If you’ve been thinking of saving for that special something, now is a good time to open an account as despite base rate falls, interest rates for some types of deposit accounts are still extremely attractive. But, before you begin on the route to regular saving there are a few things you can do to make sure that you get the most out of your new financial resolution.
First, there is little point saving money if you owe money on credit cards or loans. The interest rates you will be paying for your credit card and loan balances will be much higher than the rate of interest you can get for a regular saving account. Pay them off before starting to save.
The only exception to that rule is if you have any borrowing based on a 0% interest or reduced rate deal. In that case save as much as you can in an interest-bearing account, but make sure to withdraw the entire amount, if necessary, to pay off your credit card or loan balances before their promotional rate expires. That way you will accumulate more interest than you are paying, allowing you to pay off more of your debt balances when they all due. Additionally, you will also get into the habit of saving regularly, so once you have cleared your debt saving becomes even easier.
Making sure you are realistic about the amount you can save is critical. You should avoid cutting out treats altogether and definitely not proceed into a new realm of austerity in an attempt to maximise your savings. Your lifestyle should not be adversely affected to the extent that there is no room for fun and enjoyment; do cut out non-essential luxuries but do not retreat from your social life.
It is also important to consider how quickly you will need access to your savings. Work out whether you need to have instant access to your money or whether you can plan to give a comfortable period of notice, say anywhere between one and three months. Instant access accounts normally pay a less favourable interest rate, whereas a high interest savings account does what it says on the tin, paying out more interest but usually in exchange for limited access. The longer you can leave your cash untouched in the account the more you will earn. Savings accounts online usually carry higher interest rates, so do your research and check rates before opening an account.
Do set up automatic transfers from your current account directly into your savings accounts. This is best done immediately after payday, along with your direct debits and bill payments rather than waiting until the end of the month when you might be tempted to dip into your current account. If the money is already gone you can’t touch it!
Overall, stay focused and ensure that you keep to your savings plan by setting yourself regular goals that will keep you motivated. Before you know it you will have a tidy little sum set aside in a savings account that can be used for a special purchase or simply to provide for a rainy day ahead.
Saturday, June 7, 2008
make money through affiliate program
Certain affiliate programs have a very high profit potential. Others have about a snowball's chance in... well, don't have much chance of making an income at all.
So how do you choose? It depends upon the content of your site. It doesn't work to promote dog medicine to people if your site is about trips to Jamaica. While you might be able to relate the two, your site visitor probably will not relate their trip to Jamaica with getting cheap medicine for their dog. And when it comes to affiliate marketing, it's not about you. It's about your visitor. Affiliate income is about you, but you only earn the income by doing the marketing.
There are affiliate programs on just about anything, but only some programs are highly profitable. If you are working with a very profitable affiliate program, then you can actually build your entire site around the affiliate program itself.
So, which affiliate programs make the most money?
If you have a high traffic site (100,000 visitors per month), then you can make money with any affiliate program as long as it is related to the content of your site. However if you have a low traffic site, you need to be more selective to make money. Look for the following characteristics of a good affiliate program:
1. Lifetime commissions. Certain affiliate programs give you commissions on every product that is sold to the customer, forever. A great example of this is SpeedyPin. One of the designers of this site earns residual commissions from people purchasing calling cards, and these people signed up months ago through SpeedyPin.
2. Affiliate programs that have high profit for each sale will help you grow more quickly. However, simple logic will tell you that $2 is better than $0. It's better to make a profit of $30 per sale than $2 per sale, but if you stick and stay, you can get your pay. What this means is that patience and persistence are huge when it comes to affiliate marketing.
3. The product needs to be of great quality - something that you can actually vouch for. Why sell something that is poor in quality?
4. Information products can be the best type of affiliate products because they do have high profits. Many people will give you 50% commissions or more for selling their information product. Why? It costs virtually nothing to reproduce an information product. Stamping a CD costs 25 cents, or emailng the information costs less. If it's a good product, it can be resold for $9.95 (or more), and because the product designer doesn't have to market it, they will pay generously for your efforts.
To get a real idea of what are the best affiliate programs, you need to have a look at what affiliates are earning. Find out more information about what top affiliates are earning.
You can also have a look at the affiliate networks which put together a whole lot of affiliates with merchants.
The main affiliate networks are listed many places throughout the internet, and on affiliateadvice's affiliate program directories page. Check these directories out for a high quality selection of products in a wide variety of areas.
If you REALLY want to know what the highest commission products are, here are a few examples. But please remember that these areas are highly competitive, and it is hard to get search engine traffic for them
Information products - online newsletters and ebooks.
Credit Cards.
Online Gambling, sportsbooks etc.
Mortgages/loan companies
Software products
Web Hosting (very competitive area)
Office Supplies (such as inkjet cartridges)
This is not a definitive list. There are plenty of other products as well. These, however, are all very high profit areas.
So how do you choose? It depends upon the content of your site. It doesn't work to promote dog medicine to people if your site is about trips to Jamaica. While you might be able to relate the two, your site visitor probably will not relate their trip to Jamaica with getting cheap medicine for their dog. And when it comes to affiliate marketing, it's not about you. It's about your visitor. Affiliate income is about you, but you only earn the income by doing the marketing.
There are affiliate programs on just about anything, but only some programs are highly profitable. If you are working with a very profitable affiliate program, then you can actually build your entire site around the affiliate program itself.
So, which affiliate programs make the most money?
If you have a high traffic site (100,000 visitors per month), then you can make money with any affiliate program as long as it is related to the content of your site. However if you have a low traffic site, you need to be more selective to make money. Look for the following characteristics of a good affiliate program:
1. Lifetime commissions. Certain affiliate programs give you commissions on every product that is sold to the customer, forever. A great example of this is SpeedyPin. One of the designers of this site earns residual commissions from people purchasing calling cards, and these people signed up months ago through SpeedyPin.
2. Affiliate programs that have high profit for each sale will help you grow more quickly. However, simple logic will tell you that $2 is better than $0. It's better to make a profit of $30 per sale than $2 per sale, but if you stick and stay, you can get your pay. What this means is that patience and persistence are huge when it comes to affiliate marketing.
3. The product needs to be of great quality - something that you can actually vouch for. Why sell something that is poor in quality?
4. Information products can be the best type of affiliate products because they do have high profits. Many people will give you 50% commissions or more for selling their information product. Why? It costs virtually nothing to reproduce an information product. Stamping a CD costs 25 cents, or emailng the information costs less. If it's a good product, it can be resold for $9.95 (or more), and because the product designer doesn't have to market it, they will pay generously for your efforts.
To get a real idea of what are the best affiliate programs, you need to have a look at what affiliates are earning. Find out more information about what top affiliates are earning.
You can also have a look at the affiliate networks which put together a whole lot of affiliates with merchants.
The main affiliate networks are listed many places throughout the internet, and on affiliateadvice's affiliate program directories page. Check these directories out for a high quality selection of products in a wide variety of areas.
If you REALLY want to know what the highest commission products are, here are a few examples. But please remember that these areas are highly competitive, and it is hard to get search engine traffic for them
Information products - online newsletters and ebooks.
Credit Cards.
Online Gambling, sportsbooks etc.
Mortgages/loan companies
Software products
Web Hosting (very competitive area)
Office Supplies (such as inkjet cartridges)
This is not a definitive list. There are plenty of other products as well. These, however, are all very high profit areas.
Adsense
the list of legacy continues
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Diagnosing Mesothelioma
Basic Diagnosis
Diagnosing mesothelioma often means ruling out many diseases with similar symptoms before completing the diagnostic process. The initial diagnosis of mesothelioma is often made through the family doctor. The patient will give a medical history, which will include answering questions about their history of exposure to asbestos. Other diagnostic tests include x-rays, CT scans or MRI scans. The purpose of these tests is to try to see any shadowing, or tumor growth. In the case of pleural mesothelioma, lung function tests are done.
Lung function tests are an extensive battery of tests that show the physician how much air your lungs can hold as well as how well they transport oxygen through the body and release carbon dioxide from the body. Once your general physician makes a preliminary diagnosis, you will be referred to an oncologist.
After a Positive Diagnosis
Most doctors will have an idea about whether you are dealing with mesothelioma or not following the battery of tests, but a definitive diagnosis will not be made until after the oncologist completes a biopsy. The biopsy is a medical procedure that removes a small section of tissue from the affected area. This tissue is then sent to a pathologist who will examine the tissue and make the official diagnosis of mesothelioma.
Levels of Mesothelioma
Once a diagnosis of mesothelioma is made, the oncologist will want to determine what stage the cancer is in. The mesothelioma is considered localized if it is contained to the mesothelium. If it has spread to the lymph nodes, the chest, abdomen or other organs, then it is considered to be in the advanced stages. Staging the tumor is important because it helps the oncologist determine the best course of treatment. When deciding on a treatment protocol, physicians use the acronym TNM to determine the progression of the cancer. Tumor refers to the size of the tumor, N for whether or not there is lymph node involvement, and M for metastasis, or whether the tumor has spread to any other organs. The correct assessment as to the stage of the tumor gives the patient the best hope for a positive outcome.
Getting the Earliest Diagnosis
Because mesothelioma mimics so many other diseases, it is important to get an accurate and early diagnosis. If you feel that you may be at risk of mesothelioma and begin to suffer from any of the symptoms, you should consult a doctor who will aggressively work to diagnose you. While the wait and see approach is fine for many minor health concerns, mesothelioma requires an early diagnosis.
Mesothelioma is too often in the advanced stage by the time that a diagnosis is made. The tumors in the mesothelium are so thin that they will not show up on an x-ray during the early stages. By the time the tumors are visible, the mesothelioma may very well have invaded other organs.
While there is currently no screening tool that will allow doctors to test for mesothelioma in the earliest stages, if you are concerned about your odds of developing mesothelioma, there are some precautions that you can take.
If you know that you have been exposed to asbestos, either through occupational exposure, or exposure in your home, you should find a physician that has experience diagnosing patients with mesothelioma and other lung diseases. The more cases of any disease a doctor sees, the more easily he can diagnose them. If you are at risk for developing any asbestos related disease, choose a doctor that has experience in this area and see him for regular check-ups.
Ask your doctor about the wisdom of baseline tests. These tests can be controversial. Unnecessary x-rays, CT scans or MRIs are not recommended, and many doctors feel that, in the absence of symptoms, they are a waste of time and money. Some doctors feel that having these baseline tests make it easier to spot subtle changes on follow up tests.
Monitor your health. Although no one likes a hypochondriac, early symptoms of mesothelioma are subtle, and, in order to catch it early you must be attuned to your body. A cough that doesn't go away, heaviness in the chest or shortness of breath can all be signs of a cold or the flu, but with the absence of other symptoms such as a fever or chills, you should question whether it could be something more.
If you smoke, stop. Smoking has not been shown to influence the development of mesothelioma, however, it is thought to be a risk factor. If you are a smoker when you develop mesothelioma, you will also be putting enormous additional stress on your lungs. When a patient develops mesothelioma, their lungs will be severely stressed by excess fluid and their body by a decrease in oxygen as their lungs are unable to work as hard. Do you really want to further tax your lungs by damaging them with smoke?
Diagnosing mesothelioma often means ruling out many diseases with similar symptoms before completing the diagnostic process. The initial diagnosis of mesothelioma is often made through the family doctor. The patient will give a medical history, which will include answering questions about their history of exposure to asbestos. Other diagnostic tests include x-rays, CT scans or MRI scans. The purpose of these tests is to try to see any shadowing, or tumor growth. In the case of pleural mesothelioma, lung function tests are done.
Lung function tests are an extensive battery of tests that show the physician how much air your lungs can hold as well as how well they transport oxygen through the body and release carbon dioxide from the body. Once your general physician makes a preliminary diagnosis, you will be referred to an oncologist.
After a Positive Diagnosis
Most doctors will have an idea about whether you are dealing with mesothelioma or not following the battery of tests, but a definitive diagnosis will not be made until after the oncologist completes a biopsy. The biopsy is a medical procedure that removes a small section of tissue from the affected area. This tissue is then sent to a pathologist who will examine the tissue and make the official diagnosis of mesothelioma.
Levels of Mesothelioma
Once a diagnosis of mesothelioma is made, the oncologist will want to determine what stage the cancer is in. The mesothelioma is considered localized if it is contained to the mesothelium. If it has spread to the lymph nodes, the chest, abdomen or other organs, then it is considered to be in the advanced stages. Staging the tumor is important because it helps the oncologist determine the best course of treatment. When deciding on a treatment protocol, physicians use the acronym TNM to determine the progression of the cancer. Tumor refers to the size of the tumor, N for whether or not there is lymph node involvement, and M for metastasis, or whether the tumor has spread to any other organs. The correct assessment as to the stage of the tumor gives the patient the best hope for a positive outcome.
Getting the Earliest Diagnosis
Because mesothelioma mimics so many other diseases, it is important to get an accurate and early diagnosis. If you feel that you may be at risk of mesothelioma and begin to suffer from any of the symptoms, you should consult a doctor who will aggressively work to diagnose you. While the wait and see approach is fine for many minor health concerns, mesothelioma requires an early diagnosis.
Mesothelioma is too often in the advanced stage by the time that a diagnosis is made. The tumors in the mesothelium are so thin that they will not show up on an x-ray during the early stages. By the time the tumors are visible, the mesothelioma may very well have invaded other organs.
While there is currently no screening tool that will allow doctors to test for mesothelioma in the earliest stages, if you are concerned about your odds of developing mesothelioma, there are some precautions that you can take.
If you know that you have been exposed to asbestos, either through occupational exposure, or exposure in your home, you should find a physician that has experience diagnosing patients with mesothelioma and other lung diseases. The more cases of any disease a doctor sees, the more easily he can diagnose them. If you are at risk for developing any asbestos related disease, choose a doctor that has experience in this area and see him for regular check-ups.
Ask your doctor about the wisdom of baseline tests. These tests can be controversial. Unnecessary x-rays, CT scans or MRIs are not recommended, and many doctors feel that, in the absence of symptoms, they are a waste of time and money. Some doctors feel that having these baseline tests make it easier to spot subtle changes on follow up tests.
Monitor your health. Although no one likes a hypochondriac, early symptoms of mesothelioma are subtle, and, in order to catch it early you must be attuned to your body. A cough that doesn't go away, heaviness in the chest or shortness of breath can all be signs of a cold or the flu, but with the absence of other symptoms such as a fever or chills, you should question whether it could be something more.
If you smoke, stop. Smoking has not been shown to influence the development of mesothelioma, however, it is thought to be a risk factor. If you are a smoker when you develop mesothelioma, you will also be putting enormous additional stress on your lungs. When a patient develops mesothelioma, their lungs will be severely stressed by excess fluid and their body by a decrease in oxygen as their lungs are unable to work as hard. Do you really want to further tax your lungs by damaging them with smoke?
Mesothelioma
What is Mesothelioma
Mesothelioma is a cancer that develops within the mesothelium of the body. The mesothelium is the protective covering in the body. It covers various organs, including the lungs. The mesothelium is made up of two thin layers. When cancer develops in the mesothelium it is between these layers. The narrow space makes it very difficult to diagnose mesothelioma in the early stages.
Mesothelioma is a difficult cancer to treat. Once a diagnosis of mesothelioma is made, the majority of patients will not live longer than eighteen months. There are a variety of reasons for this, including the advanced nature of the disease once it is diagnosed and the lack of an effective surgical method of removing the tumors.
While most cases of mesothelioma occur around the lungs, it can also occur in the abdominal mesothelium, called the peritoneum, or the pericardium. While mesothelioma is most common in the lungs, it is important to differentiate between mesothelioma and lung cancer. They are two very different types of cancer and require different types of treatment.
How Does Asbestos Exposure Occur?
Asbestos is a naturally occurring mineral that has been used for centuries in various products. Asbestos has many attributes that make it valuable, including fire resistance. Asbestos was used in many products that were made for protection from heat and flame. This included actual clothing, such as gloves, to stuffing asbestos insulation into electrical conduit, to using asbestos to make fire proof cloth for use in power plants or petroleum refineries.
Asbestos also has excellent insulation and noise deadening qualities. This meant that asbestos was used in many construction products, including floor and ceiling tiles and wall board. Any home built before 1978 probably contains asbestos somewhere.
Asbestos exposure occurs when the asbestos that is in the products becomes damaged. Once damaged, the asbestos fibers are released into the air. The fibers are microscopic, smaller even than a grain of pollen, and invisible to the naked eye. The asbestos fibers, if inhaled or ingested, can become lodged into the body where it can create severe medical problems.
What is Asbestosis?
Asbestosis is a chronic inflammation of the lungs. The inflammation is a direct result of exposure to asbestos. Asbestosis is a progressive disease with no cure. The inflammation causes shortness of breath, which will get progressively worse as the disease progresses. Physicians can treat some of the symptoms of asbestosis with auxiliary oxygen, but it will not cure the disease. Death due to asbestosis occurs by respiratory failure.
Your Long Term Health
Asbestos related diseases, including asbestos cancer, do not show up until decades after exposure. Because of the long latency period between exposure and illness it can be hard to determine if you will suffer from asbestosis or mesothelioma. While asbestos exposure is the only way to develop these health problems, you may reduce or delay their development by taking care of your lungs today.
To protect your breathing:
If you do smoke, stop. In addition to mesothelioma and asbestosis, there is research that indicates that those who suffer from asbestos exposure and smoke are at a greatly increased risk of developing lung cancer.
Stay physically fit. Everyone’s definition of physical fitness is different, but up to thirty minutes of activity most days of the week will provide the most benefit. Physical fitness is important for healthy lungs.
Eat well. While there is no direct correlation proven between diet and mesothelioma or asbestosis, filling your meals with leafy and fibrous vegetables as well as whole grains has been proven to reduce the risk of other types of cancer.
What to do if you Think You May be at Risk?
If you think that you may have been exposed to asbestos at any time, it is important to share your concern with a physician. While asbestosis has no cure, early intervention can slow the progression of the disease. Mesothelioma is a very aggressive form of cancer, and one of the reasons that it has such a low survival rate is because it is not typically diagnosed until the disease is fairly advanced.
If you worked in an industry that has a high rate of asbestos exposure, you should consider yourself at risk of developing an asbestos related disease. Some occupations that had high rates of exposure include ship builders, petroleum plant workers, power plant workers and construction workers.
If you are concerned about asbestos in your home you should research the best remediation methods or hire an experienced contractor to do it for you. Although the remediation is not difficult, you must be careful and follow specific guidelines to reduce the risk of suffering from accidental exposure.
Asbestosis and mesothelioma are both serious conditions that can be a death sentence. While you may not be able to undue previous exposure to asbestos, you can commit to reducing your risk of exposure in the future, and take care of your body so that it will have the best chance of battling any disease that you may develop.
Mesothelioma is a cancer that develops within the mesothelium of the body. The mesothelium is the protective covering in the body. It covers various organs, including the lungs. The mesothelium is made up of two thin layers. When cancer develops in the mesothelium it is between these layers. The narrow space makes it very difficult to diagnose mesothelioma in the early stages.
Mesothelioma is a difficult cancer to treat. Once a diagnosis of mesothelioma is made, the majority of patients will not live longer than eighteen months. There are a variety of reasons for this, including the advanced nature of the disease once it is diagnosed and the lack of an effective surgical method of removing the tumors.
While most cases of mesothelioma occur around the lungs, it can also occur in the abdominal mesothelium, called the peritoneum, or the pericardium. While mesothelioma is most common in the lungs, it is important to differentiate between mesothelioma and lung cancer. They are two very different types of cancer and require different types of treatment.
How Does Asbestos Exposure Occur?
Asbestos is a naturally occurring mineral that has been used for centuries in various products. Asbestos has many attributes that make it valuable, including fire resistance. Asbestos was used in many products that were made for protection from heat and flame. This included actual clothing, such as gloves, to stuffing asbestos insulation into electrical conduit, to using asbestos to make fire proof cloth for use in power plants or petroleum refineries.
Asbestos also has excellent insulation and noise deadening qualities. This meant that asbestos was used in many construction products, including floor and ceiling tiles and wall board. Any home built before 1978 probably contains asbestos somewhere.
Asbestos exposure occurs when the asbestos that is in the products becomes damaged. Once damaged, the asbestos fibers are released into the air. The fibers are microscopic, smaller even than a grain of pollen, and invisible to the naked eye. The asbestos fibers, if inhaled or ingested, can become lodged into the body where it can create severe medical problems.
What is Asbestosis?
Asbestosis is a chronic inflammation of the lungs. The inflammation is a direct result of exposure to asbestos. Asbestosis is a progressive disease with no cure. The inflammation causes shortness of breath, which will get progressively worse as the disease progresses. Physicians can treat some of the symptoms of asbestosis with auxiliary oxygen, but it will not cure the disease. Death due to asbestosis occurs by respiratory failure.
Your Long Term Health
Asbestos related diseases, including asbestos cancer, do not show up until decades after exposure. Because of the long latency period between exposure and illness it can be hard to determine if you will suffer from asbestosis or mesothelioma. While asbestos exposure is the only way to develop these health problems, you may reduce or delay their development by taking care of your lungs today.
To protect your breathing:
If you do smoke, stop. In addition to mesothelioma and asbestosis, there is research that indicates that those who suffer from asbestos exposure and smoke are at a greatly increased risk of developing lung cancer.
Stay physically fit. Everyone’s definition of physical fitness is different, but up to thirty minutes of activity most days of the week will provide the most benefit. Physical fitness is important for healthy lungs.
Eat well. While there is no direct correlation proven between diet and mesothelioma or asbestosis, filling your meals with leafy and fibrous vegetables as well as whole grains has been proven to reduce the risk of other types of cancer.
What to do if you Think You May be at Risk?
If you think that you may have been exposed to asbestos at any time, it is important to share your concern with a physician. While asbestosis has no cure, early intervention can slow the progression of the disease. Mesothelioma is a very aggressive form of cancer, and one of the reasons that it has such a low survival rate is because it is not typically diagnosed until the disease is fairly advanced.
If you worked in an industry that has a high rate of asbestos exposure, you should consider yourself at risk of developing an asbestos related disease. Some occupations that had high rates of exposure include ship builders, petroleum plant workers, power plant workers and construction workers.
If you are concerned about asbestos in your home you should research the best remediation methods or hire an experienced contractor to do it for you. Although the remediation is not difficult, you must be careful and follow specific guidelines to reduce the risk of suffering from accidental exposure.
Asbestosis and mesothelioma are both serious conditions that can be a death sentence. While you may not be able to undue previous exposure to asbestos, you can commit to reducing your risk of exposure in the future, and take care of your body so that it will have the best chance of battling any disease that you may develop.
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