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  3. #411
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    10,000 subscribers and counting!20,000 subscribers and counting!30,000 subscribers and counting!You get the picture...or do you?Now let me ask you - how many of those are actually READING your newsletter? Do you even know? Have you checked?You might really be surprised!I've got bad news - especially for those publishers who use free ads to entice their readers to subscribe. If your publication is business-oriented, you're lucky if 10% ever lay eyes on that wonderful work you labored so long over. And if it's filled with dozens and dozens of ads from all the free and low-cost ad placement programs now available, I have three words for you -- can you say, 'scan and delete? 'Because that's exactly what the majority of your subscribers are doing. I promise. That is, those who are even GETTING your newsletter.Now I know that most of you, especially the ones who are currently still running those free ads, know that what I am saying is true.Yet there are those among you that insist on hanging on to all those precious subscriber email addresses for dear life (even the ones that have bounced five times) on the outside chance that one day that email will gloriously begin to start accepting mail again and your count will be a true one. Fat chance.I'm not saying that all publishers do this; I know many that clean their lists on a regular basis. The long-time publishers who have grown their lists by traditional means certainly do. That's why they can command good prices for advertising - and get it.But how many of you have the guts to do what I did?MAKE THEM RE-CONFIRM EVERY YEAR.Go ahead - I challenge you.Make them take some sort of action that REQUIRES them to say 'Yes, keep me on your list.' Or else they don't get the newsletter. Period. No exceptions.Watch those subscriber numbers drop like a rock - and watch your 'open rate' climb. Because what you're really after is sustained, loyal readership. Trusting subscribers who know that you are going to provide them with good, solid information. And you're going to have to give it to them - otherwise, you'll never accomplish what it is you intended to do when you started publishing your newsletter.Like making money.

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  4. #412
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    Everyone by now is aware of the looming mortgage crisis and has probably added their two cents as to its cause and effect on the financial world. Having been in the mortgage business a little over ten years I have read most of the press that is covering this historic event in America and I thought I would chime in as well. As a result of the controversial headline I assume that most of the people that will read this column will do so predisposed to hate it or love it. Either way, I hope you continue reading as I feel it will shine a light on this subject that is often neglected. "Lenders and brokers didn't fret about a borrower's long-term prospects of maintaining payments because they collected their profits at the closing table; the loans were then resold to investors." Maureen Downey Atlanta Journal Constitution This quote is not untypical of most articles written on the mortgage crisis.?*It would appear that columnist feel that it is politically correct to point the finger at smaller brokers branding them "predatory lenders." Even reporters whose primary focus is finances seem to cover the sound-bites over the substance of the mortgage crisis. They opine about unscrupulous lenders and brokers whose sole intention was to rip-off the poor while making millions in the process. The truth is that most of the reporters and politicians covering this story know about as much about mortgages as the first two articles tell them from a Google search. For those who fall into this category allow me to explain. Here is how the system works for brokers and mom and pop lenders. Brokers primarily work with banks for 'A paper' borrowers and some sub-prime borrowers. Almost all of the major banks have or had correspondent sub-prime division as well as their normal operations. This list of banks names such as, Wells Fargo, Chase, Washington Mutual, Indy Mac, Countrywide and countless other large and mid-sized regional banks. These are the institutions that set the guidelines for the type of sub-prime mortgages they would buy. Once the loan is closed these banks buy the "paper" from the brokers to bundle up and sell on Wall Street. As competition among these banking giants grew their tolerance for sub-prime underwriting standards dropped for specific niche borrowers. Soon we had a dozen banks each having their own sub-prime division and competing for different niches in the sub-prime market. In an attempt to gain more market share these banks would employ account executives to visit the small brokers and lenders to 'teach' the loan officers how to get certain borrowers through underwriting in their specific niche's.As a result of competition, the capacity to qualify for mortgages was lowered and mortgages flourished. Builders began building housing on the 'wrong' side of town in an attempt to capture an otherwise untapped market. These builders hired advertising and marketing companies to advertise their products. Then, they hired real estate agents to sell their products, who in turn worked with lenders and appraisers that could get their clients loans. Lenders that could not or would not accommodate the demand of sub-prime request were in danger of closing down. No one knew that property values would pop and defaults would rise, nor did they care. America became a nation addicted to refinancing as property values escalated across the nation. Credit cards were charged to the hilt and refinancing saved the day. Borrowers with good and bad credit flocked to mortgage companies in record numbers to convert their revolving debt to lower rates and began the cycle again. When the real estate 'bubble' burst and property values plummeted, these people were now unable to refinance their homes to reduce their debt. With huge credit card payments looming and mortgages that were beginning to adjust home owners could no longer cope. Thus the mortgage crisis.Now that default rates are up on the portfolios (groups of loans) that the banks are holding investors do not want to buy them. This forces the banks' to hold their 'paper' which has created a cash-crunch and caused banks to tighten the reins on their lending practices. Through this whole chain of events almost all 'reporters' can only find stories to write about the evil 'greedy lender' with a prejudicial inference toward the smaller brokers and lenders. Think about it; have you seen any stories about builders, real estate agents or marketing companies that contributed to the mortgage crisis?If we open a paper now days all we can see and hear about the sub-prime mortgage crisis is politicians and columnist lamenting for government involvement as if they had a clue to the outcome of their actions. Have you seen the bill congress is proposing? The answer is a resounding 'no' for 99% of America, reporters and politicians as well. The bill proposed not only wipes out sub-prime lending for good; it raises the bar for ordinary mortgage borrowers to the point that a large segment of them will not qualify either. All of this is done in the spirit of helping the 'poor' avoid predatory loans.I wonder if any the pundits will report about the 95% of current sub-prime mortgage holders who are making payments on time right now? Do you think they have considered the home owners that have had to file bankruptcy or had a foreclosure as a result of the current circumstances? With the current legislation proposed by congress and championed by reporters these people will NEVER be able to buy a home again. Are we to assume that the "poor" should never buy a home as the bill does? Just today Fannie Mae raised the threshold for borrowers who have had a foreclosure to 5 years!Large banks have facilitated a large portion of this mess America finds herself in. The problem did not start with the small lenders nor will it be fixed by killing them with regulations. After billions of dollars in write-offs, fired CEO's and hostile takeovers' the banking industry is not eager to make the same mistakes twice. Throwing the' baby out with the bath water' legislation will only fuel this crisis, not end it.

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  5. #413
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    Finding aerospace vacancies in the United Kingdom can be hard for young professionals unaccustomed to the job hunt. While there are plenty of resources to find jobs, aerospace workers need to be selective about the jobs they pursue. If chosen correctly, the first professional experience for an aerospace engineer can be formative and can lead to greater opportunities down the road. Aerospace professionals need to understand the best online job resources for aerospace vacancies in order to avoid the stress and headaches of a prolonged job search. The first online job resource that aerospace professionals should use is the aerospace firm that they want to work with. This may seem like an obvious statement, but many young professionals decide to find vacancies on third party sites where they can apply en masse to various positions. However, there is no substitute for going straight to the source of vacancies if an applicant knows what aerospace firm they want to work for. Many companies in the United Kingdom are expanding their career pages to include the basic list of vacancies, online application materials, a look at daily life for various professionals, and other information necessary to make a career choice. After perusing company websites, aerospace workers should expand their hunt for vacancies to sites for recruiting firms. The reason why recruiting firms are the logical second step is that they have strong relationships with aerospace firms, including exclusivity agreements that allow recruiters the first chance to fill a vacancy. Professionals of all experience levels should use recruiting firm websites on a regular basis because they have constantly updated job listings and information on professional development that is the key to long term success. Since recruiting firms are in the business of filling the most positions possible in the shortest period, their sites are updated daily. A final resource for the aerospace job hunter is the growing number of general job websites in the United Kingdom. These websites often feature sponsored listings and advertisements for aerospace firms that frame their regular job listings. As well, the organisational structure of these job sites allows users to search for a specific job or pursue their ideal job through various channels. General job websites are great for young professionals who want to maximise their job hunt time by submitting a large number of applications and CVs in a short period. These sites should be consulted frequently, even if the other resources are used.

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  6. #414
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    No, no! I?m not talking about ?how to make money by selling underwear?s o?*n the Internet" I?m talking about Jeff Paul, the super marketing guru of 90?s who shouted ?How I Earn $4,000 a Day Sitting at My Kitchen Table in My Underwear?" But it?s a GONE story now. What happened to Jeff Paul, o?*ne of the most successful students of ?Dan Kennedy?s" the father of Marketing?If you were a subscriber of ?Entrepreneur Success" or ?Business Opportunities" in the early 98, you might have noticed Jeff Paul?s catchy ads, depicting him sitting at his kitchen and in his underwear talking over the telephone and counting money and ads like ?How I earn $4000 a day sitting at my kitchen table in my underwear?" Jeff himself declared he makes 1000?s of dollars a day before his lunch! Those catchy, interesting and funny ads were run continuously for about 3 years in the early 98. But those ads were suddenly disappeared; Jeff Paul suddenly sunk somewhere in deep marketing competition.When I started exploring information about Jeff Paul, I heard/read many interesting stories. Much information is not available about Jeff?s childhood or about his parents. Jeff attended the University of Illinois where he studied anthropology. So I?m not sure of what direction he wanted to take in his life. He ended up dropping out of college and worked for his father's retail store in Jackson Mississippi. He had problems with working for his father?s retail store and he was totally unhappy with his decision. So Jeff decided that taking night school classes in accounting might lead him to a better career and income. After a year of classes he moved back to Chicago and purchased an accounting franchise for $15,000 and met his business partner. That was the first chapter of ?Joint Venture" in Jeff?s life!Unfortunately the accounting business didn't last long because Jeff's partner ended up stealing the company coffers. And the worst part is Jeff had naively co-signed an SBA loan which was being called due and payable in full, a whopping $204,000! That?s how destiny played in Jeff?s life.Jeff was down o?*n his luck and about to give up o?*n his dream of financial independence. He found an opportunity to meet and work with Dan Kennedy. (Dan Kennedy is highest paid marketing consultant in America. Dan will give you at least 100 new ideas to improve your current business if you meet him!) Jeff had signed up for o?*ne of Dan Kennedy's seminars as a last bastion of hope.Shortly thereafter, Jeff wrote his first successful direct marketing training course for Financial Planners and accountants. His company was called ?Profit Plan Systems". Jeff is more widely known for his mail order success course, How I Earn $4,000 a Day Sitting At My Kitchen Table in My Underwear. Maybe you can still buy this particular course from classified ads and display ads in ?Biz Magazines" like Business Opportunities and Entrepreneur. Jeff?s ads was selling teaser version of his course for 20 bucks. It was really a glorified sales letter masquerading as a product. Anyway, from there you could order the complete course for about 200 bucks!Although ?How I Earn $4,000 a Day Sitting at My Kitchen Table in My Underwear" does have some excellent gems of timeless direct marketing wisdom (like "Sell them what they want. Give them what they need."), you are probably better served by getting your marketing education elsewhere! Why? The main reason is the quality of the course presentation. Basically the course was a re-purposed version of the marketing system he sold to Financial Planners. Ninety percent of the material was the same. This course was somewhat disorganized, was thrown together in a random manner! Pages were crooked (2nd & 3rd generation photocopies!) and had missing pages. The information presentation was disjointed. For example, it was hard to keep from getting distracted by the poor quality of the page copies.Jeff probably sold resale rights of his marketing course to other marketers who are simply photocopying seminar book pages, popping them in a 3 ring binder; making bad dupes of cassette tapes; placing national ads; selling it as a COURSE! The same ?Copycat Marketing" formula!Whatsoever, Jeff Paul is widely respected for his direct marketing expertise. And he had great mentor like Dan Kennedy. Dan used to introduce Jeff as his favorite and most successful students in BIG Seminars!Jeff actually produced some NO BS great manuals, training videos, inspirations tapes etc. Some of Jeff's books were actually pretty well written. Paul thinks that the internet is not a good place to market products because the average person o?*nline is young and not financially qualified to buy much... but all that is constantly changing or changed now a days. Some marketers said Jeff Paul?s course is great and it really helped them. But the o?*nly problem is that like many great systems, there are now far too many people doing what he teaches. So the system and techniques are saturated. Some of Great stuffs of Jeff?s and their relevant Ad headings! 1> How to Make a Fortune with Joint Ventures: Value $397"How to Make Money Selling Products, Even If You Have No Products, No Customers?Or No Money!!"2> How to Make a Surgeon's Income! Value: $297"At Last, The Totally Risk Free Way For Entrepreneurs Like You To Make Huge Sums of Money Without Ever Leaving Home!" "How to Make a Surgeon's Income as A Home Based Business Consultant (After All It's Not Brain Surgery)" Is The Easy Way To Enjoy The Totally Risk Free Satisfaction Of Making $500-$1,000 An Hour, $10,000-$20,000 A Month From The Comfort Of Your Own Home in Your Underwear!"3> Instant Profits Marketing: Value $497"101 Secrets to a Six Figure Income? How to Get More Customers, Clients or Patients in a Month than You Now Get All Year!" Instant Profits Marketing! How To Use Little - Known, Advertising And Selling Secrets Your Accountant, Advertising Agency Or Sales Manager, Can't Tell You! "No More Cold Prospecting Wasted Advertising, Begging For Referrals, Waiting For The Phone To Ring, Or Frustration! End The Stress INSTANTLY!"4> Jeff Paul?s Boot Camp: Value $997"Hear My Students And Me Reveal Every Detail About Making Money Quick And Easy, Sitting At Home In Our Underwear In The Complete, Unedited Tapes Of The Jeff Paul 2 Day Bootcamp!" "Right From The Horses? Mouths...How Both Myself And My MOST SUCCESSFUL STUDENTS Place Ads, Take Orders, Sit At Home And Make Thousands Of Dollars Each And Every Day In Our Underwear! "Jeff?s other Marketing Stuffs:Video: "How to Make Money Quick and Easy at Your Kitchen Table in Your Underwear." Cassette Tape: "The Number o?*ne Secret Direct Marketing Formula of Kitchen Table Millionaires." Manual: Jealously Guarded Secrets, Formulas, Shortcuts, and Strategies for Instant Cash. Manual: The TRUE Secrets of Making Money o?*n-Line Revealed. Even If You Know Nothing About Computers. Manual: Jeff Paul's Confidential Guide to Products o?*n-Demand. Manual: Jeff Paul's Confidential Directory of Hot Markets. Manual: Jeff Paul's The Beginner's Instant Start Direct Marketing Toolkit. Manual: Jeff Paul's 537 Ready to Sell Reports That Turn Pennies into Hundred Dollar Bills! Jeff Paul is actually a student of the famous Dan Kennedy. Obviously Jeff was a very talented student because Dan took him under his wing and turned him into an advertising giant Now what I believe is Jeff Paul?s Marketing System must be great. But the problem is that he told the whole world about it a long time ago. And now I heard he has several hundred students doing the exact same thing he does. And these students are now teaching and selling his old material to others by writing the same basic type of course they bought from Jeff Paul. You can actually buy Jeff?s products in e-bay auctions at discounted rates. Will it work now? Don?t ask me!Like I said, Jeff and his course are great, but just outdated in my opinion. I searched for Jeff?s products reviews at Amazon. But Amazon?s database contains no information about Jeff?s stuffs. The fun part is Amazon has recommended me to buy Dan Kennedy?s stuffs!I recently heard that Mr. Fire Yanik Silver had an interview with Jeff Paul. I did not find more info o?*n this interview. I think Jeff Paul would have been a success either way just because he has true talent and dedication to his work within himself. Like many other marketing teachers, Jeff Paul is obsessed with marketing. Anyway finally I wish all the best to Jeff Paul and his kitchen table, underwear marketing!Copyright 2004 Mufad Pac

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    Are you in need of a job? Whether you are currently unemployed or if you are looking to change jobs or careers, you may be in need of a new job. Although it is more than possible for you to find and apply for jobs on your own, you may want to think about seeking assistance. For many individuals, that assistance means hiring the services of a recruiter, but did you know that you may be able to get assistance through your state's labor department.In the United States, all states have what is referred to as a labor department. This labor department is able to assist individuals, just like you, with a number of work related issues. One of those issues involves finding employment. If you are unsure as to how you should proceed, with finding and applying for jobs, or if you have been unsuccessful with finding jobs in the past, you may want to consider seeking assistance from your state's labor department. One of the many benefits to seeking assistance from your state's labor department is the options that you have. In all honesty, these options will all depend on the state in which you reside in. For instance, in New York State, you can visit your local labor offices or you can use their online job searching website. The ability to use an online website is ideal, especially if you are currently employed, as you may be unable to visit your state's labor offices during the daytime.Another one of the many benefits to seeking assistance from your state's labor department is the job bank they have. Job bank is a term that is regularly used to describe the number of job openings that the state has access to. You may be surprised with what you find. Many employers, especially those that are locally owned and operated, choose to only advertise their openings through a state labor department. What does this mean for you? It means that you may search high and low and still be unable to come across the same job openings that the your state's department of labor can help you find.Another one of the many benefits to using the assistance of your state's labor department is an increased chance in being awarded a job. Once again, you will find that it all depends on the state in which you reside; however, you will find that if you apply for jobs through your state's labor department, you aren't able to apply for just any job. One of the many reasons why employers trust the judgment of most labor departments is because they tend to only send qualified applicants in for interviews. This increases your chances of being awarded a job, as you are less likely to spend your time applying for jobs that you may not be the perfect candidate for. If you are interested in seeing what your state's labor department can do for you, you are advised to do so, as you really have nothing to lose. Most states offer free assistance to those seeking employment within their state or county lines. You can easily find the contact information for your local department of labor offices by using the internet, namely a standard internet search, or by using your local telephone book.

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