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ETR: Should You Write a Book?

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September 30, 2009 - Issue #2779

The Most Valuable Skill Several Early to Risers have written in recently about an idea I have proposed many times -- that if you want to be very successful in your career, you need to develop a financially valuable skill. What they want to know is this: Of the many financially valuable skills, which is the most financially valuable? That's easy. It's the skill of selling. Perhaps you're hesitant because you don't think you'd be good at it. But keep in mind that your prospect wants to be sold. So long as you are showing him how your product can help him achieve his goals or solve his problems, he will be prejudiced in your favor. You lose his interest when you start talking about other things -- your goals and problems, for example, or product features that don't concern him. Begin by finding out what he wants and needs. And then (if and only if you can really help him) make the strongest, most specific case you can for your product For more information on how to become a selling expert, see Chapter 4 of Ready, Fire, Aim and Chapter 5 of Automatic Wealth for Grads. In today's issue, Bob Bly tackles the world of e-book publishing. And I talk about: Wealthy: Look who's holding the bag Healthy: You'll just feel a slight pinch... Wise: Dealing with professionals ---------------------------------------------- Highly Recommended ---------------------------------------------------- "This year, I claimed $134,408 on my income tax return -- all from copywriting!" - What do a retired engineer, a ballroom dance instructor, and a grocery store clerk have in common? They made more money than they ever had before within months of finding out they could write sales letters. And they did it while working less than they ever had. Hear their amazing stories here... --------------------------------------------------------------------------------------------------------------------------- "In this country, you can say aloud or publish just about anything you like." William Greider Should You Write a Book? By Bob Bly To promote herself and her business, JL wants to write a book. But she isn't quite sure how to get her book into print. "It feels like getting a book published is challenging," she writes. "Would it not be easier to self-publish?" Others have asked me the same question over the years. "What's better?" an interviewer asked me just the other day. "Self-publishing or traditional publishing?" It's the wrong question. Self-publishing is not inherently better than traditional publishing. Nor is the reverse true. Actually, there are three basic options: traditional publishing, self-publishing, and electronic publishing. And the choice of which is right for you depends on your reasons for writing a book in the first place. Option #1. Traditional publishing Of the three options, selling your book to a mainstream publisher is the most prestigious. So when you want to write a book to help establish yourself as an expert in your field, that is often the best option. Most stock market newsletter editors, for example, write at least one book for a mainstream publishing house. Reason: It adds to their credibility, helping them sell subscriptions. The drawbacks of going with a mainstream publisher are twofold. First, book publishers are notoriously lousy at marketing, so your book may not sell very many copies. Second, you earn only a small royalty -- on average, 10 percent or less -- for each copy sold. Option 2. Self-publishing a physical book Self-publishing your book as a paperback or hardcover makes sense when you want to use it as a marketing tool. As information marketing pioneer Jeffrey Lant says, "A book is a brochure that will never be thrown away." Professional speakers, for example, typically send a free copy of their book, along with their sales materials, to every potential client. The more professionally written, designed, and printed it is, the more impressed your prospects will be. Ideally, your self-published book should look no different than hardcovers or trade paperbacks from major publishers. When you buy your own book from a traditional publisher, you get a 50 percent author's discount. With self-publishing, your cost per copy is much less. As a result, authors who give away a lot of their books can save a lot of money with self-publishing. Option 3. Self-publishing your book as an e-book Self-publishing your book as a downloadable PDF file -- an "e-book" -- is the clear choice when you want to (a) sell your book on the Internet and (b) maximize your profits. Why are e-books so profitable? For one thing, you can charge more money for less content than you can with a regular book. Most traditionally published business books are at least 200 pages -- around 80,000 words. They sell for at least $15 in paperback or $20 in hardcover. For an e-book, you can charge anywhere from $29 to $49 per copy. More if it is on a specialized topic. And although length varies, a $29 e-book can be only 50 pages -- about 15,000 words. That means it costs as much as -- or more than -- a paperback or hardcover containing only one-fifth the text. Plus, you deliver an e-book to the buyer over the Internet as a PDF file. There are no printing, storage, fulfillment, or shipping costs, so your profit margin on each sale is extremely high. By comparison, authors who publish with mainstream publishers get a royalty averaging 10 percent of the book's cover price. The margin in self-publishing physical books is usually about 50 percent. But with e-books, the margin can be close to 100 percent. Option 4. Traditional publishing/self-publishing Some online marketers, including Michael Masterson, take advantage of a fourth option. They sell their books to a mainstream publishing house for bookstore distribution. But they retain the right to sell the content as physical books or e-books -- or both -- to their own customer lists. "In golf, there's an old saying," says Michael. "You drive for show and putt for dough. Trade book publishing is driving. Direct marketing to your list is putting." In my ETR home study course, the Internet Cash Generator, I share a simple yet proven process for publishing and selling e-books online. It has worked for me, generating a passive Internet income of more than a thousand dollars a day. For more information, click here now. [Ed. Note: Bob Bly is a freelance copywriter and the author of more than 70 books. To subscribe to his free e-zine, The Direct Response Letter, and claim your free gift worth $116, click here now: www.bly.com/reports] ----------------------------------------------Highly Recommended --------------------------------------------------- Luxury Vacations "on the House"- Okay, so you still have to pay for the flight. But you could stay at a beachfront mansion in Maui that usually rents for $1,500+ a week ... for $0. That's right. Zero, zip, nada, FREE! Stay a week. A month. Or a year (or more). Ka-Ching Editor Matthew Adams can show you how... --------------------------------------------------------------------------------------------------------------------------- More wealth, health, and wisdom from Masterson... Ever since "Cash for Clunkers" was announced, I've said it wouldn't work. And when the government said it was a success (and the mainstream media parroted that view), I didn't change my mind. Yes, auto sales jumped during the program. But that reduces future demand for new cars. Time will tell how much. The immediate concern, says Investor's Daily Edge Investment Director Bob Irish, is the effect it's had on dealers. Turns out 60,000 or 70,000 rebates have been rejected. The $3,500 to $4,500 credits were already knocked off the sales price, but the claims were denied by the Fed. Denials caused by simple clerical errors can be fixed. But if a denial is upheld, the dealer will have to absorb the loss. For businesses already operating on the edge, too many denials could shut them down. Here's something to keep in mind when you meet with a professional -- an attorney, accountant, broker, doctor, etc. The practicing professional, like all businesspeople, has two jobs: To provide a service To sell that service Your job, as a consumer, is twofold: To evaluate how good his service will be To make a buying decision that is best for you, not him To accomplish your goal, go into introductory meetings with specific objectives in mind. To evaluate the quality of his services, bring a list of questions to ask him. Prepare that list by talking to friends and colleagues and by researching articles about what to expect. If the meeting will be an hour long, spend two hours preparing for it. If the professional is really good at what he does, his answers will impress you. But resist the urge to make an immediate decision. At the end of the meeting, thank him for his time and tell him that you will be sending him a memo responding to what he has told you. Go home and review your notes. (Did I mention that you should take notes?) If you are happy with his answers and suggestions -- and you have a good gut feeling about his character -- write a memo outlining the benefits and services you want him to provide. Be specific. And tell him what you don't want, too. At the end of the memo, ask for a written proposal. (When you receive his proposal, you can call or write him back to negotiate a better rate.) Send the memo within 48 hours, while the details of the meeting are fresh in your mind. Don't try to make him like you. Don't try to be his friend. Don't allow him to use his expertise to humble you. He is going to be working for you. You are in charge of the relationship, not him. Prescription anti-depressants have been linked to birth defects, suicide, and violence. "So why take the chance?" asks Total Health Breakthrough's Melanie Segala. Especially when there are so many natural therapies that can help. Take acupuncture. In a review of 35 studies, researchers from the University of Hong Kong found: Acupuncture was just as effective as anti-depressants in improving the symptoms of major depression. In people with post-stroke depression, acupuncture was better at improving symptoms. With acupuncture, the incidence of adverse events was much lower than with anti-depressants. Pretty convincing evidence, in my opinion. So if your doctor tries to give you pills, try acupuncture instead. There is a way to get the same results as acupuncture -- without the needles. In fact, you can do it yourself, relieving pain and stress while improving your well-being. Check it out here. --------------------------------------------------------------------------------------------------------------------------- "You are right on." "Thank you for the good basic information in [Rich Schefren's article]. It is one thing to be a hard worker, but another to be working hard and passionately! "I love your information, and think you are right on." Marilyn Sindelar ---------------------------------------------- Highly Recommended --------------------------------------------------- Increase Your Wealth by Managing Risk Like the Pros Do - You can't take all the risk out of investing. But you can take much of it away. More important, you can remove the worst aspects of risk -- the ones that cause fear and result in bad investment decisions. ETR'S own Charles Newcastle has developed a quick and simple four-step "risk removal" system that could bring you 132%+ gains in a matter of weeks. --------------------------------------------------------------------------------------------------------------------------- Today's Words That Work: Inherent An inherent (in-HERE-unt) quality, attribute, or characteristic is one that is permanent -- inseparably attached or connected. The word is derived from the Latin for "to stick." Example (as used by Bob Bly today): "Self-publishing is not inherently better than traditional publishing. Nor is the reverse true." --------------------------------------------------------------------------------------------------------------------------- We want your feedback! Let us know your thoughts on today's issue. Email us at: AskETR@ETRFeedback.com

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Copyright © 2009 Early to Rise, LLC. NOTE: If URLs do not appear as live links in your e-mail program, please cut and paste the full URL into the location or address field of your browser. Disclaimer: Early to Rise only recommends products that we've either personally checked out ourselves, or that come from people we know and trust. For doing so, we receive a commission. We will never recommend any product that does not have a 100% money-back satisfaction guarantee. Nothing in this e-mail should be considered personalized Financial Advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized Financial Advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. To unsubscribe from Early to Rise and any associated external offers, Click here. To contact us, please visit... http://www.supportatetr.com/helpdesk To cancel or for any other subscription issues, write us at: Order Processing Center Attn: Customer Service PO Box 7835 Delray Beach, Florida 33482

Stress relief at the push of a button

Experts now worry economic troubles can lead to health problems -- reveal plan to prevent them! Dear Early to Rise Reader - You've probably been affected by the current economic news more than you realize. No, I'm not talking about your finances - I'm talking about your health. Pick up the paper... Watch the network news... Check out your favorite blogs... All you see is the same thing over and over again... Stress-inducing bad news! And now, study after study is actually documenting how stress is literally killing us. Well, thanks to Bill Harris, you don't have to suffer the ill health effects of today's killer stress.  Bill is one of the top personal growth teachers in the world.  He's also the owner of Centerpointe and creator of Holosync Audio Technology.  At the push of a button, Holosync puts you into deep states of meditation. (In fact, even deeper than those achieved by veteran Zen Monks.) Instead of waiting through years of hard practice... You can now start enjoying and profiting from all the recognized health benefits of deep meditation beginning the very first day you use it. Here's a "taste" of what Bill says Holosync can do for you... 1)  It can allow you to effortlessly reach states of super-deep meditation... Even the very first time you use it... 2)  It can dramatically accelerate your mental, emotional, and spiritual growth, giving you the results you always THOUGHT you were supposed to get from meditation (but, if you're like most people, never really got)... 3)  It helps heal emotional traumas and self-imposed limitations forever... Even for people who have been unsuccessful with other methods... 4)  It may actually slow the aging process... (by stimulating the production of many neurochemicals and other substances in the body that are associated with longevity, well-being, and better health...) 5)  It can dramatically raise your threshold for stress...  It can cause stress-induced dysfunctional feelings and behaviors (including anger, depression, fear, anxiety, substance abuse, and many others) to fall away... 6)  It can increase your self-awareness, inner peace, and happiness... As well as your ability to connect with other people and create successful relationships. Frankly, this alone is a pretty good reason to try The Holosync Solution.  But when you add in the fact Bill will send you a no-charge demo CD... So you can see for yourself how great Holosync works... It should make the decision a "no-brainer."  There's no risk to check it out. I know you'll be glad you did. Remember, you can get a FREE Holosync demo CD, a FREE Special Report, and a special offer to try The Holosync Solution program, at no risk, right here. Or, call Centerpointe at 1-800-945-2741 or 503-672-7117. Ask for Operator ETR108. Then ask for your FREE demo CD and FREE Special Report. Sincerely, Charlie Byrne Associate Publisher, Early to Rise P.S. There's no risk to you to try the Holosync Solution. The demo CD and Bill Harris' Special Report are free. And the program itself has a one-year money-back guarantee, if you decide to try it. Click here to find out more.         You are receiving this e-mail as a part of your subscription to Early to Rise. Nothing in this e-mail should be considered personalized financial advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized financial advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. _____ To unsubscribe from Early to Rise and any associated external offers, Click here To cancel or for any other subscription issues, write us at: Order Processing Center Attn: Customer Service PO Box 7835 Delray Beach, Florida 33482

ETR: The One Thing in Life You Can Count On

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September 29, 2009 - Issue #2778

Do You Really Need Bean Counters? "What's that guy do for you?" My physical therapist asked, referring to a senior executive with one of the companies I consult for. "He's a CFO," I said. "A bean counter?" "The main bean counter." "He seems sort of straight-laced and stubborn," he said. "He is," I said. "And for a man in his job, that's a positive." I explained that every business needs an assortment of personalities. You need a thinker to conjure up product and marketing ideas, a marketer to make sales, and a pusher to get everything moving. But thinkers, marketers, and pushers tend to be bullish by nature. They need someone to hold them back a little, especially during times like these. That's the bean counter -- the kind of guy who can stand up to them and say, "We are spending too much" or "We have to look at this from a cost/benefit perspective." In today's main essay, Robert Ringer talks about the one constant force in our lives ... and how to deal with it. And I talk about: Wealthy: What's hot Healthy: The deadly daily regimen Wise: My faux pas ---------------------------------------------- Highly Recommended ---------------------------------------------------- Your Website Is the Crossroads of the World - Imagine if you could open up a store in the "Times Square of the Internet." But instead of the 26 million people a year who pass through Times Square, you got 91 million "passersby" -- every day! It's easy (and cheap) to do. And with Bob Bly's help, you could see income from it in just a few weeks. Read more... --------------------------------------------------------------------------------------------------------------------------- "Action and reaction, ebb and flow, trial and error, change -- this is the rhythm of living. Out of our over-confidence, fear; out of our fear, clearer vision, fresh hope. And out of hope, progress." Bruce Barton Constant Change By Robert Ringer David Carradine. Ed McMahon. Farrah Fawcett. Michael Jackson. Billy Mays. Karl Malden. Steve McNair. The Grim Reaper is on a roll. What might the deaths of these high-profile people have in common with the likes of Gary Hart, Gary Condit, Jim McGreevey, Mark Sanford, and John Edwards, among others? Or how about Lyndon Johnson, Spiro Agnew, and Richard Nixon? Or G. Gordon Liddy, Oliver North, Mark Fuhrman, Wayne (Dog) Chapman, and Don King? Answer: Things change! We do not live in a static universe. Nor do people or situations remain at a standstill on our little speck of cosmic dust. Mountains erode. Riverbeds dry up. Technology moves forward. The economy fluctuates. Even laws change. Who could have predicted that the celebrities I listed in the first paragraph of this article would all be gone within a one-month period? Or how their departures would change the lives of those they left behind? Gary Hart is long gone from the political scene, forsaking his frontrunner position as the Democratic presidential nominee for fun and games with a good looker named Donna Rice. That opened the door for Michael Dukakis to become the party's nominee in 1988. Things change. Some 20 years later, John Edwards in Hart's footsteps with ex-party-gal Lisa Druck (the "director" and "camerawoman" extraordinaire who decided, one day, that it would be cool to transform herself into "Rielle Hunter"). Things change. Following in Edwards's footsteps was Mark Sanford, governor of South Carolina, one of the favorites for the Republican presidential nomination in 2012. Who benefits? Try Mitt Romney. Things change. Let's go back to the 60s... Following his loss to John F. Kennedy, Richard Nixon turned right around and ran for governor of California in 1962 as a sort of consolation prize for his failed presidential bid. Only one problem: He lost! That's when he delivered his famous "You won't have Richard Nixon to kick around anymore" speech. Finally, the Nixon era had come to an end. Things change. Hold it. Not so fast. On March 31, 1968, President Lyndon B. Johnson stunned the nation when he went on national television and, almost casually, said, "I shall not seek, and I will not accept, the nomination of my party for another term as your president." Which cleared the playing field for Bobby Kennedy to grab the Democratic Party's nomination in 1968. Things change. But a not-so-funny thing happened on the way to the election: Bobby was assassinated. And that, in turn, cleared the playing field for -- Yikes, back from the dead! -- Richard Nixon. Things change. Nixon's election to the presidency led to the rise and fall of Spiro Agnew, Watergate, and a third-stringer named Gerald Ford. Ford lasted only a few years, but just for being an accident of history, he became rich and famous. Who ever said life was supposed to be fair? Things change. And let's not forget how Watergate catapulted a whole cast of previously unknown characters onto the national stage -- Chuck Colson, G. Gordon Liddy, and John Dean, for example. Colson has become famous for his Prison Fellowship Ministries. Liddy has hosted his own radio show for years. And John Dean still pops up periodically as a television guest and college-campus speaker. Things change. And where would Oliver North and Mark Fuhrman be today had they not been thrust into the limelight through accidents of history? North's Iran-Contra conviction was ultimately reversed on a technicality. And Fuhrman, though convicted, never had to do jail time. But these men used their unexpected fame as a launching pad to stardom. Things change. Of course, they had nothing on Wayne (Dog) Chapman and Don King, both of whom were convicted of murder (though King's charge was later reduced to manslaughter) and opportunistic enough to use their infamy to become wealthy celebrities. Dog, in fact, is so cunning that he was able to hold on to his celebrity even after being recorded using the dreaded "N" word in a telephone conversation with his son. Things change. Which brings us to Sarah Palin. From out of nowhere, John McCain picked Palin, a complete unknown, as his running mate in the 2008 presidential election. Suddenly, a star was born! Things change. Then, on the evening of July 3, 2009, Palin did her version of LBJ's 1968 surprise announcement by informing the world that she was resigning as governor of Alaska. Her inexplicable action registered 8.4 on the political Richter Scale. Following on the heels of Mark Sanford's demise, Mitt Romney must have felt as though he had won the lottery. Zap! Just like that, most of the competition was gone! Things change. The list is of epic changes is endless... In the 1940s, the invention of the modern air conditioner becomes the catalyst for a population explosion in the unbearably hot South and Southwest. Fifty years ago, cash begins giving way to credit cards. Today, credit cards are giving way to bank debit cards. Pay phones (remember them?) give way to cellphones. In 1980, the major television networks are caught off guard by an upstart cable TV station called CNN. Sixteen years later, CNN is overwhelmed by its ideological opposite, Fox News. In 1995, a kid from Albuquerque puts his Internet bookselling idea into practice, calls it Amazon.com, and ends up dictating the business strategy of Borders and Barnes & Noble for years to come. A few years later, two other kids start a little search-engine company called Google, which becomes the first serious challenge to Microsoft's overall dominance. Facebook... MySpace... Twitter. What's next? Things change. All of the above comprise but a tiny sampling of some of the major changes that have taken place fairly recently. If someone were ambitious enough, he might spend a few years putting together a book -- a very large book -- on all the major changes that have rocked the world over, say, the past 100 years. But you don't need to read such a book to reflect on what change means to you. I've given it a lot of thought over the years, and my conclusions boil down to this: 1. Life does not stand still. Count on it. Never carve your plans in stone. Strive to make flexibility an integral part of your being. 2. Rather than fearing change, think of it as an exciting aspect of being alive. Sometimes the unknown disappoints -- even devastates -- when it makes its appearance. But more often than not, it brings with it incredible opportunities. Practice expanding your mind to be on the alert for the offsetting positive in every negative situation. 3. Fight the numbing effects of homeostasis -- the tendency to maintain the status quo. Hanging on to yesterday's reality is psychologically unhealthy and can cause you to be out of touch with today's reality. Yesterday is a cancelled check. Tomorrow is a postdated check. But today is cash. 4. Keep moving forward. Action is the oxygen of success. You have to keep hitting those singles and doubles to stay in the game of life. Because if you're at bat long enough, that perfect pitch eventually will come across the plate. And that's when you have to be ready to hit it out of the park. Simplistic. But it works for me. Just realize that the way you view change will have a dramatic impact on the decisions you make, the quality of your life, and your future success (or failure). Things change. Think about it. [Ed. Note: To learn how to survive and prosper during the turbulent years ahead, check out Robert Ringer's powerful audio series Succeeding in a World of Chaos. And be sure to sign up for a FREE subscription to his one-of-a-kind e-letter A Voice of Sanity in an Insane World.] ----------------------------------------------Highly Recommended --------------------------------------------------- "But E-Mail Marketing Bothers People, Right?" - Wrong, says Internet Rant Editor David Cross. As he learned from Michael Masterson, the best time to send an e-mail to a new customer is right after they buy from you. And not some random "How are you?" e-mail. You make a very specific offer. One of David's clients did just this... and doubled their sales in months. Read more... --------------------------------------------------------------------------------------------------------------------------- More wealth, health, and wisdom from Masterson... When they're hot, they're hot. And I'm talking about buying trends, not supermodels. Every industry experiences swells of irrational consumer consumption. Irrational in the sense that the buying is bigger and faster than supply and demand fundamentals suggest it should be. Smart marketers are always on the lookout for such trends. They know they can profit greatly if they get into one early in its cycle. Right now, for example, currency trading is hot among buyers of investment advice. In the natural health market, consumers are gobbling up rejuvenation products. In the information industry, trends are commonplace. Before one hot idea cools, another one is heating up. Some information trends last two or three years. Many emerge and recede in just a few months. That's why it's so important for your marketing team to be alert to market action. And for your production team to be geared up for speed. When you identify a swell, test the waters as soon as possible. The fastest way to do that is with a quick-and-dirty, low-priced special report. If that floats, jump on it with a more substantial product and promotion. The goal is to ride the crest until it crashes. One of my clients developed a system for profiting from short-term information trends. They call it swarming. Simplified, it means getting their best copywriters and editors working together the moment a trend is confirmed. During the "swarming time," they produce as many as a dozen products and promotions on the hot topic. And they fractionalize those by testing a variety of prices, product types, and offers. The idea is to attack the opportunity with intensity and conviction. Short-term trends won't wait for you to move cautiously. Ready-Fire-Aim is the modus operandi. I dashed off a memo to three of the copywriters I had been mentoring. I congratulated them on the progress they had made, and told them how I'd like to see them working to improve the profitability of their company. As soon as I sent the message, I realized their boss would be upset with me for talking about these things with his people directly. He likes to maintain a high level of control. And he's built a very successful business that way -- a Stage Three business. (By Stage Three, I mean a business that has reached $10 million in annual revenues.) But the business is stalled. To grow it bigger, he needs to let up on the reins and give his people more independence. As expected, he chastised me for not talking to him first. I apologized for breaking protocol. But then I pointed out, "I find it interesting that your first reaction was to worry about losing control instead of being excited about the progress your people are making." In my book Ready, Fire, Aim, I explain that a primary obstacle facing the Stage Three CEO is the need to break up imbedded bureaucracy in the business. You can't do that if you want to manage everything. The companies that manufacture aspirin convinced us that it should be taken every day to prevent heart attack. Well, guess what? They're wrong. Big time. According to Dr. Al Sears, aspirin has no effect on preventing heart attacks. Or strokes. Even worse, he tells us, a new study by Scottish researchers found that daily aspirin use increases the risk of: Gastrointestinal bleeding Stroke Major abdominal bleeding Ulcers Cataracts Pancreatic cancer Kidney failure Fortunately, there are natural alternatives. White willow bark, for instance, has been around for thousands of years. Ancient Egyptians took advantage of its anti-inflammatory power. And Hippocrates, the father of medicine, had his patients chew it to reduce fever. Consider the wisdom of our ancestors before taking your next aspirin. --------------------------------------------------------------------------------------------------------------------------- "One of your very best issues." "I think this was one of your very best issues. Period. Exclamation Point. "Thanks for all you're doing!" Paul Arneson ---------------------------------------------- *Advertisement* --------------------------------------------------- Don't Make a Trade Until the Market "Tells" You - His software applications and trading books are required tools on Wall Street. And now his new program for private investors, which detects "hidden" market signals, has just been released. One of the first people he trained in his method recently made $37,948 in just a few days. And he's got only 89 spots left... --------------------------------------------------------------------------------------------------------------------------- Today's Words That Work: Limelight Limelight was an early type of lighting used to illuminate a stage. The light was created by using a flame to heat a cylinder of lime to incandescence, and then intensifying the light with a lens. These days, we use the word metaphorically to mean the center of attention. Example (as used by Robert Ringer today): "Where would Oliver North and Mark Fuhrman be today had they not been thrust into the limelight through accidents of history?" --------------------------------------------------------------------------------------------------------------------------- We want your feedback! Let us know your thoughts on today's issue. Email us at: AskETR@ETRFeedback.com

Whitelist Our Email | Click Here to Unsubscribe | Customer Service | Feed Back

Copyright © 2009 Early to Rise, LLC. NOTE: If URLs do not appear as live links in your e-mail program, please cut and paste the full URL into the location or address field of your browser. Disclaimer: Early to Rise only recommends products that we've either personally checked out ourselves, or that come from people we know and trust. For doing so, we receive a commission. We will never recommend any product that does not have a 100% money-back satisfaction guarantee. Nothing in this e-mail should be considered personalized Financial Advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized Financial Advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. To unsubscribe from Early to Rise and any associated external offers, Click here. To contact us, please visit... http://www.supportatetr.com/helpdesk To cancel or for any other subscription issues, write us at: Order Processing Center Attn: Customer Service PO Box 7835 Delray Beach, Florida 33482

ETR: Does Your Business Have This Fatal Flaw?

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September 28, 2009 - Issue #2777

Constant Change... Selling Sizzle... What You Can Learn From Total Strangers... and Much, Much More In Early to Rise this week, we have a group of essays that will help you jumpstart your response rates with "classic" direct-marketing techniques, network effectively and with purpose, and avoid the next Internet meltdown. From Brian Tracy, you'll learn about the "Butterfly Effect," and how you can use it to guide some of the major decisions in your life. As Brian explains, casual acquaintances can have more of an influence on your life than close friends and family. Bob Bly will help you navigate the perilous world of book publishing. He outlines four options for releasing your work. And tells you which is best for your purposes. Robert Ringer reminds us that nothing in this world is constant. We can never change that fact. But we can change the way we deal with it. John Wood tells the story of the Pioneer of Persuasion, and gives us five of his most powerful marketing techniques. This stuff was working a hundred years ago ... and it still works. Today, I point out the fatal flaw in many Internet marketing businesses. And I show you what you need to know to survive the current and accelerating "deflation" of the Internet bubble. (Don't wait to learn these skills until it's too late to save your business.) Also in this issue: Wealthy: Investing in classics Healthy: More reasons to get into the mood Wise: What you can learn from the greasy spoon down the street ---------------------------------------------- Highly Recommended ---------------------------------------------------- The Perfect Business Literally in Your Pocket - Flick through a set of simple 1-2-3 instructions. Follow them. (Should take about 20 minutes.) The next conversation you have, simply say the "Magic Words" per the instructions. The next thing you know... --------------------------------------------------------------------------------------------------------------------------- "The highest form of ignorance is when you reject something you don't know anything about." Wayne Dyer Learn Direct Marketing Now or Perish! By Michael Masterson The other day I saw an ad one of my clients had posted on the Internet. The copy was weak. It lacked an "Aha!" idea. It was balanced on two rather than four legs. Its lead was wrongheaded, it had insufficient substantiation, and no social proof. I mentioned this to my client's marketing exec. "I agree. It's not very strong," she said. "But it has been doing very well." "That's interesting," I replied. "Can I see the test results?" "We didn't test it," she said. "But the numbers are better than those we usually get for this advertising slot." Coming to the conclusion that copy was "working" without having tested it indicates a complete lack of understanding of the basics of our business. Unless you have completed a valid split test and received statistically reliable results, you don't have any idea whether the copy worked or didn't work. All you know is that the offer did better than other offers in the same spot. If this were the only time I'd encountered this error I wouldn't be writing about it today. But I have seen it a hundred times. A Little Knowledge Is a Very Dangerous Thing This kind of mistake is amazingly common, because nine out of 10 Internet marketers don't know the first thing about the science of direct marketing. The wonderful thing about direct marketing is that you can precisely measure response and predict -- with statistical certainty -- the outcome of your future efforts. The Internet has made testing much easier and quicker. And that is one reason why Internet marketing is perfect for direct-response marketers. But the Internet is also the reason why there is so much ignorance out there about how our business really works. And that is why, if you don't truly know the game, your business is in jeopardy. Let me explain. The Illusion of Temporary Success The Internet was such a hot medium for nearly a decade that almost anybody who stuck their hand into the World Wide Web bowl came out with a golden apple. Some of us who were already direct-mail pros when the boom began in 1999 saw the remarkable results and jumped in. Others hesitated. Perhaps it was because the numbers looked "too good to be true." Those of us who went forward didn't yet understand much about the technical aspects of marketing on the Net. We left that to young people who were already modestly Internet savvy. They knew how to "surf the Web." They were smart. So we hired them. We created the products and wrote the promotional copy. And they posted our copy on websites and created lists of e-mail addresses to send it to. Everything worked. We were happy. Many of those youngsters eventually went out on their own. They went out into the virtual world and sold themselves as marketing experts. That seemed odd to us, because they didn't seem to know anything about direct-response marketing. But their lack of understanding didn't matter for them or their clients. Everything that was done turned out either good or great. Over the past two years, though, that has changed. If you've been marketing your products via the Internet, you know exactly what I mean. A Challenging New World Gone are the days of easy pickings. The bubble was huge. And now it is rapidly deflating. Response rates are crashing Refunds are rising. Bad debt is soaring. Sell-through values are plummeting. Problem is, everybody and his mother-in-law have gotten into Internet marketing. They learned how to knock off successful Internet businesses by taking courses proffered by those young "experts." And Google (and a thousand companies that service Google) made the process easier by providing them with hundreds of tools for monitoring their competitors. But what they learned were "outside" tricks and techniques that have nothing to do with the valuable "inside" knowledge necessary for long-term success -- knowledge that can't be gained by using the plethora of Google tools out there and the latest gimmicks touted by upstarts who never bothered to learn the fundamentals of direct marketing. Those young whippersnappers don't know the fundamentals. And what they don't know, they can't teach. As a result, their "students" have no idea of what really matters: how to build a strong relationship with your customers so they come back to buy from you again and again. A Thousand Vanishing Experts Bill Bonner recently remarked, "Ten years ago, we had a dozen viable competitors. Today, we have a thousand." He is right. But 990 of those thousand don't understand the "inside" stuff. And that is why now -- with all this competition and an increasingly jaded marketplace -- results are crashing and hardly anybody knows what to do about it. Well, I know what to do about it: Get back to the basics. If you don't know how to test scientifically -- or if you do know but you think it's not necessary -- your business doesn't have a chance. What You Need to Know Now! To be successful from now on, you will have to develop expertise in direct marketing. And that means mastering the following skills: Statistically valid testing Creating "irresistible" offers Structuring price, term, refund, and premium tests Determining the true lifetime value of every new customer Calculating "allowable acquisition costs" Measuring responsiveness by media source Figuring the "doubling date" or "half-life" of new offers Creating "gauntlet" and "pummel" programs for new customers Purging unproductive prospects Discovering your "optimal selling strategy" Brainstorming for the "Aha!" idea Understanding the "architecture of persuasion" Using the "four-legged stool" Implementing the Rule of One Using archetypal leads Designing effective "peer reviews" Efficiently managing the "CUB" procedure If you don't have these skills -- or if your key people don't have them -- consider your business to be in trouble. The market is tough now, and it will be much tougher as every month passes. What You Can Do -- but You Have to Act Quickly! I know half a dozen world-class copywriters who have great programs that teach half of this stuff -- the creative half. But there is only one program I know of that teaches the science of direct marketing. I'm talking about the program published by Early to Rise (which is owned by the most successful direct-marketing information publisher in the world). If you are serious about staying in the game and are not totally confident that you have mastered the science of direct marketing, go here. By the way, in case you are wondering what happened to that marketing executive who didn't understand scientific testing... Ten years ago, I would have told my client to fire her. Instead, I suggested that he put her and the rest of his marketing team through an intensive direct-marketing program -- the one I just recommended to you. Find out more at the link above. ----------------------------------------------Highly Recommended --------------------------------------------------- Making Money Online Is Not Complicated... If You Are Not Greedy - Most Internet marketing programs promise you millions. But they deliver only huge manuals filled with sophisticated strategies. But if you are happy with an extra $250 to $500 a day, there is a new method you should know about. It takes advantage of the most commonly used Internet application: e-mail. Read more... --------------------------------------------------------------------------------------------------------------------------- More wealth, health, and wisdom from Masterson... "The biggest and most reliable returns in the market come from the safest and most mature companies," Investor's Daily Edge Investment Director Bob Irish reminds us. These high-quality companies pay dividends. And they raise those dividends year after year. Buy their shares when they are cheap. Then reinvest the dividends. That's it, says Bob. Andrew Gordon, Editor of Investor Daily Edge's INCOME newsletter, points to Coca-Cola as the perfect example of how this strategy pays off: "Did you know that Coca-Cola has raised its dividend every quarter for the last 25 years? Had you bought just $5,000 worth of Coca-Cola stock in 1985 (about 80 shares) and re-invested the dividends, you would have over 3,100 shares today. They would be worth more than $159,000. "And those 3,100 shares would provide you with nearly $5,000 in annual dividends. That's a 100 percent yield on your original investment." Andy is building a portfolio of solid companies like Coca-Cola right now – companies that can weather the economic storm and come out stronger on the other side. These companies can compound your wealth faster than any others, because they should continue to raise their dividends for many years to come. He calls them the "Group of 88." And he'll release them only to his INCOME subscribers in October. Go here to learn more about INCOME and to be the first to know which companies made the cut. ETR's Associate Publisher Charlie Byrne just sent me an article from a restaurant trade journal. The advice in the article was for restaurants trying to ride out tough times. It struck me how it can be applied to any business: Cut non-essential staff. Cross-train/motivate existing staff. Examine/renegotiate all deals/contracts. Cut poor products/services. Keep bird's eye on all numbers and check them frequently. Reduce inventory to best and bestselling products. Cut non-trackable marketing expenses. But like we've always said at Early to Rise, you can't make "cuts" and changes in a vacuum. You have to consider how each one will affect your customers. The writer of the article put it this way: "Any change that could diminish your customers' dining experience or their perception of your restaurant is probably NOT worth the potential savings." I couldn't agree more. What do you think? Let me know at AskMichael@ETRFeedback.com. Sex is not only fun, says Total Health Breakthroughs Editor Melanie Segala, it keeps you healthy, too. Having sex at least once or twice a week boosts immunity by releasing germ-fighting antibodies, she explains. And it lowers your risk of heart disease. Sex is also a natural anti-depressant and pain reliever. During sex, your body releases hormones that make you feel happier ... and other body chemicals that soothe aches and pains. With all these benefits, I'm betting an active sex life is a natural health regimen most people will gladly "embrace." --------------------------------------------------------------------------------------------------------------------------- "Long live ETR." "First of all, let me say how great it is to read ETR every day! It is motivating and clarifies the world of good entrepreneurship. Long live ETR." Ricardo Freitas ---------------------------------------------- Highly Recommended --------------------------------------------------- Fire Your Cellphone Company - A recent study has found that Americans pay an average of $500 more per year on cellphone service than Europeans. We pay more. And we deal with old technology and shoddy service. But with Ka-Ching Editor Matthew Adams's help, you could save as much as $1,500 a year. All you have to do is switch to a certain provider. No signing up for a new plan. No contracts. No extra fees. Read more... --------------------------------------------------------------------------------------------------------------------------- Today's Words That Work: Whippersnapper A whippersnapper (WIP-er-snap-per) -- a colloquialism that can be traced back to 17th century England -- is someone who is young, impertinent, and presumptuous, with an excess of ambition. Example (as used by Michael Masterson today): "Those young whippersnappers don't know the fundamentals. And what they don't know, they can't teach." --------------------------------------------------------------------------------------------------------------------------- We want your feedback! Let us know your thoughts on today's issue. Email us at: AskETR@ETRFeedback.com

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Copyright © 2009 Early to Rise, LLC. NOTE: If URLs do not appear as live links in your e-mail program, please cut and paste the full URL into the location or address field of your browser. Disclaimer: Early to Rise only recommends products that we've either personally checked out ourselves, or that come from people we know and trust. For doing so, we receive a commission. We will never recommend any product that does not have a 100% money-back satisfaction guarantee. Nothing in this e-mail should be considered personalized Financial Advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized Financial Advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. To unsubscribe from Early to Rise and any associated external offers, Click here. To contact us, please visit... http://www.supportatetr.com/helpdesk To cancel or for any other subscription issues, write us at: Order Processing Center Attn: Customer Service PO Box 7835 Delray Beach, Florida 33482

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Dear Early to Riser, I have arranged for you to hear a very special audio postcard from Vic Conant, the chairman of Nightingale-Conant. Vic is a man who has helped literally hundreds of thousands of people to fulfill their dreams over the past 30 years. Today, I think you will be very surprised by what he has to say in this exclusive audio message. Click here to start listening. Enjoy! MaryEllen Tribby, Publisher, Early to Rise         You are receiving this e-mail as a part of your subscription to Early to Rise. Nothing in this e-mail should be considered personalized financial advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized financial advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. _____ To unsubscribe from Early to Rise and any associated external offers, Click here To cancel or for any other subscription issues, write us at: Order Processing Center Attn: Customer Service PO Box 7835 Delray Beach, Florida 33482

ETR: Leaving the Kids Out of the Will

Saturday - September 26, 2009

If you stick with ETR long enough, you are bound to end up richer than you are today. Perhaps much richer. When you do get rich, you will one day have to write a will. At that point, you will face two unnerving questions: 1. Should you leave your money to your children? 2. And if so, how can you do that without damaging them? How can an inheritance be damaging? How can it not? We've all heard stories about children spoiled by the certainty that they would one day inherit their parents' wealth. I remember telling one such story -- about an acquaintance of mine -- in ETR. I was shocked when he griped that his mother was "squandering" his inheritance on her 80-year-old boyfriend. Worse, he implied that he wished she would die soon so there would be "enough" left for him. Can you imagine a child of yours having such a thought? Whether you are nearing the estate-planning years or just starting your business career, it will do you good to spend some time contemplating this issue. K and I have always told our children that they would inherit no money from us. We said that to instill a sense of independence in them and underline the point that they don't deserve our money just because they are our children. This has worked out very well. Sons one and two are out in the world earning their own keep and never ask for financial assistance. They live within their incomes, and we hear no complaints about it. Number three son is still in college, but it looks like he's going to follow suit. Now that their characters are formed, we aren't worried that they will spend their middle years waiting for us to kick off. We would like to help them financially, but we know that might weaken them. So we have embarked on a strategy that you might want to adopt. Several years ago, we established a company for the purpose of investing in rental real estate. The properties owned by the company are producing a decent income. A few months ago, we had a family meeting. We told the boys about the company and let them know that they each own a bit of stock in it. We told them that we would gradually increase their shares in the company so long as they participated in it in some way. Our hope is that they will learn what we've learned about real estate investing and grow the business -- possibly pass it on to their children. Their reaction was surprising and encouraging. They told us they didn't want or need the shares. They said they could take care of themselves. When your children are young, you want them to be good at everything they do. Good at school. Good at sports. Good at music. When they grow up, you discover you want something else for them. You want them to be financially and emotionally independent so they can be comfortable after you are gone. We have not abandoned the family business idea. I believe our boys will gradually agree to participate on some limited basis. But we are happy that they have so little interest in our wealth -- and that they'll let us "squander" it if we want to. Bankruptcy is up. Unemployment is up. So how is it that the stock market is doing so well? Economists and financial gurus have all sorts of answers. But if you ask me -- if you want a businessman's perspective -- I'd say the market is smoking dope and reading USA Today. Most of the entrepreneurs I know are cutting back on expenses and firing employees. The expense cutting is hurting vendors. And that is forcing them to cut personnel too. If you take into account "discouraged workers" and the "long-term unemployed" the unemployment rate is already over 15%. I expect it to be even higher by the end of March 2010. By then, we will be neck deep in a commercial real estate and credit card collapse. Will the stock market still be soaring? My guess is no. But what do I know? What's more important is that you can make money in any market if you make smart choices and listen to the right people. The experts of Investor's Daily Edge, for example, are bringing in one winning recommendation after another. Andrew Gordon's subscribers have seen capital gains of 58% on a company called Annaly in less than a year. And the company pays a safe dividend of 13% Two weeks ago, one of the stocks in precious metals expert Dr. Russell McDougal's portfolio went up 75% in one day. Another is up 279% since December. Our in-house options guru, Ted Peroulakis led his readers to gains of 63%... 100%... 116%... and 100%... in two months, on the SAME stock – profiting as it rose and fell. And Steve McDonald, our corporate bonds expert is delivering an average of 6% income plus 12% capital gains in his diversified bond portfolio. This is not the time to be a gun-slinger. The economy is still very weak and the market will eventually reflect that weakness again. But that doesn't mean you can't continue to make safe and substantial profits. Consider letting the experts of IDE be your guides to those gains. Herschell Gordon Lewis, the legendary "Godfather of Gore" filmmaker and Hall of Fame copywriter, sent me this note: "Depending on which version of the Bible you're reading, a line in Samuel (referring to the death of Jonathan) reads either, 'How have the mighty fallen' or 'How the mighty have fallen.' "Biblical scribes may have thought they faced tough times, but the quotation is stunningly apt when applied to the U.S. dollar. Margo and I aren't surprised, but aren't wagging our tails either, when we show up in other countries and find we're armed with popguns instead of financial AK-47s. "Here's an indication: We're in Santorini, that elegant and picturesque Greek island. We've been here before, and always the very gracious hotel, restaurant, and retail personnel were more than enthusiastic to welcome dollar-spenders. In fact, they were eager. "Now we hear in place after place, 'Oh, don't you have euros?' Or worse, 'Sorry, we don't accept dollars.' Can you believe it? Believe it. "The dollar doesn't have much cachet these days (even at home). Credit cards still work everywhere on our little planet, probably because banks can convert their value instantly. The financial pages of newspapers track the dollar, once worth about 40 percent more than the euro. Now it's $1.45 or $1.46 to the euro. On odd occasions when it's $1.41, the markets go mad. At $1.48, the travelers go mad in the other direction. "Oh, well. We've loaded up with euros, and I have dollars to use when we get home in a couple of weeks. I can always save them for the next trip to New York, where I can hand them to unpleasant taxi drivers." Herschell You never know what kind of businessperson you are until you face a serious challenge. And with today's economy, we're all facing the most difficult challenge of our careers. When things get tough, people assume one of two roles. 1. The bears get frightened, then retreat and hibernate. 2. The bulls think positively, and move forward aggressively. I've been through many tough markets. And the way I got through them was to "bull" my way through. Yes, I was doubtful. Yes, even scared. But I knew that retreating would do me no good at all. So I pushed forward. And sooner or later, things turned around for me. That's what I think we need to do now. If your business is hurting, get back to your marketing harder than ever. Keep your expenses reasonable. But keep testing until you have a new advertising campaign that works. The main thing to test during times like this is the offer. The right offer -- the right pricing, terms, guarantee, and refund policy -- can easily double or triple your response rate. If you could accomplish that, you'd feel pretty good, wouldn't you? Speaking of offers, this morning I received an e-mail from one of my clients. She said that a change I suggested for her offer had dramatically increased response:   "By the way Michael, I think I forget to tell you about our test results when I saw you last week. Your suggestion for reworking the deal on our Buy 2, Get 1 Free offer was a winner. We went from a 3 percent uptake on the auto-ship on these offers to 11 percent." Yesterday, I reviewed a manuscript for a new book by master copywriter Bob Bly that AWAI is publishing. It's called How to Create Irresistible Offers: The Easiest Way on Earth to Make Your Marketing Generate More Leads, Orders, and Sales. In the introduction, Bob says: "An irresistible offer promises prospects something so compelling or desirable that they can't help but call, write, or go online to get it. 'The irresistible offer is an identity-building offer central to a product, service, or company where the believable return on investment (ROI) is communicated so clearly and efficiently that it's immediately apparent you'd have to be a fool to pass it up,' writes Internet marketing pioneer Mark Joyner. "Or, to paraphrase Marlon Brando in The Godfather, it's an offer your prospect can't refuse." If you are not actively testing offers, you need to get this book. I read it in one sitting. It was exhilarating. I highlighted dozens of good ideas. Ideas I plan to convey to my clients when I meet with them. Bob describes hundreds of clever ways to make your advertising more responsive and boost returns. We'll be trying some of them at ETR next week. If you are a CEO or a marketer, check out this book now. "Losing weight is a matter of simple arithmetic. You've got to eat fewer calories than you burn." This may be the most popular truism of our ever-fattening society. It is repeated by doctors and health advisors on television, in magazines, and in the pages of bestselling books. It's universally believed by sensible, educated people. And yet it is completely, utterly wrong! The kind of calories you consume makes a big difference in how much fat you retain. That's how our bodies are designed.  Dr. Al Sears says that the real reason so many Americans are fat today is not that they are eating more calories than they are burning. It's that what they are eating is exactly the sort of food that makes the body fat. "Our modern diet is processed and full of additives and other toxins," he says. "Combine that with getting older and you throw off your body's 'fat signals.' These signals tell your body how much fat to make and store." If you want to lose weight quickly and naturally, eat like a caveman, Dr. Sears says. What did a caveman eat? Grass-fed meat. Organic vegetables (the ones that grow above ground, not tubers). And fruit. Reduce or eliminate all foods invented after the invention of bronze. That includes lots of stuff the government and the food industry recommends, such as "whole grain" breads and "lite" fats. Eating like a caveman isn't all that easy, given the temptations that are out there. I still have my weekly McDonald's because I need a synthetic food fix once in a while. And, boy, it tastes good! But I know that Dr. Sears's advice is right on. So I do the best I can to heed it. Hope you do too. Although unemployment is climbing (see above), the number of people getting jobs doing search engine marketing is growing in leaps and bounds. A new study by Indeed.com says that salaries for those jobs range from $30,000 to well into six figures. That's good news for anyone interested in Internet marketing or copywriting. If you would like to improve your skills in this area, I 'd like to recommend two programs: * AWAI's SEO Copywriting Success: How to Profit From Writing for Search Engines. It's perfect for freelance copywriters and marketing consultants looking to add "SEO Specialist" to their services by learning how to drive free, targeted traffic to their clients' websites. * ETR's Internet Cash Generator, taught by my friend and colleague Bob Bly, a veteran copywriter and marketing consultant. It focuses on marketing techniques that will quickly grow your Internet business (or help turn your idea for a business) into a non-stop cash-generating machine -- in any economy, boom or bust. Today's Generation Lacking Common Sense? My recent conversation with three young ad execs, recounted in last week's Journal, stirred up Early to Risers from coast to coast. Here's what one had to say: "Firstly, I have to say I think you are a genius. I have actually started passing your articles to non-business associates, simply for the fact that there is so little genuine common sense thinking in the world.   "Those young men you were talking to cannot understand your business approach, not because they don't understand you or business, but because they're out of touch with reality. They lack common sense. They have had their brains washed (away) by university and now they live in the safety of their empty heads and their bleeding heart socialist ideas.  "Even if in your twenties you were idealistic, I can almost be sure you weren't that 'haughty.' Thanks again for the regular reality checks! There are a few generations out there that need them."   Mariangela Sanabria Brampton, Ontario, Canada [Ed. Note: Michael Masterson welcomes your questions and comments. Send him a message at AskMichael@ETRFeedback.com.]

© 2009 Early to Rise, LLC.

NOTE: If URLs do not appear as live links in your e-mail program, please cut and paste the full URL into the location or address field of your browser. Disclaimer: Early to Rise only recommends products that we've either personally checked out ourselves, or that come from people we know and trust. For doing so, we receive a commission. We will never recommend any product that does not have a 100% money-back satisfaction guarantee. Nothing in this e-mail should be considered personalized Financial Advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized Financial Advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. To unsubscribe from Early to Rise and any associated external offers, Click here. To contact us, please visit... http://www.supportatetr.com/helpdesk To cancel or for any other subscription issues, write us at: Order Processing Center Attn: Customer Service PO Box 7835 Delray Beach, Florida 33482