The Finney School of Real Life

This is the final part of a two part article explaining how you can analyze your website.

Additionally, web traffic stats can help you determine effective and ineffective areas of your website. If you have a page that you believe is important, but visitors are
exiting it rapidly, that page needs attention. You could, for example, consider improving the link to this page by making the link more noticeable and enticing, or you could improve the look of the page or the ease that your visitors can access the necessary information on that page.

If, on the other hand, you notice that visitors are spending a lot of time on pages that you think are less important, you might consider moving some of your sales copy and marketing focus to that particular page.

As you can see, these statistics will reveal vital information about the effectiveness of individual pages, and visitor habits and motivation. This is essential information to any successful Internet marketing campaign.

Your website undoubtedly has exit pages, such as a final order or contact form. This is a page you can expect your visitor to exit rapidly. However, not every visitor to your site is going to find exactly what he or she is looking for, so statistics may show you a number of different exit pages. This is normal unless you notice a exit trend on a particular page that is not intended as an exit page. In the case that a significant percentage of visitors are exiting your website on a page not designed for that
purpose, you must closely examine that particular page to discern what the problem is. Once you pinpoint potential weaknesses on that page, minor modifications in content or graphic may have a significant impact on the keeping visitors moving through your site instead of exiting at the wrong page.

After you have analyzed your visitor statistics, it’s time to turn to your keywords and phrases. Notice if particular keywords are directing a specific type of visitor to your
site. The more targeted the visitor - meaning that they find what they are looking for on your site, and even better, fill out your contact form or make a purchase - the
more valuable that keyword is.

However, if you find a large number of visitors are being directed - or should I say misdirected - to your site by a particular keyword or phrase, that keyword demands
adjustment. Keywords are vital to bringing quality visitors to your site who are ready to do business with you. Close analysis of the keywords your visitors are using to find
your site will give you a vital understanding of your visitor’s needs and motivations.

Finally, if you notice that users are finding your website by typing in your company name, break open the champagne! It means you have achieved a significant level of brand recognition, and this is a sure sign of burgeoning success.

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Billions of dollars will be spent on hair loss solutions this year. Much of this money will go to waste. Ineffective products and misleading advertising are only partially to blame. Many consumers are not using these hair loss products in an effective way. Fortunately there are a few simple ways that consumers can increase their chance of success. Following these guidelines will ensure that your money does not go to waste:

Start a Journal

People usually try several different hair loss products before they find something that works for them. Many use two or more products simultaneously. Keeping track of all this information can be frustrating and difficult. The best way to figure out what is working is to keep a journal detailing your progress. You should record all relevant information about the treatment process: when you started, the dosage, cost, and any side effects you experience. This documentation will tell you which products are effective, which ones are not, and allow you to make changes as necessary.

Take Pictures

Noticing small changes in your hairline over time is extremely difficult. Taking pictures on a regular basis is the most effective ways to track your progress. Always photograph your head from the same angle, in similar lighting conditions. Use a digital camera for best results, most will automatically record the date and time for you. When combined with a treatment journal, these photos provide an invaluable tool that will allow you to judge the effectiveness of products you use.

Do Your Homework

The Internet is flooded with products claiming to cure and treat hair loss. Finding out which ones are legitimate can be a difficult task. When researching products online, beware of those that sound too good to be true. If the company has before and after pictures, examine them closely. If the images were shot from different angles, or in different lighting, be suspicious. These techniques are common camera tricks used to fool the eye, and the consumer. When a company claims their product has a “98% success rate”, look for documentation of their clinical study. If the clinical information they provide is vague, or even missing altogether, be wary.

If you follow these steps throughout the hair loss treatment process, your chances of success are excellent. One last tip - any successful regimen requires dedication. Whatever the treatment is, carefully follow the instructions from your doctor or the product manufacturer.

Adam Sharp is the publisher of http://www.hair-loss.org. Visit our site to read more about hair loss products and treatments.

Personal loans are loans that are availed for a variety of purposes. You may avail a personal loan for home improvement or to buy a car. You may even avail a personal loan to consolidate your debt or to clear your credit card dues. The best part about a personal loan is that you do not need to cite any reason while you apply for such a loan.

You may avail a secured or an unsecured personal loan. Secured personal loans require collateral just as any other secured loan whereas unsecured personal loans do not require collateral. An unsecured personal loan is usually availed when you require a small amount. Since unsecured personal loans carry high rates of interest, they must be repaid as quickly as possible. When you require a large amount of money, such as to carry out a major home improvement job or to buy a car or to finance your child’s education, it is advisable to avail a secured personal loan. This is because since a large amount will be repaid over a longer period of time, its rate of interest must be low so that you do not end up paying a very large amount of interest.

Although there is a risk of repossession of collateral in case of secured personal loans, yet such loans are quite a favourite among borrowers. This is primarily because of low rates of interest. Lenders offer flexible repayment terms on secured personal loans. The borrower may repay a secured personal loan over a long period of time. This reduces the amount of monthly instalments payable by him. A secured personal loan can help you consolidate your high interest debt into a single low interest loan.

A secured personal loan is a good option to raise capital if you have a bad credit history. Lenders are usually unwilling to grant loans to the borrowers with poor credit scores. They believe that if you have a bad credit history, you are more likely to default in repayment than the other borrowers. This is the reason why they charge high rates of interest on bad credit loans. You can avoid these difficulties if you apply for a secured personal loan.

shakespearefinance is a Finance website designed to bring you the very best the loan industry has to offer. Specializing in Personal Loans, Secured Loans, Home Improvement Loans and Debt Consolidation Loans the website brings a wide variety of loans from among the ones mentioned from various lenders across the market. Customers may get quotes, call the customer service or simply apply online to access the different loans available. The loans calculator provided also helps to gauge the different parameters that are involved in loan application and approval.

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Shakespeare Finance as a finance specialist.for more information visit at http://www.shakespearefinance.co.uk

Ask a majority of adults what Christmas means to them, and they will most certainly say the birth of Jesus Christ. But did you know that Jesus Christ wasn’t even born on December 25? No one knows for sure when Jesus was really born, not even Biblical Scholars.

Did you know that the first three centuries of the Christian era Christians did not celebrate Christmas because they felt that celebrating birthdays was a pagan custom?

Many people will tell you today that Christmas is still a pagan custom simply because the idea of spending thousands of dollars and going into debt isn’t something to celebrate. How about decorating a pine tree with stuff, stringing popcorn on strings, receiving gifts from a bearded fat old man who comes strolling down the chimney? Where does Jesus fit into these customs?

Ask any child under the age of six and they will tell you that Christmas is about getting presents and Santa Claus coming down the chimney to deliver them toys, but only if they have been good. Parents have used the Santa fib for many years to get their children to behave while shopping and to get them to go to bed when they are told. If they have been naughty they can forget about Santa even coming to their house.

So why was December 25th chosen as the date to celebrate Christmas? According to the Collier’s Encyclopedia 1966 the choice of December 25th was influenced by the fact that on this day the Roman’s celebrated the feast of the Sun-god, and that the Saturnalia came at that time. Sun-god and Saturnalia?

Because of this pagan observance of the Sun-god by the Roman community, the Church took full advantage of this December 25th ritual and turned the people away from their Sun-god and made it a day to adore Christ the Lord.

My question is, do the children adore Christ the Lord, or Santa? Jesus doesn’t bring them any presents and he doesn’t come flying down the chimney every year either. In fact, they can’t even see Jesus except as a ceramic statue in a manger surrounded by some little sheep. I don’t think they adore that too much, what do you think?

Let’s suppose December 25th is the Birth of Jesus, where do all the presents, santa claus, reindeer, elf’s, and putting stuff on a tree fit into the Birth of our Lord and Savior? Through the years European customs and rituals have slowly wormed their way into the celebration of what is now called Christmas.

Christmas is celebrated around the globe a little different everywhere depending on where you live. But they all are based upon the same idea of gift giving and getting, putting stuff on a tree to make it look pretty, and santa coming down the chimney with a big red bag full of presents.

From what I have gathered in just the past several years, the biggest fans of Christmas are the retailers and the children, and in that order.

What do you think about this? If the “true” meaning of Christmas is celebrating the birth of Jesus then we should do something for Jesus, I mean it’s his birthday right? You wouldn’t give your Aunt Florence a bunch of presents if it were your husband’s birthday, would you?

Maybe we should try and be more like Jesus by helping a friend who is really in need, and giving up our presents, time and money and giving them to someone who is really in need of these things. I know this is what Jesus would want you to do and it’s his birthday.

Angie Lewis offers spiritual enlightenment tips for couples in marriage, and is the author of new release book JOURNEY ON THE ROADS LESS TRAVELED.

This unique book is about love, life, marriage, addiction, temptation, and understanding the power of spiritual awareness for your marriage.

In her book, Angie reveals her own journey of overcoming addiction and battling with her negative emotions that she allowed to embrace her life and marriage.

To find out more about this new book click here, http://www.spiritual.journeybooks.4t.com/
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Angie Lewis counsels couples and writes a monthly newsletter where she reveals her secrets on how YOU can stay happily married for life!

Subscribe to get your FREE monthly newsletter so you can stay happily and forever married!
http://www.heavenministries.com/

We’ve all heard about Einstein and his mind shattering theories that changed forever the way we look at the universe. One lesser-known caveat he spoke about applies particularly well in the trading area. Don’t worry, you won’t need to learn calculus here, but the theory is revelent to trading nonetheless. Einstein said that the definition of insanity is to try something over and over again and expect a different result. Ok, obvious enough. But what do you do in your trading? Do you repeat something over and over, expecting something different? Do you even know if you’re repeating the same technique each time?

There’s the rub. Few traders take the time to analyze what they do and what the results are of each action. This is a key element in your trading that you MUST do to survive long term.
So, here’s what you should do to get in touch with your insanity level.

1) You’ve heard that you should keep a record of each trade, but you must also keep a record of the reasons why you took the trade, what your thought process was behind it.

2) Be honest and don’t lie about what you did. (See my previous article “The One Thing You Must Know Before Making a Trade”)

3) List every trade, not just the winning one’s. List your emotional state each time. Try to determine if the trade was based on logic, or a result of an impulsive emotion (such as fear or greed).

4) Take the time to analyze your log. Compare your trades to the strategy your using. Are you following your planned trading method? Do you impulsively deviate from the plan? If you do follow the Trading plan, and it’s not showing a profit, them it’s time to change the system.

Sometimes we get involved in something and don’t take the time to step back and see if it’s the right path to take. Keeping a log and looking hard at your results will improve your trading results over the long run.

Paul Nickel has been trading successfully for years and has more information about trading at http://www.lowrisktrading.info and after years of trial and error uses the trading method outlined in the blogroll section under “low risk trading” at this site.
This article may not be used in part or in whole unless author name and link sites are provided with the copied atrticle.

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Some people say we live in the Information Age.

I call it the Distraction Age.

My new hometown is Distractionville. Everything and everybody shouts, “Hey, look at me!”: E-mail, Internet, TV, telephone, newspaper, radio, family and friends. The Distraction Faction is as bright as the midday sun and louder than a freight train in Distractionville.

I have had conversations lately with many small business owners about promoting their businesses for more sales. Traditional methods of advertising are more expensive than ever for the results they offer. Newspapers, magazines, radio,TV and Yellow Pages worked well in the past but due to the increasingly shortened attention spans in Distractionville, these methods for getting information to your customers aren’t getting results.

Business owners tell me they are often exasperated when their regular customers tell them about buying goods or services from another vendor that are readily available from their own businesses. The owners think what kind of customer loyalty is that for all of the service I offer to you? The owners say to the customers, “We offer that, too, you know”.

“I didn’t know you did that!” is the response from the customer.

Even if the customer should have known from your previous marketing efforts, it doesn’t matter. The sale is lost forever.

How can you get your message heard and seen in Distractionville? Consider increasing the decibel level of your business by using some of the following ideas adapted for your business:

-A florist offers to put bosses on a tickler list for advanced contact and products for secretary’s day for next year.

-The tire shop presents a coupon book of free tire rotations with every sale of new tires to get customers back for oil changes, brake inspections, etc.

-The dress shop calls its best customers to annouce the fall line is in with the customer’s size in stock.

-The computer repair service mails post cards to customers with older systems annoucing a special on systems upgrades and wireless networking.

-The coffee house offers coupons to each customer for a discount on its fresh baked blueberry muffins for the next visit.

-The lawn service puts door hangers on current customers’ doors with weeding and edging service information.

The solution for promoting all of your business goods and services to your existing customers is simple. Find new ways to tell them what you do. Then tell them again a different way. Then to be heard and seen above the roar of the crowd of Distractionville, tell them one more time.

Three easy steps:

1. Do it
2. Do it

3. Do it

Doug Emerson trains,consults and coaches small business owners daily about how to make more profit in less time.

He writes a FREE electronic newsletter filled with ideas about how you can improve your profits and create a life that balances work, rest and play. Go to this link and subscribe. http://www.douglasemerson.com/3Iwrotethis.htm

Or visit the website: http://www.douglasemerson.com

The Royal Institution of Chartered Surveyors warns that if you can’t get insurance for your house, you’re in big trouble. Mortgage lenders won’t lend on houses that are uninsurable and as a result its value could fall by up to 80%.

It’s a high flood risk that’s most likely to make your house uninsurable. According to a recent survey, 6.5 million homes are already at risk from flooding of which 1.5 million are in high risk areas. The government has completed flood defences in many such areas and protection for a further 80,000 homes is due this year. But concerns have also been expressed about a further 120,000 new homes planned for the Thames Gateway which are potentially in a high “at risk” zone. Yet many areas remain vulnerable. And if global warming continues, by 2030, the 1.5 million at risk could mushroom 3.5 million. Back in 2003 the Association of British Insurers (ABI) agreed the principles which committed UK insurers to offering home and contents insurance for properties in areas which are assessed to be at a flooding risk once in seventy five years or more. The rider was that the flood defences had to be already in place or would be completed by the end of 2007.

The Department for Environment, Food and Rural Affairs (DEFRA) has the responsibility of developing and maintaining these flood defences but within the insurance industry there’s widespread concern that insufficient progress is being made. As a result the insurers have has warned the government that there could be widespread withdrawal of insurance cover if progress is stepped up.

In the mean time, those in areas threatened by flood water could find their insurance premiums soaring. Whilst the insurance industry agreed to provide insurance cover, their commitment was simply to maintain premiums at “reasonable” levels. But there was no definition of what “reasonable” means. As a result premium increases of 60% have been common with up 400% increases in bad areas. In a tiny number of cases, cover has been withdrawn altogether, mostly in country areas where DEFRA considers the cost of defending a cluster of a few homes to be uneconomic.

Environmentalists warn that unless DEFRA gets it’s skates on, the UK ’s current bill for flood damage could rise from £950 million a year, to £3.2 billion. After all, the average insurance claim for household flood damage is £30,000 - that’s even higher than fire damage. And localised events like the 2004 flood at Boscastle, Cornwall , can cost the insurers over £15 million.

If you are in any doubt whether your home or proposed home, is in a flood risk area, you should visit www.environment-agency.gov.uk. This is DEFRA’s web site where you can check whether they think your home is at risk of flooding. Their maps were originally designed for planning purposes and provide information on a post-code basis.

Whilst many insurers use the DEFRA information, others like More Than, have their own flood maps. These assess homes individually rather than post code areas. This means that if your existing insurer increases your premium for flood risk and uses the DEFRA information, you may still be able to get a cheaper rate from an insurer using it’s own flood data if its data identifies that your property is beyond the “at risk” zone.

The ABI has recently added to the pressure on DEFRA to accelerate the building and upgrading of flood defences. It has warned that unless the government increases its spending on flood defences, the insurance industry may not continue their commitment to the 2003 principles.

That would be bad news for many homeowners.

Michael Writes for Brokers Online who offer Life Insurance, Life Assurance and Home Insurance all online

Every real estate investing deal is an opportunity for both profit and education. Well my first deal was a good combination of both. When I decided I wanted to get involved in real estate investing it took me eight months to decide to do my first deal.

This particular deal came as a result of networking in my local real estate investor group. A local Memphis investor found a deal on a 3 bedroom, 2 bathroom home in a moderate to lower income area where people still like to buy homes. This was a wholesale deal for the other investor and he assigned his contract to me to close on the deal. I was buying the property for $58,000 and $5,000 of that went to the investor for assigning the contract to me and $53,000 went to the seller of the property. I had the cash available so I paid all cash for this deal and for $4,000 in repairs this property needed. The after repaired value of the property was approximately 95k.

I had decided I wanted to do a rent to own or lease option deal with this property. I put a yard sign out with property flyers and had links to a website with inside pictures of the property. At the time I was doing this a more experienced investor told me I should try to retail the property and take the quick cash and go on to the next deal. Well as a new investor I wasn’t sure how long it would take for me to find my next good deal so I wanted to get the maximum out of this property. After about a month(and about $800 in ads) I found a tenant I considered suitable and agreed to take a $2500 option fee plus $875 per month and a sales price of $99,000. If the tenant pays the rent by the first of the month then $100 counts as pay down towards the purchase price. If I had sold the property quickly I may have sold for $89k and paid $5k in selling fees and netted about $20k and would have paid about $7k in taxes on that income. Instead by going after lease option it may take 2-6 years to sell and I should get a $99k or better selling price with much less selling costs and should net about $35k of which about $5k will be taxed as capital gains. The lease option method will net me about double what retailing would have done, however it would have been nice to have access to that cash for doing more deals. I think the $15,000 profit quickly would have been better than $30,000 in a couple of years plus the things I could have done with the $62,000 in cash I put into the property.

The tenant I chose has not once in the first nine months paid the rent on time so he hasn’t earned the $100 monthly rent credit, and has on average had to pay an extra $100 each month in late charges. I don’t expect this tenant will be able to refinance, however his job status and income have been going up while he has been in the property, and the current market value is now $105k. The tenants father is a mortgage broker and if I get to the point of evicting the son the father has told me to let him catch up the sons rent before filing for eviction so that part is really in my favor.

From a humanitarian perspective I like lease option deals as I am really helping someone who could not rent otherwise. I will only do a lease option to someone I believe is improving their credit and job situation and should be able to buy the house within 24 months. With 12 months of on time payments verified by copies of checks many mortgage brokers can get your tenant financed as a refinance type of deal.

In the event the tenant doesn’t buy the property within the first 2 years I can either lease option to another tenant or just try to outright sell the property. Even though the property provides great cash flow I would rather sell it and get a big check and use the cash to go after the next deal.

Some things I learned on this deal that you can use: 1. We had a yard sign with flyers in a flyer tube plus links to view pictures on a website. Before we would show the inside of the property we insisted any prospects should view the pictures online first. We ran ads in the major local newspaper and we got 20 times as many calls from the yard sign than we did from the newspaper. However this street had decent traffic, other properties I have are more secluded. Always use a yard sign and flyer box and have pics online with good descriptions and always highlight the kitchen and bathrooms. 2. If I had the deal to do all over again I would have retailed the house and tried to sell it quickly. I could have rolled this deals cash into more and more deals and made much more money. My opinion now is that every investor who isn’t already financially well off needs to go for the quick income first and progress to long term deals second. 3. I probably should have waited a little longer for a stronger tenant. 4. You can not do this type of lease option transaction in Texas now due to some strange laws that got passed in 2005. However I live in Tennessee and we don’t have any anti-investor state wide laws yet. We do have a bad local one related to trash left over from evictions but that is minor in comparison.

David offers a free
E-course on quick start strategies for getting started in real estate investing that is delivered free via email and tele-clinic at:
www.FreeRealEstateInvestingCourses.com

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