Warren Buffett is the most successful investor of our time, perhaps of any time. He is famous for his pithy quotes, which often appear in his annual letter to shareholders.

Taken together, his quotes pretty well sum up his investment philosophy and approach. Here are his best sound bites of all time on being a sensible investor.

1. Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.

2. Investing is laying out money now to get more money back in the future.

3. Never invest in a business you cannot understand.

4. I don’t look to jump over 7-foot bars: I look around for 1-foot bars that I can step over.

5. I put heavy weight on certainty. It’s not risky to buy securities at a fraction of what they’re worth.

6. If a business does well, the stock eventually follows.

7. It’s far better to buy a wonderful company at a fair price than a fair company at a wonderful price.

8. Time is the friend of the wonderful company, the enemy of the mediocre.

9. For some reason people take their cues from price action rather than from values. Price is what you pay. Value is what you get.

10. In the short run, the market is a voting machine. In the long run, it’s a weighing machine.

11. The most common cause of low prices is pessimism. We want to do business in such an environment, not because we like pessimism, but because we like the prices it produces. It’s optimism that is the enemy of the rational buyer. None of this means, however, that a business or stock is an intelligent purchase simply because it is unpopular; a contrarian approach is just as foolish as a follow-the-crowd strategy. What’s required is thinking rather than polling.

12. Risk comes from not knowing what you’re doing.

13. It is better to be approximately right than precisely wrong.

14. All there is to investing is picking good stocks at good times and staying with them as long as they remain good companies.

15. Wide diversification is only required when investors do not understand what they are doing.

16. You do things when the opportunities come along. I have had periods in my life when I have had a bundle of ideas come along, and I’ve had long dry spells. If I get an idea next week, I’ll do something. If not, I won’t do a damn thing.

17. [On the dot-com bubble:] What we learn from history is that people don’t learn from history.

18. You are neither right nor wrong because the crowd disagrees with you. You are right because your data and reasoning are right.

19. You don’t need to be a rocket scientist. Investing is not a game where the guy with the 160 IQ beats the guy with 130 IQ.

20. You should invest in a business that even a fool can run, because someday a fool will.

21. When a management with a reputation for brilliance tackles a business with a reputation for bad economics, it is the reputation of the business that remains intact.

22. The best business returns are usually achieved by companies that are doing something quite similar today to what they were doing five or ten years ago.

23. Diversification may preserve wealth, but concentration builds wealth.

If you would like to learn about a stock investment approach that that uses similar strategies as those reflected in this article, please consider purchasing Sensible Stock Investing: How to Pick, Value, and Manage Stocks. The book has a perfect 5-star reader rating on Amazon.com. Click on this link to learn more about the book and its systematic, user-friendly approach to investing, designed specifically for the individual investor: http://www.SensibleStocks.com

The game of golf is a funny thing. You can love the game one minute and wonder why you ever took up the sport just 10 minutes later. The problem for the average golfer is that they never get a consistent and repeatable swing. I have three tips for you that will help improve your golf swing.

Everyone knows that you are supposed to keep your head down. But they don’t actually know when their head is supposed to move. When you swing your club, your eyes should stay on the back of the ball. But don’t hold your head still so long that it does not naturally follow the swing. If you are moving your head correctly, your eyes should see the ball at the apex (top) of the ball flight. If that is not the first time you see your ball correct yourself accordingly. If you do this correctly, you will help your golf swing because now you are properly staying behind the ball at impact which means your arms are free to release at the correct time.

Have the same pre-shot routine. This may not sound important but it is one of the most important things to help your golf swing become smooth and repeatable. Your routine should start when you chose which club you need. Place your left hand (reverse for lefties) on the club the way you would grip the club and walk over to your ball. Stand behind the ball so that the ball is in between you and the pin. Pick a spot that you want to hit to then walk around to address the ball. Take a practice swing and visualize the results. Then address the ball and swing, don’t stand over the ball for a long time it won’t help the result of the swing. Do this every time you take a club out of the bag. What a routine like this does for your swing is that you learn to feel the swing and you learn to create a rhythm for your swing.

Here is a great tip that will help any golfer with his or her swing that nobody will tell you. Quit watching everyone else swing! Why in the world would you want to ingrain into your head all the mistakes that someone else makes? I don’t know about you but I have enough quirks in my swing I don’t need any help to develop more. Your golf swing is your own. What works for you may not work for others and visa-versa. Also remember that you probably have different body types and different swing tempos. So help watch where their ball may be going but don’t watch the swing that got them there.

Hopefully, if you learn to implement these three golf tips above, you will see your score cut by at least two or three strokes each round. The golf swing is all about consistency and repeatability and these steps will definitely help with that part of your golf swing. Enjoy your round and remember-sand is for the beach!

Go get more great golf swing tips at http://www.bestgolftipsplus.com

Most credit departments in America today have become computerized. The credit analysts and collection specialists have been replaced by customer service representatives. The receptionist has been replaced by an obnoxious sounding electronic voice. All these changes have come at a cost to you, the consumer.

When applying for credit, the consumer is now to reduced to a set of numbers that are entered into a computer. Based upon a specific formula, the request for credit is either accepted or denied. Each customer service representative in the credit department is issued a generic set of instructions, and granted an equal amount of authority regarding how to handle every request. In the collection department, the customer service representatives are also issued generic instructions about how to handle disputed claims.

In collection departments many times, extension and deferral requests are now handled by computers . Injecting technology into both of these departments results in financial and emotional costs to consumers. How many of us have designated thirty minutes of our lunch hour to contact one of our creditors to resolve a problem, and after navigating the electronic maze, have been told the estimated wait for this call would be fifteen to twenty minutes? We have various responses to this situation. Our first inclination is to hang up and get on with our lunch hour. This response is understandable, especially if we are sure that the creditor we are calling is the one who is at fault. Unfortunately it comes with the risk of damaging our credit rating and/or costing us significant late fees or finance charges. Another response is to wait on hold for fifteen to twenty minutes.

By the time we talk to a customer service representative, our frustration level is high, and we will likely will have to ask for a quick resolution because our time is running out. In most work places today, personal phone calls are not allowed on company phones. We are required to use our cell phones to make these calls. If it is necessary for us to spend sixty minutes a week contacting our creditors to straighten out their errors, we are using 240 anytime minutes of our cell phone plans. These calls account for over half of a 500 minute cell phone plan!!! In many cases we experience the ultimate in frustration when we spend thirty minutes of our lunch hour trying to deal with a problem, and we discover that the customer service representative we are talking to does not have the authority to handle our dispute. We end the conversation knowing that we will have to spend another lunch hour on the phone with that creditor.

Waiting on hold for long periods of time during a work day can cause people to compromise their jobs. Since people can ill afford late fees and finance charges, they feel as if they have no choice but to continue with the phone calls which cut into their work day. If contact with a collection department becomes too difficult, people who start the process in good faith, may convert to become people who do not care anymore. In many instances, being denied quick access to credit and collection departments results in customers incurring damaging information on their credit reports. One of the results of eliminating qualified people in credit departments in exchange for using generic computer driven credit guidelines to grant credit, is higher risk and more costly credit. Chances are that customer service representatives will not be able to solve problems such as a computer increasing an interest rate from 6% to 19.9% on a customer’s bill because the payment is recorded as a day late, even though the payment arrived on time and was misapplied by the creditor’s accounting department.

At best, it will probably take multiple calls to the institution to correct the problem. The number of credit cards issued to people that can ill afford to have them is another outcome of generic credit policies. Once again, the subsequent payment defaults on these cards are passed onto all cardholders. Due to the considerable sums of money generated by late fees, finance charges and increased interest rates instated after late payments, credit card companies can afford to carry substandard credit card holders.

Some of the results of eliminating collection specialists in collection departments are:

1) Generic instructions do not cover all collection problems.

2) Customer service representatives do not have enough authority to enable efficient solutions for some common problems.

3) Customer accounts become referred further into the collection process due to inadequately trained customer service representatives who cannot “think outside the box”.

4) Due to computerization, it is rare to be able to access the same customer service representative twice. Therefore the customer has to give the complete account history each time he or she makes a call in order to bring the new representative up to speed.

5) When customer service is outsourced, the people working in the phone banks have no background on the accounts, and are unfamiliar with the original representations made by the company.

6) When outsourcing occurs outside this country, many times communication is difficult due to the limited English vocabulary of the customer service representatives.
Before technology was introduced into corporate America, the sales, credit and collection departments worked in concert. In the corporate environment of today, too many times the sales, credit, and collection departments live out the cliche that the “right hand does not know what the left hand is doing”. The consumer is the one who pays for this chaos.

I had a career in the credit/debt field for 24 years. I have been on the side of banks, leasing companies, retail stores, credit card companies and various other businesses. I worked in debt collections, negotations, and loan workouts. These experiences have become the motivation for me to write articles about debt and finance for both the consumer and business reader. http://olympicdebtspecialists.blogspot.com/

Tom recently had a quarrel with his fiancée, Mandy.
It was all about a break down in communication between the two of them. They just realized that they were drifting apart daily, and were not talking as much as they used to.
Where they would talk and chat for hours on end before, they were now spending minutes to just talk generally. They didn’t connect wth each others’ hearts like they used to before.

It didn’t need a diviner to tell them both that they were about to split up. Despite the love that they once had for each other, the ominous signs of a separation were there for any observer to see.

Many times, people in a relationship tend to take each other for granted, especially if they have been together for quite a while.

Assumptions about each other start to come in, and as a wise man said, assumptions are the mother of frustrations. Typically, frustrations start to set in between the two of them, and they begin to grow apart.

Taking your partner for granted is the sure way to kill the love you have for him or her. No one likes to be treated casually.
After all, your partner is supposed to be the most important person, and the most special person in your life.

He or she must be treated that way at all times. Both of you must not stop being courteous and affectionate towards each other. You should continue to do those things that endeared you to each other at the beginning of your relationship.

That is the way to keep the fires of love burning for each other.
Don’t make assumptions about your partner. Always clarify issues, and at all times, keep the lines of communication open.
This way, you will avoid a potential break up in your relationship.

Romance scams affect thousands of people annually, the majority of whom are inocent about it. Millions of dollars are being lost to these scams. To help combat this growing menace, Alan Prince has provided quality resourceful and educative materials at http://www.elovedeceptions.com and http://www.alanprince.wordpress.com . His research and investigative work has helped many anti-scam authorities in their duties.

See that before you get scared off thinking the Pork Butt actually comes from the rear, relax it comes from the shoulder, right above the picnic, which is used to make Hams.

Referred to by other names this savory cut is also known as: a Boston shoulder roast, Boston roast, Boston butt, Shoulder butt, and Shoulder blade roast. Another thing to know before buying one is do you want the bone? A Bone in cut is good for a slow roast or even pulled pork but unless you are a master with the boning knife you will most likely want the boneless pork butt.

Lets look at the versatility of a pork butt, I am a restaurant chef and use it in various shapes and forms every day. Some examples are; Roast Pork for an entree or leftovers for a Pork Sandwich known as the Cubano. I cut it and roast in for boneless riblets, also very slow roasted for BBQ Pulled Pork. If you grind it you can add it to a meat sauce or stuff it in prepared wonton skins for Pork Wontons and Shu Mai. Also either the roasted or ground leftovers can make a wonderful filling for Steamed Asian Pork Buns.

The first thing you really want to do with this cut is to Brine it. The brine solution not only intensely flavors the meat, but also add water to the tissue so when you do cook it for long periods of time, the meat stays delicious and succulent. A brine solution is as easy as adding 1 cup of kosher salt to every gallon of water and letting it marinate submerged for at least 6 hours. Sugar is another good ingredient in brining then add some spices that will be highlighted in you finished dish, or just a few bay leaves for a subtle aroma.

So in this recipe I brine, dry rub, then wet mop even if I go Asian with it

Boneless Riblets
——————

3 # boneless pork butt
1 gallon water
1 cup kosher salt
1 cup sugar
1 cup cajun spice or togarashi seasoning
Favorite BBQ Sauce or Sweet Soy Glaze (like ketchup manis, Indonesian Soy Sauce)

Cut the fat cap off and cut into 3 portions, brine in the water with salt and sugar for 6 hours to overnight

Drain and pat dry, dust with seasoning and roast at 350 for 20 minutes or until just slightly pink

Cool and cut into bite sized “Riblets” for service broil with BBQ or Sweet Soy glaze to toast spices and crisp any fat.

Chef-Consultant-Web Guru
http://chefalbano.com

http://chefalbano.blogspot.com

According to Wikipedia Web 2.0 is “a perceived second-generation of Web-based services—such as social networking sites, wikis, communication tools, and folksonomies—that emphasize online collaboration and sharing among users.” This includes websites like YouTube, MySpace, and Free IQ. YouTube and MySpace in particular heralded this new era of the internet by creating their own isolated type of network.

What this means for the internet marketer is an ability to find a large amount of targeted people very easily. Using the “search” features it’s possible to narrow down a specific group of people you want to market to and set up shop. The capabilities of these websites take advantage of the newest internet technology using audio, video, and being able to track them as well making it invaluable in testing and fine tuning your campaigns. People respond well to audio and video on websites allowing you to filter them to your sales page or link the video directly to it.

The above mentioned Web 2.0 sites become, or will become, multi-billion dollar businesses. That’s right, BILLION. The buyout of YouTube by Google is a hint of what’s to come in this rapidly growing area of the internet. The sites are hugely popular and command so much traffic that missing an opportunity to market on them is becoming less and more mandatory. Marketers will huge lists in multiple niches will probably be immune to the changing of the internet because they can filter their lists to their foot holds in Web 2.0 sites and do just as well there. The new marketer really needs to step up and keep up with the changes or the world may change around them before they learn how to adapt to needed new ways of marketing.

Robert Kreuk is a full time internet marketer. Through his input and experience he has teamed up to create the definitive internet marketing guide for new marketers called href="http://www.chimp-change.org">Chimp Change. Visit our new href="http://www.squidoo.com/chimpchange/">Squidoo Lens and chat about the articles or internet marketing.

We’ll start with the good stuff:

• Guerilla marketing is cheap. At the high end, you
may end up investing a few hundred dollars in
promotional items or a major, centralized piece that
you can build a number of different campaigns around.
At the low end, it’s free — and you can’t beat free!

• In addition to growing your business, guerilla
marketing involves networking, both with your
customers and with other businesses. In the process of
executing and maintaining your campaign, you will make
a lot of new friends and allies.

• Guerilla marketing is specifically tailored to meet
the needs of small businesses, whereas traditional
advertising venues are complicated and expensive to
the point of exclusion (bordering on snobbishness).

• Many aspects of creative guerilla marketing
campaigns are just plain fun! You get to perform wacky
stunts and engage in unusual activities, all in the
name of working for a living.

• Guerilla marketing works. If you do your research,
plan your campaign, and stick with it, you will more
than likely end up with a better and more profitable
business.

And now, the not so good:

• Guerilla marketing works — but it is not completely
fail safe. It is, after all, advertising; which is far
from an exact science. The number of variables
involved in advertising guarantees that nothing is 100
percent effective.

•As with any advertising campaign, you will not be
able to pinpoint exactly what works and what does not.
Obtaining measurable results is difficult (but not
impossible, unlike other marketing techniques).

• Guerilla marketing requires a greater level of
dedication and energy than traditional advertising
venues, which often consist of throwing large amounts
of money at other people to do the work for you.

• If you are looking for a quick fix, guerilla
marketing is not your solution. You will not see
instant or overnight results stemming from your
efforts. An investment of time is required in order to
achieve your business sales goals.

• Guerilla marketing is not for the thin-skinned or
faint of heart. At the very least, you will have a few
detractors who find fault in your methods. At worst,
you may be threatened with legal action (which is why
it’s so important to check your local laws before
engaging in a guerilla marketing campaign).

Richard Henderson runs his own internet marketing business from home and enjoys publishing articles and ebooks for websites as well as his own customers.
Check out this great new guide called Guerilla Marketing 101 which has all the latest methods for 2007.

http://www.guerillamarketing101.net/

If you want to take advantage of the way that search engines rank websites, you need to
make the words that appear on your website easily understandable by these search engines.

The need to style your website copy in a way that the search engine drives visitors to
your website is absolutely necessary though it should not mean compromising on the
quality of your message and it should not cause visitors to reject the material.

You need to write copy for the search engines because that will help you to increase your
website traffic and also bring in revenue by getting a better return on investment (ROI).
It thus pays to think of your website copy as a sort of investment that will go a long way
in helping you with your search engine optimization efforts.

You may need to do extensive research on how to write your site copy. It means repeatedly
checking every word written including all keywords that must be shaped as good marketing
copy and which includes every possible combination.

Your website copy should be made of readable and relevant content so that visitors are
enthused into making a purchase and further exploring the website and not be confused or
turned off.

While writing copy for search engine and visitors, you should at least be a passable
copywriter yourself. You must know and understand the Internet well. With some sprinkling
of knowledge about search engine optimization for good measure.

If you need help with writing copy for search engines and visitors, you should consider
hiring a professional SEO copywriter.

Do you want to learn more about how I do it? I have just completed my brand new guide to Search Engine Marketing Success. Discover The *Secret Formula* We’ve Used To Stay In Google’s Top 3 Rankings For Over 3 Years For Some Of The Toughest Keywords Around (18 MILLION Competitors!)

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Serge Daudelin

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Serge Daudelin is a Internet Marketing Consultant & SEO Specialist who has written over 300 articles in print and 5 published ebooks. Serge is dedicated to helping others and offering the best information on how to make more money online.

Many individuals and that includes organizations which are just groups of individuals united to achieve specific goals continually seek new answers to this centuries old question: How do I change?

With today’s generation having more change in one year than their grandparent’s experienced in their entire lifetime, learning how to deal with change is critical to personal and organizational success. This is called change management. Yet, change is still a challenge even for those who think that they have open minds.

For example, can you explain the logic of these numbers?

8 5 4 9 7 6 3 2 0

What is going through your mind? Are you adding, subtracting, multiplying to determine the logical sequence? As a business coach and change management consultant, this is one of most favorite activities that I use with my clients from young people to executive board members.

What this activity quickly demonstrates is that the paradigms we use to solve problems with an an individual or as an href="http://www.processspecialist.com/organizations.htm">organization force us in some cases to expend a lot of energy as well as emotions without a satisfactory answer. However, when we change how we see things, the things we look at will change.

This change happens because we have changed within ourselves. Outside forces from motivational speakers to the newest video such as The Secret only provide opportunities to see things differently.

Since we are the way we are because of years of experiences that have further solidify our foundational belief systems, we should not expect change to happen overnight. Change takes time just like reading a positive affirmation statement or what I call a belief statement. When those written statements are read out loud, heard and felt at least three times each day, we can begin to switch our negative beliefs or attitudes for positive ones. Remember, first, we must be the change that we are seeking.

P.S. If you cannot answer the above question, just send me an email or give me a call.

Leanne Hoagland-Smith, M.S. is a business coach and performance improvement consultant with offices in Indianapolis and near Chicago. She writes, speaks and coaches people in business and education to quickly double or triple results through the creation of an executable strategic plans along with the necessary leadership skills “to pull it off.”

One quick question,if you could secure one new client or breakthrough that one paradigm holding you back from success, what would that mean to you? Then, take a risk and give me, Leanne, a call at 219.759.5601 to experience incredible results.

Visit href="http://www.processspecialist.com/">http://www.processspecialist.com/ and explore everything from free articles to connecting with Leanne.

Who doesn’t like free stuff? Free stuff can’t possibly be bad right? How many times have you turned down a free bonus? You’ve been there before. You open a page to the next great internet marketing product and right before you get to the order button is page after page of free bonuses. The average user probably scrolls past those to see the price without even looking.

A lot of the time there’s so many free bonuses it gets distracting. Some sites over anywhere from five to eight or more free bonuses. Free bonuses are used as a value adding tool to their primary product, but at some point it needs to slow down. It’s best to not go overboard with adding free bonuses or it can eclipse the value of the product you’re actually trying to sell. This works for both the vendor and the affiliate in trying to outdo each other and other competing products since it can distract easier than most things on a sales page. Free Bonuses are sometimes used to justify a high price tag by giving more product than originally offered. This can be a mistake too as it can backfire and make the product look cheap.

Free bonuses can drop the value of our product. When using too many a potential customer may think you are offering so many free bonuses because you don’t have enough faith in your primary product. They may think the product can’t stand on it’s own and the free offers are meant to entice them to buy a suboptimal product with free stuff they’ll read or use. Those free bonuses will probably be better for opt-in lists where you can exchange them for their email address without losing them to your main product.

Robert Kreuk is a full time internet marketer. Through his input and experience he has teamed up to create the definitive internet marketing guide for new marketers called href="http://www.chimp-change.org">Chimp Change. Visit our new href="http://www.squidoo.com/chimpchange/">Squidoo Lens and chat about the articles or internet marketing.