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    What is Viral Marketing
    At first sound, the term: "Viral Marketing" sounds either offensive or contagious. To be honest, it is contagious. It is a contagious marketing strategy that, if done properly, can lead you to more business than you have ever thought possible. Viral marketing is, in essence, a method of advertising that encourages others to spread the message about your product.Viral – which literally means "caused by a virus" – takes advantage of rapid multiplication, much like a virus. This type of campaign has the potential to explode to thousands – or even millions with very little effort on your part. This marketing tactic causes a wildfire effect – creating the potential for growth far beyond what its author imagined.Now that we are talking about a virus in your marking, let me give you a very powerful example of viral marketing. One word: Hotmail.Yes, Hotmail, one of the world’s largest free e-mail providers is an example of viral marketing. The strategy is simple:1. Give away free e-mail2. Attach your company name to the bottom of every message sent out: "Get your private, free email at http://www.hotmail.com"3. Watch while people e-mail to their own network of friends and associates4. Those friends and associated sign up for their own free e-mail service5. They then send your company name further from the original user - building an ever-increasing circle of friends and associates.Obviously not every marketing campaign is successful, the same with a viral marketing campaign. There are six basic elements to include in your strategy. A viral marketing strategy doesn’t need to contain all of these elements, but the more elements it embraces, the more powerful the results are likely to be. An effective viral marketing strategy includes:1. Gives away products or services2. Provides effortless transfer to others3. Can easily scale from small to large4. Exploits common motivations and behaviors5. Utilizes existing communication networks6. Takes advantage of others' resourcesGives away products or services: "Free" is a very powerful word in marketing. Often, we see the terms “cheap” or “inexpensive” in advertisements, but these terms generally only generate only small waves of interest. "Free", on the other hand, will usually get the boat rocking. Many viral marketers understand giving away a product will not generate immediate in
    rop the ball in his or her coursework. While it is true that in terms of grades, college starts in 9th grade, there is a bit of room for error in the earlier years, as long as the student eventually demonstrates an upward grade trend. By the fall term of 11th grade, this upward trend has to have begun; it is then the student’s responsibility to reinforce these high grades throughout the rest of his or her high school career. It is therefore also crucial to end midterms on a strong note. You should check in with your son or daughter periodically to see how each individual class of theirs is going so you can pinpoint any particular problem areas early on. If they seem to be having problems in a certain area, encourage your son or daughter to talk to the teacher outside of the classroom on a biweekly basis. This not only will help your child understand the material, it will help him or her build an important relationship with a teacher who could vouch for him or her on a college application during the following year. It’s also a good idea to ask questions about their classes from an intellectual standpoint: Try and help your child connect the actual course material by engaging in dinnertime conversation about what he or she is studying. Play the role of student by having your child explain in detail what is being covered in their core classes. Still, if your son or daughter seems to be slipping grade-wise or seems increasingly disinterested in his or her schoolwork, you may want to start encouraging the college research process with a possible trip to a reach school or two. Seeing the school’s environment and realizing what the commitment it will take to get there will likely serve as a motivator more commanding than your reminders that schoolwork comes first.

    - Stay on top of your son or daughter’s standardized testing schedule. It is important to really keep on top of your kids about this: Are they signed up for the right standardized tests? Are they properly registered? It has unfortunately proven more than once that leaving minute details such as picking up registration forms up to the student is not always a foolproof plan. Also, ask to see the registration forms to make sure that your son or daughter’s name is spelled and recorded exactly the same way on each SAT form. If a student sits an SAT or a subject test on more than one occasion and his or her name is recorded differently in any way from one date to the other, not all scores will be grouped together. Even something as minor as the presence or absence of a hyphen in a compound last name can cause a separate record to be created for your child, so please be vigilant about spelling!

    - Finally, don’t stress yourself out, too! As we said earlier, 11th grade is indeed a demanding and tense year for students. It is your job to serve as a support system during this time, not add unneeded extra pressure.

    For parents of seniors:

    - Encourage

    Get a Free Car Loan Calculator Online
    With a car loan calculator you'll got a valuable tool. You can apply an auto loan calculator in three very useful ways; determine a car loans total costs determine your estimated monthly car loan payments find the right auto financing alternatives for you. A loan calculator is available for free on many loan websites. It contains a few fields like the loan amount, interest rate, payback time etc. All you have to do is to fill in these few cells of information and in a second you'll have a report about how much the car loan will cost you in total as well as your monthly payments. In such a loan calculator you'll virtually have the full control of the operations as well as your input. You can type in and change the values in any of the fields to check different financing scenarios. And this is a great feature when comparing offers from different auto lenders. Most of the loan calculators are user friendly loan amortization software.As I said before, many online car lender websites provide a vehicle loan calculator which you can use for free. Be aware though that this is a part of the promotion of their own loans and that the rates they give or input as default is not the same as a loan quote. Therefore you should use this calculator as a guidance only before you have received any auto loan offers. However what you can do, while at the same time being very useful is to simulate different financial situations by manipulating or changing the various values of the calculator's fields. Let's say that you want to pay your car loan off in as short a time as possible. Then you can see how much you have to pay per month and compare this with the maximum amount you can pay for different levels of interest rates. If you have very little money right now, you can choose the max pay back time and see how little you have to pay per month at different interest rate levels, and thus see if you are able to take a loan at all right now. Later when your financial situation has changed you can adjust the pay back time for the loan.After you have been searching on the internet, applied for a few car loans and received a few offers from various vehicle lenders, you can use the loan calculator to compare the different offers. You can even get a special comparison vehicle loan calculator. You now know the quotes from the various loan companies and this will therefore be a reliable com
    For juniors:

    - Optimize your free time. Unfortunately, eleventh grade tends to be the most difficult in terms of time management due to the large amount of studying that is required of all students – not only for their courses, but for standardized tests. We recommend going out with friends only one night a week, preferably a Saturday night. You probably want to get into the habit of staying in on Friday nights – or at least having more relaxed Friday nights – because most standardized tests occur early on Saturday mornings. I know that 11th grade is a very social year, and it’s easy to get distracted by friends, so we recommend that students plan their study time at home very carefully. Break that time up into one-hour blocks, working on homework and studying for 50-55 minutes and taking 5-10 minutes at the end of each hour to take a break and communicate with your friends. This requires discipline, but you will get a lot more done with way than if you let yourself get caught up in an hour-long phone conversation or IM session. It is very important to prioritize what you have to do every week, keeping in mind that large projects, tests and papers come first. Plan to work on these in advance, not the night or even week before. In fact, as soon as you get the assignment or test date, you should begin preparing incrementally. A project done the night before is never as good as one that has been gradually strengthened over time, and furthermore, you need a good night’s sleep—7 or 8 hours if possible—before a presentation or test. Pulling an all-nighter ultimately does you a disservice. If you are tired after school, instead of sleeping until dinner, you should train yourself to take 30-minute power naps, which will re-energize you without wasting valuable time.

    - Stick to your IvyWise testing schedule. Eleventh grade, we’re sorry to say, is also the year of heavy standardized testing. The best way to handle it all is by beginning preparation for the SAT I, SAT subject tests, and AP exams (if you’re taking them in May) at the beginning of the school year. In addition, try spacing your test dates out so you are not wrestling with too much test prep at any given time. For example, you can take the Math I or II SAT subject test in November and December and get them out of the way. If you are able to prepare well enough in advance, we recommend taking the SAT I in both January and April and leaving May and June open for subject tests. The May SAT date does not conflict with the dates of the May AP tests, which are usually given at school during the week. In order to get the most out of a testing day, we advise—especially at the end of the school year—taking 3 SAT subject tests on both the May and June dates. The subjects you take on these dates should coincide with your 11th-grade courses, as learning is cumulative, and you should already know most of the information on the tests by May or June due to your in-school coursework. Also, remember that because colleges take only your highest scores, you can take tests twice. For example, if you take US History as an 11th-grader, you may want to sign up for the US History SAT subject test in both May and June to give yourself two shots at it. For the SAT I, colleges will take your highest score in each section, even if they occur on different test dates. If you want a third chance at the SAT I or any SAT subject tests, you still have October and November of your senior year to use as retake dates. Finally, just a reminder that in order to be prepared for standardized tests, it is important to practice. You should do about eight realistic practice tests for each exam, whether it be the SAT I, a subject test, or an AP exam, before going into the real test.

    - Nurture your teacher relationships. Eleventh grade is the most important time in your high school career to cultivate your relationships with teachers. Most likely, two of your 11th-grade teachers will later be writing your college recommendations. Try to be absent as little as possible (aim for 3 days maximum per year, and those should only be due to extreme illness), be responsible with your schoolwork, go above and beyond the boundaries of the classroom assignments, be respectful of your teachers and peers, and meet regularly with your teacher outside of the classroom for extra help and so you can build a better relationship. By the end of the year, you should have at least two teachers who will want to go to bat for you. The better a teacher knows you, the better his or her recommendation will be, as he or she can include detailed and lively anecdotes about you in your letter of recommendation.

    - Start your college research early. Beginning in 11th grade, we recommend visiting as many campuses as possible of those that interest you, because you will learn a lot just by being on the campus and seeing the community firsthand. You can start your research using the Fiske Guide to Colleges, which is an especially great resource, because each school’s description also includes a list of schools that are typical overlaps (a list of schools where applicants to that particular school also applied). Once you read a bit about a college, you can do more research about it online by taking virtual tours and reading about professors, course offerings, clubs and organizations, community service, internships and study abroad opportunities. After awhile, you will really start to get a feel for what it would be like to go there. When you visit, you should attend both the information session and the campus tour, as you get two different points of view: Generally, an admissions representative leads the information session while a current student leads the tour. As an eleventh-grader, it is also a great idea to make contacts at the schools in which you’re interested. For example, contact the admissions office at a school you love, find out who will be reading applications from your area, and start an email dialogue with this reader. This is a good way to get your specific questions answered, as well as have your name heard by the person who will eventually be evaluating your application.

    - Set high but realistic grade goals for each semester. Colleges will look first and foremost at your academic record from 9th grade through the end of 11th grade. Therefore, your goal should be to end 11th grade as strong as possible. This is especially important if you started high school out on a shaky note – if you finish 11th grade on an upward grade trend, your lower grades in your freshman year will be more likely to be excused. Most colleges will only see the very beginning of your senior year’s performance in your courses by the time you apply, so your end-of-year grades during junior year must be reflective of your academic capabilities. College is about getting a higher education and admissions readers want to be sure that the students they admit can do the work at their school. Remember, grades always come first!

    For seniors:

    - Focus on all of your schools, not just your early choice. If you applied early, it can be tempting to “wait and see” before seriously working on your other college applications—however, since most early programs send out their decisions in mid-December and most regular applications are due in early January, putting off the other applications would be a mistake. Give yourself your winter vacation as a time to relax, not as a time to be frantically working on your college applications. Furthermore, keep researching all of the schools on your list. Take comfort in the fact that you put together your college list based on careful research—you would likely be equally happy and successful at any of the schools on your list. Continued research should help you get excited about multiple colleges, instead of just focusing on one. That way, once you receive your early application decision, you will be prepared for all options.

    - You are in charge of what you share. In other words, if your relatives nag you over where you are applying and whether you will be going to an Ivy League school, feel free to decide how much you want to share. If a particular extended family member or friend is adding to your stress rather than helping alleviate it, you might want to calmly and directly explain that you would rather not discuss it right now. Remember that if someone is giving you a hard time, it is likely a result of his/her own feelings and not about you. Surround yourself with people who will support you, and think about how your words might be affecting those around you as well.

    - Don’t forget that you are still in high school. Senior year, as you know, is often very stressful. Seniors are so busy planning and preparing for leaving home and going to college while at the same time still trying to enjoy their last year of high school. Don’t get so caught up in applying to college that you neglect high school—including your schoolwork. Stay motivated by using your last year of high school to get the most out of your classes, and to contribute more than you have in the past. Adding to class discussions, challenging yourself on papers and assignments, and managing your busy schedule are great practice for college, when you will most likely have harder classes and more freedom.

    - Be a leader. As a senior, you are automatically a leader in your school, whether or not you are captain of a sport or president of a club. Assume your leadership role with pride. Be a role model to younger students. Lead by example in the classroom, on the sports fields, and in your clubs and activities.

    - Remember that things do work out. It may be difficult to hear now, but whether or not you are admitted to your first choice school, things do work out in the end. Most students I have spoken to agree that they would have been happy and successful at many, many colleges. Success is based on the individual, not on the college he/she attends. College admission is not a statement about your worth as a person. This fact is important for everyone to keep in mind—even the person who is admitted to every school on the list. Celebrate your many accomplishments before you hear from your colleges.

    For parents of juniors:

    - Start planning trips around college visits. A helpful way for a parent to get involved in the college application process is by starting to plan college visits in advance, before the pressure is on during senior year. Longer trips can be planned during fall or winter break, whereas a quick trip should be planned for a day off of school. Ideally, a visit should be when school is in session, so the student can get a realistic idea of what it’s like to live and study in that particular community. Initiating discussion of college visits is also a great way to encourage your son or daughter to begin the college research process early. Remember, however, that your role is to plan the visits and provide support for your son or daughter throughout the duration of the visit; it is not to decide whether the school is a good match for your son or daughter. Of course, your opinion will likely matter to your son or daughter, it’s important that you stay at arm’s length – you are not applying to school.

    - Help your child understand the importance of junior year grades. Eleventh grade can be an extremely stressful and work-intensive year for students who are planning on applying to the top tier of colleges. In some cases, the overload can cause a backlash or a descent into indifference. It is then your role to help your son or daughter understand that 11th grade academic performance is basically the most important aspect of a college application, and this is the most inopportune time for a high school student to drop the ball in his or her coursework. While it is true that in terms of grades, college starts in 9th grade, there is a bit of room for error in the earlier years, as long as the student eventually demonstrates an upward grade trend. By the fall term of 11th grade, this upward trend has to have begun; it is then the student’s responsibility to reinforce these high grades throughout the rest of his or her high school career. It is therefore also crucial to end midterms on a strong note. You should check in with your son or daughter periodically to see how each individual class of theirs is going so you can pinpoint any particular problem areas early on. If they seem to be having problems in a certain area, encourage your son or daughter to talk to the teacher outside of the classroom on a biweekly basis. This not only will help your child understand the material, it will help him or her build an important relationship with a teacher who could vouch for him or her on a college application during the following year. It’s also a good idea to ask questions about their classes from an intellectual standpoint: Try and help your child connect the actual course material by engaging in dinnertime conversation about what he or she is studying. Play the role of student by having your child explain in detail what is being covered in their core classes. Still, if your son or daughter seems to be slipping grade-wise or seems increasingly disinterested in his or her schoolwork, you may want to start encouraging the college research process with a possible trip to a reach school or two. Seeing the school’s environment and realizing what the commitment it will take to get there will likely serve as a motivator more commanding than your reminders that schoolwork comes first.

    - Stay on top of your son or daughter’s standardized testing schedule. It is important to really keep on top of your kids about this: Are they signed up for the right standardized tests? Are they properly registered? It has unfortunately proven more than once that leaving minute details such as picking up registration forms up to the student is not always a foolproof plan. Also, ask to see the registration forms to make sure that your son or daughter’s name is spelled and recorded exactly the same way on each SAT form. If a student sits an SAT or a subject test on more than one occasion and his or her name is recorded differently in any way from one date to the other, not all scores will be grouped together. Even something as minor as the presence or absence of a hyphen in a compound last name can cause a separate record to be created for your child, so please be vigilant about spelling!

    - Finally, don’t stress yourself out, too! As we said earlier, 11th grade is indeed a demanding and tense year for students. It is your job to serve as a support system during this time, not add unneeded extra pressure.

    For parents of seniors:

    - Encourage y

    How To Make Money Selling On eBay - Is It Time To Become A Real Business?
    Many sellers started on eBay with no intention of ever facing the question of whether to take their part-time effort and turn it into a real business. They had no expectation that eBay would even become a viable option for earning money. Yet as they gained experience and knowledge they found that they had discovered how to make money selling on eBay. Like so many others before them they discovered that their hobby could become a viable business enterprise.How do you know when it is time to become a real business? What are the right steps to take when a seller wishes to make it into a real business? What are the right steps to learning how to make money selling on eBay consistently? All of these questions and more soon must be answered.The first step is the most important step of all. The seller must determine that becoming an eBay business is the right thing to do. That seller already knows how to make money selling on eBay and is ready to apply that knowledge in a bigger way. So now it means that the seller will take that knowledge and experience and add the discipline that goes with business ownership and management.Business ownership and management requires that the entrepreneur become more organized, disciplined and business-like in their approach to their eBay efforts. Since they know how to make money selling on eBay they need to multiple their knowledge to make even more. They can no longer defer actions as they once did. Now when the business requires something it must be done. When customers need help there is no more putting it off until tomorrow.If you feel that your eBay efforts are ready to become a real business then recognize that while you may know how to make money selling on eBay in your spare time there is a much bigger set of requirements and responsibilities associated with becoming a successful business. Be sure that you are ready to become an organized and disciplined business owner and manager.To Your eBay Success!
    in-school coursework. Also, remember that because colleges take only your highest scores, you can take tests twice. For example, if you take US History as an 11th-grader, you may want to sign up for the US History SAT subject test in both May and June to give yourself two shots at it. For the SAT I, colleges will take your highest score in each section, even if they occur on different test dates. If you want a third chance at the SAT I or any SAT subject tests, you still have October and November of your senior year to use as retake dates. Finally, just a reminder that in order to be prepared for standardized tests, it is important to practice. You should do about eight realistic practice tests for each exam, whether it be the SAT I, a subject test, or an AP exam, before going into the real test.

    - Nurture your teacher relationships. Eleventh grade is the most important time in your high school career to cultivate your relationships with teachers. Most likely, two of your 11th-grade teachers will later be writing your college recommendations. Try to be absent as little as possible (aim for 3 days maximum per year, and those should only be due to extreme illness), be responsible with your schoolwork, go above and beyond the boundaries of the classroom assignments, be respectful of your teachers and peers, and meet regularly with your teacher outside of the classroom for extra help and so you can build a better relationship. By the end of the year, you should have at least two teachers who will want to go to bat for you. The better a teacher knows you, the better his or her recommendation will be, as he or she can include detailed and lively anecdotes about you in your letter of recommendation.

    - Start your college research early. Beginning in 11th grade, we recommend visiting as many campuses as possible of those that interest you, because you will learn a lot just by being on the campus and seeing the community firsthand. You can start your research using the Fiske Guide to Colleges, which is an especially great resource, because each school’s description also includes a list of schools that are typical overlaps (a list of schools where applicants to that particular school also applied). Once you read a bit about a college, you can do more research about it online by taking virtual tours and reading about professors, course offerings, clubs and organizations, community service, internships and study abroad opportunities. After awhile, you will really start to get a feel for what it would be like to go there. When you visit, you should attend both the information session and the campus tour, as you get two different points of view: Generally, an admissions representative leads the information session while a current student leads the tour. As an eleventh-grader, it is also a great idea to make contacts at the schools in which you’re interested. For example, contact the admissions office at a school you love, find out who will be reading applications from your area, and start an email dialogue with this reader. This is a good way to get your specific questions answered, as well as have your name heard by the person who will eventually be evaluating your application.

    - Set high but realistic grade goals for each semester. Colleges will look first and foremost at your academic record from 9th grade through the end of 11th grade. Therefore, your goal should be to end 11th grade as strong as possible. This is especially important if you started high school out on a shaky note – if you finish 11th grade on an upward grade trend, your lower grades in your freshman year will be more likely to be excused. Most colleges will only see the very beginning of your senior year’s performance in your courses by the time you apply, so your end-of-year grades during junior year must be reflective of your academic capabilities. College is about getting a higher education and admissions readers want to be sure that the students they admit can do the work at their school. Remember, grades always come first!

    For seniors:

    - Focus on all of your schools, not just your early choice. If you applied early, it can be tempting to “wait and see” before seriously working on your other college applications—however, since most early programs send out their decisions in mid-December and most regular applications are due in early January, putting off the other applications would be a mistake. Give yourself your winter vacation as a time to relax, not as a time to be frantically working on your college applications. Furthermore, keep researching all of the schools on your list. Take comfort in the fact that you put together your college list based on careful research—you would likely be equally happy and successful at any of the schools on your list. Continued research should help you get excited about multiple colleges, instead of just focusing on one. That way, once you receive your early application decision, you will be prepared for all options.

    - You are in charge of what you share. In other words, if your relatives nag you over where you are applying and whether you will be going to an Ivy League school, feel free to decide how much you want to share. If a particular extended family member or friend is adding to your stress rather than helping alleviate it, you might want to calmly and directly explain that you would rather not discuss it right now. Remember that if someone is giving you a hard time, it is likely a result of his/her own feelings and not about you. Surround yourself with people who will support you, and think about how your words might be affecting those around you as well.

    - Don’t forget that you are still in high school. Senior year, as you know, is often very stressful. Seniors are so busy planning and preparing for leaving home and going to college while at the same time still trying to enjoy their last year of high school. Don’t get so caught up in applying to college that you neglect high school—including your schoolwork. Stay motivated by using your last year of high school to get the most out of your classes, and to contribute more than you have in the past. Adding to class discussions, challenging yourself on papers and assignments, and managing your busy schedule are great practice for college, when you will most likely have harder classes and more freedom.

    - Be a leader. As a senior, you are automatically a leader in your school, whether or not you are captain of a sport or president of a club. Assume your leadership role with pride. Be a role model to younger students. Lead by example in the classroom, on the sports fields, and in your clubs and activities.

    - Remember that things do work out. It may be difficult to hear now, but whether or not you are admitted to your first choice school, things do work out in the end. Most students I have spoken to agree that they would have been happy and successful at many, many colleges. Success is based on the individual, not on the college he/she attends. College admission is not a statement about your worth as a person. This fact is important for everyone to keep in mind—even the person who is admitted to every school on the list. Celebrate your many accomplishments before you hear from your colleges.

    For parents of juniors:

    - Start planning trips around college visits. A helpful way for a parent to get involved in the college application process is by starting to plan college visits in advance, before the pressure is on during senior year. Longer trips can be planned during fall or winter break, whereas a quick trip should be planned for a day off of school. Ideally, a visit should be when school is in session, so the student can get a realistic idea of what it’s like to live and study in that particular community. Initiating discussion of college visits is also a great way to encourage your son or daughter to begin the college research process early. Remember, however, that your role is to plan the visits and provide support for your son or daughter throughout the duration of the visit; it is not to decide whether the school is a good match for your son or daughter. Of course, your opinion will likely matter to your son or daughter, it’s important that you stay at arm’s length – you are not applying to school.

    - Help your child understand the importance of junior year grades. Eleventh grade can be an extremely stressful and work-intensive year for students who are planning on applying to the top tier of colleges. In some cases, the overload can cause a backlash or a descent into indifference. It is then your role to help your son or daughter understand that 11th grade academic performance is basically the most important aspect of a college application, and this is the most inopportune time for a high school student to drop the ball in his or her coursework. While it is true that in terms of grades, college starts in 9th grade, there is a bit of room for error in the earlier years, as long as the student eventually demonstrates an upward grade trend. By the fall term of 11th grade, this upward trend has to have begun; it is then the student’s responsibility to reinforce these high grades throughout the rest of his or her high school career. It is therefore also crucial to end midterms on a strong note. You should check in with your son or daughter periodically to see how each individual class of theirs is going so you can pinpoint any particular problem areas early on. If they seem to be having problems in a certain area, encourage your son or daughter to talk to the teacher outside of the classroom on a biweekly basis. This not only will help your child understand the material, it will help him or her build an important relationship with a teacher who could vouch for him or her on a college application during the following year. It’s also a good idea to ask questions about their classes from an intellectual standpoint: Try and help your child connect the actual course material by engaging in dinnertime conversation about what he or she is studying. Play the role of student by having your child explain in detail what is being covered in their core classes. Still, if your son or daughter seems to be slipping grade-wise or seems increasingly disinterested in his or her schoolwork, you may want to start encouraging the college research process with a possible trip to a reach school or two. Seeing the school’s environment and realizing what the commitment it will take to get there will likely serve as a motivator more commanding than your reminders that schoolwork comes first.

    - Stay on top of your son or daughter’s standardized testing schedule. It is important to really keep on top of your kids about this: Are they signed up for the right standardized tests? Are they properly registered? It has unfortunately proven more than once that leaving minute details such as picking up registration forms up to the student is not always a foolproof plan. Also, ask to see the registration forms to make sure that your son or daughter’s name is spelled and recorded exactly the same way on each SAT form. If a student sits an SAT or a subject test on more than one occasion and his or her name is recorded differently in any way from one date to the other, not all scores will be grouped together. Even something as minor as the presence or absence of a hyphen in a compound last name can cause a separate record to be created for your child, so please be vigilant about spelling!

    - Finally, don’t stress yourself out, too! As we said earlier, 11th grade is indeed a demanding and tense year for students. It is your job to serve as a support system during this time, not add unneeded extra pressure.

    For parents of seniors:

    - Encourage

    Duplication - How to Create Massive Duplication in a Network Marketing Business
    “Duplication? What a pile of bull!"That has been my opinion for the last 3 years. I have been a fairly successful network marketer. I have averaged about $30,000 per month. The problem has been less than 5% duplication. The end result is I burnt out. I no longer felt like I should bring people into a losing venture. I could make money all day long because of my “energy” but no one else could.I spent the next 5 months researching people who were making above $2,000,000 per year in network marketing. Slowly I began to see a trend. They had the duplication. They did work less than me. They were happier. They all did the same four things.The first thing they did was make signup easy for people. The ads they were running were simple to follow and allowed an efficient transition to signup. People are easily distracted and if you give them a reason to bail, they will. Your explanation of benefits should be clear and concise. Your call to action must be decisive. SIGN UP NOW.The second thing they did was get money in people’s pockets ASAP. Remember Jerry Maquire. “SHOW ME THE MONEY” People require proof of their efforts immediately. Very few people will stay focused longer than a month without any tangible results. You must establish your trust and credibility . Once that is accomplished you can market to these people forever. You can gradually move them into more and more expensive products or programs. It is better to show somebody $10 in their first week then promise them $10,000 next month.The third thing ties in with the second. Every person I researched had a self funded proposal. This means that the leads actually paid for themselves. How does this work? You market an inexpensive product or service upfront. This can be an e-book, an inexpensive MLM, a conference. The options are endless. Once the person is in the door you teach them to market the same thing and give them a cut of the sale. Then you create a way to funnel these new customers into your primary business or product. You can use auto-responders or conference call or whatever you like. The whole point of the system is to sell people your primary product or service without paying for the lead. The lead is covered by the sale of the front end product. Once this system is set up you will have next to zero people quit. Why would anyone quit when they are marketing a business with no money out of pocket. A much higher percentage of people will st
    ou love, find out who will be reading applications from your area, and start an email dialogue with this reader. This is a good way to get your specific questions answered, as well as have your name heard by the person who will eventually be evaluating your application.

    - Set high but realistic grade goals for each semester. Colleges will look first and foremost at your academic record from 9th grade through the end of 11th grade. Therefore, your goal should be to end 11th grade as strong as possible. This is especially important if you started high school out on a shaky note – if you finish 11th grade on an upward grade trend, your lower grades in your freshman year will be more likely to be excused. Most colleges will only see the very beginning of your senior year’s performance in your courses by the time you apply, so your end-of-year grades during junior year must be reflective of your academic capabilities. College is about getting a higher education and admissions readers want to be sure that the students they admit can do the work at their school. Remember, grades always come first!

    For seniors:

    - Focus on all of your schools, not just your early choice. If you applied early, it can be tempting to “wait and see” before seriously working on your other college applications—however, since most early programs send out their decisions in mid-December and most regular applications are due in early January, putting off the other applications would be a mistake. Give yourself your winter vacation as a time to relax, not as a time to be frantically working on your college applications. Furthermore, keep researching all of the schools on your list. Take comfort in the fact that you put together your college list based on careful research—you would likely be equally happy and successful at any of the schools on your list. Continued research should help you get excited about multiple colleges, instead of just focusing on one. That way, once you receive your early application decision, you will be prepared for all options.

    - You are in charge of what you share. In other words, if your relatives nag you over where you are applying and whether you will be going to an Ivy League school, feel free to decide how much you want to share. If a particular extended family member or friend is adding to your stress rather than helping alleviate it, you might want to calmly and directly explain that you would rather not discuss it right now. Remember that if someone is giving you a hard time, it is likely a result of his/her own feelings and not about you. Surround yourself with people who will support you, and think about how your words might be affecting those around you as well.

    - Don’t forget that you are still in high school. Senior year, as you know, is often very stressful. Seniors are so busy planning and preparing for leaving home and going to college while at the same time still trying to enjoy their last year of high school. Don’t get so caught up in applying to college that you neglect high school—including your schoolwork. Stay motivated by using your last year of high school to get the most out of your classes, and to contribute more than you have in the past. Adding to class discussions, challenging yourself on papers and assignments, and managing your busy schedule are great practice for college, when you will most likely have harder classes and more freedom.

    - Be a leader. As a senior, you are automatically a leader in your school, whether or not you are captain of a sport or president of a club. Assume your leadership role with pride. Be a role model to younger students. Lead by example in the classroom, on the sports fields, and in your clubs and activities.

    - Remember that things do work out. It may be difficult to hear now, but whether or not you are admitted to your first choice school, things do work out in the end. Most students I have spoken to agree that they would have been happy and successful at many, many colleges. Success is based on the individual, not on the college he/she attends. College admission is not a statement about your worth as a person. This fact is important for everyone to keep in mind—even the person who is admitted to every school on the list. Celebrate your many accomplishments before you hear from your colleges.

    For parents of juniors:

    - Start planning trips around college visits. A helpful way for a parent to get involved in the college application process is by starting to plan college visits in advance, before the pressure is on during senior year. Longer trips can be planned during fall or winter break, whereas a quick trip should be planned for a day off of school. Ideally, a visit should be when school is in session, so the student can get a realistic idea of what it’s like to live and study in that particular community. Initiating discussion of college visits is also a great way to encourage your son or daughter to begin the college research process early. Remember, however, that your role is to plan the visits and provide support for your son or daughter throughout the duration of the visit; it is not to decide whether the school is a good match for your son or daughter. Of course, your opinion will likely matter to your son or daughter, it’s important that you stay at arm’s length – you are not applying to school.

    - Help your child understand the importance of junior year grades. Eleventh grade can be an extremely stressful and work-intensive year for students who are planning on applying to the top tier of colleges. In some cases, the overload can cause a backlash or a descent into indifference. It is then your role to help your son or daughter understand that 11th grade academic performance is basically the most important aspect of a college application, and this is the most inopportune time for a high school student to drop the ball in his or her coursework. While it is true that in terms of grades, college starts in 9th grade, there is a bit of room for error in the earlier years, as long as the student eventually demonstrates an upward grade trend. By the fall term of 11th grade, this upward trend has to have begun; it is then the student’s responsibility to reinforce these high grades throughout the rest of his or her high school career. It is therefore also crucial to end midterms on a strong note. You should check in with your son or daughter periodically to see how each individual class of theirs is going so you can pinpoint any particular problem areas early on. If they seem to be having problems in a certain area, encourage your son or daughter to talk to the teacher outside of the classroom on a biweekly basis. This not only will help your child understand the material, it will help him or her build an important relationship with a teacher who could vouch for him or her on a college application during the following year. It’s also a good idea to ask questions about their classes from an intellectual standpoint: Try and help your child connect the actual course material by engaging in dinnertime conversation about what he or she is studying. Play the role of student by having your child explain in detail what is being covered in their core classes. Still, if your son or daughter seems to be slipping grade-wise or seems increasingly disinterested in his or her schoolwork, you may want to start encouraging the college research process with a possible trip to a reach school or two. Seeing the school’s environment and realizing what the commitment it will take to get there will likely serve as a motivator more commanding than your reminders that schoolwork comes first.

    - Stay on top of your son or daughter’s standardized testing schedule. It is important to really keep on top of your kids about this: Are they signed up for the right standardized tests? Are they properly registered? It has unfortunately proven more than once that leaving minute details such as picking up registration forms up to the student is not always a foolproof plan. Also, ask to see the registration forms to make sure that your son or daughter’s name is spelled and recorded exactly the same way on each SAT form. If a student sits an SAT or a subject test on more than one occasion and his or her name is recorded differently in any way from one date to the other, not all scores will be grouped together. Even something as minor as the presence or absence of a hyphen in a compound last name can cause a separate record to be created for your child, so please be vigilant about spelling!

    - Finally, don’t stress yourself out, too! As we said earlier, 11th grade is indeed a demanding and tense year for students. It is your job to serve as a support system during this time, not add unneeded extra pressure.

    For parents of seniors:

    - Encourage

    How to be a Successful Real Estate Agent and Mortgage Broker
    My name is Rob Scribner. I am not a real estate agent, nor am I a mortgage broker. I am the owner of Northwest Custom Webs. I have built and maintained over 180 web sites for real estate and mortgage companies.I have met the most productive agents in Northwest and I know what makes them successful.Let’s start with web sites.The most productive sites out there are simple and sweet. A main page telling the viewer about you, and contact page, and most of all, your listings or services, Yes a resource page and a small write up about your area is okay, but trust me. 9 out of 10 viewers just go straight to your listings.If you do not have very many listing, then list some from other agents and help sell their homes and land. You still make money.Too many agents load their site up with garbage. Most folks only have a few minutes to view your site, so make your site easy to read and navigate, and keep your contact information in front of them at all times.Most agents spend all their time with looks and web toys, that they forget the most important thing about a website. Marketing!!You can have a poor site or a $10,000.00 site. Both are worthless if know one sees it. Put your effort and money in web marketing, not mortgage calculators and school listings.The next thing I have noticed successful agents do is.Work with Teams:Even with technology and email, nothing beats customer service. The most successful real estate agents and mortgage brokers create a homebuyers team. I have watch some of my clients go from a average sale person, to muti million dollar agents. The trick is a full service team to support customer viewing of homes, mortgage and office support.The last secret to real estate success is seminars.I have a agent I support that has learned the secret to real estate success and finally put in on CD’s and created a process to run successful seminars for home buyers.They have mastered the real estate market with good websites, team concepts and homebuyers seminars.So remember, simple website, good marketing. Team concept for good customer service and full service, and homebuyers seminars. Bring the buyers to you.Rob Scribner http://www.realestate-success-seminar.comhttp://www.submissionweb.comhttp://www.houseonlinefind.comhttp://www.mortgageonlinefind.com
    y their last year of high school. Don’t get so caught up in applying to college that you neglect high school—including your schoolwork. Stay motivated by using your last year of high school to get the most out of your classes, and to contribute more than you have in the past. Adding to class discussions, challenging yourself on papers and assignments, and managing your busy schedule are great practice for college, when you will most likely have harder classes and more freedom.

    - Be a leader. As a senior, you are automatically a leader in your school, whether or not you are captain of a sport or president of a club. Assume your leadership role with pride. Be a role model to younger students. Lead by example in the classroom, on the sports fields, and in your clubs and activities.

    - Remember that things do work out. It may be difficult to hear now, but whether or not you are admitted to your first choice school, things do work out in the end. Most students I have spoken to agree that they would have been happy and successful at many, many colleges. Success is based on the individual, not on the college he/she attends. College admission is not a statement about your worth as a person. This fact is important for everyone to keep in mind—even the person who is admitted to every school on the list. Celebrate your many accomplishments before you hear from your colleges.

    For parents of juniors:

    - Start planning trips around college visits. A helpful way for a parent to get involved in the college application process is by starting to plan college visits in advance, before the pressure is on during senior year. Longer trips can be planned during fall or winter break, whereas a quick trip should be planned for a day off of school. Ideally, a visit should be when school is in session, so the student can get a realistic idea of what it’s like to live and study in that particular community. Initiating discussion of college visits is also a great way to encourage your son or daughter to begin the college research process early. Remember, however, that your role is to plan the visits and provide support for your son or daughter throughout the duration of the visit; it is not to decide whether the school is a good match for your son or daughter. Of course, your opinion will likely matter to your son or daughter, it’s important that you stay at arm’s length – you are not applying to school.

    - Help your child understand the importance of junior year grades. Eleventh grade can be an extremely stressful and work-intensive year for students who are planning on applying to the top tier of colleges. In some cases, the overload can cause a backlash or a descent into indifference. It is then your role to help your son or daughter understand that 11th grade academic performance is basically the most important aspect of a college application, and this is the most inopportune time for a high school student to drop the ball in his or her coursework. While it is true that in terms of grades, college starts in 9th grade, there is a bit of room for error in the earlier years, as long as the student eventually demonstrates an upward grade trend. By the fall term of 11th grade, this upward trend has to have begun; it is then the student’s responsibility to reinforce these high grades throughout the rest of his or her high school career. It is therefore also crucial to end midterms on a strong note. You should check in with your son or daughter periodically to see how each individual class of theirs is going so you can pinpoint any particular problem areas early on. If they seem to be having problems in a certain area, encourage your son or daughter to talk to the teacher outside of the classroom on a biweekly basis. This not only will help your child understand the material, it will help him or her build an important relationship with a teacher who could vouch for him or her on a college application during the following year. It’s also a good idea to ask questions about their classes from an intellectual standpoint: Try and help your child connect the actual course material by engaging in dinnertime conversation about what he or she is studying. Play the role of student by having your child explain in detail what is being covered in their core classes. Still, if your son or daughter seems to be slipping grade-wise or seems increasingly disinterested in his or her schoolwork, you may want to start encouraging the college research process with a possible trip to a reach school or two. Seeing the school’s environment and realizing what the commitment it will take to get there will likely serve as a motivator more commanding than your reminders that schoolwork comes first.

    - Stay on top of your son or daughter’s standardized testing schedule. It is important to really keep on top of your kids about this: Are they signed up for the right standardized tests? Are they properly registered? It has unfortunately proven more than once that leaving minute details such as picking up registration forms up to the student is not always a foolproof plan. Also, ask to see the registration forms to make sure that your son or daughter’s name is spelled and recorded exactly the same way on each SAT form. If a student sits an SAT or a subject test on more than one occasion and his or her name is recorded differently in any way from one date to the other, not all scores will be grouped together. Even something as minor as the presence or absence of a hyphen in a compound last name can cause a separate record to be created for your child, so please be vigilant about spelling!

    - Finally, don’t stress yourself out, too! As we said earlier, 11th grade is indeed a demanding and tense year for students. It is your job to serve as a support system during this time, not add unneeded extra pressure.

    For parents of seniors:

    - Encourage

    Affiliate Marketing - A Little TLC Goes a Long Way
    What is one thing that separates the leading affiliate marketers from the rest?They show TLC – tender loving care – towards their downline members.This may sound very “touchy-feely”, but TLC is a real business imperative. If you ignore the intellectual, financial or emotional needs of your affiliate downline, you do so at your own cost.TLC means using accessible language – writing in a way that others can understand. This requires you to break down complex concepts and processes and describe them in simple terms so that the average person-on-the-Net can understand them. If you use Internet Marketing jargon, you need to explain the terms you use – not assume everyone understands them.TLC involves making yourself accessible to your affiliate downline members by phone, email, chat rooms, instant messenger, teleclasses and/or teleconferences.TLC is visible when you promote collaborative learning and sharing through your affiliate forum and when you model appropriate behaviour such as genuinely welcoming new comers to the affiliate program.TLC is recognisable when you are generous in sharing what works for you, what you have found helpful and the mistakes you have made.TLC is encouraging and supportive. It is reflected when you express understanding of the emotional and financial needs of your downline members through comments such as:* “You might have difficulty writing articles, so here is some hints on where to start…”* “You might not have the money for Overture or other Pay per Click options, but have you tried these free classified ad sites?”* “You may not have your own website yet, but you could easily create a blog in the meantime…”TLC is responsive - prompt replies and assistance communicate understanding and valuing others. Requests for information and assistance frequently come from affiliates who are “at a loss”, frustrated or feeling helpless. If you can respond quickly to their request for help, you will redress their emotional state and, at the same time, create increased positive regard for yourself.TLC shines through when you show something of yourself - your own humanity and vulnerability. Affiliates need to appreciate that you too are only human, that you make mistakes and wrong decisions. They also need to
    rop the ball in his or her coursework. While it is true that in terms of grades, college starts in 9th grade, there is a bit of room for error in the earlier years, as long as the student eventually demonstrates an upward grade trend. By the fall term of 11th grade, this upward trend has to have begun; it is then the student’s responsibility to reinforce these high grades throughout the rest of his or her high school career. It is therefore also crucial to end midterms on a strong note. You should check in with your son or daughter periodically to see how each individual class of theirs is going so you can pinpoint any particular problem areas early on. If they seem to be having problems in a certain area, encourage your son or daughter to talk to the teacher outside of the classroom on a biweekly basis. This not only will help your child understand the material, it will help him or her build an important relationship with a teacher who could vouch for him or her on a college application during the following year. It’s also a good idea to ask questions about their classes from an intellectual standpoint: Try and help your child connect the actual course material by engaging in dinnertime conversation about what he or she is studying. Play the role of student by having your child explain in detail what is being covered in their core classes. Still, if your son or daughter seems to be slipping grade-wise or seems increasingly disinterested in his or her schoolwork, you may want to start encouraging the college research process with a possible trip to a reach school or two. Seeing the school’s environment and realizing what the commitment it will take to get there will likely serve as a motivator more commanding than your reminders that schoolwork comes first.

    - Stay on top of your son or daughter’s standardized testing schedule. It is important to really keep on top of your kids about this: Are they signed up for the right standardized tests? Are they properly registered? It has unfortunately proven more than once that leaving minute details such as picking up registration forms up to the student is not always a foolproof plan. Also, ask to see the registration forms to make sure that your son or daughter’s name is spelled and recorded exactly the same way on each SAT form. If a student sits an SAT or a subject test on more than one occasion and his or her name is recorded differently in any way from one date to the other, not all scores will be grouped together. Even something as minor as the presence or absence of a hyphen in a compound last name can cause a separate record to be created for your child, so please be vigilant about spelling!

    - Finally, don’t stress yourself out, too! As we said earlier, 11th grade is indeed a demanding and tense year for students. It is your job to serve as a support system during this time, not add unneeded extra pressure.

    For parents of seniors:

    - Encourage your son or daughter not to lose steam in school. Probably the most important thing you can do for your senior right now is to help them avoid the infamous senioritis like the plague. Especially now that early-round applications have likely been submitted, the temptation to extend much-needed relaxation into slacking off is looming strong. You can help by providing continual reminders that senior year does count and can in fact be the deciding factor of acceptance if he or she is deferred or waitlisted. If he or she needs more help internalizing this fact, you might want to have your child give his or her IvyWise counselor a call!

    - Help set up mock interviews for your son or daughter. Many schools require or recommend an interview to accompany students’ written applications, and for many students, this can seem somewhat daunting. Naturally, practicing will help! Try arranging a mock interview with another adult – perhaps a friend of yours t whom your son or daughter is not too close – to mimic the experience a bit more accurately. Also, if your student is signed up for an IvyWise package, have them consult his or her manual and thoroughly review the sample questions provided in the interview section.

    - Don’t place too much emphasis on your child’s early school. Now that early applications are in, there is little else a student can do but wait for his or her first-choice school’s decision. Do your best to avoid closing the college discussion to other schools by saying, “Well, if Penn [replace Penn with Harvard, Princeton Brown, etc.] accepts you, none of this will be relevant, but you should start working on your NYU application just in case.” Although you are not technically eliminating other schools from the mix, it can definitely be too much for a student to handle if his or parents consistently bring up the outside chance that he or she will be accepted at his or her dream school, which for many students is a very high reach. Now that year-end grades and test scores are in place, this point in the year is a great time for you to schedule a meeting with the college counselor at school, where you can go over your child’s college list and get the school counselor’s perspective on the likelihood of your child being admitted to each school on the list. Make sure the list is complete with all reach levels (high reach, target, and true safety schools) – it’s time for a reality check! In some cases this may mean redefining a list somewhat, but it’s certainly better to do that now than after the fact. In brief, it’s important at this time for you to keep the conversation open to the idea that there are many choices, and if your child is not accepted early, it is not the end of the world and can be a blessing in disguise. After all, you are the parent and your job is to make your child appreciate his or her successes, of which there are certainly are many!

    - Applying to college is not a “we” process. The college application process can be very scary for parents: The child you raised is growing up and leaving the nest. Where they go after leaving said nest, however, should not ultimately be up to you. The decision-making process belongs to the student. Please try and keep the “we” out of it as much as possible. You can and should be your child’s biggest cheerleader, but allowing your son or daughter to take ownership of what is likely his or her most major life decision is essential. Furthermore, if the applicant is eventually deferred, waitlisted, or rejected, do not try and assume the blame by making it a mutual rejection (“’We’ were rejected from Notre Dame” is not going to soften the blow for your son or daughter.). As most applicants ultimately understand, acceptances to colleges are based on a complex interaction of factors, and no one should consider it a personal failure if the ideal end result does not materialize. It is the parent’s responsibility to help the student understand this – not to appropriate the rejection as a sign of your own shortcomings. Your objective, adult point of view is a crucial element to your son or daughter’s comprehension of this situation, so please do your best to keep an impartial attitude toward the end result (al the while, of course, while reminding your child that he or she will always be loved and that he or she is indeed successful).

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