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April 30th, 2008

Depression Help: What Can the Bible Do to Ease the Pain of Depression?

There are specific quotes in the Bible that target emotional health and well being and this should come as no surprise as this Book does cover, in my opinion the whole range of humanity, including depression and its symptoms. As a source of a help for depression,like perhaps any religious book, it could work wonders for dealing with depression-of course when used wisely.

These symptoms of depression, which consequently make us seek help, include feeling alone, having low-self esteem, a negative outlook on life and even in some more adverse cases, suicidal thoughts. Thankfully, there is a God who cares and His assistance in regards to a successful depression treatment remains unmatched. The key is you have to approach the methods the RIGHT WAY.

Most of us turn to prayer in seeking depression help, however as I’ve stated in previous articles, to get the answers you seek for your problems (which actually may lie within, by the way) will require a clear mind. This perhaps can come only from a cleaner body. Since fasting is advocated in several faiths, perhaps this is why most people in the Bible (or even the Quran) fasted before, during and after seeking God’s help.

Remember drugless remedies have three limbs: Diet, exercise and Positive thinking. I’ve covered the diet and exercise part, let’s deal with positive thoughts for depression help.

To strengthen your thoughts and emotional health with the Bible (obviously I am Christian folks, but I am sure any religious book will work), I refer you to what I label as thought conditioners that you can use for depression help in conjunction to the proper diet and exercises touched on in other articles.

Depression Help: Biblical Quotes for Positive Affirmations

1. Romans 12 verse 2: “Be ye Transformed by the renewing of your thoughts”

2. Nahum 1 verse 7: “The Lord is good, a strong hold in the day of trouble and He remembers those that trust in Him”

3. Isaiah 41 verse 10: “Fear not for I am with you, don’t be dismayed for I am your God,
I will help you and make you strong and uphold you with my victorious Right Hand”

4. Hebrews 13 verse 5: “Never will I leave you; never will I forsake you.”

5. Psalm 23 verse 4: Yea, though I walk through the valley of the shadow of death, I will fear no evil: for thou art with me; thy rod and thy staff they comfort me.

6. 1 Corinthians 10:13: “No temptation (problem) has overtaken you except such as is common to man; but God is faithful, who will not allow you to be tempted (tested) beyond what you are able, but with the temptation (problem) will also make the way of escape, that you may be able to bear it.”

Okay, I have to stop friends, why? Because there are TONS of verses you can draw spiritual strength and help for depression from. They are best personalized to make them work effectively as depression help tools for your situation.

You may choose to repeat them upon awakening or right before going to sleep to enable the thoughts to seek into your subconscious. Moreover, borrowing from my previous article on using Yoga for depression help, why not try affirming some of these words mentally in the wonderful and exhilarating corpse pose.

Remember though, as powerful as these verses are, to derive the best results, ensure to include the other limbs of drug-free healing being exercise and diet in regards to a successful depression help program.

So empower yourself today to a successful help for depression with biblical quotes and the right positive attitude.

May happiness be yours.

Foras Aje - EzineArticles Expert Author

Foras Aje is an independent researcher and author of Fitness: Inside and out, a book on improving physical and mental health naturally. For additional information on depression treatment go to: http://www.bodyhealthsoul.com/depression.htm

Posted by admin as Life Of Psychology at 11:34 PM CDT

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Money and Sex

What has sex got to do with a sorting out your finances? Well as you read on you’ll see how money is often inextricably linked with sex and how problems in one area can cause problems in the other. And if you don’t believe money’s linked to sex, just try going home tonight and saying “hello darling, I’ve just gambled this month’s mortgage on a losing horse at Newmarket, do you fancy an early night?” and see what response you get.

Sex and money have been linked for almost as long as money has been around. Many people find money sexy and are attracted to people who have lots of it. Money can represent power and that can also be very sexy and attractive.

Money is used to pay for sex (whether you realise it or not) and invariably money is involved in the whole dating process, where ultimately many people are expecting it to result in sex. Sex is used to sell and advertise and make money and it’s sex that’s withheld when there are problems with money. Even the language of sex and money is intertwined, with the meanings of “spent” and “saving yourself” taking on a whole different context.

It’s also often the case that when partners are willing to be dishonest about sex and cheat on each other, they will also tend to be dishonest about money. A lie about either one can be the catalyst for deception in the other. This can cause a spiral of deceit that will often destroy a relationship.

When people become anxious and worried about money and their finances then it can impact their sex lives too. This then becomes another cause of worry and anxiety and can impair people’s ability to earn money, manage their finances or discuss money matters with their partners.

So what should you do if any of these issues are impacting you?

Firstly, accept that money can be sexy and fun. Often we associate money and sex in a negative way with prostitution, seedy clubs and internet porn sites. If we see it more in terms of Marilyn Monroe’s “Diamonds are a girls best friend”, “Cuba Gooding Junior’s “Show me the Money” from Jerry Maguire or Steve McQueen and Faye Dunaway in the original “Thomas Crown Affair” then we can feel much more positive towards it.

Don’t have arguments with your partner about money if it’s really about sex. Be honest about the real issues and talk it through like adults. And don’t use sex as a bargaining chip in discussions about money.

If you’re feeling down and depressed about money and it’s causing you problems in the bedroom then it’s better to focus on solving your financial issues than just spend more money on Viagra tablets.

And if your sex life is not all you want it to be, don’t try and compensate by overspending and getting your finances in a mess. It’s a simple fact that it won’t improve your sex life if you’re up to your ears in debt.

The reason people associate money with power and power with sex is really more about confidence. When people have a lot of money or they feel in control of their money then they tend to feel more confident. Imagine walking into a bar thinking about your latest overdue gas bill and the big outstanding balance on your credit card. Now imagine walking into a bar knowing you’ve got £1 million in the bank, a big house and no debts. How different would you feel? How much more confident would you be? And how much sexier would you appear?

And do you know the great thing about that last exercise you did. If you imagined it and felt the way I described then you don’t actually need the money. You just need to use your imagination. Next time you’re out just imagine yourself wealthy, get a vivid picture in your head and see how good you feel. You’ll exude more confidence and more charisma just through using your mind. How cool is that?

And if you’ve read all this and you’re saying to yourself, “money can’t buy you love” and “this is all far too material” then it’s unlikely that money is going to be attracted to you. The thing you want to realise is that it’s not about the money, it’s about the attitude. We are simply using money as a trigger and a catalyst. You can use whatever you want but for many people, money works.

Be honest and truthful with your partner about money and sex.

Seek to separate your finances from the bedroom. It’s rare that budgets are proposed as an ideal aphrodisiac unless you’re both chartered accountants.

Lastly, face up to the real issues and be honest with yourself. If you indulge in compensating behaviours, like overspending because you’re feeling unloved, do yourself a favour and sort out the real issue rather than create a new one.

Who would have thought that sorting out your finances could improve your sex life?

Andy Warren provides content for http://www.financialdetox.com

Financial detox (http://www.financialdetox.com) helps you to take control of your finances. Financial Detox provides easy, step by step guidance for your financial literacy. You can become confident and at ease with your money. Financial Detox gives you the structured support that you need to be in charge.

Posted by admin as Baker's Dozen at 3:40 AM CDT

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April 29th, 2008

Getting Paid for Taking Surveys Online; Facts and Figures

How Big Is The Online Surveys’ Industry?

Online marketeting that results in getting paid for online
surveys is a big industry in itself. It is estimated that around
$250 billion are spent on online marketing every year and 3
times that money is invested in market research yearly. There
are over 7 million companies that actively survey the consumers
to find ways to launch and promote their products. There are
hundreds, of surveys available every day and it will only
increase with time.

Who pays for and sends these online surveys?

Instead of launching a new untested product or service,
companies are willing to pay for online paid surveys by
gathering opinions of consumers that helps them to redesign if
need be, or improve their product or service prior to releasing
it for sale. Thus such companies reach out to a group of people
who match the user profile and send them products and services
to test. Or send questionnaire or take online surveys to know
the preferences of consumers. The person who has been chosen or
agrees to take these surveys gets paid for doing so.

How does having a computer and access to internet help?
The Internet has resulted in a revolution of paid online survey
databases. If one has Internet access and is connected to the
world, it provides you with the opportunity to make money online
by completing surveys for companies that need your opinion from
home! these companies send out surveys to your mailbox. You just
need to check your inbox, pick the surveys you want to take and
send them after completing it. Internet has made it a lot
faster, econimical and effective.

What is the procedure to take online surveys? Register
with companies looking for people to take online surveys for
their products. Check out their policies. Register with as many
of them as you can. And you will start getting surveys from them
and eventually you will start getting paid for taking online
surveys.

The Simpler Option The easier option is to register
with companies who are specifically affiliated to these online
survey companies and have an online survey database. Once you
regsiter yourself with this outfit, you won’t need to go
searching for companies and spending time checking and finding
out about their payment and other policies individually. You
will need to pay small fee to such outfits which is worth it,
considering you are saving so much time and energy. How long
does it take to fill out surveys?
Considering your typing
and thinking speed is average, it shouldn’t take you mor than
15-20 minutes to do one survey. Focus groups are another type of
surveys which is like participating in online discussion, brain
storming kind of interactive session, which last for about 30-40
minutes. For participating as Focus Group Member you ar paid
more than you are paid for taking online surveys. One makes
anywerhe between $5 to $150 per survey or focus group
discussion.

Do I have to pay taxes on this income Oh yes! You
recieve this moeny through check and fair medium therefor you
can’t eveade taxes at all if you fall in the tax paying bracket.
It also has a lot to do with tax laws in your country/area. You
will usually be considered an independent consultant for tax
purposes when participating in surveys and focus groups.

Is there a limit on number of surveys can one take in a
day?
No. As long as you are abiding by rules of the company.
One survey requries atleast 500 participants for accuracy
purpose. Scope thus is wide.

Any special requirement to take online surveys? Access to
internet, computer at home, preferably (so that you don’t have
to commute) and you got to be 18 years old.

Rough estimate of the money you can make taking online
surveys:
One survey @ $20 per survey will make you $600
every month. Participating in one Focus Group per week @ $150
per Focus group will earn you he same amount. And $1200 for
doing all the above which will take not more than 30 hours in a
month! Workig for 30 hours in a month for $1200? Not a bad
deal.That too when you are getting the comfort of working from
home. So regsiter yourself with online surveys and start getting
paid.

Posted by admin as Business Performance at 3:35 PM CDT

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Facial Enhancements with Surgical Implants

It goes without saying that the appearance of the human face plays a massive role in interactions between each of us. Implants offer an opportunity to put forth your best side.

Facial Enhancements with Surgical Implants

There are many definitions for plastic surgery. One of the more common is the correction or modification of abnormalities in the body. What exactly constitutes an abnormality is the subject of great debate, to wit, an actual abnormality or something a person subjectively does not care for in their appearance.

Surgical implants used for facial enhancements definitely tend to fall within a more medically determined definition of plastic surgery. The implants are often used to address imperfections that are both subjectively perceived and physically present from a medical perspective. Seriously small chins and uneven or collapsed cheek bones are a common area of surgical intervention.

Surgical solutions for facial defects are all about reshaping the face to a more traditional structure. The goal could be to increase the size of a chin to create linear balance from side views or to enhance one side of the face to create balance in appearance. Obviously, there are other situations as well. What is not disputed, however, is the emotional and psychological benefit of such enhancements when a serious defect exists.

To reshape a facial area, plastic surgeons will often use implants. The implants can be preset or customized for the particular problem. For individuals with seriously reduced chins, for example, an implant is placed at the point of the chin to create volume and more natural look. The goal in the surgery is to create a more balanced face by moving enhancing the chin in such a way that a view from the side shows a generally uniform slope from forehead to chin.

Facial surgery of this type is surprisingly uncomplicated for the patient. It is often done in less than two hours and hospitalization is rarely required. Generally, patients can return to work in a week and any indication of a surgical procedure can be gone as soon as two weeks after the fact. Obviously, each situation is different so consult with your medical professional to gain an understanding of your situation and the reasonable results that can be expected.

Facial abnormalities, whether perceived or medically significant, can be the crux of confidence problems. If you fall within this classification, do not hesitate to contact a plastic surgeon to discuss the options available to you. Make sure to look at before and after pictures to get a definitive idea of the solutions available.

Ricardo de Silva is with PlasticSurgeonPractices.com - a directory of plastic surgeons. Visit us to read more plastic surgery articles.

Posted by admin as Make Me Beautiful at 3:11 PM CDT

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Life Insurance Quote - How Much To Spend & How Much To Get

When a budget is tight it is easy to dismiss the need for life
insurance. Lack of knowledge can also make an individual put off
purchasing a life insurance policy. And, of course, planning for
one’s own death and discussing it with loved ones is always
difficult. However, the lack of life insurance can leave those
you care about with burdens after your death.

Why is it necessary?

In the period immediately following a death it is much easier to
arrange for a funeral if a life insurance policy is in place.
The average cost of a funeral is more than $7,500.

Also, within a marital partnership, the death of the spouse does
not relieve debt. Your partner will be liable for any payments
that need to be made. Standard housekeeping expenses will need
to be met as well. The ability for your loved ones to continue
living in the same manner as they did prior to your death will
also be important to you. Funding the education of any children
will certainly be important.

What amount should be bought?

In order to calculate the amount of life insurance you need you
must consider immediate and short term needs as well as long
term requirements. Burial costs and existing debt would fall
into the current needs category. Mortgage payments and child
care would also fall into this group. College expenses would be
an example of future expenses to be considered. Don’t forget
taxes that may be due. There are many calculators available on
the net which can help you to estimate the amount of life
insurance you may need.

If you need help

In a matter as important as life insurance it is always good
advice to get many quotes and compare them. Quotes are free and
are the best way to compare plans, pricing and options. After
receiving some quotes it may be prudent to consult a life
insurance professional or even an attorney. Many times life
insurance proceeds can be protected from taxation.

The best way to learn and save money on insurance is to collect
as many quotes as possible in order to compare services and
rates.

Posted by admin as Internet Finance at 1:29 PM CDT

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April 28th, 2008

Internet Shopping Among UK Consumers Soared Almost 50% In The 10 Weeks Before Christmas

Its as easy as 1 - 2 - 3,

If your going to make a real success of your online business or work from home business you will need to register a domain name for your new enterprise and pick up a budget business hosting plan.

If you Purchase your web hosting plan with White Star you will get 33 fantastico scripts enabled as part of your package. You will need to enable a CMS with ecommerce add ons, we are recommending Mambo CMS. Yes the White Star Internet Marketing web site is run on Mambo Content Management System (CMS), a free content management system that is search engine friendly, just look at these top 10 rankings in Google results for White Star Internet Marketing:

Google Search: top 10 seo london uk
results = 933,000
Position: 7

Google Search: seo sem london

results = 197,000
Position: 1

Google Search: online business seo sem

results = 1,650,000
Position: 8

The mambo system was installed only two weeks ago and already the site is in the top 10 on Google.

Once you have set up Mambo, pop over to www.mamboforge.com and get mamboshop.php the shopping cart add on for mambo.

That’s it, make sure you configure your ecommerce payment solutions and upload lots of info about the wonderfull things your going to sell. When you have done all of that go back to our home page and learn how to get your new website indexed by Google and MSn immediately with out spending a penny.

So all that stands between you and an avalanche of profits from tour new online business or work from home business is $12 per month and a PayPal account.

you can read the full report from the BBC here
http://news.bbc.co.uk/1/hi/business/4630472.stm

Rod Gardner is owner webmaster of White Star Internet Marketing http://www.seotop10rankings.com Specialists in low cost or No cost strategic internet marketing.

Posted by admin as Marketing Stuff at 1:35 PM CDT

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Website Design Mishaps - How to Avoid Costly Errors That Can Crush Your Chances of Success

Designing your website can be a difficult task especially if you
decide to do it on your own and you have no experience. There
are many websites and web hosts that provide tools to allow you
to build your website, but if you have no knowledge of what
works and what does not work in web design, you could be setting
yourself up for a big fall. Review the following suggestions,
implement them into your web design, and forget about being the
guy with a badly designed web page.

Suggestion #1 - Not Providing Information

One of the biggest design flaws of many different websites is
the lack of information. The best websites have tons of
information as well as FAQ sections where you can have the
majority of your questions answered immediately without having
to worry about contacting anybody.

Suggestion #2 - No Advertisements

Web surfers avoid advertisements, blinking text, and banner ads,
so if these exists on your pages they will simply ignore them
and leave. The biggest problem is that often times websites do
not have actual advertising, they do have a design flaw which
makes certain text appear as advertising. You should avoid this
at all costs because people will not look at this favorably.

Suggestion #3 - No Marketing or Search Engine Indexing

Another problem many websites have is they do not put much
effort into website marketing or search engine optimization. If
you do not focus on this, it won’t matter how well designed your
site is because nobody will be able to visit.

Suggestion #4 - Too Much Text

Remember to break up text, small paragraphs, bold words,
subtitles, and the like. If you do not do this and simply have a
page of solid text, people will more than likely leave than put
forth the effort to read your text. Be sure to avoid this!

Suggestion #5 - Change Color of Links

Make sure you allow links to change colors when individuals
visit one link. The reason for this is it gives people a sense
of orientation as to where they are and how they got there. If
you do not allow links to change to the normal purple for pages
already visited, this will cause annoyance for many web surfers.

Suggestion #6 - Don’t Include PDF

Don’t save anything on your website as a PDF file unless it is
very large and you do not have any other options other than
saving it as a PDF file. Regular information should be easy and
readily available on the website without requiring users to deal
with a PDF file that slows down the whole operation and is
generally a pain for most Internet users.

Posted by admin as Online Web Resources at 12:42 PM CDT

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April 27th, 2008

5 Keys to Building a Dynamic Self-Management Sales System

1) Identify Your Essential Competencies and Performance Metrics

If I asked you to list all the essential competencies that YOU are in control of - the ones that are absolutely critical for you to be successful in your sales position…could you do it?

For example…

Essential Competency or not?

” Converting conversations to appointments? (yes it is)
” What about filling out paperwork? No! (That’s a related task)
” What about closing ratio? (Sure it is.)
” Degree of success in turning a first appointment into an opportunity? (absolutely)

Get the picture?

Now, if you truly want to adopt a self-management system that will work FOR you - not against you, you first have to “access” what is an essential competency and what’s merely a related competency.

To do this, sit down and list any sales metrics and performance numbers inter-related to your competency numbers and your desired revenue results. (Hint: “Sales Cycle” and “Average Revenue” per sale are two.)

2) Diagnose Your Business on a Single Sheet of Paper

If I ran into you on a train or in an elevator, would you be prepared to tell me what you do (and how it benefits me or those I know) - in under 1 minute…

That’s called your 30-second commercial. Most people don’t have one, yet everybody needs one.

One way to understand more of the obvious benefits your products and services bring to the table is to start to view and diagnose your business more scientifically. You will also see how the numbers work and which areas are most important to your short and long-term success.

Ask yourself…What happens if your closing ratio reduces by 30% and your average revenue per sale increases by $2500? How does that affect your desired results?

Write your competency measurements and sales metrics on a sheet of paper. Calculate ratios in line with competencies and average numbers in line with your sales metrics. Assign your revenue object or quota. Play with the numbers and ratios to see how they are inter-related and how they affect each other.

3) Calculate your ‘Magic Number’

“Not setting enough new appointments on a routine basis” is like a malignant cancerous growth slowly eating away at the heart of most sales organizations - - Jeff Hardesty.

The reason for this is because most of us do not identify how many new appointments are needed on a weekly basis based on individual competency numbers and performance metrics.

That’s like diagnosing with blindfolds on.

Every one is different; we all have a ‘Magic Number’. And it’s personal to only you. If you routinely achieve it, you will routinely meet your desired results. Since it is a dynamic number that changes from week to week, it’s important to understand how it is inter-related with other competency ratios, performance metrics and desired revenue results.

It’s important to include your ‘Magic Number’ in your self-management system.

4) Train to the ‘Napkin Rule’

The ‘Napkin Rule’ simple means, putting aside all those sales automation systems for 30 days and keep track of your essential competency and performance metrics on a single napkin.

Compute updates daily. Store the napkin in your pocket. When the napkin fills up, transfer it to a legal pad to show month to date. Have nothing else on the legal pad except your essential competency ratios and sales performance metrics. After 30 business days, transpose the legal pad metrics to your favorite computer software spreadsheet, and track it for 90 days.

This simple but powerful “Napkin Rule”
will help you become the CEO of your business.

5) Run Your Numbers, Don’t Run after Quota

Concentrate on your numbers NOT your quota so you can diagnose performance trends before a revenue crisis. Then you have the power to institute strategies and tactics for immediate recovery.

Here’s why.

Reaching and exceeding sales quotas consistently has very little to do with product, pricing and competition. But it has everything to do with ‘Process’.

Identify the core competencies that are necessary to be successful in your sales routine. Then train to Powerful Routines to increase your ratios of effectiveness. Document these meaningful business metrics and review them weekly. Build a simple but dynamic self-management system and outperform your peers and competition while assuring your revenue success.

Jeff Hardesty - EzineArticles Expert Author

Jeff Hardesty is President of JDH Group, Inc. and the Developer of the X2 Sales System®, a blended training system that teaches sales professionals the competency of setting C-level business appointments.
Jeff has been featured in numerous National publications such as Business First, Dartnell’s SELL!NG , Chief Learning Officer and Training Magazine with reference to Blended Learning Systems and improving sales teams Key Performance Indicators.

He travels the country conducting live X2 ‘Boot Camps’ and Train-the-trainer sessions helping sales organizations get more reps to Quota in less time, shorten new-hire ‘Ramp-to-Quota’ and eliminate Turnover costs due to low sales activity.
Jeff can be reached at jeff@convertmoresales.com.
To view a complimentary suite of sales training ROI calculators and determine your sales team’s Key Performance Indicators in line with your sales objectives visit http://convertmoresales.com/roi_calculators.php.

Posted by admin as House Of Sales at 3:10 PM CDT

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Coping with Test and Academic Anxiety

Coping With Test and Academic Anxiety

Today is the day for an important examination. Your skills at
taking this test will help determine how well you do. Academic
anxiety can be a significant problem affecting many dissertation
students. Many students may have physiological responses such as
a rapid heartbeat, elevated blood pressure and shallow
breathing. The body prepares itself to deal with stress by
reacting in predictable ways. Behavioral patterns may affect
your performance as well so you can focus on the task at hand.
If so, there are effective techniques that can help you.

First, it is important not to underestimate your coping skills.
Developing a calming self dialogue is helpful. Watching your
self talk is critical. The next time you find yourself listening
to that discouraging voice that is blinking like a neon sign in
your head stand up to it! Think of yourself as a close friend.
The more you imagine the best the better your life will be.
Having determined your ultimate mission of having academic
success is non-negotiable. This means that in spite of difficult
times you remain committed to obtaining your advanced degree. Be
ready to adapt. The negative thoughts may be habitual and it is
important that you develop strategic coping thoughts to keep
firmly in your mind. An example could be, “I can do this, I have
done well before on other tests”. Remember to relax by seeing
yourself truthfully and that includes acknowledging and
affirming your strong qualities. Rejoice in your academic gifts
and your uniqueness. You are in control and need to trust in
your talent and your experiences. Remember what your personal
motives are for getting your degree.

Identifying the behavior that you want to change is critical.
Describe on paper the behavior you want to change. Develop
specific separate steps that can be taken to ease your anxiety.
You have the power to control your stress responses. How you
feel about yourself going into a test situation can affect your
future!

It now becomes important to visualize your desired results. Do
not let the face of fear define you. It is important to remember
that fear is irrational. It is not based on reality. It becomes
crucial to trust yourself and have courage. Do not let the fears
keep you from doing your best and be there for yourself when the
times are difficult. The what-ifs are the children of fear. They
almost always never come true. They are a way of trying to
control an unknown future. Focusing on what is rather than what
if will keep you focused on the here and how.

Make a true commitment to change the way you react to
performance anxiety and test taking. You have within you
enormous untapped resources of talent and ability. Illuminate
the road of your personal journey toward obtaining your advanced
degree.

Posted by admin as Education at 2:48 PM CDT

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The IRA Owned LLC, a Great Tool for Investing

“So many investors are tired of watching their retirement
accounts dwindle away from the lackluster performance of the
stock market, while the value of their home and surrounding
areas increase in the double digits,” said Marco Caporale,
President and CEO of Independent Executive Management, LLC.

Although using your retirement account to purchase real estate
does offer the potential for two to three times the annual
appreciation of traditional stocks, it does come with a lot of
regulations and severe penalties, if not correctly applied. That
is why the right account has to be set up, the rules have to be
followed and a good custodian can help. It is not difficult and
it can be done and many are doing it and making great money for
the future.

If you read this far you are thinking, “I have heard of this
before and all I have to do is open a self-directed IRA.”
However, to truly set your IRA free, (what many call checkbook
control IRA), a couple of steps have to be taken that will give
you total control of your IRA funds and profound asset
protection. Yes, your IRA’s, other retirement accounts, and
other investments are not protected from law suits and you can
loose your nest egg.

Let me start by giving you some background information. First of
all, most custodians, even true self directed custodians,
require massive amounts of paperwork and numerous hoops to jump
through in order for you to invest your IRA money in an
“alternative” investment. This costs you time and money
(custodian fees). To more effectively use your IRA, your IRA
will instead place all of its assets into a limited liability
company (LLC). Therefore, there is only one asset to be declared
by the custodian to the IRS and this translates to fewer fees to
you. Notice I did not say that your custodian manages your IRA.
Then who manages the IRA? well, you of course.

Why an LLC? The LLC gives great asset protection and tremendous
tax advantages. The LLC enjoys the asset protection of a
corporation while it can be taxed as a partnership. Partnership
taxation is great because the LLC itself will not pay taxes.
Instead, the owner of the LLC pays taxes as if they earned the
income. Who is the owner of the LLC? Your IRA is the owner of
the LLC(a tax- exempt entity). Therefore, you can maximized your
investment and pay no taxes, what a deal.

What are the “alternative investments” mentioned above? They are
too multiple to mention here but I will try: real estate, other
LLC’s, franchises, unsecured loans, corporations, mortgage
notes, commodities and futures, joint ventures, tax liens and
tax deeds, currency exchange, times shares, limited
partnerships, timberland investment, real estatle options,
commercial paper, hunt lease investments, stocks, bonds, mutual
funds, annuities, ect.

Is the concept of an IRA owned LLC legal? Yes, and the case
Swanson VS. The Commissioner in 1996 cleared up any doubts that
anybody had about this issue. In this case the court rejected
the IRS position that the business structure constituted a
prohibited transaction. The IRS was so wrong that the judge had
the IRS refund legal fees to MR. Swanson.

How can you create this magnificent business structure to
increase money for your retirement years? Here are the simple
steps:

1. Open a self-directed IRA account. 2. Transfer your IRA assets
to the new, self-directed IRA account. 3. Establish a LLC in the
state of your desire. 4. Apply for your LLC’s employer’s
identification number (EIN). 5. Set up a brokerage account or
bank account for your LLC. 6. When you are ready to invest
instruct the custodian to place the IRA assets into the bank
account or brokerage account of the LLC. 6. Start checkbook
investing.

Finally, you can move into the sef-directed IRA owned LLC other
retirement plans, 401ks, 403B and have other investors joint in
with you. Good luck and happy investing.

Posted by admin as Internet Finance at 8:16 AM CDT

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