Stress – How it Affects You and How You Can Treat It

Your life is full of stress! Any arguments? Didn’t think so. Your life is full of pressure, frustration, and stress. Worrying about job security, being overworked, driving in rush hour traffic, arguing with your spouse, even dealing with medical bills – all of these create stress in your life.

According to the American Psychology Association, more than half of all Americans report being concerned about the level of stress in their lives. Most people are feeling over scheduled, overextended, and overworked. By far, the most commonly reported source of stress is the workplace.

Studies suggest that stress is a contributing factor in the development of chronic and degenerative conditions such as heart disease and diabetes. High stress levels at work can lead to job burnout, reduction in productivity, ill health, job dissatisfaction, and absenteeism. As these problems add up over time, you worry more about keeping your job while your boss becomes more dissatisfied, leading to more stress and an ever-growing vicious cycle.

When you experience stress, glands within your body respond by releasing a hormone called adrenocorticotropic hormone – we’ll call it ACTH for short. When your glands send out a burst of ACTH it is like an alarm system going off within your body. ACTH tells other glands to flood your body with the hormones cortisol and adrenaline. These two hormones cause your heart rate and blood pressure to increase. They shut down your digestive system and even alter your immune system. When you remove yourself from the stressful situation, the levels of cortisol and adrenaline decrease. As cortisol and adrenaline decrease in your system, your heart rate, blood pressure, digestive system and immune system return to normal.

As you pile one stressful situation on top of another, your body has no time to recover. If you are in a constant state of stress, or experience many stressful situations, your body’s stress response system can disrupt nearly all of your body’s processes. Some of the effects can lead to chronic illness and disease.

Stress affects the digestive system so much that stomachaches and diarrhea become common. The hormones related to stress slow down the release of stomach acid and the process of emptying the stomach. The same hormones stimulate your colon which speeds the passage of its contents – a.k.a diarrhea.

Chronic stress dampens your immune system making you more susceptible to colds and other infections.

Stress affects your nervous system and has been linked to depression, anxiety, panic attacks, and dementia. Over time, chronic release of cortisol can even cause damage to several structures in the brain.

Stress affects your cardiovascular system by causing an increase in heart rate and blood pressure and increasing the risk of heart attacks and stroke.

Unlike most other diseases that affect Americans, there really isn’t any routine medical treatment for stress. Some doctors prescribe antidepressants. But drugs have a limited ability to alleviate stress.

The most effective way to reduce or relieve stress is through lifestyle habits.

Lifestyle habits such as spinal alignment, exercise, breathing exercises and coping strategies are the most effective ways to reduce stress.

Exercise is a good way to deal with stress because it is a healthy way to relieve your pent-up energy and tension. By getting physically active, you can decrease your levels of anxiety and stress, and elevate your moods. Numerous studies show that people who exercise exhibit a marked improvement in their ability to concentrate, sleep better, suffer fewer illnesses, suffer from pain less, and report a higher quality of life.

One of the consequences of stress is a tendency to unconsciously tense up your muscles, especially in your upper back and shoulder regions. This chronic tension, coupled with poor posture, causes the vertebrae of your spine to become misaligned. Misalignment causes irritation. Irritation causes more tension. More tension causes greater misalignment. And the cycle continues and you continue to get worse. Most people experience a notable improvement in their own stress levels almost immediately after a spinal adjustment. You can reduce your level of stress by visiting your local chiropractor to have a spinal adjustment.

There are two types of nutritional supplements. There are nutritional supplements that help reduce stress and there are nutritional supplements that help the body better cope with the effects of stress. Supplements that help reduce stress belong to a class of herbs that helps the body relax. Herbs such as chamomile, skullcap, valerian, and lavender help to clear your mind and calm intense emotions. Many of these herbs are taken in the form of a hot or warm tea.

Supplements that help the body cope with the physical effects of stress are the B-vitamins and zinc. When you experience stress, your body needs more zinc and more of the Vitamin-B complex. Your health suffers and you are more prone to illness when you don’t have enough of each in your body. Taking a B-complex with zinc in the form of a liquid nutritional supplement will help protect your body from the negative effects of stress.

The final key to treating stress is healthy thinking. Most stress is caused by two factors – dealing with change and feeling out of control. While you can’t predict the changes that will occur in your life, you can – control how you plan each day, – you can positively respond to change, and – you can act with purpose.

The combination of these three positive thinking habits can help remove stress from your life and diminish the effects of stress. These three simple ‘attitude adjustments’ will help you feel more in control and once adopted as a habit, can be quite relaxing.

Don’t let prolonged or repeated episodes of stress lead you to chronic or degenerative disease like diabetes or heart disease. Lifestyle habits such as spinal alignment, exercise, breathing exercises and coping strategies are the most effective ways you can reduce stress and the effects of stress on your body.

The Benefits of Advertising – Business Internet Marketing

Marketing online has become a very profitable way of marketing products and services of the company. Online advertising is one method of advertising that uses the Internet to deliver the marketing message that can attract customers. World Wide Web is the main medium that can be used as part of online advertising to attract customers and spread the name of the company. There are also several examples of online advertising such as email marketing, banner ads or contextual ads on various search engines.

The benefits of advertising business internet marketing are:

1. Ad beneficial for sellers and buyers. This is mutually beneficial. Sellers use advertising to promote products on the internet by providing an explanation of the details of products both in price, usability, and benefits of these products. Buyers who come to the site, they know about the various products from these ads and can choose according to their wishes.
2. Before the Internet, advertising is limited to newspapers, television and so on. Along with the development of the Internet, we can use a variety of ways to advertise our businesses either through email or posting through various websites. Through advertising on the internet allows you to expand the business globally, not limited to time and place.
3. Internet is becoming increasingly popular in line with the number of people who use these systems and tools. Almost all people use online facilities to perform the work as they use email to send and receive the official letter to the company or using social media such as twitter, Facebook, and others. By using advertising on the internet the more people will see and some of them will make a purchase.
4. Advertise your business with the internet; you will be able to reach very specific target audience through this online facility. This is often referred to as SEO Optimize system where you use specific keywords for specific markets. There is also the term PPC or pay per click where you need to pay for keywords that you are advertising on the internet.
5. Online ads can reach every person in the whole world in a small time period. Some tools or software is provided either free or paid; where you can choose which best suit your business. On average a good website can be optimized in a few months and with time running it will be increasing visitors and buyers so that we get a return on investment.
6. Cheap online advertising as a source of advertising would cost so much while placing an ad in the newspaper or television will be more expensive than online advertising. You can also get a clear picture of how much money he would spend and how much profit from your investment.

If you have not done in the advertising business internet marketing, it is good you start to learn the details and start running. This not only shortens your time in business, but you can increase your profits away from what you get. Of course, learning from the right sources and correct.

Commercial Real Estate Purchasing Requires Considering Many Factors

Today’s world economy is changing. More and more people are turning to the internet for their goods and services. As our ability to transport goods across international borders increases exponentially, the world is truly becoming as small as a tiny computer monitor screen. Faced with the prospect of competing with online vendors, what can today’s business do to offer a clear and attractive alternative? The key is, and always will be, the customer experience.

As the old adage goes-real estate is all about location, location, and location. That is no longer true than when you are shopping for commercial real estate. Firstly, the location must serve your basic business needs. Does the location offer you all of the space your business may need for today, and can it expand to meet tomorrow’s needs? Is the location safe for your workers, and is the area an attractive destination to potential customers?

Perhaps most importantly, your business must be accessible to these customers. The closer your business is to the customers that you seek, the more readily you can compete with online businesses. Nothing beats the experience of being able to take a short walk to a store and see, feel, and test the goods and services you might need.

A well thought out and researched piece of commercial property is more than a tract of land and a solid piece of construction. It can serve as a piece of advertising as well. The location of your commercial real estate can be in an area with a high level of traffic. With a sign on the building, you can essentially create a free, ongoing billboard advertising your business. Since your business model may depend on local business, this kind of free advertising can be invaluable as time goes by.

You may also look for commercial real estate in areas with little driving traffic but a high level of foot traffic. Areas with high foot traffic are great for retailers looking to attract new customers who may be out for a day of window shopping.

Likewise, buying property next to existing businesses with similar customers may be a great way to work with your neighbors to create a one stop shopping experience. Today’s customer who notices your sign can be the start of tomorrow’s word of mouth.

Aside from the location, the actual structure is the most important aspect of a commercial real estate purchase. Aside from space considerations, you must consider what elements are available to you within the property.

If your business is dependent on a high level of internet activity, you should seek out property with stable, high speed internet available to each of the spaces. If your business is retail oriented, you will need large floor plans, preferably with a certain level of window space available for passing shoppers. Restaurants, bars and certain service oriented businesses will need kitchens, bars, or special pluming needs.

While today’s economy is victim to many up and downs, particularly in the real estate market, those in the market for a commercial space may be able to find a bargain. This is especially true if you are able to find a ‘fixer-upper’ property that can be retrofitted for today’s business needs. As real estate prices once more rise, these commercial properties could become a source of new revenue for the future.

No matter what kind of space you may need for your business, trained and helpful real estate agents will be able to aid you in your search for a new commercial real estate property.

Real Estate Services – Business Immune To Internet?

Real estate services business is one of those verticals with an overwhelming number of websites. There are thousands of websites with apartments and villa listings. But does it really mean that this internet model of business generate a proportionate amount of revenue? Well, not really!

By many ways real estate services is one of those businesses that are ideally suited for a net based model. On one side you have a seller who wants to sell his property and other side you have a buyer who wants to buy a similar property. The seller lists the property for sale on a website. Prospective buyers finds it on the site and if found suitable, the buyer and seller come to an agreement for sale. No searching for agent, no commission. It all looks so simple. But it seldom happens that way.

The sale of a property incurs an agent commission of 2.5 to 6% (depending on your country, region, agreement with agent etc) of the sale price. The above described scenario means only a small listing fee to be spent by the seller. Consider the online recruitment business where a similar situation exists. It has done very well unlike real estate websites and sites like monster.com and hotjobs.com have a high brand recall. But a similar success is not found for real estate services websites. Spare a few like loopnet.com and costar.com which has found success in the commercial real estate sector. The truth of the matter is that the real estate multiple listing service (MLS) and agents tightly guard the seller data and other information. However, some other reasons also exist.

A real estate listing, unlike a job listing, needs to provide more information to look credible for the buyer. Collecting the required data, pictures of the property, (even videos some times) recent sales data, above all removing outdated data from the database, all this needs money to be spent.

Not all those who buy and sell property are negotiators. The agent claims to be one and normally takes such a role. But on most cases, they just make both the buyer and seller feel good about the deal. Both parties feel they negotiated and got the best deal. Also, not everybody wants to publicize that their property is up for sale, especially for commercial properties. An agent is entrusted to find buyers for the property.

There can be a solution for most of these issues. A real estate website can still provide the first level of information to seller. At least it can narrow down the search to a few properties of ones choice. With a little effort one can get additional information necessary for deciding the suitability of that property against your requirements and budget. As for confidential listing of property, this can be incorporated in a website. For example, KeralaListings.com a property marketing company hides the seller data and other traceable information from a property listing if tagged ‘confidential’ by the seller. This listing appears in search results for the given parameters and the prospective buyer can email the seller of his interest in the property.

As real estate websites adopt steps, to provide information which is updated and verified, this business model will gradually pick up. Though the cost of maintaining such sites is slightly more, this should gradually increase public trust on this model. Even with all this, the cost of property transaction can reduced considerably. Not to mention about the time saved for finding a property.

Live Chat Software – Convert Site Visitors to Customers

As an online marketer you would definitely have spent a lot of effort to get visitors to your site. However, are you doing anything to retain them and convert them to customers? Do not commit the mistake that many marketers are guilt of – doing nothing to retain visitors. One of the simplest ways you could engage their attention is by using live chat. In fact, you can use live chat software to get this done with a surprising degree of ease.

You might already be using email marketing software to send personalized messages and newsletters to your existing and potential customers. Live chat software is equally easy to use and it is as important for your business.

It is indeed very important to get many visitors to your site, but not all of them will stay there. You do need to ensure that you have high quality content that will be interesting to them or else they will exit the site. At the same time, if you have a chat box you will be giving your customers the opportunity to get their questions answered quickly and with the least possible fuss. You risk losing your customers to another website if you cannot answer their questions to their satisfaction.

There is another advantage to using this software. You will also be able to analyse exactly how your customers use it, thereby enabling you to use it more effectively. For instance, you can get reports on exactly what your customers are requesting when they come on chat. You can also find out when they are most active so that you can devote more resources to that particular time slot. You can also track all the pages that your visitors view when they come to your website. All this data will enable you to customize your services better so that you can induce visitors to buy your product or service.

You need to ensure that you buy the best possible live chat software in order to get the greatest results from it. Be sure to buy your software from a reliable company that will give you as much customer service as you need as well as lifetime upgrades. As a matter of fact, you should buy your software from the same company that provides you with email marketing software and other business solutions so that you can integrate them fully for the best results.

Online Shopping for Clothes: Tips and Facts

Nowadays online shopping for fashionable clothes has become very popular all over the world. It seems that online shopping for apparel is much more convenient. Consumers have this great opportunity to browse an international clothing market at the simple click of a button.

Undoubtedly, online stores for clothes have become the new hit. Today you can buy everything from an e-store – from the socks and the underwear, through women and men tops to the sportswear and the coats, including fashion accessories such as hats, bags, you name it. You can shop while drinking your coffee at home, during your break at the office, at any time, at any place. You had a busy day at work and it’s already late in the day, and you have a party approaching – the perfect solution is to lounge on your couch and start browsing for online shop offering clothes that match your style. Also, many e-shops make big season sales and discounts for holidays.

Yet with all the advantages of the online shopping for clothes, there are some flaws. You are not able to try out your clothes to see if they fit you, you can’t feel the fabric either. I am offering you some easy-to-follow tips for a successful online shopping inspired by the many online shopping woes of customers around the world.

  1. Look at the return policy
  2. Before you buy your clothes online, read the return policy. Loyal clothing e-shops offer returns. Mistakes happen and it is always good idea to have a backup plan. Make sure that if it turns out that you need a different size, or you have changed your opinion and you want to buy something else, you can return your purchase to change it.

  3. Chart sizes
  4. Take into consideration that different countries have different sizes. Many customers underestimate this fact. When you are choosing your size, make sure you choose the right one. Most online shops for clothes offer chart size legend where you can see in detail what measures stand for each size number.

  5. Fabric content
  6. Since you cannot feel the materials of the clothes, read the fabric content. All good online clothing shops note the fabric content of each item in detail. Do not rely on an image to buy your clothing online. You are more likely to be unfortunate surprised with your choice.

  7. Research your online clothing store before buying from it
  8. There are clothing e-retailers that are quite disloyal. Often you pay for something that turns out to be different from what you have expected. Sometimes purchases take a lot longer time to arrive etc. You can find a lot of fashion forums, blogs about apparel and social networks where you can search for a loyal clothing e-store like SpiralFashion.com that offers trendy apparel.

Online shopping for clothes saves time and money, but do it the right way. Shop reasonably.

Current Trends in Bathroom Remodeling

Like fashion or furniture, remodeling bathroom follows trends. Functionality and innovation in style sweep the nation. Trends keep changing within weeks or months rather than a year or two as they used to. This hardly gives trend conscious homeowners who are planning to start a bathroom remodeling project, the time to catch their breath. So what’s new now? What’s in, and what’s out?

Homeowners prefer a more comfortable and personalized home. They would rather remodel their house than shift to a new one. In earlier days, remodeling was done only to improve the resale value. Now, people remodel their home for their comfort rather than thinking what a potential buyer would like. Main reason for bathroom remodeling project these days, is to increase value of the house and desire to make the home more modern.

Market trends

Compared to the last decade, average bathroom has tripled in size. Current trends in remodeling bathroom include cabinet holding sinks, which are taking on the look of furniture. Radius cabinets are increasing by the day. They add a subtle finish to the room. Wall hung cabinets are common. Shallow drawers are more useful for storage.

Key remodeling trends

Bathroom sinks have become brighter in the currents trends in remodeling bathroom. Bright colors are believed to brighten up a dull room in the house. One other popular method these days are the addition of acrylic or fiberglass sinks. Tub coverings also help in improving the bathroomís appearance. These are small tips to make the bathroom look good without investing a huge sum in a full bathroom remodel.

Wall papers or paints matching the color scheme of the bathroom are very popular these days. Current trends in remodeling bathroom include vinyl or concrete flooring instead of tile flooring. The concrete can be colored to suit the color scheme of the bathroom. This is particularly good as the there are lot of water exposure in floors and concrete flooring will last longer.

New Fixtures Can Make Fashion Statement

Changing fixtures is one of the current trends in remodeling bathrooms. Changing fixtures with gold and chrome are quite simple and popular these days. Clear plastic and resin handles which were very popular few years ago are out of trend.

Jacuzzi has replaced the regular tubs. Some also go in for a steam shower these days. It makes them feel refreshed and great right in the convenience of their home. Current trends in remodeling bathrooms have created a lot of innovation these days and are getting to be more affordable to a larger segment of homeowners. Many of them also install these items while constructing their house. There is lot more current trends in remodeling bathrooms which are optional and appreciated by few homeowners.

Not all current trends in bathroom remodeling suit everyoneís budget or taste. People who are keen in increasing the home value can consider implementing current trends in bathroom remodeling to increase the value.

Telemarketing Principals of Commercial Real Estate Today

The process of telemarketing does not work well in commercial real estate if you follow the typical model of ‘pitch and process’. The people that you call do not like to be subjected to a 1 minute sales pitch and questioning process over the telephone. You have to change the rules and develop some real systems to make cold calling or telemarketing much more effective for you. In one word you have to ‘connect’.

Firstly, and before I go further into this subject I would like to say that all commercial salespeople and agents should be making their own prospecting calls wherever possible. They are the best people to connect with their market because they understand what to say in a relevant way when hard questions are created through the telephone conversation.

When it comes to commercial property sales and leasing, there are really only two targets out of making cold call connections and telemarketing. They are:

1. You want to know if the person you are calling has a need or interest in commercial property sales or leasing or property management.

2. You should seek to create a face to face meeting where the person you call qualifies from the previous point, so that you can take matters further.

When you look at these two factors simply, you can see that you should not be meeting with people who have no genuine interest. Your prospecting calls should therefore be based around a conversation or connection and not a sales pitch or presentation.

The only thing that you are selling in the call contact process is an appointment, and you only do that when you know that the person really does have a need. Protect your time and only meet with the right people that qualify as ‘active’ or ‘interested’ in commercial property.

So the telemarketing or cold call process centres on questions and conversation. Through the conversation you can come to understand if the prospect really does fall within your criteria for a prospective client or prospect. On that basis you can then arrange a meeting as appropriate.

Here are some rules that should be merged into your prospecting scripts:

  1. The people that you talk to want to be involved in the conversation. On that basis you need to ask sensible and realistic questions related to the property industry. Be sensitive to the fact that the person you call will not open up completely with you until you have established a degree of trust in the conversation. It is important that they feel relaxed and not threatened by a pushy salesperson. Professional salespeople create good connections over the telephone.
  2. Approach the first cold call or prospect call on the basis of a simple survey questioning process. The call should be about them and not about you. This is where the right questions will help you establish rapport. The reason for your call is to identify their potential property needs. Do not push for a meeting until you understand that they have a genuine need or an interest.
  3. Be prepared to introduce yourself and your business. Be honest through the conversation but allow the prospect to talk at least 50% of the time. It is of great benefit to have a simple script to get the conversation going. Beyond that starting point, Uncategorized conversation should flow and the script should be irrelevant. Your target is to get conversation moving inside of 20 seconds. A good conversation leads to information and potentially a productive meeting.
  4. If the person is unwilling to talk to you or be open and frank in the discussions, then thank them for the ability to speak with them today and then move on respectfully and politely. There are plenty of people to talk to and on that basis you need to move to the next person or the next opportunity.

There is a real skill to the prospecting and calling process. If you diligently adopt the discipline behind the task, you will find that progress will be made within about two or three weeks of making calls.

Hire the Right Tree Removal Company For the Job

The tree removal company offers services related to trees, including tree removal, tree trimming, stump removal, tree thinning and pruning. The companies provide services to residential as well as commercial properties. They comprise of experienced arborists or trained men who safely trim trees, saw them, remove their stump or prune them for you. They also carry out bush or shrubs clearing or clearing the mess left after a storm. Some of these companies also provide landscaping solutions. You could approach such companies in case of emergencies like storm also. Report sudden tree falls on your property immediately to these companies.

The important point is that companies that offer this kind of services ensure that work completion is safe and effective. Emphasis is on human life and taking care reduces the odds of an injury occurrence to any individual. In case there is a power cable down due to a tree fall, it is not easy to handle the situation. The power cable could be hazardous and it might be quite a task to remove it carefully, without causing a regrettable situation. The professionals working with such companies have intense training to handle situations like these.

The next priority is to save trees. Trees are very important for the environment. The professionals for any tree removal company are able to mitigate the loss of trees after a terrible storm. In case the storm continues, they know what to do to prevent a risky happening once again. It might not be possible for you to assess, which trees you could salvage without endangering the lives of people, animals and properties. You may not know which trees you should discard. Experts who are skilled in such services will advice you on how you can save trees that can grow even after the storm.

The arborists might advice you to support the tree, provide some kind of cabling, or support that would enhance the life of the tree. They try to provide alternatives to tree removal. Weak trees need to protection and intense care. If you provide adequate support, then it is possible to save them. Moreover, if you support the trees perfectly, then it is possible they will withstand a storm. This will save your property, home or cars from in case there is a dangerous storm coming.

The tree removal companies will advice you on how to prune the trees, to beautify them and make them stronger. They know which branches are dead, are broken or have diseases that you should eliminate. This will prevent unwanted growth of fungi on them. Thinning of trees is very essential to improve the landscaping. Trees that grow out of proportion do not fit well in the garden and look tacky. They need thorough trimming from different areas so that they look beautiful in the garden. There also could be situations where branches hanging from trees obstruct driveways or pathways.

You need to have the company remove them for you or to clear the pathways. Then at times, weak branches that are about to break off from the tree might just be hanging loose. This could be dangerous as it could fall on any one walking beneath, causing unfortunate accidents. The experienced companies provide all such services. As you can see, a tree removal company provides a host of services relating to trees. Its skilled manpower knows how to deal with different situations. You must hire company services for a proper and systematic handling of tree-related problems.

A Resource Buying Guide For Internet Marketers

The “make money online” crowd is probably the most actively targeted niche market on the internet. Which is quite ironic when you think about it; “The hunters become the hunted.” And it’s not surprising we are so serviced with offers continually, the truth is we are, on the whole, information junkies. We are suckers for a good ebook, report, or video.

The problem is that an over supply of internet marketing tools (even good ones) can leave you feeling overwhelmed, unproductive (too busy reading about internet marketing to actually DO any), and flat broke!

So how do we filter the offers we are bombarded with, so that we invest sanely in our education and resources?  Let me offer this simple “buying guide” to help.

When you boil it all down there are basically 4 different kinds of products on the market, and you have to be able to recognize them so you don’t waste your time and money:

1) Basic training guides & tools. Everyone needs some of these, but you don’t need to be buying 10 versions of the exact same information.

2) Advanced techniques. These are the “Shazaam!” products.  The ones with truly unique and creative ideas. If I can identify which ones these are, I’ll buy them all day long. If I can get ONE really good, repeatable idea, it is money in the bank.  The caveat, though, is you’ve got to actually implement them – otherwise you’re just wasting your money, and spinning your wheels.

3) Tools that make life easier.  These are OK if you’ve got disposable money to spend on them, but if you’ve got a limited budget (like most marketers that are still getting going) you’re probably better off spending it where it can be best leveraged for the most effectiveness.

Case in point: At the time that I’m writing this article I’ve been getting emails all week — I’ve had at least 15 just today – promoting a particular hot product.  The free teaser report is great — it includes a couple of really exciting ideas (see point 2).  However, when I looked at what is actually being offered in the main package – 8 software programs that collate information in various forms from around the internet — they’re all really cool tools, but they are nothing that you can’t already do yourself for free. Cool, but not necessary. Convenient, but not essential.

4) Snake oil. These are the products that are thrown together to make sales to newbies, but they do not work. They are bad advice. You’ll discover that usually the author hasn’t had any success with the method he’s teaching at all, but he can make a few bucks wasting other people’s time with it.

So, when you’re considering buying resources to help you build your online business, read the sales copy discerningly.  Honestly evaluate the product and classify it in one of the above 4 categories.  Then it’s a simple decision to make the appropriate response:

Category 1:  Buy it if you don’t already have a product covering the same topic, or if you are reasonably convinced that your understanding is going to be increased sufficiently to justify the investment.

Category 2:  Buy it, and DO something with it! Don’t procrastinate — take action.  Winners are taking imperfection actions while others are still formulating their “perfect” plans.

Category 3:  Buy it only if you have surplus cash, and don’t mind blowing some on a luxury — because that’s what it is.  Ask yourself, “Could I leverage the money I’m about to spend on this to better effect in my business?”

Category 4:  Click that little “x” button at the top of the browser window, and be proud of yourself that you’ve developed the wisdom and experience to stop wasting time with that kind of rubbish.  If you already bought it before you figured out that its “snake oil”, ask for a refund and chalk it up to experience.

Buying is far more an emotional decision for us than we “savvy entrepreneurs” would care to admit. Anything we can do to take pause and inject some thought into the process will save us time and money. This buying guide offers a place to start.