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Message #1846
Thursday, September 28, 2006

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WEALTHY:
Is $1 million enough?

HEALTHY:
Is your heart shrinking? (Dr.
Al Sears)

WISE:
Anna Quindlen on exercise

ALSO
IN THIS ISSUE:

Super-size
your offer (Derek
Gehl)

"Seal" the
deal

Add "exigent" to
your vocabulary

* Highly
Recommended *

How
Uncle Sam Will Help You Buy Your First (and second, and third…)
Apartment Building

There's
a little known, government sponsored tool that you
can use to buy much larger, more valuable properties
than would otherwise be possible – including large, cash-cow
apartment complexes.It's
a technique that can help you roll-up a single $5,000 investment
(or less, really) into a $1.5 million fortune that's throwing
off thousands in spendable income each and every month (to
the tune of six-figures a year).

Without
this technique? You could be looking at less than one-third
the assets, and cash-flow closer to $20,000 a year. (Not bad,
but certainly pales in comparison to six-figures!)

The
technique is called a 1031 Exchange – and
it's designed specifically for investors looking to grow their
portfolios. It allows real estate investors to stiff the
tax man. That's right, you get to actually not
pay Uncle Sam. Instead, you can legally use that money
to invest in new property, which means your buying power instantly
grows exponentially.

Keep
reading to see how you can start using 1031
Exchanges to propel your own real estate investments,
and receive three Free reports on cash-flow real estate
investing.

Justin
Ford
Editor, Main Street Millionaire

Enough
Money to Fund Your Dream Lifestyle

If
you're like a lot of people, one of your top financial goals
is to increase your income to "seven figures". But "seven
figures" can mean wildly different things… and if you
have a net worth of $1 million, you'll be living much differently
than you would with a net worth of $9 million.

In
his brand-new book, Seven Years to Seven Figures: The Fast-Track
Plan to Becoming a Millionaire, Michael Masterson suggests
that you ask yourself, "Would a net worth of $1 million
be enough?"

Here's
how you can find out.

Start
a list of regular monthly expenses: mortgage payments or rent,
bills, car payments, grocery bills, etc. (You can estimate
these costs as they would apply to your dream house, dream
car, etc.)

Add
to this an estimated cost of the activities that are important
to you each month — tennis lessons, dinner and a movie with
your spouse, a weekend trip out of state, etc.

Now
add the estimated cost of those things that would make up your
dream lifestyle — a new Ferrari, two-week vacations to the
Caribbean, scuba diving gear, a sail boat, lunch once a week
with your sister, etc.

Add
in the cost of anything else we may have forgotten.

Multiply
by 12.

Your
total represents the cost of living your dream lifestyle for
one year.

If
your dream lifestyle total is…

…
less than $65,000 you should aim for a net worth of $1 million

…
between $65,000 and $160,000, you should aim for a net worth
of $1.5 million to $2.5 million

…
between $160,000 and $358,000, you should aim for a net worth
of $3 million to $5.5 million

…
between $358,000 and $585,000 you should aim for a net worth
of $6 million to $9 million

How
much wealth do you need to accumulate to live the lifestyle
of your dreams?

[Ed.
Note: Learn how you can have the lifestyle you've always wanted
in Michael's upcoming book Seven Years to Seven Figures:
The Fast Track Plan to Becoming a Millionaire. The release
is less than 2 weeks from now and we're looking forward to
seeing it at #1 on the bestseller list - with your help. We'll
be offering you a great package of bonuses if you purchase
the book on its release date, on or about Monday October 9th.
We'll let you know when the blast-off is set!]

"I
feel about exercise the same way that I feel about a few
other things: that there is nothing wrong with it if it
is done in private by consenting adults."

-
Anna Quindlen

A
Look at "Cardio" From Your Heart's Perspective

By
Al Sears, MD

Look
at any rack of fitness magazines and you'll see dozens of covers
telling you that you need "cardio." Go to any gym
and the trainer will insist on devoting some of your time to "cardio." You
probably don't like doing it, yet you feel compelled to comply.
After all, who doesn't want a healthy heart?

Common
parlance has even accepted the term "cardio" (short
for cardiovascular endurance training) as synonymous with exercise
for your heart. But shouldn't exercise make the targeted body
part stronger?

When
you study the heart's changes as a result of cardiovascular
endurance training, you find it getting weaker in some critical
capacities that simulate the changes caused by stress and aging.

Routinely
forcing your body to perform the same continuous cardiovascular
challenge by repeating the same movement, at the same rate,
thousands of times – without variation, without rest – is unnatural.
By that, I mean our ancestors didn't regularly stress their
cardiovascular systems in this manner. They may have put this
type of demand on their hearts – but rarely, and not in the
context of the daily environment of a native society in balance
with its surroundings.

Yet
nature designed your body to adapt to whatever environment
it encounters. If you ask it to perform an activity repeatedly
and routinely, it will gradually change the systems involved
to meet the challenge more effectively.

But
what adaptive changes does continuous cardiovascular activity
cause?

Continuous-duration
exercise that taxes your endurance produces some unique challenges
your body must overcome. It must not run out of fuel, overheat,
or be overwhelmed by metabolic wastes. Its primary adaptation
will be to become more efficient at light, long, continuous,
low-energy output. One of the ways your body does that is by
gradually rebuilding your heart, lungs, blood vessels, and
muscles to be as small as possible, while maintaining the minimum "horsepower" required
to perform the activity.

You
waste fuel and raw material with a Ferrari-sized engine going
20 miles per hour. Forced, continuous-endurance exercise induces
your heart and lungs to "downsize," because smaller
allows you to go further … more efficiently … with less
rest … and less fuel.

The
Danger of "Downsizing" Your Heart's Capacity

So
what's wrong with increasing durational capacity through downsizing?
Instead of building heart strength, it robs your heart of its
vital reserve capacity. Your heart's reserve capacity
is that portion of its maximal output that you don't use during
ordinary activity.

Let's
go back to the car analogy. Say you normally drive at a speed
of 40 miles per hour, but your car has the ability to reach
a top speed of 140 miles per hour. If you think of your heart
as the engine, your reserve capacity is the difference between
your normal cruising speed and that top speed.

So
if you downsize your heart and lungs, you have traded reserve
capacity for efficiency at continuous duration. That forces
those organs to operate dangerously close to their maximal
output when circumstances challenge them. This is a problem
you don't need … especially for your heart.

Heart
attacks don't occur because of a lack of endurance. They occur
when there is a sudden increase in cardiac demand that exceeds
the heart's capacity. Giving up your heart's reserve capacity
to adapt to unnatural bouts of continuous prolonged-duration
output only increases your risk of sudden cardiac death.

A
ground-breaking study of long-distance runners showed that,
after a workout, their blood levels and the oxidation of LDL
(bad) cholesterol and triglycerides increased. (High triglycerides
dramatically increase your risk of heart disease.) The researchers
also found thatprolonged running disrupted the balance of blood
thinners and thickeners, elevating inflammatory factors and
clotting levels – both signs of heart distress.

These
changes do not indicate a heart that's becoming stronger with
long-duration exercise.

Exercising
for long periods makes your heart adept at handling a 60-minute
jog, but it accomplishes this feat by trading in its ability
to provide you with big bursts when circumstances might demand.
The real key to preventing heart disease and protecting and
strengthening your heart is to induce the opposite adaptive
response produced by continuous cardio and increase your
heart's reserve capacity. Bigger, fastercardiac output that's
readily available is what you really need.

Recent
clinical studies show us the benefit of avoiding long-duration
routines and exercising in shorter bursts. Researchers from
the University of Missouri found that short bouts of exercise
were more effective for lowering fat and triglyceride levels
in the blood. Another study revealed that the duration of exercise
routines predicts the risk of heart disease in men. They found
that several shorter sessions of physical activity were more
effective for lowering the risk of coronary heart disease.

The
Secret to a "100-Year Heart" Is Millions of Years
Old

Our
ancestors lived in a world where their food fought back. Predators
attacked without notice. Humans had to run or fight – fast
and hard. These short bursts of high-output activity fine-tuned
their bodies and kept them fit.

We
still have the same physiology.

How
do you recreate that kind of physical challenge? The key is
to create an "oxygen debt." Simply exercise at a
pace you can't sustain for more than a short period. Ask your
lungs for more oxygen than they can provide. The difference
between the oxygen you need and the oxygen you get is your
oxygen debt. This will cause you to pant and continue to breathe
hard even after you've stopped the exertion. (Until you replace
the oxygen you're lacking.)

Here's
an example: Pedal a bike as fast as you can for 15 seconds.
When you stop, you'll continue to pant. This is the kind of
high-output challenge you can't sustain for very long. You
will have reached a supra-aerobic zone. This is very
different from doing an aerobic workout for 45 minutes.

Another
example: Do one-minute intervals – either running or riding
a bike. Work yourself up to a speed that you cannot sustain
for very long. After one minute, rest. You can rest by slowing
down to a very slow speed or (if you need to) you can stop
altogether. Do this 3 or 4 times.

With
these types of interval exercises, you'll quickly start to
build up reserve capacity in your heart. This is exactly what
you need to prevent heart attacks and heart disease.

[Ed. Note: Building up reserve capacity in your heart is the
basis of Dr. Sears' PACE® program. Learn about it, in detail,
in his book The
Doctor's Heart Cure.]

* Highly
Recommended *

This
One Really IS Priceless

Roundtrip
airfare to Florida from Oakland, Chicago, or New York? About
$225.

Hotel
room at the Delray Beach Marriott? $149 per night.

Developing
a marketing plan for your new online business that can make
between $100,000 and $100 million a year? Priceless.

Join
us at our October Info Marketing Bootcamp, and we'll work with
you to build your own customized online marketing plan that
can generate millions of dollars in sales every year.

But
the time to register is NOW, because only a handful of seats
remain! We've checked every nook and cranny of the conference
hotel, and there's no more room at the inn. Once these last
few slots are gone, that's it.

Attending
the ETR Info Marketing Bootcamp: "Making a Fast Fortune
on the Information Revolution" in Delray Beach next month
could be a dramatic turning point in your life. But remember,
your situation won't change unless you take action.

This
event will be completely sold out within a matter of days.
So if you've been thinking about joining us, I urge you to register
immediately.

-
Patrick Coffey

Ramp
Up Your Sales With One Simple Strategy

By
Derek Gehl

Unless
you live on Mars, chances are really good that you've been "upsold" at
some point in your life. Every time you're asked to "super-size" your
order at a fast-food restaurant or told that if you buy one
item you'll get the second for half-price, you're being upsold.

Upselling
is simply offering a related item to a customer who is buying
your main product. And it's a great way to boost your sales
by 20 to 30 percent – or even more.

At
the Internet Marketing Center, we rigorously test all our product
launches. And our tests have proven, time and time again, that
if you offer an upsell item with your main product, at least
20 percent of your customers will purchase it.

They've
already overcome the biggest hurdle – making the decision to
BUY something in the first place. If you offer them a related
item that adds value to that initial purchase, while they're
still in the "buying mood," chances are you'll make
an additional sale – and your customers will get more value
from their entire purchase.

To
come up with a good upsell offer, keep the following points
in mind:

*
Make sure your upsell item complements or adds value to your
main product. For example, if you sell printers, offer ink
cartridges – not a yoga mat. If your main product is something
people might like to buy in multiples or as refills (like fishing
lures or batteries), double the quantity at a discounted price.

*
Choose an item that costs about 30 percent less than your main
product. If you've just sold a bathing suit, don't upsell with
a trip to Mexico. Beach sandals or a towel would be much more
appropriate … and more likely to result in a sale.

*
Offer a "limited time only" discount offer to encourage
immediate sales. Let your customers know that they must take
advantage of your upsell offer RIGHT AWAY to get the special
price – or else they'll lose out.

*
Include your upsell offer in your order form. Simply add a
check box that says "Check this box to claim …" And
don't forget to include a paragraph or two describing all the
great benefits of the upsell item.

Surprisingly,
there are still many online entrepreneurs who are leaving money
on the table because they aren't offering any upsell products
to their customers. Don't make the same mistake. Start harnessing
the profit-boosting power of upselling today – and get ready
to watch your sales spike by at least 20 percent.

[Ed.
Note: Derek Gehl, CEO of the Internet Marketing Center, is
an internationally known Internet marketing expert. To meet
Derek in person and learn his techniques and strategies for
building an online business, sign up for ETR's Info
Marketing Bootcamp: "Making a Fast
Fortune on the Information Revolution". The event is practically
sold out ... so HURRY!]

Just
for Fun: An Official Seal for Your Business

By
Suzanne Richardson

Looking
for an emblem for your new business, your daughter's soccer
team, or your nephew's academic club? Look no further than
Says-It.com's "Official Seal Generator." Choose
from the site's range of borders, graphics, and colors to create
your own symbol.

I'm
no graphic designer (obviously) but here's something I whipped
up in about seven minutes:

It's
fun and free. You can also buy copies of your seal in the form
of stickers or refrigerator magnets, which you could distribute
to potential customers or leave with local businesses to distribute
for you.

[Ed.
Note: If you are interested in creating serious stuff, look
into AWAI's
Graphic Design Success program.]

* Highly
Recommended *

I
just wanted to say thank you for putting The Billionaire Way
together for others to learn from as well as myself. I have
made it a mission in my life to learn from the greatest minds
in history and business.

I
came from a humble beginning… searching. I found what I needed
to know in The Billionaire Way. My most important lesson was
they are all human just like you and me. They had special skills
which anyone can develop to attract that bit of luck we all
need in life… that extra edge.

These
lessons can be learned in The Billionaire Way and you don't
have to spend your whole life as a mission, as I have, to find
what I found here in The Billionaire Way.

I
enjoyed our call. It put the final touches together that I
have needed. If I do happen to get stuck on something thanks
for saying I can contact you again. People look to me for advice.
It is reassuring to ask and receive advice and have an enriching
conversation… I find it is rare.

Thank
you

Aaron
Kaggie
President. of Kaggie Holdings, Inc.
Kearns, Utah

Now
you can have a free one-on-one phone consultation with billionaire
mentor Bob Cox. As a special offer to Early to Rise readers
he will offer a free phone consultation to anyone who purchases
his Billionaire Way Program.

Please
click for all the details on this unique program.

Word
to the Wise: Exigent

Something
that's "exigent" (EK-suh-junt) requires immediate
attention. The word is derived from the Latin for "to
demand."

Example
(as used by Michael Andre Bernstein in The New Republic): "It
is true that the greatest modern novels ask more of us, and
of themselves as well. But within their own less exigent terms,
[Philip] Roth's novels amount to an impressive achievement."

Michael
Masterson
Copyright ETR, LLC, 2006

Have
a Question for Michael Masterson?

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

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