Sunday, December 27, 2009

Angie Mitchell Found a Residual Income Gold Mine | Savings Highway

I believe if you have enough desire and are persistent, you can achieve just about anything. The same is true for an internet business and generating a stream of residual income. We all know why we want residual income - so we can travel, spend time with our families and generally do the things we want.

Starting your own internet business is one of those things where your initial investment of time will not be rewarded very well at all, but as you keep at it, you WILL eventually be paid for every minute of the time you put in, and paid very well.

A lot of people have the delusion belief that things have already peaked with the internet, but this couldn't be any further from the truth. In fact... things are just beginning. As the economic growth continues, more and more people are discovering the internet for the first time. All these people that were never part of the .com boom now want in. That being said, it's a very good time to get your piece of the pie.

Networking marketing has become one of the most popular ways of earning residual income. However, due to constant management and business planning issues, this form of marketing is also considered as one of the riskiest techniques. Pick ONLY reputable companies that offer quality training and that show proven growth.

There are knowledgeable people with years of experience willing to show you the way and lead by example. They can show you how to earn a residual income. Heed those who tell you "You'll make thousands in no time!" because it's going to take a little while when you first get started but you will be rewarded for your efforts down the road.

You get there by making a promise to yourself - commit to a certain amount of time every day. If you can only spare 30 minutes, turn off the TV and go do it. You'll be very glad you did.

Great things start with small actions and by being persistent. Ask yourself this; is a chance at earning a residual income worth 30 minutes per day of your time? It all depends on how fast you want to get there.

When I picked my Business Opportunity, I did my research, I gathered information and made a decision to join Savings Highway 2 months later. It's extremely important to believe in what you are promoting because people are pretty good at sniffing out the "fakers." Residual income is what you want. Unfortunately, there are many opportunities available that really do an injustice to this concept. So, master the concept of residual income and you'll master your destiny!

We've all heard the story of the gold miner who toiled fruitlessly for a long time before deciding to give up and move on. He makes the decision one day that enough is enough and packs up, selling his claim to a new miner. The new person starts digging and finds the trail of gold almost immediately.

He then gets to spend the rest of his life thinking about "what if..."

The good news is there is still gold to be found and its on the internet.

Dig for gold Here and don't give up!

Angie Mitchell

My Blog

Saturday, December 26, 2009

URL Rotators | 12 Second Commute | Jim Roche NJ- Submitted by Jim Roche NJ

What Is... A URL Rotator?

And how does it work?

A URL rotator (sometimes known as page or link rotators) is a system where the same link or URL sends the visitor to different website addresses either in some rotation pattern or randomly. The service offered by URL rotators has several potential uses, particularly for those who are engaged in the work of marketing their services or products. In simple terms, a URL rotator is in charge of displaying a different web page whenever a person happens to click on your link. The URL rotator either randomly selects another URL or points to the next URL (meaning visitor A will see 1, 2, 3, 1, 2 etc as will visitor B) or the next in sequence across all visitors (meaning visitor A might see 1 then B sees 2 then A reloads and sees 3 and so on).. You submit this list of URLs to the company or person offering the rotator when you become a member of their site. The most common is that any visitor advances the sequence as the person using the rotator doesn't generally care who sees the individual sites in the sequence as long as they are all displayed equally This might be done so that one URL promotes different websites, e.g. where a group of people do a group 'co-op' advertising and they want to ensure the traffic is divided fairly and automatically.

What's the point?

In truth most people would have no legitimate use for a URL Rotator.

However, in the context of advertising, a rotator can be an extremely useful tool. Here are a few examples...

1 Single user promoting multiple sites

In this scenario, a user has a source or multiple sources of traffic that they point to their rotator. They can then customize very easily where that traffic goes. This is especially useful if they have multiple sources of traffic because they only have to change the sequence in the rotator and all the traffic from all the sources will be diverted accordingly.

2 Easily switch to promoting different sites

This is similar to the previous examples but the user again might have many traffic sources. By poining all those sources to one rotator, it's then very easy to switch from promoting site A to promoting site B.

E.g. An affiliate might abandon product A because a new product B is better with higher commissions and the marketer can instantly switch all the traffic to the new product.

Also, if product A disappears for some reason, it's much easier to just change the rotator to a new site then to have to go to all the different traffic sources changing their destination url.

3 An advertising co-op (Team Advertising)

An individual can set up an advertising co-op where members of his/her downline are invited to buy shares in an advertising pool. The organizer purchases traffic or advertising and points the traffic at the rotator. The rotator then displays the next website in sequence, ensuring that all the members of the co-op get their fair share of the traffic. It even lets people buy multiple shares in which case they have their URL in more than once and equal to the number of shares they bought.

It can also be used to divert different ratios of the traffic to different sites, e.g. 75% to site A and 25% to site B (include site A 3 times in the rotator setup and site B once).

The One that I Use

I have used many URL Rotators but the one I recommend most highly is the 12 Second Commute URL Rotator. That's largely because Darryl Graham and the trainers at the 12 Second Commute are knowledgable and committed to you success in your online marketing efforts. To learn How to set up and Manage you URL Rotators Visit the Video Training Site Here

For More Information or To Become a Member of the 12 Second Commute

Jim Roche NJ

Thursday, December 24, 2009

12 Second Commute Users Have Big Tools | Angie Mitchell

Submitted by Angie Mitchell

The Entrepreneurs who use and provide online marketing tools and services to the mammoth amount of people looking to make money online are the ones making the most money!

12 Second Commute gives you the opportunity to become one of these successful entrepreneurs!

If you've been looking for a way to make money online that is NOT going to break the bank and give you the ability to honestly and realistically make money, then this is your opportunity. There are over 100 million people looking to make money online. Every one of those 100 million people need the online marketing tools and 12 Second Commute is going to supply this if they are going to succeed, with whatever program, product or service is being sold.

I have and you can also get your piece of the Internet opportunity that will always be in demand and always be affordable.

What Exactly is 12 Second Commute?

12 Second Commute is a service that includes access to all the tools and services you need to succeed online. That's it....everything needed to run an online business - ALL IN ONE PLACE!

Who Owns 12 Second Commute?

12 Second Commute is owned and operated by ISORegister, Inc. Darryl Graham is the owner and has been successful online since 1999. All the tools included in your 12 Second Commute account have been developed to be top notch and professional-grade, yet extremely easy to use.

Darryl utilizes his time helping others learn to use the Internet to create positive income streams the correct way without all the useless hype that pervades the Internet.

When you get 12 Second Commute, you can contact Darryl personally because unlike other online businesses, Darryl makes himself available to his clients and does not hide behind an email address.

How Much Does It Cost?

You can get started for FREE as we want you to see the power of the system and test the marketing tools, then when you see the power of this system, you can easily upgrade in your members area and the cost ranges from $9.95/mth - $39.95/mth. No, that is not a typo!

You will remain a free member for a full 30 days, this should give you time to review the 12 Second Commute system and make an informed decision on how the service will benefit you.

I highly doubt it BUT in the unlikely event you decide that 12 Second Commute is not for you, you simply cancel your account. Or you do nothing and your account will be automatically deleted for you. Either way, you will NOT receive any emails asking you to come back or trying to sell you anything, and you will be permanently removed from the database forever.

Check Out My Tool Box

Angie Mitchell

My Blog

Tuesday, December 22, 2009

Retirement Planning | Who Packed your Parachute? | Jim Roche NJ Submitted by Jim Roche NJ

Retirement Social Security is a lot like a parachute-when you jump out of an airplane you know it is there you just hope it opens to guide you safely to the ground. The same can be said about Social Security Retirement Planning- you know you have done it you just hope you have done it well enough to guide you to financial safety after you retire from your 9-5. Yet most people may not know much more about it than that.

Social Security facts to take into account when planning retirement:

Social Security Retirement Benefits do not automatically start coming in the mail the first day you retire. They must be applied for. The easiest way is to set up an appointment with the local Social Security office or call (800) 772-1213.

To get an official statement of all the earnings recorded in your Social Security account, an estimate of your current disability and death benefits, and an estimate of future retirement benefits, fill out a Form 7004 Request for Social Security Statement, obtainable at your local office.

If you do not find and correct errors in your Social Security record within three years, they become part of your permanent record. So, you might start planning to check on them every three years or so.

If you are planning to work in retirement, you can, but if you earn too much it will reduce the size of the benefits you are receiving from age 62 up to your normal retirement age. The limits on such earnings are currently $14,160 for 2009. Retirement Benefits are reduced by $1 for every $2 that you earn over this amount. Though, the amount of Social Security one "forfeits" because of "excess earnings" does get re-paid to you upon reaching full retirement age via an increase in your monthly payment. After you attain your normal retirement age, you may work as much as you want with no reduction in benefits, although they may become taxable if you earn too much.

You can increase the size of your retirement benefit by delaying collecting your benefits and by remaining on the job past full retirement age. This higher benefit comes from extra earnings toward your account and a credit awarded for this patience, ranging from 3 percent to 8 percent of your benefit depending on your date of birth.

For people born after 1937, normal retirement age has increased. For example, if you were born in 1940, full retirement age is 65 and six months; born in 1950, it is 66. Anybody born in 1960 or later will be eligible at age 67.

Social Security Disability Benefits do not continue past normal retirement age. The month before you attain normal retirement age, the disability benefits are automatically converted to retirement benefits.

There is a limit to the amount of benefits that can be paid on each Social Security record called the maximum family benefit, generally around 150 to 180 percent of the worker's benefit. If this limit is exceeded, the family benefits are reduced.

Ex-spouses, widows and divorced widows may all be eligible for benefits on a spouse's record. Provided the requirements are met, they may even all be collecting on the same worker's record.

There are two Social Security trust funds: one used to finance retirement and survivors benefits and the other used to finance the disability program. Money not used to pay current benefits, by law, is invested only in U.S. Government Treasury bonds.

Social Security is a significant resource for many retired individuals. Spend some time with your financial planner learning about what part these benefits should play in your retirement planning future.

Are you comfortable hoping that your Social Security Retirement Benefits parachute will open and be enough for you in your retirement years? Early Retirement Planning requires you to do your due diligence ahead of time. If you are planning retirement due to your age or just looking for an opportunity to retire early from your current employer. The Savings Highway has put together a program for you to be able to Retire Early with 21 discount programs included with membership. Jim Roche of NJ has created The Early Retirement Planning Forum for you to visit join and post all of your early retirement planning tips as well as provide information and resources for those wanting to retire early, or just what is necessary for you to know how retiring early can become a reality.

For More Information Contact

Jim Roche NJ

Monday, December 21, 2009

Bring Home the Residual Income Bacon | Angie Mitchell Submitted by Angie Mitchell

I'm not against earning some good, honest, "one-shot" linear income, but given a choice, which would you rather do: work hard and get paid only once, through linear income, or get paid continuously - perhaps for years or even the rest of your life - for hard work you perform only once, through residual income?

Linear income is directly proportional to the number of hours invested in it (40 hrs. of pay for 40 hrs. of work), but one of the great advantages of residual income is that once the ball starts rolling, you continue making money from your initial efforts, while gaining time to devote to other things… such as spending more time with your family or perhaps generating more streams of residual income!

There are many different businesses models to choose from. The key is to learn how to make money off of other people's labor as well, rather than trying to do it all on your own. Likely it may not happen right off the bat but it will come with a little effort and dedication on your part. Note that leveraged income may or may not be residual income… when you combine them, that's even better.

Now is the time to think about how to apply this in your business. How could you make money off the work of others? As for me, I chose to promote a recession proof Savings and Earnings Program that offers the opportunity to save money on daily purchases such as gas and groceries and in turn offer the same benefits to others. When people join the program I start making residual income.

The sooner you answer these questions, the sooner you'll have financial and personal freedom.

Although taking care of your children is a job you gladly do for the joy of being with them, it doesn't exactly pay the bills. But in order to stay afloat these days, most households need both parents to have a job. For stay at home moms and dads, exchanging time with their children for time in a cubicle is an unappealing trade.

Luckily the technology available today is making it possible for parents to work from home. Computers, combined with the power of the internet, have opened up a slew of opportunities to be able to bring home the residual income bacon while taking care of young children. Whether you are looking for part time work or need to replace lost income.

Ultimately, the best job for stay at home moms or dads is the job they design for themselves by owning their own home based business. As a home based business owner, you get to be in charge of your time and your income. If done right, your initial investment of hard work could even lead to years of residual income. Meaning you'd be able to take a trip to the Bahamas and still get paid.

For stay at home moms and dads, I have done the research and found the perfect opportunity that lets you make money and save money while giving you that freedom you want to spend time with your family. All it takes is a click to get started on the road towards achieving your dreams and start enjoying the "residual income bacon" we'd all love to have.

Residual Income Opportunity

Angie Mitchell

My Blog

Email Autoresponders (Part Two | 12 Second Commute | Angie Mitchell Submitted by Angie Mitchell

If you are going to be successful with your online endeavours, it would be a very wise choice to have reliable, powerful and easy to use email autoresponders. 12 Second Commute will provide this tool and more complete with videos and conferences where you'll be shown exactly how to build a quality and responsive list using the only email autoresponders and online marketing tools you will ever need in an easy to use all inclusive system.

12 Second Commute is an online tool and opportunity center unlike anything else on the Internet. Regardless of the product or service you are selling, you must have tools to succeed. This service has everything necessary to succeed in one place so you are not wasting your time and money bouncing all over the Internet to run your business.

Email autoresponders Special Features:

The special feature section of your email autoresponder contains services that you won't use often, but they are extremely valuable assets to your online success.

Profile Variable Setup: This is a huge time saver as it allows you to setup custom variable codes that can be inserted into any message so instead of typing the same thing over and over again in your AR messages, you setup the custom variable section of the site to do this for you.

There are instructions that tell you exactly how to use this feature on the Profile Variable Setup page. There are also training videos on the same.

Import email autoresponder messages and manage autoresponder export passwords: If you have or when you get a downline in any program, product or service, the Import autoresponder messages and autoresponder export passwords sections are going to be one of your best friends because it allows you to setup messages, customize those email messages and then as you bring people into your program, product or service, you can give them your customized email messages and the system will automatically customize the message for the new person and place the messages into their own email autoresponders.

The beauty about this is that they won't have to write letters as they will be copying your success, doing exactly what you do and since it is working for you, it will work for them and poof--your business is off and growing.

But more importantly, it is these effective online marketing tools which give you the freedom that makes the whole online marketing experience so envious to those without. These tools will free you from hours or even days of tedious work and will do most of the work for you. Professional marketers know an investment in high quality effective marketing tools will pay dividends again and again... they also know it is the only way to proceed. PERIOD.

You can review the entire 12 Second Commute system absolutely FREE for a full 30 days. There is NO credit card required to get your account and if you decide that 12SC is not for you, you simply cancel your account within 30 days or do nothing and it will delete for you after the 30th day.

Currently being offered is an Elite account for only $19.90/month--the regular price is $39/month, but this is for a limited time and only available during your first 10 days of your 30 day trial.

12 Second Commute 30 Day Trial

Angie Mitchell

My Blog

Email Autoresponders (Part One) | 12 Second Commute | Angie Mitchell Submitted by Angie Mitchell

You simply must have email autoresponders if you are going to succeed online, but you also need a reliable, powerful and easy to use autoresponder and that is just what you will get with 12 Second Commute. Please note that you cannot import any leads into the autoresponder as that will only produce spam. However those who succeed online don't waste their money buying useless leads anyway and with our online videos and conferences we will show you exactly how to build a quality and responsive list using the only email autoresponders you will ever need.

12 Second Commute is an online tool and opportunity center unlike anything else on the Internet. Regardless of the product or service you are selling, you must have tools, training and resources to succeed. 12 Second Commute will provide those tool, training and resources in an easy to use all inclusive system.

12 Second Commute includes all the following tools and resources in one easy to use account. We give you the convenience of having everything necessary to succeed in one place so you are not wasting your precious time and money bouncing all over the Internet to run your business.

Email Autoresponders
Ad and Link Tracker
URL Rotator
Capture Page Creator
Contact Manager
Downline Builder
Training Center for Newbies
Conference Center
Smart Page, Translation Area, and More

Today I'm going to focus stricktly on the email autoresponders.

This is where you will create new messages and edit current messages for any of your autoresponder lists. You can also add letter templates and edit letter templates.

New Autoresponder Message: After you have setup your mailing list, one of the next steps is to create your actual email autoresponders. Remember that messages are list specific so if you have 10 different mailing lists, you can have 10 different autoresponder message series, although you can use the same messages in all your lists if you're promoting the same thing and you just want to test different advertising.

When you click on the new autoresponder message link, you will come to a page where you can fill in your messages, choose one of the ready made templates, setup your message delivery options, add attachments to your messages and basically get your messages ready to go make you money.

View/Edit Autoresponder: Once you have setup your email autoresponder messages, there might be times you want to edit and update those messages and the View/Edit feature allows you to easily accomplish this task. You can edit any part of your autoresponder from this one simple interface.

Add Letter Template: While you have access to dozens of fresh and professional letter templates in your autoresponder setup section, we also realize you might want to create your own and if you do, you click on the Add Letter Template link and use the editor to create your own professional looking templates.

View/Edit Letter Templates: Just as you can edit everything in all other parts of the email autoresponders, you also get this ability with your own templates that you have created. The View/Edit letter template is the place to go for this and all edits are done in real time so you never miss an opportunity.

You can review the entire 12 Second Commute system absolutely FREE for a full 30 days. There is NO credit card required to get your account and if you decide that 12SC is not for you, you simply cancel your account within 30 days or do nothing and it will delete for you after the 30th day.

There is no risk. If and when you're ready to upgrade, click on the Upgrade Options link next to the instructions link at the top of the page. Currently being offered is an Elite account for only $19.90/month--the regular price is $39/month, but this is for a limited time and only available during your first 10 days of your 30 day trial.

In my next article I will be sharing the email autoresponder special features.

12 Second Commute FREE Trial

Angie Mitchell

My Blog

Monday, December 14, 2009

Earn Residual Income | Savings Highway | Angie Mitchell Submitted by Angie Mitchell

A lot of people out there are looking to learn how to "cash in" when it comes to earning a residual income.

Network marketing has exploded and it is not surprising to me at all. This industry is great and more importantly the Internet is helping boost its popularity. There are no special skills that can't be learned as-you-go and if you've never done something like this before you will learn alot. It's a process and who knows, it may become your passion like it has for me, my only regret is that I never started sooner.

The downside is that a lot of people fail because when they don't make a large amount of money right away they quit, trust me, this will take time and effort on your part if your goal is to earn a residual income.

If someone told you "it's easy, you will be making $5,000 or $10,000 in no time, RUN!" Often times people who don't see immediate success blame the companies, their upline, the product or service when they should be blaming themselves.

I chose Savings Highway as my vehicle to earning a residual income because it's a stable company with integrity that offers real value and savings to real people just like me. Sure, it hasn't happened overnight but I feel pretty darn good about promoting a program that the "average Joe" can really sink their teeth into and that's important!

Look, there is no easy way to earn a residual income with any program that you decide to get involved with. Sure, after you begin to promote it and get the hang of it, make some sales it may seem easy. But it does take some work to get to this point.

Most people who find a way to earn a residual income from their home with the internet is that once you find one program and become successful with it, then and only then should they look to find another. Some are so desperate to make money they end up dropping alot of cash trying with different programs and they end up spreading themselves too thin. You are better off in getting the skills and training to learn how to earn an income such as this and FOCUS, FOCUS, FOCUS ON ONLY ONE!!!

You can eventually have multiple streams of residual income that allow you to put in some hard work at the beginning and see dividends in the form of passive income for months or even years to come. It's not being lazy, it's being SMART!

My Earning Residual Income Opportunity

Angie Mitchell
Skype: angiebt79828

Earn Residual Income | Financial Freedom | Angie Mitchell Submitted by Angie Mitchell

Do you feel that your future is destined to bill payments and maxing out credit cards? Are you living from pay check to pay check struggling to get ahead? There is another can have financial freedom and start earning residual income working from home.

Perhaps you've heard about what you can do to become financially free, but you don't know how to go about achieving it. I like to give you my opinion on the subject. Financial freedom is not only possible, but very achievable by average people just like you and I, even in this volatile economy. All you have to have is the desire to make your dreams a reality. Often times we can be just plain lazy and keep putting things off till tomorrow and the problem with that is tomorrow never comes.

First of all, have you ever considered a legitimate online home based business? If not, why? This is in some cases, a low cost entrepreneurial business opportunity for you, where you can earn a residual income for years to come and make financial freedom attainable.

There are so many advantages to working from home… freedom, choice, flexibility (especially with childcare), the opportunity to do something you've always wanted to do, to live a more balanced life and of course, earn a residual income.

Being able to take advantage of the tax breaks is a real plus, you can deduct a part of your home's operating and depreciation expenses as business expenses. This can be a percentage of your mortgage, property taxes, insurance, utilities, and/or the expenses of household maintenance. Are you starting to see the big picture? You could be SAVING thousands every year just for having a legitimate home based business.

Network marketing is an excellent business model to achieve financial freedom because you can create residual income. This just means you are going to get paid in the future for work you're doing right now and an online home based business is perfect for that.

Now that you're starting to really consider this option, what kind of business are you looking to promote? The latest and greatest miracle juice, the best ever live till you're a thousand health care products? (Trust me, I've done it and it's a hard sell, especially in today's economy!) For me it was like trying to sell a steak to a vegetarian. There was no income coming in, never mind residual income!

I'd suggest joining a Program/Company that's honest, cares about the "average Joe" and more importantly, one that going to offer others you'll be promoting to, some real value.

Think about this....What do most people want? People want to save money and people want to make money.

I'm very thankful for finding Savings Highway because it allows me to do just that. Save money, make money, offer others real value and make residual income on top of it. As I continue to build my organization, and promote my savings and earnings program, my residual income will keep growing becoming quite significant.

I can't quite believe it sometimes...but we are getting paid to save money and help others save money! Who woulda thunk it? There is no catch, you can build your business as quickly or slowly as you like and be on your way to financial freedom and earning a residual income.

It is my mission to educate people and bring savings, success and financial freedom everywhere!

Savings Highway Website

Please feel free to contact me,

Angie Mitchell
Skype: angiebt79828

Planning Early Retirement | How to Retire Early | Retirement Forum Submitted by Jim Roche NJ

Would you like to know how to retire early in today's uncertian economy? Are you going to retire early or at least an age when you can still enjoy retirement or are you just hoping your job will stay around until you can retire? Then do this NOW…TAKE ACTION!

Todays uncertian economy, the volatile stock market and falling home assessments are affecting just about everyone, but people who would like to retire early or are about to retire may be in the most precarious of positions of all and are asking themselves, how is it possible to retire early in today's economy? Are you looking for appropriate ways to respond? Then now is the time to start your early retirement planning so YOU are able to manage your personal finances and look forward to retirement years.

"Social Security replaces approximately 41% of the average earner's income at retirement and some forecasts predict a fall to 30.5%." * (Source: "Social Security, Medicare and Americans' Confidence in Their Retirement Future" Watson Wyatt Insider, September 2008.) I don't know how anyone can be prepared for what we've been experiencing recently with our economy. The current retirement income system of defined contribution plans in which employees bear all the risk is dissapearing for the the average worker.

Seeing your portfolio or your 401K lose value over a prolonged period is never easy, but it can cause tremendous stress if you're relying on your nest egg or will be relying on it shortly. If you're still working, will you have to postpone early retirement? If you're retired, will you have to reduce spending, cancel plans or look for a job? Most people haven't been very good at building balances in 401K plans or savings accounts; they're modest by any measure, most people are not experienced investors, (myself included) and their whole future well-being depends on the assets in these plans. When they're hit by these huge fluctuations in the market, it must really put a knot in their stomachs.

Fear and concern are normal. The news is all around us, and it's impossible to ignore. People entering into retirement are the ones who are most aware of their financial situation because all of a sudden it's staring them right in the face. If you haven't done a stellar job of early retirement planning, your options are fairly limited. You can work longer, live on less or work in retirement but you sure as heck don't have to!

Let me ask you this, have you ever considered an an online mlm business? If not, how come? There are so many benefits to having a online mlm business and this just might be the answer to the question: How is it possible to retire early in today's economy? Make financial freedom a possibility for you.

I started planning my early retirement this year when I joined The Savings Highway and began saving money on the necessities I was already purchasing (Gas and Groceries) thereby creating my own economy!

Successful People Are...Decisive Decision Makers!

Jim Roche of NJ has created The Early Retirement Planning Forum for you to visit join and post all of your early retirement planning tips as well as provide information and resources for those wanting to retire early, or just what is necessary for you to know how retiring early can become a reality.

For More Information Contact

Jim Roche NJ

Sunday, December 13, 2009

Planning Early Retirement | for Those Not Named Tiger Woods (Continued) Submitted by Jim Roche NJ

Five years out

Cut your risk. You'll still need to have your portfolio tilted toward stocks, but you may want to minimize your exposure. Now is also the time, if you haven't done so already, to lighten up on company stocks and stock options. Consult with a CPA or other tax pro before you sell so you understand the tax implications.

Find out what income you can expect. Retirement experts often refer to the "three-legged stool" of post-work income, which is typically made up of Social Security payments, pensions from employers and your own savings:

Review your annual Social Security benefit statement or contact Social Security at 800-772-1213 for an estimate of your anticipated monthly check.

Contact current and former employers to see if you have any pensions accrued and, if so, how much you can expect to receive.

Calculate your income from investments.

The latter can be a bit tricky. The longer your expected retirement, the lower your initial withdrawal rate should be. You might not be able to tap more than 3% to 4% of your investments in your first year without dramatically increasing the risk you'll run out of money. You can use T. Rowe Price's early retirement planning calculator to see what withdrawal rates are likely to be sustainable. Think about health-care and long-term care expenses. Medical costs are spiraling, and you may not have enough coverage:

Medicare, the government program that covers most health-care costs for seniors, doesn't kick in until age 65. (Even then, some significant expenses aren't covered, so you'll want to investigate private Medi-Gap polices; you'll find more information from AARP.)

The number of employers who extend health-care coverage to their retirees is rapidly diminishing, and many of those that do are increasing their former workers' premiums or co-pays. If your employer offers the coverage now, it may not in the future or it may cost more, so have a Plan B. (Fidelity estimates a couple who retires at age 65 with no employer-provided health insurance would need $175,000 to pay for their medical costs in retirement.)

Medicare doesn't cover most nursing-home expenses, which means you may want to consider buying long-term care insurance.

Create a tentative budget. Now that you have an idea of your expected lifestyle and income, you can start to put together a budget that reflects those elements. (You can use MSN Money's Early Retirement Planning Expense Calculator to get started.) You may well discover you'll need to work longer than you expected, or you could get some happy news and decide you want to accelerate your retirement plans. Before you do either, though:

Consider getting a second opinion. Should you apply for Social Security benefits early or opt for bigger payments later? Will you take a lump-sum pension or monthly checks? Will you need to tap your retirement funds when you quit work, and what's the best way to do so? You can, and should, educate yourself about these topics. (Books like Margaret Malaspina's "Cracking Your Retirement Nest Egg" can help). But planning for retirement is so complex, and the consequences of making a mistake so potentially severe, that it can be worth hiring an objective financial planner or tax pro to review your plan.

It is never to early to learn how to retire. Start today check with your employer to see if they offer any early retirement incentive programs. In the next installment I will cover retirement planning with 2 years to go before retirement.

Jim Roche of NJ has created The Early Retirement Planning Forum for you to visit join and post all of your early retirement planning tips as well as provide information and resources for those wanting to retire early, or just what is necessary for you to know how retiring early can become a reality For More Information Contact

Jim Roche NJ

Saturday, December 12, 2009

Planning Early Retirement | for Those Not Named Tiger Woods Submitted by Jim Roche NJ

"Flying by the Seat of Your Pants" might have worked just fine while you were employed, but ignorance or mistakes in early retirement planning can cost you dearly. Retiring early, choosing the wrong investments, withdrawing too much money or failing to plan for health-care costs can all turn your golden years to brass.

Although there is no guarentee you'll avoid unpleasant surprises if you plan -- but you can probably tip the odds in your favor. Here's a checklist to get you started. (As you get going, your Retirement Planning can help you make sure the numbers add up.)

10 years out
Think about where you'll live. Demographic surveys show most retirees "age in place," meaning they continue to live in the same house, or at least the same community, as when they retired. But downsizing or moving to a cheaper community can help your retirement assets last longer. Since where you live has a strong impact on your expenses, you'll want to consider your options carefully.

The Sabols, for example, had equity worth more than $225,000 in their New Jersey home. If they sell and move to the Florida condo they own, they could add that equity to the $350,000 already saved in their retirement nestegg. If they stay put for a few years, by contrast, the Sabols would have to keep paying their mortgage and other home expenses -- a difference of $2,000 or more in their monthly costs.

Imagine what you'll do. Some people don't think about how they'll spend their time in retirement until they wake up jobless. That's a bad idea psychologically as well as financially.

Retirees who fare best are generally the ones who have absorbing interests to pursue, said Ralph Warner, the recently retired author of "Get a Life: You Don't Need a Million to Retire Well" (Nolo Press). Those who wait until retirement often find themselves casting about for something to do, and may discover that the hobby or pastime they thought they would love isn't quite so engaging when they can indulge it full-time. As Warner says, "There's only so much golf you can play."

Speaking of golf, your activities in retirement also influence how much money you'll need. If you want to play the finest courses or travel the world, you'll need to save more than if you like to play canasta and visit relatives.

Boost your retirement contributions. If you're not already taking full advantage of your 401(k), IRA and other retirement options, now's the time to increase your contributions. Use MSN Money's Plan for your early retirement planning to see if you're on track, and try your calculations using different life expectancies. Your chances of making it to age 90 or beyond have never been better; many financial planners now use age 95 as their default life expectancy.

Consider paying down your mortgage. If you still have some cash left over after paying off your other debt and maximizing your retirement contributions, think about getting that mortgage retired before you do. Having the house paid off helps many retirees sleep better at night. Not having a mortgage also means you may have to draw less from your retirement accounts, allowing them to grow tax-deferred longer and reducing your overall tax bill.

It is never to early to learn how to retire. Start today check with your employer to see if they offer any early retirement incentive programs. In the next installment I will cover retirement planning with 5 years to go before retirement.

Jim Roche of NJ has created The Early Retirement Planning Forum for you to visit join and post all of your early retirement planning tips as well as provide information and resources for those wanting to retire early, or just what is necessary for you to know how retiring early can become a reality. .

For More Information Contact

Jim Roche NJ

Friday, December 11, 2009

How to Retire Early | Early Retirement Planning | Retiring Early Submitted by Jim Roche NJ

The answers to the following questions could take a while to formulate. But not taking the time to do so comes with dire consequences. Of course, much of what needs to be done in order to retire early requires saving more and making sure there's enough cash to last a lifetime. But a whole host of other factors must be considered. More than likely, it's a case of garbage-in, garbage out. If all you examine is whether you have enough money to retire early, you may get the wrong answer to the "Can I retire early question?"

What are your main goals and concerns relating to retirement?

Who, besides yourself, needs to be taken into account in your planning (a spouse or partner, a dependent child, a dependent parent, a grandchild who lives with you or needs your support, an ex-spouse, other adults living in your home)?

What is the age, sex, smoking status, overall health, citizenship, state of residence, and relationship to you, for each person?

What assets do you own (preferably with lots of details here), and what income do they generate?

What debts do you have? What job(s) do you have now, how long do you expect to have them, and what jobs do you anticipate having in the future?

What other sources of income do you have or anticipate: pensions, annuities, Social Security, alimony, royalties, etc., including future expectations (e.g., an inheritance, the pay-off of a family loan, etc.)? What expenses do you incur, or do you expect to incur, both as a family and as individuals?

What intentions and plans do you have for what happens when you die, or if you become incapacitated?

What kinds of life and health insurance do you have, including long-term care insurance?

This is just a small sample of questions that must be addressed before you decide to retire early.

Retiring early, whether you stay employed or not, however, requires a plan. Not a flip-of-the-coin, Heads; you retire early or Tails; you don't plan. Some 10,000 Americans will turn 60 every day over the next 20 years. Many will celebrate their next birthday asking whether they can walk away from their current job and retire early. For most Americans, the answer is no. Most Americans, according to a number of studies released recently, don't have enough money saved to enjoy the same standard of living in retirement as in their working years.

The odds are that many of these Americans who are contemplating early retirement never crunched the numbers to figure out whether it made sense or not. Many retired Americans seem to make do with what they have and are seemingly happy with what they have.

We as Americans tend to adapt to our current circumstances. Dont just settle or adapt in what is meant to be your Golden Years. Thrive and make those early retirement decisions pay off for you and become the most enjoyable ones of your life. For More Information About Early Retirement Planning

Jim Roche NJ

Thursday, December 10, 2009

Low Cost Splash Page Promotion Submitted by Jim Roche NJ

Is a brand new concept in Splash page promotion. By using this simple little script it will put YOU in control of the site promotion that your members do.

Have you had members promoting a splash page that is no longer valid?
Had members promoting special offer splash pages long after the promotion has ended?

Far worse is for you to have had a special offer splash page made and then most of your members have not even set it up?


Imagine Having a low cost splash page promotion tool that allows you to control which of your splash pages is being circulated by all your members and will automatically change it after a predetermined number of days of your choice.

Splash pages need to be changed at regular intervals to prevent people getting familiarity blindness. Familiarity blindness is when you have seen the same thing so many times that you don't notice it anymore, and this happens very rapidly on traffic exchanges.

So, what do you do with that splash page that is not getting click through's any longer? You cant dump it because that may cause dead links for your members that are trying to promote your site for you. But if you could take it out of circulation for a month or so then use it again, those click through's will return. The problem is, to get all your members to do it at the same time is nearly impossible.

That is until NOW.

The Low Cost Splash Page Promotion Tool will do it for you seamlessly.

It has been proven by testing over many months that after using a splash page continueously, the click through rate falls off dramatically. However By taking a Splash Page out of circulation for a while and then using it again the click rate goes back to an acceptable level. Thus giving it a new lease on life.

The Low Cost Splash Page Promotion Tool also allows you to set up Special Offer Splash Pages and Guarantee's that your members will get them shown for you.

All you need to do is set up your Special Splash Page and set a start date and an end date. The start and end dates can be anything from 1 day to months ahead of the day you set it up. The Splash Page Promotion Tool will then make sure that it starts showing on the start date and will stop showing on the end date totally automatically.

You give your members just one link to use for your splash page promotion, and the low cost splash page promotion tool does the rest. This solves the problem of members having to change all their links in the numerous Traffic Exchanges they belong to. It also ensures that Special Promotions are shown only for the period that you pre- set.

For more information Contact
Jim Roche NJ
skype id =jim.roche3

Tuesday, December 8, 2009

Become Wealthy | Retire Early | Savings Highway | Submitted by Angie Mitchell

Yes, it is absolutely possible to become wealthy even in today's economy and you can start right now with a Savings Highway Membership. I'd recommend joining at a Gold Level because it offers you the most Savings, Bonuses, and Commissions. As a Gold member, you can earn up to $40,000 a month plus bonuses, of course that totally depends on how motivated you are but Gold is for serious income earners. You may also choose from a Silver or Bronze Membership, however, Gold provides the most potential income for you and your family.

Before I get too carried away, I want to tell you that by joining Savings Highway you are not "selling" anything. This is a savings and earnings program, we do not try to sell people things they do not need or want. We offer people the opportunity to save money on the things the need or purchase anyway such as dining out, entertainment, shopping, dental, vision, roadside, legal, x-rays, prescription savings, groceries and so much more.

I invite you to check out my website for a list of services and benefits offered to you as a member and to those you will be helping to become wealthy as well. Who would have thought that we can all retire early and save money at the same time?

Since almost everyone wants to save money and make extra income, offering these savings is an easy thing to do especially with a program like Savings Highway. The faster you help people and the more people you introduce, the faster you can become wealthy and retire early.

Let me show you your money making potential as a Gold Member

1. FAST CASH--Each time you introduce a new Member, you will receive 50% Fast Cash Bonus! This is paid to you the following week! Each time you refer a new Member, you will receive $50 and a $25 visa gift card.

2. MONTHLY PERSONAL REFERRAL BONUS--You will receive a $10 a month Personal Referral Bonus, EVERY MONTH on each personally referred Member.

3. GOLD MATCHING BONUS--Receive a 10% Monthly Matching Bonus on all of your personally referred Members' checks.

For example, when you introduce just 6 Members, and they all follow the Retire Early Plan and earn $40,000 a month, your Monthly Matching Bonus would be $19,200 a month in Matching Bonuses! That's $3,200 X 6 = $19,200.

4. $300 MONTHLY CAR BONUS--Savings Highway will reward you for Going The Extra Mile. By Helping just 10 people to Save Money, you will receive a fantastic $300 a month Car Bonus and your Organization reaches 50 Members.

5. $750 MONTHLY LUXURY CAR BONUS--When you help just 25 people to Save Money and your Organization reaches 150 Members.

6. $2,000 MONTHLY LIFESTYLE BONUS--Receive a $2,000 Monthly Lifestyle Bonus when you introduce and maintain just 50 personally referred Members and your Organization reaches 300 Members.

7. You will also receive $14 a month for each of your personally referred Members starting in month and you will also receive $5 a month for all Members in your Organization from level 2 through 12 referral levels deep, no matter who introduces them, how sweet is that?

You have a simple system that can actually help you to become wealthy and retire early by saving money on things you have to buy anyway, doesn't it make perfect sense to join Savings Highway and let everyone know about it?

You have just one simple decision to make, you can either get started on the path to savings, abundance, wealth and success, or continue on the path you are on. If you want more, if you want things to change, then you must make a change. Savings Highway can help you to retire early. Join the thousands of others who have been fortunate enough to find Savings Highway and change their lives for the better.

Click Here to Retire Early

Angie Mitchell
Skype: angiebt79828

Sunday, December 6, 2009

My Online MLM Business | Veretekk | Jim Roche NJ Submitted by Jim Roche NJ

There are so many Online MLM Business companies out there these days but the number one question still remains, which one is the best? There is no right answer. First, you have to ask yourself, what are you looking to achieve? What are your goals? There's alot of things you should pour over when selecting which one is best for you. Here are three of the biggest:

1. Does the company have long term success. What's in it for you?

Does the company have a long term presence? You should look into one that has been around for at least 3 years. By joining an already established company or one that actually promises a real future, you will be more likely to have long term success. Don't join some fly by night organization. Do a Google search for Online MLM Business company and gather information, even call or email others already involved and ask questions.

2. What products or services will you be offering? What's in it for you?

It will be quite difficult to introduce new members into your Online MLM Business if there is no real tangible product or service being sold. If it's seen as a money making scheme it won't succeed and people won't buy into it. People need to be able to sink their teeth into something of value. They, like you will be asking "What's in it for me?" Keep in mind the economy, people can't afford high priced lotions, potions or pills right now. They are trying to save money not throw it away. Is there an autoship? Will your garage be stock pilled with product people can't afford to purchase? Let's hope not.

3. How will you get paid? What's in it for you?

You need to look at the compensation plan and make sure that you are comfortable with how company pays out their commissions. Some Online MLM Business companies pay weekly, some pay monthly. (I prefer weekly!) Make sure you are OK with how you are compensated and also that you are bringing in as much as possible in commissions. Even though the "worker bees" are doing the marketing and sales aspect of it, most MLM companies can't and won't pay out every penny to the "hive". (It's rare but just for the record, I have had 100% commissions month in my business opportunity.)

Now, even if all your ducks are in a row it still doesn't mean you are going to see success in your venture over night. There is no such thing as immediate success in this industry, you need to actually do the work and put in some real effort into building your organization. "Earn your stripes" as they say. Steer clear of anyone telling you that "it's easy", "make $15,000 in a week" It just won't happen, not right away. It's now up to you to do your homework, choose a company and build your network.

Last but not least, you are going to want to check into a fantastic marketing system. It's extremely important for whatever network marketing company you choose. This system will allow you attract new members that you can present your business to on a daily basis. If you need marketing tools I can recommend Veretekk Online Marketing System. Jim Roche NJ can help you with an established online Online MLM Business (one you can sink your teeth into) and the tools needed to help grow your business.

My Online MLM Business
Online Marketing Tools

Jim Roche NJ

Family Legal Club of America | Savings Highway | Submitted by Angie Mitchell

Savings Highway and the Legal Club of America have come together to offer Members a Family Legal Plan that covers your entire family as well as children under 25 and any dependents that may be living with you. With a membership you are able to use this service as often as you like, so when you or a family member have a legal concern, you can feel confident to pick up the phone, receive legal advice and not have to worry about the cost.

Members have access to over 20,000 Plan Attorneys that they can be called any time during normal business hours (8:30 AM to 7:30 PM EST) or visit a Plan Attorney to get unlimited legal advice about any new legal matter. The Plan Attorney will discuss legal questions with you or a member of your family and assist in reaching a solution to the issue. A Plan Attorney can review important legal documents, draft a simple will or write letters on the member's behalf, ALL AT NO CHARGE!

FREE Services Offered by Family Legal Club Of America:

1. Unlimited phone consultations for each new legal matter
2. Face to face consultations for each new legal matter
3. Review of important legal documents (6 page max.)
4. A free simple will with free annual update
5. Help representing you in small claims court
6. Write letters on the members behalf
7. Make phone calls on the members behalf

Savings Highway gives you the power you need to handle your legal matters with FREE CONSULTATIONS!
Plus, you'll enjoy a Capped Hourly Rate!

Family Legal Plan Attorneys contract to never charge more than $125.00 per hour for legal care that goes beyond the free and discounted services. No competitor in the nation can make this claim or match Savings Highway Family Legal Plan. This is where the real savings begin.

After the free letters, calls and consultations take place, members and their attorneys will have to decide what course of action to take next. In some cases, members may not have a choice and litigation may ensue. This is the point in time at which the attorneys begin to charge the $125.00 hourly rate for legal care.

You will receive a great Discount on Contingency Based Cases! Your Contingency fee will be a 10% reduction of the state maximum rate or the attorney's usual rate, whichever is lower.

If you do not have a will, you need one... especially if you have children. Now you can get your Free Simple Will done for FREE with your Membership! Save an immediate $200 with your Free Will today!

"Hi, I'm Walter Montford in Georgia. I used the Pre-Paid Legal Plan to Save over $30,000. Without the plan, I could not have afforded to keep up with the person I was in court with. Because of the plan, I was able to save Thousands and win the legal battle. I highly suggest you get a Savings Highway Membership, because you never know when you will need the help of a lawyer...and when you do, it could save you Thousands!" -Walter Montford, GA

As a member simply pick up the phone, speak to a customer service representative and then you'll be put in touch with a participating attorney in your area. It's that simple, it's FREE and easy to use. Now you don't have to be afraid to pick up the phone and get your legal questions answered, if you need to go to court, you'll have great legal counsel and potentially save hundreds or even thousands of dollars... with Savings Highway Family Legal Plan.

For more information and other savings offered by Savings Highway Click HERE Angie Mitchell
Skype: angiebt79828

Thursday, December 3, 2009

Want to Know How to Retire Early? Savings Highway Will Get You There Submitted by Angie Mitchell

Many experts estimate that a huge percentage of future retirees will have to cut their expenses drastically once they stop working if they want to make sure they don't go broke. The real answer to the question, "Can I retire early?" is: "Of course you can, but you may run out of money." It's completely possible to retire early without this happening!

How are you supposed to plan for early retirement when we are faced with a failing social security system, longer life spans, inflation and volatile markets? Well, to start with take a deep breath & relax, because no matter how daunting things may seem now, chances are you have more options than you think when it comes to how to retire early and when all is said and done, this is what we're here for... We are problem solvers.

Our mission is to preserve, protect and defend your financial security and enhance your retirement by providing superior financial solutions and savings.

What is the real issue standing between you and the early retirement you deserve?

You don't have to accept stock market risk in the hope of reaching your goals. We will show you how to have stock market like rates of return with absolutely no downside.

If you have large IRA, 401k & other qualified accounts you may be amazed to learn just how big your tax liability is in retirement. We can help minimize your tax liability but the choice is yours. When you work with us you never give up choice & control. Find out for yourself how much better off you can be and we'll show you how to retire early.

There are few opportunities that provide a full-time income potential while working on a part-time basis. Savings Highway is enabling thousands of people across the country to turn their dreams of retiring early into a reality because they are earning a living they never thought possible.

Compared with other investment opportunities, a home internet business is a flexible, stable business that allows you to earn an unlimited income enough for you to retire early. However, a home internet business takes a little time and effort on your part to learn and get comfortable with. It's wise to start early.

What I suggest you do is to find and join an established company like The Savings Highway Club which has at least been in operations for a minimum of 3 years. The longer the business is in operations the better chance as they are unlikely to scam you. Large company usually have an establish system in place, you don't have to worry that they will run away with your money. Give yourself one year of continuous effort to learn how to run your home internet business, start building your foundation and your retire early plans will no longer be a pipe dream.

Remember, there are no so called secrets to succeed on the internet. People you see that are successful started their home online business early. Start building a strong team, a network of positive like minded people who want to take control of their lives, bring together collectively empowered and inspired people to create massive freedom for themselves, embrace a new challenge and start to living deliberately! I'm telling you, it will become your passion!

Wishing you nothing but success in your early retirement!

It is my mission to educate people and bring savings and financial wealth everywhere.

Angie Mitchell

MISSION STATEMENT: Our mission is to assist 1 Million families in the USA to reach Financial Independence. By providing American families with a Membership they can use to save money including benefits like Family Dental, Vision and Health Savings, 24 Hour Roadside Assistance, Savings on Dining, Shopping, Office Supplies, Recreation, Travel, Taxes and more, and combining all of these great benefits with our 2 who refer 2 "Retire Early" system, we can reach our goal of assisting 1 Million Savings Highway Families to find Financial Independence, and have fun along the way!