Cancer Insurance Plans Who Needs One And How Do You Choose The One That Is Right For You?

During the past 25 years, cancer plans have become increasingly popular. I applied for my first one about 21 years ago, right after I had my daughter. I was a single parent and wanted to be financially responsible. Since I had a new addition in my life, I also took out a new universal life insurance policy

Being young and naive myself, after a couple years I dropped the cancer plan thinking the money could be better spent on other needs for my little family. I did not take into consideration that my Grandmother, whom I'd never met, because she had died before I was born was a cancer victim. She died from colon cancer after a long fight and surgery to remove most of her colon which left her with a stoma and an ostomy bag to take care of for the remainder of her life.
Around the same time that I dropped my cancer plan, my UNCLE was diagnosed with BREAST CANCER and had a mastectomy. During this time his wife was also diagnosed with breast cancer and had a double radical mastectomy.

Several years later another aunt came down with breast cancer and had a double mastectomy. She is now a big advocate for breast cancer cures and treatment and she spends a lot of time doing volunteer work at her local cancer treatment facility.

I am happy to say that both my aunt and my uncle have remained cancer free after their first bout with the disease, but unfortunately they do spend time taking care of my uncle's wife who has not been so lucky. Her breast cancer has metastasized and turned into a stage 4 lung cancer, which is inoperable.

I also had another aunt by marriage, one that I looked up to so very much that I went into nursing because she WAS a nurse and an inspiration to me. I watched her go through the pain of chemotherapy and radiation. I saw my aunt, who was usually an outgoing and vibrant person, lying in that hospital bed covered with burns from the radiation and weak from the chemotherapy fighting for her life. Her cancer, which started out as lung cancer had metastasized into her liver and eventually took her from us.

Seeing all of this cancer in my family, some blood relatives and some not, I started to think about cancer and not only the devastating EFFECTS of cancer treatment on the patient, but also the FINANCIAL BURDENS that were created for family members. I learned this through personal family experience and later on as a nurse, seeing the effects and pressure the disease was putting on the families of the patients in my care.

While still in nursing school:

As a student nurse, my first patient was a cancer patient. When my instructor assigned her to me I was told that she was dying of cancer. I was scared, really scared. I was not sure if I was scared of her dying or scared of the cancer! I was terrified when I walked into her room, but there she was, aside from being a little frail she didn't even look sick. She had colon cancer, the same cancer that killed my grandmother. She was so nice and funny and pleasant. I worked with her week after week in my clinical training and came to really care about her and her husband. When her husband would leave the room, she would tell me that all she really wanted was to go home, but she didn't want to burden her husband with her care.

When I told my instructor this, she told me to find out about hospice care. At that time I had never heard of hospice care and so I had a lot of learning to do. I did all the research and the following week presented my findings to her husband and told him that I would arrange for a hospice nurse to come talk to them. Two days later when I came back to the hospital, she was gonenot deceasedbut had gone home to live out the rest of her life, where she wanted to be. I never saw her again. This was a bitter-sweet feeling that I will never forget. I had been with this patient through surgery, through chemo, and we spent many hours just talking.

Getting to know her was one of the reasons that I chose to go into long-term care as a nurse. I didn't want to see patients for 10 minutes and then they leave until the next sniffle brought them back to the doctor's office, and I didnt want to see them in hospitals where they were only there for a couple of days and then sent home.

As a nurse working in a long-term care facility, many of my patients had gone through cancer treatment and many still were in treatment. Many of them were hospice patients who were just being kept comfortable in their last few days.

This was a very hard job, both physically and mentally. There were days when I would leave work and cry in my car all the way home, then try to be a good wife and mother and act as if nothing were wrong. Many nurses go through that and it does take a toll on family life. Remember that!and thank a nurse next time you meet one.

Leaving nursing for another career:

Several years later, I left nursing in pursuit of another way to not only make a living, but to help others. After all, helping people is the main reason I became a nurse. After a couple of years, and a couple jobs later, I found what I was looking for. I got a job that the public perceives as one step above a used car salesman. Yep!... I became an insurance agent!

I went to work with an internationally recognized supplemental insurance company (Aflac) and started selling mainly cancer plans. (I even sold one to myself!) I continued reading and researching everything I could find about cancer and then one day my mom called me. She needed me to take her to see an oncologist. She had a bad pap and was recommended to see a specialist. I was REALLY scared now! This is not an aunt or uncle, THIS IS MY MOTHER!

At the appointment, the doctor ran some tests and then we had to come back the following week for the results. That was a VERY long week. The waiting and wondering and not knowing was about to drive me crazy. Finally, the day came for the results. My mother was cleared of cancer, but the oncologist sat me down and told me to pass this along also to my sister. She told me that having cancer in your family can be genetic, but having a male in your family with breast cancer makes the risk even greater. She told me to have my cancer testing done yearly and to make sure my sister does also. She also told me something that I always tell my clients when I am talking about the cancer plans that I offer. "Testing, early detection and treatment can save your life."

Just because you do not have a family history of cancer, does not make you immune to the disease. After all SOMEONE has to be FIRST and that someone could be you or a loved one. It is not just genetics that is a determining factor in cancer. At least once a week you hear of something new that causes cancer.

Now that I have related why you NEED a cancer plan, let me tell you how to choose the right plan!

Since not everyone has the same needs, there are different plans available. Here are a few basic questions you should ask when shopping for a cancer plan.

• Where is the insurance company ranked on the National Underwriters list?
• Is the company ranked "A" or higher with A.M. Best?
• What kind of rate increases have they had in the past?
• Do I like the representative of the company?

Why are these questions important?

National Underwriters rank companies by their assets, amount of paid premiums and amount of claims paid. This is important because a company who is paying out more than they are taking in may not be around in your time of need or they may be forced to increase rates to stay solvent. The financial security of a company you are going to be doing business with is very important!

A.M. Best is another objective look at the insurance company's financial strength. You should always look to make sure they are at least an "A" or an "A+" or higher rated company with A.M. Best. They set the "benchmark" in the international market.

Many companies have increased the rate of their cancer plans over the years. (I found out just how important this was when my mother asked my aunt "Do you still have your cancer plan with." And she said NO because they had raised the rate too much.) Make sure that the company you choose has rate stability and does not continually raise rates. Most companies have the right to raise rates by class, but that does not single you out as an individual to increase rates and some companies have NEVER raised the rates on their current policyholders.

It is also important to like the representative of the company you do business with, since that may be the person you speak with to make any changes to your plan or at the time of a claim. This may be someone with whom you will need to share personal information, so trust is important.

When you are searching for a cancer plan, I hope you remember the tips I have given you. You can learn more about cancer at our website, then click on the cancer page.

Also, to help fund free mammograms, please visit The Breast Cancer Site

And click on the Fund Free Mammograms Button. You can also sign up for email reminders on that site. Their sponsors donate everyday that you click.

As a former nurse, Sharron Hancock believes in Wellness programs and you can sign up for her Free monthly Health & Wellness Newsletter at http://www.lifesolutions.us/

Sharron Hancock is an independent insurance agent who represents numerous companies and one of the founders of Life Solutions, U.S. an agency that helps employers make their benefits dollars go farther. You may contact Sharron through the Life Solutions, U.S. website.

Copyright 2007 - Sharron G. Hancock. All Rights Reserved Worldwide. Reprint Rights: You may reprint this article as long as you leave all of the links active, do not edit the article in any way, give author name credit and follow all of the EzineArticles terms of service for Publishers.

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New York Personal Injury & No-Fault FAQ

Every personal injury claim is different and there are no guarantees. Below are rough answers to some questions we hear frequently about personal injury. Further below is a specific FAQ on No-Fault in New York.

Personal Injury FAQ

Q: How much do lawyers charge?

A: For most personal injury claims, there is no fee unless you collect. Most lawyers in New York charge a one-third contingency fee. When the claim is resolved, the lawyer gets reimbursed for expenses out of the award. Next the lawyer takes the one-third fee. For example, if a claim settles for $35,000, and the lawyer has $2000 in expenses, the fee is $11,000 (1/3 of $33,000). The client would get $22,000.

Q: Does the lawyer always pay the expenses up front?

A: Usually, but not always. There are two major situations where we dont. First, some personal injury claims are not very strong, but we might still be willing to work on a contingency fee basis. In such claims, we will tell the client that they will have to pay the expenses. The other situation is when there is a good offer and the client refuses to accept it against our advice. In these lawsuits we require the client to cover all future expenses.

Q: What are typical expenses in a personal injury lawsuit?

A: In New York personal injury lawsuits, filing fees usually total less than $500. Deposition transcripts also usually total less than $500. The biggest expense is when a lawsuit goes to trial and we have to pay doctors and other experts to testify. We have paid anywhere from $300 to $2500 for a doctors testimony, and some doctors charge as much as $5000. Other expenses include process servers, investigations, medical records, and meals.

Q: What is the process?

A: First most lawyers negotiate with the insurance company. If negotiations are unproductive, the lawyer files a lawsuit. For a few months the lawyers exchange paperwork with the insurance company attorneys. Next come depositions, where they question the plaintiff client and the plaintiff lawyer questions theirs. Then the insurance company might have the plaintiff examined by their doctor in what's known as an IME - Independent Medical Examination. Plaintiff lawyers prefer to call this a Defense Medical Examination. Last is trial. A lawsuit might settle at any point along the way, even while the jury is deliberating.

After a trial the losing side can appeal. Sometimes even the winner can appeal. Cases sometimes settle during the appeal process.

No-Fault FAQ

When you are hurt in an automobile accident in New York State, No-Fault insurance can help with many of your costs. The following frequently asked questions (FAQ) will help you to understand when and how No-Fault pays, what it pays for, and what you have to do.

Q: Am I eligible for No-Fault benefits?

A: You are eligible to receive No-Fault benefits in New York State if:

1. You are injured in an automobile accident;

2. You are a pedestrian struck by a car or motorcycle;

3. You are hurt during the use, operation or maintenance of a motor vehicle unless you are injured in the course of the business of repairing or maintaining a vehicle.

*** Motorcycle drivers and their passengers are not eligible for No-Fault benefits.

Q: What do I do first?

A: Submit your medical expenses and lost wages. Forms for No-Fault and New York State Disability income benefits are provided by the No-Fault carrier (the insurance company that insured the car you were in or struck by at the time of the accident). To begin the process, you have to submit paperwork to that carrier. Failure to file in a timely manner may result in a denial of benefits. We recommend submitting this information as quickly as possible, and we can help with the process.

Q: What information will I need to submit?

A: You will be asked to list all medical providers and facilities that are treating you. The No-Fault carrier will send forms to your doctors. Most will submit their bills directly to the carrier. You should also list your employer(s), and any other related expenses.

Q: What if I go to a new doctor for treatment?

A: Give the new doctor the name and address of the No-Fault carrier so that they too can submit their bills for payment by the carrier. Once your application has been filed, the No-Fault carrier assumes responsibility for the medical bills resulting from the accident. You must also list your employer on the application for No-Fault benefits so that any lost wages you incur as a result of the accident can be recovered.

Q: What if my child is hurt in an accident?

A: In New York State, if a minor (someone under the age of eighteen) receives medical treatment as a result of an automobile accident, the parent or guardian is legally responsible for those medical bills. Thus, the parent or guardian must forward the minors medical bills to the No-Fault insurance carrier, just as they would their own. Again, the No-Fault application must be timely filed, or benefits may be denied.

Q: Besides medical bills, what other costs can I recover through No-Fault?

A: In New York State, you may be reimbursed by the No-Fault carrier for the cost of lost wages, prescriptions, travel expenses for medical treatment, and household help while you are recovering from your injuries - including costs of child care while you visit medical providers. To get reimbursed for these expenses, you must submit them to No-Fault. We recommend submitting expenses immediately.

Albany Lawyer Warren Redlich graduated from Albany Law School in 1994. He also has a Masters degree from Stanford and a BA from Rice. He practices law in Albany, NY, handling personal injury and criminal defense, along with a variety of other litigation.

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Data Protection: Abuse of Process - Damage

The case of Austen v University of Wolverhampton (2005), confirms that in order for a claim under the Data Protection Act 1998 ("the Act") to succeed, there must be evidence of damage and court proceedings must be a proportionate action.

The claimant spent a year as an undergraduate at the defendant university. He issued proceedings against the defendant for defamation, breach of confidence, infringement of his right to privacy, intentional infliction of physical or emotional harm and breach of statutory duty under the Act. The claim in respect of intentionally inflicting harm arose out of a meeting between the defendant's data protection officer and an officer of the Department for Work and Pensions (DWP) who was conducting an investigation into the claimant. The claimant learnt of words allegedly said at the meeting by the defendant's officer and contended that those words had exacerbated a pre-existing psychiatric condition.

In the data protection claim, the claimant alleged that:

He had been provided with misinformation by the defendant in so far as it claimed to have destroyed exam scripts written by the claimant; A document supplied to him was unintelligible; The defendant had not disclosed a document which was produced at meeting with the officer from the DWP; and Documents which had been disclosed had been disclosed late. The defendant applied to the Court to strike out the claim. The Court decided that:

The claims for defamation, breach of confidence and infringement of the claimant's right to privacy would fail; The claim under the Act would be struck out in part; and In respect of the claim for intentionally inflicting harm, it could not be decided that the claimant had no real prospects of success. The defendant appealed in respect of the Court's decision in so far as it allowed parts of the claim to proceed. The Court held that:

The claim for intentionally inflicting harm was struck out because the claimant had no realistic prospect of succeeding on this claim as the defendant could not have intended that the comments made at the meeting would be passed on to the claimant nor had the claimant produced any material to support his assertion that he had suffered injury; and The claim under the Act was struck out because there was nothing of any substance in the claimant's allegation as the claimant had no reasonable prospect of establishing he had suffered damage and to allow the claim to proceed would be disproportionate and amount to an abuse of process. If you require further information contact us.

Email: enquiries@rtcoopers.com

RT COOPERS, 2005. This Briefing Note does not provide a comprehensive or complete statement of the law relating to the issues discussed nor does it constitute legal advice. It is intended only to highlight general issues. Specialist legal advice should always be sought in relation to particular circumstances.

The firm is highly experienced in dealing with the transfer of individuals data to companies within the same organisations, different industries and across various countries. We offer a complete service to companies processing data or transferring data outside the EEA. We offer advice and assistance in relation to all aspects of data protection compliance.

Contact us at enquiries@rtcoopers.com. visit our website at http://www.rtcoopers.com

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Claiming Compensation for Harassment at Work

Harassment is an unfortunate by product of the society that we live in and is frequently encountered by us in the course of every day life. This may typically be found in work situations, but it need not be confined to this, and many of us are, unfortunately, deliberately harassed in our social and domestic lives.

Notably, it is possible to recover damages for harassment that is received in all of these situations without the need to have suffered any injury as a result.

The usual requirements for an action for harassment to succeed are that the victim must have been the recipient of conduct which;-

1. Is targeted at the person who receives that conduct;
2. Occurs on at least two occasions;
3. Is objectively calculated to cause the victim distress; and,
4. Is objectively considered to be oppressive and unreasonable.

It is enough simply to have suffered anxiety as a result of this behaviour for this to constitute harassment and for damages to be awarded or agreed to compensate for any distress and financial losses incurred.

Typically, awards can be made in a range from 500 up to 25,000, although these are by no means the only sums that can be awarded.

It is not necessary, as with most personal injury claims, for your claim to be commenced within three years of sustaining the injury. Claims under the Protection From Harassment Act 1997 must usually be commenced within six years of the harassment being received. This is particularly important in circumstances where the victim has not been confident enough to bring the claim in the immediate period after the harassment has been received.

The Protection From Harassment Act 1997 was recently applied to civil claims for harassment in the workplace. It is not just employees who are protected, but anyone, such as a customer or supplier, even a client.

Closer interpretation has led to the law being applied to situations outside the workplace, with a recent decision awarding a Claimant an overall sum of 35,000 as a result of the utter misery that she incurred through being bullied by her mother in law over a period of four months.

Bullying and harassment are not situations which must be endured silently, or only stopped through criminal proceedings or when injury has been sustained. The law is changing and protection exists through your right to compensation in the civil courts.

Andrew Bowen is the Managing Director of CityView Media which operate a number of online businesses including National Injury Claims and Claim King Accident Compensation.

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Celebrity Divorce Lawyer Ensures Competent Handling Of Divorce Case

When the matrimonial vows of for better or for worse are reduced to only the worse bit, we find couples heading straight for the courts. A painful end like divorce can be devastating for any couple - being a celebrity and in the public eye makes it even worse. In such a crucial phase, celebrity divorce lawyer is a legal advisor that helps celebrities deal with their divorce in the most efficient manner. When a celebrity is undergoing a divorce, it not only involves dealing with a personal failure but also handling the probing eyes of media and the public. At such times the celebrity needs expert advice and help in logically working out the best settlement and that is where a celebrity divorce lawyer steps into the picture.

More or less 49% divorce rate in the United States speaks volumes about the fact why US is known to have the weakest family links. Celebrity divorce forms an integral part of this data hence giving rise to the popular concept of pre-nuptials. A celebrity divorce lawyer however, can ensure that the client gets a fair deal whether or not they had a pre-nuptial agreement. Even if a couple had stepped into the bonding of holy matrimony with pre-decided terms and conditions the impending divorce can blur the decision making capabilities. A professional who is well versed in the legalities of complex divorce proceedings would therefore be a god-send. The demand for a successful and credible celebrity divorce lawyer is therefore constantly on the rise.

A divorce can be a legally complicated issue considering the fact that some laws may differ from state to state. Keeping in mind each and every legal requirement and acting in the best interests of the celebrity client is the job of a thoroughly competent celebrity divorce lawyer. Many a times the decision favoring one partner over the other depends on the clever application of the law according to the state where the case is being fought. This is where selecting the right lawyer to fight the case achieves crucial importance.

Most of the reputed law firms in United States have a team of divorce lawyers on their payroll. Any celebrity can safely hire such a firm and expect competent legal services and the best deal possible. A celebrity divorce lawyer from a law firm of impeccable reputation will be well experienced in handling high profile cases with the utmost discretion and also be media savvy enough to deal with the publicity that is bound to be created by celebrity divorces. Hence even at the end of the day though the celebrity divorce lawyer charges a hefty fee in most cases, the overall benefit to the client far exceeds the amount of money paid for the legal proceedings. The trend of more than one marriage and divorce among celebrities speaks volumes about the efficiency and capability of a celebrity divorce lawyer.

The life of a celebrity is closely followed by the fans and each important event is also of utmost importance to the fans as well. In such circumstances, by adeptly handling the divorce proceedings, child custody, asset distribution etc., the celebrity divorce lawyer is also seen as an ally by the fans of the beloved celebrity. As the old saying goes, a friend in need is a friend indeed and so in modern times with divorces and especially celebrity divorce on the rise, a good, efficient celebrity divorce lawyer is the best bet for an ideal settlement.

Damyel Flower is an exprienced divorce lawyer.He has successfully handled many divorce cases.He gives advice to clients who are looking for Art lawyer,Divorce lawyer NYC, celebrity divorce lawyer.To hire services of a lawyer in New York and any legal advice visit www.mtllp.com

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Building a Home Internet Business - Ideas for the Beginner?

Building a home internet business can be as rewarding and satisfying as it is frustrating and expensive. Anyone considering building a home internet business should educate themselves of the types of internet business that are available to them. This article aims to provide the knowledge of what is available to those who wish to begin building a home internet business.

Google provides many who are interested in building a home internet business with opportunities to make money using their adwords and adsense programs. Google adsense is a program created for content publishers, namely those who have or are creating a website. Google gives you, the publisher, a snippet of html code that you must insert into your web pages. After doing so Google will display ads on your pages that are related to the content and whenever someone clicks on an ad Google will pay you. I have seen clicks that pay anywhere from $.05 to $5.00 per click. Building a home internet business using Google adsense will take some time if you do not know much about building a website but if you are up to the challenge it can be one of the most lucrative ideas for building a home internet business that literally runs on auto pilot. The best part is once you create your first adsense site it is easy to just repeat the process for a different website with a new theme.

Google adwords is quite different from the adsense program but is something that the beginner can jump into right away. Building a home internet business using adwords doesn't require any knowledge of web design or even having your own product. The way adwords works is that you write ads that will appear next to the search listings for a specific keyword. The keyword that the ad appears for is determined by your bid on that particular keyword. Whenever someone clicks on your ad Google will charge you. This can be a very effective method for building a home internet business promoting affiliate products that pay you a commission. Building a home internet business with Google adwords has become very popular and there are a number of resources that can show you how to be successful using adwords. I suggest taking a look at Perry Marshall's "The Ultimate Guide To Google Adwords".

Google is not the only resource for those building a home internet business. There are many money making programs that can be purchased by the beginner for under a hundred dollars that are jam packed with great ideas for building a home internet business. The only problem is that many people are tricked into buying these programs with the notion that they will make thousands of dollars in a relatively short amount of time. Building a home internet business is not going to be easy and I think many give up once they realize it is hard work. Because of this many programs have gotten a bad name. Yes, it is true that many of the sales pages for online money making programs are exaggerated, but keep in mind that they are trying to sell their product.

Truth be told, unless you already know a lot about internet marketing and how to create web sites you will not make a lot of money right away. Building a home internet business will take time and you will need to educate yourself with the ideas and concepts outlined in any program you decide to purchase.

Once you have found and committed to a system stick with it for at least a year. If you want to be successful building a home internet business you need to follow in the footsteps of people who are already making money on the internet. Make the time to work on building a home internet business. I suggest trying to spend an hour or two per day.

If are interested in building a home internet business and want to see what kind of programs are available to you please visit my website Johnny's Scam Report. I have tested many of the internets so called get rich programs and can help save your time and money.

Also click here to see what I believe to be the best opportunity for building a home internet business.

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Inherent Dangers in the Sport of Cheerleading

Levels of Safety

There are three levels of safety/injury in the sport of cheerleading in the two different cheerleading sports. Cheerleading ranks as the most dangerous womens sport in all safety areas. The first level of safety involves catastrophic injury in which involves permanent paralysis or death. The second level of safety involves injuries for which the athlete must receive hospital care. The third level of safety involves injuries which require missing or altering an athletes practice or competition schedule.

Height and Motion

There are logistical reasons why cheerleading is dangerous. Any activity involving height and motion involves the risk of injury. Cheerleading utilizes tumbling (motion) and basket tosses and pyramids (height and motion) and thus is inherently dangerous to some extent. Choosing to participate exposes cheerleaders to an increased risk of injury, including the risk of catastrophic injury.

Performance Areas

Cheerleaders, except in competitions, perform on surfaces designed for an entirely different sport. Basketball floors and football fields were not designed with cheerleaders in mind to even a minor degree. Even the layout of most basketball and football (and other sports) facilities are not planned with a specific cheerleading area designated, so cheerleaders are stuck performing around the edges of anther sports playing area.

Failure to Warn

One of the legal liabilities of any sport and certainly any sports injury lawsuit involves the failure to warn the participants in the activity of the dangers of their participation. There seems to be little doubt that cheerleaders, especially young cheerleaders, and their parents are not sufficiently aware of the dangers they are being exposed to by participation in the sport of cheerleading. While we are not in favor of the sometimes recommended scare tactic methods of warning athletes of dangers (dont create self-fulfilling prophecy psychology), there is no doubt that cheerleaders would be safer if they understood that safety practices are never to be bypassed.

Cheerleading Competitions

Cheerleading has split into two distinct sports, although some programs perform and compete in both. Cheerleading used to be an athletic activity designed to act as a support system for other sports. There was more interest in boosting school and team spirit than in increasing skill difficulty. Cheer competitions changed all that as difficulty was introduced as an important factor in judging cheer competitions.

Alphabet Soup

There has been a proliferation of cheerleading associations, matching the rise of the popularity of cheerleading competitions. Often, the primary motivation for the start-up, operation and management of cheerleading associations is financial. Coaching and safety considerations, other than at their own competitions, camps and clinics can often fall by the wayside when the primary association activities are financial.

For More Information
For even more of the type of in-depth information about cheerleading in this article and other interesting and informative products, see our Cheer Zone web site at: http://gymnasticszone.com/CheerZon.htm

15 Books and Counting
John Howard is the author of 15 books and e-Books about cheerleading, gymnastics, gym design, and gymnastics humor. More books are already on the way. He has 25 years experience and has coached State, Regional and National champion gymnasts, international competitors and cheerleaders at the National level in NCAA Division I.

Enter the Gymnastics Zone
GymnasticsZone.com is a highly informative gymnastics, strength and cheerleading information web site for gymnasts, cheerleaders, coaches and parents with numerous FREE articles and information, fun pages and activities all available for viewing at: http://GymnasticsZone.com

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Email Marketing - Building A Mail List

Millions of people use their computer everyday as a form of communicating with others by sending messages through email.

From sending newsletters, updates, articles, follow-ups or simply sending an email message.

If you have an online business, email marketing gives you the opportunity to target your products or services to a selective audience. Whether you use it everyday, weekly or monthly, it is a great way to communicate with your customers supplying them with useful information.

It is known that many Internet marketers generate more revenue from their mailing efforts than they do from their website. This is mainly because when you have a large mail list and correspond frequently, people are more inclined to buy from someone they have established a relationship with.

As with any business, you have to start to build a mail list and develop some strong mailing campaigns. You can accomplish this through customer sales, newsletters, memberships, subscriptions, referrals, etc. The most efficient and practical way will be from your website, such as offering your viewers a free newsletter that they can subscribe to.

Publishing your own newsletter is by far the best way to build up a mail list in the shortest possible time. Although the time involved in writing your own publications is more demanding, once you have a few publications published, your mail list will begin to grow quickly.

Key Points:

In publishing a newsletter, here are a few key points to consider.

- Have a form on your website giving your viewers the option to subscribe. To increase the amount of subscribers you receive, have this form on every page of your website.

- You may want to consider having a page on your website explaining the benefits of subscribing to your newsletter in more detail.

- On your form, make sure you give a short description to the benefits to subscribing to your newsletter. Do not just put a subscribe form on your site and expect people to subscribe.

- You need to give a brief explanation of what information they can expect to receive for subscribing. Also let them know how often your newsletters are sent (daily, weekly, monthly). It also is a good idea to give them something for free as an incentive for subscribing (discounts on your products, ebooks, coupons, free reports, etc.).

Added Benefits:

Not only can you build a mail list from offering a newsletter from your website, but you can get added subscribers to your newsletter using the following techniques.

Swap Ads

You can swap ads with other newsletter publishers. Look for publishers that have an opt-in mail list of people who would be interested in your newsletter, products or service.

Message Boards

Placing an announcement about your newsletter in message boards can always bring you a few subscribers.

Press Release

You can get added subscribers by using a Press Release about your website and the benefits of your newsworthy ezine.

Ezine

Listing your newsletter in ezine directories is one of the best ways to get added subscribers. Remember you can use free directories as well as paid ones to list your newsletter.

Discussion Groups

Discussion groups are where people participate in topics pertaining to a certain interest. By participating in these groups your business can generate many new subscribers.

The idea behind this is to be part of the group, getting involved and participating in the general discussion. Everyone in the group needs to stay focused on the common interest. This is not a place to post ads about your website or newsletter.

If you are asked about an issue that relates to your business, it is perfectly okay to direct them to your website.

Another way that is acceptable is in your signature file. You can respond back to comments leaving your signature file with a brief description about your newsletter.

Referrals

Last but not least, always ask for referrals from your viewers or subscribers. If you supply solid information in your newsletters, youll be surprised how many referrals youll receive.

Building a mail list is the key to your success and will be your true source to increasing revenue.

Final Note

When we talk about building a mail list, this is only to imply building one through an opt-in list. An opt-in list is from people who have given you their email address and agreed to receive information from you.

Never send out email to people who have not requested it or use email addresses through another source (companies that sell or rent email addresses without the addressees permission).

If you build a mail list that is not opt-in, it will be considered Spam (Unsolicited Commercial Email). Spam is considered illegal in some states and you can risk the possibility of your business being shut down.

Copyright 2003-2005 by John Kovacs

John Kovacs is the CEO and founder of A Home Business Opportunity. His website mainly focuses on supplying free marketing tips, resources and support for home startup businesses and Internet marketing. To get a step-by-step guide in building an online business, visit http://www.ahomebusinessopportunity.net

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