http://www.articlesnatch.com/profile/Jim-Pretin/4342 Jim Pretin is an author at ArticleSnatch.com Article Directory. Below are the most recent articles from Jim Pretin. For more of articles by Jim Pretin please use the link above. http://www.articlesnatch.com/profile/Jim-Pretin/4342 http://s4.ascdn.com/i/logo.gif en-us http://www.articlesnatch.com/profile/Jim-Pretin/4342 PHP/ http://www.articlesnatch.com/Article/Homeopathy-Rising-in-Popularity-In-The-United-States/374350 You may have heard of "homeopathy" but you are not sure what it is. Simply put, it is a system of medicine that treats a condition with highly diluted natural substances that mimic the symptoms of the condition being treated. This concept seems paradoxical to most. Homeopathy is a difficult concept to grasp. How do you cure someone of an illness by giving them a tiny concentration of something that can actually cause the disease? One would think that this would simply make the person even more sick. But, according to proponents of the science, homeopathy not only works, but is much more effective than conventional medicine. They claim that conventional medicine only suppresses the immune system and prolongs the illness. There are actually quite a few homeopathic products in your local pharmacy. The FDA requires that homeopathic products indicate what kind of product it is somewhere on the packaging. The easiest way to tell what kind of product you are buying is by examining the list of ingredients on the back or the on the side of the packaging.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Fri, 29 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Homeopathy-Rising-in-Popularity-In-The-United-States/374350 http://www.articlesnatch.com/Article/Using-The-P-E-And-PEG-Ratios-To-Evaluate-Stocks/373550 The two most important numbers that investment analysts look at when evaluating a stock are the P/E ratio and the PEG ratio. The former has been around for as long as the stock market itself, the latter originated more recently. A thorough analysis of these dueling indicators reveals that one is definitely superior to the other. The P/E is the price-to-earnings ratio. It is used to calculate how expensive or how cheap a stock is relative to its earnings. Using it, an investor can get a sense of whether a stock might be overvalued or undervalued. The ratio is calculated as follows: P/E = Price per share / Earnings per share The price per share is the current market price for a single share of stock. The earnings per share is the net income divided by the total number of shares outstanding. You can find net income by looking at a current income statement, which almost all corporations now make available on their company website. The lower the P/E, the cheaper the stock is. The higher the ratio, the more expensive the stock is relative to its current earnings. However, that does not give you the full picture.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Thu, 28 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Using-The-P-E-And-PEG-Ratios-To-Evaluate-Stocks/373550 http://www.articlesnatch.com/Article/Can-Pay-Per-Click-Work-For-Your-Marketing-Needs-/372910 Most websites use at least some pay-per-click to attract traffic to their site. Other sites use nothing but pay-per-click to attract traffic to their site. I, on the other hand, detest it, try to diversify if possible because pay per click is so expensive. What is pay-per-click (PPC), you ask? Well, go to Google, and then type in a keyword or phrase that you want to search for. Then, at the top of the search results, you will see a section for what is called sponsored links or sponsored results. These sponsored links are paying a certain cost per click to be listed in this special section at the top of the listings. Each one of these websites pays a certain fee to Google each time someone clicks through to their site. Each website that uses PPC has to place a bid on how much they are willing to spend per click for a certain keyword. The highest bidder is placed in the number one position, the second highest bidder is placed in the number two position, and so forth. Also, each bidder specifies how much they are willing to spend per day.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Wed, 27 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Can-Pay-Per-Click-Work-For-Your-Marketing-Needs-/372910 http://www.articlesnatch.com/Article/An-Affiliate-Program-Can-Save-Your-Online-Business/372288 If you have recently started an online business, you are no doubt facing the difficult task of trying to promote your website without sufficient capital to do much advertising. It is a catch-22; you need to spend a lot of money on advertising to launch an internet business so that you can make some money, but you need to make some money so that you actually have some dollars to spend on advertising. To get money for advertising, you could take on a business partner who is willing to fund the company to get your marketing campaign going, or perhaps you could turn to venture capital to get started. However, unless you already have a lot of solid business contacts, raising money for an internet startup can be almost impossible. So, what should you do? The solution to all your marketing problems might be an affiliate program. With an affiliate program, anyone who has a website can post an advertisement for your business on their website in the form of a banner or a text link.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Tue, 26 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/An-Affiliate-Program-Can-Save-Your-Online-Business/372288 http://www.articlesnatch.com/Article/Launching-Your-First-Internet-Marketing-Campaign/371387 If you have a struggling internet business, you are probably facing the difficult task of how to attract visitors to your website at a price you can afford. Indeed, internet marketing is a challenge, and it takes years of persistence. There are many affordable ways to get traffic to your site. For now, we will outline the most practical ways for you to market your online business without having to spend a great deal of money. The most important task is search engine submission and optimization. There are many different search engines and directories on the internet where you can submit your web site. You need to sign up for a monthly submission plan with a credible search engine submission service. There are hundreds of these submission services on the internet; you can find them by doing a search on Google. However, be wary of submission services that claim to be able to submit your site to 75,000 search engines. These unscrupulous submitters will submit your website to FFA pages and bogus link pages that can actually get you banned permanently from the search engines.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Sun, 24 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Launching-Your-First-Internet-Marketing-Campaign/371387 http://www.articlesnatch.com/Article/Simple-Strategies-For-The-Novice-Investor/370830 Ideally, investors try to buy a stock when the price has reached a support level (a level at which the price is as low as it will go) and sell the stock when it hits a resistance level (a level at which the price is as high as it will go). This is easier said than done. Most investors end up missing out on a continual rise by waiting for a stock to plummet first, or sell way to early by underestimating how high the price will go. In this article, we will focus on the two most popular strategies that you can use to invest without having to worry about market timing. Dollar cost averaging (DCA) is an investing technique intended to reduce exposure to risk associated with making a single large purchase. According to this technique, shares of stock are purchased in a specific amount on a specified periodic basis (often monthly), regardless of current performance. The theory is that this will lead to greater returns overall, since smaller numbers of shares will be bought when the cost is high, while larger number of shares will be bought while the cost is low.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Fri, 22 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Simple-Strategies-For-The-Novice-Investor/370830 http://www.articlesnatch.com/Article/Autoresponders-Are-Essential-For-Email-Marketing/369784 If you have an online business but are not happy with the present level of income being generated by your website, then this article is for you. Most webmasters do not fully understand what it takes to close a sale, and as a result, they simply put up a website, post their products or information about their services, and expect their website to do the selling for them. However it often takes more than that to convert site visitors into buyers of your products or services. The solution is to use autoresponders. An autoresponder is a program that sends a series of emails to someone after they have submitted their email address on an online form. Depending upon what you are pitching, you may need to send three, five, or even more emails in order to hook a certain customer and persuade them to make a purchase. The best way to convince someone to submit their email address on your website is to basically compel them to do so in order to receive certain information.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Wed, 20 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Autoresponders-Are-Essential-For-Email-Marketing/369784 http://www.articlesnatch.com/Article/Why-Is-It-Important-To-Have-Umbrella-Insurance-/369043 At some point, you have probably heard of umbrella insurance, but have no idea what it is. Well, first off, it does not cover the umbrella you protect yourself from the rain. It is a figure of speech. An umbrella policy is designed to shield you from almost everything that your home and auto insurance does not, as well as fill in gaps in coverage when the limits of your regular policy are exhausted. Every day, there are personal lawsuits filed against ordinary citizens, with the reasons ranging from the frivolous to the justified. When and if this happens to you, you need to be prepared. More often than not, people are sued and have no extra protection to block the plaintiff from going after their personal assets in the lawsuit. To protect yourself from such a quandary, you need to have umbrella insurance. An umbrella is often referred to as excess liability. This excess liability coverage kicks in when the underlying limits on your home or auto policy have been exhausted, or if you are sued personally for something that neither your home nor your auto insurance covers.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Tue, 19 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Why-Is-It-Important-To-Have-Umbrella-Insurance-/369043 http://www.articlesnatch.com/Article/An-Introduction-To-Using-Formmail-With-HTML-Forms/367207 If you have recently established a website for your first internet business, adding a simple web form to your website, such as a feedback form, contact form, or other online form, can be a tough task. Most programming novices create their first website using pre-developed templates and have no advanced knowledge of HTML programming. As a result, creating a simple web form that can email the form responses to the webmaster can be a difficult and frustrating task. If you just posted a new website, but you do not have a web form uploaded and you need to quickly provide a way for your visitors to contact you, then you should simply post your email address on your Contact page. However, if you want to create a sophisticated online form to collect information from your visitors and respond to their questions, you need to know something about HTML and another programming language called PHP. Installing the online form on your website is the easy part. If you are not familiar with how to create the code for a form, there are many different online tutorials that can teach you how to create the code.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Thu, 14 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/An-Introduction-To-Using-Formmail-With-HTML-Forms/367207 http://www.articlesnatch.com/Article/How-XML-Made-Online-Data-More-Versatile/366715 When the internet was first introduced, all websites were written in HTML. HTML was the only programming language used to describe and display data on the World Wide Web. It was simple and fairly easy to learn. As time progressed, programmers started to realize that they were being stymied by HTML. Web designers wanted to be able to describe data more effectively. This need for a better way to deal with data resulted in the development of a new specification called XML. What is XML? XML stands for Extensible Markup Language. So, just like HTML, XML is a markup language. A markup language is any language that is used to describe or define information and text. XML is not a substitute for HTML. It is to be used in conjunction with HTML. HTML focuses on describing how data or text is supposed to be displayed. The XML language does something totally different. XML describes what the data is. So, XML is not something that is apparent on a web page, because it does not actually do anything.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Wed, 13 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/How-XML-Made-Online-Data-More-Versatile/366715 http://www.articlesnatch.com/Article/Make-Your-Site-Successful-With-An-Affiliate-Program/366706 If you have recently started an online business, you are no doubt facing the difficult task of trying to promote your website without sufficient capital to do much advertising. It is a catch-22; you need to spend a lot of money on advertising to launch an internet business so that you can make some money, but you need to make some money so that you actually have some dollars to spend on advertising. To get money for advertising, you could take on a business partner who is willing to fund the company to get your marketing campaign going, or perhaps you could turn to venture capital to get started. However, unless you already have a lot of solid business contacts, raising money for an internet startup can be almost impossible. So, what should you do? The solution to all your marketing problems might be an affiliate program. With this sort of program, anyone who has a website can post an advertisement for your business on their website in the form of a banner or a text link.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Wed, 13 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Make-Your-Site-Successful-With-An-Affiliate-Program/366706 http://www.articlesnatch.com/Article/How-Autoresponders-Have-Revolutionized-Email-Marketing/365624 If you have an online business but are not happy with the present level of income being generated by your website, then this article is for you. Most webmasters do not fully understand what it takes to close a sale, and as a result, they simply put up a website, post their products or information about their services, and expect their website to do the selling for them. However it often takes more than that to convert site visitors into buyers of your products or services. The solution is to use autoresponders. An autoresponder is a program that sends a series of emails to someone after they have submitted their email address on an online form. Depending upon what you are pitching, you may need to send three, five, or even more emails in order to hook a certain customer and persuade them to make a purchase. The best way to convince someone to submit their email address on your website is to basically compel them to do so in order to receive certain information.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Mon, 11 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/How-Autoresponders-Have-Revolutionized-Email-Marketing/365624 http://www.articlesnatch.com/Article/The-Rise-Of-Hompeopathy-Over-Conventional-Medicine/364172 You may have heard of "homeopathy" but you are not sure what it is. Simply put, it is a system of medicine that treats a condition with highly diluted natural substances that mimic the symptoms of the condition being treated. This concept seems paradoxical to most. Homeopathy is a difficult concept to grasp. How do you cure someone of an illness by giving them a tiny concentration of something that can actually cause the disease? One would think that this would simply make the person even more sick. But, according to proponents of the science, homeopathy not only works, but is much more effective than conventional medicine. They claim that conventional medicine only suppresses the immune system and prolongs the illness. There are actually quite a few homeopathic products in your local pharmacy. The FDA requires that homeopathic products indicate what kind of product it is somewhere on the packaging. The easiest way to tell what kind of product you are buying is by examining the list of ingredients on the back or the on the side of the packaging.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Fri, 08 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/The-Rise-Of-Hompeopathy-Over-Conventional-Medicine/364172 http://www.articlesnatch.com/Article/The-Burgeoning-Foreign-Currency-Exchange-Market/361556 The Foreign Exchange market (Forex) is truly the largest exchange in the world. The amount of dollars traded on the Forex market on a daily basis is in the trillions. Most of this currency trading takes place between between large banks, central banks, currency speculators, multinational corporations, governments, and other financial markets and institutions. However, individual traders are starting to get in the mix, using internet discount brokers such as Etrade to participate in the currency exchange market. There is no central exchange or meeting place for the Forex. All trading is done over computer networks between traders in different parts of the world. Also, unlike the stock market, the foreign exchange market is open 24 hours per day, because it is a global market. A trader in Hong Kong may be exchanging currency with a trader in Australia while an American trader is sleeping. There are several different markets within the Forex exchange system. First, there is the spot market. The spot market deals with trades that are based on the current values of currencies. One person trades a certain amount of currency with another trader in exchange for an equivalent amount of a different foreign currency.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Mon, 04 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/The-Burgeoning-Foreign-Currency-Exchange-Market/361556 http://www.articlesnatch.com/Article/An-Affiliate-Program-Can-Be-A-Boon-For-Your-Business/360996 If you have recently started an online business, you are no doubt facing the difficult task of trying to promote your website without sufficient capital to do much advertising. It is a catch-22; you need to spend a lot of money on advertising to launch an internet business so that you can make some money, but you need to make some money so that you actually have some dollars to spend on advertising. To get money for advertising, you could take on a business partner who is willing to fund the company to get your marketing campaign going, or perhaps you could turn to venture capital to get started. However, unless you already have a lot of solid business contacts, raising money for an internet startup can be almost impossible. So, what should you do? The solution to all your marketing problems might be an affiliate program. With an affiliate program, anyone who has a website can post an advertisement for your business on their website in the form of a banner or a text link.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Sun, 03 Aug 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/An-Affiliate-Program-Can-Be-A-Boon-For-Your-Business/360996 http://www.articlesnatch.com/Article/Autoresponders--An-Automated-Selling-Machine/351281 If you have an online business but are not happy with the present level of income being generated by your website, then this article is for you. Most webmasters do not fully understand what it takes to close a sale, and as a result, they simply put up a website, post their products or information about their services, and expect their website to do the selling for them. However it often takes more than that to convert site visitors into buyers of your products or services. The solution is to use autoresponders. An autoresponder is a program that sends a series of emails to someone after they have submitted their email address on an online form. Depending upon what you are pitching, you may need to send three, five, or even more emails in order to hook a certain customer and persuade them to make a purchase. The best way to convince someone to submit their email address on your website is to basically compel them to do so in order to receive certain information.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Fri, 18 Jul 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Autoresponders--An-Automated-Selling-Machine/351281 http://www.articlesnatch.com/Article/Using-Automated-Investment-Strategies-To-Invest-Wisely/351027 Ideally, investors try to buy a stock when the price has reached a support level (a level at which the price is as low as it will go) and sell the stock when it hits a resistance level (a level at which the price is as high as it will go). This is easier said than done. Most investors end up missing out on a continual rise by waiting for a stock to plummet first, or sell way to early by underestimating how high the price will go. In this article, we will focus on the two most popular strategies that you can use to invest without having to worry about market timing. Dollar cost averaging (DCA) is an investing technique intended to reduce exposure to risk associated with making a single large purchase. According to this technique, shares of stock are purchased in a specific amount on a specified periodic basis (often monthly), regardless of current performance. The theory is that this will lead to greater returns overall, since smaller numbers of shares will be bought when the cost is high, while larger number of shares will be bought while the cost is low.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Fri, 18 Jul 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Using-Automated-Investment-Strategies-To-Invest-Wisely/351027 http://www.articlesnatch.com/Article/Affiliate-Programs-Are-A-Great-Marketing-Tool/350141 If you have recently started an online business, you are no doubt facing the difficult task of trying to promote your website without sufficient capital to do much advertising. It is a catch-22; you need to spend a lot of money on advertising to launch an internet business so that you can make some money, but you need to make some money so that you actually have some dollars to spend on advertising. To get money for advertising, you could take on a business partner who is willing to fund the company to get your marketing campaign going, or perhaps you could turn to venture capital to get started. However, unless you already have a lot of solid business contacts, raising money for an internet startup can be almost impossible. So, what should you do? The solution to all your marketing problems might be an affiliate program. With an affiliate program, anyone who has a website can post an advertisement for your business on their website in the form of a banner or a text link.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Thu, 17 Jul 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Affiliate-Programs-Are-A-Great-Marketing-Tool/350141 http://www.articlesnatch.com/Article/Finding-The-Right-Web-Designer-Is-A-Tough-Task/347723 If you just started an online business, you probably have no idea how to go about hiring a web designer. Who should you call? Should you look someone up in the yellow pages? Should you hire someone who works for a company that employs many different web designers, or should you hire a sole proprietor? Or, should you hire a freelancer who does web design part time? How much does it cost? If you need someone to develop a very simple, static website that is merely a personal homepage or just an informational site about your business, then you pretty much have carte blanche. The only issue in this case would be cost. A freelancer will charge a lot less than a professional, but a freelancer might not do a thoroughly competent job. There are numerous website directories that contain a database of freelance web designers who are seeking work. If you hire one of these individuals, make sure you request to see samples of web designs they have already done, just to make sure they have not done shoddy work in the past.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Sat, 12 Jul 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Finding-The-Right-Web-Designer-Is-A-Tough-Task/347723 http://www.articlesnatch.com/Article/Suggestions-For-The-Internet-Marketing-Novice/346682 If you have a struggling internet business, you are probably facing the difficult task of how to attract visitors to your website at a price you can afford. Indeed, internet marketing is a challenge, and it takes years of persistence. There are many affordable ways to get traffic to your site. For now, we will outline the most practical ways for you to market your online business without having to spend a great deal of money. The most important task is search engine submission and optimization. There are many different search engines and directories on the internet where you can submit your web site. You need to sign up for a monthly submission plan with a credible search engine submission service. There are hundreds of these submission services on the internet; you can find them by doing a search on Google. However, be wary of submission services that claim to be able to submit your site to 75,000 search engines. These unscrupulous submitters will submit your website to FFA pages and bogus link pages that can actually get you banned permanently from the search engines.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Thu, 10 Jul 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Suggestions-For-The-Internet-Marketing-Novice/346682 http://www.articlesnatch.com/Article/Autoresponders-Will-Increase-Your-Sales-Exponentially/345943 If you have an online business but are not happy with the present level of income being generated by your website, then this article is for you. Most webmasters do not fully understand what it takes to close a sale, and as a result, they simply put up a website, post their products or information about their services, and expect their website to do the selling for them. However it often takes more than that to convert site visitors into buyers of your products or services. The solution is to use autoresponders. An autoresponder is a program that sends a series of emails to someone after they have submitted their email address on an online form. Depending upon what you are pitching, you may need to send three, five, or even more emails in order to hook a certain customer and persuade them to make a purchase. The best way to convince someone to submit their email address on your website is to basically compel them to do so in order to receive certain information.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Wed, 09 Jul 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Autoresponders-Will-Increase-Your-Sales-Exponentially/345943 http://www.articlesnatch.com/Article/Sorting-Through-The-Different-Types-Of-Life-Insurance/345149 Life insurance is a means for providing financial protection for your family in the event of your death. A life insurance contract is relatively straightforward; you agree to pay a premium at regular intervals, and the insurance company agrees to pay a certain sum of money to your beneficiary upon your death. There are three parties to a life insurance contract. First, there is the insured. This is the person whose life is being insured under the policy. Next, there is the insurer. The insurer is the insurance company who underwrites the risk. And third, there is the owner. The owner and insured are not necessarily one and the same. Someone can buy a life insurance policy to insure the life of someone else, such as their spouse. The person who buys the policy is the owner, and the person whose life the policy is based on is the insured. When the owner and the insured are different people, premium payments are the responsibility of the owner. Every life insurance contract also has a beneficiary.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Tue, 08 Jul 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Sorting-Through-The-Different-Types-Of-Life-Insurance/345149 http://www.articlesnatch.com/Article/How-XML-Transformed-the-Internet/343752 When the internet was first introduced, all websites were written in HTML. HTML was the only programming language used to describe and display data on the World Wide Web. It was simple and fairly easy to learn. As time progressed, programmers started to realize that they were being stymied by HTML. Web designers wanted to be able to describe data more effectively. This need for a better way to deal with data resulted in the development of a new specification called XML. What is XML? XML stands for Extensible Markup Language. So, just like HTML, XML is a markup language. A markup language is any language that is used to describe or define information and text. XML is not a substitute for HTML. It is to be used in conjunction with HTML. HTML focuses on describing how data or text is supposed to be displayed. The XML language does something totally different. XML describes what the data is. So, XML is not something that is apparent on a web page, because it does not actually do anything.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Fri, 04 Jul 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/How-XML-Transformed-the-Internet/343752 http://www.articlesnatch.com/Article/Building-Your-Business-With-An-Affiliate-Program/343117 If you have recently started an online business, you are no doubt facing the difficult task of trying to promote your website without sufficient capital to do much advertising. It is a catch-22; you need to spend a lot of money on advertising to launch an internet business so that you can make some money, but you need to make some money so that you actually have some dollars to spend on advertising. To get money for advertising, you could take on a business partner who is willing to fund the company to get your marketing campaign going, or perhaps you could turn to venture capital to get started. However, unless you already have a lot of solid business contacts, raising money for an internet startup can be almost impossible. So, what should you do? The solution to all your marketing problems might be an affiliate program. With an affiliate program, anyone who has a website can post an advertisement for your business on their website in the form of a banner or a text link.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Thu, 03 Jul 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/Building-Your-Business-With-An-Affiliate-Program/343117 http://www.articlesnatch.com/Article/The-Pitfalls-Of-Using-Pay-Per-Click/342578 I will just come out and say it. Pay-per-click is the most frustrating form of internet marketing known to man . Most websites use at least some pay-per-click to attract traffic to their site. Other sites use nothing but pay-per-click to attract traffic to their site and expend a lot of money doing so. What is pay-per-click (PPC), you ask? Well, go to Google, and then type in a keyword or phrase that you want to search for. Then, at the top of the search results, you will see a section for what is called sponsored links or sponsored results. These sponsored links are paying a certain cost per click to be listed in this special section at the top of the listings. Each one of these websites pays a certain fee to Google each time someone clicks through to their site. Each website that uses PPC has to place a bid on how much they are willing to spend per click for a certain keyword. The highest bidder is placed in the number one position, the second highest bidder is placed in the number two position, and so forth.** End Summary**<p>About the Author:<br>Jim Pretin is the owner of <a href="http://www.forms4free.com">http://www.forms4free.com</a> , a service that helps programmers make an HTML form Wed, 02 Jul 2008 00:00:00 -0400 http://www.articlesnatch.com/Article/The-Pitfalls-Of-Using-Pay-Per-Click/342578