industries derive the majority of their revenues and profits directly from consumers – via cable providers, premium channel providers (such as HBO and CineMax), XM Radio, Netflix, DirecTV, and others.

This trend has already begun: U.S. consumers are now paying nearly $2 billion per year to subscribe to websites and e-zines and to access other content online. That's nearly THREE TIMES MORE than in 2001! Expect many publishers of free e-zines and websites to begin qualifying prospects and bringing revenue forward by providing brief trial periods followed by promotions aimed at converting leads to customers who pay monthly, annual, or per-access fees.

Forecast #9: International Prospects Will Gain in Importance.

While U.S. consumers have been bombarded with a mind-boggling volume of Web-based promotions and are increasingly resistant to their allure, Internet users in many other countries have escaped much of the onslaught. As a result, many Internet marketers will discover rich veins of gold overseas in the year ahead.

According to the CIA World Factbook, 186 million Americans – roughly 63% of the U.S. population – now have Web access. That's only about 19% of the global Web community. A whopping 81% of all Internet users do NOT live in the U.S. – and to a huge percentage of them, e-mails and Internet sites delivered in English are meaningless.

If you translate your e-mail blasts and websites into Spanish, you'll pick up about 76 million more prospects in the U.S., Mexico, Central America, South America, and, of course, Spain. Add French, German, Russian, and Portuguese sales messages, and you can talk to 116 million more future customers. And if you can figure out a way to make your sales messages readable to Web nerds in China and India, you'll pick up another 136 million.

Look for an increasing number of entrepreneurs and businesses to tap this largely virgin audience of consumers.

Forecast #10: The Customer Takes His Rightful Place.

Many marketers who use cheaper media – TV, radio, and the Internet, for example – build their entire businesses on making a single sale to each customer. Now, with rising costs and falling response rates, look for more Internet marketers (as well as more TV and radio infomercial producers) to adopt the venerable "Lifetime Customer Value" model that has turned so many direct-mail marketers into millionaires.

In the year ahead, increasing numbers of Internet marketers will build vast companies and fortunes by (1) generating maximum numbers of new customers at break-even, and (2) systematically increasing the lifetime value of each customer through regular monthly, weekly, even daily promotions.

In short, the most successful Internet marketers in 2006 will be those who view the marketing holistically – as an unbroken chain – and design campaigns to take prospects from first contact to first purchase in a single step, and then continuously upgrade the value of each customer over time. This will force vast improvements in the quality of products offered. It will also cause savvy marketers to think of each product sold as a promotion for the next product to be offered.

Forecast #11: Marketers Who Are the First to Capitalize on These Locked-In Trends for 2006 Will Grow Richer Than Midas in the Year Ahead!

Each one of the above trends presents a truly spectacular opportunity for entrepreneurs, business owners, and marketing pros.

[Ed. Note: Clayton Makepeace offers help in reaping maximum profits through the Internet, direct mail, and print advertising every week in his e-zine, THE TOTAL PACKAGE.

Learn 177 of his surprising secrets that have doubled his clients' profits in a year and quadrupled them in 36 months in his newly published e-book "Double Your Profits in 12 Months or Less!"]

Today's Resolution

Clayton Makepeace makes it clear that the old marketing models are fading in effectiveness … even as costs are rising. Consumers are demanding radical new approaches to both marketing and the products they purchase. So resolve to do this in 2006: (1) Review, test, and revamp your product formats, pricing strategies, and promotional strategies … from the ground up. (2) Ramp up the selling power of both your marketing and editorial copy. Doing this will pay rich dividends in the year ahead.

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Reader Feedback: "Thank you, Michael Masterson!"

"I would like to thank you for giving me the courage and strength to proceed with my goals and resolutions. I am ticking them off the list, one by one."

- AM

The Essential Macronutrients in Your Diet, Part 1: Protein

Be wary of any diet that tells you to strictly limit the protein you eat … or the fat … or the carbohydrates. You need ALL of these macronutrients. And you need the right kind. Today, let's talk about protein.

Every meal should be based on a healthy source of protein. Protein helps to build, repair, and replace the cells of your body. It is vital for a strong immune system – and it boosts your metabolism and helps preserve muscle when you are dropping pounds.

If you eat meat and dairy, choose products (including eggs, yogurt, cheese, and milk – preferably raw) from animals raised on their natural diet: grass-fed beef, bison, lamb, wild game, and free-range poultry. You should also eat wild – not farm-raised – fish that is known to be free of mercury (such as sardines and wild Alaskan salmon). Nuts and beans are also excellent sources of protein. And if you use a protein powder, choose one without artificial sweeteners. My favorite is Nutribiotic Rice Protein, which you can find in most health food stores.

I encourage you to make it one of your health resolutions for 2006 to base all your meals on protein – and to choose protein sources that are as close as possible to what Mother Nature intended.

Tomorrow … carbs!

- Jon Herring

Food for Thought: What's Really Scary About America

Do you sometimes wonder why Americans, as a group, come up with such stupid ideas about themselves and the world they live in? Here's the reason: Americans are amazingly uneducated.

One in 20 adult Americans can't read a newspaper or a prescription label. That's the result of a new federal survey – the first comprehensive look at literacy since 1992. Recent immigrants are responsible for the bulk of those 11 million illiterates, but dismally educated "inner city" people are also a significant factor.

The illiteracy rate in the U.S. is disturbing. But the semi-literacy rate is even worse. That same survey indicated that 87% of Americans can't compare the viewpoints of two editorials or interpret a table showing the relationship between blood pressure, age, and physical activity. Only about one in two Americans can "look at a heating bill and figure out that a 5-cent-per-gallon deduction on a purchase of 140 gallons of oil would yield $7," reported USA Today.

"It's a stark snapshot," admits Dale Lipschultz, the president of the National Coalition for Literacy. "A more literate America would be more competitive and prosperous."

- Michael Masterson

It's Good to Know: How to Find Good Old What's-His-Name

Looking for someone? Try the Lycos people-finder: www.whowhere.lycos.com.

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The Stock Market Has a Secret… and it Can Make You Wealthy in a Half Hour a Day

The stock market is holding an exceedingly profitable secret. It’s a very simple secret, but when you know how to use it, you can make you FAST MONEY any day you choose.

Just imagine a system that could very reliably tell you which stocks are likely to go up or down… and when. Having this information is like sitting on top of a money machine.

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A "lynchpin" (or "linchpin") is a locking pin inserted in the end of an axle to prevent a wheel from slipping off. By extension, the word is used to refer to any cohesive source of support and stability.

Example (as used by Clayton Makepeace today): "The twin demons of declining response rates and rising costs will demand that Internet marketers produce stronger headlines, subject lines, and sales copy – and that these lynchpins of direct response be constantly tested for relative effectiveness and to lift response and revenues.

Michael
Masterson
Copyright ETR, LLC, 2006

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Friday , January 6, 2006
Message #1619

WEALTHY: Buy yourself some inflation insurance

HEALTHY: Want to lose weight? DON'T go on a diet!

WISE: James Humes on the art of communication

ALSO IN THIS ISSUE:

The unexpected benefits of becoming a better writer (Paul Hollingshead)

Who's in charge of this Amex ad campaign? (Michael Masterson)

Add the word "innocuous" to your vocabulary

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What to Do About Inflation

Inflation is a real threat to stocks and bonds. Fed Chairman Bernanke thinks he can keep inflation within the relatively innocuous (see Word to the Wise, below) 2%-3% range in the future. But the government will respond to out-of-control budgets, a national debt of almost 40 trillion dollars, the war in Iraq, and the failure to enact Social Security and Medicare reform by printing more money.

Inflation will accelerate in 2006.

To protect yourself against inflation, my recommendation is to invest in real-asset funds like Oppenheimer's Real Asset Fund or PIMCO's Commodity Real Return Fund. They will continue to produce double-digit returns this year.

- Andrew Gordon

[Ed. Note: Andrew Gordon is the editor of The Skeptical Advisor, ETR's investment newsletter. Check it out at http://skepticaladvisor.com.]

"The art of communication is the language of leadership."

- James Humes

Master The Most Marketable Skill You Can Ever Have

By Paul Hollingshead

The resolution I'm going to ask you to make today has the power to change your life in many profound and specific ways.

People will respect you more.

You'll have more power to control your life, your career, and your future.

You'll be richer, happier, and more confident.

You'll have a much easier time getting people to do what you want them to do … on your timetable and on your terms.

I'm talking about developing the ability to clearly and persuasively communicate your ideas in writing.

Whether you're writing a memo to your boss making a case for a raise … or a letter trying to get an appointment with a prized client … or a report selling an idea to your employees … you'll have much more success if you're able to communicate effectively.

Plus, some other things will happen.

Effective communicators are automatically held in higher regard than those who struggle to get their ideas across. You're seen as someone who's intelligent, organized, and a clear thinker.

Your thoughts and ideas carry more clout. People respect your opinions more and give more credence to what you say.

They trust you more, because they can "feel" the sincerity and confidence that's associated with good writing and communication.

They want to help you, because your "caring" for them is evident in the tone you use and the words you choose.

I think you're getting the idea here. The way in which you frame and deliver your words can be the difference between getting people to champion your ideas – and having your ideas set aside (or, worse, dismissed altogether).

So how do you become a more persuasive, more effective communicator?

There are a few simple rules.

Know Your Reader, Love Your Reader

The Number One rule of good, persuasive writing is to know who you're writing to. This might sound obvious – but I'm talking about knowing more than just his name or position. I'm talking about really knowing him and what motivates him – his needs, his wants, his desires.

Everyone has an emotional hot button – and when you write to someone, your goal is to find it, know it, and press it. Not in a blunt way, of course. For instance, you wouldn't say to your boss: "The idea I have for you will make you the star of the next national sales meeting." Instead, you would tailor your message so it's obvious to her that you've got an idea that could have a dramatic impact on this quarter's sales figures – dramatic enough, for instance, to get the attention of the head office.

So, you see – it's a subtle, sort of backdoor, path to what she really wants.

Get Your Reader's Attention by Caring

Another little trick in making sure you're speaking directly to the needs, wants, and desires of your reader in a real and sincere way is to truly care for him and want to help him.

When you know, care for, and truly want to help the person or people you're writing to, you can't help but write something that's more personal and sincere.

Keep It Conversational

Good writing is all about establishing a rapport and connection with your readers. That's why the last thing you want to do is "write"to them like a writer would. Instead, you should "speak" to them the way you'd speak to a friend – in an easy and free-flowing "conversational" tone.

Now, by "conversational," I don't mean "Ya, it's like, wow, man" or "Getta load of this, dude" or "This is soooo rad, it's sick."

No. These examples are a little too conversational, if you know what I mean.

On the other hand, you don't want your writing to sound like a policy paper or a government report either. Nor do you want to use a lot of big, flowery words that could be perceived by your reader as trying to impress him.

Good writing is about striking a balance between the two extremes. It's about writing in the way a caring, intelligent person would speak to someone he sincerely wants to help in some way.

Make the Benefit Clear – and Demonstrate You Can Deliver

Now that you know, respect, and care about your reader, you need to state what your idea or proposal is going to do for him – clearly, early, and often. State it in the form of a benefit that will have a direct impact on his well-being. (In copywriting, we call this the Big Promise.)

When doing this, try and be as specific as possible. For instance, if you have a product or an idea that will increase sales, don't say: "I think this idea will add thousands of dollars to the bottom line." Do the research to determine how much your idea will impact sales. Come up with a specific number, so you can say: "I have an idea that will add $94,000 to the bottom line next month, $114,000 the month after, and over $221,000 every month after that" – and then show how it will happen.

The "showing" is very important. You can't just throw numbers out there without proving how you're going to get to them. You have to back them up with real and credible research – and show your reader how you're going to achieve your promise.

Here's a simple example … an e-mail message to a manager from a sales rep about a new lead opportunity.

Re: A Plan to Add $1.12 Million in Sales This Year

Dear Richard,

I know the brass is putting some pressure on us to up the numbers in the coming quarter, and I know our last meeting generated some pretty good ideas for doing just that. But something you mentioned in our last meeting triggered an idea that might go a long way to accomplishing that. In fact, when I do the numbers, I think we could realistically add at least $1,128,000 to the bottom line – this year and every year that follows.

Let me explain. Remember when you mentioned we don't do enough market-specific selling to our peripheral markets – those customers who can benefit from our products, but don't see our national advertising campaigns? Well, I think I have a solution.

I've done some research and identified 146 companies in 12 specific market sectors that could benefit from our products immediately. These are people who don't know much about us – but should. Like Amco International, which, according it one industry journal I read, spends over $776,000 a year with our competitors. And then there's Bilco Resources. They spent $1,240,000 last year alone buying products similar to ours – and have budgeted $1.6 million to do the same for the coming year.

I think you'll agree, these are huge opportunities. If Amco's numbers are typical of this "unexplored market" (and my research suggests they are) – and we were to get just 1% of that over the coming year – it could have a $1.13 million impact on our sales in 2006.

I think 1% is a realistic number (with a good campaign). But I'm sure that number could be even higher with your help. Which is what I'd like to talk to you about …

I've come up with what I think is a solid plan for reaching those markets without impacting our advertising budget. And although I'd love the opportunity to put it together with your blessing, I would also like to get your input. After all, you know this market better than anyone … and I have a hunch that with your views and direction, we could realistically capture 2% to 5% of this market – perhaps much more over time.

That's when the numbers really take off. At that level, we're looking at anywhere between $2.26 million and $5.65 million in added sales. And because my plan piggybacks off existing marketing efforts, it's bound to increase the margins as well.

And wouldn't that make the boys upstairs happy?

I hope you're as excited about this opportunity as I am. This could be even better than the last time we put our heads together … and landed Rockwell Inc., which has gone on to spend over $2.3 million with us over the past five years.

I'm ready and anxious to move on this. All I need is an hour of your time and your valuable input.

Please let me know when we can get together.

Sincerely,
Bob White, Eastern Sales

This letter does some very good things. "Bob White" takes the time to know who he's talking to … to understand that "Richard" is under pressure from the head office to increase sales. He makes it clear that he has a plan to help. Plus, he makes some specific promises, backed up by solid research (which gives him great credibility).

He makes it clear that he's ready to champion this plan on his own – and that he doesn't need anything from Richard but an hour of his time and the benefit of his experience. He even makes it a point to remind Richard of a past success they've had. He provides secondary benefits. And he wraps it up with a clear and specific call to action: "Please let me know when we can get together." (Notice he didn't say, "Can we get together?")

Also, the tone is conversation, yet authoritative and respectful. He doesn't brag, pander, or offer opinions.

This is not a letter someone could just shrug off. It commands respect and attention – and positions the writer as someone who's eager, knowledgeable, and cares about the company's – and, therefore, everyone's – success.
 
[Ed. Note: Paul Hollingshead is a professional copywriter and the co-founder of AWAI.]

Today's Resolution

Promise yourself that you will become a more effective communicator by applying Paul's guidelines to everything you write from now on.

And if you're interested in learning much more about communicating in writing, you may want to look into AWAI's copywriting program. Although it's designed for people who want to take up writing sales-oriented letters as a career, it's loaded with tips, secrets, and techniques for making all of your writing as powerful and persuasive as possible. In fact, the report detailing the program is, in itself, a very good and successful example of what persuasive writing can do, having generated millions of dollars in sales over the past two years.

Read the report and get all the details here:

http://www.thewriterslife.com/ph/etr1

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Eat More to Lose More (Weight, That Is)

If your goal is to lose weight this year – whether 5 pounds or 50 – you should NOT go on a diet. Dieting fails for more than 9 out of 10 people – for two very simple reasons.

First, most "diets" focus on restricting the amount of food you eat. And unless you enjoy being in a perpetual state of hunger, you won't stick with it. Plus, by restricting calories, you send a signal to your body that you are starving. This sets off a survival mechanism that slows down your metabolism and causes your body to hoard what you eat and store it as fat. With a decreased metabolism, you're bound to regain the weight – and then some – when you begin to eat normally.

If you want to lose weight – and keep it off for life – you should eat smaller meals more frequently. And you should focus on eating more of the right foods. This will raise your metabolism naturally. It will send a signal to your body that there is no emergency – that it is okay to release fat.

So ditch the foods that add to your belly and detract from your health, and keep your kitchen (and your workplace) well stocked with nutritious foods and snacks. I make it a point to always keep fruit, yogurt (unsweetened … I just add a little stevia and berries), almonds, sardines, peanut butter, and celery around. I also spend some time every few weeks to make healthy meals that I can freeze in individual portions. That way, when I don't have time to prepare a meal, I always have a healthy lunch or dinner ready to go.

If one of your New Year's resolutions is to lose weight, don't plan to do it by dieting. Stop starving yourself … and lose the weight forever by eating more of the foods that Mother Nature intended for you to eat.

- Jon Herring

Notes From Michael Masterson's Journal: What Is Amex Thinking?

These new American Express advertisements – the "My Life. My Card." ones – are obnoxious. (Have you seen them?) The one I'm looking at now displays a pseudo hand-written profile of Mike Lazaridis – the genius behind the development of the BlackBerry. Mr. Lazaridis says his childhood ambition was "to change the world" … that his fondest memory is "the image of my children's smiling faces" … that his favorite soundtrack is "laughter" … that his wildest dream is to "unblock the secrets of the universe" … and so on. Did he really write this namby-pamby stuff? Or … is it an image that some ad exec thinks Amex ought to be projecting?

- Michael Masterson

* Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

Something that is "innocuous" (ih-NOK-yoo-us) is harmless. The word is derived from the Latin "nocere" ("to harm").

Example (as used by Andrew today): "Fed Chairman Bernanke thinks he can keep inflation within the relatively innocuous 2%-3% range in the future."

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

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point them to:

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To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Friday , January 6, 2006
Message #1619

WEALTHY: Buy yourself some inflation insurance

HEALTHY: Want to lose weight? DON'T go on a diet!

WISE: James Humes on the art of communication

ALSO IN THIS ISSUE:

The unexpected benefits of becoming a better writer (Paul Hollingshead)

Who's in charge of this Amex ad campaign? (Michael Masterson)

Add the word "innocuous" to your vocabulary

*
Advertisement *

Want to Bypass the Property “Bubble"?
Here’s the Safest Way to Make Fast Cash in Real Estate…

Are you cash strapped at the moment? Poor credit? Thinking about real estate but worried about the property bubble? Well, consider this…

When I started in real estate, I had just closed a failed restaurant. I was going through a divorce, and I had a negative net worth. When I discovered the system you are about to learn about… I made $14,000 within my first 8 weeks.

Then I got serious and started to make some real money… including over $100,000 CASH in a single month… twice! And I have proven this works over 300 times. I'd like to tell you how you can take the same road… without the trial and error… and without missing out on the opportunities that are available right now…

http://www.isecureonline.com/Reports/700SWFQC/E700FC15/

What to Do About Inflation

Inflation is a real threat to stocks and bonds. Fed Chairman Bernanke thinks he can keep inflation within the relatively innocuous (see Word to the Wise, below) 2%-3% range in the future. But the government will respond to out-of-control budgets, a national debt of almost 40 trillion dollars, the war in Iraq, and the failure to enact Social Security and Medicare reform by printing more money.

Inflation will accelerate in 2006.

To protect yourself against inflation, my recommendation is to invest in real-asset funds like Oppenheimer's Real Asset Fund or PIMCO's Commodity Real Return Fund. They will continue to produce double-digit returns this year.

- Andrew Gordon

[Ed. Note: Andrew Gordon is the editor of The Skeptical Advisor, ETR's investment newsletter. Check it out at http://skepticaladvisor.com.]

"The art of communication is the language of leadership."

- James Humes

Master The Most Marketable Skill You Can Ever Have

By Paul Hollingshead

The resolution I'm going to ask you to make today has the power to change your life in many profound and specific ways.

People will respect you more.

You'll have more power to control your life, your career, and your future.

You'll be richer, happier, and more confident.

You'll have a much easier time getting people to do what you want them to do … on your timetable and on your terms.

I'm talking about developing the ability to clearly and persuasively communicate your ideas in writing.

Whether you're writing a memo to your boss making a case for a raise … or a letter trying to get an appointment with a prized client … or a report selling an idea to your employees … you'll have much more success if you're able to communicate effectively.

Plus, some other things will happen.

Effective communicators are automatically held in higher regard than those who struggle to get their ideas across. You're seen as someone who's intelligent, organized, and a clear thinker.

Your thoughts and ideas carry more clout. People respect your opinions more and give more credence to what you say.

They trust you more, because they can "feel" the sincerity and confidence that's associated with good writing and communication.

They want to help you, because your "caring" for them is evident in the tone you use and the words you choose.

I think you're getting the idea here. The way in which you frame and deliver your words can be the difference between getting people to champion your ideas – and having your ideas set aside (or, worse, dismissed altogether).

So how do you become a more persuasive, more effective communicator?

There are a few simple rules.

Know Your Reader, Love Your Reader

The Number One rule of good, persuasive writing is to know who you're writing to. This might sound obvious – but I'm talking about knowing more than just his name or position. I'm talking about really knowing him and what motivates him – his needs, his wants, his desires.

Everyone has an emotional hot button – and when you write to someone, your goal is to find it, know it, and press it. Not in a blunt way, of course. For instance, you wouldn't say to your boss: "The idea I have for you will make you the star of the next national sales meeting." Instead, you would tailor your message so it's obvious to her that you've got an idea that could have a dramatic impact on this quarter's sales figures – dramatic enough, for instance, to get the attention of the head office.

So, you see – it's a subtle, sort of backdoor, path to what she really wants.

Get Your Reader's Attention by Caring

Another little trick in making sure you're speaking directly to the needs, wants, and desires of your reader in a real and sincere way is to truly care for him and want to help him.

When you know, care for, and truly want to help the person or people you're writing to, you can't help but write something that's more personal and sincere.

Keep It Conversational

Good writing is all about establishing a rapport and connection with your readers. That's why the last thing you want to do is "write"to them like a writer would. Instead, you should "speak" to them the way you'd speak to a friend – in an easy and free-flowing "conversational" tone.

Now, by "conversational," I don't mean "Ya, it's like, wow, man" or "Getta load of this, dude" or "This is soooo rad, it's sick."

No. These examples are a little too conversational, if you know what I mean.

On the other hand, you don't want your writing to sound like a policy paper or a government report either. Nor do you want to use a lot of big, flowery words that could be perceived by your reader as trying to impress him.

Good writing is about striking a balance between the two extremes. It's about writing in the way a caring, intelligent person would speak to someone he sincerely wants to help in some way.

Make the Benefit Clear – and Demonstrate You Can Deliver

Now that you know, respect, and care about your reader, you need to state what your idea or proposal is going to do for him – clearly, early, and often. State it in the form of a benefit that will have a direct impact on his well-being. (In copywriting, we call this the Big Promise.)

When doing this, try and be as specific as possible. For instance, if you have a product or an idea that will increase sales, don't say: "I think this idea will add thousands of dollars to the bottom line." Do the research to determine how much your idea will impact sales. Come up with a specific number, so you can say: "I have an idea that will add $94,000 to the bottom line next month, $114,000 the month after, and over $221,000 every month after that" – and then show how it will happen.

The "showing" is very important. You can't just throw numbers out there without proving how you're going to get to them. You have to back them up with real and credible research – and show your reader how you're going to achieve your promise.

Here's a simple example … an e-mail message to a manager from a sales rep about a new lead opportunity.

Re: A Plan to Add $1.12 Million in Sales This Year

Dear Richard,

I know the brass is putting some pressure on us to up the numbers in the coming quarter, and I know our last meeting generated some pretty good ideas for doing just that. But something you mentioned in our last meeting triggered an idea that might go a long way to accomplishing that. In fact, when I do the numbers, I think we could realistically add at least $1,128,000 to the bottom line – this year and every year that follows.

Let me explain. Remember when you mentioned we don't do enough market-specific selling to our peripheral markets – those customers who can benefit from our products, but don't see our national advertising campaigns? Well, I think I have a solution.

I've done some research and identified 146 companies in 12 specific market sectors that could benefit from our products immediately. These are people who don't know much about us – but should. Like Amco International, which, according it one industry journal I read, spends over $776,000 a year with our competitors. And then there's Bilco Resources. They spent $1,240,000 last year alone buying products similar to ours – and have budgeted $1.6 million to do the same for the coming year.

I think you'll agree, these are huge opportunities. If Amco's numbers are typical of this "unexplored market" (and my research suggests they are) – and we were to get just 1% of that over the coming year – it could have a $1.13 million impact on our sales in 2006.

I think 1% is a realistic number (with a good campaign). But I'm sure that number could be even higher with your help. Which is what I'd like to talk to you about …

I've come up with what I think is a solid plan for reaching those markets without impacting our advertising budget. And although I'd love the opportunity to put it together with your blessing, I would also like to get your input. After all, you know this market better than anyone … and I have a hunch that with your views and direction, we could realistically capture 2% to 5% of this market – perhaps much more over time.

That's when the numbers really take off. At that level, we're looking at anywhere between $2.26 million and $5.65 million in added sales. And because my plan piggybacks off existing marketing efforts, it's bound to increase the margins as well.

And wouldn't that make the boys upstairs happy?

I hope you're as excited about this opportunity as I am. This could be even better than the last time we put our heads together … and landed Rockwell Inc., which has gone on to spend over $2.3 million with us over the past five years.

I'm ready and anxious to move on this. All I need is an hour of your time and your valuable input.

Please let me know when we can get together.

Sincerely,
Bob White, Eastern Sales

This letter does some very good things. "Bob White" takes the time to know who he's talking to … to understand that "Richard" is under pressure from the head office to increase sales. He makes it clear that he has a plan to help. Plus, he makes some specific promises, backed up by solid research (which gives him great credibility).

He makes it clear that he's ready to champion this plan on his own – and that he doesn't need anything from Richard but an hour of his time and the benefit of his experience. He even makes it a point to remind Richard of a past success they've had. He provides secondary benefits. And he wraps it up with a clear and specific call to action: "Please let me know when we can get together." (Notice he didn't say, "Can we get together?")

Also, the tone is conversation, yet authoritative and respectful. He doesn't brag, pander, or offer opinions.

This is not a letter someone could just shrug off. It commands respect and attention – and positions the writer as someone who's eager, knowledgeable, and cares about the company's – and, therefore, everyone's – success.
 
[Ed. Note: Paul Hollingshead is a professional copywriter and the co-founder of AWAI.]

Today's Resolution

Promise yourself that you will become a more effective communicator by applying Paul's guidelines to everything you write from now on.

And if you're interested in learning much more about communicating in writing, you may want to look into AWAI's copywriting program. Although it's designed for people who want to take up writing sales-oriented letters as a career, it's loaded with tips, secrets, and techniques for making all of your writing as powerful and persuasive as possible. In fact, the report detailing the program is, in itself, a very good and successful example of what persuasive writing can do, having generated millions of dollars in sales over the past two years.

Read the report and get all the details here:

http://www.thewriterslife.com/ph/etr1

* Advertisement *

Turn A Single $100 Investment Into A $2,000-A-Week Profit Machine

In the next seven days, 4,589 people will leave their jobs, never go back… and have all the money they will ever need.

I would tell you that these people are “very lucky,” but the fact of the matter is that there is no luck involved.

It’s happening everywhere. Ordinary people — including people who never finished school -– starting their own businesses…and making in the neighborhood of $40,000…$60,000…even $100,000 or more a year.

Even though all these people are “ordinary” in some ways, one thing is certainly “out of the ordinary” about them:

Many used the same secret to start a business on less than $100. You can do it, too. Here's how:

http://www.isecureonline.com/Reports/700SPLMB/E700FC46/

Eat More to Lose More (Weight, That Is)

If your goal is to lose weight this year – whether 5 pounds or 50 – you should NOT go on a diet. Dieting fails for more than 9 out of 10 people – for two very simple reasons.

First, most "diets" focus on restricting the amount of food you eat. And unless you enjoy being in a perpetual state of hunger, you won't stick with it. Plus, by restricting calories, you send a signal to your body that you are starving. This sets off a survival mechanism that slows down your metabolism and causes your body to hoard what you eat and store it as fat. With a decreased metabolism, you're bound to regain the weight – and then some – when you begin to eat normally.

If you want to lose weight – and keep it off for life – you should eat smaller meals more frequently. And you should focus on eating more of the right foods. This will raise your metabolism naturally. It will send a signal to your body that there is no emergency – that it is okay to release fat.

So ditch the foods that add to your belly and detract from your health, and keep your kitchen (and your workplace) well stocked with nutritious foods and snacks. I make it a point to always keep fruit, yogurt (unsweetened … I just add a little stevia and berries), almonds, sardines, peanut butter, and celery around. I also spend some time every few weeks to make healthy meals that I can freeze in individual portions. That way, when I don't have time to prepare a meal, I always have a healthy lunch or dinner ready to go.

If one of your New Year's resolutions is to lose weight, don't plan to do it by dieting. Stop starving yourself … and lose the weight forever by eating more of the foods that Mother Nature intended for you to eat.

- Jon Herring

Notes From Michael Masterson's Journal: What Is Amex Thinking?

These new American Express advertisements – the "My Life. My Card." ones – are obnoxious. (Have you seen them?) The one I'm looking at now displays a pseudo hand-written profile of Mike Lazaridis – the genius behind the development of the BlackBerry. Mr. Lazaridis says his childhood ambition was "to change the world" … that his fondest memory is "the image of my children's smiling faces" … that his favorite soundtrack is "laughter" … that his wildest dream is to "unblock the secrets of the universe" … and so on. Did he really write this namby-pamby stuff? Or … is it an image that some ad exec thinks Amex ought to be projecting?

- Michael Masterson

* Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

Something that is "innocuous" (ih-NOK-yoo-us) is harmless. The word is derived from the Latin "nocere" ("to harm").

Example (as used by Andrew today): "Fed Chairman Bernanke thinks he can keep inflation within the relatively innocuous 2%-3% range in the future."

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Friday , January 6, 2006
Message #1619

WEALTHY: Buy yourself some inflation insurance

HEALTHY: Want to lose weight? DON'T go on a diet!

WISE: James Humes on the art of communication

ALSO IN THIS ISSUE:

The unexpected benefits of becoming a better writer (Paul Hollingshead)

Who's in charge of this Amex ad campaign? (Michael Masterson)

Add the word "innocuous" to your vocabulary

*
Advertisement *

Want to Bypass the Property “Bubble"?
Here’s the Safest Way to Make Fast Cash in Real Estate…

Are you cash strapped at the moment? Poor credit? Thinking about real estate but worried about the property bubble? Well, consider this…

When I started in real estate, I had just closed a failed restaurant. I was going through a divorce, and I had a negative net worth. When I discovered the system you are about to learn about… I made $14,000 within my first 8 weeks.

Then I got serious and started to make some real money… including over $100,000 CASH in a single month… twice! And I have proven this works over 300 times. I'd like to tell you how you can take the same road… without the trial and error… and without missing out on the opportunities that are available right now…

http://www.isecureonline.com/Reports/700SWFQC/E700FC15/

What to Do About Inflation

Inflation is a real threat to stocks and bonds. Fed Chairman Bernanke thinks he can keep inflation within the relatively innocuous (see Word to the Wise, below) 2%-3% range in the future. But the government will respond to out-of-control budgets, a national debt of almost 40 trillion dollars, the war in Iraq, and the failure to enact Social Security and Medicare reform by printing more money.

Inflation will accelerate in 2006.

To protect yourself against inflation, my recommendation is to invest in real-asset funds like Oppenheimer's Real Asset Fund or PIMCO's Commodity Real Return Fund. They will continue to produce double-digit returns this year.

- Andrew Gordon

[Ed. Note: Andrew Gordon is the editor of The Skeptical Advisor, ETR's investment newsletter. Check it out at http://skepticaladvisor.com.]

"The art of communication is the language of leadership."

- James Humes

Master The Most Marketable Skill You Can Ever Have

By Paul Hollingshead

The resolution I'm going to ask you to make today has the power to change your life in many profound and specific ways.

People will respect you more.

You'll have more power to control your life, your career, and your future.

You'll be richer, happier, and more confident.

You'll have a much easier time getting people to do what you want them to do … on your timetable and on your terms.

I'm talking about developing the ability to clearly and persuasively communicate your ideas in writing.

Whether you're writing a memo to your boss making a case for a raise … or a letter trying to get an appointment with a prized client … or a report selling an idea to your employees … you'll have much more success if you're able to communicate effectively.

Plus, some other things will happen.

Effective communicators are automatically held in higher regard than those who struggle to get their ideas across. You're seen as someone who's intelligent, organized, and a clear thinker.

Your thoughts and ideas carry more clout. People respect your opinions more and give more credence to what you say.

They trust you more, because they can "feel" the sincerity and confidence that's associated with good writing and communication.

They want to help you, because your "caring" for them is evident in the tone you use and the words you choose.

I think you're getting the idea here. The way in which you frame and deliver your words can be the difference between getting people to champion your ideas – and having your ideas set aside (or, worse, dismissed altogether).

So how do you become a more persuasive, more effective communicator?

There are a few simple rules.

Know Your Reader, Love Your Reader

The Number One rule of good, persuasive writing is to know who you're writing to. This might sound obvious – but I'm talking about knowing more than just his name or position. I'm talking about really knowing him and what motivates him – his needs, his wants, his desires.

Everyone has an emotional hot button – and when you write to someone, your goal is to find it, know it, and press it. Not in a blunt way, of course. For instance, you wouldn't say to your boss: "The idea I have for you will make you the star of the next national sales meeting." Instead, you would tailor your message so it's obvious to her that you've got an idea that could have a dramatic impact on this quarter's sales figures – dramatic enough, for instance, to get the attention of the head office.

So, you see – it's a subtle, sort of backdoor, path to what she really wants.

Get Your Reader's Attention by Caring

Another little trick in making sure you're speaking directly to the needs, wants, and desires of your reader in a real and sincere way is to truly care for him and want to help him.

When you know, care for, and truly want to help the person or people you're writing to, you can't help but write something that's more personal and sincere.

Keep It Conversational

Good writing is all about establishing a rapport and connection with your readers. That's why the last thing you want to do is "write"to them like a writer would. Instead, you should "speak" to them the way you'd speak to a friend – in an easy and free-flowing "conversational" tone.

Now, by "conversational," I don't mean "Ya, it's like, wow, man" or "Getta load of this, dude" or "This is soooo rad, it's sick."

No. These examples are a little too conversational, if you know what I mean.

On the other hand, you don't want your writing to sound like a policy paper or a government report either. Nor do you want to use a lot of big, flowery words that could be perceived by your reader as trying to impress him.

Good writing is about striking a balance between the two extremes. It's about writing in the way a caring, intelligent person would speak to someone he sincerely wants to help in some way.

Make the Benefit Clear – and Demonstrate You Can Deliver

Now that you know, respect, and care about your reader, you need to state what your idea or proposal is going to do for him – clearly, early, and often. State it in the form of a benefit that will have a direct impact on his well-being. (In copywriting, we call this the Big Promise.)

When doing this, try and be as specific as possible. For instance, if you have a product or an idea that will increase sales, don't say: "I think this idea will add thousands of dollars to the bottom line." Do the research to determine how much your idea will impact sales. Come up with a specific number, so you can say: "I have an idea that will add $94,000 to the bottom line next month, $114,000 the month after, and over $221,000 every month after that" – and then show how it will happen.

The "showing" is very important. You can't just throw numbers out there without proving how you're going to get to them. You have to back them up with real and credible research – and show your reader how you're going to achieve your promise.

Here's a simple example … an e-mail message to a manager from a sales rep about a new lead opportunity.

Re: A Plan to Add $1.12 Million in Sales This Year

Dear Richard,

I know the brass is putting some pressure on us to up the numbers in the coming quarter, and I know our last meeting generated some pretty good ideas for doing just that. But something you mentioned in our last meeting triggered an idea that might go a long way to accomplishing that. In fact, when I do the numbers, I think we could realistically add at least $1,128,000 to the bottom line – this year and every year that follows.

Let me explain. Remember when you mentioned we don't do enough market-specific selling to our peripheral markets – those customers who can benefit from our products, but don't see our national advertising campaigns? Well, I think I have a solution.

I've done some research and identified 146 companies in 12 specific market sectors that could benefit from our products immediately. These are people who don't know much about us – but should. Like Amco International, which, according it one industry journal I read, spends over $776,000 a year with our competitors. And then there's Bilco Resources. They spent $1,240,000 last year alone buying products similar to ours – and have budgeted $1.6 million to do the same for the coming year.

I think you'll agree, these are huge opportunities. If Amco's numbers are typical of this "unexplored market" (and my research suggests they are) – and we were to get just 1% of that over the coming year – it could have a $1.13 million impact on our sales in 2006.

I think 1% is a realistic number (with a good campaign). But I'm sure that number could be even higher with your help. Which is what I'd like to talk to you about …

I've come up with what I think is a solid plan for reaching those markets without impacting our advertising budget. And although I'd love the opportunity to put it together with your blessing, I would also like to get your input. After all, you know this market better than anyone … and I have a hunch that with your views and direction, we could realistically capture 2% to 5% of this market – perhaps much more over time.

That's when the numbers really take off. At that level, we're looking at anywhere between $2.26 million and $5.65 million in added sales. And because my plan piggybacks off existing marketing efforts, it's bound to increase the margins as well.

And wouldn't that make the boys upstairs happy?

I hope you're as excited about this opportunity as I am. This could be even better than the last time we put our heads together … and landed Rockwell Inc., which has gone on to spend over $2.3 million with us over the past five years.

I'm ready and anxious to move on this. All I need is an hour of your time and your valuable input.

Please let me know when we can get together.

Sincerely,
Bob White, Eastern Sales

This letter does some very good things. "Bob White" takes the time to know who he's talking to … to understand that "Richard" is under pressure from the head office to increase sales. He makes it clear that he has a plan to help. Plus, he makes some specific promises, backed up by solid research (which gives him great credibility).

He makes it clear that he's ready to champion this plan on his own – and that he doesn't need anything from Richard but an hour of his time and the benefit of his experience. He even makes it a point to remind Richard of a past success they've had. He provides secondary benefits. And he wraps it up with a clear and specific call to action: "Please let me know when we can get together." (Notice he didn't say, "Can we get together?")

Also, the tone is conversation, yet authoritative and respectful. He doesn't brag, pander, or offer opinions.

This is not a letter someone could just shrug off. It commands respect and attention – and positions the writer as someone who's eager, knowledgeable, and cares about the company's – and, therefore, everyone's – success.
 
[Ed. Note: Paul Hollingshead is a professional copywriter and the co-founder of AWAI.]

Today's Resolution

Promise yourself that you will become a more effective communicator by applying Paul's guidelines to everything you write from now on.

And if you're interested in learning much more about communicating in writing, you may want to look into AWAI's copywriting program. Although it's designed for people who want to take up writing sales-oriented letters as a career, it's loaded with tips, secrets, and techniques for making all of your writing as powerful and persuasive as possible. In fact, the report detailing the program is, in itself, a very good and successful example of what persuasive writing can do, having generated millions of dollars in sales over the past two years.

Read the report and get all the details here:

http://www.thewriterslife.com/ph/etr1

* Advertisement *

Turn A Single $100 Investment Into A $2,000-A-Week Profit Machine

In the next seven days, 4,589 people will leave their jobs, never go back… and have all the money they will ever need.

I would tell you that these people are “very lucky,” but the fact of the matter is that there is no luck involved.

It’s happening everywhere. Ordinary people — including people who never finished school -– starting their own businesses…and making in the neighborhood of $40,000…$60,000…even $100,000 or more a year.

Even though all these people are “ordinary” in some ways, one thing is certainly “out of the ordinary” about them:

Many used the same secret to start a business on less than $100. You can do it, too. Here's how:

http://www.isecureonline.com/Reports/700SPLMB/E700FC46/

Eat More to Lose More (Weight, That Is)

If your goal is to lose weight this year – whether 5 pounds or 50 – you should NOT go on a diet. Dieting fails for more than 9 out of 10 people – for two very simple reasons.

First, most "diets" focus on restricting the amount of food you eat. And unless you enjoy being in a perpetual state of hunger, you won't stick with it. Plus, by restricting calories, you send a signal to your body that you are starving. This sets off a survival mechanism that slows down your metabolism and causes your body to hoard what you eat and store it as fat. With a decreased metabolism, you're bound to regain the weight – and then some – when you begin to eat normally.

If you want to lose weight – and keep it off for life – you should eat smaller meals more frequently. And you should focus on eating more of the right foods. This will raise your metabolism naturally. It will send a signal to your body that there is no emergency – that it is okay to release fat.

So ditch the foods that add to your belly and detract from your health, and keep your kitchen (and your workplace) well stocked with nutritious foods and snacks. I make it a point to always keep fruit, yogurt (unsweetened … I just add a little stevia and berries), almonds, sardines, peanut butter, and celery around. I also spend some time every few weeks to make healthy meals that I can freeze in individual portions. That way, when I don't have time to prepare a meal, I always have a healthy lunch or dinner ready to go.

If one of your New Year's resolutions is to lose weight, don't plan to do it by dieting. Stop starving yourself … and lose the weight forever by eating more of the foods that Mother Nature intended for you to eat.

- Jon Herring

Notes From Michael Masterson's Journal: What Is Amex Thinking?

These new American Express advertisements – the "My Life. My Card." ones – are obnoxious. (Have you seen them?) The one I'm looking at now displays a pseudo hand-written profile of Mike Lazaridis – the genius behind the development of the BlackBerry. Mr. Lazaridis says his childhood ambition was "to change the world" … that his fondest memory is "the image of my children's smiling faces" … that his favorite soundtrack is "laughter" … that his wildest dream is to "unblock the secrets of the universe" … and so on. Did he really write this namby-pamby stuff? Or … is it an image that some ad exec thinks Amex ought to be projecting?

- Michael Masterson

* Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

Something that is "innocuous" (ih-NOK-yoo-us) is harmless. The word is derived from the Latin "nocere" ("to harm").

Example (as used by Andrew today): "Fed Chairman Bernanke thinks he can keep inflation within the relatively innocuous 2%-3% range in the future."

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Thursday , January 5, 2006
Message #1618

WEALTHY: The only way to guarantee financial independence (Michael Masterson)

HEALTHY: Dr. Sears demolishes another fitness myth

WISE: Ralph Waldo Emerson on making good use of your time

ALSO IN THIS ISSUE:

A smart tip for self-promoting your online business (Ilise Benun)

Why snowflakes look the way they look

Add the word "ambivalence" to your vocabulary

*
Advertisement *

Two Sure Things About the Market (That Can Make You Wealthy)

There are two eternal truths about the stock market:

Unexpected good news about a company almost ALWAYS drives the price up
That good news doesn't make the share price stay up for long

Now… let me show you a simple system that can help you to make an absolute fortune with this information. People who are using this system properly make several profitable trades almost EVERY day the market is open.

http://www.isecureonline.com/Reports/700SSTS/E700FC63/

"Guard well your spare moments. They are like uncut diamonds. Discard them and their value will never be known. Improve them and they will become the brightest gems in a useful life."

- Ralph Waldo Emerson

Increase Your Income by 25% in 2006

By Michael Masterson

Today, you are going to make a commitment to make more money.

That doesn't sound like a bad idea, does it? If you are ambivalent (see Word to the Wise, below), consider this: The only way to be truly independent – to not have to rely on relatives, friends, and the government for material support – is to have a good deal of money sitting somewhere, earning interest for you.

But how are you going to put away "a good deal" of money? If you believe in the millionaire-next-door myth, you'll answer: "By scrimping and saving!" But did you know that most studies that tout "the miracle of compound interest" take place over 30 or 40 years? Who wants to wait 30 or 40 years to get wealthy? Who can?

As I explain in my book Automatic Wealth, the only way an average income earner can set aside a lot of money is to earn a lot of money. Are you earning a lot of money now? Would you like to earn more?

I hope so, because with the war against Iraq, the decline of the dollar, and the overvaluation of the stock market, our economy is straining at the seams. If air starts coming out – and it may happen this year – taxes will be higher and net income, overall, will be lower.

Your best defense is a proactive strike on the income side – by making a commitment to earn more money.

How about promising to boost your family income – the amount of money you bring home – by between 10% and 25% this year? If your family income is now $80,000, for example, set a target of between $88,000 and $100,000.

If you accomplish this goal, you'll not only be richer, you'll also be in a much better position to make more money the following year. Each time you boost your income, you develop knowledge, strategies, networks, and habits that make it easier to boost your income in the future.

You don't need too many years of 10% – 25% increases before you are solidly on the road to financial independence. In fact, at some point in time (and it will probably come sooner than you think if you get serious about this commitment), you won't have to think about your income at all. It will be plenty big enough to take care of all your material needs and fantasies … and you'll have enough going to savings to ensure a safe and comfortable "retirement."

Increasing your income requires work, but it is not complex. There are two ways to do it – and you can (and should) do both at the same time.

1. You can persuade the company you work for to pay you more.

2. You can develop "extra" streams of income by working part-time or on the weekends, by investing in real estate, and/or by starting your own home-based business.

1. Get a Salary Increase in 2006

How do you get your boss to give you a substantial raise this year? There is only one way: You have to make yourself more valuable to the success of the business. Businesses are built to create profits. So if you want to be more valuable to your business, you have to find a way to directly contribute to the bottom line.

The four most common ways are:

Making sales

If you are a salesperson now, you know how to earn more money as a salesperson: Increase your sales. To do that, you must improve your selling skills, make more contacts, and provide better service to your customers. In ETR, we regularly talk about how to do all of those things.

Marketing

If you are currently in marketing, make yourself a promise to become your company's No. 1 "marketing genius" this year. You can accomplish this with relative ease by mastering direct marketing. And you can do that by joining Agora Learning Institute's Direct Marketing University. While you are doing that, attend seminars on advertising and copywriting. Listen to tapes. Speak to the best marketers and profit-center managers in your business. Network with successful people from other businesses.

Creating and/or developing products/services

If you are not in product development, you should become known as a creator of more "profitable" products. I emphasize the word "profitable" to make a point: It doesn't matter what you think of the products you make; it's the customers' opinions (demonstrated by their purchases) that matter. Start the new year with a clean creative slate. Ask yourself, "What's the single most profitable product I could possibly create this year?"

Managing a profit center within the company

Think about what your customers dream about (or worry about) at night. Making your business better is all about paying attention to the customers. Start with them.

The main point is this: You are going to make more money this year, because you are going to get better at selling, marketing, creating products, and/or managing the production of profits – both for the business that employs you … and for another little venture of your own.

 2. Develop Multiple Streams Of Income

It's appealing to think that you can earn an extra $10,000 to $100,000 a year in your spare time – and you can. But there's a risk involved. The risk is that you'll subvert your primary career. That you'll blow your chances of becoming a top earner at the company you currently work for by spending too much time thinking about other, smaller ventures.

You can avoid that by:

1. Setting priorities. Until you quit your day job, that's No. 1.

2. Keeping the first part of today's resolution – making yourself more valuable to the success of the business you're currently working for. You won't have to worry about how much time to devote to this as opposed to that if you continue to focus on directly contributing to the profits of your employer. Do that and you'll have the best of both worlds – a boss who needs you (and pays you well) … and an opportunity to do something else.

There are several ways to supplement your income.

1. You can buy and sell real estate.
2. You can invest in stocks.
3. You can start your own side business.

Starting tomorrow, these are some of the subjects we'll be covering to help you refine your goals for 2006.

I know and trust the people you will be hearing from. They have walked the walk and now they are going to let you benefit from their experience. If you are looking to increase your income in 2006, I advise you to take advantage of what they have to say.

Today's Resolution

Promise yourself that you are going to boost your income by 10% – 25% this year. And make it happen by using ETR's goal-setting system to establish monthly and weekly objectives for (1) getting your boss to give you a big raise, and (2) starting a little something "on the side."

1. Let your boss know right now that you intend to make a bigger contribution to the company's profits this year – and ask him to give you some assignments that will help you do it. (No need to tell him you're shooting for a higher salary. He'll understand.)

Do the work you are doing now better. And do the new work – the assignments that will prove your mettle – like a tiger.

2. Pay close attention to the ideas for supplementing your salary that you'll be reading about in ETR. At least one of them will be right for you – an additional stream of income that you can start working on immediately.

* Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G115/

Less Is More

When it comes to exercise, conventional wisdom says that "more is better." But in his book The Doctor's Heart Cure, Dr. Al Sears demolishes this myth, showing that long cardio workouts are not only a waste of time, they can actually cause health problems. Instead, with his PACE Program, you put the emphasis on the intensity of your exercise rather than duration. Yesterday, I recommended that you make doing this one of your health resolutions for 2006 – and I hope you did. Not only will you improve your heart and lung capacity and your overall health, but it's the best way I know to shed fat quickly.

I followed Dr. Sears' PACE Program last year, and the results were amazing. I rarely worked out for more than 20 or 30 minutes, yet I attained a high level of fitness and 10% bodyfat. But mine is by no means the only success story. Here is a letter I received from ETR reader KL in Florida …

"I work out regularly and my weight has never fluctuated more than a few pounds. So imagine my surprise when I mysteriously put on 15 pounds – more than 15% of my bodyweight – in just a few months. I wasn't eating any differently or exercising less, so I had no idea of the cause – until I read Dr. Sears' book.

"I used to do what I call "high-low" exercise. In other words, I would exercise in short intense bursts, then rest and repeat. But I made a change when I read something that said long, slow workouts are better – and that's when I put on fat. When I read Dr. Sears' book, I learned that long duration cardio sends a signal to the body that you NEED fat, so the body holds onto it. When I began to follow his program, not only did I cut my exercise time in half, but my slim figure returned in less than a month."

For a complete explanation of why the PACE Program works, read Dr. Sears' book. You'll be glad you did.

- Jon Herring

Quick Tip: Driving Traffic to Your Website

One great way to get potential customers to your website is to (1) write articles related to the product/service you're selling, and (2) get those articles published on other websites that your prospects are likely to visit. (Sites all over the Web are hungry for content.) Just make sure your byline or blurb at the end of the article includes a link to your website. Check out www.ezinearticles.com to see how it's done.

- Ilise Benun

[Ed. Note: Ilise Benun is an expert in the art of self-promotion. Sign up for her e-mail tips from Marketing Mentor here: www.marketing-mentortips.com.]

It's Good to Know: The Physics of Snowflakes

Snow can form at temperatures as warm as 32 degrees F. Snowflakes produced at this temperature usually look like thin hexagonal plates. A drop of a few degrees, and they develop as needles or hollow columns. Only when the temperature drops to between 10 and 3 degrees F will you see the intricate, lacy shapes that we think of when we think of snowflakes.

The more a developing snowflake is exposed to humidity and wind, the more elaborate it becomes. And the more elaborate it becomes, the heavier it gets … until it falls out of the clouds and onto a gloved finger or a waiting tongue.

For more information about the physics of snowflake formation, get a copy of The Snowflake: Winter's Secret by Kenneth Libbrecht and Patricia Rasmussen.

- Suzanne Richardson

* Advertisement *

Pray That Your Competitor Doesn't Find Out
About This System Ahead Of You

You name it, Jay Abraham can sell it better, faster, more profitably and easily than anyone else. He knows nearly 100 different ways (you don't know) to more successfully sell your products or service – offline or online! He knows over 50 ways to make more money from the same effort, time and opportunity just by changing the marketing strategy and approach you follow.

Jay knows how to give away free information and turn all your inquiries into millions or tens of millions of dollars in your bank account. He knows how you can buy your other competitor's business, using no money out of your pockets and never bear any downside risk.

Anthony Robbins says, "One idea Jay gave me in the first hour increased our company's marketing effectiveness by more than 100%. Jay is phenomenal, amazing."

I'm talking about the opportunity for you to profit massively. I'm also talking about the once-in a lifetime chance to learn Jay's very best $5,000-an-hour, fortune building business secrets.

http://www.isecureonline.com/Reports/700SJABG/E700FC50/

"Ambivalence" (am-BIV-uh-luns) is the coexistence of opposing attitudes or feelings toward a person, an object, or an idea. The word is derived from the Latin "valere" ("to be strong").

Example (as I used it today): "If you are ambivalent [about the idea of making more money], consider this: The only way to be truly independent – to not have to rely on relatives, friends, and the government for material support – is to have a good deal of money sitting somewhere, earning interest for you. "

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Wednesday , January 4, 2006
Message #1617

WEALTHY: A good way to protect against a flat stock market

HEALTHY: What are your plans for the next 6 weeks? (Jon Herring)

WISE: Robert Urich on being healthy

ALSO IN THIS ISSUE:

Why do we submit to this idiocy? (Michael Masterson)

Before you go ahead with your online ad campaign, read this …

Add the word "wizened" to your vocabulary

*
Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G121/

The Best ETF for 2006

Investors will have a tough time making serious profits in the stock market using exchange-traded funds (ETFs). Four years after the equity markets peaked, stocks are still largely overvalued. Besides, the yield curve inverted recently, and that almost invariably signals a recession within the next 12 months or so … which is never good for stocks.

The best bet for ETF investors will be to invest in StreetTracks Gold Trust (GLD) – an ETF that tracks the price of gold. GLD should reach at least $60 a share by year's end – up from its current price of around $54.

So my recommendation is to put a small portion of your savings – 5% to 10% – in the GLD ETF to protect yourself against a flat stock market while taking advantage of a strong bull market in gold.

- Andrew Gordon

[Ed. Note: Andrew Gordon is the editor of The Skeptical Advisor, ETR's investment newsletter. Check it out at http://skepticaladvisor.com.]

"A healthy outside starts on the inside."

- Robert Urich

A Brand-New You: Make 2006 the Healthiest Year of Your Life

By Jon Herring

This time last year, I was 25 pounds over my ideal weight. I didn't like the way I looked, and I wasn't happy with the way I felt. My skin was broken out. My mental clarity was diminished. And my energy waned in the afternoons. Not exactly how I wanted to feel at 34 (or at any age). So I decided to do something about it.

I began by turning my complete attention to several very specific short-term goals. (In my Health brief yesterday, I recommended that you do the same thing.) I intended to lose 20 pounds in six weeks, and then to drop the other five by March.

By February 15th, I had lost the 20 pounds. And before the 1st of March, I was my ideal weight for the first time in five years. In just a few weeks time, my body became lean and muscular, my skin cleared up, and my youthful energy and mental clarity were restored tenfold.

The best part is that I maintained that state of fitness (or better) for the entire year – and it was effortless. I never went on a "diet" or denied myself the pleasures of great food, and I didn't spend hours and hours working out.

Today, I'll tell you how I did it – and how you, too, can achieve all of your most important health and fitness goals.

Why Do You Want to Be Healthy?

What are you trying to accomplish for the long term? This is important. Your reason for wanting to be healthy has to be very powerful and compelling if it's going to keep you motivated to make the right choices and develop healthy habits.

My ultimate long-term health goal is simple: I want to enjoy a healthspan that is equal to my lifespan. In other words, I intend to remain strong, active, and mentally sharp until the day I die of natural causes. To do that, I will make the choices throughout my life that will help prevent the diseases that are largely related to lifestyle – like cancer, heart disease, and diabetes.

Maybe your long-term goal is to maintain the strength and health to enjoy a long and active retirement. And/or to be around to watch the grandkids grow up. Perhaps you want to overcome a current health problem.

Considering your long-term health goals – and keeping in mind that those long-term objectives should tie in to your health goals for the year – focus now on what you will accomplish in the next six weeks.

Maybe your six-week goal is to lower your cholesterol without drugs … or lose 10 pounds … or stop smoking … or break an addiction to sugar … or show off a new six pack … or just feel well again.

Make it something that is significant (to you), measurable, and challenging. And you must write it down. Don't worry about the rest of the year … just concentrate on what you will accomplish by February 15th.

Bear down for the next six weeks, and you won't even think of stopping when you get there.

Contrary to what many people believe, "becoming healthy" does not have to involve drudgery, toil, and denial. You can still eat delicious meals when you're hungry. And you can work out less than 30 minutes a day, while maintaining an amazing state of health and fitness. Here's how to do it …

The Way You Eat

The key is not to focus on what you can't eat, but to focus on eating more of the right foods … whole fruits and vegetables, naturally raised lean meats and poultry, wild fish, eggs, fresh herbs, nuts, berries, seeds, and all-natural (preferably raw) dairy.

You should eat breakfast every morning, followed by another four or five snacks and small meals throughout the day. By "topping off the tank" every few hours, you won't be as likely to overeat. Frequent meals will also boost your metabolism, sending a message to your body that "the hunting is good" and making it a lot easier to burn fat. And, finally, eating frequent small meals will help balance your blood sugar, resulting in fewer food cravings, more mental clarity, and a better all-around mood.

If there is any "denial" involved, this is it: I encourage you to strictly limit the amount of sugar and refined carbohydrates and starches you eat. Overconsumption of these foods will not only increase your risk of heart disease, cancer, and diabetes, it's also a direct route to the fat farm.

Eat too many simple carbs, and your metabolism will respond by storing fat and burning sugar for energy. To lose fat, you must convert your body to a fat-burning state by limiting the foods that convert rapidly to sugar. Without the excess glucose in your system, your body will create energy by breaking down fat instead of burning sugar.

This one simple change can produce effortless weight loss and a dramatic improvement in your energy, your mood, and your health.

The Way You Exercise

You are designed to be mobile and active, and without regular physical activity your body quickly begins to deteriorate. So, choose exercises that you enjoy, and make a commitment to do SOMETHING every single day – even if it is just a walk around the block or a few stretches before going to bed.

If your goal is to burn fat, as well as making an impact on your health, focus on the intensity of your exercise more than the duration. The best way I know to do that is to practice intervals. Intervals can be applied to any form of cardiovascular exercise, even walking.

The idea is to exert yourself at 70% – 80% of your maximum effort for a full minute or two. Then, while you continue to move, dial down your effort for a few minutes to recover. After a brief, active rest, raise the intensity again for a minute or two. Do this for seven or eight intervals and you're done. And you will have just completed a highly beneficial workout in less than 20 minutes.

In addition to exercises that build your heart and lung capacity, you should also do some form of resistance exercise (strength training). Resistance exercise will improve your appearance, increase the strength of your bones and muscles, and raise your metabolism (making it that much easier to burn off fat).

My favorite form of resistance training is bodyweight calisthenics. You don't need any special equipment and you can do these exercises anywhere. The best part is that you can improve your strength, balance, and flexibility and your cardiovascular conditioning all at the same time. Matt Furey, an occasional contributor to ETR, offers several products that show you how to perform a wide range of exercises suitable for any fitness level. I've used Matt's products and followed his suggestions, and I could not be happier with the results.

Make 2006 the Year You Finally Make It Happen

I urge you to make the strongest commitment to your health and fitness this year.

If you are already where you want to be with your weight and health and level of fitness, congratulations! Keep up the great work. But, if you are not, then this is YOUR year.

No matter what your age … or prior bad habits … or how overweight and unhealthy you might feel at the moment … you can attain a peak level of health and fitness. And when you do, your thinking will be improved … you will have more creativity and energy to pursue your goals … you will feel more confident and in control of your life … your relationships will be better … your success will be an inspiration to others … and you will gain the respect of those around you.

Make 2006 the year you finally make it happen!

Today's Resolution

Focus on February 15th. Take a few minutes to set several challenging, yet attainable health goals that you would like to accomplish in the next six weeks.

Choose to eat more of the foods that support your health and strength.

Choose exercises that you enjoy, and do something every day. And choose to exercise with greater intensity as opposed to greater duration.

Make these choices a habit and you'll feel a change within days. Within a week, you'll see the difference. And within a few months, you will find yourself staring in the mirror at a vision of health and fitness.

* Advertisement *

Increase Your Income By Actually Working Less Than You Do Today

Real success and freedom don’t come from working for someone else. Or from letting the boss decide how much money you're worth.

Instead, they come from leaving the world of wage slaves behind and starting your own high-profit business – where you have only yourself to satisfy, and you decide how big your income grows.

If you are looking for a genuine chance to make a ton of money and retire early, this is one of the last entrepreneurial ventures left out there. It’s also one that you can realistically start earning income from in a matter of weeks.

http://www.isecureonline.com/Reports/700SCBMO/E700FC85/

Notes From Michael Masterson's Journal: Airport Security

Almost everything about airport security is idiotic. The X-raying of shoes, the prohibition against cigarette lighters and cigar cutters, the puff machines, the random searches.

Today, a wizened (see Word to the Wise, below) old Palm Beach County airport cop dressed me down for leaving my bags "unattended" while I got myself a coffee. Rather than lug everything with me through the line, I like to put my things down on a chair that is within eyeshot of the self-service counter and get my coffee unbridled with personal crap.

That explanation didn't sit well with this crotchety fossil. He threatened to write me up, to detain me, to arrest me, even to "blow up" my bag. I wanted so much to tell him what a fool he was.

But you can't call foolery by its proper name these days. In the name of national security (whatever that is), we submit to dumb rules and dumbbell regulators … even though we know very well that all of it put together doesn't amount to one little bit of extra safety.

Take this stupid rule about keeping your bags with you. The idea is to prevent some terrorist from planting a bomb in your suitcase. What we have learned about terrorists, however, is that they are perfectly willing to blow themselves up with their bombs. So they don't need to plant a bomb in some else's luggage. They can simply carry it on themselves.

Cigarette lighters aren't allowed on planes because they hold fuel. They are, to the minds of the people who write these regulations, little bombs. I wonder how many of them you'd have to "set off" to destroy a cloth napkin.

My favorite prohibited device is the cigar cutter – the kind that looks like a little plastic guillotine. The idea, in banning it, is not that it would be used to decapitate someone's (presumably, the terrorist's) finger ("Fly this 767 into that building or I will cut off my index finger!") but that it could be "disassembled" and the blade used as a weapon. I don't know what kind of damage you could do with a little blade like that – possibly cut off someone's suit jacket buttons.

Most people – travelers and security personnel both – know how silly all this is. The problem arises when you run into someone feebleminded enough to take the regulations seriously. Then you are in real danger – not from terrorists, of course, but from your protector.

- Michael Masterson

[Ed. Note: Tell us how you feel about airport "security" on the ETR Speak Out forum http://speakoutforum.com/forum/.]

It's Good to Know: How Consumers Rate Online Ads

The universally despised pop-up ads are on the way out – and not only because of the increasing use of technology to block them. Advertisers are finding that it's in their best interests to format their ads in ways that users consider to be less intrusive. From best to worst, here's the way consumers rank online ads:

1. Banner ads
2. Ads with video
3. Skyscraper ads
4. Ads with audio
5. Large rectangular or square ads
6. Out-of-frame/floating/overlay
7. Pop-under ads
8. Pop-in-between ads/interstitials
9. Pop-up ads

(Source: Dynamic Logic)

* Advertisement *

The Easiest and Fastest Way to Make Quick Cash…
And I’ve Proven it Works Over 300 Times

Eight years ago, I had just come out of a failed restaurant venture, I was going through a divorce, and I had a negative net worth. I only knew two things – I had to do something and I had no money.

I took the plunge into what I saw as my safest and most immediately profitable opportunity. Within my first 8 weeks I made $14,000. Today I average $20,000 profit per deal. And I have proven this works over 300 times!

I'd like to tell you how you can take the same road… without the trial and error… and without missing out on the opportunities that are available right now…

http://www.isecureonline.com/Reports/700SWFQC/E700FC15/

Something that is "wizened" (WIZ-und) is shriveled and dried up. The word is derived from the Old English "wisnian."

Example (as I used it today): "Today, a wizened old Palm Beach County airport cop dressed me down for leaving my bags 'unattended' while I got myself a coffee."

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Wednesday , January 4, 2006
Message #1617

WEALTHY: A good way to protect against a flat stock market

HEALTHY: What are your plans for the next 6 weeks? (Jon Herring)

WISE: Robert Urich on being healthy

ALSO IN THIS ISSUE:

Why do we submit to this idiocy? (Michael Masterson)

Before you go ahead with your online ad campaign, read this …

Add the word "wizened" to your vocabulary

*
Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G121/

The Best ETF for 2006

Investors will have a tough time making serious profits in the stock market using exchange-traded funds (ETFs). Four years after the equity markets peaked, stocks are still largely overvalued. Besides, the yield curve inverted recently, and that almost invariably signals a recession within the next 12 months or so … which is never good for stocks.

The best bet for ETF investors will be to invest in StreetTracks Gold Trust (GLD) – an ETF that tracks the price of gold. GLD should reach at least $60 a share by year's end – up from its current price of around $54.

So my recommendation is to put a small portion of your savings – 5% to 10% – in the GLD ETF to protect yourself against a flat stock market while taking advantage of a strong bull market in gold.

- Andrew Gordon

[Ed. Note: Andrew Gordon is the editor of The Skeptical Advisor, ETR's investment newsletter. Check it out at http://skepticaladvisor.com.]

"A healthy outside starts on the inside."

- Robert Urich

A Brand-New You: Make 2006 the Healthiest Year of Your Life

By Jon Herring

This time last year, I was 25 pounds over my ideal weight. I didn't like the way I looked, and I wasn't happy with the way I felt. My skin was broken out. My mental clarity was diminished. And my energy waned in the afternoons. Not exactly how I wanted to feel at 34 (or at any age). So I decided to do something about it.

I began by turning my complete attention to several very specific short-term goals. (In my Health brief yesterday, I recommended that you do the same thing.) I intended to lose 20 pounds in six weeks, and then to drop the other five by March.

By February 15th, I had lost the 20 pounds. And before the 1st of March, I was my ideal weight for the first time in five years. In just a few weeks time, my body became lean and muscular, my skin cleared up, and my youthful energy and mental clarity were restored tenfold.

The best part is that I maintained that state of fitness (or better) for the entire year – and it was effortless. I never went on a "diet" or denied myself the pleasures of great food, and I didn't spend hours and hours working out.

Today, I'll tell you how I did it – and how you, too, can achieve all of your most important health and fitness goals.

Why Do You Want to Be Healthy?

What are you trying to accomplish for the long term? This is important. Your reason for wanting to be healthy has to be very powerful and compelling if it's going to keep you motivated to make the right choices and develop healthy habits.

My ultimate long-term health goal is simple: I want to enjoy a healthspan that is equal to my lifespan. In other words, I intend to remain strong, active, and mentally sharp until the day I die of natural causes. To do that, I will make the choices throughout my life that will help prevent the diseases that are largely related to lifestyle – like cancer, heart disease, and diabetes.

Maybe your long-term goal is to maintain the strength and health to enjoy a long and active retirement. And/or to be around to watch the grandkids grow up. Perhaps you want to overcome a current health problem.

Considering your long-term health goals – and keeping in mind that those long-term objectives should tie in to your health goals for the year – focus now on what you will accomplish in the next six weeks.

Maybe your six-week goal is to lower your cholesterol without drugs … or lose 10 pounds … or stop smoking … or break an addiction to sugar … or show off a new six pack … or just feel well again.

Make it something that is significant (to you), measurable, and challenging. And you must write it down. Don't worry about the rest of the year … just concentrate on what you will accomplish by February 15th.

Bear down for the next six weeks, and you won't even think of stopping when you get there.

Contrary to what many people believe, "becoming healthy" does not have to involve drudgery, toil, and denial. You can still eat delicious meals when you're hungry. And you can work out less than 30 minutes a day, while maintaining an amazing state of health and fitness. Here's how to do it …

The Way You Eat

The key is not to focus on what you can't eat, but to focus on eating more of the right foods … whole fruits and vegetables, naturally raised lean meats and poultry, wild fish, eggs, fresh herbs, nuts, berries, seeds, and all-natural (preferably raw) dairy.

You should eat breakfast every morning, followed by another four or five snacks and small meals throughout the day. By "topping off the tank" every few hours, you won't be as likely to overeat. Frequent meals will also boost your metabolism, sending a message to your body that "the hunting is good" and making it a lot easier to burn fat. And, finally, eating frequent small meals will help balance your blood sugar, resulting in fewer food cravings, more mental clarity, and a better all-around mood.

If there is any "denial" involved, this is it: I encourage you to strictly limit the amount of sugar and refined carbohydrates and starches you eat. Overconsumption of these foods will not only increase your risk of heart disease, cancer, and diabetes, it's also a direct route to the fat farm.

Eat too many simple carbs, and your metabolism will respond by storing fat and burning sugar for energy. To lose fat, you must convert your body to a fat-burning state by limiting the foods that convert rapidly to sugar. Without the excess glucose in your system, your body will create energy by breaking down fat instead of burning sugar.

This one simple change can produce effortless weight loss and a dramatic improvement in your energy, your mood, and your health.

The Way You Exercise

You are designed to be mobile and active, and without regular physical activity your body quickly begins to deteriorate. So, choose exercises that you enjoy, and make a commitment to do SOMETHING every single day – even if it is just a walk around the block or a few stretches before going to bed.

If your goal is to burn fat, as well as making an impact on your health, focus on the intensity of your exercise more than the duration. The best way I know to do that is to practice intervals. Intervals can be applied to any form of cardiovascular exercise, even walking.

The idea is to exert yourself at 70% – 80% of your maximum effort for a full minute or two. Then, while you continue to move, dial down your effort for a few minutes to recover. After a brief, active rest, raise the intensity again for a minute or two. Do this for seven or eight intervals and you're done. And you will have just completed a highly beneficial workout in less than 20 minutes.

In addition to exercises that build your heart and lung capacity, you should also do some form of resistance exercise (strength training). Resistance exercise will improve your appearance, increase the strength of your bones and muscles, and raise your metabolism (making it that much easier to burn off fat).

My favorite form of resistance training is bodyweight calisthenics. You don't need any special equipment and you can do these exercises anywhere. The best part is that you can improve your strength, balance, and flexibility and your cardiovascular conditioning all at the same time. Matt Furey, an occasional contributor to ETR, offers several products that show you how to perform a wide range of exercises suitable for any fitness level. I've used Matt's products and followed his suggestions, and I could not be happier with the results.

Make 2006 the Year You Finally Make It Happen

I urge you to make the strongest commitment to your health and fitness this year.

If you are already where you want to be with your weight and health and level of fitness, congratulations! Keep up the great work. But, if you are not, then this is YOUR year.

No matter what your age … or prior bad habits … or how overweight and unhealthy you might feel at the moment … you can attain a peak level of health and fitness. And when you do, your thinking will be improved … you will have more creativity and energy to pursue your goals … you will feel more confident and in control of your life … your relationships will be better … your success will be an inspiration to others … and you will gain the respect of those around you.

Make 2006 the year you finally make it happen!

Today's Resolution

Focus on February 15th. Take a few minutes to set several challenging, yet attainable health goals that you would like to accomplish in the next six weeks.

Choose to eat more of the foods that support your health and strength.

Choose exercises that you enjoy, and do something every day. And choose to exercise with greater intensity as opposed to greater duration.

Make these choices a habit and you'll feel a change within days. Within a week, you'll see the difference. And within a few months, you will find yourself staring in the mirror at a vision of health and fitness.

* Advertisement *

Increase Your Income By Actually Working Less Than You Do Today

Real success and freedom don’t come from working for someone else. Or from letting the boss decide how much money you're worth.

Instead, they come from leaving the world of wage slaves behind and starting your own high-profit business – where you have only yourself to satisfy, and you decide how big your income grows.

If you are looking for a genuine chance to make a ton of money and retire early, this is one of the last entrepreneurial ventures left out there. It’s also one that you can realistically start earning income from in a matter of weeks.

http://www.isecureonline.com/Reports/700SCBMO/E700FC85/

Notes From Michael Masterson's Journal: Airport Security

Almost everything about airport security is idiotic. The X-raying of shoes, the prohibition against cigarette lighters and cigar cutters, the puff machines, the random searches.

Today, a wizened (see Word to the Wise, below) old Palm Beach County airport cop dressed me down for leaving my bags "unattended" while I got myself a coffee. Rather than lug everything with me through the line, I like to put my things down on a chair that is within eyeshot of the self-service counter and get my coffee unbridled with personal crap.

That explanation didn't sit well with this crotchety fossil. He threatened to write me up, to detain me, to arrest me, even to "blow up" my bag. I wanted so much to tell him what a fool he was.

But you can't call foolery by its proper name these days. In the name of national security (whatever that is), we submit to dumb rules and dumbbell regulators … even though we know very well that all of it put together doesn't amount to one little bit of extra safety.

Take this stupid rule about keeping your bags with you. The idea is to prevent some terrorist from planting a bomb in your suitcase. What we have learned about terrorists, however, is that they are perfectly willing to blow themselves up with their bombs. So they don't need to plant a bomb in some else's luggage. They can simply carry it on themselves.

Cigarette lighters aren't allowed on planes because they hold fuel. They are, to the minds of the people who write these regulations, little bombs. I wonder how many of them you'd have to "set off" to destroy a cloth napkin.

My favorite prohibited device is the cigar cutter – the kind that looks like a little plastic guillotine. The idea, in banning it, is not that it would be used to decapitate someone's (presumably, the terrorist's) finger ("Fly this 767 into that building or I will cut off my index finger!") but that it could be "disassembled" and the blade used as a weapon. I don't know what kind of damage you could do with a little blade like that – possibly cut off someone's suit jacket buttons.

Most people – travelers and security personnel both – know how silly all this is. The problem arises when you run into someone feebleminded enough to take the regulations seriously. Then you are in real danger – not from terrorists, of course, but from your protector.

- Michael Masterson

[Ed. Note: Tell us how you feel about airport "security" on the ETR Speak Out forum http://speakoutforum.com/forum/.]

It's Good to Know: How Consumers Rate Online Ads

The universally despised pop-up ads are on the way out – and not only because of the increasing use of technology to block them. Advertisers are finding that it's in their best interests to format their ads in ways that users consider to be less intrusive. From best to worst, here's the way consumers rank online ads:

1. Banner ads
2. Ads with video
3. Skyscraper ads
4. Ads with audio
5. Large rectangular or square ads
6. Out-of-frame/floating/overlay
7. Pop-under ads
8. Pop-in-between ads/interstitials
9. Pop-up ads

(Source: Dynamic Logic)

* Advertisement *

The Easiest and Fastest Way to Make Quick Cash…
And I’ve Proven it Works Over 300 Times

Eight years ago, I had just come out of a failed restaurant venture, I was going through a divorce, and I had a negative net worth. I only knew two things – I had to do something and I had no money.

I took the plunge into what I saw as my safest and most immediately profitable opportunity. Within my first 8 weeks I made $14,000. Today I average $20,000 profit per deal. And I have proven this works over 300 times!

I'd like to tell you how you can take the same road… without the trial and error… and without missing out on the opportunities that are available right now…

http://www.isecureonline.com/Reports/700SWFQC/E700FC15/

Something that is "wizened" (WIZ-und) is shriveled and dried up. The word is derived from the Old English "wisnian."

Example (as I used it today): "Today, a wizened old Palm Beach County airport cop dressed me down for leaving my bags 'unattended' while I got myself a coffee."

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Wednesday , January 4, 2006
Message #1617

WEALTHY: A good way to protect against a flat stock market

HEALTHY: What are your plans for the next 6 weeks? (Jon Herring)

WISE: Robert Urich on being healthy

ALSO IN THIS ISSUE:

Why do we submit to this idiocy? (Michael Masterson)

Before you go ahead with your online ad campaign, read this …

Add the word "wizened" to your vocabulary

*
Advertisement *

Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence

Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.

"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.

"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."

Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.

Resolve to make 2006 the year you kick it up a notch.  Here’s how:

http://www.isecureonline.com/Reports/700SGB/E700G121/

The Best ETF for 2006

Investors will have a tough time making serious profits in the stock market using exchange-traded funds (ETFs). Four years after the equity markets peaked, stocks are still largely overvalued. Besides, the yield curve inverted recently, and that almost invariably signals a recession within the next 12 months or so … which is never good for stocks.

The best bet for ETF investors will be to invest in StreetTracks Gold Trust (GLD) – an ETF that tracks the price of gold. GLD should reach at least $60 a share by year's end – up from its current price of around $54.

So my recommendation is to put a small portion of your savings – 5% to 10% – in the GLD ETF to protect yourself against a flat stock market while taking advantage of a strong bull market in gold.

- Andrew Gordon

[Ed. Note: Andrew Gordon is the editor of The Skeptical Advisor, ETR's investment newsletter. Check it out at http://skepticaladvisor.com.]

"A healthy outside starts on the inside."

- Robert Urich

A Brand-New You: Make 2006 the Healthiest Year of Your Life

By Jon Herring

This time last year, I was 25 pounds over my ideal weight. I didn't like the way I looked, and I wasn't happy with the way I felt. My skin was broken out. My mental clarity was diminished. And my energy waned in the afternoons. Not exactly how I wanted to feel at 34 (or at any age). So I decided to do something about it.

I began by turning my complete attention to several very specific short-term goals. (In my Health brief yesterday, I recommended that you do the same thing.) I intended to lose 20 pounds in six weeks, and then to drop the other five by March.

By February 15th, I had lost the 20 pounds. And before the 1st of March, I was my ideal weight for the first time in five years. In just a few weeks time, my body became lean and muscular, my skin cleared up, and my youthful energy and mental clarity were restored tenfold.

The best part is that I maintained that state of fitness (or better) for the entire year – and it was effortless. I never went on a "diet" or denied myself the pleasures of great food, and I didn't spend hours and hours working out.

Today, I'll tell you how I did it – and how you, too, can achieve all of your most important health and fitness goals.

Why Do You Want to Be Healthy?

What are you trying to accomplish for the long term? This is important. Your reason for wanting to be healthy has to be very powerful and compelling if it's going to keep you motivated to make the right choices and develop healthy habits.

My ultimate long-term health goal is simple: I want to enjoy a healthspan that is equal to my lifespan. In other words, I intend to remain strong, active, and mentally sharp until the day I die of natural causes. To do that, I will make the choices throughout my life that will help prevent the diseases that are largely related to lifestyle – like cancer, heart disease, and diabetes.

Maybe your long-term goal is to maintain the strength and health to enjoy a long and active retirement. And/or to be around to watch the grandkids grow up. Perhaps you want to overcome a current health problem.

Considering your long-term health goals – and keeping in mind that those long-term objectives should tie in to your health goals for the year – focus now on what you will accomplish in the next six weeks.

Maybe your six-week goal is to lower your cholesterol without drugs … or lose 10 pounds … or stop smoking … or break an addiction to sugar … or show off a new six pack … or just feel well again.

Make it something that is significant (to you), measurable, and challenging. And you must write it down. Don't worry about the rest of the year … just concentrate on what you will accomplish by February 15th.

Bear down for the next six weeks, and you won't even think of stopping when you get there.

Contrary to what many people believe, "becoming healthy" does not have to involve drudgery, toil, and denial. You can still eat delicious meals when you're hungry. And you can work out less than 30 minutes a day, while maintaining an amazing state of health and fitness. Here's how to do it …

The Way You Eat

The key is not to focus on what you can't eat, but to focus on eating more of the right foods … whole fruits and vegetables, naturally raised lean meats and poultry, wild fish, eggs, fresh herbs, nuts, berries, seeds, and all-natural (preferably raw) dairy.

You should eat breakfast every morning, followed by another four or five snacks and small meals throughout the day. By "topping off the tank" every few hours, you won't be as likely to overeat. Frequent meals will also boost your metabolism, sending a message to your body that "the hunting is good" and making it a lot easier to burn fat. And, finally, eating frequent small meals will help balance your blood sugar, resulting in fewer food cravings, more mental clarity, and a better all-around mood.

If there is any "denial" involved, this is it: I encourage you to strictly limit the amount of sugar and refined carbohydrates and starches you eat. Overconsumption of these foods will not only increase your risk of heart disease, cancer, and diabetes, it's also a direct route to the fat farm.

Eat too many simple carbs, and your metabolism will respond by storing fat and burning sugar for energy. To lose fat, you must convert your body to a fat-burning state by limiting the foods that convert rapidly to sugar. Without the excess glucose in your system, your body will create energy by breaking down fat instead of burning sugar.

This one simple change can produce effortless weight loss and a dramatic improvement in your energy, your mood, and your health.

The Way You Exercise

You are designed to be mobile and active, and without regular physical activity your body quickly begins to deteriorate. So, choose exercises that you enjoy, and make a commitment to do SOMETHING every single day – even if it is just a walk around the block or a few stretches before going to bed.

If your goal is to burn fat, as well as making an impact on your health, focus on the intensity of your exercise more than the duration. The best way I know to do that is to practice intervals. Intervals can be applied to any form of cardiovascular exercise, even walking.

The idea is to exert yourself at 70% – 80% of your maximum effort for a full minute or two. Then, while you continue to move, dial down your effort for a few minutes to recover. After a brief, active rest, raise the intensity again for a minute or two. Do this for seven or eight intervals and you're done. And you will have just completed a highly beneficial workout in less than 20 minutes.

In addition to exercises that build your heart and lung capacity, you should also do some form of resistance exercise (strength training). Resistance exercise will improve your appearance, increase the strength of your bones and muscles, and raise your metabolism (making it that much easier to burn off fat).

My favorite form of resistance training is bodyweight calisthenics. You don't need any special equipment and you can do these exercises anywhere. The best part is that you can improve your strength, balance, and flexibility and your cardiovascular conditioning all at the same time. Matt Furey, an occasional contributor to ETR, offers several products that show you how to perform a wide range of exercises suitable for any fitness level. I've used Matt's products and followed his suggestions, and I could not be happier with the results.

Make 2006 the Year You Finally Make It Happen

I urge you to make the strongest commitment to your health and fitness this year.

If you are already where you want to be with your weight and health and level of fitness, congratulations! Keep up the great work. But, if you are not, then this is YOUR year.

No matter what your age … or prior bad habits … or how overweight and unhealthy you might feel at the moment … you can attain a peak level of health and fitness. And when you do, your thinking will be improved … you will have more creativity and energy to pursue your goals … you will feel more confident and in control of your life … your relationships will be better … your success will be an inspiration to others … and you will gain the respect of those around you.

Make 2006 the year you finally make it happen!

Today's Resolution

Focus on February 15th. Take a few minutes to set several challenging, yet attainable health goals that you would like to accomplish in the next six weeks.

Choose to eat more of the foods that support your health and strength.

Choose exercises that you enjoy, and do something every day. And choose to exercise with greater intensity as opposed to greater duration.

Make these choices a habit and you'll feel a change within days. Within a week, you'll see the difference. And within a few months, you will find yourself staring in the mirror at a vision of health and fitness.

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Notes From Michael Masterson's Journal: Airport Security

Almost everything about airport security is idiotic. The X-raying of shoes, the prohibition against cigarette lighters and cigar cutters, the puff machines, the random searches.

Today, a wizened (see Word to the Wise, below) old Palm Beach County airport cop dressed me down for leaving my bags "unattended" while I got myself a coffee. Rather than lug everything with me through the line, I like to put my things down on a chair that is within eyeshot of the self-service counter and get my coffee unbridled with personal crap.

That explanation didn't sit well with this crotchety fossil. He threatened to write me up, to detain me, to arrest me, even to "blow up" my bag. I wanted so much to tell him what a fool he was.

But you can't call foolery by its proper name these days. In the name of national security (whatever that is), we submit to dumb rules and dumbbell regulators … even though we know very well that all of it put together doesn't amount to one little bit of extra safety.

Take this stupid rule about keeping your bags with you. The idea is to prevent some terrorist from planting a bomb in your suitcase. What we have learned about terrorists, however, is that they are perfectly willing to blow themselves up with their bombs. So they don't need to plant a bomb in some else's luggage. They can simply carry it on themselves.

Cigarette lighters aren't allowed on planes because they hold fuel. They are, to the minds of the people who write these regulations, little bombs. I wonder how many of them you'd have to "set off" to destroy a cloth napkin.

My favorite prohibited device is the cigar cutter – the kind that looks like a little plastic guillotine. The idea, in banning it, is not that it would be used to decapitate someone's (presumably, the terrorist's) finger ("Fly this 767 into that building or I will cut off my index finger!") but that it could be "disassembled" and the blade used as a weapon. I don't know what kind of damage you could do with a little blade like that – possibly cut off someone's suit jacket buttons.

Most people – travelers and security personnel both – know how silly all this is. The problem arises when you run into someone feebleminded enough to take the regulations seriously. Then you are in real danger – not from terrorists, of course, but from your protector.

- Michael Masterson

[Ed. Note: Tell us how you feel about airport "security" on the ETR Speak Out forum http://speakoutforum.com/forum/.]

It's Good to Know: How Consumers Rate Online Ads

The universally despised pop-up ads are on the way out – and not only because of the increasing use of technology to block them. Advertisers are finding that it's in their best interests to format their ads in ways that users consider to be less intrusive. From best to worst, here's the way consumers rank online ads:

1. Banner ads
2. Ads with video
3. Skyscraper ads
4. Ads with audio
5. Large rectangular or square ads
6. Out-of-frame/floating/overlay
7. Pop-under ads
8. Pop-in-between ads/interstitials
9. Pop-up ads

(Source: Dynamic Logic)

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Something that is "wizened" (WIZ-und) is shriveled and dried up. The word is derived from the Old English "wisnian."

Example (as I used it today): "Today, a wizened old Palm Beach County airport cop dressed me down for leaving my bags 'unattended' while I got myself a coffee."

Michael
Masterson
Copyright ETR, LLC, 2006

ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.

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Nothing
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All of our
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The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Tuesday , January 3, 2006
Message #1616

WEALTHY: Can gold go any higher?

HEALTHY: Your first step to a healthier 2006

WISE: Michael Masterson on leadership

ALSO IN THIS ISSUE:

The one thing that motivates people to work harder than they have ever worked (Michael Masterson)

What do senior managers know that the rank and file do not?

Add the word "dogmatic" to your vocabulary

*
Advertisement *

Imagine A Life Where Wealth And Opportunity Are In Abundance

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Once you know "The Billionaire Way” everything becomes clearer; you’ll understand why and how people who use this system…

Achieve the same wealth in half the time…
Automatically see money-spinners other people can’t…
Have lucrative opportunities chase THEM…
Command the respect and admiration of all they come in contact with…
Succeed at business opportunities where others fail.

Money falls in the lap of the people who follow this system, which has proven itself time and time again.

http://www.isecureonline.com/Reports/700STBW/E700FC30/

Gold: How High Can It Soar?

Gold has just had a remarkable run to nearly $538 an ounce. It has reached highs that have not been seen in 25 years.

Prices are up. More importantly, the new Federal Reserve chairman, Bernard Bernanke, has made it clear that he will continue with a loose monetary policy. That means an inflated dollar, eventually causing investors to sell US dollars. When that happens, investors will look to gold as a safe harbor investment.

How high will gold rise? Look for gold to test $600 an ounce before the end of 2006.

My recommendation is to invest in gold. If you're already invested in gold, but with less than 10% of your portfolio, buy more. There are plenty of great ways to do it – with gold bullion coins, ETFs, mutual funds, and more. If you want more information, you many want to sign up for our Skeptical Advisor and you’ll also receive our special gold report.

http://www.isecureonline.com/Reports/TSA/ETSAFB06/

- Andrew Gordon

[Ed. Note: Andrew Gordon is the editor of The Skeptical Advisor, ETR's investment newsletter. Check it out at http://skepticaladvisor.com.]

"Great leaders focus on only one thing: creating and communicating a compelling, inspiring vision."

- Michael Masterson in Power and Persuasion

Become a More Powerful Leader

By Michael Masterson

If you can learn to lead, you can conquer the world. You can accumulate wealth, amass power, and accomplish your most important goals. Today's resolution is about becoming an effective leader – but not in the conventional sense (i.e. developing business management skills). I'd like to talk to you about developing personal power.

Think about the most successful people you know. Some of them may have achieved their status in life by the use of certain natural gifts. A singer, poet, or athlete might come to mind. But most successful people get to where they are by practicing a few very mundane skills – skills that anyone can learn and master, given a reasonable amount of time.

Picture this: You invite your boss to lunch, talk to him for 60 minutes about the weather, and then he interrupts the conversation to say, "I really think you deserve a raise. How much do you think I should give you?"

Imagine if you had the ability to subconsciously command anybody to do whatever you wanted. What if you could – without argument, aggression, or hard work – persuade your employees to work harder, your vendors to give you better prices, your customers to pay you more money, and your spouse and children to appreciate what you do for them?

Let's talk about acquiring that sort of power.

You don't want to get people to do what you want by bullying them. An effective leader is not someone who haggles and cajoles … or begs and pleads … or uses any sort of force. After all, it's no great talent to push people into doing something. The only thing that takes is an advantage. A bigger body. A quicker mind. A position of authority. The great thing about great leaders is that they know how to get people they CAN'T bully to follow their lead.

Napoleon, for example, was a powerful leader who was able to run military campaigns that many of his contemporaries thought impossible. Part of his power came from his iron will. But there was no way he could have achieved all he did – getting so many thousands of men to sacrifice so much for him – had he relied strictly on brute force. The Duke of Wellington, who knew Napoleon as well as anyone, said that his strength came from his personality. The mere presence of Napoleon on the battlefield, Wellington said, made his soldiers braver and stronger.

The New Year's resolution that you'll be making today is not about acquiring the military status of Napoleon. It's about developing certain subtle but powerful personal skills that will give you the ability to accomplish what you want in life … be it something as simple as retiring rich or as ambitious as building an empire.

In my new book, Power and Persuasion, I talk about BB, a friend and business partner who has applied the art of leadership to develop a very profitable international publishing company. Here's what I wrote:

"He's built a large and successful business largely by getting very smart and talented people to work very hard for him. He isn't, by conventional standards, an inspiring guy. He doesn't make heart-stirring speeches or send out motivational memos. In fact, he hardly raises his voice. But what he does do is talk a lot about the quality of good ideas – and he allows his best people plenty of freedom to develop them."

If you work in an environment where good thinking is valued and the freedom to develop ideas is fostered, you are very likely to feel good about what you do. And if you feel good about what you do, you will work hard and smart.

Here's another example …

ME, an important direct-mail publisher, is much more hands-on and dogmatic (see Word to the Wise, below) than BB. Yet he gives his people the same thing: the feeling that what they are doing is good and worthwhile. In his case, it is less about creativity and more about quality. ME's employees feel … and with some justification … that the products they produce are better than most of those they compete against. This kind of feeling can fuel a long and productive career.

BB and ME are two very different people who conduct their day-to-day business activities very differently. Yet they have both achieved success by using the same secret. They both understand the power of purpose.

What is the power of purpose?

I get into this fully in Power and Persuasion (so, if you are interested, please get a copy). But in the interests of brevity, let me put it this way. People work for money. And people work for praise. And people work for comfort and consideration. But if you want people to work harder than they have ever worked, to think harder than they have ever thought, to care more than they ever have, you can't ask them to do it for any of those reasons. There is only one motivation that will drive men to perform on a superhuman level … and that is the desire to accomplish a worthwhile purpose.

I have written several times about the power of purpose. It is, in my experience, the single most important leadership skill there is. If you can give someone the idea that his life will have more meaning if he follows your ideas, you then have all the power you will ever need over him.

People who have great personal leadership skills never have to browbeat, badger, or bully their way through life. Nor do they have to beg, borrow, or steal. If you can learn how to make other people believe that your ideas have value, everything you want to accomplish will be available to you.

We all want the material comforts of life. But what we want more – and more deeply – is to feel like the life we are leading has some meaning. How did the great leaders of the modern era – Churchill, Roosevelt, Gandhi, and Martin Luther King – get so many people, rich and poor, to devote their time (and in some cases sacrifice their lives) for their causes? It wasn't their good looks or their elocution on the stage. It was because they knew how to persuade other people to see their ideas as valuable and to believe that if they pursued those ideas their lives would have more meaning.

In Power and Persuasion, I explain how I believe it was done – and I go into detail on everything else I know about personal leadership. For example:

Great leaders discover how to make the work worthwhile and then distill it down to a phrase or philosophy that can easily be communicated to their employees.

Good leaders recognize the importance of practicing all the skills essential to leadership – one of the most important being persuasion.

Great leaders are perceived as powerful communicators because they listen more than they speak. When they do speak, they focus on the interests and concerns of the other person. They're also able to summarize and clearly present their case.

Strong leaders know how to create strong relationships. They remain personable, friendly, and genuinely interested in other people, regardless of the person's social or professional position.

Successful leaders present the facts passionately and stress one unifying idea

Successful leaders develop the skills to persuade others in one-on-one situations, in small groups, and in front of larger groups.

Today's Resolution

Today's resolution is that you will become a much more powerful person this year by learning the secrets and skills of personal leadership. You will do that (1) by spending some time mulling over what I said today about giving people a sense of purpose, and (2) by reading as much as you can about leadership, power, and persuasion (including, if you like, Power and Persuasion).

What would you do if you had the power of persuasion?

Secure a 25% raise this month?

Negotiate a far better deal on your next real estate sale or purchase? 

Develop a highly profitable partnership with a competitor who used to consider you "the enemy"?

If you'd like to unleash your inner power, click here.

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The Next Six Weeks Can Completely Change Your Life!

Yesterday, I asked you to write down your health and fitness goals for the year. I hope you did that. But today, I want you to forget about the year ahead and turn all of your attention to the next six weeks.

Take a few minutes to write down several very specific health goals that you will accomplish by February 15th. These goals may relate to your diet … to your weight … to how frequently you will exercise … maybe to your intention to quit smoking. But whatever they are, they should be both challenging and attainable. Decide precisely what you will accomplish. Write it down. And promise yourself that you will make it happen.

If you intend to enjoy a phenomenal year of health and fitness, don't just limp into it. Come out of the gate charging. You won't believe what you can accomplish in just a few weeks. And those immediate results will create momentum for the year to come.

- Jon Herring

It's Good to Know: Optimism Counts

A survey of 50,000 workers by Booz Allen Hamilton confirmed what other surveys have indicated in the past: Successful leaders tend to be optimistic about the future of their business. More than half of the senior managers polled viewed their businesses as "healthy," whereas only 33% of middle managers felt that way and less than 30% of the rank and file echoed that sentiment.

Senior managers are also optimistic about their own careers. In a recent USA Today article on optimism in the workplace, columnist Del Jones cites a survey of 293,000 employees that found "senior managers were more optimistic about almost everything at work, from teamwork to the speed at which the company makes decisions to their own performance."

* Advertisement *

How to Become Independently Wealthy – Even on a Limited Budget

If you would like to work from home, make a six-figure income in your spare time, banish your debts once and for all, and do it all with little or no investment capital … starting a high-profit business with your favorite pastime or hobby is your ticket to success – just like it was for homegrown business owners like Tony Roeder ($2 million/yr), Rob Johnston ($15 million/yr) or Bob Stiller ($116 million/yr).

Find out what they did right…and how you can do the same:

http://www.isecureonline.com/Reports/700SCBMO/E700FC85/

"Dogmatic" (dog-MAT-ik) – from the Greek word for "belief" – describes something characterized by arrogant assertion of unproved or unprovable principles.

Example (as I used it today): "ME, an important direct-mail publisher, is much more hands-on and dogmatic than BB."

Michael
Masterson
Copyright ETR, LLC, 2006ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2005 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Tuesday , January 3, 2006
Message #1616

WEALTHY: Can gold go any higher?

HEALTHY: Your first step to a healthier 2006

WISE: Michael Masterson on leadership

ALSO IN THIS ISSUE:

The one thing that motivates people to work harder than they have ever worked (Michael Masterson)

What do senior managers know that the rank and file do not?

Add the word "dogmatic" to your vocabulary

*
Advertisement *

Imagine A Life Where Wealth And Opportunity Are In Abundance

Follow this simple step-by-step, day-by-day plan and watch your life transform. See how virtually every business opportunity suddenly reveals a return on investment. Watch lucrative deals come your way. See how friends and family respect you more and how a new chapter in your life has begun.

Once you know "The Billionaire Way” everything becomes clearer; you’ll understand why and how people who use this system…

Achieve the same wealth in half the time…
Automatically see money-spinners other people can’t…
Have lucrative opportunities chase THEM…
Command the respect and admiration of all they come in contact with…
Succeed at business opportunities where others fail.

Money falls in the lap of the people who follow this system, which has proven itself time and time again.

http://www.isecureonline.com/Reports/700STBW/E700FC30/

Gold: How High Can It Soar?

Gold has just had a remarkable run to nearly $538 an ounce. It has reached highs that have not been seen in 25 years.

Prices are up. More importantly, the new Federal Reserve chairman, Bernard Bernanke, has made it clear that he will continue with a loose monetary policy. That means an inflated dollar, eventually causing investors to sell US dollars. When that happens, investors will look to gold as a safe harbor investment.

How high will gold rise? Look for gold to test $600 an ounce before the end of 2006.

My recommendation is to invest in gold. If you're already invested in gold, but with less than 10% of your portfolio, buy more. There are plenty of great ways to do it – with gold bullion coins, ETFs, mutual funds, and more. If you want more information, you many want to sign up for our Skeptical Advisor and you’ll also receive our special gold report.

http://www.isecureonline.com/Reports/TSA/ETSAFB06/

- Andrew Gordon

[Ed. Note: Andrew Gordon is the editor of The Skeptical Advisor, ETR's investment newsletter. Check it out at http://skepticaladvisor.com.]

"Great leaders focus on only one thing: creating and communicating a compelling, inspiring vision."

- Michael Masterson in Power and Persuasion

Become a More Powerful Leader

By Michael Masterson

If you can learn to lead, you can conquer the world. You can accumulate wealth, amass power, and accomplish your most important goals. Today's resolution is about becoming an effective leader – but not in the conventional sense (i.e. developing business management skills). I'd like to talk to you about developing personal power.

Think about the most successful people you know. Some of them may have achieved their status in life by the use of certain natural gifts. A singer, poet, or athlete might come to mind. But most successful people get to where they are by practicing a few very mundane skills – skills that anyone can learn and master, given a reasonable amount of time.

Picture this: You invite your boss to lunch, talk to him for 60 minutes about the weather, and then he interrupts the conversation to say, "I really think you deserve a raise. How much do you think I should give you?"

Imagine if you had the ability to subconsciously command anybody to do whatever you wanted. What if you could – without argument, aggression, or hard work – persuade your employees to work harder, your vendors to give you better prices, your customers to pay you more money, and your spouse and children to appreciate what you do for them?

Let's talk about acquiring that sort of power.

You don't want to get people to do what you want by bullying them. An effective leader is not someone who haggles and cajoles … or begs and pleads … or uses any sort of force. After all, it's no great talent to push people into doing something. The only thing that takes is an advantage. A bigger body. A quicker mind. A position of authority. The great thing about great leaders is that they know how to get people they CAN'T bully to follow their lead.

Napoleon, for example, was a powerful leader who was able to run military campaigns that many of his contemporaries thought impossible. Part of his power came from his iron will. But there was no way he could have achieved all he did – getting so many thousands of men to sacrifice so much for him – had he relied strictly on brute force. The Duke of Wellington, who knew Napoleon as well as anyone, said that his strength came from his personality. The mere presence of Napoleon on the battlefield, Wellington said, made his soldiers braver and stronger.

The New Year's resolution that you'll be making today is not about acquiring the military status of Napoleon. It's about developing certain subtle but powerful personal skills that will give you the ability to accomplish what you want in life … be it something as simple as retiring rich or as ambitious as building an empire.

In my new book, Power and Persuasion, I talk about BB, a friend and business partner who has applied the art of leadership to develop a very profitable international publishing company. Here's what I wrote:

"He's built a large and successful business largely by getting very smart and talented people to work very hard for him. He isn't, by conventional standards, an inspiring guy. He doesn't make heart-stirring speeches or send out motivational memos. In fact, he hardly raises his voice. But what he does do is talk a lot about the quality of good ideas – and he allows his best people plenty of freedom to develop them."

If you work in an environment where good thinking is valued and the freedom to develop ideas is fostered, you are very likely to feel good about what you do. And if you feel good about what you do, you will work hard and smart.

Here's another example …

ME, an important direct-mail publisher, is much more hands-on and dogmatic (see Word to the Wise, below) than BB. Yet he gives his people the same thing: the feeling that what they are doing is good and worthwhile. In his case, it is less about creativity and more about quality. ME's employees feel … and with some justification … that the products they produce are better than most of those they compete against. This kind of feeling can fuel a long and productive career.

BB and ME are two very different people who conduct their day-to-day business activities very differently. Yet they have both achieved success by using the same secret. They both understand the power of purpose.

What is the power of purpose?

I get into this fully in Power and Persuasion (so, if you are interested, please get a copy). But in the interests of brevity, let me put it this way. People work for money. And people work for praise. And people work for comfort and consideration. But if you want people to work harder than they have ever worked, to think harder than they have ever thought, to care more than they ever have, you can't ask them to do it for any of those reasons. There is only one motivation that will drive men to perform on a superhuman level … and that is the desire to accomplish a worthwhile purpose.

I have written several times about the power of purpose. It is, in my experience, the single most important leadership skill there is. If you can give someone the idea that his life will have more meaning if he follows your ideas, you then have all the power you will ever need over him.

People who have great personal leadership skills never have to browbeat, badger, or bully their way through life. Nor do they have to beg, borrow, or steal. If you can learn how to make other people believe that your ideas have value, everything you want to accomplish will be available to you.

We all want the material comforts of life. But what we want more – and more deeply – is to feel like the life we are leading has some meaning. How did the great leaders of the modern era – Churchill, Roosevelt, Gandhi, and Martin Luther King – get so many people, rich and poor, to devote their time (and in some cases sacrifice their lives) for their causes? It wasn't their good looks or their elocution on the stage. It was because they knew how to persuade other people to see their ideas as valuable and to believe that if they pursued those ideas their lives would have more meaning.

In Power and Persuasion, I explain how I believe it was done – and I go into detail on everything else I know about personal leadership. For example:

Great leaders discover how to make the work worthwhile and then distill it down to a phrase or philosophy that can easily be communicated to their employees.

Good leaders recognize the importance of practicing all the skills essential to leadership – one of the most important being persuasion.

Great leaders are perceived as powerful communicators because they listen more than they speak. When they do speak, they focus on the interests and concerns of the other person. They're also able to summarize and clearly present their case.

Strong leaders know how to create strong relationships. They remain personable, friendly, and genuinely interested in other people, regardless of the person's social or professional position.

Successful leaders present the facts passionately and stress one unifying idea

Successful leaders develop the skills to persuade others in one-on-one situations, in small groups, and in front of larger groups.

Today's Resolution

Today's resolution is that you will become a much more powerful person this year by learning the secrets and skills of personal leadership. You will do that (1) by spending some time mulling over what I said today about giving people a sense of purpose, and (2) by reading as much as you can about leadership, power, and persuasion (including, if you like, Power and Persuasion).

What would you do if you had the power of persuasion?

Secure a 25% raise this month?

Negotiate a far better deal on your next real estate sale or purchase? 

Develop a highly profitable partnership with a competitor who used to consider you "the enemy"?

If you'd like to unleash your inner power, click here.

* Advertisement *

Your Opportunity to Become a Millionaire… In 3 Minutes a Week!

Imagine a risk-averse investment that could help your money grow by 5% PER MONTH. Imagine if this strategy were effortless…requiring only 10 to 15 minutes of your time each month. This strategy does exist… and here is how you can take a RISK-FREE test drive.

http://www.isecureonline.com/Reports/3MT/E3MTFC01/

The Next Six Weeks Can Completely Change Your Life!

Yesterday, I asked you to write down your health and fitness goals for the year. I hope you did that. But today, I want you to forget about the year ahead and turn all of your attention to the next six weeks.

Take a few minutes to write down several very specific health goals that you will accomplish by February 15th. These goals may relate to your diet … to your weight … to how frequently you will exercise … maybe to your intention to quit smoking. But whatever they are, they should be both challenging and attainable. Decide precisely what you will accomplish. Write it down. And promise yourself that you will make it happen.

If you intend to enjoy a phenomenal year of health and fitness, don't just limp into it. Come out of the gate charging. You won't believe what you can accomplish in just a few weeks. And those immediate results will create momentum for the year to come.

- Jon Herring

It's Good to Know: Optimism Counts

A survey of 50,000 workers by Booz Allen Hamilton confirmed what other surveys have indicated in the past: Successful leaders tend to be optimistic about the future of their business. More than half of the senior managers polled viewed their businesses as "healthy," whereas only 33% of middle managers felt that way and less than 30% of the rank and file echoed that sentiment.

Senior managers are also optimistic about their own careers. In a recent USA Today article on optimism in the workplace, columnist Del Jones cites a survey of 293,000 employees that found "senior managers were more optimistic about almost everything at work, from teamwork to the speed at which the company makes decisions to their own performance."

* Advertisement *

How to Become Independently Wealthy – Even on a Limited Budget

If you would like to work from home, make a six-figure income in your spare time, banish your debts once and for all, and do it all with little or no investment capital … starting a high-profit business with your favorite pastime or hobby is your ticket to success – just like it was for homegrown business owners like Tony Roeder ($2 million/yr), Rob Johnston ($15 million/yr) or Bob Stiller ($116 million/yr).

Find out what they did right…and how you can do the same:

http://www.isecureonline.com/Reports/700SCBMO/E700FC85/

"Dogmatic" (dog-MAT-ik) – from the Greek word for "belief" – describes something characterized by arrogant assertion of unproved or unprovable principles.

Example (as I used it today): "ME, an important direct-mail publisher, is much more hands-on and dogmatic than BB."

Michael
Masterson
Copyright ETR, LLC, 2006ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2005 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com

The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117

www.earlytorise.com
Tuesday , January 3, 2006
Message #1616

WEALTHY: Can gold go any higher?

HEALTHY: Your first step to a healthier 2006

WISE: Michael Masterson on leadership

ALSO IN THIS ISSUE:

The one thing that motivates people to work harder than they have ever worked (Michael Masterson)

What do senior managers know that the rank and file do not?

Add the word "dogmatic" to your vocabulary

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Once you know "The Billionaire Way” everything becomes clearer; you’ll understand why and how people who use this system…

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Gold: How High Can It Soar?

Gold has just had a remarkable run to nearly $538 an ounce. It has reached highs that have not been seen in 25 years.

Prices are up. More importantly, the new Federal Reserve chairman, Bernard Bernanke, has made it clear that he will continue with a loose monetary policy. That means an inflated dollar, eventually causing investors to sell US dollars. When that happens, investors will look to gold as a safe harbor investment.

How high will gold rise? Look for gold to test $600 an ounce before the end of 2006.

My recommendation is to invest in gold. If you're already invested in gold, but with less than 10% of your portfolio, buy more. There are plenty of great ways to do it – with gold bullion coins, ETFs, mutual funds, and more. If you want more information, you many want to sign up for our Skeptical Advisor and you’ll also receive our special gold report.

http://www.isecureonline.com/Reports/TSA/ETSAFB06/

- Andrew Gordon

[Ed. Note: Andrew Gordon is the editor of The Skeptical Advisor, ETR's investment newsletter. Check it out at http://skepticaladvisor.com.]

"Great leaders focus on only one thing: creating and communicating a compelling, inspiring vision."

- Michael Masterson in Power and Persuasion

Become a More Powerful Leader

By Michael Masterson

If you can learn to lead, you can conquer the world. You can accumulate wealth, amass power, and accomplish your most important goals. Today's resolution is about becoming an effective leader – but not in the conventional sense (i.e. developing business management skills). I'd like to talk to you about developing personal power.

Think about the most successful people you know. Some of them may have achieved their status in life by the use of certain natural gifts. A singer, poet, or athlete might come to mind. But most successful people get to where they are by practicing a few very mundane skills – skills that anyone can learn and master, given a reasonable amount of time.

Picture this: You invite your boss to lunch, talk to him for 60 minutes about the weather, and then he interrupts the conversation to say, "I really think you deserve a raise. How much do you think I should give you?"

Imagine if you had the ability to subconsciously command anybody to do whatever you wanted. What if you could – without argument, aggression, or hard work – persuade your employees to work harder, your vendors to give you better prices, your customers to pay you more money, and your spouse and children to appreciate what you do for them?

Let's talk about acquiring that sort of power.

You don't want to get people to do what you want by bullying them. An effective leader is not someone who haggles and cajoles … or begs and pleads … or uses any sort of force. After all, it's no great talent to push people into doing something. The only thing that takes is an advantage. A bigger body. A quicker mind. A position of authority. The great thing about great leaders is that they know how to get people they CAN'T bully to follow their lead.

Napoleon, for example, was a powerful leader who was able to run military campaigns that many of his contemporaries thought impossible. Part of his power came from his iron will. But there was no way he could have achieved all he did – getting so many thousands of men to sacrifice so much for him – had he relied strictly on brute force. The Duke of Wellington, who knew Napoleon as well as anyone, said that his strength came from his personality. The mere presence of Napoleon on the battlefield, Wellington said, made his soldiers braver and stronger.

The New Year's resolution that you'll be making today is not about acquiring the military status of Napoleon. It's about developing certain subtle but powerful personal skills that will give you the ability to accomplish what you want in life … be it something as simple as retiring rich or as ambitious as building an empire.

In my new book, Power and Persuasion, I talk about BB, a friend and business partner who has applied the art of leadership to develop a very profitable international publishing company. Here's what I wrote:

"He's built a large and successful business largely by getting very smart and talented people to work very hard for him. He isn't, by conventional standards, an inspiring guy. He doesn't make heart-stirring speeches or send out motivational memos. In fact, he hardly raises his voice. But what he does do is talk a lot about the quality of good ideas – and he allows his best people plenty of freedom to develop them."

If you work in an environment where good thinking is valued and the freedom to develop ideas is fostered, you are very likely to feel good about what you do. And if you feel good about what you do, you will work hard and smart.

Here's another example …

ME, an important direct-mail publisher, is much more hands-on and dogmatic (see Word to the Wise, below) than BB. Yet he gives his people the same thing: the feeling that what they are doing is good and worthwhile. In his case, it is less about creativity and more about quality. ME's employees feel … and with some justification … that the products they produce are better than most of those they compete against. This kind of feeling can fuel a long and productive career.

BB and ME are two very different people who conduct their day-to-day business activities very differently. Yet they have both achieved success by using the same secret. They both understand the power of purpose.

What is the power of purpose?

I get into this fully in Power and Persuasion (so, if you are interested, please get a copy). But in the interests of brevity, let me put it this way. People work for money. And people work for praise. And people work for comfort and consideration. But if you want people to work harder than they have ever worked, to think harder than they have ever thought, to care more than they ever have, you can't ask them to do it for any of those reasons. There is only one motivation that will drive men to perform on a superhuman level … and that is the desire to accomplish a worthwhile purpose.

I have written several times about the power of purpose. It is, in my experience, the single most important leadership skill there is. If you can give someone the idea that his life will have more meaning if he follows your ideas, you then have all the power you will ever need over him.

People who have great personal leadership skills never have to browbeat, badger, or bully their way through life. Nor do they have to beg, borrow, or steal. If you can learn how to make other people believe that your ideas have value, everything you want to accomplish will be available to you.

We all want the material comforts of life. But what we want more – and more deeply – is to feel like the life we are leading has some meaning. How did the great leaders of the modern era – Churchill, Roosevelt, Gandhi, and Martin Luther King – get so many people, rich and poor, to devote their time (and in some cases sacrifice their lives) for their causes? It wasn't their good looks or their elocution on the stage. It was because they knew how to persuade other people to see their ideas as valuable and to believe that if they pursued those ideas their lives would have more meaning.

In Power and Persuasion, I explain how I believe it was done – and I go into detail on everything else I know about personal leadership. For example:

Great leaders discover how to make the work worthwhile and then distill it down to a phrase or philosophy that can easily be communicated to their employees.

Good leaders recognize the importance of practicing all the skills essential to leadership – one of the most important being persuasion.

Great leaders are perceived as powerful communicators because they listen more than they speak. When they do speak, they focus on the interests and concerns of the other person. They're also able to summarize and clearly present their case.

Strong leaders know how to create strong relationships. They remain personable, friendly, and genuinely interested in other people, regardless of the person's social or professional position.

Successful leaders present the facts passionately and stress one unifying idea

Successful leaders develop the skills to persuade others in one-on-one situations, in small groups, and in front of larger groups.

Today's Resolution

Today's resolution is that you will become a much more powerful person this year by learning the secrets and skills of personal leadership. You will do that (1) by spending some time mulling over what I said today about giving people a sense of purpose, and (2) by reading as much as you can about leadership, power, and persuasion (including, if you like, Power and Persuasion).

What would you do if you had the power of persuasion?

Secure a 25% raise this month?

Negotiate a far better deal on your next real estate sale or purchase? 

Develop a highly profitable partnership with a competitor who used to consider you "the enemy"?

If you'd like to unleash your inner power, click here.

* Advertisement *

Your Opportunity to Become a Millionaire… In 3 Minutes a Week!

Imagine a risk-averse investment that could help your money grow by 5% PER MONTH. Imagine if this strategy were effortless…requiring only 10 to 15 minutes of your time each month. This strategy does exist… and here is how you can take a RISK-FREE test drive.

http://www.isecureonline.com/Reports/3MT/E3MTFC01/

The Next Six Weeks Can Completely Change Your Life!

Yesterday, I asked you to write down your health and fitness goals for the year. I hope you did that. But today, I want you to forget about the year ahead and turn all of your attention to the next six weeks.

Take a few minutes to write down several very specific health goals that you will accomplish by February 15th. These goals may relate to your diet … to your weight … to how frequently you will exercise … maybe to your intention to quit smoking. But whatever they are, they should be both challenging and attainable. Decide precisely what you will accomplish. Write it down. And promise yourself that you will make it happen.

If you intend to enjoy a phenomenal year of health and fitness, don't just limp into it. Come out of the gate charging. You won't believe what you can accomplish in just a few weeks. And those immediate results will create momentum for the year to come.

- Jon Herring

It's Good to Know: Optimism Counts

A survey of 50,000 workers by Booz Allen Hamilton confirmed what other surveys have indicated in the past: Successful leaders tend to be optimistic about the future of their business. More than half of the senior managers polled viewed their businesses as "healthy," whereas only 33% of middle managers felt that way and less than 30% of the rank and file echoed that sentiment.

Senior managers are also optimistic about their own careers. In a recent USA Today article on optimism in the workplace, columnist Del Jones cites a survey of 293,000 employees that found "senior managers were more optimistic about almost everything at work, from teamwork to the speed at which the company makes decisions to their own performance."

* Advertisement *

How to Become Independently Wealthy – Even on a Limited Budget

If you would like to work from home, make a six-figure income in your spare time, banish your debts once and for all, and do it all with little or no investment capital … starting a high-profit business with your favorite pastime or hobby is your ticket to success – just like it was for homegrown business owners like Tony Roeder ($2 million/yr), Rob Johnston ($15 million/yr) or Bob Stiller ($116 million/yr).

Find out what they did right…and how you can do the same:

http://www.isecureonline.com/Reports/700SCBMO/E700FC85/

"Dogmatic" (dog-MAT-ik) – from the Greek word for "belief" – describes something characterized by arrogant assertion of unproved or unprovable principles.

Example (as I used it today): "ME, an important direct-mail publisher, is much more hands-on and dogmatic than BB."

Michael
Masterson
Copyright ETR, LLC, 2006ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2005 BY ETR,
LLC.

ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT
IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY
TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section
101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are you having trouble receiving Early to Rise messages?
Ensure that Early to Rise gets delivered to your email
box, click below:

http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please
point them to:

http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com or email support@earlytorise.com

NOTE: If URLs do not appear as live links in your e-mail
program, please cut and paste the full URL into the location
or address field of your browser. Disclaimer:

The inclusion of an ad in ETR does not constitute an explicit
endorsement. It does mean that as far as I know the product
is not a rip-off. When I really like a product and want
you to buy it I'll tell you explicitly. Otherwise, view
these ads the way you would commercials on TV or display
ads in the back of your favorite magazine. Check them
out. Make a decision. If you don't like, ask for a refund.
(All products sold here will carry refunds.)

Nothing
in this e-mail should be considered personalized investment
advice. Although our employees may answer your general
customer service questions, they are not licensed under
securities laws to address your particular investment
situation. No communication by our employees to you should
be deemed as personalized investment advice.We
expressly forbid our writers from having a financial interest
in any security recommended to our readers.

All of our
employees and agents must wait 24 hours after on-line
publication or 72 hours after the mailing of printed-only
publication prior to following an initial recommendation.Any
investments recommended in this letter should be made
only after consulting with your investment advisor and
only after reviewing the prospectus or financial statements
of the company.

All material on this site is provided for information only
and may not be construed as
medical advice or instruction. No action should be taken
based solely on the contents of
this information; instead, readers should consult
appropriate health professionals on any
matter relating to their health and well-being.

www.EarlyToRise.com