Eternal Spiral Books

A Beginner’s Guide to Buying Life Insurance

by Jim Franklin and Evelyn Trimborn

No one ever wants to think about their own death, but planning for it carefully can make a real difference financially for the family you may have to leave behind. It will be difficult enough for your family having to cope with bereavement without adding money problems to the situation.

If you have a family or people dependent upon you for support, one of the most loving things you can do for them is to take out life insurance in case the unthinkable should ever happen. And life insurance is not just for working husbands either. Single mothers and work-at-home parents also need to consider seriously how their family would ever cope if they were to pass away suddenly.

In this beginner’s guide to buying life insurance, the authors take you step-by-step through the process to offer you an overview of the process of buying life insurance, who needs it and why.

You will learn:
* The different kinds of life insurance policies available
* The pros and cons of each
* How to calculate how much insurance coverage you need
* How to use your insurance policy as a financial tool even if you do not pass away.

You will also discover:
* The various payout options for life insurance policies
* How survivorship life insurance works
* How insurance can be used as a valuable business tool in certain instances
* How certain types of insurance policies can be very useful for estate planning.

Buying life insurance is not the most cheerful of subjects to think about, but your family’s financial security rests on you making the right decisions to help protect your future.

If you are:
* Not insured yet
* Fear you may be underinsured
* Want to have more financial tools in your hands to build your wealth

Then get started on the road to better financial security today with the help of this guide.

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TABLE OF CONTENTS

INTRODUCTION
* Why Buy Life Insurance?
* Who Needs Life Insurance?

CHAPTER 1: SHOPPING FOR LIFE INSURANCE
* How Much Life Insurance Should You Get?
* How to Calculate What Money Your Family Will Need in the Event of Your Death

CHAPTER 2: TYPES OF LIFE INSURANCE
* Term Life Insurance
* Whole Life Insurance
* Universal Life Insurance
* Variable Life Insurance
* Survivorship Life Insurance

CHAPTER 3: HOW TO USE YOUR LIFE INSURANCE POLICY AS A FINANCIAL PLANNING TOOL

CHAPTER 4: LIFE INSURANCE PAYOUT CHOICES
* Lump Sum Payment
* Annuity Payments
* Annuity Payment Options

CONCLUSION

ACTION STEPS
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ABOUT THE AUTHORS

Jim Franklin and Evelyn Trimborn are two of the main writers and editors for the popular business and finance website InsiderSecretsCorp.com, and the authors of over two dozen step-by-step guides in the Business Matters and Money Matters series from Eternal Spiral Books.

Buy Now: A Beginner’s Guide to Buying Life Insurance (Money Matters)

How to Market Your Direct Sales Business Effectively

by Carolyn Stone and Annabelle Steven

Direct sales is one of the easiest and most profitable ways to get started running your own business. The direct sales industry is worth over $132.5 billion annually in sales worldwide.

But direct sales can also be very competitive, with sometimes stiff competition in your local area. Many people are also heading online to try to super-charge their direct sales business.

Direct sales representatives can’t exist on running parties alone. You need a steady stream of eager customers, and even better, an enthusiastic downline. If you’ve been struggling to get your direct sales business off the ground, or started well but are worried that things are beginning to dry up, this guide was written with you in mind.

In this guide you will learn:

* What marketing is
*The 5 essentials you need for marketing in direct sales
*Why direct sales can be such a great business opportunity
*The crucial elements you need to run any direct sales business successfully
*How marketing can bring your direct sales profits to a whole new level.

You will also discover:

*The top online strategies that can drive targeted, paying customers to your direct sales website
*32 effective offline marketing techniques to adapt for your business
*How to craft your direct sale business marketing plan, and implement it
*The best ways to recruit your downline
*Ways to create effective supporting materials to help your downline sell successfully
*The most common direct sales errors, and how to avoid them.

This guide is packed full of action steps for you to apply to your own direct business to take it to the next level, starting today. If you are willing to apply what you learn, these strategies and tactics can transform flat sales into steady streams of direct sales profits.

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ABOUT THE AUTHORS

Annabelle Stevens and Carolyn Stone serve as two of the main marketing consultants for Accent Marketing Group, Inc. and are the authors of over two dozen finance, small business, health and self-help guides.

Buy Now: How to Market Your Direct Sales Business Effectively (Marketing Matters)

Five Tips for Helping a Loved One Face a Health Challenge

There are over 32 million people in the United States that have assumed the role of caregiver for loved ones of all ages who are confronted with a health challenge of some kind.

In some cases, the health challenge might result from birth, illness or accident. In other cases, it might be part of the process of growing old, but is no less resented for all that it is part of the natural process of aging.

Any health challenge which prevents a person from doing the things they were accustomed to doing, or holds them back from being like other people, can be a cause of real distress and stress. Here are some suggestions for helping a loved one cope if they are suddenly presented with an unexpected heath issue or disability.

1. Let them express their feelings.
Let your loved one know it is okay to cry, shout, throw tantrums, get angry, and hate the world. Do not take it personally. Through sharing their feelings, they can relieve them. But they have to be willing to admit to them in the first place in order to be able to deal with them in a productive way.

2. Don’t suffocate them with concern.
It is only natural to want to try to make things easier for our loved one but in some senses it can make it harder on them. They might be embarrassed, resent being a ‘burden’ or seen as ‘less than’ they used to be, and so on. Sometimes, they do not want people hovering all over the place. They will just want to be left alone and will need some rest and time to heal. Give your health-challenged loved one time with their own thoughts. Just remind them that you are there if they need you, and leave it at that.

3. Don’t treat them as disabled or molly-coddle them.
Understand that they are suffering, but expect them to do the best that they can. Regardless of whether the situation is long term or short term, take things one day at a time and start from where they are, and what they can do, rather than what they wish they could do.

4. Be an advocate. Help them to get what they want and need, if they ask for it. It they are willing to use a wheelchair or walker, great. Help them to get one. If they do not want to use one, that is fine too.

5. Take of yourself as the caregiver. Don’t stay in the house on call all the time. Do the things you love, within reason, and stay in touch with your support network. If you are in a happy and positive state of mind, this can help your home environment be less pressured and stressful.

FURTHER READING

Coping with Caregiving: A Guide to Caring for Your Loved Ones Without Suffering from Caregiver Burnout (Health Matters)

Fitness Basics: How to Add Exercise to Your Day, Every Day

by Carolyn Stone and Erin Kennedy

We all know the many health benefits of exercise. So why is it so hard for many people to find the time to work basic fitness activities into their daily routine?

In this handy guide, the authors discuss the benefits of exercise no matter what your health, fitness level or age. If your doctor says you are fit enough for exercise, use this guide to explore all the great things you can do at home, outdoors, or even in the office, that can help you make exercise a part of your routine every day.

You will discover:
+the many health benefits of exercise
+how to plan a fitness schedule you can live with
+the importance of cardio for your health
+different exercises and styles of exercise you might want to try
+the best work outs in winter.

The authors also focus on being budget conscious as you start to improve your health. You don’t need a lot of expensive equipment or a pricey gym membership to start getting fit. Some of the best exercises can be free or only cost the price of a good pair of walking shoes or sneakers.

You will also learn:
+how to make your own hydrating sports drink to balance your electrolytes
+how to calculate your target heart rate for your work outs
+the best ways to breathe when you exercise
+how to make the most of your balance ball
+how to put safety first year round whenever you work out
and much more.

If you are eager to start getting fit but aren’t sure where to begin, use this guide to help you incorporate fitness into your day every day without spending a lot of time and money.

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TABLE OF CONTENTS
INTRODUCTION
CHAPTER 1: FITNESS BASICS
CHAPTER 2: WORKING 30 MINUTES OF EXERCISE PER DAY INTO YOUR DAILY ROUTINE
CHAPTER 3: PLANNING A FITNESS PROGRAM
CHAPTER 4: DIFFERENT STYLES OF EXERCISE ROUTINES
CHAPTER 5: THE IMPORTANCE OF INCREASING YOUR HEART RATE
CHAPTER 6: FOCUSING ON YOUR BREATHING WHILE EXERCISING
CHAPTER 7: EXERCISE, PAIN AND STAYING SAFE
CHAPTER 8: USEFUL FITNESS AND EXERCISE EQUIPMENT
CHAPTER 9: WORKING OUT WITHOUT A GYM OR SPECIAL EQUIPMENT
CHAPTER 10: FITNESS AT YOUR DESK
CHAPTER 11: HOW TO USE A BALANCE BALL SAFELY
CHAPTER 12: GETTING STARTED WITH WATER AEROBICS
CHAPTER 13: SUMMER FITNESS TIPS
CHAPTER 14: WINTER WORKOUT TIPS
CONCLUSION
FURTHER READING
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ABOUT THE AUTHORS

Carolyn Stone and Erin Kennedy both write regularly for the popular health site Healthful-Goddess.com. Carolyn also serves as one of the editors, and is the author of about two dozen health and self-help titles.

Buy Now: Fitness Basics: How to Add Exercise Easily to Your Day, Every Day (Health Matters)

Keep Fit Even at Your Desk

We all complain how busy we are at work, but studies show that even a few minutes of exercise are better than none.

Many of us in the tech age are stuck at our desks from at lest 9 to 5, but that doesn’t mean we have to be ‘cubicle potatoes’-like a couch potato, only even more spread out.

Studies have shown that even people who do exercise regularly may not all be able to combat the effects of such a sedentary lifestyle.

So if want to try to stay fit, here are a couple of ideas to try?

+Stand up every 30 minutes, stretch a little, walk, or imaginary jump rope in place.
+Fidget. Get your circulation moving, even while you are working.
+Take 15 minute breaks and walk to the restroom and the around the floor.
+Set your chair back to be at an angle wider than 90 degrees to help keep your back flexible.
+On a business call in your office? Stand or walk and chat at the same time.
+Try some desk yoga.

These ideas will not entirely replace a proper workout but they can certainly help you keep moving every day during all the hours you are in the office.

FURTHER READING
“New Year, New You

Emergency Fund 101: How to Save Money for Unexpected Expenses

by Jeff Hamilton and Carolyn Stone

A financial emergency can be a complete disaster for a family’s finances if they do not have any savings. Without an emergency fund set aside to help cope with life’s unexpected events, such as an illness or job loss, a family can soon find their household budget in a shambles. Despite their best efforts, they can soon be in serious danger of falling behind on their rent or mortgage payments and other essentials.

Creating a financial emergency fund to plan ahead in case the unthinkable ever happens is one of the best ways to protect you and your family from the negative impact of a sudden financial emergency. Unexpected medical expenses are said to be the cause of over 60 percent of personal bankruptcies filed in the United States in recent years. One chewed shoe can mean $5,000 in veterinarian bills overnight.

How much money is in YOUR emergency fund today?

If the answer is not enough to cover that vet bill, then NOW is time to start taking steps to secure your family’s financial future in the event of an emergency. Financial planning and budgeting is not about feeling miserable and deprived. A budget is actually a road map to financial success, with you having more financial freedom than ever before.

In this guide, you will learn what an emergency fund is, how much you need to save, and the best ways to plan ahead for financial emergencies so that if they do occur, their impact will not be so devastating.

You will also learn about the impact of financial stress on your health and relationships, and why your emergency fund can help you start living life on your own terms, free of the crushing money worries presently affecting millions of Americans.

Discover if your own attitudes to money might be preventing you from having the successful life of your dreams. Learn the best ways to pay down debt and start saving, and the best places to save your money.

If you have been living from paycheck to paycheck, or have no idea how you are going to be able to afford a trip to the dentist, now is the time to start taking charge of your financial future. Learn the best ways to stretch your budget further, and how to make even more money, to help you start saving for all of your goals, including your emergency fund.

If you are desperate to get out of debt, achieve financial freedom, or start saving for your family’s future, such as a college education or being able to take early retirement, this guide can help you get started today.

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TABLE OF CONTENTS
INTRODUCTION
CHAPTER 1: WHAT IS A FINANCIAL EMERGENCY?
CHAPTER 2: CREATING YOUR EMERGENCY FUND
CHAPTER 3: OBSTACLES TO OVERCOME SO YOU CAN START SAVING
CHAPTER 4: DEALING WITH AN EXCESSIVE LEVEL OF DEBT
CHAPTER 5: COPING WITH A TIGHT BUDGET
CHAPTER 6: DEALING WITH UNHEALTHY SPENDING HABITS
CHAPTER 7: LEARNING MORE ABOUT FINANCE, SAVINGS AND INVESTMENTS
CHAPTER 8: HOW MUCH DO YOU NEED TO SAVE FOR YOUR EMERGENCY FUND?
CHAPTER 9: COPING WITH A FINANCIAL EMERGENCY
CHAPTER 10: EARN MORE, SAVE MORE
CHAPTER 11: LAYING THE FOUNDATION FOR YOUR FINANCIAL FUTURE
CHAPTER 12: PREPARING FOR FINANCIAL EMERGENCIES
CHAPTER 13: HOW TO SAVE ON EVERYTHING YOU BUY
CHAPTER 14: THE BEST PLACES TO SAVE YOUR MONEY
CHAPTER 15: COPING WITH A SUDDEN FINANCIAL EMERGENCY
APPENDIX 1: Online Shopping Addiction
APPENDIX 2: Budget Basics
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ABOUT THE AUTHORS

Carolyn Stone is a freelance journalist and author of over a dozen non-fiction titles on a variety of finance, health and self-help topics.

Jeff Hamilton has worked in finance and technology for many prominent companies in New York City, and is one of the main authors of the Money Matters series.

Buy Now: Emergency Fund 101: How to Save Money for Unexpected Expenses (Money Matters)

You are Never Too Busy to Exercise

Many people claim that they do not exercise because they have no time. One of the problems with this is that many people still have a vision of exercise as something which takes place in a gym for an hour and involves a lot of grunting, sweating and aches and pains.

Nothing could be further from the truth. First, let’s broaden our definition of exercise to include all forms of movement, including housework, walking your dog, using the stairs, and anything that does not involved you sitting or standing still for too long, except possibly for certain yoga postures.

The second thing to consider is how you spend your time each day. Yes, you might work or go to school for several hours a day, but where is your time really going? Keep a log for three days and write down everything you do, and the time you do it. We are betting you have a few spare minutes to squeeze in some keep-fit activity.
Did you know that even as little as 10 minutes, 4 times a day, is as effective as on 40-minute burst of activity?

A third area to look at in your attitude to exercise is that it does not have to be in the gym to be effective. The first and most obvious place you can start to increase your level of activity is while watching television. Get up and walk around, stretch, sit ups, crunches, jog or dance in place, use hand weights, do yoga or tai chi. In fact, do anything so long as you are not just sitting in the recliner.

When you first wake up, before you even get out of bed, do some stretches, yoga, crunches, or push ups. You can also do the same when heading to bed at night. Just be sure you do it about 30 minutes before you want to go to sleep, because exercise can be en energy booster and mood enhancer.

Look for ways to incorporate movement into all of your daily activities. For example, when you are going shopping at the mall or on your way to the office, take the stairs instead of the elevator or escalator. Going to the grocery store? Park at the far end of the parking lot to get in more walking (it is recommended that people take 10,000 steps a day).
If you are doing the housework, turn up the radio and pick up the pace. Spending time with the family? Get them up and moving as well. You can get out the bikes or head to the local park. Even just a walk before or after dinner instead of all running to your computer or TV of choice will keep you fit and help you reconnect with each other as a family every day. If it’s raining outside, you can head to the mall (but leave the plastic at home) or even walk around a large indoor parking garage together.

Are you stuck in the office for 8 hours? You don’t have to be. Take a walk during your lunch break, do steps and stretches at your desk, get a little putting cup if you like golf, try some desk yoga, anything that stops you from just sitting still for so many hours. Talking on the phone? Get up and walk around while you talk, put them on speakerphone and do yoga, toe touches, and more.

It is estimated now that at least 40% of all deaths can be considered preventable. Things could have been very different if the people in question had only taken the trouble to get more fit. Don’t be part of that grim statistic. There is no time like the present to start improving your health, so grab a couple of water bottles, and start walking.

FURTHER READING

New Year, New You: How to Make Healthy Changes in Your Life This Year

Outdoor Fitness Fun for the Whole Family

4 Top Fitness Apps and How to Use Them

Fitness Basics: How to Add Exercise Easily to Your Day, Every Day (Health Matters)

Great Romantic Gift Ideas for Valentine’s Day

by Evelyn Trimborn and Jacinta Carey

This guide is designed to help offer suggestions for gift ideas on Valentine’s Day for your romantic partner, to help show that you know what they like and how much you care.

In this guide you will find suggestions for new and established relationships, for boyfriends and girlfriends, husbands and wives.

No matter how tight your budget it, you will find free or inexpensive gift ideas that you can buy or make yourself. You will also discover a few luxury items you might not have thought of, and the best ways to hunt for Valentine’s Day bargains.

Get great ideas for romantic:
+ Cards
+ Candy
+ Flowers
+ Jewelry
+ Date nights
+ Days out
+Getaways

and more. Learn how to put a special spin on even the most traditional Valentine’s Day gifts, to wow your wonderful partner and impress them with your thoughtfulness.

You will also discover a range of themed gifts for:

+ Your coffee lover
+ Tea lover
+ Sports fan
+ Gadget lover
+ Outdoor-type
+ Golfer

and more that are guaranteed to boost your romance ratio in your relationship with your special someone. After all, there is nothing quite like the perfect present to help show you care.

Valentine’s Day should be all about love, not about how much money you spend. It should be about creating romance on this day, and indeed, every day in your relationship to show your significant other that they are loved and appreciated.

If you are looking for a great gift for Valentine’s Day, or any other time a special gift for your special someone is called for, you will find a wide range of great ideas in this romantic gift-giving guide.

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TABLE OF CONTENTS
INTRODUCTION
CHAPTER 1: THE BASICS: CARDS, CANDY AND FLOWERS
CHAPTER 2: JEWELRY
CHAPTER 3: CLOTHING ITEMS
CHAPTER 4: EATING OUT OR IN
CHAPTER 5: SPECIAL DATE IDEAS
CHAPTER 6: PLANNING A ROMANTIC DAY OUT
CHAPTER 7: ROMANTIC WEEKEND GETAWAYS
CHAPTER 8: ROMANTIC VACATIONS
CHAPTER 9: THOUGHTFUL GIFTS FOR ANY OCCASION
CHAPTER 10: GIFTS FOR YOUR BOYFRIEND
CHAPTER 11: GIFTS FOR YOUR HUSBAND
CHAPTER 12: GIFTS FOR YOUR GIRLFRIEND
CHAPTER 13: GIFTS FOR YOUR WIFE
CHAPTER 14: ROMANTIC GIFTS FOR COFFEE LOVERS
CHAPTER 15: ROMANTIC GIFTS FOR THE TEA DRINKER IN YOUR LIFE
CHAPTER 16: GREAT GIFTS FOR THE SPORTS FAN
CHAPTER 17: GIFTS FOR THE MOVIE NUT
CHAPTER 18: ROMANTIC GIFTS FOR THE GEEK
CHAPTER 19: ROMANTIC GIFTS FOR THE GOLFER
CHAPTER 20: ROMANTIC GIFTS FOR YOUR BARBECUE LOVER
CHAPTER 21: GIFTS FOR THE OFFICE
CHAPTER 22: GIFTS FOR THE OUTDOORSY PERSON
CHAPTER 23 GIFTS TO MAKE THEM LOOK GORGEOUS
CHAPTER 24: GIFTS FOR THE PUZZLE LOVER
CONCLUSION
RESOURCES
FREE NEWSLETTER AND GUIDES OFFER
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ABOUT THE AUTHORS

Jacinta Carey and Evelyn Trimborn are both romance novelists who try to capture the miracle of falling in love. Evelyn is also the author of over 50 non-fiction titles on a range of self-help topics.

Buy Now: Great Romantic Gift Ideas for Valentine’s Day (Holiday Entertaining)