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	<title>ARTICLE wiki</title>
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	<description>ARTICLE wiki - everything about anything</description>
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		<title>About ARTICLE wiki</title>
		<link>http://www.freezaoui.org.nz/articles/sample-page/</link>
		<comments>http://www.freezaoui.org.nz/articles/sample-page/#comments</comments>
		<pubDate>Fri, 13 May 2011 23:12:01 +0000</pubDate>
		<dc:creator>avid writer</dc:creator>
		
		<guid isPermaLink="false">http://www.freezaoui.org.nz/articles/?page_id=2</guid>
		<description><![CDATA[Welcome to ARTICLE wiki, a free online resource of information, tips and guides for the New Zealand audience.  Have a browse through our comprehensive database of articles on a range of topics such as sports cars, fishing, money, budgeting, credit cards and more. Thanks for visiting and we hope to see you again soon. Happy [...]]]></description>
			<content:encoded><![CDATA[<p>Welcome to ARTICLE wiki, a free online resource of information, tips and guides for the New Zealand audience.  Have a browse through our comprehensive database of articles on a range of topics such as sports cars, fishing, money, budgeting, credit cards and more.</p>
<p>Thanks for visiting and we hope to see you again soon. Happy reading!</p>
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		<title>17 &#8211; Weakness in Safe List</title>
		<link>http://www.freezaoui.org.nz/articles/17-weakness-in-safe-list-2/</link>
		<comments>http://www.freezaoui.org.nz/articles/17-weakness-in-safe-list-2/#comments</comments>
		<pubDate>Sat, 24 Jan 2004 04:08:28 +0000</pubDate>
		<dc:creator>avid writer</dc:creator>
				<category><![CDATA[Other]]></category>

		<guid isPermaLink="false">http://www.freezaoui.org.nz/articles/17-weakness-in-safe-list-2/</guid>
		<description><![CDATA[Weakness in Safe List]]></description>
			<content:encoded><![CDATA[<p>Weakness in Safe List</p>
<p>How would you like to send your commercial emails to people you do not know, but are expecting to receive such mail from you? Wait a minute. That does not sound right. How can this be?</p>
<p>It is simple, if you know what is really going on. Everybody who is on these lists, also known as safe lists, knows that they will be receiving emails from other members. This is possible because that is one of the conditions of their &#8220;safe list&#8221; membership.</p>
<p>And those who join these lists are willing to agree to this condition because they themselves would want to send out their own commercial emails to the others on the list.</p>
<p>The result: everyone is sending emails to each other but no one is reading them!</p>
<p>It gets worse when some savvy members sign up for the membership using a free or less-frequently-used account to store the useless emails they will never bother to open and read.</p>
<p>Having said that, it is always wiser to start your own mailing list and build it with opt-in subscribers, no matter how tempting safe lists can be or how many members there are in a safe list.</p>
<p>[Insert Your Resource Box Here]</p>
<p>(Words: 197)</p>
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		<title>29</title>
		<link>http://www.freezaoui.org.nz/articles/29/</link>
		<comments>http://www.freezaoui.org.nz/articles/29/#comments</comments>
		<pubDate>Fri, 23 Jan 2004 19:59:21 +0000</pubDate>
		<dc:creator>avid writer</dc:creator>
				<category><![CDATA[Other]]></category>

		<guid isPermaLink="false">http://www.freezaoui.org.nz/articles/29/</guid>
		<description><![CDATA[When and How to Withdraw Your eBay Bid (and Why You Might Not Want To).]]></description>
			<content:encoded><![CDATA[<p>When and How to Withdraw Your eBay Bid (and Why You Might Not Want To).</p>
<p>eBay are a little strict about letting you withdraw your bid. They call it a &#8216;bid retraction&#8217;, and have a stringent set of conditions that you must meet before you are allowed to do it. Here are eBay&#8217;s three acceptable reasons for withdrawing a bid.</p>
<p>You made a typographical error: This means that you accidentally typed the wrong amount into the bid box, bidding a far higher price than you meant to. This can be scary: imagine bidding $100 and accidentally adding an extra &#8217;0&#8242;! You are entirely allowed to withdraw your bid in this situation, and bid again if you want to.</p>
<p>The item&#8217;s description changed: If you bid on something and then the seller updates the description, you have the right to withdraw your bid. It wouldn&#8217;t be fair, after all, to force you to take something that you now realise you don&#8217;t want.</p>
<p>The seller is uncontactable: If emails to the seller bounce and they don&#8217;t answer their phone, then the auction obviously can&#8217;t continue, and you can cancel it.</p>
<p>So How Do I Retract My Bid?</p>
<p>eBay hide away the bid retraction form a bit, because they don&#8217;t like people using it. You can find it by going here: http://cgi1.ebay.com/aw-cgi/eBayISAPI.dll?RetractBidShow.</p>
<p>Now all you need is the item number from your auction: this can be found on the item description page&#8217;s top right corner. If you can&#8217;t see it on the page, look in your browser&#8217;s title bar, and in any emails eBay have sent you about your bid on the item. Choose one of the three allowed reasons, click &#8216;retract bid&#8217;, and you&#8217;re done.</p>
<p>Are There Any Consequences?</p>
<p>Well yes, there are. The more unethical among you might have considered that you could just cancel bids anytime you feel like it by saying that you accidentally entered the wrong amount. eBay are one step ahead of you. Each time you retract a bid, it is counted on your feedback page for all to see &#8211; and anyone with a lot of retracted bids looks more than a little dodgy. eBay also say that abusing the bid retraction feature could get you banned.</p>
<p>So is there a way to retract your bid without facing a penalty? There is if your seller is nice, and most are. Sellers can cancel bids on their auctions at any time, and if you email them with a half-decent excuse then most will be more than happy to do this for you. After all, it&#8217;s not in their interest for their item to go to someone who won&#8217;t like it, as you might leave negative feedback. </p>
<p>Of course, retracting your bid should still be a rare thing: you won&#8217;t win auctions that way! If you&#8217;ve followed us this far, the chances are you&#8217;ve won an auction by now, or you&#8217;re close &#8211; but you might be a little puzzled about what to do next. Our next email will give you a few pointers.</p>
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		<title>03 &#8211; More Popular Online Dating Activities</title>
		<link>http://www.freezaoui.org.nz/articles/03-more-popular-online-dating-activities/</link>
		<comments>http://www.freezaoui.org.nz/articles/03-more-popular-online-dating-activities/#comments</comments>
		<pubDate>Fri, 23 Jan 2004 17:08:28 +0000</pubDate>
		<dc:creator>avid writer</dc:creator>
				<category><![CDATA[Other]]></category>

		<guid isPermaLink="false">http://www.freezaoui.org.nz/articles/03-more-popular-online-dating-activities/</guid>
		<description><![CDATA[More Popular Online Dating Activities]]></description>
			<content:encoded><![CDATA[<p>More Popular Online Dating Activities</p>
<p>A couple of popular online activities are sharing recipes and bidding at auctions. And both of these easily fit well into online dating opportunities, one of the most popular online activities for singles today. </p>
<p>To help many dates get better acquainted online, here&#8217;s what potential cyber-dates do. </p>
<p>Sharing Recipes &#8211; People get tired talking about the weather. So a popular subject to turn to is food. Sharing favorite foods and recipes helps break the ice and even forms friendships over culinary skills &#8211; or lack of &#8211; and tastes. Search your favorite search engine for &#8220;free recipes&#8221; to share. Take photos of your culinary creations and share them with your date, too. </p>
<p>Bidding at Auctions &#8211; Ebay auctions sell nearly anything and everything! So surf around and enter searches like the dates you were in middle school. Share cool memorabilia photos of old games and toys from when you were a child or when your parents or grandparents were little; The Dating Game, Oscar Mayer wiener whistles, The Partridge Family Album, Bobby Sherman&#8217;s Album, 45&#8242;s and more. </p>
<p>Online dating can be an educational and fun experience. So learn more about each other and have fun while you&#8217;re at it. Take a cyber-stroll down memory lane together and see what&#8217;s cookin&#8217;.</p>
<p>[Insert Your Resource Box Here]</p>
<p>(Words: 206)</p>
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		<title>How To Monetize Your Traffic</title>
		<link>http://www.freezaoui.org.nz/articles/how-to-monetize-your-traffic/</link>
		<comments>http://www.freezaoui.org.nz/articles/how-to-monetize-your-traffic/#comments</comments>
		<pubDate>Fri, 23 Jan 2004 10:40:09 +0000</pubDate>
		<dc:creator>avid writer</dc:creator>
				<category><![CDATA[Other]]></category>

		<guid isPermaLink="false">http://www.freezaoui.org.nz/articles/how-to-monetize-your-traffic/</guid>
		<description><![CDATA[How To Monetize Your Traffic So You Get The Most Out Of It]]></description>
			<content:encoded><![CDATA[<p>How To Monetize Your Traffic So You Get The Most Out Of It</p>
<p>Establishing your own E-commerce site is not like what it used to be. There are thousands of competition that is all too willing to get a bigger share of the pie. Every scheme and method you can find to augment your sales would be very beneficial.</p>
<p>We have got to admit to ourselves. Most of us are into it for the money. We are not going to waste our time and effort just for the fun of it. Many sites would not wait until hell freezes over just to see their profits. While there are some who takes things lightly there are always those who would rather see profit any given day.</p>
<p>It is common knowledge that without traffic we have no business. Like any business, without any customers you don&#8217;t get sales. Traffic represents all the people that gets a chance to see what you have to offer. The more people who see your products the more people there would be to buy them.</p>
<p>Nobody puts up an E-commerce site that doesn&#8217;t expect profit. We have a startup capital that needs to be regained. With a consistent traffic, we at least have a fighting chance to achieve that probability. Monetizing your traffic would optimize your chances of making the best out of it.</p>
<p>Making Money out of your Traffic</p>
<p>The best and most proven method of making a profit out of your traffic is using advertising. The internet generates hundreds of thousands upon hundred of thousands of traffic everyday. Most of them are searching for something. While some are just looking for information there is also a good percentage that is looking for something that they need.</p>
<p>The internet has proven to be a very reliable source in finding what was deemed to be a very unsearchable product. The internet has made the world a smaller place; you can advertise a product from the depths of Istanbul and still find a buyer from the center of Philadelphia. </p>
<p>Generating traffic is not an easy task. You have to contend with a great number of sites to generate a good number of traffic flow. But if done successfully this could open up a Pandora&#8217;s Box of possibilities. One of the benefits is monetizing your traffic flow.</p>
<p>So, to get to the core of it the more traffic you generate the more likely you are considered as a desirable, desirable, in a sense that a good traffic flowing site is easily convertible to profit. Basically traffic equals profit. Advertising is the name of the game; with the good advertising scheme you can use your traffic flow to your advantage. </p>
<p>When you have good traffic you have a good number of potential customers, customers that are willing to pour money into your coffers. Other than that these are also traffic that can be redirected to sponsored links that are willing to pay you for a sizeable portion of the traffic that you have generated.</p>
<p>This scheme is called &#8220;pay-per-click&#8221;. With every click a visitor of your site makes on an advertised link you will be paid. The more traffic you generate and the more clicks that happens would spell to more profits.</p>
<p>Affiliate Programs</p>
<p>Another method of monetizing your traffic are affiliate programs. You can link up with other tried and tested sites and online companies and monetize your traffic by having a percentage of sales generated by traffic coming from your site.</p>
<p>The basic idea is, traffic generated from your site will go to another site that can offer a product that you do not carry. Many programs can keep track and make records of transactions that was made possible because of site linkage.</p>
<p>When purchases are made by customers that was led by your site to their site you get a percentage of that sale. Affiliate programs would give you the benefit of monetizing your traffic without the actual need of carrying or promoting a certain product.</p>
<p>There are so many ways and methods to monetize your traffic. All it takes is a bit of hard work and the desire to successfully launch a profit-earning site. The internet is a veritable source of information, many tips and guides are offered everywhere in how to monetize your traffic and make your site a good profit earner.</p>
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		<title>13</title>
		<link>http://www.freezaoui.org.nz/articles/13/</link>
		<comments>http://www.freezaoui.org.nz/articles/13/#comments</comments>
		<pubDate>Fri, 23 Jan 2004 05:45:26 +0000</pubDate>
		<dc:creator>avid writer</dc:creator>
				<category><![CDATA[Other]]></category>

		<guid isPermaLink="false">http://www.freezaoui.org.nz/articles/13/</guid>
		<description><![CDATA[eBay - Part Time or Full? How to Decide.]]></description>
			<content:encoded><![CDATA[<p>eBay &#8211; Part Time or Full? How to Decide.</p>
<p>Going full-time as an eBay seller is living the dream: making a real income, working from home, being your own boss and all the rest of it. It&#8217;s the promise of a million scams, and it&#8217;s finally come true &#8211; at least for some.</p>
<p>What they don&#8217;t tell you in the success stories, though, is that becoming a full-time eBay seller is by no means for everyone. You really, really ought to try it part-time before you even consider taking it up full-time, and even then, caution is advisable.  Before you burn your suit, here&#8217;s a list of questions you should ask yourself.</p>
<p>How Much Do I Earn From eBay Now?</p>
<p>Work out how many hours a week you spend doing eBay-related things (be honest here), and divide it by the average amount of profit you make in a week. If you were doing full-time hours, would you earn as much as you earn now?</p>
<p>Do I Have a Good Job?</p>
<p>Think about what you might lose if you give up your job to focus on eBay. If you&#8217;re in a well-paid job with good promotion prospects then it&#8217;s well worth reconsidering: you might get a few years down the line and wish you&#8217;d stayed in your traditional job, as you&#8217;d probably be the CEO by now.</p>
<p>Would I Really Make Much More Money?</p>
<p>Unless you&#8217;re selling a large quantity of small goods, most of what you do on eBay will be waiting for auctions to end &#8211; and you can wait at work just as easily as you can at home. This is why whether you would make more money on eBay really depends on what kinds of items you&#8217;re selling &#8211; for low value items, going full-time could be a good move. For high-value ones, the chances are you&#8217;ll hit the limits of how much money you have to invest in inventory long before you hit the limits on your time.</p>
<p>Is my Home a Good Place to Work?</p>
<p>Quite apart from anything else, you might find that the dream of home working is more of a nightmare in reality. People can start to depend on you to get things done that need to be done during the day. If you have a wife and children then they can resent the fact that you&#8217;re in the house but refuse to have anything to do with them for large parts of the day. Giving in to any of these things and stopping work for a while will cause your profits to fall.</p>
<p>Can I Survive if it All Goes Wrong?</p>
<p>In the end, would you be able to get by if you had a month or two where you sold literally nothing? Or would you be desperately looking around for a job and cursing the day you ever discovered eBay? That&#8217;s the real test.</p>
<p>If you made it through all these questions, then I guess you&#8217;re cut out for the eBay life &#8211; and even if you didn&#8217;t, you&#8217;d be surprised just how far you can get part-time. In our next email, we&#8217;ll show you how to think like the eBay elite: the PowerSellers. </p>
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		<title>DEFICIENCY OF MILK</title>
		<link>http://www.freezaoui.org.nz/articles/deficiency-of-milk/</link>
		<comments>http://www.freezaoui.org.nz/articles/deficiency-of-milk/#comments</comments>
		<pubDate>Fri, 23 Jan 2004 00:16:09 +0000</pubDate>
		<dc:creator>avid writer</dc:creator>
				<category><![CDATA[Other]]></category>

		<guid isPermaLink="false">http://www.freezaoui.org.nz/articles/deficiency-of-milk/</guid>
		<description><![CDATA[DEFICIENCY OF MILK. ]]></description>
			<content:encoded><![CDATA[<p>DEFICIENCY OF MILK. </p>
<p>Deficiency of milk may exist even at a very early period after delivery, and yet be removed. This, however, is not to be accomplished by the means too frequently resorted to; for it is the custom with many, two or three weeks after their confinement, if the supply of nourishment for the infant is scanty, to partake largely of malt liquor for its increase. Sooner or later this will be found injurious to the constitution of the mother: but how, then, is this deficiency to be obviated? Let the nurse keep but in good health, and this point gained, the milk, both as to quantity and quality, will be as ample, nutritious, and good, as can be produced by the individual. </p>
<p>I would recommend a plain, generous, and nutritious diet; not one description of food exclusively, but, as is natural, a wholesome, mixed, animal, and vegetable diet, with or without wine or malt liquor, according to former habit; and, occasionally, where malt liquor has never been previously taken, a pint of good sound ale may be taken daily with advantage, if it agree with the stomach. Regular exercise in the open air is of the greatest importance, as it has an extraordinary influence in promoting the secretion of healthy milk. Early after leaving the lying-in room, carriage exercise, where it can be obtained, is to be preferred, to be exchanged, in a week or so, for horse exercise, or the daily walk. The tepid, or cold salt-water shower bath, should be used every morning; but if it cannot be borne, sponging the body withsalt-water must be substituted. </p>
<p>By adopting with perseverance the foregoing plan, a breast of milk will be obtained as ample in quantity, and good in quality, as the constitution of the parent can produce, as the following case proves: </p>
<p>I attended a lady twenty-four years of age, a delicate, but healthy woman, in her first confinement. The labour was good. Every thing went on well for the first week, except that, although the breasts became enlarged, and promised a good supply of nourishment for the infant, at its close there was merely a little oozing from the nipple. During the next fortnight a slight, but very gradual increase in quantity took place, so that a dessert spoonful only was obtained about the middle of this period, and perhaps double this quantity at its expiration. In the mean time the child was necessarily fed upon an artificial diet, and as a consequence its bowels became deranged, and a severe diarrhoea followed.  </p>
<p>For three or four days it was a question whether the little one would live, for so greatly had it been reduced by the looseness of the bowels that it had not strength to grasp the nipple of its nurse; the milk, therefore, was obliged to be drawn, and the child fed with it from a spoon. After the lapse of a few days, however, it could obtain the breast-milk for itself; and, to make short of the case, during the same month, the mother and child returned home, the former having a very fair proportion of healthy milk in her bosom, and the child perfectly recovered and evidently thriving fast upon it. </p>
<p>Where, however, there has been an early deficiency in the supply of nourishment, it will most frequently happen that, before the sixth or seventh month, the infant&#8217;s demands will be greater than the mother can meet. The deficiency must be made up by artificial food, which must be of a kind generally employed before the sixth month, and given through the bottle. </p>
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		<title>bring-innovation-into-your-life</title>
		<link>http://www.freezaoui.org.nz/articles/bring-innovation-into-your-life/</link>
		<comments>http://www.freezaoui.org.nz/articles/bring-innovation-into-your-life/#comments</comments>
		<pubDate>Thu, 22 Jan 2004 20:16:09 +0000</pubDate>
		<dc:creator>avid writer</dc:creator>
				<category><![CDATA[Other]]></category>

		<guid isPermaLink="false">http://www.freezaoui.org.nz/articles/bring-innovation-into-your-life/</guid>
		<description><![CDATA[What Innovation Can Do to Your Life]]></description>
			<content:encoded><![CDATA[<p>What Innovation Can Do to Your Life</p>
<p>It&#8217;s a talent that everyone has, yet they think they don&#8217;t. The power of innovation. If you&#8217;ve ever marvelled at somebody&#8217;s creative prowess, guess what, you can create and innovate too. It just takes time. Everyone is born creative. The box of crayons in kindergarten were not limited to those who possessed potential; because the truth is, everybody has potential.</p>
<p>You know how long it took to learn to ride a bike or drive or to never commit the same mistake again? It&#8217;s the same with innovation. It takes a  bit of practice and a lot of time before this mind function comes easily  when called. This article will teach you a few tips on how to bring innovation into your life.</p>
<p>Don&#8217;t listen to what other people say. Follow the beat of your own drum. Allowing for the input of other people will only bring cacophony to the music you are trying to make. If you have an original idea, don&#8217;t waste your time and effort trying to make people understand. They won&#8217;t. And the help you will probably get comes in the form of negative feedback. If all those geniuses listened to their peers, we would probably still be living in the middle ages.</p>
<p>Spend time on it. I cannot stress that enough, although, please do not mistake this tip to tell you to quit your day job entirely. Do not. This involves some tricky time management but with a little discipline you&#8217;ll be able to squeeze both in. </p>
<p>Exercise. Take a walk. Run a mile or two. Send all those endorphins coursing through your veins. Exercising certainly clears and relaxes your mind and allows for anything to pop up. </p>
<p>Record your dreams. Aren&#8217;t some of them just the craziest things that your conscious mind would never have thought of? If you&#8217;ve had these dreams before, and I&#8217;m sure have, this only shows you the untapped innovative power you have lying within. So jot down those notes. Those dreams may just create an innovative spark in you.</p>
<p>Find your own style. You can always tell a Van Gogh from a Matisse. You&#8217;ll know Hemingway wrote something by the choice of words on the paper. So it is the same with you. People will appreciate your innovation more because it is uniquely yours and that no one else would have thought of what you were thinking. That will let people see how valuable an asset you are. </p>
<p>Don&#8217;t hide behind nifty gadgets or tools. You don&#8217;t need the most expensive set of paints to produce a masterpiece. The same way with writing. You don&#8217;t need some expensive fountain pen and really smooth paper for a bestseller. In fact, J.K. Rowling wrote the first book of the Harry Potter Series on bits of tissue. So what if you&#8217;ve got an expensive SLR camera if you&#8217;re a crappy photographer? Who cares if you&#8217;ve got a blinging laptop if you can&#8217;t write at all? The artist actually reduces the number of tools he has as he gets better at his craft: he knows what works and what doesn&#8217;t. </p>
<p>Nothing will work without passion. What wakes you up in the mornings? What keeps the flame burning? What is the one thing that you&#8217;ll die if you don&#8217;t do? Sometimes people with talent are overtaken by the people who want it more. Think the hare and the tortoise. Ellen Degeneres once said that if you&#8217;re not doing something that you want to do, then you don&#8217;t really want to do it. And that&#8217;s true. Sometimes you just want something so bad you become a virtual unstoppable. And that is passion. Passion will keep you going. </p>
<p>Don&#8217;t worry about inspiration. You can&#8217;t force it; inspiration hits when you least expect it to, for those unpredictable yet inevitable moments you should prepare. An idea could strike you on the subway, yet alas, you poor unfortunate soul; you have no sheet of paper to scribble down a thought that could change the world. Avoid these disasters. Have a pen and paper within your arm&#8217;s reach at all times.</p>
<p>I hope this article has helped you bring more innovation into your life. Keep in mind that you&#8217;re doing these things for your own satisfaction and not anybody else&#8217;s. But soon enough they will notice, and everything should snowball from there.</p>
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		<title>03 &#8211; B2B Marketers Do It, Too</title>
		<link>http://www.freezaoui.org.nz/articles/03-b2b-marketers-do-it-too/</link>
		<comments>http://www.freezaoui.org.nz/articles/03-b2b-marketers-do-it-too/#comments</comments>
		<pubDate>Thu, 22 Jan 2004 19:07:30 +0000</pubDate>
		<dc:creator>avid writer</dc:creator>
				<category><![CDATA[Other]]></category>

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		<description><![CDATA[B2B Marketers Do It, Too]]></description>
			<content:encoded><![CDATA[<p>B2B Marketers Do It, Too</p>
<p>They use viral marketing by e-mail as a marketing tool&#8230; what did you think I meant? Viral marketing can work well for B2B providers, as long as the following is true:</p>
<p>1.	The product or service has to add value for the sender, as well as, the receiver.</p>
<p>2.	The offer has to be deliverable. You don&#8217;t want to offer a product that you can&#8217;t deliver if demand grows rapidly.</p>
<p>3.	The offer has to be easily transferable to others. E-mail and Web pages provide the best medium to facilitate this.</p>
<p>4.	The vest viral marketing campaigns use existing networks to move the message along. </p>
<p>The basis of viral marketing has been around for a long time. The idea is that you incite your customers or referral sources to pass on something about your business to their network of colleagues and friends. Those that pass on your information get something in return. The something might be a gift or service related to your business. </p>
<p>Using e-mail makes it incredibly easy to pass information on to a friend or colleague, especially if it involves something fun or free. With millions using the Internet worldwide, the potential for exponential growth is tremendous. The great things about viral marketing are that it is free and works virtually by itself. Once you make an offer and provide the facility for referrals, viral marketing spreads like&#8230; well&#8230; a virus&#8230;but the good kind. </p>
<p>To implement viral marketing at your business; first, start with your customer base. Incite existing customers to refer new ones. Second, go to your referral sources. Service providers, your outside network and colleagues can be encouraged to provide referrals that lead to business. </p>
<p>If your customers are stressed business owners, offer a reward that provides relaxation and leisure&#8230; like a weekend away.</p>
<p> [Insert Your Resource Box Here]</p>
<p>300 words</p>
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		<title>17 &#8211; Investing for Retirement</title>
		<link>http://www.freezaoui.org.nz/articles/17-investing-for-retirement/</link>
		<comments>http://www.freezaoui.org.nz/articles/17-investing-for-retirement/#comments</comments>
		<pubDate>Thu, 22 Jan 2004 16:18:04 +0000</pubDate>
		<dc:creator>avid writer</dc:creator>
				<category><![CDATA[Other]]></category>

		<guid isPermaLink="false">http://www.freezaoui.org.nz/articles/17-investing-for-retirement/</guid>
		<description><![CDATA[Investing for Retirement]]></description>
			<content:encoded><![CDATA[<p>Investing for Retirement</p>
<p>Retirement may be a long way off for you &#8211; or it might be right around the corner. No matter how near or far it is, you&#8217;ve absolutely got to start saving for it now. However, saving for retirement isn&#8217;t what it used to be with the increase in cost of living and the instability of social security. You have to invest for your retirement, as opposed to saving for it!</p>
<p>Let&#8217;s start by taking a look at the retirement plan offered by your company. Once upon a time, these plans were quite sound. However, after the Enron upset and all that followed, people aren&#8217;t as secure in their company retirement plans anymore. If you choose not to invest in your company&#8217;s retirement plan, you do have other options.</p>
<p>First, you can invest in stocks, bonds, mutual funds, certificates of deposit, and money market accounts. You do not have to state to anybody that the returns on these investments are to be used for retirement. Just simply let your money grow overtime, and when certain investments reach their maturity, reinvest them and continue to let your money grow. </p>
<p>You can also open an Individual Retirement Account (IRA). IRA&#8217;s are quite popular because the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA contributions from the taxes that you owe. An IRA can be opened at most banks. A ROTH IRA is a newer type of retirement account. With a Roth, you pay taxes on the money that you are investing in your account, but when you cash out, no federal taxes are owed. Roth IRA&#8217;s can also be opened at a financial institution.</p>
<p>Another popular type of retirement account is the 401(k). 401(k&#8217;s) are typically offered through employers, but you may be able to open a 401(k) on your own. You should speak with a financial planner or accountant to help you with this. The Keogh plan is another type of IRA that is suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another type of Keogh plan that people typically find easier to administer than a regular Keogh plan.</p>
<p>Whichever retirement investment you choose, just make sure you choose one! Again, do not depend on social security, company retirement plans, or even an inheritance that may or may not come through! Take care of your financial future by investing in it today.</p>
<p>[Insert Your Resource Box Here]</p>
<p>(Words: 413)</p>
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