How To Teach Fitness Classes In Schools

Lottery Number Generator :

The government has issued new PE objectives to schools indicating that they must increase their structured PE during school time to every child by 2010. They also have to provide an additional 2 hours of out of school PE by 2014. By using real life case studies from successful instructors who are leading the field in developing regular ETM classes and strategies for schools this article explains how to present yourself as an expert, understanding all school ‘s love for acronyms and coding systems and pinpoint who to approach within schools .

How To Teach Fitness Classes In Schools

Diversification has to be the buzz word in the fitness industry right now. There are so many avenues for the discerning fitness professional to go down within group fitness. These niche markets are in desperate need of the qualified Group Fitness Instructors skills, expertise and knowledge. No longer is teaching in a health club or sports centre the only option. Classes in the community, GP referrals, corporate venues, children, teens and the plus sized market are all MASSIVE opportunities and are relatively untapped areas. We need to start making significant steps towards finding solutions and creating specific programmes for these target groups.

Teaching fitness to children is not the same as teaching to adults so you will need to do a specialist teaching qualification (see the end of this article for course information) as an add onto your existing qualification. Remember you will not be insured to teach under 16’s unless you have a separate specialist qualification. You will also be required to be CRB checked but I am sure your school will be able to help you with this.

But how do you approach schools? who do you approach in schools? and how does it all work?

Liz Hindley owns a highly successful business in Preston, Lancashire called Physikidz (www.physikidz.com) After completing the CAFitness qualification Liz ( who is a mum of 3) began approaching schools with her unique ideas for getting children into exercise. “Leaping Liz” as Liz is known by the children , has developed C.A.T.S (Classroom Aerobics Training System). She identified that children at key stage level 1 and 2 would benefit from doing short simple exercise sessions every day. These sessions are taught in the classroom, without the need to get changed. Leaping Liz visits the participating schools periodically but in the meantime has designed and created all her C.A.T.S routines on a DVD which the teachers play every day for the children.

“The programme I run is operating in Preston (the UKs newest city!) and surrounding areas. I have run INSET days for teachers in Liverpool and Chorley, and spoke about my programme at a conference for SScos at the JJB Stadium in Wigan, which covered the whole of the Northwest. On the back of that and the website, I have sold C.A.T.S (Classroom-based Aerobic Training System) Dvds to schools all around the country.”

Liz is a fully qualified group fitness teacher and I asked her what motivated her to make the push into schools:

“A family friend, a local PDM, was concerned that schools in his partnership were falling short of the 2 hours structured PE that is a Government requirement for 2010, particularly at Key Stage 1. I offered to work with a school in his area to see whether there was a solution to the problem. My simple, short routines were such a hit, that other schools in the area asked me to visit. My alter ego “Leaping Liz” quickly became a local celebrity among teachers and the requests for school visits came flooding in. More than that, I found that I really enjoyed working with these little bundles of energy. I feel that I am really making a difference to the fitness levels of children in our area. They all feel inspired to tell me about their activities – swimming, judo, gymnastics, ballet – between my visits. I am also helping teachers to achieve a simple solution to the problem of fitting more PE into an already packed curriculum. No two schools are the same; no two children are the same. It is challenging, but enormous fun “ Says Liz
But how do you break into the schools system?

Liz offered to run half-hour aerobics sessions to three key stage one classes over six weeks at no cost to the school. Since going into that school, they have asked her back to work with key stage two, to work for a whole day during Health Week, to run after school sessions for the staff, to do a step taster session with Year 6 and to do a sponsored aerobics charity event. They also passed Liz’s contact details onto the primary school across the road, who booked her for six weeks, and so it continued.

Decide which age group you want to aim at to begin with. Better to approach a school and offer to teach Junior Yoga for 3 weeks in half hour sessions to Key Stage one, than to try to offer all your skills to the whole school. It makes you look more professional, and once you are in the school, they inevitably want you to try different things with different groups. Getting your foot in the door is the number one aim.

Getting into schools can be quite challenging. It is not a question of just writing to the head of PE or Head Teacher you need to understand how the school framework operates when using outside Instructors.

Caroline Oliver is a fully qualified PE teacher and is Exercise to Music /Fitness Pilates trained. She runs a website called http://www.kidzactive.co.uk. Caroline is also a School Sports Coordinator who along with the schools Professional Development Manager are the key people you need to contact if you are looking for work within schools. But what is a SSCO and a PDM. Caroline explains who they are and how these people can help you in your quest to teach in the school system.

PDM – Partnership Development Manager – your most important contact. The PDM looks after a cluster of secondary schools and primary schools in the area. They are based usually within one of the secondary schools, this role is to co-ordinate all the partnership schools and get the structured PE time up to 2 hours in every school, which is a Government target for 2010. They have a pot of centralized money which is designated for PE.

You can find your local PDMs contact by doing a search on GOOGLE. Your local authority will have these details on a website or contact Youth Sport Trust in your region
SSCo – School Sports Co-ordinator. This is a role in Secondary School, and is where a PE teacher looks after 6 or so primary feeder schools. The SSco also has access to additional PE designated funds. Contact your local secondary schools to get the contact details of the SSco.

“Teachers are buried under mountains of paperwork and are very busy so an email to the SSCO and the PDM would be your first port of call. Introduce yourself and explain what you can offer the school, your qualifications and availability. Offer to pop in for a chat and discuss your ideas”

I emailed all the PDMs in my area offering my Street Dance Programme and Fitness Pilates for teenage girls. It took a few weeks for the PDMs to get back to me so by this time I contacted the SSCos in each school via email. I also let all my local community classes members know that I was aiming to offer classes in school, as many of my regular’s have children in schools are class room assistants and many pupils attend my evening classes so they helped to spread the word. I now teach Street Dance in 3 schools during PE Lessons and run 2 afterschool clubs. Once you get into one school word spreads like wildfire! My phone now rings constantly with other schools wanting to offer the sessions.
Donna Podesta of White Feathers Fitness has also been making headway within teaching in schools.

“I am in my 3rd year of running the Dance Club at my local High School and last year decided to take my video camera into the class to film the dance we had been working on. I then made this into a DVD (inspiration from [http://www.choreographytogo.com!]) and passed it on to the SSco at the school. I only really did this to show them how well the students were doing and the progress they had made with dance. Lucky for me he passed this on to the PDM for my area and I now have a contract, funded by the lottery to deliver a KS1 Dance Development Programme to 31 Primary Schools in my area. I have 2 girls working for my company now 'White Feather Fitness & Inch Loss' as I can't deliver all the dance classes myself, we have just finished our first week and the children were so enthusiastic and excited they have been a pleasure to teach. Dance is such a fun way for children to become more active and improve balance, co-ordination and build confidence. Hopefully this positive introduction to exercise for these little ones will encourage them to continue to be active in later years” says Donna Podesta (www.whitefeatherfitness.co.uk)
By providing children and teens with safe, effective and FUN ETM classes we can encourage a lifelong habit of exercise and show the next generation the joys of exercising together in a group with friends to music. By forging partnerships with schools and the local community we can make a difference to the health of children and also provide ourselves with a rewarding way to take our services forward in new directions.

How to Increase Your Sales - How to Close Every Time

Lottery Number Generator :

In this post I want to explore some fundamental basics of sales and how to increase your sales success. This method is best used in software or technology, it has not bee used with product sales so I don't know how that works. However, I've been using this method in software for the past 7 years with great success. This method is not a new type of rocket science, it is not something you are not familiar with, if you have been in sales for some time with success.

How to Increase Your Sales - How to Close Every Time

Who am I?

I am an MBA sales manager at a software company who focuses on creating software for the gaming industry, mostly Lotteries and Casinos but also in Sports betting. I have been using this method to create new clients, gather leads, make the most of my time by selecting which leads to follow and which not and increasing my closing rate. A usual sales cycle in this company I am working in now is about 1 year or more so this sales method is useful for long term sales. This is perhaps not the best method in sales that take place many times a day, such as retail.

The sales process

First of all let me say that I view the sales activity as a process. If you follow some fundamental steps you increase the likelihood of closing the sale. In sales nothing is guaranteed but I am sure that if you follow these fundamental steps you will increase the likelihood of closing a sale.

Sales activity is a process - it is bets run with some project management skills. You need to set out a plan of action that may take a long time to execute and some of the steps you need to repeat until a desire result has been achieved, but it is a process in my mind - not some genetically inherited skill of either you can sell or not! Everybody can sell - with great success - they just need to follow a simple process that logically moves the prospect from a mild interest in you solution to a state of desire to give you money for the service. If prospects are not willing to part with their money in return for your solution, then you are not selling anything. The process here show you how to take the prospect to this stage where they want to give you the money.

The basics - finding the prospects

Gathering potential clients is a task every sales person needs to master. If you cannot get the attention of potential customers you are not going to have any success of selling anything. So the first step is to find customers. How do you do this? Depending on your market, you should do some research here trying to find the actual companies that you would like to sell your products or services.

• Make a list of dream customers
• Make a list of second best customers
• Study your competitor's customers - make a list

When I say a list of customer I mean names of people, contacts - both e-mails and telephone numbers. It is not a good policy to send e-mails to e-mail addresses like "info@abc.com" or anything like that. This is going to get you nowhere. You need to come up with a good list of 100 companies and their contacts. In my experience, I always target the Marketing executives and Sales people - preferably C level - or as high up as possible. In the software industry or when selling a technology, I have never called the technical department. This is of course not applicable to every situation but it is my experience that the technical department will usually turn you down to begin with. Why? because they will view every new piece of technology or software as additional work - and therefore more problems - and from an operational standpoint that is probably true. So they will turn you down but the sales and marketing people will always want to hear how they can increase sales or solve some other problem that they may have.

Getting the leads

Identifying the problem your solution or product solves is crucial in this method of sales. Put a lot of work into finding out what problems this product solves for your existing clients. If you don't have any, figure out why this product or solution was made in the first place. Use this information to create a letter (e-mail) to sent to your potential customers. This letter is supposed to generate interest in your product or solution.

Formulate the letter in the following manner:

• Introduction
• List the problem some of your customers had (similar companies) - 3 items
• Explain how you solved this problem
• Offer them to have the same problems solved in their company

Coming up with problems to solve is a work of creation - you need to be creative here. Find a few customers who are willing to give you a statement of why they bought from you in the first place. What problems did you solve for them? My guess is that similar companies have similar problems that they need solving. Get this information into your letter.

Qualifying the sales lead

Make sure that the companies on your list are within your marketing criteria. Don't waste time following some hot leads that you are never going to sell to because of legal, environmental, political, financial or whatever other reason you need to have to be able to become your customer. If the reasons are financial, then the prospect needs to have a certain turnover per year etc. Make sure you know the company in question, study it's website, read their newsletter - become an expert in their products/services, try an understand how they function. This is what I call qualifying the prospect. I make some harsh cuts here to my list just to make sure I am putting my time into valuable prospects.

When this is done, get your letter out the door in reasonable chunks - 10 or 15 at a time. And make sure you follow up with a phone call to EACH AND EVERY ONE OF THEM! Just call them. The letter itself will not drive the prospects to you - you have to call them or visit them or whatever. You must get to that person one way or the other.

Making sure you understand the problem

Now you have sent your letter and you have made the call and the prospect is on the line or you have a meeting. Do me a favor - leave PowerPoint at home. People who use power point to sell never sell anything. The sales process begins with a conversation. The point of this conversation is to find out as much as you can about your client. You can perhaps begin with a short description of your company and it services - in general terms (PowerPoint if the client seems worried) - but make sure you do not use the 1 hour you get with him/her in talking. You want to make the prospect talk. There is one fireproof way to do that - ask questions! This is where your study of the company kicks in - you should make a list of questions related to the company or the situation and make sure you understand the problem they have perfectly - this is not the time to sell - don't sell here! Just listen and ask questions. One man said to me once "Do you know why sales people have one mouth but two ears?"

I am sure you got the sales job because you have the gift of the gap - but in this step you should just listen - learn. Prospects will tell you a lot nd they will even tell you how to sell to their company. Sales and marketing people are always very helpful.

Make sure the solution fits the problem

Now this stage is a rinse and repeat. You should ask all the questions you can about their business and specifically about their problem. At some point you are expected to solve this problem. But you have to make sure you get their problem identified and agreed upon. The prospect ahs to accept this problem he has. Once he has done that or even a list of a few problems - you can start using you solution to solve each and everyone of them. The conversation should be along the lines of "... if I can show you how this problem can be solved will you take seriously look at our solution". The point here is to make him say "go" to exploring your solution further and giving you a chance of proving that his problem is solved with your solution. This step could take a few meetings.

And get it in writing. After the first meeting make sure you do meeting minutes where you state everything decided in the meeting or conversation, especially that the prospect has admitted his problem and accepted to explore your solution further. Depending on the level of complexity, this could be a few meetings and conversations on the phone as well. I've had prospect that took months in defining the problem and making sure the solution fits.

Now you go back to your team and get them involved in showing proof that your solution can solve the prospects problem. Here is a good idea to do a schedule - like an evaluation period. Get this schedule worked out with the prospect and get him to agree to it - he will if he made it with you.

OK so now we are here:

• the problem is identified
• the solution to the problem has been found

Now he wants to know how much it costs. Sure, this stage is always a little tricky but I have found a great way to get around the embarrassing "offer and pray" situation that I used to fall into. But before you give them the numbers..... you need one more thing from them: access to decision makers.

Getting to decision makers

They are not going to get the price unless you get to present it yourself to the guy or the committee that takes the final decision. This is crucial to keep in control of the sales process. As soon as you give them the numbers you lose control of the process - remember that. How do you get to the actual decision makers? Again you ask " are you the guy who decides on this?" If no, it is not unreasonable to ask if you could deliver the offer yourself, you are the best in explaining the offer etc.

Once you get to the actual decision makers make sure they identify with the problem and accept it. If they do not, your solution is not solving anything for them = no sale.

How to make an offer they cannot refuse

In making the offer itself I always use the same trick I learned for the book Solution Selling - sit down with your prospect - in a pre-proposal meeting and create the offer with him. Show him the numbers and how you make the offer. Tell him that you are going over the offer and you want his opinion on some things. Then you sit down together and you show him the draft version of the offer and you go over some items. Often, almost always he will make changes to the offer - either take this thing out or lower this number or whatever. Here you need to stand your ground on sensitive issues - don't sell out.

Closing the sale

Now you deliver the offer. It is an offer that is bullet proof. It is a solution solving the company's biggest problem and it is going to help them earn more money. If you can do a return on investment plan that would be dynamite but the reality is that you cannot always do that. Now you meet the decision makers, present you case and the offer they have helped creating. Chances are they will accept it since they helped you to create it.

Now you get that signature and hand over to legal for contracting.

This is more or less how I sell every sale I make. I am sure that if you follow these steps you are going to turn your dead end no sale job into a winning streak of nothing but closing every month - guaranteeing you that sales commission. I also suggest that if you are interested in thsi topci you should read more on it on Entrepreneur.com

Random Lottery Number Picker Strategies

Lottery Number Generator :

There are two schools of thought with people that prefer to pick their own lotto numbers. The first is the school of thought of picking numbers that have sentimental meaning, like birthdays or other special dates. The second is the school of thought that you should pick random numbers. The debate of which method is better goes beyond the scope of this article. Rather, this article dwells into the second school of thought and provides some random lottery number picker strategies.

Random Lottery Number Picker Strategies

There are many different strategies you could use to pick random lottery numbers. Here are just a few:

• Using a toy lottery ball machine. You must have seen these before. These are the toys where you shake up the balls and allow six of them to drop down, just as a real lottery ball machine would, except that it is a toy. You could usually find these in the dollar store.
• Using a random number generator on the internet. There are many websites that you could find, just by querying a search engine, that could choose random numbers for you.
• Using random numbers that come to you in real life. There are many possible ways to do this. For example, I write a blog about lottery winners and once wrote a story about a woman that used the first six numbers that appeared on the front page of her local newspaper to use as her lottery numbers. Guess what? She actually won the jackpot.

The above methods of choosing lottery numbers are purely random because you have no control over what numbers come up. Of course, there are many other random lottery number picker strategies that you could use, just be sure that they are purely random. If you have any control, whatsoever, as to what numbers come up, it is not random.

Are You in Debt - This Article Will Change Your Life For Ever

Lottery Number Generator :

Within just a few weeks it will transform your life; No more stress or sleepless nights, you will be happy and life will be fun again.

Are You in Debt - This Article Will Change Your Life For Ever

This is NOT a get rich scheme (SORRY THERE IS NO MAGIC FORMULA).

(STOP NOW- do not use credit to finance your lifestyle, no more loans no more credit cards. (You are going to be a cash only person) stop giving away you hard earn money, once you are clear of debt and turned the corner you can then re-focus on becoming wealthy. The facts are you have NO option you MUST clear your debts, if you fail the consequents are Foreclosure on your home, your car reclaimed by the HP Company, court orders, bankruptcy.)(SORRY but that is the hard truth).

Quote from the course:

Nevertheless, that will NOT happen to you because you are going to implement the recovery plan that we will set out for you.

Are you in Debt? we receive many e-mails asking if an internet, e-commerce business can transform debt into wealth. We cannot promise that, to start any business takes commitment, you must be focused and have a business plan, set key objectives. You also need to have time to develop your new business.

If you are in Debt, you are often under pressure from your creditors, stressed. First consider you priorities:-

- Would you like to pay off your mortgage?
- Would you like to pay off your bank overdraft,loans and credit cards?
- Follow our plan, clear your debts, and become financially independent. (THEN you can move to the next level how to become wealthy).
- You cannot wish to pay off your debts; you need the commitment and the WILL to make it happen, which will require changes to the way you control your money and your spending habits.

Create a new future, turn debt into wealth:

Course content:

1. Step one make the commitment.
2. Actions that will move your bank account into the black.
3. Golden rules to success
4. Review your current financial status.
5. Were you ever taught how control your money?
6. Money makes money, your key objective to get debt free.
7. Why do we fall into the credit card trap?
8. Those cards must go. (High interest crazy)
9. You must operate on a cash only basis. ( you will quickly see the benefits, it is amazing the extra money it creates)
10. HP the monthly payments that cause you worry and stress.
11. Now you have the mind set to pay off ALL your debts.
12. Manage your spending. (Impulse buying will blow your plan right out of the water)
13. Being in debt can be due to bad luck; however, it is far more likely to be our own fault, failing to manage our finance.

The Golden rule, NEVER spend above your means, which includes loans credit cards, over spending on luxuries, cars, holidays, entertainment, drinking, smoking.

Evaluate you current spending habits, YOUR OBJECTIVE to clear all debts, have money in the bank, plan to make money and ensure a new future. Eliminate stress, worry, and depression. Freedom happiness and wealth is NOT just a dream. YOU CAN DO and YOU MUST DO IT. (Develop that mind set believe in yourself, do it for your family and for your well being and health).
We have set the scenario, now we take one-step at a time and make it happen.

Above all, you must be honest, with your personal assessments; you must also be realistic, DO not set impossible goals.

Step one make the commitment

You are about to take the most important step to clearing your debts and achieving personal wealth.

1. I am totally committed to following the advice in this manual, I will make changes in attitude and the way I manage my money, necessary to achieve my main objective build a debt free and wealthy future.

2. In order to plan your systematic recovery and transform debt into wealth we need to put our cards on the table, hide nothing, be honest and complete the following questionnaire.
Please complete the following questionnaire.

It will provide the status of your current financial position. (sorry in this format the table forms do not work, it is better if you are working with the correct forms/ tables ( read on once you are committed to giving it your best shot. you can go to our web page and see the FREE course complete with forms)

No Answer the following questions (Truth only) Yes or No YES NO

1 Do you carry you credit card balance over each month
2 Do you have more than three credit cards that on the upper limit
3 Do you ever use one credit card to pay debts or pay off other cards
4 Do you only pay the minimum payment on credit cards each month,
5 Have you reach your maxim limits on all your cards
6 Are you are struggling to even make the minimum payments
7 Do you have more than 10 years to pay on your mortgage
8 Do you have your car on a finance agreement
9 Have you taken out a second mortgage to pay off debts
10 Are you planning to buy a new car
11 Do you have personal loans, bank over drafts
12 Do you have store cards to purchase goods
13 Are you living beyond your means, struggling every month
14 Have you ever had your services turned off for non payment
15 Is the stress and worry causing health problems
16 Is the debt having an impact on your family relationships
17 Have you tried to find ways of earning more money
18 Are you under extreme pressure from your creditors
19 Are you considering bankruptcy
20 Are you in trouble with the bank or mortgage society

Now we face the decisive moment.

Total all the "YES" numbers

If you scored, 4-0

Not too much to worry about we can soon have you on the way the wealth and happiness.

If you scored, 8-5

You need to review your spending and focus on your options to make money.

If you scored, 13-9

You are managing to pay your way; you earn the money then have to pay it to your creditors (high interest). You need to concentrate on reducing your debts by controlling you excessive spending. Implement our debt payment scheme so you have spare money to invest, use you income and spare money to generate wealth.

If you scored, 17-14

You are on the ragged edge, struggling to pay your way, urgent action is required to stem to flow of outgoing money, consider every penny you spend do you really need to buy new clothes or have that expensive evening out. Focus on channeling the money saved to pay off debits, review the debts that are costing you high interest and pay them off. Once you see the benefits, your recovery will gain momentum.

IF you are 20-18

You are clearly deep in debt, you must be unhappy worried and stressed which will effect your well being and health.

We will help you get back on track, however it will take commitment by you and all the members of your family and you need to cut your spending. Put a plan into place to pay off the most pressing debts. NOW you need the WILL to implement the advice we will give you. (Think new future better life no worries or stress, security) Make this commitment get out of debt, to change your spending habits. This is the hard task. Do that and then you can look forward to a new future?

Learn from my mistakes:

Speaking from experience, I went to university attained a MBA you would think that I have developed the self-control to monitor my spending and invest my money wisely. NO! I did not I was spending more money than I was earning clothes, cars, holidays, living on my credit cards for a few years I had a high old life.

For nearly three years, I continue to impulse buy. Then I started robbing Peter to Pay Paul using one credit card to pay of another, transferring balances, taking out loans. WOW, I had spiraled deep into debt. Under pressure from all the creditors, could not sleep, each month all my salary already committed to creditors, outgoing much higher than my income.

OK it was my fault silly middle class girl who over spent. Why was I such a fool? Well we all want material things. We associate fast cars, designer clothes, with happiness. And fall into the trap of the media and the advertisers, to the offers of credit cards and loans.

I cannot recall any of my family or tutors teaching me the importance of being in control of financial affairs.

Now there are hundreds of ways in which we can fall into debt, I was a miss - guided fool. With many, it is bad luck, ill health, out of work, family problems. They wanted the best for their children.

The objective is to review the status, then formulate a plan transform debt into wealth.

1. Control Spending and credit management.
2. What to do with our salary (Money in / Money out)
3. Make changes, plan a new financial life.
4. Learn how to invest money, or develop a business.
5. Consider the future, pensions and retirement.

First, we will talk about the positive aspects of life and future. We all dream of winning the lottery, becoming millionaires over night. (It will not happen) The fact is if you do spend £10 per week on the lottery or the football pools. That is £520 pounds a year, invested weekly with compounding interest at 8% would provide you a substantial amount of money by the time you are 65 years old - depending on the number of years. On average for most people it would be well over £500,000.
Most of us will earn well over a million pounds in our life time, for example if you earn £30,000 for 40 years that is £1,200,000.

However, the sad fact is most people have no idea how to save or invest money, they give all they earn to banks, credit cards, loans, and high interest is hard-earned money lost forever. (Crazy but true).

If you are living on credit than you are giving away a high percentage of your money, money that, you could be investing and being paid interest.

STOP NOW- do not use credit to finance your lifestyle, no more loans no more credit cards. (You are going to be a cash only person) stop giving away you hard earn money, once you are clear of debt and turned the corner you can then re-focus on becoming wealth.

The facts are you have NO option you MUST clear your debts, if you fail the consequents are Foreclosure on your home, your car reclaimed by the HP Company, court orders, bankruptcy. (SORRY but that is the hard truth).

Nevertheless, that will NOT happen to you because you are going to implement the recovery plan that we will set out for you.

We now need to first motivate you, set key objectives and realistic goals.

We all have different life styles, often based on the salary we earn.

The rule the higher you fly the harder you fall. Applies:

If you live in a large expensive house, you will have much higher mortgage repayments. Top of the range BMW, you impress no one every one knows you are living on credit.
Therefore, before you try to impress with a new swimming pool or ponies and motor bikes for the children, stop and think can we afford to do this, would we be better to wait and pay cash. (Of course you would you know it makes sense).

If you are the average person, living in a three-bed semi, with a second hand car, and are a hourly paid worker, maybe in a factory or in the construction industry, the same philosophy applies. Yes it would be nice to impress your family and friends with a tan from a expensive holiday or a top of the range car, believe me they will only be impressed the first time they see it. You will be the one faced with 3 years of HP repayments, higher insurance, and the cost of fuel.

OK I know what you are thinking every one has a mortgage has credit cards and debits, Stop because you are having negative thoughts, NO it is not OK to be in debt, it complete madness and will never make you happy it will only bring you worry and stress..

Therefore, no matter what your station in life is the same principles will apply.

We are taking time to outline the reasons most of us find ourselves in debt, because if you can not accept there is a problem you cannot take the actions required to eliminate the problem (In this case debt).

We could show many examples of credit cards. They make it so easy, you always spend three times more than, if you were buying cash. Then the situation gets even worst, let us assume you have four credit cards, average interest 16.9% they have a combined outstanding balance of £5,200. If you only pay the minimum monthly payment = to 3% of the outstanding balance it will take you 20 years to pay those cards off and your payment would total £9,720 - work it out you have paid them £4,520 interest.

You know in your heart that you get a much better deal paying cash, often a lower price and you pay NO interest.

OK we never promised a magic over night formula, we did promise the plan that WILL take you from debt to being wealthy.

Key Objectives:

o STOP ---using credit NO loans or credit cards, now you are 100% cash. Think before you spend, do not buy until you have spare cash.
o This is NOT an option, if you are at present deep in debt, you will realized, the high life is over. You will be receiving legal letters. If you do not stop using credit, then you will reach a point where that decision will not be yours. Because once you are exceeding the limit on your cards and fail to make the payments, the credit card companies will put you on stop, and immediately inform the credit agencies. Then you are really in trouble, all the other loan companies credit cards will follow suit quickly. Your bank will also withdraw your over draft facility and monitor you account as high risk.
o Cut up those credit cards. Use only cash, and only when you have spare cash, you need every penny to pay off your debts. You must learn to live a cash based life style.
o Pay off ALL your debts including mortgage, ( we will tell you how to do that in the shortest possible time)
o Learn to invest ALL spare money wisely, your main objective will be to generate wealth,
o Phase 1 set aside money in your emergency saving fund.
o Phase 2 Focus on building long-term retirement wealth, we will guide you to save investment that will generate income without the need for you to work. (You will have financial freedom) Enjoy life travel, play golf, go fishing. Have fun been happy.
o Now in the first few years you are going to throttle back, drop out of the fast lane, no more living on credit and accumulating debts that will eventually bring you crashing down, maybe cost you every thing house, car, family. (That would be devastating)
o Work hard for real freedom and independence; soon you will be the one being in charge in complete control of your own destiny.
o Simple rules, cash only, no loans, no more monthly HP agreements.
o Your family and children will need to understand that from now on all spare money will go to pay off debts. ( Hard to say no to a tearful little girl who wants a new play station game) Still a lot better than telling a teenage daughter, we are going to lose the house because we have not paid the mortgage.
o OK this is not rocket science; it is just plain common sense. You can dream and it is important to have the vision that in 5 years you can be completely debt Free.

The plan:

Prioritize your debts, (we will provide the formula).

List All your creditors ( Debt is money you owe and are legally committed to repay) (Expenses = Money you pay out each month for Gas, Electricity, food, petrol, take items that you pay every year for example car insurance, and divide by 12).

First, clearly understand how much you actually owe, what rate of interest you are paying.
Complete the following work sheets designed to help you and your family to understand where the money going. Invite innovated think and ideas as to how you could save money.

(A) Monthly Living Expenses

Living Expenses Actually cost Saving

Rent
Council Charges
Electricity -
Gas
Telephone / internet
Water Rates
TV company ( Sky)
Food (total for every thing)
Entertainment.
Children Pocket money
Car expenses
Car 1 petrol (only)
Car 2 petrol (only)
Maintenance
Road fund Tax
Insurances
Home insurances
Medical Care
Children's Education Expenses Books Tuition etc
Clothing and Miscellaneous
Other expense

Total

(B) Major Purchases - over 12 months divided by 12

Holidays
Car purchase
Major House improvements
New Furniture
New Kitchen equipment
Garden plants tools
Gym or Golf club fees
Season tickets
Recreation expenses
Miscellaneous expenses
Cash spent ATM etc
Total C/f to summary

(C) Debt payments

Name of Debt Total

Balance Monthly Payment % interest Full amount or min

Mortgage
Second Mortgage
Car Loan 1
Car loan 2
Bank Loan
Over draft
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Other debts

Total C/f to Summary
(D) Monthly Income
Monthly take home salary
Second income
Benefits DHSS
Pensions
Part time job
Internet income

Total C/F to Summary

Totals carry forward

Personal Financial Statement - SUMMARY the points of reckoning, you now need to insert you figures.

E.g., total income - total Living expenses- total debt payments.

Which we hope will give you a positive result, e.g. more income than outgoings? Referred to as disposable income a true measure of your current capacity to decrease you debts and increase your wealth. Taking these initial steps should have provided you with the base information to empower you and your family to focus your efforts and give you the means to measure your progress.

It is important that you share this information with your family.

Depending on the result of Income (- outgoings) your objective will be to ensure that you have a minimum of 10% of your total income as disposable income, that is the money you are going to use to clear your debts in order of priority.

It will depend on your original check on status if you were in the 18-20 range then the figures may indicate that you have debts and expenses that exceed you present income.

If this is the case, you have NO option: You must cut your spending. All luxuries, none essential expenditure, holidays, two cars, smoking, drinking, golf club, gym, entertaining, clothes, furniture, children games, garden plants flowers. In place of golf the gym going to the pub, find spare time work earn more money.

If you DO NOT TAKE THESE ACTIONS NOW, you WILL lose your home, you will face bankruptcy. This is the hard line truth.

Total income
Total Living Expenses=
Debt Payments
D - Total of AB&C =
Disposable Income

Right now your head will be spinning, you were expecting an easy way out, there is no easy way out it takes total commitment.

We did warn you TOTAL commitment.
NO MORE CREDIT CARD spending
NO MORE LOANS
NO MORE impulse spending
NO MORE Holidays (Until you are clear of debt)

You are now on the road to recovery, you are going to transform you debt into wealth.
You first step was to create disposable income = Income minus outgoings.

Your starting point should be 10% your monthly gross income.

Write down each debt in the first column 1, total balance in column 2 the minimum payment in column 3, then you divide the total balance by the monthly payment, insert the answer in column 4.

Next, you need to prioritize your debts in column 5 Start with the lowest division answer in column 4 until they are numbered.

Column 6 that is where you start to see the benefit, to show the debts as they are cleared (Paid off).

To know how many payments to pay off: You divide column 2 by column 6 = the number of months in column 7.

First you use your disposable income to increase the payments on debt 1, what will quickly clear that debt, at which point you now have even more disposable money all off which you use to accelerate the payment of debt 2, as each debt is paid you roll it over to really accelerate the payment on the next debt. Once you pay all debts off, then you have ALL of the disposable income to invest. Now you have gone from debt to building wealth.

Invest wisely NEVER go back to credit cards or loans only live on a cash basis. Moreover, plan for retirement.

Name of Debt Total
Balance Monthly
payments Division
Answer Pay off

Priority Additional monthly payments Months to pay off

Column 2 = total debt £------------------------

Column 3 = Total Monthly payments £------------------------
We trust that you can see the philosophy, and the benefits of using ALL your disposable money E.G. Income minus outgoings to accelerate repayment of your debts, then the amazing acceleration that takes place as each debt is written off you have extra money to pay of the next debt ( In order of priority).

This is a WIN -WIN situation, once you see it actually working and no more creditors chasing for money, do not relax maintain total commitment this is not just about clearing your debts this is about a new life, (CASH ONLY).

In just a few years, you will be in a position to create wealth for you and your family. You will have taught your children how to manage money, never to worry about you future again.

Now you will really have the respect of your piers, friends and family. You will own every thing the house, cars. Take that five star holiday all paid up front CASH.

I wish you good fortune;

If you need further help or would like the Excel forms to monitor and record transactions FREE please do not hesitate to contact us.

Your Faithfully

Kenneth Yearsley

The Secret To Having A Successful Online Business

Lottery Number Generator :

For three years in Internet Marketing, I've tried to find what the secret was to having a successful online business. During the first 9 months it was pure money-loss. I've lost count the number of downline clubs, retire early opportunities and other get rich stuff on the web which I've joined. I thought I was robbed in broad daylight in the cyber world. The phrase "Why me?" started to come out.

The Secret To Having A Successful Online Business

In the following year, I studied home business on the internet with real products. I studied people selling ebooks, membership sites and other software. I was looking about in all sorts of forums and was generally gob-smacked by hearing how others so easily make their dough on the internet. I was still looking for that secret.

During this period of discovery, I have bought a lot of information products. Ebooks which describe how to effectively write emails, copywriting, self-help books and the best systems to generate email leads etc... Software were also a part of my arsenal of tools which include autoresponders, customer service tools, copywriting software, audio generation software and so on.

I was an affiliate of a lot products and membership sites and I even created several websites of my own. The amount of money I've spent was starting to hurt me. It all added up to a lot of money. Not even the expensive courses I ordered helped me. I was in the situation where I was spending a lot on information but the result did not show it.

I've bought a lot of ebooks, courses and software and some are really good and some are as awful as rotten eggs. For a list of the ones I personally recommend you can send an email to my autoresponder at mailto:secretstpw@onlinemoneymachine.com

The question I was keep asking myself was "What am I missing from this puzzle?". From all the books and audio courses I've been through, I should be kicking butt by now.

It took me quite some time but I finally cracked it. I finally found the missing piece of the jigsaw. The secret was "There is no secret".

I realized what I was doing wrong all this time. I was trying to find that one single magical solution that would crack the code so that the money will coming pouring through. I did not know that I already had the knowledge to make my living on the internet but I was still searching for the holy grail.

But don't worry. I've done all the hard work and now I'm telling what I've learned here. If you've been reading books on successful marketers, visited their websites, read through forums and have actually started to advertise as an affiliate, you've already got a lot of the skills and knowledge to succeed.

If you are in the same situation as I was then please stop what you are doing and listen up. Don't expect to learn a big secret on succeeding on the internet. All you have to do now is to have a target, have a plan and then take action on your plan.

Don't fall in the same trap I did in searching for the magical pill that will open the floodgates of money. I think one of the reasons is that both you and me think that the others who are successful, are doing it easily. Therefore we should not struggle to make our riches. There must be a secret that they know but we don't.

If you insist in thinking that there's a definite secret to an online home business then it will have to be work hard, persistence and planning. Have a goal and never go off-target in your actions.

When we read how other people are making their living on the internet and how much they have earned compared to their dead-end job, we don't see the hard work behind their success. The successful online business owners only tell how successful they are and how much money they have. But rarely do they tell us the hard work and planning they have put through to make them the way they are today.

Take a pop star for instance. We see them perform on stage and release albums after albums and also act in films. But do you realize the effort and hard work that they have put through? No. We only see the glamour. We don't see the exercises, training, working late nights, slimming etc.. which nearly all successful entertainers do.

So has it finally hit you in the head yet? Don't wait for a secret to come. Start right now and do some planning. Plan what to do, what to achieve and plan the schedule of your actions. Work hard and improve your income weekly. Don't expect to be rich over night or a few months. Work on your business consistently and increase your income every week. Your riches will come but gradually. We are building a business and not buying a lottery ticket.

How Does the Euromillions Millionaire Raffle Work?

Lottery Number Generator :

UK players now get a second chance to win with EuroMillions. A new draw started on Friday 13th November 2009 called EuroMillions Millionaire Raffle. This is drawn every week before the main EuroMillions draw takes place.

How Does the Euromillions Millionaire Raffle Work?

The big prize is £1 Million, and because the game is a raffle, it is guaranteed to be won by someone every week.

Who Can Play?

Only players buying tickets in the UK are included in the draw. This is an add-on game for the UK only.

How Do You Play?

You just buy your EuroMillions ticket as normal. But each ticket will now automatically include an extra raffle number unique to that ticket only.

If you buy more than one line of numbers, you will receive a unique raffle number for each entry.

What Does A Millionaire Raffle Number Look Like?

Raffle numbers are 9 digits long, made up of three letters then six numbers, like this ABC123456.

Can I Pick My Own Numbers?

Sorry, no. Each raffle number is created when printing your EuroMillions ticket. But it doesn't matter anyway because one number is selected at random out of just those allocated (i.e. a raffle, not a lottery). That ticket wins 1 Million.

What Are The Chances Of Winning?

The EuroMillions odds have not changed. But your chances of winning the Millionaire Raffle depend on how many people in the UK buy a EuroMillions ticket. That varies from week to week.

Typically about 6 million tickets are sold in the UK each week. So your odds will tend to be around 1-in-6 million. But special draws and rollover draws sell a lot more tickets, so the odds will be a lot worse for those weeks.

What's The Catch?

Well the catch is, if you live in the UK you now have to pay 2 UK pounds for a EuroMillions ticket! (Tickets used to be 1.50). So you're effectively paying 50p to play Millionaire Raffle. Unfortunately it's not optional, but it isn't terrible value for money either given the prize and typical odds.

Can I Play If I Don't Live In The UK?

Only EuroMillions tickets bought in the UK will include the raffle number.

If you do want to play but don't live in the UK, you can join a UK based EuroMillions Syndicate (if they buy their tickets in the UK all their tickets will include the Millionaire Raffle entry).

Lottery Winning Number - Know the Best Combination for Lucky Winning Numbers

Lottery Number Generator :

If you don't have the luck in picking your lottery winning number, then follow these tactics. Try to follow the guaranteed winning guidelines in getting the million dollar prizes.

Lottery Winning Number - Know the Best Combination for Lucky Winning Numbers

There are rules for the lottery winning number especially in combining the odd-even ones. Just try to mix them in corresponding blend that includes two even and or two odd, or three even and two odd digits. But this result occurs rarely so you can just pick your best choice.

Always remember that the lottery winning number can just be found in the number field. Never cut it in half because it might lead to lose the balance of the number. The high and low numbers are also rarely drawn and occur only around tree percent each instance. It is also best to choose two low and three high, or three low and two high.

You should know the best combination because there would be a very big possibility that you will just waste your money when you are unable to use the best lucky winning numbers in your combination that will increase your chances to win the prizes in lotto. Always think about your patterns and your advantages against others.

For the group strategies, you can check the list of the past winning number jumble. You can also track and study the combinations that can make you wiser in selecting numbers and skip the failures.

Make sure also to add and check the sum of your chosen numbers which should always range from 106 up to 179. Never to forget this tactic after you pick your lotto number because this has around 70 percent of winning chance.

Always also remember the last drawing because there might be a repeat hit especially in MEGA millions. This strategy has 42 percent chance. All of the lotto numbers are also to stretch out which means that your chance of winning will also be odd.

Know the best combination and never try to use again the numbers of the past winning players. There is a less possibility that it will be drawn again and also so better to avoid picking four consecutive numbers in your lotto games.

For the popular combination 1-2-3-4-5, never try to use this like others what usually do. It is not a good mix and very rare to win in lotto history.

On the other hand, using patterns is also quite popular because numbers are being marked following straight, vertical, diagonal lines. This also means that if there are many winners in this number combination, all of you have to share with the prize.

Best advice also is not to make a number combination that has same last digits. Mostly of the players are also choosing their birth dates and other important calendar numbers. This means that it is possible to have a lot of winners for that lottery winning number.