Tuesday, August 25, 2009

How To Boost Your Energy Level When Working Out

Bringing the Natural Taste of Green Tea to Ind...

A good understanding of how a human being metabolizes energy can help one to regulate good energy levels for working out.

Here are some tips on energy boosting

Diet

Eating sufficiently guarantees good levels of energy. Little food means that the metabolized energy sent to the cells is little. A feeling of tiredness will limit working. Tiredness is a method used by the body to preserve food.

In addition to eating enough, one should eat good food. Energy giving food for bodybuilders is devoid of saturated fat and excess sodium. Take food full of protein and complex carbohydrates such as oats and pasta. Fat from fish, nuts and olive oil is recommended.

Skipping meals eventually leads to overeating. This has effects of indigestion which delays synthesis of energy giving glucose to the blood.

Supplements

These should always come second to eating good and sufficient amount of food.

Supplements are meant to offer an extra boost of energy. There are numerous types of supplements, each for a different purpose. The way out is to check the ingredients. Get what will give the best results.

Common energy boosting supplements include:

A. Caffeine

It is found in coffee, tea, soda and also in pill form. It is widely used, virtually by everyone. It is also cheap and the most effective.

Caffeine is used to stimulate the central nervous system to make the body more active. It does this by acting as catalyst to the adrenal gland making them produce large quantities of adrenaline. Presence of adrenaline in the blood makes the heart beat faster. The body energy level is thus boosted.

A dosage of 100 to 300 mg before working out is recommended.

B. Creatine

It is less effective compared to the caffeine. It works as to enrich ATP.

ATP is defined as the electric circuitry in the cells that provides energy. This makes the body stronger and more active for short term periods. This will enable one to add an extra set of exercise to facilitate more muscle formation.

C. Green tea

In addition to caffeine, green tea has various vitamins and minerals. After the body has absorbed the caffeine in this tea, the vitamins will help to fully synthesis the caffeine.

Taking green tea with other multi-vitamins will bring out an even better energy boost.

Short Sleep

At times energy is low because the body is tired. A little sleep instead of food or supplement may be enough to rejuvenate the body and its organs. A 15-30 minute nap may be enough. However one must not overdo the nap as this may alter one’s sleep cycle leading to tiredness the following day.

Also one may just rest under a tree or listen to soft music.

Cardio sessions

After waking up, one can do a few laps or even skip. This will increase your metabolic rate resulting to more energy. Taking small meals after this session boosts metabolism even more and keep one going for longer hours.

Yoga

The mind may also be tired and stressed out. A tired mind simply drains away energy and motivation needed for working out. A 30 to 40 minute yoga session ill help relax a stressed out mind. Stretching also has relaxing effects.


About the Author: Dane Fletcher is the world's most prolific bodybuilding and fitness expert and is currently the executive editor for BodybuildingToday.com. If you are looking for more bodybuilding tips or information on weight training, or supplementation, please visit www.BodybuildingToday.com, the bodybuilding and fitness authority site with hundreds of articles available FREE to help you meet your goals.

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Wednesday, August 12, 2009

Sport For Two: What Activity is Especially Enjoyable to do?

Dancing, climbing the mountains or practicing yoga might be good not only for your body and soul but also for the relationship between you and your beloved. Doing something together unites you two, makes relationship mature and beautiful. But what activity is especially enjoyable to do for you two?

Stretching

It’s a form of physical exercise in which a specific muscle and joint is deliberately elongated to its fullest length in order to improve the muscle’s elasticity and reaffirm comfortable muscle tone. The result is a feeling of increased muscle control, flexibility and range of motion. Stretching for two is really effective as it sometimes requires a lot of strength and especially will to stretch a certain group of muscles. It is very important to feel the partner’s reaction and his/her body, too. It is very useful for a couple, right?

Dancing

The grace of waltz, the passion of tango and the craze of the rock n roll- it’s all about the emotions, but the elasticity and body shaping are important, too. Dancing in couples you are given a chance to get to know better your partner and yourself, to get rid of the shyness and feel the intimacy. You also improve you coordination, burn calories and learn stunning moves that would definitely fascinate your friends in the parties.

Climbing

Climbing is a very crucial activity to do. It requires a lot of responsibility and devotion. Now women, imagine you’re climbing up, seeking for a support to grasp, you climb higher and higher. But a little bit below you there’s a real support that you need. It’s your man watching your back and not letting you slip. He’s brave and attentive to every step you make. While you can help him telling the way, deciding whether left or right to go. This is a perfect way to learn to help each other, to trust each other, improve your coordination.

Yoga

Those who practice yoga claim, that doing yoga or two unites two people and gives them an incredible feeling of unity and new status of mind. Even if you might not expand the limits of reality at your first practices, you will still definitely feel satisfaction because of the variety of the exercises. The unity is extremely achieved through meditation. Try yoga for two and you will not only set yourself free, stretch and relax, but you will reach this together.

Tennis/ table tennis

Tennis is considered an intellectual sports game. It improves the speed of reaction and the ability to predict the opponent’s moves in just a bit of seconds. Playing tennis against your partner might be a great way to feel fun, but it becomes an individual victory. Therefore, doubles would be better options. This way you become a team with your partner and you both try to understand each other without words. It is also a perfect cardio practice and muscle toning.

Sex

Your pulse beats like in an aerobic class, your breathe as if running up the staircase, calories burn like in sauna- so why isn’t this sport? You don’t need gym subscription, new sports shoes and clothes. And no other sport will draw you together more than sex!

These activities and other sports stimulate metabolism, burn calories and fat, shape your body and keep your weight stable.

But if you need to lose weight visit this site http://curvid.bezoogle.com/pp/weight-loss/ or my blog http://one-life-one-body.blogspot.com/ for more information about amazing fitness program online.

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Tuesday, August 11, 2009

Buying Your First Home - A Guide for the Beginner

Becoming a first-time home buyer is a tremendous step in life. The sense of personal accomplishment, pride, satisfaction, and joy is irreplaceable. It is not without it's challenges, though. Because of the huge number of options available to you as a potential buyer, you need to take the time to become familiar with an overview of the buying process, the terminology used, and how to best approach buying your first home.

My strong suggestion to you as a first-time home buyer would be to seek competent, professional
financial guidance. It is relatively inexpensive, and could save you from making a costly mistake. Buying a home is not right for everyone. Even if it is a good choice for your financial future, you may need to take the time to save money for a down payment, or to fix any issues with your credit. Be patient, and make your preparations carefully... Below is a list outlining the buying process. Review it to become familiar with the steps involved. Oh, and one last, very important bit of information before you get started...Everything, and I do mean everything, in real estate is negotiable. Repeat that over and over to yourself and never forget, everything is negotiable...

Pre-Qualification

After making the commitment to buy a home and getting your finances in order, it is time to speak with a professional in the mortgage business.
Ask your friends and family for referrals. Take the time to ask questions and get familiar with the basic terminology used, plus to discover any pitfalls. The terms of your mortgage will have a lasting affect on your financial well-being, so make sure you fully understand what you are being offered. Ultimately, you want to become pre-qualified for a reasonable, affordable amount of money with which you can purchase a home. I personally recommend speaking to at least three mortgage brokers or banks to get your best deal. Also, I would avoid having your credit run during this process until you are ready for the next step. Most good mortgage brokers should be able to estimate your buying power from a short interview.

Pre-Approval

Prior to beginning an in-depth search for a home, I would suggest going beyond pre-qualification and getting fully
pre-approved. In this step, the mortgage lender will take a detailed look at your credit, finances, income, and other factors to solidify the amount of money available to you for a home. The primary difference between pre-qualification and pre-approval is you are shopping for a mortgage lender and getting educated about the loan products available during pre-qualification, but you have decided to commit to a lender and submit to the complete application process during pre-approval.

List of Needs & Wants
Make 2 lists. The first should include items you must have (i.e., the number of bedrooms you need for the size of your family, a one-story house if accessibility is a factor, etc.). The second list is your wishes, things you would like to have (pool, den, etc.) but that are not absolutely necessary. Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.


Representation by a Professional

It is very important that you can communicate clearly, honestly, and openly with any person who will directly affect your decision-making process. I know it is better to work with a real estate professional because of personal experience, plus feedback I constantly receive from clients and customers, so I highly recommend carefully choosing a representative to help you complete this important transaction. A quick word about buyer representation. In a great majority of situations (95%+), a buyer's agent is compensated out of the seller's equity. In plain English, this means unless your agent requires a small administration fee for services, you will not be responsible for compensating your agent at all for their services. It is very important you fully discuss this with your Realtor®, as there are simple contracts available that will put this information in writing and help protect your interests should a dispute arise. Also, just to anticipate and answer a question you may have on this topic, these costs are not passed back to the buyer through the sales price of the home. The reason for this is because the market, combined with a ready, willing, and able buyer sets the price for the home. The seller decides on an asking price, and may have a bottom line price, but you as the buyer ultimately decide what the home is worth. So, get a good Realtor®, study the market thoroughly, and make a fair offer based upon the comparable homes in the market. If the seller decides to accept your offer, you will have purchased the home at a fair price, and not one inflated to pay for the seller's costs or Realtor® fees.

Meeting with your Real Estate Ag
ent
Come to the first meeting with your agent with an open mind and lots of questions. You should be doing a majority of the talking and your agent listening to gather all of the information necessary to help you find your ideal home. Make sure you share your list of wants and needs, plus the information you learned from the mortgage broker. Your agent should be taking notes and reiterating accurately whatever is discussed.
I want to talk briefly about the importance of effective communication with your real estate agent. Buying a home should ultimately be a fun, rewarding, educational, exciting experience. It will not be free from challenge, though. You will at times find yourself frustrated, discouraged, and confused. This is completely normal, especially considering the magnitude of the transaction. Your Realtor® needs to know this information, both good and bad. Without knowledge of your feelings and concerns, the usefulness of your agent can be nullified. Make sure you are comfortable enough with your Realtor® to tell them 'no', or to be completely honest with your needs and wants. Make sure your communication is effective by listening to what your agent says and ensuring it is what you are expressing.

Focus & Organization
In a convenient location, keep handy the items that will assist you in maximizing your home search efforts. Such items may include:
  • One or more detailed maps with your areas of interest highlighted.
  • A file of the properties that your agent has shown to you, along with ads you have cut out from the newspaper.
  • Paper and pen, for taking notes as you search.
  • A camera to help refresh your memory on individual properties, especially if you are attending a series of showings.
  • Location: It can be beneficial to look at a potential property as if you are the seller.
Would a prospective buyer find it attractive based on school district, crime rate, proximity to positive (shopping, parks, freeway access) and negative (abandoned properties, garbage dump, source of noise) features of the area?

Visualize the House Empty & With Your Decor

Are the rooms laid out to fit your needs? Is there enough light? Will the home require any updating? Are the mechanicals in good shape? What about the roof? Try to keep accurate notes on both your feelings regarding the home, plus objective fea
tures that may or may not be positive. Keep in mind that it is always an option to ask the seller to gives allowances for updates or changes as part of the negotiation process, or to make the changes yourself for the right home.

Be Objective

Instead of thinking with your heart when you find a home, think with your head. Does this home really meet your needs? There are many houses on the market, so don't make a hurried decision that you may regret later.
It is important to know your personal strengths and weakness in the home buying process. Some people love the thrill of the hunt and seeing lots of homes looking for a positive feeling, while others are just interested in the facts and objective features the home offers. Some people are a combination of the two. Whatever your style or technique happens to be when searching for your new home, you must be honest with yourself and emphasize your strengths while seeking help with your weaknesses. I recommend in the initial phases of the home buying process that you try to keep your time in any home you view short and focused on finding positive first impressions. There really is a difference between finding a house and discovering your new home and I believe emotion and feeling plays a role in the process, but don't let emotions cloud your judgment. Be relaxed and aware of your emotions in this initial phase. Once you have narrowed your choices and become comfortable with the buying process, it is time to schedule second showings and to put on your objective hat. Now you are looking at the details from an investment standpoint, a functionality perspective, and determining whether or not there are any faults that would negate the viability of the home. It is here your Realtor® can be invaluable. Use your Realtor®'s experience and knowledge to help you step back and look at the home through the eyes of an investor. You may be surprised at what you find!

Make an Offer

Once all of the research is complete and you are certain you have found your new home, it is time to put together an offer. Again, the competent guidance of your Realtor® is critical at this point. Together, you must determine a fair amount of money to offer for the home, plus you must complete an accurate, comprehensive, legally-binding Sales and Purchase Agreement. Any mistake, error, or omission at this stage can become very costly in both dollars and emotions later. If you are at all uncertain or uncomfortable, seek professional legal advice before you sign any agreement.
A word about market perceptions. Today, we hear constant talk about it being a "buyer's market". What does that mean to you on the buyer's side of the transaction? I wish it meant that you could offer 15-20% below the asking price of the home and the seller would gladly accept, but that is rarely the case. Very simply, we find ourselves in a buyer's market due to an over-supply of homes and a lack of qualified, motivated buyers. It will affect prices in most areas, but the adjustment will be more in the neighborhood of 1-3%, if anything. That being the case, what are the advantages of being in a buyer's market? Let me just name a few and you should be able to see many others. Besides the possibility of a reasonable savings on price, sellers are more willing to provide allowances for closing costs, updates, or other incentives to get you to purchase their home. In addition, you have a tremendous variety of homes from which to choose. Plus, fierce competition for the best homes is reduced, thus allowing you a greater chance of not paying an inflated price for the home of your dreams. When you hear talk that we are in a buyer's market, just imagine yourself in the seller's shoes...Most people are not going to give away their home for less than a fair market price, so look to negotiate other benefits from the deal.

Be Thorough

A few extra dollars well spent now may save you big expenses in the long run. Your real estate agent should competently guide you through this phase, but you should be aware that after you have an accepted offer, you still need to perform due diligence to ensure you are making a sound investment. Don't forget such essentials as:
1. Having the property inspected by a professional inspector. 2. Requesting a second walk-through to take place within 24 hours of closing to ensure the home has been left in the agreed upon condition. Congratulations on your decision to educate yourself thoroughly regarding one of the largest financial transactions you will ever undertake! While the process may seem daunting and a tad overwhelming at first, with the help of a competent Realtor®, plus other industry professionals, you should be well on your way to a satisfying, positive, purchase of your new home. Good luck, and remember... This is supposed to be fun!

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Friday, July 24, 2009

The Benefits of Participating in Competitive Sports


Most of today’s post-college generations are no longer engaged in competitive sports, including women. Even if competitive sports were a part of our childhood to college years, chances are we get too preoccupied with other things to find time to participate in sports competitions. We have fond recollections of playing and we would have a blast if we participated in a friendly game with our friends, co-workers or neighbors, but we don’t. Sad to say, but you are losing a lot of good things and opportunities if you don’t. Let me give you some reasons why you should:

Competitive sports get us moving. Our speed may have dropped off through the years. In fact, most of us are sure to have been slowed down a bit by age. Fortunately, the same applies to most of our friends and family as well. On top of that, our friends and family could all benefit by getting outside and playing a nice rousing game of the sport of our choosing. We’ll all breath deeper, laugh harder, and, in the end, rest better after a bit of friendly competition.

Competitive sports also help us to stay in touch. With our hectic schedules, we often get so wrapped up in the necessities and mundane tasks of daily life that we forget to socialize. Humans are social creatures and we are healthier when we get a chance to interact meaningfully with friends, family or friendly co-workers.

Competitive sports could get us stay in tip-top shape. The physical, emotional, social and mental requirements to stay competitive and strong would surely keep those lagging if not aging muscles and desires from continuing so. The thrill, the excitement, the friendliness, the glorious memories could hold our youth to a standstill. We wouldn’t want our friendly competitors to trounce us so easily, so we would be forced to prepare through exercise and strategic planning. Our preparations and the actual games will surely strengthen us physically and spiritually.

But, with the way things are going on with our jobs and responsibilities, actually getting out and playing can be a big challenge. We have to settle schedule conflicts for ourselves and our potential team mates and we always have so many other things on our endless "to do" lists. Getting set up with a local league in the sport of your choice may help you get out and play. Sometimes we need to make a commitment to ourselves and others in order to ensure that we will follow through with our plans to play.

Many towns, cities, and local communities offer competitive sports leagues through their parks systems. These offer locations for practices and games and game schedules. Though some just offer the basics like baseball, basketball and football, some also have soccer, volleyball, or even tennis. Leagues vary from competitive to casual and teams can even be set up as a family, friend or work group who wants to play together.

If you are more interested in a casual game-setting, then getting a smaller group together regularly for a game of three on three basketball using the basketball hoops in your driveway or at the park. Or maybe a game of touch football might be the perfect thing for you. You get all of the benefits of revisiting your glory days with a group of friends without the long-term commitment to a team schedule.

Playing sports made you happy in your younger years. It might be just the thing now. There are so many benefits to getting moving and competitive sports are a great way to do it.

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Tuesday, April 29, 2008

Pay Everyone Cash Advance Loans

When you are in dire need of financial assistance, the best place for you to go is at Pay Everyone. They have the best services in terms of giving help for your extra income. They are offering cash advance loans which do not require paper works and all you have to do is to apply online.

Pay day loans the perfect solvent for financial problems. When ever you are strapped for cash, you can always rely on a quick and easy pay day loan, washing all those bills and worries away.

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Within a day, if you are approved, you will be contacted and will discuss what kind of pay day loan that you should use. After deciding the right course of action and the deal has been finalized you will then receive your pay day loan usually by the next business day. It's that simple and easy! If you need the money, don't wait sign up now!

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House Insurance Rates

Having a house requires you to have your homeowner insurance and you need to have the best insurance company to insure your house. There are so many insurance companies that you can find but one of the best companies that you can trust in terms of house insurance is at House Insurance Rates.

I would like to tell you something about Home Insurance Rates for your information. They are not an insurance company, so they bring house insurance rates to their visitors in a unique way. For one, they are not going to try to push their policies on you because they do not actually offer house insurance policies. Instead, they are a free referral service that helps match their visitors with quality house insurance companies that can offer affordable house insurance rates. Their insurer network includes some of the best homeowner's insurance companies in the business. Secondly, they do not just offer you one quote on house insurance rates, unlike many of their competitors. Rather, they offer you up to five free quotes on house insurance rates from various insurers. You see your quotes side-by-side to help make your comparison shopping simple and hassle-free. Their goal is to serve as a one-stop-shopping site for visitors looking for low-cost house insurance rates. Here are a few of the house insurance companies in their network:

• - Allstate
• - State Farm
• - Farmers
• - Farm Bureau Insurance
• - Nationwide
• - Safeco
• - AIG
• - AAA Insurance Company

For more information, you can visit them in their website at www.houseinsurancerates.com

Personal Cash Advance

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Personal advance payments in cash seems to be the fastest way to secure online advance payment cash flow loans loans to salary and the operation and the qualifications of its website seems much faster and easier. You can easily received and accepted once in your e-filing prepared to pay the amount directly into your checking account or savings account.

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Have Your Emergency Cash in Advance at Perfect Cash Advance

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If the demand for liquid funds are urgently needed, the user can log on the site to the advantage of Treasury loans. Since they are ready, even at low dispatched holders of credit cards, users can advance payments in cash loans without the guarantee of security. Users can provide loans to the future security of fixed income. The advantage of cash is the financial instrument for the needs of short-term liquidity needs and to avoid the penalty for the payment of invoices. These are considered the best way to the financial market between paychecks.

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No Debt Today Review

Suddenly you hear life. Why? Because you discover that you ears chief in more than doubtful debts. And what is worse, your creditors on time refuse to repay your debt.

Anyone can itself in such a situation, if you can not see everything light at the end of the tunnel. And you are compelled to break your life in order to find ways to help you repay the debt. Although the creditors are always so cold and indifferent. They are not interested in your life. Are you interested in their money.

However, nodebttoday.com come to the rescue. They have their own methods of work with the creditors. There are no creditors who refuse the terms of the loan softer, if nodebttoday.com ask him to do this.
If you've already lost your hope, the consolidation of debt, and its willingness to sell the most valuable things you have to be up and reach your debt to nodebttoday.com. There is no reason for such drastic measures. nodebttoday.com allow your debt in three hours, and you get a reprieve to repay your debts irrecoverable.

Take a tour at No Debt Today in their website at www.nodebttoday.com and learn more about credit card debt consolidation.

Get The Best Auto Loan Review

Are you planning a new car to buy? but the price is the essential factor in your decision hampered. The price is beyond the financial reach of you that you begin to have a different way. Getthebestautoloan.com is the right answer, they are, can provide a solution at this time, in order to the car of your choice.

You can lenders either offline or online. I will tell you that online donors are handy because you can access them from anywhere Clock Tower. All you have to do is, simply filling out an electronic form that will help you obtain the best offer ready for the purchase of cars and you are ready to have your auto loans.

Getthebestautoloan.com offers a car that is ready to provide financial support can prove that a sum for the purchase of your car. You can use any of this sum ready to work with you to help to buy, no matter what type of vehicle.

In getthebestautoloan.com you find an easy way to develop their services by car loans fill out the form right on its website. You will also find affordable monthly payments for several types of automobile manufacturers such as loans for new car loans, loans for cars and refinance your car.

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Wednesday, April 9, 2008

The Best naswer About Bad Credit Loans

Today, people who are having bad credit credit cards do not have to worry anymore since we already have Bad Credit Offers. When it comes to solving problems about bad credit loans, they are the best company that you can turn at and find the best solution about your financial problem.

You do not have to look for other company which you think can help you, but Bad Credit Offers alone can be the perfect place to get back on your feet and have a good balance sheet in your account. Visit their website at www.badcreditoffers.com and learn more.

Tuesday, March 11, 2008

You Can Reduce Your Contracting Risks You Can Reduce Your Contracting Risks

One frustration all risk managers experience is being brought into the contract process when it is too late to reduce the risk. Only yesterday, I was asked to review a contract for the acquisition of health equipment. When I sent my recommendations back to our contract negotiator I was told “But it’s too late – we already told the supplier that the draft they approved was the final version.”

The best time to negotiate contract terms and conditions is before the contract is signed!

Contract law is complicated, involving numerous federal, state and municipal laws (not to mention internal policies, procedures and protocols!) that apply different conditions depending upon the type and cost of the item under consideration.

Terms in the tender document or request for proposal are the starting point for most acquisition processes. The language of the tender or RFP is critical to successfully achieving a satisfactory relationship with the supplier of goods or services. The terms of the tender document, with the terms of the successful bidder’s response, are substantially the terms that will be included in the final contract. Procurement officers need to know the extent of negotiating ability they have upon receipt of bids or proposals. The variety in responses possible from bidders can often lead to very good reasons for going off in a new direction. But, straying too far from the tender specifications can quickly lead to multiple claims from unsuccessful bidders.

Purchasing and Risk Management Departments must work closely with other corporate colleagues to review or create business contracts that limit the organization’s liability exposure. Well-drafted, the indemnification and insurance clauses ensure that if something goes wrong it is clear who will bear financial responsibility.

The Risk Manager’s Role

The importance of risk transfer requires Involving risk management early in the process. The risk manager can help examine the purpose of the contract from an ‘outsider’s perspective. Specifically - what could go wrong with the work (or product/service)? If something were to go wrong – what are the implications of that problem? “Implications” can be financial cost, a delay in using the end result (e.g. a building), negative publicity or any combination of these three outcomes.

Risk manager can provide advice and consultation in structuring tender or RFP, assist colleagues in properly drafting contracts consistent with corporate policies and minimize financial risk by identifying and dealing with possible contingencies. They do this because they know that poorly prepared contracts can lead to nasty surprises. You want to enter into contracts with some assurance that the end result will satisfactorily meet your expectations.

The classic risk management process is helpful in conducting a review of any proposed transaction. To avoid surprises, you need to identify risks by considering what potential downsides can arise from the project. Once this step is complete, assess the risk by determining how likely it is that something will go wrong and if it does, how expensive the problem is likely to be.

The contribution of the risk manager to the contract language is central to successfully achieving risk transfer. Clearly define the circumstances under which the contractor will hold harmless and indemnify the municipality for losses arising from the supply of goods or services. If a serious loss occurs, these clauses can be analyzed word-by-word. Any ambiguity is likely to be held against you. Review and revise both the hold harmless and indemnify clauses until it is absolutely clear to you and to your procurement officer.

The term “Contractual Risk Transfer” is used by risk managers to avoid saying ‘passing the buck’. The goal is to always make the party who has control over the products or services accept financial responsibility.

Usually insurance does not cover problems arising from poorly-drafted contracts, negligence in the procurement process or poor performance of the work described by a contract. For example, there is usually no coverage for situations where unauthorized employees engage in work under an unapproved contract or for breach of contract claims. Poor business judgments and financial mistakes are also the responsibility of the organization. Claims arising from these errors typically must be paid by the municipality as those costs are rarely transferable to insurers or anyone else. The municipality is likely to incur all of their own costs arising from problems, plus any award to the claimant.

Always use written contracts and state terms and conditions clearly. In many situations verbal agreements are legally permissible. Properly drafted written contracts, however, reduce the chance of misunderstandings in the future. Documented business transactions protect the rights of all parties to the contract. The written contract provides an audit trail and authorizes the use of funds when paying invoices. Further, if the subject of the contract becomes an adversarial issue due to a lawsuit, the contract can show the intent of both parties at the outset of the work.

Written agreements ensure both parties have an opportunity to clear up at the negotiation stage any confusion or differing interpretations. The main purpose of written contracts is to prevent conflicts or litigation caused by inadequate documentation of crucial points. It is time-consuming and expensive to take issues to court for interpretation. Judges may interpret the contract differently than either party intended. The courts do not usually consider very great weight to verbal evidence as verbal statements are considered unreliable once a dispute has arisen. When contracts are vague or indefinite, or the intended performance cannot be determined, the court may rule the contract unenforceable - to the disappointment of both parties.

Power does not always prevail – when one party is larger than the other it may make them feel that they can dictate contract terms and conditions. Remember that you want a contract that is enforceable. When unfair bargaining strength is used, it can become contentious later if other problems arise. It is in all parties’ best interest to avoid ambiguous language and unreasonable or unlawful conditions. Always be prepared to be flexible and to take the time required for a good result!

Remember, it is important to note that any language showing a clear intention to negotiate cannot defeat an inherent duty of fairness with which the municipality must conduct themselves at all times. The trade-off is clear: the more extensive the negotiations, the more stress it puts on the municipality’s duty to be fair to all bidders.

To ensure changes are binding make them in writing and have the amendments signed by duly authorized representatives of both parties. This documents the change, provides clarity and binds both parties should problems arise later.

Three clauses complement and support the risk management process. They are hold harmless, indemnification and insurance. I recommend that these clauses be written separately.

In most vendor-provided contract documents, the Indemnification/Hold Harmless provision is far broader than what your organization would want to accept. Many vendor-provided indemnification and hold harmless clauses are limitless. If you accept these clauses you may be accepting responsibilities that your organization never wanted nor intended to assume and may not be able to insure. Usually you want to only sign contracts where the language limits your liability to acts over which the municipality has control and to the extent that it exercises that control. Assuming liability for independent contractors and consultants who are not under the municipality’s control is unwise.

The intention of the hold harmless clause is to describe exactly what type of circumstances the supplier accepts responsibility for. In particular, they specify who will pay for loss or damage arising out of the performance of the work contemplated by the contract. Most corporations will only enter into contracts in which the indemnification language limits their liability to acts over which they have control and to the extent that they exercise control. The hold harmless clause however, is only one clause of the trio needed to adequately protect the parties.

The second clause used is an ‘indemnity clause’. It will state that if something does occur leading to a loss, of a type that I/we have held you harmless for – then we will pay on your behalf (or reimburse you) any costs arising from our negligence. In other words, ‘the buck stops here’.

The final clause of the trio is the insurance clause. The insurance clause promises that the party performing the work (e.g. builder, supplier, etc.) will obtain and maintain the type and amount of insurance that you have stipulated to pay for any claims, losses and related expenses that may arise out of their negligence in performing the work planned in the contract. The intention is to ensure that the contractor has sufficient financial resources to support the indemnification provision in the contract.

With these three clauses, you have obtained a promise from your supplier or contractor to:
1. accept responsibility for their own errors or negligence,
2. pay any costs arising from those errors or negligence, and
3. carry insurance evidencing sufficient resources to keep their promises.

Often, I find that contract document presented by contractors have been written by lawyers or other ‘non-insurance’ professionals. In these cases, the language used may be out-of-date or simply not reflective of terminology used by insurance professionals. When this occurs, it is prudent to revise or replace those clauses with descriptions and phrases commonly used in the insurance industry today. This reduces the chance of ambiguity and difficulty in obtaining evidence of the type of insurance you want the contractor to carry. The most common example I see is the phrase “Additional Insured’ VS ‘Additional Named Insured’.

It is important that this phrase be limited to ‘Additional Insured’. Additional Named Insureds have at least two disadvantages: only Named Insureds are responsible for paying premiums and some policy exclusions apply only to Named Insureds. Benefits to your municipality of being an additional insured are:

 Coverage remains in force for Additional Insureds if a Named Insured breaches a policy condition,
 Reinforces risk transfer agreements in the contract,
 The Additional Insured has a right to claim defense from the insurer, and
 It usually prevents the insurer from subrogating from the Additional Insured.

Certificates of Insurance:

There is much debate amongst the risk management and insurance community about the value of obtaining and maintaining evidence of insurance on contracts. Certificates of Insurance verify the type of insurance that the Named Insured on the policy has purchased and specifies the coverage levels under that policy at the point in time that the certificate is issued. I firmly believe that certificates are of limited value – but they are the best and only evidence available at this time providing some level of comfort that contractors have a source of funds for defined claims situations.

There are two broad categories of certificates, those that you receive coming in and those that your send out to other parties. Municipalities usually receive certificates and infrequently send them to others.

Incoming certificates of Insurance are commonly issued by the contractor’s insurer or insurance broker. To be valid, I want to see the ‘live’ signature of a person authorized by the insurer to issue the certificate. Before issuing a certificate, the insurer wants some information describing reason for the certificate, the length of the subject of the certificate (e.g. a multi-year contract) and specific details of the name of the contact person/mailing address of their and at your organization.

Upon receipt of a certificate in your office, you will want to see at least the following information:

• name and address of the organization to whom the Certificate is being issued,
• brief description of planned activities/work,
• name and address of the Named Insured, (who must match the name on the contract)
• amount and type of insurance in force,
• effective dates of coverage, and
• a statement that your municipality is included as an ‘additional insured’.


When you are asked to issue certificates of insurance you should review the contract to be sure that you provide evidence of the proper type and amount of coverage required. Under no circumstances should you issue a certificate on behalf of any party or other organizations independent of your municipality, no matter how close a working relationship you may have with it.

When reviewing tender or RFP documents and the contracts that arise from them you can effectively use the risk management process to review the proposal and draft appropriate language. Manage exposure in any contract situation by ensuring conformity with generally accepted ‘due diligence’ practices from the very beginning. Be sure that appropriate risk transfer provisions are included at the tender or RFP stage. Finally, once the contract draft is agreed upon, ensure that evidence of insurance (and bonding, if required) is obtained and maintained throughout the life of the contract. As a risk management professional, remember that your training and experience makes YOU an expert who can protect your municipality.

7 Easy Business Optimization Solutions for Your Web Site

7 Easy Business Optimization Solutions You Can Apply to Your Web Site Today

Finding affordable business optimization solutions for your Web site can some time be a challenge. Many of the Web site owners I talk to on a daily bases are small business owners that have a limited budget when it comes to advertising and even smaller when they talk about their Web site. One general consensus is that they all know they need to beef up their Internet presence but they all believe the only way to do that is by hiring a company who specialized in Internet Marketing or Search Engine Optimization. What many don’t realize is that with a little time and effort they can apply some basic optimization solutions to their site themselves and usually for free if they are dedicated to making their Web site succeed.

Being a small business owner myself I know how hard it is to juggle advertising dollars and get the most advertising for my money is important. I am going to share with you a few tips on how you can have a sucsesful on-line presence by just putting a little time and effort into your site.

#1 - For Your Visitor

Lets start by taking a good look at your Web site. We all look at our site so many times often we overlook the obvious. Pick up the phone or drop an email to some of your most loyal customers and ask them what they would want to see on your site to help them be better informed about your product or services. Ask them their thoughts and comments on your site. Ask them to give you their honest opinion. Do they see anything that they could suggest to make it better for potential customers? Is there any specific information they fell would benefit a new visitor? It is amazing how getting the prospective of your customer will often open some windows you may have never thought of before and the greatest thing is it does not cost a dime.

Another great way to see how your visitors are using your site you may want to apply some click tracking software to your Web site so you can see how people are navigating through your site. It may be a real eye opener to how you have your pages set up. It will tell you just where and what your visitors are clicking on. Visit http://www.Crazyegg.com and apply a small piece of code to your Web site and start tracking your visitor’s clicks you’ll be surprised at what you discover.

#2 – For Your Visitor

While you are taking a look at your Web site have you given your customers easy access to your contact information on each and every page? Many Web site owners overlook this important aspect. You need to make it easy for potential customers to contact you. You want them to be able to find a way to contact you on each and every page and not just on a contact page. You’re working with split seconds every time someone lands on your page. Make it easy for them tell them exactly what you want them to do. Rather then just saying Call Now! Give them specific instructions.

For Example:

Go pick up your phone and call us now to hear more about this special rate. Time is limited so call now at 800-555-1234

Buy today to take advantage of free shipping ... delivered right to your front door in 48 hours!

Little things that you may not think are important usually are the things that result in making a sale or not. One important factor in advertising is trying to find ways to make what you say different then everyone else. Those that stand out in a crowd are usually the ones that are making the sale.

What can you do to make your information different? Think of your competitors and what they are doing then you do the complete opposite.

These are just a couple of Web design and layout tips to help with your business optimization solutions that will mostly benefit your visitor. Now lets concentrate on a few that the search engines will favor


#3 – For Your Visitor & Search Engines

You only have 3 seconds to capture someone’s attention so start your business optimization solutions right at your title tag. Go to your home page and make a mental note of your title tag (look in the upper left hand corner of your browser the words listed there are what it says in your title tag.) Now go do a search using your most relevant keyword phrase (what you want your visitors to find you on when doing a search) and look at the results that come up.

Look at the title of each result on the first couple pages. How compelling are they? Do they intrigue you to click on them by reading what is listed there? People are looking for instant gratification and they will read the results and normally will click on those that compel them to do so. For example let’s take a look at these results for coffeehouse:

Out of the following results which would you be more inclined to click on?

• Depot Coffee House
• Discover a Cup of Europe at Eurotazza® Coffeehouse
• DJ’s Coffeehouse
• Coffeehouse – Savor the Flavor of Brazilian Coffee

By addressing the instant reaction of your potential visitor you’re compelling them to click on your ad by writing a good title but you’re also creating a keyword rich
title tag that the search engines will favor.

The first impression most Internet users get of your company is the way you describe your site so use your title tag as the most part of your Web site.


#4 – For the Search Engines

Is your Web site compliant? A quick check of your HTML code will reveal if your site is complying with the W3C. I would recommend running your site through http://validator.w3.org/ to test your website for compliance issues with W3C.

Here is a short definition of what W3C compliance is;
The W3C is the World Wide Web Consortium and basically, since 1994 the W3C has provided the guidelines by which websites and web pages should be structured and created.
• Compliance help insure accessibility
• Compliance helps insure that your website is accessible from a number of different devices; from different browsers to the growing number of surfers using PDA?s and cellular phones.
• Compliance will also help insure that regardless of the browser, resolution, device, etc. that your website will look and function in the same or at least a very similar fashion.

Being compliant doesn’t necessary benefit you in terms of SEO at this point, however many of the processes you go through to get compliant code will automatically improve your “on page” factors and it will rule out a lot of crawling/indexing issues.

#5 – For Your Visitor

Pre-qualification of your visitors is one of the biggest problems many companies make when developing a Web site. Say your Web site is about “cell phones” and you’ve set up your site only for the keyword phrase “cell phones.” Do you know the competing pages for the terms “cell phones” is over 246 million?

Even as a Professional SEO I know it’s going to be pretty hard to compete with those kinds of numbers. Let’s say we break the keyword phrase “cell phones” down to the lowest and most detailed search giving your visitors exactly what they are looking for.

If I was working on this site I would be working on pages that are more concentrated around detailed keyword phrases.

• cell phone – competing pages – 246,000,000
• cell phone ring tones - competing pages 494,000
• custom cell phone ring tones – competing pages 225,000
• make custom cell phone ring tones – competing pages 177,000
• make free ring tones – competing pages – 31,700
• star trek ring tones – competing pages – 5,110
• family guy ring tones – competing pages - 1,950
• like to make my own ring tones – competing pages – 3

By spending just a little research time I was able to find some valuable keyword phrases that could be used to open additional windows into a cell phone site. The key is opening as many windows into your site as possible. Once you have given your visitor exactly what they’re looking for you have already earned their creditability and they most likely will spend additional time on your site looking at what else you have to offer.

Take a look at your site. Do you have a separate page for each of your products or services? Are you breaking it down in the smallest lowest detailed search?

Think of it this way …the search engines goals are to return the most relevant results to its users so break down your keyword phrases into the most detailed result and you are bringing very happy visitor to your site.

#6 – For Web Site Exposure

No one knows more about your product or service than you do so take your knowledge and put it down in writing. Nothing will give you more creditability then having a visitor reading something you have written about your industry. Still the power of the written word is priceless.

There are a number of Web sites on the Internet you can submit your articles to along with posting them on your own Web site. Most Web site owners think their Web site is just a place just to list services and company info. What some forget is most Internet surfers do much research before deciding to hire someone for a service or buying a product. Normally when someone is searching for they are gathering as much information they can about the product first. If they’re coming to your Web site reading valuable information about your industry and products they are immediately going to feel you are an expert in your field.

We are in a world laden with advertising so when writing about a particular product or service by-past the industry hype and stick to the facts. If your readers think you’re writing sales pitches they will instantly hit the back button. Give them detailed information or how to properly use your products something that will be of value to them.

Here is my top list of article marketing Web sites that you can submit your articles and remember the most important place for them is on your own site.

• www.BusinessKnowHow.com
• www.ArticleDashboard.com
• www.Buzzle.com
• www.ArticleBiz.com
• www.EzineArticles.com
• www.ArticleCity.com
• www.ArticleAlley.com

I found a great resource to get your content indexed on Google within 24 hours. Check out http://www.scribd.com. Be sure to read the terms of service Scribd does not like anything that resembles advertising.

#7 For YOU!

Learn learn and learn some more!

One of the best things you can do for your site is to learn as much about search engine optimization and internet marketing as you can. There are a number of free and affordable resources you can use to learn exactly what it takes to perform better in the search engines.

To start with here is a list of Blogs you can subscribe to so you can keep up to date with the latest changes on the Internet:

Angling in Paradise (May 2nd of the Kalum River)

My guests are ready and eager to go. The day before they had a count of four to three each. We make one stop at a convenience store to pick up last minute items and a quick coffee to go. We drive up the Kalum Lake road for five miles, stop at our shop and pick up the 19-foot drift boat then drive the nine miles to the launch site. Everyone’s in great spirits, laughing and joking all the way and only serious topic is sportfishing. What a great way to make a living.

I back the boat to the edge of the river and within 10 minutes we’re drifting. The drift is five miles long. Lines are made ready. Today we’re pulling plugs or using jet planers to pull spin & glow and eggs. The plug we’re using is a #20 hot-shot. Any color is fine as long as they shine and look new. Hook size is a #3 Gamakatsu. I use a size “0” jet planer. Spin & Glow #4 combined with #4 Gamakatsu hook. A little bigger hook is used with spin & glow so that an egg bag can be added, if desired. All hooks are tied with the “egg loop” knot and a four or five foot leader is tied between the jet planer and spin & glow. Reels are usually filled to capacity with quality 20-pound test line.

To keep track of our daily catches when pulling plugs I have devised the following system: If we had an eight to six day, it would mean that we hooked a total of 14 fish and landed six. The number eight on the left is the fish we hooked but lost and the number six on the right is the fish that we landed.

Time 9:20 AM. Three bank fishermen were plunked-out at the put-in, so we floated down to an area we call the pensioners hole, a distance of 100 yards and started fishing there. I told them to let out 60-feet of line. All three rods had hot-shots on. Lines went out quickly and I started to work the hole. As I started my swing to the right - POW - the rod on the left doubled over and we were into our first fish after only 10 minutes. The two other rods were pulled in, clearing the way for Les to play the fish.

Within seconds we all realized we had a powerful Chinook hooked. I slipped the boat down-stream and hit the beach approximately 200 yards from where the fish was first hooked. Les jumped out of the boat onto the shore and continued to fight the fish. Cameras were clicking and videos rolling.

The fish seemed to stop fighting but there was still a lot of pressure on the line as if it has sat on the bottom and decided not to move. This is a common Chinook trait. After 10 minutes we realized it was tangled with some line that had previously been broken off. The only thing we could do was get back in the boat, row out and hope we could get the mess off. Les pulled on the line to its breaking point and to our amazement and delight the other line broke and Les still had the fish. Back to shore we go, Les continued to play this fish and within another 10 minutes he had landed a 30-pound doe Chinook, bright silver, fresh from the ocean 114 miles away. So now our count was zero to one.

We celebrated as I pushed the drift-boat back into the stream and drifted to the next hole. This is a slow moving pool with a rocky tail-out. We started letting the plugs out high in the pool as not to spook the holding fish.

When all three lines are out 100 feet and in the center of the pool, I pull on the oars and they dive under. I start to sweep the pool. After four or five passes we are almost ready to give up and float onto the next pool when rod one doubles over. Instantly the line goes slack. When Les reels in the slack line a powerful Chinook rips off 50-yards of line and goes streaking through the tail-out. In a scramble, the other two lines are cleared out of the way. This fish, landed at the top of the next pool, weighed approximately 35-pounds and since Les already had taken his Chinook for the day, this fish was released, but not before pictures and videos were taken. Time 10:30 AM. The count is now zero to two and off we go.

Since this fish was landed at the top of this pool I decided to fish the lower end. Lines are stripped out on the fast side, and when all were out, I slipped down 50 feet to position the plugs just above the large rocky tail-out and started sweeping to the left. The plugs only fish effectively for one or two minutes because the back-eddy catches them and moves them upstream. After one sweep and no hits, I decide to try one more time. Lines are brought in and let out again. I make the sweep again. The plugs are coming into the slot when line one doubles over with a fish. Seconds later rod three does the same. At first we think its the same fish but we soon realize we have a double-header. We landed two very nice Steelhead weighing about 12 to 14-pounds each. Both were released. What a great day, we had not been fishing for more than two hours and we landed two chinook and two steelhead. The count is zero to four. Time is 11 AM.

We float down a mile passing over a long stretch of low, fast water and around a corner to the kiss hole. While approaching it we can see Chinook rolling on the right side. The kiss hole is a large deep run so I instruct my guests to snap on the jet planers and hook on egg bags. Eggs work well on spawning salmon. We let out 100 feet of line at the top of the run. I start working oars, moving the drift boat to the right, making sure the bait is presented where we’ve seen the rolling fish. It didn’t take long, two sweeps and a very large Chinook took the bait. Rod two was into his first fish. I stayed high in the pool, right side, moved very close to shore and dropped anchor in two feet of water. My guests played the fish from the boat while I went to shore to get some good camera angles. After 30 minutes of pumping Dave finally lands a 50-pound doe.

Score zero to five. Time 12:10 PM. It’s lunch time and I offer my guests the choice of a nice shore lunch complete with camp fire, which takes time, or we all can make a sandwich on board and keep fishing. It was unanimous - keep fishing!

I float down to the next run and keep the planers on because this is a long run too. I started at the very top and worked down. Twenty minutes had passed since I started fishing this run. When were almost ready to reel in, rod two buckles over and we’re into another fish. The fish goes streaking through the tail-out and managed to wrap itself around a rock and broke off. Score one to five. Time 12:45 PM.

We float down through the shoot and slowly I row a long calm stretch. The sun is shining, the fishing so far has been excellent and everyone is in good spirits. As we approach the tail-out we notice Chinook rolling on the left side in a deep slot just above the tail-out. I know from experience that the Steelhead hold on the right side on a gravel bar we call the reds. Planers are taken off in favor of #20 Special Edition (SE) hot-shots. One hundred feet of line is reeled out for all three rods and I start sweeping between rolling chinook and spawning steelhead. Rod three jumps and immediately goes slack. We realize the fish had spit the hook. The hot-shot of rod three starts to shake again. I row the drift-boat to the left and before I get to the middle of the pool rod three rips over, just like the fish had been following it, and almost breaks the rod in half as line goes screaming out. We’re sure that this fish is hooked well but our luck is running out - within seconds the line goes slack, another fish lost and we’re not even sure if it was a chinook or steelhead. Score three to five.

By now we must have spooked the fish so we decide to move on. Everyone is feeling down a bit from losing the last three fish, but we all agreed with the old say, “that’s fishing.”

As we float out of the run I navigate the drift-boat through a shallow rocky section into the next pool called the Jones’s hole. As we float around the corner we observe two bald eagles that I see almost every drift. Hot-shots are left on. We spend another 30 minutes sweeping back and forth fishing but couldn’t raise a bite. Off we go through more shallow water, bumping rocks, trying to avoid getting hung-up.

The next pool is called the double-header and is the half-way point on the drift. The pool got its name from the fact that on one drift we had hooked and landed two chinook at the same time.

The plugs are unsnapped and replaced by the jet planer. This is a short, deep pool whose water circles to the left. Lines have to be kept short to 50 feet and the jet planer is set for the deepest dive. We usually see Chinook rolling here, but didn’t observe any today. After 20 minutes of no hits, we decide to move on in favor of a run that has better conditions for plugging. We kept the jet planers on and adjusted them for shallow dive for the next run. Hooks are checked and sharpened. Fresh egg bags are put on. All this extra attention and good fishing habits didn’t do us any good because we didn’t get a bit after 20 minutes. I float down to the next run and lines are set out again. Ten minutes pass when rod three buckles over just as I was pulling hard on the right oar. Rod three nearly touches the bow of the boat. Panic is on again! After a 30 minute battle a bright silver 65-pound doe chinook is landed on the left shore. The party is on, especially after John released this big fish. Score now is three to six. Time 2:30 PM.

We float a half mile down a stretch of shallow, fast water to a big pool and holding area called the horseshoe. We see chinook rolling everywhere. All tackle is checked and 100 feet of line is fed out. After 10 minutes rod three rips over. John in ecstatic! This is his second fish in 20 minutes. After a short fight he lands a nice 15-pound doe steelhead that also was released. Count three to seven. We normally would spend more time at the horseshoe but since we’ve spent so much time landing fish we had to keep moving.

The next run is usually a very good run and sure enough we had two good rips, one on rod one and the other on rod three - John almost jumped out of his skin! Both fish were lost after a few seconds. Score five to seven. Time 3:30 PM. We’re on the move again to a run called lower rock alley. Once again, we had a good rip on rod three but the fish got off. Count six to seven. We float into a good pool we call the loser hole for the time we lost six chinook in this hole before landing the seventh.

Planers are removed in favor of hot-shots. After three sweeps rod one gets a good hit and the line goes slack. Les winds the reel like crazy but the fish has gotten off. Count seven to seven. Time 4:45 PM.

We make two more sweeps before we pull out of this hole. No more hits. We’re plugging the last hole called last chance. Everyone agreed they didn’t care if they had anymore hits because already the day was fabulous. They no sooner said this when rod two doubles over and the line goes screaming out. Another large chinook is on the hook. I beach the drift-boat and chase the fish. Dave ends up landed it at the drift-boat take-out. A few young kids were there watching the show and were amazed when Dave finally beached this 50-pound doe chinook - and released it. Count five to eight. Time 5:30 PM. My guests all laughed when I said, “Are we all done at five to eight?”

My guests gave me a hearty, “yes, we’re done for today - but there’s still tomorrow.”

We had a pretty good day. We hooked 13 fish and landed three steelhead and five chinook.

Reaching The Top of Page One In Google In As Little As One Week

When you have the right information, climbing to the top of Google in a very short period of time is entirely within your reach. I am living proof. Two weeks ago, I launched my new website, and now I have multiple listings on page one of the Google search results.

An Empirical Truth

Scientists make their way in the world relying upon empirical truths. For those who are unaware, an empirical truth can be defined as, "verifiable or provable by means of repeatable observation or experiment."

In essence, if you can observe it once, then it is interesting. But, when you can repeat the experiment and achieve the same observations multiple times, then you have evidence of an empirical truth.

>From my own observations, what I am about to tell you is an empirical truth, because I have observed it happen again and again.

The Challenge In Exposing The Truth

Anytime someone writes about how to influence placement in the search engines, the writer faces a difficult choice.

In order to light the path of those who come after the writer, the writer must provide some kind of proof as to how the methods work and what kinds of results the writer was able to achieve using the methods.

Introducing The Quandary

In order to believe my story, many people want to see my keywords so they can personally verify my story by reviewing the Google search results. Although you may not be competing directly with my website and the keywords on which I rank, one can almost guarantee that my competitors may stumble over my tutorial at some point in the future.

In other words, if I told you that I was trying to rank for the keyword "cock-a-doodle-doo", then you (the reader) could validate my results. At the same time, my competitor might discover this article and decide to use my methods and my keywords to outrank my own website in the search engines.

This actually happened to one of my mentors. In a public discussion of these same methods, he had given a bone to the readers of the forum where he was participating in a discussion. Within eight weeks, two of his top competitors held the top two spots for his keyword phrase, and after a five-year run at number one in Google, he suddenly found himself sitting in the number three spot.

So, the question is how I tell my story in a way that will help you to also see the light, without giving away the light bulb...

Have A Little Faith In Those Who Are Looking Out For You

Some of you may choose to have faith in the story that I tell. Others will choose to deny my methods, on the principle that they cannot see my results for themselves.

All I ask is that you have a little faith in my story. Then run your own test. Your test will not require a major investment, but when you see your website climbing from nowhere to somewhere in the Google results, you will be glad that you took my story on a little bit of faith.

Some Background

One of my mentors, Bill Platt, has been telling me about these methods for years. But to be honest, the picture just was not clear in my brain, for longer than I would care to admit.

Now and again, I would read something by one of the Internet gurus, and they would tell that they used these methods themselves. When the really rich people on the Internet tell you something about how to perform well on the Internet, it has always been my position that you should listen. I listened; well, I mostly listened anyway.

I hooked up with Bill shortly after having been told the importance of article marketing. Bill seemed to have the answers concerning the article-marketing model, having been in the business himself for a number of years, through his website (http://www.thephantomwriters.com).

Bill always told me that writing articles was about generating traffic and sales from the placement of my articles in ezines. He had also told me that if I played the game right, I could even benefit the rankings of my website in the search engines.

I started using Bill's article distribution service to put my articles into circulation.

Bill had also advised that his clients, who get the greatest benefit from article marketing, use multiple systems to distribute their articles. He advised that Willie Crawford (http://www.gitofftheporch.com) was one of the Internet guru's who used more than one distribution service to put his articles into the wild.

Bill said that using more than one service was a good thing, because most article distribution services have their own unique reach, enabling the writer to get published in more ezines and on more websites. He emphasized that the goal should be to get as many people to your website as possible, using your articles as a method for introducing the reader to your website.

Beware Of Your Own Smartness

After using Bill's article distribution services for a few months, I had the privilege of reading John Reese's Traffic Secrets (http://www.trafficsecrets.com). John offered many useful tips for a successful online business, but one piece of advice he offered I implemented immediately.

John emphasized the importance of tracking our results. He said that in order to see what is successful, we must have a method in place to enable us to track where our traffic came from. Suddenly, I realized that although I knew that my website had been driving a lot of traffic, I had really no idea where that traffic was coming from or its cause.

Let me clarify that a bit. I knew that most of my traffic was coming from the large numbers of articles that I had distributed through Bill's service and the service of one of his competitors (http://www.isnare.com). But, I did not know which articles were generating the bulk of my traffic.

So, I followed John's advice and bought a software package designed to help me track my results (http://www.dynatracker.com). Then, I told Bill that from that day forward, we would need to use tracking URL's with all of the articles I distributed through his service.

Bill agreed that tracking was important, but he suggested that there are better ways to track results than the one I was proposing. I listened to John, but I did not fully listen to Bill's advice. Looking back, I kick myself daily for not listening to Bill in that one moment.

Tracking Your Article Results

Bill had always told me that using the Dyna Tracker was a good product for tracking my results, but it had an inherent problem. That problem is that I would be passing the search engine Link Value from my articles to my tracking software and not to the individual pages of my website.

If only I would have listened... I ran a full-year worth of articles with the Dyna Tracker links in my resource boxes. While Bill was telling me to dump the Dyna Tracker links, I was busy praising the value of the data I collected from the software.

One Test Blew My Mind

On one of my regular phone calls with Bill, I told him that I was launching a new website to complement what I was already doing. I asked Bill if he had any recommendations that he would give me on the new site.

Bill told me that I would not like his answer, but if I wanted to hear it, he would tell me.

I have to be honest, a knot formed in the pit of my stomach as I braced for his comments.

He told me that I should get back to basics. He told me that I already knew from experience that articles would help me to drive traffic to my website. I did know that. Bill recommended that I do two articles per week for twelve weeks. I have done that before, so I knew that I could get good results from that advice. He told me to use more than one article distribution service to put those articles in the wild. I followed that advice as well.

Then Bill got to the stomach punch. Bill told me to throw away my Dyna Tracker and provide direct URL links to my website. He also told me to keyword some of those links to my website, for the purpose of influencing my search placement for those keywords.

He told me to test the idea and to measure my results in just a few weeks. He told me if the methodology did not work for me, then I could start using my Dyna Tracker again.

He also suggested that I should use his Link Building system to develop 100 inbound links to my website, targeting the keywords that I felt would be important to my business. (http://www.linksandtraffic.com) I figured it was worth a try. Bill had never led me astray before, and I did not expect he was doing so then.

The Results

Within just a few weeks, I was getting a good amount of traffic to my new website. Strangely, I found that I was getting far more traffic from the search engines than I ever had before, yet the website was almost brand new! That just flew in the face of that sandbox theory we all hear about.

So, I started testing the keywords that Bill targeted in his linking job on my behalf. Wow. I found my brand new website sitting in the #12 spot in the Google search results on a two-word keyword that is actually pretty competitive. I also found the keywords we targeted in the campaign sitting in the #1, #1, and the #3 spot in the Google search results. I also found many page one results in the Yahoo search results as well.

Cock-a-doodle-doo! The light bulb went on, finally.

Then two weeks ago, I started another new campaign for my newest website. Within 24 hours of completing that website, I had distributed my first article promoting the website. Within 8 days of releasing that site to the public, I also had page one and page two listings for a wide range of keywords that I have so far targeted for my new website.

When In Rome, Do As The Romans Do

I mentioned three of my favorite teachers in this article: Bill Platt, Willy Crawford, and John Reese. I felt all three needed a mention, because all three have taught me things that have helped me to make money online. If you would like to learn from their expertise yourself, just Google their names.

The most important thing that I have learned since starting my website is that if I want to get rich online, I need to listen to those who are already making money online.

My hope is that you will listen to them too, so you can join us at the top.