Students Of Success

There is no argument that information products will continue to be a hot seller on the internet. People surf around looking for information on every topic imaginable. If you have, or can research and gather information on a hot topic, you can make huge sums of money selling it online.

Many people, just like you, have made massive amounts of money by selling their information products on the internet. And so can you.

Every day more and more people use the internet to search for the information they want. They want information that will help solve their problems. And they want it instantly.

With ebooks, you can deliver the information they want instantly. Ebooks are books in electronic format. This means your customers can instantly download your ebook from your website. No need to wait days waiting for the ebook to arrive. Your customers can be anywhere in the world. They can still download your ebook once their payment has been processed.

You can make money whether you’re sitting in front of your computer or not. Your website does the selling for you. Your website takes the order and delivers the product without any involvement on your part. You can go on vacation, anytime you want without having to worry.

You don’t have to have special training to be able to do this business. This is a simple business anyone can operate. It is a business where you can start with little investment, and still become hugely successful.

You can always find a hot subject to write about and people will always buy information. Especially when they can get it instantly.

From my own research I have determined that it is more profitable to write in the areas of wealth, health, and happiness. People want to know how to save money, how to make more money, how to start a business. They are interested in information on how to lose weight, how to gain muscle, how to improve their sex life, etc. People will always pay to read information covering hobbies.

Before you start creating your information product, research your market to see if there is a demand for this information. You can use keyword tools, such as, Wordtracker and Overture’s keyword suggestion tool to find out what people are interested in. You can also visit online booksellers and take a quick peek at their best- sellers.

Once you’ve determined that your ebook will be a winner, it’s time to write it. You just need to create the pages in a word processor, then convert it into an ebook using appropriate software and make it available for download from your website.

If you don’t have the time or desire to create your own ebook, you can make money by purchasing resale rights to someone else’s products.

Obtaining resale rights to successful products is one of the many ways that you can make money without having to create anything. Then, you can get to keep all the money from each sale. You never have to pay any royalties. Instead of getting a percentage as you would from an affiliate program, you keep 100% of the profits from every sale you make.

It lets you start selling the product right away. All you have to do is make the necessary changes to the sales page, upload it to your server and start making sales.

To sell your product online, you’ll need a domain name for your business. Next, you need a website dedicated to selling your product. Make sure that your business has facilities to accept online payments. Once you’ve created your website and have set up a system to process payments, you need a reliable web host.

Now you’re ready for the advertising campaign. You can have the best looking website online. You can have high quality, high demand information products, have your payment processing system set up to process all of your orders. But if you don’t have customers, then you won’t make money.

So, you have to advertise. You have to drive traffic to your website. If you don’t advertise and drive traffic to your website, no one is going to buy your ebook. Advertise your ebook through search engines, ezines, articles, forums and any other means available to you.

Selling information on the internet is a very lucrative business. People will always seek, and pay for information that will enrich their lives. This business has made a lot of people very rich. You too can make a fortune in this multi-billion dollar industry.

Conleth C Onu is the author of “How To Make A Fortune Writing And Publishing Your Own Hot Selling Ebooks.” This ebook takes you step by step through brainstorming, writing and marketing your own high-demand ebook. Visit http://www.howtopublishebooks.com and http://www.conlethonupublishing.com

Is your body a type of machine, like a car or a cell phone, or is it a living thing?

I know that’s seems like a weird question, but your answer to it determines whether you agree with the Western medical model or alternative medicine.

Western medicine increasingly sees our bodies as machines with interchangeable parts.

Heart isn’t working right?

Okay, we’ll get that damn thing replaced for you and rotate your tires while we’re at it.

Does that sound like a human body?

Here’s the problem, as I see it. There is no accumulation of substances that you can pile up to create life. Because life isn’t just stuff, it’s mostly relationships between stuff. That is to say, life is mostly due to fields. Electromagnetic fields and other types of fields. That’s what makes life.

Western medicine takes what is called a reductionist viewpoint of the body. That means, no matter what the illness, we can always just take things apart until we get to the “one thing” that caused the problem, the one defective part in the body-machine. I’ve written about the reductionist paradigm in another article.

So, if something goes wrong in your life, some disease, condition or problem, you need to turn first to the fields to find out what happened. Then perhaps it will make sense to think about the substances and see what you can do there.

Machines are just piles of stuff. They aren’t dependent on any “field of life.” That’s silly. You just put the stuff together in the right way and the machine works. But human bodies (or any animals or plants) don’t work that way. We’ve tried it a million times, and whenever we try to create life synthetically with piles of stuff, we just can’t.

Many types of alternative medicine, including acupuncture, ayurveda, energy healing, etc., look at the fields first and try to correct them. Then you add substances (herbs, physical exercises, etc.) to round out the treatment. But they don’t start with the stuff. They start with the fields.

Our health problems often begin in the fields, called meridians in Chinese medicine or chakras in Indian medicine, moving into our physical body later. When a problem manifests in the body, it’s already late in the process. You can probably still do a lot by adjusting the fields, but you’ll also have to deal with the physical issues too.

But you might want to leave the dangerous, expensive treatments like drugs and surgery as a last resort. Doesn’t that make sense? If you’ve got a very powerful, but very deadly, treatment, wouldn’t you want to use that last rather than your first line of defense?

Daryl Kulak is the author of Health Insurance Off the Grid, a book that explores how a combination of holistic health and the new Health Savings Account (HSA) can make an enormous difference in the budget and health of the self-employed. Daryl is not a medical doctor, nor is he an insurance agent.

Where do you find a cell phone that will help me communicate more effectively? From everything I have read or looked at, it appears that there are many good cell phones available from many companies. One of the best companies is Motorola cell phone. There are a number of different Motorola cell phones available that can help you to communicate more efficiently. Depending on what type of communication you require, a Motorola cell phone may be just the thing for you.

Before choosing the phone that will most aid your communications needs, you must first determine what those needs are. Do you need a Motorola cell phone for business communication? Or were you looking for something to use on a more personal level? That is a decision you should try to make before you determine which Motorola cell phone is going to work best for you.

Another questions you should ask yourself going into a Motorola cell phone purchase is: what features do I need for the phone to best solve my communication needs? Decide whether or not you need text messaging, internet access, or even something as simple as call waiting. Obviously, a lot of that will be determined by how busy you or your business is and how much time, then, you are spending on the phone. Text messaging can be a good feature on your Motorola cell phone if you tend to need to communicate in meetings or other locations where talking out loud on your phone may not be practical. As for internet access, how important is your email? Is it something you need access to constantly? If it is important and you find yourself needing to check it often, you should consider internet access on your Motorola cell phone.

Thirdly, as with anything, you have to decide how much you want to spend on your Motorola cell phone. The range in prices is as wide as the range in features and functions. Bare in mind that you often get what you pay for, so the more features you want on your Motorola phone, the more money you are likely to pay.

Deciding which Motorola cell phone will best meet your communication needs is not necessarily an easy prospect. However, like with anything, you can find the right piece to meet your needs by doing a little homework and planning. Figure out exactly what you need a Motorola phone for, what features will help you out the most, and figure out how much you want to spend on the phone you decide on. Once you have made these decisions and determinations, you will be able to get the right Motorola cell phone to meet your communication needs.

If you would like to find more of my personal articles on cell phones please check out my technology website!

One day back in 1985, I received an unexpected phone call at my office from a man named Gordon Carl (not his real name – but whose real name I’ll never forget). The thing that initially struck me the most about the polished Mr. Carl was his heavy New York accent, like something you might hear in a gangster movie. The purpose of his call: to offer me a “great deal” in rare coins. As a result of that conversation, I agreed to purchase five 1943 Walking Liberty half dollars Mr. Carl described as MS-65 specimens. Furthermore, he guaranteed that his firm would buy the coins back from me at any time of my choosing, paying 5% less than the “Grey Sheet” bid price. As an unmarried “yuppie” (now there’s a word you don’t hear much anymore), I calculated that I could afford the $1375 required to make the purchase. Perhaps more than anything, greed clouded my judgment, and like a fool, I trusted Mr. Carl and dropped a check in the mail the next day.

Later in 1985, Mr. Carl’s company changed names. Rather than interpreting this as a flashing red warning signal, I eagerly sought to add more coins to my portfolio. Being a gregarious sort of fellow, I attempted to establish a friendly rapport with Mr. Carl and his associates. Looking back after all these years, what has irritated me perhaps more than anything is how this shyster must have smirked every time he heard my voice, for what a gullible, willing dupe I was.

In 1989, I decided it was time to cash in my coins, so I called Mr. Carl. Not surprisingly, the company was operating under yet another name. I couldn’t get through to Mr. Carl, but ended up talking to his brother, Maurice, with whom I had never spoken. I informed him that I wanted to liquidate my Walking Liberty half dollars in accordance with the buy-back policy under which I had purchased them. Much to my disgust, he coldly declined, indicating his organization was not affiliated with those earlier companies, and was under no obligation whatsoever. In fact, he insinuated that he had never even heard of these outfits before, despite the fact that his brother, Gordon, factored prominently in these businesses. At that moment, the fog was finally lifted from my eyes: I had been scammed! Not knowing what else to do, I politely said goodbye, and hung up. I sat there, staring at the phone for what seemed like an eternity, in stunned disbelief.

Several days later, I took my 1943 Walkers to a local coin dealer, the first step in submitting them to a third party grading service. I didn’t expect them to grade out as MS-65, but if they came back as MS-60 or MS-63, I could at least begin there to cut my losses. The dealer studied a couple of the coins closely under magnification, and then sadly declared the coins were damaged due to improper cleaning. He advised me not to have them professionally graded, because the cost of grading probably exceeded the value of the coins. With few options left, I put the tainted Walkers in storage, vowing never to repeat this experience.

Let’s now flash forward to the present time. Normally, I don’t like antagonizing myself, so it was with some reluctance that I fired up the computer to play the game “What If?” That is, what if I had spent my $1375 with a reputable dealer in 1985 to purchase Walking Liberty half dollars? What kind of value increases would I be enjoying today had I been smarter back then? To answer this question, I first retrieved the historic value trend tables I researched in late 2005 for Walking Liberty half dollars. For each date, mintmark, and condition, I noted their values in 1985, and placed them next to their corresponding values in 2005, for a “before and after” comparison. In all, there were about 450 such comparisons. Next, I calculated an annual compounded percentage return rate for each data pair, and sorted them from highest to lowest. I then listed the top 20 for closer examination:

Date………..Condition……..1985 Value……..2005 Value……..Annual ROR

1917-D Obv….MS-65……….…..$3000……………..$27500………….…..11.13%
1921-S…………F-12……….…….$30.00……..…….…..$250………….…..10.62%
1919-D…….…..MS-65…………$15000…………..$115000……….…….10.19%
1917-S Obv….MS-65……………$5250……….…….$35000………………..9.45%
1918-S…………MS-65……………$3000………..……$17500………………..8.76%
1916-S…….…..VG-8………..…..$30.00………….……..$150…………….…..7.97%
1917-S Rev…. MS-65……….…..$3500……………..$17500………………..7.97%
1921-S…….…..VF-20………….…..$200…………..…..$1000…………..…..7.97%
1921-S…….…..XF-40…………….$1000…………..…..$5000………….…..7.97%
1921-S…….…..MS-65……..…..$22500…………..$110000…………..…..7.85%
1918-D…….…..F-12………………..$8.50……………..$40.00…………..…..7.65%
1918-D…….…..MS-65……………$5500…………….$25000…………..…..7.48%
1921-S…………VG-8…………….$17.50………….…..$75.00…………..…..7.18%
1921-D…….…..MS-65……….…..$6500………..…..$27500…………..…..7.11%
1916-D…….…..VG-8………..…..$12.50………………$50.00…………..…..6.82%
1938-D…….…..F-12……………..$25.00………………….$100…………..…..6.82%
1938-D…………VG-8………..…..$20.00………….…..$80.00…………..…..6.82%
1920-S…………MS-65……….…..$3750……………..$15000………………..6.82%
1917-D Rev….VF-20……….…..$45.00…………….…..$175…………..…..6.68%
1938-D…………VF-20……….…..$32.50…………….…..$125………..……..6.62%

The Walker with the best return since 1985 is the 1917-D (MM on Obverse) in MS-65 condition. At $3000, it was well beyond the $1375 available to me to spend on numismatics in 1985, as were all nine MS-65 coins appearing on the above Top 20 list. However, the remainder of the Top 20 represented coins in circulated grades, and all were within my price range. Had I directed my hard-earned cash toward the purchase of a legitimate example of each of these coins, I would have spent $1421, just barely above what I forked over to Mr. Carl. Today, those same Walking Liberty halves are cumulatively worth more than $7000. In pure financial terms, this increase computes to an annual compounded return rate of nearly 8.00%. If only I had known then…

Take note that all 11 of the Walkers that I wish I had added to my collection in 1985 are recognized as key and semi-key dates in the Walking Liberty half dollar series. The fact that they are for well-circulated specimens (typically not the object of affection for promoters and speculators) suggests that what has propelled these coins to ever-increasing heights over the years is fueled by consistent collector demand. We can expect to see similar patterns in the future. If I were to conduct this same study in the year 2025, comparing retail values then to what they were in the year 2005, the Top 20 would probably strongly resemble the Top 20 in 2005.

What became of the 1943 Walking Liberty half dollars Mr. Carl suckered me into buying? Well, I still have them, squirreled away in a bank deposit box. I haven’t even looked at them in a decade or so. As I was writing the final words of this article, it finally dawned on me to ask one more question: how would my investment have performed had these been bona-fide MS-65 specimens? Taking the same body of data used to derive the Top 20 above, I started thumbing down the list… going down, down, and down some more. Finally, I came across the 1943 in MS-65 condition, on line 419. The annual rate of return of this coin since 1985 is a dismal -2.13%. That’s a NEGATIVE 2.13%. Ironically, even had Mr. Carl been an honest businessman, it still would have been a lousy investment for me.

There are two lessons to be learned here: (1) If interested in seeing your coins increase substantially in value in the years ahead, purchase coins that have already demonstrated a long record of consistent price advancements, which usually are the key and semi-key dates for a given series, and (2) Deal only with reputable people.

So what ever happened to the slimy Mr. Carl and his band of thieves? Well, perhaps there is some justice in this world, after all. In late 1989, about the time I discovered I was being victimized, the United States Postal Inspection Service began an undercover sting operation of the company. Apparently, I wasn’t the only unhappy customer, but my losses were minimal compared to the sums bilked out of others. In February, 1991, postal agents stormed the “boiler room” outfit, executing a federal search warrant based on a complaint involving the alleged fraudulent selling of coins through the mail. Mr. Carl and others were arrested and led away in handcuffs.

Postal authorities publicized that anyone with grievances against the company was encouraged to contact them, to help bolster their case against the defendants. Since I kept meticulous records, I had no trouble assembling incriminating documents and forwarded everything to the Inspector’s office, tied together by my personal story. I never heard exactly how the case was resolved, but it seems almost certain these crooked telemarketers got what they deserved. As for me, I won a small measure of satisfaction, knowing that I provided evidence to help expose them. Now, if I could just figure out what to do with those defiled 1943 Walkers…

Daniel J. Goevert is the webmaster of US Coin Values
Advisor, specializing in coin value trends and listing bullish US coins. The site also includes detailed coin collecting advice and an illustrated history of the US Mint.

Many people think that spy gadgets are good only for amateurs,
wannabes, and intelligence professionals. The truth, though, is
that spy gadgets are extremely useful for the everyday Joe or
Jane. This is because these items, also called surveillance
equipment, can be very useful in helping you defend your home,
family, and property. There is no reason to poo-poo these
gadgets. In fact, if you have a security system of some sort,
you already use spy gadgets to help protect your home.

The spy gadgets most in use by average consumers are home
surveillance related items. These are things like cameras and
listening devices that help you keep tabs on what is happening
inside and outside of your home. These gadgets are not the same
as having a monitored security system where someone else keeps
tabs on your home. These pieces of equipment are part of a
system that you control and that you use to personally ensure
the safety of your home.

Cameras are among the most useful of the spy gadgets. They can
be placed outside or inside the home, and come in a variety of
styles. For instance, there are hidden nanny cams that look like
regular household objects but that are, in fact, recording what
the babysitter does with the kids when you are away. Outdoor
cameras can help you identify vandals and would-be prowlers.

Listening devices, however, also have their place. Often, just a
silent picture lacks context. With spy gadgets in the form of
listening devices, it is possible for you to have sound with the
picture. Additionally, if for some reason the visual is blocked,
a sound can give you information. Just like the hidden cameras,
many listening devices also come disguised as ordinary objects.
Others are guarded when they think someone is listening or
watching. Disguised objects helps you see who the person really
is, since she or he will not realize that someone is paying
close attention.

With the right spy gadgets you can protect your family, your
home, and your property. All you need to do is install a
surveillance system that you operate, and you can protect the
things and people most precious to you with the help of spy
gadgets.

(c) 2005 Copyright www.spyassociates.com. This article is about:
Spy Gadgets. To learn more about Spy and Surveillance Products
visit http://www.spyassociates.com<
/a> Read other related articles at http://spyassociates.bl
ogspot.com/

Copywriting is the ONE skill that will
turn words into cash, and it’s really
the one thing you must learn if you’re
thinking of selling anything at all.

From traditional direct mail and now to
the internet, the power of words has
already made millionaires out of
ordinary folks like you and me!

Successful copywriters know this.
That’s why they charge exorbitant fees
for their services, which will no doubt
still be money well invested.

The good news is, you can have this
power too. You can write your own sales-
pulling copy everytime - if you know
the ‘tricks’.

Well read on and I’ll reveal to you 3
jealously-guarded tips that can turn
you into a copywriting genius quickly…

(1) Start A Sales Letter ‘Swipe File’

Simply start collecting winning sales
letters AND emails into a ’swipe file’
that you can refer to for :

* Your own education

* As an ‘idea generator’ for your copy

* As inspiration and motivation

You’ll find this ’swipe file’
invaluable to writing your own killer
copy. Successful copywriters literally
swear by this method in creating
awesome sales letters.

(2) Write As If You’re Your Own Prospect

The real secret to copywriting genius
is to get into your propect’s mind and
encourage action at will.

And the best way to do this is by
becoming your prospects!

Write your copy from their view and put
yourself in their shoes. Think like
them and you’ll build a subconscious
rapport that wins them over.

Throughout your copy, ask questions
they would ask.

Write from the heart and answer these
questions.

Ask yourself too : “would YOU buy this
product yourself if you’re reading the
copy you wrote?”

Identifying with your prospects must
begin right from the headline down to
the final P.S.

(3) Create The Achieved End Results

Here’s a tip that works like crazy.

Create the actual OR perceived end
results write at the beginning of your
copy. Give specific details. Continue to
emphasize these results and benefits
throughout your letter.

Give a ‘tangible’ feel to what can be
achieve IF they buy, and what they’ll
lose if they don’t.

A simple example…

Don’t write : “You’ll receive unlimited
traffic to your website everyday!”

So? What does that achieve?

Write instead : “Generate 1000% more
traffic, subscribers AND sales with
less than 5 minutes work!”

This shows the end results more clearly.

Copywriting’s easy if you know the
right techniques.

Apply the above 3 tips and you’ll be
improving your own copy quickly …
without spending hundreds of dollars or
hours on copywriting courses or ebooks.
Try it.

About the Author

****************************************
Copyright (c) By Ewen Chia
Finally! Discover Web Marketing Secrets,
Tips And Resources In Less Than 30
Seconds And Without Spending A Single
Cent!
http://www.marketing-make-money.com
–> P.S. More hard-hitting articles
can be found at
http://www.EzineArticle.com

As the world looks to alternative fuel sources to save the environment and money, solar energy has come to the forefront. Sharp solar is known as one of the leading manufacturers.

Sharp Solar – Solar Energy Manufacturer

Solar energy has become increasingly important in today’s world. With fuel prices skyrocketing and other forms of home energy being impractical, solar energy is the Earth’s best solution to powering our lives. Solar products are a great way to collect energy from the sun and harness its power to run our households.

Sharp solar products are a great choice in the solar market place. Sharp is the number one manufacturer of solar cells, manufacturing more than its three nearest competitors combined. Sharp solar products are a convenient, safe and economical way to absorb solar energy and convert it into a usable form for household use. Sharp has led the solar industry for over 45 years now, and they have installed solar product systems everywhere from houses to office buildings to even on satellites.

There are four basic parts to the Sharp solar energy production system. The solar modules collect the sun’s rays in their solar cells and convert it into usable energy. The inverter converts the electrical current that s created from DC (direct current) to AC (alternating current), which is the type of electricity used in homes. The Sharp monitor allows you to see how your system is doing in terms of output and performance. The final part of the system, the electric meter, shows you how much power you are using.

In 2003, Sharp introduced their residential solar systems for use in the United States. These systems, used throughout the world before coming to the US, have allowed Sharp to be named the number one solar cell producer in the world every year since 2000. Sharp solar products are now also being produced in a “clean” factory in Memphis, Tennessee, which represents an investment on the part of Sharp into the future of solar power.

Sharp offers their solar power systems for sale through their own Sharp Solar department, or through an independent Sharp Solar Certified Installer. The installers are able to come to your home and help you decide on your own solar energy needs. They then they can quote you a price on the amount of work and materials needed to make your house a solar powered one.

Whether you want to cut down on your energy costs or cut down on damage to the environment, Sharp solar products are a great way to achieve your goals. Solar products are cost effective and, once installed, easy to use and maintain. Solar energy is a great way to reduce your dependence on fossil fuels and other Earth-harming energy sources.

Rick Chapo is with SolarCompanies.com, a directory of solar energy companies.

Benjamin Franklin famously said, “In this world, nothing is certain but death and taxes.”

Unfortunately, you can’t avoid death. But a carefully-drafted estate plan can help avoid
taxes, family conflicts and a lot of unnecessary heartache. The following provides a general overview of the estate planning process, and what to expect.

Why do I need an Estate Plan?

Many of us spend our earthly lives accumulating assets which, unfortunately, upon our death, will not go with us. The top 2 reasons for having an estate plan:

1. So you can transfer your wealth to your chosen heirs, in your chosen manner;

2. So you can plan for and effectively limit the taxation of your estate;

What if I don’t have an Estate Plan?

If you die “intestate” (which is without a will) or without an estate plan, lots of things can happen, such as:

1. Intestate Succession: When someone dies without a will, the government will step in and decide who gets what.

2. Probate: The estate could go to probate, a costly and very public process. (See below: What is Probate?)

3. Guardianship of Minor Children: If both spouses pass away, it is a good idea to list who they want as a guardian.

4. Higher Estate Taxes. Higher estate taxes = less for beneficiaries.

What is Probate?

Probate refers to process of legally validating a person’s will. Such a procedure takes approximately 9-12 months. The court appoints a person designated as an “executor” to handle the assets and to administer the estate. The fees that the executor and attorney receive are set by law (a percentage of the value of the assets which go through probate.)The total fees can be approximately 5-6% of the estate assets.

How Do I Avoid Probate?

Please note that wills DO NOT avoid probate. (See Below: Wills v. Trusts).

In California, the first $100,000 of an estate is exempt from probate, meaning that the first $100,000 can be collected without a formal Probate procedure. All else is subject.

Some probate-avoidance techniques are:

1. Revocable Living Trusts;

2. Joint Tenancy;

3. Life insurance and retirements accounts which name a beneficiary;

4. “Pay-on-death” accounts

5. In California, “spousal confirmation proceeding”, where a petition is filed with the court, notice is given to certain parties, and if no one objects, the court approves the assets as going to the spouse. This procedure can only be used for husband and wife.

Is Probate Always Bad?

Nowadays, people tend to associate “probate” with the bad and ugly. However, there are some instances that probate can provide benefits. For example, if your estate owes a lot of debts, to a lot of creditors; or if you believe someone may challenge your estate in court. You should discuss these issues with a qualified estate planning attorney.

Wills v. Trusts

As explained above, wills do not avoid probate. Even if you have a will, upon your death, the will becomes a public document. A will is subject to probate, which can be a painful, drawn-out process that most people would want to avoid.

A living trust, however, avoid probate. The principle behind a Revocable Living Trust is this: When you establish a Living Trust, you transfer all your property into the Trust, and then name yourself as trustee (or spouse as co-trustee). You will also name “successor trustees”, who will take over your assets and handle them pursuant to your instructions. Since the “successor trustee” will be following your decisions, the probate courts needs not be involved.

The trustees maintain complete control over the property, the same control you had before your property was placed in trust. You can even discontinue the Trust if you choose.

Another important difference between a trust and a will is that a will is not effective until you die. A trust, however, is effective as soon as you make it, and can offer protection if you become disabled or incapacitated.
How Do I Transfer My Assets to a Trust?

In order to fulfill the purpose of your estate plan, you should fund the revocable trust you have by transferring your assets to the trust. For all transfers, title should be transferred to the trust. For example, if I were to set up a trust, I would transfer title to my property to “Kelly Chang, as Trustee, or the acting successor Trustee, of the Kelly Chang Revocable Trust Dated March 6, 2006”.

The following describes the transfer process for basic types of assets. For assets not listed, please consult with a qualified estate planning attorney.

1. Real Property In California: It will be necessary to prepare and record a new deed in order to transfer title of real property to your trust. It is also necessary to submit a Preliminary Change of Ownership Report with the deed notifying the local county assessor as to whether the property is subject to reassessment. A transfer to a revocable living trust is exempt from reassessment.

Please note that if there is a mortgage, you should contact your lender and request a waiver of enforcement of any due-on-sale clauses contained in the loan documents.

2. Real Property Outside of California: Laws vary from state to state regarding transfer s of real estate. Best to consult with an attorney located in that state who is familiar with local rules regarding property taxation, income taxation, and law regarding mortgages as it affects such property. We can help you find such an attorney who will assist you.

3. Cash Accounts: You should contact all banks and let them know that you have a living a trust and wish to transfer assets to it. You should change the name on the bank accounts and CD’s by completing new signature cards as the Trustee.

4. Stocks and Bonds: Your broker should help you with this.

5. Life Insurance: The beneficiary should be changed to the trust; however, if it’s a small policy, you may wish to continue the designation of your original beneficiary.

6. New Assets: All new assets should be acquired in the name of the trust.

If I Have a Living Trust, Do I Need a Will?

Yes, most trusts will have a “pour over” will, which simply provides that any assets held in your name alone at death, which were not in your living trust, will be transferred to your living trust. However, these assets not originally in the trust will not avoid probate.

Should I Change or Update My Will?

Congratulations, you’ve made your estate plan. When should you make changes or update the documents? It truly depends. Generally, if something major happens, such as a death of spouse or beneficiary, divorce, adoption of new child, or winning the lottery. Please consult a qualified estate planning attorney.

Kelly Y. Chang, Esq. is the owner/founder of the Law Offices of Kelly Chang, a Professional Law Corporation. The firm specializes in Estate Planning, Real Estate Law, and Family Law. Ms. Chang was born in Taiwan, and is fluent in Mandarin Chinese, Taiwanese, and French. She is passionate about international issues and has traveled to 30+ countries. In addition, Ms. Chang is an accomplished classical pianist and composes and performs music in her spare time.

The problem with debt accumulation or debt trouble is that it happens quickly. Almost before we know what has happened. Unfortunately, getting out of debt through debt consolidation seems to take a much longer time than we all hope for.

However, being informed and having access to the right information can make all the difference and can determine how quickly you can get out.

There are three critical steps that you must take to get out of debt effectively.

1. Do your homework.

I know life is stressful while in this situation. I’ve been there and understand the urgency of getting out. With that being said, you may feel that you need to fix this situation immediately and you are right, you do. However, you don’t want to make a big mistake and wish you had spent a little more time doing your due diligence.

By understanding what options you have for your particular circumstance will allow you to make an informed decision. And an informed debt consolidation decision will save you money and time.

2. Stop Spending.

This one seems obvious, but many people fail to make the necessary decisions to reduce their cash outlays. Sit down and determine what is a “need to have “, in contrast to a “nice to have.” By doing this you’ll take a lot of stress off your plate.

Pay attention to the things you buy on a daily basis. For instance, do you really need that gourmet coffee or would a nice cup from a cheaper place do the job? You’ll be surprised by the amount of money that is wasted on simple items and at the end of the day you have nothing to show for it.

3. Find Help.

Whether you decide to do it yourself or seek help, you’ll find the assistance a sure way to get where you want to go a lot quicker. The internet has incredible debt consolidation and debt reduction tools to help support your goals. You just need to find them.

Once you complete the three steps above, then it is time to look for loans that have great terms. And if you complete step number one you’ll know what they are. Remember, do it now because being in debt and living with that stress is no life.

Greg Meares understands the stress caused with debt and debt consolidation. As a result, he has provided a very informative portal to provide people with free articles and other tools to take action and change their lives for the better. Visit: http://www.debtrepaironline.com to learn all about your solutions available.

Clean Vacationing
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Admit it. When the sun is out and you are at your favorite campsite or cottage on the lake the last thing you want to do is spend a lot of time cooking a meal. Often, when vacationing, the lure to purchase instant foods is strong. Unfortunately, these convenience foods often come over packaged usually including some type of plastic. As we can see when we come across trash in the wilderness, the plastics tend to linger the longest - other than maybe glass and metal. Nothing ruins the feel of a pristine, natural area more than a bunch of garbage. Numerous studies prove that tourists return to an area primarily for its cleanliness and greenery. In this era where the economy has come to rely more on tourism, cleaning up is truly a benefit for the community.

We soon realized that walking by these messes and complaining over such disrespect, we were behaving not much better than the polluters who left it. Now when we hike we pack a supply of plastic bags (grocery bags work well) to clean up as we go. Often we earn up to $10 in returnable bottles and cans in the process. When you take a bit of time to clean up some trash not only do you have a better trail or beach to come back to, you have helped to make it safer and nicer for the next user. This simple measure just might influence others to keep it clean, as well.

When on the water with the canoe we also clean as we go by diving for garbage below the surface using a mask and snorkel. It is amazing the finds we have from these excursions under water. One of the first times we did this, we found an expensive diving mask in about 30 feet of water – enough incentive to continue this practice! We have found antique bottles, jewelry, fishing lures and reels.

It feels very good to clear up a beach of shards of broken glass hiding just below the surface before an unwary swimmer splashes into it. It does not, however, feel as good to find a large fish hook by imbedding it in the bottom of your foot. Take heart in knowing you have done a good thing as your expletive echoes off the far mountainside. Imagine an innocent child stepping on that hook instead of you and decide if it is worth taking the time…

About the Author

– Written by Dave and Lillian Brummet based on the concept of their new book Trash Talk. The book offers useful solutions for the individual to reduce waste and better manage resources. A guide for anyone concerned about his or her impact on the environment. (http://www.sunshinecable.com/~drumit)