Selling Your Endowment Policy

Your endowment policy is a type of insurance, that will cover your home’s interest when it becomes due. So when the interest on the mortgage is due, you will be insured that your endowment policy will cover the entire amount. At least that is what they thought in the 70’s and 80’s. Due to the shortfall of these, that doesn’t hold true anymore, and these policies will no longer cover the full amount that is due.

However, don’t throw away that policy yet. There still might be some value for it, if you decide on endowment selling. Now a lot of people in the UK are selling their policies for really low prices. You don’t have to sell your policy for less value. In some cases, your policy could bring in 35% more than it is worth. It’s all about finding the right buyer, to buy your endowment policy. Endowment Express is a service for finding a buyer for your endowment policy. Let their expertise search for a buyer for you. They will be sure that every possible purchaser or specialist buyer gets a look at your endowment policy.

Smorty Is Here!

There is another company that I have recently found, that connects bloggers with advertisers. Smorty is a service that can be valuable to advertisers, and also help bloggers to earn some additional money from their blogs.

Making money from your blog is pretty easy to do. Smorty can help you get paid for blogging. You just have to submit your blog, and once it is approved, you can start earning money. You can check out the new opportunities that are available. You will see the amount it pays, and the task details for it. You just follow the rules at Smorty, and add links from the advertisers in to your post, on your blog. Once it gets approved, you will get paid weekly to your pay pal account. It’s that easy!

Advertisers could use Smorty as well. It is becomming very popular for people to promote their services or products through blogs. Blogs is a great new way to advertise. Smorty can take your products or services, and turn it over to their bloggers. Where you start to earn more visibility online, and will see a big increase of traffic to your website. The search engines will pick up on this, and you will get higher search engine rankings, by advertising through blogs.

So it’s time for advertisers and bloggers to get excited about Smorty! Advertise on blogs, or get paid from blogging. It’s your choice, and you will like the results either way. Let Smorty help you start earning more money, and you will see the results immediately!

Top 10 Cell Phones of 2006

Do you think your cell phone made the grade? If your not using one of last year’s top 10 phones, then you might want to change phones. There has to be a reason why these 10 phones were the best. So here is the top 10 phones of 2006, that was named by Wirefly:

1) Cingular RAZR by Motorola

2) T-Mobile RAZR

3) Verizon Wireless RAZR

4) Cingular Sony Ericsson 

5) T-Mobile Motorola v360

6) Verizon Wireless Motorola v276

7) Sprint Nextel Motorola i850

8) Sprint Nextel Motorola i710

9) Cingular Motorola v220

10) T-Mobile Samsung T309

So did you see your phone up there? I think the Motorola RAZR V3i is the phone I like best. I’m not too much into the color thing. So just give me a gray or black phone and I’m happy. I do think some of the colors look good, and will make your phone stick out. I think the kids like letting people know they have cell phones. So I assume the kids really like all the colors that are available in cell phones. Let me know which phone you like the best, and what’s your favorite color?

Now if you want a free phone. It’s easy to do at Wirefly. Go take a look at all the choices, so you can get free RAZR phones at Wirefly.  They have a big selection, and I’m sure you will find a phone that will suit your needs.

Purest Garcinia Cambogia Extract – Highest Grade & Quality – 95% HCA Content – Pure & Potent – Extra Strength Fat Burner – Natural Weight Loss Supplement – 60 Capsules – USA Made By Natures Design

Purest Garcinia Cambogia Extract - Highest Grade & Quality - 95% HCA Content - Pure & Potent - Extra Strength Fat Burner - Natural Weight Loss Supplement - 60 Capsules - USA Made By Natures Design
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The Natures Design Difference – Money Back Guarantee (no questions asked) We use only the most pure, most potent and high quality ingredients available in our all-natural dietary supplements. We do this because we want our products to work for you time and again. We want you to be a customer for life! All of our products are manufactured in the U.S.A. under the strictest cGMP standards as defined an overseen by the FDA. This means a 100% Unmatched Weight Loss Experience -backed by our 30 day, No-hassle, 100% Money-Back Guarantee.

SE GP1012BB10 10″ Black Plastic Gold Mining Pan with Two Types of Riffles

SE GP1012BB10 10
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SE is proud to present our 10” Black Plastic Gold Pan with Two Different Types of Riffles. Why Choose SE’s Plastic Gold Pan over Traditional Metal Pans? (1) Plastic does not rust or corrode. (2) The riffles trap the gold better, making your pan as effective as a sluice box. (3) Plastic weighs a lot less than the metal pans. (4) The color stays true in the plastic pan so the gold flakes are easier to see. SE products are quality items for extremely reasonable prices. SE is committed to providing….

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Tiger Woods Unbeatable

I always wondered when someone would take the golf world by storm and now I think I know. Golf has never really had someone that was really dominate before and I figured it was just a matter of time, until someone would tear up all the old records. I think Tiger Woods is that man and he’s on pace to set a lot of new records. He’s already took golf to a new level and he’s so strong, that he is unbeatable on the PGA Tour right now. He has brought so much to the golfing world and Nike golf too. I think Nike will cash in more with Tiger Woods than they did with Michael Air Jordan.

One thing that makes Tiger such a strong player is his ridiculous tee shots that he hits. He can send the ball down the fairway as far as any other golfer on the PGA tour. When you then factor in his iron game and just how competitive he is there; is when you can start making the case for one of the best golfers ever. His work on the greens is really 2nd to none and his whole game is just so complete. Many golfers can play as well as Tiger in one phase of his golf game. It’s when you combine all 3 phases together (tee shot, fairway with the irons, and putting on the greens) that make Tiger an invincible golfing machine. He’s going to be so tough to beat for the next decade or so and there doesn’t appear to be any golfers on the horizon that has all the tools that Tiger Woods has.

Airbrush Tattoos

If your in the market for a tattoo, then you might want to consider a temporary airbrush tattoo. Before you get the real thing, it would be better to experiment on a temporary one. So in the days that follow, if you don’t like it. Then you don’t have to be stuck with it for life, or have some procedure performed to remove the tattoo.

The TAT (temporary airbrush tattoo) Store can get you started on a tattoo. They have all the equipment available for you to start getting your tattoos done. You can get the whole system that will include compressors, air hoses, spray guns, stencils, displays, body ink, and body crystals. Plus, you will get all the training that you need, so you will be putting on the tattoos correctly. It’s a great opportunity to even start your own tattoo business. The TAT Store will even provide you with marketing and technical support, to help your business succeed. So this isn’t just something for you, but could be a money making opportunity as well. This will be a service that the kids and adults would all be taking advantage of. You will probably be the only one in your community, that they can come to for a temporary airbrush tattoo. 

NFL Season Starts Tonight!

It’s time to get the nachos, potato chips, or the hot wings ready to munch on for the game tonight. The NFL season kicks off tonight and it will be showcasing two of the best quarterbacks in the game today. The Super Bowl winning Colts will have Peyton Manning and his opponent will be from the swamps of New Orleans in Drew Brees. I love watching both of these quarterbacks and it should be a high scoring contest. I am going to say the Colts win this one 44 to 37 in the NFL’s first game of the year.

Not only do you have the two best quarterbacks in the game today going at each other, but you also have the star rookie from last year in Reggie Bush. He is an incredible player to watch too, and he is worth the price of admission. He set a rookie record last year with 88 receptions and it should be fun to watch him add on to this total tonight. The Colts have lost key people on the defensive side of the ball, so the Saints should have no problems putting up the 37 points I have them down for. I just see Peyton as being the best ever and I think he finds a way for his team to win late and they will go over 40 points to do this. He will have a new wide receiver to throw to this year too in the rookie Anthony Gonzalez. It should be interesting to see how this 1st round pick by the Colts does in his rookie season with the best quarterback in the game throwing to him. Just buckle up your seat belts, because this is going to be one big offensive explosion and the winner will be the one who has the ball last or figures out how to stop the other guy!

YOU: The Owner’s Manual, Updated and Expanded Edition: An Insider’s Guide to the Body that Will Make You Healthier and Younger

YOU: The Owner's Manual, Updated and Expanded Edition: An Insider's Guide to the Body that Will Make You Healthier and Younger
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Between your full-length mirror and high-school biology class, you probably think you know a lot about the human body. While it’s true that we live in an age when we’re as obsessed with our bodies as we are with celebrity hairstyles, the reality is that most of us know very little about what chugs, churns, and thumps throughout this miraculous, scientific, and artistic system of anatomy. Yes, you’ve owned your skin-covered shell for decades, but you probably know more about your cell-phone plan than you do about your own body. When it comes to your longevity and quality of life,….

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How to Invest in Gold and Silver: A Complete Guide with a Focus on Mining Stocks

How to Invest in Gold and Silver: A Complete Guide with a Focus on Mining Stocks
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Want to invest in gold and silver, but aren’t sure how? How to Invest in Gold and Silver is a practical guide for investors who are new to the emerging gold and silver markets. Written in clear layman’s terms, this forward-thinking book is packed with information to help gold and silver investors navigate an exciting, timely and largely unexplored market. How to Invest in Gold and Silver includes: •An overview that explains the wisdom of gold and silver investments in today’s economic environment. •Indispensible information….

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Life Insurance Is A Good Investment

Many life insurances are cheap and life insurance no medical exam are out there too! So it’s not like you have to go through a lot of doctors or difficult tasks to get a life insurance policy set up for yourself. The little time that you take to get a policy on yourself and the few dollars you might spend on it each year could make all the difference to your family and loved ones, if something unfortunate was to happen to you. So please keep the people that depend on you in mind and think about getting a life insurance policy if you don’t already have one.

New York Attorneys

There are many attorneys you can choose from in the Big Apple. You can find one on about any street corner in New York City, according to a friend of mine that lives in Queens, New York in an area known as Howard Beach. She talks about all the lawyers that live in New York and the reasons why so many are needed. No matter what legal situation you find yourself in, then you can be confident that NY will have an attorney for your needs.

If you were someone that was in an auto accident, then you could easily find a New York car accident lawyer. They would be able to defend you if it was the other person’s fault or if it was your fault, then they could help you limit the damage that could be done to you financially. Most of the time when you’re involved in an accident, you know that your car insurance is going to increase. Maybe hiring the right attorney can help you with your insurance companies too, to try and prevent paying in a higher rate than what you’re currently paying. Just remember New York is the home place for a lot of good attorneys and if you find yourself in any legal troubles, then seek out the one that can help you the most!

Jeeps Are The Way To Go

     Looking for a new vehicle? Ever considered a Jeep? Lots of advantages to jeeps. They can go off road in the mud, great for icy/snow conditions in winter time, and in the summer you have a convertible. Just take the top off, turn the radio up, and it’s a great summer evening ride.

     I have owned two different jeeps in my lifetime. I have driven several different vehicles. Your sporty cars and hand duty trucks are good for their own thing, but I think jeeps have the most versatility. If your in the market for a new vehicle, be sure to check out the jeeps before making that purchase.

Top rated home business for Moms

A Top Rated Home Business For Mom!
by: Roger Staubus CPA

This article rates a home business opportunity using my “New Approach for Rating Home Business Opportunities,” of 11 major and 7 minor attributes. Each major attribute can be worth 7 points, while each minor attribute can be worth 3 points, with 98 points as a perfect score. Of course, there are no perfect scores for home business opportunities. The 11 major attributes are-

* Product or service
* Product price and market competition
* Company
* Proven business system
* Available Support system
* Available training and resources
* Compensation system
* Profitability – has good profit margins
* Costs involved – both startup and recurring costs
* Will I have full control over my business?
* Can I work this business at my own pace?

The 7 minor attributes are-

* How is the product delivered to the customer?
* Does the product/service have an automated delivery capability?
* Is the Company “On the Net” and E-Commerce enabled?
* Are you supplied with business tools to make your life easier?
* What level of administration is required?
* Consider whether you will be ahead of or behind the trends?
* How great is the potential to make money in this business?

The Company is Sensaria, a Washington state private company that sells Natural Body Care products. The product line includes Skin Care, Body Care, Sun Care, Home Care, and Hair Care products, all of which are sold by individual representatives. There are about 3,600 representatives. The Skin Care and Hair Care products (not makeup) are naturally based with no chemicals, which many people prefer, are consumable and representatives have personal web sites which customers may go to for repeat product purchases. Sensaria is a member of the Direct Selling Organization, which is a significant consideration. The company is about 20 years old, but has been using direct sales for the last five years.

Representatives schedule and hold Spa Parties where products are sampled and introduced, used and sold. The parties are fun events for women and those in attendance have a good time. Representatives plan for product sales, to book additional parties with those in attendance, and to recruit new representatives for the company, with individuals seeking to earn additional income. The cost to become a representative is $180, and another $50 for items that representatives use at Spa parties and for office supplies. Even though each representative has a personal web site for product re-orders, this business opportunity is an offline opportunity, as compared to an online internet business opportunity.

Eleven Major Attributes

* Products are very well received. Women love these products and purchase them eagerly. Samples used at the Spa parties are very effective in producing product sales. This major attribute is the crucially important one for this home-based opportunity. Because the products are consumable, this is a very favorable situation for a representative. This attribute gets a 7 rating.
* Product pricing is competitive in the market place and market competition is moderate. In this instance, a 5 is awarded for this attribute.
* The company is well respected, stable, and can be counted on to deliver on promises made. So this consideration gets a 7 rating.
* Proven business system. Sensaria has a very effective business system for beginning reps that includes getting Spa parties scheduled, presentations for the party, securing bookings for additional parties at each party, and prospecting for potential new representatives. Free products provide good motivation for individuals agreeing to host a party. After a Spa party, each rep has a business suite installed on their personal computer which allows the rep to transmit the orders to the company for efficient order processing. This consideration gets a 7 rating.
* The available support system is generally good, as each new rep has an upline person for questions and problems that may arise. This consideration gets a 5 rating.
* Available training and support is good for this company. New reps attend teleclasses to learn the ropes as beginning home-business entrepreneurs. Teleclasses are one hour in length and about 50 individuals may be involved in each call. More experienced representatives conduct these teleclasses.
This consideration gets a 6 rating.
* The Compensation system is a good one. Each rep earns 30% of the product sales value for each party, and has the chance for bonus amounts each month based on their total product sales. These bonus amounts vary from 6% to 9% of product sales for the month. In addition, a rep earns a 5% override for any reps they have recruited. After 3 recruits, the overrides go four levels deep. For any checks received at the parties, the rep deposits them to her bank account, and remits 70% of the sales value to the company via credit card payments. So rep earnings accumulate quickly during each month, and are available immediately. This consideration gets a 6 rating.
* Costs involved are $180 for the beginning product kit, and approximately $50 for supplies, most of which can be purchased at low-cost at Wal-Mart. The rep will have travel costs to and from each Spa party, and office supplies will be needed for record keeping purchases.
* Will I have full control over my business? The answer here is an unequivocal yes. There are no monthly sales quotas, but purchases of $75 wholesale are necessary to remain active. A rep can go inactive periodically without penalties. This attribute gets a 6 rating.
* Can I work this business at my own pace? The answer is yes, and this attribute gets a 6 rating.

Seven Minor Attributes

* How is the product delivered? The products sold at a Spa party are shipped to the hostess for that party and she delivers the products to customers who purchased. This consideration gets a 2 rating.
* Does the product/service have an automated delivery capability? Not in the sense that e-Books and software can be delivered immediately as downloads after purchase. Each rep has a web site for customer re-orders and they are shipped to their home address. This consideration gets a 2 rating.
* Is the company “On the Net” and E-Commerce enabled? Yes, this consideration gets a 3 rating.
* Are you supplied with business tools to make your life easier? Yes, each rep gets a business suite for submitting orders and other tools as well. This attribute gets a 2 rating.
* What level of administration is required? Keeping customer records, party records, contact records are required for a rep to be effective, and to earn as much as possible. This attribute gets a 2.
* Consider whether you will be ahead of or behind the trends. I don’t know the answer for this one, so I am not assigning any number for this consideration.
* How great is the potential to make money in this business? It has very good potential, a new rep can earn from $800 to $1,000 in their first month. Downlines can be willed to family heirs. This attribute gets a 3 rating.

Total Score

The Company has scored a total of 66 points on the 11 major attributes, and 14 points for the 7 minor attributes, yielding a grand total score of 80. This rating approach requires a 90+ for an Excellent rating, 70+ for a Good rating, 50+ for an Average rating, 30+ for a Poor rating, with zip for an opportunity considered to be a scam. Based on this approach, this is a GOOD home business opportunity.

About the author:
Roger Staubus CPA http://www.goodhomebizopp.info/index.html
Author of the Free e-Book “Looking for a Good Home Biz?” and of a previous published article, “New Approach for Rating Home Biz Opportunities.”

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Tri-Blend – Pure Garcinia Cambogia HCA, Green Coffee Bean and Raspberry Ketones Complex- By Nature Bound

Tri-Blend - Pure Garcinia Cambogia HCA, Green Coffee Bean and Raspberry Ketones Complex- By Nature Bound
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We use only the most pure, most potent and high quality ingredients available in our all-natural dietary supplements. We do this because we want our products to work for you time and again. We want you to be a customer for life! All of our products are manufactured in the U.S.A. under the strictest cGMP standards as defined an overseen by the FDA.