Annuity Selling Tip - Sell to Feelings and Build the Relationship

I read a new book recently called Secrets to Social Success about how people interact socially and this quote was at the beginning and it sort of stunned me because it is the basis of how I sell annuities.

?The deepest principle in human nature is the craving to be appreciated.? -- William James

I have long believed that selling annuities is about knowing and understanding how people feel. Once you know how they feel it is possible to probe deeply into their personal life and their finances. This goes hand in hand with the need to be appreciated. Appreciation is understanding how another person relates to you, themselves and their surroundings.

Another famous saying is from Dale Carnegie:

?You can make more friends in two months by becoming interested in other people than you can in two years by trying to get other people interested in you.?

Selling annuities is just that simple, being interested in another person enough to fully understand how they feel. The problem of course is how to bridge the gap from a new acquaintance to understanding how another person feels. That is the ?Art of the Deal.?

Selling annuities is learning the art of asking the right questions in order to solicit a feeling response. There are several ways to do this but my favorite has always been to ask someone what they hoped to accomplish and then expanding on that answer. Once someone tells you how they feel it opens a door to ask more and deeper questions that always lead you further into the feelings of the prospect.

In one sense you are really becoming friends with the prospect and the temptation to do so should be restricted. Selling product allows you to have a relationship of counselor/client but deepening into a relationship can be financially awkward for both participants. Remember, the secret to selling anything (annuities) is to understand how someone feels and how our simple products can bring benefit to their lives.

Bill Broich is thirty year annuity salesman who helps agents generate leads and sales. He blogs frequently about the insurance industry and selling. Visit his website for more information: Insurance News

For more tips on creating social success in business and your personal life visit Secrets to Social Success

Private Annuity Trust, Ensured Installment Sale (Structured Sale)

Warning: As of October 18, 2006 Private Annuity Trusts (PAT) are no longer recognized by the Internal Revenue Service (IRS) as legal means for managing assets tax deferred! The Private Annuity Trust has been replaced with The Ensured Installment Sale (Structured Sale), which will be discussed later. The following information applies only to Annuity agreements funded prior to October 18, 2006, which are still honored by the IRS.

PRIVATE ANNUITY TRUST: WHAT IS IT?

A Private Annuity Trust works very similar to an Immediate Annuity, although you will use assets other than money to fund this Annuity. Typically, you transfer ownership of a home or land with high value to a Trust. The Trust agrees to make lifetime payments to you, and can then sell the asset you gave them and use the money to fund this Annuity agreement through investments.

You cannot use other retirement funds such as a 401k to fund a Private Annuity Trust, but you can add multiple properties to increase your tax break and Annuity payment. If you decide to add an additional property to your Private Annuity Trust you must create a new Annuity agreement for each property, unless your original agreement contained a provision to include additional assets at a later date.

Each new agreement will have a different deferral period which creates an added benefit to you by providing both immediate and long term income. The withdrawal period from a Private Annuity Trust must begin by age 70 ?, but you can always choose to receive payments sooner.

When structuring a Private Annuity Trust, you must name a Trustee who will be responsible for controlling the investments of your assets in the Private Annuity Trust. The Trustee can be an adult child, relative, close friend, attorney, or anyone else other than you or your spouse. By law, the annuitant is not allowed to have any direct control over the investments of their Annuity. You may make council to the Trustee but cannot have any direct contact with the assets once they are transferred into the Private Annuity Trust, and your transfer of ownership is irrevocable.

ASSETS TRANSFERRED TO A PRIVATE ANNUITY TRUST: HOW TO ESTIMATE THE ANNUITY PAYMENTS

It is fairly easy to estimate what your Annuity payments will be for the asset transferred into a Private Annuity Trust. The IRS uses the following factors to determine your payment:

1. Your life expectancy

2. The selling price of your asset

3. The Annual Federal Mid-Term Rate (AFMR) effective when your property was transferred (this rate will be the rate used for the duration of your Annuity)

4. The length of time you defer payments

Using these factors, the amount you will receive from an Annuity is a fixed amount and you cannot start and stop payments from a Private Annuity Trust. Once the withdrawal period begins you will continue to receive payments for life.

The ?life expectancy? factor is only used by the IRS to help determine what your payments should be and is not to be confused with a payment ?cutoff? age. If you live beyond what the IRS factored as your life expectancy, you will continue to receive payments for life.

JOINT ANNUITY FOR SPOUSE TO RECEIVE PAYMENTS

Owning a joint annuity will allow your spouse to continue receiving Annuity payments should you die first. After your spouse dies, payments will cease and your beneficiaries will inherit any surplus money remaining in your Private Annuity Trust created by wise investment options of the Trust?s reserve.

By law there must be enough money set aside for the Trust to fulfill its Annuity agreement with you, and there will usually be a reserve account established of five to ten percent of your asset?s value as a safety precaution. Remember, your Annuity payment is fixed and will not increase regardless of profit your assets create via the Private Annuity Trust.

NO ESTATE TAX, INCOME TAX OR GIFT TAX ON PRIVATE ANNUITY TRUST TRANSFER

When you establish a Private Annuity Trust, you are not subject to estate, income, or gift taxes. The transfer of ownership of an asset to a Trust is ?paid for? by the Annuity agreement. The IRS cannot accurately determine your life expectancy, and therefore cannot determine how many payments you will actually receive.

Taxes will be deferred on the transfer until you start receiving payments, and a portion of your payment will be taxed based on your income amount. The transfer of ownership involving your assets is not considered a gift to the Trust because they are agreeing to pay you for the asset at a later date, and as a result you will not have to pay a gift tax.

Once your asset is transferred to the Trust, it is removed from your taxable estate. This is of particular benefit to your beneficiaries who will not be held responsible for paying estate taxes when they receive excess funds from your Annuity. After your death it is the responsibility of the Trust to cover any unpaid taxes due on the assets.

ENSURED INSTALLMENT SALE (STRUCTURED SALE)

The Ensured Installment Sale was developed by the Allstate Insurance Company in 2005 and works in a similar manner to the Private Annuity Trust. The major difference between the two is that when you sell your assets, the Annuity is purchased directly from an insurance company. The insurance company, and not the Trustee for a Private Annuity Trust, is responsible for making investment decisions and ensuring you receive Annuity payments for life.

Author bio - Rocco Beatrice, CPA, MST, MBA
Award-winning estate planning & trust expert
MS - Taxation, Master of Science Taxation
MBA - Management / Taxation
BSBA - Management / Accounting
CPA - Certified Public Accountant
-----
Irrevocable Trust Asset Protection, Medicaid Asset Protection
Charitable Gift Annuity
71 Commercial Street #150, Boston, MA 02109
tel: +1.508.429.0011 fax: +1.508.429.3034

Tax Sheltered Annuity TSA 403b - What is It?

Tax-Sheltered Annuity (TSA), also known as a 403(b), is an alternative retirement savings plan. Not everyone can participate in this plan, and it is restricted to those who are employed by educational, cultural, or non-profit organizations such as religious groups (also known as 501 (c)(3) organizations).

TAX-SHELTERED ANNUITY BENEFITS

Contributions to a Tax-Sheltered Annuity are done through a payroll deduction and are therefore taken out pre-tax. This feature of a Tax-Sheltered Annuity is very beneficial since your contributions are not seen as income and you may pay less federal tax at the end of the year. A Tax-Sheltered Annuity is also tax deferred during the accumulation phase. This means you will not pay any taxes on the amount you contribute or the interest earned until you begin the withdrawal phase.

If your plan allows, you may elect to contribute post-tax money to your Tax-Sheltered Annuity by using your paycheck. Any money you contribute post-tax must be declared on your income tax return and is not subject to the tax-deferred exemption. When selecting a Tax-Sheltered Annuity you may choose between fixed and variable, or a combination of the two.

It is possible to take loans from your Tax-Sheltered Annuity, but these loans are limited to the lesser of $50,000 or fifty percent of your vested amount. Another feature of a Tax-Sheltered Annuity is the ability to rollover funds into other investment options. For example, it is possible to use your 403(b) to fund your 401(k), Individual Retirement Account (IRA), or another 403(b).

It is important to check any contribution limits or rules established by the new plan administrator before committing to a rollover. If you die before receiving payments, your beneficiaries are entitled to similar options using your Tax-Sheltered Annuity. A spouse is entitled to all of the aforementioned options, while a non-spouse is prohibited from using your annuity money to fund an IRA. A non-spouse beneficiary is only able to transfer funds from one 403(b) to another.

CONTRIBUTION LIMITS OF A TAX-SHELTERED ANNUITY

Unlike a regular deferred annuity, there are maximum contribution limits determined by the Internal Revenue Service (IRS) for each year. Beginning in 2006 the maximum personal (elective) contribution limit was increased to $15,000 per year, up from $14,000 in 2005. Also in 2006, your employer (non-elective) may choose to contribute to your Tax-Sheltered Annuity with a combined maximum contribution limit of $ 44,000.

You may be able to contribute up to $5000 more per year if you are age 50 or older and an additional $3000 per year if you have been with the same company for more than fifteen years. Failure to comply with these contribution limits can result in additional taxes and penalties for both the employee and contributing employer.

TAX PENALTIES OF TAX-SHELTERED ANNUITY AND AGE REGULATIONS

As with the deferred annuity, a Tax-Sheltered Annuity is used to supplement retirement income. If you decide to withdraw money prior to age 59 ? you will be subject to a ten percent penalty by the IRS in addition to the standard income tax. There are a few exceptions to paying this penalty, although specific criteria must be met.

If you leave the service, encounter extreme and immediate financial hardship, or become disabled you can avoid paying the ten percent penalty. Although the ten percent penalty is not enforced in these cases, you are still responsible for paying income tax on the money you withdraw. You must begin taking minimum payments from your Tax-Sheltered Annuity in either the same year as your retire or by age 70 ?, whichever comes first.

Failure to do so will result in a fifty percent excise tax on the money you should be receiving. The only exception to this age restriction pertains to all contributions made to a Tax-Sheltered Annuity prior to January 1, 1987. Anyone who paid into a Tax-Sheltered Annuity before this date is allowed to defer withdrawal until age 75. If you die before the withdrawal period your beneficiaries may receive payouts from your Tax-Sheltered Annuity without paying the ten percent penalty, but they are still responsible for the income taxes.

Regulations on tax compliance change every few years to accommodate inflation rates, and it is important to familiarize yourself with these changes to avoid penalties from the IRS. Helpful resources including articles, worksheets, and an updated FAQ page can be located at www.irs.gov and search for keywords "tax sheltered annuity."

Author bio - Rocco Beatrice, CPA, MST, MBA
Award-winning estate planning & trust expert
MS - Taxation, Master of Science Taxation
MBA - Management / Taxation
BSBA - Management / Accounting
CPA - Certified Public Accountant
-----
Irrevocable Trust Asset Protection, Offshore Asset Protection
Charitable Gift Annuity
71 Commercial Street #150, Boston, MA 02109
tel: +1.508.429.0011 fax: +1.508.429.3034

Licensed Annuity Agent Reveals Secret Agenda

Large financial service organizations tilt the playing field against consumers. Metlife and, more recently, AXA Advisors are in the news for possibly offering incentives to representatives to recommend house products. It has been reported that some companies require the sales of proprietary products in order for agents to qualify for health insurance and other employee benefits.

Are consumers aware of this secret agenda when they meet with an agent? I am hesitant to use the term ?advisor? because that would insinuate the salesperson has the client?s best interest at heart. I am embarrassed to admit that I was offered a position with one of the companies mentioned in this article and was shown an impressive array of financial products available. It was then explained to me that house-brand life products and annuities paid much higher commissions than the ?outside? products and house-brand vehicles would help me qualify for incentive trips much faster.

I receive a monthly financial industry magazine that devotes much of their pages to advertisements from annuity companies pitching their wares. Each ad focuses on their high agent commission payout. One company will send my wife and I to Switzerland if I sell $2 million of their annuities. One ad is from a life insurance company offering a whopping 107% first year commission on the sales of their whole life policy! Another company?s full-page ad touts an average $17,000 commission per annuity and an annuity-selling coach explains that he is willing to teach me the secrets that helped him earn an ?incredible $381,522 in annuity commissions in only 6 months!?

One annuity company offers an a 7% commission on one annuity and an 11% commission on another annuity product. Here are some questions consumers should be asking.

Why would the company be willing to pay me 58% more compensation to sell one product over another? Answer: The higher-commission product is in the company?s best interest, not the client?s.

If an agent sells you a product paying 11% commission, will he advise you that he could have sold a product that paid him much less but he chose not to? Answer: I don?t think so.

Who is really paying the extra 58% in salesperson compensation? Answer: You, the client.

As a financial consumer, do I deserve to know any factor that is influencing the recommendations of my salesperson? Answer: A definitive YES.

Did the annuity salesperson hold himself out as a trusted financial advisor? Probably.

The problem with the real-life annuity example shown above is that the client has no way of knowing how much commission was earned by the agent. The 11% commission product will pay a much lower interest rate to the investor and/or have a much longer surrender period, tying the client?s money up for years. Fixed annuities and equity index annuities need complete commission transparency. Annuity companies know that higher commissions influence the sales practices of insurance agents and they also know annuity clients have no idea of the high price they are paying for a false sense of peace of mind.

I brought these issues up at a recent industry association luncheon. At my table, I had an insurance agent on my left side and an attorney on my right. To quote the agent, ?caveat emptor? or buyer beware. The solution for consumers, don?t be a buyer! See a fee-only advisor who is not tantalized by trips to Switzerland and high commission insurance products with no commission transparency. Also, consumers should demand legislation that forces all annuity commissions to be equal and completely disclosed to the client. The insurance and annuity industry should be embarrassed and any bad reputation is probably well deserved. The good news is that quality no-load annuities are available but don?t count on your average annuity salesperson to tell you about them.

Mark Diehl is a Certified Financial Planner, Chartered Financial Consultant, and author of The Wealth Management Manual available at amazon.com and barnesandnoble.com.

You can learn more about Mark at http://www.markdiehl.info or call 800-304-1232.

A Professional Buyer of Structured Settlement Payments Can Pay You The Most For Your Annuity

A reputable, qualified buyer of structured settlement payments can offer you top dollar for your annuity. Taking several factors into account, he or she will come up with a fair value for your settlement, often referred to as a "note". You can then decide which of several options works best for your particular financial situation.

Structured settlements are set up as a resolution to an injury claim, whereby the victim receives a set monthly payment in the form of a tax-free annuity as compensation. The arrangement usually favors both parties, as the victim gets money every month to cover the costs of medications, rehabilitation and other bills and the defendant, or payor, issues easy to swallow smaller monthly installments rather than a large sum of money up front.

However, many people decide to look for a structured settlement buyer rather than opt to receive small monthly payments. Although it's nice to have an ongoing stream of income, you may want or need to have a large some of money for a new investment, a large purchase or to pay off a high interest debt.

In this case, selling your note makes a lot of financial sense, and a reputable buyer of structured settlement payments will be able to provide the cash you need, usually within a couple of weeks. It is a fast and easy way to get your hands on a lump sum of money, especially compared to getting a loan from your bank or another financial institution.

How much will a structured settlement buyer pay you for your note?

That's a good question. It will depend on a variety of factors: the balance on the annuity, the time left before it is paid off, timeliness of payments to date, stability of the payor, and various other criteria. Remember, the buyer of structured settlement payments is assuming a risk by purchasing your note, so it has to make sense for them financially to do so.

To ensure that you receive top dollar try to have all of your paperwork in order, and keep careful records of everything that has transpired since the annuity was set up. This will be very helpful to the structured settlement buyer, and enable them to come up with a fair and competitive quote.

Also, keep in mind you can sell just a portion of the annuity; you don't have to sell the entire thing. So if you only need a certain amount of cash, you can sell "x" number of months of payments and retain the annuity after that time period. An experienced buyer of structured settlement payments will outline all of your available options so that you can make the right decision.

Jamie has been working in the finance industry for many years and is a contributing editor to Selling Your Notes. Find a top structured settlement buyer and find more information on seller financing on our site.

Where Do You Find a Reputable Annuity Payment Buyer?

Circumstances change; if you find yourself with an annuity that you no longer need, look to an annuity payment buyer for help. With his assistance, you won?t have to wait until the end of your contract to receive your money.

Often, people buy annuity investments to help them in the future, as part of their retirement plan or to help their kids pay for college. They might also have one as part of a structured settlement set up as a resolution to an injury case. There are many different types of annuities but they all are similar in the way that they work.

An annuity is set up through an insurance agency. They use your money to buy safe investment instruments like bonds or mutual funds. Your money grows faster because an annuity isn?t taxed until you start getting it back. Somewhere out in the future (at an agreed upon time) you start receiving an income from this annuity. Depending on the type of that was purchased, you will continue to receive this income until there are no longer funds in the account or until you die.

But, sometimes things change; you decide that you no longer need the annuity. Maybe your grandfather bought it for you because he wanted you to go college. But, college really isn?t in your future; you want to tour Europe instead. Or, maybe after being retired for a month, you decide retirement isn?t for you. Since you will be working, you no longer need the guaranteed payment from the annuity. A medical or family emergency may require immediate cash. You can not withdraw money from an annuity without serious penalty but you can sell all or part of it to an annuity payment buyer.

How do you find a buyer of annuity payment? There are plenty of resources online. You will find what you are looking for under the titles: buyer annuity payments or sell my annuities, and other related terms. Visit the sites that come up and gather all the information that you can. The company that you choose will purchase your annuity at a discounted rate. This is because the cash value of the annuity hasn?t been realized yet. So, you want to be sure that get the best offer. Even at a discounted rate the lump sum payment that you receive can be worth more today then it would be at term. This is especially true if you are using it to reinvest in a higher yielding, financial instrument.

There are some things that are important to consider before selecting the company who will become your annuity payment buyer. Annuities are complex financial instruments; you want a buyer annuity payments company that has been in business a long time. One who understands the ins and outs of the tax questions that arise when an annuity is sold. You want to find a company skilled in customer service: one that takes the time to explain to you what to expect and is willing to answer all of your questions. After you have chosen the right company and have signed all the paperwork, you can expect to receive your lump sum cash payment in about 2-3 weeks.

If you have an annuity but you need cash, find a good annuity payment buyer today. You'll be glad you did!

Jamie has been working in the finance industry for many years and is a contributing editor to Sell Notes. Find a buyer annuity payments and more information on cash flow paper on our site.

Understanding Annuities Can Lead to More Annuity Sales

I am always amazed about the questions I get from agents regarding the types of annuities available. Annuities come in many shapes and sizes each designed for a specific use. One annuity may have benefits another does not and it is important to know the features and benefits of each contract.

Single premium deferred annuity: As the name implies it is a one time deposit and no further deposits are accepted. A single premium annuity can be many different types such as a fixed annuity, an indexed annuity and a variable annuity. Each of these types of single premium deferred annuities has their own features and benefits. I will discuss each of these later.

Flexible Premium Deferred Annuity: This type of annuity allows for continual or sporadic additional deposits. Each deposit is added to the account value and can be deferred. Variable, indexed and fixed can all be flexible premium annuities.

Single Premium Immediate Annuity: These contracts are used to create an income stream. A single deposit is made and an income will begin at a pre-agreed upon time. These payments to the annuitant can be monthly, annually or most other time periods. Any time period for the payout can be selected from any number of years to a lifetime guaranteed payment.

Variable Annuity: Variable annuities are securities and are sold with a prospectus. Variable annuities allow for the annuitant to designate a specific type of sub account or investment for the funds to be invested in. These sub accounts are like mutual funds in the sense the money is managed by an outside source and there is no limit to the growth of the funds or the exposure to loss. The money in the variable annuity is not at the insurance company but is on deposit at the fund manager. Variable annuities do have a guaranteed rate of return section which usually is a lower rate of interest. Variable annuity owners may switch investments in the annuity in the event of a new investment goal is desired. These changes can be completed without any tax liability. The funds in a variable annuity are not guaranteed and exposure to loss is part of the investment risk. In the event of death, variable annuities will guarantee at least the return of the original investment in the event the account is lower.

Indexed Annuity: Indexed annuities are fixed annuities whose returns are set to an outside source such as the Dow Jones Average. The funds in an indexed annuity are on deposit with the insurance company and not actually invested in the indexes. There are numerous options for selecting the type of crediting rate and how it interfaces with the specific index. One strong positive about indexed annuities is the deposit is fully guaranteed to never lose money and once a new amount is credited to the annuity then that becomes the guaranteed minimum.

Fixed Annuity: Fixed annuities come in all sorts and sizes from a few years contract to a longer period. Some will fully guarantee the interest rates the entire time period while others will allow the insurance company to determine the interest credited year to year. The funds in a fixed annuity always have a minimum interest which is fully guaranteed. Fixed annuities also guarantee the full account value.

Annuities are not for everyone but for those that will benefit from these contracts they can be perfect. Safety and security is the basic attraction to an annuity and when these benefits are needed they can be of enormous value. Developed your expertise, understand which annuity products are right for the unique circumstances and needs of the investor and increase your annuity sales.

Bill Broich is a 30 year annuity salesman who helps agents increase their annuity sales. Visit his website to learn more. Annuity.com

Annuity Buyer Guides

Annuities are one of the most important and inevitable and lucrative policies for the well being of the senior citizens of America. However, at some crossroads of life one might need to have their future to be planned in a proper way, especially during and after the retirement phase. A senior citizen, anyone of age sixty-five and above, has the full right to utilize his or her insurances, life insurances, liquid assets, pension schemes, financial plans and such other things including the retirement plans. Proper planning is key to the secured future. An annuity is the ideal plan for such phases of life.

The best age to buy an annuity is 55 or older. An annuity is the ideal life planning tool for a senior citizen that comes up to him or her with all the advantages near the end of his life. The person who buys such an annuity plan to secure their post-retirement phase is called the annuity buyer. This annuity buyer has to pay what are called basis points. These are basically the fees for the annuities. The annuity fees or the basis points show a percentage of one?s investment. But one has to be very careful before committing him or herself in buying such annuities. There are a lot of guides on the issue that sometimes prove to be of great use to those who are thinking of buying such annuities. There are books available in the market and there are a lot of online resources as well to guide you through the dos, don?ts and other aspects of annuities.

An example would clear out the importance of annuity buyer guides. All the basic lucrative returns of an annuity is already known to us, but one should pay attention to the fact that one can't withdraw the money until one is 59? or one is hit with a 10% penalty. There a lot of other such little things about which one should have a prior knowledge. This is where the annuity buyer guides come in useful.

Annuity Buyer provides detailed information on Structured Settlement Annuity Buyer, Annuity Buyer, Annuity Buyer Payments, Annuity Buyer Guides and more. Annuity Buyer is affiliated with Condos For Sale.

Love The Thrill of Risk? Invest in an Annuity!

Love The Thrill of Risk? Invest in an Annuity!

 by: Stephen Bucaro

With the stock market in steep decline, people are looking for safe places to invest their savings. Many banks and investment companies are pushing annuities. Annuities offer a higher interest rate than CD's, but are they safe?

You could view an annuity as a tax deferred CD. You don't pay taxes on the interest until you start drawing from the annuity. But there are some important differences between an annuity and a CD.

An annuity is a product offered by an insurance company. With giant corporations like Enron, Kmart, Worldcom, and United Airlines going bankrupt, can you guarantee that the insurance company won't fold, leaving you with nothing? Insurance companies are insured by re-insurers, like General Re. But it seems no matter how large a company is, you can't be sure it won't fold. The bankruptcy of a large insurance company might cause the re-insurer to collapse along with it.

Bank CD's are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $100,000 per bank. The FDIC is a branch of the U.S. Government, who, as you know, are the people who print the money. If they go bankrupt, we'll have more to worry about than just losing our savings!

A new type of annuity called a charitable gift annuity has come on the market recently. These are issued by charity organizations. You give your money to the charity, you receive a tax benefit, and in exchange the charity promises you a fixed payment for life. Unfortunately, this scheme has become a mode of operation for con artists.

The charitable gift annuity has been added to top ten scam list of the North American Securities Administrators Association. They explain that charitable gift annuities are subject to virtually no federal regulation. Here in Arizona, 430 investors lost their savings in a ponzi scheme run by the Mid-America Foundation Inc.

Banks and investment companies hawking annuities promote the higher than CD interest rates, but they fail to reveal the hidden fees and high early withdrawal penalties. If you need to access your annuity before age 59, you could be subject to a 10 percent penalty.

With the recent bankruptcies, and discovery that many giant corporations have been cooking their books for years, I feel it's best to play it safe. If you love the thrill of risk, or if you have already purchased an annuity, I wish you luck. As Will Rogers said, "I am not as concerned about the return ON my money as I am about the return OF my money".

Permission is granted for the below article to forward, reprint, distribute, use for ezine, newsletter, website, offer as free bonus or part of a product for sale as long as no changes are made and the byline, copyright, and the resource box below is included.

Bucaro TecHelp. To learn how to maintain your computer and use it more effectively to design a Web site and make money on the Web visit http://bucarotechelp.com To subscribe to Bucaro TecHelp Newsletter Send a blank email to subscribe@bucarotechelp.com