The Most Overlooked Small-Business Opportunity…

Wednesday, May 31st, 2006

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

www.earlytorise.com
Message #1743
Wednesday, May 31, 2006

WEALTHY:
Will that purchase make you richer or poorer? (Michael
Masterson)

HEALTHY:
One reader "weighs in" on weightlifting and jogging

WISE:
Jef I. Richards on the potential of Internet marketing

ALSO
IN THIS ISSUE:

Going "global" with
a local service (Ken Evoy)

Madonna,
Tom Hanks … or you?

Add
the word "ukase" to your vocabulary

Attention
ETR readers: I've got some bad news and some good news…

The
bad news: We are currently moving offices, so
please be patient with us during our 1/2 day transition.
Business will resume as usual at noon, Wednesday, May 31,
2006, where you may reach us at support@earlytorise.com or
at (866) 344 – 7200.

The
good news: While we are busy moving, you can take
advantage of up to 65% savings on some of ETR's top programs! Be
sure and visit our moving sale offer before it ends at.

*
Highly Recommended *

Do
You Need To Start Out Small?

If
you don't have an Internet business yet, or if your company
is smaller than $1 million then you need something different…
something that lets you start off small.

One
man I know turned $10 into over $500,000. How's that for
starting small!

Let
me show you how to get a similar Internet income stream
running for almost nothing.

-
Patrick Coffey

Two
Questions to Ask Yourself Whenever You're About to Buy
or Sell Anything

By
Michael Masterson

Here's
an important thing to know. (And if you can remember this
for the rest of your life, it will always help you make good
financial decisions.) When you buy something, you
are almost always immediately poorer. When you buy a new
BMW, for example, it depreciates (loses value) the moment
you drive it out of the showroom. Investing in something
– such as a stock portfolio – is a purchase, too. The difference
is that cars are usually depreciating assets (losing value
over time) whereas stocks – good stocks, at least – are appreciating
assets (increasing in value over time).

Every
time you get yourself into a buy/sell transaction, ask yourself
these two questions: "What am I doing right now in terms
of my wealth?" and "Am I getting richer or poorer?" Forget
for a moment how the transaction makes you feel emotionally
– because that can change. Focus on the impact it has on
your wealth (net worth). If you can teach yourself to ask
these questions habitually, you will make much wiser decisions.

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

[Ed.
Note: Here's your chance to tell Michael Masterson what's
on your mind. What's the single most useful piece of advice
you've discovered in Automatic
Wealth for Grads ... and Anyone Else Just Starting Out?
And how have you used it in your pursuit of wealth and success?
Let us know at MostPowerfulSecret@ETRFeedback.com ...
and maybe you'll see your name in print in a future issue
of ETR.]

"The
Internet holds immense potential as a marketing tool.
As an interactive medium that reaches around the world,
it promises an interpersonalization of advertising. As
mass communication becomes mass-interpersonal communication,
marketing efforts become more efficient, effective, and
extensive."

-
Jef I. Richards

The
Most Overlooked Small-Business Opportunity on the Net

By
Ken Evoy, M.D.

What's
the largest single segment of the economy that (up to this
point) has virtually missed the Net?

SERVICES!

Yes,
the service-selling opportunity is the most overlooked small-business
opportunity on the Net.

As
a service seller, you could be a …

personal
trainer

copywriter

database
programmer

Japanese
art specialist

caterer

photographer

graphic
artist

chimney
cleaning and fireplace installation expert

financial/investment
specialist

travel
consultant

import/export
specialist

pharmaceutical
expert

translator
(Do you know two languages?)

Depending
on the kind of service you sell, you could have local clients
… or you could work for anyone in the world.

Because
it's not immediately obvious, let's take a close look at
what the Net can offer both global and local service sellers.
Let's start with …

Global
Service Sellers

Obviously,
anyone with a global-based service stands to gain a lot by
having a Web presence. For example, one of our Site
Build It! clients, Karen Copeland, sells South
African golf tours over her website. Karen has had a huge
response – especially considering that her site has a very
specific target market. In fact, her first query came from
a 20-person outfit in the U.S.

There
is another attractive aspect to selling your services on
the Net. A single client can bring in substantial dollars.
So techniques like mastering the search engines, paid-inclusion
programs, listing in directories, and running massive pay-per-click
campaigns can give you a terrific ROI (return on investment).

Let's
consider "mastering the search engines."

The
keywords your prospective client perceives to be important
to your business are the ones that must appear in the Top
10 search positions in the search engines. Without a Top
10 position, you won't be found!

Here's
the "in a nutshell" way to get yourself a Top 10
position …

Build
lots and lots of Keyword-Focused Content Pages, all within
a Theme-Based Content Site. The theme, of course, is tightly
related to the service you are selling.

These
pages must also convince your prospective client that you
are trustworthy. Think about it. Anytime you hire someone,
what do you need to know before you sign the agreement?

Are
they good?

Are
they honest?

Is
their work competitively priced?

Are
they easy to work with?

And
so on, and so on …

The
visitors to your site will be asking the same questions.
A prospective client will have to feel very confident in
your abilities before s/he hires you, especially if you are
halfway across the globe!

But
what if your service has a strictly local client base? After
all, if you sweep chimneys and install fireplaces, you won't
fly from New York to Paris to do the job. So let's take a
look at …

Local
Service Sellers

As
I just said, your chimney cleaning and fireplace installation
service is not likely to be of interest to anyone outside
of a 1-hour driving radius. So why bother advertising via
a global medium like the Internet when your business is very
obviously local?

A
whole lot of good reasons come to mind …

1.
First and foremost, compared to "regular" advertising,
an Internet presence is cheap, cheap, cheap – under a dollar
a day.

2.
An Internet presence gives you the edge over your local competition.
It allows potential local clients to learn about you at their
convenience. In the absence of a word-of-mouth recommendation,
your business is on an even footing with every other competitor
listed in the Yellow Pages. By maintaining a website, your
visitors can get to know you, trust you, and ultimately hire
you.

3.
Considering the value of a single new lifelong customer,
and the offline word-of-mouth "buzz" that s/he
creates, your business stands to lose by not maintaining
a Web presence.

4.
Like the global service seller, the local service seller
can leverage an Internet presence to create multiple streams
of revenue that ARE global in nature. For instance …

The
articles about fire safety that you post on the website for
your chimney/fireplace service will appeal to more than just
your local community. They'll have a worldwide audience of
people who will click onto your site just to read them. By
partnering up with related non-competing merchants (retailers
of fire extinguishers, smoke alarms, carbon monoxide detectors,
and so on), you can turn this traffic into a commission-based
revenue stream.

You
can also leverage this global presence by selling your own
e-book – maybe something like "The A to Z Guide to Fireplace
Installation for Do-It-Yourselfers."

Local
or global, smart use of the Net can only benefit your service,
no matter what it happens to be.

[Ed.
Note: Ken Envoy, M.D., is a Netreprenuer and president of
SiteSell.com, a service that helps small businesses develop
an effective Web presence by using the Site
Build It program.]

Today's
Action Plan

72
percent of American households are interested in starting
their own Internet business. If you're one of them, you should
join us in Chicago
in July for our five-day Internet Business-Building Workshop based
on Ken Envoy's Site
Build It program. Even if you walk in with nothing
but enthusiasm – no product, no marketing skills, no technical
know-how – you'll walk out with your own online business
less than seven weeks from today.

*
Highly Recommended *

$5
Billion Dollars in Energy Assets… Going for Pennies on
the Dollar

As
you know, the markets both here and abroad have taken a drubbing
over the last two weeks. Small caps are down 7%. The international
index is off 9%. Emerging markets have fallen 10%. And natural
resources and energy stocks have gotten sheared as well.

Of
course these are the stocks that have risen the most during
the last 24 months, so this latest correction was widely
expected. It's just that nobody knew when it would come.
Now that the volatility has arrived, the question is: what
to do? Here's what I suggest.

As
always, you should invest with a plan. When you buy a stock,
you should already know at what level you would sell that
stock. Monitor your stops and get out if you hit them.
Invest
in companies that are deeply undervalued.
Invest
in market sectors that are in a long-term up trend.

Despite
this latest, much anticipated correction, natural resource
and energy stocks are in the midst of a long-term bull market.
And in this fast-rising sector, I have found one of the most
deeply undervalued companies I have ever run across. It's
a company that is sitting on BILLIONS of dollars worth of
energy assets… and yet it's valued at less than $90 million.

This
is like a pile of money, just waiting to be picked up. I
highly recommend you learn more about this company.

Andrew
Gordon
Investment Director
The Wealth Advantage

Reader
Feedback: "Kudos to you for exposing the truth to
achieving the body you desire."

In
response to Michael Masterson's article, "The
Best Exercise Routine Ever, Part 1," you
are right on the money! I am a fitness professional with over
25 years experience, and own and operate a private personal
training studio. To give credit to my peers as well, many personal
training studios have a very different approach to the common
health clubs out there that want to make use of all their expensive
exercise machines.

I too have experienced and witnessed many joggers and weightlifters
fall prey to the traditional forms of exercise. The joggers
look very unhealthy with poor postural problems and are riddled
with injury. The weightlifters fall into the trap of being
overdeveloped in some areas of their bodies, underdeveloped
in other areas, and also riddled with injury.

Personal training studios offer more updated and effective
forms of exercise than most health clubs. Part of the reason
is that personal training studio owners cannot afford tens
of thousands of dollars on fancy equipment. The other part
is that we focus on client results, and not just sales alone.

So, we make do by incorporating other modalities using one's
bodyweight, medicine balls, tubing, and sports tools like mini-hurdles
and ladder drills. All of which work on balance, agility, strength,
cardiovascular conditioning, and the all-important core musculature.
Our clients also reap better results with a body that is usable
in both
everyday movements as well as sport/adventure activities.

So kudos to you for exposing the truth to achieving the body
you desire that can also perform when needed.

Robert Garza
Deerfield, IL

It's
Good to Know: Always Get a Table

By
Suzanne Richardson

You
call a restaurant weeks in advance to book a table … and
they're already full. Or so they say …

According
to a recent New York Times article, many restaurant
owners may be intentionally reserving tables until the last
minute. Manhattan restaurateur Danny Abrams (who owns The
Red Cat with partner Jimmy Bradley) told the Times that
he sometimes reserves 20 percent of their tables until the
final hours. This way, if Madonna, Tom Hanks, or the chef's
mom shows up at 8:00 on a Saturday night, they won't have
to turn them away.

But
guests of honor don't usually show up unexpectedly. So, with
that in mind, you should always be able to get a
table at your favorite establishment – even if you wait till
the last minute. Here's how:

Become
a regular. As Michael Masterson has said,
if you're a familiar face to the wait staff and managers,
you could score a prime table while other would-be
diners are turned away at the door.

Be
persistent. Cancellations happen all the time,
and you may be able to sneak into a newly vacated slot.

Just
show up. Be prepared to wait a bit, and you
could find yourself taking the table of a last-minute
no-show.

Try
an online reservation service. Sites like DinnerBroker.com and OpenTable.com allow
you to check table availability at restaurants nationwide
– and make a reservation for free.

*
Advertisement *

The
7 most dangerous lies your doctor's telling you (even if
he doesn't know it)…

In
the next 22 minutes, 100 Americans will die under the care
of sincere conventional MDs. And one of them might be YOU.

Save
yourself a lot of pain, money – and maybe even your own life. Get
the real story here, right now…

Word
to the Wise: Ukase

A "ukase" (yoo-KAYS)
– from the Russian "ukaz" – is any order or decree
issued by an authority.

Example
(as used by Arthur Laurents in Original
Story By): "I took a playwriting course
from the noted Prof. A. M. Drummond, a huge man on crutches who
right off the bat delivered a ukase never to
begin a play with the telephone ringing."

Michael
Masterson
Copyright ETR, LLC, 2006

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A Simple Nutritional Formula for Heart and Brain Protection

Tuesday, May 30th, 2006

Homocysteine, an amino acid produced by your body, serves several important functions. But once its job is done, it is meant to be broken down and eliminated. If it’s not, it builds up and begins to attack your blood vessels. This paves the way for heart disease, stroke, cognitive decline, and eye problems. And a recent study in the New England Journal of Medicine suggests that too much homocysteine can also lead to brain degeneration – similar to that found in Alzheimer’s patients.

But the good news is … there’s a highly effective nutritional solution to normalize elevated homocysteine levels.

Several nutrients are required to break down homocysteine. If you’re deficient in them, there is a good chance your homocysteine levels are elevated. These nutrients include folate, vitamin B6, vitamin B12, and N-acetyl cysteine (NAC). A good multi-vitamin should have plenty of the first three, and you can find NAC at any health food store. It is a safe, inexpensive, and highly beneficial supplement.

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What F. Scott Fitzgerald Can Teach You

Tuesday, May 30th, 2006

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

www.earlytorise.com
Message #1742
Tuesday, May 30, 2006

WEALTHY:
Can't decide on a career? This will help … (Michael
Masterson)

HEALTHY:
Red grapefruit … white grapefruit … does it matter?

WISE:
Keith David on publicity

ALSO
IN THIS ISSUE:

Making
money by taking the "wrong" side (Bob Bly)

Dave
stole my thunder! (Kam Weiler)

Add
the word "bumptious" to your vocabulary

*
Highly Recommended *

Your
Invitation to Join a Small Group Of "Freedom Fighters"
In Our Nation's Heartland This July

Your
five day mission: Reclaim your personal liberty… declare
your self-reliance… and seize financial independence forever.

This
July 12th to 16th, we're going to take a small group of ETR
readers and work alongside them to build their
own Internet business – the whole shebang, from soup to nuts
– in an intensive, 5-day, business-building program like
nothing we've ever done before.

You're
going to walk in with nothing – no product, no marketing
skills, no technical know-how – and you'll walk out with
your own online business

What
you will learn flat-out works. You will build a professional,
popular, and profitable REAL Internet business. When
you walk out the door, you'll be super-prepared
for success in a way that very few entrepreneurs ever are,
online or off.

ETR's Internet Business-Building Workshop is
going to deliver success. Actually, it will OVER deliver.
And your success, of course, is the bottom line. Sound
good?

Okay,
then let's get going… let's build something that WORKS…
your own, REAL Internet business.

We've
just released the full details.

-
Patrick Coffey

How
to Pick a Career Path

By
Michael Masterson

If
you don't know what you want to do, then you are going to
experience a certain amount of psychological discomfort with
any job you have. The problem isn't the job, it's your lack
of direction. My advice: Keep working and saving while you
are developing an ambition.

How
do you develop an ambition if you don't have one? That's
a subject big enough for an entire book – one that I wouldn't
do a very good job of writing. But here are just a few ideas
to get you started.

1.
Think back to your childhood. What did you want to do then?
Is there still a spark of something left? Could it be ignited?

2.
Be honest with yourself. Do you have a secret goal that you
are not admitting to anyone, perhaps not even to yourself?
Are you embarrassed to admit that what you really want to
do is play professional tennis or dance on Broadway? Let
that ambition out of the closet. Even if you lack the resources
to accomplish it completely, there are all sorts of adaptations
you can probably make that would suit you just fine.

3.
Spend as little time as possible watching television and
playing video games. They steal your time and deaden your
imagination. There will be plenty of time to waste on those
things once your career is in place. Right now, you owe your
life some focused attention.

If
you've plumbed the depths and come up with nothing, don't
panic. What I've discovered about career happiness is this:
It comes from working hard on something you care about. And
there are so many things in life you can learn to care about
… from pets to police work to poverty. Keep your mind and
heart open to the possibilities and something will come.

(Source:
Michael Masterson's newest book, Automatic
Wealth for Grads … and Anyone Else Just Starting Out.)
[Ed. Note: Have you already read Automatic
Wealth for Grads ... and Anyone Else Just Starting Out?
Let Michael know how it's helped you. What's the single most
useful piece of advice you discovered in the book? And how
have you used it in your pursuit of wealth and success? Let
him know at MostPowerfulSecret@ETRFeedback.com ...
and maybe you'll see your name in print in a future issue
of ETR.]

"It
can't hurt, publicity is publicity, controversy and all
that, it's all good."

-
Keith David

What
F. Scott Fitzgerald Can Teach You About Getting Free Publicity

By
Bob Bly

F.
Scott Fitzgerald, author of The
Great Gatsby, was smart enough to understand
and articulate one of the most powerful public relations
(PR) techniques ever developed. The technique is "controversy" -
getting attention for yourself, your business, or your product
or service by focusing on an emotional, important, or timely
issue … and taking sides.

It
works best if your opinion is contentious – that is, if you
disagree with the most widely held view. As Fitzgerald put
it: "The cleverly expressed opposite of any generally
accepted idea is worth a fortune to somebody."

Marketing
expert Marcia Yudkin gives us a great example of this principle
in action. She writes about Bob Baker, who – with three colleagues
in the music business – collaborated on a press release titled "What's
Wrong With American Idol?"

"Their
press release criticized the popular U.S. talent show for
misleading aspiring musicians and the public about what it
takes to succeed in music," says Yudkin. "Baker's
reward for stirring up controversy: five radio interviews
that highlighted his status as an expert on careers in music."
So, how can you use this principle in your PR to get media
attention?
Yudkin suggests you can do it by taking issue with a survey
result … disagreeing with a common belief … counteracting
a stereotype … championing an underdog … exposing flaws
in something assumed to be beneficial … or describing the
underside of something popular.

Example: When desktop publishing software began selling in
large volume, thousands of businesspeople gained the ability
to design their own documents. During that time, a graphic
design consultant self-published a little book titled The
Awful Truth about Desktop Publishing. His premise was
that amateurs who use desktop publishing software without proper
training in design fundamentals risk producing sloppy, amateurish
documents. And the book got him significant publicity, as well
as a number of paid speaking engagements.

Another
variation of this technique is to make a prediction that
others disagree with.

Financial
guru Doug Casey did this in his 1979 best-selling book Crisis
Investing. The book, which took the position
that the country was on the brink of financial disaster,
was on The New York Times best-seller list for 29
consecutive weeks – taking Doug's career as a financial editor
and advisor to a whole new level.

I've
used this technique myself, though on a more modest scale
– and in my case, it was completely by accident …

In
marketing, there are a lot of consultants who make a living
selling unsuspecting clients on the hot new technology of
the month – even if the technology is unproven and has not
generated significant ROIs for any of the consultant's clients.
The consultant, of course, rakes in nice fees by speaking
and advising clients on how to jump on this new bandwagon
before others get wind of it.

Today,
that new marketing technology is probably podcasting. But
a year or so ago, it was blogging.

I
wrote an article for DM News (the weekly trade newspaper
of the direct-marketing industry) saying that blogs were
an unproven marketing medium and nothing to get excited about.

Not
knowing how evangelistic many bloggers are about their medium,
I was completely surprised when my article generated a massive
debate in the "blogosphere" (the nickname for the
universe of blogs), with most people saying I didn't "get" blogging.

Tad
Clark, who was Editor-in-Chief of DM News at the
time, said my article on blogging generated the most reader
response of any article they published that year.

What
I discovered (or, more accurately, re-discovered, since I
had known it but forgotten it), was the corollary to Fitzgerald's
law about controversy being profitable – and I am sure you've
heard it many times: "Even bad publicity is good publicity."

And
it's true.

If
you come out on one side of an issue, half the market will
revile you. But the other half will think you wise beyond
your years, and seek you out so they can do business with
a person of your obvious savvy.

Should
you worry about half the market rejecting you because of
your strong controversial opinions? Well, if half think you're
all wet … and half think you walk on water … that's a
50 percent market share.
I'll take that any day of the week.

If
you disagree with my opinion, why not write an article for
ETR to the contrary?

It
just might make you semi-famous and a little richer.

[Ed.
Note: Bob Bly is the editor of ETR's
Direct Marketing University: The Masters Edition,
a program to help you start your own successful direct-mail
business. Sign up for his e-zine, The
Direct Response Letter.]

Lowering
Cholesterol With Grapefruit

By
Jon Herring

Research
indicates that eating grapefruit can lower your LDL (bad)
cholesterol. And if it's red grapefruit … it's even better.

For
four weeks, Israeli researchers monitored 57 heart disease
sufferers who had failed to benefit from cholesterol-lowering
statin drugs. (Frankly, I didn't know there was a benefit
to these drugs.) A third of the subjects ate a white grapefruit
daily, a third ate a red grapefruit, and the remainder had
no grapefruit but did eat a standard, "heart healthy" diet.

Cholesterol
levels dropped in both groups that ate the grapefruit. But
those who ate the red grapefruit saw the greatest improvement,
by far. Their LDL cholesterol levels were reduced by an average
of 20 percent – double the response of the group that ate
the white grapefruit. Furthermore, the red grapefruit diet
was three times more effective at lowering triglycerides.

According
to Sheila Gorienstein, Ph.D., the author of the study, "Red
grapefruit is higher in antioxidants, which may explain the
difference in health benefits."

*
Highly Recommended *

'Spare
Time' Income that Could Add 7 Figures to Your Net Worth

The
key to successful real estate investing is learning how to
'buy right.' This means purchasing at or below market value
– in a neighborhood with a fast-appreciation potential -
for a price that allows the rental income of the property
to cover your carrying costs. (Even if you don't intend to
rent it out.)

So,
if you first learn how to 'buy right'… then how to borrow
right… you will have a world-class one-two punch that will
win you the financial crown you've always dreamed of. Better
yet, when you learn how to do these kinds of deals not just
once but two, three, or four times a year – in your spare
time – you can rapidly add seven figures to your net worth
and thousands to your monthly income every year. For more
information on 'buying right,' click
here.

ETR
Insider Report: Condo Idea Preempted

By
Kam Weiler

A
couple of months ago, I approached Justin Ford, editor of Main Street Millionaire,
with what I thought was a breakthrough idea for a new ETR
real estate product: "How to Do a Profitable Condo Conversion."

I
came up with the idea because I own a duplex in Austin,
Texas that I think is a perfect candidate for dividing and
selling as individual condos … but I have no idea how to
do it.

I
looked all over the Internet and in bookstores, but I couldn't
find any decent information. In the meantime, developers
in my area are making a killing converting large apartment
complexes into condos.

Justin
agreed that it was an interesting idea, and we decided to
find an expert to help us create a special report on the
topic. Imagine my surprise when I got an e-mail from Justin
the next day saying we'd been beaten to the punch. It turned
out that Dave Lindahl (whose articles on investing in apartment
houses you may have seen in ETR) was about to release a brand-new
program on doing condo conversions.

To
be honest, I was a little disappointed that Dave "stole
my thunder." But on the other hand, I now have the perfect
resource to learn how to do my own conversions. (For openers,
you know I'll be listening in to hear what Dave
has to say in our upcoming teleseminar on condo conversions.

[Ed.
Note: Kam Weiler, contributing editor for Main Street Millionaire,
ETR's real estate investment success program, is a real estate
investor and licensed real estate agent in Austin, Texas.]

Today's
Action Plan

In Message
#1736, Dave Lindahl gave us a taste of what's
in store for everyone listening in on our upcoming
teleseminar. You may remember that Dave
believes we are in the infancy of the Condo Conversion
Era. "You have a choice," he said. "You
can sit on the sidelines and watch other people get rich
… or you can jump in and join in the joy."

Hear
what Dave has to say … and then decide if you want to take
advantage of this money-making opportunity.

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Word
to the Wise: Bumptious

Someone
who is "bumptious" (BUMP-shus)
is offensively self-assertive.

Example
(as used by George Vecsey in a New York Times article): "[David]
Wells did not meet his father until he was an adult, by which
time he had developed his own blunt, sometimes bumptious personality."

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

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?

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that Early to Rise gets delivered to your email box,
click below:http://www.earlytorise.com/whitelisting.htm

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Pay Yourself First?

Monday, May 29th, 2006

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

www.earlytorise.com
Message #1741
Monday, May 29, 2006
MEMORIAL DAY

WEALTHY:
Why I have 5 savings accounts (Michael
Masterson)

HEALTHY:
6 cancer-fighting veggies

WISE:
Owen D. Young on saving and spending

ALSO
IN THIS ISSUE:

Words
you can do without (Will Newman)

"Decoration
Day" – what's that?

Add
the word "serendipity" to your vocabulary

*
Highly Recommended *

Last
Chance!

This
is the last notice we will be posting for the final re-broadcast
of Dave Lindahl's wildly popular Condo Conversions tele-seminar.

Please
don't miss out on this one-of-a-kind discussion from one
of the nation's most successful multifamily investors on
the hottest trend in real estate today. He calls condo
conversions today's real estate "Sweet Spot" -where
you stand to make the most money with the least effort.

Sign
up Now for the Re-broadcast Wednesday,
May 31st at 7:00 pm EST.

"We
are not to judge thrift solely by the test of saving
or spending. If one spends what he should prudently save,
that certainly is to be deplored. But if one saves what
he should prudently spend, that is not necessarily to
be commended. A wise balance between the two is the desired
end."

-
Owen D. Young

Pay
Yourself First?

By
Michael Masterson

"Pay
yourself first" is a popular catchphrase among financial
planners. It's been in use for many years, but has been re-popularized
recently by David Bach, author of the "Start First,
Finish Rich" series of books.

The
idea, in a nutshell, is that you make saving your top priority.
Before spending money on anything else, you take care of
yourself by socking away money in a tax-deferred personal
investment account. But what people actually do is very different.

The
serendipitous spenders:

Most
people – perhaps 60 percent to 70 percent – never "pay
themselves" at all. Stimulated by Hollywood and assisted
by the credit card industry, these future financial losers
live their lives according to the mantra "He who dies
with the most toys wins." They may keep current on
their necessary expenditures – on food, housing, and utilities
– but while doing so, they bury themselves in debt. Although
they talk about putting aside money for a rainy day, something
else always unexpectedly comes up that they would rather
spend it on.

The
bumbling budgeters:

A
sizeable minority of people – 20 percent to 30 percent – "pay
themselves last." These are the sensible people who
create and follow budgets. They add up how much they make,
figure out how much they owe, and calculate their monthly
expenditures. By attempting to budget their anticipated inflows
and outflows, they create – at least in theory – a surplus
of cash at the end of each month that can be devoted to savings.
What happens, of course, is that no surplus ever emerges.
Problems and opportunities inevitably arise, draining away
every cent they intended to save.

The
true wealth builders:

Only
the smallest number of people "pay themselves first." Using
extraordinary self-discipline – or the help of an automatic
withdrawal and deposit program – these wealth builders set
aside money for savings well before they pay any bills. By
making personal investing a priority, they force themselves
to conserve where they need to conserve … in their discretionary
spending.

I
spent the first 26 years of my life as a serendipitous spender.
Then I got married and moved up to the bumbling budgeter
class. In 1980, K and I had our first child – and it was
time, I knew, to get serious about money. Only then, at age
30, did I become a serious wealth builder.

During
the first several years of being serious about money, I discovered
several important lessons that have proven useful ever since:

Lesson
1. Budgets are like diets in three respects.

a.
You start them only after things have spiraled out of control.
b. They make you feel very good about yourself for a while.
c. After three or four weeks, you abandon them and go back
to what you were doing.

Lesson
2. You can't save unless you get hold of your
spending habit, and you can't do that unless you delegate
the spending decisions to some sort of automatic system.

Budgets
(like diets) usually don't work because most people don't
have the discipline to adhere to them. You know very well
that you need to stow money in that mutual fund account every
month. But when the time comes and you can use the money
to buy a set of golf clubs or a weekend at the spa … doing
the right thing isn't easy.

Don't
torture yourself to make the sensible decision. Instead,
leave that decision to someone who won't be tempted by toys.
In my case, that person was initially K. Then, when automatic
debits became available, it was my banker.

I'm
a big believer in automatic payment plans, especially for
bumbling budgeters and serendipitous spenders. Today, you
can pay for just about everything automatically – from grocery
and gas bills to car loans and mortgages … and even to
past college loans and future college tuition.

Lesson
3. When it comes to saving, multiple accounts
often work better than one.

When
K and I started saving, we arbitrarily allocated about 15
percent of my gross salary to an investment account. A year
later, my old junker broke down and we decided to buy a new
car. The question was: Should we finance it or pay for it
out of our savings? It would have been cheaper to buy it
outright with cash, but we felt uneasy about depleting our
fledgling savings account.

A
common problem among people who are learning to save is determining
what comes out of savings and when. Our solution, after several
years of trial and error, was to set up five distinct accounts.

Account
No. 1 – for the tax man

Say
what you like about the tax man, he won't take "no" or "manana" for
an answer. Rather than waste your time and energy trying
to figure out how to keep him from getting what he wants,
you are better off "paying" him first – either
with employer-mandated wage deductions or self-imposed set-asides.

When
K and I began saving in a serious way, I was earning both
a salary and money on the side as a freelance writer. The
taxes I owed on my salary were withheld – but I knew that
if I didn't set aside some of my freelance income for Uncle
Sam, I'd end up with a big, fat tax bill when April 15 rolled
around. Since we didn't want to be in a position where we'd
have to dip into our savings to pay the IRS, we opened up
a bank account just for the purpose of paying income taxes.
Every time I received a payment for my writing, K would write
a check for a percentage of that (depending on our tax bracket)
and immediately deposit it in the account. This is a practice
I have continued to this day, even though I no longer have
to worry about ever running short.

Account
No. 2 – to pay off debt

Paying
off several thousand dollars worth of credit card debt was
our next item of importance. So K and I cut up our cards
and set up an account earmarked to systematically pay off
our balances … every month, like clockwork.

Account
No. 3 – for our retirement

Although
retirement seemed eons away, K and I recognized that unless
we made it a priority to invest some money in an IRA before
anything else, we'd probably never get to it.

Account
No. 4 – for our children's tuition

The
next priority was to put away money for our children's college
education. K and I decided that we'd pay the cost of tuition
at a state school and our kids could work to pay for everything
else: room, board, and entertainment.

Account
No. 5 – for our dream house

We
were renting at the time, but we wanted to own. So we set
up yet another bank account to hold deposits that would one
day fund a down payment and closing fees.

It's
interesting to note that we put the account for the thing
we were most eager to have – a new house – at the bottom
of our list of priorities. We gave top priority to paying
the IRS and the bankers. Next, we focused on retirement,
which seemed very remote. And then on something that seemed
unnecessary at the time: tuition for our kids.

In
retrospect, I can see that this is the right way to establish
your financial priorities: Give top priority to saving for
those things that would be easiest to avoid, yet cause you
the most pain. Pay the government first, the banks second,
and your retirement account third. Only after taking care
of these three financial obligations should you sock away
money for your kids' tuition, your house, and (last and also
least) the fun and games.

Today's
Action Plan

What's
your system for saving money? If you don't have a system,
put one in place this week. Use Michael's as a guide, but
adapt it to your own specific needs.

*
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

Cabbage
vs. Breast Cancer

By
Jon Herring

When
Polish women migrate to the United States, their risk of
breast cancer goes up three-fold. Dr. Dorothy Pathak, head
researcher for the Polish Women's Health Study, suggests
that the reason they are so well-protected in their home
country is because they eat so much cabbage there. When she
and her colleagues examined and compared two groups of women
and their diets, they found that those who consumed raw or
slightly cooked cabbage more than three times per week had
a significantly reduced risk of breast cancer. Cabbage cooked
for a long time had no effect on breast cancer risk.

Previous
research has shown that glucosinolates found in cabbage inhibit
both the initiation and the spread of cancer. Cauliflower,
broccoli, Brussels sprouts, kale, and collard greens are
also rich sources of this compound, and appear to offer the
same protection.

Reader
Feedback: "I trust you and believe in what you are
doing"

"I've
been reading Early to Rise (and purchasing some
of your great products) for over a year now. And I'm never
disappointed. No matter what the subject matter, your newsletter
is always filled with great content.

"And
I also appreciate Michael putting himself on the line
with what he believes. With all the marketing super-hype
elsewhere, it's refreshing to say I trust you and believe
in what you are doing."

Judith
Sherven, Ph.D.
New York, NY

Don't
Let Unnecessary Words Weaken Your Writing

By
Will Newman

You
can make your business and personal writing stronger simply
by eliminating unnecessary words. Your rule of thumb should
be: "If eliminating the word doesn't change the meaning
… take it out."

These
are the most common offenders to be on the lookout for:

1.
That

Instead
of "He said THAT policosanol is …", say "He
said policosanol is …"

2.
Of

Instead
of "The report OF mine is on your desk," use the
possessive: "My report is on your desk."

3.
Up

Instead
of "Oil rigs had to be closed UP after the hurricane," avoid
the awkwardness of two prepositions in a row with "Oil
rigs had to be closed after the hurricane."

4.
Down

Instead
of "The stock market will drop DOWN because …",
say "The stock market will drop because …"

5.
Together

Instead
of "The stockholders gathered together to vote," say "The
stockholders gathered to vote …" (somewhat better),
or "The stockholders met to vote …" (even better),
or "The stockholders voted …" (best).

[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 writing and marketing secrets, tips,
and insights.]

It's
Good to Know: Memorial Day

While
you're enjoying your day off, take a few moments to remember
the real reason we're celebrating Memorial Day. (No, it's
not to mark the beginning of the summer barbecuing season.)
The holiday was established in 1868 to honor Union soldiers
who died during the Civil War. Since WWI, though, it's been
a day to remember all U.S. men and women killed or missing
in action in all wars. It was originally called "Decoration
Day," because it was observed by (among other solemn
rituals) decorating the graves of the dead.

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Here's
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Word
to the Wise: Serendipity

"Serendipity" (ser-un-DIP-ih-tee)
is finding something unexpected and useful while searching
for something else entirely.

Example
(as I used it today): "I spent the first 26 years of
my life as a serendipitous spender."

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

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

_____

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When Bigger Is Better

Saturday, May 27th, 2006

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

www.earlytorise.com
Saturday, May 27, 2006
Message #1740

WEALTHY:
Why settle for 2 instead of 10?

HEALTHY:
Is your blood pressure really that high?

WISE:
Andy Warhol on making changes

ALSO
IN THIS ISSUE:

Work
time vs. family time (Brian Tracy)

5 "must-read" books
(Michael
Masterson)

Add
the word "coxcomb" to your vocabulary

*
Highly Recommended *

Take
a 5-Day "Summer Vacation" With Early to Rise
And Return Home with Your Own REAL Internet Business

This
is the one you've been asking for… and now the details
are finalized.

Join
us in Chicago for five days this July 12th to 16th, and together
we'll start your own real Internet business,

We
won't give you "feel good" stuff that leaves you
pumped… and nowhere to go after.

We
won't give you knowledge you can't use (although you will
know infinitely more that you'll use as your business grows).

What
you will learn flat-out works. None of it is hype. You will
build a professional, popular, and profitable REAL
Internet business. When you walk out the door, you'll
be super-prepared for success in a way that very few entrepreneurs
ever are, online or off.

ETR's Internet
Business-Building Workshop is going to deliver
success. Actually, it will OVER deliver. And your
success, of course, is the bottom line. Sound
good?

Okay,
then let's get going… let's build something that WORKS…
your own, REAL Internet business.

We've
just released the full details.

- Patrick
Coffey

When
Bigger Is Better

By
Andrew Gordon

Instead
of investing in only a couple of great stocks – and missing
out on other potential big winners – why not invest in all your
top choices?

Here's
how to do it with the least risk …

Let's
say you've found 10 companies with substantial upside. Divide
your hypothetical 10-company portfolio into two groups. Group
1 should include the companies with the highest upside. Just
as important, none should be likely to head south (given
their track record and the market they're in). Group 2 should
include the companies with either lower upside or bigger
downside than those in the first group. Either way, you're
not getting enough potential gain for the risk you'd be taking.

If
you have $90,000 to spend on this 10-company portfolio, spend
two-thirds of it (twice as much) – $60,000 – on the first
group and one-third – $30,000 – on the second. This way,
if any of your big winners emerge from the second group,
you participate in the profit … and you still have time
to put more money into these high flyers.

Then
sit back and watch your money pile up.

(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 Andrew's specific "finds" -
companies that have the very real potential of giving you
up to 1,000 percent on your investment.)

"They
say that time changes things, but you actually have to
change them yourself."

- Andy
Warhol

Managing
Your Time

By
Brian Tracy

Perhaps
the greatest problem that people have today is "time
poverty." Working people have too much to do and too
little time for their personal lives. Most people feel overwhelmed
by responsibilities and activities, and the harder they work,
the further behind they feel. This sense of being on a never-ending
treadmill can cause you to fall into a reactive/responsive
mode of living. Instead of clearly deciding what you want
to do, you continually react to what is happening around
you. Pretty soon, you lose all sense of control. You feel
that your life is running you, rather than you running your
life.

On
a regular basis, you have to stand back and take stock of
yourself and what you're doing. You have to stop the clock
and do some serious thinking about who you are and where
you are going. You have to evaluate your activities in the
light of what is really important to you. You must master
your time rather than becoming a slave to the demands of
a constant flow of events. And you must organize your life
to achieve balance, harmony, and inner peace.

Taking
action without thinking is the cause of every failure. Your
ability to think is the most valuable trait that you possess.
If you improve the quality of your thinking, you improve
the quality of your life – sometimes immediately.

Time
is your most precious resource. It is the most valuable thing
you have. It is perishable, it is irreplaceable, and it cannot
be saved. It can only be reallocated from activities of lower
value to activities of higher value. All work requires time.
And time is absolutely essential for the important relationships
in your life. The very act of taking a moment to think about
your time before you spend it will begin to improve your
personal time management immediately.

I
used to think that time management was only a business tool,
like a calculator or a cellular telephone. It was something
that you used so that you could get more done in a shorter
period of time and eventually be paid more money. Then I
learned that time management is not a peripheral activity
or skill. It is the core skill upon which everything else
in your life depends.

In
your business life, there are so many demands on your time
by other people that very little of it is yours to use as
you choose. However, in your personal life, you can exert
a tremendous amount of control over how you use your time.
And it is on this area that I want to focus.

Personal
time management begins with you. It begins with your thinking
through what is really important to you. And it only makes
sense if you organize it around specific things that you
want to accomplish.

You
need to set goals in three major areas of your life.

First,
you need family and personal goals. These are
the reasons why you get up in the morning, why you work
hard and upgrade your skills, why you worry about money
and sometimes feel frustrated by the demands on your time.

What
are your personal and family goals, both tangible and intangible?
A tangible family goal could be a bigger house, a better
car, a larger television set, a vacation, or anything else
that costs money. An intangible goal would be to build a
higher quality relationship with your spouse and children,
to spend more time with your family by going for walks, or
to read books. Achieving these family and personal goals
is the real essence of time management, and its major purpose.

Second,
you need business and career goals. These are
the "how" goals, the means by which you achieve
your personal "why" goals. How can you achieve
the level of income that will enable you to fulfill your
family goals? How can you develop the skills and abilities
to stay ahead of the curve in your career? Business and
career goals are absolutely essential, especially when
balanced with family and personal goals.

Third,
you need personal-development goals. Remember,
you can't achieve much more on the outside than what you
have achieved on the inside. Your outer life will be a
reflection of your inner life. If you wish to achieve worthwhile
things in your personal life and your career, you must
become a worthwhile person. You must build yourself if
you want to build your life. Perhaps the greatest secret
of success is that you can become anything you really want
to become to achieve any goal that you really want to achieve.
But in order to do it, you must go to work on yourself
and never stop.

Once
you have a list of your personal and family goals, your business
and career goals, and your self-development goals, you can
then organize that list by priority. This brings us to the
difference between priorities and posteriorities. In order
to get your personal time under control, you must decide
very clearly upon your priorities. You must decide on the
most important things that you could possibly be doing to
give yourself the same amount of happiness, satisfaction,
and joy in life. But, at the same time, you must establish
posteriorities as well. Just as priorities are things that
you do more of and sooner, posteriorities are things that
you do less of and later.

The
fact is, your calendar is full. You have no spare minutes.
Your time is extremely valuable. Therefore, for you to do
anything new, you will have to stop doing something old.
In order to get into something, you will have to get out
of something else. In order to pick something up, you will
have to put something down. Before you make any new commitment
of your time, you must firmly decide what activities you
are going to discontinue.

If
you want to spend more time with your family, for example,
you must decide what activities you currently engage in that
are preventing you from doing so.

A
principle of time management says that hard time
pushes out soft time. This means that hard time,
such as working, will push out soft time, such as the time
you spend with your family. If you don't get your work done
at the office because you don't use your time well, you almost
invariably have to rob that time from your family. As a result,
because your family is important to you, you find yourself
in a values conflict. You feel stressed and irritable. You
feel a tremendous amount of pressure. You know in your heart
that you should be spending more time with the important
people in your life, but because you didn't get your work
done, you have to fulfill those responsibilities before you
can spend time with them.

Think
of it this way. Every minute you waste during the waking
day is time that your family will ultimately be deprived
of. So concentrate on working when you are at work so that
you can concentrate on your family when you are at home.

There
are three key questions that you should continually ask yourself
to keep your personal life in balance.

The
first question is: "What is really important to me?" Whenever
you find yourself with too much to do and too little time,
stop and ask yourself, "What is it that is really important
for me to do in this situation?" Then, make sure that
what you are doing is the answer to that question.

The
second question is: "What are my highest value activities?" In
your personal life, this means, "What are the things
that I do that give me the greatest pleasure and satisfaction?
Of all the things that I could be doing at any one time,
what are the things that I could do to add the greatest value
to my life?"

And
the final question to ask yourself, over and over again,
is: "What is the most valuable use of my time right
now?" Since you can only do one thing at a time, you
must constantly organize your life so that you are doing
one thing, the most important thing, at every moment.

Personal
time management enables you to choose what to do first, what
to do second, and what not to do at all. It enables you to
organize every aspect of your life so that you can get the
greatest joy, happiness, and satisfaction out of everything
you do.

(Ed.
Note: Brian Tracy is one of America's leading authorities
on the development of human potential and personal effectiveness.
He is a dynamic and entertaining speaker, known for his ability
to inform and inspire his audiences.)

Today's
Action Plan

Brian
Tracy was one of the most popular speakers at last year's
Wealth-Building Bootcamp. Stay tuned for more about our plans
for this year's 3rd Annual Conference. In the meantime, catch
up on what you missed last year with our collection of Bootcamp
CDs and DVDs.

*
Highly Recommended *

Three
Breathtaking Buying Opportunities… That Won't Last Long

I
had the usual dozen documents waiting for me this morning
in my inbox. On the very bottom was something called "The
1,000% Report."

Andrew
Gordon had told me to expect it. But I had completely forgotten.
He told me to read it if I wanted to learn about three amazing
stock buys.

Now
Andrew is our financial guru and he's been recommending stocks
for us for over a year with a 92% winning record. And he's
identified a number of huge winners in that time. But he
always talks about these companies in measured tones. So
his suggestion stuck in my mind. I picked up the 14-page
report and read it right away.

Now,
before I say what I thought about it, I have to tell you
that I've read hundreds of company reports before. I've become
somewhat of an expert in recognizing exaggeration or just
plan BS when it comes to the claims that so-called experts
make on behalf of the companies they're recommending.

Andrew
really did it this time though.

The
first company had quite an interesting offer being made by
the CEO with a very short timeline. No time to waste in investing
in that company.

The
second company was sitting on technology that was so advanced
I wondered if we were ready for it. By the end of the chapter,
I understood that Andrew was indeed talking about the future
but also that the future was right around the corner. A
technology that nobody else has… with a dozen killer applications…that's
the kind of company that can give you once-in-a-lifetime
returns on your investment.

I'm
ashamed to say I believed the press about the third company.
And the press hasn't been kind. I've completely changed my
mind about this company now. Partly because of the bad publicity,
it's selling at an all-time low. Yet, its prospects have
never been brighter. Andrew says that this well-known company
is about to turn the corner. If you want take advantage of
its low price, now is the time to buy before it does.

Three
companies…three breathtaking buying opportunities happening
right now… Andrew's struck pay dirt again. If you're interested
in these companies, here's how
you can learn much more about them.

Yours
sincerely,
Will Bonner

Lower
Your Blood Pressure in Just 5 Minutes …

By
Jon Herring

The
stress of having your blood pressure taken may give your
doctor the wrong idea. New research shows that sitting quietly
for five minutes could mean the difference between getting
medication you don't need and a clean bill of health.

Nurses
from the University of Virginia took readings from 100 elderly
patients. Those who rested for five minutes prior to testing
– and had their feet planted firmly on the floor = had a
systolic reading (the upper number) that was 14 points lower
than those who didn't.

The
next time you're having your blood pressure taken, avoid
sitting on the examining table. Your feet will dangle over
the side and cause a higher reading. Instead, take it slow
and ask to sit in a chair.

Living
Rich: Make Time for Fiction

By
Michael Masterson

Most
of the reading recommendations we make in ETR are for non-fiction
business books. But there should be room in your schedule
for fiction too.

Because
your leisure time is limited, you don't want to waste it
on so-so writers. So how do you decide what to read? How
do you weed through the stacks of mediocre fiction to find
the gems?

In Message
#325, I suggested that you get your hands
on just about any list of "best books." (There
are many.) Then go to a bookstore or library and pick
a few that appeal to you. What you're looking for are
books that have passed the test of time – books that
have been judged "great."

A
list that you might want to start with was recently compiled
by New York Times Book Review editor Sam
Tanenhaus. After surveying some of the country's most prominent
writers, editors, and literary critics in search of "The
Best Work of American Fiction of the Last 25 Years,"
here's what he came up with:

Toni
Morrison's Beloved came
in first.

The
runners-up were:

Don
DeLillo's Underworld

Cormac
McCarthy's Blood
Meridian (I liked All
the Pretty Horses better.)

John
Updike's Rabbit
Angstrom: The Four Novels (which includes Rabbit
Run, Rabbit Redux, Rabbit Is Rich,and Rabbit
at Rest)

Philip
Roth's American
Pastoral

I've
read all of these books but Roth's. Some I liked; some I
didn't. My recommendation: If you can't get into a book,
skip it and go on to something else … no matter what the "experts" say
about it.

*
Advertisement *

The
101 Best Ways to Improve Your Life

Need
a road map to wealth and success? Now you can get it with
101 quick, simple, and proven success secrets from the world's
top wealth-building experts. You'll also get a never-before-offered
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Take
a look at this new offer!

Word
to the Wise: Coxcomb

A "coxcomb" (KOKS-kome)
is a conceited dandy who is overly impressed by his own accomplishments.

Example
(as used by the 18th century Irish novelist, poet, playwright
Oliver Goldsmith): "Fond to be seen, she kept a bevy
/ Of powdered coxcombs at her levee."

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

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?

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that Early to Rise gets delivered to your email box,
click below:http://www.earlytorise.com/whitelisting.htm

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please point them to:http://www.earlytorise.com/SuccessPartnership.htm

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BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com/

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The Best Exercise Routine Ever, Part 2

Friday, May 26th, 2006

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

www.earlytorise.com
Friday, May 26, 2006
Message #1739

WEALTHY:
A late-blooming commodity to invest in

HEALTHY:
The best 45 minutes of your day (Michael
Masterson)

WISE:
Lee Haney on exercise

ALSO
IN THIS ISSUE:

Guerilla
marketing! (Bob Bly)

What's
with that floor plan? (Charlie Byrne)

Add
the word "argot" 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

This
Bull Has Never Looked Younger

It's
four years into the great bull commodity market, and gold,
silver, platinum, and copper were all hitting new peaks before
dropping back a bit last week. They still make good investments
… but it would've been much nicer to have invested in these
commodities at the beginning of their climbs, right?

Well,
you can't go back in time, but you can do the next best thing:
Invest in a commodity that is getting a late start. Aluminum
has been sitting on the sidelines watching other metals soar,
but not anymore. It is now in high demand to build aircraft.

Many
of the other metals have already doubled in price in recent
years. So, while the bull in aluminum is still young, take
a look at the Metal
Mining Industry section of Reuters to find strong
aluminum companies moving up in price.

(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 companies that have the very real
potential of giving you up to 1,000 percent on your investment.)

"Exercise
to stimulate, not to annihilate."

- Lee
Haney

The
Best Exercise Routine Ever, Part 2

By
Michael Masterson

On Monday,
I told you why you should eliminate (or at least drastically
reduce) jogging and weightlifting from your exercise routine.
I explained that for years I was a die-hard runner and weightlifter,
but I found it put an unnatural strain on my joints and tendons.
By the time I was 40, I had all the symptoms of this kind
of bodily abuse: chronic back pain, sore knees, "trick" shoulders,
etc. I pushed through my pain, hoping that doing more of
what had been bad for me might heal me. It didn't.

By
the time I turned 52, three years ago, my shoulders were
so bad that I couldn't do a single push-up or hang from a
bar, and my hips were so locked up that I couldn't walk more
than five minutes without having to sit down to reduce my
lower-back pain.

That
was the old me. The new me has no back pain, no knee pain,
no shoulder pain … no pain of any sort. I wrestle with
guys 30 years younger than me every day. And I can do 14
pull-ups and 60 push-ups, strict.

Today,
I want to tell you how I fixed myself and got myself into
the best shape of my life. The program I adhere to now is
the result of stuff I learned from Al Sears, John Mahoney,
and Matt Furey. It's a program that should work for you too
– especially if you are over 30.

I
believe that the secret to maximum fitness, flexibility,
and practical strength is to follow a program of intense,
short-duration sprinting, stretching, and calisthenics. One
that I recommend strongly is Dr. Al Sears' PACE
program.

Or,
if you want to, you can try to keep up with me. My workout
program (which I developed with my personal trainer, John
Mahoney) takes 45 minutes, including stretching.

Perhaps
the most important characteristic of a good exercise program
is that it should feel like fun. If it feels like work (or,
worse, torture), you are not going to look forward to it.
And if you don't look forward to your exercise routine, you
will eventually stop doing it.

Everybody is different in terms of what makes exercise fun.
For me, it has to do with time and intensity.

Because of how busy I am, I don't like to spend more than 45
minutes exercising. That 45 minutes includes about 10 to 15
minutes of stretching, which means the exercise portion of
my workout has to be completed in 30 minutes. Thirty minutes
a day is plenty of time to develop strength, speed, and muscular
endurance. (You can probably do it in even less time. Dr. Sears
tells me he thinks it's possible to reduce that part of your
program to 10 or 15 minutes a day.)

To make my routine even easier and more fun, I break the 30
minutes into three 10-minute segments. To me, 10 minutes seems
like a short span. Even if the exercise I'm doing is very intense,
I don't feel overwhelmed because I know it will soon be over.

To be clear: My exercise routine consists of three 10-minute
sets of somewhat intense exercise with two-minute rest periods
in between, followed by a 10- to 15-minute stretch.

An Enjoyable, Intense, and Pain-Free Routine

This
program is based on three proven principles and several very
effective techniques. The principles are the following:

1. Short-duration, high-intensity exercise is generally more
effective than long-duration, low-intensity exercise.

2. Natural strength exercises (using your body weight) are
generally better than unnatural exercises (using weights, pulley
systems, etc.).

3. Interval training is better than static training.

Here's a crash course in my weekly workout program …

Every
Morning: Warm Up

Ten
minutes of stretching or yoga. Be sure to stretch in
every direction – forward, back, and to both sides.

Monday
and Thursday: Upper-Body and Sprinting

Ten
minutes alternating between chin-ups, push-ups (I alternate
between conventional and Hindu push-ups), pull-ups, dips,
and sit-ups. Start with 2 chin-ups, 4 push-ups, 2 pull-ups,
4 dips, and 4 sit-ups. Immediately go to 4 chin-ups,
8 push-ups, 4 pull-ups, 8 dips, and 8 sit-ups. Immediately
go to 6 chin-ups, 12 push-ups, 6 pull-ups, 12 dips, and
12 sit-ups. Then go to 8 chin-ups, 16 push-ups, 8 pull-ups,
16 dips, and 16 sit-ups.
Take
a two-minute break (just 120 seconds) and then reverse
the pyramid, starting with a set of 8s and 16s and working
back down to 2s. This entire upper-body workout will
take about 20 minutes and will leave you totally pumped.
Take
another two-minute break and then do 10 minutes of interval
running. Alternate between sprinting and jogging for
10 sets.
When
your running is done, do 10 minutes of intense stretching.
Once again, make sure you stretch in every direction.

Tuesday
and Friday: Lower Body and Climbing

My
trainer calls my lower-body routine the "12 days of
Christmas." This is a sequential program, done without
weights.

Here,
you do a series of leg exercises (squat thrusts, Hindu squats,
lunges, calf raises, etc.), starting with a single-set repetition
and going up to 12. What I mean by that is you do one repetition
of your first exercise, then do two of your next exercise,
then three of the next, until you've reached 12 repetitions
of your final exercise.

As
in the Christmas song, with each new set you also do all
the other sets. For example, after the twelfth set of, say,
squat thrusts, you would do 11 of something else (maybe lunges),
then 10 of something else (Hindu squats), then nine of something
else (maybe star jumpers), etc. – all the way down to the
single rep of your first exercise.

Doing
the 12 days of Christmas means a total of 78 exercises. The
trick is to do them all in 22 minutes. Again, I work intensely
for two minutes take a two-minute break, and go at it again
for another 10 minutes.

You
won't be able to do this at first, but you'll make great
improvements fast.

Wednesday
and Saturday: Medium-Intensity Workout

These
are the only days when I exercise for longer than 45 minutes.
On Wednesday and Saturday, I do one or two medium-intensity
workouts. I vary them to keep my interest level up. Some
days, I do Pilates … some days, yoga … and others, aerobic
dancing.

Then,
there's Sunday …

For
my Sunday "workout," I walk to Luna Rosa and eat
breakfast with Peter, walk back to my house and smoke a cigar
while doing the Times crossword, then walk across
the street to the beach and wade in the ocean. And I try
not to eat too much …

If
you try a routine like mine, it will blow you away. In four
to six weeks, you will be much stronger than you are now,
you'll have much better wind, you will be leaner and more
muscular and – if you stretch intensely – you'll be more
limber too.

Today's
Action Plan

What's
your exercise routine? How is working for you? Join the discussion
on our Speak
Out Forum.

*
Highly Recommended *

Thursday's tele-seminar
on Condo Conversions was unexpectedly popular! Dave
Lindahl, the "Apartment King" shared how he' getting
higher selling prices in less time by converting his complexes
into condos. It's an important emerging trend in real
estate that can add thousands (or millions) to your bank
account – if you avoid three common mistakes and focus
on the right type of locations.

We'll
be re-broadcasting the call this Tuesday, May 30th
at 7:00pm EST and Wednesday May 31st at 7:00pm EST.

Make
sure you take a moment to Join
His Call so you can apply the same techniques
to your real estate investing for increased returns in less
time.

How
to Do ALL the Market Research You Will Ever Need … Online

By
Bob Bly

Once,
I had to help a computer leasing company figure out what
to emphasize in its marketing. Their marketing was targeted
at resellers. The goal was to get the resellers to recommend
the leasing company as a financing source.

I
didn't know anything about computer resellers, and the only
one I knew personally is the one across the street from my
office who sold me my system.

I
told the client, "I'll get back to you." Then,
within 48 hours, I reported the results of conversations
I had with over two dozen resellers.

Did
I conduct a phone survey? Mail a questionnaire? Spend the
client's money on a focus group?

None
of the above. I simply went to an online discussion group
of computer resellers, and started talking to them about
what they look for in a leasing company – and what they thought
of my client in particular. (I didn't mention that I was
doing research for a client. I let the people in the group
assume I was another reseller. No one asked.)

Thanks
to online chat rooms, forums, and discussion groups, you
can now gain a quick understanding of the mindset of virtually
any market or group of prospects that uses or congregates
on the Internet.

The
two best websites for finding online discussion groups are:

www.topica.com
www.groups.yahoo.com

Click
on either link and select a group that interests you. If
you sell model rocket kits, for instance, click on the Hobbies
and Crafts category on Yahoo. You can rapidly and easily
find out what rocket hobbyists want, what they like, and
what they are willing to pay. And it won't cost you a dime
– just some time spent sitting in front of a PC.

True
guerilla marketing!

(Ed.
Note: Bob Bly is the editor of ETR's
Direct Marketing University: The Masters Edition,
a program to help you start your own successful direct-mail
business. Sign up for his e-zine, The
Direct Response Letter.)

Reader
Feedback: "I never had the mindset to see the amazing
potential of building wealth starting in my younger years!"

Dear
Michael Masterson,

I want to tell you how much I enjoy reading through your
e-zine Early to Rise every day.

I am 47 years old, and unfortunately never had the mindset
or the proper mentor to help me see the amazing potential
of building wealth starting in my younger years! Thanks for
your practical and timely advice. I plan to implement many
of the financial strategies you and your colleagues write
about daily, and teach my four kids that there is a way to
be financially well off with some discipline, foresight,
and setting reasonable goals along the way.

I
want to thank you and your staff again for all the great
financial advice and business ideas.

Sincerely,

Eric Jacobson
St. James, MO

(Ed.
Note: For Michael's specific advice on how to start building
wealth when you're young, get a copy of his newest book, Automatic
Wealth for Grads … and Anyone Else Just Starting Out. )

ETR
Insider Report: Dirty Rotten Scoundrels!

By
Charlie Byrne

It's
official. The date for our move into ETR's rebuilt headquarters
is set for this Wednesday, May 31. It'll be good to have
the whole gang back together in one place!

But
I've got to tell you … there's some intrigue going on behind
the scenes.

I
caught a glimpse of the floor plan yesterday, and all of
the cubicles – even the best ones near the windows in the
northwest corner – are still labeled "UNASSIGNED."

Yeah,
right.

I
know what's going to happen …

They'll
be snapped up at the last minute by our two publishers, Will
and Mary Ellen. You know those big newsletter publishers.
They need a nice office where they can sit back and smoke
cigars and do … whatever it is they do. I've seen them
wandering around up there the past few days. Don't think
I don't know exactly what they're up to.

And
if they don't grab them, I'll bet Patrick and Eva and the
marketing team will. They think they're so important, just
because they bring all the money into the business. A big
office to match their big egos! How fitting.

Meanwhile,
I'm sure they're going to try to stick me and Jon and Andy
in some corner in the back by the bathroom. I know what they're
thinking: "Those writers are a bunch of weirdo's anyway
… probably hung over half the time and the other half out
on vacation or away on some questionable 'research trip.'"

Hmm
…

Maybe
they should give those nice cubes to our Product and Customer
Service staff … Jessica and Alberto and Cristiana and
some of the other folks you never hear about.

All
they do is take care of you.

Who
do you think should get the best office? Publishers, marketers,
writers, or the Customer Service staff? Let us know on Speak
Out.

*
Advertisement *

This "China
Secret" Is About to Create
Hundreds of New American Millionaires
Here's How to Become One of Them…

A
young company, along with one of the world's largest universities,
has created a successful, non-invasive system for the treatment
of nature's deadliest disease. The health ramifications here
are colossal. But then, so are the financial ones.

This
is simultaneously one of the biggest breakthroughs in medical
history and one of the most likely ten-baggers I've seen
in my 30 years as an investment adviser.

Why?
I'm expecting this company to make a couple of important
announcements soon that will drive these shares right into
the stratosphere.

I
urge you to read this FREE Special Report, "Wall
Street's China Secret EXPOSED"
to learn how to take advantage of this situation today.

Word
to the Wise: Argot

"Argot" (AR-go),
a French word, is a specialized and often secret vocabulary
peculiar to a particular group.

Example
(as used by Howard Gardner in The
Disciplined Mind: What All Students Should Understand ): "No
one likes jargon, especially other people's jargon, and few
bodies of professional lingo are less beloved than the argot
of educators."

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

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

http://www.earlytorise.com/

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Will 'Brand' Advertising Work for You?

Thursday, May 25th, 2006

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

www.earlytorise.com
Thursday, May 25, 2006
Message #1738

WEALTHY:
Are you overpaying your taxes? (Kam Weiler)

HEALTHY:
Move your cardio routine outside

WISE:
David Ogilvy on writing good ads

ALSO
IN THIS ISSUE:

Are
Super Bowl ads a waste of money? (John Forde)

Why
corny humor works in speeches (Michael
Masterson)

Add
the word "oblique" to your vocabulary

*
Highly Recommended *

Do
You Have a Book Burning Inside You?

Learn
how to write, publish, and market your
book into a bestseller from the most successful
self-published author in history.

This
is an opportunity that I've hoped to be able to offer ETR
readers for a long time. But, quite frankly, I wasn't
confident it would ever happen.
Now, it's my pleasure to be able to tell you that Robert Ringer
– the only person in history to self-publish three #1 bestsellers
– has agreed to share his most treasured secrets with you in
a rare teleseminar-series presentation.

I'm
also pleased to report that I've made arrangements with Robert
to offer ETR subscribers a special discount for this first-time-ever
event. Find
out more about this exciting opportunity.

Yours
sincerely,
Will Bonner

9
Out of 10 Accountants Missed This Tax Savings

By
Kam Weiler

A
four-year analysis of property depreciation shows that at
least nine out of 10 commercial real estate owners improperly
reported depreciation on their tax returns – and paid too
much tax. The survey, conducted by O'Connor & Associates,
concluded that both owners and accountants fail to understand
IRS guidelines on depreciation.

While
this study looks at commercial real estate, it is an indication
that investors across the board miss out on tax savings due
to lack of knowledge.

Missing
out on depreciation is just the tip of the iceberg. Point
is, you simply can't depend on your accountant to know all
the right moves for you. Tom Phelan, an authority on tax
strategies for investors, says that the best tax savings
– for investors and entrepreneurs – often come from unexpected
places. As he explains in his Self-Directed
IRA program, tax savings can come in big chunks
when you sell real estate … if you utilize a special loophole
called a 1031 Exchange. You can also structure your retirement
plan to allow you to buy a business or even purchase your
dream retirement home with tax-advantaged dollars.

(Ed.
Note: Kam Weiler, contributing editor for Main
Street Millionaire, ETR's real estate investment
success program, is a real estate investor and licensed real
estate agent in Austin, Texas.)

"Good
copy can't be written with tongue in cheek … you've
got to believe in the product."

-
David Ogilvy

Will "Brand" Advertising
Work For You?

By
John Forde

I
love the Super Bowl ads, just like everybody else. Especially
the funny ones. But it just kills me that someone is getting
paid the millions of dollars shelled out on producing so
much sell-no-product advertising … especially when that
person getting the paycheck isn't, well, me.

Let
me back up a bit.

My
intention for today wasn't to talk about the Super Bowl ads.
Rather, I wanted to talk about "brands." Here's
the connection.

What
you see in the Super Bowl advertisements is what's called "awareness
advertising." Or, by some, "brand advertising." Simply
because, the idea goes, the commercials are intended to raise
the prospect's "awareness" of a product by stirring
up all the right feelings that they hope will somehow attach
themselves to the brand on offer.

Does
it work?

Let
me say this up front: I "get" brands. Really, I
do. For instance, I'm an Apple fan. And not just a minor
geek who likes the glowing logo on the back of my laptop.
I'm literally one of those bug-eyed, tendon-in-the-neck,
don't-talk-to-me-about-Gates Apple nuts that you probably
would think twice about inviting over for dinner.

Unless,
of course, you're an Apple fan yourself.

I'm
typing this essay on a Powerbook G4. The Aluminum 15" model.
With the 1.25 GHz PowerPCprocessor, if you must know. And
running OS X 10.4.4. Before this one, I used a Powerbook
Titanium G4. And before that, the "Wallstreet" Powerbook.
And I have a Mac Mini that I still need to set up for the
office. Then there was my trusty Powerbook 5300c (trusty,
that is, until it caught fire) … and my Mac Performa …

There's
the iBook I bought for my wife four years ago … and the
12" Powerbook I replaced it with this past December.
There's my iPod (my third upgrade in four years) … and
her iPod … plus, in our combined immediate families, seven
more iPods, nine more Apple laptops, and eight different
models of the Apple desktop, going all the way back to the
Apple II+ tucked away in a closet somewhere in a house in
Philadelphia.

In
short, I'm a zealot. For something so unimportant in the
great scheme of the Universe as a computer, no less.

So,
yes, I "get" brands.

You'll
meet people who would rather eat sand than drink a Pepsi.
And Pepsi drinkers who believe all Coke drinkers need their
screws tightened. Some people will only stay at a Marriott.
For others, it has to be the Motel 6. Still more travelers
can't sleep under any roof other than that of the Ritz. Bud
is the King of Beers. Unless you're a Miller man. Or maybe
Heineken is your brand. Stephen King. John Grisham. Tom Clancy.
They're all brands, of a sort. You could sell a grocery list
just by tacking one of their names at the top.

It's
no wonder every CEO aches to have their product become a
celebrity "brand" of the same caliber. Hence, millions
of dollars spent on ad placement in movies … on ad spots
and production for commercial slots during the Super Bowl
… even on renaming sports stadiums. (So instead of honoring
dead community leaders, the same stadiums now honor telephone
network companies and other such noble scions.)

Because
when it works, brand-based advertising can be an extremely
powerful thing. When it works. Trouble is, nobody is ever
really sure when it will work and when it will not. Or how
long it will take, even if it does. And there, dear reader,
is the rub …

The
great brands that work rarely work overnight. More often,
their selling power is earned only after years of blood,
sweat, tears, blunders, and – worse – a lot of money spent
for, possibly, not as much sales in return.

Recently,
I stumbled across the website for the great international
advertising firm, Ogilvy & Mather.

David
Ogilvy, of course, was the great British ad man who pulled
himself up by his bootstraps and built an empire on his classic
approach to advertising. He's no longer with us, but the
agency is still around. Here's a quote pulled from their
company webpage, under the heading "An agency defined
by its devotion to brands" …

"We
believe in brands … more than just a goodwill entry on
a corporate balance sheet, a brand is the single most important
asset any company has … we believe our role is this …
creating attention-getting messages that make a promise consistent
and true to the brand's image and identity. And guiding actions,
both big and small, that deliver on that brand promise to
every audience that brand has. At every brand intersection
point. At all times."

Hmm.

Do
you smell something? Of course, you could read the statement
above a half-dozen different ways. At least a couple of them
could be defendable.

But
compare that with something Ogilvy himself once said: "A
good advertisement is one which sells the product without
drawing attention to itself."

Oh,
and this: "The more informative your advertising, the
more persuasive it will be."

Naturally,
Ogilvy said a lot of things. And more than a few of them
were in total support of the brand-advertising idea, about
raising awareness and creating a feeling the prospect could
carry to the marketplace. But you have to wonder … would
a mission statement like that really lead you to the best
possible selling power for your advertising dollar? Maybe.

Then
again, maybe not.

See,
traditional, brand-driven advertisers understand one thing
very, very well. They understand the emotional substructure
of good advertising. If you don't stir the heart, goes the
reasoning, you can't stir the pocketbook. That's why Super
Bowl advertisers will work hard – and spend millions – to
leave you laughing. Or crying. Or angry.

It's
also how many mainstream ad agencies sell their own products
– especially their creative services – to marketing directors
and business owners. They show them campaigns that let the
company feel hip, funny, crusading, or cool about themselves
too.

But
one thing often left out of the equation is that emotion
alone can't handle all the heavy pulling it takes to buy
your brand a place in your customer's subconscious.

A
recent issue of Brandweek reported research pulled
from eight different ad studies, and conducted by – would
you believe it – The Center for Emotional Marketing. In the
compiled analysis, ads that provoked a big emotional response
had no trouble cutting through clutter. But rarely did they
ever change customer buying behavior or increase a company's
market share. And these results, by the way, came from food
and health companies, beauty product companies, tech and
car makers, and more.

In
almost no case did purely emotional advertising – which is
almost exclusively the style favored by brand advertisers
– build businesses.

Emotion
mattered, yes. But only in ads that also informed the customer
about the product. And that actually worked to tie those
emotions to the product. All the better if the ad could ask
for the purchase right there. Just like we do all the time
in, yep, boring ol' direct-response advertising.

So
how does all this relate to brands?

The
fact is, a "brand" name product can be a great
asset to any company. But defining what that brand is and
what it will mean to your customers is complicated. It could
take years to accomplish. And other than spending millions
on advertising that does little more than create an ambience
around your product, there's much more that's much easier
that you can do.

When
counting your abstract assets, for instance, try putting
the customer relationship AHEAD of brand on the ledger sheet.
And the product? Channel money into making it the best it
can be, both in quality and in the manner it satisfies your
customers' deepest desires.

Let
those two things inform what you say in your ads to customers,
and you might come up with a lot of ads that are neither
hip nor funny. But on the balance sheet, you'll come up with
better and faster-rising sales figures than the bulk of brand
advertisers, virtually every time.

(Ed.
Note: John Forde is a board member of AWAI. To get his sharp
insight into the world of copywriting, sign up for his free
weekly e-zine Copywriter's
Roundtable.)

Today's
Action Plan

Catchy
jingles, signature colors, beloved mascots – all make an
advertisement recognizable to the public. But, as John Forde
explains, you don't need to make your product a household
name to get people to buy it. Make sure your ads always convey
the product's deeper benefits and that you always sell to
your prospect's desires … and you will hold your own with
the big brands.

Learn more sales secrets with AWAI's
copywriting program.

*
Highly Recommended *

Give
Us Five Days in July, and We'll Give You Income for Life

This
summer, an elite group of ETR readers will be joining us
in Chicago. The purpose of this get-together is for
them to start their own unique Internet businesses.

If
you've ever thought about having a real shot at wealth…
ever wished for a chance to retire early and truly enjoy
life… ever wanted to break free from the 9 to 5 or
develop a secondary stream of income… then…

This
may be the
chance of your lifetime.

- Patrick
Coffey

Two
Ways to Check Your Exercise Progress

By
Suzanne Richardson

With
summer almost here, you may want to take advantage of the
weather by moving your exercise program outdoors.

Charlie
Byrne, ETR's Editorial Director, monitors his fitness routine
by running with a GPS "watch" like the Garmin
201. (See Message #1312.)
They go for about $125 and include training-log software
and a computer connection. You can download your training
results from the watch to your computer after a run or group
of runs and keep detailed logs of your progress.

Another
way to monitor your progress outside – without spending a
dime – is to check out Mapmyrun.com.
This website allows you to plot out your path on a map of
your area. Then, after you've returned home, you can type
in how long it took you to finish the course and find out
just how many calories you burned. It's a good way to make
sure that you're getting in a solid run without having to
make boring laps around the same block.

MapMyRun is
planning to add a topography feature to the site. When it
does, you'll be able to check out the best hills for interval
training.

Notes
From Michael Masterson's Journal: When It's Okay to Be
Corny

In
the morning, I write in my studio, facing an open window
that gives me fresh air and an oblique view of the ocean.
Sometimes neighbors walk by and shout up hellos and how-are-yous
to me. Bob, who makes a living as a professional speaker,
often comes by after he's done his morning run. He's always
smart and funny and full of memorable anecdotes, so I don't
mind interrupting my work to have a five-minute chat with
him.

This
morning I told him about my weekend at the Ultimate Fighting
Championship and he told me about his plans for next Saturday.

"I've
got an 8:30 speaking slot at a big hotel in Miami," he
told me. "Can you imagine? The last day of a three-day
conference, after they've been out till the wee hours on
South Beach? If anyone shows up, they'll surely be hung over."

"It
sounds bad," I admitted. "Maybe you should tape
record your speech, play it softly in the background, and
have them do stretching exercises instead."

He
laughed. "If I could get away with that, I would. I
think I'll do a little research on hangover jokes and lead
with that."

I
wanted to know where he goes to find jokes for his speeches. "I
love The
Penguin Dictionary of Jokes, Wisecracks, Quips, and Quotes," he
told me. "And I have about a dozen other books like
it."

I
thought about similar books on the bookshelf behind my desk: The
Friar's Club Bible of Roasts, Toasts, Pokes and And
I Quote: The Definitive Collection of Quotes, Sayings, and
Jokes for the Contemporary Speechmaker.

"The
trouble with those," I told him, "is that most
of them seem corny or cliched to me. I always end up trying
something original."

"How
does that work?" he asked.

"Not
too well," I had to admit. "When I plan jokes,
I think I try too hard to be clever."

"Yeah,
I've found that the corny and cliched stuff works pretty
well," he said. "You think to yourself, 'Boy this
joke is really silly,' but then you do it and the audience
howls. I think it's because the audience really doesn't want
cleverness from you. They want you to tell them something
that they either do not know or need to hear over and over
again."

That
makes sense, doesn't it? Your audience wants one good idea
that they can take home and put to work. And if you can make
them laugh while you are explaining that idea, they'll appreciate
it.

Aside
from sticking with the corny, cliched stuff, here are two
other tricks for using humor during your speeches:

1.
Keep things simple. If you tell long, complicated jokes,
you risk confusing your audience or – worse – boring them.

2.
Make sure your jokes are appropriate. Don't throw them in
just to get laughs. If you do that, and the joke doesn't
work, you embarrass yourself and the audience too. But if
your jokes are germane to the subject of your speech and
they are woven into your presentation in a logical way, it
doesn't matter if they get a laugh or not.

*
Advertisement *

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Word
to the Wise: Oblique

Something
that's "oblique" (oh-BLEEK) is
neither perpendicular nor parallel. It has a slanting or
sloping direction, course, or position.

Example
(as I used it today): "In the morning, I write in my
studio, facing an open window that gives me fresh air and
an oblique view of the ocean."

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

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

http://www.earlytorise.com/

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The Long-Term Risk of Drinking Soda

Wednesday, May 24th, 2006

If you think that limiting sodas to "just one a day" won’t hurt your health, think again. New evidence shows that the extra sugar in soft drinks can substantially increase your risk of serious disease.

Researchers from the Harvard School of Public Health found that women who drank at least one sugar-sweetened soft drink a day were 85 percent more likely to develop Type 2 diabetes than women who drank sugary sodas less than once a month. According to the study, sugars from liquid foods – like soft drinks – were more likely to cause the weight gain and obesity that sets the stage for this disease.

So next time you’re tempted to grab a soda, try a healthier alternative. Filtered water or green tea won’t give you a sugar buzz, but your body will thank you in the long run.

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How to Get 5 Years of Property Appreciation in Only 1

Tuesday, May 23rd, 2006

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

www.earlytorise.com
Tuesday, May 23, 2006
Message #1736

WEALTHY:
Why some investors HATE condo converters (Dave Lindahl)

HEALTHY:
For your head and heart

WISE:
Napoleon Hill on opportunity

ALSO
IN THIS ISSUE:

Good
manners + good sense = good marketing (Michael
Masterson)

"Help" for
Windows users

Add
the word "putative" to your vocabulary

*
Highly Recommended *

Living
in a "hot" market, it can be hard to find real
estate deals that make sense from a numbers perspective.
Dave Lindahl is giving a very insightful teleseminar on one
way to overcome this common problem: Condo Conversions.

By
dividing a multifamily property (whether it be a duplex or
50 unit apartment complex) into condos that you can resale
individually, you greatly increase your ultimate sales prices.
It makes it that much easier to find deals where the numbers "work".
Dave says he doesn't settle for anything less than a 40%
cash on cash return – and he gets that in less than three
years.

If
you are a real estate investor, I recommend you take moment
to sign
up for Dave's teleseminar today.

- Will
Bonner

"Your
big opportunity may be right where you are now."

-
Napoleon Hill

How
to Get 5 Years of Property Appreciation in Only 1!

By
Dave Lindahl

As
a multi-family-property investor, your ultimate goal should
be to get the most appreciation in the shortest possible
time.

This
is done by using a variety of techniques.

1.
Buy a property that is below market value due to a burned-out
seller – someone who never learned that successful multi-family
investors always have management companies to deal with their
tenants, while they go out and find more deals. (It's the
fool who wants to be in the tenant business.)

2.
Boost your appreciation by buying a property that has below-market
rents or below- market occupancy. Be sure you buy the property
based on today's cash flow. (Sellers are always trying to
sell based on future cash flow.) When you then raise the
rents and/or the occupancy, you will have increased the value
of your property.

3.
Buy a property in need of repairs. Buy it at a discount,
make the repairs, and sell it at a premium.

4.
Buy in an emerging market. You get to buy at today's prices
and watch the market take off like a rocket. In a very short
period of time, you can become very wealthy. (This is what
I like doing best, and what I've trained thousands of other
people to do.)

These
are four great strategies, and I've used them all with much
success. (I still do.) But the very fastest way to get five
years' worth of appreciation in just one year is to …

…
Do a Condo Conversion!

A
lot of multi-family investors have many a four-letter word
to say about condo converters. Nevertheless, a condo conversion
is often the perfect way to exit an emerging market. It's
also a great way to enter a market that's so far ahead in
the market cycles that properties are selling with little
or no cash flow.

Multi-family
investors get upset with condo converters because they can
afford to buy with extremely low capitalization rates – thus
driving prices through the roof.

Not
only that, but they take apartments off the market when they
convert them to "for sale" units, thus decreasing
the supply. When supply decreases and demand either stays
the same or increases, prices rise. Another thorn in the
multi-family buyer's side.

Well,
if you can't beat 'em … join
'em! To give you some perspective, we typically
look for a 40 percent return before we leave a market for
the next emerging market, and that usually takes three years
to accomplish. Condo
converters are regularly getting those returns and better -
much, much better – in hot markets. Those are the same markets
that we as multi-family investors have turned our backs on.

Here's
another way to look at it: How would you like to sell 50
or more single-family units in less than a year? How would
you like all of those units to be at the same location, and
not spread out all over the place? Then what would you think
if the renovation of those units could be done in cookie-cutter
fashion? No running around meeting contractors … no driving
all over the county to secure your properties … no chasing
of dozens of buyers. (You'll have a sales team.) Everything's
in the same location!

From
someone who's done all that chasing (me), I can only say "Hooray!"

What's
the downside, you ask? Sure, we've all heard of the "Condo
Bubble" that's taking place in Florida, Chicago, and
Southern California. But there are many other good spots
do be doing condo conversions RIGHT NOW. Better yet, these
opportunities are not going to go away. They are only going
to become more abundant.

We
are in the infancy of the "Condo Conversion Era," and
it all has to do with demographics. (My specialty.) Two trends
will only become stronger over time: The rise of non-traditional
families and the aging baby boomer population.

Mark
my words: These two groups will increase the popularity of
– and need for – more and more condominiums as the years
go by. We are at the ground floor of the need level for this
type of housing stock.

You
have a choice: You can sit on the sidelines and watch other
people get rich … or
you can jump in and join in the joy.

Before
you start spending your profits, there is some important
information you need to get your hands on:

Know
the specific condo ordinances in the town you are looking
to do the conversion in. These regulations are mainly
there to protect the tenants. You must follow the ordinances
very closely, or you will be in big trouble.
Invest
in areas where the affordability index (the ability of
the average worker to afford a home) is low.
Be
in the right neighborhood at the right time. That's called "feasibility." You'll
be looking for specific demographic clues to determine
if it's feasible to do a conversion in this city, in
this neighborhood, at this time.
Get
up to snuff on financing. You'll need "interim financing" at
the outset – and a commitment from a good quality lender
for "end loan" financing, so you can cash yourself
out at the end.
Know
all you can about project management.

Then
you should do a conversion that needs only minor repairs.
After you've done a couple and gotten your feet wet, start
taking on larger repairs if you like. Some converters convert
only "easy" properties: "A" and "B" type
properties in "A" and "B" type areas.

You
must discover the proper formula to determine whether a deal
is truly a good deal or a money pit. As a rule of thumb,
you don't want to get into a conversion that has less than
a 30 percent cash-on-cash return. Remember, though: The
returns can be much, much higher.

Then
you should know the most effective techniques for marketing
your complex, so you can achieve "sell out" in
the fastest amount of time. You'll have certain strategies
for selling to existing tenants and other strategies for
selling to outside buyers. You need to decide between an "in-house" sales
team vs. hiring a real estate company to handle it. If you're
going to use an in-house team, you must decide how to compensate
them: Will
you give them salary, salary plus commission, or straight commission?

I
know it sounds like a ton to find out, but condo conversions
are a lot easier than you might think. With the proper guidance,
you can easily add this skill to your real estate repertoire.
That will allow you to do bigger
deals, in shorter amounts of time, for bigger profits.

Remember: The faster you go big, the faster you become wealthy!

(Ed.
Note: David Lindahl, also known as the "Apartment King" successfully
invests in single-family properties, apartment complexes,
and condo conversions.)

Today's
Action Plan

Dave
Lindahl will be our special guest speaker during a teleseminar
presentation on how to invest in condo conversions. Sound
interesting? Learn
More Now.

*
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.

What
to Do After Your Next Seminar

By
Michael Masterson

When
my friend Harry throws a party, he does it right. Great food,
a kicking band, good whiskey, and hand-rolled cigars. Several
days after the party, he sends out a thank-you note, along
with a few photos to remind you what a good time you had.

It's
good manners to send follow-up notes to guests, thanking
them for their visit and inviting them to come again. Including
photos makes the message stronger and more personal. When
you produce a business event – and it doesn't matter whether
it's a trade show, conference, seminar, symposium, or brainstorming
session – it makes sense to do the same. By communicating
with your attendees after an event, you show them that, days
or weeks later, you are still thinking about it … and them.

That's
what Clayton Makepeace and Matt Furey do. Recently, I received
photos from each of them that documented the speakers, special
events, and after-hours fun that attendees at their seminars
enjoyed.

Including
photos with your message increases the likelihood that your
communication will be opened and your copy read. Selecting
images that depict the benefits your attendees enjoyed -
from informative product presentations to entertaining speeches
to conga lines – allows them to relive those good experiences.

Just
as importantly, this is an excellent way to reestablish the
intimate relationship that was started at the conference.
By continuing to send out little messages and postcards to
your attendee list, you can develop a very solid marketing
platform for selling other products and/or the next conference
to them.

By
the way, this technique can be effective from either direction.
That is, as an attendee you can create valuable business
relationships with VIP speakers and conference sponsors by
sending them photos of the event, along with handwritten
messages.

The
Effect of the "Mediterranean Diet" on Alzheimer's

By
Jon Herring

The
so-called "Mediterranean diet" has been shown to
reduce the risk of heart disease. Now there's evidence it
can prevent Alzheimer's too.

Researchers
followed 2,258 people over the age of 65 and recorded their
diets during a four-year period. The results – published
in the Annals of Neurology – showed that those who were most
faithful to the Mediterranean diet were 40 percent less likely
to develop Alzheimer's. Even those who only moderately followed
the diet lowered their risk by 15 percent.

If
you want to try this diet, make sure you're eating its key
ingredients, including olive oil, fresh fish, whole fruits
and vegetables, and assorted nuts and legumes. Consume alcohol
in moderation and limit saturated fat from meat and dairy
products.

It's
Good to Know: Computer Basics Getting Help

When
you don't know how to do something in Windows or a Windows-based
program, don't despair. Most of these programs come with
a built-in "Help" feature, which is one of their
greatest – and, sadly, least used – features.

There
is often more information about how to use a program under
the Help feature than there is in the program manual! Many
people actually learn how to use entire programs by simply
using the Help feature when they don't know how to do something.

For
Help in any Microsoft program, press the F1 key (in the
top line of keys on the keyboard) or Help on your menu
bar.

Let's
assume you are working in Microsoft Word and would like
to adjust the line spacing of your document … but you
don't know how. Press the F1 key. The assistance menu will
appear. In the "search for" field, type "adjust
line spacing." You will get detailed instructions
on how to do it.

(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 )

*
Advertisement *

The
Fed has gone too far!

History
shows that after the Fed raises the Discount rate to 6% –
as happened last Wednesday, for the ninth time — equity
markets have not only never rallied, but have collapsed by
an average of 30%.

The sell-off over the past few days is the first warning shot
of the approaching bear cycle. Over the next week or two, there
should be a "second chance" rally to let you out
of bullish positions gracefully. But this could be your last
opportunity! Find out more in the Fractal
Market Report.

Word
to the Wise: Putative

Something
that is "putative" (PYOO-tuh-tiv)
is commonly thought or deemed. It has the same Latin root
("putare") as "compute" and "reputation."

Example
(as used by Frances Spalding in Duncan
Grant: A Biography:
"Certainly, to have even a putative ancestor commemorated
by Shakespeare is something about which to boast."

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

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

http://www.earlytorise.com/

Rating: 0 (from 0 votes)

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The Effect of the “Mediterranean Diet” on Alzheimer’s

Tuesday, May 23rd, 2006

The so-called "Mediterranean diet" has been shown to reduce the risk of heart disease. Now there’s evidence it can prevent Alzheimer’s too.

Researchers followed 2,258 people over the age of 65 and recorded their diets during a four-year period. The results – published in the Annals of Neurology – showed that those who were most faithful to the Mediterranean diet were 40 percent less likely to develop Alzheimer’s. Even those who only moderately followed the diet lowered their risk by 15 percent.

If you want to try this diet, make sure you’re eating its key ingredients, including olive oil, fresh fish, whole fruits and vegetables, and assorted nuts and legumes. Consume alcohol in moderation and limit saturated fat from meat and dairy products.

Rating: 0 (from 0 votes)

Posted in Diet and Nutrition, Healthy, Quality of Life | No Comments »

2 Habits of Highly Ineffective People

Saturday, May 20th, 2006

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

www.earlytorise.com
Saturday, May 20, 2006
Message #1734

WEALTHY:
Politics, taxes, and electricity (Michael
Masterson)

HEALTHY:
5 foods that help prevent arthritis

WISE:
Henry Wadsworth Longfellow on criticism

ALSO
IN THIS ISSUE:

Pissing
contests with skunks (Matt Furey)

An
ETR reader jumps on this opportunity (Charlie Byrne)

Add
the word "wag" (the noun, not the verb) to your vocabulary

*
Highly Recommended *

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.

Will
the Tax Code Ever Be Simplified?

By
Michael Masterson

There
is little hope that we will ever see tax reform in the U.S.
That's the view of Robert J. Samuelson, a regular contributor
to Newsweek magazine. In a recent issue, he says
that the two tax simplification plans George Bush commissioned
will never see the light of day, because "people don't
want to surrender the concrete tax breaks of a complex system
for the abstract advantages of a simpler system."

"Politicians
disdain simplicity," he says, "because it deprives
them of the chance to brag about tax breaks that … pay
for college tuition or encourage retirement saving, no matter
how ineffective these are in practice."

The
theory is compelling. But, as Samuelson admits, we did have
genuine tax simplification in 1986. The top tax rate was
reduced from 50 percent to 28 percent, most tax breaks were
eliminated, and the tax base was widened. With more people
paying taxes, there was an overall increase in tax revenue,
even with the rate break.

Since
then, politicians have been snarling things up again. Clinton
raised the cap from 28 percent to 39.5 percent, and then
other wags added about 15,000 complications to that pretty-good
tax program.

How
complicated is today's tax code? Consider this: Last year,
Americans spent $150 billion (on accountants, tax attorneys,
bookkeepers, etc.) to comply with our complicated tax code.
That was $30 billion more than they spent on electricity.

"Doubtless
criticism was originally benignant, pointing out the
beauties of a work rather than its defects. The passions
of men have made it malignant, as a bad heart of Procreates
turned the bed, the symbol of repose, into an instrument
of torture."

- Henry
Wadsworth Longfellow

2
Habits of Highly Ineffective People

By
Matt Furey

Today
I'm going to tell you something you've heard before. But
THIS time, I promise it will be different.

There
are two lousy habits that most people have – and these two
habits take up quite a bit of their schedules these days.
No, I'm not talking about smoking, drinking, or swearing.

I'm
talking about …

1.
Criticizing others
2. Criticizing yourself

As
I said, nothing new in the above. In fact, both of these
are talked about by Dr. Maltz in Zero
Resistance Living. Dr. Maltz talks about
them in a different light, though. He tells you that you
must relax physically and mentally in order to create the
life that you want. Then he tells you that there are four
negative habit patterns that derail you from being able to
relax. The two other negative habit patterns are trying to
keep up with the Joneses and not forgiving yourself or others.

For
now, let's focus on that enormous waste of time and energy
… criticism of self and others.

Perhaps
no one ever explained to you why these two habits turn you
into an ineffective human being.

One
of the reasons is because criticism increases emotional tension
and stress in your mind/body.

Whenever
you criticize yourself or others, a frown comes to your face,
and you unconsciously begin to tense and tighten your muscles.
Internally, your organs respond to the attack, too. Even
when you think your attack is singular in focus – directed
only toward a person you dislike, for example – your body
responds as if you're attacking yourself as well.

Another
reason is that criticism derails you from furthering your
growth as a human being.

Some
people make a living by attacking others. Most people, however,
do not. There's a difference between being paid to dig up
dirt on others and being the type of person who does it for
FREE – and does so at the expense of his own emotional health
and well-being.

Sometimes,
in my e-mails and newsletters, I must give the scoop on others.
That's part of my job. But I don't spend the rest of the
day attacking others – or myself. I do my best to look for
the good in others and what I can learn from them.

For
example, I'm not fan of high-profile actors with political
agendas. I used to frequently criticize and attack most of
them. Not professionally. Not as part of my job. But as a
major part of my day. During my personal time.

Then
one day I began to think differently. I said to myself, "Why
don't you stop criticizing these people and look for what
you can learn from them?" At that point, I started to
take note of their good points – and I found many. Looking
at their good points opened a door for me. It allowed me
to grow by recognizing what they do extraordinarily well.

There
are many people who spend much of their time criticizing
people like Tom Cruise, Angelina Jolie, and Madonna, among
others. I myself am the subject of much criticism on the
Internet – and some years ago, I made the mistake of fighting
back, going on discussion boards and squabbling with those
who attacked me. That did nothing but create even more squabbling.

A
turning point for me was the day a friend said, "Don't
get into a pissing contest with a skunk." The metaphor
struck home … and I stopped going into forums to defend
myself. It's not necessary.

Now,
here's the kicker: Those who have been doing the criticizing
on these forums have NOT improved their lives in the least.
Yet, last time I checked, those named above, myself included,
have continued to grow more successful.

There's
a major lesson to be learned from this.

Criticizing
others may be entertaining – but if you stop to analyze what
you're doing, I think you'll agree that it is a major waste
of your time. It keeps you stuck. It takes your mind off
what you should be doing with your life.

Get
creatively alive. Get involved in doing something good. Eliminate
as much criticism from your life as you can

Do
your best to avoid personal attacks on yourself and others.
Start observing yourself a little more closely. Take note
of when you get sucked into discussions about others that
are nothing more than personal attacks. And when you find
yourself in such a situation, say to yourself, "Wait
a minute. I'm wasting my time. Instead of attacking this
person, I should be making MY life better."

If
you think this way, I'm betting that you'll start coming
up with ways to spend your time that will help propel you
forward.

(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.)

Today's
Action Plan

Think
about someone who is more successful than you that you criticized
in the past. But this time, instead of criticizing him, ask
yourself, "What can I learn from this person that could
help me live a better life? What is this person doing right
that I can emulate?"

Keep
an open mind … and the answers may surprise you.

*
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 astounding 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

Worth
Quoting: Michael Masterson on Strengths vs. Weaknesses
…

"Generally
speaking, you will achieve more in business by learning
to do better what you already do well than by correcting
your weaknesses. If you become a successful real estate
broker who is really good at sales presentations but weak
on contracts, don't worry so much about getting better
at contracts. If necessary, hire someone to handle that
part of the business for you. Spend your self-improvement
time advancing from being 'really good' to being 'really
great' at sales presentations. This is not to say you should
ignore your weaknesses. We should all strive to eliminate
those. But you will have more success by attending to your
strengths first."

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

(Ed.
Note: Have you already read Automatic
Wealth for Grads … and Anyone Else Just Starting Out?
Let Michael know how it's helped you. What's the single
most useful piece of advice you discovered in the book?
And how have you used it in your pursuit of wealth and
success? Let him know at MostPowerfulSecret@ETRFeedback.com …
and maybe you'll see your name in print in a future issue
of ETR.)

Selenium:
A Natural Way to Prevent Joint Pain

By
Jon Herring

You
may already know that the antioxidant properties of selenium
can lower your risk of colon cancer and heart disease. But
are you aware that this mineral can also help decrease your
chances of developing osteoarthritis? A study published by
the American College of Rheumatology found that people who
had the highest levels of selenium were 40 percent to 50
percent less likely to have this painful joint condition
that affects over 20 million Americans .

You
can get a boost of selenium from Brazil nuts, couscous, mushrooms,
seafood (including salmon and tuna), and red meat. Most multi-vitamins
have selenium too. Just check the label.

Check
out the National
Institutes of Health website for more information
about this valuable mineral.

ETR
Insider Report: We're on the Move … Update #2

By
Charlie Byrne

Just
a quick note to let you know we're still on schedule to move
back to our newly renovated building just after the Memorial
Day weekend. We'll be posting our new phone numbers and contact
info shortly.

Meanwhile,
funny story …

You
may recall that last Monday we
ran a photo of our still-empty facility. I mentioned
that our business manager, Steve Sayre, is busy working on
the floor plan.

Leave
it to our entrepreneurial ETR readers to jump on an opportunity!

Just
hours after the article ran, Steve received this e-mail
from one of our readers:

Hello
Steve,

I've
just seen the photograph of your newly renovated headquarters
and you mentioned that you are finalizing cubicle layouts.
I have been in the business of manufacturing office furniture,
specifically that used for cubicles, for the last 25 years.

I
have no idea if you have specified a supplier already for
the furniture, but I would truly like to be given the chance
to give you an offer.

While
I live and work in the Philippines, what I make and
sell is acceptable to first-world companies, as evidenced
by several foreign firms we have worked for. I know that
the price difference is at least 50% cheaper without shipping
costs.

I
am hoping you would give me a chance to do this for you,
whether or not you purchase from us, as a way for me to say
thank you for such an informative newsletter your company
sends out daily.

Isabel
Kier
movallinteriors.com

*
Advertisement *

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about that," Steve commented. "I can't get furniture
brokers in Boca Raton to return my calls, but we get offers
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Word
to the Wise: Wag

A "wag" is
a witty person – a joker. Used in this sense, the word may
have come from the obsolete "wag-halter" ("a
rogue; one likely to be hanged").

Example
(as I used it today): "Since (1986), politicians have
been snarling things up again. Clinton raised the (tax) cap
from 28 percent to 39.5 percent, and then other wags added
about 15,000 complications to that pretty-good tax program."

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

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

_____

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
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Frederick, MD 21705

_____

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A Classic Struggle Between Head and Heart

Friday, May 19th, 2006

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

www.earlytorise.com
Friday, May 19, 2006
Message #1733

WEALTHY:
Picking stocks for short-term success (Charles Delvalle)

HEALTHY:
Emergency bypass surgery? Maybe not

WISE:
Ben Nelson on making decisions

ALSO
IN THIS ISSUE:

Should
I sit tight? Or head for high ground? (Michael
Masterson)

Feedback
Friday: ETR readers chime in

Add
the word "lacuna" 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

When
to Go With the Flow

By
Charles Delvalle

When you
buy can be critical to the success of your investment – especially
if you don't plan to hold onto a stock for long time. Keep
in mind that 75 percent of companies move in the same direction
as the market, so your short-term selections should always
follow the market trend.

Let's
say you want to invest in Sirius Satellite Radio (SIRI),
which you believe will go up. To make sure you're not investing
against the market, take a look at the index Sirius belongs
to – the Nasdaq. Is it going up or going down? If, for instance,
the Nasdaq is going down, you shouldn't bet that Sirius will
go up. You would be investing against the market.

Of
course, if you want to buy and hold the stock, it doesn't
matter what the Nasdaq is doing right now. For a long-term
investment, it's more important that your pick has a strong
growth strategy and management team.

(Ed.
Note: Charles Delvalle is the Managing Editor of ETR's Money
Insight [link] newsletter.)

"Some
decisions, like opening a fire hydrant to put out a
fire, are easy to make. Other decisions, like deciding
how to best distribute a drought-limited water supply
among urban, rural, and recreational uses, require
careful deliberation."

-
Ben Nelson

Making
Decisions: A Classic Struggle Between Head and Heart

By
Michael Masterson

In
a recent issue of The New Yorker, I came
across an essay by Elizabeth Kolbert called "Chilling." Antarctica,
she says, is losing ice. The evidence comes from the University
of Colorado, where researches are interpreting data from
Tom and Jerry, two orbiting satellites sent into space in
March of 2002.

The
rate of loss, according to the Colorado researchers, is great
– about 36 cubic miles per day. And if the loss continues,
it will mean that in the next hundred years the sea will
rise much farther and faster than scientists had predicted.

That
disturbed me.

For
a long time, I had been very blase about global warming,
arguing that most of the world could do with some warmer
weather. But the more I looked into the subject, the more
concerned I became. The bulk of the science suggests global
warming is both real and dangerous. "Some say climate
change is something for our kids to worry about," one
official told The Washington Post. "No.
It is now."

If
everyone has agreed that global warming is something we should
deal with now, what we do about it is still a matter of debate. "Yes,
the planet may be warming up, but no one can be sure of why," says
Ms. Kolbert. "And, in any case, it doesn't matter -
let's stop quibbling about the causes of the climate change
and concentrate on dealing with the consequences."

I
went to bed that night thinking about the threat of global
warming and its effects (including raising the sea level
by a foot or more), and dreamed my house was being washed
out to sea.

I
woke up wondering if I should sell my home and buy another
one further inland. That would be the prudent thing to do,
I figured. Better to get out now while I could still get
a good price. If I waited until it was obvious that all these
coastal properties were going to be flooded one day, I'd
be out several million dollars.

On
the other hand, my heart argued, I have no reason to believe
that the ocean is going to rise. It hasn't risen in all the
years that I've been living across from it. Chances are,
it won't rise in the future.

Plus,
my heart continued, I love this house. I love the
way it looks, the way it feels, and the view I get every
time I look out the window. Why give up something I truly
love because I fear that one day it will be less valuable
or even worthless?

My
dilemma was a classic struggle between head and heart. It
was also, I realized, an example of the difference between
two very different kinds of knowledge: wissen and erfahrung.

Wissen,
you may recall from past articles in ETR, is the kind of
knowledge that the head prefers: facts, figures, and data
collected from second- and third-party sources, including
research.

Erfahrung,
on the other hand, is the kind of knowledge you get from
experience. Burn your hand once on a hot stove and you will
always be reluctant to put your hand there again, even if
you read a hundred articles telling you that fire isn't painful.

Erfahrung
knowledge is deep and true. You can sometimes misinterpret
the causes or effects of your experience, but the experience
itself will leave an impression with you that you should
trust.

The
feeling I had in my heart was telling me to stay put. At
the same time, the wissen knowledge I had gathered about
global warming was running around my head, scaring the hell
out of me.

But
though I had read some compelling evidence that supported
the view that the world is warming and the seas are going
to rise, I didn't know it. And when I realized how
much I didn't know about this subject and how unlikely
it is that I will ever know enough to about it to have
a useful opinion, I came back to the psychological place
I always end up at in a situation like this: a position of
neutrality.

You
can't be truly sure of anything you learn by reading books,
researching studies, surfing the Internet, watching television,
or listening to the words of other people. In making the
important decisions in your life, it is always best to rely
on your own personal experience.

Yet,
for many problems that confront us, we don't have personal
experience to depend on. So what do you do?

One
thing you can do is to do absolutely nothing. This is the
course of action I take most often and the one I generally
recommend to others. That's because most threats that arise
from wissen-based knowledge (remember the Y2K problem?) turn
out to be nothing at all.

Some
of these threats, though, do turn out to be real.

If
the world really is warming up, it may well affect me. And
if it's going to affect me – to the tune of several million
dollars (not to mention the threat of hurricanes and floods)
– I should at least consider my options.

So
that's where I found myself that morning: emotionally neutral
but resolved to come up with a rational response that would
serve me well if the threat of global warming turns out to
be true.

And
here's what I came up with.

Although
I don't get involved in politics, I'd support initiatives
to reduce carbon dioxide emissions. Even though I can't know
for sure whether they are the culprits, there's enough evidence
to suggest that the prudent course of action would be to
take quick and effective steps to reduce them.

My
feeble personal efforts may have no effect whatsoever on
emissions (or emissions may have no effect on global warming).
So I'm also going to prepare myself emotionally for a time
when – sometime in the distant future -I may have to sell
my house at a drastically reduced price or move out of it
entirely.

It
took me about five minutes to make those two decisions. And
now I feel okay about staying in the house I love … without
fretting too much about global warming.

*
Highly Recommended *

The "Sweet
Spot" – Making More Money From The Same Investment

When
you find the "sweet spot" in investing, you can
put in less effort and see more returns. Dave Lindahl
knows where the sweet spot is in real estate today. He's
actually increasing the appreciation of his properties
beyond the market rate, without costly rehabbing.

Somebody
in your hometown is going to make a killing
using the same techniques as Dave this year – it can
easily be you.

Heart
Attack? Think Twice About Bypass

By
Jon Herring

A
recent Canadian study of 13,000 heart bypass patients found
that the death rate was three to five times higher for those
who had surgery within a week following a heart attack, compared
to those who waited.

Following
a heart attack, the heart muscle is damaged and in a weakened
condition. This limits its ability to pump blood and could
hamper recovery from an invasive bypass procedure. Furthermore,
abnormal heart rhythms that are common after a heart attack
could cause complications during surgery.

The
bottom line: If you have a heart attack and your doctor recommends
immediate bypass surgery, consider waiting a bit. And definitely
get a second – or even a third – opinion.

Feedback
Friday: Robert Ringer's "Charitable Foundation" Article

Robert
Ringer sure did raise some hackles with his article in
Message #1713 ("A
Charitable Foundation for Entrepreneurs?").

Here's
a sampling …

"I
am saddened by my perception that you stand with Mr.
Ringer …"

I am saddened to read the acerbic article by Robert Ringer,
and in a quandary about what to do with my subscription to Early
to Rise because you chose to distribute it.

Clearly Mr. Ringer is not thinking about the millions of
individuals – men, women, and children with names, faces,
and feelings – whose lives are positively impacted by the
generosity of philanthropists. To him, they are throwaways,
subhuman victims of circumstance, merely products of cruel
regimes whose lives are not worthy of the West's money if
spending it on them brings nothing more than relief from
pain, suffering, and illness … and maybe a little hope.

I agree that we also need to fix the roots of these complex
and challenging problems, but I am ashamed of people who
believe that those caught in the crossfire deserve to die
in the meantime. And I am saddened by my perception that
you stand with Mr. Ringer in this either-or philosophy.

Nikki Alexander
Atlanta, GA

"The
best I've read so far …"

The
article "A Charitable Foundation for Entrepreneurs" by
Robert Ringer is the best one I've read so far. Its honesty
hits the spot. Its common sense is surprisingly simple.
Good job, Robert, even if Bill is nowhere near to see it!

Vicki
Eaton
Wayne, NJ

"How
do these opinions make me healthier, wealthier, or wise?"

I'm a huge fan of Early to Rise, and I recommend
ETR every chance I get. So, for what it's worth, I thought
the tone of Robert Ringer's contribution in Message #1713 was
a frightening departure from your typically high standard.
I don't mean the subject matter, but the approach. It gave
me the feeling that I had encountered the otherwise sane
and sensible Mr. Ringer in the middle of a three-day booze
binge and he was just lashing out at everyone and everything.
The U.N. is corrupt and dysfunctional, great … Melinda
Gates is a mindless golddigger, really? Okay … philanthropy
is motivated by vanity, perhaps … but how do these opinions
make me any healthier, wealthier, or wise?

I'll follow you guys down a side road from time to time because
you've earned my trust, but I gotta tell ya, reading this,
I felt like we were lost.

KR
St. Petersburg, FL

Today's
Action Plan

Which
side of this debate are you on? Join the current discussion
on ETR's Speak
Out forum.

*
Advertisement *

101
Best Ways to Improve Your Life

Take
a look at this new offer!

Word
to the Wise: Lacuna

A "lacuna" (luh-KYOO-nuh)
is a blank space or missing part. The word is derived from
the Latin for "cavity."

Example
(as used by Moses Isegawa in Abyssinian
Chronicles ): "The exodus of wives,
relatives, friends, and hangers-on had left a big howling
lacuna which wrapped the homestead in webs of glorious nostalgia."

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

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

_____

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

_____

http://www.earlytorise.com/

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Successful Event Promotion – Behind the

Thursday, May 18th, 2006

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

www.earlytorise.com
Thursday,
May 18, 2006
Message #1732

WEALTHY: Why would anyone work for nothing? (Paul Lawrence)

HEALTHY: Where's that extra 10 pounds comin' from? (Michael Masterson)

WISE: Allan Carr on comedians

ALSO IN THIS ISSUE:

3 ways to build a freelance business (Peter Bowerman)

Not all medical research is the same

Add the word "lachrymose" to your vocabulary

* Highly Recommended *

Take a 5-Day “Summer Vacation” With Early to Rise
And Return Home with Your Own REAL Internet Business

Join us for five days this July 12th to 16th, and together we'll start your own real Internet business!

We won't give you "feel good" stuff that leaves you pumped… and nowhere to go after.

We won't give you knowledge you can't use (although you will know infinitely more that you'll use as you grow your business).

What you will learn flat-out works. None of it is hype. You will build a professional, REAL Internet business. And make no mistake about it, it is going to be work – probably even hard work – for five days.

But when you walk out the door, you'll be super-prepared for success in a way that very few entrepreneurs ever are, online or off. ETR's “Five Days in July” Internet Business-Building Bootcamp is going to deliver success. Actually, it will OVER deliver. And your success, of course, is the bottom line. Sound good?

Okay, then let's get going… let's build something that WORKS… your own, REAL Internet business.

Here's how to get the details.

- Patrick Coffey

"A lot of comedians, when they have a bad gig, will blame everything but themselves. They'll blame the crowd, or the room was wrong, it had a weird vibe, or the promoter promoted a weird atmosphere."

- Allan Carr

Successful Event Promotion – Behind the Scenes

By Paul Lawrence

My recent article, "Event Promotion: A Great No-Capital-Required Business" brought in a huge positive response. The article also drew a fair share of skepticism … like this e-mail from Phil Johnson of Milpitas, CA:

"Making $1,200 off the back of fledgling comics just happy to have stage time is no way to run a show. I am a music artist and comedian myself, and these are the kinds of shows that don't last long.

"Why should I, as a comedian, bring 10 of my fans and their money without getting a piece of it? I'm happy to bring people (and lots of them) if I'm being paid for the show, but using the idea that the comic or band is just happy to get stage time is a thinly veiled way of taking advantage of them. I can go to an open-mic night if I just need stage time.

"When I'm doing a show that I'm going to put work into, I get paid for it. Plus, if you're only willing to book comics who will perform for free, you're going to get the bottom of the barrel and it won't be a good show. You can only fool an audience a couple of times before they get sick of paying $5 for a bad show.

"As you always say, business should be done as a win-win situation. You making $1,200 while your comics get a few measly minutes on stage is hardly win-win."

Phil is right. In the world of comedians, there are some who will not want to work for free. I'm a stand-up comic, myself. (I've performed onstage in all the Improv clubs in South Florida, the Hollywood Melrose Improv, and the Laugh Factory in LA.) And I can tell you that, in my experience, these are comedians who are at a higher level in their careers.

Phil is also right that many places have open-mic nights where comics can perform without bringing any paid guests. But it's been my experience that the audiences for these shows are made up primarily of other comics. While stage time of any kind is great for a comic, that doesn't offer the same benefit as performing in front of several hundred non-comedians.

Every part of the country is different. Here in South Florida, there are four major comedy clubs. The only open-mic shows they have require the comic to bring five to 10 paying guests. My comedian friends in NYC tell me it's the same thing there. In Los Angeles, there are places (like the Comedy Store and the Laugh Factory) where you can get stage time without going to a "bringer" show. But you have to wait outside for hours, and only a few of the dozens of swarming comics are chosen (by a lottery). And, once again, your audience is other comics.

As I explain in my event-promotion program, when choosing your event, you must consider local market factors. If you are expecting the entertainment to bring the audience, the deal must sound attractive to them.

I recently promoted The International Sketch Comedy Championship in Los Angeles. We not only asked each group to bring 20 paying audience members, we also required them to pay a fee just to be considered to perform. (In LA, that is a customary way of doing this kind of business.) But we made sure there was a huge benefit for the performers: We invited a number of heavyweight entertainment industry players to watch the show. And since then, nearly all of the participants have expressed their gratitude for getting to be part of the event.

One comedy group wrote: "The 18 Mighty Mountain Warriors are proud to have been part of the 2006 Sketch Comedy Championship. We were truly impressed by the professionalism of all parties involved and the high level of organization that was required to put such a high-profile event together. Our hats off to the producers for their support of the wacky comedy form known as sketch comedy, and a salute to all the talented performers we shared the stage with. What a wonderful, exhilarating experience it was!"

Another group said: "Friends With Benefits was very honored to be chosen from groups all over North America as one of the six finalists in the first-ever International Sketch Comedy Championship. Bringing our unique brand of comedy to an appreciative, sold-out, 296-seat theater right in the heart of downtown Los Angeles was a thrilling opportunity for us, as was being asked to participate in an event which served to promote and advance the state of sketch comedy entertainment. We would do it again in a heartbeat."

Some of our participants have since advanced their careers. The Competitive Awesome, for instance, was signed by a prominent management firm whose representative saw the group perform at the Sketch Comedy Championship.

So, it was clearly a win-win situation for all involved. And that's crucial to successful event promotion.

You'll have to come up with a way to make your event sound attractive to the entertainment. If it's a show featuring musical groups, for example, you could get a scout from a recording company to come out and watch the show. With comics, as I suggested before, it might be enough to simply offer them a chance to perform. Like I said, it all depends upon your market. In South Florida, while the advanced working comics won't be interested in doing a "bringer show," there are hordes of newer comics that consider it a win-win situation if you can provide them with a venue where there is a large, live audience to watch them.

Despite Phil Johnson's concerns – which you may share – event promotion is an excellent, risk-free way to earn thousands of dollars. And you earn even more money when you do it the right way … by making sure that your event is beneficial to all parties involved.

(Ed. Note: Paul Lawrence, a regular contributor to ETR, is a produced screenwriter, direct-mail copywriter, and business author. He is also the creator of the Quick and Easy Microbusiness System, ETR's program for starting a business for under $100.)

Today's Action Plan

In Message #1719, Paul Lawrence introduced you to the idea of starting your own event promotion business. But there's not nearly enough room in an ETR article for all the details (including how to make sure you promote an event that will work in your particular market). If this sounds like an opportunity you'd like to learn more about, look into Paul's complete event promotion program .

* Highly Recommended *

Reclaim Your IRA from Wall Street's Grip… and Retire Years Sooner

Most people are missing out on what could be the best investment opportunity of a lifetime because they don't know what I'm about to tell you… There is a “hidden” IRS code that allows you to diversify your investments – and the fat cats on Wall Street are praying that you don't find out about it. (They could lose billions!)

This new code lets you take reclaim the power over your own portfolio, and lock in safer and more profitable investments. Just imagine retiring years sooner with a comfortable monthly income. Learn how you can take charge of your IRA – click here now.

The Diet Killer

By Michael Masterson

My regular diet is fairly healthy. I try to eat lots of protein and fresh vegetables, and limit myself when it comes to sugar and carbs.

But the big problem for me – and the thing that's keeping me about 5-10 pounds heavier than I'd like – is that I snack after dinner. It's almost always junk (cookies or ice cream). And it's almost always an extra 300-plus calories that I don't need.

Jon Herring, ETR's resident health expert, says it's not so bad to indulge once in a while. Any diet that is going to work needs to have a little give in it – room for you to occasionally reward yourself with some off-limits foods that you enjoy. That's why my indulgence is so unhealthy. Instead of treating myself once in a while, I do it two or three times a week.

You may have a similar problem. To limit this type of habitual snacking, Jon recommends:

1. Keeping "off-limits" foods out of the house entirely. That way, there's no temptation.

2. Choosing healthy snacks that will satisfy your sweet tooth and fill your stomach without sabotaging your health and weight-loss efforts. (Think fruit leather, yogurt, high-fiber cereal, organic applesauce, Newman's Own popcorn, or fresh berries.)

Tame Your Self-Marketing Fears and Build Your Freelance Business

By Peter Bowerman

The successful self-marketing of any freelance business is simply letting prospective clients know you're out there – on a consistent basis, in a variety of ways, and with a message they can hear.

If you can effectively reach enough of the people who can hire you, and you do that until you have as much work as you want, and you then repeat the process whenever you don't have work, I say you're a successful self-marketer.

However, for many freelancers, this is difficult. It has something to do with our feeling funny about saying nice things about ourselves. But successful self-marketing has absolutely nothing to do with ego … and everything to do with exposure.

Dare to Be Seen

As a single guy, I occasionally surf over to one of the online dating sites. The cliches there are rampant. Here are zillions of people, looking for the most important relationship of their lives, and barely one in a hundred takes the time to craft a message that is even remotely creative and original.

All of these ads are just like everyone else's. None stand out from the others. None attract attention. How do they expect to get noticed? (In the armed forces, when their lives depend on NOT being noticed, they call this "camouflage.")

Point is, as a freelancer, if you want to be seen by potential clients you HAVE to draw attention to yourself. That means elevating yourself above your competition by making the effort (which few do) to do regular self-marketing mailing, phoning, or networking campaigns.

Business-Building Is Not Immodesty

I know. You hate drawing attention to yourself. That's … immodest.

Listen. There's not a darned thing immodest about drawing attention to yourself when you have a legitimate, high-quality contribution to make to the marketplace.

I hate to say it, but you'd better be willing to draw some attention to yourself or you'll need to find another line of work. You're not selling some Veg-o-Muncher on late-night TV. You're a professional who is marketing a professional service.

Keep Showing Up

Want to know the simple key to success as a freelancer? Keep showing up. Assuming you're competent and reliable, it's all about making multiple impressions. The small-biz folks who build thriving businesses just keep showing up in front of their clients and prospects in a variety of ways. And keep knocking on new doors. A "last man standing" sort of thing. It's that simple.

(Ed. Note: This article originally ran in AWAI's The Golden Thread, a free weekly e-zine that's loaded with writing and marketing secrets, tips, and insights.

Peter Bowerman is the author of The Well-Fed Writer, an award-winning Book-of-the-Month Club selection, and its companion volume, The Well-Fed Writer: Back for Seconds, from which he adapted this article. Sign up for his free monthly e-zine.)

It's Good to Know: The 3 Types of Medical Research Studies

By Jon Herring

In the articles I write for ETR, I often refer to the results of research studies. Here's a little guide to help you understand the differences between the three basic types:

1. In an "observational study," individuals are observed, tested, or questioned, and certain outcomes are measured. No attempt is made to affect the outcome (by giving treatment, for example).

2. In a "clinical study," patients receive treatment in a clinic or other medical facility, and results are compared to those of a control group not receiving the treatment.

3. An "epidemiological study" involves an examination of the distribution of a disease and/or the determining factors related to that disease in a specific population.

* 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.

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With this incredible breakthrough, David is shifting the bar on what is possible in market forecasting. Find out more…..

Word to the Wise: Lachrymose

"Lachrymose" (LAK-ruh-mose) is another way of saying "tearful."

Example (as used by Rupert Brooke in a letter to James Strachey): "I promise to do my best, and if at any time my resolution lapses, pen me a few fierce vitriolic words and you shall receive by the next post a lachrymose & abject apology in my most emotional hand writing."

Michael
Masterson
Copyright ETR, LLC, 2006

Have a
Question for Michael Masterson?

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Own This House Free and Clear

Wednesday, May 17th, 2006

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

www.earlytorise.com
Wednesday, May 17, 2006
Message #1731

WEALTHY:
Beware bubble-market loans (Justin Ford)

HEALTHY:
An easy solution to a big health problem

WISE:
Ralph W. Sockman on borrowing

ALSO
IN THIS ISSUE:

A
retreat that fosters change (Michael
Masterson)

Damming
the deluge (David Cross)

Add
the word "nostrum" to your vocabulary

*
Highly Recommended *

Why
Try To Catch Fish In The Big, Wide Ocean When You Can Easily
Scoop Them Out Of A Barrel?

Ideas,
not money, are the true currency of business.

Ideas
for developing new products and services, for managing a
business more effectively, for marketing and selling your
product or service, for getting more business and for making
tons more money.

Take
one step and your family, friends and business associates
will be amazed at your newfound ability to come up with ideas
and solve the toughest problems… and you will come up with
at least one idea that's a massive, life-changing breakthrough.

Here's
how to get started today.

-
Charlie Byrne

"Let
us not bankrupt our todays by paying interest on the
regrets of yesterday and by borrowing in advance the
troubles of tomorrow."

- Ralph
W. Sockman

Own
This House Free and Clear … in 2056!

By
Justin Ford

Recently,
real estate prices in California reached such ridiculous
heights that only 14 percent of the state's population could
afford a median-priced home. In Northern California, only
7 percent could. When the median is out of reach of the middle
class, you've got a bubble.

So
what's a lender to do when the market peaks and people stop
borrowing and buying? He offers loans that make it easy for
borrowers to get into a loan … even if they may not be
able to make the payments later on.

Here
are some of the "easy" loans that could leave you
in the lurch later on:

Adjustable-rate
loans with low initial rates.
"Stated-income" and "no-doc" loans,
where you don't have to prove your income.
Interest-only
loans that eventually turn into amortizing loans (at
which time the payment soars, since it now includes principal).
Negative-amortization
loans with low initial payments that don't cover the
interest due. The unpaid interest gets tacked onto the
loan and the balance grows … even though you're making
all your payments on time.

Lenders
are basically lowering their lending standards. But that's
not a problem … for them. After all, loans are sold nowadays.
They get the financing fees and the points, discount the
loan a bit, sell it off, and start writing a new loan. And
let the devil take the hindmost.

Many
of these "creative" loans have gotten bad press
(with good reason), as rising loan payments are pitted against
stagnant or falling market values for properties, leaving
uninformed buyers in a bad situation . But the lending industry
keeps getting creative.

The
Newest "Creative" Lending Caters to Keeping Bubble
Prices Afloat

Now,
in addition to bubble markets that are turning soft, lenders
must deal with slacking loan demand due to rising interest
rates. So lenders are finding new ways to lower your payments.
They're doing it by stretching out the term.

USA
Today reports that Statewide Bancorp in Rancho Cucamonga,
California has received a slew of applications since it
introduced its 50-year loan in March. That's right, Five-Oh,
as in Hawaii.

Buy
that handyman bungalow for just $725,000 and pay it all off
by 2056. How could you not?

But
beware: The 50-year loans (so far) are adjustable. Still,
if you want to go fixed-rate (almost always preferable) and
you want to stretch the term, there are now 40-year fixed-rate
loans available. Freddie Mac has these loans, some with just
3 percent down (in some cases, zero down) for qualified borrowers.

This
is mostly a case of people who make their living in the real
estate industry trying desperate measures to keep the bubble
afloat. Adding 10 years to your 7 percent, 30-year loan …
assuming you keep the same rate (which is doubtful) … would
only save you about 6.7 percent on your monthly payments.
Yet, it would add nearly $59,000 in interest to every $100,000
borrowed.

With
the longer term, it's likely that you'll pay a slightly higher
rate. So your payment might only come down 4.5 percent a
month, or so, according to Freddie Mac. You could end up
paying over $70,000 in additional interest for every $100,000
borrowed.

Longer
Terms Don't Make a Bad Price a Good Price

Most
importantly, a longer-term loan doesn't turn the overpriced
bubble market property you're buying into a bargain. It may
lower the payments, but it doesn't lower the price. In fact,
it increases the amount you pay over time.

Would
I use a 40-year loan? Maybe a fixed-rate one … under the
right circumstances … to maximize cash flow on a rental
property bought at a significant discount to market value.
But, again, that longer-term loan wouldn't get me to pay
more than I otherwise would.

Longer
terms don't make a bad price a good price. Even in a bubble
market, you need to follow some general rules of real estate
investing.

Get
the best
purchase price first.
Then
get the right
financing, according to your goals for the
property. But think twice before exposing yourself to
an adjustable-rate loan – no matter how long the term
– especially if you're buying in a peaking market.
Buy
value first. Now, I've said this before, and it holds
true especially in a bubble market. This usually means
buying at or below the average-square-foot price …
buying at or below the average Gross Rent Multiplier
(the sales price divided by rent) … and buying at a
price that will cash flow using 80 percent to 90 percent
leverage (even if you don't intend to rent it out).
Buy
at an early
appreciation stage of the market cycle (not
the peak phase). And if you're buying in a market that's
peaking, do so only when you can buy deeply under-market
… usually at least 30 percent below market value.

Then
… go out and get the fixed-rate money that makes sense
according to your long-term goals.

(Ed.
Note: Justin Ford brings a disciplined, long-term, deep-value
perspective to investing in both stocks and real estate.
His most recent publication, Secret
Sunbelt Cities: America's Best Value Property Markets and
the Next Great Real Estate Booms, identifies
the next hot markets and helps individuals understand which
stage of appreciation their own market is in.)

Today's
Action Plan

As
Justin points out, the general rules of real estate investing
never change – even in a bubble market:

First,
get the best purchase price … then get the right financing.
He explains how to do it, in detail, here.

*
Highly Recommended *

Investors
are CASHING-OUT of Over-Priced Bubble Markets…
But Where Is That Money Going Now?

Real
estate investment companies across the country have searched
for the best places to re-invest huge profits made in hot
markets like California, Florida, NY, Massachusetts and Arizona.

They're
moving on quickly to the new real
estate boom-towns. Places where prices are still low,
cash-flow properties abound, the economies are growing and
prices are just beginning their bull move… all with an
extraordinarily high quality of life.

Two
and a half-million baby boomers, just starting to take early
retirement, are also headed this way. And they're taking billions with
them from the equity they're cashing out in the bubble markets….

Find
out which 5 cities are consistently at the top of the list
for huge profit potential, click
here now.

Worth
Quoting: Michael Masterson on Investing in Real Estate
…

"When
I look at my personal financial history, I can see that real
estate has been the single biggest wealth building investment.
Yet in the 15 or so years I've been actively doing it, I've
averaged only about two hours a week working on it!

"You
can see why I like real estate.

"But
it's not just me. Forbes.com lists real estate investors
as some of the richest men in the world. For instance, Donald
Trump, David Bren, Samuel Zell, and William Pulte each have
a net worth in the billions.

"Even
when you're young and just starting out, real estate offers
you a tremendous opportunity. That's because you don't need
a lot of money to get into it and you can use your youth
(i.e., the many years you have to let your investments appreciate)
to work in your favor. Start investing in real estate now,
and it could be a matter of years before you're making millions
… or even billions."

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

(Ed.
Note: Have you already read Automatic
Wealth for Grads … and Anyone Else Just Starting Out.)?
Let Michael know how it's helped you. What's the single most
useful piece of advice you discovered in the book? And how
have you used it in your pursuit of wealth and success? Let
him know at MostPowerfulSecret@ETRFeedback.com …
and maybe you'll see your name in print in a future issue
of ETR.)

A
Simple Nutritional Formula for Heart and Brain Protection

By
Jon Herring

Homocysteine,
an amino acid produced by your body, serves several important
functions. But once its job is done, it is meant to be
broken down and eliminated. If it's not, it builds up and
begins to attack your blood vessels. This paves the way
for heart disease, stroke, cognitive decline, and eye problems.
And a recent study in the New England Journal of Medicine suggests
that too much homocysteine can also lead to brain degeneration
– similar to that found in Alzheimer's patients.

But
the good news is … there's a highly effective nutritional
solution to normalize elevated homocysteine levels.

Several
nutrients are required to break down homocysteine. If you're
deficient in them, there is a good chance your homocysteine
levels are elevated. These nutrients include folate, vitamin
B6, vitamin B12, and N-acetyl cysteine (NAC). A good multi-vitamin
should have plenty of the first three, and you can find
NAC at any health food store. It is a safe, inexpensive,
and highly beneficial supplement.

Leadership
Technique: Get Your Best Employees to Welcome Change

By
Michael Masterson

Every
growing business can stimulate and reward new ideas by sponsoring
brainstorming retreats away from the office. Finding a tranquil,
neutral location where a half-dozen of your best people can
interact with thinkers and prodders from other industries
is a good way to start.

Don't
try to run these meetings yourself. Get a professional -
someone who runs such retreats for a living – to organize
the event. Build a loose structure around questions like
these:

How
can we generate more customers?
How
can we sell more products to our existing customer base?
How
can we improve the quality of our products?
How
can we improve our customer service?
How
can we increase the value of our products?
How
can we charge more for that extra value?
How
can we identify our most profitable customers?
How
can we improve our relationship with them?
How
can we decrease costs without decreasing quality?
How
can we accelerate the speed of everything we do?

Ask
the questions and record the answers. Make sure everything
is captured and documented and available for study.

The
goal should be to stimulate change in degrees. To ask new
questions that probably can't be answered immediately (but
will stimulate changes in the way people think). To come
up with new product and marketing ideas that can be tested
in the medium-term. And to identify changes that can produce
benefits almost immediately.

It's
Good to Know: How to Reduce Unwanted Mail

By David Cross

"Dear
Mr. Cross, in recognition of your longstanding and excellent
credit history, we are pleased to offer you …"

I'd
only lived in the USA for nine months, and already I was
receiving offers for credit cards and insurance from companies
that access your credit report to "pre-qualify" you.
The daily deluge of these offers was driving me nuts, wasting
valuable time, and putting me at risk for identity theft.
I wanted it to stop. Immediately.

I discovered that there is a way to opt out of receiving these
types of offers. Just call the Consumer Credit Reporting Industry's
opt-in/opt-out automated service at 1-888-567-8688, and follow
the detailed instructions.

It's been about a month since I've "opted out" of
receiving credit-card/insurance solicitations and I'm receiving,
maybe, 25 fewer letters a week. I figure that saves me about
90 seconds a day, or an entire working day a year. Not bad.

Side Note: One amusing aspect of this service is that the automated
system did not recognize my British accent. However, after
three unrecognized attempts, I cottoned on to what was going
on and switched to an impersonated "American" accent.
That did the trick.

As
always, with any automated system, speak slowly and with
clear diction.

(Ed.
Note: David Cross is Senior Internet Consultant to Agora
Publishing in Baltimore.)

*
Advertisement *

101
Best Ways to Improve Your Life

Take
a look at this new offer!

Word
to the Wise: Nostrum

A "nostrum" (NOS-trum)
is a cure-all – a (usually questionable) remedy or scheme.
The word is derived from the Latin for "our remedy."

Example
(as used by Charlotte Bronte in Shirley:
A Tale): "Old ladies were always offering
her their advice, recommending this or that nostrum."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

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to know the secrets to his success? Have a perplexing
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144 Ways to Save Time and Money

Tuesday, May 16th, 2006

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

www.earlytorise.com
Tuesday,
May 16, 2006
Message #1730

WEALTHY: Risk vs. reward? Not always (Charles Delvalle)

HEALTHY: Salt, potassium, and high blood pressure

WISE: Benjamin Franklin on time

ALSO IN THIS ISSUE:

The overworked cook and the stupid saleswomen (Bob Bly)

Need a reality check? (Michael Masterson)

Add the word “salmagundi” 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.

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

- Patrick Coffey

Investing Abroad … in the U.S.

By Charles Delvalle

Investing in the U.S. stock market is relatively safe, but offers modest returns. Foreign stocks and funds promise higher returns, but in exchange for greater risk.

The fact is, many foreign markets aren't regulated as stringently as the U.S. market. Never mind the extra fees and foreign currency risk you incur when directly investing abroad. And to top things off, you never know when the country you're investing in will suddenly pull a “Bolivia” and nationalize the industry you've sunk money into.

But you don't have to choose between safety and higher returns. You can have your cake and eat it too by putting your money in a U.S.-listed company doing business overseas.

If you find China's economic growth irresistible, for example, you can invest in mining companies like Rio Tinto or Falconbridge. They've grown by leaps and bounds – thanks, in part, to China's voracious appetite for minerals and metals – and promise steady increases in the future.

A company that's into China (or Brazil, India, Australia, etc.) big-time can give you the convenience and transparency of a U.S. investment buoyed by the exciting growth of an emerging economy. Just make sure it's a company that you've researched and like for other reasons. Simply doing business in one of these countries is not a cure-all for a company's growth problems.

(Ed. Note: Charles Delvalle is the Managing Editor of ETR's Money Insight newsletter.)

“Time is money.”

- Benjamin Franklin

The Timeless Appeal of “144 Ways to Save Time and Money”

By Bob Bly

Decades ago, my mentor, Milt Pierce, wrote what became a long-running direct-mail package for Good Housekeeping. The envelope teaser copy: “144 Ways Good Housekeeping Can Save You Time and Money.”

This package was unbeaten in the mail for over a quarter of a century. Why was it so successful?

Back then, the promise of saving time and money was very appealing. And it remains so today. In fact, saving your customer time is more important than ever. In the 21st century – with both spouses often working – we all have too much to do… and not enough time to do it.

What does this mean for you as a marketer? Simply this…

In your sales and marketing efforts, if you can show the customer how you can save him time or serve him faster, your sales will skyrocket. Conversely, wasting his time is one of the surest ways to turn him off.

For example…

In my little copywriting business, I have a “virtual office.” My assistants work from their own homes, many miles away from my office in Dumont, NJ. Because of this, I work in complete isolation. So, some days, I break up the isolation by going out to a local coffee shop for a quick lunch.

While I was eating lunch a few weeks ago, at the peak of the busy lunch hour, two young women walked in. I immediately identified them as salespeople by the way they carried themselves, their manner, and their corporate attire.

Sure enough, instead of asking for a menu, they asked Peg, the waitress, if they could speak with the owner – who also happens to be the short-order cook. Peg walked over to the grill and relayed the message to him.

His irritation was immediate, visible, and audible.

In other words, he was pissed.

Peg came back and told the women, “I'm sorry, but it is the middle of lunch hour, and he is busy with orders.”

Crestfallen, the two saleswomen thanked Peg and left. Peg turned to me, and said, “How stupid can they be – to call on a restaurant owner during lunch hour?”

Of course, she is right. By making a sales call during the height of the lunch hour, these sales amateurs showed an utter disregard for their prospect's time. He returned the favor by refusing to see them or consider buying what they were selling.

In contrast, here's an example of a company that won a big sale by making an extra effort to respect the customer's busy schedule and save him time…

Years ago, I did some work for a company – let's call it ABC Software – that was a distributor of software for the corporate market. A salesperson for ABC told me the following story…

He was trying to get a big corporate account – let's call them XYZ Corporation – to buy their software from ABC.

One of the advantages ABC offered was that they did not require a separate purchase order (PO) for each purchase. The customer only had to issue a one-time blanket PO to ABC to cover all purchases.

This saved purchasing departments a lot of time.

But even though ABC did not require a separate PO for each software package purchased, XYZ's accounting department did.

“My hands are tied,” said XYZ's purchasing manager to ABC's salesman. “I'd like to use you, but I just don't have time to fill out all those POs.”

“Not a problem,” replied ABC's persistent salesman. “Just give me a stack of blank POs. Whenever you want to buy a software package, just let me know. I will fill out the PO for you, and then fax it to you for your signature.”

By offering to lift the paperwork burden from the customer onto his shoulders, the salesman saved that customer a lot of time … and, as a result, won a major national account.

(Ed. Note: Bob Bly is the editor of ETR's Direct Marketing University: The Masters Edition, a program to help you start your own successful direct-mail business.)

* Highly Recommended *

Highly Recommended

“As a result of Dave's course, I felt confident and well-briefed going into my first deal….I netted $26,375 in profits! I have three other projects currently underway, and project to net over $30,000 each! I would strongly recommend to any current or potential real estate investor to consider purchasing Dave Lindahl's course.”
- Alastair Hudson, Watertown, MA

Self-made real estate millionaire Dave Lindahl built his fortune by making choice real estate deals come to him. Learn more about how he created an easy-to-use, low-cost marketing machine that drives deals his way day and night.

Potassium: A Natural Alternative to Blood Pressure Drugs

By Jon Herring

When it comes to lowering your blood pressure, all you hear is “Eat less salt.” But increasing your intake of potassium could be just as important.

A panel of research scientists at Johns Hopkins University who analyzed data from more than 30 studies concluded that potassium works nearly as well as drug therapy to lower blood pressure … and without the negative side effects. Though those with normal blood pressure levels experienced a benefit with potassium, the effect was much greater for those who were hypertensive – especially for those considered “salt-sensitive.”

You might consider a potassium supplement if you have high blood pressure. But why not simply incorporate more potassium in your diet? Most fruits and beans are good sources of this electrolyte mineral. The best sources include dark leafy greens, broccoli, Brussels sprouts, mushrooms, carrots, tomatoes, and cantaloupe.

Notes From Michael Masterson's Journal: “Getting on with it”

“Anything you plant here grows. If it gets itself together, Nigeria could feed Africa.” That's the point of view of Graham Hatty, a white farmer who, after his land was taken from him by Mugabe's government, fled Zimbabwe and relocated to Nigeria, where there are not enough good farmers to take care of the country's needs.

The relocation of white “talent” was the idea of the governor of Kwara, a predominantly Muslim state, and the Zimbabwe Commercial Farmers Union. The idea was to give away free land and guaranteed bank loans to any dispossessed Zimbabwean farmer who would settle in Kwara.

So far, Hatty and four other Zimbabwean farmers in his syndicate have produced about 600 tons of maize, which should earn about $200,000, according to a report in Newsweek magazine.

The transition has been tough. The relocated farmers have endured typhoid fever, bouts of malaria, water problems, nasty political opposition, and swindling local contractors.

Still, they persist.

“We've had locals say that if we don't leave they'll sort us out,” Hatty told Newsweek, “but 90 percent of them welcomed us.”

“Sometimes you get depressed and want to quit,” said the wife of one of Hatty's colleagues.

But Hatty is optimistic: “I could be sitting in Zimbabwe being a miserable old fart, like most of my friends,” he says. “Instead I'm getting on with it.”

Today's Action Plan

How are you feeling today? Depressed by all the problems lined up against you? Here's what you can do to feel better in five minutes. Write down a list of your five biggest problems … and then compare them to Hatty's:

He works in a completely foreign environment.

He knows few people and has no idea where to go for help.

The main resource needed to run his business [water] is in jeopardy.

He is practically dying of diarrhea.

People are threatening to kill him.

* Advertisement *

Energy Crisis: The Next Big Winners (and Losers!)

Chevron has bought California-based Unocal. China's national oil giant has bought a major oil company based in Canada. And in 2006, two other companies with dirt-cheap oil reserves are ripe for takeover. Smart investors who buy them in advance could make windfall profits and secure their retirement for life.

But for other investors, surging energy prices will be a disaster. Anyone who bought Delta Airlines and United Airlines in their heyday has already lost 99% of their money. And now, 21 other major companies are on the brink.
In this special report, learn how to jump on the winners and sidestep the losers, along with six simple ways to lock in safe yields while giving you the potential to grab remarkably large profits for yourself.

The report is entirely free, but only for a very limited time. To have a copy emailed to you immediately, click here now!

Word to the Wise: Salmagundi

“Salmagundi” (sal-muh-GUN-dee) is a salad plate, usually consisting of chopped meat, anchovies, eggs, and onions, served with oil and vinegar. By extension, we use the word to apply to any mixture or assortment.

Example (as used by Jane Shilling in the Daily Telegraph): “A glance at the schedule is enough to make one feel that one would rather go out and shoot songbirds than stay in and watch the dismal salmagundi of game shows, repeats, and soap operas.”

Michael
Masterson
Copyright ETR, LLC, 2006

Have a
Question for Michael Masterson?

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at http://speakoutforum.com/forum/

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RISE. Protected by U.S. Copyright Law {Title 17 U.S.C.
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I'll tell you explicitly. Otherwise, view these ads the way
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How to Sell to the Small-Business Owner

Monday, May 15th, 2006

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

www.earlytorise.com
Monday, May 15, 2006
Message #1729

WEALTHY:
Closing in on foreclosures (Kam Weiler)

HEALTHY:
Plastics, pregnancy, and prostate cancer

WISE:
Sue Kelly on being a small-business owner

ALSO
IN THIS ISSUE:

Sales
techniques for a tough customer (Michael
Masterson)

Take
a look at ETR's new headquarters! (Charlie Byrne)

Add
the word "ephemeral" to your vocabulary

*
Highly Recommended *

Just
a few months back, I got interested in adapting engineering
innovation systems for business purposes. My quest
took me to read about two systems called SCAMPER and TRIZ.

But
it was very hard to read about and understand these engineering
innovation systems. Engineers write these programs,
and they write in such a way that only people with engineering
degrees can understand them. For us entrepreneurs,
it's like reading Latin. Moreover, most of these programs
talk about how to come up with new products. Not how
to come up with new ideas.

And
that's where David Deutsch's program Think
Inside the Box is different and better.

This
program is easy for business owners and entrepreneurs to
understand. And it doesn't just talk about coming up
with new products. Instead it talks about coming up
with ideas to solve any and all sorts of business and marketing
problems. The 15 boxes make it easy to actually "implement" the
system and come up with ideas instantly.

Even
though it's not quite as comprehensive as TRIZ (TRIZ has
40 solutions, while Think Inside the Box presents
15 solutions), it's much better than any program I've
read on TRIZ.

The
workbook along with the program is fantastic. It makes
coming up with ideas so much easier and makes the experience
of reading "Think Inside the Box" delightful.

The
way I rate a program is by counting how many pages are dog-eared
after reading. And my copy of "Think Inside the Box" is
dog-eared extensively! About 15% of the 128 pages (before
the summary) of the program is dog-eared!

Thanks
to David for writing a program on idea generation which
entrepreneurs can understand and implement to make their
lives better.

Kind
regards,
Ankesh Kothari

Miami "Heat"?
Condo Investors Feel the Burn

By
Kam Weiler

Jack
McCabe is ready to move in for the kill in Miami, where the
number of unsold condos has more than doubled from a year
ago to 2,232 and foreclosures are twice the national rate.
According to a recent article in Forbes, he's taking
advantage of the recent spike in foreclosures by raising
a $250 million vulture fund. [Ed. Note: A vulture fund specializes
in buying properties or other investments in distress.]

McCabe
hopes to pick up $1 billion worth of South Florida apartments
on the cheap – and lenders are already offering him blocks
of repossessed condos. "We'll focus on buying million-dollar
properties at 2003 prices," he says.

But
Miami isn't the only place to take advantage of the foreclosure
trend – and you don't need $250 million to do it. You can
purchase individual foreclosure properties in your own neighborhood
or in any "hot" foreclosure market.

One
affordable area to check out, says Ted Thomas, a real estate
investor with over 20 years of experience in foreclosures,
is Houston, Texas, with a median home price of just over
$136,000. Houston has one of the highest foreclosure rates
in the country – and it's just one of many cities where you
can find discounted homes in good neighborhoods for minimal
investment dollars.

(Ed. Note: Kam Weiler, contributing editor for Main
Street Millionaire, ETR's real estate investment
success program, is a real estate investor and licensed real
estate agent in Austin, Texas.)

Today's
Action Plan

As
Kam points out, you don't need a lot of money to get started
in the foreclosure market, but you do need to know what you're
doing. If you're interested in learning how foreclosure investing
works – and hearing more of Ted Thomas's specific recommendations
– you might want to attend his upcoming
conference

"As
a former small business owner, I recognize both the important
role small businesses play in our economy and the broad
universe of challenges that small business owners face
in trying to make ends meet."

-
Sue Kelly

How
to Sell to the Small-Business Owner

By
Michael Masterson

If
you are in the business (or thinking of getting into the
business) of selling to small-business owners, beware. It's
a tough market to reach and tougher even to sell.

Small-business
owners are very busy people. They may need your product or
service, but they don't have the time to think about it.
They are up early and deep into their work by the time that
first cup of coffee hits their lips. Although they sometimes
fantasize about kicking back in their chairs and casually
reading through the marketing material in their inboxes,
they seldom can.

When
the time comes to make buying decisions, small-business owners
are impatient shoppers, demanding buyers, and tight with
their wallets. (The average small business has a net income
of only 6.3 percent of revenues, so owners tend to pinch
pennies.) But if you get their loyalty – earn it and keep
earning it – they will stay with you for life.

And
there are plenty of them. As of 2004, e-merchants alone accounted
for about 10 percent of the U.S. GDP (gross domestic product).

A
new book on this subject, Outfoxing
the Small Business Owner by Gene Marks,
landed on my desk yesterday morning. I scanned it very quickly
during my afternoon cigar break, and learned some interesting
facts:

80,000
small businesses open up every year in this country.
The
majority of U.S. small businesses use the Internet for
online marketing.

The
average small business has six employees.
The
average age of a small-business owner is 49.
About
three out of 10 small-business owners do not have a college
degree.
The
top three problems for small businesses are health insurance,
federal taxation, and locating qualified employees.

Marks'
book also offers useful, practical advice – and some very
inside insights – on selling to this growing and increasingly
attractive sector of the American market. (He calls them "plucky
foxes.") For example:

Small-business
owners are always on the run, so call ahead to confirm
your sales visits. Maintain a very flexible schedule
and be prepared to make changes for this chaotic customer.

Don't
gang up on the small-business owner. If you show up with
a team of six people in power suits, you'll most likely
alienate him.

Your
product or service should save your "family fox" time.
More time saved at work means more time that he can spend
with his family.

Always
offer a money-back guarantee to the glass-is-half-empty
small-business owner. This will help temper his lack
of faith in human nature.

Your
product or service must clearly show "the fat and
happy fox" an increase in profits, so he will feel
even more secure working with your company.

Don't
be deceived by the looks of a small company's offices.
A derelict building may house a little goldmine.
It
may take five years to make a sale. Have patience.

My
experience selling to small-business owners has been limited.
When I was in my twenties, I did some direct selling and
discovered I didn't have the skin for that sort of marketing.
Later, when I got into publishing, I had the opportunity
to sell specialized newsletters to this market. We had modest
success in the mail, but were less successful on the phone.
It was tough to get them to listen to a sales pitch for more
than 30 seconds. And if you did get them to listen,
it was very tough to overcome their many objections.

Maybe
we would have had more luck with our small-business prospects
if we'd had these tips on how to overcome four of their most
common sales objections:

Objection
Number One: "I have no money."

First
thing you need to do, Marks says, is believe him. Then get
him to agree that he'd buy your product if he had the money.
Keep at him until he agrees to buy it on some sort of payment
plan. Offer financing, if you can.

Objection
Number Two: "It costs too much."

Jeffrey
Fox has a good answer for this objection in his book How
to Become a Rainmaker. It's all about demonstrating
value.

As
I mentioned in Message #1684,
people usually make purchases out of desire rather than need.
And because a customer's desires are often inscrutable and/or
ephemeral, a good salesperson or marketer must think beyond
the obvious when he figures out how to sell things.

"Rainmakers
don't sell fasteners or valves or washing machines or double-paned
windows or tax audits or irrigation systems or training programs
or golf clubs. Rainmakers sell money!" Fox says. "Rainmakers
help the customer see the money. Rainmakers turn benefits
into dollars. The plumber who generates the most revenue
doesn't charge $50 for a service call, he sells a clean,
dry basement for $100, saving the customer a thousand-dollar
carpet."

Objection
Number Three: "I can do this myself. Why do I need
you?"

This
objection is easily overcome with the "value of time" argument.
Ask the prospect how much he could be making a year if his
business were running at maximum efficiency. Figure out how
much that equates to on an hourly basis. Almost certainly
(especially if you have coached him correctly), that number
will be a lot higher than the price you are asking for your
service. Tell him, "The only way you can break out
of the rut you are in is if you allow less-valuable people
to do your less-valuable work." Get him to agree to
that proposition … and you have clinched the sale.

Objection
Number Four: "Let me think about it."

Marks
says, "When a plucky fox says 'let me think about it,'
he's secretly telling you that he's still interested in your
product or service. It's just that he's still not experiencing
enough pain to push him over the edge and make him buy. You
need to create a sense of urgency, like a price increase
or a horrific scenario that will occur if your product is
not purchased. You need to overcome this objection by making
sure your reasons for him buying are clear, the return on
investment is obvious (and quick), and you're hammering away
the point again and again until the timing is right. After
a while, his defenses will fail."

Marketing
to small-business owners is a tough game. But if you have
a good product, can sell it at a competitive price, and have
the tenacity to work hard for that first sale, you'll be
rewarded with a loyal, profitable customer for life.

*
Highly Recommended *

Three
of the Greatest Stock Stories of the Last Five Years

FLIR
up 4,649%

GLW
up 2,444%

AAPL
up 1,205%

All
three of these very different companies had ONE thing in
common… and right now, there are THREE more companies with
the same rock-solid profit indicator in place. And they are
set to skyrocket over 1000% in the coming few years. Click
here to learn more.

Reader
Feedback: "Michael Masterson has literally opened
the door of opportunity for me."

"The AWAI
Copywriting Program is really one of a kind.
I feel like going over it and over it again. It's simply
fantastic.

"I
love writing, and I've always felt confident at writing
good business letters. But here is a program that has so
much in it that I had never thought of. I have been going
through every word, every statement, every thought that
went through the minds of those writing the AWAI Hall
of Fame letters. I'm chewing on every bit of advice
and suggestion … and will be a copywriter myself very
soon.

"Michael
Masterson and his team have done such a great job. I wish
I could meet them in person. Being on the other side of
the globe is the only reason it hasn't yet happened. But
I'll get there.

"I
only wish this program had been available to me some years
ago. I would certainly, without a doubt in my mind, be
a millionaire by now. You know … when I write or even
view ads or listen to a sales presentation now, I automatically
see things so differently. Michael Masterson has literally
opened the door of opportunity for me."

-
Eustace M.S. Menezes
Doha, Qatar

Could
Prostate Cancer Start in the Womb?

By
Jon Herring

Scientists
have found that traces of the chemicals used to make plastics
are present in many of the foods we eat. And researchers
at the University of Missouri believe that, for pregnant
women, this seemingly insignificant – but constant – exposure
can have disastrous effects on their unborn sons.

The
researchers suggest that one of those chemicals – bisphenol
A – can cause microscopic changes in the developing prostate
gland of a male fetus. While these changes are not noticeable
at birth, they can show up later – in the form of prostate
disease.

Bisphenol
A exerts its effect by imitating the hormone estrogen. And
– no matter what happened in the womb – men can lower the
risk of prostate disease by lowering the amount of estrogen
in their blood. One effective way to do it is to eat cruciferous
vegetables like broccoli, cauliflower, cabbage, and Brussels
sprouts. It's also a good idea to avoid food and drinks that
are stored in plastic or come in contact with heated plastic
(in the microwave, for example).

ETR
Insider Report: We're On the Move. Literally.

By
Charlie Byrne

It's
been almost seven months since Hurricane Wilma blew the roof
off ETR headquarters on October 24th.

But
now, after gutting the building and renovating it nearly
from scratch, we're almost ready to move back in.

Our
new business manger, Steve Sayre, is finalizing the cubicle
layouts and making arrangements for furniture delivery sometime
right around Memorial Day weekend.

(Hmmm
… I wonder who's going to get the window views?)

We'll
keep you up to date with contact information as we get closer
to move-in day. Meanwhile, here's what it looks like now
…

Drop
me an email at MovingDay@ETRFeedback.Com if
you have any good moving stories of your own to share with your
fellow ETR readers.

*
Advertisement *

Imagine
Being A Successful Children's Book Author

If
you think that's unlikely, think again. First-time children's
writers get published a lot more often than you realize.
Once you know
how to avoid the common mistakes that other beginners make,
getting your children's book on bookstore shelves can be easier
and faster than you've ever imagined. Click
here to learn more.

Word
to the Wise: Ephemeral

Something
that's "ephemeral" (ih-FEM-ur-ul)
lasts for a very short time. The word is derived from the
Greek "hemera" ("day").

Example
(as I used it today): "People usually make purchases
out of desire rather than need. And because a customer's
desires are often inscrutable and/or ephemeral, a good salesperson
or marketer must think beyond the obvious when he figures
out how to sell things."

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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BECOME AN EARLY TO RISE MEMBER, please visit: http://www.earlytorise.com/

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email support@earlytorise.com

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4 More Legal Secrets

Saturday, May 13th, 2006

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

www.earlytorise.com
Saturday,
May 13, 2006
Message #1727

WEALTHY: A chart for investors who hate charts (Charles Delvalle)

HEALTHY: Birth control for babies?

WISE: Benjamin Franklin on lawyers

ALSO IN THIS ISSUE:

How the law affects your advertising (Clayton Makepeace)

Am I overstepping my bounds? (Michael Masterson)

Add the word "edacious" 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

Tracking Trends

By Charles Delvalle

When done correctly, tracking trends can not only point you to the best investing opportunities, but also help you know when to get in and out of stock positions.
When done incorrectly, it can betray you at every turn – leading you to buy high and sell low when you jump into a trend too late.

Avoid this common mistake by looking at the 50- and 200-day moving averages on a company's stock price chart. Both moving averages smooth the ups and downs of the daily price line and let you see the bigger picture – how the stock has been trending over the past 50 and 200 days.

Almost all the online financial sites give you the option of clicking on 50- and 200-day moving averages when you pull up a stock's price chart. Once you've made those clicks, you see all three price lines – the daily, the 50-day, and the 200-day – in one chart.

If the daily price line is staying above or crosses above the 50- and 200-day moving average price lines, the up-trend is strong and the rally should continue. It's not too late to buy the stock. But if the daily price line is falling below both of these averages, the up-trend is clearly flagging and prices are probably about to peak and head back down. Buying the stock at this point would be very risky.

Even if you hate chart gazing, this is one chart you should look at before you buy any stock.

(Ed. Note: Charles Delvalle is the Managing Editor of ETR's Money Insight newsletter.)

"A countryman between two lawyers is like a fish between two cats."

- Benjamin Franklin

4 More Legal Secrets You Need to Know

By Clayton Makepeace

In my last Early to Rise article , I regaled you with a personal story about the potential scary legal issues that can crop up when you work for (or with) less-than-honest marketers. I also outlined the 3 "Golden Rules" that I always follow when working with my own clients.

Unfortunately, in today's highly regulated, lawsuit-crazy world, it's not enough to simply follow my Golden Rules. So here are 4 more legal secrets designed to help you avoid legal entanglements …

1. Memorize everything you see on the U.S. Federal Trade Commission website at http://www.ftc.gov/.

The FTC is the arm of the government that sets the rules for all advertising, marketing, and sales conducted in this country. The Commission's main purpose is to protect consumers from scammers and scoundrels.

For the most part, the FTC wants to make sure you follow my 3 Golden Rules. If you do, you'll be miles ahead of the game – but NOT home free. There are other little wrinkles you need to be aware of … like the "reasonable person" rule.

In a nutshell, it goes like this: As a business owner, marketing exec, or copywriter, you are not only required to tell the objective truth. You must also avoid giving your prospect a false impression about your product by omitting or failing to mention a key fact about it.

To learn more, I strongly recommend you spend a few hours at: http://www.ftc.gov/bcp/guides/guides.htm That's where the FTC keeps its "Plain English" guides for advertisers and marketers. To avoid potential legal hot water, I suggest you visit them often.

2. Carefully study the regulations governed by any regulatory agency that has jurisdiction over your clients or products.

While the FTC watches marketers in nearly every industry, some types of businesses are also governed by their own sets of regulators.

If, for example, you (or your client) are selling stocks, mutual funds, and other kinds of securities investments, you'll need to understand the ground rules set out by the Securities & Exchange Commission as well as the National Association of Securities Dealers.

If you're involved in the selling of commodity futures or futures options, you need to study the Commodity Futures Trading Commission site

And if you sell nutritional supplements, you should study FDA.gov for guidance in preparing your advertising and marketing materials.

If you don't know which agency regulates the industry you're working in, check out this list at the U.S. government's Web portal:

3. Keep your legal antennae tuned.

Unfortunately, the laws and regulations governing the advertising and marketing of products and services are not carved in stone. So, to keep on top of shifts in the legal landscape, it's absolutely crucial to have an attorney review your sales copy before it's mailed.

Many years ago, for example, the SEC hauled in a guy named Chris Lowe. He wasn't selling regulated securities – just publishing a monthly investment advisory newsletter offering his opinions and recommendations.

The way Chris saw it, sharing his opinions and recommendations was free speech – protected under the First Amendment. And so he blissfully ignored the SEC's prohibitions against using testimonials, his track record, and other credibility devices when promoting his newsletter.

The SEC did not appreciate being ignored. They promptly shut down his operation and seized his bank account.

Chris fought back all the way to the Supreme Court, where they determined that he was indeed operating under his First Amendment rights. A major victory was won for financial publishers!

Ever since the famous "Lowe Decision," marketers of investment and financial information products have been pretty much free to operate under the far more liberal FTC guidelines. Nevertheless, the SEC or CFTC still takes a run at a financial publisher every few years. (And something similar happened with the FDA not too long ago.)

So always keep your ear to the ground. The rules for marketing regulated products are constantly changing – and when they do, you do NOT want to be the last one to know.

4. In our lawsuit-happy country, anyone can sue you at any time and for any reason. And even if you win, the suit is going to cost you tens of thousands – perhaps hundreds of thousands – of dollars.

Here are just a couple ridiculous examples …

January 2000: Kathleen Robertson of Austin, Texas was awarded $780,000 after she tripped over a toddler who was running amok inside a furniture store.

The out-of-control kid was Ms. Robertson's own son!

October 1998: Terrence Dickson of Bristol, Pennsylvania was awarded more than $500,000 when a faulty door opener trapped him inside a garage and forced him to subsist on Pepsi and dog food for 8 days.

Mr. Dickson had been robbing the house before he got trapped in the garage!

You can't make this stuff up.

Business owners should buy insurance to protect themselves against these kinds of things

and if you're a copywriter or a marketing consultant, consider adding the following to your contracts:

A. A clause that says your client takes full responsibility for determining the accuracy, legality, and regulatory compliance of all statements in the copy before it is used.

B. A "Hold Harmless" clause that says if your client is sued for any reason, he can't turn around and sue YOU.

C. An "Indemnification" clause that says if YOU are named as a party in any regulatory or legal action against your client, he will reimburse you for any legal fees or awards assessed against you.

Pretty scary stuff … but absolutely CRUCIAL to your success.

As you can see, it's one thing to make big money as a business owner or copywriter or marketer. HOLDING ON to the money you make is another matter entirely.

So follow my 3 Golden Rules … follow your industry's regulatory guidelines … get a lawyer's help when appropriate … CYA with contract provisions that protect you when the worst happens … and you have a good shot at both getting rich and staying that way.

Legal Disclaimer: My lawyer felt it was important to tell you that I am NOT an attorney. His advice: Disregard anything in the above article that smacks of legal advice – except, of course, that you should hire a lawyer. Preferably him.

(Ed. Note: Clayton Makepeace offers help in reaping maximum profits through the Internet, direct mail, and print advertising every week in his free e-zine, The Total Package.)

* Highly Recommended *

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write, publish, and market your book into a bestseller!

This is an opportunity that I ve hoped to be able to offer ETR readers for a long time. But, quite frankly, I wasn t confident that it would ever happen.
Now, it s my pleasure to be able to tell you that Robert Ringer — the most successful self-published author in history — has finally agreed to share his most treasured secrets with you in a rare teleseminar series. For the first time ever, he will teach you:

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How to market your book into a bestseller — and make yourself famous in the process!

I m also happy to report that I ve made arrangements with Robert to offer ETR subscribers a special discount. To find out more about this exciting opportunity, CLICK HERE.

Yours sincerely,
Will Bonner

New Concerns About Soy and Your Baby's Health

By Jon Herring

Soy is a booming business. It's found in hundreds of products worldwide and pulls in billions of dollars every year. But not everyone thinks it's safe. Now, an independent panel from the National Institutes of Health (NIH) is planning to investigate soy baby formula.

That's good news … but this review is long overdue. Almost 10 years ago, the British medical journal Lancet published a study on infants who consume soy formula. The study revealed that, on a bodyweight basis, their exposure to estrogen was 6 to 11 times higher than the amount that has a hormonal effect on adults. To put this in perspective, toxicologists have estimated that a baby fed exclusively soy formula consumes the estrogen equivalent of five birth-control pills every day.

As you know from reading my past articles in ETR, too much estrogen can wreak havoc on your body. For babies, it can damage developing tissues during infancy, increasing their risk of prostate, breast, and ovarian cancers later in life.

According to nutrition expert Dr. Joseph Mercola, soy infant formula is one of the worst things you can feed babies. Human breast milk is, by far, their safest and most nutritious food source. To learn more about the health risks (for children and adults) associated with soy products, check out the book The Whole Soy Story: The Dark Side of America's Favorite Health Food.

Dear Michael Masterson: "Stick to what you know and do best …"

Dear Michael Masterson,

I'm a fan. I've bought and read your books, and I like ETR. But I have a favor to ask …

Please keep your comments and writings to marketing and business. Leave politics and religion out of it. If you have strong views on either subject, there are other venues you can use to express them. And if I want to hear or discuss such things, I'll pursue other avenues. I read ETR for the business and marketing information. I prefer to get my appetite for religion and political issues satisfied elsewhere.

Stick to what you know and do best – marketing and business building. Thanks.

- James McGovern
Palm Beach Gardens, FL

Dear Mr. McGovern,

You are 100 percent right. I am not an expert in religion, politics, and many other subjects. My opinions on these matters are no more valuable than those of the no-name guy standing behind you in the supermarket check-out line.

I've been sticking these things in ETR to indulge myself. The writer in me wants my thoughts out there in public, for better or worse. Before I banish these indulgences from ETR entirely, however, I'd like to do a little reader survey. So let's make that …

Today's Action Plan

I've got two ideas that will make it easier for you (and anyone else who's not interested) to avoid my personal opinions. So I'm asking everyone out there who's reading this which one you would prefer:

(A) No further mention of religion and politics in ETR at all. Or …

(B) Include them, but only under the banner "Uninformed Thoughts That Shouldn't Be Here."

Let me know what you think at Survey Monkey.

- Michael Masterson

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Word to the Wise: Edacious

"Edacious" (ih-DAY-shus) is another way of saying "extremely hungry." The word is derived from the Latin "edax" ("gluttonous").

Example (as used by Isaac Taylor in Natural History of Enthusiasm ): "Our … high-toned irritability, edacious appetites, and pampered constitutions."

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

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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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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.

http://www.earlytorise.com/

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Setting Standards, Part 2

Friday, May 12th, 2006

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

www.earlytorise.com
Friday,
May 12, 2006
Message #1726

WEALTHY: The easiest way to invest in foreign real estate

HEALTHY: Toxic chemicals in your clothes?

WISE: Winston Churchill on the "adventure" of writing a book

ALSO IN THIS ISSUE:

The long, slow road to excellence (Michael Masterson)

Feedback Friday: "Geezers" strike back!

Add the word "pontificate" to your vocabulary

* Highly Recommended *

"Two months after getting your course, I closed on a four-family With the help of you and the Real Estate Investor's Marketing Tool Kit, I paid $184,000 and only put $2,000 down. I could easily resell it for $225,000, but I'm going to keep it for a while, because I'm getting a $950 per month positive cash flow! Thanks, Dave!"
-Acer Colt, Hartford, CT

Dave Lindahl went from broke landscaper to real estate millionaire in just 4-1/2 years. And he quickly discovered that the easy, low-cost techniques he used to jump-start his fortune were more effective than the expensive marketing methods used by wealthier investors. Click Here to learn how to put the same techniques to work for you.

Adding Foreign Real Estate to Your Portfolio

By Andrew Gordon

As Dave Lindahl pointed out yesterday, investing in real estate is one of the smarter ways to diversify your portfolio. But in addition to buying income properties here in the U.S., you might want to look into foreign real estate.The easiest way to invest in foreign real estate is through an REIT (real estate investment trust) that specializes in global properties. Besides balancing your other equity holdings, you get dividends four times a year, as well as an opportunity to profit from capital appreciation.

Another good way to invest in foreign real estate is through a mutual fund like the Alpine International Real Estate Fund (EGLRX). Alpine invests primarily in foreign companies that either have substantial real estate holdings or a principal business that is real estate related. A no-load fund with 1.18 percent expense ratio, Alpine requires only a $1,000 minimum investment to get started. And it has given its investors 25 percent annual returns for the past five years, easily outperforming the S&P 500.

(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.)

"Writing a book is an adventure. To begin with, it is a toy and an amusement; then it becomes a mistress, and then it becomes a master, and then a tyrant. The last phase is that just as you are about to be reconciled to your servitude, you kill the monster, and fling him out to the public."

- Winston Churchill

Setting Standards: Speed vs. Excellence, Part 2

By Michael Masterson

On Monday, I wrote about the importance of applying standards for both speed and excellence to any job you do. I explained why both are necessary, and why I generally favor speed over excellence in business – especially when you're testing a new idea. (My "Ready. Fire. Aim." approach.)

But when it comes to my books … well, that's a different story. I struggle with these standards every time I write one, because writing a book is much different from the kind of writing I do for ETR. And writing a non-fiction book is much different from writing a novel.

To finish Automatic Wealth, a non-fiction book of 271 pages, within the nine-month timeframe I was given by my publisher, I had to write 30 pages a month. That meant writing 675 words a day, five days a week.

I can easily complete a 675-word article for ETR – which usually comes right off the top of my head – in about 60 minutes. I just transfer my thoughts and experiences directly to the page. But to achieve the standard of quality I've established for my non-fiction books ("good," but not "great"), I had to sacrifice some speed.

I've established a first-draft standard for myself of writing 500 words in 60 minutes. However, that doesn't include researching, rewriting, and editing. All told, Automatic Wealth represents about 540 hours of work, and increased the time I usually allot to writing from one to three hours a day.

Then, there's my fiction …

Since I would like my fiction writing to be better than "good," I've set a higher standard of excellence for the novel I'm working on. My standard for speed, though, is about the same as it is for non-fiction: 500 first-draft words a day.

Ernest Hemingway, whose fiction I admire, had that same 500-word-per-day speed standard. But he was willing to spend about four hours a day on getting down good sentences. Currently, I have only two hours a day to devote to fiction writing (usually between 6:30 a.m. and 8:30 a.m.). And since I've been sticking with my 500-words-a-day objective because I want to get this novel finished, my standard for excellence has suffered.

To meet my excellence standard, I'd have to decrease my daily word-count goal to about 125 words. Because it's my nature to opt for speed, it will be hard for me to slow down. Yet, I know that if I'm ever to write something even remotely great, I'll have to bite the bullet and decelerate.

Gustave Flaubert, the father of the modern novel, began writing Madame Bovary in September of 1851. He didn't finish it until 1856, almost five years later. Progress was so "excruciatingly slow," according to a critic writing in The New York Times Book Review, "that in one six-week period he produced only 25 pages."

Flaubert "fretted that all he had were sentences, 'a series of well-turned paragraphs that don't flow into one another.'" But what he produced, when Madame Bovary was finally finished, was a brand-new way of writing fiction. Flaubert was so influential that virtually every modern writer today – from the war reporter to the thriller writer to the avant-garde fictionist – owes a major debt to him in terms of how narrative fiction is constructed and how sentences are styled.

Speed vs. excellence. Flaubert struggled with these same standards. In his case, excellence won. But we don't usually have the luxury of spending five years on a project.

As I said on Monday, in doing your work and seeking your goals, you need to establish standards for both speed and excellence. You need enough speed to overcome inertia and move your project to completion. You need enough quality to produce results that will be valued. And you have to continuously set and reset the balance between those standards in order to get the results you are aiming for.

Today's Action Plan

Michael would like to hear from you on this subject. When you get a moment, please write to him, care of FastOrGood@ETRFEEDBACK.COM. Tell him about your goals and the standards you have established to achieve them.

* Highly Recommended *

I Was Introduced To This "Habit" About Three Years Ago..

..and every year since I started my income (and my net worth) have grown. Can you imagine owning an asset that produces a constant and increasing income even as it increases in value? Can you see yourself…

Being the boss of your own destiny

Having full control of your day

Deciding how, when, and where you work

Working on ideas and causes you care about

These are just a few of the ways your life will change once you have an appreciating income machine of your own.

You owe it to yourself to look into this opportunity.

When "Wrinkle-Free" Clothing Is a Bad Thing

By Jon Herring

Manufacturers are now using chemicals found in non-stick Teflon pans (PFCs) to make clothing more durable and wrinkle-free. These are the same chemicals that, the U.S. Environmental Protection Agency (EPA) tells us, release cancer-causing compounds when Teflon is heated – and there is some concern that these carcinogens may be absorbed or inhaled directly when the clothing is worn.

If you are sensitive to chemicals, you may want to avoid anything made of polyester, nylon, or acrylic. And anything labeled static-resistant, wrinkle-resistant, permanent-press, no-iron, or stain-proof. Instead, choose clothing made of natural cotton, linen, wool, silk, and hemp.

(Reference: SixWise)

Feedback Friday: "Geezers" Strike Back!

In his "Superstars Are Superstars" article , Michael Masterson wrote:"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."

Here's how some of our readers responded:

"That's one of the most idiotic, dumb-assed things I've ever read. There are more lazy, self-absorbed, narrow-minded, clueless, well-educated young jerks out there than motivated, experienced, valuable (as you call them) 'geezers.' One of the things that makes 'geezers' grumpy is pompous blow-hards who write crap like that … and believe it.

"And if hiring only 'fresh-from-college superstars' is your 'primary business-building strategy,' who is supposed to train, manage, and motivate those 'guppies' while you're wasting time writing such drivel?

"There are well-educated jerks as well as motivated superstars of all ages, but I'll take experience over most of the nincompoops produced by today's education system any day."

- Richard Solay
New York, NY

"It seems to me that you need to look up two new words to include in your vocabulary. One is 'pontificating' and the other is 'judgmental.'

"Your attitude toward the elderly is arrogant. Your verbal smirking will be taught a sad lesson one day by life. That is, you will wake up one day and realize that success as a person is not a newsletter, real estate, money or 'thinking' that you are superior to others at any age. Success is being a servant, being humble, and 'being a little kinder.'

"This message is probably very funny to your fat ego.

"I'm a middle-aged guy who unfortunately had to spend almost a year in a nursing home with a bad foot. The elderly I met there were warriors of life who went to battle, fought the good fight, and survived. Understandably battle-scarred and some shell-shocked, but alive. Some smiling and warm, and some not.

"I feel that on your best day you could not come up to the standard and privilege of 'shining their shoes' … or brushing their slippers, in this case.

"You're a smart and savvy guy … but I don't think you did very well on the 'wisdom test.'"

- Kevin P.

"This is exactly the attitude that many of us have had to deal with once corporate America has closed their doors with no regards to the effect it will have on the employees that have toiled for them for years. Try and then find another place of employment and, due to your chronological age, the opportunities are not even offered to you.

"Provable … of course not. But ask any of the people in that group who have been trying to get a job again and you'll hear the real stories.

"I, myself, get tired of interviewing for jobs where the staffing people already have a set perspective that 'this age' just won't work!

"Just had to say my piece."

- Jackie Martin
Gaines, MI

(Ed. Note: Where do you stand on the "geezer" issue? Jump into this heated discussion on Speak Out.)

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Word to the Wise: Pontificate

One of the readers who objected to comments Michael Masterson made in his "Superstars Are Superstars" article in Message #1709 said: "It seems to me that you need to look up two new words to include in your vocabulary. One is 'pontificating' and the other is 'judgmental.'

Well … "judgmental," you know. But maybe not "pontificating."

To "pontificate" (pon-TIF-ih-kate) is to express opinions or judgments in a dogmatic way. From the Latin "pontificat" ("to act as an ecclesiastic").

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

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/

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please cut and paste the full URL into the location or
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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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_____

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.

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Diversify Your Way to the Easy Life

Thursday, May 11th, 2006

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

www.earlytorise.com
Thursday, May 11, 2006
Message #1726

WEALTHY:
Cash now … cash monthly … AND cash later (Dave Lindahl)

HEALTHY:
Burn more fat while you exercise

WISE:
Armstrong Williams on real estate

ALSO
IN THIS ISSUE:

The
trouble with blogging (Bob Bly)

How
often do you check e-mail? (Michael
Masterson)

Add
the word "voluptuary" 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 astounding 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

"Now,
one thing I tell everyone is learn about real estate.
Repeat after me: Real estate provides the highest returns,
the greatest values, and the least risk."

-
Armstrong Williams

Diversify
Your Way to the Easy Life

By David Lindahl

With
all the "bubble" talk, it seems the world has become
fixated on the short-term aspects of real estate. Potential
home buyers and investors are starting to sit on the sidelines,
ready to ride out the storm that they fear is about to hit.
I see two problems with that approach.

1.
By sitting on the sidelines, you're taking the stance that
all real estate is overpriced and is going to depreciate
soon. But though a handful of markets are outrageously priced,
most are not. In fact, some are actually undervalued. So
while I agree that this may not be the best time to buy in
Miami or Los Angeles, I firmly believe there are plenty of
attractive markets out there.

2.
Failing to always include real estate in your investments
– including right now – completely ignores two of its most
powerful financial incentives: positive cash flow and long-term appreciation.

In Early
to Rise, we focus on buying property at deep discounts
to market prices. And that's the key to profiting in any
kind of real estate market – bubble or no bubble. The only
question is: What's your strategy? Do you go for immediate
profits? For regular, ongoing profits? Or for maximum long-term
profits?

I
say, why not go for all three?

To
ensure that you're realizing the full potential of your investment
dollars, it basically comes down to three reasons to be in
real estate: Cash Now, Cash Monthly, and Cash Later. And
each of these goals should be playing a role in a properly
diversified real estate portfolio.

Cash
Now

Let's
first take a look at the most tantalizing reason to be in
real estate: large chunks of immediate cash. Quick chunks
of cash come from "flipping" properties, and there
are several ways to do it.

You
can "wholesale" – a technique that doesn't require
cash or credit. Instead, you put a distressed property under
contract, and, before closing on it, you quickly sell it
under market value (but leaving yourself a $5,000 – $30,000
paycheck, depending on the deal) to another investor. That
investor then takes on the financial burden (and reward)
of rehabbing and selling it for full retail price.

You
can also take on your own rehabbing projects. This requires
a good deal more time, effort, and money – and involves more
risk. However, done well, you see the lion's share of the
profits.

Having rehabbed over 450 properties in just seven years,I got
used to those big checks coming in. But unless you put that
money to good use, you aren't truly maximizing your real estate
returns. Because the moment you stop wholesaling or rehabbing,
the checks stop coming.

Cash
Monthly

I
didn't like the idea of the money drying up, so I changed
my strategy. While those big rehab checks were coming in,
I used some of the money for living expenses … and I started
to put the rest of it into buying small apartment
houses.

As
a real estate investor (even in the beginning), you'll run
across apartment houses for sale all the time. If you are
like most investors – especially when you're starting out
– you'll probably just ignore them and continue to search
for the next single-family deal, because that's a market
you're more familiar with. But owning smaller apartment
houses is very much like investing in single-family
houses.

You can get
some Cash Monthly from owning single-family houses long-term
… but not as much and not as fast as you can by owning
smaller apartment houses. And it's a lot riskier to have
all of your money in single-family houses.

What
happens if you lose the tenant in your single-family house?
You lose all of your income. You're going to have to dip
into your savings to pay the mortgage until you get a new
tenant. And that hurts!

But
if you lose a tenant in a three-family house, you've only
lost one-third of your income. The other two apartments will
cover your mortgage until you get another tenant.

I'm
not telling you to stop buying and flipping single-family
houses. That's Cash Now. I'm saying that you can use some
of your Cash Now from single-family flips to buy up some
small apartment houses. And in a short time, you'll have
yourself a substantial, passive
monthly income.

Pretty
soon, you will be building an empire – and that passive monthly
income will give you the freedom to do whatever you want
whenever you want. Think about it this way: If you were only
flipping single-family houses and you took a month off in
the summer, you wouldn't have any income coming in. But with
enough Cash Monthly, you'll be able to take a month off in
the summer … take a two-week ski vacation in the winter
… or whatever else your heart desires.

Cash
Later Takes Care of Itself

Once
you have Cash Now and Cash Monthly, Cash Later takes care
of itself. It comes when you sell, exchange, or refinance
those apartment houses.

You
see, with an apartment house bought at the right price, you
have a long-term appreciating asset. In a sense, the property
appreciates immediately when you buy it under market value
to begin with. Markets also tend to appreciate over the long
term. At the same time, your tenants are paying off your
mortgage. So between the appreciation and the mortgage pay-down,
your equity just gets bigger and bigger!

You
can sell the property and get a boatload of cash. But if
it's creating a lot of Cash Monthly, you're probably going
to want to keep those checks coming in. If that's the case,
you can refinance to get your cash out.

My
recommendation is to take out about 75 percent of your cash,
leaving 25 percent equity in the building. That way, if there
is a downturn in the market, you're protected – and you should
still have a decent positive cash flow. (Did you know that
you do not pay tax on any of the money that you take out
during a refinance?)

Now,
take that money and go buy some more apartment houses and
get some more Cash Monthly. Those apartment houses will start
appreciating and the tenants will begin to pay down your
mortgage for you. You've just increased your net worth, because
you have increasing equity in one or two more buildings instead
of just the building that you started with.

Can
you see how your empire is being created? Can you see how
it can be created in a short time? Holding single-family
houses will make you money. Holding apartment houses will
make you filthy stinking rich! Which do you prefer?

[Ed.
Note: David Lindahl, also known as the "Apartment King" successfully
invests in single-family properties, apartment complexes,
and condo conversions. Learn
more about his techniques for creating passive
income and building equity.]

Can
Blogging Help You Market Your Product Online?

By
Bob Bly

The
theory is that if you are an information marketer – or if
you publish information to establish your expertise in a
niche industry or field – blogging can help raise awareness
about your service/product and drive traffic to your website.
But though I know plenty of online marketers who make millions
of dollars a year, I don't know one who says that the time
and effort spent on a blog has directly put money into his
pockets.

In
my observation, there are two major problems with blogging
as a business-building tool.

The
first is that most of the blogs I encounter are rambling,
stream-of-consciousness musings about a particular topic
of interest to the author, largely bereft of any practical,
pithy tips.

The
second problem is one of distribution. With an e-zine, once
the reader subscribes, he gets the e-zine delivered to him
electronically every week or every month – or however often
you send it. But with a blog, the reader has to go out and
look for it. And since your contributions to your blog may
be irregular and unscheduled, he has no way of knowing when
something of interest has been added.

Blogs are, by virtue of being a form of online diary, more
suited for private thoughts than public consumption. If you
have something of value to share, there are many better formats
for doing it online, including white papers, e-zines, and websites.
But most blogs seem to be the idiosyncratic musings of an individual.
And the result is like porridge: a gloppy mess, tasteless,
and not very satisfying.

Until
that changes, I can't see starting and maintaining a blog
of your own, unless you are bored and looking for something
to do or require an outlet for self-expression. And if the
latter is the case, well … why not just keep a diary?

[Ed.
Note: Bob Bly is the editor of ETR's
Direct Marketing University: The Masters Edition -
a program to help you start your own successful direct-mail
business.]

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Hundreds
of ETR Readers
Demand Details on July 12th Internet
Conference

I
had a feeling this was going to be popular, but I didn't
know it would be THIS popular.

Last
Monday we told you about ETR's upcoming "Five Days in
July" Internet Business-Building Workshop. You'll walk
in with nothing – no product, no marketing skills, no technical
know-how – and you'll walk out with an operating Internet
business… the whole shebang,
from soup to nuts. One couple used the techniques that
will be taught in this Conference to start an online business
just a few years ago. They recently received a million dollar
offer for it… but wouldn't sell because they're having
too much fun!

We also
mentioned on Monday that this event is expected to sell
out quickly, so we wanted to let our most motivated readers
sign up to get to the "head of the announcement list" by
showing your interest. The response was overwhelming.
At one point a new email was landing in my inbox every 60
seconds! (Check out the timestamps on the email log).

"Sounds
like the ultimate entrepreneurial summer vacation. Love to
be a part of it!" said one emailer.

"This
seems like just what I need." wrote another.

And
yet another reflected many of the comments when she simply
wrote "I want an online business in 5 days. Please sign
me up!"

Well
we can't quite sign you up yet, as ETR Conference Director
Denise Ford is still working out the final details on
this unprecedented event. But I urge you to block
out these dates on your calendar right now: Wednesday
July 12 to Sunday July 16.

This
is probably your last chance to get on the "Hot
List" for being amongst the first to get the
details on this event, which we expect to sell out.

If
you are interested just let us know here.

-
Patrick Coffey

Fat
Burning and Fish Oil

By
Jon Herring

I've
been urging you to add omega-3 fats to your diet for many
reasons. You already know that they boost brainpower and
help prevent heart disease. Now there's evidence that fish
oil – one of the best sources of omega-3s – also helps you
burn more fat.

Results
of a University of Missouri study, published in the University's Journal
of Exercise Physiology, show that taking fish oil before
each meal significantly increases fat burning during exercise
– and leads to greater weight loss.

So,
how much fish oil does the trick? Study participants took
eight fish oil capsules throughout the day – two with breakfast,
three with lunch and dinner. Each capsule had 300 mg of EPA
and 200 mg of DHA, the active fatty acids in fish oil. If
you use Carlson's fish oil, the brand I recommend, you can
get the same benefit by taking three teaspoons per day.

ETR
Insider Report: My Changing Perspective on Checking E-mail

By
Michael Masterson

Charlie
Byrne (ETR's Editorial Director) was reading Monica Day's
new e-zine, The
Copy Protege, when he came across a claim that
didn't sound right: "Michael Masterson has written about
resisting e-mail temptation over and over again … and I
know he's right. I should NOT check it first thing in the
morning."

So
Charlie responded with: "Actually, I believe Michael
says that you SHOULD check your e-mail in the morning. That
you should scan through your inbox, pick out anything that
is going to require immediate action, and add it to your
to-do list for the day."

Which
one is right? Charlie or Monica? Well, they both are …
because I've said both things.

When I became aware of how inefficient it is to be constantly
responding to e-mail, I knew I had to do something about it.
My first effort – the one I originally wrote about in ETR (and
the one Charlie remembers) – was to limit myself to checking
e-mail three times a day: once (quickly) in the morning …
once after completing my "top priority" task of the
day (which is always writing) … and then once again in the
late afternoon.

I eliminated that "quick" look in the morning, because
I found that it could take as long as an hour. I also found
that much of the time I was spending was unnecessary. Others
copied on many of those e-mails could handle the situation
perfectly well without my involvement.

The worst thing about opening e-mail first thing in the morning,
though, was that it frequently put me in the wrong mood to
tackle my writing. Often, I skipped the writing entirely, because
I couldn't get myself into the right frame of mind after dealing
with that first onslaught of problems.

So, for about a year, I dropped down to two e-mail sessions
a day: one after I finished my first bout of writing (which
was usually about 8:30) and the second later in the afternoon.

This was better. But one day, I decided not to go to e-mail
after that first bout of writing. I decided to use the good
energy I had created to start working on my next book. The
result was very good. I plowed right into writing Automatic
Wealth for Grads … and Anyone Else Starting Out.
(This technique – going from one type of writing to another
– is something Bob Bly recommended to me years ago.)

Because of that experience, I decided that I'd be better off
not opening my e-mail at all until the afternoon. I figured
that if anything came up in the interim that was so important
it couldn't wait until the following afternoon, the person
who had the urgency could phone me.

So I started doing my e-mail only once a day … and it has
been working out very well.

The
best time for me is at the end of the day, after I've finished
every important (i.e., highlighted) task on my to-do list.
This not only gives me more positive energy throughout the
day, I also find that by the time I look at e-mail, many
of the "problems" I would have gotten involved
in have already been solved. Plus, it has made it easier
for me to put together an agenda for the following day -
the last bit of work I do before going home.

Today's
Action Plan

When
it comes to dealing with e-mail, no one schedule is best
for everyone – so long as you really do have a schedule and
don't randomly check your inbox throughout the day. Through
trial and error, Michael Masterson came up with a system
that works for him. If your system isn't working for you
… maybe you'd better go through a few more "trials."

*
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Word
to the Wise: Voluptuary

A "voluptuary" (vuh-LUP-choo-er-ee)
is a person whose life is devoted to luxury and sensual pleasures.
The word is derived from the Latin "voluptas" ("pleasure").

Example
(as used by Diane Ackerman, writing in The New York Times): "Colette
used to begin her day's writing by first picking fleas from
her cat, and it's not hard to imagine how the methodical
stroking and probing into fur might have focused such a voluptuary's mind."

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/"
target="_blank">http://speakoutforum.com/forum/

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

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OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR, LLC.ALL
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NOTE: If
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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
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in this letter should be made only after consulting
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Will You Have to Pay Taxes on Your Inheritance?

Wednesday, May 10th, 2006

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

www.earlytorise.com
Wednesday,
May 10, 2006
Message #1725

WEALTHY: Sharing the (inherited) wealth with Uncle Sam

HEALTHY: 6 ways to prevent Alzheimer's, arthritis … and more

WISE: Goethe on the relationship between thinking and acting

ALSO IN THIS ISSUE:

Can you “think” your way into success? (Robert Ringer)

I'll take one o' them Katrina cottages (Michael Masterson)

Add the word “risible” to your vocabulary

* Highly Recommended *

Three Breathtaking Buying Opportunities That Won't Last Long

I had the usual dozen documents waiting for me this morning in my inbox. On the very bottom was something called “The 1,000% Report.”

Andrew Gordon had told me to expect it. But I had completely forgotten. He told me to read it if I wanted to learn about three amazing stock buys.

Now Andrew is our financial guru and he's been recommending stocks for us for over a year with a 92% winning record. And he's identified a number of huge winners in that time. But he always talks about these companies in measured tones. So his suggestion stuck in my mind. I picked up the 18-page report and read it right away.

Now, before I say what I thought about it, I have to tell you that I've read hundreds of company reports before. I've become somewhat of an expert in recognizing exaggeration or just plain BS when it comes to the claims that so-called experts make on behalf of the companies they're recommending.

Andrew really did it this time though.

The first company had quite an interesting offer being made by the CEO with a very short timeline. No time to waste in investing in that company.

The second company was sitting on technology that was so advanced I wondered if we were ready for it. By the end of the chapter, I understood that Andrew was indeed talking about the future but also that the future was right around the corner. A technology that nobody else has with a dozen killer applications – that's the kind of company that can give you once-in-a-lifetime returns on your investment.

I'm ashamed to say that I believed the press about the third company. And the press hasn't been kind. I've completely changed my mind about this company now. Partly because of the bad publicity, it's selling at an all-time low. Yet, its prospects have never been brighter. Andrew says that this well-known company is about to turn the corner. If you want to take advantage of its low price, now is the time to buy before it does.

Three companies… three breathtaking buying opportunities… happening right now. Andrew's struck pay dirt again. If you're interested in these companies, here's how you can learn much more about them.

Yours sincerely,
Will Bonner

Will You Have to Pay Taxes on Your Inheritance?

By Andrew Gordon

You just found out that a dearly departed relative has left you a pile of money. Does that force you into a higher tax bracket?

Not to worry. In general, the inheritance isn't counted as income to the heir. The estate of the deceased pays any applicable taxes.

If your inheritance is in a Roth IRA – again, taxes are not your problem. Taxes on Roth IRAs are paid when contributions are made, not when money is withdrawn. But watch out if your inheritance is in the form of a 401(k) or traditional IRA. Money in those plans is tax deferred until withdrawn by the owner. So, as the beneficiary, you will have to pay income taxes on any amounts that you withdraw … which could kick you into a higher bracket.

Today's Action Plan

We are in a strange window right now because of a law passed several years ago that tried to reduce and eliminate the estate tax. As a result of that law, from 2006 to 2008, the first $2 million of an estate can be passed to the heir without any estate taxes being paid by the estate of the deceased. Above the $2 million level, heavy federal and state estate taxes await you. If you want to play with a few scenarios to determine various estate tax estimates, go here.

“Thinking is easy, acting is difficult, and to put one's thoughts into action is the most difficult thing in the world.”

- Johann Wolfgang von Goethe

Thoughts Have Consequences

By Robert Ringer

Because I have extolled the virtues of action for so long, I have often been asked if thinking can be considered to be a form of action. The short answer is “yes.” To employ Aristotelian logic, since thoughts have consequences, we can reasonably conclude that thoughts are actions.

But the whole notion of thinking as a form of action puts us on that proverbial slippery slope. Like physical action, not all thought action is constructive. For example, pointless daydreaming (akin to a trance), dispersed attention (where your mind resembles a pinball machine), and “group thinking” (a way of life in meeting-addicted corporate America ) are three kinds of thinking that are unlikely to add value to your life.

Since thoughts are actions, and actions have consequences, you become a product of your thoughts. Which is why it's so important to be careful about the company you keep.

If you allow yourself to be in the presence of negative people too often, it's virtually an impossibility to think positive thoughts. And since most of the people roaming our planet tend to be negative, it takes a great deal of vigilance to keep them at bay.

It's also important to recognize that just as all physical action is not necessarily constructive, neither is all thought action. Hateful thoughts bring about hateful consequences. Negative thoughts bring about negative consequences. And so on.

With all of the above in mind, let's take a look at four of the more important kinds of thinking:

1. Immediate-Solution Thinking

This is the most common type of thinking – and the most dangerous. When you have a problem you need resolved – which means pretty much every day in a normal person's life – it's quite natural to think a lot about problem solving.

This kind of thinking, however, can bury you alive if you allow it to guide you rather than the other way around. I find that the more I pressure-cook my perceived problems, the less likely I am to solve them.

I use the adjective perceived , because, in truth, there really is no such thing as a problem. “Problem” is just a word we use to describe a fact or set of facts. And it's a word that carries with it a negative connotation.

I would therefore suggest that you stop thinking of every obstacle you encounter as a problem. Instead, posit it as a fact that you simply need to find a way to deal with. And by far the best way to deal with an unpleasant fact – and I'm speaking here from extensive firsthand experience – is to turn it over to your subconscious mind with instructions to resolve it in a positive manner.

The power of the subconscious mind is still a great mystery to the scientific world. But the one thing that is pretty well accepted by experts in all fields related to the study of the subconscious mind is that it tends to produce that which the conscious mind requires of it.

2. Opportunity Thinking

Once you've offloaded your perceived problems to your subconscious mind, your conscious mind is free to focus on opportunities. Opportunities provide the means to move forward with your life. It's good to be a problem solver, but problem-solving is analogous to treading water.

It's instructive to concentrate daily on how much time you spend thinking about problems and how much time you spend thinking about opportunities. If you keep your ratio at 10:1 or better in favor of opportunity thinking, you are virtually guaranteed to succeed at just about anything you try.

The ultimate triumph of opportunity thinking is when you become adept at dissecting your perceived problems and discover hidden opportunities in them. This is a true art form, a skill that is all too absent in most of the human race.

3. Free-Flow Thinking

Free-flow thinking is not the same as daydreaming, which can be likened to being adrift at sea. I've found that allowing my mind to “float” can be very productive, so long as I keep it within the general framework of where I am in life, where I want to go, and how I can best get there.

I'm talking about questions such as: What do I enjoy? What am I good at? What do I want out of life? What's the price? Am I willing to pay it?

These are questions that require ongoing maintenance if you want to avoid becoming locked into a way of life that is neither profitable nor fulfilling. Monitoring the answers to these questions is a great preventative to homeostasis (the tendency to live with existing conditions and avoid change). And the more things change, the more often you should revisit the questions.

4. Thinking About the “Unknowables”

Pondering the unknowables is the equivalent of health food for the brain. We get so bogged down in our secular problems that it drives some of us to drink, others to take drugs, and still others to make the decision to end it all. My conclusion is that such stewing and fretting over day-to-day “problems” stems from a false sense of self-importance.

That's why it's healthy to periodically step back and think about the larger issues of life – questions such as:

Where did we come from?
Where are we going?
What is our purpose?
If we evolved from inanimate matter, what caused it to happen?
Do we really have free will, or is everything in our lives predestined?
Who or what created the universe, or did it create itself?
What existed before the universe?
How can science explain infinity … time … space?

One last note on the subject of thinking as a form of action: In the name of efficiency, you should develop a means to capture your thoughts, record and catalog them, and access them quickly. This is one of the best-kept secrets of being a good writer.

The first and simplest step in this process is to make sure that you are within reach of a pad and pencil at all times. Don't count on remembering a great thought, because you probably won't. At last count, I have forever lost track of 6,822 of my best ideas – ideas that I was certain I would remember.

Also, don't be a lazy note-taker. Date your notes (date everything!) and make them more detailed rather than less.

If you're an action-oriented person, make it a point to consciously use thinking as a regular and constructive form of action. Your first priority should be opportunity thinking; second, free-flow thinking; third, thinking about the unknowables.

Spend as little time as possible thinking about “problems,” because problems tend to evaporate when you spend a lot of time on the other three categories – especially opportunity thinking.

Always remember: Thinking is action, and actions have consequences.

A last word of caution: Don't make the mistake of allowing thinking action to become a replacement for physical action. Notwithstanding anything else I have said in this article, the fact remains that there is nothing on this earth as powerful as consistent, bold, physical action.

* Highly Recommended *

Give Yourself a Nice Pay Raise – And A Three Day Weekend, Every Weekend

By the end of this week, you can give yourself a pay raise. How does an extra $20/hr sound… and schedule a few days vacation while you're at it!

After a month or two, how about another raise… to $2,000 a week.

It's happening everywhere. Ordinary people — including folks who never finished school — starting their own businesses… and making side incomes in the neighborhood of $40,000… $60,000… even $100,000 or more a year.

They're living the American Dream. Now it's time for you to start living it too. Read on…

Prevent Degenerative Disease … and Lose Weight at the Same Time

By Jon Herring

Alzheimer's, arthritis, heart disease, diabetes … the key to avoiding just about every degenerative disease is to reduce levels of inflammation in your body. And here are the best ways to do it. (As an added benefit, doing these same things can also help you lose weight.)

Avoid processed foods full of sugar and trans-fats.
Reduce your alcohol intake.
Eat plenty of fruits and vegetables.
Drink green tea.
Eat wild Alaskan salmon several times per week and/or supplement with fish oil.

And, very important …

Exercise – outside, if possible. (Moderate sun exposure has been shown to be extremely effective at reducing inflammation.)

In a recent 12-week study of the positive effects of good old exercise on inflammation, Austrian researchers suggested that this could explain part of the reason that exercise lowers the risk of developing heart problems. Diabetic patients, in particular, responded extremely well to an increase in exercise during the course of the study.

Notes From Michael Masterson's Journal: Life After Hurricane Katrina

For about $47,000, you can now buy a nice little two bedroom, one bath cottage that withstands hurricane-force winds and floods. And if mud and gunk gets inside, you can hose it out – no mold. That's the brainchild of Steve Oubre and a group of architects who got together to design a house to replace some of the 250,000 homes that were destroyed by last year's storms.

The house, with a floor plan that can vary in size from 170 to 1,700 square feet, will be available in kit form from retailers such as Home Depot and Lowe's. Some designs are already available from the New Urban Guild and Cusato Cottages

I saw one floor plan that looked very livable – 470 square feet on the first floor plus a 300-square-foot loft. And the truth is, you don't need a huge house to live comfortably. If you can get rid of most of the furniture, knickknacks, and other junk you never use, 700 square feet is plenty for two or three people.

The New Urban Guild showed 16 Katrina Cottage designs at a housing show earlier this month. The interest is strong.

This is just another example of the old Chinese idea that every problem is an inside-out opportunity for profit and/or progress.

* Advertisement *

A New Male Health Discovery Never Before Published In Any Medical Journal Or Health Book

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Simply it's the end of your masculinity and virility.

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Al Sears M.D. delivers the clearest, most straightforward explanation you'll ever read about what causes impotence and waning sexual desire. And he'll share with you the powerful and stimulating near-cure-all solutions.

Don't miss this opportunity to boost your sexual potency and staying power … your upper and lower body muscular strength and your assertiveness and confidence, everywhere from the boardroom to the bedroom.

Word to the Wise: Risible

Something that is “risible” (RIZ-uh-bul) is either related to laughter or used in eliciting laughter. The word is derived from the Latin “ridere” (”to laugh”).

Example (as used by Tony Horwitz in Confederates in the Attic): “Before long, I began to read aloud with my father, chanting the strange and wondrous rivers – Shenandoah, Rappahannock, Chickahominy – and wrapping my tongue around the risible names of rebel generals: Braxton Bragg, Jubal Early, John Sappington Marmaduke, William 'Extra Billy' Smith, Pierre Gustave Toutant Beauregard.”

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/"
target=_blank>http://speakoutforum.com/forum/

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

If you'd like to suggest Early To Rise to a friend,
please point them to: href="http://www.earlytorise.com/SuccessPartnership.htm"
target=_blank>http://www.earlytorise.com/SuccessPartnership.htm

To BECOME AN EARLY TO RISE MEMBER, please visit: href="http://www.earlytorise.com/"
target=_blank>http://www.earlytorise.com/

or email
target=_blank>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
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you don't like, ask for a refund. (All products sold here
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Where's My Tax Cut?

Tuesday, May 9th, 2006

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

www.earlytorise.com
Tuesday,
May 9, 2006
Message #1724

WEALTHY: 10 men and a restaurant bill (Alex Molina)

HEALTHY: The reason I eat the way I do (Michael Masterson)

WISE: Chris Rock on paying taxes

ALSO IN THIS ISSUE:

Double-duty for your nametag (Ilise Benun)

Why women really wear makeup (Jon Herring)

Add the word "irrupt" to your vocabulary

* 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

"You don't pay taxes – they take taxes."

- Chris Rock

Hey, Mr. Congressman … Where's My Tax Cut?

By Alex Molina

Every once in a while, I find myself pondering the complicated subject of taxation and the economy. Social Security, the deficit, Iraq, oil … somehow, it's all supposed to make sense. Instead, I get so overwhelmed by all the numbers that I usually just throw my hands up in frustration and forget about it.

Then I came across this little story by David R. Kamerschen, Ph.D., Professor of Economics at the University of Georgia – and it became crystal clear. It's like one of those fables you may have heard when you were a child. The ones that make even the most complex ideas seem very simple.

This story may not leave you with the warm, fuzzy feeling the three little pigs did – but go ahead and read it. See what you think …

Suppose that, every day, 10 men go out for dinner and the total bill comes to $100. Suppose, too, that they decide to pay the bill the way we pay our taxes. This is what happens:

The first four men (the poorest) pay nothing.

The fifth pays $1.

The sixth pays $3.

The seventh pays $7.

The eighth pays $12.

The ninth pays $18.

The tenth man (the richest) pays $59.

The 10 men are happy with the arrangement. But then, one day, the owner of the restaurant throws them a curve. "Since you are all such good customers," he says, "I'm going to reduce the cost of your daily meal by $20." Dinner for the 10 now costs just $80.

The group still wants to pay their bill the way we pay our taxes, so the first four men are unaffected. They still eat for free. But what about the other six men – the paying customers? How do they divide the $20 windfall so that everyone gets his "fair share"?

They realize that $20 divided by six is $3.33. But if they subtract that amount from everybody's share, the fifth and sixth men would end up being paid to eat their meals.

So the restaurant owner suggests that it would be fair to reduce each man's bill by roughly the same amount – and he proceeds to work out how much each one should pay.

And so:

The fifth man, like the first four, now pays nothing (a 100% savings).

The sixth now pays $2 instead of $3 (a 33% savings).

The seventh now pays $5 instead of $7 (a 28% savings).

The eighth now pays $9 instead of $12 (a 25% savings).

The ninth now pays $14 instead of $18 (a 22% savings).

The tenth now pays $49 instead of $59 (a 16% savings).

All six of these men are now better off than they were before. And the other four continue to eat for free. But once outside the restaurant, the men began to compare their savings.

"I only got a dollar out of the $20," declares the sixth man. He points to the tenth man, "But he got $10!"

"Yeah, that's right," exclaims the fifth man. "I only saved a dollar too. It's unfair that he got 10 times more than me. "

"That's true!" shouts the seventh man. "Why should he get $10 back when I get only $2? The wealthy get all the breaks!"

"Wait a minute!" the first four men yell in unison. "We didn't get anything at all. This system exploits the poor!"

The nine men surround the tenth and beat him up.

The next night, the tenth man doesn't show up for dinner, so the nine sit down and eat without him. But when it comes time to pay the bill, they make a disturbing discovery. They don't have enough money between all of them to cover even half of the bill.

And that, boys and girls, journalists and college professors, is how our tax system works. The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy, and they just may stop showing up. In fact, they might start eating overseas, where the atmosphere is somewhat friendlier.

(Ed. Note: Alex Molina is president of A&M Financial Service Group Inc., a client-oriented brokerage specializing in strategies for income, real estate, taxes, and retirement. He can be reached by e-mail at ajmolina@bellsouth.net.)

The Elements of a Healthy Diet

By Michael Masterson

According to government guidelines, the average 180-pound man should consume about 2,160 calories daily, comprised of about:

125 to 160 grams of protein
less than 60 grams of fat
less than 2,400 milligrams of sodium
250 to 270 grams of carbohydrates

My health coach, Dr. Al Sears, recommends more protein and fewer carbs. For me, for example, he recommends at least 180 grams of protein and keeping my carbohydrates to about 50 percent of my daily calories (which would equate to less than the government's guidelines).

Because carbs are the body's main fuel source, Dr. Sears says that the amount you need depends on how many calories you burn. He tells me he's seen athletes consume 5,000 calories a day and maintain 5 percent body fat because they burn off so many calories with their training.

The essential difference between the government's recommendations and Dr. Sears' is that he places more confidence in our prototypical norms than on current theories of nutrition.

"We are well-adapted to live on foods routinely available in our native environment," Dr. Sears explains. "When we examine this diet, we find it to be higher in protein and fat and lower in carbs than our current modern diet.

"For instance, we Americans get about 35 percent of our calories from fat, while surviving native hunter-gatherers average closer to 40 percent of their calories from fat. They also eat relatively more protein, at about 30 percent of calories versus our 16 percent.

"The thing we changed the most in the modern world? We dramatically increased our carbohydrate consumption from 31 percent to 49 percent of total intake. The sad fact is that following our government's recommendation would worsen this most important deviation from our native diet. My theory is that this would further fuel the largest epidemic in human history – the current epidemic of obesity."

Bottom line: To keep your weight down and your body healthy, eat "good" fats and lean protein, and decrease the amount of carbohydrates in your diet.

Selling Hopes and Dreams

By Jon Herring

As Michael Masterson has said many times, "People don't buy a product. They buy what that product can do for them." I was reminded of this when I read the following quote by Charles Revson, the founder of cosmetics giant, Revlon. He said: "In the factory, we make cosmetics. In the drugstore, we sell hope."

I used this example recently in a conversation with a friend. I was explaining why a company that sells the benefits of its products (in this case, hope) will always be more successful than one that sells features.

"Why do you wear makeup?" I asked.

"So I can look pretty," she replied.

"And why do you want to look pretty?"

"So I'll feel good about myself."

She thought for a moment and added, "I see what you mean, Jon. I don't buy a particular brand of cosmetics because it 'goes on smooth' or 'lasts all day.' Those are features. I buy it because of a benefit that's implied in the way it's advertised – the hope that it will make me look pretty and feel good about myself … and maybe even attract Mr. Right."

Take a look at the way you're marketing your product. Are you selling its benefits? And are you clearly communicating those benefits to your potential customers? If not, you're not selling nearly as much as you should.

* Highly Recommended *

“I made $46,000 in 45 days using the techniques I learned from Ted Thomas… I averaged $15,000 plus on each of my first 3 deals.”

- Sheila Meadows

Ted Thomas has 20 years of experience investing in foreclosures, and he's made a very generous offer to let ETR readers attend his next workshop for FREE. To learn more, click here now.

Worth Quoting: Michael Masterson on determining your future …

"Somewhere inside you, a fire is burning. It is your core desire – your deepest, truest idea about what you'd like to do … the person you'd like to become.

"If you can vent that fire, it will give you all the energy, imagination, and boldness you need to make your life full and rich and satisfying. If you ignore that fire, it will consume everything that is potentially great and good about you. It will burn out your secret hopes, desires, and passions, one at a time, and leave you – as an older person reflecting back on your life – with a cold, charred core.

"By getting up early each morning and making those early hours – as well as the rest of your day – more productive, you can make your life into exactly what it should be. What it should be, of course, is different for every person. Only by digging down deep and finding out what really motivates you – by identifying your core desire – can you find the fire that will fuel your future."

(Ed. Note: How do you find "the fire that will fuel your future"? That's just one of many things you'll discover about yourself by reading Michael Masterson's new book, Automatic Wealth for Grads … and Anyone Else Just Starting Out )

Today's Action Plan

If you've already read Automatic Wealth for Grads … and Anyone Else Just Starting Out , let Michael know how it's helped you. What's the single most useful piece of advice you discovered in the book? And how have you used it in your pursuit of wealth and success? Let him know at MostPowerfulSecret@ETRFeedback.com … and maybe you'll see your name in print in a future issue of ETR.

Quick Networking Tip

By Ilise Benun

When you go to a networking event or conference, put your Web address on your nametag, along with your name. It will be a conversation starter … and plant a little seed giving the people you meet the idea to visit your website.

(Ed Note: Check out Ilise's new course, "Effective Networking: The Fastest Way to Win Clients and Grow Your Business")

* Advertisement
*

Ready To Finally Write Your Novel…
And Get It Published?

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advances, royalty checks, maybe even sign a six-figure contract…even if you've never written a word in your life!

Word to the Wise: Irrupt

To "irrupt" (ih-RUPT) is to forcibly or suddenly intrude. The word is from the Latin "rumpere" ("to break").

Example (as used by Nikolai Gogol in Dead Souls): "What sounds are these that sting as they caress, that irrupt into my soul and twine about my heart?"

Have a
Question for Michael Masterson?

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action should be taken based solely on the contents of this
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What's Next for the Gold Market?

Monday, May 8th, 2006

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

www.earlytorise.com
Monday, May 8, 2006
Message #1723

WEALTHY: Is
this a good time to buy gold?

HEALTHY:
Snacks that help you lose weight

WISE:
George P. Baker on setting standards

ALSO
IN THIS ISSUE:

Faster
… or better? (Michael
Masterson)

Boomers
and the second-home boom (Kam Weiler)

Add
the word "conterminous" 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

What's
Next for the Gold Market?

By
Andrew Gordon

On Friday,
I told you that gold is a good purchase against the declining
dollar. Gold is still in a bull market. And with each passing
day, the case for gold gets stronger:

China
has nearly doubled its gold reserves and will likely
continue to increase those reserves.
Hostility
between Iran and the U.S. continues to grow.
The
U.S. dollar rally of the past year is running out of
steam.

Gold
typically reaches its lows during the summer months. Last
year, however, gold reached its bottom during May and then
proceeded to skyrocket. Right now, it looks like the gold
market is forming a bottom and will most likely reach its
nadir when no one is paying attention.

If
gold declines to, say, $530 an ounce, that would provide
an ideal opportunity for investors to get into the market.

If
you want to take a small, long-term position in the gold
market, you can do it now. But if you want to take a larger
position in gold, your best bet is to wait until late July
or early August before aggressively investing. That way,
you'll maximize your chances of getting in at a really good
price.

(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.)

"Out
of the past come the standards for judging the present."

-
George P. Baker

Setting
Standards: Speed vs. Excellence, Part 1

By
Michael Masterson

After
graduating from high school, two friends and I started a
business installing aboveground pools. After a shaky start,
the business took off. To finish the nine or 10 jobs that
we were selling per day, we each headed up a crew of workers.
This created an unavoidable and unspoken competition among
us – in two arenas:

1.
Who could build more pools?

2.
Who could build better pools?

Each
of us – Peter, Eric, and I – wanted to win both ribbons every
day. But because of our differing personalities, ambitions,
and work habits, our crews' pace and attention to detail
produced different results. By the end of that first summer,
our crews had established themselves this way:

Peter's
built the best pools.

Mine
built them fastest.

And
Eric's was somewhere in the middle.

In
the nearly 40 years that have elapsed since that summer,
I have started or helped start dozens of businesses, big
and small. At one time or another during the growth of each
of those businesses, I've had to make decisions about product
development and marketing that pitted speed against excellence.
And every time I've been in that situation, I've thought
back to that pool business and what I learned from working
with Peter and Eric.

When
you create something – a business, a book, a wedding, or
a craft project – you have to make countless decisions that
involve speed and excellence. By opting for speed, you create
action – and action gives you the momentum you need to get
your goal accomplished. By opting for excellence, you can
create something that is better than what everyone else is
creating … and, in business, that can put you ahead of
your competition.

Longtime
readers of ETR will not be surprised to hear that, particularly
in business, I favor speed over excellence – at least, in
the beginning. Ready. Fire. Aim. That's my motto. Figure
out – quickly – if the idea is worth testing. (Ready.) Test
it. (Fire.) If it works but only marginally, kill it or fix
it. (Aim.) Then move on to the next thing.

If
you don't get things going quickly and keep them going, you
will find that progress on the business you are starting
(or the trip you are planning … or the poem you are writing
… or the garden you are planting) will slow and eventually
stall. But if all you care about is speed, your business
will eventually face another terminal danger. If the quality
of your product and/or service starts out as "okay" and
doesn't get better, you will have a very hard time "selling" it
to the world. They will recognize (even if you don't) the
mediocrity you have created and will look elsewhere for something
similar but better.

The
pool-building business that Peter, Eric, and I created that
year was just as much about excellence as it was about speed.
We eventually developed techniques (clever ways of doing
routine things) that more than doubled the speed at which
we worked – and, thus, our daily profits. We used some of
the extra cash and time that we created to buy more equipment
and develop more techniques to make our pools better than
anyone else's.

If
we hadn't been willing to favor speed over excellence in
the beginning, we could never have kept up with our workload.
If we'd gotten too far behind on our schedule, we would have
lost our business. And if we hadn't been dedicated to improving
the quality of everything we did – from the way we answered
the phone to the way we cleaned up after every job – we wouldn't
have developed the reputation that allowed the business to
be successful for so many years.

What
I'm saying is that our business eventually operated on two
sets of standards – one based on speed and one based on excellence.
Although Peter tended to be more hands-on and spent more
time checking details, his crew still worked fast – fast
enough to keep them "in the contest." And although
I rushed my crew from one job to another, we never failed
to follow all the proper protocols to make sure every pool
was well built and free of problems.

As
I said, you should apply these same standards to just about
anything worthwhile that you create, not just a business.
In my next article, I'll explain how I apply speed and excellence
to my writing.

Today's
Action Plan

To
achieve any goal, you need to establish standards for speed
and excellence. You need enough speed to overcome inertia
and move your project to completion. And you need enough
quality to produce results that will be valued.

Are
these the standards that you measure your work against? Does
a different set of standards work better for you? Write to
Michael at FastOrGood@ETRFEEDBACK.COM with
your thoughts.

*
Highly Recommended *

How
Do Investors Like Warren Buffett Beat the "Efficient" Market?

Are
you familiar with the efficient market hypothesis? It states
that the markets are so "efficient" that every
piece of relevant information about a company is already
factored into the stock price. In other words, there are
no "bargains" in the market.

It's
fair to say that master investors Warren Buffett, John Templeton,
Marty Whitman, Bill Miller and others don't buy into this
theory. After all these guys have made careers (not to mention
billions) buying stocks that the market has overlooked.

The
reality is that the market IS very efficient. MOST companies
are accurately priced. But there are SOME companies whose
price does not reflect their true value. And sometimes these
companies are undervalued to the tune of hundreds of millions…
even billions of dollars.

There
are a variety of circumstances that could cause this to happen.
One is when a company falls out of favor…particularly when
that company faces hardship. Investors can become so pessimistic
for so long that, eventually, the price becomes dislocated
from the company's value. When you find these companies,
you stand to make a lot of money.

Well,
I have found three companies that fit this scenario to a
tee. All three have fallen from their highs and are deeply
discounted, offering investors like yourself a wide margin
of safety and the opportunity to multiply your money many
times over. I recently published a report on all three companies,
and I highly recommend you check it out. Here's
where you can learn more .

-
Andrew Gordon

Reader
Feedback: "I am in my late 50s and I face the outplacement
option."

"I
am in my late 50s and I face the outplacement option. This
happened to me once before and now I am faced with it again.
But this time, I am sure I will be faced with the 'happy
decision' of leaving my current employment for 100 percent
dedication to my own business.

"I
have been exposed to businesses previously, but not my
own. I needed direction, assistance, and hand-holding.
I received your Direct
Marketing Masters program and it gave me what
I needed, not to mention additional inspiration to move
forward.

"The
program was instrumental in getting me started and creating revenue
streams. I had previously tried to create demand -
that didn't work. The shift in mindset I got from the program
allowed me to take a different and more profitable route.

"My
side business income started at $200 per month but now
has moved to $2,500 per month.

"Thanks
for the impact that you have had on both my macro and micro
views of my business opportunities. And thank you
for the Direct
Marketing Masters program."

Steve
Fikes, North
Little Rock , AR

Energy-Dense
vs. Nutrient-Dense Foods

By
Jon Herring

Most
snack foods pack hundreds of calories into very small portions.
Potato chips, carbonated drinks, and candy bars are all examples
of "energy-dense" foods. And while they are convenient,
they provide excess calories in a small volume of food that
will not satiate hunger. That's part of the reason they can
lead to weight gain.

Instead
of snacking on energy-dense foods, add low-calorie foods
that can be eaten in high volume to fuel your fat-loss nutrition
plan. These "nutrient-dense" foods include most
soups, fiber-rich vegetables, and lean sources of protein.

Researchers
at Penn State University tested the ability of nutrient-dense
foods to help weight loss. The study followed 200 men and
women for a year. All subjects were instructed to follow
a calorie-restricted diet. One group had two servings of
nutrient-dense soup every day. Another group ate an equivalent
number of calories in energy-dense snack foods. While both
groups lost weight, the subjects who ate the soup lost twice
as much. Why? Because their appetites were satisfied and
that made them less inclined to "cheat" on the
diet.

It
should go without saying … if you want to lose weight,
focus on nutrient-dense, low-calorie foods such as fruits,
vegetables, lean sources of protein, and calorie-free beverages
(like water and green tea). These foods will fill you up,
but they won't make you fat.

It's
Good to Know: Why Boomers Will Drive the Next Real Estate
Bull Markets

By
Kam Weiler

The
majority of second-home purchasers are baby boomers – and,
according to HMDA (Home Mortgage Disclosure Act) data, the
number of second-home loans more than doubled between 2000
and 2004.

Baby
boomers will continue to drive the housing market – particularly
the second-home segment – for the next decade. The most popular
spots for them to buy their vacation, future retirement,
or investment properties have already seen astronomical gains.
So if you can pinpoint the next boomer hotspots, you stand
to make a ton of money.

To
recognize the next great real estate bull markets, keep your
eye on areas with these five key characteristics:

1.
Properties are priced reasonably relative to household incomes
and rental values.

2.
They tend to be in temperate or warm climates.

3.
They are often rated high on national quality-of-life surveys.

4.
They are often home to a major university.

5.
They're experiencing above-average population and job growth.

(Source:
National Association of Realtors)

(Ed.
Note: Kam Weiler , contributing editor for Main
Street Millionaire, ETR 's real estate investment
success program, is a real estate investor and licensed
real estate agent in Austin , Texas.

You
can discover more about the next trend in boomer real estate
investments in The
Secret Sunbelt Cities, Main Street Millionaire's
special investment report on the best value markets in the
nation … with a comparison of over 100 major markets on
key value and growth ratios.)

*
Advertisement *

Secure
Your Future…TODAY

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: Conterminous

Things
that are "conterminous" (kun-TUR-muh-nus)
have the same scope, range of meaning, or duration. The word
is derived from the Latin for "boundary."

Example
(as used by David Nasaw, writing in The New York Times ): "The
collapse of the swing phenomenon was conterminous with the
emergence of bebop."

Have
a Question for Michael Masterson?

or send
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target="_blank">Support@EarlyToRise.Com

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How do I go about attracting that initial seed capital?

Saturday, May 6th, 2006

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

www.earlytorise.com
Saturday, May 6, 2006
Message #1722

WEALTHY:
The wrong way to start a business ( Michael
Masterson )

HEALTHY:
To lower your triglycerides … go "fish"

WISE:
Bo Bennett on the art of salesmanship

ALSO
IN THIS ISSUE:

Sales
letters that work (Paul Hollingshead)

Land
at 11 cents a square foot? (David Cross)

Add
the word "arable" to your vocabulary

* Highly Recommended *

You
Have 'em Cornered. Now's the Chance to Get Some Answers!

If
you want to increase your chances of writing a compelling
book and getting it published, you need to do two things:

(1)
get insider information and (2) ask questions.

But
the book world can be pretty tight-lipped. There are all
sort of industry secrets that are practically impossible
to pry from the mouths of editors, publishers, agents –
even other writers!

So
we've gathered industry experts together to give you the
chance to blast them with questions. They're ready to spill
all the details about how to write a book that sells AND
how to get it published. If you're ready to finally get some
answers, and make this the year you go from "wannabe" to
published author, you won't want to miss this special
opportunity.

-
Denise Ford

Dear
Michael Masterson: "How do I go about attracting that
initial seed capital?"

Dear
Michael Masterson,

I
have recently started receiving your ETR e-mails, which make
for interesting reading, and I wondered if I could pick your
brain?

I am based in the UK and am currently working on a project
of my own, trying to establish what will hopefully become the
largest independent retailer of ONLY fair trade products in
Britain . The idea seems to appeal to just about everybody
I speak to, and I have a formula in mind that should make it
work.

However, in order to carry out the necessary research to produce
a cast-iron business plan, I need to raise enough capital (say,
around £20,000) to do so – as I have none of my own. A few
people, including a couple of VCs, say that they would be extremely
interested in looking at a proper business plan. And, if it
made sense, then they would
probably invest substantial sums of money.

The question is this: How do I go about attracting that initial
research/seed capital when all I have is an idea?

– Nick Holme

Scotland
, UK

Dear Nick,

I'm not the right person to ask. I don't believe in starting
businesses the way you are thinking of starting yours.

Unless I'm mistaken, you have little or no experience in this
industry. (If you had, then you probably wouldn't be asking
the question. You'd already have a network of people you could
put together to raise money or do the work for a piece of the
pie.) Without inside knowledge of the business, you are an
outsider looking in. What seems to you to be a great idea might
well be the idea every other outsider has tried to realize
before and failed.

And even if you hit the creative jackpot and have an idea that
is really great and could really work, it's highly unlikely
that you could create a business plan that would be effective.
There are too many little invisible things about the industry
that you simply don't know … and it would show. Finally,
even if you managed to put the plan together, why would anyone
in the industry pay you for it? Why would they want to work
with you?

What I'm saying is that your great idea probably isn't as great
as you think it is. If it hasn't already been done by industry
insiders, it's probably NOT because no one has thought of it,
but because they have thought about it and decided not to do
it. (Or have done it and discovered why it doesn't work.)

Apologies for raining on your parade.

That said, should you decide to press forward, you need to
find somebody in the industry – a CFO type – to write the plan
for you. Offer him a piece of the pie. If your idea is good,
someone will provide the sweat equity.

Be forewarned about Venture Capitalists. They are happy to
look at proposals. Paying for your ideas or funding your projects
… well, that doesn't happen very often.

Don't be disheartened. It's people like you with initiative
and guts who eventually succeed. But I think it would be better
to hold off on this venture … at least for now. If you are
sure this is a multimillion-dollar idea, quit your job and
find employment in the industry you are targeting. Make friends
and learn everything you can. In a year or two, you will be
in a much better position to decide if your idea is worth pursuing.
And, if it is, you will know exactly whom to go to, both for
the business plan and for the money.

- Michael
Masterson

(Ed.
Note: Do you have a question for Michael Masterson? If so,
write to him at readerfeedback@gmail.com …
and he may answer your question in an upcoming issue of ETR.)

"I
like to think of sales as the ability to gracefully persuade,
not manipulate, a person or persons into a win-win situation."

- Bo
Bennett

My
2 Top "Rules" for Marketing Copy

By
Paul Hollingshead

How
do you convince your prospect to buy your product or service?
Over the years, I've developed two "rules" for
the marketing copy I write. Whether you're writing the copy
yourself or reviewing copy that someone else has written
for you, make sure it abides by these rules. If it doesn't,
nothing else that you do in your sales letter will work.

First
and foremost …

1.
Care about your prospect.

This
is by far the most important secret to producing good, strong,
compelling copy. Understand what keeps your prospect up at
night – and what he thinks about when he wakes up in the
morning – and be sure your sales letter addresses those concerns
in honest and sincere ways.

Understand
his worries, needs, and fears. When you have the prospect's
welfare in mind, you'll produce a much more sincere sales
letter. And sincerity is very powerful.

You
can't be obvious about it. You can't directly say to him, "Listen,
I know you're not doing that well in the market and I want
to help you." Your sincerity has to come through in
the way you talk to him … the words you choose to use.

Let's
say you're selling a stock trading service designed to uncover "home-run" profits.
You could say:

"The
market's tough on everyone these days. The Dow is down 3%
– the NASDAQ's down 6%. It's pretty tough for anyone to make
money out there – let alone someone who's on the outside
of Wall Street looking in.

"But
there are a handful of investors getting wealthy – even in
this sideways market. They're doing it using the very same
trading techniques the pros use. I'd like you to know about
them … so you too can enjoy the profit spoils many Wall
Street insiders help themselves to every day."

This
copy addresses a big concern for most investors: It's tough
to make money when the market's not performing. It's empathetic
when it says that the market's tough on everyone – suggesting
they're not alone and it's not their fault.

You've
got them thinking, "This guy knows me. He's on my side." And
then you invite him into this special group of people who
are having success … which in itself makes him feel unique
and special.

The "caring" is
there. Much better than saying: "You can make a lot
of money using a trading strategy I'll show you in this letter."

Be
sure to follow the "caring" language throughout
the letter. When talking about your guarantee, for instance,
don't just say, "You're guaranteed to like it or your
money back." Instead, you say something like …

"I'm
sure you'll be thrilled with the number of home-run gains
you earn with XYZ. But I don't want you stuck with something
that's not for you. So if for any reason you're not absolutely
thrilled with any aspect of XYZ, just let me know and I'll
see that every penny you've spent is returned to you."

A
little trick many copywriters use to ensure we write "caring" copy
is to think of someone we know who we'd like to see make
an extra $100,000 or so a year, and write as if we're talking
to that person.

Which
brings me to my second big secret …

2.
Believe in the product.

Obviously,
you believe in your product. (If you don't, why are you selling
it?) But if you're not writing your own copy, you have to
make sure that the person who's writing it for you believes
in it too. If he doesn't, it will be impossible for him to
produce convincing copy.

It's
no accident that some of my greatest successes have come
with products I truly believed in and was able to get myself
really excited about.

How
do you get your copywriter "excited" about your
product? Easy. Help him learn everything that is good about
it. Provide him with all the marketing information you can
get your hands on. Arrange to have him talk to your editor,
product manager, or marketing person.

Most
products have plenty of benefits that a good copywriter can
wrap his head around – benefits that you know will be great
for the prospect you care so much about. But, of course,
no product is perfect. So how do you deal with those "imperfections"?

Say
you're selling an investment advisory that has a few losing
picks associated with it. You can ignore them – but if you
do, you're doing your prospect (the guy you care so much
about) a great disservice.

So
what do you do? Be honest! Tell him about the losing picks
… then turn that into a positive. Here's one way to do
it. After talking about the successful trades, say:

"You
know, I've just given you seven instances where XYZ has made
a lot of money for subscribers. Is every pick on the money?
Of course not. I'd be insulting you if I suggested it was.
But here's the thing. I've shown you examples of winners
returning 120%, 240% – even 560%. But our losers rarely exceed
25% … thanks to our super-strict stop-loss strategy that
severely limits the amount of money you could ever lose."

This
not only turns a negative into a positive … it also enhances
the credibility of everything else you say in your sales
letter.

Are
there other "rules" to follow with your marketing
copy? Sure – and we go into all of them in detail in AWAI's Accelerated
Program for Six-Figure Copywriting. Briefly,
here are some of the most important ones:

Use
short, simple, sentences.
Be
aware of tempo.
Use
punctuation to your advantage.
Apply
The Barstool Test.
Keep
the copy "conversational."
Never
talk down to or show up your prospect.

Every
one of these rules contributes something to the main goal
of your sales letter: to persuade your prospect to buy. But
unless you follow the first two, none of the others will
make a difference.

(Ed.
Note: Paul Hollingshead, a professional copywriter, is the
co-founder of AWAI.)

Today's
Action Plan

Whether
you're writing your own sales letters or overseeing the work
of someone else, you need at least a basic understanding
of what goes into producing good, convincing marketing copy.
Consider looking into AWAI's Accelerated
Program for Six-Figure Copywriting .

* Highly Recommended *

The
Billionaire Way

I
just wanted to say thank you for putting The Billionaire
Way together for others to learn from as well as myself.
I have made it a mission in my life to learn from the greatest
minds in history and business.

I
came from a humble beginning … searching. I
found what I needed to know in The Billionaire
Way . My most important lesson was they
are all human just like you and me. They had special
skills which anyone can develop to attract that
bit of luck we all need in life… that extra edge.

These
lessons can be learned in The Billionaire Way and you
don't have to spend your whole life as a mission, as
I have, to find what I found here in The Billionaire Way
.

I
enjoyed our call. It put the final touches together
that I have needed. If I do happen to get stuck on something
thanks for saying I can contact you again. People look
to me for advice. It is reassuring to ask and receive
advice and have an enriching conversation. I find it
is rare.

Thank
you

Aaron
Kaggie

President.
of Kaggie Holdings, Inc.
Kearns , Utah

Now
you can have a free one-on-one phone consultation with billionaire
mentor Bob Cox. As a special offer to Early to Rise readers
he will offer a free phone consultation to anyone who purchases
his Billionaire Way Program.

Please
click here for all the details on this unique program.

Counteracting
the Side Effects of the Unavoidable Sugar in Your Diet

By
Jon Herring

A
high-sugar diet is clearly linked to today's three biggest
killers: cancer, heart disease, and diabetes. And one type
of sugar, high-fructose corn syrup, is pervasive in packaged
foods and drinks. But researchers have recently discovered
that fish oil can help protect against its ill effects.

In
a recent study, published in the medical journal Diabetes ,
healthy male subjects were put on a high-fructose diet
for six days. At the end of the six days, the subjects'
triglyceride levels (a significant risk factor for heart
disease) had nearly doubled. But when researchers gave
them fish oil (7.2 g per day) in addition to the high-fructose
diet, the increase in triglycerides was cut in half.

I
am certainly not suggesting that you should take fish oil
and then eat whatever you want. But this is just one of
many studies proving how beneficial this nutritional supplement
can be. The brand of fish oil I recommend is Carlson's.
You can find it online or in just about any health food
store.

It's
Good to Know: Municipal Gardens

By
David Cross

Last year, I ran into a slight problem: Our small backyard
garden couldn't accommodate any more plants, chickens, geese,
or wood-fired pizza ovens.

During my search for arable land, I discovered that our hometown
(the city of Portland , Oregon ) has a number of municipal
plots that you can rent for next to nothing. So, for a mere
$45 a year, we now have a 400-square-foot community g arden
plot of land where we grow our own organic vegetables. Where
else could you find real estate for about 11 cents a square
foot?

Find out if your town offers a similar program, or check out
the American
Community Garden Association's website at. It
takes less than an hour a week to water and tend to your "crops" -
and you'll love growing, picking, and eating your own organic
tomatoes, fragrant herbs, spices, and vegetables.

(Ed. Note: David Cross is Senior Internet Consultant to Agora
Publishing in Baltimore.)

*
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Prospects than Any High-Tech Company on the Planet

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– without a doubt – a multi-billion dollar company in the
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This is the best opportunity I know of to make 2000% (or
more) in technology. I've just written a full report on this
extraordinary opportunity… click
here to find out more.

Word
to the Wise: Arable

Land
that is "arable" (AR-uh-bul) is
capable of being farmed productively. It is derived from
the Latin "arare" ("to plow").

Example
(as used by David Cross today): "During my search for
arable land, I discovered that our hometown (the city of
Portland , Oregon ) has a number of municipal plots that
you can rent for next to nothing."

Have
a Question for Michael Masterson? Want to
know the secrets to his success? Have a perplexing
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Should You Dump Your Dollars?

Friday, May 5th, 2006

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

www.earlytorise.com
Friday, May 5, 2006
Message #1721

WEALTHY:
3 ways to profit from the falling dollar

HEALTHY: Good cholesterol?

WISE:
William Hazlitt on infamy

ALSO
IN THIS ISSUE:
Infamy
vs. Fame (Michael
Masterson)
We
tackle the wine glass question
Add
the word "miscreant" to your vocabulary

*
Highly Recommended *

Do
You Need To Start Out Small ?

If
you don't have an Internet business yet, or if your company
is smaller than $1 million then you need something different…
something that lets you start off small.

One
man I know turned $10 into over $500,000. How's that for
starting small!

Let
me show you how to get a similar Internet income stream running for
almost nothing.

-
Patrick Coffey

Should
You Dump Your Dollars?

By
Andrew Gordon

The
dollar surprised everyone in 2005 by rallying just when it
appeared to be doomed. But the rally peaked quickly in November.
Since then, the dollar has gone nowhere, trading in a narrow
range. That suggests it's getting ready to resume its major
trend downward.

Here
are three ways to protect yourself when the dollar heads
south again:

1.
Short the dollar.

Until
recently, shorting a currency took a lot of skill and some
fairly deep pockets. Now, mutual funds like ProFunds' Falling
U.S. Dollar (FDPSX) fund and Rydex's Weakening Dollar (RYWBX)
fund enable you to profit from a decline in the U.S. dollar.

2. Invest in foreign-bond funds.

As
the dollar declines, investors around the world will pull
their money out of U.S. Treasuries and put them into foreign
bonds … which will appreciate in value while still paying
a nice dividend.

3.
Buy gold.

Gold
loves a falling dollar, and it's in the middle of a long-term
bull run anyway. The easiest way to invest in gold is to
buy shares of the GLD exchange-traded fund (ETF).

I'm
not interested in playing short-term trends. And I'm not
asking you to get in and out of the market every couple of
months. When currencies begin to trend up or down, they typically
do so for a long time, and the U.S. dollar is no exception.
This is a great opportunity to sock up to 5 percent of your
savings into an investment that should be good for at least
the next 10-12 months. (Even longer, when it comes to gold.)

[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.]

"Vice
and infamy have their altars and their religion."

-
William Hazlitt

A
Too Typical American Story

By
Michael Masterson

A
Drug Enforcement Agency officer, attempting to demonstrate
gun safety to a class of grammar school children, shoots
himself in the thigh. The videotape makes its way to the
Internet, where it appears as a "top 20 video" on
a website called Dumb Cop. Claiming the release of the video
clip has damaged his career, he hires a lawyer … who hires
a publicist. And suddenly, he's being interviewed on NBC
about a suit he's filing against the school system.

The
NBC reporter who interviews him characterizes his career
as "exemplary" and admires him for playing down
his injury in front of the children. "You must have
been in great pain," he says in a commiserating tone. "Was
it sheer pride that kept you going?"

In
the U.S. today, it seems that there's nothing we won't do
for money and fame. Any act or accident, no matter how stupid
or disgraceful, has the potential to be transubstantiated
into the new, shameless American dream.

America's
writers and journalists have always had a fascination with
miscreants, losers, and bad guys … and some of them became
widely known. But until recently, it seems to me, such characters
were neither paid nor pampered by the press that publicized
them.

In
the old days of American idolism, a Jesse James or Clyde
Barrow might, through a string of evil and illegal actions,
become infamous. But he could never hope to enjoy fame. He
might benefit temporarily from the money he stole, but he
wouldn't expect additional riches for the rest of his life
from interview payments, public speaking fees, and publishing
royalties.

Until
recently, we also always held our antiheroes in contempt.
We loved what we knew should be hated. Nowadays, that distinction
is fading fast. Making a sufficient fool of yourself on national
television – either by failing miserably as an apprentice
for Donald Trump or by blurting out your sexual secrets for
Jerry Springer – is a virtual guarantee of additional fame
and fortune … including, if you've really been disgraceful,
a movie deal.

Lawyers,
journalists, publicists, and media executives have discovered
what their predecessors either didn't know or didn't want
to find out: There is no limit to America's fascination with
the seamy side of our culture … and the fastest way to
cash in on this fascination is to aim low.

In
today's United States of America, we reward vice and stupidity
just as much as virtue and intelligence. The secret to fame
and fortune is no longer a subtle algorithm of skill, ambition,
and good intent but the simple arithmetic of avarice and
excess.

In
other words, if you are going to be bad and/or stupid, be
really, really bad and/or stupid and who knows … you may
end up on the morning news.

It's
sad but it's very true. If you judged America by its most
popular television broadcasts (the morning news, afternoon
game shows, and evening reality programs), you'd surely conclude
that integrity and common sense are passe.

Luckily,
we have a media that's bigger than network news. Thanks to
cable and the Internet, we have hundreds of news and entertainment
options. Some of these – not many, but some – are not afraid
to call a spade a spade.

You
don't need to be an expert in handgun safety to know that:

Accidentally
discharging a weapon in a classroom full of children
requires an amazing combination of stupidity and ignorance.

Anyone
who does so should never be allowed to carry a gun again.

Any
publicity that such a person merits should be negative.

Any
money that exchanges hands as a result of such an accident
should be from the responsible party (the cop) to the
true victims (the children).

I
can't do much about television's love affair with ratings,
our culture's fascination with crassness, or the increasingly
popular practice of legal action as a means of acquiring
wealth. And neither can you.

What
can we do? We can surround ourselves with people who maintain
pre-21st century values and we can try to live by those values
ourselves. We can work hard and stay smart and do good and
hope that – in the end – if we don't get everything we want,
at least we will get everything we deserve.

Today's
Action Plan

What
do you think? Why is it that an increasing number of "miscreants,
losers, and bad guys" seem to be seeking (and achieving)
fame and fortune? Do we blame television? Our culture? The
legal system? And is there anything we can do about it? Share
your thoughts on Speak
Out.

*
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HDL:
The Cholesterol That Protects You From Heart Attack

By
Jon Herring

Not
a day goes by that you don't hear about the importance of
lowering your cholesterol. But it is even more important
to raise your cholesterol – your HDL cholesterol, that is.
High levels of HDL – the "good" cholesterol – have
been shown to be protective against heart attack. (And low
levels of HDL – less than 40 mg/dL] – increase the risk.)

In
a study performed at the Indiana School of Medicine and published
in the American Heart Journal, researchers found
that increasing HDL by 10 mg/dL was associated with a 10
percent reduction in the risk of heart disease in the study
participants.

Here
are some ways to increase your HDL levels:

Lose
weight.

Exercise
(particularly with interval training).

Eat
more monounsaturated fats (such as natural peanut butter,
avocados, and extra virgin olive oil).

Eliminate
all hydrogenated oils (trans-fats) from your diet.

Eat
more soluble fiber (from fruits, vegetables, oats, and
legumes).

If
you smoke … STOP.

Worth
Quoting: Michael Masterson on Becoming an Extraordinary
Worker…

"To
earn significantly higher raises than the average person,
you must perform at a significantly higher level than your
coworkers. Put differently, so long as your work performance
is ordinary, you can't expect anything more than an ordinary
salary. But if you change your work habits and contribute
substantially more than your fellow workers, you can rightly
expect to be paid substantially more than they."

[To
get Michael's specific advice on how to dramatically boost
your earning power by becoming a superstar employee, order
your copy of his new book - Automatic
Wealth for Grads ... and Anyone Else Just Starting Out -
today.]

It's
Good to Know: Wine Glasses

By
Suzanne Richardson

There's
a specific wine glass for just about every type of wine.
Stemware comes in many different shapes and sizes that affect
a wine's taste, bouquet, balance, and finish. The glass can
even accentuate or minimize its tannin, acidity, or fruit.
While some studies say people can't really taste the difference
between a wine sipped from a special glass or from any old
goblet, many wine lovers, including Michael Masterson, disagree.
In any case, upholding the tradition of choosing the perfect
glass to complement the perfect wine makes drinking it that
much more enjoyable.

For
detailed information on this very complicated subject, check
out the Riedel Wine Glass Company's wine
and glass guide. But to keep it simple, here's
all you really need to know:

Drink
red wine from large glasses (to ensure proper "breathing").
Straight-lipped stemware – which directs the wine to
the center of the tongue – is best for highly tannic
reds with moderate acidity. (Think Bordeaux and Cabernet
Franc.) Stemware with a slightly flared top lip – which
directs the wine to the tip of the tongue – is best for
reds with high acidity and moderate tannin. (Think Burgundy
and Beaujolais Grand Cru.)

Drink
white wine from medium-sized glasses. Straight-lipped
stemware is best for whites with full body and moderate
acidity. (Think Chardonnay, White Burgundy, and Pinot
Blanc.) Stemware with a slightly flared top lip is best
for light, fruity, acidic whites. (Think Pinot Grigio,
Riesling, and Sauvignon Blanc.)

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Word
to the Wise: Miscreant

A "miscreant" (MIS-kree-unt)
is a villain – a person without scruples. The word is derived
from the French "miscroire" ("to disbelieve").

Example
(as I used it today): "America's writers and journalists
have always had a fascination with miscreants, losers, and
bad guys."

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

Are you having trouble receiving Early
to Rise messages?

Ensure that Early to Rise gets delivered
to your email box, click below:

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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

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Event Promotion: A Great No-Capital-Required Business

Thursday, May 4th, 2006

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

www.earlytorise.com
Thursday, May 4, 2006
Message #1720

WEALTHY: They came … they saw … I collected the money
(Paul Lawrence)
HEALTHY:
Why is Jon talking to his computer?
WISE:
Don King on being a promoter
ALSO
IN THIS ISSUE:
5
ways to become a better listener … and marketer
Once
again, I raise hackles ( Michael
Masterson )
Add
the word "mephitic" to your vocabulary

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than many people see in a year. He's spent the last decade
developing an inexpensive system that beats the pants off
more costly advertising methods every time. Click
here to learn more.

-Will
Bonner

"I'm
a promoter of the people for the people and by the people
and my magic lies in my people ties. I'm a promoter of
America. I'm American people. You know what I mean? So
therefore, uh, do not send for who the bell tolls 'cause
the bell tolls for thee."

- Don
King

Event
Promotion: A Great No-Capital-Required Business

By Paul
Lawrence

I
stood by the door in awe, watching the giant line of people
waiting to buy tickets to a nationally recognized comedy
club. It seemed like the line would never end, as one person
after another handed over cash to see the show.

Now,
this may not seem like a reason to be in awe. After all,
there is certainly no shortage of popular shows with long
lines of anxious viewers. But I had a good reason be blown
away. You see, I was going to receive money for each person
who entered the club that night. And I was going to collect
that cash despite the fact that:

It
wasn't my club.

I
didn't work there.

I
hadn't invested more than $50!

All
I did was promote an event at an already-established venue
– in this case, a comedy event at a comedy club. But there
are many other events that use the same business formula,
including (but certainly not limited to):

musical
performances

sporting
events

festivals
(arts, crafts, hobbies)

theatrical
events

Here's
the deal I'd made with the comedy club: I would provide the
entertainment for a middle-of-the-week show (when the club
was usually closed and not producing income). The club would
receive all the money from food and beverage sales … and
I would get all the door money (the admission charge).

About
250 people showed up for this particular event. And, at a
measly $5 a pop for admission, I netted $1,200 for the night.
If your event could sell tickets for a higher price, you
could make considerably more.

The
entertainment that I provided cost me nothing. It was easy
to find fledgling comics who wanted to perform at such a
great club. I let each one know that he or she had to bring
at least 10 paying audience members to get their stage time.
So, with very little work, I had entertainment that was going
to bring its own paying audience. And, boy did they!

It
was a win-win for everyone. The club was filled on a dead
night, the comics got a chance to perform, the audience had
a great time … and I made a tidy profit with no financial
risk.

As
I noted before, it's possible to make great money immediately
– not to mention give yourself tremendous opportunity for
growth – with many other types of events.

Take
Jack Spencer who, in 1982, decided to start promoting rock
concerts … even though he didn't know much about it. Using
a little common sense, he was able to stage his first concert
with a relatively unknown entertainer by the name of Stevie
Ray Vaughn. He booked the talent, made a deal with a venue,
and promoted the event through word of mouth. Though he made
a measly $950 that night, today, he makes big bucks as a
well-established national promoter.

Steve
Lount got started in the event-promotion business because
he loves comedy and he never wanted a "proper" nine-to-five
job. While attending a comedy club show, he came up with
the idea of promoting his own – and has been doing it successfully
in Bristol, England for the past 12 years. He says, "I
love the idea of putting on shows for the public. It's the
whole thing of booking the acts, marketing the shows, setting
up the event. I get a constant buzz from doing it and I never
get bored."

Here
are the basic steps for starting your own event-promotion
business:

1.
Choose the type of event that you'd like to promote and
make sure it's commercially viable. The best way to judge
commercial viability is to choose something that other
people promote on a regular basis. For example, I knew
a local comedy show could attract an audience, because
shows like that are put on all over the country every week.
(On the other hand, you don't hear of too many frog-racing
nights …)

2.
Find a venue that will work with you on a profit participation
basis.

3.
Secure the talent or the attraction.

4.
Use flyers, bulletin boards, word of mouth, the Internet,
etc. to promote the event.

5.
Be at the site during the event and manage all of the logistics:
controlling the cash collection at the door, making sure
the entertainment arrrives and is on stage when scheduled,
and immediately resolving any customer complaints (such
as seating issues).

If
you find that you're successful with smaller events, you
can start to book larger events.

In
2004, the concert business alone brought in over 2.8 BILLION
DOLLARS from tours in North America. And that didn't include
opportunities in live theater, comedy, sports, various competitions,
arts and crafts, etc.

Look,
during that first event of mine, I made $1,200. And although
$1,200 isn't a fortune, it was … in a way. Because it gave
me a template for making $12,000 next time, $120,000 the
time after that, and possibly even $1.2 million in the future.

In the event-promotion business, it takes the same skills and
inside knowledge to make $1.2 million as it does to make $1,200.
Once you know the ropes, there's no limit to the profits you
can make. And the kicker is … you get to do it by being involved
in something you love.

[Ed.
Note: Paul Lawrence, a regular contributor to ETR, is a produced
screenwriter, direct-mail copywriter, and business author.
He is also the creator of the Quick
and Easy Microbusiness System, ETR's program for starting
a business for under $100.]

Today's
Action Plan

You
can start your own event-promotion business in six weeks
with as little as $100 in start-up capital. You can work
part-time at first, and can potentially make over $1 million
a year. Interested? Find
out more about it here

* Highly Recommended *

So
wouldn't you like to tell your boss – and all the others…

'Get
Your Stinkin' Hand Out Of My Wallet!'

If
you're serious about getting out from under the 9 to 5 daily grind,
I'd like to introduce you to a man who's been helping
people…

He'll
tell you exactly what to do… so you can tell all of
them to shove it!

Let
me introduce you to the man they call "The King of
Business Opportunities".

-
Charlie Byrne

Worth
Quoting: Michael Masterson on starting your own business
when you're young …

When
you're young, starting your own business may be the furthest
thing from your mind. You are busy finding and starting a
new career and having an active social life – so why would
you complicate everything by thinking about your own business?
Here are the reasons in brief:

Control

Money

Self-satisfaction

You
can enjoy these benefits as a salaried employee, but not
usually to the same degree. I've been both an employee and
a business owner – many times over – and can tell you from
my own experience that nothing beats doing it yourself.

[Ed.
Note: This is an excerpt from Michael Masterson's new book Automatic
Wealth for Grads ... and Anyone Else Just Starting Out.
To get Michael's detailed advice on starting your own business,
order your copy today.

High-Tech
Relief for Repetitive Stress

By
Jon Herring

If
typing on the computer for an extended period of time causes
pain in your hands and fingers, I have a solution: voice-recognition
software.

Yesterday,
I bought Dragon NaturallySpeaking - the best voice-recognition
program that's commercially available. In years past, the
drawback to using this program was that it wasn't very
accurate. Well, that problem has been solved. As long as
I speak clearly, I can talk at any speed and the computer
keeps up - with 100 percent accuracy.

If
you have repetitive-stress injuries, carpal tunnel syndrome,
or arthritis, this is something you should definitely consider.
And if you don't have physical problems that interfere
with your typing on the computer, consider it anyway. It
might improve your productivity.

How
Being a Good Listener Can Make You a Better Marketer

Know
your prospect. As a marketer, you hear this over and over
- and it truly is the most important secret of powerful,
successful marketing.
The best way to learn who your prospect is ... to understand
his fears ... to get to know his hopes and aspirations ...is
to go to your prospect himself. When you have the opportunity
to talk with (NOT interview, but really talk with) one of your
prospects, you've hit upon the richest possible vein of material
for crafting your sales pitch that you could hope for. But
if you want to squeeze every gram of potential from your prospect,
you must listen actively to his words. That's why learning
to be a good listener is one of the most important skills you
can develop.

You
can become a better listener - whether you're talking to
a prospect, a client, or anybody else - by using these five
techniques:

1.
Listen ... don't just hear.

Most
of us are reluctant to come right out and say what we mean.
So it's important to listen for both literal and hidden
meanings.

Listen
to the cadence of the other person's speech and the words
and phrases he uses to express himself. These let you peek
into his real feelings. (And if you're talking to a prospect,
they can also give you exact words and phrases that you
can use to hit at the emotional heart of your sale.)

Ask
yourself if his words and tone agree. He might be saying
something positive, because he thinks that's what you want
to hear. But if his tone and words give you a different
message, pursue it ... without being pushy.

Listen
for ideas and words that the person repeats. Listen for
changes in his voice that indicate he's excited about something.
And listen for pauses and changes of tone that indicate
something he's not interested in.

2.
Stop thinking about you.

Don't
plan a response while the other person is still talking.
You might miss a really important point. Instead, when
he's finished speaking, take a few minutes to gather your
thoughts. Don't be afraid of silence.

3.
Take meaningful notes.

You
can improve your ability to remember by making a brief
record of the other person's main points. Efficient note-taking
requires practice. Make your notes brief, easy to interpret,
and easy to review.
But do NOT let your note-taking interfere with your listening.
It's better to listen actively and ask the person to explain
a point than to get lost in your note-taking and lose an
important idea entirely.

4.
Resist distractions.

If
you're talking to the other person on the telephone, sit
where you can hear without being distracted. Resist the
urge to look at your computer or check e-mail. Concentrate
on concentrating.

5.
Practice regularly.

Practice
listening and taking notes by paying attention to difficult
or unfamiliar material that challenges you - for example,
the longer news stories that you hear on NPR or Sunday
morning news programs.

There's
no doubt that being a good listener will make you a better
marketer. Just remember that being a good listener is more
than being there while someone else is speaking. It's hearing
- and understanding - the message that's being sent.

[Ed.
Note: The above article is from The
Golden Thread, AWAI's free weekly e-letter for anyone
interested in developing their marketing skills.]

Reader
Feedback: More Gospel on the Gospel

By
Michael Masterson

We
got lots of response to the little piece I wrote about the
Bible in Message
#1691. Several readers didn't like what they thought
I was doing: suggesting that the sacred book shouldn't be
taken too literally or even too seriously.

From
one reader: "You purport to have learned certain things
about the Bible. You then go on to explain what these things
are. The problem is: Your article is woefully mistaken on
more than one count."

From
another: "Your article is a classical example of 'a
little knowledge is a dangerous thing.' For those many who
have little experience with the Bible and less knowledge
of history, you will have succeeded in encouraging their
disregard for this unique work – the Bible."

Some
felt differently …

"As
a Jew exploring the meaning of my own religion," said
one reader, "your thoughts on the development of the
New Testament were very interesting."

Said
another reader, "Michael, you'll probably get more than
a little heat from folks who don't want you to mix religion
into your posts … especially when it shows facts that may
make some uncomfortable. For me, I like it just fine."

So
much dust … and before it could settle, we have yet another
report of a translation of a "Gospel of Judas" (apparently,
a translation of a translation) that presents Judas as Jesus'
only "true disciple" … who, according to Newsweek
magazine, learned secret, mystical knowledge from Jesus and
asked to be "turned over to the Romans so he could free
his spirit from its fleshy prison."

[Ed.
Note: Feel strongly about this subject? Let's hear from you
on Speak Out

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Word
to the Wise: Mephitic

Something
that's "mephitic" (muh-FIT-ik) has a foul odor.

Example
(as used by Richard Holmes in Coleridge:
Darker Reflections,1804-1834): "The mephitic stench
from the bilge became overpowering."

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

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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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

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Give a Great Talk, Part 3

Wednesday, May 3rd, 2006

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

www.earlytorise.com
Wednesday, May 3, 2006
Message #1719

WEALTHY: Earning millions … but still broke (Michael
Masterson)

HEALTHY: This is your brain on green tea..

WISE: Speechmaking advice from William Penn

ALSO IN THIS ISSUE:
Public speaking for profit (Bob Bly)
4 shortcuts for selecting text
Add the word "bombinate" to your vocabulary

* Highly Recommended *

The
number of foreclosures has doubled since last
year

You may have noticed quite a few articles about
foreclosure real estate in ETR lately. There’s
a good reason for that – the number of foreclosures has doubled since
last year, and that’s beans compared to what’s
on the horizon.

In other words, we see a real opportunity for
you to make some money right now. When we spot
a window of opportunity like this one, we try to pass it on.

To that end, I worked out a pretty sweet deal
with foreclosure investing expert Ted Thomas. ETR readers
can receive FREE admittance into his 3-Day
Foreclosure Workshop in Orlando, Florida. Click
here to learn.

- Will Bonner

You
Need More Than a Big Income

By
Michael Masterson

It's amazing how many young people (and lots
of older people) equate making mucho dinero with being rich.
But you need more than a big income.

A good example: the cable show Entourage .
In Entourage , the main character is a fictionalized
version of Mark Walberg after he became famous as a Hollywood
actor. Mark's character and his friends spend all their time
and money buying toys and chasing girls, while their accountant
sits in his office and screams at them.

The entourage is hell bent on spending every
cent of the multimillion-dollar income their buddy is earning.
And that makes them feel rich. The truth is, they are just
as broke as they were when they were living in Brooklyn . The
only difference is that they are spending more.

To be rich, you need lots of money in the bank.
A big income can give you a great lifestyle, but if you are
spending it as fast as you are making it (like the entourage),
when you stop working or a financial emergency arises, you'll
very quickly find out how un-rich you really are.

If you want to become wealthy – in terms of having
lots of money put away for a rainy day … or money to spend
after you stop working for it – you are going to have to learn
how to save and invest a significant portion of your income.

But here's the good news for those of you who
are just starting on a career. The best time for you to start
saving money is now. If you get yourself into the habit of
doing so, you'll be rich before you know it.

(Ed. Note: This is an excerpt from Michael Masterson's
new book Automatic
Wealth for Grads… and Anyone Else Just Starting Out.
For Michael's step-by-step advice on building wealth through
saving and investing … get the book!)

"Speak
properly, and in as few words as you can, but always
plainly; for the end of speech is not ostentation, but
to be understood."

- William
Penn

Give
a Great Talk, Part 3

By
Bob Bly

With my previous article for ETR,
I thought I had covered everything you need to know to be a
really terrific speaker. But when I showed it to Terry Smith,
my ex-boss at Westinghouse and author of the classic book Making
Successful Presentations, he suggested a
few more tips for me to pass on to you.

1. Have something worthwhile for the
audience.

In other words, show them how they will benefit
from the advice or content in your talk. For instance, if your
talk is announcing a new treatment for varicose veins, tell
the audience some things they can do to prevent or relieve
the symptoms of the condition – like mild exercise or wearing
special stockings.

2. Rehearse.

Your presentation will never be great the first
time you give it. So you want to give it many times before
you're actually in front of your audience. That means rehearsing.

You can rehearse by yourself … or in front
of your staff or family. Or you can accept speaking gigs in
venues that aren't critical to you (e.g., the local library
or YMCA) before unveiling your talk to the people whose response
really matters to you (your target market).

3. Be yourself.

Avoid the well-meaning but misguided advice of
speaking coaches and trainers who teach you theatrical techniques
or tell you to change your manner, voice, and posture. Just
be yourself. Audiences respond much more positively to real
people than to mannequins and phonies.

4. Keep telling yourself, "I'm glad
that I'm here, and I like what I'm doing" – even if
it's a lie.

My experience is that even if you don't like
giving talks and don't look forward to doing them, once you
step up to the lectern and open your mouth, your distaste will
vanish and you'll gain enthusiasm.

Okay. So now you have a complete mini-course
on how to give a great talk. Terry's advice – combined with
what I already told you in Part
1 and Part
2 of this article – is everything you need to
know about public speaking. And, as you can see, it is not
rocket science.

NOW … how can you use this skill to promote
your business? I have a few suggestions.

The most obvious is to find local business meetings
where the attendees are your potential clients, and offer to
speak to them for free.

There are thousands of meetings, luncheons, and
dinners held each year throughout the country that routinely
feature speakers. Since small local groups don't have the budget
to hire professional speakers, but want to deliver valuable
content to their members, they are always on the lookout for
volunteers.

It's not difficult to get on their schedule.
Just send a letter to the person in charge of arranging for
speakers. Tell her your qualifications, the topic of your talk,
and the key points you will cover. If your topic is relevant
to the interests of the group, you'll get your opportunity
to talk to them.

Don't use this opportunity to deliver a speech
that's a thinly disguised commercial or pitch for your services.
Your audiences will hate it … and dislike you for giving
it. Which won't produce the leads you want.

The best way to get potential customers in the
audience to want to do business with you is to give a great
talk that's packed with valuable how-to tips they can use.
The only mention of you and what you do should be in a brief
introduction about you that's given by a member of the group.
(Type it out on a card so the person can read it, word for
word.)

Want to bring your speech to a broader audience?
Arrange to professionally record your presentation. Then duplicate
the presentation on a CD or audiocassette with a nice label.
Send an e-mail or postcard to your mailing list, tell them
the title and content of the talk, and offer it to them free.

You could also post your talk as a downloadable
MP3 on your website and offer to send a link to it. Or you
can make a transcription, which you could send to prospects
as a downloadable PDF file.

I recently gave a talk on software marketing
to a group of software publishers. I then mentioned the talk
… and offered a free tape recording of it … in my monthly
e-newsletter. Within 24 hours, I received more than 200 requests
for the tape … many from software companies interested in
hiring me to write copy for them.

From this one-paragraph mention in my e-newsletter,
I landed an immediate $12,000 in copywriting business.

(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 Masters Edition – a program
to help you start your own successful direct-mail business.)

Today's
Action Plan

How could you promote your business by giving
talks to people who could benefit from whatever you're selling?
Make a list of possible topics. Then make another list of groups
that might be interested in hearing what you have to say -
and start making phone calls.

* Highly Recommended *

I've
Already Done All the Hard Work for You!

One of my jobs at Early to Rise (ETR) is to come
up with powerful ways to help you – our loyal reader – make
money on the Internet. After all, the promise we make is that
by using the tools we give you in ETR, you can become healthier,
wealthier and wiser.

Now I'll be the first to admit it…

I'm no Jack LaLanne or Arnold Schwarzenegger
when it comes to fitness and health… and I've never claimed
to be Socrates or Einstein as far as wisdom goes.

But with all due modesty, I am the ideal person
to tell you about making a nice new side income from the Internet. I
can give you techniques and strategies that you can put to
use immediately and without great expense or unnecessary complications.

Let me show you how to get your first Internet
income stream up and running for
almost nothing.

- Patrick Coffey

Boost
Your Brainpower With Green Tea

By
Jon Herring

Green tea is one of the oldest – and healthiest
– beverages in the world. A recent study of more than 1,000
people in Japan showed that the more green tea the subjects
drank the lower their odds were of having cognitive impairment.

In addition to boosting your brainpower, green
tea is brimming with nutrients that have been shown to fight
viruses, slow aging, and protect against cancer and heart disease.
Its most powerful antioxidant, EGCG, has been shown to be significantly
more potent than vitamin C, vitamin E, and resveratrol (the
healthy compound found in red wine).

While most people drink it hot, green tea is
also a refreshing summer treat. Try it over ice with a wedge
of lemon.

It's
Good to Know: Computer Basics Shortcuts
for Selecting Text

Here are some easy-to-remember shortcuts for
selecting text in a document:

1. To select a word ,
double-click it.

2. To select a line ,
click next to the line in the left margin.

3. To select a sentence ,
press and hold < CTRL > and click
the sentence.

4. To select the entire
document , press and hold < CTRL > and
double-click in the left margin or press and hold < CTRL > and
the letter < a >.

(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.)

*
Advertisement *

Is
There a Book In Your Future?

Learn how to go from a “wannabe” to
a published author by the end of this year: Click
here.

Word
to the Wise: Bombinate

To "bombinate" (BOM-buh-nate)
is to buzz or hum.

Example (as used by Cheryl Glenn and Robert J.
Connors in New
St. Martins Guide to Teaching Writing : "Sometimes
the computer bombinates into the night, stops for a bit of
rest, then resumes its hum at the early hours of the morning."

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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to Rise messages?

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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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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
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Who Else Wants to Buy Real Estate Now?

Tuesday, May 2nd, 2006

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

www.earlytorise.com
Tuesday, May 2, 2006
Message #1718

WEALTHY: Top deals of the Great Bubble Bust (Justin Ford)
HEALTHY:
Why high-protein diets are so popular
WISE:
Margaret Thatcher on bubble booms

ALSO
IN THIS ISSUE:

A
hard-won lesson about marketing (Matt Furey)
Having
sex? MY kids? ( Michael
Masterson )
Add
the word "irrefragable" 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

"If
you go into what I call a bubble boom, every bubble bursts."

- Margaret
Thatcher

Who
Else Wants to Buy Real Estate Now?

By
Justin Ford

Ankle-high
interest rates and low lending standards made everyone a
property owner who cared to be one over the last few years.
At the same time, all that loose money drove prices to the
moon.

Home
prices nationwide rose nearly 50 percent in the last five
years – about twice the long-term average. The hottest markets
– like parts of Nevada , Arizona , South Florida, California
, Massachusetts , and New York – more than doubled.

It's
been one of the great real estate bull markets in U.S. history.
But now the pendulum is swinging the other way. Money is
getting tighter and prices are getting lower.

It's
a bad time to be a speculator. But it's a good time to be
a cash-flow, deep-value investor. In fact, we may be heading
for one of the best times to buy foreclosures and pre-foreclosures
since the S&L crisis of the early '80s.

Across
the nation, deals are surfacing …

It's
Turning Into a Buyer's Market

In
my neighborhood in South Florida , For Sale signs are popping
up like dandelions after a spring rain. One block that went
up about 400 percent in the last seven years now has more
signs than a Sunday bazaar, each competing desperately with
the next. One, in deep red, reads, "Price Just Reduced!
Motivated Seller!"

Realtors
once again are returning phone calls and even minding their
manners. They're also thinking about taking second jobs.

Sale
prices are sticky and only inching down. But asking prices
are like Kmart specials, constantly revised … to the downside.

But
the real price movements are in foreclosures. Forced sales.

Until
last year, people who hadn't made a mortgage payment in months
waited till the last minute to sell – confident that each
passing month meant another 1 percent, 2 percent, or 3 percent
added to their sales price. Now, each passing month may mean
a drop in their sales price … and still no bids at all.
Yet, their overdue loan is only growing. And the foreclosure
date is fast approaching.

Earlier
this month, The Wall Street Journal reported that
February's foreclosure numbers were up 68 percent over last
year. Still, they're near historical lows. That's because
prices have been on a strong uptrend for so long that desperate
sellers were never that desperate. Now, that's changing.
Foreclosures could go much higher from here.

Easy
Credit Leads to Hard Times

Since
2000, sub-prime lending has exploded from less than 140,000
loans nationwide to nearly 650,000. And many of those sub-prime
borrowers "qualified" for their massive loans thanks
to low introductory payments on adjustable-rate mortgages.
These loans are about to cause big trouble for millions of
cash-strapped homeowners.

According
to Moody's, more than $2 trillion of U.S. mortgage debt is
coming up for interest rate resets this year and next. That's
about a quarter of all outstanding mortgages. And most of
these rate increases won't be just a few bucks here and there.

A
division of First American Corp., one of the country's largest
title insurers, just did a study that concludes about 1.4
million households will face a payment jump of 50 percent
or more once their initial low-payment period expires.

Overall,
First American expects one in eight households that took
on an adjustable rate loan in the last two years to default.

If
you've been on the sidelines for the last few years, waiting
for a good time to get into the real estate market, you may
want to suit up. The next two years should present many deals
for investors who have kept their wits and credit ratings
about them.

In
fact, even if you have no credit or cash, if you know how
to find the deals and investors, you can make substantial
profits from the Great Bubble Bust. But knowledge is key.
It's much rarer than capital in this loose-money world.

Get
Educated

If
you don't yet have the knowledge, there are a few things
you can do to start getting it.

First,
let me start with a DON'T.

DON'T
… as in DO NOT … just go out and buy a property "on
the courthouse steps" if you're new to foreclosures.
This is a game that should be played only by knowledgeable
and experienced investors.

At
auction, you often see properties on offer that no one has
gotten a chance to see from the inside, let alone had a professional
building inspector look at. You also have to make sure the
auction will wipe out all other liens. If the holder of a
second mortgage is the foreclosing party, you may think you
got a good deal. Instead, you may end up with an overpriced
deal, a huge new loan to pay (the first mortgage) … and
you could be facing foreclosure on the same property yourself
soon.

Then,
there may be code violations. Have you checked them out?
Have you spoken with the municipality about whether they'll
forgive those violations if you remedy them … or at least
negotiate them down? Is there a mechanic's lien or tax lien
on the property as well?

Buying
at foreclosure can be very profitable. But only if you have
a system set up whereby you have a way to check all your
title issues, legal issues … and buy at enough of a discount
to market value that you can be prepared for nasty surprises
inside the structure.

The
best way to buy foreclosures is to buy them before they get
to auction. These deals are called "pre-foreclosures." And
they can give you enough time to do your due diligence …
to help a property owner salvage some equity and his credit
… and to walk away with a property bought at a very good
price.

Other
profitable and less risky ways to buy foreclosures include
buying directly from banks that have taken properties back
(REOs) and buying wholesale from experienced foreclosure
investors.

In
all of these situations, however, get educated first about
your local real estate values and how the various processes
work. You can start by going to a foreclosure auction …
not to bid, but just to learn. Bring business cards with
you, and hand them out to the experienced investors who are
buying the foreclosures. If they wholesale, let them know
you might be interested in buying properties from them.

Also,
join local real estate clubs and get to know – and learn
from – other investors. Keep an eye out for seminars and
conferences given by experienced foreclosure investors. Line
up your credit lines and/or begin to assemble your own network
of investors. These are people who have the financial wherewithal
to fund your deals entirely, provide the down payment, or
help you qualify for a loan for the rest of the purchase
price.

(Ed.
Note: Justin Ford, ETR's real estate expert, is the editor
of Main
Street Millionaire, our Real Estate Investment Success
Program)

* Highly Recommended *

More
Passive Income In a Single Month

-Will
Bonner

Today's
Action Plan

Now
is the time to start acquiring the knowledge you need to
profit from what Justin calls "the Great Bubble Bust." Educate
yourself on how to find foreclosure deals, fund the deals,
do your proper due diligence, have an exit strategy in place,
and keep your risk to a minimum. All indications are that
foreclosures will rise for the foreseeable future. And fortune
favors those who are prepared.

Reader
Feedback: "I recently read your book …"

Dear
Michael Masterson,

I
recently read and enjoyed your book Automatic
Wealth for Grads … and Anyone Else Just Starting Out..
I have taught at the college level full- and part-time during
the past 25 years, and know it has the capability to really
make a difference in many young people's lives.

Sincerely,

Timothy
McCabe

Ithaca
, NY

(Ed.
Note: Here's your chance to tell Michael Masterson what's
on your mind. What's the single most useful piece of advice
you've discovered in Automatic
Wealth for Grads … and Anyone Else Just Starting Out ?
And how have you used it in your pursuit of wealth and success?
Let us know at MostPowerfulSecret@ETRFeedback.com … and
maybe you'll see your name in print in a future issue of
ETR.)

Reduce
Your Appetite and Lose Weight With More Protein

By
Jon Herring

There's
a good reason why higher-protein diets have become popular
for fat loss. It's because they work. Protein helps increase
your metabolism, it replaces excess carbohydrates, and
it even helps you consume fewer calories.

In
a study published in the American Journal of Clinical
Nutrition , researchers at the University of Washington
showed that an increase in dietary protein from 15 percent
to 30 percent (of total calories) helped to reduce overall
caloric intake and resulted in "significant weight
loss." In other words, by increasing the amount of
protein in their diet, the test subjects were more satiated
and consumed fewer calories.

By
controlling your appetite with protein, you'll be better
able to stick to your nutrition plan. And that's more than
half the battle when it comes to losing fat. So plan your
meals and snacks around a healthy source of protein (think
wild fish, grass-fed beef, free-range chicken, organic
dairy, eggs, nuts, and beans). It will help to keep your
appetite down and your energy up.

Does
Doing What You Love Mean Money Will Automatically Follow?

By
Matt Furey

You've
probably heard the saying, " Do what you love and the
money will follow ." Sometimes, it's true. At other
times, it is horribly wrong. You may love to meditate upon
your navel – but that won't bring riches unless or until
you organize a program based on information about this very
act, develop a marketing vehicle for the information to ride
in, then magnetize a lot of people with your advertising
who are willing to buy what you are promoting.

Truth
is, you will greatly increase your odds for success when
you put together information that both you and a lot of other
people love. But if you are only one of a handful of people
who can relate to your love, then "Sorry, Charlie -
no riches for you."

My
advice for people who want to make a fortune via the creation
of a book or program has two steps: (1) Make a list of everything
you know how to do and like to do. (2) Then check to see
how many of the things you like to do (or love to do) have
products in the marketplace that are selling extraordinarily
well.

If
you find that what you love is already selling, there's probably
room for more. If what you love is not selling at all – chances
are excellent that there isn't a market for those products.

Now,
there are always exceptions. In certain respects, my book, Combat
Conditioning, was a pioneering work. The
book teaches nothing but bodyweight exercises. No weights.
No cardio. But the truth is, there were other bodyweight
programs already on the market. After all, what do you think
yoga is? However, none of the available books had the unique "combat" angle
I used – and none of them taught the routine that my book
espoused.

My
first book, The
Martial Art of Wrestling , was
a "labor of love." It was a book I was FAR more
passionate about than Combat
Conditioning. But upon publication of my
wrestling book, I discovered a distressing fact: Wrestlers,
by and large, don't read books about wrestling. Fitness fanatics,
however, cannot read too much about getting fit. Regardless
of how in-shape they already are, they want more.

There's
a HUGE lesson in this, don't you think? I learned it the
hard way. Hopefully you won't have to.

Notes
From Michael Masterson's Journal: Teen Sex and the Media

Teens
who are exposed to sex on television and in magazines and
newspapers are twice as likely to have it as are teens who
have minimum exposure to sex. That's the "surprising" conclusion
of a new study of 1,000 teens published in Pediatrics magazine.

Another
shocking conclusion: Teenagers are less likely to have sex
if they feel their parents disapprove.

K
and I have friends who, when their children were in their
early teens, seemed to like the idea that their children
were capable of or about to engage in sex. They talked proudly
about their girls' physical maturation (as if it were something
that had been accelerated by their good parenting) and encouraged
their teen children to date.

We
took (I should say, K took. She has been completely in charge
of the kids since day one) a more traditional approach: "Not
here. Not now. Not ever, if I have anything to say about
it!"

And
we limited our children's exposure to media sex by limiting
their exposure to the media. We have never had a television
in our home and didn't allow either of the older two boys
an in-room computer. (Though Number Three Son has been spoiled
in this last regard.)

Our
children got through their teenage years without pregnancy
or venereal disease. But so did the children of our liberal-leaning,
media-indulgent friends. All of our children seem pretty
okay about sex. In fact, they all seem to have healthy (i.e.,
moderate and well-adjusted) sex lives – at least as far as
I can tell.

It
may be that the children of our friends – exposed as they
were to more media sex and abetted by the tacit approval
of their parents – did have more teenage sex than our boys.
But as they matured, I can't say that our kids were better
off because of our strictness.

Still,
I wouldn't do it any other way. And neither would K. When
Number One or Two Sons come to visit with their respective
girlfriends, they sleep in separate rooms … and that will
continue until they get married.

*
Advertisement *

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Your Own Boss

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way to making upwards of $100,000 per year! That's how long
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Word
to the Wise: Irrefragable

Something
that is "irrefragable" (ih-REF-ruh-guh-bul)
is impossible to refute. It is derived from the Latin for "not
to oppose."

Example
(as used by Sir Henry Bessemer – the man who developed the
first process for mass-producing steel inexpensively – in
his Autobiography ): " I
had the most irrefragable evidence of the absolute truth
and soundness of the principle upon which my invention was
based."

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

Are
you having trouble receiving Early to Rise messages?

Ensure
that Early to Rise gets delivered to your email box,
click below:

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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

_____

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

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Processing Center
Attn: Customer Service
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_____

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.

www.EarlyToRise.com

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Archive for May, 2006

The Best Exercise Routine Ever, Part 2

The "Sweet Spot" – Making More Money From The Same Investment

Today's Action Plan

By Justin Ford

The Newest "Creative" Lending Caters to Keeping Bubble Prices Afloat

Today's Action Plan

* Highly Recommended *

Highly Recommended

Today's Action Plan

How to Sell to the Small-Business Owner

Cash Monthly

Cash Later Takes Care of Itself

Today's Action Plan

A New Male Health Discovery Never Before Published In Any Medical Journal Or Health Book

Today's Action Plan

You Have 'em Cornered. Now's the Chance to Get Some Answers!

Today's Action Plan

Today's Action Plan

Event Promotion: A Great No-Capital-Required Business

Today's Action Plan

Worth Quoting: Michael Masterson on starting your own business when you're young …

High-Tech Relief for Repetitive Stress

How Being a Good Listener Can Make You a Better Marketer

Reader Feedback: More Gospel on the Gospel

Einstein would be running a hedge fund!

Today's Action Plan

More Passive Income In a Single Month

Today's Action Plan

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The
Best Exercise Routine Ever, Part 2

The "Sweet
Spot" – Making More Money From The Same Investment

By
Justin Ford

The
Newest "Creative" Lending Caters to Keeping Bubble
Prices Afloat

Today's
Action Plan

Today's
Action Plan

How
to Sell to the Small-Business Owner

Cash
Monthly

Cash
Later Takes Care of Itself

Today's
Action Plan

You
Have 'em Cornered. Now's the Chance to Get Some Answers!

Today's
Action Plan

Today's
Action Plan

Event
Promotion: A Great No-Capital-Required Business

Today's
Action Plan

Worth
Quoting: Michael Masterson on starting your own business
when you're young …

High-Tech
Relief for Repetitive Stress

How
Being a Good Listener Can Make You a Better Marketer

Reader
Feedback: More Gospel on the Gospel

Einstein
would be running a hedge fund!

Today's
Action Plan

More
Passive Income In a Single Month

Today's
Action Plan