Word Brains

By Mark Schwartz

 Thousands of members have enrolled in Infinity100 since its introduction in the fall of 2009. Infinity100 is an Affiliate network Program that sells subscriptions to access its financial instruction video library and training programs. The principal focus of this membership teaching website is on How to turn into a successful trader and covers the trading in the forex market and the Stock market. The training is provided in audio, video and webinar format. Not only does Infinity100 educate individuals how to be profitable traders but it is also an incredible internet marketing system that gives members a perfect small business to resell to others.

Many individuals have enrolled in Infinity100 because they love the education and training products, while there are many others who have signed up just so they can bring in money pushing Infinity 100 as a business opportunity. And, of course, there are countless members that have joined for the products AND to bring in money off of the affiliate program.

What is distinctive about Infinity100 is its exceptional selection of educational products combined with a commission plan that pays out one hundred %. Team members also save a lot of money by never having to shell out management fees. All a member has to do is enroll just person into the business and all of their costs are covered.

The tiny subscription fee of 100 bucks can be misleading when you compare it to the majority of amazingly high priced stock trading programs being offered. Infinity100 is the genuine deal… it really works and very few people (even professionals) teach anyone how to do all of this. Infinity 100 has been a long time in the making. Peter Wolfing was able to find the few guys who really knew this material inside and out and he picked their brains over and over until he figured it out and came up with a system based on what they told him. Nearly everyone of the experts Peter interviewed didn’t know how to even explain what they do- it’s like instinct to them and they couldn’t communicate what they did in a step-by-step coherent way so he really had pull it out of them. Then he put together what he learned in bits and pieces and came up with the Infinity100 complete business system. You will be surprised at how profitable it can be and how simple it is to manage - just 15 minutes each day is all you need.

In respect to the Infinity 100 affiliate program, it may seem like a small ticket program but it pays out like a Big Ticket program owing to the subscription system. When you enroll a new member you earn one hundred dollars. When you sign up a 2nd and a fourth enrollee, their $100 monthly subscription fee gets passed up to your up line sponsor. It is what Peter calls his Reverse 2UP System. You pass your commission up to your sponsor for your 2nd and fourth person and you retain the commissions on your first, third and everyone else after your fourth referral. It may seem terrible at 1st to pass up your 2nd and fourth deal, but there in lies the true power of the reward plan. The 2 team members that you retained together with all new people from that point on will also pass two sales up to you. The Reverse Payout Plan provides you with one of the most impressive forms of earning leverage existing.

Keep in mind that if Infinity100 was based only on a $100 enrollment fee it would not be as exciting compared to the Reverse 2UP plan which pays you every month from every Infinity100 subscriber you sign up. Think of the astounding income potential with this new business. Think of it this way - each time you sponsor a new member they stand for up to $1,200 annually to you. If you are aiming for a $1000 monthly residual income you only need to have 10 members in your system.

Several significant points of the program are:

- Superior instructional systems

- Small start-up price

- Break-even 100% - the split second you sponsor your first subscriber

- No admin fees to the company ever

- Build up a Residual income

- Gain access to to exclusive products of - EXTREME worth

- Absolutely free website and hosting with complete back office

- No earnings restrictions

The final important piece to comprehend about Infinity100 is for the first time ever a brand new person can link up with a business, sign up just a single new subscriber, and never be out of pocket again. No where else can a brand new person be in a position to positive yield after just a single successful sale…

The Infinity 100 product line is worldwide, is available all around the globe and represents a true International business Chance for everyone.

To learn more about Peter Wolfing’s Infinity100 and how theTeamwork10 group will help you build your own income generating Infinity100 business, please visit http://infinity100.teamwork10.com. For a complete product overiew please go to http://infinity100.teamwork10.com/infinity-100-product-overview.php.

If you would like to make use of this post on your blog or in your newsletter you are free to do so provided you keep it exactly as is including the live links. I may be reached at 206-659-5552. Thank you.

Self Directed IRA And 401k Prohibited Transaction Basics

By Jeff Nabers

 The most notable difference between endeavors down the path of using a self directed IRA versus traditional investing is the unique rules that apply to the former. The extremely simple rule is that an IRA (specifically) cannot buy life insurance or collectibles (such as rugs, works of art, alcohol, bullion).

The more involved rule is known as no self dealing and is described in Internal Revenue Code section 4975. This rule basically says that for each retirement plan/account, there is a list of disqualified persons with whom that plan cannot do business. These DQPs include:

1. The accountholder/participant and any other fiduciary (person who makes investment decisions for the plan)

2. Companies who provide services

3. A member of the family of #1 or #2 above (family defined as spouse husband/wife, ancestor parents, grandparents, etc, lineal descendants children, grandchildren, etc, and spouses of lineal descents)

4. A corporation (or other entity) that is 50% or more owned (directly or indirectly) by #1, #2, or #3 above

5. An officer, director, 10% or more owner, or highly compensated employee of #4 above.

6. A 10% or more (in capital of profits) partner or joint venturer of #4 above

Every self directed IRA/401(k) investor should make this DQP list before making any investments.

Too many people seem to think of the list as only the accountholder and his family. As you can see it is a bit more involved than that. This doesnt require calculus, but you should actually write out the list step by step to ensure that it is complete. This list can actually get quite extensive if you, your family member, or anyone who provides services to your plan has ownership in several companies.

So, what is a prohibited transaction?

In a nutshell, when a DQP transacts with a plan it is a prohibited transaction (abbr PT). The trick here is what is considered to be a transaction. This is generally defined in IRC 4975 as when one of the following happens between a plan and DQP directly or indirectly:

* sale, exchange or lease of property

* lending of money or extension of credit

* furnishing of goods, services, or facilities

So I consider that to be the general rule. There are a couple of special rules and they consider a PT to also include:

* When plan assets are transferred to, used by or creating benefit to a DQP

* When the accountholder/participant directs his plan in his own interests (to benefit him now instead of through a proper distribution)

* When the accountholder/participant receives compensation from anybody in connection with plan income or assets

The reason I call these last three items special rules is because they transcend the 50% rule in determining when corporations are DQPs. In other words, if XYZ Corp is owned 49% by the accountholders mother then XYZ Corp isnt techinically a DQP. Buuuuuut, if the plan then transacts with XYZ Corp it is obvious that the transaction might violate one of these special rules simply because you cant ignore that the mothers position in XYZ Corp was probably considered in the decision to direct the plan into that transaction.

All in all, a little common sense goes a long way. The intent of IRC 4975 is to obviously keep the plan out of transactions connected to people that the #1 & #2 DQPs might be able to control or use as a strawperson. So, clever concoctions that aim to evade prohibited transactions rules by a technicality often times still violate the last 3 special rules. It all comes down to intent, and this is something that DOL (the Department of Labor the government agency that solely bears the responsibility and authority to interpret prohibited transaction expemtions) concludes based on assembling a fact pattern.

So the directly or indirectly part of the rule allows them to let some common sense override the technical rules. It also means that if a plan invests into an entity (Corp, LLC, etc) and that entity invests with disqualified person, it may still be a PT. More on that (plan asset rule) in a later post.

In summary, every self directed IRA/401(k) investor should make a disqualified person list before doing any transactions that involve the plan. Overlooking this is on par with a teenager not making and reviewing a budget because he thinks he can learn from and apply the concepts without actually doing the budget. Once this list is made, prohibited transactions can easily be avoided as long as the plan is never involved in any deals connected to anyone on the DQP list.

Learn more about Jeff Nabers, his consulting firm and the benefits of a self directed ira at www.Nabers.com or call his firm at 877-903-2220.

Deciding Between College or a Technical School

By Dorian Ramsey

 College is not for everyone, but that does not mean you shouldn’t pursue some sort of higher education or job training. When you think about your future, what do you envision? Are you doing something you love, or are you just working for a paycheck?

If you are one of the many who is trying to make a decision about where to spend your money and invest your future, read on. This article provides a comparison of 4 year colleges and technical schools. Which one is right for you?

How to choose between 4-year colleges and technical schools:

Ask yourself these questions and then consider the benefits and disadvantages of each type of school.

What are your goals? Do you have a specific career goal? What are your educational goals? Do you want to learn as much as you can about a variety of subjects? Do you want to learn as much as you can about one specific topic (become an expert)?

What are your strengths? Weaknesses? Would you benefit from a shorter more targeted program?

Lifestyle. How will school fit into your life? Would you benefit from non-traditional scheduling such as online, evening, or distance learning? 4-year colleges and technical colleges both offer such options, but it varies by school so check with any schools you are interested in attending.

What do you need? Realistically, what sort of degree or training do you need to pursue your dreams? Research your desired field–know what the requirements are and how they compare to the programs you are considering. The US Department of Education website offers resources for career and training research.

Be a consumer. Check equipment; is it new and up-to-date? How does it compare to the equipment you will be using on the job? Trust me, this can be tedious but it is quite important. After graduation I realized I should have taken more time to research the computer programs employers expected me to know for technical writing jobs. Had I been better informed, I could have taken extra courses dealing specifically with those programs.

Investigate the following: campus size, current and former students, faculty and staff;

Find out if the school is accredited and licensed; Do they make extraordinary claims? Will your credits be transferable?

4-year Colleges

Some people like to learn just for the sake of learning, while some are more focused and driven and use school as a steppingstone for job advancement. If you are interested in more scholarly pursuits a traditional 4-year college might be your best option.

Benefits: liberal arts training applies to many fields, diverse topics to explore, prestige, “college life”

Disadvantages: expensive, time consuming, may get degree in area you no longer wish to pursue, high admission standards and prerequisites, job market may be slower upon graduation-may require additional training

Technical Schools

If college was for everyone, technical schools would not exist. Some people may feel a stigma is attached to technical schools. In a society where attending college has become standard, we lose sight of the value of skills training. People feel abnormal and may be angry if they don’t want to go to college but feel pressured to do so anyway.

Benefits: shorter duration, focused programs, easier admission standards, flexible scheduling, certifications not necessarily offered at 4-year colleges, hands on training

Disadvantages: may be viewed as less prestigious, can be expensive, may be less room for exploration of other subjects, accreditation, for-profit institutions

Many of the fastest growing jobs do not require a bachelor’s degree but do require post-secondary education (education beyond high school) These jobs include:

Medical Assistants

Social and human service assistants

Home health aides

Medical records and health information technicians

Physical therapist aides

Physical therapist assistants

Fitness trainers and aerobics instructors

Veterinary technologists and technicians

Hazardous materials removal workers

Dental hygienists

Occupational therapist aides

Dental assistants

Personal and home care aides

Self-enrichment education teachers

Occupational therapist assistants

Environmental science and protection technicians, including health

Preschool teachers, except special education

Respiratory therapists

For more information on job growth statistics see the Bureau of Labor Statistics webpage.

Remember, the best way to determine what is right for you is to simply know yourself and be informed.

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