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.
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.