Adalberto

Not all MLM companies are created equal. Some are more suited to online recruiting than others.

There are specific characteristics to look for when choosing an MLM company to promote online or when deciding to use the internet to generate leads for your existing MLM opportunity.

First and foremost is this: are your prospects able to enroll in your program without ever contacting you or anyone at your MLM company. This is the ideal situation because it is letting the internet do 100% of the work for you while you focus on your prospecting process.

The "Ideal Online MLM Company" will have the following in place:

* A powerful sales page with opt-in form so that when your prospects enter the site to explore the opportunity their names have been added to your prospect list for follow-up.

* A low cost short term trial offer so they can "test drive" the business before making a full commitment. This should be less than $5 and for a period of no more than 3 weeks. We want this to be very affordable and to give them sufficient time (but not too much) to evaluate the opportunity before making a decision.

*It is way better to have a small cost associated with the trial period because it is a filtering process. Prospects who are willing to enter their credit card information and pay a small fee have declared that their level of interest is quite high.

* Powerful audio, video and print presentations to help them assess whether your opportunity would be appropriate for them.

* A series of follow-up emails in place to keep the visitor interested.

* Notification to you immediately they enroll at your site and again when they enter into the trial period, so you can begin your own follow up by either email or phone or both if you so choose.

* A sign up fee of $50 or less which covers the first months maintenance fee and a maintenance fee of $50 or less per month.

A second series of emails for the trial period that in some way incorporates the fear of loss.

There is a company exposing me to this at the moment and although I don't like their program I must admit it has a very powerful psychological pull. I get a strong feeling of: "I don't want to miss out".

I know it will take more associates on your team to develop volume in a program with low monthly maintenance requirements like this, but it lends itself much better to online promotion.

As well as your MLM efforts you'll need a Funded Proposal. You'll want to be making some sideline money to fund your marketing.

Here are "3 Surefire Ways to make Money Online"

Download it FREE here:
http://homebasedbusinessontheweb.com/cap/

Jim Keayes is an expert Internet Marketer. He teaches people to be successful online.

Lets not beat around the bush, most affiliates make less than $100 a month from affiliate marketing, but there are the lucky few that make incredibleincomes from this online business.

What is the difference? It lies in the way these two groups understand affiliate marketing, either as a part time income or as a full business venture. Those who make money take the latter view and run a successful online business rather than a MLM scheme. The difference can be seen in their paycheck.

So, what are the four key things you need to make it in affiliate marketing?

Patience - Affiliate marketing is anything but a MLM scheme. It takes time to build up a customer base, get noticed in the market, and build up trust. You need to be able to dedicate yourself building your online business - just like if it was a new shop you were running in the high street.

Understanding - that you will make mistakes. It is natural to get things wrong - human nature if you like. The lucky thing about affiliate marketing is that you may not necessarily lose money over it, or perhaps less than any other business.

Cash - like any business, online marketing takes some money to set up: basic web hosting and domain name purchase, buying an auto responder and a product to sell just to name a few. Then there is advertising - getting your name or product recognized in the marketplace.

Time - Just like anything new, it is going to take a while for you to understand a new business model. It will take more time if you are creating a product to sell with your online business. You can cut corners in affiliate marketing by just concentrating on existing products and making a comission from your sales - the easiest way to get started.

You could be the one earning a good income from affiliate marketing too if you have the P.A.C.T. to start. When you are starting an online business you have a lot to learn, but as your knowledge increases, so can your ability to make money. It doesn't need a complex business plan or a university degree, but a straight forward understanding of an online business system. Once you have that, you can apply it again and again.

I wish you the best.

Phil Wilcock markets an affiliate training system that helps people new to Affiliate marketing get off the ground. You can download more free information at http://www.goaffiliatecashsecrets.com

Getting away from it all is the goal of any vacation, but there are definitely different levels of away that one can achieve. For those of us who truly like to become lost in a landscape and disappear into a calmer and gentler world, its best to consider a place like Nova Scotia. The seacoast of Canada has a certain matchless quality that conquers even the worst cases of fatigue and overstress, and after a bit of time here whats truly important seems to come into sharper focus.

The maritime history as well as the stunning scenery lay a strong foundation for the many towns and regions worth getting to know in Nova Scotia. Special events and various activities serve as the icing on the cake, making a visit here certain to be as full (or as delightfully laid-back) as you desire.

Mild summer weather is perfect for touring the historic sites of Nova Scotia, which include the Annapolis Royal Historic Gardens, Grand-Pre National Historic Site of Canada, Highland Village (the continents only living history museum for Gaelic culture and language) and Old Town Lunenburg, among many others. All are impressive in their dedication to preserving a unique and undeniably charming way of life that once reigned supreme, and the incorporation of the old days with modern ways is quite impressive.

As for the scenery, there are several places to hone in on in order to fully drink in the land and sea from every angle. The Bay of Fundy is the star around here, with its dramatically high tides, vibrant marine life and thrilling rafting and whale-watching opportunities. This geological wonder brings everything into perspective, reminding all onlookers that Mother Nature reigns supreme while welcoming us to enjoy the show. Taste the excellent seafood, do some hiking or rock-hounding, or just take a moment to look out across the vista from a high point - as long as you dont miss this special spot.

Head on down the road to Halifax, the capital of Nova Scotia. Its filled with buildings from yesterday and today, which creates an exciting tension and a one-of-a-kind allure. Sidewalk cafes, tree-lined paths, museums, boutiques and all types of nighttime entertainment all enhance the cosmopolitan-yet-unpretentious atmosphere. Halifax remains an important port city and should be given some time by anyone who hopes to truly understand the spirit of Nova Scotia.

All good vacations should contain some time on the beach, so squeeze in a day or two to go exploring, swimming, kayaking or whatever it is that floats your boat. Try Cabot Trail for some great views, Bras dOr Lakes Scenic Drive, the Lighthouse Route or Sunrise Trail. All are intoxicatingly beautiful and certainly different than the view youre used to seeing. Lawrencetown Beach is the spot for surfers, stop into a quaint fishing village for a change of pace, or scour a stretch of shore for the perfect souvenir from the sea.

Between dreaming about all the lakes, forests, cultural events and shopping and dining offerings, it might be easy to forget about lodgings. A good way to handle this detail in Nova Scotia is to rent a vacation home somewhere convenient to the top attractions on your lists. From Annapolis Valley to Liverpool, South Shore to Bridgewater, there are cottages, cabins and beach houses galore. Sink into a special place within this special place and youre guaranteed to have a most memorable vacation.

Nova Scotia Vacation Rentals are the way to go for folks who like to venture from the beaten path yet still want to be comfortable, happy and well taken care of. Check into one of these amenity-filled places that seem to epitomize all things relaxing and carefree as you start planning your visit to lovely Nova Scotia.

Visit www.HomeAway.com to become better acquainted with vacation rentals here and all over the world.

I have a lot of friends and family who are currently buying houses. Many of them have had a problem with timing. In other words, they buy a house and sign a contract that says that they have to pay the seller in 30 days. (Incidentally, it's never wise to go less than 45 days.) Now, it takes two to three weeks to sell their house, and they sign a 30-45 day contract, so they don't get their money in time to help finance the down payment for the house they are buying. The answer to this problem is simple. Get a bridge loan.

Now, in order to make this strategy work, you need a considerable amount of equity in your current home. Let's say, for example, you are selling a $200,000 home, and you owe $110,000. You have $90,000 in equity (200,000 value minus your debt of 110,000). A bridge loan uses the equity in your home to "bridge" the gap between the sale of your home and the purchase of your new home.

Here's how it works. A bank will loan you 80 percent of the value of your current home, or $160,000 in our example (200k times 80% is 160,000). $110,000 will go toward paying off your current lender, the one you owe $110,000. The remaining $50,000 is yours to use for down payment money on your new purchase and moving expenses, or for any reason you like. The beauty of these loans is that they are treated like home equity lines by the lender. In other words, you pay interest-only on the loan (probably 4-6 percent). So, if you had to pay 4 percent, interest-only on a $160,000 bridge loan, your payment would be $533.00 per month.

Wait one more minute, though. Another thing about bridge loans that makes them a truly marvelous tool is that your payments are deferred for up to 90 days. Imagine getting $160,000 from a lender to help you pay off a mortgage, put money down on a new house, and have left over expense money, and you don't make a single payment for three months. Wow, this is true power! So, in the long run, you may wind up never making a payment on your bridge loan. Outside of some small fees to get it, you are basically getting free money, because you will sell your house for $200,000 and pay off your bridge loan.

Meanwhile, you now have just your new first mortgage on your beautiful new home.

Check out powerful credit information now at Credit Champion and loan information at Direct Lending Solutions

When we first speak to a potential client, or concerned family member, we always ask:

• Is your loved receiving Medicare or Medicaid benefits?
• Is your health insurance provided by your employer?
• Were you injured on the job?

These may seem like strange and somewhat irrelevant questions but they are essential for determining whether to file a lawsuit.

Medicare
If you are sixty-five years old or older, then you are entitled to Medicare insurance coverage through the federal government. If so, and often without your knowledge or notice, Medicare will be billed for and pay for a portion of your medical care and treatment. Medicare may even pay for a portion of your nursing home stay. If so, any lawsuit you file where you seek repayment for medical care necessary as a result of anothers negligence, Medicare has a right to seek repayment for the services they paid for on your behalf.

For example Edna, age 65, falls on an open can of soup at her local grocery store. The store manager calls 911 when Edna is unable to walk and the ambulance arrives. The rescue squad takes Edna to Local Community Hospital where Edna is evaluated in the emergency room. She is admitted to the hospital when her doctors realize she has fractured her right hip and requires surgery. Edna has surgery and two days after surgery she is discharged to a nursing home for rehab after the hip surgery.

If Edna files a lawsuit against the grocery store for negligence and personal injury and recovers $25,000, Medicare will seek repayment of any monies paid on her behalf for injuries related to the fall. Under Federal law, Medicare does not have to provide Edna notice that they plan on seeking repayment. See 42 CFR 411.26.

But how much will Medicare seek in repayment? Sadly, we cannot answer that question for Edna or her family. Each lien is determined on a case by case basis but by law, Medicare should reduce their demand, taking into consideration there were costs with filing a lawsuit or seeking a settlement (including attorneys fees, experts fees, etc.). But what if the ambulance bill was $400; Emergency Room $2000; Surgery $8000; Four day hospital Stay $7000; and twenty days in the Nursing Home getting rehab, $4000. Medicare will have paid at least $21,400.00 for Ednas care, and effectively can take almost every penny of her $25,000 settlement after attorneys fees and costsso we warn clients, right away THERE IS A POTENTIAL LIEN ON YOUR RECOVERY AND WE WONT KNOW HOW LARGE OF A LIEN UNTIL THE END. Not only is this scary for many clients, it will often be enough of a deterrent the family will decide not to file suit.

And Medicare is not the only party who can claim a lien.

Medicaid
In Virginia, and most other states, programs exist to provide a level of healthcare for those who cannot afford it. There is no age limit to Medicaid, but rather an income cap. Like Medicare, Medicaid has a right to seek repayment for monies paid on behalf of a beneficiary. If you file a lawsuit against a nursing home, doctor, or even as a result of a car accident, if Medicaid paid for a portion of your care, they will seek repayment. And here is the real-kicker both Medicaid and Medicare can seek repayment on the same lawsuit. So if Edna in the above example was on disability or had an income qualifying her for Medicaid benefits, Medicare could seek a lien for the $21,400 it paid, and Medicaid could do the same if it paid any of her related bills.

Other possible liens
If you receive health insurance benefits through your employer as a result of a qualified ERISA plan, the plan will likely be entitled to reimbursement if you are successful in pursuing a claim against a negligent party. It is very important to discuss these issues with your attorney.

Conclusion
Our office staff spends weeks after a case has concluded, trying to work with Medicare and Medicaid on liens. Sometimes they are more than we anticipate and on good days, they are less. But the existence and amount of liens is always a factor in our discussions on whether to take a case, settle a case, etc. If you know the lien could be overwhelming, sometimes legal action is not the appropriate choice.

Lauren Ellerman is an attorney with Frith Law Firm in Roanoke, Virginia. She concentrates her practice on medical malpractice, nursing home abuse, nursing home neglect, lead paint poisoning, and business torts. You may view her complete profile at http://www.frithlawfirm.com/lauren.htm and the firms home page at http://www.frithlawfirm.com