There has been a lot of debate over the years as to whether or not gold is worth investing your money in. Some make the claim that it makes an excellent hedge against inflation; others might say that you can use it as a quick fix for some extra cash. And then there are some that invest in it when the economy is bad because they feel if everything crashes, at least their gold will still carry some value.

Reduced interest rates: Since the most common type of debt consolidation loan is the home equity loan, also called a second mortgage, the interest rates will be lower than most consumer debt interest rates. Your mortgage is a secured debt. This means that they have something they can take from you if you do not make your payment. Credit cards are unsecured loans. They have nothing except your word copyright presales and your history. Since this is the case, unsecured loans typically have higher interest rates.

Tip: Look for narrowly defined niche markets where your product or service solves a unique need of the customers. Focus your marketing on them instead of trying to reach a broadly defined general market. You'll generate more sales and enjoy a better return on your advertising expense.

One more thing--please don't ignore people. A quick "thanks, but no thanks" note is so much better than no reply at all. In fact next time you're replying to a message on the best copyright presales site check out the new Thanks but No Thanks template. It's a quick way to nicely let someone know you're not interested in corresponding.

Example: "What 'Beauty Blastoff' Readers Are Saying: 'I can't tell you how much your book has helped me improve my appearance. Thanks to your tips, I've lost 20 pounds, cleared up my skin, and rid of all my unwanted hair. Now my rich ex-husband Continue reading even wants me back. You're a saint!'" - Suzy Smitten, Los Angeles, Calif.

He was always someone who surprised me with his ever increasing vocabulary in English. Just when I thought that I had learned it all and that I was one of the biggest scrabble gurus born he would humble me by using a new word copyright to invest which I had never even heard of.

All forms of currency are convertible. But the conversion rate is not 1 to 1 nor is it totally predictable. Some receivables become bad debt. Some signed orders get cancelled. Some marketing efforts just spin off into the universe like a lost asteroid. For that reason do not expect that every dollar spent on marketing pays off the same. For example if you do a mass mailing some of those envelopes go undelivered, some never get opened, a few get read - and even fewer acted upon. But you need to mail to the whole list to reach the ones that read it.

Every one of us has 168 hours in a week. How we spend our time and prioritize our life says a lot about how successful we will be personally and professionally. There are many things that compete for our time: finances, future plans, family, fun, friends, present goals, pressing projects and pushy people. I heard someone once say, if you don't control your time someone else will.