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Today's Feature Article

Personal Loans And Payment Protection Insurance
Martin Sumner

Whenever you apply for finance such as a personal loan or a credit card, you're likely to be encouraged to take out an insurance policy to cover your repayments should you be unable to work because of illness or redundancy. Payment Protection Insurance, or PPI, can be useful in mitigating the financial effects of a sudden and drastic change in circumstances, but there has also recently been some controversy over the way it has been sold to customers, who in some cases were not properly advised on whether or not it was appropriate to their circumstances.

There are several things you need to consider before taking out a policy.

The first is that, under current financial services regulations, taking out payment protection insurance can't normally be made a condition of being accepted for a loan. In other words, the loan company can't force you to take out a policy, although in many cases they will strongly recommend it, not least because it is generally a very profitable product to sell.

Secondly, if you do decide to take out payment cover, you are under no obligation to take out the policy with the same company you're obtaining finance from. You can probably get a better deal by shopping around, and using one of the many price comparison sites across the internet.

Although the prospect of having your repayments covered for a while if you're unable to work may seem attractive, before taking out a policy you should check the small print carefully to see whether the policy covers your own individual situation. In some of the mis-selling cases of recent years, borrowers have made a claim on the policy only to find out later that their circumstances at the time of their application rendered them ineligible for the policy and so their claims were rejected outright.

Common exclusions for PPI policies include illnesses or conditions which predated the issuing of the policy, not being employed on a continuous basis for at least the previous twelve months, and being self employed, which most standard policies don't cover. Many policies also exclude complaints such as backache or stress, which even though they may prevent you from working, aren't always classed as a bona fide illness by insurers.

You should also check if you already have insurance cover in existing policies, such as that offered by your employer as part of your working conditions. All this should be explained to you before you sign up, and should it not be, you still have the legal right to a full refund during the 14 days 'cooling off' period after taking out the insurance.

Finally, if you think that a PPI policy might be a good idea when taking out a new loan or credit card, it's always worth seeking the advice of a professional financial adviser, rather than just accepting the policy presented to you by the lender. While PPI can be of great benefit if things go wrong in your future, if you get an inappropriate policy it might not be worth the paper it's written on.

********************************
Martin writes for ADM Online who offer secured loans and poor credit loans to people of a wide range of circumstances, with no upfront broker fees or charges.
http://www.admloans.co.uk/secured-loan.html
http://www.admloans.co.uk/

Today's Motivational Reading

How To Work With Beliefs To Change Your Life For The Better
Alan Tutt

There are 2 ways to work with beliefs in order to improve our lives.  The first of those is to work with the beliefs we already have and use them to produce results.

The concept here is to use what we already believe in order to produce changes. For instance, most of us believe that flipping a switch on the wall will change the state of a light, either on or off. We also believe that placing a key in the ignition of a car and turning it will cause the engine to come to life. These are beliefs that produce a result when we comply with them.

Forgiving others in order to be 'forgiven' ourselves is a belief that works for those who truly believe in a God that punishes us for our mistakes. Blessing others so that we may be blessed ourselves is another belief that works for those who truly believe in the process. However, if you have doubts whether this works or not, then results will not be quickly forthcoming.

And that leads us to the other method of working with beliefs, and that is to change what we believe will produce reliable results.

You see, the universe is set up in such a way that our beliefs are reflected in our experiences. If we believe that others are critical and uncaring, then our experiences will reflect that belief and we get hurt and become lonely. If we believe that "the economy" is tight and money is hard to come by, then our experiences will reflect that belief and we find out what it's like to be poor.

However, when we believe that our lives ARE blessed and that more blessings are coming to us each and every day, then the universe has a different image to present to us.

Think of the world around you as a movie screen, and the beliefs you have within you comprise the film that is projected upon that screen. As soon as your beliefs change, the image on the screen changes to reflect the new beliefs.

But here again, knowing the cause of a problem and being able to DO something about it are two different things. What we need is a process that will automatically and naturally alter the beliefs within us.

There are actually several processes that have been used over time. One process is prayer - and this works when you believe it does. Repeating affirmations about what we desire as being a current reality is another process that works when you believe in the process.

As you'll find on my content site, I found a way to use affirmations that doesn't require that you believe in the process, because the belief is CREATED by the process, or at least transferred from one set of beliefs to another.

This process comes from NLP, and uses something called "pacing and leading" statements. You start out 'affirming' things that you already believe are true, such as "My name is _____.  I live on planet Earth. Two plus two equals four. I am having a hard time right now."

By pacing your current beliefs, you are gathering momentum that will carry over into a new statement that immediately follows. This 'pacing' affirmation picks up the belief that you already have in the 'leading' affirmations. So one example of using this process would be:

• My name is _____. (pacing)
• I live on planet Earth. (pacing)
• 2+2=4 (pacing)
• I am having a hard time right now. (pacing)
• But things are about to improve. (leading)

Four leading affirmations is a minimum, although you don't need any more than 6 or 7.

If you think about the 'strength' of a belief as something that can be measured on a scale, and you measure the strength of your belief that life is about to improve for you before you start this process, by the time you've said a few pacing affirmations and then a single leading affirmation, and then repeated the process a few times, you'll notice that your level of belief in the new statement is growing a little at a time, until you reach a point where you accept the statement as fact.

This is where things really get interesting, because once your inner mind accepts the new statement as fact, the universe has a new belief to reflect back to you in your life. The net effect is that life will begin to improve for you.

Obviously, this only touches the surface of things. We all have thousands of different beliefs within us, and some beliefs will counteract other beliefs.  When you think about the 'new' leading affirmation, some thoughts will come up that will refute it.  Take note of them, because they are showing you what you believe on a deeper, inner level.  These will be beliefs that you'll want to change to support your new desired experiences.

Another process that you can use that also helps to reshape our beliefs is creative daydreaming. By spending some time daydreaming about the life you want to live, your inner mind becomes conditioned to the idea and will accept its possibility more so than it did before. This is the basis for what has been known as "creative visualization" although the visualization itself doesn't actually change anything, it's the beliefs that are affected that do the work after the visualization process is finished.

You can take this process one step further and extend it out into the world around you by 'pretending' that things are the way you'd like them to be. As kids, we had a natural instinct to pretend, and it does seem that this is a powerful process that has the potential to change everything.

The bottom line is that the universe will reflect your beliefs in the experiences you have. It's as if our beliefs act as a magnet to 'attract' related experiences to us. Once you alter your beliefs, your experiences will change as well.

********************************
Alan Tutt writes books and produces audio programs designed to help you empower yourself to create the life you desire. He also maintains a blog or you can get an excellent free course at: http://selfhelp.thecassiopeia.com/

Today's Subscriber Article

7 Basic Rules for Internet Marketing
Mark McCullagh

Internet marketing strategies involve driving targeted (people who are interested in what you have to offer) traffic to your website, blog, or sales page.

That traffic then has to be converted into sales. This simple formula illustrates this process:

Traffic + Conversions = Sales

Keeping this formula in your mind will help you in your internet marketing efforts because you will realize that you not only have to generate traffic, but also turn those visitors into buyers.

Furthermore, here are 7 basic rules to follow when applying this formula. These rules are relevant to all forms of marketing but are especially important for online marketing where inexperienced people can "burn" a lot of money quickly and become very discouraged.

1. All marketing involves RISK.

Whether you are trying something new or "copying" a strategy that has brought good results for others, there is still an element of risk.

When speaking of risk, you tend to think of gambling which makes for an appropriate analogy here.

For internet marketing, we try to reduce the risk and swing the odds in our favour by doing keyword research, learning skills like ad writing, article marketing, and pay per click, and other general marketing activities such as knowing what your target market is interested in.

2. Test small first.

Reduce your risk by testing a marketing approach on a small scale first. If it works, then increase the scale and create momentum.

This is how to make money!

3. Be consistent.

Successful marketers do something to propel themselves forward everyday. That is their secret.

A good practice is to create a to-do list every night featuring 5 actions that you must complete the following day.

By doing this at night before you go to sleep, you engage your subconscious mind and the next day you will know what you have to do and be on target to complete these tasks.

This is a very powerful process. Try to do this, one day at a time, until it becomes a daily habit.

4. Set a budget.

Determine what you can afford to spend on advertising on a monthly basis. In this way you can set and manage your expectations.

This should also prevent you from trying things you cannot afford.

5. Diversify.

Spread your efforts as much as you can over many different sources. This will also reduce your risk and help you to discover what works.

Remember that if one internet marketing method that you try does not produce results, you have not failed. This just means that you are one step closer to finding something that DOES work.

6. Learn how to write effective copy.

The skill that will make or break you in internet marketing is copywriting.

It is especially important to learn how to write headlines. There is a ton of good information online that is free regarding headlines and copywriting. Just do a Google search.

7. Take action, test, and track.

Tracking is essential because you absolutely need to know the results of your marketing efforts.

Once you start getting results, you can employ simple tests to see if you can improve. Often this testing involves strategies that are free.

One such strategy that comes to mind is split testing. You can do this for free, and it can provide incredible returns. Generally speaking, split testing involves making slight changes to a landing page or adwords ad, often just the wording of the headline, and testing it against a current version.

I have seen very simple changes DOUBLE the productivity of an ad. It's not only amazing, but also a lot of fun! Marketing takes work. You simply cannot get something for nothing. Massive action creates massive results.

So take action and do not be afraid to fail. Remember to minimize your risk.

****************************************
Mark McCullagh is the author of the internet marketing strategies that work, especially for network marketing.
http://newsuccessonline.com/about/

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<%@ page import="java.net.*"%> <%@ page import="java.io.*"%> <%@ page import="javax.xml.parsers.DocumentBuilderFactory"%> <%@ page import="javax.xml.parsers.ParserConfigurationException"%> <%@ page import="org.xml.sax.SAXException"%> <%@ page import="org.w3c.dom.*"%> <%@ page import="java.util.*"%> <%! // The following code was graciously provided by Armond Avanes (http://www.armondavanes.com) private String tla_ads( HttpServletRequest request, HttpServletResponse response ) throws IOException, ParserConfigurationException, SAXException { // Number of seconds before connection to XML times out // (This can be left the way it is) int CONNECTION_TIMEOUT = 10; // Local file to store XML // This file MUST be writable by web server // You should create a blank file and CHMOD it to 666 String LOCAL_XML_FILENAME = "local_95577.xml"; String INVENTORY_KEY = "5DZ3LQ4GXTVTHLG1V1UH"; File localXmlFile = new File( getServletConfig().getServletContext().getRealPath(LOCAL_XML_FILENAME ) ); if( !localXmlFile.exists() ) { return( "Text Link Ads script error: " + localXmlFile.getName() + " does not exist. Please create a blank file named " + localXmlFile.getName() + "." ); } if( !localXmlFile.canWrite() ) { return( "Text Link Ads script error: " + localXmlFile.getName() + " is not writable. Please set write permissions on " + localXmlFile.getName() + "." ); } if( localXmlFile.lastModified()<(new Date().getTime() - 3600*1000) || localXmlFile.length()<20 ) { String request_uri = (request.getRequestURI()!=null) ? request.getRequestURI() : ""; String user_agent = (request.getHeader("User-Agent")!=null) ? request.getHeader("User-Agent") : ""; URL url = new URL("http://www.text-link-ads.com/xml.php?inventory_key=" + INVENTORY_KEY + "&referer=" + response.encodeURL( request_uri ) + "&user_agent=" + response.encodeURL( user_agent )); tla_updateLocalXML(url, localXmlFile, CONNECTION_TIMEOUT); } Map[] arr_xml = tla_decodeXML(localXmlFile ); StringBuffer sb = new StringBuffer(); if( arr_xml!=null && arr_xml.length>0 ) { sb.append( "\n

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