Pirates Of Borneo

Pirates of Borneo Admit Defeat

2010-01-31T10:38:00.000+08:00

As a result of the recent warnings from both the USA and UK regarding the safety of tourists visiting Sabah, there has been a noticeable drop in trade, following on from last year recession and H1N1 Pirates of Borneo have been force to shutdown their profitable business. tourism worldwide is in trouble even places such as Cyprus are showing a 10% reduction even though the UK has come out of recession.

Pirates of Borneo will be hosting a farewell Pig roast on Sunday 31st Jan 2010 commencing 1700 hours and all are welcome, a limited number of T-shirts and bandannas are available for sale. come and try to drink us dry for the last time as hosts Nick and Jean bid a sad farewell to Sabah.

David AKA Seadog will however still remain as the scourge of the seas around Sutera Harbour in the regular sailing events.

Borneo International Yachting Challenge 2010

2010-01-09T16:58:00.000+08:00

Borneo International Yachting Challenge 2010

16th - 23rd July

Following the success of Last year race for the Borneo Cup, which added Kota Kinabalu to the racing schedule plan are in hand to include a stopover in Brunei This year.

IOR class 1 Yachts, cruiser/racers, cruising and Multihulls will gather in Miri Marina for two inshore races, followed by a passage race to Brunei. From Brunei there will be a short passage race to Labuan and then another passage to Kota Kinabalu, followed by two inshore races.

It is expected that there will be incentives to cover expenses, including limited accommodation, and free marina berthing during the event.

Draft Schedule of Events

Fri 16/07/10

All day Registration and measurement

1600 Skippers briefing - Everly Park Hotel

1900 Welcome dinner and reception - Everly Park Hotel

Sat 17/07/10

1000 Race 1, Harbour Race- Miri 10 miles

o/c race 1 Race 2, Harbour Race – Miri 10 miles

1900 Prize presentation and dinner – Ulumulu Restaurant

Sun 18/07/10 1000 Race 3, Passage Race Miri to Brunei 75 miles

Mon 19/07/10 1900 Prize presentation and dinner reception - Empire Hotel

Tues 20/07/10

1000 Race 4, Passage Race - Brunei to Labuan 30 miles

1900 Prize presentation and reception Labuan Sports Center

Wed 21/07/10 1400 Race 5, Passage Race - Labuan to Kota Kinabalu 65 miles

Thurs 22/07/10 Rest day. Spare day for re-sail of races 1 and 2 if required – IRC only

Fri 23/07/10

1000 Race 6, Harbour Race – KK 10 miles

o/c race 6 Race 7, Harbour Race - KK 10 miles

1900 Prize presentation and farewell dinner Sutera Harbour

More details will be publish at end of January

David Ogden
Yachtwatchservice
0198428702

Pirate wins NewYears Eve Twilight Race

2010-01-01T08:48:00.000+08:00

Rain threatened the final twilight race of the year at Sutera Harbour Marina, however as it cleared away a small fleet of optimist dingies made their way to the start line outside the marina. The sausage course had been set up earlier, however with the change of wind direction, it resulted in a broad reach start.

The starting line was quite short, which made for an interesting start. he best start was made by Dawn who was quickly pursued by the Pirate and and another four boats with the rest of the fleet further behind. Dawn kept her lead round the first mark and a South African Sailor slipped through to second place with the other four boats josling for position around the mark.

No changes took place on the second leg with the first two boats pulling away, however on the third leg the leaders fell into a hole and the Pirate regained second position. the wind shifted slightly on the final leg so that it became necessary to tack to lay the finish line. The Pirate was the first to tack away losing three places as Dawn held a narrow lead with four boats in contention. trying to lay the line, eventually they realised they would need to tack, bui it was too late as the Pirate passed them all to windward to cross the line.

Pirates Rule in Yesterdays Twilight Sailing

2009-12-16T09:01:00.000+08:00

Heavy rain during the afternoon nearly forced the abandonment of the fortnightly optimist racing for crew of yachts visiting Sutera Harbour Marina. However, as the rain petered out the race officer carried out a a quick inspection outside the marina nad there was a good land breeze building up.

11 boats made it to the start line which was set as a downwind leg of a sausage course of 3 laps. The start and first leg was interesting with the advantage often going to the following boats as the blanketed the wind from those head and there were a number of port and starboard incidents on the run and at the first mark.

Heading back upwind the field began to sort itself out and with a slight wind shift I broke tack with the two leading boats and managed to snatch the lead at the windward mark. I maintained a healthy lead despite losing the rudder on three occasion due to a missing retaining clip on the rudder. So Once again Pirates of Borneo rule.I even tried sailing an extra lap to try and catch up and lap the tail enders but just failed.

A successful evenings sailing was rounded of with a twilight dinner at Sutera Harbour Marina Club where prizes were presented to boats which finished in 3rd, 4th and 5th places plus myself for the fastest boat. The sailing has a special handicap system where previous winners pass down the prizes to those that have not won before, which cab surprise some of the participants!

David Ogden
Yacht Watch Service

Set Back To Pirates Of Borneo , Borneo Cup Hopes

2009-10-06T11:18:00.001+08:00

Pirates of Borneo discovered yesterday that the Yacht they were planning to sail in next week, Borneo Cup, which forms part of the Borneo International Yachting Challenge, is no Longer available. The race leaves Miri in Sarawak on 11th October to sail to Labuan, where there is a dinner on 12th October, prior to racing the the second leg to Kota Kinabalu on 13th Oct (thank God its not a Friday) Once in KK there are two short races followed by a prize giving and dinner.

The Pirates of Borneo Crew are already, but just need to have a yacht confirmed, there are two alternatives, one a Yacht which is at present having a new keel fitted, if it is ready in time. or a small pocket racer Miri Magic one of the smallest race boat to enter, quite different to sailing a 46 footer.

Changes in boat size radically alter the tactics to be used so yesterday was spent working out new tactics, equipment and route for racing a 25ft boat., which will hopefully be confirmed today.

Two of the crew will be honing up their racing tactics at the Bi Weekly, twilight sailing event at Sutera Harbour Marina, whilst the remain three crew are arranging to travel to Miri from Tawau.

Technorati Tags: borneo cup,borneo international yachting challenge,pirates of borneo,sutera harbour marina,miri marina,labuan marina,Pirate rib shack diner

David Ogden aka seadogs

Http:/piratesribshackdiner.piratesofborneo.com

Pirates of Borneo Enter Borneo Cup

2009-09-29T21:16:00.001+08:00

Pirates of Borneo have a put out a call out to the brethren of the sea for crew members to enter this years Borneo International Yacht race from Miri via Labuan to Kota Kinabalu. The commences on 9th October and the Pirates hope to be carry a wait some booty on the 15th October, to their lair at the Pirates Rib shack Diner at Asia city, where landlubbers can feast on the best steaks and ribs in town washed down by grog.

For more information contact seadog http://piratesribshackdiner.piratesofborneo.com

Technorati Tags: borneo cup,Borneo yachting challenge 2009,pirates of borneo,borneo tips,pirates bar

Twilight Racing

2009-09-23T08:37:00.001+08:00

This week there was a good turnout for the bi-weekly fun racing in Optimist dinghies. There was a good wind and breaking waves which promised some interesting racing.

Even before the start there were a few capsizes and lots of bailing as sailors soon leant to stay away from the bow as these small boats are not really meant to be sailed by heavyweight adults.

Once the racing started it was evident that there were a couple of racing snakes in the pack. I made a slow start in about fourth or fifth place but managed to pull up to third around the windward mark making up one place on the first reach and catching the leader at the end of the second reach as he was not sure of the course.

We split tags on the beat, the leader going offshore and I stayed inshore followed closely by by the third and 4th placed boats one of whom slipped past me before the windward mark, dropping me back to third. The penultimate reach would be the decisive leg with three of us within a few boats lengths, initial I was up to windward and the two ahead started to head up so I ducked to leeward and gybed around the wing mark to take the lead, there after it was a matter of staying calm and staying ahead of the racing snakes as they attempted to pass to windward. The finish was very close as we tried to surf the waves and at one stage I though I had lost as I hit the back of a wave and the second boat surfed up to my stern.

Following the racing we all gathered for dinner and prize giving at the Sutera Harbour Marina Club. The Handicap system which ensures the prizes are spread amongst the fleet resulted in the 2nd, 5th and 6th boats being awarded prize. One boat retired after a couple of capsizes and losing his bailer which meant he had to use his cap as a makeshift bailer.

Pirates Rule!

David Ogden AKA Seadogs
0198428702
Pirates of Borneo
Yacht watch Service

Technorati Tags: Sutera Harbour Marina,twilight racing,yacht watch service,david ogden,pirates of borneo

Sutera Harbour Marina,twilight racing,yacht watch service,david ogden,pirates of borneo

Pirate Wins Twilight Race at Sutera Harbour Marine

2009-09-09T16:28:00.001+08:00

Yes, There are still pirates in the waters off Kota Kinabalu. One of the owners of Pirates Rib Shack Diner took on the crews from visiting yachts and beat them all at their own game, sailing in Optimist Dinghies in the fortnightly twilight sailing fun event.

Some nine boats contested the event in light winds and it took a long time to reach the windward mark, some wondering if they would ever make it. Competition was quite fierce at the front but gradually the Pirate sailed through the fleet to take the lead at the windward mark. Three of the crew of a visiting super yacht made a determined effort to catch up with the Mate heading the Navigator and the Captain to the line.

The next race in two weeks time promises an interesting return match

David Ogden.

Pirates of Borneo

Pirates Of Borneo Online Store

2009-08-30T09:34:00.001+08:00

Pirates of Borneo who are based in Asia City, Kota Kinabalu have today launched an online store to sell Pirates Booty.

Many visitors to the Pirates Rib Shack Diner already purchase Pirates of Borneo T-Shirts, Polo shirts, Bandanas and Caps. The online store will allow international visitors to purchase, a wide selection of additional, shirts, bandanas and flags from the comfort of their own home.

Technorati Tags: pirates of borneo,pirate flag,pirate T shirt,pirate bandana,pirate hat,pirate cap

Pirates Pig Roast to Be a Weekly Event

2009-08-10T15:24:00.004+08:00

Sunday 9th August marked the launch of special Sunday lunchtime feature, Roast Port, the trial event using a suckling pig passed off successfully and now BBQ Pork will become a regular feature at the Pirates Rib shack Diner in Asia City, Kota Kinabalu. . The Pirates bar will now be adding the weekly port roast to its menu which already include Pork and Lamb Ribs.

If you wish to reserve a table please contact David on 01984287902

http://borneotips.com

Http://piratessribshackdinetr.piratesofborneo

Technorati Tags: Roast Port,Pork Ribs,Kota Kinabalu,Pirates Rib Shack diner,Pork Ribs Lamb Ribs

Sunday Roast Suckling Pig

2009-08-07T10:43:00.001+08:00

It is hard to find Roast Suckling Pig in Kota Kinabalu, but the Pirates Rib Shack Diner in Asia City Kota Kinabalu is the place to go on Sundays for lunch. for direction go to http://piratesribshackdiner.piratesofborneo.com/location.html

Pirates of Borneo otherwise known as the pirates bar has a host of good value food available from Satay and Home made Burgers to Steaks and Ribs, together with local dishes. washed down with cold beer or wine.

Technorati Tags: Pirates Rib shack Diner,Pirates Bar,Pirates Of Borneo,suckling Pig Kota Kinabalu,Pork Ribs,Lamb Ribs

Join us on Sunday For roast Suckling Pig

2009-08-04T08:55:00.001+08:00

The Pirates of Borneo invite you to join us at the Pirates Rib shack Diner this Sunday 9th August to sample our BBQ pig roast which we plan as a weekly event.

Come and visit us to meet new friends and find out more about Sabah from those in the know.

For Detail call Nick on 0143508965

Pirates Rib Shack Diner

Technorati Tags: pirates of borneo,Pirates Rib Shack Diner

Sutera Harbour Marina -Tuesday Nights Fun Sailing

2009-07-31T10:32:00.001+08:00

Visiting yacht crews and member of Sutera Harbour Marina and Golf club can enjoy fun racing on two Tuesdays a month. Initially the idea was based on yacht racing, however due to handicapping difficulties and the fact that many yachts would need to spend time re stowing equipment for a short race the racing take place in dinghies.

I happened to be around last Tuesday and joined up with a dozen yachtsmen and yachtswomen to race in Optimist dinghies. There was a nice breeze and a few waves to make it interesting. At least 4 people had never sailed in an Optimist before and tow of these got into trouble before the start and had to be rescued. A little embarrassing for blue water sailors , but yachts have automatic bilge pumps to keep the water at bay.

The wind and sea conditions contrived to thwart the race when the wing mark drifted away and the first three boat around the windward mark headed directly to the leeward mark, which was the only one in site at the time. The fourth boat saw the rescue boat towing the errant buoy and headed in the right direction taking the lead, leaving the former leaders to chase.

The wind gradually lightened so despite a valiant chase it was of no avail with a 4th place the highest they could climb.

Once the dinghies were stowed everyone gathered together for dinner in the Marina Bar, where prizes were awarded for the top three.

All in all a great evening, just have to do it again in a couple of weeks.

David Ogden

http://yachtwatchservice.com/

0198428702

Technorati Tags: sutera harbour marina,optimist racing,yacht watch service

All Day English Breakfast

2009-07-12T08:17:00.003+08:00

Pirates of Borneo is pleased to announce that you can now get an all day breakfast with real bacon from Stonebridge Galley at the Pirates Rib Shack Diner in Asia City.

More and more people are discovering the Pirates Rib Shack Diner and bar and enjoying the open air atmosphere, everything is available from Mr Wong’s Sarawaken Chinese soup, Tarzan's BBQ fish, Western style Ribs and seafood, to sandwiches, ice cream, coffees and tea. Not forgetting cold BEER

Coming soon Massage outlet and free tourist orientation proving advice on where to go and what to do in Sabah.

Join us at weekends for Tri Nations Rugby, AFL,NRL, F1 , the Ashes and other sports events.

On selected evening there is live entertainment.

Call Nick 014 350 8965

http://piratesribshackdiner.piratesofborneo.com

Technorati Tags: pirates of borneo,pirates ribshack diner,Asia City,Kota kinabalu dining

La Salle School Party at the Pirates

2009-06-21T10:07:00.001+08:00

Some hundred plus pupils held a diner dance party at the New Pirates Rib shack Diner in Asia City on Saturday 20th June, easily fitting in the spacious open air surroundings, with live music provided by resident musicians and augmented by some of the staff and schoolmates with sketches, karaoke and dancing.

The Pirates Rib shack diner is the ideal place for functions both large and small and all manner of food can be provided to meet ones budget.

The Pirates formally operated a bar on Kota Kinabalu Waterfront however the smell and pollution caused by redevelopment initiated a move inland where of course food and drink is much cheaper Click Here for Map to the treasured secret, where you will find the best that KK has to offer! at prices you can afford.

Technorati Tags: pirates of borneo,pirates ribshack diner,kota kinabalu

Pirates Of Borneo Leaving the Waterfront

2009-05-29T06:19:00.001+08:00

Time to move

The popular Pirates of Borneo, one of the most popular bars on Kota Kinabalu Waterfront, closes at the end of the month.

Join us on Saturday for our farewell party bash with free food and entertainment and a chance to walk the Plank for the final time.

The party promises to be the best ever as crews from both HMS Bulwork and HMAS Manoora landing ships from the Royal Navy and Royal Australian navy will also be spending their last night ashore.

The question is can they manage to drink the pub dry.

Technorati Tags: pirates of borneo,kk waterfront,kota kinabalu,hms bulwork

Send Out a Real Card For Mothers Day

2009-04-28T15:00:00.001+08:00

Are you the kind of person that uses the Internet to search for cards, I used to send out a lot of e-cards because it was so quick and easy to send them. but over the past few years many have gone missing as email addresses are changed or blocked.

Sending an e-card does not have the same effect as when you send a real card through the post, the recipient misses out on the thrill of opening an envelope , not knowing what it contains and its also nice to be able to display a real card on special occasions such as Mothers day.

I recently discovered a way to send out real cards online and they can be sent using my l handwriting and signature, so that I do not have to bother to search around the shops, I can just browse online and make my choice,

I would in fact like to invite you to try the system for yourself just go to my website Send Out Real Cards

You can then check for yourself how quick and easy it is.

David Ogden - helping People Help Themselves

386 308 1956

Technorati Tags: Real Cards,mothers day

Sonoran Bloom Canada

2009-04-15T09:24:00.001+08:00

Sonoran Bloom

Sonoran Bloom Launched in Canada

Sonoran Bloom Nopalea which was Launched in the USA at the end of last month is now shipping in Canada with its share and earn fast start system which offers higher rewards to Affiliates during their first 90 days of business.

Sonoran Bloom Nopalea fruit drink main ingredient comes from the Nopal Cactus which grows in the Sonara desert in the SW USA. 287 scientific studies have been carried out on the health benefits of the Nopal Cactus and its properties which include protection against premature aging fighting illness-causing inflammation, promote optimal health, right down to your cells and cleanses your body of daily toxins, It probably the most research antioxidant available today.

Everything your body does – and how well it performs those tasks – depends on the health of your cells. No matter how healthy you may look on the outside, trillions of cells on the inside are battling multitudes of microscopic invaders, from toxins to viruses to parasites. These invaders are in the air you breathe, the water you drink, even the foods you eat. It is no wonder your inner health is threatened daily.

All the toxins surrounding your cells can trigger and feed chronic inflammation – in your heart, lungs, arteries, muscles and joints. Inflammation exposes your body’s health to a wide variety of grave disorders. As inflammation increases, our cells become weak and susceptible to premature aging and chronic disease, everything from stroke and arthritis to asthma and heart disease

If you are interested to know more about Sonoran Bloom please Click Here to contact me.

David Ogden - Helping People Help Themselves
Contact Us
TriVita Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Tomorrows home business Group
Sonoran Bloom Web site

Technorati Tags: Sonoran Bloom,nopalea,nopal,canada,Trivita

Weight Loss

2009-03-16T07:47:00.001+08:00

Weight Loss -On the other hand, it can also help with naturally weigh loss if you do not fall into the so-called “fat-free” trap. Manufacturers keep coming out with low-fat or fat-free versions of their best-selling foods, but Americans keep getting fatter anyway.

One of the greatest delusions of the 1990s is that "no fat" means "non-fattening". The truth is, you are often getting just as many calories from the no-fat version, even if the calories are not coming from fat.

To learn more about weight loss the safe way Click Here or to receive my FREE weight loss Report Click Here

David Ogden - Helping People Help Themselves
Health and Fitness Coach
Contact Us
Sonoran Bloom launches in April
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Tomorrows Home Business Group

Technorati Tags: Weight Loss

AARP News

2009-02-23T07:32:00.001+08:00

AARP - Finance

Facts About Older Workers

In 2008, 6 million Americans aged 65 and older were in the labour force (working or actively seeking work), including 3.3 million men and 2.7 million women.
According to AARP, of the 11.1 million unemployed in the U.S., 1.4 million were at least 55 years old.
The December unemployment rate for the 55-plus workforce was the highest monthly rate since October 1992.
The number of older workers classified as "discouraged" (no longer looking for work) by the Bureau of Lab or Statistics has nearly tripled from December 2007 to December 2008, rising from 53,000 to 154,000.
Studies have shown that, after layoffs, older workers tend to be rehired at a slower rate. Many face significant pay cuts to return to the workforce.
The median weekly earnings of workers 65-plus in 2007 was $605 or 13 percent less than the total workforce.

Source: National Council on Aging

This is certainly a worrying time for AARP members especially those without saving or who are faced with negative equity from their homes. So what can baby boomers do to alleviate the situation.

Well a growing number already communicate via the Internet and perhaps this is an area which can provide a solution for their problems by working from home'

David Ogden - Tomorrows Home Business - Retire in Ten Years
Contact Us
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Tomorrows home business Group
Earn money with AlertPay
Work From Home USA

Technorati Tags: AARP

Weight Loss

2009-02-17T09:36:00.001+08:00

weight loss diet tips that can be followed anywhere, everyday:

Consult the doctor before beginning an exercise or weight loss program.
Look for a weight loss “buddy,” club, or support mates. This will motivate you to stay and enjoy your weight loss program.
Though it’s hard at first, try not eating 3 hours or more before bedtime.
Do not skip meals. Skipping meals slicks the body into slowing down the metabolism, attempting to conserve calories during a period where limited fats and fuel are available. Remember that eating increases the metabolism.
Eat before you go food shopping and always prepare a shopping list. Only buy food which relates to your weekly menu plan and don’t be tempted to buy goodies.
Eight hours after waking up, our metabolism slows down that is why 30 minutes of exercise before dinner will increase the metabolism for about two to three hours. This produces an increase in burned fat even hours after the work out is over.
Good cooking and healthy eating begins with learning about nutrition and how to prepare healthy recipes
Stuff vegetables like capsicum and zucchini with flavoured fillings or minced chicken, white meat or fish. These are healthy and contain low fat.
Take pita bread roll ups or wraps with salad fillings.
Add alfalfa or mung beans to salad to get extra iron.
Learn how to make the family favourite recipes and make sure that fats, salt, and sugar are cut out. Substitute non-fat yogurt for cream, stir-fry without oil and use herbs and spices instead of salt to taste.
Complete three small meals and two snacks everyday instead of one or two huge meals.
Use chicken stock when stir-frying. This will cut down on hidden fat.
Buy non-toasted muesli instead of the toasted ones. A plate of toasted muesli contains more fat than a plate of bacon and eggs.
As much as possible do not remove the skins of fruits and vegetables since most of the nutrients are concentrated under the skin.
Warm water with just a squeeze of lemon juice before breakfast get the metabolism going for the day, this also help preventing constipation and is excellent for the skin.
One of the best sources of vegetable protein is from soya beans or tofu. All legumes provide some protein, so include lentils, lima beans etc into casseroles and soups.
Make pasta a fast food choice - preparing a pasta meal or salad will only take 10-12 minutes.
Chilli helps to speed up metabolism - even the milder varieties.
Try making omelettes without adding the yolks! A dramatic decrease in fat.
Substitute baking soda, baking powder, MSG and soya sauce in cooking.
Remove fat by dropping ice cubes into the baking tray. Fat will stick to the ice cubes.
Drinking hot water instead of cold water in the morning can increase the speed of your metabolism and burn more calories.
Make a delicious low fat mayonnaise by combining one teaspoon of Dijon mustard or satay sauce with a low fat yogurt.
Slowly eat and chew each bite during meals as this would decrease one’s appetite.

Remember the secret to Weight Loss is consistency.

To find out how you can lose weight the safe way Click Here, or to receive my FREE weight loss Report Click Here or if you want a Free Fast Track To Weight Loss DVD Click Here

David Ogden - Health and Wellness - Lose Weight USA
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Tomorrows Home Business Group
Earn money with AlertPay
Working From Home - Starting Your Own Business

Technorati Tags: Weight Loss,Diet

Retire In Ten Years

2009-02-13T10:24:00.001+08:00

Retire in ten years, is an option when you run an online business. but there is a secret.

Let’s face it, if you put off talking to everyone you know because you might be afraid of what they might think of you and your business, then you can never expect to achieve the level of success that others have when they have talked to everyone they know. The contact list is the life blood of any MLM business, and to be hesitant to work through the list is a good way to lose any momentum and a reason to just quit like so many have in the past.

How do you get past this problem, start your home business, and retire in ten years?

With the Internet, e-mail, and software available, today is a new day in network marketing. No more bothering friends and family and trying to convince people against their will to join your business. You now have the ability to post your business out there in cyber space and find that there are people who actually want to join your business. This may be just the answer for you to revive your business and get you over the hurdle that’s been keeping you from earning the income available in your home based business. But how do you get started?

The key to success that will allow you to retire in ten years, is getting customers for your business and to be honest its a problem for many home business owners, who spend many hours cultivating business leads and often give up. There is however an answer and that is to buy customers, that way you can save all the cost time and hassle in marketing your product and build a good customer base.

Now not many people know this secret that will allow you to retire in ten years, but there is a direct selling company in the USA that will sell their customers to you, and what is more on top of earning ongoing commissions they will continue to market to your customers.

Does this sound to good to be true?, well it gets better you can join in with a group of fellow entrepreneurs who will work with you to grow your business.

David Ogden - Tomorrows Home Business - Retire in Ten Years
Contact Us
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Earn money with AlertPay
Working from home marketing

Technorati Tags: Retire in Ten Years,buy customers,working from home,work at home,home based business

Weight Loss

2009-02-09T07:53:00.001+08:00

Weight Loss Tricks

Here are some out of the box light hearted ideas for weight loss that you might like to try, no guarantee that they will work, but they only take a few minutes and are a change to the drudgery of dieting.

1. Spinning to balance hormones for rapid weight loss

Balanced hormones are a key to weight loss. Since most people don’t have balanced hormones, most people are fat and have a hard time losing weight. Spinning is increasingly becoming really popular for weight loss due to the fact that it does balance the hormones.

So if you spin around in a circle… much like what kids do naturally, you can unleash your body’s own natural ability to lose weight quickly and efficiently even if you don’t change your diet or exercising. So get spinning! It only takes 15 seconds.

2. Belly rubs for weight loss

To burn off fat deposits from your stomach, rub your hands together for 15 seconds (to generate friction heat) and then rub small circles around the belly button.

Do this for 25-40 seconds each time and for a few minutes twice a day. This works because of the heat… it attacks the fat cells. To put a picture to it, basically the fat cells get zapped and loosen up and get shuttled out of your body.

3. Eat apples

Ok, ok, this isn’t anything new or exciting like the above 2 tips. I know, but that doesn’t mean eating 2-3 apples a day doesn’t significantly help with weight loss. IT DOES!

You can literally lose a few pounds a month with just this tip alone. So why wouldn’t you take every opportunity to get rid of every extra pound that you can? So why not cheat weight loss and use these weight loss tricks so you can start making your extra weight disappear without much effort at all?

To find out how to lose weight the safe way Click Here, or to receive my FREE weight loss Report Click Here or if you want a Free Fast Track To Weight Loss DVD Click Here

David Ogden - Health and Wellness - Lose Weight USA
Sonoran Bloom launches in April
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Tomorrows home business Group
Earn money with AlertPay
The Truth About Web Prosperity

Technorati Tags: weight loss

TriVita - Success

2009-02-07T10:53:00.001+08:00

Meet Precious - a TriVita Member since 2003. She’s had a positive experience with several TriVita products and now she’s referring more and doing great!

Precious (left) & her daughter

Personal Stats:
Name: Precious D.
Location: Bloomington, IN
Age: 55 Occupation: A licensed LPN

Favourite Products:

Sublingual B-12, B-6 & Folic Acid
Adaptogen 10 Plus
Gingko Biloba

Product Story:
Precious’s great success with Sublingual B-12 has allowed her to recommend TriVita to both family and friends. “My 27-year-old daughter is also a regular user of TriVita Sublingual B-12,” Precious remarks. “It has really helped with a medical condition. She is also an opera singer and takes Adaptogen 10 Plus to deal with a very stressful life. It works wonders and she loves the products.”

Referring Activity:
Precious had 11 referred accounts as of October 2008. The Refer & Win Celebration encouraged her to refer even more. Her tremendous success has also earned her Gift Cards and compensation checks. “I am so thankful for those extra rewards.”

She is also thankful for what TriVita products have done for her friends. Precious recommended VisionGuard to her dear friend, Deborah, who was having glaucoma problems. The doctor started Deborah on medication which gave her dark circles under her eyes. Precious then suggested VisionGuard to her. After only a month Deborah's doctor observed a big improvement in her eyes. Deborah told the doctor about VisionGuard and he asked her to bring more information to him. She is on her second month with VisionGuard and is absolutely thrilled with the results. Because of Deborah’s success with VisionGuard, Precious’s brother is now making it a part of his regimen.

She has her own agency called Nurse Angels, where she assists people with health-related issues. Through Nurse Angels, she is able to recommend TriVita products to people who can benefit from them and show them the way to health and wellness. Precious is also going to school to become a Registered Nurse. “My great referral success has earned me fantastic rewards,” she says. “Better yet, I have the satisfaction of helping improve people’s lives.”

David Ogden
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AARP Finance

2009-02-06T10:31:00.001+08:00

AARP - Finance

The UK has reduced its Interest rate to 1.0% as expected but this is a twin bladed sword because saving rates have also reduced which effect many retired people.

There is also a glimmer of hope in the UK housing market based on a recent survey, it seems that houses prices have reached a level where first time buyers are prepared to enter the market, provided they can obtain loans to borrow between 3-4 times their income. At the moment it looks like the housing market will improve ahead of the USA, where investors are still looking for the market to fall by a further 20% or more mortgage rates are rising

Last week, when the average 30-year fixed mortgage rate was 5.48%, a $200,000 loan would have carried a monthly payment of $1,133.07, according to Bankrate.com. With the average rate now 5.70%, the monthly payment for the same size loan would be $1,160.80, a difference of nearly $28 per month.

In the USA the senates debate on the economic stimulus plan is due to conclude on Friday morning and it is expected that the funding requirement will be reduced to help the budget deficit.

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Retire In Ten Years

2009-02-04T11:23:00.001+08:00

AARP Plan To Retire in Ten Years

The word retirement is not something of much concern when people are young. It is 20 or even 30 years away and a lot can happen during that time. The thought of retiring and what to do when the time comes, is a dream and with proper planning that can become a reality.

All the financial upheaval at the moment is taking us back to the time when retirement did not exist, people worked until they died. Relying on state benefits and retirement plans can be seen not to be wise, ask anyone who has a 401(k) plan about their retirement plans now and their dream has been taken away.

If you are serious about retiring you need to start planning early to create wealth. Little things such as buying groceries from the supermarket instead of the local convenience store since items are much cheaper there. A person can also buy generic stuff instead of designer products that are of equal quality. The money saved is a start and in time, can go a long way due to compounding.

The best way to plan to retire in ten years, is to have full control of your wealth creation process and one way to do this is to run your own business and take full control of the situation. There are markets and opportunities out there which will allow you to retire in ten years, and they do not rely on stock or shares or insurance policies to fund your retirement.

The ideal plan to retire in ten years is to reinvest all income back into your business for a period of ten years and over that period of time the compound affect can then provide you with an ongoing monthly income from your business.

You need to be strong willed to reach you goal to retire in ten years, most people fail because they would rather spend the profit rather than feed it back into their business.

The question is do you have the belief that you can retire in ten years, if so please feel free to contact me.

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Weight Loss

2009-02-03T08:54:00.001+08:00

You have made the decision that you can improve your health by starting a weight loss diet. But, you know from past experience that it is difficult to work out exactly what you can eat and what food and drink you need to avoid.

The common weight loss dieting tips are cutting out items such as sugar, and fizzy drinks But what about other foods? Are there certain foods we are avoiding when in fact they could be beneficial to our weight loss? The answer to that question is yes. In this short weight loss article I will discuss several dieting blunders which many people fall victim to.

One of the first mistakes that many people make is cutting dairy products out of their diet. A lot of people who are on a weight loss diet stay away from milk, yogurt, butter, as well as other calcium rich products. That is a big mistake. Recent research suggests that the human body burns more fat when it gets enough calcium and it produces more fat when it does not get an adequate amount of calcium. That is why it is wise to consume low fat milk, cheese, and yogurt.

Another weight loss blunder we make is skipping breakfast. Many people feel that skipping breakfast is the best way to decrease our calorie intake for the day. Little do we know that by missing this important meal we are much more likely to snack throughout the day and eat a rather large lunch. Since we miss breakfast we are stricken by hunger for majority of the morning which easily leads to unhealthy snacking. The calories which we eat while munching on junk food quickly add up and exceed those which we skipped by missing breakfast. So as you can see quick weight loss is attainable as long as you stay away from these dieting blunders. There are even all natural weight loss capsules and herbal remedies to help you along the way.

To find out how to lose weight the safe way Click Here, or to receive my FREE weight loss Report Click Here or if you want a Free Fast Track To Weight Loss DVD Click Here

David Ogden - Health and Wellness - Lose Weight USA
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Financial News

2009-02-02T08:57:00.001+08:00

AARP Finance

Interest rates in the UK are expected to fall again this week as a measure to bolster the failing economy. The spectre of Deflation is looming in the background.

Howard Archer, chief UK and European economist at IHS Global Insight, said the Bank was "under severe pressure" to cut rates by another half percentage point.
"With GDP suffering its largest drop for nearly 30 years in the fourth quarter of 2008, latest data and survey evidence largely reinforcing belief that the economy is poised to suffer in 2009 the largest single year contraction since the Second World War, credit conditions remaining extremely tight, and a period of deflation highly possible in the second half of this year, the pressure on the Bank of England to act is intense," he said.

The USA is little better of having already reduced rates and awaits the approval of the financial stimulus plan later this month

David Ogden - Tomorrows Home Business - Retire in Ten Years
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AARP

2009-01-31T07:33:00.001+08:00

AARP Finance

A very gloomy end of the week for AARP member, who might not be effected by the massive job losses at Boeing Chicago, but will certainly be taking notice that the stock markets have had their worst January ever.

The Dow lost 8.8% in the month, putting it on track to close out its worst January since 1978, when it fell 7.4%. The S&P 500 lost 8.6% according to early tallies.

The Nasals's loss of 6.4% was eclipsed by last January's loss of 9.9%. That 2008 loss was the worst in the tech average's history, going back to its inception in 1971.

Last year saw 2.9 Million job losses and this years forecast is for a further 2.0 Million so the next few months will be critical. Japan has announced some 27,000 thousand job losses, in electronics and car industries and in the UK Honda is closing its car plant for four months. Many AARP members are looking a the Internet as a way to earn extra money and groups such as Tomorrows Home Business can show you how to build a substantial fund over a ten year period.

Sonoran Bloom

2009-01-29T12:18:00.001+08:00

Sonoran Bloom Nopalea product is to be launched in Phoenix on March 26th Business TriVita Business Affiliate will receive Sonoran Bloom training from 1-5 PM, and are also invited to attend the March 26th Member "Evening Event" scheduled from 6:30 PM to 8:00 PM.

At this evening event, Affiliates, Customers and Guests will get to meet the CEO, Michael Ellison and Chief Science Officer, Brazos Minshew, learn about the Share and Earn Bonus program which can earn affiliates between $500 -$2,000 in the first 90 days and be the first to experience the new Sonoran Bloom™, Nopalea™ product!

The Sonoran Bloom Nopalea™ is a fruit drink contain anti oxidants,which help prevent aging. detoxify your body mad fight fatigue

All registered attendees will receive a FREE 32 oz. bottle of Nopalea™ and discover how to earn generous rewards.

Save the date for Thursday, March 26, 2009 at 6:30 PM at the Phoenix Airport Marriott Hotel. More details to follow regarding registration, etc. in future Weekly Updates."

It will be a significant event for TriVita and all business affiliates who attend. They will receive the inside early information regarding Sonoran Bloom and its health benefits.

If you are interested to know more please contact me or For More Health Information from TriVita Click Here

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AARP

2009-01-28T21:04:00.001+08:00

Today the House of Representatives vote on the Economic Recovery Package and members of AARP wave been writing letters to their representatives to support the package, this was a typical letter

Dear [Decision Maker],

Please personalize your message As an AARP member, I urge you to pass the strong, comprehensive economic recovery package that will reach the House floor this week. This legislation would directly address the most immediate and day-to-day needs of the Americans who most need relief.

In particular, I am very pleased that the current legislation includes crucial funding for state health and long-term care programs, improvements in health care - such as health information technology, health care effectiveness research, and nurse and primary care training, affordable health insurance options for those who lost health coverage along with jobs; funding to help those who have lost employment; and needed money for the Social Security Administration.

Because older Americans have been particularly hard hit by the economic crisis, I urge you to support the House legislation to help with our economic recovery. I also urge that any final package also include a direct payment to the over 25 million individuals 65 and older who no longer work and cannot benefit from the worker tax credit, as well as stronger protections for home and community based services.

The gravity of the economic crisis requires urgent action - the House package will help provide much-needed relief to millions across the country.

Sincerely,

[Your Name]
[Your Address]
[City, State ZIP]

Now we have to await and see if the AARP lobby has been successful, if it fails then perhaps AARP Members will have take matters into their own hand and consider starting a home based business to create an additional income stream. Tomorrows Home Business can show you how to build a substantial retire fund in ten years.

AARP

2009-01-27T17:58:00.001+08:00

AARP Finance - job cuts

Now that the Obama has taken over the reins companies across the USA have started to announce massive job cuts in order to survive.

Caterpillar, a Dow component, said it will cut 20,000 jobs, or 10% of its workforce due to the impact of the rough economic environment. Caterpillar also reported that fourth-quarter earnings tumbled 32% from a year ago. Caterpillar (CAT, Fortune 500) shares lost 8.4%.

Home Depot (HD, Fortune 500) said it was eliminating 7,000 jobs as a result of closing its high-end EXPO business and cutting its support staff. Shares gained 4.7%.

Sprint Nextel (S, Fortune 500) said it will cut up to 8,000 jobs in the first quarter and take a charge of more than $300 million, as it contends with the sluggish economy. Shares gained 1.2%.

Now these are the the big ones, elsewhere reports are coming out of salary reductions and laying of of full time workers, so what does this mean to AARP members many of whom have taken up jobs to help meet their costs in retirement.

Times are going to be hard for the foreseeable future and its no use members of AARP looking to others or relying on working for someone else to make a living. The time is ripe to work for yourself and their are many opportunities available. you just need to find one that suits you. be it earning commissions from sales, or delivering items door to door.

Many AARP members are looking a the Internet as a way to earn extra money and groups such as Tomorrows Home Business can show you how to build a substantial fund over a ten year period.

Retire In Ten Years

2009-01-26T08:50:00.001+08:00

AARP
Retire in Ten Years - Planning ahead

Planning to retire soon, or a distant someday? If you're discouraged about the prospects of retiring, you're not alone: Only 18% of workers are very confident about retirement, according to the Employee Benefit Research Institute.

With all the economic gloom-and-doom you hear these days, no wonder so many people feel uneasy. Your best bet? Make sure you have a solid retirement plan – starting today so that you can retire in ten years.

calculate your retirement savings The first step is to calculate your retirement savings. Ask yourself these questions:

How much do I have?
How much will I need to retire in tens years and live comfortably? (Be sure to include healthcare costs)
How much time do I have to create a nice nest egg?
Where will the money come from?
Social Security (go to ssa.gov for an online benefits calculator)
Pension(s)
Investments

The Employee Benefit Research Institute survey found that when people calculated their retirement savings, it had a strong effect on their behaviour: 44% changed their retirement planning strategy and 59% started saving and/or investing more.

Work longer
Many people of retirement age are finding that they must work longer than they had originally expected. Sometimes working a few extra years can make a huge difference when it comes to retirement funds. If you have to continue working to retire in ten years, there are some steps you can take to maximize your money:

Contribute the maximum amount to Individual Retirement Accounts (IRAs)
Contribute the maximum amount to your employer-retirement plan (if you're no longer working, you can roll over your 401(k) to an IRA)
Try to keep at least three months' expenses in a savings or similar account.
Seek expert advice

When it comes to financial planning, most of us could use some expert advice. And because life expectancy keeps increasing, seniors are finding themselves retired much longer than previous generations. This means the retirement plans of yesterday won't work for today – or tomorrow. Be sure you're prepared for this extended phase of life by consulting a financial planner (check credentials before hiring anyone). He or she will be able to assess your specific situation and offer the best suggestions to fit your needs.

Whether you plan your own retirement strategy or seek expert advice, the important thing is to plan. Take steps today so you'll be retirement ready tomorrow.

Are You ready to retire in ten years?

Planning is the name of the game

Employment in the retirement age
Are you 50+ and looking for a job?
Visit these web sites to find job postings, career advice and helpful job-search tools. http://aarp.org http://workforce50.com http://retirementjobs.com http://seniors4hire.com
Or start a home business which can help you >retire in ten years.

Tomorrows Home Business has a business model prepared by economist Dr Raymond Jewel, and which can be customised to meet with your own circumstances and required income. You are invited to attend a live presentation every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.

David Ogden
TriVita Independent Business Affiliate 13142173
Phone 1-386-308-1956
Skype Seadogs11
How to Retire In 10 Years
Web Prosperity Review

Retire In Ten Years

2009-01-26T08:48:00.001+08:00

--
David Ogden - Internet Marketing Mentor
TheInterbiz LLC
http://DavidOgden.org
http://tomorrowshomebusiness.com
http://visittrivita.com/13142173

Email itsgoodbusinessasia@gmail.com
Tel 603 217 5219
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AARP - Retire In Ten Years

2009-01-19T18:25:00.001+08:00

AARP

AARP -Health after you retire in 10 years

The earlier you retire the more you need to think about what you are going to do in retirement to maintain your health.

An AARP study found people who get regular, moderate exercise tend to avoid the costs of long-term and chronic health care for 10 to 20 years longer than people who don't. That can add up to big savings, as well as a better quality of life: costs for top private care can run up to $80,000 a year or more. It pays to take care of your health after you retire.

How can you help keep your health care costs low?

AARP Members have found lots of ways to stay healthy and avoid expensive medical bills. Here are just a few:

Walking
Swimming
Cycling
Senior fitness classes and sports clubs
Gardening, mowing the lawn, raking leaves, sweeping snow off your steps
Ballroom dancing
Working as a volunteer
Getting regular check-ups with your doctor

Remember: A healthy lifestyle can save you money

You'll live longer and you'll feel better and enjoy life more. Don't give up if you are less healthy now than you would like to be. It's never too late to get back on track

So you see retirement is no longer the end of the line waiting for God, so why not try to retire ten years early like many AARP members.

If you do not have enough money yet I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.

David Ogden
TriVita Independent Business Affiliate 13142173
Phone 1-386-308-1956
Skype Seadogs11
How to Retire In 10 Years
Web Prosperity Review

AARP - How to Retire in 10 years

2009-01-06T14:43:00.001+08:00

The AARP secret of how to retire in 10 years

The current financial crises has led many people to look at their current retirement plans and many pensioner are finding they are having to live on a reduced income.

Job security and pension can no longer be guaranteed and many people will need to work longer than they had planned to provide an adequate standard of living in their retirement years.

Last year I discovered the AARP secret of how to retire in 10 years and I wish I had found it 10 years ago. the secret is one of the laws of wealth called compounding and all you have to do is to join Tomorrows home business and follow their plan actively running a business for tens years and reinvesting all earnings. At the end of ten years you can retire and continue to live on a monthly income of thousands of dollars.

Does this sound to good to be true? Well I can tell you it works and we explain exactly what you need to do at our weekly presentations held every Thursday at 6pm PST. Click here to enter room and follow the instruction for logging in.

If you have any questions or want a personal presentation on how to retire in 10 years please contact me.

David Ogden
TriVita Independent Business Affiliate 13142173
Phone 1-386-308-1956
Skype Seadogs11
AARP - How to Retire In 10 Years

AARP Finance

2008-12-24T08:44:00.001+08:00

AARP Finance - As the year draws to a close stocks around the world are falling with day after day of bad news. Banks, Car Manufacturers, Home Owners and many large retail stores face an uncertain future and little is expected to change as the new year dawns.

AARP members are recommended wherever possible to reduce outstanding debts and to start living within their means. The few AARP members who are debt free are the lucky ones and are in the best position to be able to take advantage of market situations. The Majority need however to sit down over the holiday period and examine their finances.

Perhaps house owners with a large mortgage would be better to sell off and rent property instead of servicing a large debt. Use public transport rather than cars.

Spiraling credit was a root cause of the financial problems that beset AARP members. Credit cards are an expensive way of borrowing money, so it is important to pay off more than the minimum every month and if possible stop using a credit card and plan to replace it with a debit card once the balance has been paid off.

AARP members should seek out cards which offer zero percent on balance transfers which will help pay of thier dept earlier and avoid paying high interest rates.

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AARP

2008-12-10T06:07:00.001+08:00

AARP Finance - The upward trend of stocks continue, bolstered with the news that a deal with the automobile manufactures is likely to go ahead provided their are changes in management who caused the problems in the first place. The USA cannot afford to close the plants down but will need to make them more efficient.
Around the world Governments are starting to consider public infastructer projects as a means of improving the world financial problems by increasing employment and providing work for construction companies.
Obama has now also confirmed he will continue with the tax cuts set up by Bush. Yes there are more bad statistics due out this week but it is likely that those figures have already taken into account.
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AARP

2008-12-05T08:31:00.001+08:00

AARP Finance - Once more interest rates around the world are falling as Governments seek to kick start their economies, so what does this mean for AARP members.

If you have loans it will be good news provided the lenders pass the savings on to you, so what are you going to do with the extra money. AARP members need to set up a strategy to start reducing debts that have the highest interest rates such as credit and store cards. Paying off more than the minimum each month and not using the card will save you money. A Cash Society will get you out of dept.

For many AARP members with savings on deposit a fall in interest rates is a bad, so you need to find ways of earning a higher return, find out which banks offer the better rates. Some AARP members are seeing both their cash and stocks falling in value and are beginning to look outside the box on how to protect their lifestyle. One way to do this is to start your own business. A home business offers many tax breaks and also for retired and semi retired members of AARP an interest to keep their minds active, rather than vegetating at home.

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AARP

2008-12-04T07:54:00.001+08:00

AARP Finance - It is no wonder that The USA Car Industry is in trouble, as The United Auto Workers have in place a Job Bank which guarantees laid off auto workers 95% of their base pay if they are laid off. The Union agreed yesterday to suspend this job Bank system at GM which is due to run out of money by the end of this month.

Job Loses are continuing to grow with Job cut announcements jumping to nearly 182,000 in November, up 61% from October and up a whopping 148% from a year ago.

Now is the time to for AARP members to buy stocks, although the market will still bounce up and down perhaps for a further month, but long term gains can be expected. It may take shares 3 years or more to replace lost paper value, but with stocks a low value there are good long term prospects.

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AARP

2008-12-03T08:16:00.001+08:00

AARP Finance - Can Americans Afford to Retire?

For many Americans, working for one employer for your career once meant you would receive money in retirement for the rest of your life. Together with the guaranteed, lifetime benefit from Social Security, workers with a company pension knew that they would have retirement income no matter how long they lived. But more and more employers have stopped offering guaranteed pension benefits and instead offer savings plans, such as 401(k)s, that require workers to plan for their own retirement. Today, financial security and peace of mind in retirement is in jeopardy as many people find that they do not have the time to figure out how much they need to save or have questions about how to best manage their investments.

Even though people are optimistic about their ability to save for retirement, consider this:

Half of all private sector workers do not participate in an employer-sponsored retirement plan such as a 401(k).
People are living longer, requiring even more savings and good investing decisions to make money last a lifetime.
Financial services and products are often confusing or too complicated. Getting good, unbiased financial guidance is often difficult.
Many people struggle to pay for basic household needs, health care or emergencies and build a nest egg at the same time.

More AARP Members need a way to save for their personal nest eggs before the government takes a bite out of their paychecks. Putting money in an employer-sponsored retirement plan with automatic payroll deduction, such as a 401(k), gives you an immediate tax deduction and you won't pay taxes on the investments in the account until you make withdrawals. Unfortunately, many Americans cannot get the tax benefits of saving because their employers don't offer automatic payroll deductions. Others never sign up for plans that are offered. The result is that too many people end up paying more taxes and not saving enough.

Every AARP Member should have a simple, effective, and easy to understand way to build their personal nest eggs. Businesses can make a difference by offering better retirement plans and savings incentives such as matching funds. Government can help by making it easier to save money tax-free and encourage more savings. And individuals must take responsibility by paying themselves first.

Redefining retirement

By 2010, 1 in 3 workers will be over the age of 50. There are 78 million Baby Boomers in America who are starting to move into their retirement years. However, this doesn't mean that all working boomers are going to leave the workplace.

The word 'retirement' doesn't mean what it used to. More and more people are working well past retirement age. In fact, 8 in 10 boomers say their idea of retirement involves some kind of work, whether part-time or full-time. They plan to work past age 65, and many plan to work well into their 70's.

Some boomers want to continue working, and others will need to. Some want to follow their passion, give back to society, and stay connected. For others, work will help them make ends meet and pay for health care.

Valuing experienced workers

AARP Members 50+ have a lot to contribute. They bring years of experience to the job. They offer valuable skills and loyalty. These employees have a strong work ethic, and they take work seriously.

And many employers 'get it.' They see the value in an experienced workforce. They want to hire and keep mature workers. That is why many companies are changing the workplace so they can take advantage of this great resource. Employers across the country are starting to offer options like flexible scheduling and job sharing, which can benefit all workers.

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AARP

2008-12-02T08:48:00.001+08:00

AARP Finance - Stocks tumbled yesterday as it become known that the USA has been in recession for over a year and this recession is likely to last another six months making it the worst since the 1930's.

Job losses continue to mount on a daily basis. A major decision about the future of GM is expected this week, but it is hard to see the government supporting a company which builds cars that the public do not want.

One of the few ways for AARP members to protect their lifestyle is to take matters into their own hands, many are resorting to garage sales or seeking to build online businesses to bolster their falling income from their retirement plans.

David Ogden - Tomorrows Home Business
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AARP Finance

2008-12-01T09:37:00.001+08:00

AARP Finance - Black Friday sales showed a higher than predicted levels about a 2.2% increase on previous years, however many retailer had worked hard to attract customers to spend more and perhaps once the bargains run out sales over the holiday period will fall.

In the UK retailers are expecting a slump in pre Christmas sales,

This week could prove important for AARP members, pundits are expecting stocks to fall, however bearing in mind the relatively good Black Friday results, Low price of oil and the fact that the week following Thanksgiving traditionally show gains, if these occur it could be that the optimism will start driving stocks up.

The car giants in the USA are once more going to plead there case for support and it will be interesting to see if any new information comes to light which might support their request for aid.

The UK government have now announced they have a 60% holding in Royal Bank of Scotland group following a failed share offer. The Bank was caught out with many sub prime loan defaults.

Around the country many AARP members are resorting to garage sales in order to raise cash to pay outstanding bills.

David Ogden - Tomorrows Home Business
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AARP

2008-11-29T10:02:00.001+08:00

AARP Finance - Well Black Friday seemed to start of the sales season with a bang, however many people including AARP members were sticking to using lists of items they were searching for rather than impulse buying.

The stock markets around the world are on an upward trend and its a question on how long the trend will continue.

Many AARP member have seen 35% falls in the value of their 401(k) plans but it will be some time before these losses are made up. If your plans are showing heavier losses than this then you need to consider alternative investment strategies to bring in more money.

During times of recession many AARP members look for alternative ways to bring in more money, such as starting a home business or taking on part time jobs, however with increasing job loses the home business idea has a better chance of success.

David Ogden - Tomorrows Home Business
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AARP

2008-11-28T11:30:00.001+08:00

AARP Finance - Black Friday might offer the biggest savings yet as retailers slash prices to capture sales at any price, however this could be their downfall. In the UK two popular retailers Woolworth and MFI are in trouble.

There is better news for AARP members as banks around the world are beginning to show signs of recovery after receiving government aid packages and becoming partly nationalised.

Stock markets are closed in the USA as AARP members celebrate Thanksgiving but around the world stocks are holding firm/

David Ogden http://igetgoingtoday.vom/
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Sir Francis Drake - Privateer

2008-11-26T18:29:00.002+08:00

Between 1577 and 1580, the Golden Hinde circumnavigated the globe under the command of Sir Francis Drake – the legendary privateer supported by Queen Elizabeth in his mission to explore the world’s oceans, causing as much damage to the Spaniards as possible in the process.

Perhaps history’s boldest pseudo-pirate, Drake and his galleon, originally known as the Pelican until Drake renamed it mid voyage, became the scourge of Spanish galleons. By the time the ship returned to England, Drake’s acts of seaborne armed robbery had netted each of his investors a 4,700% return.

Although the original ship disintegrated more than four centuries ago, two replicas exist. This one, like the original, has also circumnavigated the globe. Built in Devon and launched in 1973, it is currently docked on the Thames.

image © Ben ChernivskyNovember 25 2008

AARP Finance

2008-11-26T10:25:00.001+08:00

AARP Finance - A recent AARP article suggested that prudent investors should have around 6 months worth of living expenses in cash or short term savings in order to cover unforeseen event, which seems a good idea. Depending on your income this could be a sizable amount, so you need to take care that at least two thirds of your assets are earning money for growth.

At the moment AARP members have a difficult choice to make as interest rates are low and many are wary of purchasing stock. so what alternatives are there. Some ARRP members are taking the future into their own hands and building income by starting a home business, this can however prove to be expensive, when one looks at advertising costs and the like and also they need to sell products or services which people can still afford.

One of the major concerns of AARP members is health and this industry continues to grow - Walgreen (NYSE: WAG) reported a 2% increase in same store sales for October in its 7000 plus stores. Walgreen is ranked third of the big three pharmacy chains. During the September/October period, Walgreen stock plummeted more than $10/ share, but has been relatively even-keeled since then, mostly trading in the $22-$25/ share range. Walgreen offers a dividend yield of 1.9% at its current price.

David Ogden - Tomorrows Home Business
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AARP

2008-11-24T08:38:00.001+08:00

AARP Finance - Will Thanksgiving mark the turning point of the market.

Traditional stocks and share have always risen either during the week either side of Thanksgiving day, the question of AARP members lips is will this mark the start of a revival.

Citibank group is struggling to survive and may be up for sale. The automobile industry is struggling even with the price of oil falling and many jobs in associated businesses continue to be at risk.

AARP members need to take stock of the situation and those that have savings are seeing lower returns due to the fall in interest rates which are now hardly matching inflation. It is better at the moment to use some savings to pay off credit and loan account which have high rates of interest rather than keep the money in the bank.

Fannie May and Freddie Mac have both announced an armistice on foreclosures during the holiday period until January. "With this suspension, seriously delinquent borrowers may have an opportunity to avoid foreclosure and work out terms to stay in their homes," said Federal Housing Finance Agency director James B. Lockhart III, the regulator in charge of Fannie Mae and Freddie Mac. This will provide a little bit of cheer for a few AARP members.

David Ogden - Tomorrows Home Business
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AARP

2008-11-23T08:16:00.001+08:00

AARP Finance - "There are Americans showing up to work in the morning, only to have cleared out their desks by the afternoon. Retirees are watching their life savings disappear, and students are seeing their college dreams deferred. These Americans need help, and they need it now." President-elect Barack Obama said Saturday offered an outline of his economic recovery plan and jobs were the top priority.

The question on many AARP members is will it be too little too late. details of the plan are nor know but will include rebuilding infrastructure such as roads and bridges and building alternative energy resources for when oil prices rise again.

Like the financial market it will take time for the results to filter into the economy and in the meantime GM will probably go bankrupt at the the end of the year. Supporting British Leyland during the last financial crisis cost the UK taxpayers $900 million and still the company failed. so perhaps the big three in in the USA should be left to their own devices. One has to wait an see how this issue will affect AARP members.

David Ogden - Tomorrows Home Business
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AARP

2008-11-21T19:39:00.001+08:00

AARP Finance - There is some slightly good news on the horizon as stock markets in Asia rise but it is a question if USA will once again bounce back.

The Rescue package for the automobile industry is on hold until early next year. Many AARP members are questioning the need to support private businesses that have been mismanaged. yes jobs will be lost, but why should inefficient businesses be allowed to continue at a cost to the tax payer.

A country can only do so much to support its industry unless you follow the communist model of controlling a country, and look how that fared. The USA is the land of the free so it is up to every person to make the best of it. Rather than become a nation living on handouts. There is a need to resolve one own problems.

There are still opportunities to earn money by working for ones self, take a leaf out of what wealthy people do, buy into an existing successful business and work at building a steady income stream for the future.

Avoid at all cost get rich quick scams and settle on building a business for the long term.

David Ogden - Tomorrows Home Business
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Trivita International

2008-11-21T08:10:00.001+08:00

Become a TriVita International Business Owner with the Most Powerful Business Model on Google Today!

TriVita health and wellness business at present operates in the USA and Canada, however the business opportunity is available Internationally by setting up your own LLC and bank account in the USA.

TriVita Inc was formed some 9 years ago by Michael Ellison as a direct selling company producing health and wellness products. TriVita's flagship product is TriVita Sublingual B-12 B6 and Folic Acid.

TriVita is different to many other business opportunities because it handles all the advertising, including prime time TV, newspapers and mailing. TriVita also sends out catalogues and a monthly magazine to all its customers.

Because TriVita handles all the marketing,sales and deliveries, it saves you money.

TriVita Business Associates and Affiliates can share in TriVita's unique Media Acquisition Program (MAP) and purchase existing customers from TriVita to earn ongoing commission.

Not only can you earn money every time your customers purchase but TriVita continue to market to them as well.

I have personally never seen a business like this in ten years of working online. Initially you could only become a partner of the business if you lived in the USA and Canada, however now TriVita accept International members who set up a Limited Liability Company(LLC) in the USA. If you need help with this please contact me.

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David Ogden
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AARP

2008-11-20T15:34:00.001+08:00

AARP Finance - Is America able to climb out of recession? Stocks have fallen to their lowest level in recent years and companies supporting the automotive Industry are in a dire position with the three largest car manufacturers depending on government money to bail them out.

Members of AARP will be pleased to learn that the price of oil continues to fall, however this does not bode well for the future as exploration and development cost remain hire and in fact many oil companies have put future field on hold as they will no recover their costs.

Alternative energy programs are also being put on hold as oil is once again relatively cheap so there is no rush to come up with energy saving projects.

There is talk of a major realignment of financial power with developing nations seeking to have a better say in World financial matters.

Uncertain times can often be good for AARP entrepreneurs who have a wish to protect themselves from the vagaries of the financial markets by starting their own business.

David Ogden - Tomorrows Home Business
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AARP

2008-11-19T14:30:00.001+08:00

AARP Finance - Many retirees and those nearing retirement are reusing the day when they placed a large amount of their portfolio in Stock rather than bonds as stock shows little upward movement

the much touted $700 Billion rescue plan has not even scraped the surface in resolving the financial situation as jobs continue to be lost and houses repossessed. Some AARP members have resorted to selling their houses in order to provide extra cash, but the question facing them is what to do with the cash lave it in the bank or else find a way of making money work for them.

Some resourceful members of AARP have started their own business to build additional income stream for retirement. but there are risks and one needs to exercise due diligence in order not to waste hard earned money.

One business to consider is Tomorrows Home Based Business

David Ogden http://igetgoingtoday.vom/
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AARP

2008-11-18T09:08:00.001+08:00

AARP Finance - This week has started as last week ended, with more countries officially in recession, this time its Japan the second largest economy. Stock markets continue to slide around the world.

The G8 meeting in Washington agreed that more government spending will be required on a global basis to kick start the economy, but there will be a high price to pay in the future.

Closer to Home Citybank are predicting further job loses of around 50,000 on top of the 23,000 laid off in the last year, as its attempts to get its house in order.

The Gloomy news for AARP members is expected to continue for some time and is not good with winter approaching, which normally results in increased costs. Hopefully fuel costs will not rise again as at the moment production of oil is outreaching demand, but that could all change with a cold winter snap.

If AARP members are facing being laid off they may be able to negotiate with their employer, to reduce their hours by working part time or working from home on a contract basis.

New jobs are harder to come by for older AARP members and they need to perhaps think outside the box and follow up with different ideas for bringing money from another source.

David Ogden - Tomorrows Home Business
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AARP

2008-11-15T08:26:00.001+08:00

AARP Finance - Is it worth borrowing money from your 401(k) fund. Generally you need to keep the money in the plan until you reach age 59 ½. Withdraw any of it before then and you'll be hit with a bruising 10% early withdrawal penalty, on top of the regular income tax that is due on withdrawals from contribution plans.

There are exceptions that AARP members might consider. The IRS waives the 10% penalty for certain "hardship" withdrawals. Each plan's rules vary (check yours to be sure), but you may be able take money out of your retirement account penalty-free before age 59 ½ if you use it for:

Purchasing your first home Expenses
After the onset of a sudden disability
Higher education expenses (like college for your kids)
Payments you make to prevent eviction or foreclosure.Don't count on it, though

This money is locked up until retirement for a very good reason: If AARP members spend it now, they risk jeopardizing their financial security when you're older.

If AARP members can't get the money anywhere else, their best option is probably a loan. Many defined contribution plans allow AARP members to borrow against the amount in your account. You must repay the money to your account within a set period - usually a few years - or the loan is treated as a withdrawal, meaning you'll owe taxes and a 10% penalty on it.

There are three main drawbacks for AARP members to consider when taking out a loan. First, it reduces the money they have growing for their retirement years. Second, they have to pay interest on the amount they borrow - typically the prime rate plus one percentage point - though they do pay the interest to themselves. Third, AARP members must repay any outstanding loan within a few months if you are laid off or decide to change jobs.

David Ogden - Tomorrows Home Business
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AARP

2008-11-14T09:05:00.001+08:00

AARP Finance - The USA economy is in chaos as more and more workers are being laid off, unemployment will probably rise to 8%. so what does this all mean to AARP members who are seeking way of earning extra money to cover their living costs. >AARP members will find it very difficult to get part time or full time jobs as completion for work will increase. Labour Department data showed that the number of people requiring unemployment benefits for more than a week is also increasing, meaning that it is taking workers longer to find new employment. The figure jumped 65,000 to 3,897,000 for the week that ended Nov. 1. That is a 25-year high.

AARP 401(k) and other retirement funds will take some 5 years to provide get back to the level of return achieved before the crisis began.

AARP news from around the world shows that Germany is now officially in recession and oil is hovering around the $60 per barrel level as global oil demand is expected to fall.

My Advice to AARP members is to take your future in your own hands and join an established work at home business to supplement your own, do not join a newly launched business because that will incur high start up cost.

David Ogden - Tomorrows Home Business
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AARP

2008-11-13T09:30:00.001+08:00

AARP Finance Starting DEC. 15, Fannie Mae and Freddie Mac, the mortgage finance giants now controlled by the federal government, will modify loans for borrowers who have missed three or more payments, own and occupy the home as a primary residence and have not yet filed for bankruptcy. More than a quarter of all delinquencies affect homeowners over the age of 50, according to AARP research.

Certainly AARP members in the USA are better off than their counterparts in the UK, where banks are now seeking to foreclose on loans where two payments have been missed and due to a recent high court ruling, using a little know law they can repossess property without going to court, so AARP members should beware.

Members of AARP who have subprime loans where the value of the loan exceeds the value of property will not got any help. The reason the US government stepped in to support banks such as Freddie May and Freddie Mac was due to their mismanagement of loans which started the ball rolling in the first place, so it is ironic that AARP member in severe financial difficulties are not being helped.

On a side note banks and credit card suppliers in the the UK are increasing their rates despite a recent drop in Base Lending rates and some have been slow to reduce their mortgage rates.

David Ogden - Tomorrows Home Business
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AARP

2008-11-12T07:26:00.001+08:00

AARP Finance - NEW YORK (CNNMoney) -- The Bush administration on Tuesday unveiled a new program to modify mortgages and stabilize the battered real estate market, but the plan stops short of providing direct government financial help to at-risk homeowners.

The plan centres on Fannie Mae and Freddie Mac, which between them own or back about 31 million mortgages worth a combined $5 trillion and were the root cause of the financial situation. The federal government took over the firms in September due to mounting losses on their portfolios of mortgages.

Eligibility is determined by several factors: AARP Homeowners must be 90 days or more late in their mortgage payments, owe at least 90% of their home's current value, live in the home on which the mortgage was taken and have not filed for bankruptcy.

AARP mortgage payments would be adjusted through lower interest rates or longer repayment schedules with the goal of bringing payments below 38% of monthly household income. Interest rates could be lowered for five years and then raised to a predetermined level. Loan terms could be lengthened to 40 years. Some AARP members in the UK could also be getting some good news soon as interest rates fall. A couple of lenders have mortgage rates fixed at points below the current bank rate so if the bank rate is cut again they could end up with a 0% mortgage.

David Ogden -Tomorrows Home Business
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AARP

2008-11-11T07:49:00.001+08:00

Why are so many AARP members in dept?

We need to look back to 2006 when the property market began to decline and many people who had gambled on rising prices to pay off mortgages suddenly found themselves exposed. The banks had actively encouraged people to borrow more than they could repay, which is the reason so many banks have now failed.

The loss of faith in the banking sector spread quickly to the stock market this year and suddenly AARP members found their retirement funds had lost value Those AARP members approaching retirement having to make the hard choice of delaying retirement or retiring on a smaller pension.

October and November have seen many companies laying off workers and quite often those laid off are the older workers, often AARP members who are on relatively large salaries as a result of pay rises in boom times, who can be replaced by cheaper labour.

So how can members of AARP improve their situation and get out of dept. They need to cut all unnecessary spending and use cash rather than credit and find additional sources of income with part time jobs or by setting up their own business.

David Ogden -Tomorrows Home Business
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AARP Finance - 401(k)

2008-11-10T09:26:00.001+08:00

AARP Finance - Why Enrol in a 401(k) Plan
Your 401(k) plan enables you to automatically take advantage of tax-deferred growth. With gradual elimination of most defined-benefit pension plans and great uncertainty around Social Security, saving for retirement on your own is increasingly critical.

How to Enrol in a 401(k) Plan
Although some companies automatically enrol employees in their 401(k) plans, you may need to complete a simple form to participate in your plan. You'll determine how much to save and select your investment options. Don't worry! The amount you save, the way you invest, and even your continued participation in the 401(k) plan are all decisions you can change at any time.

A 401(k) Plan is Employment-Related
You can only participate in a 401(k) plan if your employer allows you to do so. Your employer must both offer a plan and you must be eligible to participate. Therefore, you cannot set up a 401(k) plan on your own. (However, if you work, you can establish an Individual Retirement Account (IRA) privately. If you're self-employed, you'll have other retirement planning options as well.)

Contribution Percentages
The amount you save in your 401(k) plan is often called your contribution percentage. If your gross pay is $3,000 and you'd like to put $300 of each paycheck into your 401(k) plan, you'll need to indicate a contribution percentage of 10%, since 10% of $3,000 is $300.

Contribution Limits
For the year 2008, the most you can contribute to a 401(k) is $15,500. If you are 50 or over, you may contribute a total of $20,500. Your employer may further limit the amount you are eligible to contribute. Note that IRA contribution limits are completely separate.

Contribution Deadline
Unlike an IRA, there are no deadlines for contributions. However, the sooner you enrol, the sooner you can begin tax-deferred saving for your retirement.

Tax Deduction
Every regular 401(k) contribution immediately reduces your taxable income. For example, an individual in the 25% tax bracket who makes a $100 contribution to her 401(k) plan will immediately save $25 in taxes. (25% x $100). Although her 401(k) balance increases by the full amount of her $100 401(k) contribution, her paycheck only decreases by $75! Unfortunately, a 401(k) contribution does not reduce the amount you must pay in FICA and Medicare taxes.

Tax-Deferred Growth
Since the money in your 401(k) plan grows tax-deferred, you do not pay taxes on the earnings in the account. In fact, you do not even report the income to the IRS. It is not until you take your money out of the 401(k) plan, ideally during retirement, that you owe taxes.

Investing Your 401(k) Money
Investing your 401(k) money is critical to its long-term growth. Your investing strategy should change over time. The younger you are, the more aggressive your asset allocation should be, meaning increased ownership of stocks. As you near or enter retirement, your 401(k) balance should begin to reflect the reality that distributions are not too far away, and you should have a smaller share of your retirement money invested in stocks.

No Income Limitations
Unlike many other tax deductions and credits, eligibility to contribute to a 401(k) plan is not restricted by any maximum level of income.

Employer Matching Programs
Many employers provide matching contributions to their employees' 401(k) plans. In an employer matching program, the company puts money in the 401(k) plan of each individual who also contributes to their 401(k) plan. If you choose not to participate in your 401(k) plan, you typically forfeit this matching contribution. That's why not participating in a 401(k) plan up the level an employer matches is often called turning down free money.

Required Distributions
In most cases, you must begin to take money out of your 401(k) plan starting with the year after you reach 70 1/2. The required minimum distribution amount is determined by the Internal Revenue Service and is based on your life expectancy.

David Ogden -Tomorrows Home Business
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AARP - News

2008-11-09T09:44:00.001+08:00

AARP Finance news is pretty gloomy these days sales figures are falling as the credit crunch hits customers pockets. Unemployment is increasing as companies start laying off staff and with thanksgiving and Christmas just around the corner it going to be a bleak time.

Just how AARP members will fare its hard to predict already some are cutting subscriptions for cable TV and phone services and switching to the Internet for free entertainment and communication.

The Internet can be a source of income for members of AARP some of whom already run their own online business. Yes you can make money on the Internet so long as you avoid the scams and get rich quick schemes. One business I recommend to AARP members is Tomorrows Home Business, because it is so simple to understand, easy to use and will after a period of 5-10 years be able to provide you with a monthly income for a relatively small initial outlay.

Many people in the USA are waiting for new incentives promised by Obama to materialise, however what ever changes he makes will take a year or more to start improving the situation, in the mean time its up to AARP to take action now to improve their lifestyle.

David Ogden -Tomorrows Home Business
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AARP Finance

2008-11-08T08:22:00.001+08:00

AARP Finance - The 401(k) retirement saving plans used by AARP members was formed 30 years ago and until recently was showing good returns for AARP member who could afford to invest in them.

Many AARP members benefited from match contributions from their employers, but a growing number of companies are now reducing or abandoning matching contributions, which will have a disastrous consequences for those AARP members who are nearing retirement.

Here are some examples of companies who have changed their contributions

Dollar Thrifty Automotive Group Inc saved themselves $1.8 million by suspending matching 6% contributions during fist six months of this year.

General Motors Corp suspended 4% matching contributions.

Frontier Airlines Holdings Inc - Spokeswoman Lindsey Purves said the company discontinued its match June 1 as part of its effort to cut costs as it works its way through Chapter 11 bankruptcy protection. Company put in 50 cents for each dollar employee contributed up to 10 percent of pay.

The double whammy of large loss of value in the 401(k) plans which will perhaps take 5 years or more to recover and the need to contribute more due to the loss of company contributions will result in AARP members needing to delay their retirement date because they cannot afford to retire.

Some AARP members are beginning to think outside the box and looking to set up home based businesses to circumnavigate the shortfall but even plans such as Tomorrows Home business take some years to produce sufficient money to retire on, there is no quick fix.

David Ogden -Tomorrows Home Business
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AARP

2008-11-07T08:44:00.001+08:00

AARP Finance - The Bank of England today announced its single largest interest rate drop since 1981. The reduction of 1.5% was welcomed by the trade unions, Confederation of small businesses and the House builders Council.

Lloyds TSB announced that it will pass on the full amount of the rate cut from 1 December. Other banks are set to follow suit. This follows rate cuts in USA, Japan and Australia. It is also likely that other central banks will announce reductions in the near future.

European Central bank cut rates by 0.5% and Korea is expected to announce a rate reduction tomorrow.

Stock markets around the world had a bad day however which indicates there is a no quick fix the the worlds financial woes.

If AARP members are looking for ways to increase their income, they perhaps need to take matters into their own hands and consider starting their own business or at least associate themselves with a business that is still making money.

Changes in administration following the election of Obama will affect how aid packages and financial rescue plans approved and in the pipeline will be implemented and it is expected that national dept will continue to increase as the USA still need to support companies and AARP home owners and it is perhaps this matter which is holding back a recover on the stock market.

David Ogden -Tomorrows Home Business
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AARP Finance

2008-11-06T08:19:00.001+08:00

The problem now for the likes of AARP members is that that a town house in the 70's cost around $20,000 but is now valued at at $ 2 million and there is now way wages could have ever kept up.

All right now recommended borrowing for AARP members is between 25%-30% of the gross monthly household income says Lawrence Yun, chief economist for the National Association of Realtors in Washington. But some AARP members have taken out low cost start up finance which escalates over time and so are now needing to set aside 40-50 percent of their gross monthly income to cover housing costs.

AARP members are not alone around the world house prices increase faster than wages and many countries such as the UK have seen property prices crash leaving negative equity situations. Maybe speculators who drove the markets up will suffer losses but many other innocent AARP members will also suffer as well.

David Ogden -Tomorrows Home Business
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AARP

2008-11-05T08:20:00.001+08:00

AARP Finance - It seems that if Obama and Democratic Congress win , all AARP middle and upper middle class retirement plans would be at risk, not just the "rich".

A 28% Gains tax on profit from ALL home sales.

How does this affect AARP members ? If you sell your home and make a profit, you will pay 28% of your gain on taxes. If you are heading toward retirement and would like to down-size your home or move into a retirement community, 28% of the money you make from your home will go to taxes. This proposal will adversely affect AARP members who are counting on the income from their homes as part of their retirement income.

DIVIDEND TAX

Increase from 15% to 39.6% How will this affect you as a member of AARP. If you have any money invested in stock market, IRA, mutual funds, college funds, life insurance, retirement accounts, or anything that pays or reinvests dividends, you will now be paying nearly 40% of the money earned on taxes when Obama become president. The experts predict that 'higher tax rates on dividends and capital gains would cause the stock market to fall again and delay long term recovery.

Increased tax rate for home sales - would be detrimental for those AARP members downsizing and planning to use proceeds for retirement and other purposes.

Energy use and consumption taxes such as for homes over 2400 square feet and on all fuel. Well intentioned, but definitely would fall heaviest on those less able to decrease their energy usage through higher efficiency appliance purchase or AARP members having less disposable income.

David Ogden -Tomorrows Home Business
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AARP Finance

2008-11-04T07:30:00.001+08:00

AARP Finance - Now is the time to start buying stocks according to experts.

"If you buy now and wake up in 10 years, you'll probably get a return around the historic average," said Yale economist Robert Shiller. In the near term, however, Shiller - who correctly predicted the implosion of the stock-market and real-estate bubbles - is more cautious. "There is a substantial risk that with all this economic turmoil, stocks will fall far lower," he warned.

The key information for AARP members is to look long term. Many stocks have good Price over Earnings ratios or earnings yield of 15.7 which is good for a long term profitable return.

Research by economist and hedge fund manager Cliff Asness shows that buying in at a P/E usually leads to poor returns, while grabbing stocks at a low P/E - less than 16 is a reliable route to riches.

Members of AARP will find that they will get around a 9% return when adjusted for inflation, which is better that the last 10 years average, however to get this level of return you will also need a dividend yield of 4.5%.

An alternative way of earning a good return is for AARP members to set up a home based business using a model/plan developed by Economist Dr Raymond Jewel at Tomorrows home business who holds weekly online presentations at http://www.tomorrowshomebusiness.com/Conference_Room.html

David Ogden -Tomorrows Home Business
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AARP Health

2008-11-03T08:32:00.001+08:00

AARP Health offers information on many diverse health subjects such as the following advice on screening tests: What You Need and When.

Health experts from the U.S. Preventive Services Task Force have made these recommendations, based on scientific evidence, about which screening tests you need and when to get them.

Abdominal Aortic Aneurysm. If you are between the ages of 65 and 75 and have ever been a smoker, talk with your doctor about being screened.

Colorectal Cancer. Have a test for colorectal cancer. Your doctor can help you decide which test is right for you.

Depression. Your emotional health is as important as your physical health. If you have felt "down," sad, or hopeless over the last 2 weeks or have felt little interest or pleasure in doing things, you may be depressed. Talk to your doctor about being screened for depression.

Diabetes. Have a blood test for diabetes if you have high blood pressure.

High Blood Pressure. Have your blood pressure checked at least every 2 years.High blood pressure is 140/90 or higher.

High Cholesterol. Have your cholesterol checked regularly.

HIV. Talk with your doctor about HIV screening if any of these apply:

You have had sex with men since 1975.
You have had unprotected sex with multiple partners.
You have used or now use injection drugs.
You exchange sex for money or drugs or have sex partners who do.
You have past or present sex partners who are HIV-infected, are bisexual, or use injection drugs.
You are being treated for sexually transmitted diseases.
You had a blood transfusion between 1978 and 1985

Obesity. Have your body mass index (BMI) calculated to screen for obesity. (BMI is a measure of body fat based on height and weight.) You can find your own BMI with the BMI calculator from the National Heart, Lung, and Blood Institute at: http://www.nhlbisupport.com/bmi/.

Sexually Transmitted Infections. Talk to your doctor about being tested for sexually transmitted infections.

A Note on Other Conditions. Every body is different. Always feel free to ask your doctor about being checked for any condition, not just the ones above. If you are worried about diseases such as glaucoma, prostate cancer, or skin cancer, for example, ask your doctor. And always tell your doctor about any changes in your health, including your vision and hearing.

AARP health provides free information and resources to help resolve problems for its members

David Ogden -Tomorrows Home Business
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AARP Financial

2008-11-02T09:11:00.001+08:00

AARP - Financial: OPEC is unwilling to help out IMF

OPEC Secretary-General Abdullah El-Badri said it was "surprising" that the cartel's member countries were being asked to step in.

"This crisis created in the (United) States must be solved within the States," he told the same gathering, in contrast to Brown's repeated statements that the current financial turmoil was a global problem that required global solutions.

Gordon Brown the UK Prime Minister is visiting the Middle East seeking support despite earlier blasting OPEC for reducing oil output to maintain a high oil prices.

China is another country which could come to the aid of the IMF but this could prove a costly move as are likely to insist on a greater share of political power.

Debt is a major problem for AARP members some of whom hope that recent request by lenders to be allowed to reduce outstanding credit card dept by up to 40% on a case to case basis may help to improve customers financial situations will be agreed. They may have to wait until after the election.

David Ogden -Lose Weight USA
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AARP

2008-11-01T09:17:00.000+08:00

AARP Financial - The roller coaster week that has seen Oil prices fall by $2 a barrel has ended. For the fist time in two years USA oil consumption has dropped as belts are tightened to ward off economic decline. Hopefully for AARP members winter fuel cost will also be reduced.

Japan joined the growing number of countries forced to step in and and support their economy with a $243 billion aid package which includes fixed sum benefits of $600 for a family of four.

Major countries around the world are cutting interest rates to kick start a recovery, but this could have mixed results for AARP members as saving rates will also move downwards. There is growing concern as to how all these aid packages are going to be funded at the end of the day governments will be forced to balance the books which is likely to mean an increase in taxes.

One piece of good news for AARP members is the 5.8% increase in social security benefits that will be paid next year, one of the highest increase on record due to inflation during the current year.The average monthly payment for retirees is $1,090. In January it will rise to $1,153.

David Ogden -Tomorrows Home Business
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AARP

2008-10-31T12:09:00.001+08:00

AARP Finance - AARP chief executive officer Mr Novelli has recently written to Secretary of the Treasury to demand that mandatory withdrawals from 401(k)retirement plans for people over 70 be cancelled due to the current financial crisis.

Currently AARP members over 70 are forced to withdraw a minimum amount each year (by 31st DEC) from their retirements plans based on the value of the plan at the end of the previous year. Failure to withdraw the minimum amount incurs a 50% tax charge. Due to the stock market upheaval some fund may have lost up to 40% of their value and and is not the time to be forced to cash in hard won savings.

Some AARP members financial difficulties could on the other hand be helped also if the 20% early with withdrawal funds from 401(k) plans was temporarily withdrawn, which would release much needed cash.

Withdrawing money from retirement funds is not to be taken lightly as is reduces expected income in retirement and at the moment most funds are at rock bottom they will take some time time perhaps years to reach their previous highs.

One alternative for AARP members to putting money into a retirement plan is to invest it in a successful joint venture such as promoted by Tomorrows Home Business which over a period of ten years can provide a 15% returns way above the interest earnt by placing money on deposit The secret of creating money is to make best use of investments which compound results.

Ogden -Tomorrows Home Business
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AARP

2008-10-30T08:39:00.001+08:00

AARP Financial news today is is generally good, with markets around the World generally moving upwards as the USA lowered it base rate to 1%, it lowest ever. AARP members and others who have loans or finances will hopefully see up to 0.5% reduction.

Consumers in Iceland have recently seen interest rates rise to 18% a jump of 6% following the $2 Billion loan form the IMF.

Hungary yesterday was also bailed out by the IMF to the turn of $28 Billion and the news prompted a rise in both their currency and stock market.

AARP members should be aware that the costs of any rescue package has to be paid by someone, as Icelanders now know its going to be a long hard winter.

House holders in the UK are still struggling with some 70% of owners having to face the fact that the continued fall in house prices resulting in their loans exceeding the value of their houses. Perhaps and interest rate cut her might help, but at the moment no institutions are lending money.

The main question on the lips of members of AARP is have the markets reached rock bottom. Stock and shares are at bargain basement level compared to the past twenty years. Multi-Millionaires like Warren Buffet are prepared to take the risk but who is prepared to follow them?

David Ogden -Tomorrows Home Business
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AARP

2008-10-29T07:59:00.001+08:00

UK Pension funds have lost 33% of their value, or £187 Billion during the last 12 months, due to falling stocks and shares.

The bad news illustrates to members of AARP the likely effect on their own 401(K) retirement plans.

Now is certainly not the time to retire unless AARP members are lucky enough to work for a company that provides some kind of final Salary pension as is offered by some companies in the UK.

Yes the DOW rose 900 points yesterday and this might be a sign that the worst is over, however there is a long way to to. Hopefully stock markets around the world will also provide a positive response bouncing back from record 5 year lows in the USA and UK.

AARP members have been following the frightning ups and downs of the stock and might be wary of investing in the future, but what choices are there?

1. Put it under the bed and it will lose value due to inflation

2. Place it on deposit at a low rate of interest

3. Or invest in your business

Smart AARP members are investing in their business because reinvesting income back into a business will grow the business and produce better results.

Now is probable the best time to buy into a business, but only a few AARP members have sufficient funds to purchase a business outright. So what about the rest.

Starting a business from scratch might not appear to be the right option either due to business set up costs, buying stock, marketing etc, however there is another solution.

Tomorrows Home Business, has a proven business plan and model which produces results, because it is partnered with a health and wellness company who take care of all the marketing, selling and delivery of products. Leaving the AAARP member the opportunity to buy its existing customers and earn commissions.

David Ogden -Tomorrows Home Business
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AARP Health

2008-10-28T09:04:00.001+08:00

Many AARP members wonder if their "senior moments" might be signs of Alzheimer's. Dr. Murali Doraiswamy of Duke University has written a new book, "The Alzheimer's Action Plan: The Experts' Guide to the Best Diagnosis and Treatment for Memory Problems,"

Doraiswamy describes screening tests, how to differentiate Alzheimer's from other types of dementia, and how to tell normal forgetting from problematic forgetting. He also reviews the latest prescriptions for slowing memory loss in Alzheimer's patients.

Most important, he emphasizes, is for AARP members to detect the disease early, before major damage sets in. Early warning signs to watch for include:

The memory loss is getting progressively worse.
Friends and family are urging you to get a checkup.
You can't remember what you forgot. Whole pieces of your past experiences are missing, and your memory can't be jogged.

It has been proved that sublingual B-12 can improve memory retention and can reduce the risk from the disease. If AARP members actively aim to protect their memory retention by attending memory clinics and taking extra vitamin B-12, they will enjoy a better lifestyle in their senior years.

Research is ongoing to the find genes which cause and might prevent Alzheimer's but at the moment there is no cure.

David Ogden -Tomorrows Home Business
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AARP

2008-10-27T20:40:00.001+08:00

AARP Finance - The Week has started the way the previous week finished with stock markets around the world continuing to fall. Recession is a reality but how should one deal with the consequences.

The first thing AARP members need to do is not to fall into the trap of taking on further loans. Stop using credit cards wherever possible unless you can pay them it in full.

AARP members need to reduce all unnecessary spending.

Normally when stocks reach rock bottom its is time for AARP members to commit more money to 401(k) plans in the hope that stock will rise and increase the value of their savings, the problem is twofold, knowing when to buy and guessing how quickly stocks will rise.

A more conservative plan might be to buy into an existing successful business but few people have the funds to do this, so an alternative might be to start a business in partnership with Tomorrows Home Business who have a business model which shows a rate of return which exceeds most returns on stock investments and is inflation proof. Full details are available by contacting us.

David Ogden -Tomorrows Home Business
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AARP Financial

2008-10-26T10:03:00.001+08:00

AARP Financial has responded to public concern with Mutual funds with the following statement:-

AARP Financial recognizes that recent events in the financial markets are causing concern among investors. For those invested in money market funds, you may also be questioning the safety of your investment. We want to reassure you that your investment in the AARP Money Market Fund remains a conservative, low-risk investment and that you have quick access to these assets if and when you need them. In addition, I am pleased to report that the AARP Money Market Fund is now enrolled and currently participating in the Treasury Guarantee Program.

Richard M. Hisey President, AARP Financial Incorporated

Well that way the good news, the bad news for AARP investors is that since June the values have fallen as the financial markets have been brought to thier knees. you money is safe but not worth as much.

AARP members need to take action and look for ways to diversify their future income streams, like members of Tomorrows Home Business.

David Ogden -Tomorrows Home Business
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AARP

2008-10-25T07:05:00.001+08:00

AARP counterparts in the UK have been given some good news regarding state pensions.

Thousands of women who took time off to look after children will be able to boost their state pensions under a top-up scheme announced by the Government.

Work and Pensions Secretary James Purnell is proposing an amendment to the Pension Bill enabling people to buy up to an extra six years of National Insurance contributions.

Each extra year of National Insurance contributions adds around £160 a year to the state pension that people are entitled to. But the UK Government is increasing the cost of buying extra years from its current level of £420 per year to ensure the move will not cost it anything, although it has not yet said what the increase will be.

The UK Government estimates that around 550,000 people will be eligible to buy up the extra years, but in reality it expects only around 20% of these to take advantage of the scheme.

Mr Purnell said: "By 2010 around 75% of women reaching state pension age will be entitled to a full basic state pension, rising to over 90% by 2025, compared to around 35% today. However, we are mindful of the potential disadvantages faced by those who do not have a full work history, mostly women and those with caring responsibilities."

It will be interesting to see if if the USA Government will offer AARP members any ways to increase their pensions during these difficult times, or will they have to continue to take matters into thier own hands by producing residule income to live on from home businesses such at Tommorow's Home Business.

David Ogden -Tomorrows Home Business
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AARP

2008-10-24T09:47:00.001+08:00

I was looking at the AARP site today, which claims to be the largest online magazine in the world, its packed with information. The section that caught my eye way the financial calculators.

The AARP calculators includes one to work out when you will be a millionaire, so I tried out my theory of investing $1 per day and sure enough it works, if at 15 I had saved just $1 a day I would have been a millionaire by the age of 60, based on a rate of return of 15%. The problem however is that inflation will eat into the numbers and reduce your savings by half. The common factor in all the AARP calculators is the exponential growth, for example if you continue contributing for a further 5 years you will more than double your money!

AARP members and millions of others around the world are suffering during the financial crisis, but there is a way out.

You need to find a business which will provide you with a 15% return and invest just $1,000 and in 50 years you will be a Millionaire.

Now I have found a business that will give me the return that I need and is inflation proof, its called Tomorrows's Home Business and its unlike any home business you have ever seen, you are invited to attend our live presentation every Thursday evening at 6PM EST just go to http://tomorrowshomebusiness.butchhamilton.com/ and follow the instructions or else contact us.

David Ogden -Tomorrows Home Business
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AARP

2008-10-23T14:42:00.001+08:00

AARP report that stocks and shares around the world continue to fall during early trading in Asia. Pakistan and the Philippines are both looking towards the IMF to help bail them out. Corporate organisations are already re-forecasting their yearly forecasts.

It seems there that it is going to be a long time before matters are going to improve, with Thanksgiving and Christmas fast approaching it seems there will be little to cheer about.

Companies world wide are tightening their belts and it will not be surprising if they start laying of older workers which will concern AARP members, because if they are forced to retire early it is a very bad time to purchase annuities.

AARP members have already voiced their concerns with candidates in the upcoming USA elections, but it will be sometime before any changes will filter through the system. The problem is that support for banks has to be paid by someone and its usually puts pressure on other taxes.

The only clear way for an AARP to get out of financial difficulty rests with them taking matters in their own hands and to build a business for themselves, but this is no quick fix option it will probable need five years or more of work to build a worthwhile income.

Ogden -Tomorrows Home Business
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AARP Insurance

2008-10-22T09:20:00.001+08:00

Generally speaking AARP insurance plans are good to long term investments and provide a better rate of returns than that of banks. Your money is usually safer as it is usually spread across a portfolio of stocks. If you were to study AARP insurance plans the underlying investment will provide a return after 10 years.

The problem facing AARP Insurance members at the moment is that the market is weak, so it is not the time to cash in policies unless you are forced to. How long it will take for the market to recover is difficult to predict, but again you need to think long term 5 years or more.

The worldwide monetary crisis has resulted from people spending more than they can afford to repay by taking on credit and loans and this is a lesson for everyone including AARP Insurance holders. It is vitally important to start saving for your future as early as possible.

Investing in AARP Insurance products is one way however if you are still concerned about the vagaries of stock and shares, There are other ways of producing residual to satisfy your future needs such as starting your own business, bearing in mind the high failure rate of new businesses, I would recommend you consider the way Tomorrows Home Business group offers a way to financial freedom which cannot fail and is inflation proof..

Just contact one of us to learn more and come to one of our weekly online presentations.

David Ogden -Tomorrow's Home Business
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AARP

2008-10-20T11:17:00.001+08:00

AARP members like many other retired people from around the world are worrying about what they need to do as the world slips towards recession. Yes stock and shares held by AARP will take some years to recover and perhaps some AARP members who have 401(K) retirement plans may be looking for other methods that will provide future money.

Tomorrows Home Business group has found found a unique solution by teaming up with a health and wellness Company. Health and wellness is a multi billion dollar industry and even during recession people wish to be healthily. Many AARP members already take vitamin and mineral supplements in order to support a healthy lifestyle.

The Company tomorrows's Home business is partnered with ,is dept free and operating for ten years. The business opportunity is unique and far removed from get rich quick scams and MLM companies where members have to market and sell products.

AARP members will be surprised to learn about this no risk business plan which requires no marketing in order to build a residue income. AARP members are invited to attend a free weekly presentation which explains how long term residual income can be produced at low cost, by contacting us.

Ogden -Tomorrows Home Business
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Pirates of Borneo Capture Captain and Crew of USS Provident

2008-10-19T11:49:00.003+08:00

The Pirates of Borneo capture the Captain and Crew of the USS Provident, yesterday on Kota Kinabalu Waterfront. It was a somewhat unique experience which took place at the pirates bar as the crew of the first Australian submarine to visit Kota Kinabalu were also being entertained by the Pirates of Borneo.

The two bands of sailors were soon sharing ideas of the similarities and differences between the two boats.

It was fitting that the meeting took place at the pirates bar as the skull and crossbones also know by its name Jolly Roger, is traditionally flown by submarines when returning to port following a successful mission.

Plans were also hatched to hold a friendly game of soccer between the crew next week and also a possible friendly beach Rugby Match.

AARP

2008-10-19T08:17:00.001+08:00

Why are so many AARP members in financial trouble, is it because they live for today and think the future will look after itself, rather than planning for the future.

How Many AARP members have 401 plans but have failed to ensure they have a good balance of stock. Yes these plans have lost a lot of value recently and it may take them five years or more to recover to the same level as they were, due to the financial meltdown caused by many people borrowing more than they could afford to repay, which started the banking crisis as banks mismanaged loans.

If you are an AARP member who plans to retire in the next 10 years is is essential that you take some action now if you wish to be able to retire in comfort.

I recently contacted Tomorrows Home Business and discovered a way of sharing in the success of a health and wellness company. Like any good business you need to reinvest your earning back into the business for around 10 years and can then end up with a monthly income to live on in retirement.

The plan for AARP members does not involve in investing in stock market like a 401 plan, but is based on earning revenue from existing customers, who are the lifeblood of any business. You are virtually guaranteed to make money.

No special skills are required to operate the business, no marketing or selling to others, the company you partner with handle all that. for more details just contact us

David Ogden -Tomorrows Home Business
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AARP Insurance

2008-10-17T06:49:00.001+08:00

AARP Insurance offer a special rates for AARP members and their families. You can enjoy special AARP Insurance rates even if you are not retired, provided you are over 50. In addition to AARP Insurance benefits you can make use of special travel offers and other information which is of focussed on elderly People.

AARP is similar in its offer to SAGA in the UK which also offers Insurance, travel, health and money advice. The major difference between the two however is that AARP has a political lobby.

The Daily news around the world is mostly about the roller coaster ride of stocks and shares as they move generally downwards towards recession and AARP and SAGA members are looking at their various insurance policies to see for two reasons, first to see if they meet their needs and secondly to see if they can still afford them.

AARP Insurance Lifetime income plans are quite costly as you need to invest a minimum of $5,000, which is a lot for many AARP members. So is there an alternative way of building an income source?

I have found an opportunity which should be of interest to AARP Insurance members, its is run by a group called Tomorrows Home Business who work together as a co-operative marketing group and earn money from purchasing existing customers from a health and wellness company in the USA. Now health and wellness is an important area for AARP and SAGA members, so you can kill two birds with one stone here and improve your financial situation and your health at the same time.

For More details contact us - click on Contact Us link

David Ogden -Tomorrow's Home Business
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AARP

2008-10-16T08:13:00.001+08:00

The USA and UK are close to a recession and France, Ireland, Holland together with Singapore are already in recession, so what does this mean to AARP members. Officially a country is in recession following two quarters of bad figures so the New year does not bode well.

The UK is expecting house prices to fall a further 15% throwing more people into negative equity. The 2012 Olympics and many other sporting events will be effected as sponsors feel the pinch.

Pensioners such as AARP and their counterparts from around the world will find that their pensions are smaller than expected as their funds are affected by stock market falls.

A recent survey by USWitch shows that 42% of people have cancelled insurance policies or pension contributions to save money, If you have done this how are you going to survive in the future.

The falls in the stock market have driven shares down to a level where they were about five years ago, so stocks may take a further five years to bring their saving back to the levels of a couple of months ago.

What AARP members need to do is to find an alternative way of building savings without relying on the stock market such as a plan produced by Tomorrows Home Business, to find out more fee free to contact us.

David Ogden -Tomorrow's Home Business
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AARP

2008-10-15T08:23:00.001+08:00

Some people mad a bit of money from the Market bounce but the future is still bleak for AARP mortgage owners. House prices are in a world of their own and now everyone one is suffering and its not only in the USA and Europe it is a world wide problem. Builders still build but who can honestly afford to buy. The number AARP members who are still paying off mortgages in retirement is still rising and they struggle to make ends meet. Often the they have taken loans on the equity in their house.

A study released in September by the Centre for Retirement Research (CRR) at Boston College found that about 30 percent of homeowners ages 50 to 62 have cashed in on the equity in their homes, and they will likely remain saddled with mortgage debt and face a decline in net worth as they hit retirement

The reasons AARP members might need to refinance can be the result of layoffs or simply bad planning. The rule of thumb used to be to ensure all mortgages or loans were paid back before retirement, but as people seek to raise their living standards they started to live beyond their means, but the trouble is there is no safety net and now a few AARP members are in a situation that their loans exceed the equity in their house due to the slump in the property market.

Younger AARP members still have the time to put money aside for their retirement and one way to do this is to join a group called Tomorrow's Home Business who can show you how you can become a partner in a business which will help build funds to cover your retirement costs.

For more details please click on Contact Us below:-

David Ogden -Tomorrow's Home Business
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AARP Insurance

2008-10-14T13:43:00.001+08:00

AARP Insurance Annuity plans are in the news at the moment as people take try to make sense of the stock market and how they will be affected the question is Are annuities for you?

I think this is a good time for people who own an annuity - or are considering buying one - to ask themselves whether they really ought to be in an annuity at all. some people recommend a particular type of annuity - an immediate annuity - as a way to convert a portion of your savings to a lifetime income once you've retired.

But immediate annuities represent a very small portion of annuity sales. Most of the annuities that are sold fall into two categories: fixed deferred annuities, which are sold to older investors such as AARP insurance members , most of whom I think would likely be better off in bank CDs and bonds; and variable annuities, which are touted as mutual funds that can shelter their gains from taxes and often sold (usually inappropriately in my opinion) as investments for IRAs and 401(k) rollover money to people who are still years away from retirement.

If nothing else, I hope the attention that insurers and annuities are getting will lead AARP Insurance members to re-assess (ideally with the help of a financial adviser who doesn't depend primarily on annuity sales for his or her livelihood) whether they really belong in annuities.

David Ogden -Tomorrows Home Business
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AARP Question

2008-10-14T08:36:00.001+08:00

Here is a typical AARP members question "I retired five years ago, but with the economy and inflation as they are, I need to go back to work. Where do I start?"

You need to think about what you want to do and to be honest restarting a conventional job is not for everyone, after five years your attitude to work will have changed and you will find it hard to come out of retirement mode.

Yes AARP can help you find employment via their site and its partly why AARP was set up. How Long and how much work do you want to do. Some people decide they would like to work from home which saves the cost of travel etc which can eat into your earnings.

As an AARP member you might be interested in starting your own business, but as you say funds are short. If you can afford to put up say $1,000 it is possible to create an reasonable income from it in about 10 years. This will not provide immediate help but is much better that the get rich quick scams that AARP member unwittingly fall for.

As a retired person myself, I actually enjoy watching my money grow month on month especially during these difficult times, I work from home at hours that suit me.

David Ogden -Tomorrows Home Business
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AARP Insurance

2008-10-13T13:22:00.001+08:00

AARP Insurance plans can provide you with monthly income, depending on a lump sum investment of at Least $5000, however once set up they cannot be changes, now in this time of financial crises which is sweeping around the world, it would only be a brave man who would put aside $5000 now with an uncertain future. as interest rates are still being cut in the USA and elsewhere to help ease credit restriction.

Some AARP Insurance members may have sufficient funds already invested, but what about the AARP Insurance members who are already struggling to make ends meet, what can be done to help them.

There is no quick cure to the financial meltdown and there are expected to be further failures in the financial services market, so its a case of AARP Insurance members beware. During times of recession people look at many different opportunities to create additional income and one area which is working well is Tomorrows Home Business, because its is a business built around existing customers of a health and wellness Company based in the USA and Canada. The Business has had steady growth during the last 10 years and should be unaffected by the current financial market as people such as AARP Insurance members regard health supplements as part of their staple diet.

David Ogden -Tomorrows Home Business
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AARP

2008-10-12T09:07:00.001+08:00

AARP member may be interest in a recent survey about baby Boomers in the UK who demonstrate a changing attitude towards inheritance, with surveys suggesting they are more likely to want to use their wealth to enjoy life than to worry about leaving a bequest.

The current world financial situation may lead to AARP members being forced into the same situation as they plunder there savings to save their present lifestyle.

AARP member may also be interested to lean that for their cousins in the UK - Housing has played a big part in boomers' lives. The proportion of owner-occupiers rose from around one in four in 1950 to two-thirds by the mid-1980s. Today, 33 per cent of boomers own their homes outright and 52 per cent have mortgages, while 15 per cent have second homes. Home improvements, shows the research, form a significant part of boomer lifestyles. So does increasing the value of homes, especially in terms of using housing to fund life during retirement.

Now if these figure hold true for AARP members some 67% will still have mortgages and these people are the hardest hit during any recession and in fact it is loans in general and the mis-management of dept in general by bank and finance companies that has started the roller coaster ride towards recession.

Is there a way out for ordinary AARP members? Well as a retired person myself I have started a new ten year plan to build another income stream with Tomorrows Home Business in order to create another income stream to protect my own Lifestyle as relying on Government handouts is not an option.

David Ogden -Tomorrows Home Business
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AARP Insurance

2008-10-11T12:52:00.001+08:00

AARP Insuranceplans can provide you with monthly income, depending on a lump sum investment of at Least $5000, however once set up they cannot be changes, now in this time of financial crises which is sweeping around the world, it would only be a brave man who would put aside $5000 now with an uncertain future. as interest rates are still being cut in the USA and elsewhere to help ease credit restriction.

Some AARP Insurance members may have sufficient funds already invested, but what about the AARP Insurance members who are already struggling to make ends meet, what can be done to help them.

There is no quick cure to the financial meltdown and there are expected to be further failures in the financial services market, so its a case of AARP Insurance members beware. During times of recession people look at many different opportunities to create addtional income and one area which is working well is Tomorrows Home Business, because its is a business built around existing customers of a health and wellness Company based in the USA and Canada. The Business has had steady growth during the last 10 years and should be unaffected by the current financial market as people such as AARP Insurance members regard health supplements as part of their staple diet.

David Ogden -Tomorrows Home Business
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AARP

2008-10-11T08:31:00.001+08:00

Stocks continue to fall around the World and AARP members are in for a tough ride and are worried to see how savings are dwindling with interest rate cuts.

Jonathan Scheid, chief investment officer for Bellatore LLC in San Jose, Calif.,is giving this advice to AARP members - Investors who have more money in the bank than the FDIC guarantees should spread their cash around in different institutions to get the full FDIC guarantee. Even so, he says, bank yields are too low for people nearing retirement to store the bulk of their funds in bank accounts.

The stock markets will recover in the long term in the meantime AARP Members should be looking to control their future rather than rely on the Government to resolve the situation on their behalf.

The Health and Wellness industry is one area which will weather the storm(vanity always wins). Some Members of AARP and other retirees from around the world are already seeing good returns from following a model promoted by Tomorrows Home Business group which is leading the way to help people help themselves and provide hope for the future.

David Ogden -Tomorrows Home Business
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AARP

2008-10-10T07:16:00.001+08:00

A Recent AARP Survey found that middle aged workers in the USA were not making enough effort to make savings for their retirement, using excuses such as the cost of their childrens' education.

The earlier you start retirement planning the less it will cost you and the larger your nest egg will grow. The AARP survey also found that its members were planning on working longer in order to make up shortfalls due to the current economic situation. The deteriorating economy will make it harder for people to save more but they need to make the effort now or face a crisis in the future.

Many AARP members take up part time jobs both to keep themselves active and also bring in extra income. Some go as far as setting up a home based business, such as Tomorrows Home Business, which has a ten year plan to create wealth and is affordable to middle aged people and AARP members.

So what can Tomorrow's Home Business offer AARP members. An easy method to build a secure income over a medium to long term period with minimum commitment of time and money. No special skills required apart from being able to use a computer.

It does not matter if you are a member of AARP or not if you want to know how Tomorow Home Business can help you request more information by clicking here and filling in a form.

David Ogden -Tomorrows Home Business
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AARP - Stocks Fall

2008-10-09T13:42:00.001+08:00

Stock Markets continue to fall around the world despite US and European Bank rate cuts and there is further concerning the US regarding Insurance Companies. According to MSN News - Concern continues to grow about the health of financial companies. A quietly growing issue is the health of insurance companies after the collapse of American International Group (AIG, news, msgs). Shares of MetLife (MET, news, msgs) fell 26.8% to $27 after cutting third-quarter earnings guidance to 83 to 93 cents a share. Analysts had been expecting $1.44 a share. MetLife will also shrink its workforce and sell new common shares to bolster its capital amid rising investment losses. "I think we're as well positioned as anyone in our industry for these times," Steve Kandarian, MetLife's chief investment officer, said on a conference call, "but we are not immune, nor is any other of our peers." So what does this all mean to members of AARP, well they need to look at their options and not panic, cash is relatively safe in the bank but it would be better to get it working for you. Enhancing your future income by working now is a viable option. Many AARP members have set up home business in order to make ends meet.

One successful home business stands head and shoulders above the rest and is of interest to many AARP members because it is base on health and wellness and many AARP members are already taking supplements on a daily basis. TriVita was one of the first companies to direct sell Sublingual B-12 vitamins some ten years ago. B-12 improves ones memory and can certainly improve the lifestyle of AARP members,

Recently a group of entrepreneurs formed Tomorrows Home Business as a kind of partnership with TriVita and set in motion a plan to promote the purchase of TriVita customers. The results have been fantastic with around 8,000 being owned by Tomorrows Home Business Group. Every time a customers purchase from TriVita The members earn commissions. AARP members are advised to to look at this opportunity as a way of improving their lifestyle without risk of losing money.

Click Here to request more details of Tomorrow's Home Business

David Ogden -Tomorrows Home Business
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AARP Insurance

2008-10-09T09:03:00.001+08:00

AARP Insurance - Lifetime income plan was designed specifically to provide fixed immediate annuities that help AARP insurance members protect themselves against the risk of outliving their savings. The AARP Insurance group annuity plans let AARP members turn part of their retirement savings into monthly income payments that will be locked in and guaranteed for life. The AARP Insurance Program offers single life and joint life annuity plans and come with important features not offered by every annuity plan … if you pass away prematurely, your beneficiary will receive any remaining payments that were guaranteed.

AARP Insurance members age 50 to 89 can purchase an annuity in any amount of $5,000 or more. You can be confident that your annuity income payments are guaranteed. With this Program, your income is backed by the financial strength of New York Life Insurance and Annuity Corporation, part of the New York Life family of companies. And, this is the only annuity Program endorsed by AARP Insurance.

AARP Insurance programs are not the sole way to obtain monthly income in retirement a group of Entrepreneurs (Tomorrow's Home Business) have combined with TriVita, a health and wellness supplier to use a plan which will produce a substantial monthly return after 10 years for a one off payment of $1,000, which will greatly enhance your lifestyle.

More Information is available in our live conference room on Thursdays 6PM PST (Click Here To enter Room and use password "success") or else contact one of our members.

David Ogden -Tomorrows Home Business
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AARP

2008-10-08T09:52:00.001+08:00

If you Are a member of the American Association of Retired People (AARP) the current financial upheaval is certainly cause for concern. Not only only are your AARP investments falling in value, but also you may lose your hard earned saving that are help on deposit. To make matters worse your Government is going to make you the taxpayer pay for the recent bank failures.

The AARP is a very large lobbying group of baby boomers and as such actions you take can have a powerful effect on your future.

AARP members have a multitude of backgrounds, some are wealthy and retired early and some continue to work in retirement to supplement their income, others less fortunate are unable to find work due to disablement and struggle to survive on Government handouts.

What can AARP members do during these difficult times? One thing is certain they need to take back control of their future.

One way to do this is to look at a group of people, many of whom are already retired, like myself, are doing to create future wealth from committing as little as $1,000 in order to build a secure income for the later years of their life.

Image how you will feel in ten years time to have an extra $5000 a month in your pocket, to help towards medical bills, holidays or pass on to your family members.

We are called tomorrows home business, and AARP members will find we have a unique business plan which can benefit them. to find out more you are invited to attend a Presentation at http://www.tomorrowshomebusiness.com/Conference_Room.html on Thursdays at 6PM PST using the password "success" or else contact us for more information.

David Ogden -Tomorrows Home Business
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The death Of Belief

2008-10-07T08:12:00.001+08:00

The death of belief

In the last six weeks alone Bradford & Bingley, HBOS, Lehman Bros, Wachovia, Washington Mutual, Dexia, Fortis, Merrill Lynch, Morgan Stanley and the entire banking system of Iceland have either expired or been taken over, either by rivals or by the state.

After a lifetime of trust in familiar high street banking names, ordinary depositors no longer believe their money is safe.

The rich are looking for safe havens in Germany and Ireland where even the largest accounts are explicitly guaranteed by government. The biggest problem is one of example, because banks themselves believe least of all. They are only willing to trust their cash to their central banks instead of helping each other out for day-to-day cash as they used to.

what does this mean for the small saver, well you need to get your money working for you, now stocks and shares in the USA and UK are at their lowest levels for 4 years, but perhaps now is not the time to buy.

what you are looking for is something to protest you from inflation, well perhaps I have the answer from an unusual source. how do businesses make money? Generally speaking they rely on customers. Well I can show you a business where you can own customers and get lifetime commissions on their sales. why not check it out by coming to our meeting room at Tomorrows Home Business on Thursdays 6PM PST using the password success.

Tomorrows Home Business does not require you to market or sell anything unless you wish to. You can just buy customers to earn money. We have over 8,000 customers at the moment.

David Ogden -Tomorrows Home Business
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Promoting Your Home Based Business

2008-10-06T08:15:00.001+08:00

Promoting your home based business seems to get harder every day and is a reason for home based business failure. No Matter how you promote it is a time consuming effort.

Yes, there are tools around to help your home based business such as auto responders, I bet you have one, but do you think people read your messages. Lets put it another way do you read all you mail, No of course not, that why you have an auto responder for your home based business.

Lets face it mailing does not work, so what else can we try, FFA's and online adverts for home based business are the same few people ever read them.

How about telephone calling, well you can have some success here, once you have waded through contact numbers that are false or have been disconnect, but you need to be hard skinned to listen to abuse from someone whose phone has been ringing every half hour with offer to join this or that home based business.

Promoting or marketing a home based business is very hard, so why not leave it to the experts, like the members of Tomorrows Home Business. Instead of following up leads they purchase actual existing customers and earn lifetime commissions on all purchases.

No Marketing or selling is ever required, in fact it is possible to earn a substantial income just by purchasing customers. For more details of a home based business that works click on Contact Us button to arrange a suitable interview time.

David Ogden -Tomorrows Home Business
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Avoid Free Home Business Opportunities

2008-10-05T09:28:00.001+08:00

Why you need to avoid Free Home Business Opportunities

Free is very popular on Google with millions of results but if you narrow down your search to the phrase Free home Business there are less than 1000 results and some of these are offering newsletters, tools or free information, so this means there are very few free home business opportunities.

I belive that this is true, because many of these so called free home business opportunites contain a catch where you need to pay money, how many times have you seen join for free in an advert, this is used as a come on to collect your details and perhaps give you a taster of how a home business will make you rich.

Many people get suckered in to a free home business only to find that in order to earn money they need to spend money. I do not know of any home business where you will not have to spend money, if there is one please contact me.

All home business need four elements, time, work, money and customers in order to create wealth. Many home business failures are not caused by the lack of time, effort or money but due to lack of customers.

Customers are the key to success, if you have no customers you have no business. We can show you a fool proof method to create wealth by buying customers, all you have to do is to contact us for free - but it's not a free home business!

David Ogden -Tomorrows Home Business
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Control your Finances

2008-10-04T07:50:00.001+08:00

Chancellor Alistair Darling has again pledged to do "whatever it takes" to protect bank deposits as Gordon Brown announced plans for a new National Economic Council to co-ordinate the Government's response to the global economic crisis.

At a joint Downing Street press conference with Mr Brown, the Chancellor said savers should be reassured by the Bank of England's promise to make sure that banks had the funds they needed.

At the same time, the Financial Services Authority said it was extending the guarantee to depositors in British banks from £35,000 to £50,000.

This comes a few days after the Taxpayer bailed out UK Bank Bradford and Bingley. Banks in the UK like those in the USA are under threat.

The time has come come to take control of your finances and wealth to secure your families future. If you need a way to protect your lifestyle contact Tomorrows Home Business

David Ogden -Tomorrows Home Business
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Email itsgoodbusinessasia@gmail.com
Tel 603 217 5219
Skype: seadogs11

Number One At Google

2008-10-03T11:55:00.001+08:00

Getting to number one spot in Google may take some time, depending on competition, I have captured the first two places in Google with a search on David Ogden It has taken longer than I expected, about a year, as I have competition from a Film Star David Ogden Spiers and a Composer/musician David Ogden. Getting number one spot was part of my branding goal and was achieved without resorting to PPC campaigns.

I have now proved to myself that it is possible to get to number one for any keyword with the correct approach to labelling your web site meta tags and ensuring regular updates to the information. My next goal will be to have the whole of the first page of results pointing to my information and I would like to thank Butch Hamilton an SEO specialist for showing me how this can be accomplished.

David Ogden -Tomorrows Home Business
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