5 Bankruptcy Questions To Ask Your Attorney Before Filing

Keywords:
bankruptcy,bankruptcy court,filing for bankruptcy

If you think that being bankrupt is the worst thing that could happen to you than think again! Yes you are right…Worst is yet to come, but of course you can control and eliminate that worst scenario by simply making correct decisions! Hiring a wrong attorney for filing your bankruptcy can be like a nightmare coming true!

So it is better that before hiring you do some research and make sure that you find an attorney who could really show you way attorney who could really show you way out from the bankruptcy mess!

Facts about selecting the Attorneys:

As most of the attorneys are usually overworked, they aren't able to give ear to full details of your case. You may feel that your attorney isn't pursuing your case the way you want him to pursue and ultimately you will feel irritated.

Many of the attorneys aren't qualified enough to lead your bankruptcy case. So such attorneys don't fulfill your expectations. Certificates are important indicators to judge whether the attorney is qualified enough or not.

Asking from friends won't take you to any good lawyer, unless your friend has gone through filing for bankruptcy but it may be useful to take advice from legal professionals.

You can even go to a bankruptcy court and observe the attorneys there. Maybe during your observation, you will find some attorneys who are good enough for you.
Once you find the attorney, you can satisfy yourself completely by asking him the right questions. A short conversation can tell you a lot about the attorney you have chosen. You can ask him about his expertise and his working and consultation hours. After conversation, you can evaluate the attorney to see if that attorney is really right for you or not!

Once you select the attorney, you must discuss with him what type of bankruptcy should you file? There are eight different types for filing bankruptcy. You attorney can best point out which type suits you for filing bankruptcy.

Secondly, you need to ask him how you can file for bankruptcy. You have to file for your bankruptcy in the state where you are living. The Attorney can prepare the necessary paperwork that would be needed to present to the courts.

Thirdly, you must know the fees that are involved in the filing for bankruptcy. The total fees will comprise of the attorney's fees plus the court fees that you need to submit to file for your bankruptcy.

Fourth, you must know where you should file your bankruptcy claim. You need to consult your attorney on how to get there and what documentation is required.
Finally you must know the after effects of filing for bankruptcy. As soon as you file for bankruptcy, creditors will receive notification from the courts and will not be allowed to contact debtor for payments. A hearing in court will be set. The case will proceed depending on type of bankruptcy filed.

Remember that this is your fight, so you have to be really involved in it and follow the case. You just cannot leave everything on the attorney!

9 Survival Tips for the Market Shakeout Blues

Keywords:
stocks, investing, uranium, nuclear energy, oil, energy, gas, commodities

Investors who bought during the top of the frothy commodities rally are now panicking or kicking themselves. Neither activity helps an investor or trader think straight. Below are a few tips in dealing with the current market shakeout.

1. If you believe you invested in the right stock(s), then turn off your computer and do something enjoyable. Exercise is a great stress reliever. The market has already begun its shakeout. If you didn’t get stopped out, or failed to place earlier stops, your best opportunity lays ahead in picking up additional shares at a much lower price. Most of the experts we’ve interviewed tell us the next rally should start sometime between late July and Labor Day. In an attempt to interview the uranium guru James Dines in late May, we were told, “Call back in a couple of months.” That was a helpful clue that the markets were less than exciting. Mr. Dines is often eager to be interviewed, but recently he was not.

2. Do you believe the fundamentals which engendered the commodities boom have changed? If they haven’t, then the bullishness is only taking a breather. We don’t see any fundamental change in the markets. Russia still wants nuclear power, and its oil production may be peaking. China hasn’t announced the end of its nuclear expansion program. India wants to spend $40 billion on new nuclear reactors. If you are invested in uranium stocks, spot uranium jumped another dollar to $45/pound this past week. Hardly the end of the bull market.

3. If you worry about your investment in one stock or another, then stop watching the ticker and focus on the company fundamentals. Is the story still true or has it changed? See #7 A, B and C below.

4. There’s an old cliché that the time to buy is when you feel like dumping everything you own in the category. At the exact moment you want to sell your entire portfolio of uranium stocks, it may be wiser to add to your holdings. This applies mainly to the retail investor. Most of the professionals did dump at the top and are now slowly accumulating the shares of the naïve who waited until the washout to start selling off.

5. Has a major, earth-shattering event occurred? The last bull cycle in uranium ended with Three Mile Island (TMI). The last decent rally in the precious metals markets fell off a cliff after it was discovered Bre-X Minerals had perpetrated a fraud about its gold ‘discovery’ in Indonesia. Something significant and newsworthy always transpires, and it is also far-reaching. That is the trigger. As with TMI and Bre-X, those were the first shots which launched a later chain reaction to end those bull markets.

6. Before pulling the sell trigger, ask yourself: Do I really want to give up these shares to a bargain basement hunter, who will make a killing on my losses?

7. Since most of you will still panic, please review the following basics for any of the uranium companies you’ve read about:

A) How much cash does the company have in the bank? During shakeouts, cash is king. Prescient companies, which completed their financings during the recent and robust rally, are sitting pretty. They can weather the short-term storm and are well-oiled to move forward when this correction bottoms and reverses. Those companies are the strongest ones to check out when this correction looks gloomiest.

B) Has the management remained the same? Unless the top financial and/or technical people blew out the door, in recent weeks, the story probably hasn’t changed much. Companies which built a strong technical team are resilient and powerful. They will move forward.

C) Have the properties come up dry? One of the reasons you invested in a uranium company was because it announced it had “pounds in the ground.” Some companies have more than others. Some went to the expense and trouble of completing a National Instrument 43-101, which independently confirmed the quantity and quality of the uranium resource. If that changed – and the company announced, “Sorry, nothing there after all,” or announced, “Hey, we were kidding,” that’s one thing. If you haven’t heard that, or read a news release announcing that, then the uranium didn’t walk away or move onto a competitor’s property. It’s still there.

Next time, when the markets are racing higher, and you feel like you won the lottery, consider this bit of biblical advice. The old joke goes, “When did Noah build his ark?” The answer of course is: Before it began to rain.

4 Keys To Freeing Yourself From Debt

Keywords:
finance, money, budget, personal, family, credit, debt, loan, mortgage, car, house, refinance, consolidation

Debt is a way of life for many Americans. We owe money on our homes, our cars, our possessions (from furniture to clothes), and our education. Many Americans are so mired in debt they aren't even sure just how much they owe and to whom -- even worse they sometimes don't even remember just what caused their debt.

Some debt is good for you. For example, what you owe on your home can provide a nice way to balance out your income tax. A little debt is not a bad thing either as making regular payments to various creditors helps build your credit rating which makes it easier for you to obtain loans at good rates. However the truth is that most Americans have more than a little debt -- and many owe far too much money and are already, or soon will be, in financial trouble as a result.

Finding yourself owing a lot of money is not the end of the road and you can stop your cycle of debt by taking four positive steps to break the cycle.

First, attack your high-cost debts. This likely includes credit cards where you may be paying high minimum payments and high interest rates. Pay off the balances on credit cards carrying the highest interest rates first. Continue making your minimum payments for lower-interest cards but concentrate on paying off the highest interest. When the high-cost cards are paid off then work to eliminate the balances on your other cards.

Second, reach out to your creditors. If you are going to be late or have difficulty paying your minimum payments then contact the credit card company. Even if you can make all your payments in a timely fashion there are two benefits you can reap from contacting the card issuer. First, you may be able to negotiate lower rates or more favorable terms. Second, they might be able to recommend alternatives that can minimize damage to your credit rating.

Third, consolidate your debts as much as possible. You can accomplish this a number of ways. One possibility is simply transferring balances from one credit card to another with a lower rate, but be aware of transfer fees before choosing this option. Another possibility, if you own your own home, is to take out a home-equity loan or line of credit which should have a lower interest rate than most credit cards can offer as well as offering tax deductions. Finally, you can also consider a secured loan offering the value in another form of property, your vehicle for example.

Fourth, don't sacrifice your retirement savings. Obviously paying off your debt should be a high financial priority but cutting what you save for retirement to do so may not be the wisest course -- especially if that becomes a long term habit or if you are losing out on your employer's matching funds as a result. Perhaps you may be able to borrow against (or from) your retirement funds at a lower interest rate which will allow you to continue to save for retirement while also getting out from under your debt.

While owing money may well be the American way it can also be a tremendous burden to bear. You can shed the weight of your load or at least trim it down to a more manageable level by taking these four steps.

10 Steps To Successful Debt Consolidation

Keywords:
credit card debt, debt consolidation, credit card, unsecured loan, mortgage

If you are having trouble balancing your income and expenditure because of large debts then read on and discover your options in credit card debt consolidation.

Debt consolidation can be an excellent option when you find your finances getting out of control but before you go out and sign up for a debt consolidation loan there are a number of factors you must take into account.

1) Why are you looking to consolidate debt?

The basic principle of debt consolidation is that you take out a single loan and use that loan to repay all your existing credit card debts, loans and overdrafts.

This normally results in lower payments generally spread over a longer term. Before you proceed with debt consolidation you should first consider whether there is a better alternative.

2) Sell assets to clear your debt

Rather than rescheduling your debts see if there is any way you can repay some or all of your debts yourself. Sell unwanted valuables and other items.

Depending on the item you can sell to dealers, advertise in local classified ads or through Ebay. Sell unwanted books through Amazon. If your debts are very high and you own your own home consider downsizing to release equity.

3) Pay more than the minimum off your credit cards.

If you can pay more than the minimum monthly payments you should seriously consider continuing with your existing credit cards and clear the debts over the next 12 to 18 months.

While it may mean restricting your spending in other areas it will be the cheapest option long term. Of course you may still opt for debt consolidation to make managing your debt easier.

4) If you are currently only just managing to pay the minimum monthly payments on your credit cards, or your total credit card debt is increasing each month then debt consolidation may be the right choice. There are a number of options when considering debt consolidation:

5) A mortgage or re mortgage

If you own your own home the lowest interest rates are obtainable by taking out a new mortgage to pay off your existing mortgage (if any) plus enough funds to repay you other debts.

If repaying your existing mortgage will result in penalty charges consider a 2nd mortgage with your existing lender. The interest charged will probably be slightly but not significantly higher.

6) Take out a secured loan with another lender

If you have already missed or been late with any payments, and as a result your credit score is too low for your mortgagor, consider a secured loan with another lender.

Secured loans in these circumstances are more expensive and the lenders are quick to repossess your home if you miss payments. Only take this route if you are certain that you can make the repayments.

Depending upon how bad your credit history is, so long as you maintain all your payments for the following 1 to 3 years, you can replace this loan with a mortgage or re mortgage once your credit score improves. There will be penalties however if you repay a secured loan early. Ensure you read the fine print.

7) A loan secured on other assets

If you have an expensive car, boat or plane you will probably be able to obtain finance using these assets as security. The rate of interest will be higher than a loan secured on property. If you do not have property or it is fully mortgaged securing a loan on other assets may be an option.

8) An unsecured loan

If you do not have property or other assets an unsecured loan is often a possibility. An unsecured loan is usually over a shorter term, normally up to a maximum of 7 years but occasionally longer. As a result the monthly payments will be higher but the debt will reduce quickly.

As the lender has no security your property and assets are less at risk if you default. The lender could, however, send in the bailiffs if they obtain a court order.

Because there is no security expect to pay a higher interest rate, particularly if you have a poor credit history.

9) Don't forget the credit card option.

If your debts are relatively low and you still have a reasonable credit history applying for another card with a 0% or low interest balance could be an alternative to a debt consolidation loan.

Go for a 0% balance transfer if you can realistically repay all or most of the debts in the 0% balance transfer period. If however, there will still be a substantial debt at the end of the balance transfer period go for a permanently low interest rate.

Be aware there may be a 2 - 3% charge on the balance transfer. To ensure you don't slip back into debt cut up all your credit cards and close paid off accounts.

10) Check all the options before making a decision.

As you research all the options it will quickly become clear if there is one obvious solution. For many individuals there will be more that one option so it is essential check them all out before makuing a final decision. Go to a range of different lenders and mortgage or loan brokers and obtain the best package for you. Remember you have the final say and just enquiring does not commit you to any course of action.

For a great many people debt consolidation provides an ideal solution to excessive credit card debt. Sorting out debt problems takes a little time, effort and determination. Once you've sorted your debts you will find life more enjoyable and relaxing and, with no debt collectors calling or contacting you by post or phone, much less stressful.

A Company’s Story Must Carry Impingement Value to Obtain Widespread Publicity

Keywords:
Publicity, PR, media, advertising, marketing, uranium, coalbed methane, CBM, newspapers, magazines, television, articles, columns, press, China, Russia, Kazakhstan

In two previous columns, we talked about how quality management attracts Publicity, or PR. Nearly every company is constantly trying to attract the attention of the media. What brings the media to a company’s door? That’s what every public relations man or woman would love to know. For this is what PR people get paid to obtain for their clients.

Quality management is certainly a key motivation in attracting a reporter’s attention. This helps persuade the reporter or a radio/TV producer that the proposed interview isn’t going to be with someone who has “nothing to say” or just rehashing a cliché or tired, old story. The higher the title and the better known a company, the greater the “impingement” a PR pitch (that’s what publicity people use to sell a reporter) impacts upon a member of the media. If someone from the publicity department at Microsoft calls Fortune magazine to ask about profiling Bill Gates, the pitch will have major impingement value. Few names have this kind of clout, either personally or corporately.

In any event, the senior editor of the major magazine will still inquire about the story angle. The editor will want to know, “What are we going to talk about?” Ultimately, it is the outstanding story that sells magazines or newspapers, not just the big name. Not all such stories involve a big name speaking or spouting his thoughts for the day. Often, better stories evolve when there is a strong newsworthy angle. Let’s look at two recent stories – one which involves a uranium company and another one about a coalbed methane (CBM) company, which we’ve covered in this column.

On Thursday, Pacific Asia China Energy (PACE) was featured in the Financing section of Canada’s Globe and Mail newspaper. Headlined “High-Energy Performer,” the opening sentences told us why the reporter was interested: “PACE holds contracts to help China explore for and develop its coalbed methane (CBM) resources – fuel China needs to help satisfy its energy demands.”

The big story, which drew the newspaper to Pacific Asia China Energy, was China. PACE piggybacked that story because the company may be helping to offer a legitimate solution to the country’s energy mix. Part of the big story is the possible size of the recoverable gas, estimated in a technical report by Sproule International to be as large as 11.2 trillion cubic feet of gas.

Those two items enhanced the reporter’s interest in PACE. China needs alternative energy sources, such as CBM, to improve their energy mix – from a near total dependence upon coal. And, PACE has a potentially huge resource, which could last a good number of years. Such a gas resource could be sufficiently large to make an impact on China. After all, China has proven reserves of a little more than 30 trillion cubic feet. Another 11 trillion cubic feet, should the potential be proven up, would represent a significant increase of available gas in a very large country. By itself, this could later develop into a major international energy story, reported upon by a great number of news media. Another impingement about the reporter is having the satisfaction of reporting upon a good story, well before others write the story.

Chatter in the newsroom:
“Did you hear about PACE’s gas discovery in China, Bob?”
Bob’s Reply: “Oh that one. Yeah, I wrote about it eight months ago!”

Therefore, there are multiple impingement points in this story. Each “draw,” or a reason to attract eyeballs to the story, is another point the story must score, for the reporter and his editor, to overcome the hurdles of being featured in a major publication. China is a draw. The size of the PACE coalbed methane gas resource is a draw. The potential impact upon China’s energy mix is a draw. Writing about it before the rest of the pack jumps on the bandwagon? That’s a draw, too. In this case, four draws sufficiently attracted media coverage for this small CBM development company.

Sometimes, the timing is just perfect, and the overpowering “big story” accidentally introduces a lucky guy onto the world’s stage. On the same Thursday, the PACE story was carried in the Globe and Mail, the Chief Executive of a tiny Canadian uranium company impinged on a Russian news service reporter in Hong Kong. Such was the good fortune for Craig Lindsay, a Certified Financial Analyst, who has spent more than 16 years in corporate finance, investment banking and business development, according to the website of Magnum Uranium, for which he now serves as Chief Executive.

While Magnum has a market capitalization of about $15 million, and Lindsay is neither a geologist nor engineer, RIA Novosti news agency touted him as a “well-known energy expert.” Admittedly, Lindsay gave a great speech at the Hong Kong Club for foreign correspondents. Cleverly, he announced, “Uranium may be the next oil,” during his speech. As many other industry experts have predicted, Lindsay also forecast uranium “may hit $50/pound by the end of the year.” So many are now announcing this it is likely to become a self-fulfilling prophesy.

What elevated Lindsay’s publicity was not what he said in his speech. Most of his commentary has been already been reported in numerous publications, including in our columns. (What reporters really hate is rehashing old news to give someone publicity!) It was to whom Lindsay was speaking, and especially the “timing” as to when it was said. Here is how Craig Lindsay got his “15 minutes of fame.”

About six hours earlier, the very same Russian news agency reported that Russia and Kazakhstan had signed a uranium deal worth $1 billion. The photos of Russian President Vladimir Putin and Kazakh President Nursultan Nazarbayev appeared as the photo op which goes with such really big stories. This was a major event involving two very big names, and among the biggest names and countries in the uranium sector. This was also Russia’s first contract to import uranium; Kazakhstan is the world’s third largest uranium producer. All of this is “big news.”

The clever Russian freelance reporter, who attended the Lindsay speech in Hong Kong, probably text-messaged or emailed his editor by Blackberry, tried to piggyback the Russian-Kazak story with his own story. Yes, that is how timing works. As soon as a major event takes place, other journalists rush to piggyback the event with “their” story. The Russian reporter scored points with his editor and got his story filed (slang for published).

Two cunning gentlemen, the Russian stringer (slang for freelance reporter), and Craig Lindsay (whose name was spelled Kreig Lindsay in the article), both accomplished their purposes. Mr. Lindsay got his company into the world’s spotlight. The Russian stringer got a great story. The reporter threw up a softball question, for which Mr. Lindsay supplied the desired answer.

What was the question the reporter asked Lindsay? That’s pretty obvious from what the reporter published in his article. Here is a clip from the Moscow News article:

Foreign investors are ready to invest in Russia’s uranium industry, if Moscow wants this to happen and establishes a necessary legal base,” Lindsay said. “I believe that Russia is one of the most promising directions for this kind of investments, it is an undeveloped market, full of opportunities. My company will be the first to come to Russia, if the necessary conditions are created,” he added.


Nowhere in Lindsay’s speech did Magnum Uranium’s Chief Executive discuss investing in Russia. However, the reporter NEEDED a good quote. It had to tie-in with “investing in Russia for uranium development.” Lindsay accommodated. He didn’t commit to investing in Russia, but he kept the door open. Magnum Uranium recently announced the acquisition of a 1,080-acre land package in Converse County, Wyoming. The company is also exploring for uranium in both Wyoming and the Athabasca Basin. Its finances are probably already stretched from both exploration and acquisition activities. Magnum’s market capitalization would probably be insufficient to launch investments into Russia, at this time.

However, Lindsay did a great job getting his company this caliber of publicity. And he got the uranium sector excellent publicity. He capitalized upon an impinging story – a story that did show up on the world’s radar – by correctly supplying an answer the Russian journalist was trying to prod out of him.

This is the essence of how journalists and publicity-seekers work together. If the PR person gives the journalist the story angle he is looking for within the bigger story, chances are it will appear in print. Piggybacking a “main event” is the most common way to increase one’s impingement value to a reporter. And by being a cunning interviewee for his Russian reporter, Craig Lindsay just got Magnum Uranium into this column as well!

A Spiraling Market and Rising Penny Stock Opportunities

Keywords:
penny stock,penny stocks,stocks,investor,investing,investments,stock market

It's been a wild and wooly couple of weeks on the international stock markets. But is the recent slide grinding to a halt...or just taking a breather before tumbling some more? And more importantly, what does it mean to astute penny stock investors?

Wall Street recently stumbled to its worst week of the year, and global stock markets fell dramatically on concerns about rising interest rates and slowing growth. After rising almost 9% in the first four months of the year, the Dow Jones industrial average has fallen about 6.5% from a six-year high, reached May 10, 2006.

Stocks have been ailing because penny stock investors fear the Fed could be so focused on inflation that it ignores signs of an economic slowdown, raises interest rates too high and sends the economy into a recession.

Global stock markets were sent reeling last week after golden-tongued U.S. Federal Reserve Chairman, Ben Bernanke shocked penny stock investors in saying the Fed will continue raising interest rates to keep inflation in check.

And that decision will have a direct impact on the penny stock market. Higher interest rates hurt penny stock prices because investors believe it will curb economic growth and corporate profits.

But why is inflation heating up? Higher energy costs. Traders and penny stock investors are also worried that with the hurricane season officially under way, Gulf Coast refineries and oil production sites could be damaged again this summer and fall.

And higher interest rates have the ability to affect the entire economy. Finance charges on credit cards will rise. So too will rates on mortgages and home equity loans, putting additional pressure on homebuyers and a softening housing market. Ultimately, it will cost more to borrow for expansion.

But does this signal doom-and-gloom for the penny stock market? Au contraire. While the temptation to sell everything can be overwhelming, some see this as a great opportunity. "I would not be selling. I would tend to be buying," said one New York analyst.

So how exactly is this an opportunity? It just so happens that many companies caught in the market's downward spiral are cheaper than they were a few weeks ago. And as any seasoned penny stock investor will tell you, buying a great penny stock when it's been beaten down isn't a bad way to make money over the long haul.

If you can stomach some of the volatility that is. While many blue chip investors have difficulty handling the market's unpredictability...it's par for the course.

So, "snap out of it," said another watcher. A month of dizzying selling has brought the markets into an attractive range. Is it possible the markets will fall more? Absolutely. After all, no penny stock is a sure thing. But one thing is certain: "Stocks are much cheaper now than they were two months ago."

4 Tips to Hiring a Better Debt Management Firm

Keywords:
debt, management, debt management, firm, information, finance

Individuals in debt who wish to make use of the services of a debt management firm should do research before committing themselves. An unscrupulous debt management firm can harm a debtor’s interests in many ways, so make sure to keep the following 4 things in mind before hiring a debt management firm:

1. Avoid any agency that calls you by phone or sends you spam: Most debt management firms advertise in the yellow pages or on the Web, but do not over-aggressively solicit clients. Therefore, there is a good chance any company which does so is not on the level. Debt management companies that follow a cold calling policy or send unsolicited emails will usually not be able to provide any solid references. Most of these companies do not even keep a reserve fund, which serves as a guarantee for the debtor that his creditors will be paid.

2. Non-profit agencies do not necessarily offer better service: First, not all non-profit debt management firms offer their services free; some firms charge up to 15% of the debt amount. Being a non-profit organization does not make a debt management firm a better and more efficient service provider than those that charge for the services. In fact, companies charging for their service are under an obligation to free their clients of debt as efficiently as possible because they are making a profit from their work and their profitability is directly linked to their credibility and reputation in the market.

3. Never part with credit card information on the phone: A reputed and honest debt management firm will never ask you to provide your credit card number or bank information on the phone. This is because they understand that callers can be impersonated; moreover, the increase in online frauds is reason enough for individuals in debt to be extra cautious when checking out debt management firms. Debt management companies that are acting in good faith will never ask a prospect or an existing client to part with sensitive information of any kind over the phone.

4. Don't believe anyone who offers a deal that's too good to be true - it probably is: Often debtors come across debt management deals that promise to reduce their debt by half in short time. This rarely happens; however, the debtor does end up paying high fees and a substantial upfront amount to the debt management company. Such companies also discourage debtors from communicating with their lenders; this is never a good idea and invariably leads to a negative impact on the debtor’s credit rating. If a debt reduction company promises to offer more than some interest reduction and counseling on getting out of debt and staying debt free, the claim should ideally not be taken at face value.

5 Steps To Researching a Stock Trade Before Investing

Keywords:
research, fundamental, technical, investing, analysis, stock, online, trading

Once you determine which business cycle the economy is currently in you can start researching for a trade. It is best to have some sort of a system in place that will be used before EACH trade. Here is a simple 5 Step formula to help get you started.

5 Steps to Investing Online:

1. Find a stock
This is the most obvious and most difficult step in stock trading. With well over 10,000 stocks to trade a good rule of thumb to consider is time of the year. For example, as I write this, it is the beginning of spring. It would make sense to consider stocks that traditionally make runs, or slide if you are bearish, during this time of year.

2. Fundamental Analysis
Many short term traders may disagree with the need to do ANY Fundamental Analysis, however knowing the chart patterns from the past and the news regarding the stock is relevant. An example would be earnings season. If you are planning
on playing a stock to the upside that has missed its earnings target the last 3 quarters, caution could be in order.

3. Technical Analysis
This is the part where indicators come in. Stochastics, the MACD, volume, moving averages, RSI, CCI, support levels, resistance levels and all the rest. The batch of indicators you choose, whether lagging or leading, may depend on where you get your education.

Keep it simple when first starting out, using too many indicators in the beginning is a ticket to the land of big losses. Get very comfortable using one or two indicators first. Learn their intricacies and you'll be sure to make better trades.

4. Follow your picks
Once you have placed a few stock trades you should be managing them properly. If the trade is meant to be a short term trade watch it closely for your exit signal. If it's a swing trade, watch for the indicators that tell you the trend is shifting. If it's a long term trade remember to set weekly or monthly checkups on the stock.

Use this time to keep abreast of the news, determine your price targets, set stop losses, and keep an eye on other stocks that you may want to own as well.

5. The big picture
As the saying goes, all ships rise and fall with the tide. Knowing which sectors are heating up stacks the chips in your favor.
For example, if you are long (expecting price to go up) on an oil stock and most of the oil sector is rising then more likely than not you are on the right side of the trade. Several trading platforms will give you access to sector-wide information so that you can get the education you need.

3 Steps To Profitable Stock Picking

Keywords:
stock, stocks, stock picks, stock picking, stock pick, stock analysis, portfolio management

Stock picking is a very complicated process and investors have different approaches. However, it is wise to follow general steps to minimize the risk of the investments. This article will outline these basic steps for picking high performance stocks.

Step 1. Decide on the time frame and the general strategy of the investment. This step is very important because it will dictate the type of stocks you buy.

Suppose you decide to be a long term investor, you would want to find stocks that have sustainable competitive advantages along with stable growth. The key for finding these stocks is by looking at the historical performance of each stock over the past decades and do a simple business S.W.O.T. (Strength-weakness-opportunity-threat) analysis on the company.

If you decide to be a short term investor, you would like to adhere to one of the following strategies:

a. Momentum Trading. This strategy is to look for stocks that increase in both price and volume over the recent past. Most technical analyses support this trading strategy. My advice on this strategy is to look for stocks that have demonstrated stable and smooth rises in their prices. The idea is that when the stocks are not volatile, you can simply ride the up-trend until the trend breaks.

b. Contrarian Strategy. This strategy is to look for over-reactions in the stock market. Researches show that stock market is not always efficient, which means prices do not always accurately represent the values of the stocks. When a company announces a bad news, people panic and price often drops below the stock's fair value. To decide whether a stock over-reacted to a news, you should look at the possibility of recovery from the impact of the bad news. For example, if the stock drops 20% after the company loses a legal case that has no permanent damage to the business's brand and product, you can be confident that the market over-reacted. My advice on this strategy is to find a list of stocks that have recent drops in prices, analyze the potential for a reversal (through candlestick analysis). If the stocks demonstrate candlestick reversal patterns, I will go through the recent news to analyze the causes of the recent price drops to determine the existence of over-sold opportunities.

Step 2. Conduct researches that give you a selection of stocks that is consistent to your investment time frame and strategy. There are numerous stock screeners on the web that can help you find stocks according to your needs.

Step 3. Once you have a list of stocks to buy, you would need to diversify them in a way that gives the greatest reward/risk ratio. One way to do this is conduct a Markowitz analysis for your portfolio. The analysis will give you the proportions of money you should allocate to each stock. This step is crucial because diversification is one of the free-lunches in the investment world.

These three steps should get you started in your quest to consistently make money in the stock market. They will deepen your knowledge about the financial markets, and would provide a sense of confidence that helps you to make better trading decisions.

5 Tips for Investing in Penny Stocks

Keywords:
penny stocks, stock market, investing

Investing in penny stocks provides traders with the opportunity to dramatically increase their profits, however, it also provides an equal opportunity to lose your trading capital quickly. These 5 tips will help you lower the risk of one of the riskiest investment vehicles.

1. Penny Stocks are a penny for a reason.
While we all dream about investing in the next Microsoft or the next Home Depot, the truth is, the odds of you finding that once in a decade success story are slim. These companies are either starting out and purchased a shell company because it was cheaper than an IPO, or they simply do not have a business plan compelling enough to justify investment banker's money for an IPO. This doesn't make them a bad investment, but it should make you be realistic about the kind of company that you are investing in.

2. Trading Volumes
Look for a consistent high volume of shares being traded. Looking at the average volume can be misleading. If ABC trades 1 million shares today, and doesn't trade for the rest of the week, the daily average will appear to be 200 000 shares. In order to get in and out at an acceptable rate of return, you need consistent volume. Also look at the number of trades per day. Is it 1 insider selling or buying? Liquidity should be the first thing to look at. If there is no volume, you will end up holding "dead money", where the only way of selling shares is to dump at the bid, which will put more selling pressure, resulting in an even lower sell price.

3. Does the company know how to make a profit?
While its not unusual to see a start up company run at a loss, its important to look at why they are losing money. Is it manageable? Will they have to seek further financing (resulting in dilution of your shares) or will they have to seek a joint partnership that favors the other company?

If your company knows how to make a profit, the company can use that money to grow their business, which increases shareholder value. You have to do some research to find these companies, but when you do, you lower the risk of a loss of your capital, and increase the odds of a much higher return.

4. Have an entry and exit plan - and stick to it.
Penny stocks are volitile. They will quickly move up, and move down just as quickly. Remember, if you buy a stock at $0.10 and sell it at $0.12, that represents a 20% return on your investment. A 2 cent decline leaves you with a 20% loss. Many stocks trade in this range on a daily basis. If your investment capital is $10 000, a 20% loss is a $2000 loss. Do this 5 times and you're out of money. Keep your stops close. If you get stopped out, move on to the next opportunity. The market is telling you something, and whether you want to admit it or not, its usually best to listen.

If your plan was to sell at $0.12 and it jumps to $0.13, either take the 30% gain, or better still, place your stop at $0.12. Lock in your profits while not capping the upside potential.

5. How did you find out about the stock?
Most people find out about penny stocks through a mailing list. There are many excellent penny stock newsletters, however, there are just as many who are pumping and dumping. They, along with insiders, will load up on shares, then begin to pump the company to unsuspecting newsletter subscribers. These subscribers buy while insiders are selling. Guess who wins here.

Not all newsletters are bad. Having worked in the industry for the last 8 years, I have seen my share of unscrupulous companies and promoters. Some are paid in shares, sometimes in restricted shares (an agreement whereby the shares cannot be sold for a predetermined period of time), others in cash.

How to spot the good companies from the bad? Simply subscribe, and track the investments. Was there a legitimate opportunity to make money? Do they have a track record of providing subscribers with great opportunities? You'll start to notice quickly if you have subscribed to a good newsletter or not.

One other tip I would offer to you is not to invest more than 20% of your overall portfolio in penny stocks. You are investing to make money and preserve capital to fight another battle. If you put too much of your capital at risk, you increase the odds of losing your capital. If that 20% grows, you'll have more than enough money to make a healthy rate of return. Penny stocks are risky to begin with, why put your money more at risk?

About Non Profit Fundraising

Keywords:
Online Fundraising, Non Profit Fundraising, Internet Fundraising

Did you know that 85% of Non Profit Fundraising every year is acquired from direct individual donations?

That 85% consists of large and small donations but it is the steady stream of small donations that keep most nonprofits afloat.

One should plan and forward his or her steps careful if the organization is new and they are not sure about the process of Non Profit Fundraising.

Ideally, first step should be to cultivate donors in the local community and than move on to Internet Fundraising.

How does one raise funds?

One can raise your funds through grants, product sale and special events and by phonathons. Online fundraising is very popular around the world these days.

Primarily one has to find one or two donor who will make a large donation (known as major donors).

Let us discuss some simple steps to get prospective donors interested and involved in the project.

1) Create a list of prospective donors who may get interested in organization’s activities.

2) Primarily one should concentrate on friend-raising activities rather than a
fund-raising one, like organizing some special events (a spaghetti dinner, carnival, concert, or some other fun activity) with several door prizes.

3) Now create a mailing list of those persons who are somewhat interested or may get interested about the organization. One should include the following points in the mailing list-

a) detailed address of office and residence

b) phone number

c) personal & detailed information

4) Within 3 days mail a nice letter to every listed individual. In addition, tell them-

a) how the organization is helping someone in the community.

b) that it is only possible with the support (monetary and otherwise) from
good people like them.

c) ask them for contribution and include a pre-addressed return envelope to make it easy for the donor.

5) Try to invite the prospect to come as a volunteer.

a) have a volunteer coordinator well prepared in advance to accept all calls, and to put them to good use.

b) the coordinator should introduce them to the staff, and make them feel to be a part of the organization. Once a volunteer feels to be a part of the
organization, he or she (and friends) is more likely to contribute.

6) Send letters and newsletters to those who did not volunteer. It may work to good effect if they are asked to speak to their civic groups, church groups about the organization. A good relationship always pays. .

7) Thank anybody and everybody whenever and however possible on whatever occasion.

Finally, maintaining donors’ involvement over time is indispensable. Try to get them excited about what you are doing with their kind help.

Remember: Non Profit Fundraising is all about building relationships.

Against The Top Down Approach To Picking Stocks

Keywords:
Stock picking, top down, stocks, picking stocks, investing, stock market, value investing, investor

If you have heard fund managers talk about the way they invest, you know a great many employ a top down approach. First, they decide how much of their portfolio to allocate to stocks and how much to allocate to bonds. At this point, they may also decide upon the relative mix of foreign and domestic securities. Next, they decide upon the industries to invest in. It is not until all these decisions have been made that they actually get down to analyzing any particular securities. If you think logically about this approach for but a moment, you will recognize how truly foolish it is.

A stock’s earnings yield is the inverse of its P/E ratio. So, a stock with a P/E ratio of 25 has an earnings yield of 4%, while a stock with a P/E ratio of 8 has an earnings yield of 12.5%. In this way, a low P/E stock is comparable to a high – yield bond.

Now, if these low P/E stocks had very unstable earnings or carried a great deal of debt, the spread between the long bond yield and the earnings yield of these stocks might be justified. However, many low P/E stocks actually have more stable earnings than their high multiple kin. Some do employ a great deal of debt. Still, within recent memory, one could find a stock with an earnings yield of 8 – 12%, a dividend yield of 3- 5%, and literally no debt, despite some of the lowest bond yields in half a century. This situation could only come about if investors shopped for their bonds without also considering stocks. This makes about as much sense as shopping for a van without also considering a car or truck.

All investments are ultimately cash to cash operations. As such, they should be judged by a single measure: the discounted value of their future cash flows. For this reason, a top down approach to investing is nonsensical. Starting your search by first deciding upon the form of security or the industry is like a general manager deciding upon a left handed or right handed pitcher before evaluating each individual player. In both cases, the choice is not merely hasty; it’s false. Even if pitching left handed is inherently more effective, the general manager is not comparing apples and oranges; he’s comparing pitchers. Whatever inherent advantage or disadvantage exists in a pitcher’s handedness can be reduced to an ultimate value (e.g., run value). For this reason, a pitcher’s handedness is merely one factor (among many) to be considered, not a binding choice to be made. The same is true of the form of security. It is neither more necessary nor more logical for an investor to prefer all bonds over all stocks (or all retailers over all banks) than it is for a general manager to prefer all lefties over all righties. You needn’t determine whether stocks or bonds are attractive; you need only determine whether a particular stock or bond is attractive. Likewise, you needn’t determine whether “the market” is undervalued or overvalued; you need only determine that a particular stock is undervalued. If you’re convinced it is, buy it – the market be damned!

Clearly, the most prudent approach to investing is to evaluate each individual security in relation to all others, and only to consider the form of security insofar as it affects each individual evaluation. A top down approach to investing is an unnecessary hindrance. Some very smart investors have imposed it upon themselves and overcome it; but, there is no need for you to do the same.

7 Tips To Help Reduce Your Debt

As debt continues to increase in many households across America, more families each year are finding themselves looking for ways to reduce their overall household debt. For some, this may be easier said than done. Debt reduction requires a lot of hard work and dedication. Especially when you are used to spending money left and right.

Those that are serious and committed to reducing their debt will eventually reap the rewards of being debt free. Reading my simple seven tips will give you many ideas, about how you can reduce your debt.

Cut back
When you start to cut back on spending, you will find corners that you can cut through out the month, to help you pay off your debts. Simple things such as, being aware of all of the electricity you use, and turning off lights that are not needed as you leave a room, will help reduce your light bill, therefore, you save a little more money to reduce your debt with. Once you become aware of your spending habits, and start cutting back, you will start to notice more ways to cut back each month.

Budget
Budget your income. List all of your monthly bills and their due dates. Apply them to your budget, as well as other household needs, for example, groceries, gas etc. Allow yourself only so much money per month to spend on extras. Sticking to your budget will show self control, and determination for reducing your debt.

Limit the use of your Credit cards
If you can not pay cash for it, then do not buy it. If you have to charge something, make sure that you can pay the balance in full when your next credit card bill comes in. Never charge on your credit card to only pay the minimum monthly amount. You will never get that maxed out credit card paid off that way. The importance of paying your credit card balance in full, can not be stressed enough.

Get rid of your credit cards
If you are determined to reduce your debt, cutting up your credit cards will help. If you do not have them, you can not use them. If this is too big of a step for you, at least get rid of the unnecessary ones. Keeping only one or two, low interest rate cards for emergencies only, is a good idea. Remember if you can not pay cash for something, then you probably do not need it.

Pay off your debts
If you have already acquired some debt you need to pay off, now is the time to get started. Decide which debt is your smallest and start with that one. Pay on it as your budget will allow. Once you have gotten your smallest debt paid off, you will have a feeling of satisfaction and know that you can pay off your debts. Then move to the next smallest debt, when you are paying them off one by one, it is easier to do, with out feeling over whelmed. Before you know it, all of your debts will be paid and you will feel great about knowing you paid them off.

Debt consolidation
Debt consolidation is another option to look at for reducing your debt. Debt consolidation companies, will call your creditors for you, and make payment arrangements for your debts. Many companies will get you one low monthly payment to pay each month, until all of your debt is paid off.

Financial counseling
Make an appointment with a financial counselor to help you reduce your debt. Some people find, having someone else point out the errors in their spending habits to help tremendously. Financial counselors can also show you how to better manage your money, and stick to a budget.

5 Ways To Try And Reduce Your Debts And Outgoings

Keywords:
Reduce Your Debts

Anyone that has a high level of debt or a number of creditors to pay off each month will know how stressful and difficult financial management can be. However, for those crippling themselves with monthly outgoing as a result of high debt levels there are some steps that could help to reduce the amount that you have to pay out each month, as well as reducing overall interest paid on your debts.

1. See where you can make cutback's on your outgoing's. Look at cutting back on little luxuries such as eating out at lunch each day rather than taking sandwiches to work with you. Also cut out any unnecessary expenditure, such as subscriptions and memberships that may no longer be of much use to you. It is surprising how much you can claw back through a number of small savings each month, and this can then be applied towards your smaller debts such as credit and store cards in order to clear them more quickly.

2. Make sure that you are aware of exactly what is coming in and going out of your account each month. Trying to manage your finances and prioritize on paying off debt is impossible if you don't keep a proper track of your income and outgoing's. List down every little payment that goes out of your account so you know exactly how much you can afford to spend or put towards clearing your debts a little faster.

3. Consider consolidating your debts. By consolidating smaller debts with one larger loan you can reduce the number of repayments you have to make each month, cut back on the number of creditors to whom you have to pay interest, and dramatically reduce the amount that you pay out each month. For homeowners, a secured loan could be the ideal solution, as this can be spread over a longer period and this helps to keep monthly repayments down. You should be aware though, that by taking finance over a longer period, this would mean you pay back interest for longer. However, if the interest rate is lass than what you currently pay, and lower monthly payments means that you have more disposable income to spend, it would serve to prevent it from being necessary that you need to take on extra borrowing as you will have spare money each month to either build up savings and be able to afford things which you made want to purchase, with out borrowing additional money.

4. Try and clear your overdraft. If you have an overdraft with your bank, and you find yourself reaching the limit every month, one small transaction is all it will take to push you over the limit – and of course this means hefty bank charges being added to your account. By ensuring that you keep your overdraft at a sensible level rather than teetering at the brink of exceeding the limit you can avoid these hefty charges.

5. If you do intend to take out another loan this should be by way of consolidation rather than an addition to your existing finance, as consolidating all your existing credit may help to ease the financial strain and reduce outgoing's, whereas another added loan will increase both. It may sound obvious but try avoid taking out a loan as an easy solution, as this will only suffice for the short term and you may soon find yourself struggling to keep up with all of your previous debts plus a new loan.

Being Creative With Your Fundraising Ideas

Keywords:
fundraising, fundraisers, fundraise, fundraising for little league, school fundraisers, college fundraisers, church fundraisers

Have you realized just how much fundraising is going on these days? There is fundraising for little league, school fundraisers, and the college fundraiser, as well as church fundraisers. Day cares need more funds, hospitals need new equipment, and cheerleaders need to fundraise for their costumes. And to think up new fundraising ideas that will be successful is becoming more challenging every day.

On a good note, it shows that people do care how others live and cope with their lives. However, it also means that, because we are always being asked to donate to one good cause after another, we are not always able to help. Despite our best intentions, our own funds simply will not stretch that far.

However, if we request the donation of items instead of cash, that is often a relief to a potential donor. People will often gladly donate a can of food for a food drive, or a kitchen item they have never used for a sale, whereas they would not donate cash. And there are many kinds of fundraising ideas you can use to hold sales based on items collected.

For example, you could hold a toy drive that would give your organization toys to sell to support your work. Or what about a gardening sale? If you have some volunteers with green thumbs, they could easily grow some plant cuttings or start some seeds or bulbs growing ready for a plant sale in the spring or early summer, when the general public is looking to restock their garden after the winter.

Book sales are always well attended, but of course you will need to collect a lot of donated books to make this a success, as books do not generally sell for a high price. You could approach local publishers to see if they have any books that they could donate to support your cause. If they do give you some books, don't forget to write them after your event to thank them and also to let them know how successful you were and how much their donation helped you. Donors like to be thanked, and they are more likely to support you in the future if they know their gift has been appreciated in the past.

Some groups like to ask for donated items and then they use these to make up some themed gift baskets which they then raffle, usually at another fundraising event. For example you may make up a bath basket containing some soap, hand towels and bath salts from your donated items. The trick here is to keep raffle tickets affordable, especially if you are expecting those that donated the items to be buying the raffle tickets!

You may find that some people are willing to volunteer their time rather than funds. For example an electrician may prefer to spend a half day checking the wiring in the new offices your non-profit group just moved into, rather than donate cash. As long as this benefits your non-profit organization, any donation is welcome, whether it is time or money, but make sure your donors know what the goal of your organization is, and how their assistance will help you. They may then mention it to their circle of friends, and this kind of promotion is very valuable.

Candle Fund Raisers Are Highly Profitable For Your Organization

Keywords:
candle fund raiser,fundraising,non-profit,raising money

Fund raisers are a great way to raise money for your school, sports team or other type organization. What’s also nice about them is that they are a very sociable way to earn money for a good cause because you’re out there meeting the community. For younger participants, fundraisers can even be an early lesson in sales and marketing.

A very high-profit fundraising item right now is candles which are fun and very easy to sell because of their popularity. Candles are a much better choice than food or over-priced novelty items that tend to generate lower profits. They are a rapidly growing option that is more appealing to the public because they are a non-junk food alternative to fund raisers.

Candle fund raisers can also be very lucrative because they come in so many different varieties of size, color and scents creating a great earning potential. For school fundraiser such as band or sports teams, you can purchase and resell candles in your school’s colors. For any type of organization, especially religious congregations, think about holiday themed candles for those times of the year.

If your group has decided to embark on a candle fund raiser, a plan of action is a very important step for reaching your fund raising goal. You should start by determining the amount of money you want to raise. Next, figure out how many people in your organization are willing to take part in the campaign and then set your deadlines by deciding on when your group is planning to start and stop the fundraiser.

Research the candle manufactures that get involved with fundraisers and supply these types of items for that purpose. You’ll want to start comparison shopping so that you can ensure the most profit. Once you’ve got your partnership in place, the next step would be to determine the ‘new’ sale price of each candle and the number of candles each participant in the fund raiser will need to sell in order to achieve your goal.

Be sure to let everyone involved know what the expectations are and encourage them to use their best selling skills. Also, if you’re using brochures to sell the candles, you’ll want to supply your sellers with everything they’ll need to make meeting your fund raising objective as organized and easy as possible. Give them plenty of order forms and make them aware of shipping and delivery time periods so that they can let their customers know when to expect their items.

By following a few guidelines and setting a fair, but profitable pricing structure, your organization should be well on its way to reaching its fund raising target! Good Luck!

Car Wash Fundraiser Ideas

Keywords:
fundraiser,fundraising,fundraisers,car wash fundraiser,school fundraiser,youth fundraising,fundraiser ideas,fundraising ideas

Car wash fundraisers are a proven money-maker in virtually every community. All you need are willing volunteers, a high-traffic location with good visibility, and some attention getting signs.

You can put a car wash fundraiser together on short notice, but they work best with a little planning. Here's how to get started...

Things To Do List
1- Line up a location with good main road frontage
2- Ensure it has suitable water access
3- Assemble supplies list – hoses, buckets, wash towels, dry towels, squeegees
4- Assign each volunteer an item from the supplies list
5- Make 8-10 poster board signs in high-contrast colors
6- Arrange your volunteers in 2-hour shifts
7- Get advance publicity, if possible

How To List
1- Organize your group into teams - Promotion, Sales, Wash, Dry
2- Promotion team attracts new clients with signs
3- Sales team explains offer (use flyer for quick info) and up-sells clients
4- Wash team soaps, scrubs, and rinses each car
5- Dry team gets water residue off, vacuums, does tires, etc.
6- Have at least two lines so you can wash two or more cars at once
7- Wash cars for six to eight hours (Saturday 9:00 to 3:00 preferred)

Your fundraiser’s success will depend on the weather. If you can wash 12 cars an hour (one every 10 minutes in each line), you can raise $500- $1000 in one day.

Remember to put together a quick flyer that includes the reason why you’re raising funds and clearly states the price. You can even offer some extra services such as providing high-gloss tire treatment or vacuuming interiors for an additional fee.

Car Wash Fundraiser - Success Tips
1- Location, location, location!
2- Sell car wash fundraiser tickets in advance
3- Use a flyer that clearly explaining why you're raising funds
4- List all prices concisely in large, bold type
5- Up-sell to include additional services
6- Partner with another group if your head count is low
7- Increase revenue with an extra offering such as a 2-for-1 pizza savings card

Alternatively, you can advertise a free car wash and just ask for donations for your cause.

Often, this can raise more cash than stating a specific price, because people will see a group of volunteers working hard and having a good time, and may part with their money more easily.

Final Advice
Make sure to keep the event fun for all your participants and your customers. Play upbeat music. Provide soft drinks and snacks to keep the energy level up.

Keep safety in mind. Be sure to get volunteers to hold and wave signs toward passing traffic, not just volunteers to wash cars.

If you have time, get your car wash fundraiser some publicity coverage in the local newspaper, or by posting signs a day or two in advance.

Cheerleader Fundraising

Keywords:
fundraising,fundraiser,fundraisers,cheerleader fundraising,cheerleading fundraiser,youth sports fundraising,sports fundraiser

Cheerleading fundraisers are the ultimate in small group fundraising. Cheerleaders possess boundless energy, determination, and loads of contacts (for potential supporters).

Harnessing all this energy and enthusiasm can be a challenge,but having the right cheerleading fundraiser is a great start. You want to leverage their skills by giving them an exciting fundraising product to sell.

So, what cheerleading fundraising ideas will generate excitement?

In this article, we'll consider three types of cheer fundraisers. Each involves doing something a little different, each of them are easy to do, and each fundraiser packs a profit punch.

Cheer Fundraiser #1
One unique approach for a cheerleading fundraiser is offering custom posters of school sports teams or of the cheerleaders themselves.

For instance, feature the team photo of the football team, or use a series of action photos. Each can be turned into a wall-sized poster or a fundraising calendar.

Add some allure to these cheerleading fundraisers by including your game schedule or team slogan printed on it in a contrasting color.

You could also design one to celebrate your championship teams, commemorate your previous titles, intensify a cross-town rivalry, recognize all of your school's sports teams on a spirit poster, or feature the cheerleading squad in action.

Any of these items is sure to be popular with a wide range of students. Local businesses will often buy one to put in their front window. Players will want a souvenir copy suitable for end-of-season autographs. Proud parents and grandparents will want their own keepsake copy.

The posters can be sold easily at pep rallies, sporting events, through the school store, and by the cheerleaders themselves via a merchant table at a high-traffic location on a weekend.

Think of creative ways to design and market your own unique set of cheerleading posters. Consider adding merchant sponsor logos to reduce the cost. You could also cross-promote with another school on a rivalry poster and double the overall market.

Cheer Fundraiser #2
Another idea for cheerleading fundraising is selling customized Holiday Greetings CD's. This is a brochure or order-taker sale of a personalized selection of holiday music favorites.

One of the nice things about this product is that a purchaser selects their ten favorite holiday songs by checking off boxes on a list of thirty classics.

Included in the choices are favorites such as Let It Snow, White Christmas, Jingle Bells, and Have Yourself A Merry Little Christmas.

These are licensed copies of the original recordings by the original artists, assembled on a personalized CD that costs your group a mere $4 each.

A retail price of $10 coupled with the ability for the customer to order a personalized message on each copy, make these a great cheerleading fundraiser.

The CD's are available in six basic designs - Singing Snow Men, Rudolph, Christmas Tree, Peace On Earth, Kwanzaa, and Happy Hanukkah.

There is room for a holiday greeting of up to thirty characters on each design. For example, the Christmas Tree version has the phrase "Merry Christmas" in green and red, with space below it for a "From the XYZ Family" greeting.

Shipments are sorted by salesperson and customer, making your delivery a very simple task indeed.

Cheer Fundraiser #3
A third type of cheerleading fundraiser that creates an air of excitement is selling flowering "airplants."

Airplants, or more properly, Tillandsias, are unique, soil-free plants that absorb nutrients and water through their leaves. All they need is air, water, and light.

Tillandsias are attractive and fascinating members of the pineapple family (Bromeliaceae). Their native habitat is the southern United States, Mexico, and Central and South America.

Bromeliads - Tillandsias - can be placed in anything: rocks, shells, pottery, driftwood, around water fountains, fish tanks, etc. They like bright, indirect lighting, and a heavy spraying or soaking two or three times a week.

They have a growth cycle starting with one plant growing to maturity, then blooming. One to two months after the blooming has finished, new plants form around the base of the "mother" plant. Each will continue growing and reproducing if given the proper care.

A cheerleading fundraiser Airplant package consists of a beautiful example of the Bromeliad family, comfortably ensconced in a natural seashell holder.

Your group pays $3 per Airplant, including the seashell holder, shipping and handling. Each Tillandsia retails for $6, so your cheerleading fundraiser is ensured a good profit margin.

You can organize your sale as a special event or as an add-on to a regular gathering. Set up a table with your sales display and place a colorful Tillandsia poster on the wall behind to let your prospective customers see how beautiful these Airplants are in full bloom.

You can also conduct your cheerleading fundraiser as an order- taker from a sales brochure. Each brochure contains colorful pictures of these exotic, but easy to care for, plants.

Simple text explanations are included describing the simple steps involved in nourishing these fabulous specimens.

Summary
All three of these fundraising products will add some excitement to your next cheerleading fundraiser.

When all the participants are enthusiastic about offering something new and unique, it packs a powerful profit punch.

Heres to making your next cheer fundraiser a resounding success.

Cheers!

Change What You Crave By Changing How You Think: The 5 Step Mental Method

Keywords:
Diet Programs, natural weight loss, easy weight loss, help losing weight, health weight loss diet, weight loss help, best weight loss program, weight loss motivation, diets that work

If I were to ask you which foods temp you, most likely they wouldn’t be ones that are very healthy. I bet they would be ice cream, potato chips, pizza, or something along those lines. In fact, in your mind right now as you’re reading, you are probably thinking about a food that isn’t healthy. Well, aren’t you? Stop for a moment and think about it……………….. The point I’m going to make in this article is that you can change what you crave by changing how you think.

Every new client that comes to my office for weight-loss has a “craving problem.” But I don’t see it as a problem at all. I see it as a solution. Cravings are over-rated. They are hodge-podge and we don’t have to be controlled by them. We don’t have to feel temped by ice cream, cookies or 20-ounce prime ribs. Instead, we can be tempted by watermelon, pineapple, oranges or apples; foods like that. Think that sounds crazy? Well it isn’t and you’ll see why.

When I first sit down and talk with a client about their eating habits, I gather everything I need to know about exactly what they eat and how they eat. The culprit to their weight problem always boils down to snacking, picking, eating foods that are unhealthy or just plain over-eating. Then I’ll ask them what fruits and vegetables they like. I’m yet to come across someone who hates fruit or hates every vegetable under the sun. Finally I’ll ask them how often they eat fruits or vegetables and it’s always a lot less often than the unhealthy stuff.

After I’ve gathered my arsenal of information, we do our thing. I’ll have my clients lay back in my recliner and close their eyes. I’ll direct their mind to a peaceful place, and within minutes they’ll be relaxed like never before. Then I start talking about their favorite fruits and vegetables. I’ll ask them to imagine taking a bite of their favorite juicy, ripe fruit and to feel the juices tickling their taste buds. I’ll say to their mind, “from now on anytime you have a craving for food, you will think of a juicy, ripe piece of fruit. And bingo!!! Next thing you know these are exactly the kinds of foods they start desiring. Why? Because anytime you close your eyes and bring yourself to a calm, relaxed place, your subconscious mind emerges, and it is this part of the mind that controls what you crave. Change your thoughts and you’ll change what you crave. Simple.

Let’s look at this from another perspective. Let’s say pineapple is your favorite fruit. Now, if you were sitting with me right now and I gave you a juicy chunk of it, you would enjoy it thoroughly. And you’d want more, right? Of course. Now, let’s say I reached into my refrigerator, whipped-out a piece of chocolate cake and said, “choose one.” Most likely you would opt for the pineapple because you just had a teaser-piece, which would make your mind want more. The fact of the matter is this: you enjoy your favorite fruits just as much as you enjoy your favorite junk foods, you just believe otherwise.

Again, cravings are over-rated. The mere mention of that devilish word always seems to conjures-up images of high calorie, high fat foods only because these are the foods you are most exposed to in our media driven world. Your subconscious gets accustomed to this and just doesn’t know any better. Change your minds images and you’ll change your cravings. Here’s a quick 5 minute mental exercise you can begin doing now to help you start changing the way you crave food.

Step 1: Find a comfortable, quiet place where there are no distractions. Begin breathing deeply until you are quite relaxed. Next, count backwards from 10-1, slowly. With each count, imagine that your mind is drifting deeper and deeper.

Step 2: After you have finished counting, imagine that you are relaxing by yourself in your favorite place. A secluded beach or a log in the woods will do the trick. Imagine yourself feeling so very relaxed and peaceful.

Step 3: Next, imagine a basket full of your favorite fresh picked fruit sitting right next to you. See it clearly in your mind, the color, the feel, everything about that fruit. Imagine taking a bite of that juicy fruit and enjoying it like never before.

Step 4: Repeat the following suggestion to yourself 10 times: “From now on, anytime I think of eating, I immediately feel a craving for fruit.”

Step 5: Count from 1 to 5, slowly, and when you reach 5 open your eyes.

Weight Loss Diet

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Obesity is a physical state that refers to excessive body fat. Chances are you have experienced the frustrations of dieting at least once in your life, if you have problems with your weight. Close to a hundred million Americans go on a weight loss diet in any given year and up to ninety-five percent of them regain the weight they lose within five years. Worse, a third will gain back more weight than they lost, in danger of "yo-yoing" from one popular diet to another. The conventional approach to weight problems, focusing on fad weight loss diets or weight loss drugs, may leave you with just as much weight and the additional burden of ill health.

Today, an estimated sixty-five percent of all American adults are obese or overweight. Our culture obsesses about staying thin even as we grow fatter, but this isn’t about appearances. Obesity is known to be a precursor to many debilitating health conditions such as cancer, heart disease, diabetes, hypertension, osteoarthritis, and gallbladder disease. Obesity contributes to as many as 375,000 deaths every year. In addition, the public health costs for obesity are staggering. According to researchers at Harvard University, obesity is a factor in 19% of all cases of heart disease with annual health costs estimated at 30 billion dollars; it’s also a factor in 57% of diabetes cases, with health costs of $9 billion per year.

Set Realistic Goals:

No doubt you have fallen for one or more of the weight loss diet schemes over the years, promising quick and painless weight loss. Many of these quick weight loss diet programs undermine your health, cause physical discomfort, flatulence, and ultimately lead to disappointment when you start regaining weight, shortly after losing it. Fad or quick weight loss diet programs generally overstress one type of food. They contravene the fundamental principle of good nutrition - to remain healthy one must consume a balanced diet, which includes a variety of foods. Safe, healthy, and permanent weight reduction is what’s truly lost among the thousands of popular diet schemes.

Some of the weight loss diet schemes reign supreme briefly, only to fade out. While some wane from popularity due to being unproductive or unsafe, some simply lose the public's curiosity. Examples of such fad diets include the South Beach Diet, Atkins diet, the Grapefruit diet, Cabbage Soup diet, the Rotation diet, Beverly Hills diet, Breatharian, Ornish Plan – the list goes on and on. These fad diets advocate a specific technique (such as eliminating a certain food, or eating only certain combinations of foods) in conjunction with the basic idea that the body makes up the difference in energy by breaking down and utilizing some part of itself, essentially converting matter into energy. This self-cannibalism, or catabolism as it is referred, typically starts with breakdown of stored body fat.

1 Pound Of Fat = 3,500 Calories

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There are 3,500 calories in one pound of fat. Thus, if you cut back or work off just 3,500 calories, you will lose an entire pound of fat. While it is possible to cut back on your calorie intake and increase your exercise regimen in order to lose pounds quickly, it is important to note that doctors recommend that you lose no more than 2 pounds of weight per week in order to ensure that your body properly adjusts to the weight loss.

Here are some tips to help you safely drop 3,500 from your regular routine:

Run
Running for about 1 hour at a slow pace will help you lose approximately 350 calories, depending on your body type, speed and terrain. Thus, if you run for one hour five days a week while maintaining a consistent diet, you will safely lose one pound.

It is important to understand that many people who just begin running will eat pasta and other foods high in carbohydrates in order to compensate for the exertion. They think that because they worked out so hard, they deserve a treat. After all, they justify, the pasta will help to keep their energy levels high.

However, what they may not realize is that while they are justified in thinking that the carbohydrates will infuse their workout routine with energy, they are not actually setting their bodies up to lose weight. When you burn 350 calories but intake 450 over a high-carbohydrate pasta dish, you are adding more calories to your body than you otherwise would have.

Running does, however, help to boost our metabolism and change your muscle tone so that you burn calories more efficiently. Instead of inhaling a pasta dish after a run, select instead to have a large salad and splurge for the carbohydrate-rich croutons.

Eat In
When you eat out at a restaurant, not only are you subjecting your body to an array of high fat, high calorie foods, but you are also tempting yourself to eat a larger portion than you might normally eat. Therefore, what could be a simple 500 calories meal can easily turn into a 1500-calorie fat fest. In order to lose weight by cutting calories, it is essential that you are aware of exactly what you are putting into your body. Especially in the beginning of your new routine, it is important that you prepare your meals and monitor your level of hunger.

When eating out, generally you are in a social situation where food is not a priority – but spending time with your friends is. For this reason, people tend to eat more than they normally would. Non-dessert eaters often even spring for the extra round of calories. If you must eat out, help yourself avoid temptation by selecting a salad rather than a plate of pasta or burger. You will be amazed at the difference in the amount of calories you intake when you make simple choices such as meal option.

By reducing your overall calorie intake and increasing your level of physical activity, you will be able to lose those 3,500 calories without much trouble. Make sure that you stay focused, motivated and on task. You’ll shed unwanted weight in no time!

3 Choices To Help You Lose Weight

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1. The Weight Loss Patch

Perhaps the most appealing benefit of using a patch is that it is so easy to use. No pills to remember to take, no special diets, no required exercise routine. Naturally, sticking to a healthy diet and exercise program is best for your overall health, but if that is difficult for you to adhere to all of the time, the patch may be a solution that works for you.

A weight loss patch that you place on your body will deliver the active ingredients by transdermal delivery, meaning through the skin. The patch ingredients will go directly into the bloodstream, bypassing the digestive system and liver. Simply apply the patch to a smooth area of your skin and change it every 3 days. That is all of the maintenance that is required.

A patch can even be used occasionally when you are traveling and know you will be eating out a lot, or for those times you are too busy to cook the proper foods. A patch that suppresses your appetite will help you develop good eating habits that will help you maintain your ideal weight in the future ~ no more yo-yo figures.

2. Appetite Suppressant Pills

Curbing your appetite to stop the influx of calories in the first place seems to be the logical way to lose and maintain your weight. However, we are so bombarded by confusing claims everywhere for appetite suppressant pills ~ in print, on the radio, on television, even on billboards when driving, that it is difficult to know which diet pill will really help take off those pounds ~ and keep them off..

Some diet pills will cause your heart to race, your hands to shake, or an overall "wired" feeling. To avoid these problem, stay away from products that contain Ephedra, Ma Huang, and Ephedrine.

One herbal diet pill that has gotten a lot of publicity lately is Hoodia Gordonii The authentic plant comes from the Kalahari desert in South Aftrica. Respectable television shows like 60 Minutes, the Today Show, BBC, and even Oprah's "O" magazine have given it rave reviews for its fast acting appetite suppressing qualities. While it can take one to two weeks to work fully, many users report a decline in their appetite with the first pill.

In fact, Hoodia has had so many positive reports that there are now a lot of knock-off products being marketed to the uninformed ~ especially on the Internet. The real Hoodia is very rare because it takes up to 7 years for the Hoodia plant to mature to a point where it provides appetite suppressant qualities. In addition, the African government is now limiting the amount of Hoodia it exports, meaning only a few suppliers have the real thing. Because Hoodia is so rare, you can expect it to be a little more expensive than other diet pills.

Another diet pill that helps shed pounds is Herbal Phentermine. This is a non-prescription appetite suppressant that is scientifically designed to produce similar effects of a popular Rx version of phentermine.

The good news is that the Herbal version contains only natural ingredients so you don't have to be worried about side effects. Plus, you can avoid the time, expense, and embarrassment of a doctor's visit.

Herbal Phentermine will not only suppress your appetite, but it will also increase your metabolism so you burn more calories and have more energy.

3). Carbohydrate Blockers

Perhaps you prefer not to have your appetite suppressed, but instead would like to eat all of the pasta, bread, rice, and potatoes you want. If this sounds more like your style, then you might want to try a carbohydrate blocker.

Scientists have discovered, and thoroughly tested a method to allow us to eat the foods we love and not gain weight. We can now stop the normal conversion of starchy foods to sugar before it can pass through our digestive system and store as fat on our hips, thighs, buttocks and stomach. Derived from white kidney beans, the resulting carb blockers, (starch neutralizers), are a completely natural product. They work by neutralizing the Alpha amylase enzyme that digests starch.

By neutralizing this digestive enzyme, the starch from our food does not get digested. Instead, it remains intact and does not convert to sugar. It simply passes through the body undigested and acts as a fiber ~ which is a very good thing. We get more fiber going through our intestines while avoiding the conversion to sugar and the resulting fat storage ~ a definite win-win situation.

Over the past several years, there have been many positive studies to determine the effectiveness of carb blockers and their ability to help lose weight. One study was performed at the Northridge Hospital Medical Center in Los Angeles, CA, over an eight week time period.

It reported that participants saw an average weight loss of 200% more than those taking a placebo, and lost an average of 1.5 inches around their waists. This was 43 % more than those taking the placebo. Plus they reported having 13% more energy, even though it is not a stimulant.

Whether you choose patches or pills, prefer to eat starchy foods, or use carb blockers, some things to look for when buying diet products are that they:

1) Contain all natural ingredients
2) Do not have harmful side effects
3) Offer a 100% money back guarantee

3 Simple Steps To Lose Body Fat

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What Does It Take To Lose Body Fat?

To lose body fat, you need to incorporate sheer simplicity, plus ultimate science because understanding how to lose body fat comprises your awareness of BOTH concepts. Now is the time to prepare your heart and mind for non-stop challenge, consistent focus, and utmost care.

You are here seeking some viable remedy, correct? Our time together here is far more worthwhile if I just go ahead and tell you, right now, what it takes to lose body fat. In a nutshell, your biggest key is mental preparedness. Yep. That's the biggie!

As soon as you discover how to convince your mind to issue "lose body fat" commands, you are well on your way to fitness success. To lose body fat, then, is a quite simple matter. Ye, of course, the difficulty you may face lies in your initial THINKING, then the reality of DOING.

There are a few things you will have to do in order to lose body fat. If and when you are willing and ready to do these things, you are SURE to lose body fat, without question.

LONG-TERM "LOSE BODY FAT" SOLUTION

Does It Really Pay To Seek A Short Cut To Lose-Body-Fat Satisfaction?

After you spin yourself virtually all the way around in a lose-body-fat circle by asking questions from sources that either really don't know the truth, or even worse, only care to tell whatever it takes to separate you from your checkbook, credit card, or wallet -- the simplicity and long-time duality of how to lose body fat remains unchanged. Ease versus complexity... long way around versus short-cut solution.

Somebody or someone (meaning YOU) has to do the work! You want to lose body fat, that's why you're here. So, your body needs to engage required, time proven, professional principles that prove themselves for you over and again. In short, to lose body fat you clearly build independence, self-assuredness, confidence, and other lose-body-fat skills that surprisingly emanate from your mental intellectual potential rather than merely your present physical ability.

HOW TO LOSE BODY FAT - HERE IS YOUR 3-STEP CURE

Simply do these three things to lose body fat:

ONE: Once and for all, learn how to find out your daily caloric consumption AND your energy expenditure numbers. Both of these numbers are absolutely crucial because they tell you exactly what your body is doing, right down to the very calorie. Once this calculation process becomes second nature to you, full control of the amount of body fat you carry lay right in the palms of your very hands.

In other words, you can shape your "lose-body-fat" fortune and alter your lean body appearance almost exactly how you want it to be.

TWO: Work out for the most part, using much more drive and intensity than you ever have before in your entire life! I say this to you primarily because of 1) remotely conscious human tendencies that we all have toward relaxation and taking the easy way out of a challenging situation rather than facing and conquering its root cause, plus 2) endorsed exercise science knowledge says that performing at higher thresholds gives you life-extending benefits and burns higher amounts of calories from excess body fat. So, to enormously yet safely lose body fat, begin to train yourself towards high intensity interval exercise.

You may burn twice as many calories as you did before, plus feel better and look better, too.

THREE: Lastly, know that the entire weight-loss-lose-body-fat scenario revolves around one, vital and never-changing concept: Being overweight, thus, needing to lose body fat, remains a direct result of eating too much food and not getting enough exercise. Now, with this last one, allow me to isolate your biggest probable obstacle. The number one problem is that you hear this very same lose-body-fat news so much and so often that your brain instantly goes into SHUT-DOWN or shut-off mode. That is, the tendency to assume the "I've Been There Before, Heard It All Before, Done It All Before, and It Never Works for Me" syndrome kicks in immediately.

The solution? Put on some new "lose body fat" ears today, starting right now. Allow yourself to hear the deeper gist this message carries. Cease to dismiss the seemingly small yet crucial matters that make the difference between your continued frustration and your lose body fat reward.

If you need any kind of help whatsoever, just contact us because 1) we care, and 2) lose-body-fat assistance online is both professional and affordable. So, don't worry yourself about spending lots of money to lose body fat.

Understanding the true meaning of what it takes to lose body fat requires acceptance, open ears, and action. So, learn your personalized details, do the required work, plus know confidently and securely almost all about what it takes to lose body fat.

5 Best Ways To Lose Weight

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When you are dealing with a phenomenon as diverse as human beings, it is very difficult to create rules which will work equally well for everyone. Nevertheless, there are some characteristics shared by all human beings, and this means that some basic principles can be developed. Here are five proven techniques to help you lose weight.

Best Way 1
The most fundamental strategy of successful weight loss is to burn more calories than you take in. You shouldn't find it difficult to apply this in some aspect of your life. Adjust your diet by cutting down on high fat food, and take some simple exercise for twenty minutes, three times a week. Going for a brisk walk instead of driving everywhere will have the desired effect, as will gentle jogging or swimming.

Best Way 2
Gym membership is becoming increasingly popular, and, as long the exercise you do is well planned, it can be extremely beneficial. Aerobic exercise has to be the focal point of your plan, otherwise you could do more harm than good. Provided you adhere to this basic rule, some anaerobic weight or resistance training can help tone up your body. This will give you more strength and vitality, and should increase your confidence.

Best Way 3
Going to see a professional nutritionist or dietician can pay off handsomely. If you go it alone, you will need to put in some serious research to make sure you are genuinely eating healthily, and many who try this find themselves discouraged by the lack of variety in their diet. It certainly doesn't have to be that way, as there are plenty of different healthy meals which help you lose weight. Getting the advice of a professional can make the task of losing weight seem so much more enjoyable!

Best Way 4
Find a friend to train with. If you and a friend are both regularly free at the same time of day, it can make sense to train together. Having someone to help you through the times when you don't seem to be getting anywhere can keep you in the game until the improvement suddenly appears. Having a social aspect to your exercise will help you look forward to it, and make you more likely to stick to it!

Best Way 5
Eat less food more often. Many medical practitioners now recommend eating more meals a day, with less food at each one. This is a more balanced way to take food into the body, spreading the load on the body over a far wider period of time. The system of eating three meals a day is designed far more to fit in with the working day than it is to fit in with the needs of the human body. When you eat less more often, the body absorbs more of the nutrients in the food, so your body craves fewer calories.

The best and most effective method for weight loss does depend on the individual, but follow these time tested principles and you will see results. Click the links below to discover some effective resources to help you.

5 Easy Ways to Boost Your Metabolism

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#1 Don’t Skip Breakfast

The morning meal jump starts your metabolism and helps to prevent bingeing later in the day. A cup of coffee does not count – the caffeine and added sugar may give you a bit of energy and suppress your appetite for a little while it is sure to back fire into severe hunger and you will be more likely to overeat later. Breakfast should include complex carbohydrates like whole grain (granola or oatmeal), along with some protein and fat (low-fat yogurt or milk), will keep your energy levels even and hunger in check.

#2 Eat more often

Get into the habit of eating every three to four hours or at least four times a day. Eating frequently stabilizes blood sugar, when blood sugar drops too low you want to eat…a lot. By keeping your blood sugar stable you can control your appetite and keep you metabolic rate high. When you go many hours without eating your body will compensate by slowing down to conserve energy…this effect hurts your weight loss efforts.

#3 Eat protein at every meal

Protein will help to reduce your appetite, it takes more energy and time to digest, in effect you feel full longer than eating carbohydrates alone. Research shows that eating more protein can help you lose weight without cutting calories. Try these protein possibilities: turkey on whole wheat; hummus and pita; vegetarian chili; fruit and nuts; or protein snack bars that contain 12 or more grams of protein.

#4 Hold off on snacking

Many of us grab a snack for quick energy when we are feeling tired. But do not confuse true hunger with fatigue. If you are feeling tired go for a 15-20 minute brisk walk. This will raise your heart rate and give you a boost of energy. Follow it up with a large glass of cool water. If you are truly hungry have a protein and complex carbohydrate rich snack like; whole wheat crackers and peanut butter or cheese.

#5 Consume enough for your body’s needs

Eating too little slows your body’s metabolism the same way eating to infrequently does. If you want to lose weight, do not slash your calories too drastically. Instead, cut out some of the extras in your diet – things like soda, juice, packaged goods or candy. Processed foods tend to be high in fat and calories and low in vitamins, minerals and fiber.

5 Fun Ways to Get In Shape

The market is saturated with low-fat, low-carb and sugar-free foods. But despite the popular diets, "magical" pills and the latest, greatest fitness machines that all promise to melt away the pounds, more than half of American adults are overweight.

For true weight-loss success, health experts stress the importance of changing your lifestyle for the long term and exercising regularly. Here are some creative ways to make fitness fun again and help you win the battle of the bulge once and for all.

* Take "healthy" vacations. Make fitness part of your travels. Head to a spa where, along with a little pampering, you can enjoy hiking, rock climbing, kickboxing, aqua aerobics and yoga.

* Walk or run for a good cause. Training for a 5K charity walk, for example, may be all the motivation you need to get started on a regular fitness routine. Best of all, you'll be helping your favorite charity accomplish its goals.

* Dance. Join a ballroom or hip-hop dancing class. It's a great way to shed the pounds, learn how to dance and have fun.

* Strip the weight away. New DVDs featuring Carmen Electra help you spice up your regular workout routine and provide a fun new way to tone your body right in the comfort of your own living room.

"Carmen Electra's Aerobic Striptease" and "Carmen Electra's Aerobic Striptease - Fit to Strip" are fast becoming wildly popular. With the help of fitness experts, Electra teaches viewers how to trim down with high- and low-impact dance and fitness techniques. The strengthening moves are designed to help tone the hips, thighs, buns and abs. The DVDs' special features include a pop-up video display with workout tips and a customizable music track.

* Do Pilates. Find out what makes Pilates the workout of choice for countless celebrities, and why your gym's Pilates classes are always full. The "MTV: Pilates Mix" DVD, hosted by renowned Pilates and yoga instructor Kristin McGee, is perfect for those who want to add a more cutting-edge beat to their workout. The DVD features two half-hour workout sessions that focus on toning the arms, legs and abs, with a music mix that motivates you to get up and work out.