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

www.earlytorise.com
Message #1808
Tuesday, August 15, 2006

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Real Audio? Get it here for free

WEALTHY:
Can Colin do what it takes to get rich? (Michael
Masterson)

HEALTHY:
Why this group of seniors is living longer

WISE:
Lester Bowie on establishing yourself on the Internet

ALSO
IN THIS ISSUE:

10
ways to compete with The Big Boys online

The
(nearly) foolproof proof (Will Newman)

Add "pejorative" to
your vocabulary

* Highly
Recommended *

Become
a Marketing Genius in 30 Days

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are no profits without sales, no sales without customers, and
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While
many new entrepreneurs rush off to obtain a business license
or a tax ID number … or to set up an office, order stationery
and business cards, and take care of a number of other mundane
details first … the experts from Early To Rise believe in
the "ready, fire, aim" start-up philosophy.

Click
here for all the details on ETR's The Instant Entrepreneur's
Business Start-up System.

-
Patrick Coffey

Dear
Michael Masterson: "What's a reasonable wealth goal
for someone my age?"

"Thank you for the great encouragement ETR is becoming
to me. I am 45 and live in Australia. Please could you give some
guidelines as to what would be a reasonable wealth goal for someone
my age? I have about $200,000 equity in my house and no savings."

Colin McFerran
Brisbane, Australia

Dear Colin,

Your wealth goal is up to you. Anything between a million and
50 million seems reasonable to me, given your age and financial
situation. It depends on what you are willing to do.

Are you willing to work 16 hours a day for the next 10 years
and then slow it down to eight hours a day for the following
10 years?

Are you willing to devote four to six of those 16 daily hours
to starting your own business?

Are you willing to spend another hour or two a day developing
a financially valuable skill?

Are you willing to give up television? And are you willing to
think about business when your family is watching television?

Are you willing to become a master of marketing?

Are you willing to improve your negotiating skills?

Are you willing to ask yourself, every time you spend money, "Is
this making me richer or poorer?"

Are you willing to take responsibility for where you are now
– and for your future?

It's all up to you, my friend. And the very best way for you
to get started – since you are 45 years old and don't have 30
or 40 years to reach your goal – is to order a copy of my new
book Seven Years to Seven Figures (which addresses your concerns
exactly) when it is published this fall.

In the meantime, do this (if you are serious about building a
seven-figure net worth):

1. Get up an hour earlier every day.
2. Devote that hour to doing something that will make you richer.

For the time being, "doing something that will make you
richer" may mean reading everything you can get your hands
on. Later on, it will include creating lists of contacts, writing
and phoning people, and setting specific goals and following
them.

If you don't already have copies of Automatic
Wealth and Automatic
Wealth for Grads…and Anyone Else Just Starting Out, order
them now.

Write back after you've read Seven Years to Seven Figures …
and tell me what progress you've made by then.

-
Michael Masterson

"You
can establish a presence on the Internet. You can have
just as much of a presence as a major company or anyone
else."

-Lester
Bowie

How
to Build Your E-Mail Subscriber List Quickly and Easily

By Patrick Coffey, ETR's Internet Marketing Manager

If
you're interested in making money on the Internet, there's
one simple skill you absolutely, positively must excel in …

Collecting
lists of e-mail addresses for qualified prospects.

Once
you can do that (and today I'm going to show you how), you
immediately have an incredibly valuable asset: a database of
potential customers you can market to, as often as you like,
for almost zero cost.

Having
an in-house e-mail subscriber list gives you access to an ongoing
conversation with people who like and trust you. They have
asked you (opted in) to send them specific information that
will enhance their life or business in some way.

When
someone asks you to send him information on a regular basis,
he's much more receptive to your sales pitch or marketing promotion.

Here
Are the Top 10 Ways to Build an E-Mail Subscriber List:

1.
Purchase advertising in e-mail newsletters, e-zines, discussion
lists, and blogs that have a similar audience.

This
is typically the last place entrepreneurs will go because
of the expense. But you can reach tens of thousands, and
even hundreds of thousands, of targeted subscribers instantly
for only a few hundred dollars. Publishers are often eager
to work with people who pay in advance for advertising.

2.
Write articles.

Writing
articles that are published to a large targeted audience
is a great way to obtain new subscribers. Simply include
the URL to your sign-up page at the end of your articles.
You can submit your articles to article directories, article
announcement lists, and the GoogleBase. Publishers are always
looking for articles to run in their e-zines, websites, and
newsletters.

3.
Submit your e-zine, discussion list, newsletter, or blog
into the top search engines and directories.

If
you don't have a Web page devoted to your publication and
the opt-in process, it won't get crawled by the top engines.

4.
Use e-zine announcement lists to promote your e-zine.

E-zine
announcement lists give you an easy way to promote your e-zine
on an ongoing basis. Most of them are free, but the best
ones charge a small fee and reach a much larger, targeted
audience. A couple of the better announcement lists are Ezine-Universe,
SparkList, and List-A-Day (which is a review site). You can
find hundreds of others by searching Google.

5.
Swap ads with other e-zine and newsletter publishers.

This
usually only works if you have something of value to share.
If you have less than 1,000 subscribers on your list, ad
swapping won't appeal to most publishers. But you could provide
articles, content, research, or some other needed service
in exchange for promoting your publication and sign-up page
to their audience.

6.
Create an e-book and use it as a bonus for subscribing
to your publication.

This
is one of the most overlooked areas for building an e-mail
list. An e-book can be a few pages or up to a couple of hundred
pages (or more). But an e-book has a high perceived value
– especially if it's written "on demand" or addresses
a hot current topic or idea. You can distribute your e-book
free of charge across the Internet or on sites like ClickBank,
with a view to increasing the size of your subscriber list.
Be sure to include your opt-in page URL throughout the e-book.

7.
Swap recommendations with other e-zine publishers.

Advertorials
are hot! You could recommend another publisher's e-zine in
your own words to your subscriber base in exchange for them
doing the same for you. This becomes an even greater tool
when your subscriber lists are in the tens or hundreds of
thousands.

8.
Post a sample issue of your e-zine, newsletter, or discussion
list on your site or with an autoresponder.

Sample
issues are a great way to build subscriber lists. If people
like what they see, they'll usually subscribe. You can submit
issues of your newsletter to the GoogleBase and other content
libraries.

9.
Use your signature file to promote your e-zine.

I
don't know how effective signature files really are, but
almost every publisher uses them. A signature file simply
promotes your e-zine on all of your outgoing e-mails. You
can also add these files to your posts to discussion lists
or online forums.

10.
Place free ads in other e-zines.

Many
e-zine publishers allow their subscribers to place free promotions
in their publications that they feel are of value to other
subscribers. Powerful ad copy is a must. Don't waste words.
A powerful promise and benefit with a link to your sign-up
page usually works fine.

An
Insider Secret for Building E-Mail Subscriber Lists Quickly
and Easily

Launching
a search engine or directory is one of the fastest, easiest,
and simplest ways of building an e-mail subscriber list. It's
also one of the most closely guarded secrets.

Think
about it.

People
submit their websites, articles, images, videos, and other
information into Internet search engines and directories without
hesitation. What's more, people are usually very receptive
during the submission process to receive additional information
if they think it will help their business or increase traffic
to their website.

So
it makes perfect sense to offer a newsletter, e-mail bulletin,
update, or e-zine that meets this demand.

For
example, MS developed a general-interest Internet search engine
that excluded adult-oriented websites. He figured that when
people submitted their URLs into a search engine, they might
be responsive to other methods and tactics to promote their
sites. So he launched an e-mail newsletter that's built around
search engine optimization, marketing, tactics, and promotion.

In
order to submit your website URL into MS's search engine, you
have to agree to a strict privacy policy (which clearly states
you will not send spam). Submitters also agree to receive a
weekly e-mail newsletter on Internet marketing tactics. At
last count, MS had more than 655,000 opt-in subscribers on
his list!

Launching
a search engine or directory is NOT as hard as it seems. A
search engine is simply a website with a database, coupled
with some type of searching technology (like Verity). If you
research the topic on the Internet, you'll be amazed at what
you'll find – and how easy it is.

The
bottom line is that people are much more receptive to "opt
in" to your newsletter or e-zine if you give them something
of value – like enabling them to submit their URL or website
information in a search engine or directory.

Another
insider method for building an e-mail subscriber list is to
launch an Internet search engine or directory and provide an
opt-in subscription box during the submission process.

Finally,
you can purchase opt-in subscriber lists from reputable, established
publishers and Internet entrepreneurs. The keywords are "reputable
and established." If a publisher has been mailing an e-mail
newsletter or e-zine to an opt-in subscriber list on a regular
basis for more than two years – in the industry, that would
be considered "established."

But
a word of warning with regards to buying opt-in subscriber
lists: You might want to include an addendum that stipulates
mailing to the list for three months before any agreement is
final. This will protect you should the majority of the addresses
be undeliverable and/or everyone decides to opt out.

There
you have it – the best ways to build an e-mail subscriber list
quickly and easily.

[Ed.
Note: Join Patrick, Michael Masterson, and an elite team of
the nation's leading online marketing experts this October
at ETR's Info
Marketing Bootcamp: Making a Fast Fortune on the Information
Revolution . Come with an idea for your start-up business
or existing business ... and leave with a rock-solid marketing
plan for transforming that idea into a lasting stream of income.]

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Stay
Active and Live Longer

By
Jon Herring

Get
up off the couch – and add years to your life. A new study
published in the Journal of the American Medical Association
shows that you can reduce your risk of death by 50 percent,
just by staying active as you age. Even walking for 15 to 20
minutes once or twice a day helps. The added challenge to your
heart and lungs will extend your "healthspan" even
further.

Researchers in the study followed 302 men and women ages 70 to
82 for six years. The mortality rate was 12 percent for the active
group, compared to 24 percent for the less-active group. Not
surprisingly, the active group climbed more stairs than their
sedentary counterparts. Most striking was the revelation that
many of the health benefits enjoyed by these seniors were the
result of simply continuing to do ordinary daily chores as they
aged – like gardening, grocery shopping, and washing the dishes.

Quick
Tip: Proofreading for Perfection

By
Will Newman

It's
not easy to proofread your own writing. It seems that no matter
how hard you try, there are always two or three embarrassing
typos or errors that evade you.

While
there's no foolproof way to proofread, here's a five-step technique
from AWAI that has worked for many. Use it whenever it's important
to you to produce a really clean (i.e., professional) piece
of writing for a boss, client, or editor.

1.
Before you print your document, run the spell-checker. But
do not depend on it. The spell-checker doesn't catch everything.

2.
Print out a copy of your file and proofread it. (It's easier
to find mistakes in print than on-screen.) Make the corrections,
then print two copies of the corrected file. Put it away
for several days … even a week. (The longer, the better.)

3.
After letting the document "rest," have a friend
read it aloud to you while you follow along on your own hard
copy. Do NOT try to follow along on the monitor.

4.
As you follow along, you'll spot typos and errors more easily
than if you read it by yourself. Mark them on your copy.
Also mark any spot where your partner misreads a word or
stumbles. That might indicate a place where your words don't
flow as well as they should. (Something you can check out
and fix later.)

5.
Make this second round of corrections, and (if you have time)
run your document through the process once again.

[Ed.
Note: Will Newman is editor of AWAI's The
Golden Thread online newsletter - a free weekly alert loaded
with writing and marketing secrets, tips, and insights.]

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Word
to the Wise: Pejorative

"Pejorative" (pih-JOR-uh-tiv)
means tending to disparage or belittle. It is derived from
the Latin for "to make worse."

Example
(as used by Michel Marriott in The New York Times): "While
he said that he is not a 'fanboy,' mildly pejorative slang
for an aggressively obsessive 'Star Wars' fan, he did mention
that the John Williams 'Star Wars' theme was played at his
wedding reception two years ago."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at http://speakoutforum.com/forum/ or
send questions directly to Support@EarlyToRise.Com

ALL
CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS
DOCUMENT IS PROHIBITED WITHOUT THE EXPRESS WRITTEN
CONSENT OF EARLY TO RISE. Protected by U.S. Copyright
Law {Title 17 U.S.C. Section 101 et seq., Title 18
U.S.C. Section 2319}:

Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are
you having trouble receiving Early to Rise messages?

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

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.

www.EarlyToRise.com

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

www.earlytorise.com
Message #1806
Saturday, August 12, 2006

Need Real Audio? Get it here for free

WEALTHY:
A sneak peak at your broker's track record (Rick Pendergraft)

HEALTHY: "Chair" exercise

WISE:
Al Bernstein on success

ALSO
IN THIS ISSUE:

Picture
this (Clayton
Makepeace)

Guilt-free
charity (Michael
Masterson)

Add "mendicant" to
your vocabulary

* Highly
Recommended *

Make
An Investment In Yourself…

Today,
I'd like to tell you about the easiest way to immediately advance
your career — no matter what field you work in.

In
fact, you could add anywhere from $25,000 to $50,000 to even
$100,000 a year to your salary right now – and it wouldn't
involve changing careers, starting a business or going back
to school.

At
the same time, you'd also be joining the ranks of a prestigious
organization of professionals that earn executive-level salaries
every year without ever asking for a raise, without ever having
to count on that elusive 'big promotion' to boost their incomes.

Sound
crazy? I might have thought so too… except I have a friend
that did exactly that.

-
Patrick Coffey

Are
You Following the Wrong Recommendations?

By
Rick Pendergraft

Every
day, brokerage firms all over the world bombard investors with
recommendations. A good one could add a bundle to your bank
account, but a bad one could erase your balance in an instant.

So
how do you know which ones to pay attention to?

The
folks at Zacks Research have a simple tool to help you out.
They compile a list of the top-performing brokerage firms and
how their analysts' recommendations have done against the S&P
500 in the past one, three, five, or seven years. For example,
the following table shows the performance of 12 firms in the
first quarter of this year and over the past three years.

Brokerage
Performance

Broker
Name

1st
Q 2006

3
Year

MORGAN
KEEGAN

22.24%

NA

SMITH
BARNEY CITIGROUP

8.65%

31.93%

RAYMOND
JAMES

8.50%

24.85%

BEAR
STEARNS

8.08%

20.16%

GOLDMAN
SACHS

7.98%

37.44%

CHARLES
SCHWAB

7.24%

32.76%

MORGAN
STANLEY DW

4.78%

27.53%

CREDIT
SUISSE FB

4.58%

23.59%

MERRILL
LYNCH

4.34%

22.25%

EDWARD
JONES

3.19%

17.87%

A.G.
EDWARDS

2.88%

20.99%

BANK
OF AMERICA

-2.83%

21.31%

S&P
500

4.21%

0.20%

As
you can see, Edward Jones has the worst three-year record,
and Bank of America is by far the worst when it comes to recommendations
made this year. That should make you think twice about taking
either firm's advice.

Next
time you are thinking about jumping on a stock because a major
brokerage firm just upgraded it to a "buy," you might
want to check the firm's performance record on the Zacks Research
website. You could save yourself a big chunk of money.

[Ed.
Note: Options expert Rick Pendergraft is ETR's newest financial
editor. His market insights have been seen in USAToday, Forbes, The
New York Times, and many other publications.]

"Success
is often the result of taking a misstep in the right direction"

-Al
Bernstein

You're
a Success!

By
Clayton Makepeace

Last
week, my copywriter friend was a basket case – and it was my
fault. She had submitted a draft of a sales letter to me for
review. She was proud of it, and expected me to tell her that
I was thrilled and impressed and sure that the client would
be blown away.

But
although most of the copy was excellent, she had failed to
clearly establish her main theme or carry it through (no clarity
of vision) … her tone wasn't quite right in spots … and
the organization left a lot to be desired.

I
sent her a nice note, giving her my suggestions for sharpening
the copy. I complimented the "good" parts, but told
her that the copy still had a way to go before she could show
it to the client. And I did my best to be encouraging and to
motivate her to put in this last bit of effort to really make
it shine.

I
was, as it turns out, a miserable failure.

A
couple of days later, I called to see how her next draft was
coming along. "Terrible. I'm completely blocked. I just
can't get going."

I
spotted the problem immediately. I've been where she was a
thousand times…

While
she was writing her first draft, she was excited about the
project. She was playing with mental images of how the client
and I would be awed by her creativity, her consummate skill,
and her ability to deliver grand-slam copy on a tight deadline.

She
envisioned the copy sailing through the production process
… being mailed … and producing heretofore unimagined response
rates. She imagined her new "control" becoming the
talk of the industry … held up as the ultimate example of
what direct-response copy should be. And, who knows … maybe
even an award. Would a tickertape parade in her honor be too
much to ask?

But
when I burst her bubble, she suddenly had a very different
set of mental images to deal with.

Now,
as she returned to work on the project, she felt as though
she had let me down. She was embarrassed … disappointed …
perhaps even a little resentful of my lukewarm response to
her copy. She was nearly obsessed with the fear that the client
would go ballistic over the blown deadline.

And
because (like most of us), she has a belief filter that says "I
don't deserve my success. I'm a fraud, and someday the world
is going to find out what a phony I am" … these thoughts
blew the lid off a Pandora's box of negative emotions within
her.

As
bad as all of that was, she was now imagining presenting her
next draft and getting another lukewarm response and blowing
yet another deadline.

No
wonder she wasn't enjoying her work. No wonder she found it
impossible to focus on ways to strengthen the copy.

The
good news is, an hour and a half later I had helped her discard
most of her negative feelings about the job and had given her
a whole new positive set of mental images to work with. She
happily went back to work, producing what I'm sure will be
a draft that will knock everyone's socks off.

The
Moral of the Story

This
type of thing happens to everyone. You start a new project
completely pumped … only to be sidelined by the first sign
of a setback. Multiple setbacks in a short period of time frustrate
you, and then render you completely immobilized. Fear of failure
locks you up tighter than a drum.

I'm
sure you've been in a situation like this at one time or another
in your career. I know I have.

Here's
how to overcome the setbacks and keep yourself moving in the
right direction …

As
you work, never take your eyes off the prize. Visualize success
at every step of the process. Believe it will happen … and
then achieve it.

In
the case of my copywriter friend, here is what I had her do:

Fantasize
how she'll feel when her client calls to rave about her first
draft. Imagine the client calling to say that her copy blew
the doors off his control … that he's dropping three million
pieces next month … that he's mailing her $90,000 royalty
check today … that he'd like three more packages from her
– and that, if she'll just say "yes," he'll rush
another fat advance check to her right away.

Then
I had her picture how she'll feel when she finds that money
in her mailbox … how she'll proudly show it to her astonished
and delighted significant other … and how she'll chuckle
at the bank teller's amazement when he sees the amount on the
deposit slip.

Today's
Action Plan: Sit back, relax and paint a vivid mental picture
of yourself achieving your goal. Visualize success and everything
that comes along with it. See yourself wowing the client, welcoming
customers into your newly opened business, or sitting in your
brand-new corner office. Go so far as to spend the money in
your mind … envisioning the fabulous new car you'll buy or
the luxurious vacation you'll treat yourself to. Or maybe simply
the freedom from debt and worry.

That
should get you back on track and one step closer to achieving
the success you deserve.

[Ed.
Note: Master copywriter Clayton Makepeace helps his readers
reap maximum profits through the Internet, direct mail, and
print advertising every week in his free e-zine, The
Total Package. To learn more of Clayton's success secrets,
and to discover better ways to attract customers to your product
or service, make sure you sign up for this year's Information
Marketing Bootcamp.]

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Challenging
Your Mind Is Good for Your Body

By
Suzanne Richardson

Want
to improve your mind and body at the same time? Pull up a chair
and get to work on a crossword puzzle. You'll burn one and
a half calories each minute that you're thinking hard. (That's
compared to burning four calories per minute while walking
or 10 calories per minute while doing something more strenuous,
like kickboxing.)

According
to neurologist Harry Chugani of the Children's Hospital of
Michigan, the harder you're thinking, the more fuel (in the
form of glucose) your neurons need in order to function.

"The
more energy an area of the brain wants, the more glucose that
part of the brain will break down," Chugani told Popular
Science magazine. "If you're thinking really hard and
really struggling with your thoughts, the neurons in the frontal
lobes of your brain will be burning a lot more glucose.

So
lose yourself in your Kakuro puzzles for an hour or two or
ponder a philosophical riddle, and be confident that you're
doing something good for your brain … and your health.

Notes
From Rome: More Thoughts on Giving

By
Michael Masterson

In
Paris and Rome, a stroll around the city often involves walking
by (and sometimes stepping over) mendicants. Even if you have
a hardened heart, it's hard not to feel some pity for those
miserable souls who have so little and for whom a dollar or
two would mean so much.

The
problem with giving beggars money, of course, is that it encourages
more begging. That's bad for the beggar, because it makes him
weaker. And it's bad for the city, because, if the begging
gets too intrusive, it scares away tourists.

In
Baltimore, the beggars have become very sophisticated about
how they go about getting their money. Rather than sitting
humbly on the sidewalk with palm outstretched (as they do in
Europe), they boldly approach you with a story about how they
need four dollars and thirteen cents to buy a bus ticket to
visit a sister in Philadelphia. "If you give me your name
and address," they'll tell you, "I'll be glad to
send you the money when I get to my sister's house in Philly."

In
New York, they are sometimes funny. I was told by a well-dressed
bum recently: "Hey, can you give me five bucks? I'm not
going to spend it on food. I just want to buy some drugs."

The economist in me wants to give beggars nothing but a lecture.
But the giver in me remembers Christ's reminder: Blessed are
the poor.

Longtime
ETR readers know that I came up with a solution to this dilemma
several years ago. I decided I would give to no one except
those who are missing limbs. That way, I figured, I wouldn't
be encouraging more beggars. I would have to give less frequently
… but when I gave, I could give something substantial.

I
am happy to report that my system is working very well in Europe.
On a typical three-hour trek with K, we pass about three dozen
beggars and one person without a limb. I am able to walk by
the ordinary beggars without the slightest twinge of guilt,
because I know that I will soon be solicited by someone who
meets my strict criteria.

In
front of the Pantheon, a teenage boy was hobbling on crutches.
But his limbs were intact and, upon closer inspection, it appeared
to me that he was probably faking it. A minute later, across
a little piazza, I saw a man on crutches, his leg amputated
just below the knee.

He
was mildly surprised to see how far out of my way I went to
reach him. And he was very pleased when he saw the size of
my contribution to his day's collection. "Thank you," he
said. "Mille grazie."

"You
are very welcome," I replied, feeling pretty good about
how the day was going.

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Word
to the Wise: Mendicant

"Mendicant" (MEN-dih-kunt)
is another word for "beggar."

Example
(as I used it today): "In Paris and Rome, a stroll around
the city often involves walking by (and sometimes stepping
over) mendicants."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at http://speakoutforum.com/forum/ or
send questions directly to Support@EarlyToRise.Com

ALL
CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS
DOCUMENT IS PROHIBITED WITHOUT THE EXPRESS WRITTEN
CONSENT OF EARLY TO RISE. Protected by U.S. Copyright
Law {Title 17 U.S.C. Section 101 et seq., Title 18
U.S.C. Section 2319}:

Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are
you having trouble receiving Early to Rise messages?

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

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

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

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

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

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

www.EarlyToRise.com

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

www.earlytorise.com
Message #1804
Thursday, August 10, 2006

Need Real Audio? Get it here for free

WEALTHY:
The hype about SIPE (Paul Lawrence)

HEALTHY:
How long will you live? (Dr.
Al Sears)

WISE:
Norman Augustine on getting loans

ALSO
IN THIS ISSUE:

Who's
watching? (Michael
Masterson)

4
ways to beat the heat

Add "puissant" 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

"It's
easy to get a loan unless you need it."

-
Norman R. Augustine

Raising
Capital for Your Small Business

By
Paul Lawrence

The
28-year-old man was in a difficult financial predicament. He
had an idea for a business … but he had no money in the bank,
no job, and a general track record of failure.

The
odds of getting the tens of thousands of dollars in capital
that he needed would've seemed "slim to none." Yet
within 10 days of his formulating his concept for the business,
an investor had put in the money. And he was earning a healthy
profit in less than 30 days.

As
you might've guessed, the man I'm talking about was me.

Armed
with a new plan to reverse my dismal position in life, I decided
to start a snack-vending business. Not surprisingly, people
weren't banging down my door to give me a loan.

Fact
is, if you have a great business idea but don't have your own
capital … or excellent credit … or collateral to secure
a bank loan … your choices are limited.

Yes,
some venture capital firms will invest in new businesses, but
such businesses are usually involved in technology or some
other high-growth area. Frankly, for most small businesses,
venture capital isn't even an option. It's rare for a small-business
concept to have the kind of mammoth payoff venture capitalists
look for.

Plus,
the cost of doing business with these companies is high. It's
basic economics. Their risk is high, so their reward must also
be high. Even if you were to interest a venture capital company
in your business, you'd be aghast at what they'd want in terms
of their ownership position.

So
if you forget about commercial bank loans and venture capitalists,
you're left with only a few ways to fund your small business.
One of the best is to find a business partner.

Now,
when I say "find a business partner," I'm not talking
about pleading with your parents to get a second mortgage on
their home or twisting the arm of a lifelong friend who always
said he'd do "anything" for you. (Although, if you
do have affluent family members or friends who might want to
invest in your business, you should certainly pursue that possibility.)
I'm talking about hooking up with someone who is willing and
able to invest in your business in return for a share of the
profits.

Seeking a small-business partner is not much different than seeking
a small-business loan.

"To
be successful in obtaining a loan," the U.S. Small Business
Administration tells us, "you must be prepared and organized
when making your request. You must know exactly how much money
you need, why you need it, and how you will pay it back. You
must be able to convince your lender that you are a good credit
risk. All the same holds true in seeking out a small-business
partner to invest in your business."

As
most everyone knows, small businesses have an abysmal failure
rate. According to Business Week Online, "64.2 percent
of businesses fail in a 10-year period." No wonder potential
investors tend to be so skeptical of a new business's chances
for success!

When
I wanted to enter the snack-vending business, I needed capital
to purchase the machines. To overcome the understandable reluctance
an investor/partner might have, I used some strategies that
I have since developed into a technique I call "SIPE" -
which stands for Solicit, Interest, Persuade, Execute.

With
the SIPE strategies, I quickly and easily found a former co-worker
who was eager to be my partner.

Here's
how you can use SIPE to find and solidify your partnership:

1.
Solicit: Present the hypothetical possibility of a future business
opportunity.

Casually
ask your prospective partner, "If I happened to come across
an interesting business opportunity, would you be interested
in hearing about it?"

It's
important to note that you're not asking her if she would invest
in a business, but if she'd like to hear about potential opportunities.
Since she won't feel that she's being pressured, it's more
likely that she will give you a positive response.

You
also immediately rule out people who have no interest in any
business proposals … without putting them (or you) in an
uncomfortable position regarding your project. In my case,
I mentioned to my former co-worker that I was planning to start
a small business, and asked if he wanted to be kept in the
loop during the process. He readily agreed.

2.
Interest: Give your prospective partner a one-sentence description
of your business.

A
long-winded explanation can sound like you don't have confidence
in your business idea or that you don't really know what you're
talking about. So keep it short and to the point.

You
then follow up with a couple of supporting statements that
provide strong reasons to believe your business idea is viable.
In the case of my vending-machine business, I used the example
of a friend of mine who, with no experience in the business,
was able to start a profitable 10-machine route.

3.
Persuade: Use statistics and estimates to convince your prospective
partner that your business is a good investment.

Your
persuasion efforts will have two goals:

First,
to prove the substantial profit potential.

While
you don't necessarily need a fully detailed business plan,
you should be able to offer some basic numbers. For example,
you could estimate your gross revenues for the first year
and provide some reasonable basis for the estimate. Then
offer a reasonable estimate of your expenses. If it adds
up to a healthy estimated net profit, you're off to a good
start.

Second,
to demonstrate the low-risk factor.

Although
you can't ethically or legally guarantee that an investor
won't lose her money, you can explain why there is a good
chance she won't lose it. Your evidence could include industry
growth statistics, a sound marketing plan that will allow
you to swiftly capture market share, and examples of similar
successful businesses.

In
my case, I created a profit projection sheet that broke down
the revenues and the costs of the business. I then cited specific
suppliers who sold the products we'd need and provided several
examples of local entrepreneurs who were successful in the
snack-vending business.

4.
Execute: Turn a discussion into an actual business deal.

Once
my co-worker indicated that he was interested in investing
in my business, I suggested we have another meeting to formulate
a deal. I arrived at that meeting prepared with a "deal
memo" – a basic outline of our understanding. The main
reason to have a deal memo is so that, in the future, there
will be no debate as to what was originally agreed to. If your
deal is large or complicated, you may want to have a formal
partnership contract. But in many cases, a deal memo clarifies
the terms of the agreement and is strong enough to be legally
enforceable.

In
my 15 years of being successfully self-employed, the great
majority of my partners have profited from our ventures. There
are certainly risks involved in investing in any small business.
But if you have a solid business opportunity to offer, you'll
likely be able to structure a "win-win" situation
for both you and your partner.

[Ed.
Note: Paul Lawrence 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.

Paul's
SIPE technique is just one of many ideas you'll find - explained
in detail - in his Raise
Money for Your Business.]

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Recommended *

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Notes
from Rome: Keeping People Honest

By
Michael Masterson

We
met TN at the American Academy, which crowns one of Rome's
seven hills. It's an impressive campus, with several large
buildings and gardens. TN, a Rome Prize winner, is spending
two years there as a fellow, working on an archeological project
in Sicily. She showed us around, including the room she sleeps
in. It has a small bathroom, a bed, a table, and a window overlooking
a courtyard. Her office is in another wing of the building.
There, she has a desk, another table, and shelves overflowing
with books on art and archeology.

It
all seems very romantic – being off on your own like that,
surrounded by intellectuals and artists in a beautiful setting
in one of the world's greatest cities. Of course, there are
problems. No air conditioning, for one. But TN is used to that.

And
then there's the matter of the disappearing food …

 "We
– the fellows – share a common kitchen," she told us. "And
a few months ago, people started complaining that things were
going missing." Sometimes it was a container of yogurt.
Once it was a half-eaten sandwich. Then TN realized her coffee
beans were disappearing at an alarming rate. Though they've
put up signs, the food keeps disappearing … and they don't
know what to do about it.

TN's
predicament reminds me of a study about honesty I read recently.

People
are more honest, it seems, when they feel like they are being
watched. Studies have shown that people are more likely to
lie when on the telephone than during face-to-face conversations.
And they are even more honest when the observer isn't human.

Researchers
at Newcastle University in the United Kingdom conducted the
study in a school cafeteria. Drinks were freely available on
a table. Beside the drinks was an "honesty box." Behind
the box was a sign asking students to deposit a certain amount
of money for each drink they took.

The
sign displayed a photo. On alternate weeks, the photo changed.
One week, it was flowers. The next week, a pair of eyes. After
several weeks in several locations, the calculations were made
– and the poster with the eyes on it had driven in almost three
times as much money as the one with flowers.

I
think I'll suggest to TN that they make that little change
to their signs … and see what happens.

Is
Your Lifestyle Killing You?

By
Al Sears, MD

The
average life expectancy in the U.S. today is 76 years. Depending
on your lifestyle, you may go well beyond that. Here's a little
test to give you an estimate of your expected lifespan. You
start with the number 76, and add or subtract from that average.

Exercise:
Do you exercise vigorously at least three times a week? If
you do, add 3 years to 76. If not, subtract 3 years.

Diet:
Do you avoid bad fats and processed foods and, instead, choose
lots of omega-3-rich fish and grass-fed beef? If so, add 2
years.

Weight:
Are you at a healthy weight? If you're overweight by 50 pounds
or more, subtract 8 years. Thirty to 40 pounds, subtract 4.
Ten to 29 pounds, subtract 2.

Blood
Pressure: If you know your blood pressure, add 1 year.

Drinking:
Do you have more than two alcoholic drinks (cocktails, beer,
or wine) a day? If you do, subtract 1 year. And for each additional
daily drink, subtract 2 more. (Remember what I said yesterday:
One to seven drinks a week is healthy – no more.)

Smoking:
If you smoke more than two packs of cigarettes a day, subtract
8 years. One to two packs a day, subtract 6. One-half to one
pack, subtract 3.

Driving:
Have you received a traffic ticket or been involved in a traffic
accident in the past year? If so, subtract 4 years. Other violations,
subtract 1. If you always wear your seatbelt, add one.

Working
vs. Retiring: If you are 65 or older and are still working,
add 3 years.

Relaxation:
If you take a relaxed approach to life, add 3 years. If you're
aggressive, driven, or anxious, subtract 3. And if you consider
yourself "unhappy," subtract another year.

Gender:
Since women tend to live longer than men, add 3 years if you're
a woman. If you're a man, subtract 3.

Age:
How long you've already lived matters. If you're between the
ages of 30 and 39, add 2 years. Forty to 49, add 3. Fifty to
69, add 4. Seventy or older, add 5.

Family
History: If any grandparent reached age 85, add 2 years. If
all your grandparents reached age 80, add 6. If one of your
parents died of a stroke or heart attack before the age of
50, subtract 4.

Based
on the above categories, determine what you need to work on.
Do you need to exercise more? Eat better? Lose weight? Just
because your father died from a heart attack doesn't mean that
is your destiny. You have information he may not have had.
Look at the diseases that run in your family and work to lower
your risk factors. You can start – today – to improve your
longevity by making positive changes.

(Resource:
The Longevity Game, by Northwestern Mutual Life Insurance Company)

[Ed.
Note: Dr. Sears, a practicing physician and the author of The
Doctor's Heart Cure and 12 Secrets to Virility, is a leading
authority on longevity, physical fitness, and heart health.
For more advice on how to stay active and mobile - far into
old age - pick up your free copy of Youth
Secrets.]

It's
Good to Know: What to Do When Temperatures Rise

By
Suzanne Richardson

The
U.S. isn't the only place feeling the burn this summer – the
Czech Republic, England, Poland, and France have all seen record-breaking
temperatures. And such hot weather is not only uncomfortable
– it can be deadly.

So
what can you do to keep yourself and your family safe from
the heat? Here are a few ideas from the Red Cross website:

When
temperatures reach 90 degrees, stay inside.

Wear
light-colored clothing when outdoors.

Drink
plenty of water and avoid alcohol and caffeine, which can
dehydrate you.

Try
to limit outdoor activities to the coolest part of the day
– between 4:00 and 7:00 a.m. (which shouldn't be hard for a
seasoned Early-to-Riser like you!).

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Word
to the Wise: Puissant

"Puissant" (PWISS-unt)
– from the French – means powerful, as a puissant prince or
empire.

Example
(as used by Richard Lingeman in The New York Times): "As
an upcoming young corporate lawyer in San Francisco in the
1930's, [Bartley] Crum tended the interests of some of California's
most puissant businesses, starting with William Randolph Hearst's
newspaper empire."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at http://speakoutforum.com/forum/ or
send questions directly to Support@EarlyToRise.Com

ALL
CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS
DOCUMENT IS PROHIBITED WITHOUT THE EXPRESS WRITTEN
CONSENT OF EARLY TO RISE. Protected by U.S. Copyright
Law {Title 17 U.S.C. Section 101 et seq., Title 18
U.S.C. Section 2319}:

Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are
you having trouble receiving Early to Rise messages?

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

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

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

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

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.

www.EarlyToRise.com

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

www.earlytorise.com
Message #1803
Wednesday, August 9, 2006

WEALTHY:
Why diesel is cleaning up its act

HEALTHY:
How the "telomere" keeps you alive (Dr.
Al Sears)

WISE:
James M. Baldwin on psychology

ALSO
IN THIS ISSUE:

Tell
your customers NOT to buy (Bob
Bly)

The
mysteries of the Roman economy (Michael
Masterson)

Add "errant" to
your vocabulary

*
Highly Recommended *

You
Can Import Goods From Overseas For Pennies On the Dollar!

It
may have been hard in the past for small entrepreneurs to import
cheap products from countries like China, but things have drastically
changed.

For
example, In 1986, total trade between the United States and
China was $7.9 billion. By 2005, this total has reached over
$170 billion, making China the United States' third largest
trading partner.

You
can't believe how easy this is. With the right information,
you just find products that cost a couple of dollars each and
sell them for 1000%+ mark-ups by the thousands with your own
Internet sites.

Please
click here to read this urgent report.

-
Patrick Coffey

ULSD:
A New Fuel That Could Drive Hefty Profits

By
Charles Delvalle

Diesel
has always been the "dirty fuel" no one cared about.
But thanks to new tax incentives, diesel is cleaning up its
act … and giving you a chance to add horsepower to your portfolio.

Diesel
fuel, which is heavier than regular gasoline, contains sulfur.
While sulfur is needed to lubricate a diesel engine part, sulfur
emissions are destructive to the environment.That's why the
U.S. has mandated the use of ULSD (Ultra Low Sulfur Diesel),
which has a mere fraction of the sulfur content of regular
diesel, but still enough to lubricate the engine.

In
an effort to spur a quick transition to cleaner-burning ULSD,
the government is providing a five cent per gallon tax break
to refineries that pump it out this year. For one refinery,
this will mean an extra $18 million at the end of 2006.

Once
these refineries collect on these incentives, their stock prices
are sure to follow – which makes this the perfect time to look
at some small-cap oil refineries. To find them, just go to
Yahoo's financial search and look for oil and gas refineries.

[Ed.
Note: Charles Delvalle is the Contributing Editor of ETR's Investor's
Daily Edge newsletter.]

"Like
all science, psychology is knowledge; and like science
again, it is knowledge of a definite thing, the mind."

-
James M. Baldwin

The
Takeaway Close

By
Bob Bly

One
of the best leads I ever read was in a small brochure created
by SW to promote his consulting practice. The brochure was
written in Q&A format, and began in this unforgettable
way:

Q: Why
should I hire SW?

A: Perhaps
you should not.

Whoa!
What chutzpah! "Perhaps you should not"? The nerve
of this guy! Who sells anything by telling you not to buy it?

Plenty
of smart marketers, it turns out.

Human
psychology is funny: The more you tell somebody they can't
or shouldn't have something, the more they want it. The technique
of applying this psychological principle to sales and marketing
is called "the takeaway close."

In
sales, it works this way: If the prospect is hesitant and you
are not getting anywhere, you start to pack up your sample
case, papers, or whatever, while telling him – in a serious,
sincere, even somber voice – "Maybe this isn't right for
you."

As
soon as you do that, most prospects will immediately say – "Wait,
hold on a minute!" – and ask you to continue your presentation,
much more interested than they were only seconds ago.

Seaman's,
a local retailer near my office in northern New Jersey, runs
radio commercials to announce sales using a variation of the
takeaway close. The radio announcer begins by thundering a
command to the listener: "DON'T buy furniture today …"

It
catches your attention, because you expect to be told to buy
… not to be told "DON'T buy."

He
then finishes the sentence: "DON'T buy furniture today
… wait until Saturday for Seaman's big half-price sale!"

Applying
the takeaway closing technique to your marketing is easy. Simply
adding the words "order today – supplies limited" is
often enough to get the phone ringing off the hook.

Or,
in a lead-generation campaign, change the phrase on your reply
card from "for more information" to "to find
out how you can qualify" – implying that receiving what
you are offering is not a sure thing, but only granted if the
prospect meets your criteria.

Another
variation of the takeaway close is used in ads for home-study
courses that offer a free booklet with a test to judge your
writing or artistic talent … implying that you can't take
the course unless you pass the test.

Remember,
people want what they can't – or think they can't – have or
get.

Time-limited
offers are yet another variation on the takeaway close. In
this case, the product or service is available … but only
if you buy now.

Direct
marketers know that, almost without exception, adding a time
limit or expiration date to a promotion lifts response rates.

In
service industries, telling prospects you can squeeze them
in a week from Thursday makes you seem desirable. On the other
hand, if you tell prospects "I can see you now," they
worry. Who wants to go to a professional who isn't in demand?

The
late Howard Shenson, a consultant and author, called this the
Busy Dr. Syndrome, noting that people want to do business with
those they consider to be busy and successful, not those who
seem desperate and in need of the work.

The
technique works in personal relationships, too. Singles who
date know that one way to attract the interest and attention
of members of the opposite sex is to play "hard to get" -
to make them call you, rather than you calling them. When in
pursuit of your soul mate, the worst strategy is to leave 48
messages on his or her answering machine. It demonstrates that
you are eager and needy, and makes the other person less interested
in you.

Why
does the takeaway close work? Why do people, upon hearing they
can't have something, want it more?

Perhaps
the motivator is scarcity, an imbalance in the supply and demand
equation. The shorter the supply of something, the more it
is valued. That's why gold has a much higher price than copper,
even though copper has many more practical uses.

Whatever
the reason, the takeaway close often works like gangbusters.

Today's
Action Plan: Increase your sales right now by putting
the takeaway close to the test. Tell half your inbound sales
leads that your product or service is available right away.
Tell the other half that it's not available until December
… but you MIGHT be able to slip them into the schedule
earlier. Then measure the closing rate between the two groups.
Let us know the results of your experiment by e-mailing us
at ReaderFeedback@gmail.com.
Include your name and hometown, and we may print your comments
in an upcoming issue of ETR.

[Ed.
Note: Learn much more from Bob Bly about how to market your
product or service at this year's Information
Marketing Bootcamp. And click
here to sign up for Bob's e-zine, The
Direct Response Letter.]

* Highly
Recommended *

Military
Man Makes Big Profit in Spare Time

"Your
lease/options course was extremely enlightening and one of
the best Investments I've ever made. In my spare time (I'm
in the military), I put together a deal that made me $4,500
cash + $260/month"

- Scott
Smith, Alaska

Learn
more about how
you can earn monthly rental income and large cash profits in
your spare time using this completely legal
but often overlooked strategy from nationally recognized attorney
William Bronchick.

Notes
From Rome: Who Pays for These Services?

By
Michael Masterson

After
our no-frills commuter flight from Paris to Rome, K and I were
eager to get into the nice, cool Mercedes sedan that she had
hired to take us to our hotel. But, alas, when we stepped from
the airport terminal into the bright sunlight, bags in hand,
there was no bright and shiny car in sight. In fact, there
were no grim and dirty cars either. Just an empty parking lot
and hundreds of people milling around, looking confused.

The
taxi drivers were on strike. And they weren't letting any private
limos into the airport.

Everyone
who had planned on taking a taxi or limo to the city had to
walk to the bus station, dragging their luggage, and fend for
themselves. The effort was made more difficult by the picket
lines of taxi drivers who were sunning themselves, drinking
beer, playing cards, and attacking any errant limo driver who
hadn't heard about the strike.

When
we got to the hotel, we asked how long the strike would last. "Oh,
you never know in Italy," the desk clerk told us. "They
wake up in the morning and they say, 'It's a good day to go
on strike. Sometimes they go back to work in the evening. Sometimes
they stay on strike for quite a while."

Fortunately,
Rome is a great walking city, and has a bus system that is
not only relatively easy to figure out, but also very inexpensive.

The
cost to go just about anywhere in the city is one euro. You
buy a ticket and then validate it by putting it into a little
canceling machine that is located on the bus.

According
to my sister, who lives in Rome, nobody does it. They just
hop on the bus and go. She tells me that every so often a policeman
will come on the bus and check tickets. If you don't have one
or it's not validated, there is some sort of serious fine.
She doesn't know what it is, because she's never actually known
anyone who has gotten one.

The
trains operate on the same basis. We took a romantically shabby,
colorfully graphiti-ed train to a lake about an hour outside
the city. The round-trip fare was only two euros, but we noticed
how few of our fellow passengers validated their tickets.

"How
can they afford to run these buses and trains?" I wondered.

The
Italian culture is a complete mystery to me. Many of Rome's
greatest attractions are free, including the city's thousands
of churches and cathedrals. The people work, when they work,
in fits and starts. When the weather gets good, they go on
strike. And the government runs many of its public services
for a fraction what it costs to maintain them.

As
in France, it seems that everyone is a socialist. Even store
owners, wealthy wives, and businessmen. Working is something
you want to do as little as possible. Yet nobody wants to give
up those things that only a hardworking economy can provide.

Rome
itself looks like it's crumbling away, yet it's looked that
way for the 30 years I've been coming here. And it is – in
terms of beauty and culture – as nice a city as there is in
the world.

There
is something to be learned from Rome about business and about
living. I'll be looking for clues this week … and I'll tell
you what I discover.

Another
Way to Slow Down the Aging Process

By
Al Sears, MD

If
you like to have the occasional drink, I have good news. The
U.S. Institute on Aging recently finished a study of men and
women ages 70 to 79. They found that light-to-moderate alcohol
consumption – one to seven drinks a week – lowered the risk
of death by 26 percent and the risk of heart attack by 30 percent.

But
there's no reason to take up drinking just to slow down the
aging process. Vitamin C – a powerful nutrient – has been proven
to do it by slowing down the loss of something called the telomere …
by as much as 62 percent.

If
you've never heard of the telomere, don't feel bad. Most people
haven't. But it's something you need to know about. Every time
your cells divide, a tiny portion of your DNA at the end of
each chromosome is lost. That piece is the telomere – and its
length determines how many times your cells can divide.

Simply
stated, cell division determines lifespan. And when your cells
stop dividing, death occurs.

You
should take at least 500 mg of vitamin C twice a day to slow
the shortening of the telomere. This precaution will add years
to your life. For maximum protection, take 4,000 to 6,000 milligrams
of vitamin C a day.

[Ed.
Note: Dr. Sears, a practicing physician and the author of The
Doctor's Heart Cure and 12 Secrets to Virility,
is a leading authority on longevity, physical fitness, and
heart health. For more advice on how to stay active and mobile
- far into old age - pick up your free copy of Youth
Secrets.]

Reader
Feedback: "Thanks for giving this late baby boomer the
thrills of yesteryear."

"Thanks
so much for the tip about RadioLovers.com in Message
#1790. It is fantastic! I remember hearing
my parents talk about the shows, but had never heard them until
now. Woody Allen's movie Radio
Days was neat. The radio era must have
been a wonderful time.

"Your
e-mails are always interesting and informative, with a wide
variety of topics and formats. Keep up the good work. Thanks
againfor giving this late baby boomer the thrills of yesteryear."

Frances
Dixon
Knoxville, TN

* Highly
Recommended *

Start
Making Money Today

Interested
in getting a nice little side-business going on the Internet?
Or maybe even from your living-room table?

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

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

We've
asked our colleague Marc Charles to be on the lookout for profit
opportunities that can be run from a kitchen table, your desktop
or out on the road.

Criteria?
They've got to be inexpensive, easy to start, and still have
great income potential, but without a lot of red tape.

They
say when you're first getting your feet wet with a side-business,
the most important dollar to make is the first one. Well, Marc
is an expert at taking beginning entrepreneurs and showing
you how to make that first buck. He knows, because he's done
it dozens of times for himself, his family and his friends.

If
you've been dreaming about starting your own business…now
you can get started for about the price of 2 lattes.

And
get this – you could be making money literally just hours from
now. Imagine the feeling of finally getting a side business
launched -TODAY!

Why
not go for it?

Let
me introduce you to "The
King of Business Opportunities".

-
Charlie Byrne

Word
to the Wise: Errant

"Errant" (ER-unt)
– derived from the Latin for "a journey" – means
straying from the right course or from accepted standards.
It can also mean roving, especially in search of adventure
(knights errant).

Example
(as I used it today): "Everyone who had planned on taking
a taxi or limo to the city had to walk to the bus station,
dragging their luggage, and fend for themselves. The effort
was made more difficult by the picket lines of taxi drivers
who were sunning themselves, drinking beer, playing cards,
and attacking any errant limo driver who hadn't heard about
the strike."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at http://speakoutforum.com/forum/ or
send questions directly to Support@EarlyToRise.Com

ALL
CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS
DOCUMENT IS PROHIBITED WITHOUT THE EXPRESS WRITTEN
CONSENT OF EARLY TO RISE. Protected by U.S. Copyright
Law {Title 17 U.S.C. Section 101 et seq., Title 18
U.S.C. Section 2319}:

Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are
you having trouble receiving Early to Rise messages?

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

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

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

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

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.

www.EarlyToRise.com

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

www.earlytorise.com
Message #1801
Monday, August 7, 2006

Need Real Audio? Get it here for free

WEALTHY:
A three-in-one investment idea

HEALTHY:
Quick relief for lower-back pain

WISE:
Alexander Pope on learning

ALSO
IN THIS ISSUE:

Profile
of a top copywriter (Michael
Masterson)

Questioning
your questions (David
Deutsch)

Add "contretemps" to
your vocabulary

*
Highly Recommended *

An
Opportunity To Skyrocket Profits In Your Business

I'm
talking about the opportunity for you to profit massively.
I'm also talking about a once-in a lifetime chance to learn
fortune-building business secrets.

Jay
Abraham knows nearly 100 different ways (that you probably
don't know) to more successfully sell your products or service
– offline or online. He knows over 50 ways to make more money
from the same effort, time and opportunity just by changing
the marketing strategy and approach you follow.

Anthony
Robbins says, "One idea Jay gave me in the first hour
increased our company's marketing effectiveness by more than
100%."

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

ETR
Insider Report: Announcing Our Newest Investment Service

By
Andrew Gordon

Several ETR readers wrote in during the past couple of weeks
with pretty much the same question: How do I protect my investments
and still make decent money on them? Given current market conditions,
it's a good question. Here's what a few of my colleagues had
to say about it.

Charles
Delvalle, editor of ETR's Money
Insight newsletter thought jacking up
the income portion of your portfolio makes the most sense.
I agree.

Will
Bonner, ETR's group publisher, thought international investments
could offset the uncertainty in the U.S. market. He's also
right.

Jon
Herring, ETR's health editor, thought we should buy the dips
and continue riding the natural-resources bull market. I can't
argue with that. Jon knows a good thing when he sees it.

Then
I thought … what if there was a way to devise an investment
strategy incorporating all of their suggestions? To invest
globally when it offers the most upside. To selectively take
advantage of income investments. To ride not only the energy
sector but other sectors as they heat up.

One
instrument immediately came to mind. I have it in my own investment
portfolio, and I've been following it ever since it first appeared
on the investing scene.

I'm
talking about exchange-traded funds (ETFs, for short). They
track the broad indices and just about everything else the
market offers – including country indices. They trade like
stocks and are also easy to get in and out of.

A
well-timed ETF investment is worth its weight in gold. In fact,
a well-timed ETF purchase is actually better than investing
in gold – because when you invest in a gold ETF (GLD), you
bypass the shipment, the storage, the security, and the fees
involved in buying the actual metal.

And
GLD is just one of more than 200 ETFs that can put safety and
upside back into your portfolio.

Interested
in learning more?  I'll be making my first ETF recommendations
very soon in ETR's soon-to-be-launched investment service: The
ETF Advantage. Watch for it.

[Ed
Note: If you'd like to be one of the first to see how
Andrew tracks a part of the market that is gathering steam
for explosive growth, send an e-mail to ETFAdvantage@etrfeedback.com with "ETF
Advantage" in the subject line. We'll send you information
about this new service as soon as it's available.]

"A
little learning is a dangerous thing; Drink deep, or taste
not the Pierian spring."

-
Alexander Pope

How
to Make Great Money – and Live Great – Without Starting
Your Own Business

By
Michael Masterson

One
of the unanticipated pleasures of being in Paris this year
was the evening K and I spent with John Forde.

John
Forde, in case you don't know him, is the editor of Copywriter's
Roundtable (a great e-zine), a top-rated speaker at AWAI's
copywriting conferences, and the author of AWAI's Secrets
of Writing for the Internet program.

Among
his many accomplishments as a very successful copywriter, I
credit him with … not inventing, but more or less perfecting
the classic "predictions" format for investment newsletter
promotions. Many of his packages helped build one of Agora
Publishing's best-known brands – Taipan – as well as countless
other investment products.

John
is currently writing exclusively for another Agora group, Agora
Financial Publishing, and has played a key role in that business's
meteoric growth in the past several years.

Walking
home along the Boulevard Saint Germain with John, K and I had
a chance to find out a little bit about his life here in Paris.

He
said he and his wife "love" living in this city.
(They spend half the year here and the other half in the U.S.) "My
job being what it is, I work alone most of the time, hunched
over a desk," said John. "It's not good for my posture,
but it does allow me to travel or even to live part-time overseas.
Plus, it's great for my son, who'll grow up fluent in two languages.
And, you have to admit," he said as we passed the legendary
Deux Maggots and Cafe Flore, "life is pretty good here."

In
many ways, John has the perfect working life. He does exactly
what he wants, from where he wants, for whom he wants, when
he wants … and he makes a ton of money.

"Living
where we do and traveling as much as we have, I'd have to say
I yearn sometimes for the 'typical,'" said John. "But
as much as possible, I prefer to wake up and get right to work.
This is a trick I learned from my good friend Don Mahoney,
by the way. He once told me that he keeps his laptop next to
the bed, reaches for it as soon as he's awake, then works until
breakfast.

"I
do something similar. We have a two-year-old who's up by around
7:30 or 8:00 a.m. I wake up earlier – no alarm clock – stretch
a little, and then get right to the biggest writing project
I have for the day. (I never start by answering e-mail.)

"When
our son wakes up, I help get him dressed and fed. Then I head
for my office across town, and pick up where I left off. I
take a late lunch around 2:00. And if I've had a productive
morning, I'll take a stroll. I'm overseas, so if I have phone
meetings based in the U.S., they're usually scheduled after
that. And I wrap up the day with a few smaller projects."

That
sounds pretty good, doesn't it?

John's
career is a testament to how much you can accomplish in a relatively
short time. He is highly regarded in his field. He earns a
very comfortable six-figure income. And he lives six months
a year in one of the world's most exciting cities.

How
did he do it?

The
Value of a Good Mentor

Interestingly,
John had no intention of becoming a copywriter. He'd considered
advertising when he was an undergrad, but gave up the idea,
not wanting to work in a cutthroat agency. His interest wasn't
rekindled until, after graduating from college, he went to
work for a small publishing company in Baltimore.

John
worked as an editorial intern, and then was hired full-time
to write articles for one of the company's newsletters. Every
once in a while, the company's president would ask John to
do a little research project.

"One
day, a woman was passing through the office asking people if
they needed new business cards," John told me. "Since
I was in the same room with him, she must have thought I was
an executive. She took my name and asked me what title I wanted
for my card. I probably should have said 'chief grunt' or 'assistant
lackey,' but I had just learned that the research I was working
on was going to be used for something called copywriting …
so I told her 'copywriter.'

"When
the cards came back a few weeks later, the big boss saw mine
and got a kick out of it. 'So you want to be a copywriter,'
he said. I shrugged my shoulders. I thought I might be in trouble.
'That's a good thing,' he said. 'We always need good copywriters.'

"And
that was pretty much how it started. He started teaching me
what he knew about copywriting – which was, even back then,
much more than I could absorb. But it was great. By being a
little audacious, my career suddenly had an upward trajectory."

About six months after John began learning his new skill, yours
truly joined the organization. One of the first things I did
was contribute to a little training program for John and about
half a dozen other copywriting hopefuls, including my boyhood
friend Don Mahoney.

For
about a year, John and his fellow trainees were browbeaten
with theories about "indirection" and "the categorical
imperative" and techniques like "the false close" and "transubstantiation."

From
the beginning, John had a natural proclivity for what we came
to call Big Idea copy – an approach that favors a single, overarching
and compelling idea as a lead-in to the sales letter (as opposed
to, say, a "big promise" or an offer-driven lead).

But
John had plenty of other input as well. As a member of that
early team of trainees, he was required to study (nay, to memorize)
the words of legendary marketers like David Ogilvy, Gene Schwartz,
and John Caples. And he was subject to my tutelage, such as
it was, from time to time.

Mastery
Leads to Big Profits

In
retrospect, I think John's greatest skill as a student of copywriting
– besides his natural intelligence – was his humility. Unlike
some of his peers, he didn't have much interest in where he
stood relative to other people. And he paid little attention
to the hours he was asked to work or his compensation. He felt
that he was fortunate to be learning from copywriters who had
proven themselves in the marketplace.

John
made steady progress as a copywriter, but he never talked about
his accomplishments as they came. He was more interested in
learning more. That made him an excellent student and an easy
person for marketing directors to work with.

One
by one, John studied – and mastered – different copywriting
styles. By staying humble and asking questions, he managed
to learn something from every good copywriter he came in contact
with. This gave him a breadth of knowledge and technique that
enabled him to write effective copy for a wide variety of clients.

"When
you are working as a copywriter, it's great to have homeruns," says
Katie Yeakle, AWAI's Executive Director. "But if you want
to maximize your desirability in the marketplace, the trick
is to have a high batting average. In other words, a high percentage
of singles, doubles, and triples."

John
has had his share of homeruns, but – more important – he has
seldom written a clunker.

Today's
Action Plan: John's success has everything to do
with his hard work. He hooked up with several mentors who
helped him learn the ins and outs of copywriting, but he
also worked long hours to master his skills. I asked him
if he would share some of what he's learned about success
with my ETR readers, and he promised to write something for
tomorrow's issue.

Meanwhile,
to hone your copywriting skills and start on your own path
to a six-figure income, you need to get your hands on AWAI's copywriting
program.

* Highly
Recommended *

How
Much Money Can YOU Make By Copying This "Mistake"?

How
did Vicki Smith accidentally 'hotwire' the Internet and turn
it into the goose that laid the golden egg?

Well,
imagine a huge fortress with steep, heavily defended walls
and a great big, drawbridge to get through. Inside that fortress
is the huge pile of wealth there is to be made on the Internet.
Now imagine trying to scale those walls with no equipment and
never having done anything like it before. That is what many
people try to do…

But
what did Vicki do? By mistake, she got 'lost' and wandered
around the back of that fortress and found a 'hidden' door
which lead straight in. A solid gold door which opened up a
gateway to riches…

It's
an opportunity which really does work, that anyone can follow
and put into practice quickly in just an hour of your spare
time from home.

Read
about Vicki's good fortune…

-
Charlie Byrne

Yoga
for Your Back

By
Jon Herring

If
you're suffering from lower-back pain, increasing your flexibility
through yoga could bring welcome relief. In a study done by
the Group Health Cooperative in Seattle, 101 people with chronic
back pain took either 12 weeks of yoga, 12 weeks of an exercise
class, or followed the advice of a self-help book. The results
– published in Annals of Internal Medicine – showed
that the yoga practitioners reported better back function than
those in the other two groups. The yoga group was also using
less than half the amount of pain medication.

Many
gyms, health clubs, and community centers offer affordable
yoga classes. But if you're thinking of joining the 14 million
Americans who practice yoga – often as a way to treat chronic
aches and pains – keep in mind that the yoga practiced in this
study was a slow-moving form designed specifically for people
with back pain.

Ideas
for Success: Are You Asking the Right Questions?

By
David Deutsch

Who
do you think is more likely to make more money? The person
who asks, "How can I make $10,000 more a year?" Or
the one who asks, "How can I make $100,000 more a year?"

Who
do you think is more likely to enjoy a lasting and fulfilling
marital relationship? The spouse who asks, "Why doesn't
my husband/wife understand me?" Or the one who asks, "What
can I do to improve this relationship?"

Okay.
The answers to those are pretty obvious. But the point I'm
making here is that we ask ourselves and others dozens of questions
every day. And even a slight improvement in the way we ask
each one of those questions means dozens of opportunities to
improve the quality of our personal and professional life.

Try
asking yourself these questions about the questions you ask
yourself and others …

Does
the question place an unintended limit on the outcome?
(For example: "How can I double my income in 2 years?" Better: "How
can I double my income in 1 year?)

Does
it presuppose something that may not be true? (For example: "Why
does my boss treat me worse than everyone else?" Better: "What
could I be doing to cause my boss to treat me the way he
does?")

Does
it limit the scope of what you might find out? (For example: "How
can we get more customers?" Better: "How can
we increase revenue – by getting more customers, getting
more money from the same number of customers, decreasing
expenses … or doing anything else?")

Ask
these questions about your questions and you'll soon find yourself
thinking on a much higher, more creative, and more open-minded
level.

[Ed.
Note: David Deutsch is the creator of The
Million-Dollar Ideas System, a revolutionary
new way to come up with all the money-making ideas you'll ever
need.]

* Advertisement *

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

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

Word
to the Wise: Contretemps

"Contretemps" (KAHN-truh-tahn)
– a French word derived from the Latin for "against" + "time" -
is an inopportune or embarrassing situation or event.

Example
(as used in a New York Times article about Emily Post): "Mrs.
Post was the center of a notable contretemps when
she spilled a spoonful of berries at a dinner of the Gourmet
Society here in 1938."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

Want
to know the secrets to his success? Have a perplexing
business problem? ETR welcomes your thoughts. Post
them online at http://speakoutforum.com/forum/ or
send questions directly to Support@EarlyToRise.Com

ALL
CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2006 BY ETR,
LLC.ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS
DOCUMENT IS PROHIBITED WITHOUT THE EXPRESS WRITTEN
CONSENT OF EARLY TO RISE. Protected by U.S. Copyright
Law {Title 17 U.S.C. Section 101 et seq., Title 18
U.S.C. Section 2319}:

Infringements
can be punishable by up to 5 years in prison and $250,000
in fines. Are
you having trouble receiving Early to Rise messages?

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

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

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

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

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.

www.EarlyToRise.com

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

www.earlytorise.com
Message #1802
Tuesday, August 08, 2006

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WEALTHY:
Rent to own or rent to rent (William Bronchick)

HEALTHY:
Think zinc

WISE:
Aristotle on the law

ALSO
IN THIS ISSUE:

Financial
independence … my way (John Forde) (Michael
Masterson)

Poor
little rich boys

Add "apposite" to
your vocabulary

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law is reason, free from passion"

-
Aristotle

Protecting
Yourself in a "Can't-Lose" Investment

By
William Bronchick

Last
week Message
#1798, I explained why you may be better off renting your
next home rather than buying it. By using a lease/purchase agreement,
you can live in your dream home, avoid the risks of home ownership
(especially important to bubble market dwellers), and still
benefit from any appreciation in the market.

With
so many benefits, why would anyone agree to sell you a property
this way? Fact is, you'll find plenty of motivated sellers
who want to unload their properties as quickly as possible.
But once in a while, you'll come across one who realizes too
late how much money his property is worth.

So
what can you do to protect your legal interests?

A
Lease/Purchase Is a Legally Binding Agreement

A
lease/purchase (also known as a lease/option) is really two
things: a lease and an option to buy.

A
lease is a contract for the use and possession of land, creating
a landlord/tenant (or "lessor/lessee") relationship.

A
purchase option is a unilateral agreement wherein the optionor
("seller") agrees to give the optionee ("buyer")
the exclusive right to purchase the leased premises. The
option price (the price the buyer will pay if he chooses
to purchase the property) is generally fixed at the inception
of the lease, although it does not have to be. At any time
during the option period (which generally corresponds to
the lease period), the tenant can exercise his option to
purchase.

An
option is not the same as a regular purchase contract, which
is a bilateral agreement. A bilateral contract legally binds
both parties to the agreement, whereas an option only binds
the seller. An optionee is not bound to buy. It is his option
to buy or not to buy.

A
lease with option arrangement is not a sale, but rather a landlord-tenant
relationship. In rare cases, a court may re-characterize the
transaction as a sale if it looks like a sale. But the IRS
does not classify a lease/option as a sale until the option
is exercised.

In
a typical lease/purchase agreement, a portion of the monthly
rent (about 25 percent) is credited toward the purchase price.
The buyer pays a non-refundable fee for the option, which can
also be credited to the purchase price if he chooses to buy.

3
Ways to Protect Your Option

As
I explained last week, lease/options can help you generate
huge returns and realize the benefits of appreciation without
the risks of depreciation. In fact, lease/options are great
… except when the seller decides not to live up to his end
of the bargain.

Sure,
you can sue the seller to force him to sell you the property,
but this can cost thousands of dollars in legal fees and take
years to accomplish. It's far better to protect yourself at
the beginning.

Here's
how to protect your interest in the property to ensure that
you will profit from any appreciation that occurs:

1.
Record the Option. If your option was notarized,
you can record it in the public real estate records. This
will give notice of your interest. If the option was not
notarized, you can sign an affidavit called a "memorandum
of option" and file it in the real estate records
where the property sits. Keep in mind that this does not
create a lien. It only puts a "cloud" on the
title.

2.
Escrow the Deed. If your seller has died or disappeared,
it won't be possible to get him to sign the deed. Create
an escrow up front in which a title company or attorney
holds an executed deed. When you are ready to exercise
your option, you simply tender the money to the escrow
agent and collect the deed.

3.
Record a Mortgage. Typically, a mortgage is recorded
to secure payments on a promissory note. But a mortgage
can be recorded to secure the performance of any agreement,
even a purchase option. By doing so, you, as the optionee
(buyer), will now be a lien holder, in the same position
as a secured lender. If the seller refuses to sell the
property, you foreclose.

How
to Use This Technique as an Investor

Up
to this point, we've been assuming you are using the lease/purchase
technique to purchase a home that you intend to use as your
primary residence. But
it works just as well on properties you are interested in purely
as an investment.

Let
me give you a quick example.

With
some slight adjustments to your original agreement, you should
be able to turn around and sub-lease the property to another
party who can cover your monthly rental obligation (possibly
with cash income for you, to boot). It may be strictly a rental
agreement, or you may choose to create another lease/purchase,
with your profit built into the new purchase price.

If
your tenant is not purchasing the property, about six months
prior to the end of your option period (which will typically
be anywhere from one to three years), you put the property
up for sale. And if your purchase price was fixed at, say,
$250,000 and the market price is now $285,000, you should be
able to realize the $35,000 in appreciation.

And
the best part? You never need to take ownership of the property.
Instead of selling the property, you sell your option and let
your buyer exercise it directly with the owner.

[Ed.
Note: In an upcoming teleseminar, William Bronchick, a nationally
recognized attorney, best-selling author, and entrepreneur,
will be speaking to a select group of listeners about how to
use a lease/purchase to buy and sell real estate. Sign
up today to receive your ETR reader discount.]

How
to Be a Top Copywriter

By
John Forde

I
had a nice visit with Michael Masterson and his wife yesterday.
Before we said adieu, he asked me if I had some advice for
fledgling copywriters who might want to enjoy my admittedly
enviable lifestyle. If you're one of them, here's what I can
tell you:

1.
Learn From the Masters

I
started at the bottom, working as an editorial intern and making
$15 a day. (This, while I was in graduate school.) And I studied.
I read every copywriting book I could find, I played marketing
tapes most waking hours, and I read other people's promos.
Many nights, I was the last guy in the building. And I still
work hard, not just at writing copy but to stay educated in
new techniques while reviewing those too easily forgotten.

But meeting and working closely with some of the greats in this
business has had an impact I can't even begin to measure. Not
everyone is going to be able to do that, sure. But the next best
thing is studying everything the majors have had their hands
in. It's better than a Harvard education, in my opinion.

I
genuinely think the AWAI
copywriting program is an exceptional way to learn. Everything
that helped me, you'll find inside. Then start reading the
promos in the niche that interests you most. Are you a subscriber
to any publications you love? A loyal customer of any business
that sells through the mail? Or maybe the company you work
for does direct-response marketing or sells online. Get on
these mailing lists and study the promos you see most often,
because they're the ones that are working. Copy them out by
hand. You'll be stunned by the techniques you pick up.

2.
Find Your First Copywriting Assignment

Soon
after you get started – and sooner than you think you're ready
– take on one assignment. Do it on spec, if you have to. ("On
spec" means you'll be paid only if your sales letter
pulls results.) Let them know your experience level up front.
But then pour yourself into the job and, as much as possible,
knock the cover off the ball. Dig heart and soul into the research,
write and rewrite while nobody is looking, and come across
as professional, efficient, and quick.

Maybe that first promo will work, maybe it won't. But move on
to another assignment immediately. And you do all this while
you're still working at your "day job." You're building
the base you'll need.

3.
Build Your Client List … and Leave the Cubicle

The
more projects you do, the more you'll learn. Even from the
flops. But with enough successes, you'll also build a loyal
following of clients who start to identify their success with
you. This is where you get the leverage you need to move out
of the cubicle and start doing this on your own, from wherever
and whenever you like. In your home office, on a beach, in
your underwear (if that's what floats your boat).

Once you've reached this level, with at least a few clients who
like your work and want to use you again, line up three or four
projects while letting them know where they fall on the timeline.
Make sure they pay well enough to sustain your lifestyle and
that they're big enough to put a manageable demand on your time.
And then …

Take the leap.

I happen to have the best of both worlds. I have all the work
I need within a single group of more than a dozen different products.
Yet, if I ever wanted to shift gears, I have plenty of other
marketers eager for an opening in my calendar. It's simply a
by-product of 14 years in the business.

I work hard, but I set my own pace and make my own day-to-day
schedule. And I've got enough leverage now that I can cut deals
on royalties and upfront fees. The only downside, as far as I
can see, is that I have to turn down great projects because I
can only fit so much into my schedule. These days, at the drop
of a hat, I could book out a year's worth of work if I wanted
to.

The key is to get good first, line up the assignments second,
and then simply do as good a job as you can. Once you build your
reputation – which snowballs, by the way, once you bang out your
first successful promo – the work will come to find you. No matter
where you happen to live or work at the time.

4. Forge Strong Relationships

After
you're liberated from the cubicle and your commute, make sure
you never cut yourself off entirely. You're still working with
people. Building and maintaining relationships with those people
remains essential. Keep in touch via e-mail. Make phone calls
or even face-to-face meetings a regular part of each assignment
cycle.

Focus
on building a small cluster of repeat clients who love your
work, rather than spreading yourself thin across the industry.

[Ed.
Note: John Forde, a top-rated speaker at AWAI's copywriting
conferences, is the author of AWAI's Secrets
of Writing for the Internet program Sign up for his Copywriter's
Roundtable e-zine at www.JackForde.com .]

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…the
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In less than 60 days, we put this deal together from a motivated
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-Anargyros
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If
you could use the extra income real estate investing provides,
but you don t have the credit or job history to secure financing,
you can still make it happen.

In
less than 60 days, you can realize the financial boost you
need using the secrets of Lease/Options to gain control of
a property s profits, without the pitfalls of financing and
ownership. Learn
More…

Zinc
Helps Your Kids Stay Sharp

By
Jon Herring

I
have written frequently about the profound effects that zinc
can have on your immune system. Now, there is evidence that
zinc can help children perform better in school.

Researchers
at the U.S. Department of Agriculture (USDA) asked 209 boys
and girls to drink a 4-ounce glass of juice before school for
12 weeks. One group drank plain juice, a second group drank
juice with 10 mg of zinc, and a third group drank juice with
20 mg of zinc.

The
children who received 20 mg of zinc improved their performance
on tests that challenged their memory of abstract images by
a factor of two times greater than those who received no zinc
supplementation. They also outperformed other children on hand-eye
coordination tests and memorizing word lists.

The
best natural sources of zinc are meat, nuts, and seeds. But
in today's mineral-poor food supply, natural sources may not
be enough. To ensure that your kids get enough of the right
minerals, give them a multi-vitamin. Make sure the vitamin
also has at least 1.5 mg of copper, as zinc can deplete copper
in the body.

(Reference:
Nutrition & Healing)

Notes
From Paris: Who Can Afford These Places?

By
Michael Masterson

A
friend of mine just bought a "modest," three-bedroom
apartment in Paris. The price? About two million dollars.

"Did
you look at the Ile Saint Louis?" I asked him. (K and
I had walked around there and talked about how nice it would
be to have a pied-a-terre in that part of town.)

"Sure.
We looked," he said. "But the prices are way out
of our league."

My
friend is – by any normal measurement – a wealthy man. His
income and his net worth must certainly be in the top tenth
of the top one percent of the population. I know a handful
of people who are richer … but only a handful. So if anybody
should be able to buy a nice apartment in the Ile Saint Louis,
it would be him.

"What's
going on?" I wondered. I mean, who lives in these places?

Most
of the great city apartments in the world – in New York, London,
Tokyo, and Paris – are occupied by people who either inherited
or bought them decades ago. Real estate prices in all the major
metropolises (with the possible exception of Tokyo) have been
escalating on a steady basis for 50 years.

It
doesn't take too many decades at an annual 8 or 10 percent
inflation rate before prices skyrocket out of control. But
many of the prime properties are not sold off. (Because where
would those people go?) And so it is the secondary and tertiary
neighborhoods that become the boom areas for the nouveau riche.

People
who can afford a $2 million apartment have no right to complain
about anything. Still, when $2 million buys you only a modest
place in a secondary neighborhood, you can't help but wonder
if things are really getting better.

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Word
to the Wise: Apposite

Something
that is "apposite" (AP-uh-zit) – from the Latin for "to
set or put near" – is strikingly appropriate and relevant.

Example
(as used by Jane S. Gerber, editor of The
Illustrated History of the Jewish People: "As we survey
Jewish history as a whole from the vantage point of the late
twentieth century, Judah Halevi's phrase 'prisoner of hope'
seems entirely apposite. The prisoner of hope is sustained
and encouraged by his hope, even as he is confined by it."

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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Comments/Questions: 1-866-344-7200

www.earlytorise.com
Message #1800
Saturday, August 5, 2006

Need Real Audio? Get it here for free

WEALTHY:
You've got questions … we've got answers

HEALTHY:
A new warning for tuna lovers

WISE: Peter
Drucker on the purpose of business

ALSO
IN THIS ISSUE:

Separate
your zebras from your birds (David Cross)

Should
you fix it up? Or buy it fixed? (Michael
Masterson)

Add "contumely" to
your vocabulary

*
Highly Recommended *

You
Can Import Goods From Overseas For Pennies On the Dollar!

It
may have been hard in the past for small entrepreneurs
to import cheap products from countries like China, but
things have drastically changed.

For
example, In 1986, total trade between the United States
and China was $7.9 billion. By 2005, this total has reached
over $170 billion, making China the United States' third
largest trading partner.

You
can't believe how easy this is. With the right information,
you just find products that cost a couple of dollars
each and sell them for 1000%+ mark-ups by the thousands
with your own Internet sites.

Please
click here to read this urgent report.

"Number" Q&A

Last
week, in Message
#1789 and Message
#1793, Michael Masterson helped you come up with your "number" -
the amount of money you need in order to retire and enjoy
the lifestyle you're hoping for.

He
covered a lot of ground in those two articles – but, even
so, some of our readers had questions. So let's answer the
four main ones now …

Question
1: What about the effects of inflation on my retirement
income?

Answer: When you're retired, inflation can certainly
have a negative effect on your wealth. We asked financial planner
Howard Phillips what he thinks about inflation, and here's
what he said: "The inflation question is a very good one,
because there are certain lifestyle costs that will be more
burdensome to retirees in the future. One of the obvious ones
is medical costs. The last 30 years of our lives are when we
normally will incur more expenses for treatment of disease
than the previous 50. High-tech 'cures' will become more and
more expensive, and Medicare will not come close to paying
for it. Energy prices will continue to be high for many years
to come. Many of my retired clients are being bit by growing
property taxes."
Sounds like bad news. But Howard suggests that one of the best
ways to "beat" inflation is to diversify your investments.
Some investment alternatives which may not feel the pinch of
inflation – or could even grow in value because of inflation
– include:

Inflation-protected
Treasury bonds
Foreign
bonds (which benefit from a declining dollar)
Real
estate and commercial real estate funds (REITs)
Floating-rate
bond funds
Utilities
(Electric companies in regulated markets are guaranteed
a profit, so they can raise prices when costs increase.)
Global
large-cap companies that pay higher-than-average dividends
Food-related
stocks, both retail and at the commodity level
Gold

Question
2: Gary North says one way to cut down your number is to
move to someplace cheap. Is it worth it to consider moving
to a cheap, nice place where you plan to retire?

Answer: The
point is, you want to establish the lowest number that will
make you happy. And if you can be happy in a less-expensive
place, that's a very good thing, because everything will
be cheaper … not just the house, but utilities, food, and
clothing.

Question
3: What happens if you under-estimate? In other words,
how do you make sure your number is high enough?

Answer: If you calculate your number as Michael recommends
in his "quick-and-dirty" formula – it should be
plenty high. But if it isn't, you'll know years in advance.
And if that's the case, the best solution would be to identify
a hobby that you can turn into a money-making business. (Make
sure you consider your age when you choose this hobby. If you
love to ski and think you may be able to make extra money as
a ski instructor, remember that you might not be as physically
fit in the years to come as you are now.)

Question
4: If I have 5 – or even 20 – years left until retirement,
how I am I possibly going to increase my savings to $3
million to $20 million? Is this a realistic goal?

Answer: Yes,
it's definitely realistic. Easy, in fact…But you have to
dramatically increase your income … and you have to get
a good return on your investments (ROI). Michael has gone
over this in detail in Automatic
Wealth and Automatic
Wealth for Grads…and Anyone Else Just Starting Out -
but here's what it boils down to: You get your income up
by becoming invaluable within a corporate structure – so
invaluable that your employer gladly pays you $200,000+ a
year.

You
could also increase
your income by starting a side business. And be sure
to invest in real
estate. If you check out Michael's next book, Seven
Years to Seven Figures, and follow the book's income-accelerating
program, you'll get richer that much faster.

"The
purpose of business is to create and keep a customer."

Peter F. Drucker

Giving
Legs to Online Marketing

By
David Cross

Our
family now has 1,182 legs. That would mean a lot of shoes
… but for the fact that few of those legs belong to people.

I
married a veterinarian. And I smile when I remember that
only after we married did my mother-in-law recount
the tales of my wife's childhood menagerie. Any stray animal
looking for a home need meow and meander no further, for
here was a modern day St. Francis.

Today,
we are two adults, three children, one baby due in September,
two 175-pound English mastiffs, four cats (rescued strays),
five chickens, four sheep, two pigs, one turtle … and 277
zebras.

Yes,
I did say zebras. We've got striped critters everywhere I
look, but mainly on the walls of the downstairs bathroom,
where a herd of singing, dancing zebras live. Moving through
that room too quickly could generate a dangerous strobe effect.

All
those zebras remind me of a key to online marketing success.
As the old adage says, "Birds (and zebras) of a feather
flock together." In other words, though there may be
over one billion people on the Internet (according to Computer
Industry Almanac), you can't aim your marketing efforts
at all of them. You've got to target small (or "niche")
groups of people with a product or service that is highly
focused on their wants, needs, or desires.

You'll
have the makings of a nice little business if you can find
just 1,000 people who are as nuts about collecting zebras
as my wife, or 1,000 people who have a passion for 1950s
baseball cards, sand from the world's best surfing beaches,
antique fishing reels, old valve radios, or World War II
shrapnel.

Niche
marketing is not a new concept. Most businesses know they
must target their advertising to a specific group of people.
However, the concept applies not just to finding customers,
but also to every aspect of your ongoing relationship with
them.

And
this is where many online businesses fall flat.

In Message
#1776, I talked about how many businesses still practice
what I refer to as "spaghetti marketing" – throwing
the same e-mail or Web marketing message at large groups
of potential customers and hoping some will stick. The
few who are interested in what they are offering, buy -
but for the majority, their message is at best irrelevant
… and maybe even irritating.

Other
businesses spend a lot of time and money driving qualified
traffic to their websites, shopping carts, e-mail signup
points, and "landing pages." But they put almost
no thought into figuring out how to communicate with those
people once they become prospects or customers. Most end
up in a generic pool, where everyone receives the same follow-up
messages and treatment.

But
how does your individual customer or prospect feel about
that? She used Google and typed-in her own search term. She
selected your website from the thousands available. She signed
up for your free e-mail newsletter for reasons that interested
her, and she believes – rightly, as far as she is concerned
– that your communication with her will be part of this increasingly
relevant dialog.

So
why aren't you doing it that way?

You
don't have one customer database of 100,000 people. You have
100,000 one-person lists. And you need to communicate with
each of those individuals as personally as you can.

Beginning
with the idea that she found you because she is interested
in your business makes good sense. And you have access to
plenty of data that will tell you not only why she is interested
in your business, but also which search term or ad brought
her to your website. That makes it easy to customize your
first communications with her.

A
good way to do that is to implement an introductory series
of e-mail messages. This is especially effective if the customer
has signed up for your online newsletter. You send out five
or so evergreen issues of your publication during the first
7 to 10 days of her subscription. By "evergreen," I
mean that these issues will be made up of content that is
not time-sensitive.

This
gives your new reader a good introduction to your subject
matter, writers, and "cast of characters." At the
same time, you could include recommendations for complementary
products or subscriptions that may be of interest to her.

From
one introductory e-mail series, you could move to a few more,
each one focused on a different product or service offered
by your business that fits with your new subscriber's interests.
Done correctly, this process will help cement your customers'
initial relationships with you while converting their interests
into relevant sales.

I
know of some online newsletter publishers who are using this
introductory e-mail series technique to convert something
like 10 percent of their new readers into paying customers
for additional products.

Today's
Action Plan: Realize that all of your customers are
unique and that your success lies in serving their individual
needs. And there are many opportunities online – in e-mail
and on the Web – to learn what makes your customers tick.
So spend some time today brainstorming ideas about how
you can learn more about your customers and how you will
address their needs in your communications with them. Above
all, find out how you can use that knowledge to better
serve them.

[Ed.
Note: David Cross is Senior Internet Consultant to Agora
Publishing in Baltimore. Meet him in person at ETR's Information
Marketing Bootcamp in November. He and other Internet
marketing experts will show you how to build and/or dramatically
grow your business. Sign
up now to reserve your spot.]

* Advertisement*

Make
An Investment In Yourself…

Today,
I'd like to tell you about the easiest
way to immediately advance your career–no
matter what field you work in.

In
fact, you could add anywhere from $25,000 to $50,000 to
even $100,000 a year to your salary right now – and it
wouldn't involve changing careers, starting a business
or going back to school.

At
the same time, you'd also be joining the ranks of a prestigious
organization of professionals that earn executive-level
salaries every year without ever asking for a raise, without
ever having to count on that elusive 'big promotion' to
boost their incomes.

Sound
crazy? I might have thought so too… except I
have a friend that did exactly that.

-
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Notes
From Paris: When a Man's Castle Is His Home

By
Michael Masterson

At
lunch today in a small restaurant across the rue from
our office in Paris, BB and I were talking about chateaux (the
French word for castles). He has bought two of them. One,
a mere 12-bedroom abode that he refuses to call a chateau,
has been converted to a weekend home for his family. The
other, with more than two dozen bedrooms and a ballroom,
cannot be described in any other way.

Both
were bought cheaply – or so he thought when he purchased
them. But the costs of fixing them up (a roof here, new plumbing
there) have added up over the years. When BB tallied up the
add-ons and extras over the years, the original price for
these once-dilapidated structures was only about 30 percent
of the total.

 "But
I had so much fun fixing up my ruins," he said.

I
knew what he meant. I'd done the same thing with three vintage
cars: a 1955 Thunderbird, a 1962 Corvette, and a 1966 Jaguar
sedan.

Preserving
the past, we agreed, is a very expensive hobby. This is a
good thing to keep in mind next time you have the "opportunity" to
buy something old (and cheap) and restore it. Much of the
time, it doesn't pay.

If
you are young or inexperienced and don't already know this
to be true, pay attention. Here is the skinny on making money
with fixer-uppers:

1.
You will always spend more on the restoration than you
think. Depending on your experience, you will end up spending
between 20 and 200 percent of what you planned to spend.

2.
In a flat or falling market, you can get killed with fixer-uppers,
because most people prefer new to restored.

3.
In a rising market, be leery of overspending for a clunker.

4.
Time is your enemy. The longer the restoration takes, the
more expensive it will be.

5.
Be aware of inflation in the cost of labor and materials.

6.
Ask yourself: "How much do I love the idea of doing
this restoration?" The greater your love, the greater
your loss will likely be.

These
rules apply to just about everything of value that you can
think of: vintage cars, watches, cameras, furniture, appliances, chateaux,
and regular houses, as well. (As a general rule, the more
parts, the greater the risk.)

So
if you are tempted to buy cheap and restore, first find out
how expensive it would be to buy a similar but recently restored
item. It will certainly be more expensive, but it might be
much less expensive than doing it yourself. And you'll be
able to enjoy it right away.

Where
Does Your Tuna Come From?

By
Jon Herring

You
probably already know that traces of mercury can be found
in seafood. But this toxin may be more common than you think.

In
a new study by Landmark Laboratories, 164 cans of tuna from
around the world were tested. The tuna from Latin America
– especially Mexico and Ecuador – had the highest levels
of mercury, sometimes 50 percent higher than what the U.S.
government allows. Why so high? Because commercial fishermen
in those countries target the largest and oldest tuna, which
have been exposed to mercury longer.

Tuna
is an excellent source of protein and healthy omega-3 fatty
acids. And if you enjoy it, fear of mercury shouldn't stop
you from eating it. Oregon's Choice and Vital
Choice are two companies that specialize in small, line-caught,
sashimi-grade albacore that is naturally low in mercury.
Plus, the tuna is cooked in the can to preserve the omega-3s.

(Reference:
Associated Press)

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Word
to the Wise: Contumely

"Contumely" (kon-TYOO-muh-lee)
is scornful insolence. The word is derived from the Latin
for outrage or insult.

Example
(as used by Edmund Burke, the 18th century British statesman
and philosopher): "Nothing aggravates tyranny as much
as contumely."

Michael
Masterson
Copyright ETR, LLC, 2006

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