Most of us have heard of the importance of air purifiers in the home. No matter how much you clean, there is always something floating in the air. Toxins from cleaners, air fresheners, aerosol spray bottles, pet dander, dust, mold, etc. But what if you need to travel and still want fresh air? This is where a portable air purifier comes into play. When you need to leave home and go into a crowded airport, movie theater, waiting room, etc you can now wear a portable air purifier around your neck or on your shirt pocket and breathe much easier.
The portable air purifier works in a similar way to a standard air purifier. But it creates a zone in front of the mouth, nose, and eyes and repels the dust, smoke, pollen, allergens, dander, and anything else light enough to float in the air (up to .3 to 3 microns). Testing also reveals that the portable air purifier kills many germs that are not repelled before being breathed in. The level of toxicity does not affect how well the air purifier works. It repels or kills all germs and toxins, no matter how potent. This is a great way to avoid spreading viruses. Wearing a surgical mask protects to a point, but the viruses stick to the mask. The portable air purifier does not store the impurities.
There are numerous testimonies of people who have used air purifiers and noticed an immediate improvement in health. If you have allergies or sensitivity it is especially important when traveling to use a portable air purifier. During flu season and allergy season this really comes in handy. Instead of getting drugged up to feel better, avoid accessing these germs and allergens in the first place. One mother mentioned that before they got their air purifier the family would pass the flu around until everyone got it. Since they purchased the air purifier, they no longer take turns with the flu. Doctor’s offices and hospitals are especially prone to indoor pollution. Remember to take your portable air purifier to your next doctor’s appointment. It is better to prevent than treat.
Portable air purifiers are less expensive than standard air purifiers. The portable air purifier can run on lithium batteries or you can use the fast charger and a set of rechargeable batteries for unlimited use. Currently there is research being done to target even smaller particles down to the size of the influenza virus (.04 microns). The results look promising, but are still preliminary. Portable air purifiers are small, lightweight, and can be worn around the neck on clipped to a shirt pocket. A breath of fresh air is now for sale.
About the Author:
Hans Hasselfors is the founder of www.SubmitYourNewArticle.com. You may find varied home improvement articles in our article directory.
You may be aware that in a basketball game the assistant coaches keep an almost unending list of personal statistics for each player. Rebounds, assists, points, minutes played, etc.
Why is that?
Because they know that these individual statistics all add up to the bottom line.
The final score.
If they can achieve even a small incremental improvement in these individual statistics for each player this will have a compound affect on the final score.
And of course, it helps them know which players to give the most playing time too.
In marketing your business you should be just as disciplined. Which products and which ads and which media should you give the most playing time? Do you know?
What’s the point of designing and implementing an advertising campaign if you don’t know if it worked or if it was better than the last one?
What a waste.
How do you know where the best place is to spend your advertising dollars?
By tracking everything.
Incoming calls, emails, walk-ins, website visitors, etc.
Train yourself and your staff to always ask these questions. Where did they come from? How did they hear about you? Which ad did they call on?
Here is an example: Let’s say you place a classified ad in the newspaper at a cost of $135.00 offering a free report on your product. You could track the incoming calls in many ways (for instance by directing them to a free recorded message with a unique extension number or simply by asking them where they heard about the offer when they call).
Let’s say you receive 12 calls on this ad and 2 of them end up as completed sales.
What is your cost per prospect?
(Cost of Ad) / (Number of Calls) = Cost Per Prospect
$135.00 / 12 = $11.25
Your cost per prospect is $11.25
What is your conversion rate of prospects to sold clients?
(Number of Sold Clients)/ (Number of Prospects) = Conversion Rate
2 / 12 = .17 (or 17%)
Your conversion rate of prospects to sold clients is 17%
What is your cost per sold client?
(Cost of Ad) / (Number of Sold Clients) = Cost Per Sale
$135.00 / 2 = $67.50
Your marketing cost per sale is $67.50.
Now let’s say you place a display ad in a large local corporate newsletter and it costs you $450. You get 27 calls which turn into 4 sales.
Which ad is performing better?
What is your cost per prospect for this ad?
(Cost of Ad) / (Number of Calls) = Cost Per Prospect
$450.00 / 27 = $16.67
Your cost per prospect is $16.67
What is your conversion rate of prospects to sold clients?
(Number of Sold Clients) / (Number of Prospects) = Conversion Rate
4 / 27 = .15 (or 15%)
Your conversion rate of prospects to sold clients is 15%
What is your cost per sold client?
(Cost of Ad )/ (Number of Sold Clients) = Cost Per Sale
$450.00 / 4 = $112.50
Your marketing cost per sale is $112.50.
Depending on your products and profit margin both of these ads may be performing well enough to merit continuation. However, based on this information we would want to look for other opportunities to expand our use of the classified ad first.
This may seem a little basic but this information is extremely valuable and often overlooked.
The outcome of most athletic contests is normally decided by a very small margin, sometimes by as little as tenths of an inch or hundredths of a second, missing that pass completion by half a step or missing one basket.
One would suspect that most winners and losers in business are also determined by very small margins.
Not giving that extra little bit of caring and customer service. Not having your presentation skills honed, not including testimonials with your sales information. Not having the most effective headline in your ad or not having a headline at all.
And worst of all, not knowing which ads are working and which should be put on the bench.
“If at first you don’t succeed, try, try again. Then quit. There’s no use being a damn fool about it.” - W.C. Fields
Shawn Meldrum has spent the last two decades marketing everything from almonds to landscape lighting. He currently specializes in marketing for mortgage brokers, loan officers and real estate agents. For free mortgage marketing articles and much more visit: http://www.MortgageMarketingTips.com/
For years, many of us heard the phrase “Knowledge is Power.” We actively devoured books upon books to advance our knowledge in the hopes of gaining power. Some of us even adopted the attitude that I can learn anything from a book. Yes, knowledge is powerful, but knowledge alone will not advance you to that next level of success, whatever it is.
Until, individuals apply knowledge, their lives will not change. For real power lies in the ability to take knowledge from books and life experiences and apply it to achieve the desired end results. Applying knowledge sounds simple, but it is not necessarily easy. This may help to explain why a recent search on an Internet bookstore revealed over 15,000 books in and around the subject of self-improvement.
To improve your capacity to apply knowledge revolves around your capability to consistently set and achieve your goals. Of course, these goals are focused on your desired end results. Unfortunately, again, many individuals are get goal setters, but poor goal achievers.
Possibly, the following may help you:
1. Define your desired results.
2. Write your goal down.
3. Hone your expertise if needed.
4. Work your plan and plan your work.
5. Just do it!
And the next time you hear “Knowledge is Power,” maybe you will now say, “It ain’t so!”
Leanne Hoagland-Smith, M.S. President of ADVANCED SYSTEMS, is the Process Specialist. With over 25 years of business and education experience, she builds peace and abundance by connecting the 3P’s of Passion, Purpose and Performance through process improvement. Her ROI driven process solutions affect sustainable change in 4 key areas: financials, leadership, relationships and growth & innovation with a variety of industries. She aligns the strategies, systems and people to develop loyal internal customers that lead to external customers. As co-author of M.A.G.I.C.A.L. Potential:Living an Amazing Life Beyond Purpose to Achievement due for June 2005 release, Leanne speaks nationally to a variety of audiences. Please call Leanne a call at 219.759.5601 or email leanne@processspecialist.com if you are seeking amazing results.
Copyright 2005 Leanne Hoagland-Smith, http://www.processspecialist.com
Permission to publish this article, electronically or in print, as long as the bylines are included, with a live link, and the article is not changed in any way (grammatical corrections accepted).
When the summer rolls around and the air heats up, we all dream of having pools in our own backyard. However, before shopping for pools, it is important to be aware of safety issues. Make sure you are willing to take on the responsibility before you buy.
Do you have a lot of kids in your neighborhood? Pools are magnets for children! Be aware that if the pool is on your property, you may be liable for any accident that may occur. For safety reasons, the American Academy of Pediatrics does not recommend installing pools until your children are at least 5 years old. While they are certainly a lot of fun, pools can also be hazardous if the owners don’t take proper precautions.
Fences should be placed around pools to prevent accidental falls as well as uninvited guests. The fences should be at least 4 feet high and gated. Ideally, there should be latches and locks for when the pools are not in use. Ladders from above-ground pools should be removed when not in use.
All pools should be equipped with life preservers. Swimmers should always have a buddy, regardless of age; children in particular should not swim without adult supervision. Too many drownings occur in pools every year, and many of these could have been easily prevented. Many of these accidents occur in family-owned pools.
Another thing to think about before shopping for pools is the amount of time that goes into owning them. Pools need to be well maintained. They should be cleaned regularly, and checked for pH levels. Chemicals such as chlorine need to be stored in cool, dry, well-ventilated areas out of the sun, and they should be locked up when not in use. Covers should be kept on pools during long periods of non-use. This not only keeps swimmers out but also helps keep the pools clean.
Owners who follow simple safety guidelines can enjoy their pools without having to worry too much about catastrophes. Just remember that accidents can happen to anybody, and letting down your guard for just a moment may be long enough for that one tragedy to occur. With a responsible attitude and awareness, pools can be enjoyable for everyone.
Jeff Lakie is the founder of Swimming pool Resources a website providing information on Swimming Pools
Category: Uncategorized
An overview of penis augmentation surgery: is
it for you?
Most guys would never admit it, but probably all of us have
given some thought to penile enlargement surgery. Whether out of
curiosity, self-consciousness, embarrassment, or a secret
longing to be exceptionally well-hung, men very commonly seek
information about surgery to increase the length and girth of
the penis. In fact, a study of the top searches online shows
“penis enlargement surgery” to be consistently among the most
popular information requests.
And as anyone who has made such a search can tell you, there are
plenty of men who not only wonder about it, but who actually go
through with this major surgical procedure in their quest for
the ideal penis.
The evolution of penile enlargement surgery: methods
The surgical procedure to lengthen the penis was developed in
the late 1980s by Chinese surgeon Long Daochao. By 1991, penis
augmentation surgery began to gain momentum — but without the
monitoring or endorsement of the American Board of Plastic
Surgery nor the American Society of Plastic and Reconstructive
Surgeons. Still, even without a professional organization’s
safety and quality guidelines, many men sought out the surgery.
Those first patients may have thought they needed a bigger
staff, but apparently they had some balls: imagine being the
guinea pig for cosmetic penis enlargement surgery! The original
methods, which haven’t changed much since then, involved
attempts to lengthen the penis, increase the girth, or both.
Here’s how it works: to add the appearance of length, the
surgeon cuts the suspensory ligament that anchors the penis to
the body, allowing it to drop down and forward; in this way, it
is hoped that the portion of the penis that is normally held
inside the body cavity will stretch outward and appear as more
length. The penis isn’t technically “lengthened” so much as it
is uncovered or released from the body.
To add girth, doctors harvest fat cells from the man’s body,
usually from the buttocks or legs, then inject these cells into
the penis to create a thicker shaft.
More recently, surgeons have refined these techniques and use
other materials than fat as the implants: grafts of tissue from
the man’s own body or even from donor cadavers is now used to
widen or enhance the penis.
What are the Risks, results and costs?
For most men, the thought of any of these procedures is too
difficult to contemplate. But for others, the desire to change
their manhood for the bigger and better is still overwhelming.
Current estimates show that to date about 18,000 men have had
the surgery.
Yet the surgery is still considered somewhat risky and only a
relative few surgeons will perform it — right now, only about
30 in the U.S. — and then most will do it only if the patient
is mature, emotionally stable and has submitted to counseling
prior to the surgery.
Outcomes of early penis enlargement surgeries were often
disastrous: many men were rendered impotent or disfigured,
coming from surgery with freakishly shaped, red, raw, or in the
worst cases, terminally limp penises.
Today’s surgeons have more knowledge and experience in
performing these procedures, though critics still question the
reliability and safety of the operation. The ligament-cutting
method may create a gain of an inch or two in length, at the
risk of total loss of support of the erect penis, so that, in
the words of one man, “it flaps around like a helicopter blade.”
A surgically severed suspensory ligament can also cause
erections to point downward, or even cause total loss of
sensation and impotency.
The fat-injection method to increase penis girth can create
lumpy, asymmetrical and unappealing results. Once injected, the
fat can migrate unpredictably. Sometimes it bunches at the
center of the shaft, creating a strange, football-shaped member;
other times, the fat randomly lumps up so the penis appears
blobby and irregularly shaped. Often, fat will reabsorb
irregularly, so that over time the built-up girth is lost in
some places more than others. Fat injections almost always feel
soft, something like female breast tissue, even when the penis
itself is erect.
Currently, the risks have decreased somewhat, but certainly the
price tag has not: penis enlargement surgery currently runs an
average of $8,000.
Who is a candidate for penis enlargement surgery?
Even after considering all the risks, many men still opt for
penile surgery. How do they determine whether this is the right
choice for them?
First, a candidate should be in excellent shape, physically and
mentally. A doctor can assess overall health, determine whether
other health concerns preclude the procedure (high blood
pressure, history of urogenital problems, and so on) and make
recommendations for counseling or medication if necessary.
Next, it’s always wise to thoroughly study any cosmetic
procedure, particularly focusing on individual doctors and their
results.
Finally, only the prospective patient can gauge how deeply he is
affected by concerns about his penis. Risks and costs are
weighed against the possible benefits — but always, a realistic
view is the key. Men who dream of having a penis women would die
for must consider that their results may not match the image
they have in mind.
What are alternatives to surgery?
In recent years, the all-or-nothing nature of penis augmentation
discussion has changed: instead of being forced to choose risky
surgery or other barbaric-sounding manipulations of questionable
safety (weights, pumps, and other devices), men now have a whole
range of supplements and natural enhancements to address their
concerns safely. Virtually risk-free, these products have been
tested by doctors and proven to enhance virility and
performance! Safe, natural and showing an unbelievable success
rate, these are becoming a very popular alternative to risking
impotence.
Just like the preoccupation with the large penis, the
ingredients in these products have been around for centuries.
The ancient Chinese herbals blend with other naturally derived
botanicals and ingredients from around the globe, delivering a
powerful list of effects that has a lengthy record of giving men
what they want.
What’s new is the technology for creating and delivering the
ingredients in a purified, accurate formula. VigRX pills, for instance, are created in a
pharmaceutical-grade laboratory, in the exact blend of
ingredients and amounts to create better erections, increased
sensitivity, longer staying power and stronger overall sexual
health. VigRX Oil is a rub-on oil that uses German transdermal
technology to deliver the ingredients right through the skin and
directly to the genitals for very fast, almost instantaneous
effects on penis performance and sexual enjoyment. There are
even “patch” products now - Maxiderm patch, creates the same male potency
effects as VigRX, but in a transdermal application. Men just
apply the patch and start enjoying the benefits without having
to worry about taking pills.
On the topic of natural alternatives, another very popular new
product addresses a related area in which men often feel
inadequate: the amount and quality of ejaculate they produce. Semenax, an oral supplement, also consists of
all-natural ingredients, increases the volume of semen, the
vigor of sperm, and the strength of orgasms, giving better
“shooting power and distance.”
What is best for me?
Small penis size and inadequate sexual function are no laughing
matter. These problems can affect every area of a man’s life,
undermining confidence at many levels. Regardless of the degree
of anxiety about this, though, men should investigate very
thoroughly before taking any drastic steps.
Most men, after conducting a bit of research, prefer the natural
alternatives. They find that natural methods are much more
affordable, far more discreet, completely painless, and carry no
risk of irreversible damage. The best supplements, such as those
mentioned above, also have a money-back guarantee. And the
results are very promising — they work for nearly all men
regardless of the degree of difficulty they are having. Men
generally agree that even if they do fall into the small
category that does not benefit from natural methods, they’d
prefer to try the non-invasive supplements before opting for
pricey, potentially disappointing surgery.
If surgery still seems appealing to you, consult your own
trusted doctor to help you locate a surgeon who is very
experienced in penis augmentation surgeries. Always get a
medical recommendation or input when choosing your penis
surgeon; by all means, avoid simply choosing a name from a list
or a web site. The surgeon should be willing to share “before
and after” photos of his successful operations, which will help
you get a more realistic idea of what are the possible or likely
outcomes. Be sure to ask about downtime and recovery following
the surgery, and about post-op pain management.
Whatever choice you make, know that you’re not alone in your
concerns. Most men have had the same questions you do!
Many companies manufacture dance wear, costumes and fleece warm up clothing for professional ballet dancers and students of ballet. Ballet dancers usually wear either tights or leotards for comfortable body maneuver. The tights worn depend on the type of slippers that the dancer wears. They can be footed with an elastic strap at the foot that is hooked onto the heel. Tights can also be footless ending at the ankle. Ballet tights are made of nylon, micro fiber, fishnet and other materials. Tights come in a variety of colors, with the most popular being pink and black. Most dance schools require pink, footed tights for girls and black tights and white socks for boys. Brand names include Prima Soft, Danskin, Capezio and Mondor.
Leotards are available in a variety of designs and interesting fabrics like ribbed cotton and velvet. Some of the more popular styles include the double-strap or cross-strap camisoles by Capezio, Leo’s Dancewear and Motionwear.
There are no specific brands of shoes that schools require but many encourage that girls wear pink and boys wear black or white for ballet. Popular ballet manufacturers are Sansha, Bloch, Grisko, Capezio and Prima Soft. These companies have popular full-soled and split-soled shoes. Capezio sells leather Romeos, split-sole ballet shoes designed especially for men.
Ballet dancing instructors can be strict about accessories, but most allow short skirts to be worn during variation classes, but only at the instructor’s discretion. Some allow skirts that match your leotard, such as the Mirella collection that has skirts color coordinated to their leotard line. Some allow for creativity, and students can opt for the hand-dyed look of Watercolour skirts.
Fun accessories include unique dance bags and warm-ups. A popular style with girls and boys is the rip-stop nylon shoulder or messenger bags with cell-phone cases attached and bowling bags, along with the more traditional athletic bags. Jewelry is generally taboo, but girls are usually allowed to wear stud earrings.
Dance Wear provides detailed information on Dancewear, Ballet Dancewear, Liturgical Dancewear, Competition Dancewear and more. Dance Wear is affiliated with Salsa Dance Shoes.
The difficulty of going to a betting hall can be sufficient reason not to go there altogether. Certainly traffic jams, the difficulty, and task list this entails don’t seem worth the troubles merely for that possibility to lay your bets at betting hall, nonetheless, if you happen to be the type who is consummately frenetic about gambling then going virtual should be an alternate option. It isn’t necessary to abandon the comfort of your home to have a go at online wagering for the reason that you’ll do everything from your home provided you own a functional computer and, obviously, a functional Internet connection. Though allowing for that, don’t hold your breath too soon because there’s lots of pointers which you’ll need to mug up concerning online wagering, notably if you are still a newcomer to this field.
The very first thing which you as a canny internet plunger positively should pursue is an online wagering web site of the type which promotes the best winning odds. Make sure that the online wagering web site is tied up with a reputable, secure certified public accountants company so as to examine the quoted wagers payout odds on a monthly basis. Always take care to check that the virtual casino fun web site holds a license, for example by verifying the government certified operating permit onsite. If it’s impossible to pick out any government certified operating permit on a selected virtual casino fun web site, don’t try to lay your bets on that site. Visit this top online gambling specials here.
Beyond that, another big advice could be to risk a game at first in modest amounts rather than disburse so much it will hurt instantly. To begin with, check the integrity and status of this particular virtual casino fun structure prior to provoking any major hazard, notably financial ones… The final tip concerning online texas holdem. It must be this- to never lose sight of the fact that online gambling is all about having fun and much less about making money. Gambling is certainly no trade, on the contrary - it’s a leisure pursuit which is intended to help you feel cheery and your life as a whole satisfying. Once you have observed all the instructions described above, you can acquiesce to the enticement of virtual casino fun!
Once you have found the home that you would like to buy and have begun the process of closing on the house, you will need to begin searching for a Homeowners insurance policy that meets your needs and your budget.
Depending on the part of the country you plan to live in, the size of the home being purchased, and the amount of theft prone possessions inside, insurance price quotes can vary greatly. But most price quotes from a private insurance company will fall between $300 and $1500 a year.
Hopefully you are working with a helpful realtor who has already informed you of the importance of shopping around for Homeowners insurance price quotes before deciding on a coverage plan that is right for you.
If a realtor has not told you already, it is best to call at least three different insurance companies to get price quotes for your home. You may already have an insurance company in mind, possibly one that handles your parents’ insurance needs or one that already handles your car or life insurance.
If you don’t already have an insurance company then don’t be afraid to simply search online or through the telephone book for insurance companies. You may also recognize names from advertisements. Feel free to use these names as a starting point for a price quote.
Whichever insurance companies you decide to begin your search with, make sure you get at least three different price quotes from three different agencies before settling on the best quote for your home.
Before you begin calling the insurance agencies regarding a price quote, it is best to have hard knowledge about the home you are purchasing. This includes the current appraisal value of the home or an estimate from before the house was put up for sale.
You will also want to have a list of the dimensions of the home and the amenities inside the home, such as the square footage of each room and any special flooring, countertops or architectural design that adds to the value of the home.
As well, before you get started have a list of belongings that will add value to the home, such as appliances, furniture, jewelry and any major artwork or collectors items. Having all of this information ready can speed up the rate quote process.
With the advent of technology and computers, many major home insurance companies have begun placing information for quick 10-15 minute rate quotes online. This frees you up from having to speak to a representative on the phone, who may be trying to talk you into insurance that you don’t need.
Many of these websites also provide information explaining different types of insurance, so you can feel free to sit and read over the information without feeling as though you are asking too many questions.
Some of the major insurance companies that have information available online, as well as quick rate quotes for Homeowners insurance include Allstate, State Farm, Liberty Mutual, and Travelers insurance companies. Of course there are several other insurance companies available online, so take time to research these companies if you have access to a computer and the Internet.
If you have tried several insurance companies and still aren’t happy with the price quotes being offered, try switching up the details of the plan. Before locking yourself into an insurance rate you are unhappy with, ask about changing the deductible, the coverage costs or even the personal liability insurance.
It really is a personal preference as to how much insurance is enough insurance for your family, so keep in mind that if you feel like you can’t afford the price quotes being offered, there are ways to make payments more manageable.
One of the best ways to manage the yearly payment of Homeowners insurance is simply to increase the deductible, or the amount the homeowner will pay before the insurance company steps in and begins paying for damages or loss. Most insurance companies will require a minimum deductible of either $250 or $500 but the homeowner can easily change that deductible to $750 or $1000 to reduce the annual payment.
If this still doesn’t work in giving you a fair price quote, speak to the insurance agent and ask for options regarding reducing the rate. If you give them a ballpark figure of how much insurance you can afford a year, most often they will work to help you attain these figures.
You may even want to consider adding security or fire safety features to the home, if that insurance company offers a discount for these features. Although it may cost a bit of money out of your pocket to add these features, it will save your insurance premium in the long run.
Credit: Ian W Anderson of homeownersinsurance.cc, the homeowners insurance information site. For more homeowners insurance information and articles like this one visit: Homeowners Insurance
TURBO-CHARGED KILLER RATE SAVING INFORMATION!
Let’s just take a brief moment to recap:
If you’ve been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 2 very important things:
- You now know how to take advantage of zero to low interest credit card offers.
- You now know that there is safety in numbers, and you know the magic “Who’s Who” of the major credit card companies. You know that one of them, in my opinion, stands out for consumers.
With me? Good. These are both essential foundations that you need to follow in order to live in Credit-Card Utopia.
Now, let me flavor it up for you.
What could be better than zero interest credit cards? What could be better than having the best, lowest, guaranteed credit card in your wallet?
1) How about cash? Would that work for you?
How about a big fat check at the end of the year, in the thousands and thousands and thousands of dollars?
Would you like to get PAID thousands of dollars each year, just for spending money that you ALREADY SPEND?
You might realize that I’m not talking DIRECTLY about interest rates. But listen, I can’t get much lower then zero interest. I need you to think creatively with me now.
2) Rewards Cards, otherwise known as incentive-based credit cards. Let’s start there.
These are no secret. Many of us have rewards cards. I have several, in fact, and I get many rewards for spending with them. I get airline miles, and I get gas vouchers, and I get discounts at online stores…AND…I get Cash.
But let me talk about a HUGE secret that most people are not yet fully exploiting for their personal and financial gain.
3) My family and I are just now getting into making money with Cash-Back offers:
Cash rebates, Cash-Back cards, those are the ones I want to focus on with you here, for a second.
How do these cash-back cards lower your interest rate? Well, at this stage, it’s a semantics game, but if you have 9% interest for example, and you use a cash-back credit card that pays you 3% on all transactions…Well, that’s like getting a 3% discount on the rate, so your charge is more along the lines of 6%. It’s not EXACTLY like that, but you get the point.
More importantly, let’s dig deeper.
4) I’m going to tell you how to TURBO-CHARGE this mechanism, and EXPLOIT IT FOR EVERYTHING it’s WORTH.
You see, your credit card company wants you to spend as much money as possible with their plastic.
Yes, they’d like to charge you interest on debt. But even if you pay it off every month, did you know that they still make a profit on the transaction from the Merchant fees?
Yes, the credit card charges the merchant a fee for swiping your card. It can range anywhere from 1% to as high as 6%…
It does not impact you the consumer (directly), but it does give you some insight into why you can become business partners with your credit card company.
5) Secret # 3 revealed: Here’s what my family and I are doing:
We use our cash-back credit card for EVERYTHING.
We simply have restructured our spending so that all expenses, or almost all expenses, go through our cash-back credit card.
Grocery stores, restaurants, shopping, dining, gas…Everything. In fact, as of the writing of this article, American Express® has developed a Bill-Pay type system so we are able to actually pay some of our bills using our cash-back credit card.
Can you imagine? A credit card company developing online bill-pay. Now, how SMART is that?
6) Let me ask you something. How much money do you spend every year on expenses?
Don’t get your calculator out, because the answer is simple. You basically, spend….AS MUCH AS YOU MAKE…
The vast majority of us do. So, let me ask you the same question a different way: How much money do you make?
How much is 3% to 5% of that?
I’ll give you an example. If the average household income (and expenses) were around $50,000, then that means a savvy consumer, with a cash-back credit card, could generate a check every year of between $1500 and $2500.
7) Holly Cape Canaveral, Batman!!! That’s $2500 free cash dollars, every single year!
What would YOU do with all that free money? Buy a vacation, a new TV, some jewelry?
Are you getting it, now?
You must start looking at the Cash-Back credit card as more then just an incentive or reward.
Frankly, it is a new source of income.
Now, here’s the nitty-gritty on how we do this. It’s simple.
The first step, is we gathered all our credit cards, put them in an envelope, and put that envelope in our lockbox in the attic. We replaced all our plastic in our wallet with the cash-back credit card of choice. We also put an emergency debit card in our wallet, but the primary method now for spending, is to use the cash-back card. This takes care of gas, food, restaurants, etc.
The second step, is the process of restructuring expenses through the online bill-pay system with our cash-back credit card company.
We re-route as many expenses as possible through our cash-back card. It takes a little time, and doesn’t happen in one day.
But do the legwork. Be a smart consumer like my family and I.
9) There’s a perk, too!
The perk is outstanding! Have you considered, that my family and I only really have one payment a month to make? That’s the goal we’re moving towards anyway.
So, think about how many bills you pay each month. Wouldn’t it be nice to just make one payment out for all your expenses, rather then a check to the gas-card, a check to the utilities, a check to the Credit Card Company, etc.?
Think of the convenience and time saved, to just make one payment out each month.
10) A lot of information to take in, yes? Let’s pause here:
If you’ve followed my train of thought, then you’ve come to the Secret knowledge of how to extract and exploit the power of these cash-back cards for everything they are worth. If you do this, even just the first part, you will take a money saving incentive program, and turbo-charge it into an actual income producing technology!
Pretty, cool, huh? SHHH! It’s a Utopian secret.
We’ve enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.
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About The Author
Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products. His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services. You can check out Tom’s website here: http://loanresource.org, or you can email Tom at info@loanresource.org.
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