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Thursday, April 27, 2006
Message #171

href="http://www.amazon.com/exec/obidos/ASIN/0471786764/ref=nosim/earlytorise-20">

WEALTHY: Business
vs. human tenants ( href="http://www.isecureonline.com/Reports/700SAHR/E700G4G4/"> Dave
Lindahl)
HEALTHY:
Toss your "fat trappers"
WISE:
Joe Cocker on being a landlord

ALSO
IN THIS ISSUE:

6
sales situations; 6 must-ask questions ( href="http://www.amazon.com/exec/obidos/ASIN/0471786764/ref=nosim/earlytorise-20"> Michael
Masterson )

ETR's
marketing manager in action!

Add
the word "hebetude"
to your vocabulary

* Highly
Recommended *

He'd
Have Called Them Crazy
— Or Worse!

With
the Internet, it's now possible to spend no
more than a few dollars, write a couple of very basic ads,
and have instant access to millions of potential customers
all in a matter of minutes.

If anyone had
told Jim Sheridan he could bank thousands in just 24 hours.
. . without any product of his own. . . without spending
a penny on getting it or promoting it, he'd have justifiably
said they were  nuts.

But Jim made
a decision that he would overcome his skeptical nature and
give it a go. Boy, is he glad he did! That one deal alone
banked him $187,296 in one day.

The great news
is – you can copy Jim's plan exactly. The program is called
Instant Internet Income and I guarantee it does exactly what
it says it does.

href="http://www.isecureonline.com/Reports/700STIII/E700G4D8/"> Take
a look at how Jim brought in over $175,000 in a single
day!

- Charlie Byrne

"I
think the only thing I would've ever been any good at
was probably being a pub landlord. I've thought of that
a couple of times."

- Joe Cocker

Who
– or What – Makes the Best Tenant?

By
Dave Lindahl

When you think
of commercial property, you probably think of tall skyscrapers,
office buildings, and warehouses. But what about large apartment
complexes?

If you ask any
banker, he'll tell you that a building with more than four
units is considered a commercial property. If you ask any
municipality regarding trash pick up, you'll get the same
answer. Ditto with insurance companies.

Apartment buildings
with more than four units ARE commercial properties. The
only difference is that human residents occupy apartments,
while businesses occupy the other spaces that most people
think of when they think "commercial."

But that's a
big difference!

So what should
you do? If you're going to buy a multi-unit commercial property,
should you be looking for business tenants? Or should you
stick with human tenants?

Before making
your decision, consider this: Three out of four businesses
go out of business after the first year. And 90 percent are
out of business by year five. So if you're renting to businesses,
chances are your turnover rate is going to be higher than
it would be with a residential property. This is problematic,
because tenant turnover is the biggest expense you'll face
with any multi-unit property.

People always
need a roof over their heads. If they move out of your place,
they are moving into someone else's. But businesses can just
disappear … leaving you with a vacant unit and unpaid bills.
(It's hard to get money out of a bankrupt company.)

A lot of commercial
property owners make the mistake of relying on three or four
big tenants. If they lose one, they've lost 25 percent of
their income. Think of what that would mean if we're talking
about a property that cost you $1,000,000.

Richard Anderson,
on the other hand, bought a 110-unit complex in Atlanta,
Georgia. Each month, he receives a positive cash flow of
$6,422. If he loses 10 tenants, his cash flow will drop to
$4,000 per month. If he loses another 10, his cash flow falls
to $1,800 per month. But even after losing 20 tenants, he
can still pay all of his expenses and has money left over
to re-invest.

Statistics show
that it takes an average of six months to fill a commercial
space. The main reason is that the pool of potential renters
is not very big. In contrast, with a residential property,
there is a vast pool of potential renters … and the turnaround
is one or two months instead of six.

For that same
million dollars, you could get a 20- to 60-unit property
(depending on where you invest). And if you have 20 units
and lose one tenant, you've only lost 1/20th of your rent.
You'll still have plenty of cash flow and, more importantly,
plenty of spendable income.

There is one
other thing to consider: When you're attracting a commercial
tenant for your property, you usually agree to do a "build-out." In
other words, you agree to change the space to make it conform
to the specific needs of that particular business. This could
cost you thousands of dollars.

With an apartment
unit, the "make ready" usually consists of new
paint and carpet. If more is needed, it's usually paid for
out of the previous tenant's security deposit.

Marion Pita,
for instance, owns a 16-unit building in Birmingham, Alabama.
She recently had two tenants move out and instructed her maintenance
men to get the units ready for new tenants. They painted the
walls…cleaned the rugs and appliances…and they were done.
Total cost: $340. That costs a lot less than building walls
and putting in doorways. Plus, it takes much less time, so
you can start getting your cash flow faster.

Yes, apartments
that are over four units are considered commercial properties.
But, as you can see, they are in a class by themselves when
you compare risk versus reward.

(Ed. Note: David
Lindahl, also known as the "Apartment King," has
been successfully investing in single-family homes and apartments
for the last nine years.

Read how you
can put Dave's proven Real Estate Marketing System to work
for you so you'll have sellers calling you to buy their properties.
These techniques are so powerful, they'll work even if you're
shy, new, and broke: href="http://www.isecureonline.com/Reports/700SDLT/E700G4G2/"> Dave
Lindahl's Real Estate Investor's Marketing Tool Kit )

Make
More Sales by Asking the Right Questions

By
Michael Masterson

Ask the right
questions. That's one of the techniques I mention in href="%%track {http://www.amazon.com/gp/product/0471786772/ref=ase_earlytorise-20/103-5695778-4583815?s=books&v=glance&n=283155&tagActionCode=earlytorise-20}%%"> Power
and Persuasion to get people to see
things your way. In href="%%track {http://www.amazon.com/exec/obidos/ASIN/0786865954/earlytorise-20}%%"> How
to Become a Rainmaker, Jeffrey J. Fox
applies the technique to several typical sales situations.
See how many of the following questions you can adapt to
your own sales efforts.

Situation
#1: Despite making a good sales presentation,
the customer remains disengaged.

So you
ask: "Based on analysis, it looks like you
can save $180,000 a year with this solution. Can I assume
there are probably a number of things that have to be done
before you are completely comfortable with this approach?"

Situation
#2: The customer agrees that there are still a
number of issues that need to be cleared up before he can
make a commitment to buy.

So you
ask: "Before we get into this in any depth,
can I get your agreement on the analysis? Will you look
at the facts and decide for yourself if they make sense?"

Situation
#3: The customer says he is looking at one of
your competitors.

So you
ask: "Yes, that is a good company. Would
you like to know our points of difference?"

Situation
#4: The customer asks for a product demonstration.

So you
ask: "We would be happy to give you a demonstration.
If the demo is successful, is there anything else prohibiting
you from going ahead?"

Situation
#5: You have come to the end of the sales presentation.

So you
ask: "What question should I be asking that
I'm not asking?"

Situation
#6: The sales presentation is over. It is time
to ask for the sale with one last question.

So you
ask: "Why don't you give it a try?"

* Highly
Recommended *

"He Who Cares Least,
Wins."

When you can
confidently walk away from any real estate deal, you gain
a powerful advantage with sellers, who soon realize that
they need you more than you need them.

That's why real
estate millionaire Dave Lindahl's favorite saying is "He
Who Cares Least, Wins." His strategy for marketing real
estate generates so many opportunities that you can walk
away from marginal deals (or flip them to other investors
who don't know how to market). You can learn more about his
proven strategy href="http://www.isecureonline.com/Reports/700SDLT/E700G4F9/"> Here.

- Will
Bonner

Supplement
Scam: Fat Blockers Don't Work

By
Jon Herring

If you're looking
to lose fat and you're considering a dietary supplement to
help, chitosan is one you can scratch off the list. Chitosan
is a fiber supplement made from the shells of crustaceans.
It is marketed as being able to bind to fat molecules in
your digestive system in order to prevent the fat from being
absorbed by the body.

Manufacturers
have made some pretty bold claims about the effectiveness
of these supplements. That would include the infamous "fat
trapper"
infomercials featuring former baseball star Steve Garvey, which
claim you can "eat what you want and never, ever, ever
have to diet again." But when put to the scientific test,
chitosan has come up short time and time again. When researchers
summarized all of the chitosan fat-loss studies, they found
that chitosan has minimal, if any, effect on weight loss.

If you want
to shed fat, build muscle, lose weight, and improve your
overall health, here's how to do it:

1. Eliminate
bad fats from your diet, including all vegetable and seed
oils and hydrogenated oils. Instead, consume plenty of good
fats, including avocados, olive oil, coconut oil, fish oil,
nuts, and lean, naturally raised meats.

2. Avoid processed
carbohydrates, grains, and sugars. Instead, consume a wide
variety of whole vegetables.

3. Engage in
resistance exercise to build strength and muscle, and interval
training to quickly shed fat.

ETR
Insider Report: Open Up the Spigots!

By
Eva Janzen, ETR Marketing Manager

Graduation
is near, and href="http://www.amazon.com/exec/obidos/ASIN/0471786764/ref=nosim/earlytorise-20"> Automatic
Wealth for Grads …and Anyone Else Just Starting
Out is now stocked, displayed, and
ready to go in bookstores across America .

Day 1 of our
launch begins here at ETR. As marketing manager for this
campaign, I turn on my computer first thing in the morning
and I need to make my decision. Do I go straight to href="http://www.amazon.com/gp/homepage.html/103-5955496-5371056"> Amazon.com and
see what ranking we have achieved so far … or do I go
about my normal routine?

My excitement
about this launch gets the best of me.

I go straight
to Amazon and see that we are at #12. I start thinking
of what can we do to generate buzz about href="http://www.amazon.com/exec/obidos/ASIN/0471786764/ref=nosim/earlytorise-20"> Automatic
Wealth for Grads… and hit #1. I
start thinking, "This book needs to top href="http://www.amazon.com/exec/obidos/ASIN/1400079179/earlytorise-20/103-6958244-7079869"> The
Da Vinci Code . Anybody who is anybody
… anybody who has a brain … anybody who wants to better
himself or herself … needs to read this book. And to
give this book to everyone they know."

So while I
am thinking, I open my e-mail … and I have a message
from Michael Masterson himself. "Open up the spigots,
Eva. Get us to #1!"

I will be
damned if I fail Michael Masterson. And I will be damned
if I fail this book. I know – personally – how important
this book is. It's for recent grads, sure … but it's
also for "Anyone Else Just Starting Out." And
here I am, a 31-year-old, successful woman, who has learned
more from this book than I ever thought possible.

href="http://www.amazon.com/exec/obidos/ASIN/0471786764/ref=nosim/earlytorise-20">  Automatic
Wealth for Grads … and Anyone Else Just
Starting Out explains how
to save for retirement – even if you're not making
a huge salary. It lays out exactly what you need
to do to increase your income. It even describes
how you can bypass all the other job seekers out
there to get a new job. And it gives techniques
for enjoying every minute of your success along
the way.

So my frenzy
escalates. I call Patrick Coffey and we brainstorm more
ways to promote href="http://www.amazon.com/exec/obidos/ASIN/0471786764/ref=nosim/earlytorise-20"> Automatic
Wealth for Grads… and the calls
begin. We call Clayton Makepeace's team, and they are on
board. We call Bob Bly's team, and they are eager to help.
We call Brian Tracy's team, and Brian himself wants to
read the book. All of them want to help promote this book
to their subscribers, because they know just how much it
offers.

We need to
let ETR readers know that this book is a must-read for
their graduating children, grandchildren, nieces and nephews.
We need to let our readers know that even if they're already
successful, they can still learn new ways to build their
businesses or strike out with their own ventures. We need
to express just how important this book is for ANYONE who's
just starting out – whether they've changed jobs, switched
careers, or just finished school.

And all of
this before 9 a.m.

Today's
Action Plan

href="http://www.amazon.com/gp/product/0471786764/ref=nosim/103-6958244-7079869?n=283155"> Automatic
Wealth for Grads … and Anyone Else Just Starting
Out has already reached #1 on href="http://www.barnesandnoble.com/">BarnesAnd Noble.com And
we're climbing the ranks on href="http://www.amazon.com/gp/homepage.html/103-5955496-5371056"> Amazon.com,
too. At one point, readers tell us, we hit #4. You
can get a head start on your own path to wealth and
success – and help us reach #1 on Amazon this week
– by ordering your copy of href="http://www.amazon.com/exec/obidos/ASIN/0471786764/ref=nosim/earlytorise-20"> Automatic
Wealth for Grads today!

*
Advertisement *

 Einstein would
be running a hedge fund!

One hundred
years ago, Max Planck and Albert Einstein pioneered radical
new ideas about how energy distributes in the natural world,
which led to the development of quantum theory.

David Nichols
of the Fractal Market Report has made the breakthrough discovery
that energy in financial markets is also quantum, just like
any other natural system.

With this incredible
breakthrough, David is shifting the bar on what is possible
in market forecasting.  Find out href="http://www.fractalmarketreport.com/email-newsletter.html"> more …..

Word
to the Wise: Hebetude

"Hebetude"
(HEB-uh-tood) is mental lethargy. It is derived from the Latin
"hebes" ("blunt, dull, sluggish, stupid").

Example (as
used by Joseph Conrad in href="http://www.amazon.com/exec/obidos/ASIN/ 0486424529/earlytorise-20"> Nostromo: "From
that solitude, full of despair and terror, he was torn out
brutally, with kicks and blows, passive, sunk in hebetude."

Michael Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson? Want to know the secrets to his success?
Have a perplexing business problem? ETR welcomes
your thoughts. Post them online at  href="http://speakoutforum.com/forum/"
title="http://speakoutforum.com/forum/">http://speakoutforum.com/forum/

or
send questions directly to href="mailto:Support@EarlyToRise.Com"
title="mailto:Support@EarlyToRise.Com">Support@EarlyToRise.Com

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The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-344-7200

www.earlytorise.com
Wednesday, April 26, 2006
Message #1713

WEALTHY: 2 key stock-picking numbers

HEALTHY: Taking advantage of "nutrient timing"
WISE: Martin Luther King Jr. on philanthropy

ALSO IN THIS ISSUE:

How Bill Gates could make the world richer (Robert Ringer)

2 quick reads to consider (Michael Masterson)

Add the made-up word "gemmelsmerch" to your vocabulary

* Highly Recommended *

The Only Three Ways to Grow a Business Did you know that there are only three ways to grow a business?

1. Increase the number of customers.
2. Increase the average transaction value.
3. Increase the frequency of repurchase.

Find a way to maximize each one, and your business will experience an astonishing rate of growth. In his "9 Pillars of Business Growth" program, acclaimed consultant Jay Abraham outlines hundreds of proven, frequently unrecognized, and almost totally underutilized ways to grow these three key areas of your business. If you own a business (or would like to), be sure to take a look at Jay's program.

- Charlie Byrne

Margins Are Not Marginal, Part 1 By Andrew Gordon How do you know if a company you're invested in is being smart about utilizing its resources? Do what I do and make the company's margins one of your top criteria. Profit margins help to tell you how profitable a company is. Specifically, they tell you how much of a company's sales revenue is being turned into profits. A company with solid margins is more likely to endure economic downturns and hold its competitors at bay. Furthermore, when the economy or sector is about to rally or otherwise enter a period of expansion, companies with the best margins will be poised to make the biggest gains. Here are two key profit margins you should always take a close look at:

Net Profit Margin is simply a company's net profits after taxes divided by sales. If there is any one number that tells you how much of a company's sales are being transformed into corporate profits, this is it. The higher the number, the better.

Gross Profit Margin is a company's sales minus the cost of goods it has sold divided by sales. This is a good indicator of how well management is allocating labor and materials in turning out the company's product. Again, the higher the number, the better.

You can find profit margins on any stock site, such as Reuters.com. Click on Reuters' "Industries" link, choose an industry, and then click on "Company Rankings." On the "Margins" link, you'll see a list of companies in that industry ranked by either Net Profit Margin or Operating Margin (a close cousin to Gross Profit Margin). In my next article, I'll tell you how you can use margins to make great stock picks.

(Ed. Note: Andrew Gordon, ETR's financial expert, is the editor of our new investment service, The Wealth Advantage. Join now and you'll get a free special report on three companies that have the very real potential of giving you up to 1,000 percent on your investment.)

 - Martin Luther King Jr.

A Charitable Foundation for Entrepreneurs? By Robert Ringer Time magazine recently named Bill Gates one of its three "Persons of the Year" (along with his wife, Melinda, and rock star Bono). Queen Melinda was certainly deserving of her share of the honor, as she long ago demonstrated her enormous ability to marry well. And Bono appears not only to have good intentions but also possesses a surprising amount of knowledge about world affairs. But the heavyweight in the crowd is, of course, Bill Gates himself. Though Gates' reputation for ruthlessness has made him the Darth Vader of our age , he has now moved on to take his obligatory place in history as a great philanthropist. In doing so, he follows in the footsteps of such legendary softies as Andrew Carnegie, John D. Rockefeller, and Joseph Kennedy. All this may bring your more cynical side to the surface, but it's simply the way the world works. Philanthropy is the next logical step for anyone who makes enough money to buy his own planet. To be sure, a $29 billion foundation dedicated to fighting, among other things, third-world disease and poverty is a noble cause – even if some might suspect that vanity is the driving force behind its creation. As all rational adults recognize, the end often justifies the means. History, however, has made me a cynic for reasons having nothing to do with vanity. You can feed people, vaccinate them, and help them in myriad ways – but only until your money runs out. However, from a long-term point of view, it's all in vain if you don't address the underlying causes of disease and poverty. And the biggest cause by far is – and always has been – brutal, corrupt, dictatorial governments that suppress and terrorize their own citizens. In this respect, the United Nations is the ultimate enabler. The UN not only does little or nothing to help those in distress, it actually makes matters worse by endorsing the very dictators who rule over them. That the United States continues to be a member of this shameful, corrupt, and farcical organization is bad enough. But to allow Kofi & Friends to hatch their crooked schemes on U.S. soil is beyond the realm of moral comprehension. So long as third-world dictators and/or corrupt governments remain in control of their countries, people will be impoverished … and randomly tortured and murdered as well. Look what happened to Rhodesia – renamed " Zimbabwe " after its civilized government was overthrown – which was once one of the two most prosperous and civilized countries in Africa . (The second, of course, was South Africa , before its government caved in to the global frenzy over Nelson Mandela.) So, what can be done about the ruthless dictators who rule the world's most downtrodden inhabitants? Unfortunately, short of nuking them (which would kill hundreds of millions of innocent people), not much. The U.S. certainly can't put boots on the ground in every country where people are in distress and search every rat hole in an effort to find their dictators and bring them to justice. Which brings me back to Bill Gates. Even if every dime of Gates' $29 billion foundation reached the needy in Africa , it wouldn't do much good over the long term. The reality is that $29 billion is a drop in the bucket when it comes to providing people with food, medical care, and education. And even Gates has limited resources. The only thing that will permanently solve the problem of widespread poverty and slavery is freedom – which, by definition, includes free markets. When market forces are unleashed and people are free to pursue their own well-being, everyone's standard of living rises. In all honesty, I guess I'm neither vain enough nor smart enough to come up with solutions for third-world countries controlled by serial killers. But if Gates really wants to help impoverished people, perhaps he should just buy a third-world country of his choice from its corrupt rulers. Then, he could appoint himself as a benevolent dictator and allow people to pursue their own happiness in any way they chose. You're right. That's not going to happen. So, the next best thing is to make the civilized world even richer than it is and hope that some of the increased wealth will find its way to third-world countries – not just to feed and clothe people, but to promote economic growth. (Think, for example, of the way outsourcing and so-called sweatshops in such places as Indonesia and Pakistan have been a godsend to millions of previously desperate, unemployed people.) How could Gates accomplish this? By doling out his foundation's entire $29 billion in interest-free loans to Western entrepreneurs – particularly entrepreneurs who are down and out and have absolutely no collateral to back their loans. Entrepreneurs are those greedy guys who, for "selfish" reasons, constantly strive to create better products and services – and provide people with job opportunities in the process. Smart entrepreneurs clearly understand how the invisible hand of the marketplace works. They recognize that the most certain road to success is to give people what they want at prices they are willing to pay. That's why so-called capitalism (a.k.a. business freedom ) is the ultimate win-win philosophy. Having said all that, I'm sorry to have to add – and this will probably come as a surprise to you – that there is no chance whatsoever that Gates is going to take my advice. Instead, he'll dutifully listen to properly bred Melinda and throw good money after bad.

Perhaps I shouldn't say it publicly, but, as I've told Bill so often, if he doesn't start to heed my advice, I may have no choice but to resign as his financial advisor.

Today's Action Plan

Interesting subject. One that we hope you'll weigh in on in ETR's Speak Out forum. Is Bill Gates doing a good thing with his money? What could/should he do differently?

* Advertisement *

The Safest 100% in Technology Today Right now, one of the world's most successful technology firms is selling at the same price (adjusted for splits) that you would have paid 10 years ago! And the company's prospects could not get any better! Wall Street has overlooked MASSIVE hidden value in this company and I expect this stock to at least double in the near term. In the coming years this stock should easily trade at six to ten times where it is today. I tell you all about it in The 1000% Report … click here to learn more about it.

Worth Quoting: Michael Masterson on Making Money … "Making money is not the most important thing in life. When you're just starting your career, it may not even make your top-10 list of things to accomplish. That's fine. "But if you do something about making money when you're young – if you follow some of the recommendations I make in Automatic Wealth for Grads … and Anyone Else Just Starting Out - you can still attend to your other goals and get rich at the same time. That wouldn't be so bad, would it? "That's the purpose of my book: to show you how you can make the moneymaking part of your life automatic . When wealth is automatic, you have the time, energy, and peace of mind to focus on other, more important things."

(Source: Automatic Wealth for Grads … and Anyone Else Just Starting Out, Michael Masterson's newest book)

What You Drink Before and After Exercise Can Make a Difference By Jon Herring If strength training is a part of your exercise routine (and it should be), you want to maximize the return on your effort. To do that, you need to provide your body with the right nutrients at the right time. In sports nutrition circles, this is called "nutrient timing." And in the case of resistance exercise, protein is the right nutrient to have immediately before and after you train. In a recent study performed in Denmark, researchers had subjects go through a 14-week strength-training program. The subjects, split into two groups, drank either protein or carbohydrate supplements immediately before and after exercise. At the end of the 14 weeks, those who were given the protein had greater increases in muscle size and performance. Meanwhile, those who consumed only carbohydrates did not build a significant amount of muscle.

So when you're putting together a muscle-building nutrition plan, you won't get anywhere unless you have protein in the mix. An easy way to do it is to have a glass of milk (preferably raw and organic) or a scoop of protein powder mixed with water before and after training.

It's Good to Know: Two Books to Put on Your Quick-Reading List

By Michael Masterson I haven't read them yet, but I've read two reviews each on Crazy Busy and Sweet and Low that have piqued my interest. Sweet and Low is the story of the family that inherited the Sweet 'n Low artificial sweetener empire. Rich Cohen, a writer for Rolling Stone magazine who was disinherited from the fortune, tells a tale of greed, corruption, and the difficulty of doing any good by leaving money to heirs. CrazyBusy is about how ordinary people today are trying to keep up with the frenzy of technology. In a chapter titled "The Ten Key Principles to Managing Modern Life," author Edward Hallowell provides suggestions for slowing down and simplifying.

These books sound like good, quick, instructive reads. I'm going to get copies and read them. You might want to do it too.

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Word to the Wise: Gemmelsmerch According to Edward Hallowell, author of CrazyBusy (see above) and coiner of the word, "gemmelsmerch is the force that distracts the mind or steals it away from what it wants to do or ought to be doing." Examples of things that are high in gemmelsmerch: accidents along the highway, a jackhammer outside your window, and getting news that you will be audited by the IRS. A few more words coined by Hallowell to define productivity-killing activities:

Screensucking ("wasting time engaging with any screen – for instance, computer, video game, television, BlackBerry") Frazzing ("multitasking ineffectively")
Logonorrhea (You can guess what this one means.)

Michael
Masterson
Copyright ETR, LLC, 2006

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www.earlytorise.com
Tuesday, April 25, 2006
Message #1712

WEALTHY:
The "anti-Wall Street" retirement plan (Tom Phelan)
HEALTHY:
Make your own organic spritzer
WISE:
Steve Cook on Social Security

ALSO
IN THIS ISSUE:

From
ordinary to extraordinary (Michael
Masterson)

Jumping
from Excel to Word to Internet Explorer

Add
the word "titivate" to your vocabulary

*
Highly Recommended *

Like
Jumper Cables For Your Creativity

I
don't care if you think you're not an "idea person" or
if you believe you just aren't "creative." You're
about to discover how easily you can – literally overnight
– start coming up with the ideas and solutions that solve
problems, capture opportunities, and make life easier, better,
and more rewarding.

“I
love this! These are the kind of mind-expanding techniques
that have enabled me to generate millions of dollars for
my clients and myself – finally expressed in a systematic,
easy-to-understand, easy-to use way. My head is alive with
the sound of money-making ideas," says Joe Vitale, author
of the best-selling The Attraction Factor.

You'll
discover that you too can be highly rewarded for those ideas
with far greater income and dramatically increased success. Here’s
how to get started today.

-
Charlie Byrne

"Today
more people believe in UFOs than believe that Social
Security will take care of their retirement."

 -
Steve Cook

How
to Buy a U.S. Post Office With Your IRA

By
Tom Phelan

Over
the last few years, Americans have struggled to recover from
the devastation of their IRA and 401(k) stock portfolios. "Steady
the course" and "Ride it out" are Wall Street's
mantras to get people to keep their dwindling retirement
assets in commission-generating stocks.

But
not all of them are buying it.

After
decades of a monopolistic stranglehold by Wall Street, a
handful of non-Wall Street companies have emerged to offer
alternatives to standard Wall Street products. This competition
truly benefits you, the consumer, by offering a wide range
of investment options that can often be safer and more lucrative
than stocks, bonds, and mutual funds.

Though
more and more people are becoming aware of the fact that
there are alternatives to typical IRAs or 401(k)s, the information
readily available about all of the alternative retirement
plans (Self-Directed IRAs, Check Book Control Self-Directed
IRAs, SEPs, etc.) is often disparate and overwhelming. No
wonder Americans are confused and opt not to change anything.

A
lack of knowledge regarding your retirement options can add
years to your time on the job and result in many missed opportunities.
But it doesn't have to be that way. A moment taken to understand
your retirement plan options can lead to a lifetime of financial
security.

What
Are Your Alternatives?

To
put it simply: You can invest in products other than
stocks, bonds, and mutual funds with your retirement plan.
These "alternative" investment products include,
but are not limited to, real estate, tax liens, and even
businesses. But … to be allowed to invest in these investment
products, your retirement plan must be "Self-Directed."

Anybody
can have a Self-Directed retirement plan. These plans are
not limited to certain people or business owners or the self-employed.
You can have a Self-Directed plan.

There
are several types of Self-Directed retirement plans, and
some innovative companies are busy creating a host of even
more variations that appeal to people who want to diversify
their IRA portfolios beyond Wall Street. Depending on the
type of plan you choose, you will be able to invest in different
things. Each offers certain advantages.

Let's
take a look at just one of them.

The
Solo or Entrepreneurial 401(k)

This
is one of the newest and most innovative individual (as opposed
to group) retirement vehicles available today.

The
Solo or Entrepreneurial 401(k) is designed for sole proprietors
or a business in which only the owner(s) and spouse(s) will
be covered by the plan. It can allow contributions of twice
as much or more than other individual retirement plans, depending
on income.

This
plan is well suited for people who want to start up a business
or buy a franchise. It allows you to use the funds in your
retirement plan to invest in the business of your choice.
You simply set up your business as a corporation, and your
Solo or Entrepreneurial 401(k) becomes a shareholder. (I'll
explain that in a bit more detail in just a moment.)

A
Solo or Entrepreneurial 401(k) allows you to either actively
work in the business as an employee or to choose not to participate
in the business. In the latter case, you could hire a full-time
manager and employees for your new business and maintain
your old job.

If
you choose to act as an employee of the corporation, you
can actually draw a competitive salary. (It must be the norm;
you cannot gouge.) This means you would get paid to perform
a legitimate function in the business. If, for example, the
business is a real estate investment, you could get paid
to manage the property.

All
employees (including you, if you choose to work for the corporation)
will be responsible for taxes on their own wages, and the
corporation will be responsible for taxes on its earnings.
But here's the good part: Earnings made by your retirement
plan as a shareholder in the corporation compound tax-deferred.

Buying
a business with a Solo or Entrepreneurial 401(k) enables
you to fully utilize the money in your retirement account
and create an income stream now and tax-deferred
appreciation.

And
when the business is well established and has increased in
value, you can sell it for a nice profit … and defer taxes
on those gains as long as they go into your retirement account.

Here's
how a "facilitator" like Guidant Financial makes
the Solo or Entrepreneurial 401(k) work:

1.
You form a new "C" corporation with the help of
a facilitator. The facilitator will work with your attorney
and/or CPA or accountant during the formation process.

 2.
You set up a corporation sponsored 401(k) plan that is designed
to permit investments into your corporation. The 401(k) plan
comes complete with a favorable determination letter from
the IRS.

3.
You roll over to the new 401(k) plan. The facilitator helps
you during this sensitive process of moving retirement funds
from your previous employer or IRA into the new 401(k) plan.

4.
Your new 401(k) plan purchases stock in the corporation.
The 401(k) plan now holds stock in the corporation, and the
corporation is debt-free and cash-rich from the sale of the
stock. Because the corporation has funds, it can now purchase
real estate, a new business, or (if sufficient funds are
available) a franchise like Subway or McDonald's.

It
could even buy a U.S. Post Office building…

Buying
a U.S. Post Office

A
U.S. Post Office building, depending on location and size,
is an affordable, conservative investment. It can provide
4 percent to 8 percent annual cash on cash, plus appreciation
on the property. For example, there is a U.S. Post Office
in Medicine Bow, Wyoming (population 400) for sale at $65,000
that generates $600 in monthly rents.

Of
course, there are much larger Post Offices with much higher
rents and asking prices. But let's take a look at how the
Solo or Entrepreneurial 401(k) would work with this one.

 You
form a Solo or Entrepreneurial 401(k) that pays $65,000 cash
for the Post Office building. The taxes are $1,950 annually
(at 3 percent) and the insurance is $650 (at 1 percent. The
Post Office pays everything else: utilities, maintenance
and repairs, etc.

Annual
Rent: $7,200.00 ($600 monthly)

Annual
Expenses: $2,600.00

Net
Cash Flow: $4,600.00 ($383.33 monthly)

Yield,
cash on cash: 7.08 percent

Return
on Investment (ROI): 12.08 percent (assumes 5 percent appreciation)

And
over the years, your rental income will increase, leading
to greater monthly cash flow in addition to continuing appreciation.

If
you stack up this conservative investment with the U.S. Government
as a tenant against most Wall Street products, you can see
it does quite well.

Or,
if you prefer to participate more actively in your investment,
a Solo or Entrepreneurial 401(k) will allow you to buy a
business at prices that range from $15,000 to $1,500,000.

Just
One of Many New Alternatives for Your Retirement Savings
…

I
hope I have helped to shed some light on the exciting range
of new retirement products available to you. Remember, there
are several types of Self-Directed plans. Depending on your
personal goals and situation, one will be exactly right for
you. In my next article for ETR, I'll tell you about the
brand new Roth 401(k), which just became available in January
2006, and the groundbreaking opportunities it offers for
the next five years.

(Ed.
Note: Tom Phelan is a nationally recognized speaker and authority
on the topic of Self-Directed IRAs and Tax Advantaged Real
Estate Investing.)

Tom
Phelan has agreed to speak to Early to Rise readers
in an exclusive one-hour teleseminar about the full advantages
of Self-Directed retirement plans. You'll definitely want
to learn
more about this opportunity.

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How
to Be an Extraordinary Employee

By
Michael Masterson

If
you want an extraordinary income, you have to transform yourself
into an extraordinary worker. Here are six ways to do that:

1.
Get in early.

There
is no better way to demonstrate your commitment to your company
than by getting to work earlier than everybody else. Getting
to work early sends a good message: "I'm here! I am
eager to work! I'm ahead of the crowd!"

2.
Understand your responsibilities.

Until
you understand how what you do affects your boss's bottom
line, you'll never be able to make good decisions about which
projects to focus on. The best way to do that is to make
an appointment with your boss and ask him, "What are
the top 10 ways I can make your job more successful?"

Don't
worry about seeming like a kiss-up. Tell him that you realize
your chances of success depend on his success. "I'm
not asking for specific to-dos," tell him. "Once
I know your main objectives, I will be able to make good
decisions on my own. That's why I'm asking. Because I want
to make sure that my work plan is in gear with yours."

3.
Focus on what's important.

 List
your boss's top 10 priorities. Then identify two of them
that will have the greatest impact on his success. (Keep
in mind that he may not know what is most important for him.
After working with him for a while, you may have a better
idea than he does.)

4.
Never say "No."

Employees
often wonder whether saying "yes" to every request
will make them look weak or dependent. The answer? No. Your
boss wants a "yes" to every request he makes of
you. Saying "no" – though sometimes warranted -
may sound to him like you are moving against him.

But
… if you have already established a list of priorities
by taking steps two, three, and four, you'll have no problem
identifying requests that are low on his list. When asked
to do something of that nature, tell your boss that you will
be happy to get to it at some time in the future, but at
the moment you are working on things that you believe he'd
rather see done. Then tell him what those things are. Chances
are, he'll modify or even drop his request. If he doesn't,
you can expect there is a good reason why.

5.
Improve your skills.

Unless
you keep growing – in terms of your knowledge and skills
– you can't expect your income to keep rising. Ask questions
about every aspect of your business that is related to what
you do. Find out what you can about the other areas – especially
sales and marketing. Read executive memos. Take work-related
courses. Have regular chats about business with the power
people in your business. Implement what you learn in your
work.

6.
Communicate your progress.

Unless
you let your boss and other powerful people at work know
about your accomplishments, you can't be sure they will help
you. Make it a habit to update your superiors, in writing,
on the challenges you face and the accomplishments you've
made. In promoting yourself professionally, follow these
three rules:

Tell
the truth. False promotion is worse than none at all.
Be
generous with credit to others.
When
reporting accomplishments, be specific and keep your
ego in check.

(Ed.
Note: This article was excerpted from Michael Masterson's
newest book, Automatic
Wealth for Grads … and Anyone Else Just Starting Out. Turning
yourself into an extraordinary employee is just one aspect
of Michael's advice to help you develop your own plan for
financial independence.)

By
Jon Herring

If
you shop at a large health food store, you've probably seen
the huge selection of organic juices. Tart cherry, cranberry,
wild blueberry, pomegranate, and Concord grape juices can
be a great source of antioxidants. But at $6 or $7 a bottle,
you might be turned off by the price. Here's what I do …

I
mix an ounce or two of juice with 8 ounces of spring water.
If I prefer it a bit sweeter, I add a few drops of stevia.
Voila! A healthy refreshment, with very few calories, that
will satisfy your sweet tooth. And you can substitute sparkling
water to make a spritzer.

Kids
love these drinks, and it sure beats giving them soft drinks.
Plus, when all is said and done, you get three or four times
the mileage out of that expensive bottle of organic juice.

It's
Good to Know: Computer Basics
Toggling Between Open Programs

Let's
assume you are writing a memo in Word, importing statistics
from an Excel spreadsheet, and researching the subject you
are working on through the Internet. You have Excel , Word ,
and Internet Explorer open on
your computer, and you spend a considerable amount of time
switching back and forth between them. A quicker way to do
it is to toggle between programs.

Press
and hold the < Alt > key and then
the < Tab > key. A list of all open
programs will appear. Press the < Tab > key
again to switch to the next program on the list.

The
toggle function allows you to easily jump between open programs
without minimizing program windows.

(Ed.
Note: This tip comes to us from AWAI's new special report, Computer
Basics: A Step-by-Step Guide to Learning Computer Basics
the Fun and Easy Way.

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to writing stronger copy, getting higher paying jobs – even
more royalties.

Word
to the Wise: Titivate

To "titivate" (TIT-uh-vate)
is to spruce up.

Example
(as used by Peter Conrad in Modern
Times, Modern Places): "In The
Idle Class , when Chaplin is titivating in a hotel room,
the cloth on his dressing table rides up and down, caught
in the same furious gusts."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at  http://speakoutforum.com/forum/

or
send questions directly to Support@EarlyToRise.Com

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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.
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Comments/Questions: 1-866-344-7200

www.earlytorise.com
Monday, April 10, 2006
Message #1699

WEALTHY:
VL's million-dollar problem (Michael
Masterson)

HEALTHY:
The dark side of yoga

WISE:
Edward Gibbon on being rich

ALSO
IN THIS ISSUE:

A
major marketing mistake (Clayton Makepeace)

Outsmarting
the scammers (Will Newman)

Add
the word "nimiety" to your vocabulary

*
Highly Recommended *

Everybody’s
always talking about buying residential real estate with ‘no
money down’.  But why not learn to apply those
principles to large commercial deals, where you can realize
greater cash flow and profit with the benefit of professional
property management?  Toby Unwin has an amazing course
called One
Deal From Retirement
that is helping people do just that.

“From
watching the videos and following the steps I have made
1.5 million dollars on my first deal.  I am now a
26 year old self-made millionaire and this has been the
easiest way to gain these kinds of returns!”

- Tom
Bojadzijev

"I
am indeed rich, since my income is superior to my expenses,
and my expense is equal to my wishes."

-
Edward Gibbon

Living
Rich on $65,000 a Year

By
Michael Masterson

My
good friend VL has recently come into a tidy inheritance
of $1.4 million. After a promising start as a news anchor,
he quit that career when his marriage broke up. Because he
had custody of his two kids, he had to find a way to make
a living that would allow him to be at home when they weren't
in school.

For
more than 15 years, he struggled to make ends meet by doing
odd jobs. And in the evenings, while the kids were doing
homework, he brought in a little extra money by handcrafting
silver jewelry that he sold to a handful of local boutiques.
He was hoping to turn his little hobby/side business into
something that might eventually support his young family
… but then his dad became very ill. So VL put his life
on hold, packed up the kids, and moved from Florida to California
to care for his father.

We
kept in touch by e-mail during those difficult years. Then
one day VL called to tell me that his father had died …
and that he had inherited a large chunk of money from his
father's estate. He hadn't expected the money, and didn't
know how to deal with it. "How much is $1.4 million?" he
wanted to know. "I mean, is it enough to retire on?
Do you think I can I live off the interest?"

In
a book I'm writing now (Seven Years to Seven Figures:
Become a Millionaire While You Are Still Young Enough to
Enjoy It – which will be published next winter), I take
the position that any seven-figure net worth – as little
as a million bucks – is enough to retire on. So my answer
was "yes" – if he could live frugally.

"Could
you live on $65,000 a year?" I asked him.

"Could
I ever," he said, delighted. "In all the years
I've been working, my income has never been that high. Most
years, my kids and I lived very happily on half that amount."

"Well
then," I said. "You're all set."

Suddenly,
VL's future had dramatically changed. Instead of working
hard for the rest of his life, he could kick back and enjoy
his second 50 years without worrying about money.

In
achieving a life of financial independence, VL has one great
advantage that many people his age are missing. He has learned
how to live richly on a small income. What he doesn't have
– and doesn't need – are all the emblems of wealth: an expensive
car (he drives a vintage Volkswagen), designer clothes, an
imposing home, and so on. And he'd much rather cook dinner
at home for a few friends than eat out at a fancy restaurant.

So
$65,000 a year is more than he needs.

About
a month after we had that initial, revealing conversation,
I spoke to him again about his progress and his plans. "I've
decided to move back down to Florida," he told me. "In
fact, I'm planning on buying the house I grew up in.

"I'm
going to try to turn my jewelry-making into a full-fledged
business, and I know I need to put some money aside for that.
And then I'm going to invest the rest and live off the income."

We
also talked about the house he wanted to buy. Ten years ago,
he could have bought it for $70,000 or $80,000. "I checked
with the lady who owns it," he told me. "She said
she'd be happy to sell it to me, so long as I'm willing to
pay the market rate – $450,000."

I
recommended against buying now. "Rent it now. It will
be cheaper later. In fact," I said, "I'll bet you'll
see the value of that house decline by at least $50,000 to
$100,000 in the next few years.

"To
give yourself a good income with the least amount of risk," I
explained, "you need to keep your basic living expenses
– most of which depend on the cost of your home – to a minimum.
If you can rent now and buy that house for $350,000 in a
year or two (which I think is very feasible), then you'll
be making another five or six thousand dollars a year in
interest income. Plus, you'll be saving money on property
taxes.

"Rather
than buy that overpriced house now, at the top of the market,
rent it and invest the money you would have spent on it in
an area with more upward potential. In five or 10 years,
when prices have stabilized, you'll have plenty of value
in the real estate you own. You'll be able to sell it and
buy your dream house then, when the prices should be better."

VL
didn't like that advice, because he has his heart set on
buying a home now. I understand the feeling – he wants to
know that he has a place he can call his own, that no one
can kick him out of, that he can recreate into something
wonderful. But from a purely economic perspective, he'd be
making a mistake to invest such a big percentage of his inheritance
in South Florida real estate.

"Buying
a home is never simple," I replied. "It's always
been a balancing act between the head and the heart. But
your inheritance is large enough and your financial needs
are small enough that you can probably have your cake and
eat it too."

I
promised to send him recommendations for an investment portfolio
that could allow him to achieve all his goals:

Buy
his dream house for $450,000.
Invest
some money in his business to get that going.
Earn
at least $60,000 a year from the difference.
And
enjoy a worry-free, rich life.

You
may already be in VL's position – with about a million-dollar
net worth. Or you may be looking forward to the day when
you are. If you want to know how to achieve a net worth of
$1 million to $10 million in seven years, read my book when
it comes out in the winter. In the meantime, you might be
interested in the ideas I had for VL.

VL's
Five-Point Plan for Living Rich on $1.4 Million

1.
First, VL should buy the house for $300,000 down, with a
30-year, fixed, $150,000 mortgage. Since I expect the market
to take a steep step down and then start a gradual turn upward
again, the long-term, fixed-rate mortgage will allow him
to ignore market fluctuations. Based on current rates, he
should expect to pay about $11,376 a year in interest and
principal, plus another $7,000 or $8,000 a year in taxes.
That should give his heart the peace it wants while his head
can reasonably count on a long-term appreciation of at least
6 percent.

2.
With his $1.4 million diminished now to about $1.1 million,
he should allocate $100,000 for his business. His business
has several of the attributes that I recommend for people
in VL's situation: It can be run from home on the kitchen
table, it can be developed on a part-time basis, and it can
be marketed through the Internet.

If
he learns direct and Internet marketing (I recommend Direct
Marketing University and Instant
Internet Income, he can expect to see that
business start to give him positive returns of $10,000 to
$100,000 a year after an initial development period of between
12 to 24 months. That extra income – when it comes – will
be extra income that he probably won't need. But since he
enjoys the business anyway, he might as well do it the right
way and get paid for it once it moves into profitability.

3.
Of the million dollars that remains, VL should invest $500,000
in quality government bonds, yielding a tax-free return of
about 4.5 percent That will give him an income of $22,500
– not much, but it's tax-free. In pre-tax terms, it represents
about $30,000 – or half of what VL needs to enjoy a rich,
financially independent life. When buying bonds, VL should "ladder" them
out by expiration date. That is, he should buy some bonds
that will expire in 2010, some in 2011, some in 2012, etc.
The idea is to eventually have enough stretched out all the
way till your 90th birthday.

4.
VL should then invest $300,000 of the $500,000 that remains
in some combination of very conservative, investment-oriented
stocks. Our own Andrew Gordon is initiating
a service  that will specialize in
income investing. I would advise VL to follow Andrew's portfolio
or buy high-quality index funds. In either case, I think
he can expect to earn between 6 percent and 10 percent on
his money – given the condition of the market today. In terms
of planning his personal budget, he should expect to earn
only 6 percent – $18,000 a year (pre-tax) – on his stock
portfolio.

5.
Finally, VL should invest the remaining $200,000 in undervalued
real estate. Is there still any of that left in the world?
Absolutely. I'd recommend investing either in Latin American
retirement properties or in the Southwest (if he decides
to stick with U.S. properties). Based on the current market
rates that Justin Ford has been showing me, VL can expect
to make at least 10 percent on his cash in these areas. And
that's not counting rental increases and appreciation.

This
is a simple plan, but it should achieve all his objectives.
He would own his dream house. He would be earning, on a pre-tax
basis, about $68,000 a year (enough to cover the extra expenses
of owning a home). And his risk of seeing his nest egg deflate
would be very low because of the combination of bonds, conservative
stocks, and undervalued real estate.

As
a bonus, he could look forward to seeing his investment properties
throw off increasingly large returns, not to mention the
appreciation – which could easily amount to an extra $12,000
to $50,000 a year, depending on how he leverages the properties.

And
the final glicken is his business: something he
intends to do for the fun of it. I have a good feeling that
after a few years he'll be enjoying a nice income from that
too.

After
working so hard for so many years, VL deserves the good life
that awaits him. If he does what he plans to do – invest
his money conservatively and keep his expenses low – he should
be able to enjoy a worry-free, personally rich lifestyle
for the next 50 years.

Today's
Action Plan

It's
not too soon to prepare yourself to enjoy the kind of worry-free
financial independence that VL now has. Learn how to live
well on less money. Start a side business doing something
you love. And, as you start to accumulate a little nest egg,
invest it – as Michael recommends – conservatively.

*
Highly Recommended *

He'd
Have Called Them Crazy — Or Worse!

With
the Internet, it's now possible to spend no more than a few
dollars, write a couple of very basic ads, and have instant
access to millions of potential customers all in a matter
of minutes.

If
anyone had told Jim Sheridan he could bank thousands in just
24 hours. . . without any product of his own. . . without
spending a penny on getting it or promoting it, he'd have
justifiably said they were  nuts.

But
Jim made a decision that he would overcome his skeptical
nature and give it a go. Boy, is he glad he did! That one
deal alone banked him $187,296 in one day.

The
great news is – you can copy Jim’s plan exactly. The
program is called Instant Internet Income and I guarantee
it does exactly what it says it does.

Take
a look at how Jim brought in over $175,000 in a single
day!

- Patrick
Coffey

A
Peaceful Mind Shouldn't Come With a Sore Back

By
Jon Herring

Pulled
muscles … damaged joints … sprained necks, wrists, and
knees. Yoga-related injuries have increased dramatically
in recent years – and yoga's growing popularity is only part
of the reason.

Many
injuries happen when people force themselves into positions
beyond their physical limitations. Yes, you have to challenge
yourself … but just a little at a time. Yoga is not a competition.

Another
reason yoga injuries are on the rise is because, with increased
demand, there are lots of new, inexperienced, and badly trained
instructors. Some of them get their training in weekend workshops
or even online. (In Message #1632,
Michael Masterson warned about the same thing with personal
trainers.) To enjoy the benefits of yoga safely, you should
learn from someone who is well-qualified.

Here's
what to look for:

Your
instructor should have extensive education in anatomy,
physiology, and (of course) yoga postures. That training
should span years, not weekends.
Your
instructor should have extensive teaching experience
– and clients who are willing to tell you more about
his or her teaching style.
Your
instructor should teach you to "listen" to
your body – to identify signs of discomfort and know
when to stop.
Even
in a group setting, your instructor should provide personal
attention.
Your
instructor should ask about any previous injuries you
have, and take special care to make sure you do not develop
overstretching injuries at the wrists, shoulders, neck,
hamstrings, or along the spine.

Practice
yoga under the tutelage of an instructor with these qualifications,
and you're much more likely to have all the physical and
spiritual advantages without any of the pain.

Overcoming
Skepticism

By
Clayton Makepeace

Marketing
pros consider all of the emotions the prospect is feeling
when reading the sales message. And to our over-advertised-to
prospects, skepticism is definitely a resident emotion
today.

One
of the biggest mistakes marketers make is not addressing
that skepticism early in their sales copy.

Addressing
and defusing your prospect's skepticism with testimonials,
endorsements, test data, your spokesperson's qualifications,
and other credibility builders is absolutely essential
to boosting response.

(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!" )

It's
Good to Know: A New Credit Card Scam

By
Will Newman

Never give
any information about your credit card accounts to anyone
who calls you. That seems obvious. But now there's a scam
that works because the scam artists already know your credit
card number.

The
scammers call you and pose as agents from your credit card
company. They say your card is being used fraudulently and
they need to verify some information. They then read you
all your pertinent card information, except for the three-digit
security code. They ask you for this so they can "verify
that you have the card in your possession." Once you
give them that number, they now have everything they
need to charge purchases on the Internet or over the phone
using your card.

We
repeat: NEVER give out any information to someone
who contacts you and claims to be from your credit card company.
Tell them you will call the company yourself. Then call the
number on the back of your credit card and report the phone
call.

For
more information on this and other scams, visit the ScamBusters
website Here.

(Ed.
Note: Will Newman, a regular contributor to ETR, is editor
of AWAI's The
Golden Thread online newsletter – a
free weekly alert loaded with marketing secrets, tips, and
insights.)

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Word
to the Wise: Nimiety

"Nimiety" (nih-MY-uh-tee)
is another word for "excess." It is derived from
the Latin "nimius" ("very much, too much").

Example
(as used by James J. Kilpatrick in a National Review article
titled "Buckley: The Right Word"): "What a nimiety of
… riches have we here! I am quite undone."

Michael
Masterson
Copyright ETR, LLC, 2006

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www.earlytorise.com
Saturday, April 22, 2006
Message #1710

WEALTHY:
How hard could it be to buy a pair of boots? (Dan Kennedy)
HEALTHY:
When farm-raised fish is the right choice
WISE:
J.C. Penney on training salespeople

ALSO
IN THIS ISSUE:

The
added benefit of long, hot showers (Matt Furey)

Plugging
the brain drain (Michael
Masterson)

Add
the word "turpitude" to your vocabulary

*
Highly Recommended *

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.

-
Charlie Byrne

"It
was always my practice to train salespeople under my
direct supervision, and to treat children with the utmost
consideration."

-  J.C.
Penney

Salespeople
Who Don't Sell

By
Dan Kennedy

Recently
when I was in Phoenix, I went to a cowboy boot store. To
buy boots. I have a pair of ostrich boots I've had for quite
a few years. Re-soled them a few times. They have a lot of
miles on 'em, but I'm very reluctant to give them up because
they are so comfortable … and because I have a jacket,
wallet, and portfolio to match.

But
they are finally wearing out at the stitching points, and
re-stitching ostrich is a losing battle. So I went to the
boot store.

Let
me point out that this is a big store, but independently
owned. Not a chain. At 4:45 p.m., its parking lot is empty.
I'm the only customer. While my boots are not incredibly
expensive, they are not cheap. Which makes this enough of
a sale that a store's owner would presumably be happy to
have it.

I
pointed to my foot, and asked the clerk for an identical
pair, 11D. The befuddled young lady took me to the boot area,
where we were unable to find such a thing. "But," she
said, "we have the Tony Lama catalog and can special
order." Fine by me. And, hey, that's helpful. She's
showing some initiative … and I am briefly encouraged.

Off
I go to the catalog (which is chained to the desk). Unfortunately,
still no identical pair, but a close facsimile. Being the
decisive soul that I am, I decide to get the current pair
repaired, go ahead and buy the next best thing, and later,
elsewhere, continue to hunt for the identical boot. I point
and say "I'll take those."

And
here's her reply:

"The
only person who knows how to write up a special order isn't
here. You'll have to come back tomorrow."

No,
I'm not kidding. And she made no attempt to get my name,
phone number, set an appointment, bribe me to come back with
a gift. Nothing. She's gone … and I'm standing there open-mouthed,
like a doofus. As you can guess, I leave steamed. But, dammit,
I need the stinking boots.

So
the next morning at 9:30 a.m., a half-hour after the store
opens, I dutifully report. The only person capable of writing
up my order still isn't there, but I'm told she could arrive
any minute. Believe it or not, I wait. Fifteen minutes later,
the rocket scientist required to handle the Herculean task
of taking my money walks in the door.

If
she's older than 20, I'll eat the boots. Pleasant, but not
exactly a Harvard graduate in order writing. As I observe
the procedure, it looks like something any chimpanzee could
be easily trained to do … but maybe I'm missing something.
Next, there's a problem because I want to pay in full rather
than just put down a deposit. That causes a three-headed
huddle.

They
got this sale in spite of the major effort they made not
to – and only because I am so determined to spend my money.
They didn't deserve it. But harken unto me, that's the sort
of thing happening everywhere. Including your store or office
or clinic. Of course, you will vehemently deny it. And you
are wrong!

If
you employ human beings who have contact with your customers,
clients, or patients – face to face or via the telephone
– I ironclad guarantee you that if you eavesdropped on a
dozen of their encounters, you'd vomit.

For
a certain kind of employee, sales training is like a bath.
Daily's ideal. Once a week is mandatory.

I'm
not talking about all employees – and I hope I'm not talking
about any of your employees who are in a management position.
As Michael Masterson has drummed into your head, you're making
a huge mistake if you don't hire the best of the best for
those jobs. But what about the people on the bottom rung
of your company ladder? That's where you'll find the kind
of people I'm talking about.

These
people are likely to come to work Monday having forgotten
everything useful or important about their jobs from the
previous week. Heck, it's a miracle they remember where they
work let alone what they're supposed to do there. They also
think you are an idiot, a gasbag, and a giant pain in the
heinie. So don't expect them to voluntarily adhere to your
procedures and stick with your sales script.

If
you want it said or done a certain way, you'd better role-play
it, drill it, practice it, "mystery shopper" it
CONSTANTLY.

Bringing
in an outsider to do sales training can be helpful. Just
for the record, I occasionally do that. A "hired gun" trainer
can have some immediate and short-term impact. Certainly
worth the cost. But then you or somebody internally has to
pick up that ball and run with it daily.

Oh,
and by the way, most of the salespeople floating around under
the age of 40 are woefully devoid of exposure to good sales
training and sales fundamentals. And if you have salespeople
who aren't reading, listening to tapes, working on both their
skills and their attitudes … fix that. Or replace them.
Salespeople need to be taught that, in the absence of their
having and using a SYSTEM for selling, they are at the mercy
of their prospect's system for buying or not buying.

Remember
that there are three aspects to wringing productivity out
of salespeople: (1) leadership, (2) management, and (3) supervision.
And when I say "salespeople," I mean your receptionist
and front desk staff as well as the guy in the sunglasses.

Anyway,
here's the short course.

LEADERSHIP
is the warm, fuzzy, happy stuff. Motivation. The vision.
The mission statement. Lots of recognition for jobs well
done. Providing good selling tools.

MANAGEMENT
is establishing the plan. How the selling is to be done.
Policies, procedures, scripts, offers, as well as means of
measurement, such as quotas or ratios.

I'll
never forget Chuck Sekeres, founder of the Physicians Weight
Loss chain, describing his simple way of managing the folks
handling inbound calls: "We play baseball. Three strikes
and you're out." Take three calls, zero appointments,
you're gone. Somebody new has the headset.

SUPERVISION
is police work plus coaching. Detection and enforcement.
Checking to see if what's supposed to happen is actually
happening. In most businesses and most sales environments,
supervision is sloppy, erratic, and inadequate.

(Ed.
Note: Dan Kennedy is the author of nine business books, a
busy entrepreneur, consultant, speaker, and direct-response
advertising strategist. For a limited time, you can take
advantage of " The
MOST INCREDIBLE GIFT EVER" ($798.89
worth of Dan's money-making information).)

It
costs a lot of money and you invest a lot of energy in getting
a prospect to call or come in to your place of business.
When employees fumble that, they are stealing money from
you just as certainly as taking cash from the register. Think
about the difference in the severity of your reaction to
the one kind of theft versus the other.

-
Dan Kennedy

*
Advertisement *

Is
someone you know graduating this spring?

With
Michael Masterson’s newest book, Automatic
Wealth For Grads… and Anyone Else Just Starting Out,
you can help your graduate become a self-made millionaire
by the time she’s 30!

There
is no easier way to help your graduate set up her future. Order
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Why
You Should Avoid (Most) Farm-Raised Fish

By
Jon Herring

Roughly
20 percent of the global seafood supply comes from fish farms.
It might seem like this would be good for the environment
– by taking pressure off wild populations – but that's usually
not the case.

For
one thing, most farm-raised fish eat fish meal made from
wild fish. Take salmon, for example. On the average, it takes
four pounds of wild fish for every one pound of farm-raised
salmon that is produced (equaling a net loss of three pounds
of protein).

Fish
farms also depend on wild populations to supply eggs and
young. And fish raised in net pens along the coasts produce
great amounts of concentrated waste – pollution that's known
to cause disease in wild populations.

But
there are exceptions …

Fish
that are farmed inland – like tilapia, catfish, and trout
– do not negatively impact wild stocks. And because they
primarily eat plants, they provide a sustainable net gain
of protein. Farm-raised oysters, clams, and mussels are also
healthy and environmentally friendly food choices. These
shellfish filter plankton for food, so they need no additional
nourishment. And because they must come from non-polluted
water when farmed for human consumption, shellfish farms
often initiate efforts to keep coastal waters clean.

So
if you want to enjoy sustainable farm-raised seafood, stick
to the varieties listed above. And stay tuned. Monday, I'll
tell you about one farm-raised fish to definitely avoid.

By
Matt Furey

When
you need a creative solution, a new product, or a new marketing
plan, you can't depend on inspiration to hit. You need
to find a way to consistently open up your mind to great
ideas. Here are three ways to do it:

1.
Go for a walk … and, while walking, focus on your breathing.
Pay attention to your feet pushing into the ground. Notice
the air coming in and out of your lungs. This will keep
your conscious mind focused on "something else" and
free up your creative side.

2.
Take a shower. And take it for reasons other than, "Pew,
I stink." Take a shower because it is the place where
most creative people get their best ideas.

3.
Before going to bed at night, visualize your goal. Then,
just before you drift off to sleep, pose a question to
your subconscious mind, directing it to search for and
retrieve a great idea while you are dreaming.

As
the great Earl Nightingale once said, "Ideas are like
slippery fish." This means that you must write down
your idea immediately to prevent it from getting away.
And then you must make that idea become a reality.

First,
you need to see yourself successfully completing it. Sadly,
this is where most people fail. They get great ideas, then
lose enthusiasm for them. Don't let that happen to you.
Increase the belief you have in your idea by amplifying
the emotion you have for it in the "Theatre of the
Mind." (I learned how to do that with Dr. Maxwell
Maltz's program on Zero
Resistance Living.)

Then,
you have to search for and discover the knowledge you must
have in order to make the idea work. If, for example, your
idea has something to do with making a boatload of dough
via the Internet, then you'd better study how that is done.

Once
you get the idea-generating process flowing, you will realize
that you cannot stop it. What a wondiferous problem to
have, eh?

Get
the process rolling TO-DAY and a whole new life awaits
you. Never forget: "Beginning is half done." I
learned that over 20 years ago … and how true it is.

(Ed.
Note: Matt Furey, along with Rich Schefren and Yanik Silver,
will be revealing the most profitable "hidden" Internet
income opportunities around in ETR's teleconference series, " Secrets
of Easy Internet Money." Whether
you already have an online business or are just thinking
about starting one, you'll want to hear what they have
to say.)

California
Senator Dianne Feinstein is afraid that foreigners are "snatching
places at American universities from deserving American students." And
she's trying to make it harder for foreign students to study
at American universities. But the truth must surely be, as
a recent New York Times essay by Steven Clemons
and Michael Lind pointed out, "that our universities
are weakened when fewer talented international students enter
their programs."

Feinstein
supports bills that would make it easier for uneducated foreigners
to work in the U.S. at the lowest levels of employment. But
she's averse to letting in the brightest outsiders.

Since
American citizens are apparently unwilling to work as domestic
workers and farm laborers, it makes sense to import people
who'll do the work for less money. Bringing in tens of thousands
of uneducated poor has huge indirect costs – the strain on
public services, healthcare, and the criminal justice system,
for example. But if employers are willing to pay these extra
costs, then bringing in such workers, on a controlled and
temporary basis, makes great sense.

It
makes just as much sense, it seems to me, to get lots of
smart people into our universities – especially if we can
find some way to induce them to stay on as contributing members
of our economy.

When
you've been running a business for any length of time, you
can't help but recognize the big impact that smart people
have on your business. Even if your company's mission is
to cut lawns or install aluminum siding, having bright, well-trained
workers at the management level is a major benefit.

Given
the choice, I'd much rather hire a motivated, well-educated
person with no experience than a grumpy old geezer with loads
of experience. As you know, when it comes to building successful
businesses, finding fresh-from-college superstars is my primary
business-building strategy.

I
am willing to spend time and money on finding and training
people for management positions because I recognize the positive
effect it can have on my future. (I don't focus on finding
smart rank-and-file workers because I find that, in my position,
I can't motivate them.)

Bottom
line: If you want your business to prosper, fill it with
smart people – no matter where they're from.

(Ed.
Note: "Given the choice," Michael Masterson just
said, "I'd much rather hire a motivated, well-educated
person with no experience than a grumpy old geezer with loads
of experience. As you know, when it comes to building successful
businesses, finding fresh-from-college superstars is my primary
business-building strategy."

If
you intend to be one of those superstars, Michael explains
exactly what you have to do in his new book, Automatic
Wealth for Grads … and Anyone Else Just Starting Out.)

*
Highly Recommended *

There
are two ways to open a big jeweler’s safe:  You
can spend hours sawing, drilling, and pounding on the outside
of the safe, to FORCE it open.  Or you can use two fingers
to open it effortlessly…IF you know the combination. If
you know the secrets to making the safe
yield its riches.

The
same is true about investing in real estate.  If you
don't know the right techniques, you can run yourself ragged,
calling newspaper ads, leaving business cards all over town,
and getting run over while you hang "We Buy Houses" signs
at busy intersections.  You can get a few deals that
way, but the hard labor takes its toll.

There's
another approach:  You can follow the techniques that
highly successful real estate investors use to bring in business.  Some
of the best methods work on "autopilot", while
you're asleep, or busy with your day job.
There is now an entire resource kit of dozens of these techniques,
all designed with one goal in mind: Make your phone ring with
motivated sellers, wanting to unload their properties. 

To
find out more about this collection of real estate investing
secrets, click
here.

-
Kam Weiler

Word
to the Wise: Turpitude

"Turpitude" (TUR-puh-tood)
is a corrupt, depraved, or degenerate act or practice. The
word is derived from the Latin "turpis" ("foul,
base").

Example
(as used by Henry James in Portrait
of a Lady): "They were not his
misdeeds, his turpitudes ; she accused him of nothing – that
is, of but one thing, which was not a crime."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at  http://speakoutforum.com/forum/

or
send questions directly to Support@EarlyToRise.Com

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.
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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.)

_____

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Order
Processing Center
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_____

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: 1-866-344-7200

www.earlytorise.com
Tuesday, April 18, 2006
Message #1706

WEALTHY:
Ratcheting up profits with other people's money ( Michael
Masterson )
HEALTHY:
The "Distant Night Exercise"

WISE:
Leo Burnett on marketing

ALSO
IN THIS ISSUE:

A
master copywriter's guide to selling online (John Forde)

The
strategic approach to planning your day (Rich Schefren)

Add
the word "exiguous" to your vocabulary

*Highly
Recommended *

Three
Stocks that Can Make You an Absolute Fortune

How
would you like find an investment with a massive upside…
like 5 to 10 times on your money… and with a VERY wide
margin of safety? It might sound too good to be true, but
that's exactly what you can expect when you find a company
with massive hidden assets.

Well,
my colleague, Andrew Gordon, has just spent the last several
months searching for these types of situations… companies
with hundreds of millions of dollars that Wall Street is
overlooking. And he found three of them. Buying these stocks
is like buying dollar bills for 30 cents a piece… small
risk and an astronomical reward. Andrew just wrote a complete
analysis of what he found in a document called The
1000% Report. I highly recommend you check
it out.

-
Will Bonner

By
Michael Masterson

Next
to owning your own business, investing in real estate gives
you the highest potential return on investment (ROI). The
reason you can get such high returns on real estate is because
of the power of leverage.

Let
me explain.

When
you're a real-estate investor, you're essentially in the
business of finding other investors to back your projects.
Those investors are lending institutions or private lenders.
They receive interest payments from you and, initially, loan
fees. You get to keep the profits.

This
is what is called "positive leverage." Essentially,
you are borrowing most of the money you need. It means you
can ratchet up your profits by using other people's money
to control an appreciating asset – and it's one of the great
advantages that real estate has over the stock market.

In
a typical leveraged (i.e., mortgaged) real estate deal, you
can invest $10,000 to $20,000 (or less) to buy a $100,000
property. If that property appreciates 4 percent (or $4,000),
then the ROI you achieve is not 4 percent but 40 percent
or 20 percent, depending on whether you invested $10,000
or $20,000.

I'm
simplifying things for the moment, but stick with me. This
is a pretty interesting subject. If the property "cash
flows" (meaning, if the rent you get for it covers your
loan costs plus taxes, insurance, and an allowance for vacancies
and maintenance), you benefit from all the appreciation multiplied
by the amount of leverage you took.

A
90 percent mortgage (one in which you put up only 10 percent
of the property cost) gives you a 10-to-1 leverage advantage.
A 95 percent mortgage gives you an 18-to-1 leverage advantage.

In
other words, you get all the net cash flow. And you get all
the equity built up from paying down the loan (amortization).

For
example, let's say you put $10,000 down on a $200,000 property.
If you waited three years to sell it and, at that time, its
value had gone up to $300,000, you would have turned your
$10,000 into $110,000 – not including the net rents you've
accumulated and the amortization you've picked up. Subtract
your buying and selling costs, and you should still make
10 times your money (or more) in just a few years. That's
the power of financial leverage.

Having
a mortgage would increase your costs – roughly by the amount
of interest you would pay (the cost of the money you are
financing) – and so you might end up paying some additional
fees. But overall, your returns on the property would greatly
outweigh the cost of the investment.

(Ed.
Note: The above article is an excerpt from the book EVERY
graduating student should haven Michael Masterson's just
released Automatic
Wealth for Grads… AND ANYONE
JUST STARTING OUT.)

"A
good basic selling idea, involvement and relevancy, of
course, are as important as ever, but in the advertising
din of today, unless you make yourself noticed and believed,
you ain't got nothin'."

 - Leo
Burnett

11
Things You Can Do Right Now to "Fix" a Business
Website

By
John Forde

The
bigger the Internet gets, the more important it is to have
a website that works. And I'm talking not only about sales
websites but also about editorial-style websites. Here are
the 11 best ways I know of to do it:

1.
Define the site's purpose in five words or less.

Is
this a sales site? Then the goal is: "Sell ______." Is
its purpose to build an e-zine's mailing list? Then the goal
is: "Get names for mailing list."

The
purpose needs to be that simple. Pick the most important
result, make it narrow, and stick to it. The more you try
to accomplish, the less the site will accomplish in terms
of quality results. You can always create other websites
to serve other purposes.

2.
Get a headline at the top of the first page.

Forget
big logos. Forget splash pages. Get words up top in type
bigger than you think you need. And not just any words. You
need a powerful emotional "hook." A big problem
identified. A shocking statement. A huge benefit.

3.
Get a big benefit "above the fold."

If
your headline at the top of the page is benefit-driven, you've
done this. If your headline is fear-driven or something other
than a clear benefit, apply the "no-scroll" rule:
Make sure the reader sees the benefit before he starts scrolling
down the page.

4.
Get rid of "click here to continue" page breaks.

For
a fluid, more effective reading experience, you need one
long scroll. The less clicking your readers do while soaking
up your message, the better. Don't let anyone tell you otherwise.

5.
If it's a site for building a mailing list, get your signup
box "above the fold."

If
you're after e-mail addresses, the sign-up box should be
featured prominently in one of the corners. And it should
reassure readers that there's no risk to their privacy when
they sign up (which had better be true).

6.
Strip away pointless graphics and links.

Don't
risk having readers miss what you have to say by obscuring
it with unnecessary links and graphics. You don't want images
that aren't relevant to your message, no matter how cool,
cute, or stylish. Nor do you want to give links to other
websites (at least, not on a promotional page) or anything
that does not further the sale. Stay in control of the reader's
attention.

7.
Eliminate technological "tricks."

Flashing
banners, java-programming, flash-programming or frames are
not only distractions, they take too long to load. Worse,
they could crash your website or the user's Web browser.
Obliterate them.

8.
Reread all your subheads.

Skim
through the document and read the subheads. Not all of them
have to sell, sell, sell – but it's a mistake for none of
them to do so. You need subheads to keep hooking the interest
of the page skimmer, which is what most people are when they
read both online and printed direct mail. Subheads are there
to pull the reader back in. Well-crafted subheads offer a
path that the reader will want to follow.

9.
Check and recheck your offer.

When
sales websites go wrong, the offer is often the reason they
flop. Is it the best possible offer you can make? Is there
an aspect of the sale that can be fulfilled online (to cut
costs and motivate the buyer with instant-satisfaction urgency)?
Can you offer a better guarantee? Is the guarantee featured
close to the push for action? Have you reassured your readers
that your reply page and their information are secure?

10.
Read the copy out loud.

This
old technique still works. Print the page and read the copy
out loud. You can even record it and listen to the playback.
Do any phrases sound dull? Are there sections that are boring
or long-winded? Or parts so good you realize they should
land closer to the front? You'll discover flaws and opportunities
this way that you'll completely miss otherwise.

11.
Run a local usability test.

Get
at least three people who know little or nothing about the
product you're selling. Let them read the Web page without
giving them instructions on how to navigate. Provide no warm-up
about what to expect. If they all have similar complaints,
fix the problem. If their best response is that they "like" it,
you still have work to do. If they start asking questions
about the product and how to get it, you've got a winner.

(Ed.
Note: John Forde is a popular presenter at AWAI Bootcamps
and seminars. He writes extensively for Web promotions, and
is the author of AWAI's new copywriting program, Secrets
of Writing for the Internet.)

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Deciding
What to Do Each Day

By
Rich Schefren

Strategic
entrepreneurs don't start out their days by asking, "What
do I want to do today?" They ask themselves, "What
are the most important, highest-leverage activities that
need to get done today?"

Take,
for instance, Jack Welch. When he took over as CEO of General
Electric, points out the Harvard Business Review ,
he realized that "what needed to be done … was not
the overseas expansion HE WANTED to launch. It was getting
rid of businesses that, no matter how profitable, could not
be number one or number two in their industries."

As
an entrepreneur, you have to focus on the needs of your company
when choosing how to spend your time. Are you picking tasks
based on what you want? Or are you making those decisions
based on what your company needs from you?

If
you pick the most important task to work on first, you'll
be more effective and your company will be more profitable.

(Ed.
Note: Rich Schefren is arguably one of the world's best small-business
strategists. His marketing strategies have been featured
in The Wall Street Journal , and he's appeared on
every major television network, including ABC, CBS, and NBC.

Rich's
businesses have done over $35 million in sales, and he currently
coaches many of today's top Internet gurus and service providers
on streamlining their businesses while exploding their profits.)

Today's
Action Plan

Whether
you already have an online business or are just thinking
about starting one, you'll be interested in ETR's special
teleconference series, "Secrets of Easy Internet Money." Rich
Schefren, Yanik Silver, and Matt Furey will be revealing
the most profitable "hidden" Internet income opportunities
around. Learn
more.

It's
Good to Know: An Exercise to Reduce Eyestrain

By
Jon Herring

At
the end of a very long day last week, my eyes were tired
from too many hours in front of the computer. But before
I called it a night, I happened to catch an e-mail from
health writer Chet Day about an exercise to relieve eyestrain.
It worked for me right away, so I thought I'd share it
with you. It's called the "Distant Night Exercise."

1.
Cup your hands and place your palms over your eyes. Position
your hands so that no light is coming through. Your palm
can touch your eyelashes, but do not put pressure on your
eyes.

2.
As long there is no light coming in, you can keep your
eyes open or closed. Now, relax and imagine that you're
looking into the distant night sky.

After
30 seconds or a minute, the eyestrain should be diminished.
This works because your eyes are much more relaxed when
you are looking out at a distance, rather than focusing
on a near point. Give it a try.

*
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Word
to the Wise: Exiguous

Something
that is "exiguous" (ik-ZIG-yoo-us)
is extremely scanty. The word comes from the Latin "exiguus" ("strictly
weighed").

Example
(as used by Terence Brown in The
Life of W.B. Yeats): "Among the
pressures provoking these distresses were a father's financial
inadequacy and a growing awareness that, by finding employment
himself, he could ameliorate the family's exiguous circumstances."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson? Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at  http://speakoutforum.com/forum/

or
send questions directly to Support@EarlyToRise.Com

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

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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.)

_____

To
unsubscribe, Click
here

To
change your email address, Click
here

To
cancel or for any other subscription issues, write
us at:Order
Processing Center
Attn: Customer Service
P.O. Box 925
Frederick, MD 21705

_____

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: 1-866-344-7200

www.earlytorise.com
Monday, April 17, 2006
Message #1705

WEALTHY: Platinum, overthrown (Andrew Gordon)
HEALTHY: Another reason to avoid mass-produced olive oil
WISE: H. Jackson Brown Jr. on finding the right job

ALSO IN THIS ISSUE:

The right way to find a job ( Michael Masterson )

Flowers that tell time

Add the word "pomace" to your vocabulary

* Highly Recommended *

Take Charge of Your Future

You don’t have much spare time… you’re not exactly rolling in the bucks… and you’re no Bill Gates when it comes to technology.

We’ve heard you… and that’s why we asked Marc Charles to be our “advance scout” for profit opportunities that you can run from a kitchen table, your desktop, or out on the road.

They’ve got to be inexpensive and easy to start, without a lot of red tape or technical know-how, and still have great income potential.

There’s a reason they call this guy “The King of Business Opportunities”…why not take a look at what he’s got for you? 

Bullish on Palladium

By Andrew Gordon

Platinum isn't the same deal it used to be back when it was $200 a troy ounce and used primarily for jewelry.

We keep finding new uses for this metal. First it was catalytic converters in cars, and then as a component in flat-panel television screens. But now, the cost is becoming way too much for manufacturers to handle.

Do they have a choice? Yes. They're discovering that platinum's sister metal, palladium, can be used in the exact same ways as platinum – and it's 70 percent cheaper.

While this is bullish for palladium, the main reason why it's such a great investment has to do with the emergence of Chinese palladium jewelry. Last year, demand for palladium jewelry took up about 24 percent of the palladium supply. And this year, that number is set to grow to about 35 percent. The palladium supply could potentially fall into a deficit this year for the first time since 2001, when it rose to about $1,000 per ounce.

With the price of platinum reaching an all-time high, it's obvious that the upside potential of that precious metal is becoming more limited every day. Meanwhile, investing in palladium now offers a potential return in excess of 300 percent.

Interested? You can purchase 100-ounce bullion bars from Mike Berry at Gold Line International (1-800-827-4653). Not only will they sell you the bullion, they'll hold it and insure it too. Then, when you're ready to lock in your profits, call Mike and he will buy back your bullion.

(Ed. Note: Andrew Gordon, ETR's financial expert, is the editor of our new investment service: The Wealth Advantage. Join now and you'll get a free special report on three companies that have the very real potential of giving you up to 1,000 percent on your investment.)

"Find a job you like and you add five days to every week."

 - H. Jackson Brown Jr.

Starting Off a Perfect Career With a Great Job

By Michael Masterson

I've read many books about job hunting. Most of them were full of bad advice. What they explained (sometimes well, sometimes poorly) was how to do well what everyone else is already doing.

When you're competing with hundreds of qualified people for one good job, doing what everyone else is doing – even if you do it especially well – won't get you the job. Why? Because the person to whom you are sending your resume is getting dozens or even hundreds just like yours !

When writing resumes, most people do exactly the same things. They emphasize their strengths, hide their weaknesses, and make all the same claims:

"I'm highly organized."

"I get along well with people."

"I'm a natural leader."

"I'm a self-starter."

"If I have one fault, it's that I can't tolerate bad work."

Maybe you are highly organized. Perhaps you are a natural leader. But when everybody else applying for the job is making the same claim, what's a potential employer going to do? How can he know that your claim is the one, true claim?

He can't. And so he'll ignore it. Instead, he'll look for any little evidence of imperfection in your resume – a mis-punctuated sentence, a reference to a hobby he doesn't like – and then toss it in the trash basket. How do I know? Because I've deep-sixed thousands of conventional resumes.

If you really want to get hired, you have to distinguish yourself. And the best way to do that is to forget about the standard resume/cover letter program altogether and replace it with a more sophisticated, more personalized pitch that is based on proven, direct-marketing principles.

Direct marketing is the science of creating positive responses with sales letters. By using its proven secrets, you'll dramatically increase your chances of getting the kind of response ("Come in for an interview!") you are looking for.

Sending out standardized resumes and cover letters – the conventional approach to getting a job – hardly ever works, because they are too broadly written, they are sent out to too wide an audience, and they talk too much about the sender and too little about the reader.

Anybody who's been in the sales or direct-marketing business will tell you that these are three major strikes against you.

The First and Most Important Secret to Finding a Job

The most important thing you need to realize about getting a job is this: The person who will be reading your letter is not really interested in you .

He's interested in himself . And he's also interested in his business – the problems and the challenges his company faces every day. He may be in need of someone to help him, but he doesn't care about how wonderful that person is. He just wants to know: "Can this person solve my problems?"

Let's get back to direct marketing. The direct marketer knows that, to make a sale, he can't waste his prospect's time by talking about himself. Everything he writes must be focused on the prospect's problem and how much better her life will be after she's bought his product.

This is exactly what you have to do when you send out job-hunting letters. You have to let your prospective employer know that you understand exactly what his problems are and that you have solutions for each and every one of them.

Think of it this way: When seeking a job,

The letter and the resume are parts of a direct-mail promotion.

The letter is intended to sell. As a sales letter, it must be about the prospect's problems, not about your strengths, weaknesses, or wishes.

The resume is secondary. With the right sales letter, it's not even necessary. If you do include a resume, it should serve as a quick-reference guide to your previous successes and strengths rather than giving a lot of superfluous information about hobbies or career objectives.

The prospect – the guy that you are going to work for – is the customer.

You are the product – the product that is going to solve his problems.

Do Your Research

It's very important that you send your letter directly to your prospect, not to some anonymous paper shuffler in the Human Resources Department. You must do everything you can to find out who your prospective boss is so you can get your letter into his hands.

Once you've done that, you need to write a letter that sells your "customer" on the idea that you can make his life much easier and his business much better by hiring you. You can't just say it; you have to convince him of it.

To do that, you need to figure out specific ways that you can save him time, hassle, and waste – and, ultimately, boost his sales and improve profits.

Start by researching the industry. Then tackle a few specific companies.

 Research each company's history, its practices, and its products. Research its competition. Read the company's recent press releases and annual reports. Get in touch with employees, competitors, and/or industry analysts – and ask questions. Determine the company's goals, problems, and challenges. While you're at it, find out the secret to its growth.

The absolute minimum information you should have about a potential employer:

its annual sales (approximately)

its primary profit center (what really makes its money)

its greatest business strength

its greatest business weakness

While you're doing your research, find out what it takes to excel at the job you want. Look into what your prospective employer looks for when hiring entry-level people. And determine the tricks and skills the successful people in that field use to get to the top and stay there.

After you've looked into the business itself, find out about the person you want to work for. Figure out what he needs in order to make his own life better. Does he need someone who can improve his products? Reduce his costs? Increase his sales? Reduce the time he wastes following up on things? Find out what it is that he needs, even if you have to do so by making an informal "informational interview" with him to find out in person.

Once you know all you can about your prospective employer, you're ready to write your sales letter. The letter should tell him, respectfully and concisely, how you intend to help him achieve his objectives if he hires you. Remember, you are selling yourself. So treat this as an opportunity to sell him on your product: You. Be specific. Make strong promises.

Anatomy of a Great Job Application Letter

A great cover letter:

says something good about the company and the person you want to work for

lets your prospect know that you know his goals, problems, objectives, etc.

makes the claim that you are the person to solve/achieve them

proves that you are

requests a specific action (asks for the job)

If you write a great letter, you'll no doubt get a chance to prove to your prospective employer, face to face, that you're the right choice for the job. When you get the interview, show him that you are determined to work day and night – to be the best employee he's ever hired.

 (Ed. Note: The above article was adapted from Automatic Wealth for Grads, Michael Masterson's newest book.)

Today's Action Plan

Whether you're looking for your first job as a new graduate or for the next job that will move you closer to your long-term career goals, the approach outlined by Michael Masterson today applies.

Remember that your prospective employer wants you just as much as you want him. Every employer is hoping to find a superstar to make his life easier and his business more successful. As a future superstar, you are going to fill that role.

 Yes, do all the other, less important things during your interview – like dressing properly and giving him a good handshake. But never lose sight of the main idea: You are the product. And you are the salesman too. Sell your prospective employer on what he wants to be sold on … that you will improve his life.

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Reader Feedback: "I used so much of your advice in my own companies."

"I am a South African woman and I have been receiving ETR for the last 2 years. I just want to thank you for the excellent advice and guidelines that I have gained.

I am a working mom who works from home. (I run two businesses.) I used so much of your advice in my own companies (and) I got results that I was looking for. I am now financially successful and stable.

I enjoy reading ETR and putting it to work.

Regards,

L.C. Groenewald

The Olive Oil Scam, Part 2

By Jon Herring

On Saturday, I told you about the widespread fraud documented in the olive oil industry. Many European and U.S. producers – even some of the largest companies – regularly dilute extra virgin olive oil with cheap, unhealthy vegetable and seed oils.

To me, that's reason enough to avoid mass-produced olive oil. But there's another reason – and it has to do with the way it's processed.

The olives are pressed and then put through a centrifuge where they are continuously sprayed with hot water. This may increase the yield, but it also strips the oil of the water-soluble nutrients and antioxidants that make olive oil so healthy. In other words, factory-produced olive oil – even if it really is 100 percent extra virgin – is a pale imitation of what it should be.

The solution is to stick to olive oil made by small estate bottlers and family farms in the old world tradition. You can find many of these products online, in health food stores, and in gourmet shops. Not only will the oil taste much better … it will be MUCH better for you.

One more caveat: Avoid olive oils labeled "pure," "light," or "pomace." These oils are refined and processed, and provide no health benefits.

It's Good to Know: Garden "Watch"

Did you know that flowers can help you tell time?

Swedish botanist Carolus Linnaeus noted that certain flowers open and close at specific times of the day. This means that you can glance at your garden to get a general idea of what time it is. (By the way, flowers that open and close at fixed times – no matter the weather or the length of day – are called Aequinoctales.)

Some of the flowers to watch: Dandelions open around 5:00 or 6:00 a.m. and close around 2:00 or 3:00 in the afternoon. Water lilies open between 7:00 and 8:00 a.m. and close between 6:00 and 7:00 p.m. And poppies open at around 10:00 in the morning and close at 5:00 p.m.

(Source: Liz Welch, writing in Real Simple magazine)

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Word to the Wise: Pomace

"Pomace" (PUM-is) is the pulpy material that remains after oil or juice has been extracted from various fruits, nuts, and seeds. For instance … from olives in the production of olive oil, from grapes in the production of wine, and from apples in the production of cider. The word is derived from the Latin "poma" ("apple, fruit").

Example (as used by Jon today): "One more caveat: Avoid olive oils labeled 'pure,' 'light,' or 'pomace.' These oils are refined and processed, and provide no health benefits."

Michael
Masterson
Copyright ETR, LLC, 2006

Have a Question for Michael Masterson?

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Saturday, April 15, 2006
Message #1704

WEALTHY: Home buying for beginners (Michael Masterson)
HEALTHY: How "pure" is your olive oil?

WISE: Charlotte Whitton on boredom

ALSO IN THIS ISSUE:

7 reasons to stop reading that book! (Robert Ringer)

What to do when your computer freezes up

AAdd the word "congeries" to your vocabulary

* Highly Recommended *

Get People To Send You Their Money!

Like it or not, money is important in our society. You need to take wealth seriously for your spouse and your children. When you set up a profit generating program and make it a part of your life everything else will improve…

You'll be more confident…

You can say goodbye to money-related stress and embarrassment…

You can hold your head up knowing that the future is being taken care of…

Your lifestyle will be generally more enjoyable.

You owe it to yourself to look into this opportunity.

- Will Bonner

Dear Michael Masterson: "What can you do if you make less than $50,000 a year, want to own a home and live well?"

"In Message #1698, you advised your good friend VL not to buy a home now because the price will decrease significantly in the next few years in Florida. Will that be true everywhere?

"I have just begun to get my finances together. I've got one more credit card to pay off before I can actively start saving. By actively, I mean more than the $25-$50 I manage per check currently. I just started my 401(k), so I'm pretty much late all the way around.

"I am working with a substantially smaller nest egg than VL, but everywhere I turn these days people are urging me to buy some property before I get priced out of the market. I know I need to buy a home and that renting is a waste of money, but I will not be rushed into anything and then end up on fire later!

"What can you do if you make less than $50,000 a year, want to own a home and live well? I need some practical and experienced advice on how to save and invest, and what to consider when buying a first home."

- CW

Dear CW,

Thanks for your questions and comments. Let me address them one at a time:

1. "You advised your good friend VL not to buy a home now because the price will decrease significantly in the next few years in Florida. Will that be true everywhere?"

No, probably not. In past issues of ETR, I've noted that the current real estate bubble is a regional phenomenon, with most of the escalation taking place along the East and West Coasts – particularly in South Florida, New York, Washington, D.C., eastern Maryland and southern California. The escalation of property prices in these areas has already stopped and a decline is almost inevitable, particularly with condominiums.

In other areas of the country, where prices have not gone up very much in the past 10 years, it's reasonable to assume that they may edge up a little. In Chicago, for example, prices have been advancing pretty strongly for the past five to 10 years. Although it's possible that they could continue to go up, my best guess is that they will come down. So my advice for someone who is thinking of investing there would be the same as it was for VL: Stay out of the market until prices decline to 1995 to 2000 levels.

2. "I have just begun to get my finances together. I've got one more credit card to pay off before I can actively start saving. By actively, I mean more than the $25-$50 I manage per check currently. I just started my 401(k), so I'm pretty much late all the way around."

Good for you. Unless you were financing your education with credit cards, you should have never gotten into debt with them in the first place. Just to be sure you don't fall back, get rid of all of them except one. Do that today. Right now.

3. "I am working with a substantially smaller nest egg than VL, but everywhere I turn these days people are urging me to buy some property before I get priced out of the market. I know I need to buy a home and that renting is a waste of money, but I will not be rushed into anything and then end up on fire later!"

If I am right about the future of real estate prices, your friends are wrong. You won't get priced out of the market. Prices will come down. The smart alecks who bought property in the past couple of years (and especially those who bought pre-construction condos) are about to find out what it feels like to owe more money on a house than it is worth. You don't want to experience that. If you want to learn even more about real estate – and where the best deals are right now – take a look at Justin Ford's special report, Secret Sunbelt Cities.

4. "I know I need to buy a home and that renting is a waste of money, but I will not be rushed into anything and then end up on fire later!"

Your instinct is right. Don't be rushed. You don't need to buy a home now or any time soon. Renting is not always a waste of money. At some times and in some places (like today in the bubble zones), it's cheaper and more cost effective to rent and invest the money you save on interest payments, HOA fees, home maintenance, taxes, and insurance. That can easily add up to thousands of dollars a year. That kind of money might be much better off in an index fund.

5. "What can you do if you make less than $50,000 a year, want to own a home and live well? I need some practical and experienced advice on how to save and invest, and what to consider when buying a first home."

It just so happens that John Wiley has just published my new book – and it is exactly on this subject. It's called Automatic Wealth for Grads and Anyone Else Just Starting Out. In it, I give my best recommendations for becoming wealthy – at a nice, easy pace – by boosting your income, investing wisely, and using the power of compound interest over time.

I'm sending copies to every young person I know. The $20 you invest in a copy will pay you back at least a thousand times over. And that's a promise you can count on.

- Michael Masterson

"Boredom is like a pitiless zooming in on the epidermis of time. Every instant is dilated and magnified like the pores of the face."

- Charlotte Whitton

Escape From Book Boredom

By Robert Ringer

The number of books that I've started to read over the years is in the thousands, but the number of books I've actually finished is only a small percentage of that number.

There are multiple reasons why I don't finish most of the books that I start – some of the more important of which I'd like to share with you here.

If you're a serious reader, what I have to say may help to free you from the guilt-induced motivation to finish books just for the sake of finishing them. And if you're a writer (or want to become be one), my words should be of value to you when it comes to honing your craft. I say this because the very factors that make me give up on a book early include some of the important ones that every author should focus on when he writes.

1. A long introduction

Nothing is more off-putting to me than a lengthy introduction. An introduction should be nothing more than a brief overview of what a book is about or a few paragraphs to help orient the reader to the material that lies ahead.

Heck, if the introduction needs to be a dozen pages in length, why not just call it "Chapter 1"?

2. Taking too long to get to the good stuff

Louis L'Amour, the late and legendary author of so many classic western novels, once advised writers to begin every book in the middle of the story. In other words, cut to the chase and get right to the action. (Not bad advice for copywriters, either.)

People are impatient – especially in this day and age of the Internet. If I have to labor through the first few chapters of a book, I'll usually close it – never to be opened again. In the old days, when I felt a moral compulsion to finish every book I started, I found that when a book was a dud in the first few chapters, it almost never became better.

3. Lack of entertainment value

I've bought, but never finished, some of the best-known books ever published. In many cases, the chief cause of my non-finish was that the books were dull – often excruciatingly so.

If you aspire to be a writer, you can add a lot of spice to your writing by consciously trying to lighten up a bit. I'm not saying that you have to inject knee-slapping humor into your work. In fact, the best humor is subtle.

But it's not about humor; it's about entertainment. You can be entertaining without being funny. Don't be afraid to be sardonic, sarcastic (without overdoing it, of course), or metaphorical. Clever analogies can also be very entertaining. The bottom line is that if I'm bored after a few chapters, the author is in danger of losing me.

4. Long paragraphs

As a general rule, keep your paragraphs two-to-four sentences in length. There's nothing more discouraging to a reader than staring at a huge block of text that covers half the page – or, in extreme cases, the entire page.

5. Too hard to understand

Many authors who have a world of knowledge also have a tendency to write so far above the head of the average reader that he loses him. Sometimes, the writing can be so difficult to understand that I sense affectation. And nothing turns off a reader more than affectation – unless he happens to be an ivory-tower type.

Though I deplore his politics, I am compelled to say that Thomas Friedman (The Lexus and the Olive Tree and The World Is Flat) is an excellent example of an intellectual who has the ability to convey an extraordinary amount of knowledge in an easy-to-understand, entertaining style. During much of the last century, intellectual giants Will Durant, Eric Hoffer, and Peter Drucker all displayed an uncanny knack for sharing the most profound thoughts and insights in ways that the average reader could both understand and enjoy.

6. Repetition

Have you ever read a book where, after four or five chapters, you start thinking, "Am I crazy, or have I already read this?" The reason is because the author keeps repeating the same thing over… and over … and over again.

Hey, if the guy didn't have a whole book in him before he started, he shouldn't have tried to pass it off as one.

If you're a writer, don't expect the reader to stay with you if you've said all you have to say in the first few chapters. If you want to write a book, wait until you've pulled together enough material for a real book – not just one chapter.

7. Straying from the main point

To a great extent, this is the polar opposite of too much repetition.

I recently started reading a book that really grabbed my attention. In fact, I rated it a "10" through the first few chapters. But beginning about Chapter 4, the book began to stray dramatically from its purported main topic. After four or five more chapters, I completely lost interest. I'm not certain whether it was affectation, ignorance, or a lack of material regarding the main subject of the book, but the author meandered from subject to subject like a drunken sailor. (Actually, make that a drunken author.)

I could name a number of other reasons why I often give short shrift to books – but in most cases, it's because of one or more of the above reasons.

The two most important points you should take away from my list are these:

If a book doesn't grab you in the first few chapters, don't intimidate yourself into believing that you have some sort of moral obligation to trudge your way through to the last page. My philosophy is that if a reader doesn't like my book, it's not his fault; it's mine. I feel it's a call to arms for me to do a better job the next time around.

If you're writing a book, or plan to do so, keep the above points in mind as you do your outlining and writing. And don't be shy about adding more of your own rules to the list I've offered in this article.

Today's Action Plan

Robert Ringer has never publicly told the full story of how he self-published three of his books to #1 best-seller status – but he's finally going to do it in a three-part teleseminar series beginning May 30. These teleseminars are going to cover everything from how to come up with an idea for a book … to Robert's unorthodox approach to outlining (and why it makes writing a book much easier) … to his most treasured writing rules … to every aspect of self-publishing and self-marketing … and much more. And on all three of these hour-long calls, his guest will be Dan Poynter, arguably the most knowledgeable publishing/self-publishing expert in the world.

If you have even the slightest interest in writing and/or publishing, you won't want to miss out on this opportunity.

The details are still being worked out, so you can't sign up for these calls right now. What you can do is let Robert know if you think you might have an interest in participating in the event. This will help him and Dan in their planning, because (among other things) the greater the number of attendees that they expect, the lower the price will be.

All you have to do is e-mail support@robertringer.com and say: "I'm interested."

Of course, this does not obligate you in any way. You can make a final decision as to whether or not you wish to sign up when the teleseminar series is officially advertised.

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The Olive Oil Scam, Part 1

By Jon Herring

Olive oil is one of the healthiest fats you can consume. However, there's a good chance the bottle in your kitchen is not what you think it is.

Cold-pressed extra virgin olive oil (the most healthful kind) is extracted without the use of heat or chemicals. It is expensive to produce and, with booming demand, there is a strong incentive for fraud. Olive oil can be easily diluted with cheap, highly refined canola, corn, soy, or cottonseed oils (all of which promote heart disease). And extra virgin olive oil is sometimes cut with hazelnut oil or plain old refined olive oil. Though these don't have the negative health consequences of the vegetable oils, neither do they have the benefits of 100 percent extra virgin olive oil.

When I first heard about the "olive oil scam," I decided to look into it further to see how widespread the practice is. Here's some of what I learned:

In 1996, the FDA conducted an olive oil purity study and found that only 4 percent of 73 brands tested contained 100 percent olive oil.

Two studies conducted more recently in Italy and Great Britain found that 6 out of 10 brands were diluted with other oils.

Both Italy and California "produce" more olive oil each year than they could possibly produce from the available olives.

If you want to be sure you're getting 100 percent extra virgin, cold-pressed olive oil, pay attention to the price. "Cheap" olive oil that claims "extra virgin" status is likely to be chemically extracted … and may not even be 100 percent olive oil. Two brands that I know to be of very high quality are Bariani and Figueroa Farms.

Stay tuned. On Monday, I'll share another tip on how to choose the healthiest olive oil.

It's Good to Know: Computer Basics

What to Do When Your Computer Freezes Up

Anybody who has ever worked on a computer knows the feeling. All off a sudden, the program you are working on is no longer responding. You press the keys on your keyboard, drag and click the mouse – but nothing. Before you panic, here is a quick and easy solution that works for most computer hang-ups.

Press and hold (for a moment) all three of these keys at the same time: <Alt> <Ctrl> and <delete>

The Windows Task Manager will appear. Under the Application tab, you can see which programs are running and which ones are not responding.

End any programs that are not responding through the Task Manager menu. That usually solves the problem. If you were not able to save a document before ending the program through Task Manager, it will automatically be restored the next time you open it in Microsoft Word.

[Ed. Note: This tip comes to us from AWAI's new special report, Computer Basics: A Step-by-Step Guide to Learning Computer Basics the Fun and Easy Way.]

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Word to the Wise: Congeries

A "congeries" (KON-juh-reez) – Latin for "a heap" – is another way of saying "a collection."

Example (as used by Jeffrey Meyers in Bogart: A Life in Hollywood): "William Rothenstein described the Academie as a 'congeries of studios crowded with students, the walls thick with palette scrapings, hot, airless and extremely noisy.'"

Michael
Masterson
Copyright ETR, LLC, 2006

Have a Question for Michael Masterson?

Want to know the secrets to his success? Have a perplexing business problem? ETR welcomes your thoughts. Post them online at  http://speakoutforum.com/forum/

or send questions directly to Support@EarlyToRise.Com

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101 et seq., Title 18 U.S.C. Section 2319}: Infringements
can be punishable by up to 5 years in prison and $250,000
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www.earlytorise.com
Friday, April 14, 2006
Message #1703

WEALTHY: Cashing in on the rebound (Andrew Gordon)
HEALTHY: An unexpected cancer-fighter
WISE: Judy Tenuta on procrastinating

ALSO IN THIS ISSUE:

The art of "no-regrets" mentoring (Michael Masterson)

Learning about yourself from your website (Ilise Benun)

Add the word "irenic" to your vocabulary

* Highly Recommended *

You Deserve Answers…And Now You're Going to Get Them

If you haven't gained the wealth you crave, you need to do something differently.

Why? Because all change, all progress begins with a single decision, a single action.

Are you ready to seize the final piece of the puzzle? The missing ingredient to coast you all the way to financial freedom? You deserve answers and now you're going to get them.

In just 30 days from today your life could be in an entirely different place. Don't delay.

– Charlie Byrne

"My mother always told me I wouldn't amount to anything because I procrastinate. I said, 'Just wait.'"

- Judy Tenuta

Finding 800 Percent Gains With Little Risk

By Andrew Gordon

Today, I will tell you how to catch lightning in a bottle. This is a technique you can use over and over again. I discovered it myself gradually – but this logic became crystal-clear to me with Crescent, a real estate investment trust (REIT) that caught my attention about a year ago.

Crescent had outstanding value numbers, including a low price-to-earnings (P/E) ratio, big margins, and a good cash flow. But what I really liked about it was that its price had dropped about 40 percent from its peak. So – after doing my research – I selected the stock and saw the company's price increase … 13 percent that month … 11 percent the next month … and it just kept on climbing.
                     
Recommending an investment in this company didn't take blind faith or nerves of steel. From my research, I knew that it had put its problems behind it (mainly by welcoming back its original CEO). And it wasn't hard for me to anticipate the company's resurgence, because I understood that – with companies that have been beaten down – Wall Street eventually recognizes that they have rediscovered how to use the assets that made them so successful in the first place.

A big part of investing is choosing the right company at the right price point. The time to buy Google, for example, has come and gone. Last year, the right company. This year, the wrong company.

Take, for instance, Warren Buffett's Berkshire Hathaway company. If you'd invested in Berkshire in 1965, you would have made 1,900 times your money by now.

Berkshire's stock investments comprise one of the best-known portfolios around. But its huge success has to do with more than just good timing. Unlike many investors who sweat over the precise timing of when to jump into a stock, Berkshire focuses on finding the right companies at the right price. The timing takes care of itself.

Look at the huge gains Berkshire made in so many companies (American Express and Moody's are two that made long, steep climbs while they were part of the Berkshire portfolio) and you'll instantly realize that it doesn't really matter that Berkshire could have done even better had it bought a particular stock two months earlier or two months later.

You usually don't have to wait for the stock to bottom out – or to bottom out and begin to turn around – as long as you like the company's fundamentals, management, and growth plan.

But there's one big exception to this rule. When a stock has taken a monumental dive – losing more than half its peak value – you need to approach it with extra caution. And you should wait for the stock price to turn back up before you take any action.

With companies that have had enormous drops, even this cautionary step is not enough. Such a dramatic fall signifies a serious problem. It could be an accounting scandal, a CEO on the take, diminishing revenues or profits, products with outdated technology, or just plain bad publicity.

Even when you wait for a stock to go back up, it's possible that its rise could be based on temporary good news. If so, the stock's improvement could be temporary too.

So why bother with such companies if they're so risky?

Because if you can be sure a company that has fallen on hard times has taken care of whatever problems it's been facing … that its price turn-up isn't just a "dead cat's bounce" … then congratulations are in order. You've just caught lightning in a bottle.

Let's say a company's shares drop from $50 to $2 and then click up to $4. At $4, you can be much more certain than you could have been at $2 that its problems are now part of the past. You may have missed out on the initial 100 percent gain, but now – at much less risk – you can easily ride the stock as it surges up to $10 (or perhaps much higher). From $4 to $10, you've still made a 150 percent gain. And if your stock rises to $40 – still $10 off its peak – you've made an 800 percent gain.

Borrowing some of Berkshire's most conservative investment principles and using them to X-ray a group of companies straining at the bit to regain their former glory … to separate the diseased from the fully recovered, and then ride those healthy, reinvigorated companies as they surge to new heights … is the surest and safest way to make remarkable returns. (And, by the way, with The Wealth Advantage – the new investment service that I'm offering to all ETR readers – I'll be doing all the work for you.)

Getting back to Berkshire …

Berkshire's portfolio of 33 stocks (worth $42.7 billion) was bought over a long period of time. It began buying shares of its "big four" companies – American Express, Coca-Cola, Gillette, and Wells Fargo – back in 1988. But a stock bought 10 or 15 years ago is ancient history. And one purchased 1-2 years ago (again, think Google) might as well be ancient history.

Of those 33 stocks, five are relatively new investments: Home Depot (HD), Lexmark International (LXK), Tyco International (TYC), Anheuser-Busch (BUD), and Kingfisher (KGFHY).

Please don't go rushing out to buy these companies. Only one of them is worth considering. (More on that in a second.) The Anheuser-Busch stock, for example, has shown surprising weakness since Berkshire bought it. And there are problems with three others.

Over the last 25 years, Berkshire's portfolio has lost money in just three stocks. In that span, it averaged an annual return of 20.3 percent compared to the S&P 500's average of 13.5 percent.

But listing the remaining 27 stocks in the Berkshire portfolio isn't going to do you much good … except to satisfy a curiosity about which stocks are in this top-performing portfolio. None of these companies offer outsized returns sooner rather than later.

The 20.3 percent annual return that the Berkshire portfolio has averaged is very impressive. But for even better gains – much better gains – the way to play this game is as follows:

* Look for new people and strong ideas. I just don't believe it when the old management team says they got religion and they can resurrect the company.

* Make sure the company operates in an exciting market. A surging market helps upside. And it makes it easier for a company with something to offer to grab market share.

* Uncover a potential for huge profit. An idea, product, technology, asset – the company should have SOMETHING up its sleeve that can pay off really big.

Searching for companies outside of Berkshire's portfolio with the above three things in mind, I've come up with three probable lightning strikes.

One company is a multi-billion-dollar technology firm in the making … and yet its market cap is less than $90 million. The company was brought down by a combination of bad management moves and the tech crash. It now has a new CEO who is a proven turn-around artist. The company has more than 100 patents (more than one of which has billion-dollar applications).

Another company – this one is in real estate – had record-breaking earnings last year. Yet the stock fell more than 50 percent between September and March of this year – in part on fears of the "real estate bubble." But demand for its products greatly outstrips supply, and the majority owner of this company thinks it is such a screaming bargain that he wants to buy the whole thing. This company could easily double in price in the coming months.

The third company is no stranger to success. Microsoft, Apple, Sony, Yahoo, Napster, TiVo, and Walt Disney are all collaborating with it. And it has grown earnings by 20 percent or more for longer than a decade. And yet … since the beginning of 2004, the share price has fallen more than 44 percent. The company has NEVER had a lower valuation than it does right now, and its prospects have never been greater. If its shares were priced in accordance with the real value of its assets, they would go up more than eight times current levels.

These three companies have the very real potential of giving you up to 1,000 percent returns on your investment. You can read more about them in a special free report. You get the report when you join our new elite investment service – The Wealth Advantage – which will show you how to invest like Warren Buffett … but with a much higher upside.

Today's Action Plan

Whether or not you choose to invest in Andrew's stock selections, make sure you follow the advice he gave today when building your own portfolio.

A company that took a nosedive and has rebounded with strong fundamentals and solid management could have enormous growth potential.

* Advertisement *

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Reader Feedback: "I cannot absorb the wealth of information quick enough."

Dear Michael Masterson,

If your new book, Automatic Wealth for Grads, is anything like Automatic Wealth and Power and Persuasion, I think graduates will appreciate receiving all three books as graduation gifts.

I am still reading my copy of Power and Persuasion and will be adding it to my Amazon.com book reviews when I finish. You are one of my favorite authors. I have found your viewpoints to be very similar to my opinions, and I think it's amazing how you are able to put into words what I have learned and believed for years.

Keep up the good work. I am rebuilding my library and cannot absorb the wealth of information quick enough.

Girard F. Bolton, III
Mobile, AL

A Cancer Killer in the Kitchen

By Jon Herring

The powerful healing effects of ginger have been well documented. It's a proven remedy for upset stomach. Reams of studies show that it inhibits inflammation. And there is substantial evidence that it fights cancer too.

For instance, a recent University of Michigan study showed that when ginger was added to ovarian cancer cells in the laboratory, it caused the cancer cells to self-destruct (a process known as "apoptosis"). In a separate study at the University of Minnesota, researchers injected colon cancer cells into mice that were bred to have no immune system. Half of these mice were routinely fed gingerol, the main active component in ginger. The researchers found that the mice that were fed gingerol lived longer, their tumors were smaller, and the cancer did not spread as widely as in the control group.

With all these health benefits, you should be using ginger as often as you can. The best way I've found to get a healthy serving of ginger is to juice it. (The brand of juicer I use is an Omega.) Two or three days a week, I juice an apple or two, some carrots, spinach, broccoli, cabbage, and a big piece of ginger root. The ginger gives the drink a great flavor and a powerful anti-cancer kick. I highly recommend that you try it.

Are You as "User-Friendly" as a Good Website?

By Ilise Benun

I've been thinking about what makes a website "user-friendly" … and how those same characteristics can apply to people. Here's what I mean:

On a user-friendly website, it's obvious what is "clickable."

What about you? When you speak to others, are the words you use clickable – openings for further conversation? Or do they stop conversation in its tracks?

On a user-friendly website, text, images, actions, and layout are consistent from one page to another, thereby instilling trust in the user.

Are you consistent (and reliable) from one day to another?

On a user-friendly website, any action you take is acknowledged and you get feedback.

Do you give other people feedback? Or are you silent and unresponsive?

On a user-friendly website, your personal information only needs to be entered once; the site remembers it.

Do you remember personal information about people you meet – especially their names?
 
Being user-friendly requires you to think about other people, shifting the focus away from yourself. This is an excellent marketing strategy – and an excellent strategy in terms of personal relationships.

[Ed Note: Ilise Benun is a frequent contributor to ETR. Check out her new program, "Effective Networking: The Fastest Way to Win Clients and Grow Your Business"].

Notes From Michael Masterson's Journal: Recognizing the Potential of a Soon-to-Be-Great Employee

When you replace a mediocre employee with a very good one, you rejoice because your prayers have been answered. When you lose a good employee, it hurts – especially if you didn't realize what you were losing.

PS, a colleague of mine in the publishing business, lured a copywriter from us several years ago. When this young man was working for us he was good and getting better. What I didn't realize at the time, but found out later, was that he was just about to advance from better to really great.

PS credits this fellow with a great deal of the multi-million-dollar success he's had.

I keep that in mind when I mentor young people today. I ask myself: "Is this person about to acquire a financially valuable skill? Is he/she about to advance to a higher, more productive level?"

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Word to the Wise: Irenic

Something that is "irenic" (eye-REN-ik) promotes peace. It is derived from the Greek "eirenikos."

Example (as used in an article in the London Times): "[The Right Reverend John Taylor] was always irenic by temperament and desire, and his sensitivity to others enabled him to bring together and work with people of very diverse views."

Michael
Masterson
Copyright ETR, LLC, 2006

Have a Question for Michael Masterson?

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www.earlytorise.com
Thursday, April 13, 2006
Message #1702

WEALTHY:
Throwing the money snowball (Michael
Masterson)
HEALTHY:
The worst way to start a fitness program
WISE:
George Bernard Shaw on youth

ALSO
IN THIS ISSUE:

5
ideas to increase your productivity (Bob Bly)

Two
better, cheaper, resources for writers (Will Newman)

Add
the word "pervicacious" to your vocabulary

*
Highly Recommended *

How
Many Automatic Income Streams Can YOU Handle?

The
Internet has now come of age as the most incredible marketing
tool in history.

Think
about it for a moment… It's possible to spend no more than
a fiver, write a couple of basic ads, and have instant access
to over millions of potential customers all in a matter of
minutes!

This
has created a real 'sink or swim' situation. Those who master
Internet secrets will profit massively. Those who don't are
simply doomed to sit on the sidelines and watch others make
the real money.

Jim
Sheridan’s plan banked him $187,296 in one day. The
great news is – you can copy Jim’s plan exactly. The
program is called Instant Internet Income and I guarantee
it does exactly what it says it does.

Take
a look at how Jim brought in over $175,000 in a single
day!

-
Patrick Coffey

"Youth
is a wonderful thing. What a crime to waste it on children."

 -
George Bernard Shaw

 Starting
Young – The Miracle of Compound Interest

By
Michael Masterson

If
you take a penny and double it every day for a month, how
much would you end up with? A hundred dollars? A thousand
dollars? How about a million dollars?

Not
even close.

If
you start with just a single penny and double it every day
for 31 days, you end up with … $21,474,836.48. More than
21 million dollars in a single month!

This
is an example of the power of compound interest.

The
original penny turned into two, but then those two turned
into four, and the four turned into eight, and so on. The
growth of your money sped up because not only was your original
penny collecting interest – but all the pennies you received
as interest also began to earn interest. And so the growth
built up … or compounded.

That's
how you get the term "compound interest."

And
that's how, by saving and investing over a long period of
time, you can get rich.

I
wrote Automatic
Wealth for people who want to get wealthy
in a relatively short period of time – seven to 15 years.
But not everyone needs such an accelerated program. If you're
young and just starting out on your wealth-building career,
you can take the leisurely approach by putting "the
miracle" of compound interest to work for you. That's
the idea behind my latest book, Automatic
Wealth for Graduates.

As
I explain in Automatic
Wealth for Graduates, there are three
components to compound interest:

1.
How much you invest.

2.
What return you get on your investment.

3.
How many years you stay invested.

For
the miracle of compound interest to work its wonders, you
need 30 or 40 years of savings. So, today, let's assume that
you are in your twenties (or that you know someone who is
that you can pass this information along to). And let's take
a look at this "automatic" road to financial independence.

Start
Saving Right Now

To
take full advantage of the miracle of compound interest,
you must begin to save and invest immediately – as soon as
you start earning an income. I recommend that you set an
aggressive goal for yourself: to save 15 percent of your
pre-tax income.

Saving
15 percent of your income when you are just starting out
might seem like a challenge. And it is. But if you are willing
to make some reasonable sacrifices (such as sharing an apartment,
driving a used car, and shopping for bargains), you'll be
able to do it.

What
you earn on your savings depends on what type of investing
you do. If you invest in the stock market – which is the
way most people invest – you can expect to make between 10
percent and 13 percent on your money. (Stock market historians
will tell you that if you go back to the beginning of the
20th century, the average ROI – return on investment – of
the market has been about 10 percent. But there was also
a long stretch – from 1950 to 2000 – when it returned 13.2
percent.)

Now
let's say that, with your first job, you start earning the
average salary made by all college grads when they get out
of school. According to the National Association of Colleges
and Employers, that's $30,337 a year. And let's say that
you are good at your job, so you get a consistent annual
raise of 4 percent. So you'd be making $43,179 a year 10
years from now, and $140,046 in 40 years. This means that
you will not only be making more money, you will also be
saving more money.

If
you consistently – that means every year – deposit 15 percent
of your income into investments, compound interest will begin
to accumulate like you wouldn't believe.

Just
by investing 15 percent of your income and having a very
ordinary income-earning life, you'd be worth about $5.5 million
at 65 when you are ready to retire. If you decided to work
an extra 10 years, till you were 75, you'd be worth $15 million!

Now
let's take a look at the same situation with only one difference:
Let's assume you are able to get that ROI of 13 percent.
That would bring your net worth up to $15 million by the
time you are 65. And if you keep saving till you are 75,
you'd be worth 50 million bucks!

I
know these numbers seem incredible, but we are just warming
up.

Now
let's assume that you become a savvy investor and earn 18
percent on your savings. In that case, you'd be worth a million
at 41, $6 million at 51, $15 million at 56, $35 million at
61, and $200 million by the time you are 71!

Mindboggling
… but True

I'm
presuming you are blown away, as I am every time I look at
numbers like these. The skeptic in me jumps out and challenges
the assumptions as they apply to the three components of
compound interest:

1.
How much you invest.

Are
the invested amounts realistic? In my opinion, they are conservative.
Anyone with discipline can learn to save 15 percent of his
income.

2.
How long you invest.

That
is not a debatable point. It's simply a matter of mathematics.
Compound interest becomes miraculous after about 30 years
of investing. That's why it is so important – and why you
have such a great advantage – when you start young.

3.
What ROI you get.

You
may not be able to earn 18 percent on your stocks throughout
your career. But if you learn how to invest in local real
estate – which is something you can do even now in a highly
overvalued real estate market – you can expect to earn about
30 percent on that. And if you start your own successful
business one day, you may well see investment returns of
50 percent or more over time.

Putting
aside, for the moment, the 50 percent-plus returns you could
hope to get by starting your own business, let's see what
would happen if you (1) invested a portion of your savings
in stocks, and got only a 10 percent return, and (2) invested
a portion in real estate, where you averaged, with leverage,
the expected 30 percent ROI. (Again, we will assume you start
with an ordinary income that increases at an ordinary rate
and that you save 15 percent of it.)

If
we add the interest of both investments together, you will
reach $2 million dollars before your 41st birthday. If you
still choose to continue to work and retire at 65, your investments
will have bloomed to approximately $1.1 billion. And at age
76, you will have over $21 billion in accumulated interest.

Right
about now, you may be wondering, "If it's so easy to
amass such a fortune, then why isn't everyone rich?"

The
answer is: Almost no one does what I suggest. No one puts
away a consistent amount of their income. Nor do they start
young. Nor do they stay invested in a consistently conservative
portfolio of stocks and real estate. But the people who do
it DO become this wealthy.

The
Snowball (or "Doughball") Effect

As
your income increases, if you maintain your lifestyle (increasing
your spending but not by too much), you'll get wealthier
faster because you will save more. By taking steps to drastically
improve your income and consistently invest 15 percent or
more, you will retire a multimillionaire.

Compound
interest begins to work right away. The second year, you're
already making more interest than the first year … even
though you're always receiving the same interest rate. The
third year, you're making more than the second year. And
so on. As a result of the compounding, your investment grows
geometrically over time – like a snowball rolling down a
hill, becoming bigger and bigger.

The
longer you stay the course, the greater the wealth build-up
becomes. And the sooner you start, the better.

Time
Is on Your Side

With
a beginning salary of $30,337, you'll see about $22,500 in
after-tax income. Before you do anything else, put 15 percent
of your gross income ($4,500) into conservative stock investments.
That leaves you with about $18K to live on – about $1,500
a month. Not a lot. But if you are careful about curbing
your spending, you won't have any trouble.

You
can pay $750 for rent. You may have to split an apartment,
but living with other people can be a great experience. You
may end up living with a friend who is in much the same position
that you are. Maybe you work at similar jobs. Maybe your
friend even makes a few thousand dollars more than you do.
He might wear fancier clothes. He might spend more on entertainment.
He might have a new car. But you'll be the one who is able
to retire comfortably at a relatively young age. And he may
be forced to continue working long into his old age.

How
can two people who make the same income end up in such different
positions? The difference is, your friend isn't saving anything.
The difference is, you'll be able to retire $13 million richer
than your friend … because, when you were young, you began
to consistently, religiously invest 15 percent or more of
your income.

(Ed.
Note: The above article was adapted from Automatic
Wealth for Graduates, Michael Masterson's
newest book.

Today's
Action Plan

If
you're young enough to take advantage of the "miracle" of
compound interest, start saving … today.

Even
if you are living from paycheck to paycheck, you must start
your saving program now. You must get your hands on some
amount of money and invest it immediately. Aim for 15 percent
of your gross income. If you don't have that much cash, put
away as much as you possibly can.

By
starting now, even if your income is small, you will create
the habit of saving. When saving becomes habitual,
it becomes easier. And anything that you can do easily, you'll
do better, more often, and longer-term. The result, over
time, will be significant compounding wealth.

*
Advertisement *

How
To STOP Uncle Sam From Cheating You Out Of $55,909 this
April 15th (and instantly turn
it into a $279,545 asset)

Greg
W. could have kept quiet and handed over $55,909 in taxes
that he didn’t even owe.  But instead, he took
advantage of a little-known (but entirely legal) tax
loophole that specifically helps investors keep
their income and grow their money faster.  Click
here to learn more.

The
Safest (and Fastest) Way to Shape Up

By
Jon Herring

Spring
has arrived. And for many people, that means renewing a New
Year's resolution to get back into shape. Starting a fitness
program seems simple enough. Just throw on your running shoes
and head out the door, right? Well, not so fast. In fact,
launching into a "cardio" program could be the
worst place to start.

If
you are out of shape and overweight, repetitive daily exercise,
such as running, could predispose you to muscle and joint
injuries. So instead of helping you get fit, plunging headlong
into a cardio program could knock you right out of your fitness
program before you even start to achieve health benefits.

If
you are out of shape and want to get started on the road
to fitness, here's what you should do instead:

Alternate
between several low-impact activities. Rowing, cycling, swimming,
or walking on a steep incline would all be good choices.
When you do these exercises, engage in brief intervals of
high-intensity exertion, followed by brief periods of rest.
Then repeat six or seven times.

The
low-impact exercises will save your joints and muscles from
injury, and the interval training will get you in better
shape (and faster) than you would achieve with longer duration,
lower intensity cardio. For more on interval training, read "The
World's Most Powerful Workout" in Message #1471.

5
Ways to Get More Done in Less Time

By
Bob Bly

1.   Master
your PC.

Using
a modern PC with the latest software can double, triple,
or even quadruple your output.

2.
Don't be a perfectionist.

That
doesn't mean you deliberately make errors or give less than
your best. It means you stop polishing and fiddling with
the job when it looks good to you. Create it, check it, then
let it go.

3.
Free yourself from the pressure to be an innovator.

 Don't
worry about whether what you are doing is different or better
than what others have done before you. Just do the best you
can. That will be enough.

 4.
Protect and value your time.

Productive
people guard their time more heavily than the gold in Fort
Knox . They don't waste time. They get right to the point.
They choose who they spend time on and with. They make decisions.
They say what needs to be said, do what needs to be done
– and then move on.

5.
Stay focused.

Successful
people apply themselves to the task at hand. They work until
the work gets done. They concentrate on one or two things
at a time. They don't go in a hundred different directions.

(Ed.
Note: Bob Bly is a popular Early to Rise columnist, self-made
multi-millionaire, and the author of more than 60 books,
including The
Complete Idiot's Guide to Direct Marketing and The
Copywriter's Handbook

He
is also the editor of ETR's
Direct Marketing University: The Masters Edition -
a program to help you start your own successful direct-mail
business.)

Quick
Tip: 2 Books That Belong on Every Writer's Bookshelf

By
Will Newman

Robert
Fiske's Thesaurus
of Alternatives to Worn-Out Words and Phrases is
an excellent resource to help you avoid using cliches in
your writing. And if you already own a copy … good for
you. But the book is expensive. It goes for $148 on Amazon.
Don't pay that price! Fiske, has produced two newer books
that include even more words and phrases:

1. Dimwit's
Dictionary: 5,000 Overused Words and Phrases and
Alternatives to Them – which
has more detailed descriptions of what to avoid than
are given in the book below.

2. Dictionary
of Concise Writing: 10,000 Alternatives to Wordy
Phrases – which has more words
than the book above, but fewer detailed entries for
each one.

You
don't need to buy both books. Either one would be a good
addition to your bookshelf.

(Ed.
Note: Will Newman, a regular contributor to ETR, is editor
of AWAI's The
Golden Thread online newsletter -
a free weekly alert loaded with marketing secrets, tips,
and insights.)

*
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Word
to the Wise: Pervicacious

People
who are "pervicacious" (pur-vih-KAY-shus)
are stubborn, refusing to change their ideas/behaviors.
The word is derived from the Latin "pervicax."

Example
(as used by Michael Hawley in a Technology Review article
titled "Things That Matter: Waiting for Linguistic
Viagra"): "In fact, I'm a word nerd. I get a
kick out of tossing a few odd ones into my column, just
to see if the pervicacious editors will weed them out."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at  http://speakoutforum.com/forum/

or
send questions directly to Support@EarlyToRise.Com

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.
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that Early to Rise gets delivered to your email box,
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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.)

_____

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_____

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: 1-866-344-7200

www.earlytorise.com
Wednesday, April 12, 2006
Message #1701

WEALTHY:
You are offering fries, aren't you? (Yanik Silver)

HEALTHY:
Shedding light on the subject of cataracts

WISE:
Jim Rohn on life-changing ideas

ALSO
IN THIS ISSUE:

The
surest way to profitability (Michael
Masterson)

Strength
training for your brain

Add "mea
culpa" to your vocabulary

*
Highly Recommended *

Dear
ETR Readers,

Last week,
I was engaged in an e-mail dialog with my colleague David
Deutsch that I'd like to share with you. He's developed a
simple, step-by-step approach to creative problem solving
that yields positive results every time. Michael Masterson
has written many times that one of the keys to financial
and personal success is the ability to consistently come
up with good ideas. Master that skill, and you can write
your own ticket in virtually any endeavor.

David's
program will show you exactly how to do just that.

If you're
interested in turning yourself into an endless source
of powerful (and rewarding) ideas, check out what he
has to say.

Click
here to read more.

-
Charlie Byrne

"Ideas
can be life-changing. Sometimes all you need to open
the door is just one more good idea."

-
Jim Rohn

3
Overlooked Profit Opportunities on Your Website

By
Yanik Silver

If
you're already selling anything online, this article is going
to show you how to add extra revenue you didn't even know
you had "hiding" in your website.

Overlooked
Way #1: The Upsell

If
you've been in marketing for any time, you've probably heard
of "upsells," "cross-sells," or "bumps." Car
dealers are excellent at using this technique. Once you have
agreed to buy a car, you go into the finance office – another
place where they try to extract as much money as possible
from you. Dealer financing, extended warranties, rust coating,
a LoJack security system – these additions can represent
as much, or more, profit to the dealer as the original sale.

For
another good example, consider late-night infomercials. Often,
they offer an upsell along with your purchase. For instance,
you'll get a special deal on the third bottle of Super Grime
Cleaner if you buy 2 bottles. And, again, this usually brings
in more profit than the original sale.

And
you can do the same online.

This
little "magic trick" can instantly increase your
profits – even without getting any additional website visitors.
It works great because your prospect is all hot and heavy
and ready to buy. He's got his credit card in his hand and
he's already made the commitment … and then you hit him
with the upsell.

Here
are a couple of ways that I've successfully used upsells
on my sites:

1.
Put the upsell on an "intermediary" page.

Once
prospects click on your order button, they're taken to a
new page (and not to the order form). This page tells them
about a special "today only" offer – perhaps a "deluxe" or "gold" version
of the package for X dollars more. You can make the upsell
a big dollar amount or a small insignificant little "bump." I
do this on www.Instantsalesletters.com and
my upsell numbers have been as high as 68 percent using this
technique.

Another
way of doing this is by "recommending" a product.
Any time you buy something from Amazon, that's exactly what
they do. Up comes a page that says, "Customers who bought
X also bought Y" – and then you see a slew of additional
products for you to purchase.

2.
Put the upsell right on the order page.

I've
done something as simple as putting a check box on my order
form. With this technique, we get a 25 percent upsell rate.
Right after the customer has filled out his contact information,
he can check the box for the upsell: "You can get this
special Y for only $X if you order now."

You
have to play fair and let people get the original price and
package you offered – but there's no reason not to add a
complementary upsell immediately. This is like the "Would
you like fries with that?" strategy. Unless you're offering "fries," you're
missing out on tons and tons of profit. You simply need to
come up with one or two more compelling bonuses or packages
that customers will get for the upgrade.

Overlooked
Way #2: Thank-You Pages

After
upsells, I'd say "thank-you" pages are one of the
most overlooked profit hotspots. Once again, there are several
ways to use this technique. First of all, anytime somebody
buys a product from you online, you should direct them to
some kind of thank-you page where you give them a special
deal … or where you at least give them links to your other
products or to other people's products that you make an affiliate
commission on.

If
you're selling a digital product, you can put some recommended
resources right on the download page.

And
don't forget about the thank-you pages that come up after
people sign up for your e-mail list. Of course, where you
want to send those people will depend on where they are in
your sales process. But why not have a list of recommended
resources for them?

Overlooked
Way #3: Thank-You E-mails/Confirmations

Finally,
there's the initial e-mail confirmation that you send back
to your customers. Most of them are going to read it. So,
in addition to the stuff you should always include (like
customer service information, credit card billing and shipping
information), why not add a simple P.S. to the bottom of
the e-mail that offers additional resources (or even a special
deal just for customers). That's what I do.

I
guarantee that just putting these 3 overlooked techniques
to work on your site will help squeeze out even more profits
for you … without adding a single visitor. Give it a try.

[Ed
Note: Just 32 years old, Yanik Silver is recognized as a
leading expert on creating automatic, money-making websites.
He has personally sold millions online, and his Internet
marketing strategies have helped his students
sell millions more in nearly every type of market on the
Internet.]

Today's
Action Plan

Whether
you already have an online business or are just thinking
about starting one, you'll be interested in ETR’s special
teleconference series, "Secrets of Easy Internet Money," where
Yanik will be revealing one of the most profitable "hidden" Internet
income opportunities around. Learn
more.

*
Advertisement *

How
to Attain ‘Real’ Financial Freedom with Passive
Income

People
like Donald Trump and the Kennedy family have it all figured
out.  Their real estate investments produce huge cash
flows, also called "passive income" every single
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There’s
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Here’s
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When
It Pays to Pay More

By
Michael Masterson

For
six years, we struggled with the restaurant, training the
staff, upgrading the kitchen, and expanding the menu. During
that time, we went through a half-dozen managers, an assortment
of well-meaning people with limited experience, and a variety
of personality disorders that were impossible to detect during
the interviewing process.

Finally,
we took one partner's advice and hired a guy with a lot of
serious experience. We had to pay him about twice what we
had been paying his predecessors, but less than 60 days after
he started … guess what? He had turned a profit.

If
we had put this guy in place a year earlier, we'd be about
$40,000 better off, on a net basis, than we are today. If
we had been lucky and/or smart enough to hire him in the
beginning, we'd probably have been collecting dividends for
years instead of losing hundreds of thousands of dollars.

I've
made this point many times before in ETR: Having great employees
is not just advantageous, it's essential. But making that
goal a reality in your business usually requires two significant
costs. First, you must be prepared to invest a considerable
amount of your time and attention to finding qualified candidates
and selecting the right ones. And second, you must be willing
to invest more dollars in those people by giving them higher
salaries, bigger bonuses, and all the support they need to
do the job.

Never
forget the value of surrounding yourself with the best people.
Ordinary workers are fine, but they are ordinary. Extraordinary
people will improve everything in your business quickly and
painlessly.

Cataracts,
Carbohydrates, and Sunlight

By
Jon Herring

My
stepmother just returned from a healthcare mission to Haiti.
Describing her experience, she said, "You wouldn't
believe how many people have cataracts, because the sun
is so bright there." What surprised me is that she
had just finished telling me that the people she was serving
eat very little protein, almost no vegetables, and lots
of rice, bread, and some fruit. Yet the reason they get
cataracts is because of the sun?

Hmm
…

I
have recently seen two relevant studies on cataracts that
might "shed some light" on this. In a 14-year
study of women, sponsored by the USDA Human Nutrition Research
Center, it was found that those women who consumed the
most simple carbohydrates were 2.5 times more likely to
develop cataracts than those whose intakes were the lowest.
A separate study found that the subjects who consumed the
most vitamin C, vitamin E, beta-carotene, lutein, zeaxanthin
(all antioxidants) and folate had the lowest incidence
of cataracts.

In
other words, it is not sunlight that is causing these people
to develop cataracts. It is more likely the result of a
high-carbohydrate diet that is lacking in antioxidants
and vital nutrients. The sun may indeed damage their eyes,
but this only occurs AFTER the nutritional protection is
gone.

In
my upcoming book The Healing Power of Sunlight,
I address this issue. And I can tell you that the rise
in skin cancer is happening for the very same reason: poor
diet. To enjoy the many health benefits of sunlight (and
still have a very low risk of cataracts or skin cancer),
be sure to eat your vegetables, take your vitamins, and
cut out the sugar.

Reader
Feedback: "I take my hat off to you."

Dear
Michael Masterson,

I've
always held you in high regard, have read your books, and
learn from you every day while reading ETR. Your mea culpa
in Message #1692 – "When
You Screw Up Big Time" – was something else. It
must have been difficult to write, but the energy came across
as one of the most inspiring, instructive pieces you've penned,
IMHO.

It
shows that the Great Ones never stop growing as long as they
are willing to take that "step out into space" once
in awhile, like Indiana Jones did in crossing the abyss and
hoping an invisible walkway was actually there.

I
take my hat off to you. You continue to be a model for my
own development, and a beacon for my two children as they
work their way through their business and personal lives.

With
Great Respect,
David H. Smith

It's
Good to Know: A Poem a Day

By
Suzanne Richardson

Toss The
Wall Street Journal, Pride and Prejudice,
and that subscription to Science Magazine – and
pick up some Byron. According to a St. Andrews University
study, reading poetry is excellent exercise for your mind.
It's more intellectually vigorous than reading a novel
– even one written by a master like Jane Austen.

The
St. Andrews research team discovered that when people read
poems, they experience more rapid eye movement (which is
associated with deep thought) than they do when reading other
forms of writing. Dr. Jane Stabler, one of the researchers
and an expert on literature, thinks it's the imagery and
structure of poetry that force readers to concentrate more
carefully on it. Other studies indicate that brain activity
increases when people hear poems spoken aloud.

So
keep your mind sharp by reading more poetry (especially poetry
in verse). Start today by signing up for the Academy of American
Poets' "Poem a Day" e-mail at http://www.poets.org/poemADay.php.

*
Advertisement *

Be
Your Own Boss

In
6 hours and 35 minutes, you can be in business well on your
way to making upwards of $100,000 per year! That's how long
it takes to create what is without question the world's easiest,
most profitable and infinitely rewarding
business.

Word
to the Wise: Mea Culpa

"Mea
culpa" (MAY-uh KUL-puh) – Latin for "through
my fault" – is an acknowledgement of personal error
or guilt.

Example
(as used by ETR reader David H. Smith in today's "Reader
Feedback"): "Your mea culpa in Message #1692 -
'When You Screw Up Big Time' – was something else."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at  http://speakoutforum.com/forum/

or
send questions directly to Support@EarlyToRise.Com

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.)

_____

To
unsubscribe, Click
here

To
change your email address, Click
here

To
cancel or for any other subscription issues, write
us at:

Order
Processing Center
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P.O. Box 925
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_____

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: 1-866-344-7200

www.earlytorise.com
Friday, April 7, 2006
Message #1697

WEALTHY: What to do when your PEG's over 3

HEALTHY: A sweet solution for spring allergies

WISE: Bo Bennett on negotiating with kids

ALSO IN THIS ISSUE:

10 things that every master negotiator knows (Michael Masterson)

ETR on Sunday? What do you think?

Add the word "foment" to your vocabulary

* Highly Recommended *

“My wife and I live in Calabasas, California. At work they gave me my walking papers… Here's the good part! I took Ted Thomas' Foreclosure Real Estate Training; within 60 days I bought two houses, which were both foreclosures. I fixed them up and resold them for a profit of $22,250.”

- Curtis Harker

Ted Thomas is a twenty-year veteran of the Foreclosure real estate business.  He’s an expert we trust, and he will be giving a seminar for Early To Rise readers interested in getting an introduction to the foreclosures market –please click here now if you’d like to sign up.

Pegging Down a Company's Profit

By Andrew Gordon

Top portfolio managers like Peter Lynch place a good deal of stock in the PEG (price-to-earnings-to-growth) ratio, which is supposed to tell you how fully valued a company's share price is.

Their reliance on this ratio is misplaced, however.

The PEG compares the company's price-to-earnings (P/E) ratio with its earnings-per-share (EPS). It tells you what investors are willing to pay for every dollar of earnings the company brings in. The EPS tells you how much of the company's profit is being budgeted to each share of outstanding stock and is thus a benchmark of company profitability.

A PEG higher than 3 is probably a sign that you should look elsewhere. A PEG below 1 could be telling you that the company is undervalued. You may be looking at a real gem … OR NOT. Instead, you may be looking at a company that had a one-time event that spiked income (like the sale of an asset or a tax break) or a one-time event that dropped income (like the closing of a plant). Either way, net income can be very misleading.

I prefer looking at cash flow (CF). It mainly consists of cash generated from operations. There are no write-offs or phantom income in cash flow. If CF is more than 10 percent of what investors are willing to pay for the stock, you're looking at a company flush with money. Period.

You can punch up the PEG ratio on most stock screeners such as Yahoo! Finance. The price-to-cash-flow (P/CF) ratio is usually a no-show, but Reuters' finance section includes it. And it's worth paying attention to. This is the ratio that will give you a better insight into whether a company is a clunker or a potential big winner.

(Ed. Note: Andrew M. Gordon and his staff, along with Dr. Erik Epp, have created a new free e-letter called Money Insight: Useful Ideas for Growing Your Money Quickly and Safely. Every week, they decipher the best safe-money strategies from the deluge of mainstream financial news and uncover undervalued opportunities for quick profits. Check it out.)

"Negotiating techniques do not work all that well with kids, because in the middle of a negotiation, they will say something completely unrelated such as, 'You know what? I have a belly button!' and completely throw you off guard."

- Bo Bennett

How to Be a Successful Negotiator

By Michael Masterson

The first skill of a good negotiator is to know when to negotiate. Most of the deals I've made in my career have required little or no negotiating. I know what I want out of the arrangement. I find out what the others want by asking. Then I think about how everyone can have what they want, and I usually come up with a mutually beneficial answer.

Once you have an answer that appeals to all parties involved, you have the basis for a good and sustainable deal. But getting to that point often requires a good deal of thought and study, including a lot of attention to detail.

You have to know the issue inside and out if you're going to present a persuasive argument for your side. This includes knowing how your deal is unique and positioning those special characteristics to your advantage.

Richard Shell, a Wharton professor and author of Bargaining for Advantage, makes the case that successful negotiation is 10 percent technique and 90 percent attitude. He says that good negotiating is a mix of competition and cooperation – which means you don't have to sell your soul to get what you want.

I couldn't agree more.

The great negotiators I know are those who can see the big picture. They envision the most promising scenario and take action to bring it into being. They have a keen sense of the potential value to be created and understand how to get it.

For most people, these skills are not natural … but every one of them can be learned.

There are many different techniques involved in negotiating. Below are those that have helped me the most. I think they'll help you, too.

Step 1: Assess All Interests

Focus on the full set of interests of all parties. To do this, you must learn as much as possible about who you're dealing with. This is very important. For example, if you're going to be negotiating with someone representing a business, pick up company brochures and the latest news articles and trade journal clips about the company. And if you're negotiating with an entrepreneur, talk to people who have dealt with him before.

The idea is to find common ground – deeper issues that both you and the other party can agree on. Those issues will be the basis for your negotiations.

Step 2: Set Your Bottom-Line Goal

Determine what Nation's Business magazine called your "bottom-line goal" – the one thing you must come away with. Ask yourself, "If I could walk away from the table with only one thing, what would it be?" That's your "bottom-line goal." Do enough thinking here to make sure this goal is realistic and attainable.

Step 3: Search for Value-Creating Differences

Look beyond common ground to find value-creating differences. What's unique about your position? What's unique about the position of the other side? Think about how you can use those differences to your advantage and make the acceptance of your position more valuable to both of you.

Step 4: Ask Yourself "What's the Worst That Could Happen?"

A very useful technique for negotiating differences is called BATNA – an acronym for "Best Alternative To a Negotiated Agreement." The phrase was coined years ago by Roger Fisher, Bill Ury, and Bruce Patton in their book Getting to Yes: Negotiating Agreement Without Giving In.

The basic idea of BATNA is to figure out what the consequences would be if you and the other party can't reach an agreement. This is your worst-case scenario. You then plan out the course of action you would take – your best alternative to a negotiated agreement. Going into negotiations armed with your BATNA will allow you to negotiate strongly without feeling anxious if things aren't moving forward well.

Step 5: Make Sure You've Met the Other Person

Don't let your first-ever meeting be at the bargaining table. If you don't know the person or people you'll be negotiating with, try to set up an initial "get-acquainted" meeting. This step is especially important when there's a lot riding on the outcome of the negotiation.

Step 6: Set an Agenda

Create a negotiating agenda – an outline of the issues that you plan to discuss. It should be flexible and agreed upon by both parties. The agenda is a way of making sure that the negotiations stay on course and that unrelated issues aren't brought in. I don't think it's necessary in all cases – but, again, if there's a lot at stake, an agenda can certainly help.

Step 7: Watch Out for Biases

Most people involved in negotiations understandably have a built-in bias toward their own position. Harvard Business Review writer James Sebenius says that despite the clear advantages of trying to reconcile deeper interests, most negotiating parties come to the table with a "My gain is your loss" type of thinking. In most situations, however, there is common ground – deeper issues that all parties can agree on. It's just a matter of finding them.

Step 8: Control Your Temper

Keep a level head when tempers flair. Lashing out during any negotiation is a big mistake, even if the other party started it. If the negotiation starts to get heated, the best thing to do is remain polite. Listen. Make it clear that you can be trusted. Acknowledge the other side's point of view. Then try, if you can, to steer the discussion to smaller, less-important issues that need to be agreed upon.

And by all means never, ever get personal. Never make any threats. They'll come back to haunt you … and you'll have made an enemy you would have been better off without.

Step 10: Know How to Handle a Deadlock

When you're deadlocked, buy some time. Take a break. Walk away from the negotiating table for a while and clear your head. Set a time for all parties to return – 15 minutes, an hour, or even later in the week.

The main thing to remember when you're involved in any type of negotiation (and that includes ordinary, day-to-day negotiations with friends and family): Always keep in mind that the outcome must benefit both parties.

(Ed. Note: The above was adapted from Michael Masterson's book Power and Persuasion. For more invaluable information about how to become an effective leader, pick up a copy today.)

Reader Feedback: "Maybe this is a health tip you can pass along."

By Jon Herring

Spring is here and summer is right around the corner. And for millions of people, that means itchy, red eyes, a stuffy nose, sneezing, and a sore throat. My father has suffered from hay fever (an allergy to plant pollen) for years, so I know that it can be maddening … even debilitating. If you have pollen allergies, here's an idea from an ETR reader that might help …

After reading my health brief in Message #1689, DA wrote:

"I'm writing in response to your article on the topic of allergies (hay fever, in particular). Several years ago, my office-mate suggested I use locally produced honey in tea for several days to inoculate myself against hay fever. [Locally produced honey is more likely to contain the specific pollen allergens that you are exposed to.] In short, I tried it and – after suffering through a few days of intense hay fever – the last 7 years have been hay fever free. It worked for me. Maybe this is a health-tip you can pass along."

Though I'm not aware of studies, there is a lot of anecdotal evidence that DA's treatment works for some people. And in contrast to antihistamines and nasal sprays that only address symptoms, this natural remedy addresses the cause – your own immune response. Use raw (unheated and unfiltered) honey that is produced within 50 miles of where you live – and maybe this will be your last season of hay fever. If not, you'll still have a delicious, nutritious jar of honey.

* Highly Recommended *

Would You Like to $10 into over $500,000?

Perhaps this situation sounds familiar to you:

1) You have no technical knowledge about computers…

2) You don’t have any spare time to time to learn how to start a business…

3) But yet you realize there’s a ton of money to be made on the Internet and would like to get started.

If so, here’s an opportunity which really does work, that anyone can follow and put into practice quickly in just three hours of your spare time from home. One guy I know turned $10 into over $500,000 with this technique.

And here’s the most interesting part: It costs practically nothing to get started.

- Patrick Coffey

ETR Insider Report: Adding a Sunday Edition

By Suzanne Richardson

The topic was first raised two years ago …

… then dismissed.

And now the idea's back on everyone's minds.

Should we have an edition of ETR on Sundays?

Since its inception, ETR has never gone out on Sunday. Everyone needs a break from the relentless inbox overflow of the work week. And that includes your issues of Early to Rise.

Two years ago, ETR Editorial Director Charlie Byrne suggested that we start sending out a special Sunday edition. "What if we started sending out ETR on Sunday?" Charlie wondered in an e-mail. "It could be full of techniques our readers can use during the coming week to change their lives in some small ways."

For one reason or another, the topic was dropped …

Only to be raised again by Michael Masterson last week.

"What if we ran an ETR Week in Review on Sundays?" Michael asked. "We could list the headlines of that week's articles, with links to the articles themselves. That way, people too busy to read ETR every day can take one quick look at the entire week and pick and choose which articles they'd be most interested in."

It was Charlie, this time, who raised the objection: "Are seven days of e-mails too much?"

The Sunday edition is still under consideration. But we'd like to hear your thoughts on the matter.

Today's Action Plan

How would you feel about getting an ETR Week in Review on Sunday? Help us decide what to do by sharing your thoughts on the Speak Out Reader Forum SundayOrNoSunday@ETRFeedback.Com.

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Word to the Wise: Foment

To "foment" (foh-MENT) is to nurse to life or activity – often in a bad sense. It is derived from the Latin "fovere" ("to warm, to foster, to encourage").

Example (as used by Mark Pendergrast in Uncommon Grounds): "Here, over many cups of coffee and other brews, John Adams, James Otis, and Paul Revere met to foment rebellion, prompting Daniel Webster to call it 'the headquarters of the Revolution.'"

Michael
Masterson
Copyright ETR, LLC, 2006

Have a Question for Michael Masterson?

Want to know the secrets to his success? Have a perplexing business
problem? ETR welcomes your thoughts. Post them online at  http://speakoutforum.com/forum/

or send questions directly to Support@EarlyToRise.Com

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.)

_____

To
unsubscribe, Click
here

To
change your email address, Click
here

To cancel or for any other subscription issues, write
us at:

Order
Processing Center
Attn: Customer Service
P.O. Box 925
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_____

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

www.earlytorise.com
Tuesday, April 4, 2006
Message #1694

WEALTHY:
Water, water everywhere?

HEALTHY:
If you must fry fish …

WISE:
Ralph Waldo Emerson on fear

ALSO IN THIS ISSUE:
Overcoming
the No. 1 fear of most Americans (Bob Bly)

The
problem with Norway (Michael
Masterson)

Add
the word "trepidation" to your vocabulary

*Highly
Recommended *

Start
Making Money Next Week

Interested
in getting a nice little side-business going on the Internet?

But
maybe you don’t have too much money, you don’t
have too much time, and you’re not exactly Bill Gates
when it comes to technology. Sound familiar?

A
lot of people are in the same boat. The good news is that
ETR has heard you. And now we’ve done something about
it…

One
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revealed in my new Internet entrepreneur’s quick-start
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Let
me show you how to get a similar Internet income stream
up and running for almost nothing.

- Patrick
Coffey

An
Investment Idea That's All Wet

By
Andrew Gordon

Water
is a scarce commodity – and scarcity means an opportunity
for you to profit.

Water
covers nearly 70 percent of the earth's surface, but most
of it is saltwater, unfit for drinking, agriculture, and
(with rare exception) industrial uses. In fact, far less
than 1 percent of the water on our planet is suitable for
human consumption. Already, 1 billion people lack safe drinking
water. The UN says that by 2025 that number will go up to
2.7 billion.

Water
shortages are occurring not only in countries like China
and India (where you might expect it), but even in the United
States.

You
can track the fate of water as a commodity by following these
two indices:

The
Palisades Water Index (ZWI) is a global index of 36 companies
in the water-industry sector. Started in 2003, the index
is already up more than 57 percent.

The
Dow Jones Water Index (DJUSWU), which follows 23 stocks,
is the oldest of the water indices. Last year, it was
up 60 percent.

A
good water investment opportunity is PowerShares Water Resource
ETF (PHO), which made its debut last year. It's up nearly
17 percent since being introduced in December.

Remember
that water – like all commodities – can be extremely volatile.
I've just looked at the Palisades Index, which PHO follows.
(All ETFs track an index.) Although its long-term trend is
clearly up, it's heading down. Wait until after the price
has turned up again to jump into this ETF … and then, don't
put more than 5 percent of your savings into it.

Check
every three months or so to see how your investment is doing
– but resist the temptation to sell low! For every 2-5 percent
dip this ETF takes, there's a 7-10 percent hike. I expect
this zig-zaggy climb to continue all year.

(Ed.
Note: Andrew M. Gordon and his staff, along with Dr. Erik
Epp, have created a new free e-letter called Money
Insight: Useful Ideas for Growing Your Money Quickly and
Safely . Every week, they decipher the best
safe-money strategies from the deluge of mainstream financial
news and uncover undervalued opportunities for quick profits.
Check it out.)

Michael
Masterson on Leadership …

"A
leader can delegate a great deal of responsibility if he
surrounds himself with good people. But the one thing he
can never delegate is the job of establishing goals and creating
a vision – unless, that is, he wants to cease being a leader."

(Source: Power & Persuasion by
Michael Masterson)

"Fear
defeats more people than any other one thing in the world."

-
Ralph Waldo Emerson

Give
a Great Talk, Part 1

By
Bob Bly

One
of the ways you can market your product or service is through
public speaking.

For
instance, you'll often see financial seminars advertised
in your local newspaper. The ads invite you to come for a
lunch or evening seminar … typically just an hour or two
… on a topic like estate planning, retirement planning,
or mutual fund investing.

The
seminar, sponsored by a local brokerage, financial planner,
or other financial services firm, is free.

So
how do they make money? By converting some of the attendees
into paid clients for whom they manage money, prepare estate
plans, or provide other financial services.

This "give
a free talk" strategy can work in many fields and venues.

A
consultant who specializes in small-business management and
marketing, for example, might speak at a Chamber of Commerce
lunch to promote his services and sign up local business
owners as clients.

You
can speak at local association lunches and dinners … the
YMCA or YMHA … high school and college adult-education
programs … local libraries … trade shows and conferences
… public seminars.

Why
don't more entrepreneurs use the "give a free talk" promotional
strategy? One reason is that the idea of speaking in front
of a group makes them nervous.

We
often hear about surveys showing the number one fear of Americans
to be public speaking … ahead of fear of flying, heights
(my particular bugaboo), snakes, or even death….

Now,
I have been using the "give a free talk" strategy
to promote myself as a freelance copywriter for more than
two decades. And I've developed a technique that can help
you deliver a superior presentation AND overcome your butterflies
at the same time.

It's
really simple – and you've already been doing it your whole
life.

It's
called "having a conversation with another person."

You,
along with virtually everyone else on the planet, are already
an experienced and accomplished speaker. You speak all the
time, every day, almost nonstop – to colleagues, coworkers,
customers, supervisors, vendors, suppliers, friends, family,
the clerk at the drugstore, the waiter at the restaurant
– in one-to-one personal conversations.

Having
these conversations comes naturally. You don't get nervous
or scared. And the people you talk to listen and respond
– for the most part.

Well,
to become a good speaker, all you need to do is have the
same kind of one-to-one conversation with your audience when
you're speaking in front of a group!

When
I am speaking to a group, I look into the audience as I begin
talking, find one person who is looking back at me, and make
eye contact. Then, I talk just to that one person … as
if we are having a private, one-on-one conversation.

I
know that everyone else can hear us. But notice: I am not "giving
a lecture" or "making a speech" … activities
that the average person approaches with fear and trepidation.
Instead, I am just having a conversation with one person.

After
a minute, I break eye contact, find another person in the
audience, and make eye contact with him.

I
repeat this process throughout my talk. So I am never staring
out into a crowd, seeing an ocean of bodies … which can
be intimidating. Instead, I am always having a conversation
with one person.

The
result? My fear and anxiety are totally gone. And my presentation
is much more conversational and natural than a formal lecture
or pontificating speech would be.

Here's
one other tip: NEVER bring your talk written out as a "speech" and
read it word for word.

Such
presentations are stiff and boring. The listener knows you
are reading a speech, and thinks, "This guy could have
just e-mailed his talk to me as a PDF file … and I could
have read it at home without bothering to make the trip here!"

Instead,
outline your talk in bullet form.

You
can write the bullets on index cards (for your eyes only).
Or put the major points on PowerPoint slides and project
them in front of the audience so they can follow along with
you.

In
my next article for ETR, I'll tell you four more secrets
for giving a great talk that will not only dazzle your audience,
but also get them to trust you – and, ultimately, buy what
you are selling.

(Ed.
Note: Bob Bly is a popular Early to Rise columnist, self-made
multi-millionaire, and the author of more than 60 books,
including The
Complete Idiot's Guide to Direct Marketing and The
Copywriter's Handbook.

He
is also the editor of ETR's
Direct Marketing University: The Masters Edition -
a program to help you start your own successful direct-mail
business.)

The
Way You Prepare Your Fish Can Make All the Difference

By
Jon Herring

In
a recent study published in the American Journal of Cardiology,
researchers from the Harvard School of Public Health found
that eating broiled or baked fish was associated with a reduced
risk of heart failure. They also discovered that eating fried
fish was associated with an increased risk.

The
researchers attributed the heart benefits to the omega-3
fatty acids in the broiled and baked fish. They also suggested
that the reason fried fish doesn't have the same benefits
is because most fried fish is made with lean, white varieties
that have very few omega-3s. While this is true, it's not
the whole story.

What
the researchers didn't report is that most fried fish is
cooked in vegetable oil (in some cases, in hydrogenated vegetable
oil). Vegetable oil is very high in omega-6 fatty acids,
the over-consumption of which strongly promotes heart disease.

If
you enjoy fish, have it baked, broiled, or steamed. If you
must have it fried, cook it in coconut oil. Coconut oil is
perfect for cooking at high temperatures and, unlike vegetable
oil, it is a very healthy fat. And – as always – choose only
fish that is known to be free of mercury and other pollutants.

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Notes
From Michael Masterson's Journal: Want to Move to Norway?

Norway
has a problem. It has too much money.

The
government's petroleum fund alone has $190 billion in surplus,
and it's growing. $190 billion wouldn't be much good to the
United States government, which spends that kind of money
every few months fighting wars and paying for international
development programs. The only international project Norway
gets involved in is the Nobel Prize – and that is self-funded
by charitable donations.

To
deal with the money "problem," the government has
hired a philosopher to help figure out the best way to invest
it for future generations. That's an interesting idea – investing
saved money so that future generations will have it easier.

In
this country, we do things differently. We borrow money we
don't have so we can live better, and we forward the debt
to our children and grandchildren so they can figure things
out.

As
far as the U.S. economy is concerned, I'm not going to fret
about it. Yes, we seem to be making all the mistakes that
Suze Orman's readers make (i.e., spending money we don't
have on lots of stuff we don't need) – but, what the heck.
It's only money, right?

What's
the worst that can happen? China stops supporting our borrowing
and we collapse into a depression? Big deal. Even if the
American economy takes a nosedive and drags the rest of the
world with it, ETR readers will survive.

We'll
do more than survive, damn it! We will prosper. We are tough
and wily and up to the challenge. We make our money through
diligence and ingenuity. Those characteristics will get us
through whatever the future brings.

In
the meantime, we will continue to develop our skills, widen
our circle of friends, and sock away gold and cash in our
secret coffers so that if and when Armageddon arrives, we'll
be prepared.

- Michael
Masterson

Today's
Action Plan

If
you are interested in moving to Norway, check out Norwegian
Consular Services at for more information
about what's involved.

Me?
I'm not going. Yes, I can see the advantages. But I'm not
into cold weather. For the time being, at least, I'm going
to keep my home in Florida and spend a week each month in
Nicaragua (where I've got a house and a business to keep
me busy).

-
Michael Masterson

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Word
to the Wise: Trepidation

"Trepidation" (trep-ih-DAY-shun)
is a state of alarm or dread. It is derived from the Latin "trepidus" ("anxious").

Example
(as used by Bob Bly today): "I am not 'giving a lecture
or 'making a speech' … activities that the average person
approaches with fear and trepidation. Instead, I am just
having a conversation with one person."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at  http://speakoutforum.com/forum/

or
send questions directly to Support@EarlyToRise.Com

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.)

_____

To
unsubscribe, Click
here

To
change your email address, Click
here

To
cancel or for any other subscription issues, write
us at:

Order
Processing Center
Attn: Customer Service
P.O. Box 925
Frederick, MD 21705

_____

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

www.earlytorise.com
Monday, April 3, 2006
Message #1693

WEALTHY:
Bargains by the "book"

HEALTHY:
Do your kids have "nature deficit disorder"?

WISE:
Neil Cavuto on screwing up

ALSO
IN THIS ISSUE:

Owning
up (Michael
Masterson)

Sell
it with sound (Matt Furey)

Add
the word "transmute" to your vocabulary

*Highly
Recommended *

“I
knew there were probably some tax savings I was missing
out on…but I honestly had no idea exactly how much
of a difference it was making to my overall financial planning.
When I found the techniques in the Instant Tax Relief Kit,
I realized that with the type of investing I’m currently
doing, I could probably shave about 8-10 years off of my
planned retirement age.

I’m
glad that the Instant Tax Relief Kit showed me exactly
how I can use 2 completely legal strategies to save more
on my taxes. I feel like I’ve just been shown one
of the best kept ‘secrets’ that’s been
kept from the general public.”

-
Lisa Bruette

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you be saving $10,000 – $50,000 or more on your taxes? Take
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that have been helping the rich get richer for years. Act
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"We
forget the little things, so it's no wonder some of us
screw up the big things."

-
Neil Cavuto

When
You Screw Up, Big Time, Twice in One Week

By
Michael Masterson

Last
week will go down as a memorable one in my journal. I made
two major mistakes that stirred up some dust and made me
wonder if I was fit to run a business.

The
first was a classic e-mail snafu. For several weeks, I was
having confidential discussions with the Chairman and the
CEO of a business about compensation for the four top executives,
including the CEO himself. My job was to help come up with
a new plan that would be fair to everyone now and into the
future, so we wouldn't have to revisit the issue every year.

I'd
been having private discussions with everyone involved and
then getting back to the Chairman and CEO for their reactions.
Finally, I thought I had something that would work well for
everyone. In response to a message about the program from
the CEO, I attached my plan and asked for his thoughts. If
he liked it, I'd show it to the Chairman. If he approved,
we'd present it to the other execs.

That
was the plan. What happened was this: In sending the attachment
to the CEO, I hit the "reply to all" button instead
of the "reply to sender" button. My attachment,
with all the personal income proposals, went to everyone
at the same time, including a senior executive who wasn't
even part of the program.

The
moment I sent it off, I realized what I had done. But it
was too late. By the time I'd verified that it had indeed
been sent to six people instead of two, they had all read
it.

Everyone
assumed it was the final draft. But there were two propositions
that the Chairman didn't like. So then I had the unpleasant
task of telling people that they wouldn't be getting as much
as I had suggested. Needless to say, this was a difficult
conversation. What should have been a very gratifying experience
for everyone involved became an anxious, urgent problem.

My
second mistake was more serious.

I
wrote an ETR message that was sent out to all of our readers
without careful editing. The result was that I publicly shamed
someone I greatly admire.

ETR's
philosophy is to draw our articles from actual experience.
We like to think that our readers want to get their advice
from someone who's walked his talk. Because of this emphasis
on inductive reasoning and "erfahrung"-based (primary)
knowledge, we try to write about things that happen in our
daily working lives.

To
keep the original story straight in my mind when I write
my articles, I use the actual names and situations. But to
protect the innocent, we change lots of insignificant details
during the editing process to make the story/people unrecognizable.

Several
times in the past, we unwittingly embarrassed or upset someone
who felt we were criticizing him or her in public. So now
our policy is to write the essay as a journal entry first,
and then edit it so that it retains the big idea but loses
the identifying details.

I
wrote such an essay a couple of weeks ago about someone we
hired recently. In telling the story, I attempted to analyze
why we were lucky enough to hire her. My theory was based
on little bits of information I had picked up here and there,
but it was ultimately a speculation.

The
point I was making was a good and valid one. And since I
knew the story and the people were going to be disguised
beyond recognition, I felt at liberty to drive my point home
… even if it wasn't entirely fair.

You
can guess what happened. The article was published in its
first draft.

It
was my fault. I assumed this and assumed that and never bothered
to check the copy before it went out. The result was that
my colleague's employees and competitors might have read
what appeared to be a mean combination of pot shots and boasting.

Needless
to say, I haven't been sleeping too well since then. Although
I try to rationalize my mistake by reminding myself that
most of what I said was positive and approving, I know that
the net effect was negative. I am very sorry for that.

Two
big mistakes in one week. Makes me wonder if I am no longer
capable of operating as a senior consultant to so many great,
top-notch companies.

Over
the weekend, I told my neighbor what happened. She said that
whenever her husband screws up, he asks himself the same
question. (When I asked him if he'd ever done two things
as stupid as I had done in a single week, he just smiled.)

Roughly
speaking, business leaders fall into one of two categories.
There are the entrepreneurs who start businesses from scratch
and do everything necessary to get them strong and profitable.
And then there are the corporate executive types who take
over when the business is up and running and use their management
and communication skills to keep it operating smoothly.

I
am – I'm sure this won't surprise you – the entrepreneurial
type. I've spent almost all my business life starting businesses
from scratch and working with them on a daily basis until
they were big enough to be run by someone else. For the most
part, it has meant taking them from zero to about $10 million
in sales with a 10 percent to 15 percent profit.

Counting
the businesses I've owned, directed, and advised, I've done
this at least 20 times. Starting a business from scratch
and making it profitable is something I believe I can do
with my eyes closed. But running it once it's gotten big
and profitable – well, that's another story.

The
kind of mistakes I made last week are the kind that wouldn't
matter all that much to an entrepreneur getting his business
off the ground. Starting a business from scratch takes a
great deal of pushing and shoving. You've got to be willing
to step on a few toes.

But
when a business is up and running, it needs a more careful,
polished hand. With substantial sales and a significant profit
stream to protect, the CEO's job becomes as much about protecting
the existing asset as it is about making it bigger.

Rather
than try to convert myself from hard-boiled entrepreneur
to polished corporate exec, it might be wiser to continue
to do what I do best, but in the context of businesses I've
already started. In other words, instead of trying to be
the guy who manages the whole enterprise, let someone more
thoughtful and careful do that and throw myself back into
the war zone where I have won so many medals.

That
said, I've learned three lessons this week:

1.
Before hitting the "send" button, double-check
to make sure my e-mail is going to the right person/people.

(The
last thing you want to do is have someone read comments that
could be misinterpreted or cause upset. I've warned ETR readers
many times about this common trap – and I fell into it myself.)

2.
Give everything I write a final proof before I let it be
published.

3.
Accept the fact that when it comes to leading businesses,
I can be fish or fowl … but I can't be both.

I
hope, after hearing my embarrassing confession, you can avoid
getting yourself into similar predicaments.

Today's
Action Plan

Fess
up. You've got your own embarrassing mistakes to talk about.
What advice can you add to what Michael shared today? What
lessons have you learned? Let us know on the Speak
Out forum.

*
Highly Recommended*

Nine
Ways To Explode More Profits

This
week my colleague Jay Abraham is practically giving away
a revolutionary business growth system for pennies-on-the
dollar.

Jay
will send you a comprehensive business growth system, containing
some of his best money-making ideas, methods and concepts
to study, apply and prosper from… and he will only charge
you a modest processing fee to get it produced, packed and
shipped off to you.

Jay
receives $5,000 per hour for his consulting… and that’s
when you can get him. A full day would run you $40,000! His
tape sets alone normally sell from $500 to $2,000, and live
training programs range from $5,000 to as much as $25,000
for a single event.

If
you want to start making a ton more money and have a clear,
direct path to real prosperity and business wealth, you owe
it to yourself to look
into this program.

-
Patrick Coffey

There's
a Reason They Call It the "Great" Outdoors

By
Jon Herring

Many
of my most treasured memories of childhood are centered on
the days I spent outside. Fishing and hiking with my dad
… traveling cross-country with my mom and brother, camping
along the way … catching snakes in the woods … climbing
trees … discovering the source of the creek that ran through
the neighborhood.

But
with extensive land development, many kids these days don't
have the same opportunities. And when you combine that with
competition from video games, computer screens, and 200 television
channels, more and more children are spending less and less
time playing outside.

There
are a lot of people who believe this growing distance between
children and the outdoors has a good deal to do with increasing
rates of childhood obesity, depression, attention problems,
and hyperactivity. In his book Last
Child in the Woods: Saving Our Children From Nature Deficit
Disorder, Richard Louv writes, "For
tens of thousands of years of human history, children have
spent most of their lives outside. … There have to be profound
impacts on emotional, physical, and spiritual health when
that changes."

This
happens to be one of the primary themes in my own upcoming
book, The Healing Power of Sunlight: The Vital Connection
Between the Sun and Your Health. The more time your children
(and you) spend outside (preferably in a natural setting),
the more emotionally balanced and physically healthy they
will be.

So
do something about this right now by planning a family outing
for the weekend. A camping trip … a fishing excursion …
or just a trip to the park. Twenty years from now, it will
still be a day you will all remember.

Do
Your Words Run Out of Gas?

By
Matt Furey

Would
you reason me insane if I argued there are more than five
vowels in the English language? That's right. There's more
to English vowel sounds than the standard a, e, i, o, and
u. But only if you're one of those revolutionary persuaders
who enjoys transmuting both written and spoken words into
heaps of cash.

If
you want to communicate persuasively, in both written and
spoken English, it would be wise to consider that vowels
are sounds that don't run out of gas. That's how it works
in Sanskrit.

With
this in mind, let's look at the letter "s." You
can slip into an "s" and keep it sizzling so
long that you'll need a siesta. Then there's the letter "k." Almost
as soon as the sound is uttered, you've killed it. Now
let's take the letter "m" – as in "mom." It
makes sense that this word is nearly universal. Even in
China, a language vastly different than English, they say "mama." How
long can you hang on the letter "m"? I'm betting
a good long time. Yet, pull out a letter "p" -
and it poops out almost as soon as it pops.

Take
a moment and go through the alphabet in this unusual manner.
Figure out which letters run out of gas and which ones
keep humming and purring long after you've written or spoken
them. Inject these sounds into your copy or into your speeches,
and you can literally make chandeliers shake and hearts
rumble. In fact, long after you've spoken, people may continue
to hear and feel a buzz going on in their hearts and minds
– and they won't even know why. Isn't that grand?

[Ed.
Note: Matt Furey, an occasional contributor to ETR, is
a best-selling health and fitness author, as well as
a world-class marketer. His daily e-mails at www.mattfurey.com are
must-reads. You can also hear him for yourself by signing
up for the Secrets
of Easy Internet Money. In this program,
Matt reveals a powerful system he's used to generate
in excess of $500K in sales online. ]

It's
Good to Know: The Price-to-Book Ratio

By
Andrew Gordon

The
next time you see a company with a price-to-book (P/B) ratio
below 2, take a closer look. It may be an undervalued gem
just waiting to add loads of value to your portfolio.

Simply
put, book value is the difference between the company's assets
and liabilities. In theory, it tells you how much would be
left over if the company went bankrupt today and whether
you'd be able to recoup your investment (the price of the
stock).

Value
investors like me look at the relationship between a stock's
price and its book value to help determine whether the stock
is undervalued. You can find the price-to-book ratioon almost
any stock screener – Yahoo!,
for example.

As
a rule, the higher the P/B ratio, the riskier the stock.
Historically, a decent value has been roughly 2.0 – 2.5.
Unless you are indifferent about risking your money, any
stock with a P/B above 3.0 isn't worth considering.

(Ed.
Note: Andrew M. Gordon and his staff, along with Dr. Erik
Epp, have created a new free e-letter called Money
Insight: Useful Ideas for Growing Your Money Quickly and
Safely. Every week, they decipher the best
safe-money strategies from the deluge of mainstream financial
news and uncover undervalued opportunities for quick profits.
Check it out.)

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Word
to the Wise: Transmute

To "transmute" (trans-MYOOT)
is to change from one form, nature, substance, or state into
another. The word is derived from the Latin "transmutare" ("to
change").

Example
(as used by Matt Furey today): "There's more to English
vowel sounds than the standard a, e, i, o, and u. But only
if you're one of those revolutionary persuaders who enjoys
transmuting both written and spoken words into heaps of cash."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at  http://speakoutforum.com/forum/

or
send questions directly to Support@EarlyToRise.Com

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.)

_____

To
unsubscribe, Click
here

To
change your email address, Click
here

To
cancel or for any other subscription issues, write
us at:

Order
Processing Center
Attn: Customer Service
P.O. Box 925
Frederick, MD 21705

_____

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

Saturday, April 1, 2006
Message #1692

WEALTHY: "Scaling out"
HEALTHY: The story behind my book (Jon Herring)

WISE: E.T. Bell on assumptions

ALSO IN THIS ISSUE:

Minor blunders and fatal errors (Robert Ringer)

Interesting origins of the Bible (Michael Masterson)

Add the word "ideologue" to your vocabulary

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A Smart Way to Lock In Your Profits

By Andrew Gordon

You've watched one of your investments blossom into a huge paper profit. But now you're thinking that maybe it's time to sell. The problem: If you sell and the stock moves still higher, you've missed the rest of the move. If you don't sell and the stock tumbles sharply, you'll watch that profit go up in smoke. Should you take a profit … or continue to hold?

Try what's called scaling out or taking partial profits.

Say you have 300 shares of a stock. It has gone from $20 a share to $100 share, so you've made a paper profit of $24,000. Now the company's fundamentals are beginning to look shaky. But you're not sure.

Instead of dropping the stock or doing nothing, you scale out by selling 100 shares at $100 for a profit of $8,000. If the price declines further to $90, you sell another 100 shares for a $7,000 profit. Then, if the price goes to $80, you sell another 100 shares and lock in a $6,000 profit. Your total profit on the 300 shares will be $21,000. You've locked in 87 percent of your original paper profit.

If the stock price resumes its march upward after you've sold the first 100 shares, you still have 200 shares in the market with which to capture more profits.

Deciding when to exit a trade is just as important as – indeed, even more important than – deciding when to enter it. There's no need to scuttle your entire profitable investment all at once. Taking partial profits is far more comfortable then watching a stock go down the drain or missing an opportunity to make still more money.

[Ed. Note: Andrew M. Gordon and his staff, along with Dr. Erik Epp, have created a new free e-letter called Money Insight: Useful Ideas for Growing Your Money Quickly and Safely. Every week, they decipher the best safe-money strategies from the deluge of mainstream financial news and uncover undervalued opportunities for quick profits. Check it out.]

Michael Masterson on Leadership …

"As a leader in your business, you are earning big bucks to do the hard thinking, to make tough decisions, and to get the job done – even if it means pushing the weight uphill."

(Source: Power & Persuasion by Michael Masterson)

"Euclid taught me that without assumptions there is no proof. Therefore, in any argument, examine the assumptions."

- E.T. Bell

Inferring With Caution

By Robert Ringer

To a great extent, our lives are guided by the inferences we make, yet most of us never give this critical process a passing thought.

A good definition of inference is "the act of deriving conclusions from premises known or assumed to be true." There is, of course, a big difference between knowing something to be true and assuming it to be true.

The serious seeker of truth always looks to his own experience first, to reason (inference) second, and to authoritative sources third. Though experience is clearly the most reliable method of verifying facts, life is filled with illusions. Which means that even our firsthand experiences can be deceiving.

For example, I would be willing to wager that not every one of the thousands of people who claim to have been abducted by aliens have actually experienced such an encounter. Yet, when you hear them talk about it, all of these people appear to believe that it really happened to them.

Hey, who am I to say that someone wasn't actually abducted by an other-worldly being? On the other hand, I feel totally comfortable in saying that it hasn't happened to every single person who has ever made such a claim.

My point is that a person cannot always be 100 percent certain when it comes to verifying a fact, even when he relies on his own experience. Worse, most of our actions are not even based on experience. They're taken as a result of our inferences, because we can't possibly possess firsthand knowledge of every situation we come up against.

For example, if you're driving down the street and see a huge billowing of smoke in the distance, you will probably draw the inference that there's a fire somewhere. You could be wrong, but, based on your firsthand experience and reasoning powers, you would be likely to draw such a conclusion – and likely to be correct.

On the other hand, if a person assumes that the stock market or real estate market (or any market, for that matter) will continue to go up simply because he has observed firsthand that it has risen for a long period of time, his observations would have led him to a false premise.

This is precisely what occurred with the infamous dot-com collapse of the late nineties and early 2000's. Contrary to what stock-market "chartists" would have you believe, the past movement of a stock is not a reliable indicator of whether it will go up or down in the future.

So, even when you have been able to observe something firsthand, you must still employ your powers of reason. In the stock-market example, a detailed knowledge of a company's industry and its products, profit margins, earnings, management, etc. are much more important when it comes to drawing an inference about the future performance of its stock.

Thus, the greatest obstacle when it comes to drawing solid inferences is the avoidance of false assumptions. It's interesting to note that, by definition, an assumption is something taken for granted or accepted as true without proof.

In other words, an assumption is a supposition. Which is why, if you rely on your reasoning powers to draw an inference, you have to make certain that your reasoning isn't based on one or more false premises or assumptions.

False premises and assumptions come in many forms, but the absolute worst is the a priori argument. Ideologues love to begin their arguments with an a priori statement (a statement not supported by facts). You have undoubtedly noticed that most political debates are saturated with suppositions based on false premises.

Put another way, politicians are masters when it comes to positing a conclusion as a premise – i.e., a starting point. I include this cute little tactic in my list of the "Ten Dirty Tricks of Debating," And I highly recommend that you steer clear of people who employ it as it can lead to the dismantling of sound judgment.

It has been my observation that most of the blunders made in the business world are due to unfounded assumptions. Not just major mistakes, but those little day-to-day irritants such as packages failing to get mailed … or getting mailed to the wrong address … or getting mailed with the wrong contents.

But assumptions go way beyond simple business mistakes. They can, in fact, lead to fatal errors. If you cross the street at an intersection and assume that the driver of an oncoming car can see you, you may not live to realize that you were wrong.

On a macro scale, an example of a false assumption leading to a false inference would be the near-unanimity of opinion that computers would dramatically reduce the amount of paper we use. Virtually everyone held this view in the early years of the "Computer Age," based on the assumption that people would not be inclined to print out much of their work.

But this widely held assumption turned out to be dead wrong. Instead, computers have had the exact opposite effect and have drowned us in a sea of paper beyond anything we could have previously imagined.

You can't do anything about such macro inferences. The only inferences you can control are your own. And when it comes to drawing inferences, your success ratio will be pretty much in line with the accuracy of your powers of reason and the soundness of your intuition.

Intuition is a "gut" feeling – or "sixth sense" – that you have about something or somebody. Reasoning power and intuition are your best allies when it comes to drawing an inference, whether it involves love, finances, spirituality, or just about any other aspect of life.

Again, the three methods of verification – in order of preference – are experience, inference, and authoritative sources. But, like it or not, inference is the source of verification you must rely on a majority of the time.

That being the case, you would be wise to make it a habit to constantly question your inferences. Are they based on firsthand experience? If so, your success rate is going to be very high, provided you mix that experience with a generous dose of sound reasoning. Or are they based on reason alone? If so, your success rate will pretty much coincide with the accuracy of your powers of reason. And that accuracy will often be dependent upon how addicted you are to relying on premises based on assumptions.

Making unfounded assumptions is a hard habit to break, but so is smoking … and both of them can kill you.

If all this sounds a bit confusing, don't worry. It confuses me as well. Experience, inference, authoritative sources, premises, assumptions … and how they all fit together. It's very heavy stuff. It's a lot to think about, but well worth the effort because it plays a major role in how your life will turn out.

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ETR Insider Report: How I Came to Write My First Book

By Jon Herring

Early last year, I walked into Michael Masterson's office with an article I had written about the health benefits of sunlight. His immediate reaction was, "Of course, the sun is good for you. Think about how it makes you feel. But is there any science to prove it?"

And so our conversation began. I told Michael about the overwhelming scientific evidence that moderate sun exposure benefits virtually every aspect of our physiology. That it:

reduces our risk of cancer, heart disease, and diabetes

increases our muscular strength

improves the oxygen-carrying capacity of the blood

improves lung function

strengthens our bones and our immune system

I told him about the REAL causes of skin cancer … and the fact that sunlight actually helps to prevent the deadly skin cancer melanoma. I also told him that as much as 90 percent of the population is deficient in vitamin D at least part of the year (a national disaster happening in slow motion).

He said, "People have to have this information. I want you to write a report about it."

And so I did.

I set out to put together a quick, short report on the subject. But there was so much to tell … and the subject matter is so important … that I couldn't stop there. And that is how I came to write my soon-to-be-published book, The Healing Power of Sunlight: The Vital Connection Between the Sun and Your Health.

Today's Action Plan

Right now, we are putting the finishing touches on Jon's book – and you're going to be hearing a lot more about it in Early to Rise in the weeks to come. In the meantime, spring is here. So take a few minutes each day to enjoy the healing power of sunlight. It will boost your spirits … and improve your health!

It's Good to Know: About the Bible(s)

By Michael Masterson

I thought you might be interested in some of the things I've been reading about the Bible …

Christ never wrote anything (except on sand). Nor did he tell his disciples to do so.

When St. Paul in his letters quotes Hebrew scripture, he refers to the Septuagint, a Greek translation of it. The Septuagint contained several books (Tobit and first and second Maccabees) that were not included in the Hebrew Bible.

The Septuagint became the basis of the Christian Old Testament. Luther demoted these books as "apocrypha" – which is why Protestants and Catholics have different Bibles.

Neither Matthew, Mark, Luke, nor John believed they were writing sacred scripture. They were explaining Christianity to different audiences.

It took the church almost four centuries to go through all these documents and come up with an official canon. Although the four gospels of Matthew, Mark, Luke, and John as we know them today were accepted as authentic, others (such as the Gospel of Thomas) were rejected.

There was great debate about whether the Old Testament should be included before it finally was.

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Word to the Wise: Ideologue

An "ideologue" (EYE-dee-uh-log) is an advocate of a particular ideology, especially an official exponent of that ideology.

Example (as used by Robert Ringer today): "Ideologues love to begin their arguments with an a priori statement (a statement not supported by facts). You have undoubtedly noticed that most political debates are saturated with suppositions based on false premises."

Michael
Masterson
Copyright ETR, LLC, 2006

Have a Question for Michael Masterson?

Want to know the secrets to his success? Have a perplexing business problem? ETR welcomes your thoughts. Post them online at  http://speakoutforum.com/forum/

or send questions directly to Support@EarlyToRise.Com

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.)

_____

To
unsubscribe, Click
here

To
change your email address, Click
here

To cancel or for any other subscription issues, write
us at:

Order
Processing Center
Attn: Customer Service
P.O. Box 925
Frederick, MD 21705

_____

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