Opiate Addiction: Tips for Treatment

Methadone is a particularly addictive drug, but is often used in the treatment of heroin addiction. Also known as Symoron, Dolphine, Amidone and Methadose, Methadone belongs to the opioid family of drugs. This prescription drug is often prescribed to treat the pain and withdrawal symptoms associated with heroin addiction. For a person trying to get off heroin, their doctor may prescribe this drug to help them cope while their body experiences living without the drug in its system. This not only helps make it easier for an addict to cope while they are dealing with intense withdrawal symptoms from stopping, but also can prevent serious medical issues such as heart attack and stroke.

Methadone is the first step of treatment for many addicts. It gives them the chance to get off the drugs without having withdrawal symptoms so extreme that they can barely function. For serious addicts, these withdrawal symptoms can last for months, even longer. For some people, they will feel urges for the rest of their life. It is definitely not easy to overcome a drug addiction, but this is a necessary process for someone hooked on drugs who wants to get clean. Methadone can help you get your life back, so if this is something you’re interested in, you should talk to your doctor to get more details. They will be able to provide you with the necessary information and get you a prescription if you are thought to be a good candidate for the drug.

The detox process is essential for anyone trying to get off heroin. Be prepared for serious withdrawal symptoms, including anything from muscle aches, anxiety and muscle tension to headaches, nausea and agitation. You may feel edgy, moody and miserable, you may notice that you’re sweating or even feel almost feverish. These are all normal, expected symptoms. Physical and emotional symptoms are expected, especially with a drug like heroin. These symptoms are occurring because you are stopping the drugs after heavy and prolonged use, forcing your body to become dependent without the use of the drugs.

Keep in mind that you may have to take additional medication along with the Methadone drug, especially if you notice that you are experiencing very intense symptoms. You may be placed on long-term maintenance, which means you could be taking Methadone for the long-term or even for the rest of your life, if your doctor feels it is helpful for your recovery. You need to stay in close contact with your doctor to properly monitor your progress. They can ensure there are no potential complications arising as a result of your treatment, such as aspiration or dehydration.

The most important thing is that after you go through treatment, once you have gotten yourself on the right track and aren’t using anymore, that you do whatever it takes to stay off the drugs. The last thing you want is to end up back in the same situation you started, having to start all over from square one. Go through a support group or have regular sessions with a therapist, to have someone there to talk to and support you during this difficult time in your life. It always helps to have someone there who you can feel safe venting to, expressing your feelings and getting support from when you’re not feeling at your strongest.

Millions of people suffer from heroin addiction, and if you are one of those people, at least you know you have options. Methadone is an effective treatment for heroin addicts, offering many advantages to users as a means of treatment.

Medical Equipment Marketplace

The medical equipment marketplace is replete with broad selections of equipment and supplies for medical, dental, and beauty salon equipment. There are several websites devoted to supplying such items. Trade networks exist within social commerce climates that constantly move products in this category every hour of every day. It is a highly competitive market and the information provided regarding the products is sometimes reliable and in other situations it is unreliable.

Within this market it is important to know certain facts. In order to learn these facts, you might have to critically shop around and ask many questions. When you do this, you will find contradictory information as well as useful information. You will see that some businesses selling these products are reliable and others are not. Ultimately it is confusing. One of the best companies that I have seen is Crystal Medical http://www.crystalmedical.co.uk.

Crystal Medical has a special niche in the medical equipment marketplace. They offer an exceptional variety of products in many categories including dental, medical, surgical, opthamalic, nursing, homecare, veterinary, pharmaceutical, and software categories. All of the products they offer are of high quality. Their dental equipment line is comprehensive and takes quality seriously.

Perhaps one of their best features is the flexible payment plans. With Crystal Medical, you may purchase medical equipment, dental equipment, and beauty salon equipment outright or you may rent the products on agreement for nominal fees. They have their payment plans set up in such a way that the equipment you purchase can pay for itself with added profit. Often these upgrades in equipment yield better business profits, easily offsetting the cost of the equipment itself.

Uncategorizedly, there are other organizations that offer similar equipment. You should research those as well. I believe you will discover that Crystal Medical offers the best products and the most practical payment plans. Considering the fact that they offer a 5 year warranty on all of the products they sell, it is a deal worth considering. Advance the technology of your healthcare practice with a reliable company and you will be assured better quality and cost.

Christmas Shopping For Your Husband or Partner

Christmas shopping for your husband/partner, you might think this is going to be such an easy thing for you to do because you love your Husband/Partner and know him really well.This could not be further from the truth as it can be the most difficult part of your Christmas shopping. This can be for a number of reasons.You may feel that the pressure is on you to find a gift for your Husband/Partner that he is going to really appreciate.You may be willing to settle for gifts which are merely acceptable for others in your family on your Christmas list.You are likely to feel that you need to buy something spectacular for really close relatives including your Husband/Partner. If you have been with your Husband/Partner for a number of years you may also have difficulty Christmas shopping for him because you may feel like you have already bought him everything. I will try to help with some useful tips for Christmas shopping for your Husband/Partner which should make the process easier.

Knowing your Husband/Partners interests and hobbies is a good way to make Christmas shopping for him much easier. Sit down and put pen to paper of all your husband/partners interests. This will give you a better idea of what type of items would make a great Christmas gift for him. An example being, if he is interested in reading books buy him a voucher so as he can pick the book of his liking. A great gift that is different than the normal is to book a day out at a race track to drive a sports car or even a days rallying or ballooning. Is he interested in golf? Does he need some lessons? If he does, book him some. You get the idea?

Do not forget about the repetitive gifts that every man needs each year like aftershave, deodorant, socks, jumpers and ties. These last few can be used as stocking fillers and extra gifts for him to open. Aftershave has usually run out by the time Christmas arrives and you can get him the newest and latest best selling product.

Trends and fashion change so this is a good time to update your his wardrobe and throw out those jumpers and ties that you have been going on to him about changing,The list could go on and on but with a bit of imagination you can come up with a present this year that he will really appreciate.

If you can’t think of what to get your Husband/Partner for Christmas, ask him what he wants. Have him make a wish list of the items that he would like for Christmas. Happy Shopping.

When Shopping For Shoes-Make Certain You Walk Away With Style And Comfort

When it comes to footwear, everyone wants to sport the latest styles. However, over the years, following fashion trends has seemingly come to signify that trendsetters must endure a bit of pain on their feet. After all, what counts as fashionable footwear if it’s not high-heeled and narrow-shaped? It’s a notion that’s exemplified in magazines, on catwalks and on the feet of our favourite celebrities. But does the statement, ‘no pain, no gain’ really hold any bearing in the world of fashion?

The answer is simple: absolutely not. Simply put, fashion is all too often considered as something you see – not feel. Thus, too many women un-necessarily force their feet into suffering the wrath of high heels all day, every day, simply for the sake of fashion! If you’re one of these women, perhaps it’s time you considered something a little more comfortable. There are numerous styles of shoes available that can make a fashion statement without needlessly torturing your feet. For example, wouldn’t it be pleasant to slide your feet into a flat, slip-on shoe with a padded insole? Or maybe, think about all the extra comfort you would gain from a shoe with a rubber outing.

Rest assured that comfort can mingle with style – whether it’s by means of colour, shape, design or material; and there are certainly loads of products on the footwear fashion market which aim to show you how.

If you’re required to wear formal shoes within your work environment, you can still wear casual footwear to and from work, as well as on your days off; so, you can finally experience what it’s like to take off a pair of stylish shoes without having to endure the throbbing pain that your feet have come to expect.

If you’re looking for shoes that will make a statement, yet won’t require you to limp your way around town, you’re sure to find plenty of high-street shoe retailers who can provide you with exactly that. For example, Vans’ classic slip diagonal trainers are an eye-catching bargain; moreover, they exude original style and make a distinct fashion statement that everyone around you will recognise. Be confident in the fact that if you take the time to shop around, you’re likely to pick up some great deals on sale items – meaning you’ll walk away with style, comfort and some extra cash in your pocket. When it comes to shoes, there’s no better outcome!

Internet Marketing Training For Home Based Business Owners

How To Set Up and Start Operating a Home Based Business

I remember myself anticipating to having my first website ready when I first started, as if when I would have it ready, my business would become internationally known at a blink of an eye! Being Enthusiastic is essential… Another thing that is essential though, is to try to keep your feet on the ground. Becoming known on the internet is a Step By Step process that you have to go through very carefully and with consistency. The more focused and consistent you are from the instant you start, the sooner you will achieve your business goals, by accordingly following your business plan! Most of All: Do Not Panic!!

1) Establishing Your Target Market:

This is probably the most important thing you can do when getting your business started. You have to do your research on Who Your Customers Are before you get into any type of marketing and advertising. Especially with Pay Per Click advertising e.g., on Google AdWords you have to know what are the right keywords for your business in order to attract the right people to you, that will ask exactly for what you have to offer. Marketing to the wrong set of keywords will kill your business, produce a substandard leads. On the other hand, marketing to the right set of keywords or the right target market will explode your business.

2) Find A Good Domain Name And Hosting Company:

This is the second very important part of your business foundation. Having a good domain name that relates directly to your offering business opportunity and a hosting company that has reliable customer service daily 24/7, Live Support to make sure your website – blog is up and running effectively.

3) Decide What Method You Will Use For Your Promotion Plan:

Squeeze Pages or Branding Site? After you have established your target market, and set up a domain and a hosting account for your website, you will need to decide what type of Marketing Site you will use. Squeeze pages and branding sites are different, but both are necessary tools for the internet marketer. As with any other topic, you will get different opinions when it comes to Squeeze Pages or Branding sites. I use Branding Sites as I want people to get to know who I am and where I come from before starting any kind of partnership or business deal with them.

Difference between a Squeeze Page and a Branding Site:

A squeeze page is a mini sales page. Squeeze pages are also called opt in pages, splash pages, and landing pages. It’s the first and most important page that you will create and the place where your people will leave their name, email and number, in order to get more information about your business opportunity. Your squeeze page should have a smart eye-catching headline and invoke curiosity. The content of your squeeze page should address to solve a ‘problem’ or fill a ‘void’ of your customers.

Branding sites are designed to brand YOU. Word Press sites are great for branding. Word Press sites have a home page. The home page allows you to provide more information and detail than a squeeze page. As I mentioned earlier the branding site is meant to give your people information; lots of information about you, your product, and your services.

Lay out your branding site with a home page about your product and service. The “about me” tab should be all about you…your story, your background, and your truth.

It is a peoples’ Business and people will connect with you if they like you first and trust you later.

4) Pay Per Click Advertising:

Get Yourself Acquainted with the Forms and The Functionality of Pay per Click Advertising.

What is Pay Per Click?

Pay Per Click Marketing is the fastest way to drive traffic to your web site, that is a fact.

The three big pay per click sites that are recommend are as follows and they are in this order for a reason with Google being at the top.

The three major search engines are Google, Yahoo, and MSN, but Google is the Leader of the market.

Google is the main pay per click marketing search engine.

How Does Pay Per Click Work?

Pay Per Click works by you selecting keywords that are related to your business, product, or service.

1. You choose keywords or long key phrases

2. You bid an amount on those keywords or key phrases to get them seen

3. Google determines which ads to show

So how do you get your ads seen?

1. Write an attractive ad (great copywriting is a key factor in all marketing)

2. Bid the right amount

3. Make your ad relevant to your keywords as well as your website

Google AdWords Program has unlimited free informative tutorials on how to set up and start your PPC campaign. There you will have the choice to target your ads according to language, country, set your own preferred bids on your ads and keywords, and set specific days for your ads to run or pause them anytime you wish.

After you make your keywords research, when you will know what you are doing it won’t be that difficult to get your ads seen throughout the web. To many people rush to get their ads out on Google and do not do the proper research, or work with experienced marketers and coaches.

You can apply the strategies you use for the big search engines like Google,Yahoo and MSN. Googles’ pay per click program is called Ad Words. There is a difference between “paid” search results that appear on the top and right-hand side and “Uncategorized” searches – the search results that appear on the left-hand side of the search page which are free and can make wanders if you manage with good Search Engine Optimization to get your ads there on the first pages of these engines.

5) Article Marketing Advertising:

Article marketing is probably one of our most interesting and cost effective ways to market.

This method requires a process and time to get results and visibility. It is a way for you and your business to become known on the web and be considered as an active part of the Online Marketers Community. What happens when you do article marketing is that people pick up your articles for content on their sites, for content. It’s huge. Your content is spread around virally.

The way this works is you write an article, something of value. Be sure you check out our chapter on outsourcing on next paragraphs, because if you don’t like to write, you can outsource it to experts.

When you write and submit your articles, you are putting in your links on these articles, the articles that you originally produce. These are one-way back links to your site, so when people pick up your articles for content, the Google crawler picks up the links and your site goes up in ranking. That means more visibility for you, more traffic to your site and recognition, traffic and hopefully sales.

The articles you submit should be relevant to the topic of your business. They should pertain to what you are doing and whatever business you are in. In this case your articles should pertain valuable content for your readers to go through concerning Home Business Industry Topics. These could be Internet Marketing Techniques, the advantages of running their own business from home, freedom of time, ‘How-To’ articles which are a very ‘HOT’ plate for the search engines and many more.

Make sure that your articles are around 300-500 word long. You want to be picked up as providing good content about your industry or business. You should have a bio attached to the article. BIO is the only place that you can ‘sell’. It’s the place for you to ‘TAKE’. This is where the link to your website or splash page will be located. The bio should be about you as the author. At the body of t
he article you only ‘GIVE’: Content of Value. The links in your Bio should come back to your website.

Your Bio should include 2-3 sentences pertaining 1) Who you are and what you do, 2) A reason to visit your site after reading your article and 3) A call to action, for them to do so.

Make room in your life to submit at least two articles per week; set aside a specific time or day to make it happen. You have lots of information you can write about in whatever industry you are in. You can do it manually, or you can purchase submission services through Article Submitter Special Software. They have over 1000 places to submit your articles. It is time saving and accelerates the process of distribution and visibility.

6) Video Marketing Activity (HUGE)

Run a Google search on a topic like ‘best home based business opportunities’. Most likely, in addition to articles and websites, there will be several videos that pop up in the search results. Imagine having a dynamic and powerful video that introduces your product, service, and company live with your voice on and researchers landing on your beautiful video instead of being sent to a single and ‘one of the thousands’ splash pages. Google is very attracted to videos and pick them up quickly. It will help your ranking. Video Marketing is a very powerful selling tool as well as the fastest free way to get those ads out there. Use it in order to stay ahead of the competition.Your ultimate goal in marketing is to have your ads not only seen by as many potential customers as possible, but to be in front of as many of your targeted customers as possible.

The way you treat your Video Marketing campaign is the same with how you treat your PPC campaign and your article marketing campaign. You must focus on a specific ‘keyword-driven’ target market. At Step 1 I mentioned the importance of establishing a target market and a core group of keywords. The same keywords will be plugged into the videos when you submit them. Ultimately, everything comes up to your initial development of your target market and core keywords.

As in Article Marketing you can 1) submit your videos manually to limitless video directories for free like You Tube, Yahoo Videos, Google Videos, etc or 2) Submit to as many as possible directories through Video Submitting Software that do massive distribution of your videos with a click of a button.

7) Press Releases Marketing Method (Get Faster and Higher Ranking)

Another way of effective marketing of your website is to write and submit Press Releases. The information in your press release needs to be viable, newsworthy and high value content. Inside your press release, you should have one-way links that bring readers back to your site – your branding site or your squeeze page. The difference between the articles and the Press Releases is that in PR you can place your URL link in the ‘body’ of your content, once every 100 words. Press releases are a great SEO tool that can quickly improve your ranking. There are a lot of sites looking to gather information to build the content on their websites, so if they pick up your press release, and inside your press release you have one-way links back to your site, the search engines will know and act accordingly by rewarding you with higher ranking.

This is a method that requires some time to build a reputation. Give it some time and as long as you do this on a consistent basis, sending out once press releases per month with relevant, high value information, you’ll start seeing increased traffic to your site. Again there is a free PR submission option and a paid one. Again it will be up to your budget flexibility.

8) Social Media Marketing:

Millions of people everyday are viewing, updating, or connecting with others all over the world. These sites are very easy to get set up on, as all you have to do is sign up with your information and you are ready.

As of today the big three that I use consistently for internet marketing are Facebook, Twitter, Linked In and Ecademy.com. There are hundreds more out there and this is a great way to let people know about whom you are what you do, as well as what your product or service is all about. Social Networking Sites are considered as the Hottest Market Place and reports have shown that people search and finally trust opportunities through viral tools, such as all these today’s Hot Marketing Trends.

You must apply the ’90-10%’ Marketing Rule which means, that the 90% of your posts and interactions must be about you socializing, making connections, letting people know you first and only a 10% talking about your business. People don’t like to be sold. Be human and treat like you would like to be treated. It is a Peoples’ Business.

9) Outsourcing Resources:

Every marketing method I mentioned so far, every tool that you are given to use can be outsourced. Evaluate the time that you can give to your business, filter the activities that are most compatible to your character and nature and outsource the rest! Web design building, hosting etc. You cannot outsource everything assuming that your budget is limited; you will have to learn how to do some of them, apply at least 2 of the previous mentioned methods for your business. Article marketing, Social Media Marketing and Pay Per Click advertising is definitely skills that anyone that starts an online business should master for himself and his business’s success.

Take it Step By Step when growing your business and grow your outsourcing at a steady pace. You always have the control of all your marketing activities. You are the leader and the one that will lead you to Success!

Make sure you are on the right track and apply the knowledge you learn, every single piece of it day by day! And of course enjoy yourselves always!

Santorini Car Hire

Renting a car in Santorini can give you that extra security and freedom that will make your holiday to Santorini from being good, to becoming exciting.

Before you start your visit to Santorini, it is always important to decide on the places you long to see. If you are sure about which places you would like to see, it would be sensible to reserve your holiday previously, this also goes for hiring a car in Santorini. Many car hire agencies in Santorini offer cheaper bookings for travelers that book weeks in advance; you can even claim back up to 30% or even up to 50% if you are reserving during the weekend. Taking a trip during the off peak season means that you will be able to get a discount on your overall holiday, this also means that car rental during this period is at its cheapest.

If you are renting a car from Isl-Santorini Airport, there are many things you will need to think about if you want your rental to run relaxingly. One of the most important to remember to bring both your driving license (and of course your passport!) with you, you need to own a valid license and an International Driving permit (IDP). It is necessary that you keep your passport to hand and also your IDP with you at all times when you are on the road.

With a car rental in Santorini, you will be able to travel around the whole of this mini island, from its picturesque beaches, to the diverse settings especially the views of its volcano. Although the two popular beach towns of Kamari and Perissa are very close, the mountains between them means that you will need to drive around the mountain as there is no road connecting the two small beach towns. The small towns of Oia and Fira are unusually built into the side of a cliff! This, as well as the Minoan ruins in Akrotiri are all easy to drive to in your hired car.

If you are looking to hire a car in Santorini, there are many rental agencies spread along the islands, providing visitors many choices, from luxury range of cars to the more cost-effective cars. If you settle on hiring a car, you will have the freedom to create your own travel plans that suits you and your family. Even though a small Island, to enjoy you stay in Santorini, book with a car rental agency to make your vacation a more memorable experience.

Dental Insurance And Individual Health Plans

You could rarely find and buy individual health plans that also cover dental hygiene. There is useful information that people should know particularly if they consider buying the policies separately.

It is estimated that about 45 million Americans currently don’t own any dental insurance policy. Most non-elderly citizens who own individual health plans also own dental hygiene policies. However, majority of people who buy health insurance plans by themselves do not have dental insurance. This data is based on a report released by Centers for Disease Manage and Prevention.

While individual health plans cover several added services like basic emergency care in addition to costs of prescription drugs, they logically are not necessary to include coverage for adult oral care. Nevertheless, for health insurance policies for children, dental services are needed.

In March 2010, reforms to the healthcare insurance coverage were set. However, despite the push exerted through many advocates, that bill did not include the wider dental component. Supporters and proponents of the reform argued that each health plans already cover costs for other pressing health problems like diabetes and heart diseases.

About 75% of 172 million Americans under age 65 years (who own private health insurance plans) have dental insurance plans as well. Their employers mostly supply the health insurances. Among those with separate dental protection, more than a quarter of them have comprehensive plans with dental insurance while one fourth have stand-alone plans. Some have both.

About 90 million Americans own individual health plans through Medicaid and Medicare insurance, which both do not offer dental care programs for adults. There is no figure available regarding public health insurance plans. Medicaid shoulders dental take care of people under 21 years old. The insurer currently serves up to 45 million people of the low-income group. However, such patients complain about troubles to find accredited dentists.

A separate government-sponsored program provides dental hygiene, albeit limited. It is the Children’s Health Insurance coverage Program. As for the older people, they could always choose to purchase separate dental care policies from health insurance companies.

Do you look for health insurers that also offer dental hygiene plans? Data from the Association for Health Insurance Plans reveal that we now have only a few insurers that do so. Individuals include Cigna Corp, Aetna Inc, Assurant Inc, Humana Inc, as well as UnitedHealth Group Inc. The association represents up to 80 of overall dental insurance plans in america. There are also health insurance plans that offer dental coverage included in health policies. They include several and specific programs from MetLife, Principal Financial Group Inc, and Azure Cross Blue Shield Association.

Experts advise people to purchase dental care insurance policies even if they currently own individual healthcare plans. Purchasing separate plans is more advisable especially because it might be very hard, if not impossible, to find and purchase health insurance policies that also include dental protection.

Car Rentals is a Must For Every Traveler

The Gold Coast is an ideal holiday destination for you and your family. It has everything that can make your holiday down under a memorable one. The Gold coast is arguably the best tourist destination in Australia with almost 10 million tourists enjoying its fabulous surf beaches, unparalleled theme parks and dense rainforests every year.

The most visited tourist spot in the Gold Coast is Surfers Paradise. The place offers you with many entertainment options to explore. You can indulge in various exciting activities like surfing, jet skiing, fishing and parasailing during your trip to Surfers Paradise. Apart from these, Surfers paradise is also well known for its active nightlife and unmatched facilities for beach volleyball, golf and bungee jumping.

Along with the surfers paradise, you will find many other tourist attractions. The American Style Theme Parks are few of them. These parks have in stored some of the most exciting options for you and your family. Dreamworld, Movieworld and Wet n’ Wild are the three most famous theme parks in Gold Coast. While planning a trip to these parks, make sure that you have ample time in your hand because these parks are too big and too wonderful to be done with in a single day.

Gold coast is also the home of some of the most incredible architectural masterpieces. The Q1 Building (world’s tallest residential building), Gold Coast Arts Centre, Ripley’s Believe It or Not Museum are the finest examples. You can’t even afford to miss out the attractions like Tropical Fruit Farm, Sea World and Currumbin Wildlife Sanctuary, during your trip to Gold Coast.

Car rentals gold coast is one of the ways to witness and admire the real beauty of all the tourist attractions. By renting a car, you can visit all these places at your own will. There are many car rentals options that are available for you in Gold Coast. You can go for one way car rental plan, which includes picking the car up from one place and dropping it to the other location. Generally, this plan is preferred by people, who hire cars between airport locations. Another one can be two way rental, which is normally taken up by tourists.

During peak seasons, you might also get some bonus or special offers on your car rental plan. In spite of the plan you choose, make sure that you negotiate with the car rental company.

After all, at the end of the day, it is your money!

Minimizing Internet Marketing Risks

How well you understand internet marketing risks will make or break you.

Despite rumors of all of the easy internet riches that await the entrepreneur, instant millionaires and DOT-COM legends, there is also a genuine ugliness to the web. Unknown to newcomers, the internet is not safe, and to the unprepared it can be outright dangerous. As an analogy, let us consider a fictitious hero facing peril, escaping danger and winning the day in the end. It makes for an exciting story, but in reality we should stick with the “safe and boring.”

People ARE out to get you on the internet. If you are not careful they can, and will, take your money and run. Deceit can come from both small and big internet businesses alike.

The first part of setting up any Internet marketing campaign is to sign a marketing agreement or contract. You will be legally bound to the terms and conditions of the agreement. If you are not careful, you may be legally bound to a disaster. Most importantly, do not risk more than you can afford to lose.

“During the start-up days of my company, a PPC marketing contract was created with a Tier 2 PPC search engine company. The contract reserved key-word based search engine traffic to the websites I was interested in marketing. Everything was laid out in black and white – or so I though. Unfortunately through purposeful trickery on the part of search engine, and my hastily signed marketing agreement, this search engine socked us for thousands of dollars of unplanned expenses. Buried within the contract, they claimed that it could over-deliverdouble the amount of web traffic indicated. One simple line stated Campaign $15,000 -double’. When my campaign came due at the end of the month, the bill was for $30,000. The salesman did not inform me that the campaign would be doubled, there was no definition or explanation of what ‘-double’ meant, and I did not look closely enough at the contract to notice or ask what it was there for. I of course refused to pay ‘double’ and they immediately threatened with legal action. It was a mess.”

You must carefully read and scrutinize every word of your contracts. If you don’t understand everything clearly, then have it cleared up before signing. Below are other fundamentals in minimizing the internet marketing risks embedded within a contract.

Minimizing Contract Obligation Risks:

  • Minimize Contract Duration – Approach every contract and agreement as if something could go wrong. Limit your risk and have a way out if things turn ugly. One critical step is to minimize the length of every contract. Most companies want you to sign a long-term agreement lasting 1-2 years. Don’t fall for it. Negotiate the shortest length of contract possible by asking for reduced obligation, such as 3 months or 6 months. If the campaign goes well, your vendor will be more than happy to renew, but if it does not you will need a quick way out.
  • Performance Based Services – One miracle of the internet is the allowance of “Performance-Based” marketing campaigns, where you only pay the advertiser when a sale or request is generated for you. Hence, you don’t pay unless you receive a business acquisition. Many internet marketing companies allow performance based marketing campaigns, so seek these companies out first. Purchasing internet media, such as impressions, emails distributed, sponsorships, etc., are all a gamble and the odds are against you. There are exceptions of course, but wherever possible, implement campaigns where you pay only after you get what you want.
  • Minimize internet marketing risk by minimizing the campaign size – Every salesman will want a giant obligation from you. Don’t be oversold, you must understand that there is a good chance that any campaign can fail and you will need to minimize your financial risks and obligations. Approach every campaign as a “minimum sized test” and if all goes well then you can expand the campaign the next go-around. Why obligate you and your company for a large campaign, when a smaller campaign will do just as well? As your relationship and trust level grows, then you may consider a high-scaled commitment.
  • Sharing Marketing Resources – Not every company can or is willing to make the pre-payments necessary to launch a large marketing campaign. You may also find yourself in a situation where more leads or sales are coming in than you can handle. These issues can be resolved by finding a buddy. There are other companies out there just like you, doing the same thing and operating with a similar budget. Consider joining resources with another company or friend and launch a campaign cooperatively. Pool your resources and spread the costs and internet marketing risks. By working cooperatively, you can engage in internet marketing resources that would otherwise be unreachable.
  • Identifying Online Fraud – Fraud happens, and it is common. Fraud can range from a tiny and almost unnoticeable incident on through to a glaring unmistakable disaster. Fraud is prevalent when dealing with performance based campaigns, but it can happen with other internet marketing techniques as well. Learning to identify fraud before it becomes serious is vital. Fraud generally affects the sales lead industry more than the retail industry, but both are susceptible. Your first line of defense is through your website, where fraudulent activities can often be detected. For example, a performance-based sales lead generation campaign may receive a lead with a Texas phone number, a Colorado zip code and a reported State of residence as Georgia. Your website must be smart enough to detect these inaccuracies.

Fraud Identification and Prevention Tips:

  • Does the information provided make geographical sense? Can someone with a Texas phone number live in Georgia? Is someone opening up a phone book and generating a fake sales lead that you have to pay for? Reduce your internet marketing risk by focusing on an elaborate lead validation script within your website.
  • Every person who navigates the web is doing so with a unique and identifiable IP address. If you receive multiple sales leads, each lead should come with its own IP address. If you are receiving many leads from the same IP address, then there is fraud. Your website designer should be able to track the IP address of every individual who is generating a lead on your website. If they can’t, then get a new designer or find help if you are designing your own website.
  • For retail sales, does the name of the credit card match the name of the person who is making the purchase? Allow zero tolerance when credit card information does not match contact information. Make a follow-up phone call for international orders, as international internet business is plagued with fraud and is a large source for internet marketing risk.
  • Spot-check your leads and retail sales sources. Periodically call the person who generated the acquisition. Make any excuse you can, such as a “customer satisfaction survey.”
  • If a lead or retail sale fails your validation process, and you suspect fraud, DO NOT tell the lead generation provider “why” validation failed. Telling a fraud why validation failed is the same as providing them instructions on how to cheat you next time. If you are uncertain if your data is fraudulent, then verify the lead information manually, and ask if their request was genuine. An example would be when you receive that sales lead with a Texas phone number and they state that they live in Georgia. Your website should NOT say “sorry, but the State and phone number reported do not match.” A fraud will just click the “back” button, correct the mistake, and try again. Rather, just accept the lead and pretend everything went okay, but do not give sales credit for the fradulent lead that was generated. Record the IP address of the fraudulent lead, and block that IP from being able to generate a lead ever again. The fraud will not gain information about how to foil you next time.

Importance of Campaign Tracking and Traffic Analytics
Campaign Tracking plays a direct role with respect to minimizing internet marketing risk. Web tracking is your key in determining which advertising campaigns work and which do not. Be sure to implement web tracking in a manner that each advertising source can be individually monitored so that the poor performing campaigns can be weeded out. Powerful web tracking resources can be implemented for free with useful tools such as Google Analytics, or in great detail through professional paid tracking accounts.

Don’t Let Your Guard Down
Internet marketing can be volatile. What is working and generating sales today may be broken tomorrow. It is common for an effective marketing resource to become non-productive despite its prior successes. It is so common in fact, that the chance of you losing a viable internet marketing resource is probable, or even eminent. SEO may inexplicably fail and all associated sales cease virtually overnight. Your offer may become “old” and over-saturated across Affiliate Networks or your audience. A competitor may wedge you out, or dilute the market with their advertising. Vendors who were once effective may start sending you junk, or sales lead sources may decline leaving your phones too quiet for comfort. A myriad of unexpected internet marketing failures can and will happen, and you must be prepared to compensate. Whenever you become highly dependent on only one marketing channel, you are at risk. To combat this crisis, be sure to have a backup plan. Qualify multiple vendors or traffic sources and be ready to make the switch on short notice. If you don’t have a backup plan, you may panic due to your sudden loss in business and make hasty and inappropriate decisions that only worsen your situation, and expose you to increased internet marketing risk.

Keep on the defense with regard to internet marketing risk, and don’t be naive toward hostile intentions against you. Knowledge and preparation will significantly minimize your risks. With a good defense and knowledge of what is out there, you can shrug off lurking internet dangers or avoid them altogether. What remains is the marketing miracle of the internet.

Home Buyers and Sellers Real Estate Glossary

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.