Launch In HD Network Marketing System

Launch in HD is a new multi level marketing opportunity. When you are looking for an MLM biz op, chances are that you would want to find one with some great products in an up and coming niche. You want one that is lead by industry experts and has the finances in place to ensure the company’s longevity. Finally and most importantly you would ideally be looking for a multi level marketing business that you can get join early so that you can maximise your profits.

Well it seems that Launch In HD is all of these things but before we jump in with both feet, let’s look a little closer at the opportunity. LHD is in pre-launch at the moment and is due to kick off mid July (in fact there is a count down clock on the main website itself detailing exactly how long before launch). At the moment you can sign up to lock yourself into a position known as the “straight line pay plan”. The company say that when you secure your position people will be placed below you whether you sponsor them or not and this means that you will be paid on the people below you.

So what are the products and cost to join?

The company has placed itself firmly in the health and nutrition market and will offer a variety of products including whole food based products and energy boosters which use natural ingredients. LHD say that all of their products offer solutions to problems that many people can relate to such as products for irritable bowel syndrome as well as products for feeling fit both mentally and physically. On the surface they are well though out and seem to be positioned to capture a growing market trend.

The cost to join Launch HD will be $35 (although at the moment it is free) and this is for a fully customizable website, back office support and training materials. There is no mention of whether or not there are any ongoing fees, but even so at a starting cost of $35 it seems a pretty affordable price for a start up business.

So what about the comp plan?

The company are keeping fairly quiet about exactly what the comp plan entails however it promises to pay out bonuses on retail profits, fast start, quick level bonuses, and double income opportunities. On the face of it, Launch In HD doesn’t disappoint and could be pretty profitable for the right person. However like all business opportunities it might be an idea to look into it further before you invest any money. One thing is for sure, there is a certain buzz around this company but what you have to keep in mind is that this is simply an opportunity and if you don’t know how to market or sell your products leveraging the internet most likely you will struggle.

Secrets to Selecting Clickbank Products to Promote

There are numerous products in Clickbank but are you promoting those that are making money or are you still hanging to a product that is not converting.

The worst thing that can happen is you are promoting a product that are experiencing a lot of returns or products that are not selling well.

Therefore you must learn how successful affiliate marketers choose the products to promote.

1) First of all, you need to know where to find the information regarding the number of return for the product you are interested to promote. The best place to do that is cbtrends.com. I use this platform to search for more information other than that provided by Clickbank.

2) High gravity does not always mean good conversion. Affiliate marketing is a demand creation market, it is through the large scale promotion by affiliates at the same time that usually result in huge sales for that period. This is especially true during product launch period where all marketers are promoting similar product at the same time to create the demand. It is during this demand creation period where 80% of products sales are made. Once it is over, there is only 3 to 4 sales everyday as the market is already cold. Therefore you need to know roughly when the product is launched so that you can gauge if there is still a market for this product.

3) The quality of the sales letter. There is nothing more worrying for any affiliate than promoting a product with lousy sales letter. It can be lousy in term of copywriting or in term of website design. Therefore you should only promote stuffs that you yourself will be tempted to buy.

Ten Myths of Structured Products

Myth 1 – They won’t work in portfolio planning

Structured products are often considered as stand-alone investments and compared as direct alternatives to for example cash, equities or corporate bond funds. This approach is based on limited understanding of how to construct investment portfolios that manage risk and create asset diversity.

They work best when used in conjunction with other investments where the defined returns and capital protection can be used to balance, perhaps, higher risk unprotected equity strategies or in lower risk portfolios to offer better than cash returns without risking capital.

In sophisticated portfolios structured products can also offer investors access to other assets or markets such as commodities or emerging economies with capital protection where investors can benefit in any uplift without directly buying into the market. This creates asset diversification into potentially volatile markets without necessarily increasing risk to capital.

Myth 2 – They are too complex for retail investors

Just as there are many kinds of mutual funds, there is great variety within structured products. Depending on their needs investors can select from the vanilla to the complex, similar for example to buying open ended tracker or hedge funds.

What makes structured investments stand out from the crowd is their transparency over how their returns are calculated. Payouts are often described as a formula based upon well known world indices with a specific investment horizon. Such products allow potential investors to clearly understand how a product will perform, both from a positive performance and downside risk perspective.

For a provider of a structured product to deliver transparent payouts that often differ from more traditional funds, products are hedged internally, a task that often needs derivatives. Considered in isolation derivatives are complex, but within a structured product they simplify investing because providers can define investment risk. It is perhaps the success of structured investments and their transparency, that there is a desire to understand these elements.

Myth 3 – Investors cannot get out of them when they want to

Structured investments are designed to payout on a given day in the future and as such are designed to be held until maturity. Terms often range between one and five years depending on the product.

This fixed term nature is often misunderstood as meaning that there is no opportunity, no matter what an individual’s circumstances are, to exit a structured product prior to this maturity date. This is often not the case. Within Europe there is a vibrant and active secondary market in structured products, and there are many possibilities where the ability to sell such products and potentially realise any gains made, can form an important part of a clients regular portfolio review.

What investors must be aware of is that all fees are predetermined and taken upfront on a structured product and there are many market attributes that can affect the current price of a structured product such as interest rates, market volatility (as well as the index level be) and time to maturity. The impact is that even for products offering 100% capital protection, investors can get back less than they invested if they chose to exit a structured investment early.

Myth 4 – Investors can’t access them in the same way as funds

It is true that financial advisers and investors have historically not been able to invest in structured products through fund platforms. Which is in part been due to the infrastructure challenges of adding fixed term structured products to such platforms.

However, the market is evolving. Platforms are listening to the demand from financial intermediaries and investors and some already offer structured products from selected providers.

Myth 5 – They underperform unprotected equities

Structured products can under and outperform unprotected equities depending on the structured product, the type of equity that is being compared and the prevailing economic environment when the comparison is made. The clear difference between unprotected equities and structured products is that the potential returns from a structured product are clearly defined and there is usually a degree of capital protection, which many investors find attractive when making the comparison.

Myth 6 – Consumers cannot judge risk since providers don’t disclose the counterparty or credit risk

A number of providers in the past used the credit ratings of external agencies, such as Standard & Poor’s, to describe the counterparty risk associated with a product. As the Lehman’s event showed, a greater level of disclosure was felt necessary for retail investors. Today the leading providers of structured products take particular care to provide information such as naming of the underlying counterparty and education relating to counterparty risk.

Myth 7 – Investors should avoid structures because they don’t benefit from share dividends

Structures often link the performance to the growth of an index, for example the FTSE 100. Normally the index chosen is known as a price return index which tracks the growth of underlying equities but does not include any dividends.

The reasons for this are clear and transparent. Structured investments are designed to deliver specific returns based on expectations of market growth, often providing a level of security against market falls. Defining returns in this way means it is possible, in simplistic terms, to exchange one feature for another to create different returns.

Dividends are a good example, as often their positive ‘value’ can be used to help offset negative market risks – exactly the type of trade off that structured investments specialise in. However, not all structured investments forgo dividends and there are many products linked to assets such as commodities or emerging markets where there are no dividends.

Myth 8 – They are not always available

The market for structured investments has grown considerably over recent years and continues to grow. 2009 has already seen more than 900 product launches with October alone seeing more than 100 product launches (structuredretailproducts.com), indicating there is a varied and regular stream of products available.

Myth 9 – Investors can’t monitor progress of them

The structured investment market has developed rapidly and the ability for investors and advisers alike to monitor performance has been one of the many areas that have seen advances.

Many providers are now offering product-monitoring tools on their websites and the introduction of structured products on platforms will mean more tools like this will become available. Structured investments are not an investment panacea, but they can and do provide excellent investments that millions of investors currently hold as part of a balanced and well allocated portfolio. That they will continue to do so is not a myth.

Myth 10 – They are too expensive

As with all investments, there are fees associated that reflect the launch costs and expected profits. Whether it be the product research, creation of literature, distribution costs or indeed the cost of advice, these fees can be defined at the outset of a product’s design and thus allows such costs to be ‘in-built’ into any product returns. This is due to the fixed term nature of structured products which allows providers to offer returns net of any fees. This enables investors to consider whether the investment meets their needs without having to consider the impact of charges, which can be an advantage.

Does Dental Insurance Help in Almost Free Dental Care?

Dental care can be very expensive for individuals who do not have dental care insurance. It may require individuals to pay lots of costs or to even start considering options of dental tourism. Dental tourism may involve individuals traveling abroad to get dentist work done for them. Dentistry in other countries may be very cheap as compared to the one you are in. This therefore means that individuals should research on the best country to fly out to to try and get the dental treatment. Insurance from your employer can be very beneficial and will guarantee you cheap dentistry should you need any.

No matter how cheap a dentist visit may be, having insurance is the best option to take. This is because it can guarantee that you receive the best care and individuals can actually get a full check up for almost no cost at all. In this cases your employer will be the one covering your needs although using insurance it will be cheaper than paying for it directly. There are very many insurance companies out there that offer the best dentistry covers. All one needs to do is to ensure that they select the best option from the list. It should be the company that offers a comprehensive cover at the most affordable rate.

Dental insurance can guarantee the best health care system for your oral health. Individuals can always be sure that should anything happen they will definitely have the best treatment available at the right time. Insurance covers all needs and so individuals do not need to fill out the several procedures that individuals who do not have cover have to follow. All individuals need to do is to arrive at the dentists and they will decide what exactly needs fixing as an individual will not be billed for use of the dentist hospital.

Dental insurance guarantees individuals financial health.

Individuals do not necessarily have to wait to save up some cash for dentist system. Financial health in this case is most beneficial because without insurance individuals may have to pay expensive bills that do not even come with discounts. Having to travel long distances may require a lot of planning and in emergency situations it may be unrealistic.

There are very many online sites that can assist individuals to get the best dentist insurance companies. Insurance can be personal or your employer can do the application for you. Individuals can have their best options selected from all the ones that are available online. The companies should however be reliable and have a good reputation before you decide to take a cover with them. Online services can help you see the all the terms and conditions and you can read them out at your own time.