How to Never Pay a Hotel Phone Bill Again

The protocol is increasingly being adopted as the standard means by which computers communicate to facilitate VoIP or Voice Over Internet Protocol. So you can imagine SIP as a common language for new generation operators to speak to connect calls. However, there are no operators there is only your computer (or other hardware) and that of the person you are speaking with. That brings this introduction to some of the many benefits of SIP communication.

The goal of SIP was to provide users with many of the functions and features they typically expect with making phone calls, such as familiar rings, hearing the ring back tone when a call is placed, and the process of dialing a number. SIP goes beyond this however, also implementing a number of advanced features. Despite its' convenient interface that mirrors that of a typical telephone call, SIP is based on an internet protocol rather than that of the telephone industry. Because of this, SIP is able to work seamlessly alongside other internet based protocols. This has allowed the technology to uniquely establish a user location, meaning that you can tell the IP address or "location" from which a person is making a call, something vital for offering emergency services. It also allows for coordination amongst the various participants in deciding upon what call features will be supported, as well as providing the protocol for call management which allows for adding, dropping, or transferring call participants.

One of the most exceptional benefits of Session Initiation Protocol (SIP) is its application with Private Branch Exchange (PBX). A private branch exchange is a private telephone network used within an enterprise in which users share a certain number of outside lines for external telephone calls. This provides a significant cost savings to the company because it allows companies to quickly and easily make calls within their institution, as well as save by limiting the number of external phone lines that must be maintained. SIP can extend these cost savings dramatically by offering users free long distance calls worldwide. Once again, because SIP is internet based rather than running over traditional telephone lines, the cost of call transmission are as cheap as say sending an e-mail, that is to say, Free! While PBX is already an efficient use of office resources incorporating SIP into a PBX means taking such savings and capabilities to a new level. Incorporating SIP gives users' access to free interoffice communications, long distance calls, as well as huge savings in setup and transaction costs. These transaction cost savings are due to the fact that SIP is based on internet protocol allowing for the ability to physically move phones without any need for rewiring or new setup costs. Because that the system is peer-to-peer rather than cog and wheel like hardwired telephony means that there is no complicated setup necessary, but rather users can simply plug the phone into any available broadband connection and without the need for any complicated hardware or software, calls are ready to be made and received.

This brings us to what is potentially the greatest savings that SIP provides. We all hate to have to pay $2.00 for making a simple local call from a hotel room. But for those of us that have had to pay exorbitant long-distance charges from hotels, the level of angst felt reaches new heights. Add to this the fact that often companies require conference calling for their employees, a service that hotels are all too happy to charge a high premium to provide. For companies that have a lot of their employees traveling or practicing in various locales, the overhead costs of making such calls can really put a damper on year end profits. SIP offers a solution to hotel bills, and for that matter all telephone bills whatsoever. Just as sending an e-mail is free whether you are sending that e-mail to a person across the street or around the world, so making a call using SIP from any locale to any other locale in the world is free. All that is needed is a broadband connection. And just as one can send an email from wherever the internet can be accessed, SIP users can make their free calls from the office, the home, or even (gasp) the hotel room. Not to mention the huge savings in regular long-distance charges, the simple fact that long distance and local calls can be made for free from hotel rooms (most of which offer complimentary broadband service) is an enormous long-term cost savings. But add to this the fact that conference calls are available at no additional cost, which can be explained by following the principle that sending an e-mail to many individuals at the same time is just as cheap as one to one communication. Altogether these savings mean that companies who have in the past been laden with high local and long distance phone bills will be able to have their employees keep in close communication no matter their location for free.

SIP goes beyond this, however. Because SIP uses peer-to-peer connections there are no extra costs for having hundreds or even thousands of employees making SIP calls whereas the management costs for such a system under traditional telephony would be astronomical. This is never the case with PBXs that utilize SIP in a peer to peer connection format, however, where structural costs do not increase as your business grows and your usage of the PBX increases.

Session Initiation Protocol (SIP) offers customers of traditional telephony fantastic cost savings, the flexibility to make free calls from anywhere in the world at any time, and the ability to expand a PBX system with no setup costs. Because there is no complicated hardware or software necessary to setup SIP in a PBX, implementing the technology is as simple as having access via broadband to the internet. Due to these benefits as well as innumerable others, expanded use of SIP in PBX and in a variety of other settings is simply a matter of expanded customer exposure to the possibilities of SIP.

Jim Sherman writes about interesting topics such as Mobalex technology. See http://www.mobalex.com for more information.

Why There Are Four Gospels

The first gospel written by Matthew,who is Levi, is the first archtype of Christ in you as the fulness of the Godhead.

The second gospel by Mark is the second archtype of Christ. The third gospel by Luke is the third, and John's gospel the forth.

these four archtypes are the symbols of the lion, the calf, the man, and the flying eagle. These four faces are phazes of the one Christ in every man that manifest as components of your individualization of the God flame when you elect to enter into the kingdom of heaven as the higher consciousness of God in you.

This article on "Why There Four Gospels" is an introduction to my correspondance of scripture to consciousness in my soon to be published book,The Incarnation of God in Man.

By his words and life Jesus demonstrates what happens to the soul who elects to be as God is: I AM. You become first one with the law of God in the etheric vehicle of consciousness as this mystery of Christ in you as the Father. Then, in the second gospel, as a correspondance in your mental vehicle, you become this mystery of the Christ, the Son. The correspondance of the third gospel is to this third mystery of Christ in you, in your feelings, as having the love of God... Christ as Mother. And the last correspondace is to your physical body, of your actions being the works of Christ through you...this mystery of the Holy Spirit. Here is an outline of this correspondance of scripture to consciousness.

Gospel mystery consciousness divine nature of Christ Matthew Father etheric law Mark Son mental mind Luke Mother emotional heart John Holy Spirit physical works

This correspondance of scripture to the Christ consciousness does not happen automatically... If you believe in Jesus you must become Jesus, by doing what he did with his consciousness... heart center?

My name is Stephen Earl Mitchell. I have been a student of the scriptures for several years. The Bible is holy for if you obey it, you will become whole in God... on the path of initiation. I have taken that path as an inner walk with the God within. And I point the way for you to receive a revelation. For me scripture is inspiring for its literal stories are allegorical to consciousness, of the alchemy of the human to the divine. Therefore, I have learned to seek what are the spiritual meanings behind the written word... And this is the Logos or incarnate Word one day all shall work out their salvation in the unity of Christ, who is in all, above all, and through all his sons and daughters.

Caring - The Secret Sales Strategy

Sales information resource Just Sell, calls caring "sales love". Here's the meaning:

Sales love ('sAlz - luv): noun: 1: unselfish and loyal care for the good of a customer, prospect, reseller, and/or team member.

The only reason we are in business is to provide value to a group of people who care about the story we tell.

According to business guru Jay Abraham, in his book Getting Everything You Can out of Everything You Got, "A successful business starts not with just a great idea or product. Rather, it starts with the desire to provide a solution to another's problem."

Client means, "Under the protection of another." Customer means, "One who purchases goods and services."

Everyone who does business with you must be a client. Never serve people merely as customers. They are too important to you.

Falling in love with your client is where sales and marketing really begin.

* Care about your clients more than yourself.

* Love your clients; not your business.

* Always ensure complete client satisfaction, no matter what.

Take time to understand what the client REALLY needs and make recommendations that solve their immediate problem; even if it means less profit on the initial sale.

Follow up demonstrates you care.

To truly care, you must become an expert at follow up. That means you:

1. Check in by telephone or in person regularly. Not only after a sale, but ongoing, every month.

2. Become an information resource on the latest trends in your industry.

3. Follow up on all client phone calls, correspondence and emails quickly.

4. Provide personal communication and focused ideas that demonstrates you care enough to take the time to fully understand your client.

Follow the action steps below to add care to your marketing and sales arsenal. You'll increase your closing ratios, top line revenues and referrals simultaneously.

Follow These Action Steps to Add Caring to Your Sales Effort

1. Understand the lifetime value of every client. On average, how long does a client keep doing business with you?

What is that business worth in dollars and cents on an annual basis?

2. What is the value you provide others? Practice articulating it until you become comfortable talking about value instead of features and benefits.

3. Study your client database. Make sure everyone has been personally touched (communicated with) this year.

If they haven't, write a letter. Apologize for not staying in touch. Tell them you'll call to check in. Stay with it until you make a connection. Show them you care.

4. Have a plan to follow up with every new client, starting today. Here's an example:

* 24 to 48 hours after a sale, call to thank them. Make sure all your promises were kept.

* One week later, make sure your product or service is still performing as expected or better.

* One month later, check in for complete satisfaction again.

Stay in touch regularly. Make sure your valued client is overjoyed by their experience of doing business with you.

5. Help your fans (overjoyed clients) spread the word. Provide clients with articles written by you or other industry experts. Provide methods and instruction to help clients remember to spread the good news (your service and information) to people they know.

6. Respond to all client communications quickly. Respond to clients on the same day they communicate with you.

7. Continuously comb your database. Be aware of everyone in it. If you're not sure about someone in your database, call them. Clarify their wants and needs. If they no longer fit, take them off of your list. Keeping a "clean" database ensures your clients are cared for consistently.

8. Every database entry has a follow up action scheduled or you remove them. No action = lack of care.

While it may seem like extra work, turning strangers into friends and friends into clients requires dedication.

Maintaining and expanding client relationships is the shortest path to extreme sales success.

? Copyright 2005, Bill Gluth, Develop Your Vision, All Rights Reserved.

Bill Gluth is the motivator of focused change. He is the first to specialize in teaching small business owners how to be extraordinary in a commodity driven world.

Since starting Develop Your Vision in 2001, Bill has helped business owners achieve balance, satisfaction and profit with freedom by understanding the unique "vision" that sets one business apart from their competition.

Bill teaches strategies that turn dreams and goals into accomplishments by successfully reaching tightly defined niche markets using inexpensive, creative, Human Touch ideas and methods.

To find out more about Bill Gluth, Develop Your Vision, visit his website at http://www.developyourvision.com or his Blog at http://www.billgluth.com

Achieve Media Attention for Your Business

Do you want to be quoted by the national press on a daily basis? (How much would that be worth to your business?)

In the past six months, I've been quoted in The New York Times, The Wall Street Journal, The Washington Post, The International Herald Tribune, Entrepreneur, The Associated Press, PBS, Voice of America, Family Circle, Glamour, Redbook, Self, Health, Prevention, Parents, Parenting, Women's World, First for Women, Newsday, Newsweek, Salon, In Touch Weekly--and even The National Enquirer.

In fact, I've been quoted in over 100 prestigious U.S. publications. I call this "Expertizing," and it's good for business, regardless of the business you're in. Anyone can learn to get this kind of media attention, for any book or any business; my Expertizing workshop attendees are achieving this same level of media recognition. Here's how:

First, syndicate. This column is syndicated; hundreds of thousands of people read it. Syndicating a newspaper column doesn't pay very well anymore (you'll probably make only $5 or $10 per column) but it gets your name out. And syndicating online is even easier. My next title, "The Publishing Game: Syndicate a Column in 30 Days" will cover the topic more thoroughly, but you can get started just by doing a google search for "[Keyword] article submit."

Start a national association. A national association will get you media attention automatically, regardless of your other credentials. The National Pediculosis Association in Needham, Massachusetts, is a great example. (That's lice, for those of you without small children.)

Create a holiday. Anyone can create a national holiday, and it's free. Register at Chases.com, and on a slow news day, journalists will come looking for more information on your holiday-the more interesting, funny, or quirky, the better. I just helped an Expertizing client set up a holiday for her very technical company that would otherwise have been paid little press attention-but next year, she's going to be inundated with press attention when National Geek Day rolls around.

If you're going to do a flyer for your business, put something useful on the back so people don't throw it away. The back of my Publishing Game book flyer has a useful hot contact list, with contact information for major magazines, talk show hosts, wholesalers and distributors, book reviewers, and more. (You can get a complimentary copy at PublishingGame.com.) My new Expertizing flyer has information on my Expertizing workshops on one side, but the other side has suggestions of how to write Killer Soundbites that the media will quote. (You can get a free copy of that one at Expertizing.com.) If you include something useful, people will hang onto your flyers forever.

Talk to the press. Press kits mostly get tossed or buried. But today there are services you can subscribe to that will keep you up to date on what journalists are working on, so that you can respond in time to be quoted in their articles. I respond to health journalists with quotes about my Infertility Diet book; I respond to business journalists with information about my Publishing Game and Expertizing products. But I also respond about lifestyle issues-entrepreneurship, marriage, kids, home business. One of the things I do in my all-day Expertizing workshops is train authors and executives to develop the soundbites that will propel them into these articles. Even without training, you can generate plenty of press.

Don't forget speaking. If you enjoy public speaking, do as much of it as you can. Speaking can pay-even public libraries pay for talks-and even without pay, it's worth it for the publicity. If you speak at the Learning Annex, for example, thousands of people see your information. When it comes to speaking, this is one of the few times you shouldn't focus just on your niche. Cast your net more widely, and see if you don't have something to say to others. For example, this year I'm speaking at Media Relations, at SPAN, and at Book Expo America, all of which are in my target audience. But I'm also speaking to over 200 CEOs at an executive transition firm event-and that's probably going to generate more business for me, because writers and publishers have heard of me already, but these executives may have not. So look for new audiences and groups that might be interested, as well as your target markets.

And then forget what I'm telling you, about how you have to do this or that sort of PR. Do the publicity you love. What you love doing will be most effective for you, because you'll enjoy it. So if you like to speak, go out and do that, but if you'd prefer to sit home in your bathrobe and do it all by email, do that instead. Live the dream the way you want to.

About The Author

Copyright (C) Fern Reiss - is the CEO of Expertizing.com/PublishingGame.com. More information on Fern's books ("The Publishing Game: Find an Agent in 30 Days," (literary agents) "The Publishing Game: Publish a Book in 30 Days," (self publishing) and "The Publishing Game: Bestseller in 30 Days" (book promotion) and all-day Publishing Game workshops can be found at the websites. More information on positioning yourself as an expert and being quoted by the media, along with Fern's Expertizing Workshops at the Ritz Carlton in Boston (September 19) and Manhattan (October 4) can be found at the websites.

fernreiss@pbjpress.com

How Kids Learn To Cooperate In Video Games -- A Guide for Parents and Teachers

A great many parents are concerned that the electronic games their kids play are teaching the kids "negative" messages such as aggression, violence, and isolation from real people. I want to illustrate here how computer and video game playing, can have positive effects on kids. This includes even the "addictive" game playing associated with many of these games. The learning from these games is well worth the effort the kids put in playing them, and kids typically sense this at some level, which is one reason they fight so hard for their games.

One key lesson many of their games is teaching them is the value of people working together and helping each other. To illustrate how this occurs, I will use one particular game, Toontown, as an example.

Toontown (www.toontown.com) is the Walt Disney Company's entry into the Massive Multiplayer Online Role-Playing Game (MMORPG) category. For the non-initiated, that means a computer game that supports thousands of players online simultaneously, all of whom can see and interact with each other. A key feature of these worlds is that they are "persistent," meaning that the worlds continue to exist and change whether or not you are there, just any other place in the real world.

[Note: There are two types of multiplayer online games, both of which have their advantages. One type, the "multiplayer" game, lets you interact with a limited group of people, such as those on your team or squad, in a game world that typically exists for only the time you are playing. The game America's Army is a good example of this. The second type, the "massively multiplayer" game, lets you interact with everyone you meet in the ongoing world. Massively multiplayer games like EverQuest, Asheron's Call, and Dark Age of Camelot have captured the time and imaginations of hundreds of thousands of US teenage and older players. The Korean massively multiplayer game Lineage has over 4 million registered users, often with up to half a million players on-line at once. The players typically meet in relatively thinly-populated areas of very large and often interconnected virtual worlds, so even with these huge numbers, it is not like pushing your way through Times Square on New Year's Eve.]

Toontown is the first massively multiplayer game designed specifically designed for younger kids (pre-teens, I think, though they don't specifically say.) In addition, many older kids and even adults enjoy playing it. In the game you create, name and dress a character, and then you take it out to play in the virtual world. Your character is the representation ("avatar") of you playing in the world ? it is the "you" that other players know.

Although if you wanted to you could spend your entire time in Toontown merely running around the virtual world, the "object" of the game is to defeat "Cogs," members of the evil gang that wants to take over the town. The Cogs to fight come in many varieties and strengths. To defeat a Cog you employ "gags"? such as squirt bottles or pies in the face ? that you purchase with jelly bean currency that you earn in a number of ways.

In your early days in Toontown, when you have earned relatively few gags, you typically run around alone, deciding when to confront a low-level Cog you pass in the street. (You do this by running into it.) You and the Cog then square off and do battle, taking turns throwing gags at each other. If you defeat the Cog, he explodes and you are rewarded with points towards additional gags. If the Cog defeats you, you "die," which means you lose all your gags (although, importantly, you do not lose the "experience" you attained ? i.e. the types and levels of gags you are allowed to purchase and use.)

There are a lot of other twists, but that's essentially the game: Earn and buy gags, use them to fight Cogs.

But here's where the cooperative part comes in. As you move to higher experience levels, the tasks you are required to accomplish become more and more difficult. You often have to "rescue" buildings that the Cogs have taken over, buildings that have multiple floors filled with high-level, hard-to-defeat Cogs.

And you can't do this alone, no matter how much experience you have. So you begin to learn to play the game with others. The game encourages this, with "friends lists" and built in "speed chat" menus consisting, for kids' protection, of a limited number of phrases you can use. For example, you can invite your friends to help you defeat a building (or, if you prefer, you can just wait outside for others to show up.)

But it gets subtle. Just because someone is your friend (or wants to be) or happens to show up, doesn't mean he or she has the experience to defeat the higher-level Cogs. You can check out someone's gags when they are in range to help you decide whom to work with, but success depends not only on the level and number of gags one has, but also on knowing how to use them in battle. You learn over time what players you want on your team to achieve success in particular situations. Sometimes, to be sure all of you survive, you have to reject players who ask to work with you on a certain task. One of the things you can say through the speed chat is "I think this is too risky for you." Just as in the real world, such advice is not always well-received, and the game gives you the opportunity to learn to deal with this.

In the midst of any battle ? players typically fight higher-level Cogs in groups of four ? a player can choose, rather than to throw a gag at the Cogs, to instead give his or her fellow players additional "laff points" (i.e. health). Doing this helps prevent them from "dying" and dropping out of the battle. One skill typically gained from frequent play is knowing when to help your teammates versus when to attack the Cogs. This is not trivial. One adult player described her first battle with ultra-high-level Cogs as "extremely nerve wracking," and characterized the strategies she had to employ to work successfully with the other players as "the most emotional experience I've ever had in a game." And this is the version for kids!

And there is yet another way Toontown players learn there is value in cooperation. Some of the tasks available to higher-level players allow them to earn jelly beans by helping out new players. When these experienced players see a Newbie fighting a Cog on the street, they can join in and assist. When the Cog is defeated, both the experienced player and the Newbie get rewarded game at their own level.

Is it Boring?

Still, while the tasks at the start of the game involve defeating only one Cog at a time and the tasks at higher levels require players to defeat hundreds of Cogs on their way to liberate bigger and bigger buildings, the battles are very similar. "Isn't that boring?" I asked one "addicted" player. "After all it's basically the same thing over and over ? fighting Cogs."

"I like going up the levels," she replied. And of course the only way she can do this is by learning to cooperate well with real people, in real time ? while sitting at her own computer.

I encourage readers of this article to try Toontown, both with your kids, and even on your own. (You can go to www.toontown.com to get started.) See how far you can get. If you happen to enjoy the experience, you can go on to the aforementioned "older players'" games, where the enemies are fantasy monsters and the buildings castles to storm, yet where the principles of cooperation are basically the same. If you actually get addicted to cooperative play, don't blame me ? these games are designed to reel you in.

But even if you don't get hooked yourself ? and the more you are from the "Digital Immigrant" generation the less likely it is that you will ? hopefully you will have learned this important and generally-overlooked lesson:

What keeps the kids playing these games is not the violence (that's all fake and the kids know it), but rather the ability to work together with others to achieve more and more difficult goals.

Can you think of any skill more useful for children to spend their time learning? I can't.

About The Author

Marc Prensky is an internationally acclaimed speaker, writer, consultant, and designer in the critical areas of education and learning. He is the author of Digital Game-Based Learning (McGraw-Hill, 2001). Marc is founder and CEO of Games2train, a game-based learning company, and founder of The Digital Multiplier, an organization dedicated to eliminating the digital divide in learning worldwide. He is also the creator of the sites and . Marc holds an MBA from Harvard and a Masters in Teaching from Yale. More of his writings can be found at . More of Marc's writings on the positive effects of video games can be found at www.marcprensky.com/writing/default.asp.

marc@games2train.com

GPS Cell Phones

Motivated by the events of 9/11 2001 and problems with 911 calls from cellular phones, the FCC requires that by the end of 2005 all cell phone carriers must be able to trace the location of cell phone calls to within a range of no more than 100 meters.

Cell phones are already available with GPS technology installed. These systems are not the same as the GPS devices used by hikers, mariners and drivers. Lower cost models do not allow the user to enter data such as mapping software. All systems require a wireless network.

Cell phones with GPS technology use AGPS (Assisted Global Positioning System). Assisted because the system uses both cell phone towers and satellites as location finders.

There are advantages and disadvantages in the new technology. The cost to implement the program will be passed on to consumers -? cell phones will cost more. Privacy is a real concern with the general public especially in this day of identity theft. It is a concern that unknown people will be able to access your location. Also there is a possibility that the spam you are flooded with on your home computer will now be sent to your cell phone.

Using GPS cell phones to track people has some great advantages. Locating kids and family can be a blessing. Remember though, if you try to locate someone who is out of your calling area, you will be charged extra.

The obvious benefit for the consumer is the issue of emergency aid and that was the catalyst for this whole idea of GPS cell phones. A 911 call that can be quickly located, emergency roadside assistance, locating persons missing in remote areas, the list goes on. If coverage is available then GPS cell phones save lives.

Many carriers already have GPS cell phones available. You can buy the basic model for emergency tracking or you can pay for the technology that turns the cell phone into a sophisticated mapping, PDA system. Problems are still an issue with the advanced features. The more you use the advanced features, the greater the drain on the battery. Increasing battery size also increases the cell phone size and that is a problem for most consumers who want ever smaller, lighter devices to carry around. At this time Japan seems to have the edge on developing the high-end miniature GPS cell phone.

Sacrificing privacy for safety is the issue and I suspect that it would only take one positive outcome in an emergency situation to make the decision for you.

As the systems become more and more refined camera and PDA capabilities are being included into the phone itself. Developments in GPS cell phone technology are continuing. If programmers can solve the issues of privacy then the potential for GPS cell phones is incredible. It will no longer be an issue of "Can you hear me now?" Rather the question will be, "Can you find me now?"

Anne King is a sports and recreation writer in Boise, Idaho. For more information on GPS cell phones, visit Maps GPS Info.com which also provides practical information on GPS and maps that everyone can use. The website includes product reviews and a maps/GPS glossary.

No Money Down Loans

You want to buy a home but you do not have money for a down payment or for closing costs? Well, just forget it. At least that is what you have probably been told by people who think they know what they are talking about, but simply do not.

There are many loan packages available for people with no money to put down on the home or for closing costs. The home loan industry has undergone revolutionary changes over the last ten to twenty years. No longer is it true that you need to put down 10% and have enough money for closing costs in order to buy a home. The simple fact of the matter is that there are home loan packages that can get you in a home with no money down, or very little.

Let us first examine the down payment. A down payment is the amount of money towards the purchase price that you pay out of your own pocket. Typically people put between 5% and 10% down on a home when they sign a contract. This is not a legal requirement, but rather an established tradition. If you find a buyer who does not require a down payment on contract and you are approved for a loan with 100% financing, then you need not pay anything out of pocket.

But, just how do you do this? The first thing you need to do is meet with a mortgage professional and get that aspect of the process completed. You will want to have a pre-approval or even a mortgage commitment with contingencies based on home value and selling price. Armed with this, you will be in a better negotiating position to get a seller to agree to sell their home with no money down. Your lender also may be able to refer you to real estate agents that can help you find a home that you can purchase with no money down. Again, there are no legal obligations to put money down, it is rather just custom and tradition. With the right mortgage lender and real estate agent you will be able to purchase a home without any money out of pocket.

Aside from the down payment you have likely been told that you will not be able to purchase a home without money for closing costs. Closing costs can be anywhere from a couple of thousand dollars to tens of thousands of dollars depending on the value of the home, the size of the mortgage and other variables. You do not necessarily have to pay closing costs out of your pocket.

There are loan packages available for people that are not able to pay closing costs out of their own pocket. What these packages basically do is inflate the purchase price of the house by the amount of the closing costs and then have the seller pay the closing costs for the buyer with those extra funds. So, for example, if the purchase price of the house is $100,000 and closing costs were calculated to be $4,500 the contract would read that the sale price is $104,500 and would include language that the seller is to pay $4,500 worth of closing costs for the buyer. The seller still gets the $100,000 for the home and the additional amount that was financed goes towards the purchasers closing costs.

Different states have different rules on how the language must read and what closing costs can and cannot be paid by the seller. You will want to make sure you have a full understanding of this process and how this will work under you specific circumstances.

Believe it or not, there are loan packages available that combine both of these examples - no money down and no money for closing costs. The property will need to appraise at a specified amount in order to qualify but the key is understanding that this very much can be done. It can turn a renter into a homeowner with nothing out of pocket and perhaps even a reduced monthly payment. Mortgage payments can be at or below rent payments depending on the home you pick.

Today's home loan industry is competitive. There are packages available for most people no matter what credit history they have or what funds they have available for the down payment and/or closing costs. Rather than deny your own mortgage application, speak to a mortgage professional to determine if you can begin realizing your dream of homeownership and a brighter financial future.

Ethan Hunter is the author of many credit related articles. If you are looking for help with Home Loans or any type of credit issue please visit us at http://www.homeloanave.com

Don?t Give Up!

Don't let anyone kid you. The road to self improvement and personal growth is not a short, straight, well-marked, paved highway. Looking back on my journey, I see a road meandering over hills and through valleys, around sharp curves and over muddy trails, with occasional boulders blocking my way. I can remember taking detours that took me off the beaten path and on to cow paths that wandered seemingly forever through the puckerbrush. It's been a long interesting journey.

My trip began over 20 years ago when I was encouraged by a close friend to leave the world of the "walking dead" and move on to a better life. Walking dead?! Holy smokes! Where did that come from? That absolutely couldn't be me! No way! I was doing just fine. I had a great family, I held some foundation religious beliefs, I went to work every day and brought home an almost reasonable paycheck. I was doing fine. I was fulfilling my obligations to my family. I was doing what was expected of me. I was doing what husbands and fathers are supposed to do. And furthermore, I would darned well continue to do all those expected things until the day I passed from the face of the earth! I was doing just?

Ohmygod! (Sometimes it's a bitch when reality strikes?) That was me! I was living in Zombieville! I was in a rut so deep I could only see the sun at midday. I was doing the same types of things day after day. Thinking the same thoughts ? believing the same beliefs.

So - I started reading books ? lots of books. (Remember, this was way back "when" in the dark ages before personal computers.) I listened to tapes ? and read more books. And I spent lots and lots and lots of time thinking ? about who and what I was and what I really wanted to do with my life. I read more? and listened to more tapes? and thought? and nothing happened! Well, wait just a danged minute. If I'm learning (and I really was) isn't something ? anything ? supposed to change? Shouldn't things be getting better?

Ohmygod! (There's that danged reality thing again?) I really have to DO SOMETHING! I need to put all that information I've been accumulating to work! This personal growth stuff isn't just about kicking back and soaking up words of wisdom. It's about making a conscious effort to change my actions. Dang, this isn't going to be the easy ride I had imagined. This is gonna be work!

So ? I got to work. Gradually I started using the information I had gleaned from all of my reading, listening and thinking to make a few changes in my life. Small changes at first. Simple changes. Like responding to the "How are ya?" questions with "Great!" or even "Super!" I even tossed in "Fantastic!" once in awhile just to see what would happen. (Most folks didn't believe a word of it and probably thought I was just being goofy. But it was working for me.)

And I spent more time thinking and meditating ? and learning. I was starting to see more daylight now. I was moving closer to the rim of my personal rut. But the changes and improvements in my life were happening oh, so slowly. So very slowly. Sometimes it seemed that months went by without any significant improvement. More months passed?

Ohmygod! (Yep, it happened again?) There is no way for any of this to occur quickly ? immediately. It takes time. I need to grow slowly. I can't learn bigger lessons until I've learned the smaller ones first. It's a logical step-by-step process. Start small ? and earn the privilege of moving on to the next step. One step at a time. Whoooeee! This is gonna work!

It was about that time that the whole process of self improvement and personal growth became FUN! I could begin to see that my life was getting better. Oh sure, at the same time I saw a few things that needed to be changed to help the process so I made the appropriate plans ? which eventually led me to make the changes I needed to make. And no, some of these changes weren't especially easy ? or fun - but they were necessary.

So, a little at a time, a step at a time, life was getting better ? and overall, a lot more enjoyable. Now, nearly 25 years after the beginning of my journey, my life is truly "Super!" ? with frequent spurts to "Fantastic!". No, it's not perfect and it never will be. Life's not like that. I still have experiences to add to my life's history and more lessons to learn. There's always more to learn.

So when you experience the delays, detours and occasional roadblocks as you're traveling down your personal growth highway, don't get discouraged. It's gonna happen. It's all just a part of the developmental process. Hang in there. Keep on truckin'. Don't give up! Your personal, special destiny really is waiting for you!

About The Author

Gene, through NuPathz.com, provides an easy reading self-help blog, articles, quotations, thoughts and links along with affordable books and materials written to help folks find the road to a more enjoyable lifestyle, to pass on some of life's "secrets for survival" in a chaotic world & offer a few smiles along the way. It's a down-to-earth, simple approach to discovering a better life.

You can visit Gene at http://www.nupathz.com/

gene@nupathz.com

Fly Fishing for Saltwater Salmon with Surface Flies

One of the greatest thrills in Pacific Northwest fly fishing is bringing large anadramous fish to a surface fly. While surface fishing in the saltwater is not as popular as subsurface fly fishing, feeding saltwater coho salmon will take a popper quite aggressively. Neah Bay is the best place to cast flies for coho salmon in Washington State, and I believe it's also the best place to catch coho / silver salmon on a cast popper.

Of course, there's a long tradition of trolling flies on the surface in the Pacific Northwest. But there's a move away from trolling (which I do not believe is fly fishing) to casting and retrieving surface poppers in the Pacific Northwest.

First things first, fishing a popper for saltwater salmon is going to lower the number of fish you hook most of the time. If numbers of fish are your goal, I still recommend fishing a sinking line and a baitfish pattern, such as a clouser minnow. Surface fishing in the Pacific Ocean for feeding salmon is not about numbers of salmon hooked. You will have lots of follows, slashes, and boils at your fly. But out of all the interest, most of the salmon will not grab the fly. This is what makes this type of fishing so much fun. You watch the fish follow, and attempt to entice the salmon by slowing down or speeding up the retrieve (some days faster works, other days slower works). It is truly one of the greatest fishing thrills in the Pacific Northwest.

For this fishing, I prefer fishing 30' shooting head fly lines. Fishing surface flies for saltwater salmon offshore of Neah Bay demands long casts. Basically, the more line you can throw, the more fish you will bring to the surface. I believe that shooting head fly lines give you the most distance with the least effort, especially considering a rolling deck and persistent winds. I like a .30 diameter floating running line. It gives you distance but without the tangling drawbacks of amnesia or other running lines. Remember, fly lines in a boat seem to seek out tangles. I use buckets with weighted bases to hold the fly line when casting and stripping the fly back along the surface.

An important part of popper fishing for salmon is the retrieve. I like a steady retrieve that makes the fly slowly wake along the surface, slowly covering productive fish holding water. The slow retrieve also gives following fish more time to make a decision to strike. It seems that fish will stop following once the fly gets within 10-20 feet of the boat (another reason to practice casting). To get this retrieve, I will tuck the fly rod under my arm and do a two-handed retrieve. This retrieve gives the angler more control and allows you to have that steady retrieve the coho salmon seem to love. Of course, like all fishing there are exceptions to every rule, so don't be afraid to pop the surface fly instead of the steady retrieve. It may be just the ticket when the salmon won't go for the typical retrieve. Coho fishing success is all about fishing hard and a willingness to experiment.

Like many forms of fishing that are less effective, popper fishing does require some dedication. Stick with it, even if you know for certain you are going to catch more fish by grabbing your other rod rigged with a sinking line and a baitfish pattern. You will rise coho salmon when you least expect it, and you will gain the most important thing when it comes to popper fishing for coho salmon?. Confidence! Confidence is the key to true success in fishing poppers in the saltwater.

I hope you learned a few things about popper fishing for coho salmon at Neah Bay. It is the most challenging way of hooking feeding salmon in the saltwater.

Chris Bellows, owner of Topwater Charters, Inc, which runs fly fishing charters off the Washington Coast. His websites offer more information about Saltwater Fly Fishing and Neah Bay Halibut Fishing

Cash Back vs. Rewards Credit Cards

Ah, the sweet rewards of using credit!

Not only do you get immediate gratification with the buy now-pay later plastic, but now, many credit cards offer rewards and incentives for using their card to make purchases. You can get cash back, or gift cards, or 'reward points' that you can spend on merchandise or services from various merchants. There are also cards that allow you to designate your 'cash back' points to a charity ? sometimes called affinity cards ? and those that put your cash back into a special savings account for college.

Great deal, right? You spend your money and get something in return. The catch is, of course, that you're paying interest and card fees to get your cash back rewards. But if you're going to be using the credit card anyway, you might as well get something back out of it, right?

Most cash-back cards give you 1-2% cash back on most of your purchases. You'll get a check at specified periods for the amount of your 'rewards cash'. You can cash the check and spend the money on anything you want.

Reward cards give you 1-5 reward points for every dollar that you spend at different merchants and types of merchants. Most pay you 5 reward points for purchases made at their 'Merchant Thank You' network, and for purchases made at gas stations, drug stores and supermarkets. You'll get 1 reward point for every dollar that you spend at other merchants. You can then redeem your reward points for particular items from the merchants that belong to the credit card's merchant network.

Which is the better choice?

Each kind of credit card reward has its own pros and cons, and the better choice depends on what's most important to you.

Cash-back Rewards ? Pros

Cash can be used anywhere, for any kind of purchase. Gives 1% - 2% cash back on all purchases.

Cash-back Rewards ? Cons

Rewards points cards may give rewards of higher value, particularly for purchases at merchant networks stores, gas stations and supermarkets. Cash-back can only be used when a check is issued.

Rewards Points ? Pros

Rewards points are often higher value than cash-back. If you use the credit card for purchases made within the merchant member network, you can get as much as 5% value back when you spend your reward points.

Reward points are available to use on a rolling basis. Some card companies may require you to accumulate a certain number of rewards points before redeeming them, but reward point rewards are often more easily available than cash-back rewards. Reward points can be used for cash rewards in some circumstances.

Reward Points ? Cons

Reward points can only be redeemed from particular merchants and/or on particular merchandise.

Whichever your choice, it makes good sense to get something back when you choose to use credit. If you're a frequent credit card user, the rewards can certainly add up. Among the merchants that belong to various Merchant Member networks are such well-known companies as airlines, Saks Fifth Avenue, Evelyn & Crabtree and Smarter Edge.

Joseph Kenny is the webmaster of the credit card comparison sites Credit Cards Info and also Credit Cards 121

Do What Works

"Can you hear me now?"

You'd be hard pressed to find someone in the US who doesn't know the company behind that question.

So why do big companies, like Verizon, hammer us with the same message over and over? Because it works. And it can work for your company too. But it takes time and repetition to get your message out and heard by your target market.

Most small business owners will try something once then give up. They expect customers to come pounding down the door to their business after just one message.

It won't happen.

How do you help your customers hear your message? Think long term. Before taking the first step to getting the word out about your product or service, determine the time frame.

Consider at least a six-month time frame for executing your actions to deliver your message. Then identify the steps you will take -- identify how, who, what and when. Spread those steps out so you are taking action at least once a week. Remember that consistency in delivering your message is key.

Place the steps on your calendar (a wall calendar that you see every day is great for this) and execute them based on your plan.

About the Author

Denise O'Berry frequently speaks to professional organizations, is the author of three booklets, and several "how-to" manuals. She writes a weekly small business column, hosts an online small business owners forum and is called upon regularly by publications such as Entrepreneur, Bank Rate Small Business, Florida Trend, Inc., various newspapers, radio and television to provide expert comments on small business issues.

http://www.whatspossible.com
http://www.justforsmallbusiness.com
http://www.deniseoberry.com

Affiliate Programs... Whos Really Making The Money?

There will be a million and one affiliates out there who will tell you that the affiliate program they promote is going to be the best one for you.

But have you considered who is really making the money and who gains the most out of affiliate programs.

Let's take a step back and look at the AFFILIATE.

What exactly is the role of the affilate?

* The sole purpose of the affiliate is to PROMOTE the product and/or service

What are the benefits of being an affiliate?

* Get paid a minimal commission that is regulated by the owner of the product/service

In short, As an affiliate it is your responsibility to make someone else rich whilst doing all the hard work. You take on the expenses of advertising, you are the one who usually misses out on subscribers if you haven't first made them your client before they buy the product/service you are promoting.

And all this for what??? Maybe $20 per sale if you are really, really lucky.

You also need to remember that when you are an affiliate, YOU are not the only person promoting that very same product/service.

So what will make your offer any different to someone else who is promoting the exact same product, usually using the same sales technique, offering it at the same price.

To be in the top 5%, which is the amount of affiliates who make more than $100.00 per month, you need to first have a really good, clean, targeted subscribers list of more than 50,000 subscribers, know exactly how to gain targeted traffic, and have a huge advertising budget.

For the other 95%, the only way you are going to make alot of money from and affiliate program is to OWN YOUR OWN.

It really isn't as hard as you might think to set up.

So in conclusion, the best AFFILIATE PROGRAM, obviously is the one you OWN.

About the Author:

Gillian Tarawhiti, is Founder and CEO of Community Training Centre, an Internet Marketing firm providing Online Training and Support to the new and not so new netpreneurs. Gillian is also the author of eBay Billion Dollar Goldmine and the creator of the Multiple Ripple Effect System ? 2004.

Permission is granted to reprint this article in print or on your web site so long as the paragraph above is included and contact information is provided to http://www.ezy-money.com