From: Bob Osgoodby - bob@adv-marketing.com
The Business Organ for the Small Business Community
Sponsor - Advanced Marketing at http://www.adv-marketing.com

** Biz-Tips by Dr. Kevin Nunley – Reach Techies

** Trivia

** Featured Article - 5 Steps to Credit Card Debt Reduction With a DIY System. by Peter Webber

** Quote of the Day

** A Little Levity – Slow Down

** Stress Tip by Dr. Rae Baum

** Handy Household Tips

** Health Tip of the Week – Depression

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- 8/11

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Welcome

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Stupid Quotes

"Mattie's Restaurant and Yoghurt Palace, 'An alternative to Good Eating'"

- Restaurant Business Card from Decatur, Texas

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- 10/27

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Biz Tips
by Dr. Kevin Nunley

Reach Techies
 
The best way to reach techies early in your marketing campaign is to start word-of-mouth.  Give away early versions of your product or service.  Encourage super enthusiasts to spread the word to everyone they know. Add lots of impressive features.

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Looking for ways to market your product, service, or idea? Ask Kevin! He'll give you fresh promotion ideas free. Reach Kevin Nunley and his staff of marketing experts at kevin@drnunley.com or 801-328-9006. See the promotion packages that are working best for his customers at http://DrNunley.com

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Trivia

Official FDA guidelines allow whole pepper to be sold with up to 1 percent of the volume made up of rodent droppings.

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- 10/20

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**Featured Article**

5 Steps to Credit Card Debt Reduction With a DIY System.
by Peter Webber

Have you succumbed to the lure of credit cards and found yourself in a bit of a pickle because of it?

Pull up a chair and have a seat - Welcome to the ever growing club of consumer debt. Your biggest challenge now is to dig yourself out of this situation and avoid having to pay anyone to help you do it.

The options at this stage are usually as follow (depending on the level of credit card debt):

•       Consolidate into a loan.
•       Debt Management.
•       Bankruptcy.
•       Do Nothing.
•       Just pay off the cards over as long as it takes.
•       Make the minimum payments and keep spending.
•       Make an effective DIY plan. (Do It Yourself)

The more popular solutions - such as consolidation loans and debt management -we see being touted everywhere are the ones that put your money in other people’s pocket. I don’t know about you but for me becoming free from debt should not involve spending more money, or *borrowing your way out of debt*.

So how does a DIY system work?

To break it down into 5 steps it looks something like this:

1.Address your spending habits and why you are in this situation.

To ever win with money and have a comfortable financial future you have to control your money ­ not the other way round. Take complete control and set yourself some realistic yet desirable goals for the future.

2.Know your options, the ins and outs of how they work ­ and why they are not for you.

Along the way you will be tempted by quick fix ‘make it all better’ solutions like consolidation loans and debt management. As mentioned already there is a multibillion dollar industry making a very healthy profit from consumer debt. Your DIY plan does not involve *paying to get out of debt*.

3.      Know your situation.

Any debt relief system requires a bit of budgeting. As long you’ve followed the rest of the plan so far, have desirable goals and no intention of taking an easy  -and expensive ­ way out you won’t have trouble budgeting.

The other thing to know is your credit score. There are a staggering amount of mistakes found on credit scores that result in people paying more interest than they should. If you are eligible for lower rates and 0% APR cards to move expensive balances on to ­ you need to know about it.

4.Minimise outgoings, Maximize income and leverage your cash flow.

If you could be paying less for utilities and day to day expenses you should. There is a very fine art of money saving that you will become very good at if you’re going to be successful at this.

Home economics, consumer education and bargain hunting can save you incredible amounts of cash that can go toward paying off your debt quicker.

If you’re really serious you can take it a step further and create a secondary source of income. Be it a second job, or using a natural skill/strength you have that can earn you money in your spare time.

With the opportunities available online it’s never been easier to find those who are seeking out some knowledge, experience and skills that you have and that they would pay you money for.

5.Form your system and put it into action.

Having followed the first 4 steps and laid some sturdy foundations you are now in a position to develop a quite powerful ‘snowball’ plan. That is a system that gains momentum as you execute it.

This step is completely dependant on the first 4 steps and generating an extra figure that you can assign to snowballing your credit card debt. As the debts get paid off the figure grows and subsequently clears the rest of the debts a lot quicker ­ saving you a tidy amount of interest in the process.

It is very possible use a DIY plan and enjoy great success from it, yes it takes a bit of hard work and discipline on your part but the alternatives just cost you more and keep you in debt for longer.

It’s your money, it’s your life ­ if you want to truly own them both then you have to take control ­ not give it over to someone else. Control or be controlled, the choice is yours.

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Peter Webber is the creator of DIY Debt Busting Systems such as
the 100% DIY Credit Card Debt Busting System which is aimed at
those wishing to take control of their finances and get out of
debt quicker and without having to pay any extra than they already
owe.http://www.smash-credit-card-debt.com

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Did You Know

 You can place a free ad for your business on our website.
        Go to - http://www.adv-marketing.com and click on
 "Free Classified Advertising"

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Quote of the Day

"If you plant potatoes, you are going to get potatoes.  To expect anything else is insanity."

- Kevin Eikenberry

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A Little Humor

Slow Down
=-=-=-=-=-=

A farmer lived on a quiet rural highway. But a new expressway bypass meant an alarming increase in traffic. In fact, it was so heavy and so fast that his chickens were being run over at a rate of three a day.

So he called the sheriff's office and said, "You've got to do something about these people driving so fast and killing all of my chickens."

So the next day the sheriff went out and put up a sign that read: SLOW: SCHOOL CROSSING

Three days later the farmer called again and said, "You've got to do something about these drivers. The School Crossing sign seems to make them go faster."

So, again, the sheriff went out and put up a new sign: SLOW: CHILDREN AT PLAY

No good. So the farmer calls again... and again, everyday for three weeks, but the sheriff just doesn't have time to put up signs every week. Finally, the telephone calls stop and the sheriff becomes very curious.

So he drives out to the farmer's house, and there on the edge of the road he sees a new sign. It's a whole sheet of plywood. And written in large yellow letters are the words: SLOW: NUDIST COLONY
 
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Junior had just received his brand new drivers license. To celebrate, the whole family trooped out to the driveway and climbed into the car for his inaugural drive. Dad immediately headed to the back seat, directly behind the newly minted driver.

"I'll bet you're back there to get a change of scenery after all those months of sitting in the front passenger seat teaching me how to drive," said the beaming boy to his old man.

"Nope," came dad's reply, "I'm gonna sit back here and kick the back of your seat while you drive, just like you have been doing to me for sixteen years."

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Fred was driving down the street in a sweat because he had an important meeting and couldn't find a parking place. Looking up to heaven he said, Lord take pity on me. If you find me a parking place I will go to church every Sunday for the rest of my life and give up drinking."

Miraculously, a parking place appeared. Fred looked up again and said, "Never mind, I found one!"

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Why do the same people who support abortion
vote for helmet laws?

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Publications of Interest

In each issue, we swap a notice with another E-zine.  Most of the time they are invitations to subscribe to their publication, but sometime it could be for a product or service they provide.

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Stress Tip
by Dr. Rae Baum

You will find this "Stress Tip Message" helpful to stay focused and on purpose.  You can put this message to work by reading it often throughout the day.

Energy and staying energized comes from loving who you are and what you are doing.

- Dr. Rae

~ Need help with this?  Invest in yourself...  Contact The Baum Group at mailto:TheBaumGroup@YourStressMatters.com

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- 9/9

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Handy Household Tips

Broken Light Bulb Removal: Use a small potato. Make sure light switch is turned off. Place potato against broken light base and unscrew counterclockwise.

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Health Tip of the Week
by Dr. Earl Mindell

Study Shows That Antioxidants Don't Help Prevent Preeclampsia

Preeclampsia is a mysterious and dangerous condition that affects pregnant women, usually in the last trimester of pregnancy. Estimates of the prevalence of preeclampsia are between two and seven percent of all pregnancies. In women who develop this condition, blood pressure rises rapidly and to hazardous levels, and the kidneys can't maintain the proper acid-base balance in the woman's body. The only cure is the delivery of the baby, and when the baby's not due yet, this can make premature delivery a necessity. Preeclampsia is a major cause of maternal death worldwide and a major cause of premature birth and stillbirth worldwide. It's really crucial for medicine to find ways to help prevent this condition.

No one's sure about the cause of preeclampsia. Theories abound: it could be due to dysfunctions in the immune system or in the blood's clotting system. It has been linked with poor prenatal nutrition, maternal obesity, and calcium deficiency in the mother. Some research has suggested a role of excess oxidation (free-radical formation), and preliminary research done in Great Britain found that supplementing with antioxidant vitamins (C and E) was somewhat helpful. An Australian study recently published in the NEJM (New England Journal of Medicine) made headlines when it found that 1,000 mg of C and 400 IU of E did not reduce incidence of pre-eclampsia any more than placebo pills, and that the women on the supplements had slightly greater risk of having low birth weight infants and requiring more intensive medical treatment for preeclampsia when it did strike.

Headlines about the study reported: "Antioxidants don't help, may harm during pregnancy" (Reuters); "High-Dose Vitamins Flop in Preventing Pre-Eclampsia" (MedPage Today); "Antioxidants Don't Decrease Pre-Eclampsia—Vitamin C and E May Increase Pregnancy Risks" (American Council on Science and Health); and "Vitamins No Help for Preeclampsia" (the LA Times).

A lot of these headlines were, to me, misleading. They suggest that vitamins in general aren't helpful overall during pregnancy, which is a complete falsehood. Multivitamin and mineral supplements designed for pregnant women are known to help prevent major problems like spina bifida (incomplete closing of the spinal column) and low birth weight. Multivitamin and mineral supplements have been found to decrease risk of preeclampsia by 45 percent.

Here's the straight scoop, for now: women who are pregnant should not take high-dose single antioxidants on a daily, ongoing basis. Growing evidence suggests that taking single antioxidants in high doses could have pro-oxidant effects in the body. Once an antioxidant buffers a free radical, it becomes a free radical itself and has to be "restored" by another antioxidant, and when only one or two of them are put into the body at a time in high doses, they may not create the kind of balance that's necessary to decrease overall oxidative burden. A broad spectrum of antioxidants taken in lower doses all at the same time could prevent this because they all work together. I'd like to see a trial of an antioxidant supplement that contains balanced doses of C, E, carotenes, coenzyme Q10, and alpha-lipoic acid. For the time being, pregnant women can use a prenatal multiple or a high-quality multivitamin that's safe during pregnancy (check with your midwife or OB/GYN if you aren't sure).

Magnesium sulfate is usually given intravenously to women with preeclampsia. Low magnesium is known to cause umbilical blood vessels to constrict, and is linked with hypertension in the general population. It stands to reason that supplementing magnesium (in a one-to-two balance with calcium) would be a worthwhile thing during pregnancy. The research on this isn't extensive right now, but it won't hurt, and it makes physiologic sense.

The NEJM study found some benefit in the prevention of respiratory distress syndrome in the newborns. Also, the women in the NEJM study were, overall, well-nourished, getting more than the recommended daily amount of both vitamins C and E from their diet. Women around the world who don't have adequate nutrition stand to benefit enormously from vitamins—maybe even just a well-designed antioxidant supplement. More research is obviously needed.

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To learn more about how Dr. Mindell can help you get into the best shape of your life, visit: http://keith.freelife.com/redir.cfm?page=/info/nutrition/drearlmindell/body.cfm

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PCisms (Politically Correct Terminology)

Fat - Gravitationally Challenged

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Copyright – 2006

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