Don’t have time to create content for your site? Join the club. Many other real estate agents are in the same predicament. They need web content to increase site visits and boost search engine rankings, but don’t have the time to devote to everything else that they need to be doing. So, they use pre-written content.Everyday real estate prospects are logging onto the Internet looking for information, but are often frustrated with results that are full of sales pitches, but lacking in helpful information. Astute marketers are recognizing this and are and using pre-written real estate web site content and marketing reports to their advantage. Prewritten web content is a growing phenomenon and many agents are changing their marketing fortunes using it.Whatever you’re advertising – your services, listings or whatever – a website with great content is a great way to do it. If you market online long enough you’ll discover that the most effective web sites have customized content that site visitors love, and when visitors like them the search engines do, too!It can take months, and in some instances years to personally write enough web site copy to have an effective, lead generating web site. On the other hand, you can purchase volume content for pennies on the dollar and upload it to your web site in minutes. So, why settle for adding a page 1-2 times a week when you can add hundreds of pages whenever you want to.Yes, well written, unique content will get you noticed by human visitors and search engine spiders alike. And when prospects visit your informative and helpful site they’re more likely to do business with you because of it. And just in case you don’t know it, the more web site pages you have the more visitors you’ll get, which makes for even more leads.While most real estate web sites appear to have just a few pages, the more dynamic ones frequently have hundreds of hidden, hard working pages feeding the search engines and directing visitors to them. Everyday you read about the next best thing to grow your business. Whatever you’re advertising – your services, listings or whatever – a website is a great way to do it.Connect with prospects by educating them about the home buying and selling processes. Whatever you’re advertising – your services, listings or whatever – a website is a great way to do it. While it might not be right away, or as soon as you’d like, they may eventually they’ll contact you for assistance.An effective web site is integral to your long term success as a real estate agent. A well designed one can drive traffic to your site and by way of the content rich web site pages on it, pages that will be indexed by search engines.So, stop struggling with what to say and start using prewritten content; content ready to use as letters, web site pages, real estate marketing reports, brochures, flyers, mailers, etc. Use them “as is” or make them uniquely yours in a matter of minutes! In any regard, if you don’t have any I encourage you to get some, as they’re on of the fastest and most economical ways to add value to your web site and generate more real estate leads.Summarily, when you need consumer information for your web site, think pre-written reports. With them you can increase site visits, boost search engine rankings, generate more leads and ultimately make more money. Perhaps that’s the biggest benefit of all!
Term Vs Permanent Life Insurance – Weighing Your Options
If you are trying to figure out between getting Term or Permanent insurance, this article will discuss the pros and cons of both types of insurance and will help you decide which is the best form of insurance for you.Benefits of Term InsuranceTerm insurance is the most popular form of life insurance that people buy. The reason most people choose to buy term insurance is because term insurance is the most affordable type of insurance coverage. The reason why term life is the most affordable type of insurance is because term insurance does not last forever.When you buy a term policy, you typically have options for the length of the term coverage that you will have. Options typically include, annual renewable term, 10 year, 15, 20, 25, and 30 year term insurance. The longer term period that you choose, the longer you get to lock in the price and coverage for, and thus the more money the policy will cost you. Most young people should get at least 20 year term coverage.The other benefit of term insurance is that some insurance companies allow you to convert your term life policy to a permanent insurance policy without evidence of insurability. This can be helpful if you can’t afford permanent coverage when you buy a policy, but you want to have that option in the future.Many people who choose to buy term coverage do that because they want to get more insurance for their money, and believe that their need for life insurance will only last a certain amount of years. For example, some people buy life insurance to protect their family in the years that they have a mortgage payment obligation. If that is the case for you, then buying a 30 year term policy to match your 30 year mortgage might be the best choice. Other people buy term insurance because they want to have life insurance until their kids are able to support themselves. In these cases a 20 or 30 year policy might be the best choice as well.Permanent InsuranceIf you need to have life insurance that lasts your entire life then you are probably looking at permanent life insurance options. What are some reasons why you might need permanent insurance?If the primary goal of your insurance policy is to leave an inheritance for your children, then you might consider a permanent insurance policy. You might also want to have a permanent policy if you are older than 50 and have a much younger spouse that relies on you for income. If you need to make sure that your spouse will have funds to maintain his/her lifestyle in the future, you should consider a permanent life insurance policy. If you have a special needs child that will forever rely on you for support, a permanent insurance policy would also be the best choice. Lastly, if you need liquidity for estate tax purposes at death, you will also need a permanent insurance policy to ensure that funds will be there to cover estate taxes.Choosing Between Term and PermanentIf you still aren’t sure which is the best way to go for protection for your family, you should compare rates between various types of insurance. Getting an idea of pricing may help you decide which is the best option for you and your family.
MMORPGS: World of Warcraft, a Review
IntroductionIf you’re into computer games, you probably have heard of World of Warcraft, the latest hit produced by Blizzard Entertainment, and you’re probably aware what an MMORPG is. If you’re not, let me explain it quickly. A MMORPG is a massivly multiplayer online roleplaying game that allows thousands of players to play in a persistent game world.World of Warcraft currently entertains close to 7 million people world wide. It has drawn many of the mmorpg veterans but also introduced a lot of new people to the genre. Why is world of warcraft so successful? Well. I think it comes down to more than one thing.First of MMORPGs are usually not that easy to get into, often the player is presented with a akward interface, tons of options and a lot of things going on around them in general the first time the log onto the game. Blizzard has done a pretty solid job in keeping the interface simple and stupid, allowing even newbie players to get into it at a quick pace. Hints and Tips help guide the true MMORPG newbie along as well. When the developers of the game created the interface, and gameplay in general their goal was for it to be easy to get into it, but to be hard to master.They have definitely accomplished the first part, the second part can be argued about. What defines a good player in an MMORPG basically comes down to two things.1) Does he know his character and the abilities2) Does he pay attentionThere are no twitch skills involved, and in my opinion if youre looking for a competitive game, current mmorpgs – including WoW – are not the place to look at. If you want skillbased competition stick to RTS and FPS games.The second thing that makes wow so successful is mostlikely the name of the producer and their huge fanbase – which they deserve by all means – after having released such great games as the diablo and warcraft series, which were all huge hits.Let’s get to the review part 
Character CreationLike every MMORPG or MUD out there the journey always begins with the character creation. You get to pick your site – alliance or horde , your race and a few visual features. Character customization is definitely one of the game’s weakest points, the diversity and amount of features to select and change for character remind of Everquest which was released almost 8 years ago. You get to chose* between a handful of faces* skin tone* between a handful of haircuts* between a handful of facial hair styles* hair colorIt is probably not a huge deal, and its certainly nothing game breaking, a bit more would have been nice though.First stepsAs you take your first steps within WoW, getting used to the user interface, you will quickly notice that the game is very quest driven. You can earn most of your character’s experience via quests, you will still be grinding mobs for exp once in a while though.The starting quests also lead you along nicely, out of the starting area to the bigger towns and into the deep dungeonsThe worldThe amount of detail that was put into the world of warcraft is amazing and stunning. The cartoony style may not be everyones cup of tea, but whether you like it or not you cannot dismiss that the world has a lot of character. It is filled with content too, and you will find yourself stumbling from point of interest to point of interest.The dungeonsThe dungeon instances, which are zones that belong to you and your group, while pretty linear most of the time are also amazingly done. The boss encounters are fun, and the best loot is gotten from doing instance runs. The dungeon instances are supposed to be the group part of the game (aside from pvp) and it would be unwise to enter them alone unless youre like 20 levels stronger than the mobs inside the dungeon.The way to 60, and beyondMost people ive talked to tell me they have the most fun leveling their characters to level 60, because it is quick paced most of the time, and only slows down rarely. The quests are done well, and there is just so much to discover.Once you hit 60 youre basically stuck with three things to do thougha) do instance runs (raids) for itemsb) grind monsters for moneyc) pvpNow this might sound as if it should be enough. But the core problem is this: there is no character advancement beyond 60 other than getting items. These items are gotten by raiding elite dungeons with your guild, playing the bazaar game or by gaining rank while pvping.Right now, if youre a raider, you raid so you can raid more. There is no reason to take that super dagger of stabbing into a normal 5 man dungeons and just carnage stuff left and right, other than for the sake of carnageing – is that even a word.The game at this point, 2 years after its release, direly needs some alternate advancement, luckily the expansion (The Burning Crusade) is right around the corner, so that should help out some for now.Server IssuesThis is were i have an axe to grind, so pardon my rantEver since wow was released , the game has had severe sever stability issues. I guess they did not expect the kind of amount of people to buy the game back then and got surprised. Not a big deal, most of the MMORPGs face server issues the first few days of the game’s release, even if is not as popular as wow.But even after 2 years of development it is sad and annoying to see that the same server problems still exist, while not as severe, and the servers need to go down for maintenance weekly.Content UpdatesWe all know it, Blizzard likes to do things correctly, and they always take their time. The thing is, that this is a MMORPG. People need to be handed new content almost constantly, waiting 3-4 months between content updates that deliver content that was promised to be in the game when it was released just seems weak. Then again i can certainly appreciate the amount of work that must be needed to create the content. It wouldnt be so bad if there was actually some way of alternative character advancement.This review may sound a bit harsh and dont get me wrong, WoW is an amazing game, and what the artists did is just mind boggling. I leveled 3 characters to level 60, and as i was progressing along through the vastly different world zones of the game there was always this thought on mind.Wow is an amazing online world, but it is as if they do nothing with it. Where is the dynamic world, that i imagined when i first read about WoW in 2002. There has been a world event of the opening of a raid instance that involved the players gathering resources for a month or two and then battling in a war like scenario to unlock the dungeon. While this is definitely a step in the right direction it is not enough. Next generation MMORPGs need to be developed with dynamic behaviour in mind. The world needs to change and feel less static.FazitWorld of warcraft is a great game, and you will definitely enjoy leveling your character. After that it is uncertain, you will have to see for yourself. Doing raid instances can be fun, unless you dont like to rely on people. PVP can be fun too if youre into that kind of thing. Heck, even trying to amass huge amounts of virtual money can be fun to some people.
One Consumer’s Observations of the Mental Health Care System in America
The mental health system is a unique culture. Psychiatry itself is, unlike any other medical specialty. Mental health is an enclosed system. That means it is a world within a world. The doctors, therapists, patients, and support workers play roles. It’s a reciprocal environment. Each player in the system allows the other person the opportunity to act out his or her role. For example, the psychiatrist gives you a diagnosis that has no basis (Yes this does happen from time to time). You, the patient, having complete faith in the powers of the behavioral health system, accept this diagnosis as the gospel truth. In time, you begin to notice certain behaviors and thoughts that you believe may be a sign of your supposed illness. You return to your doctor and report these symptoms. Your psychiatrist agrees with your observations and writes them down in your medical record. He also inserts his authoritative comments to support his opinion. Therefore, both parties in the relationship are mutually validated in their roles.When one has been playing the patient role for so long, a person begins to identify himself or herself as a “psych patient.” That’s who you are. This is the term that defines your very existence. You belong to the mental health system. Soon enough you find that every activity you engage yourself in is related to your disorder and the medication your doctor prescribed to suppress it. It’s a sad commentary indeed. It’s sadder still for the person who needlessly struggles against an undefinable defect in his or her character as if the diagnosis were the irrefutable truth. I acknowledge the fact that the unsettling scenario I am painting here is not true for every psychiatric patient.At some point, the psychiatric patient discovers the benefits of being labeled mentally ill. There are mental health workers, such as case managers who assist the “consumer” in obtaining a free living allowance from the Federal government in the form of Social Security Disability Income or Supplemental Security Income in whatever minimal amount it may be. I will add for comfort that social security disability benefits are reported (by the government) to run dry in 2016. A consumer is often entitled to free housing, health care, food assistance, and much more. The mentally ill person may even have the right under certain disability laws to bring a pit-bull into a no-pet residential community. Technically speaking, you could even take it on a commercial airliner. The reason is simply because your therapist deemed it necessary that you have an emotional support animal (oops was that a secret?). Don’t get me wrong. I’m sure there are people who require a companion animal for their emotional health. I’m not trying to be disrespectful to those who are struggling. What I’m saying that there are incentives built into the system for many people to accept their diagnosis and play out their role.There are case managers and outreach workers that will go to court with you, and advocate on your behalf before the judge when you run afoul of the law. They will help the mentally ill with all of their personal affairs. What a bargain! Run out and tell all of your friends about it. Let the government take care of you. It makes being a psychiatric patient seem so much more attractive. Why wouldn’t anyone want a psychiatrist label to them disabled? Again, I’m being sarcastic to make my point that people, who are improperly labeled with a DSM V diagnosis, run the risk of becoming dependent on the mental health system for their needs.This kind of social welfare encourages people to give up their ambition and motivation. It instills the idea that living a marginal existence is sufficient. I, for one, believe in the greatness people can achieve for themselves and the world by applying themselves.Remember this. Once you get into the mental health system your chances of getting out are slim. There are a number of reasons for this. Primarily because the psychiatrist or psychologist has you convinced that you have a serious medical problem, which you can’t handle yourself. We all know that’s ridiculous. Many people manage their depression and anxiety remarkably well without the use of psychiatric medications. If Ativan calms your nerves and helps you function, then that’s great. On the other hand, I have seen plenty of people become addicted to sedatives. These drugs are unsafe. I wouldn’t put your faith in the safety of the anti-depressants either. I think the pharmaceutical giants are quick to point that out as a result of the numerous class action lawsuits filed against them.Some blame can be placed on the pharmaceutical companies for this unnatural drug dependence. As I was writing this article, I surfed NAMI’s website (National Alliance for Mental Illness) and noticed “In Our Own Voice,” a public education program, is funded by a grant from Eli Lily. This is the pharmaceutical giant that manufactures psychiatric drugs like Prozac, Zyprexa, and Cymbalta. I gather (without too much mental effort) that Eli Lily’s generosity is a publicity campaign to make them look like one of the good guys in the mental field, and as a result, boost sales. As I surfaced the Internet, I found that NAMI has been receiving their fair share of criticism for their questionable association with pharmaceutical companies. I will not say NAMI is immoral or unethical. That would be too easy. If Ely Lily offered me thousands of dollars, I would have to seriously consider taking it. Sometimes the decision to cross the line depends on one’s real life needs. Other times it just has to do with making a buck. There is no denying that this kind of corporate misconduct adversely affects the mental health system and exacerbates the suffering of its consumers. Again, I know some people require the assistance of the pharmaceutical companies and the psychiatric community. The screening process for prescribing these medications is a big part of the problem. That’s because there is no adequate process in place for dispensing these potentially dangerous drugs.Society itself contributes to this dysfunctional culture. The general attitude of the public is “As long as they are not bothering us you can do what you please with them.” This gives the mental health providers even more authority to do as they please. And so the psychiatric patient is stripped of his or her rights. As I see it, a psychiatric patient is a human being without respect or dignity. You can call my words dramatic if you like.It may seem as I am playing the blame game and the taking on the victim role. Allow to clarify the role of the patient in the mental health system (those like myself). I will be the first to admit that the informed psychiatric patient is the one who is primarily responsible for his or her unfortunate situation. We have to accept our role in the system. No one can twist your arm behind your back, and say, “Go see a therapist about your anxiety.” At least that’s true in most cases. When you reflect on why you did it, you will say, “It seemed like a good idea at the time.”The worst thing a mentally ill person could ever do, is telling someone about his or her condition. As soon as you do, the other person looks at you differently. An automatic flash goes off in the person’s brain, “Oh God. Here we go. His illness is acting up.” This attitude is especially noticeable in the face of a mental health professional, your family members, and closest friends. It’s a universal reaction. From the moment you reveal your secret, everything you do will be blamed on your illness. The ways in which you express yourself as a normal human being will be measured against your supposed disorder. If you are frustrated about something, the people in your life will conclude, “His meds aren’t working.” When people think you cannot hear them, they will gossip amongst themselves, “Oh he’s a psych patient. That’s why he looks agitated. That’s part of his illness.” This attitude is quite common. It comes from a lack of understanding. How could a person know, unless he or she has personally experienced it.If you should attempt to verbalize your rights as a human being, the mental health provider will proceed to have you committed to a psychiatric hospital against your will. The patient can be held for an indefinite period of time until a clinician decides the person has come to his or her senses. The mental health professionals can essentially do whatever they want with you because no one is going to speak out against them. In Massachusetts, psychiatric patients must retain a specially trained lawyer to represent them before a mental health court in order to be released. This is where we are in 2013. I’ll bet most of you reading this article didn’t know how our behavioral health system works. We are still in the dark ages.The only time the state of the mental health system is brought to light is when a patient commits suicide or kills someone. Then there is a public uproar and the psychiatrist or therapist are blamed or in some cases sued. In their defense, no doctor can control the behavior of their patient in society. That is not their job as I see it. The mental health professional cannot be held responsible for the actions of their patients, unless they were grossly negligent in some way. We are free and sovereign human beings. In the United States, people are generally allowed to operate freely without undue interference from others. The American attitude is “No one has the right to tell me what to do.” It’s a slightly different story if the patient states that he or she intends to commit suicide or kill someone. Then the call to duty is activated.