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How To Make A Tutorial Video in 2021



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Do you want to make video tutorials on your pc that are didactic, fluid and above all useful? Whether for your online course or YouTube tutorial, here we will see step by step how to do it.

In this article, we will see the steps to create a video tutorial with your PC. Since there are many types of tutorials, I will be the most useful possible but at the same time concrete enough for you to finish reading this guide ready to start.

In summary, to make a tutorial, you must first research the topic, anticipate the tools to use, prepare for recording and editing, and finally export the video.

STEP 1. Research the topic even if you know it

When we do a tutorial, giving a final review of our topic, we can get things that we have not considered, such as an update, new tools that exist or something that we do not have in mind done.

STEP 2. Anticipate the tools you will need and get them.

There are few things as frustrating as being about to record and realizing that your microphone is not working, that the screen recorder has only medium quality, or some other obstacle, wasting valuable time.

Here is a list of the tools that you will most likely need.

Screen recorder (if the tutorial needs your audience to see your pc screen), for example, a tutorial on the use of some software.

Video maker and editor. You will need to cut or paste audio, include texts or intros etc. I usually use FlexClip, as it is inexpensive and very professional with a screen recorder built-in.

Audio editor. Sometimes when it is not advisable to record the audio directly to the video editor, it is better to use a separate program specialized in audio to be able to remove annoying noises, echoes, cut, equalize etc. (a free one is Audacity)

Microphone: Get a microphone that has good audio quality. Although I use the Blue Yeti, which is one of the most used, it is somewhat expensive. There are inexpensive options such as the Audioteknica with good quality.

Camera (Optional): If the tutorial involves filming (for example, a cooking recipe, learning to repair something), consider the quality of the camera you will need, if you do not have the resources to make one and your phone has one acceptable camera, you can use it, in this article I tell you how to give a professional look to your filming with your cell phone.


STEP 3. Prepare for editing and recording.

This is where a tutorial differs from a class or course. In the latter, you have to first make an outline so that the video has the topics ordered as well as a script.

Not in a tutorial, I prefer to do this process later because you will show your audience STEP BY STEP how to reach a result, so you should always start with filming or screen recording as the case may be and then explain how you got to the narrating your actions.

For the above, it is important to do a mini test tutorial in order to anticipate any possible complication or damage, anything that may be missing or that we have lost sight of. These are the tips that I like to follow:

Placement of equipment and tools.

If I am going to film, I put the camera in position and connect the microphone (if I record the audio at the same time, I do the maneuvers). I check the lighting, that all the materials are in and that I have enough space to move and move all the tools that they are going to be used without leaving the take and without losing audio.

If I’m going to do a screencast (i.e., PC screen recording ), I make sure the recorder has the image quality settings I require.

I recommend 30 frames per second, in the highest quality that the program has unless you require details in slow motion. In that case, you can use a greater number of frames.

Go correcting small display details in what you do the test. Is it better to put the microphone to the left or right? Where is there less echo? Is my hand obstructing the visibility of an important detail? Can you see an important piece on camera? Is there a distractor?

Start recording as if you were doing the definitive tutorial

Make the test recording of the tutorial, this is the moment when you will see your weak points, and you will know what to correct.

View preliminary test results

Validate that the recording and filming have been done in the format you were looking for, that your video and audio editor supports it.

If you hear background noise or echo, see if you can eliminate it with the program, or you will have to do acoustic treatment in your studio.

Do a test edit. It doesn’t have to be perfect, just to prove that you won’t need to do an extra editing procedure (like having to get images or effects that your editor doesn’t have)

Make an outline/script if you will be speaking while making your video.

If you already have an idea of more or less the workflow in the tutorial, how you are going to move, which parts you are going to accentuate when giving the explanation while recording or filming, make a note sheet and try to memorize the important parts, this It is because you are not going to memorize it, since it is very difficult for you to read continuously while filming or recording.

STEP 4: Record or Film the tutorial

As you will notice, I only dedicate one paragraph to filming / recording the tutorial. This is because the test is actually more laborious. At this stage, you will follow the same workflow as the previous step but already recording definitively.

I can only tell you that in this step, don’t worry too much if you make a mistake and have to repeat it. It doesn’t have to be perfect. It just has to be useful. The tutorial that brings the most visits to my page is the one that I consider the worst of my videos, I stutter a lot and get stuck more, it is longer than I should have done it and still has good acceptance because it is useful and I give the result that I promise to give In fact, this one here

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STEP 5. Make the video and audio edits (if you explained while recording)

This step implies as a preliminary measure that you made sure that everything was recorded, that there are no areas where you cannot hear yourself or what you were doing and that you have selected the parts that you are going to use. (Make annotations of the seconds or minutes of video that you are going to delete.)

What your audience is looking for is to solve a problem, and it is best from the beginning to teach them what the result will be if they continue to watch, if it is not what they were looking for, then they will leave, but you will not have wasted too much valuable time.

If you observe in this tutorial where I teach how to make an effect with the Filmora video editor, I start with the effect that they will achieve if they continue watching the tutorial and following the instructions, only until they have seen what they will achieve, I give a small intro with the call to action that lasts a few seconds and without wasting time we see the tutorial.

Put your brand or your call to action until you have the attention of your audience.

Since your audience knows what they are going to achieve and has decided to watch your video to learn, then you make your brand known in a small space. After a few seconds, they will prefer to advance to the video, so everything says it very concisely.

Make your video as short as possible

A mistake that I have made a lot is to make the video too long. This is something that is very tiring, especially if it is not justified. For example, one of my videos lasts half an hour, and although it is my most watched video, I feel that it would have been better if I had done it for a maximum of 15 minutes, that’s why the last one you saw lasts no more than 5 minutes. We learn from mistakes.

Unless they are very complex topics that require more time, keep it as short as possible, eliminate unnecessary spaces, there are steps that may be implicit in a later one. Increase the speed if you see that everything moves very slowly (that’s why I prefer to record the voice later if I have to increase the speed, I don’t have to re-edit the audio)

Why did I put this step almost to the last? This is a personal opinion, but I consider it easier to narrate on the clips already cut and ordered in your video editor. That way, you can modify your audio, your phrases as many times as you want. Freeze some clips to add an explanation that you have not considered.

STEP 5: Export the video

Since you have finished editing your video in the program, it is time to export it and convert it to a multimedia file. Personally, I like the MP4 for YouTube in the best possible quality.


If you are going to use the video for your YouTube channel or online business,monetize it.

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Mahesh is leading digital marketing initiatives at RecentlyHeard, a NewsFeed platform that covers news from all sectors. He develops, manages, and executes digital strategies to increase online visibility, better reach target audiences, and create engaging experience across channels. With 7+ years of experience, He is skilled in search engine optimization, content marketing, social media marketing, and advertising, and analytics.

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MLM Survival Guide-Tips, Tricks & Traps Revealed




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The purpose of this guide is to provide a step-by-step procedure for starting, operating and optimizing a MLM based business, and to do this without making serous mistakes along the way. There are volumes of books on this subject, so this guide will not attempt to “rehash” the “rose colored” views of these authors. Instead, this guide will show you a “lean, mean, cut-to-the-bone” quick and easy way to succeed in your business based upon the MLM MACHINE program. Also, you will be shown tips to use, tricks to be aware of, and traps to avoid. Why Most People Fail In MLM MLM is an explosive growth opportunity and it is here to stay. Like it or not! Let’s review some MLM facts. There appears to be thousands of MLM companies. Some of these MLM companies are well established multi million dollar companies, while most of them are not. Many people have become wealthy in MLM, but some of the would be MLM’ers never make it! Therefore, before we go blindly into MLM, let’s analyze why some of the would-be MLM’ers don’t survive. Let’s bread down the problem in three categories. 1. MLM’er can’t EFFECTIVELY recruit new members. 2. MLM’er can’t keep his program going. It runs out of gas and dies a natural death. 3. MLM Company has serious problems. I believe that sums it up. Either the MLM’er can’t get his program started, can’t keep it going, or the MLM company itself goes “belly up.” Why New MLM’er Can’t Effectively Recruit New Members? 1. The MLM Paradox According to Webster, the word “paradox” means, “something with seemingly contradictory qualities or phases.” In MLM, there is a paradox that causes major confusion that must be understood and dealt with. Here is the problem. MLM companies by law cannot aggressively “push” the MLM opportunity as the main reason for joining their program. They must emphasize their products and services and explain the MLM opportunity as only a nice extra benefit. If they don’t, all kinds of local, state and federal government officials will attack them. Therefore, they must be extremely careful about what their literature, advertising and promotional material states, what they say in meetings, etc. That is why we normally don’t mention the MLM company name when we use examples in these reports. We do this just to avoid this kind of problem. All MLM’ers are aware of the MLM “paradox” problem. Look, everyone knows, including the MLM companies and all the distributors, that the real reason that most people get involved with MLM is for the opportunity! Yet, the MLM literature and the MLM distributor cannot tell you this directly without crossing over the fine line of being illegal. In other words, it is illegal to promote a MLM company if the sole purpose is to earn profits by signing up new distributors with no regard to the usefulness of the product or service. Where does this leave the new MLM distributor? Well, no one is officially allowed to tell him how to go out and aggressively recruit new members! Instead, he is always taught how to “promote” the product and then “as an after thought” explain the opportunity! All up standing MLM companies will follow this procedure. TIP: Keep your lead generating methods separate from your MLM promotions. In other words, it is perfectly legal to promote an opportunity any way you want to as long as you don’t tie this directly with a MLM company. That means that you can write your own advertisements, etc. and generate all kinds of leads. But when it comes time to discuss a particular MLM company, then us the official MLM literature, guidelines, etc. when presenting that particular company, products, and opportunities. In that way, you are making a clear distinction between “lead generating” and promoting a particular “MLM company opportunity.”

2. MLM Concepts Are Way Too Complicated Whey most people are first exposed to their first MLM opportunity, they are over powered by the complexity and newness of MLM concepts and terms. They are confused with all those new terms such as “Network, Downline, Upline, Organization, Levels, etc.” Then there is the specific MLM plan that is being presented that is always anything but simple. There is too much to absorb quickly. Then there is much suspicion. Is this a pyramid scheme? Is it legal? They have probably never heard of the MLM company that adds to the problem. They find it hard to believe that they can really make the kind of money being discussed. They probably suspect the MLM distributor. And on and on. Right? So what happens? In most cases, nothing! They simply don’t sign up.

3. Potential MLM Member Can’t Decide Which MLM Company To Join

Put yourself in his shoes. If he has been investigating MLM companies, he is sure to be confused with all those offers and different companies. If he can’t decide, he just doesn’t sign up with any MLM company! Does He?

TIP: There are literally thousands and thousands of MLM distributors who will jump at the chance to tell you which companies you should get into and promote. If you want more “advice” there are many books written by the “experts.” Understand one thing, every book and magazine article that you read and everyone that you talk to will almost assuredly have a “vested interest.” In other words, they are either openly or subtlety trying to get you to sign up in their program. They will be quick to explain that there are “golden rules” and guidelines to follow. Some will tell you to stay away from “grown floor” opportunities since they are too risky. Others, will explain that this is where the big money is. Some will explain why matrix MLM programs are better than others – and visa versa. Some will adamantly advise you to be active in only one MLM company – “be loyal” is their motto. Others, try to sign you up in multiple companies. Still others have put together “Downline Building Teams,” and will invite you to join them. They do all the work (You simply send to them money). With all this “good” advise, what is correct? I have noticed one thing about all these “good” advice sources. They never seem to ask me what my goals are. What is it that I want? How in the world can someone give another person advice before he understands that the objectives are? What is it that you really want? When? How much can you afford to spend? How much risk are you willing to take? What MLM programs and products do you like? Before we even think about selecting a MLM company, let’s review the real world about MLM companies and opportunities. Most new MLM companies never make it through their 2nd year. This is because they are not properly financed, don’t really have a good offering, or the federal (Fed’s ) government shuts them down! The reason that the Fed’s shut down some of these companies is that there is a lot of unscrupulous people in MLM, mailorder and in fact, all kinds of business. MLM is no different from other companies that frankly have about the same survival length. New companies in any business, MLM or not, have a tough time getting through the first few years. The people that promote MLM companies never seem to get around to explaining the real facts to you. But you need to understand the dark side as well as the “rose colored glasses view.” Sound scary? Well, it you were to invest $5,000 to $25,000 like some MLM companies would like you to do, yes it would be scary. The correct word is probably “foolish.” Now let’s take these facts and see if there is really a low risk, high potential waiting for you. So, back to the question, “How do You Select the Right MLM Company?” This is like asking, “What Stock should I buy?” Brokers, advisement firms, and the like will be quick to make their advice. Wouldn’t they? And why not – they all earn a fat commission or other fees. do you think any of them really cares about you? And if they really believed in their own “advice”, why don’t they mortgage their homes and buy in themselves? The fact is, “No one knows!” And that is true with MLM companies and buying stocks! A standard solution does exit however: diversify! Spread your investment around! Why put all your eggs into one basket? 1. Select your MLM programs from the “Highly Recommended” listing from reliable sources 2. Enroll into at least 2 or 3 MLM programs. There is no guarantee that any MLM program will survive, so let’s not be naive about this. Safety is in numbers! They all won’t go sour . . . at least at the same time. And in the mean time, you should be making money with the one or two companies that you’re in. 3. Build your one core MLM company that is at least five years old and is the best one that you can find. Write for literature on our #1 ranking program. Consider our #2, #3, #4 and #5 “Highly Recommended” for diversification. Since some of these can be promoted easier and faster, you may want to vigorously promote these programs while you are building your slower, but stronger #1 program. 4. Get into MLM companies that you have total confidence in. There is nothing quite as frustrating as trying to promote a product or a company that you don’t really believe in. Stick with the winners with a few years of success behind them! 5. Make sure that the MLM company(s) that you select have inexpensive literature that you can send by mail in a cost effective manner. This just makes good mailorder sense! TRAP: Don’t be a “MLM junkie” without a plan. Human nature is to entice you into many different exciting ” ground floor” MLM opportunities. These can be fine, but you will lose your shirt if you don’t have a coherent plan that makes sense. work this program and its offering to the fullest before you take off in other directions. Here are a few problems some new MLMers have: 1. No Upline Support Once a person joins a new MLM program, he is vulnerable and needs a lot of help from something or someone. In many cases, his upline is not actively helping him for whatever reason. This happens a lot when the upline person is simply sponsoring as many people as he can with no regard to what happens to them after they get sponsored. In most standard MLM programs, it is important that the new person gets immediate assistance from a local person, meetings or what have you. Otherwise his chances for survival are slim to none. 2. New MLM’er Can’t Sell This is probably the major reason most people don’t make it MLM. By using standard MLM techniques, you have “just got to” sell and learn how to speak at opportunity meetings and the like. 3. MLM’er Cannot Generate Good Leads Next to the selling problem, this has to be the next biggest reason most people fail in MLM. Let me paint you a picture of what normally happens. The new person has just signed up in an exciting MLM program. He is taught by the manuals, meetings and so forth, how he should “share” his product with his friends, neighbors and relatives. Normally, he is not comfortable with this, and if he is typical, he will have many sleepless, tossing and turning nights! He just doesn’t want to “impose” on his friends! He would feel a lot more comfortable just presenting his opportunity to strangers. But to whom? Unless his upline sponsor can get to him immediately, this guy is sure to be a fatality! 4. There Is No True Duplicative System If the MLM company must be promoted through expensive methods, this is not feasible. Also, if you must learn how to sell, or to speak and conduct an opportunity meeting – friend, this is just not duplicative. It just isn’t! Only a few people can do this. Here again, is a very important reason a lot of would be MLM’ers die on the vine. TRICK: Follow up with your first level of people. You can do this by letter or phone. If you have signed up someone that is not active, replace him with someone new, but keep all your first level people active. 5. MLM’er Sells By Mail Using Standard MLM Techniques Traditional way to promote MLM is to sit down fact to face, spend all spare time to call around and travel around to get prospects. A lot of people already have full time job, it is hard to find extra time to travel and make phone calls. MLM’er Can’t Keep His Program Going Strong 6. MLM’er Not “Sure” About His MLM Company Or Service Often a person will “sign up” in a MLM program in a “fit of excitement.” After the dust clears, he comes down to earth and reality slowly sets in. He then starts having doubts about the company, the product or service and his own ability to promote it. If he has enrolled in a program that is not well established, he may have some well founded fears. If the company is not at least two years old, things can get very shaky very quickly. The slightest amount of financial problems or bad press can crater this company over night. Therefore, it is of utmost importance for the new MLM’er to align himself with a solid company with unquestionable products and services! TIP: Pick an established, financially sound MLM company that is at least two years old with unquestionable products or services. That way, you can feel good about the company and products that you are promoting. There is nothing quite like being able to “tell the complete truth” to your prospective customers. TRICK: Don’t select a MLM just because you are “in love” with the product. Put your emphasis on the business, the money making potential. 7. New MLM’er Doesn’t Stick With It Long Enough TIP: Starting any company takes time, and this is true with MLM as well. By the time you study the program, write and receive literature: study this and sign up; get the literature; etc. – it takes time! And then you have to generate your leads and so on. Also, there is a lead time before you get your first check. And then your organization has to take time to grow. And on and on. The point is, it will take several months before you can expect much of anything to start to happen. You should set in your mind that you are going to stick with this for at least one year! That just makes good business sense. TRICK: Use some other promotions to earn money during the interim time. That way, you are earning extra profits and generating a lot of surplus leads to help your downline. TRAP: Don’t spend all your initial promotional money on one thing and all at once. Do a little testing. Spread it out and find out what works best for you. If you “blow it” all in one big shot, and it doesn’t work, then what? MLM COMPANY IN SERIOUS TROUBLE Your MLM Company Gets into Serious Trouble Here is something that can happen, so you had better be prepared for it. As I have mentioned before, there are some excellent MLM companies, and some not so good. But any company can get into serious trouble, and a lot of MLM companies certainly do. they can get into financial problems, or get bad “press,” management problems, etc. Anything can happen, and if you are one of the unlucky ones to be promoting this company, you could quickly become another MLM fatality. Particularly if you are promoting only this one MLM company. TIP: Diversify. Look, we both know that MLM offers many wonderful opportunities. We also know that this is a volatile industry. That doesn’t mean we should not participate. If you had to invest several thousand dollars in one MLM company, then I would be worried. But that is not the case here. You can partake in several MLM companies for less than $200 a month, and still enjoy the benefits. Can’t you? Let’s face it. Although the companies that are listed “Highly Recommended” in the our site are excellent, solid companies, they may not be perfect. In fact, some may go “belly up.” But not all at once! Worst case, you will be in a MLM company at least a few months or years before they get into trouble. Now tell me you won’t have made a profit even with that company! TRICK: Sponsor your first level quickly. That way, your income will more than cover your costs. With the Internet’s help, this can be done with just a little extra effort. Then show your first level how to do the same. That way, you earn profits quickly and stay ahead of the game. TRAP: Don’t be a MLM “junkie” without a plan. diversifying with a good coherent plan is one thing, but just buying into a lot of MLM companies is a “no-no.” But yet, did you know that there are many people that buy into dozens of MLM programs without promoting any of them? * MORE How To Build A Secure Income TIP: When you can afford it, buy into more MLM programs. Re-invest some of your profits and round out your MLM companies to at least three. Start promoting MLM programs so you can recruit members into your new MLM programs. When you do this, you will generate surplus leads for your original MLM programs. At this point, you can either feed these leads to your existing downline, or start to build a second organization. TRICK: Consider forming a co-op advertising group made up of your downline. You can advertise locally or nationally. You simply put the advertising package together, and your downline pays you so much for a block of this advertising. That way, they get tons of leads, and your downline builds automatically. TRAP: Don’t forget the method that you used to succeed. After you become successful, you will want to work closer with the individual MLM companies that you are promoting. All these companies have “grand” ways that they want you to use and teach. Beware! Stick to the system that worked for you. With Internet’s help, you can do a lot of research before you jump to anynetwork marketing company. Plus, you can use Internet to recruit new prospects at low cost with search engine’s help.

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Secure Your Finances With Three Simple Actions




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Millions of people do not understand how important it is to be financially stable. Financial stability does not necessarily refer to having a well paying job and a lot of money. In order to be secure, one has to know how to handle their monetary resources. You need to be able to determine how you will spend, save and invest your money. This will make sure that you are financially secure.

How to use your money

There are simple tricks you can apply to your life to ensure you are utilizing your money well. The three main elements are to make sure you can;

· Spend

· Save

· Invest

When you get your salary or profits from your business ventures, you must be willing to pay attention to all these three areas. The secrets to maintaining a constant structure that will ensure you are financially stable is by following the pointers below.

1. Budget

Always budget whenever you get your money. Be logical when you do so. Write down all your expenses and needs. When you budget, always indicate payments you have to make to insurance companies or loan payments if they are not part of your net pay. Once you have a clear picture of how much you are spending, you can now know how much to save.

2. Saving

Choose a savings account that will generate more funds for you. You may need to do some research before you settle for one. If you have dependents, you may want to put money aside for their needs as well such as tuition savings. Allocate your savings according to your needs.

3. Invest

Investing ensures that your future is secure. Once you have done your savings and budgeted well, make sure you take a leap of faith and invest your money in other ways. For instance, you can put some money into company shares.

For the sake of your family, you can also apply for insurance. Life insurance is the best since it covers both you and your loved ones. There are many options available for such insurance covers like new policies that offer life insurance without medical.

With these three factors in place, you can begin to take charge of your finances. In the event that you have extra money to spare, hiring a financial manager will ensure you keep track of all your expenditures. Be sure to prioritize in the first stages so that you meet your goals and live within your means.

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5 Simple Steps To Earn Money From Internet As An Affiliate Marketer




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The online industry is growing every passing day. The proof is – there are many options to earn money from internet. Affiliate marketing is one of them and it is currently selling like a hot cake! There are two possible reasons behind its immense popularity and demand. Firstly, the process involved is very simple and easy to follow. Secondly, it commands a very little investment and offers a steady source of income.

When it comes to the process involved, it comprises of three things – seller, middle man and customer. The internet marketer basically plays the role of the middleman. The marketer promotes products of the seller and earns a certain amount of commission every time a customer purchase’s the said product.

Remember – as an affiliate, you are expected to generate sales through different promotional tools. Therefore, you are expected to take appropriate measures which in turn can enhance your earnings. Following are the 4 simple steps that can help you in this regard.

Choose Your Niche Wisely: Make sure to choose the niche/topic that you are passionate about. It will help you in your work if you select a particular area that interests you. If needed, you may take help of search engines or online forums. It helps in identifying products or services that are in great demand now. Whatever niche you choose, always stick to it. It is advisable that you don’t jump from one niche/topic to another. For, it has chances of destroying the trust of your customers.

Select Products With A Thorough Investigation

As a part of investigation, try to judge the marketability and profitability of the products you choose. Fortunately, there are several affiliate marketing networks such as Commission Junction that is very helpful. These websites have a marketplace wherein you can find innumerable number of products. The best part – registration to these sites is absolutely free of cost. On completion of registration, you are provided with an affiliate ID and a special affiliate link. Every time a customer clicks the link and buys a product, your account gets credited with the commission.

Make A Blog or Website To Reach Your Audience

Having a blog or website of your own allows you to reach your target audiences in quick time. In addition, it permits you to place your affiliate links according to your convenience. Instead of registering with free web hosting service provider, it is better to opt for reputable companies like Host Monster or GoDaddy. This way, your objective to earn money from internet becomes smoother and easy.

Create Quality Content: Your website or blog may contain the slickest web features. However, it has no relevance when it comes to driving traffic. Instead, it will all depend on quality of content you provide. In order to attract customers and convert the clicks into sales, it is very important you keep all promotional matter very alluring. If time does not permit you to write such content, you may get it written by someone else.

Drive Quality Traffic To Your Blog or Website: If you wish to earn money from internet with affiliate marketing, you need to drive website traffic. For this purpose, you may utilize suitable methods like E-mail marketing, Classified Ads, Paid Advertisement and Article marketing. This is very important when you choose programs like Amazon Affiliate Marketing. More traffic means more visitors, more sales and more commission!

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Horse Tricks 101 – Some Tricks You Should NOT Teach Your Horse




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Think carefully about which tricks you want to teach your horse. There are some tricks that can be quite dangerous if not performed in a safe area by an experienced person, for example rearing or lying down.

The last thing you want to happen is to be out riding and your horse decides to perform his newest trick – lying down with you and your saddle on board!

Rearing is a trick that requires strength, calmness and excellent balance from your horse. Your horse could do enormous damage to himself if he doesn’t get it right and flips over backward.

Horses will sometimes, particularly in the early stages of training, do tricks without being asked. This is partly because they are keen to get a treat and haven’t yet learnt that they ONLY get a reward when ASKED to do a trick and not for doing a trick when they feel like it.

Another reason I believe horses like to do new tricks is because they are natural performers – they like to show off. My horse, Trigger, will usually perform a new trick as soon as he sees me, as if to say “Hey, look what I can do!”

Also consider if children will be riding or handling the horse. A trick such as counting with their front foot could knock a child flying. Or a child might mistakenly give a horse a cue to rear.

If there is a chance you might sell your horse at any stage think about how his tricks might be viewed by future owners. I believe that simple, well done tricks actually add to the value and appeal of a horse, but some tricks might be misunderstood by some people.

I remember reading an old book that talked about teaching a horse to pull a mean face, as if they were about to attack you. Imagine if you sold this horse to someone, who then sold the horse to someone else that didn’t understand that this horrible face was actually just a trick. They would most likely reprimand the horse, which would cause the horse to become very confused.

Even worse, if you teach your horse to rear and a future owner accidentally gives him the cue to rear then this horse would quickly get a reputation as a difficult or dangerous horse, when all they were trying to do was perform a trick.

I find some of the safer tricks are kiss, hug, yes, no, pick things up, fetch..

But remember you need to teach your horse that they ONLY get a reward when they perform a trick when they are ASKED. This will discourage them from doing a trick unless given a cue first.

So think carefully about which tricks you want to teach your horse and who might be around your horse. There are lots of fun, safe tricks that your horse can learn that will be enjoyable for you both and won’t cause your horse to develop a bad reputation.

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Tips and Tricks to Spot Fake Influencers in a Jiffy




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The global influencer market is on the rise. Now, brands rely more on social media influencer marketing platform and influencer collaboration than ever. But alongside it, fake influencers are also growing by leaps and bounds. It has become a matter of concern for most brands that really care about their return on investments. As the number of fake influencers is skyrocketing, spotting the unreliable influencers has become crucial than ever.

If you don’t want to end up collaborating with a fake influencer and waste your money, then here are some tips and tricks to spot fake influencers:

1. Analyze the Influencer’s Engagement Volume

Spotting a fake influencer is fairly easy if you analyze his engagement volume. Having millions of followers should bring high engagements to your influencer marketing campaign. If the engagement number is not meeting your expectations, there are chances that the influencer has got fake followers. You need to check the interaction per one thousand followers and analyze the metrics to reveal the true picture.

2. Take a Close Look at His Posting Consistency

Fake followers tend to stay inconsistent when it comes to posting content on social media channels. It’s a red flag that can help you spot fake social media influencers. While authentic influencers publish their content regularly, the fake ones have no fixed schedule to engage their audience. They lack the passion to do it and it reflects clearly from the frequency of their posts.

3. Measure the Influencer’s Follower Growth

Analyzing the influencer’s follower growth over time reveals if he is genuine or a fake one. It’s the right metrics to detect a fake social media influencer. While genuine influencers tend to have a steady growth in the follower base over time, the fake ones either show sudden surge or dip in their follower growth. The follower growth reaches a peak when they purchase fake followers.

4. Analyze if the Influencer Engages With Followers or Not

The real influencers always interact with audiences that share a similar interest. They post content to engage with the community by actively responding to their comments and questions. But all these activities consume a lot of time. This is the reason a fake one will never get indulged in it. He will prefer to remain silent. It’s a warning sign indicating that he is fake and isn’t fit for collaboration.


Spotting a fake influencer is the foremost thing you need to do before you consider him for your influencer marketing campaign. You need to check his profile on a reliable social media influencer marketing platform and proceed with influencer collaboration after analyzing him precisely. Keep the above-mentioned tips in your mind to help you on the way. An unreliable influencer brings along a lot of trouble to your brand. You should be strict with the quality check before you start working with him.

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5 Points Worth Adhering To Earn Money Online Without Investment




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The entire global economy is witnessing total uncertainty and unrest leading people to think about earn money online without investment. Some are sceptical and think it is simply not possible. However, the fact of the matter is – there are thousands of online opportunities available. You just need to devote sufficient time and find one.

Remember – the selection of a suitable and appropriate online earning option is a tricky affair. You got to keep in mind numerous aspects. Some of these are enumerated below:

It Is Suitable For People With Limited Cash At Disposal

There are several reasons for this suggestion. The most important one is – you just need to spend quality time in promoting other’s products/services. By providing the applicable affiliate links in the cyberspace, you can earn easily. The catch is – not all affiliate links provided by you will get you money. Instead, you get commission when someone clicks the link and makes a transaction.

Use The Available Tools Prudently

There are scores of tools available in the internet. You just need to employ these tools effectively. Most of them are available free-of-cost. This means you can earn without spending a single penny. The internet is flooded with web owners who wish to advertise their products online. These tools help you in tracing and reaching prospective customers.

When to Expect Monetary Rewards

Affiliate marketing is preferred by many mainly because it rewards them in quick time. When someone makes a transaction, your bank account gets credited with applicable commission. To earn money online without investment can’t get better than this.

Select Your Niche Products Judiciously

If you have selected the products correctly, you have won half the battle. You can win the rest half simply by applying your knowledge and skills. Yes, you can earn from any niche. However, the amount you earn increases manifold once you choose your niche products.

Have A Website Of Your Own

Instead of opting for any free-website service provider, it is better you invest in a domain name. It will give you the freedom to place applicable affiliate links the way you want. Ensure to get it hosted and registered. If you encounter any difficulty in this regard, take help of expert web designers. Always keep your content fresh and relevant. It will make your website search friendly in search engines. Make a habit to place articles having a direct relation with your product niches. According to SEO experts, it helps in generating huge traffic to your site. Have a better understanding about affiliate marketing if you want to earn money online without investment.

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Reclaiming Your Love: Get Your Ex-Boyfriend Back




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It can be a very hard to get your ex-boyfriend to come back to you. In order to reclaim a relationship it will be necessary to devote a significant amount of time, display patience and have courage. This process is made even harder if he is already dating someone new that is keeping him engaged. If you believe that you want him back despite the status of your relationship it is possible to do so. In order to get ex-boyfriend back you will need to devote a lot of time and be willing to follow the advice provided.

Think about the relationship. There is always a reason for why a relationship fails. The best thing that you can do is to analyze your relationship to understand what happened. Take the time to consider why things went wrong and understand the part that you played. Avoid making the same mistakes again by being wise and learning lessons the first time around.

Look good at all times. Men are visual by nature, and they simply prefer women that are appealing to the eyes. Women that are attractive will receive more attention than those that are not attractive. This is simply how it is and it must be accepted. In any case, many men are just as concerned with inner beauty as they are with outer beauty. In order to get ex-boyfriend back you should always make sure to look your best in order make him desire to have you back in his life as his woman.

Being optimistic is powerful! It is so very important to display positivity. No one wants to be around a mean-spirited person after a relationship has ended. Hearing constant complaining becomes very tiring quite quickly. Also, it is very unattractive to see a person acting pitiful. If a breakup has you seriously depressed it is recommended that you seek the services of a medical professional. You must believe that you can get ex-boyfriend back or it simply won’t be possible. While you may not fail at something you don’t try, in the same regard you will not be successful. Effort must be made in order to reclaim a relationship. Thus, it is very important to stay positive as this can really work to your advantage.

Keep your self-respect and dignity. You may want to get ex-boyfriend back. However, such actions as stalking and constantly calling or texting him will not help you to be successful. In many ways acting in this manner will make the breakup official. Because men like a challenge it is best to keep quiet about your desire to have him back in your life. It is best not to look as if you need him. Keep your identity and be very strategic in letting him know that you want him back in your life.

Avoid consuming alcohol. It is highly recommended that you avoid contacting your ex-boyfriend under the influence alcohol when you are lonely or if you are feeling angry or depressed. When under the influence of alcohol you can be too sure what you may say that will come back to you in a negative way, and destroy your chances to get ex-boyfriend back. Avoid calling your ex while intoxicated.

No matter the method that you use, you can get ex-boyfriend back if that is your desire. It will take some time and effort to do this. However, if you really want to reclaim your love you should get ready to put in the work!

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Amazing Card Magic Tricks For Beginners – Women’s Lib




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Many people are looking for the way to learn easy card tricks since they don’t want to learn any card tricks that are full of advance techniques that they can’t keep up.

What I am about to tell you is one of the card magic tricks for beginners that anyone can practice and perform within minutes. If you want to know or learn how to do easy card tricks, you’ve come to the right place.

One of the card magic trick for beginners which I am about to tell you is called, Women’s Lib

Actually, this easy card trick can be done by using Aces, but for the sake of variety, we will use four Queens. Take out all four Queens and place them on top of the deck before you begin this trick.

Hand the deck to your spectator and tell him to cut the deck into four equal piles. As he does this, you must keep an eye on the pile that contains the top four Queens. This one must be the last pile on either end of the group.

You then say: “Let’s give each pile a name. How about A, B, C, D?” Point to each pile as you name them in order. Make sure that pile D is the last one you name.

Then, you tell your spectator to pick pile A and deal three cards onto the table where the pile was. After that, deal the next three cards, one at a time on top of each of the other piles, in any order he wishes.

When this has been done, instruct him to put the pile back on top of the three cards he dealt. Repeat the instructions for piles B, C, and D. Each time make sure the first three cards are dealt down before the next three are cirulated.

When he is through, you will have a Queen on top of each pile. You then say: “Now that you’ve mixed the cards quite thoroughly, I’ll tell you a secret. This trick is called the Women’s Lib trick. The reason is simple. In this trick, the women always come out on top.” Turn up the first card of each pile to see that they are all Queens.

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Halo 4 Spartan Ops, Simple Tips for Beating Spartan Ops on Legendary




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Spartan Ops vs. Campaign

Spartan Ops is a continuation of the Halo 4 campaign, taking place roughly 6 months after the end of the story. Similar to the campaign, you and up to 3 teammates fight against Covenant and Promethean enemies in order to complete objectives and progress the story. However, unlike in the campaign, you play as your Spartan IV character and gain XP, allowing you to level up. Therefore, Spartan Ops is very similar to Firefight from previous Halo games, and it is often considered a replacement.

Although Spartan Ops is very similar to the campaign, there are some key differences that you should keep in mind when playing. The major differences are as follows:

1. You are able to use your Spartan IV load outs, which means that you can develop your own loadout to match you play style. These are the same loadouts that you use in War Games.

2. When you die, the game does not revert to the last checkpoint; rather, you respawn at a far corner of the map. When you respawn, the game is not changed in any way (just like in War Games), meaning that all of the enemies that you killed in your previous life will remain dead. You are unable to choose your spawn point, so you often spawn in a poor location.

3. Especially in the later missions, you will encounter much larger groups of enemies than you do in the campaign. It is quite common to encounter multiple Promethean Commanders in the same room, or to find over 20 Grunts in a group.

4. In general, enemies are much more aggressive in Spartan Ops. In the campaign, enemies usually fire at you from a distance or slowly advance towards you in small groups. In Spartan Ops, large groups of up to 10 elites may rush your position at one time, which can be very overwhelming.

5. You gain XP points from playing Spartan Ops and you progress Spartan Ops commendations. This means that you can level up your Spartan IV, allowing you to unlock new weapons and items for both Spartan Ops and War Games.

6. Spartan Ops missions are shorter than campaign missions. In general, the early missions take around 10-15 minutes, and the later ones take around 20-25 minutes. There are a total of 50 Spartan Ops missions, making it much longer than the campaign.


Because you can choose your own loadout in Spartan Ops, it is very important that you take full advantage of this and develop the best possible loadout for multiple situations. I strongly suggest that you make two loadouts that you use solely for Spartan Ops: one for fighting Prometheans and one for fighting Covenant. When you first start playing, you will have very few weapons and items available. Once you play a few games on Spartan Ops or War Games, you will level up your Spartan IV and unlock new equipment. I suggest that you create the following loadouts as soon as you unlock all of the required equipment (you will have most of these items available before level 10):

Covenant Loadout:

– Primary Weapon: Carbine

– Secondary Weapon: Plasma Pistol

– Grenade: Plasma Grenade

– Armor Ability: Promethean Visions

– Perk 1: Armor Ability Regeneration

– Perk 2: Extra Ammunition

In my opinion, this loadout is the best possible loadout for fighting Covenant enemies. However, feel free to customize it to your own personal play style. The Carbine is the fastest firing headshot weapon and has the largest magazine, so you can use it to easily kill Grunts and Jackals with headshots. You can overcharge the Plasma Pistol to stun and jack vehicles and also to remove Elite’s shields, allowing you to then kill them with a Carbine headshot. Promethean Vision is especially useful in Spartan Ops because it will help you get headshots and see enemies before they can see you. It will also provide you with early warning when the enemies charging you. Plasma Grenades are the best grenades for Spartan Ops because they deal the most damage and stick to their target. This is especially useful if you play on Legendary. For Perk 2, it is very important that you choose extra ammunition so that you do not need to scavenge for new weapons. This perk gives you more Plasma Pistol energy as well. It is not very important what you choose for Perk 1, but I personally prefer Armor Ability Regeneration.

Promethean Loadout:

– Primary Weapon: Battle Rifle

– Secondary Weapon: Plasma Pistol

– Grenade: Plasma Grenade

– Armor Ability: Promethean Visions

– Perk 1: Armor Ability Regeneration

– Perk 2: Extra ammunition

As you can see, I only change the primary weapon for the Promethean Loadout. It is important to use the Battle Rifle instead of the Carbine against Prometheans because it deals the highest damage of all of the headshot weapons. This makes it much easier to kill watchers, allowing you to kill them in only 3-5 shots on Legendary. Because the Battle Rifle fires 3-shot bursts, it is easier to get headshots with it, making it easier to hit the small heads of the Promethean Knights. With this loadout, you can kill Crawlers with Battle Rifle headshots, Watchers with 3-5 Battle Rifle shots, and Knight with an overcharged Plasma Pistol and a Battle Rifle headshot.

Tips and Strategies

1. Both the Battle Rifle and the Carbine are very accurate and have 2x scopes. Be sure to use this to your advantage by picking off light infantry from a distance with headshots instead of engaging them up close.

2. If you have any UNSC weapon (other than a Rocket Launcher or Spartan Laser) equipped, you will gain full ammo if you touch a UNSC crate. Therefore, keep your eyes open for UNSC crates if you are using the Promethean loadout, as you can use them to refill your Battle Rifle.

3. Keep an eye out for weapons on the map. Each mission is scattered with weapons crates filled with high powered weapons. Swap your Plasma Pistol for some type of rocket launcher or other high powered weapon when fighting Hunters, vehicles, or many Elites or Knights at once. You may also wish to swap your Plasma Pistol for a SAW when fighting Knights.

4. In outdoor maps, there are often available unoccupied vehicles. Although I suggest against using Ghosts or Mongooses, I highly suggest that you use available Mantises, Scorpions, or Wraiths. If you are playing Co-op with a friend, you can uses Warthogs as well.

5. If you do not already have a vehicle, consider jacking enemy Wraiths instead of destroying them. Kill all of the enemies around the Wraith and then EMP it with you Plasma Pistol. Enter the Wraith’s turret, and the driver will exit, allowing you to take control of the Wraith.

6. When fighting Knights up close, consider removing their shields with a Plasma Pistol and killing them with a Plasma Grenade. This is usually a lot easier than the Plasma Pistol and headshot method, as Knights have helmets and tiny heads. When fighting Covenant, save your Plasma Grenades for Hunters.

7. When fighting Hunters on foot, try searching for heavy weapons such as some type of rocket launcher or a Spartan Laser. If you cannot find any, weaken the Hunters with Plasma Grenades and finish them off with a shotgun or fully automatic rifle (such as the SAW, Assault Rifle, or Suppressor). Be sure to aim for their weak spots on their backs.

8. In some situations, you will need to seize an area filled with a large number of Elites or Knights. When doing so, do not rush in; you will be overwhelmed and will most likely die before you can kill any of them. Rather, pick off all of the light infantry from a distance with your headshot weapon, then slowly approach the area. When you see an Elite or Knight far away from his allies, take him out with a Plasma Pistol and headshot combination. Continue eliminating the stragglers around the area until a much more manageable number of enemies remains. Whenever possible, avoid engaging many Elites or Knights at once, because after you remove one enemy’s shield, he will retreat and the others will provide him with covering fire until his shields regenerate.

9. In certain missions, a large group of enemies (usually Elites) will charge towards you. Unlike in the campaign, they will not approach you one at a time; they will instead try to overrun your position by charging in a single wave. Take cover in a good choke point such as a doorway so that you can fight them one at a time. If you feel that you are going to be overrun, retreat back the way you came and try to hold them at another choke point. Repeat this process until only a few Elite’s remain.

10. There is no safe-spawn system in Spartan Ops. This means that you might respawn right next to a group of enemies. If this happens, the enemies will most likely not notice you until you shoot, so try sneaking away to a safe distance before you engage them.

11. Throughout Spartan Ops, Miller and Commander Palmer will often make it sound that you need to do something quickly. However, this is almost always a plot device; there is usually no time limit for completing an objective. The one exception to this is when you need to defend an objective that has a health bar. In these situations, you will lose if the objective dies, so be sure to protect it.

12. If you are having trouble with a mission, try playing it with friends. The levels do not get any harder with more people, and having more people to draw the enemies’ fire is always useful, no matter how bad they are.

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Twelve Secrets and Tricks to Buying Life Insurance




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Secret #1: Don’t spend too much time on a life insurance quote.

Do not be fooled by the low price quotes you get online – they don’t apply to you unless you are extremely healthy. Statistically only 10% of people who apply actually get the lowest priced policy. The premium you end up paying has nothing to do with the initial quote you get online or from an agent. It is amazing to me how often I see people getting duped by an agent who quotes company X at a lower price than another agent.

Life insurance policies are the same price no matter who you buy from! One agent or website quoting a lower premium means nothing. Prices for any given policy is based on your age and health. There are a few exceptions to this but that is beyond the breadth of this article.

Most life insurance companies have 10-20 different health/price ratings and no agent or website can assure you the quote they give you is accurate. You have to apply, do a health check, and then go through underwriting (meaning you complete a mini-exam with a nurse in your home and then the company checks you doctor records and reviews and ‘rates’ your health) to get the real price of the policy. Remember that a health rating also factors in your family history, driving record, and the type of occupation you have. Only use quotes to help narrow down your choices to the top companies. You may want to consider a no load or low policy. The more that you save on commissions the more money builds up in your policy. You can even buy term insurance no load, and save a lot on premiums. You will not get the help of an agent, which may be worth something if they are very good.

The most important factor determining price is matching your particular health history with the company best suited for that niche. For instance company X might be best for smokers, company Y for cancer survivors, Company Z for people with high blood pressure, etc.

Secret #2: Ignore the hype on term versus cash value permanent insurance.

You can go crazy reading what everyone has to say on buying term insurance versus a whole or universal life policy. Big name websites give advice that I think borders on fraudulent. Simply put there is NO simple answer on whether you should buy permanent cash value policies or term insurance.

But I do think there is a simple rule of thumb – buy term for your temporary insurance needs and cash value insurance for your permanent needs. I have read in various journals and run mathematical equations myself which basically show that if you have a need for insurance beyond 20 years that you should consider some amount of permanent insurance. This is due to the tax advantage of the growth of the cash value within in a permanent policy. I am divorced and have taken care of my children should I die. I probably no longer need as much insurance as I now have. I have earned a great return on my policies and have paid no taxes. I no longer pay the premiums, because there is so much cash in the policies. I let the policies pay themselves. I would not call most life insurance a good investment. Because I bought my policies correctly, and paid almost no sales commissions my policies are probably my best investments. I no longer own them, so when I die my beneficiaries will get the money both tax free, and estate tax free.

Since most people have short term needs like a mortgage or kids at home they should get some term. Additionally most people want some life insurance in place for their whole life to pay for burial, help with unpaid medical bills and estate taxes and so a permanent policy should be purchased along with the term policy.

Secret #3: Consider applying with two companies at once.

Life insurance companies really don’t like this “trick” because it gives them competition and increases their underwriting costs.

Secret #4: Avoid captive life insurance agents.

Look for a life insurance agent who represents at least fifty life insurance companies and ask them for a multi company quote showing the best prices side by side. Some people try to cut the agent out and just apply online. Just remember that you don’t save any money that way because the commissions normally earned by the agent are just kept by the insurance company or the website insurance company without having your premium lowered.

Plus a good agent can help you maneuver through some of the complexities of filling out the application, setting up your beneficiaries, avoiding mistakes on selecting who should be the owner, the best way to pay your premium, and also will be there to deliver the check and assist your loved ones if the life insurance is ever used.

Secret #5: Consider refinancing old life policies.

Most companies won’t tell you but the price you pay on your old policies has probably come down dramatically if you are in good health. In the last few years life insurance companies have updated their predictions on how long people will live. Since we are living longer they are reducing their rates rather dramatically. Beware the agent may be doing this to obtain a new commission, so make sure it really makes sense.

I really am amazed at how often we find that our client’s old policies are twice as expensive as a new one. If you need new life insurance consider “refinancing” your old policies and using the savings on the old policies to pay for the new policy – that way there is no extra out-of-pocket costs. We like to think of this process as “refinancing your life insurance” – just like you refinance your mortgage.

Secret #6: Realize life insurance companies have target niches that constantly change.

One day company ‘X’ is giving good rates to people who are a little overweight and the next month they are super strict. Company ‘Y’ might be lenient on people with diabetes because they don’t have many diabetics on the books – meaning they will give good rates to diabetics. At the same time company ‘W’ might be very strict on diabetics because they are insuring lots of diabetics and are afraid they have too big of a risk in that area – meaning they will give a bad rate to new diabetics who apply.

Unfortunately when you are applying a life insurance company will not tell you, “Hey, we just raised our rates in diabetics.” They will just happily take your money if you were not smart enough to shop around. This is the number one area a smart agent can come in handy. Since a good multi-company agent is constantly applying with multiple companies he or she will have a good handle on who is currently the most lenient on underwriting for you particular situation. The problem is that this is hard work and many agents are either too busy or not set up to efficiently shop around directly to different underwriters and see who would make you the best offer. This is a lot harder than just running you a quote online.

Secret #7: Don’t forget customer service.

Most people shopping for insurance focus on companies with the lowest price and the best financial rating. Unfortunately I know of some A+ rated companies with low rates who I would not touch with a ten foot pole simply because it’s easier to give birth to a porcupine backwards then it is to get customer service from them.

Before I understood this I used a life insurance company that gave a client a great rate but 2 years later the client called me and said, “I have mailed in all my payments on time but just got a notice saying my policy lapsed.” It turned out the company had been making lots of back office mistakes and had lost the premium payment!

We were able to fix it because we caught the problem so early. But if the client happened to have died during the short period the policy had lapsed, his family might have had a hard time proving that the premium had been paid on time and they might not have received the life insurance money – a loss of hundreds of thousands of dollars in that case.

Secret #8: Apply 3-6 months ahead of the time you need the insurance if possible.

Don’t be in a hurry to get a policy if you already have some coverage in force. But go ahead and apply right away knowing that you might need months to shop around if the first company does not give you a good rate. Even though the life insurance industry is getting more automated your application will still often be held up for weeks or months while the insurance company waits on your doctor’s office to mail them a copy of you medical records.

If you are in a hurry and buy a quickie ‘no-underwriting’ policy without going through the full health checks and underwriting that a mainstream life insurance company requires, you will end up paying 20%-50% more because the insurance company will automatically charge you higher rates because they don’t know whether you are healthy or about to die the next day.

Secret #9: Avoid buying extra life insurance through work if you are healthy.

I am sure there are exceptions to this “trick” but I have rarely found one. By all means keep the free life insurance your employer provides. But if you are healthy and you are paying for supplemental life insurance through payroll deduction you are almost certainly paying too much. What is happening is that your ‘overpayments’ ends up subsidizing the unhealthy people in your company who are buying life insurance through payroll deduction.

Usually the life insurance company has cut a deal with your employer and will waive the required health exam for all employees – instead they just average the price for all the employees and offer one or two rates for males or females at any given age. Life insurance companies know they will pick up lots of unhealthy clients this way so they jack up the price on everyone so that the healthy people end up overpaying so that the unhealthy employees get a cheaper policy. Also, unlike the guaranteed term policies which we recommend, most life insurance you buy through work will get more expensive as you get older.

Also group life insurance is generally not portable when you retire or change jobs meaning that when you retire or change jobs you might have to apply all over again even though you will be older and probably not as healthy and risk being turned down for a policy. If the group plan does allow portability they generally limit your conversion choices and force you to go into expensive cash value plans.

I remember helping someone evaluate his supplemental life insurance. He was sure it was a better deal than any policy I could find him. Little did he know that the price of his group plan would go up every year? By the time he retired his premium would have risen to over $10,000/year. I found him a policy for around $1000/year that would never go up. Also, unlike his old group life policy, he could take the individual policy with him when he changed jobs or retired.

Secret #10: Do a trial application on a COD payment basis.

Only send money with the application if you need the life insurance coverage right away. Sending a check with the application is a traditional practice agents used to do – I think mostly because it got them their commissions faster. If you send money with an application you usually get temporary coverage immediately but if you already have plenty of coverage and are just trying to get better rates ask your agent to do a trial application on a COD basis so you only pay once the policy is approved. If you do not send money, and you die before paying for the policy there is no coverage.

Secret #11: Wear your shoes when the nurse measures your height.

When the insurance company sends out the nurse to do your health check try to be as tall as possible if you are overweight? In most states you are allowed to wear shoes and if you are a little overweight your taller height/weight ratio will look a little better to the underwriter who is determining your health rating and policy price. Also do your exam early in the morning with no food in you – this will make your cholesterol count and various health ratios look the best.

Secret #12: Be careful with extra perks and riders.

Most policies come with options like accidental death benefit, child riders, disability riders, return of premium etc. If you do the math on most of these “extras” they usually don’t make smart financial sense. Life insurance companies are out to make money and these riders are usually profitable because they either cover something that rarely happens or they are so stringent that the benefit never gets paid out. Keep things simple and focus mainly on getting a life policy to cover your life without many strings attached. Again a good agent can help you weigh the benefits of the extra riders. But be wary of an agent who tries to tack on every possible extra rider.

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