List Building - The Best IM Scheme

I was the most skeptical person that I know. I doubt too much, questions a lot and apprehend matters 'til analysis-paralysis devours me. But I don't blame myself for this, it's such that I don't want to be lied for that would really be a shame being a sucker. Sorry for the word.


Internet Marketing is like blue waters under the cliff. It looks so nice. You wanna jump and experience the thrill. The adrenaline rush that you feel when airborne and the moment your toe touches the waters is breathtaking.

But the problem is this: You never know what lies under the waters. Could it be a sharp concealed rock or a sea monster with mouth opened? Nobody knows. But one thing's for sure - It is truly rewarding!

Recently I signed up for a List Building campaign on 5FigureDay and I got so excited. Of all the many ways to Make Money Online, I simple chose List Building as my first income stream for solid reasons.

1. Building a list is for Long-Term.

Having a list of email addresses interested on online marketing niche is the best, by far. The list that you build provides monthly recurring income for unlimited time unlike any other MMO schemes.

2. List Building is building relationships.

When someone signed up under you, there is a responsibility to take good care of your list since this will become your long-time customer. As soon as trust is built between you and your customers, chances are they will always buy everything that you offer for them. Now that sounds really really great.

3. Easy promotion.

When you are building a list, the best way to promote to them is through Email Marketing. Simply put, it is sending emails to your subscribers every time you have some products to offer. So when your subscribers trust you enough, there is nothing to worry about. Every month there will always be buyers of any product that you promote, and that means massive affiliate income on your part. Does that make sense?

P.S. Want to try List Building for FREE - no cost, no commitment, back-out-anytime-you-want offer? Join here and I will walk with you hand in hand.

Staying Motivated

Source: Wikimedia

I've tried to create a habit where I have a 20-minute exercise everyday. It worked. For a week. It was no different with money. So, I've kind of automated myself by spending on it immediately. Spend to save and invest. My money move immediately when it comes on payday. Then, I reward myself.

I spend on things like soda, strawberry smoothie ice cream and indulge after I do something for my financial well-being. The little things I love become rewards for myself. If you've seen animal trainers giving snacks as reward for the animals after they do something, this is basically using that technique.

The final two steps is about staying motivated, moving forward, and the importance of creating a healthy habit. And so, we have finally crossed the finished line, 30 steps to a better financial future. Let's go!

Why financial literacy belongs in our schools

On Friday night I was honored to receive the William A. Forbes Public Awareness Award, made possible by the Calvin K. Kazanjian Economics Foundation to the Council for Economic Education. The award recognizes an individual who have advanced public awareness of the importance of economic and financial education.

I chose to make the most of my opportunity and advocate for the need for financial literacy. Here was my speech...

I am going to be blunt tonight, but truthful. I have mixed feelings about receiving this award. On one hand, I am deeply grateful to CEE, Nan and Mike McDowell of the Kazanjian Foundation for the recognition of my life’s passion and purpose. I am thankful to teach in Reading Community City Schools, a district who shares my passion, while being lucky enough to receive robust professional development support from Dr. Julie Heath and my local Economic Center at the University of Cincinnati. On the other hand, this award only exists because we need champions for a cause that Americans believe should be our educational duty. To be more specific, a recent Harris Survey found that "99% of U.S. Adults Support Personal Finance Teaching in High Schools", yet only four states have required it be taken as a stand-alone semester long high school graduation course. So while countries such as Russia and Great Britain are including it in compulsory education, we continue to pass hallow legislation that is absent many of the recommendations CFPB Director Cordray referenced in his speech on Thursday; that is of course if your state has passed any at all. For a country with our resources, and a culture that derives from a capitalistic spirit, this is unacceptable.

Practically speaking, if Personal Finance is not legislated as a stand-alone semester long graduation requirement taught by a trained teacher, the consistency and quality of the implementation of the course is spotty at best. Legislation should also include the K-12 integration of financial literacy concepts; the addition of personal finance questions into standardized tests; professional development for teachers that stresses learning through hands on experiences; and tools for parents to teach their children about money.

For a moment I’m going to pause and give thanks as a parent to those of you in the crowd who integrate financial literacy in the elementary and middle school grades. I am a father of two elementary children and a middle school child. My children, in particular my oldest two, are drawn to an economic and financial way of thinking. When their teachers integrate financial and economic literacy into their Math and English lessons, they better understand the Math and English content, and are further motivated to learn because it’s relevant to them. And as an educator, I am equally grateful as the concepts you are scaffolding at an early age prepare high school students to better understand the complexities of personal finance; a big thanks to each of you.

For those of you in the crowd who teach high school students, in particular 10th-12th graders, you know first-hand that we are providing a just-in-time financial education. Most of our students are making financial choices, and many have jobs; pay bills, pay taxes, have accounts at financial institutions; make car payments; pay insurance; and most importantly - - are preparing to make a student debt choice. Study after study indicates that the best time to provide financial education is when consumers are closest to making financial choices. For most 10th-12th graders, those opportunities exist now. Not only do we know it’s relevant, they know it’s relevant! For students who are neglected this education, year after year we continue to matriculate them into the University of Hard Knocks.

Before I move on, Mary Blanusa, if you would, please stand and be recognized for the tireless effort you have put into the CEE Advocacy program. 

I began by saying that I had mixed emotions about receiving tonight’s award; and a final reason is because education is a “WE” profession, not a “ME” profession. Our students can only be successful if our efforts are collective, and that includes advocating for financial literacy in our schools. So please use the Advocacy resources on the CEE website to lobby for financial education in your state. Every child deserves a financial education, and by the way, that includes special education children too.

We know young people today are facing financial distress. We know it impacts workers, and is a major factor in divorce. And we know that the 16 million American students currently living in poverty may not have voices yet, but we do. We may not be able to change the financial challenges our students face as children, but we can empower our students to tackle these challenges as adults. We owe it to all children to advocate for their financial education.

Thank you.

Go To Resource for Financial Literacy

I recently updated my comprehensive LiveBinder with a financial literacy research tab, as well as other resource additions. I put the LiveBinder together to generate one free go-to resource to help my fellow K-12 educators who are teaching or integrating financial literacy.

It includes national standards, tools and resources from various content associations and organizations, games, and content experts to follow. Be sure to click on each sub tab.

CEE Presentation 1: Tips and Tricks to Integrate Technology into Personal Finance

I presenting three times at the Council for Economic Education National Conference in Baltimore. The goals of my first presentation were:

• Share technology tips and tricks for a Personal Finance course that can be integrated into pre-existing lessons

• Share technology tips and tricks for a Personal Finance course that nudge student content understanding to appropriate financial behavior

Click here to download an overview of the presentation.

Laser Blast and Rampaging Robot Damage Not Covered: Insuring the Cars of the Future

Edward Oberg, currently on hiatus from the insurance game, now spends his time reading pulp genre novels, shaking his head in dismay at the state of movies these days, haunting yard sales and hunting for the monster brook trout that delights in mocking him. He has vowed to defy the accepted wisdom regarding boring insurance reps by being extremely interesting.

The 1989 classic (it’s classic to me at least) action/sci-fi/comedy Back to the Future II introduced its audience to a wild, sci-fi, semi-dystopic cyberpunk-y future in which businessmen wear many ties at once, the Japanese pretty much run the United States, holographic sharks leap at you from movie marquees, bio-enhancing implants are available to the local bully, hovering skateboards abound and, most importantly, hovering cars are the most common form of transportation. (And they run on garbage-fueled cold-fusion reactors.) So when will all of this come to pass, according to the movie’s creators? In the year… *dramatic pause* …2015.

I remember watching that when it was released and deciding that while most of it was probably not going to happen, we’d probably at least have a few flying cars zipping around by then. Well, there are only a couple of years left until 2015 and we have yet to see them. Disappointing as that is, there’s a fairly good reason for it- all the flying cars even prototyped up have been extremely expensive and profoundly impractical, plus our infrastructure couldn’t really support them. However, that infrastructure is more than capable of supporting smarter and more efficient cars- it already is supporting them actually.

So the good news is: while Back to the Future II’s flying cars won’t be hitting your local showroom in the near future, your vehicular sci-fi fantasy need not be totally abandoned. The viability of self-driven, super-smart automated smart cars like those from say… Minority Report are looking like a certainty. And as our cars evolve, so must our strategies for insuring them.

Car Brains: Getting Better All the Time

It’s hard to know exactly how exactly increasing automation in automobiles will influence rates. Based on the current trends of computer and technology enhancement in cars it’s tempting to suggest that buyers could just rely on an insurance rate-lowering metric that says: the more computerized features a vehicle comes equipped with, the less your insurance will cost. Safety innovations (in rough order of increasing technological advancement) like seatbelts, crumple-zone improvement and reinforcement, anti-lock brakes, traction control, airbags and so on were all controversial (and some still are) to varying degrees. Now they’re all pretty much must-have standards that come as an insurance-rate reducing safety package.

Newer automotive automation features like Electronic Stability Control (ESC) seem to bear that trend out. And more so than the other features mentioned, ESC is also one step closer to the eventual goal of actually automated driving. Using a computer program to detect and predict loss of control, slides and skids, ESC automatically engages brakes optimally and individually; some versions also reduce engine power. Importantly, it does so while still allowing the driver some control.

They’ve proved to be very effective- according to data compiled by The Hartford, ESC systems lower the risk of a single car fatal accident by half and slash the risk of rollover by as much as 80%. It’s no surprise that this is the case. Considering that the vast majority of all vehicle accidents are directly attributable to human error, it would seem like the higher an auto’s CPU-to-you ratio is, the lower the risk. Computers don’t get distracted, sleepy, or intoxicated, they never feel compelled to text, eat or answer the phone while driving, they don’t get road rage, etc. They can also compute, analyze and react to certain types of data way faster than people can.

So Automation is the Answer and All of Our Super-Safe Robot Cars Have Super-Low Insurance Rates, Right?

Well… yes and no. Here’s the problem: as mentioned, your car’s brain can blow you out of the water when it comes to reaction time or the analysis and the incorporation of data like speed, the tiny details of braking in relation to road conditions, the precise distance between you and the vehicles around you and so on. But, there’s one area in which your super-smart robot car is a totally stupid idiot compared to you: interpreting and reacting to human beings.

There’s a fair chance that every time you’re behind the wheel you unconsciously and casually observe, analyze, interpret and react to human interaction stuff that would elude even the most advanced computer. For example- if you pull up to a four way stop slightly after the driver to your left and you see that driver looking at you and tentatively pulling forward slightly, chances are you would ease off the gas and let them go. They’re cautiously signaling to you that they are indeed planning to go first. However, if you glance over and that driver’s stopped completely and staring off into space, chances are you’ll go.

Beyond the subtle, nearly infinite inter-personal communication cues we give each other, all other humans on the road are still wild cards. Even the best automated vehicle probably isn’t going to notice the erratic, intoxicated, unstable or aggressive behavior of another driver some distance away or follow that intuition gained from years of human interaction which tells you to back off, avoid, slow down, speed up or make whatever other choice because a computer’s working with logic and data, not mess humanity.

What it boils down to is this- the safest roads will be those traveled entirely by automated vehicles that are all following the same rules and all make the best, most-logical driving decisions based on the data at hand. While technological advancement is going to make the roads safer, until all vehicles are automated giving a human being some measure of control is probably going to be a necessity and you don’t necessarily want to be the only person being driven by a computer on a person-filled highway. However, any technology that improves a human driving/avoidance/reaction function rather than replacing it is going to be a hit with the insurance companies and your rates will reflect that.

Make Fortune Overnight with Binary Options Trading

Binary option trading is the riskiest but the most rewarding option of all the trading types. You get the cash/ asset or nothing in return of the investment made. The trader needs to have strong intuitive knowledge pertaining to the movement that occurs in the market and he can choose a specified limit where the investment can be anticipated to reach. If the options price does not reach the speculated figure, the trader gets nothing. This trading option is considered the easiest to practice as the trader need not make estimates about the magnitude of the market movement but only the direction.

Binary Options Trading is very Easy to Practice

There are number of online binary options trading brokers available who can make this trading style a cakewalk for you. Quite easy to follow, you start with a very small amount of money and based on the result of the speculation made, the resultant amount or nothing will be credited to your account on the chosen date. Initially, you need to practice the speculating techniques to simulate results; you may stumble upon losses too. But with sheer practice and knowledge of the market movements, you can earn lots of money using this simple trading style.

Binary Options Trading Needs Better Understanding of the Markets
It is a proven fact that the investments made during low times always pay well at later point of time. Binary options trading becomes much easier if you take a look at the market trend that is prevalent during economic crisis and how the investments made during those times multiplied when the market bounced back. This is the main food for thought while going for binary options trading. People, who have better understanding of the investment scenario and can speculate better about the fate of any specified sector in coming years, can really play their cards well using this trading style.

Binary Options Trading is seen as Money Making Tool by Many

There are number of profiles like investors, brokers, and business players who keep sharp eye on the movement of the market. The business holders of considerable cadre who are involved in hedging use binary options trading as a ready made option to cash upon the experience they have gained in the past. It seems to be quite similar to the double or nothing round that you play in the game of flash.

Not Everything is Rosy with Binary Options Trading
Binary options trading needs to be dealt with required caution. If you believe a lot in your business instinct and have concrete proofs to support your notions too, this trading style is just made for you. But simply having a vague idea about the market movement can put you in big soup. Hence, you need a reliable broker to help you enjoy the money that you make out of your own investments. If the decisions about exiting the option or trading it are not taken within the correct time frame, you may land up making losses too. Thus, use binary options trading for becoming rich overnight but understand the cons too before taking the final plunge.

About the author: Samuel Beckett is a trading expert and reveals his best tricks to understand the market closely and get hold of a reliable binary option broker. For a detail understanding of the way the market moves and finding the right broker, you can visit http://www.best-binaryoptionsbrokers.com