Sample Content Preview They’re Aware of Their Surroundings Like paying attention to people, they need to be able to pay attention to their surroundings. That’s an important skill to have because that’s how you notice something burning, or a door that’s not locked, or other problems that may arise. They need to know when something is happening that requires a call to a neighbor, a parent, or the police when needed. If they’re oblivious to what’s going on around them, this could be dangerous for them. Behaves Responsibly Does your child behave in responsible ways? If they’re still bouncing off the walls and jumping around like a maniac, it could be very dangerous for them to stay home alone. Accidents happen very easily and tossing balls around the house, playing with candles (and fire), and just tumbling around can be very dangerous. If your child still does that when you’re around, they are going to do it when they’re alone. Shows Their Trustworthiness Does your child try to get away with things behind your back? If so, being alone may not be a good thing to do. But, if they’re good at being trustworthy and following the rules, it may work. For example, if your child goes with friends, do they ever come home because they thought their friends were misbehaving? That’s always a good sign that your child can make mature choices. In contrast, if you’re always catching them lying or hiding things, being alone may not be on the cards for them right now. Can Recite Their Home Address and Phone Number This is imperative because it will help them get help when they need it. Today, many parents and kids rely on their smartphones to be their memory. But, sometimes these devices do not work. They need to know phone numbers by heart that are important to remember, as well as their own address and possibly the address of someone who can help them if needed. Knows How to Get in Touch with You or Others to Help Your child should also know how to get in touch with you on any phone or device. It’s better if they don't just know how to use their own cell phone but also how to use other types of phones to get help when needed. It might seem easy to you, but children who were born with smartphones in their hands may not know how to use another type of device. Can Make Simple Snacks Alone Usually, after school, a child needs a snack. If they can prepare their own easy snacks such as microwave popped corn, or a sandwich, fruit and so forth, then that makes it easier for them to be home alone. As they get older, they may even be able to start dinner for the family in the evening, which can be an added benefit of teaching children how to care for themselves. Knows How and When to Dial 911 Another important skill is the ability to call emergency when needed, plus to differentiate when calling 911 is the right thing to do. Having the regular police number as well as the emergency number is a good idea. Having discussions about the difference between a life and death emergency and other types of important situations are very important for everyone. Not being able to fix your snack is not an emergency, for example. Will Follow Instructions and Rules If you give your child rules and instructions such as not having friends over, not answering the door, or talking to strangers, you know they’ll do what you say. When you leave them a note giving them directions to do something, you know they’ll do it. It’s imperative that your child follows rules given to them when they’re home alone. But remember, if they don’t follow them when you’re present, they won’t follow them when you’re not there. Knows Basic First Aid If your child skins their knee or stubs their toe or gets a splinter, can they deal with these minor issues themselves? If your child has big reactions to things like this, then you may think twice about leaving them alone. Start working with them to deal with these issues on their own so that they don’t feel the need to call you about every scrape. These skills are important for any child to know when staying home alone. If they fall short and you want them to stay home alone, you will need to train them until they have grasped each of these skills. It’s important to teach these skills to kids anyway, but if you are hoping to prepare your child to be a latchkey kid, these skills are more important than ever. 5. Explaining to Your Child What’s Happening Before you leave your child home alone, you will want to give them time to warm up to the idea, let go of their fears, and develop home alone skills. The best thing that you can do is to take your child’s age into consideration. The laws in your area are also important. Follow the law, and then work on preparing your child. While leaving your child home alone isn’t something you probably thought you’d consider, it happens to many. Other children do it safely every day and yours can too. You just need to go about it the right way so that they can be prepared. Explain What Will Happen First, consider your child’s age and talk to them about staying home alone, and why it’s necessary. It’s okay to explain that you must work during those hours but that childcare costs a lot of money, and that it would be better to spend that money on other things that you need. If the main reason is that there is no childcare with transportation to and from school, tell them that. Whatever the real reason is that you need to let your child stay home alone after school, explain it to them in words that they understand. Plan Ahead There are many scenarios to go over with your child before you leave them alone. By planning for any issue that may arise, you teach them to handle most issues that you didn’t even think about. But it takes planning and talking openly and in an age-appropriate way with your child. Plan the exact snacks your child will have when they’re home alone. Plan the activities your child can do when you’re not home. If you save some things for only when you’re not home, that is going to make them more excited to do it. Set the Rules The best thing to do is make very strict rules about what they can do. Be stricter than you normally are. For example, ask them not to answer the phone other than for your parents, grandparents, or other designated people. Examples of other rules could be: do not tell other people you are alone; do not cook on the stove top; do not climb on counters; do not chat on the internet, and so forth. Make your rules clear not only about what they’re not supposed to do but also about exactly what they should do while they’re home alone - such as chores, homework, game time, or TV time. Post the rules where your child can read them.

Table of Contents Self-improvement & Success – Hand in Hand 5 The Importance of Improving Yourself 7 Building Your Self-Esteem 8 Spiritual Growth: the Spiritual Challenge of Modern Times 10 Motivation: The Heart of Self-Improvement 13 Unlocking Your Self Improvement Power 15 Crash Course 7-Day Program to Self-Improvement 17 10 Inspirational Self-Improvement Quotes 19 Sample Content Preview We should always remember that there’s no such thing as ‘over night success’. Its always a wonderful feeling to hold on to the things that you already have now, realizing that those are just one of the things you once wished for. A very nice quote says that, “When the student is ready, the teacher will appear.” We are all here to learn our lessons. Our parents, school teachers, friends, colleagues, officemates, neighbors… they are our teachers. When we open our doors for self-improvement, we increase our chances to head to the road of success. The Importance of Improving Yourself Sometimes, when all our doubts, fears and insecurities wrap ourselves up, we always come up with the idea of “I wish I was somebody else.” More often than not, we think and believe that someone or rather, most people are better than us - when in reality, the fact is, most people are more scared than us. You spot a totally eye-catching girl sitting by herself at a party, casually sipping on a glass of Asti Spumanti. You think to yourself, “she looks so perfectly calm and confident.” But if you could read thru her transparent mind, you would see a bunch of clouds of thoughts and you might just be amazed that she’s thinking “are people talking about why I am seated here alone?... Why don’t guys find me attractive? …I don’t like my ankles, they look too skinny… I wish I was as intelligent as my best friend.” We look at a young business entrepreneur and say “Wooh… what else could he ask for?” He stares at himself at the mirror and murmur to himself, “I hate my big eyes… I wonder why my friends won’t talk to me… I hope mom and dad would still work things out.” Isn’t it funny? We look at other people, envy them for looking so outrageously perfect and wish we could trade places with them, while they look at us and thinks of the same thing. We are insecure of other people who themselves are insecure of us. We suffer from low self-esteem, lack of self-confidence and lose hope in self-improvement because we are enveloped in quiet desperation. Sometimes, you notice that you have an irritating habit like biting off your finger nails, having a foul mouth, and you – of all people, is the last to know. I have a friend who never gets tired of talking. And in most conversations, she is the only one who seems to be interested in the things she has to say. So all of our other friends tend to avoid the circles whenever she’s around, and she doesn’t notices how badly she became socially handicapped – gradually affecting the people in her environment. One key to self-improvement is to LISTEN and TALK to a trusted friend. Find someone who you find comfort in opening up with even the most gentle topics you want to discuss. Ask questions like “do you think I am ill-mannered?”, “Do I always sound so argumentative?”, “Do I talk too loud?”, “Does my breath smell?”, “Do I ever bore you when were together?”. In this way, the other person will obviously know that you are interested in the process of self-improvement. Lend her your ears for comments and criticisms and don’t give her answers like “Don’t exaggerate! That’s just the way I am!” Open up your mind and heart as well. And in return, you may want to help your friend with constructive criticism that will also help her improve her self. One of Whitney Houston’s songs says “Learning to love yourself is the greatest love of all.” True enough! In order to love others, you must love yourself too. Remember, you cannot give what you do not have. Before telling other people some ways on how to improve themselves, let them see that you yourself is a representation and a product of self-improvement. Self-improvement makes us better people, we then inspire other people, and then the rest of the world will follow. Stop thinking of yourselves as second-rate beings. Forget the repetitive thought of “If only I was richer… if only I was thinner” and so on. Accepting your true self is the first step to self-improvement. We need to stop comparing ourselves to others only to find out at the end that we’ve got 10 more reasons to envy them. We all have our insecurities. Nobody is perfect. We always wish we had better things, better features, better body parts, etc. But life need not to be perfect for people to be happy about themselves. Self-improvement and loving yourself is not a matter of shouting to the whole world that you are perfect and you are the best. It’s the virtue of acceptance and contentment. When we begin to improve ourselves, we then begin to feel contented and happy. Building Your Self-Esteem So how do you stay calm, composed and maintain self-esteem in a tough environment? Here are some tips you may to consider as a starter guide to self-improvement. Imagine yourself as a Dart Board. Everything and everyone else around you may become Dart Pins, at one point or another. These dart pins will destroy your self-esteem and pull you down in ways you won’t even remember. Don’t let them destroy you, or get the best of you. So which dart pins should you avoid? Dart Pin #1 : Negative Work Environment Beware of “dog eat dog” theory where everyone else is fighting just to get ahead. This is where non-appreciative people usually thrive. No one will appreciate your contributions even if you miss lunch and dinner, and stay up late. Most of the time you get to work too much without getting help from people concerned. Stay out of this, it will ruin your self-esteem. Competition is at stake anywhere. Be healthy enough to compete, but in a healthy competition that is. Dart Pin #2: Other People’s Behavior Bulldozers, brown nosers, gossipmongers, whiners, backstabbers, snipers, people walking wounded, controllers, naggers, complainers, exploders, patronizers, sluffers… all these kinds of people will pose bad vibes for your self-esteem, as well as to your self-improvement scheme. Dart Pin #3: Changing Environment You can’t be a green bug on a brown field. Changes challenge our paradigms. It tests our flexibility, adaptability and alters the way we think. Changes will make life difficult for awhile, it may cause stress but it will help us find ways to improve our selves. Change will be there forever, we must be susceptible to it.

Sample Content Preview Think mobile first, and build the site around that audience, then use the extra monitor space to add more content for non-mobile users. What does your website experience SOUNDlike? More people are searching the web with theirvoice. They are listeningto websites, rather than reading them. They are watching videos instead of reading. Catch this trend early, and own it, and you will be on your way to a successful 2017 and beyond. You’ll stay a step aheadof the search engines, and you will keep your spot at the top. You’ve evaluated your website. Now it’s time to put a plan in place to change it. Don’t pretend like this doesn’t apply to you. Unless you are already number one on every possible search string, your job isn’t over. You need to own your market. Start by figuring out what kind of keywords that your customers are using to stumble across your site. You will find this in your analytics, under common Google searchstrings, or something similar. It’s incredible important to knowthe keywords, and own the market. Keywords might be outdated, but they still play an important role in SEOand that shouldn’t really come as a surprise. Draw a picture of a new website, and how it should appear on a phone and a tablet. Start there.As I said earlier, comfortable site navigation is the key, so focus on that. The big win by drawing it first, instead of hacking into the code base, is that you can see a final product, and figure out how to make it a reality later on down the road. Yourmind will automatically concentrate on what the site should look like, and how it should be interacted with, instead of worrying about how to do it. This is a popular strategy, not just among marketers and web developers, but also among inventors of every stripe. The best product teams will ask for a picture of the final product, and they’ll figure out how to make it work. Put first things first. The most engaging content for a web browser should be right in the middle of the screen, just below your headline. On mobile, it should be right at thetop. Give them what they want. Your users are coming to you for a reason, so don’t waste two inches on a phone screen to bash them over the head with something they don’t care about. Take them straight to the good stuff. Engaging, interactive images that lead to articles will entice them toclick, instead of shuffling off to the next site on the Google search. Everything should be visible to the spiders. Even pictures of text should have tags so that spiders can read them too. Make it easy for the spiders in the same way that you would makeit easy for your customers. Add outbound links. You don’t have to redirect to a bunch of news articles. You don’t need to spam affiliate links everywhere. What you need are solid links to top-notch existing content. This not only saves you money trying to get the best content on your site, but it adds a ton of value to your customers. Look at an oilfield website (they spend millions on IT) and what do you seeright off the bat? Links to news articles about the latest things happening in their market sector, without a doubt. Go to the Starbucks homepage, and the first thing you will see is a huge picture of their latest and greatest drink offering. Get advice from the pros. Spend some time looking at the biggest companies, and what their websites look like, so you can skim off the millions of dollars they throw into research figuring out what customers want to see. You don’t have to spend the money, or even see the white papers, to use the research. Mimicry is a wonderful thing. Take all the good ideas and use them yourself. Optimize your content. Figure out which pages on your blog are working the best, and turn them into seriesof posts if necessary.

Table of Contents Introduction………………………………………………………………………pg 4 Chapter 1: Spyware Can Destroy……………………………………..….5 Chapter 2: How Does Spyware Spread? ……………………………10 Chapter 3: How To Remove Spyware………………………………..16 Chapter 4: Anti Spyware Programs…………………………………….20 Chapter 5: The Anti Anti-Spyware Programs……………………..35 Chapter 6: Research And Learn More…………………………………40 Chapter 7: Choosing The Best Anti Spyware Tool………………43 Chapter 8: Computer Security And Spyware……………………..51 Chapter 9: The Programs To Avoid…………………………………….54 Chapter 10: Is It Legal? ……………………………………………………..56 Chapter 11: Checklist Of Protection …………………………………..59 Conclusion…………………..……………………………………………………….60 Sample Content Preview You visit a website and find a piece of software that you would like to have. You download it. Little did you know that the software that you just downloaded had spyware piggybacked onto it and now you’ve got both the desirable software and the spyware lurking on your computer. You may not even know it’s there for months! Or, you may have the spyware trick you into downloading it. In this case, you may be asked to perform an operation that is “required” to complete the download. When you do, you are actually downloading the spyware or adware onto your computer. Some of the newest versions of this software are even more devastating because they promise to protect your computer. You may download a program and it offers security software with its download. You download it thinking it’s stopping spyware when in fact it is doing the opposite. It’s actually the spyware itself. In some cases, the spyware gets onto your computer by pretending to offer you a useful service or tool. For example, a common type of spyware “giveaway” is a web accelerator, promising to speed up your interactions online, making surfing the net faster. It’s not going to do this for you at all. Some of these types of programs have even been targeted at children. They may offer a “friend” that gets to monitor what your child does online, keeping them safe and giving them the ability to do things online without your watchful eye. The problem is he may also be a spyware tool that will target ads directly at your child during those sessions with him. Shareware Another way that spyware gets into the computer is through shareware. It often comes bundled with this type of product. One type of this program would be file trading utilities. When you purchase and install the program you want, you also download the spyware. Some companies that have the need and potential benefits from spyware and adware even have worked with the shareware providers in paying them to incorporate the spyware into the software that you are likely to download and use. More commonly, shareware gets the spyware bundled into it by the spyware companies. In these cases, the shareware providers don’t know that it is there. You’ve Changed Security Features Unfortunately, there are other ways that spyware and adware can get into your computer. For example, it may be in the form of altering your security features. It may even prompt you to do this without realizing what you are doing. Internet Explorer’s web browser offers built in notifications to the user of when something is trying to download onto your computer or, when something is making a change to your system. But, these can be manipulated with the simple click of a link on a website. Consider the annoying pop up ad. A pop up ad is one that literally pops up when you are using your computer. Usually they happen when you visit websites. In most cases, just by closing the ad, you are done. But, have you ever fallen for those ads that look very much like Windows security boxes? These can actually be triggers for spyware to be downloaded. They look an awful lot like a standard dialog box providing you with information. You click on them, they change your security features and within a few minutes, you’ve got spyware to deal with. That’s anything but something you want to have happen. One such dialog box offers to “optimize your internet access.” Even if you hit the “No” button, you’ve still clicked on the ad, which is enough to push it to download. Security holes in your system can be another way that spyware gets in. Here, they could be in your webs browser or the holes could be lurking in a program you are using. If you are browsing the web and happen to a location where spyware software like this is lurking, it can actually attack these holes in your system and force the computer to download the software. This is often called a drive by download. This can happen with both Internet Explorer and with Microsoft Java runtime where security risks lie. Those that have created this type of spyware software have an extensive knowledge of anti virus software and firewall software. Through A Virus? While spyware is much different than a virus, spyware can be the actual virus’s intention. For example, if a virus like this gets onto your computer it may install tons of spyware at one time to your computer. This was the case with one type of virus known as W32.spybot.worm. It used pornographic information to infect the user’s system and challenged all types of ads because of it.

Table of Contents Introduction 04 Chapter 1: 10 Key Reasons Most Marketers Fail on Instagram 07 Chapter 2: You Don't Have to Fail 17 Chapter 3: Instagram Success is All About Persona 27 Chapter 4: Find Your Competi tors on Instagram and Reverse Engineer Them 31 Chapter 5: Curate Top Notch Content and Mix in Your Reverse Engineered Content 37 Chapter 6: Adopt a Content First Sales Funnel 46 Chapter 7: Use Facebook's Ad Retargeting System to Pull Instagram Users Deeper Into Your Funnel 52 Chapter 8: Pay and Interact with Niche Specific Instagram Influencers 55 Chapte r 9: Continuously Optimize All Parts of Your Funnel 62 Chapter 10: Best Practices 69 Conclusion 72 Sample Content Preview What do you think happens? That's right, a whole lot of nothing. It doesn't really matter how engaging your content is. If you are not qualifying people or helping them overcome some serious structural questions regarding whatever it is you're trying to pro mote, you're probably not going to achieve much with the traffic. I'm not disputing the fact that people do pull a lot of traffic from Instagram. But anybody who has ever tried online marketing knows that just because you get traffic, it doesn't mean you g et conversions. Traffic, click - through, and conversions are totally different things. By promoting directly to your conversion page, which is your sales page or squeeze page, you may not have qualified the traffic well enough for you to convert those peopl e into paying customers. Your ROI tanks and you end up wasting a tremendous amount of time, effort and money on your Instagram campaign. Reason #3: Unreasonable suspicion of influencers Influence marketing is really big on Instagram. Basically, you find p eople who are already influential in your niche and you pay them to mention your product or give shout outs to your profile. Whatever method you use, you leverage their existing popularity and credibility with their community. The problem is, there are man y fake influencers out there. I am not going to deny this. Nobody can. There are lots of accounts on Instagram that are flat out fake. Not only are their accounts fake, but the "people" following them are fake too. It's all a software illusion. It is no su rprise that a lot of marketers have gotten burned by these influencers. Maybe they are charging $20 a shout out, or maybe they are charging $5 per product mention. But regardless of how cheap the influencer rates may be, it's wasted money because they don' t really have any influence. They just have high follower numbers. These followers are not real. Not surprisingly, a lot of people have been turned off by influencers. They don't even want to deal with influencers at all. This is a serious mistake. It's on e thing to be suspicious of fake influencers, it's another to completely close your mind to working out a mutually advantageous deal with real influencers. There is a difference. Believe it or not, reaching out and closing deals with the right influencers can mean the difference between your online store making tens of thousands of dollars a month or your company continuing to struggle. Reason #4: Choosing to be antisocial There's a reason why social media is called social media. It's supposed to allow peo ple to be social. It's supposed to enable outreach, engagement, sharing of ideas, and forming genuine communities regarding certain interests and topics. Unfortunately, a lot of marketers just create pages and blast out content. They don't care if people r eact to their materials. They don't care if people even see their materials. They're just going through the motions. Well, let me tell you, if that's how you run your Instagram campaign, you are being antisocial. You're not reaching out to influencers, nor are you engaging with the fans of your content. This leads to you failing to create a community around your content. Believe it or not, it is your community that will add dollars to your bank account. That's how it works. By choosing to be antisocial, you kill your online community before it even forms. Reason #5: Relying on substandard photos or videos This should be self - explanatory. Instagram is primarily a photo platform. Accordingly, accounts that feature the highest quality photos tend to get a lot more followers. Keep it at that level. Post only high quality photos. Post videos with high production quality. This way, you would stand out from your competitors. Reason #6: Build it and they will come content "strategy" Have you ever had an amazing ide a regarding a hot photo that people in your niche simply cannot refuse? Chances are, you’ve had such ideas. Well, what would happen if you spend your precious cash on such content ideas? Let me tell you, nine times out of ten, you probably will fall flat o n your face. You did not do any consumer intelligence. You did not do any research work ahead of time establishing that your audience would actually be interested in whatever content you are putting up. You can't just build this content and expect people t o show up and come out of the woodwork. It doesn't work that way. A lot of businesses fail because of this. Your content must be based on existing demand and existing interest, not based on what you think is hot. Reason #7: Failure to repost other's niche specific content Believe it or not, you can build a tremendous amount of credibility on social media by simply reposting somebody's tried and proven content. In other words, if somebody posted content that got a lot of likes, engagement, comments and what have you, you can repost that and recreate some of that engagement on your account. This is perfectly okay because you end up promoting that third party account. You create a win win situation. You build up your own credibility within your niche, and you drive attention to that brand. Everybody wins.

Table of Contents Recurring Income Explained 5 Network Marketing Reviewed 6 Choosing a Network Marketing Company 6 Network Marketer’s Survival Guide 12 Secrets of the “Heavy Hitters” 14 About Affiliate Marketing 20 In Closing 21 Resource Guide and Bonuses 22 Sample Content Preview There is the prevalent myth that the best time to join a company is at start-up—the so called ‘ground floor opportunity’—, but if the truth be told, the ground often caves in leaving many people very unhappy. This does not mean that you should wait for five years to see if a company would do well, because logically, this would mean that no Network Marketing company will ever get started. The point here is that you should assess your risk and know that the chance of losing your money is higher with a new company than with a company having a proven track record. You know the saying that the proof of the pudding is in the eating; just so the proof of the stability of a Network Marketing company is in the duration of survival. In fact, in over 60 years of Network Marketing history and after tens of thousands of Network Marketing start up companies, only around 42 companies have made it to their 5th birthday. Any business owner would admit that the first years are the toughest. This is the period when the company is just establishing a footing and income is most likely low. If the company does not have the proper financial backing it is not likely to survive these years. You would not want to join a company that is depending too much on the distributors for survival. A Network Marketing company takes time to build momentum by the very nature of the business - word of mouth advertising, people telling people. Before it reaches top momentum it must have the financial backing to survive the early hurdles. Customer support for the distributors is also a critical part of the company. If their distributors feel neglected then they will simply not stick around. Especially in today’s market where there are thousands of Network Marketing companies beckoning. The distributors are the consumers and salespeople, and to neglect them is to commit certain suicide. A sad reality of the Network Marketing industry is that there are many scam artists that come along just for the quick cash just before they close shop and disappear. This would require that you do your due diligence such as checking consumer alert websites as FTC.gov and WorldWideScam.com among others. These scam artists will normally emphasize the compensation plan over the actual product—if there really is a product—and apply high pressure sales tactics to persuade you to join the “ground-floor opportunity”. These criminals prey on human greed and have little sympathy for the naïve. 2. High quality (unique if possible), reasonably priced products or services that should be, ideally, consumable so users will have to buy over and over again. Traditionally, Network Marketing companies are able to produce higher quality products simply because they don’t have to pay outrageous prices for advertisement. Just think about the millions of dollar paid per year by companies such as Nike to sports stars for a 30 second commercial. This money, if Nike followed the Network Marketing model, could go into developing better quality products and paying their workers better salaries. Because a large part of a normal company’s budget goes towards advertising, Network Marketing companies will deliver a higher quality product, all things being equal, per dollar spent. Also remember that you want to be paid continually so you need a product or service that is consumable so the customer has to keep refilling his supply. Nutritional and telecommunication companies fit this requirement very well. Apart from being consumable, another important factor is how ‘needed’ this product or service is. The negative side of pushing nutritional products is that most people are only concerned about their health after it is already failing! (You’ll do well recruiting at the local hospital). If you are marketing a service such as web hosting, medical coverage or legal services you are more likely to have less attrition in your down line. If the company is selling a product that you can pick up at your local department store, then you’re not likely to do very well. A unique or proprietary product will do better since you’ll have less competition—you learn very early that there is no such thing as zero competition although some companies will want to make this claim. The “acid test” question to apply to the price of the product or service is, “Would I purchase at this price if there wasn’t a compensation plan attached to it?” If your answer is “No,” then you are looking at a potential pyramid scheme where a product is just attached to the compensation plan to make the opportunity appear legitimate. In these cases you will always find that the compensation plan becomes the selling point and the product or service rarely mentioned. Here is informational articles on the subject of recognizing and avoiding such schemes: https://search.usa.gov/search?utf8=%E2%9C%93&affiliate=ftc_prod&sort_by=&query=invest+network+marketing 3. A Compensation Plan that is fair to both fulltime and part-time distributors alike with leadership bonuses for those who build large and productive teams. We have already mentioned that a successful Network Marketing company will have a “distributor first” philosophy. In no other place should this be exhibited more than in the compensation plan. It takes only some simple arithmetic to see how many sales or distributors you need in your organization in order to be in profit. Most people don’t take the time to do the math and sometimes are “deceived” by the fancy potential income charts that are put out by the company. The point here is that you need to read between the lines and the fine print to be sure what you are paid for your effort. Most people will skim this section because it may read like a tax code and who likes to do their taxes? That’s why we hire accountants. Compensation plans fall into basically four types: (a) The Break Away Plan. This is the oldest and most traditional plan and allows distributors to build and be paid on an unlimited number of frontline associates. When the frontline associates reach a certain predetermined volume they can “break away” from their up line and form their own organization. In this break away plan the leaders are paid on all their frontline and also certain levels down in their break away groups. In this model if you don’t work you don’t eat. You have to recruit in order to be compensated.

Table of Contents What You Need to Know About Online Dating… First! 5 What Makes Online Dating So Different? 7 Step 1: Getting Started 13 Step 2: Making Yourself Look Like A Million Dollars 19 Step 3: Letting The Relationship Blossom 28 Step 4: Meeting Face To Face 32 Step 5: Once Bitten… 38 In Closing 39 Sample Content Preview Let’s accept the fact that dating couldn’t really get better. Online dating is THE real thing. Let’s compare it to the old system of evening balls or social gatherings. Imagine you are this big gathering where there are a lot of men and women looking out for suitable partners. Suppose you bump into one or two people with whom you seem to strike an immediate rapport. You are then able to take this person out onto a balcony with just the moon to keep an eye on you. You get to talk to this person for hours and hours; just talk and nothing else. You get to discuss likes and dislikes and finally when it is time to part you leave with a promise to meet on a following day at an equally enjoyable spot. These talks go on for days and weeks and finally you decide that this indeed is the THE person with whom you want to spend the rest of your life with. Then of course you start meeting in more open places, you hold hands and even kiss. You begin to go out for lunch and dinner and spend even more intimate time together. When the moment is right and your decision is made, it then becomes time for you to say, “I do.” Sigh! It sounds like a nice fairy tale, doesn’t it? Well it needn’t be. It could be your own love story because the concept of online dating is just what has been described above. If you click the right buttons everything could work out fine for you and we have evidence to prove it. Just take a look at the figures given below and you can behold for yourself what a universal phenomenon online dating has already become. As I mentioned earlier, one of the best things about online dating is that it affords a lot of privacy. You can chat for hours, video conference, or do whatever it is you care to do without arousing the interest of others or attracting the wrong kind of attention. All you need is a computer and Internet access everything becomes as discreet as can be. But along with that, may I add that we need a little bit of common sense as well or else we might find ourselves within the clutches of many lurid monsters lurking out there. Another good thing about online dating is that it saves a lot of money which otherwise you would have had to splurge each time you took someone out on a date. It is because of these reasons and many more personal reasons that thousands of people find online dating to be a great convenience. How To Get The Most Out Of Online Dating Many people who decide to give online dating a try often end up with their hair singed and fingers burnt. The reason we decided to put together such a manual is that online dating is not as simple as it looks. You need to know how to go about it in order to get the best out of it. Most people do not like to take chances and when it comes to finding a life partner people do not want to take chances at all. But you can relax for through this manual we will be dealing with all the do’s and the don’ts and so the whole process will be quite easy and enjoyable to you. This manual will provide you with step-by-step instructions on how to being online dating. We have no doubts about the decision-making abilities of our readers and so we do not propose to give a lot of advice on the issue. Our purpose is simply to provide a couple of guidelines which we hope our readers will find valuable as they proceed in the attempt to find the perfect partner. Step 1: Getting Started Only fools rush in where angels fear to tread. It is always best to approach unfamiliar territory with caution. You need to plan before you actually go out there and start dealing your cards. Be sure about yourself and be sure about what you want. Just because anyone and everyone can type out whatever they want in a chat room doesn’t mean that we have to do the same. The Internet has a wonderful quality of being accessible to every one. But this same quality attracts all kinds of people into it. But just because a lot of people who enter a chat room have only dirt on their minds, it doesn’t mean that everyone is like that. If you stick to the class that you have and maintain your poise, you can indeed get the right kind of response. There are a lot of nice people using the Internet, but it all depends on what you do. Do onto others what you want them to do to you is the golden rule that applies here. There are no rules for the game. All are players out there. But just because others are ruffians, it doesn’t mean that you have to be one too. Your approach is the only thing that can get you the kind of response that you want. I don’t think that it is very sensible to decide all of the sudden that you would like to use the Internet to get a date. By just entering a chat room and saying “I’m available” you are merely putting yourself up for sale, and will most likely not get the results you desire. One point that all of us have to understand is that in a chat room, all are equal. Do not go by the misconception that entering a chat room is like sauntering into a ball room dressed in your best. Then everyone turns to stare at you and the most eligible person (read that as the sexiest person of the opposite sex) catches your eye and makes his or her way towards you. That kind of thing happens only on James Bond movies and we all know that James Bond never goes in for a serious relationship. It’s all fun and games for him. Where Do You Start? The first tip we would like to give you is NOT to go straight away into a singles’ chat room and try to find somebody who would interest you. All of us know that most of such chat rooms are virtually flooded with people who have only one thing on their mind - sex. So, no matter what you ask for, it always ends up in that and the purpose is defeated. You will never get the kind of person who kind of matches your interests and tastes.

Table of Contents The Benefits of Leasing a Car 4 The Biggest Financial Mistakes People Make When Buying a Car 5 The Downside of Buying a Car 7 The Downside of Leasing a Car 8 Top 5 Mistakes to Avoid When Leasing a Car 10 Car Loan Comparison Tips 11 How to Decide Whether Leasing or Buying a Car is Best for You 13 Pros and Cons of Buying a New vs. a Used Car 14 Should you Buy Your Leased Car? 16 The Benefits of Buying a Car 17 Sample Content Preview The Biggest Financial Mistakes People Make When Buying a Car Buying a car is a big investment. But it's not only the price of the vehicle that needs to be considered. There are also interest rates and monthly payments, spread out over how long the loan is for to take into consideration. There are several pitfalls that are common to many car buyers. Be careful of these: • Loan length. Dealerships will give you a startlingly good monthly payment if you extend the loan to 60 or 70 months. This is a bad mistake. Why do they do it? Two reasons: they want to sell you the car. If you can see that the monthly financing is in your budget, you’ll be more likely to go for it. The other reason? They don’t want to sell you that car. They want to sell you a much more expen-sive car, one where monthly payments in a 70-month plan are affordable. Why not? As soon as a car is sold, it depreciates rapidly. A car is – finan-cially speaking, a bad investment. It is, in fact, a losing investment. The other side to a longer lease is more payments on interest. Eventually, you’ll end up paying twice the original value of the car and will never re-cover what you owe when you sell it. Solution? Don’t get a car you can’t pay off in three years. It might not be as slick as the nicer ones, but your finances will love you. • Leasing. Keep in mind that cars are financially a bad idea. They depreciate. Fast. On the other hand, if you pay off a car in three years and drive it for five after that, you can take that money you’ve been using for car payments and put to other use. At the end of three years on a lease, all you have is someone else’s car who wants it back. Now you have to start on a new lease. Why not? No one needs a new car every three years, and if you are run-ning a car so hard that you do, then the leasing company is going to fine you heavily for excess wear and tear. When you’re done, you’ll have no car, no trade-in and no way to get another car except through another lease. Solution? No one ever improved their credit by leasing. But a purchase with prompt payments will go a long way to revitalizing your credit and give you a credible option for other uses of your money. Don’t let these mistakes affect your happiness with purchasing your car. With a little proper care and research, you’ll be able to avoid them, and still, have good financial footing alongside a beautiful and dependable vehicle. The Downside of Buying a Car Owning a shiny new car is a dream most of us have had at one point. Chances are, our fantasies date back to our childhood when we saw that bright red sports car reflecting the sunlight as it flew by. From that moment, on we’ve all given a thought to owning a car. It’s been a part of the “American Dream” for genera-tions. But there are some problems with achieving that dream that needs to be consid-ered in the cold light of day. Here are a few things to think about when consider-ing whether to buy a car. • Price. When you purchase a car, you are buying that car from now until you sell it or haul it away. As opposed to leasing when you’re paying for a portion of the car’s life, purchasing takes the entire life of the car, meaning you’re pay-ing for the full sticker price. You’re paying more when buying because you’re getting more car. • Down Payment. As with any loan, you may need to provide a down payment. This requires having the money or trade in to qualify for the loan. • Payments. Paying a car loan will almost always be a higher monthly payment than leasing. Be very cautious of long-term loans, with higher interest. You may end up paying far more than the car is actually worth. • Depreciation. You’ve probably heard that a car depreciates significantly once it has been purchased. The question, however, is, how fast? Purchasing a car will lead to a variable depreciation rate, without warning. The only thing you can be sure of is that it will depreciate. It’s true that leased cars will depreciate at the same variable rate, but the depreciation on a leased car is someone else’s problem. • Major repairs. Purchasing a new car will provide you with a warranty. There are some things a warranty won’t cover or will only cover for a year or two. Ex-tended warranties will help fill in that gap, but in the end, the costs are your responsibility exclusively. Owning a car has its advantages, but there are also cons, just like with everything in life. These need to be researched and investigated before committing to a pay-ment that may last years. A car is a complex interaction of mechanical, electrical, and chemical systems and requires a great deal of responsibility and proper care. Owning a car drops all of that squarely on your shoulders, making this a decision that should not be made lightly. The Downside of Leasing a Car Buying a car isn’t the only way to get behind the driver’s seat. There are times when leasing a car might make more sense, economically. Especially when you’re keeping up with the latest tech. Leasing, however, does have its drawbacks. Remember, when you lease a car, you are paying for the privilege of using some-one else’s car. This means that the dealership you’re renting from is able to set certain rules about how that vehicle is going to be used. Always read the lease carefully. There might be: • Mileage Restrictions. The car you lease has a certain life cycle. It’s expected to last a certain number of years and a certain number of miles. You’re paying for a limited amount of both. Most leases will allow a certain number of miles per year, and to go over that will result in very high penalties and fines. • Excessive wear. It’s not only the number of miles driven, but it’s also how they’re driven. Taking a sedan fast over a rutted dirt road, for example, will wear out the shocks and struts and tires faster than driving paved roads through a city. Climbing mountains will add more wear faster as opposed to staying on flatland. Excessive wear shortens the lifespan of the car, and you will pay for the part you used, no matter how quickly. • How you use it. It might not be an issue, but most leases specifically forbid the use of their car for use in Lyft or Uber ventures. • Maintenance. Every car needs periodic maintenance. Whereas some might feel comfortable changing their own oil, many leases spell out that mainte-nance has to be done by approved technicians. If leasing from a dealership, they will often specify that work is done at a dealership. This is paid for from your pocket and is not part of the monthly lease payments.

Table of Contents Introduction ......... 5 Chapter 1 – Understanding Fatigue ....... 8 Two Types of Fatigue ..... 9 Weakness .......... 9 Sleepiness .........10 Causes of Fatigue .........10 Symptoms of Fatigue .....13 Chapter 2 – Change your Diet and Eating Habits .........15 Consume Food That Give You Energy ..15 Eat Foods that are Rich in Magnesium ..16 Eat Small Snacks Between Meals .........17 Drink Plenty of Water .....18 Include Soluble Fiber in Your Diet ..........18 Use Caffeine in Moderation .......18 Eat Foods that Detoxify Your Mind and Body .....19 Time Your Eating ...........19 Eat a Satisfying Breakfast and a Lighter Lunch and Dinner ........20 Chapter 3 – Change Your Lifestyle........21 Get Enough Exercise .....22 Get Enough Rest and Sleep ......25 Get Rid of Vices and Bad Habits 27 Engage in a Relaxing Hobby .....28 Practice Meditation ........28 Listen to Relaxing Music 30 Chapter 4 – Organize Your Life .31 Create Lists .......31 Create Schedules and Deadlines ...........32 Avoid Procrastinating .....33 Prioritize 33 De-Clutter Your Workspace .......34 De-Clutter Your Home ...35 Learn to Delegate ..........36 Learn the Power of ‘No’ .36 Chapter 5 – Avoid Stress ...........38 Don’t be Too Hard on Yourself...39 Get Rid of the Notion of Perfectionism ...39 Don’t Take Yourself Too Seriously .........39 Talk to Someone ...........40 Be Clear About Your Goals ........40 Stop Trying to Control Everything ..........41 Take Deep Breaths ........41 Forgive Yourself 42 Forgive Others ...42 Create Healthy Personal Boundaries .....43 Conclusion .........44 Sample Content Preview Learn to Delegate Another great way to stop yourself from becoming fatigued is to delegate tasks. Understanding that you don't have to do everything yourself can be extremely beneficial in reducing exhaustion and enhancing your energy. You can delegate tasks both at work and in your personal life. I f you are a manager of a supervisor, learn how to delegate tasks to your employees appropriately. When you are at home, enlist the help of your kids and other household members to complete chores. It is vital that you make sure that you also take care of your responsibilities and not depend on others to do everything for you. Learn the Power of ‘No’ To prevent fatigue, you need to learn what your limitations are both physically and mentally. It is important that you learn how to say ‘no' if you don't think that you can take on any more tasks or responsibilities. You don't have to work overtime whenever your boss asks you to, and you don't have to participate in every social engagement that comes up. You need to learn how to pay attention to your body and learn how to decline invitations and requests politely. Chapter 5 – Avoid Stress If you want to avoid fatigue, then you need to learn about the different stress management techniques that can help you manage your emotions. When stress is left unmanaged, it can quickly drain you of all your energy. Extreme levels of stress can be hazardous if you don't take the time to deal with the issue immediately. It can affect your cognitive function and energy levels, as well as changing the overall quality of your life. It is imperative if you want to eliminate fatigue and enhance your energy to learn how to minimize stress in your life. Don’t be Too Hard on Yourself Most of the stress that we experience in our lives is self-induced. If you want to combat stress and eliminate fatigue from your life, then you have to avoid being too hard on yourself. Avoid burning the candle at both ends. Take the time to relax and recharge yourself and avoid working too hard and pushing yourself to the point of extreme exhaustion. Get Rid of the Notion of Perfectionism Many people continuously aim for perfectionism. The problem with this is that you are continually setting yourself up to fail by setting unrealistic standards for yourself. One of the most powerful ways you can deal with stress and anxiety in your life is to drop the notion of perfectionism. However, you always want to remember to try your hardest and do the best you can each time you focus on a task. The important part is recognizing that your best is good enough. Don’t Take Yourself Too Seriously This life is complicated enough as it is, don't add to your stress by taking life and yourself too seriously. If you aim to live a happy and stress-free life, you have to develop a great sense of humor. It is vital that you learn to laugh at yourself. There is always something funny in every situation that you find yourself in, even the most difficult circumstances. Finding the humor in life will help you feel better and will instantly increase your energy. Talk to Someone Enlist the help of a professional. Talking to someone about your life, both the good and bad aspects of it, can help you manage your stress and increase the amount of energy you have every day. Speaking with a professional can help you realize that you aren't alone in your fears and problems. Talking to someone that you trust can be incredibly therapeutic and help you learn how to manage your stress better. Be Clear About Your Goals To avoid spreading yourself too thin and avoid excess stress, it is essential that you are clear about what you want to achieve. Start setting clear goals in every area of your life, including personal development, career, finances, health, and relationships. Knowing exactly what you need to do to achieve your goals will keep you from becoming overly stressed and exhausted. Stop Trying to Control Everything There are going to be things that come up in your life that you can’t control. If you want to live a happy, stress-free, and high energy life, then you need to focus your energy on those things in your life that you can control and learn to let go of the things that you can’t control. Take Deep Breaths When you are feeling stressed or overly fatigued, taking a few slow, deep breaths will help you to relax. Take a moment to breathe in as far as you can, and exhale as much as you can. Do this 3-5 times, slowly, and you will feel the effects on your stress levels and fatigue immediately. Aside from managing your stress, you need to learn how to control your emotions if you want to eliminate fatigue and enhance your energy. Negative emotions, like anger, jealousy, resentment, and guilt will drain your energy and increase your levels of anxiety, fatigue, and result in depression. Negative emotions can expend all your energy, and it can suck out all the positivity in your life. Learning how to control your emotions will reduce your fatigue and increase your energy. Forgive Yourself If you always feel guilty about things that you've done in the past, you will only increase your levels of exhaustion and stress. You have to learn to forgive yourself for your past mistakes and misgivings if you want to live a life free of stress and fatigue. When you learn to forgive yourself, you will see an immediate increase in your vitality and energy, as well as improved health. Forgive Others One of the quickest ways to drain your energy and create anxiety in your life is to hold onto grudges. For you to increase your energy and vitality, you have to learn to forgive those who have hurt you in the past. Forgiving them doesn't mean that you are condoning their actions and it doesn't mean that you have to welcome them back into your life. Forgiveness simply means that you are ready to let go of the past hurt and that you are prepared to live the life that you deserve. Create Healthy Personal Boundaries You may feel like you want to please everyone around you. However, trying to please everyone, all the time can become incredibly frustrating and lead to increased levels of stress and fatigue. If you want to improve your emotions and increase your energy, you need to create healthy personal boundaries.

Table of Contents Introduction ..4 Defining Angel Investors ......7 How Long Before My Investment Pays Off? ........8 Plan Your Exit Beforehand .8 Smart First Step – Join an Angel Group ....9 You Borrow Knowledge ...10 You Get Instant Access to Better Deals, and More of Them as Well .....11 You Enjoy Better Returns 11 Your Investing Knowledge Grows .12 You Have Fun and Socialize .......12 How (and Why) to Become Accredited .....13 How to Find Companies Who Need Money .15 What to Reasonably Expect in Return ......16 The 10% Rule You Should Use with Any Investment 18 The 12 Company Rule Successful Angels Live By ...20 Develop a Personal Investing Guide 22 Top 10 Tips on Angel Investing ......25 Conclusion ..27 Sample Content Preview They freely lend their expertise and knowledge to the company they are backing, and this works well for both parties. One reason angel investors prefer this type of relationship is because they get more control over their investment rather than purchasing stock. In return for their investment, they receive a percentage of the company, and the contract usually includes partial access to the company and its key team members, and sometimes even a seat on the board of directors. If you have some investment capital set aside and want a chance at outperforming the stock market, while also possibly achieving a 5X or 10X or 20X return on your investment, you may be considering becoming an angel to some company that will certainly think of you in angelic terms when you give them the capital they need. If so, this guide contains everything you need to know. First, we will define what exactly is meant by the term angel investor. There are similarities to equity crowdfunding and venture capital, and significant differences as well. You will discover the reasons for joining an angel investment group, and why it is absolutely essential to plan your exit before you sign on the dotted line. You will find out where you should go to find companies who need your money, and what you should reasonably expect in return. It is reasonable to hope for a profitable investment, and there are non-monetary expectations which should be met as well. Additionally, we will introduce you to the 10% rule and 12 company tip successful angels use to minimize risk while still exposing them to potentially huge returns. Let's get started by taking a closer look at what the term angel investor means, so you can decide whether or not you want to journey down this investment path. Defining Angel Investors The American Angel is the name of a report conducted on angels and the companies they invest in. The report shows that angels in the United States invest approximately $25 billion in 71,000 startups each year. The average angel will invest between $10,000 and $50,000, and 62% are between 51 and 70 years of age. It seems that female angels are 10 times more concerned about the gender of the company founder than male angels, and twice as likely to consider the social impact of the company they are choosing to invest in. Angels are more likely to write larger checks, take the role as the lead investor, and even accept a position in management or on a board of directors if they have entrepreneurial experience similar to the company's industry or market. That puts a face on angel investors. Now let's pin down a definition. “An angel investor is an individual that invests assets or money into a small business during startup or at an early stage in that company's development. In exchange, the investor receives a percentage of ownership in the company.” This is similar to venture capital funding but very different for a couple of reasons. First off, as mentioned earlier, venture capital companies don't like to get involved unless a company is in need of at least $1 million, and usually several million dollars. Secondly, VC investments are exclusively made in established companies. Also, VC capital is often not granted unless a seat on the company's board of directors is provided. VC funding rests at the top of the financial scale for equity fund investments. At the lower end are family members and friends. Generally speaking, friends and family will not usually have the type of money needed by most small businesses to launch or to expand. Since VC companies don't want to get supply the $10,000 to $50,000 typical of an angel investment, this is the sweet spot for angels. How Long Before My Investment Pays Off? The average angel investment returns little to no money. For those investments which fail to return cash flow, an exit is sometimes never realized. You back a company and the company either goes under completely or stays in business while you never realize a return on your investment. In situations where an exit is achieved, research reveals the average angel investment lasts from 3 to 5 years. Wise investors like to see their money appreciate, but they are also smart about when to exit an investment so that they can realize a profit that is not just on paper. This means when they see their hard-earned money make them more money, they understand that can change. They either sell their position in the company to other investors or to the company itself. Many angels have 3 to 5-year windows where they are comfortable with tying up money in an investment. After that time, they are willing to get out of an unfavorable position or cash in for a profitable return. In other words, much of the reason for the 3 to 5-year lifespan of the typical angel investment is because the investor had planned to get out of the position in that timeframe. This is known as planning your exit. Plan Your Exit Beforehand They say that you make money on a home when it is purchased, not when you sell it. If you do your research and know the market, you can identify a good bargain on a home that is almost guaranteed to return a profit when you sell it years later. While there are no guarantees when you invest your money, it is wise to plan your exit before you provide the capital a company needs. In investing circles, an exit strategy is simply a plan to get out of a specific investment. This happens before you invest your money, not after you are already involved. Ideally, your exit strategy will accompany a profitable return. However, you should also have an exit strategy planned if your investment disappears entirely, or delivers just a small return. Incidentally, you can't plan for the company you are backing to be bought out by another firm. However, this is usually the most ideal situation for an angel. Additionally, you can hope that the company eventually issues an IPO (initial public offering) of their stock. This almost always delivers a significant return to an angel. Any time you invest your money, you should have some timeframe in mind for realization of a return, or for getting out of a bad investment. This means doing lots of market research and talking very closely with the founder and management team of a company. You can use the accumulated knowledge to not only decide whether the investment looks favorable or not, but also to set a timeline for your exit. Doing everything you possibly can to create a favorable exit may be affected by whether you decide to invest money on your own, or with a group. Smart First Step – Join an Angel Group There are more angel investment groups in the United States now than ever before. That is a sign of the times. Seemingly everyone knows somebody who is starting a company or thinking about starting a company. Additionally, the small business landscape in the United States and elsewhere is booming. This means there are more businesses that have been around for a few months or a year that need funding to grow and expand. This preponderance of companies that need small but substantial amounts of capital is one of the reasons why angel investment groups have become so numerous in recent years. Another reason has to do with the age of the typical angel. Baby boomers in America are now retiring, or have been retired for some time. The US is experiencing "the graying of America." There are more seniors than ever before in the United States. These people have money to invest, but not all of them have money to burn. They are looking for guidance. They appreciate the stock market is a safe place to invest money over time. However, they would like to try for a more substantial return. They don't mind risking a few thousand dollars of expendable capital if the possible reward could be substantial. These people turn to the internet for guidance, and angel investment groups are there with the answers. For a lot of reasons, it makes sense for those people new to angel investing to join a group of experienced angels before they whip out their wallets and start investing. Marianne Hudson is a seasoned investor and a regular contributor to Forbes magazine. In a recent article she wrote for Forbes, she mentioned that she recommends every angel wannabe to join a local angel group as a necessary first step in the education process. Here are a few of the reasons why.