Visit the Author's website: http://www.buybooksonline24x7.com

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London, UK, September 16, 2010 -- Ex-smokers who took out life insurance while they were still smoking could save a packet on their life insurance premiums by reviewing their cover 12 months after they smoked their last cigarette. In one example one man saved over £5,000 by switching his life insurance policy after he quit smoking.

There are around 10 million* ex-smokers in the UK, with around 130,000* giving up in the last year. If they didn’tthink to review their life insurance i many of them could be paying bigger premiums than they need to.

Insurers generally rate customers as non smokers if they haven’tsmoked in the previous 12 months. So even if they once had a regular 40 a day habit, one year later they will be rated as non-smokers and they could pay substantially less for their life insurance, even if they’ve put on a few years since taking out their policy.

Savings will differ depending on how long you’ve had the policy but for someone who took out life insurance 5 years ago as a smoker and has since given up they could reduce their premiums by as much as 60%. This could save them hundreds if not thousands of pounds over the term of the policy.

For example: In 2005 a 44 year old man took out £125,000 of level term life insurance for a 20 year term. At the time he was a smoker and his premium was £47.76 per month.

Now, five years later, he has given up smoking for over 12 months and although he is five years older he is still in good health and can now get £125,000 of level term life life insurance for the remaining 15 years of his original policy for a premium of just £18.34 per month. That’s a saving of £29.42 per month over the next 15 years amounting to a total cost saving of £5265.60.

That’s in addition to the considerable amount of money you’ll save by not buying cigarettes any more. Someone with a 20 a day habit paying an average of £5.20 per pack will find themselves with an extra £1898.00 in their pocket each year if they give up smoking.

Ray Black, founder of Money-Minder.com said: “ËœAs well as the obvious health benefits, there’s a substantial wealth benefit that is often overlooked. Anyone who gave up smoking over a year ago should look at what it would cost to switch their insurance now they are a non-smoker. The saving could be huge!.“

Notes to Editors:

*Source: NHS

Example ““ 44 yr old male smoker took out £125k of level term life assurance in 2005 for a 20 year term. No waiver of premium. Annual premium of £573.12 = monthly premium of £47.76. Now aged 49 and a non smoker he takes out £125k of level term life assurance for a 15 year term (the remainder of his original 20 year term). As a non smoker his new premium is £18.34 per month with Bright Grey ““ a saving of £29.42 per month. £29.42 x 12 months x 15 years = £5295.60. Minus the Money-minder admin fee of £30.00 = a total saving of £5265.60 over the next 15 years.

To link to our site please use: http://www.money-minder.com

About us:
Jason Wyer-Smith at 42 PR on 07824 818242, Email: jason@42pr.com

Ray Black at Money-Minder.com 01529 300300, Email: ray@money-minder.com

Money-Minder.com was founded and created by Ray Black, Dip PFS, an Independent Financial Adviser. Money-Minder.com is online personal finance website that incorporates an exclusive and unique interactive comparison service providing free genuinely online quotes and is full of useful information to help customers choose the right cover and product to suit their needs.

The site currently provides comparisons on life and protection products - term assurance, critical illness, mortgage protection and income protection. The site’s “ËœFinance Navigators’ help customers to make their own informed choices and decisions but Money-Minder also provides easy access to highly qualified independent financial advisers (IFAs) if required.

Money-Minder.com is authorised and regulated by the Financial Services Authority (FSA)

Press Contact:
Jason Myer Smith
Money Minder Financial Services (UK) Limited
Church Cottages, Norfolk
07824 818242
jason@42pr.com
http://www.money-minder.com

Visit the Author's website: http://www.money-minder.com

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Miami, FL, March 09, 2010 -- MLM or Network Marketing lead generation is no longer a challenge to Steingart’s students. He reveals the subtleties and art in the approach, qualifying and closing the deal. Finding new and excited prospects without going into "sales mode" is part of his training.

"I have thousands of happy students bringing more excited people into their businesses than ever before." stated Steingart.

Steingart’s system is perfect for creating free leads for your business. The more time his students work his system the more they see a torrent of leads at their fingertips.

Max Steingart Available for Comment:
Max Steingart is considered by many as the "Father of Social Networking," is a respected author, motivational speaker, Social Networking Expert and Trainer. He can offer your audience advice on all areas of building your business with no cash outlay once you begin using his system. http://www.maxsteingart.com

Steingart has written six books and hundreds of articles about Internet prospecting, online relationship building, and rejection free selling. He's been a contributor and participant to many of the recognized online training forums. His online daily motivational messages; "Your Daily Motivation," has inspired millions of people since 1997. More information on Steingart can be found at: http://www.maxsteingart.com

Business overview
Max Steingart has created a Social Networking system that includes his famous online Boot Camp that reveals the secrets to building relationships on Social networking sites. His system helps Network marketers create Endless Free Leads to build their businesses faster than they ever have before. Many of his students recruit hundreds within months and swear by his system.

Press Contact:
Max Steingart
Endless Free Leads
Miami, FL
813.996.2347
maxprvp@gmail.com
http://www.maxsteingart.com

Visit the Author's website: http://www.maxsteingart.com

The post Network Marketing Leads Expert Max Steingart’s “Endless Free Leads” Social Networking 2010 Opens Flood Gates With Free Leads Creation for Marketers appeared first on Submit Articles.

Miami, FL, February 04, 2010 -- "Network Marketing Leads Expert" Max Steingart makes Social Networking for profit the perfect tool for anyone building a business online or off.

"Never again will the Network Marketer have to make a list of friends, family or associates." My "Endless Free Leads System could put their business on overdrive with fresh new prospects," stated Steingart.

While others are using Social Networking sites for fun, the serious business builder will be prospecting and discovering Internet gold.

Max Steingart Available for Comment:
Max Steingart is considered by many as the "Father of Social Networking," is a respected author, motivational speaker, Social Networking Expert and Trainer. He can offer your audience advice on all areas of building your business with no cash outlay once you begin using his system. http://www.maxsteingart.com

Steingart has written six books and hundreds of articles about Internet prospecting, online relationship building, and rejection free selling. He's been a contributor and participant to many of the recognized online training forums. His online daily motivational messages; "Your Daily Motivation," has inspired millions of people since 1997. More information on Steingart can be found at: http://www.maxsteingart.com

Business overview:
Max Steingart has created a Social Networking system that includes his famous online Boot Camp that reveals the secrets to building relationships on Social networking sites. His system helps Network marketers create Endless Free Leads to build their businesses faster than they ever have before. Many of his students recruit hundreds within months and swear by his system.

Press Contact:
Max Steingart
Endless Free Leads
Miami, FL
305.531.9611
maxprvp@gmail.com
http://www.maxsteingart.com

Visit the Author's website: http://www.maxsteingart.com

The post Network Marketing Leads Expert Max Steingart’s Training Gives Network Marketers the Edge in Creating Massive Prospects Using Social Networking appeared first on Submit Articles.

Miami, FL, January 28, 2010 -- "Network Marketing Leads Expert" Max Steingart takes online prospecting to a whole new level, training his students to quickly qualify potential business partners without wasting precious time with the wrong prospects and how to master the art of Social Networking for profit.

"Finding quality Network Marketing potential customers or business prospects is easy with my turn-key 2010 Mastery System," stated Steingart.

Whether doing business online or offline, Steingart helps you turn your valuable time into dollars with absolute ease. The simplicity of his system quickly eliminates those using Social Networking for playtime while honing in on those seriously looking for a business opportunity.

Max Steingart Available for Comment:
Max Steingart is considered by many as the "Father of Social Networking," is a respected author, motivational speaker, Social Networking Expert and Trainer. He can offer your audience advice on all areas of building your business with no cash outlay once you begin using his system. http://www.maxsteingart.com

Steingart has written six books and hundreds of articles about Internet prospecting, online relationship building, and rejection free selling. He's been a contributor and participant to many of the recognized online training forums. His online daily motivational messages; "Your Daily Motivation," has inspired millions of people since 1997. More information on Steingart can be found at: http://www.maxsteingart.com

Business overview
Max Steingart has created a Social Networking system that includes his famous online Boot Camp that reveals the secrets to building relationships on Social networking sites. His system helps Network marketers create Endless Free Leads to build their businesses faster than they ever have before. Many of his students recruit hundreds within months and swear by his system.

Press Contact:
Max Steingart
MaxSteingart.com
Miami, FL
305.531.9611
maxprvp@gmail.com
http://www.maxsteingart.com

Visit the Author's website: http://www.maxsteingart.com

The post Network Marketing Leads Expert Max Steingart Unveils 2010 Mastery System appeared first on Submit Articles.

Miami, FL, January 14, 2010 -- "Network Marketing Leads Expert" Max Steingart has broken the code to building relationships and finding business prospects on Facebook and other Social Networking sites while keeping his students in compliance at all times.

"Learn to find a perfect match for your business, products or service on the two largest Social Networks, Facebook and MySpace," stated Steingart.

Whether online or offline, his system is turn-key and is so easy to use, anyone can be up and running in hours instead of weeks or months with a definite increase in sales once the basics of his system are mastered and used on a regular basis.

Max Steingart Available for Comment:
Max Steingart is considered by many as the "Father of Social Networking," is a respected author, motivational speaker, Social Networking Expert and Trainer. He can offer your audience advice on all areas of building your business with no cash outlay once you begin using his system. http://www.maxsteingart.com/media

Steingart has written six books and hundreds of articles about Internet prospecting, online relationship building, and rejection free selling. He's been a contributor and participant to many of the recognized online training forums. His online daily motivational messages; "Your Daily Motivation," has inspired millions of people since 1997. More information on Steingart can be found at: http://www.maxsteingart.com/media

Business overview
Max Steingart has created a Social Networking system that includes his famous online Boot Camp that reveals the secrets to building relationships on Social networking sites. His system helps marketers create Endless Free Leads to build their businesses faster than they ever have before. Many of his students recruit hundreds within months and swear by his system.

Contact:
Max Steingart
MaxSteingart.com
Miami, FL
305-531-9611
maxprvp@gmail.com
http://www.maxsteingart.com

Visit the Author's website: http://www.maxsteingart.com

The post Network Marketing Leads Expert Max Steingart Reveals Secrets to Social Networking for Businesses appeared first on Submit Articles.

Miami, FL, January 07, 2010 -- Network marketing leads expert Max Steingart unveils his new system that keeps MLM and network marketers in compliance on Social Networking sites and produces even more prospects for online businesses.

"Network Marketing is fast becoming the answer to many financial challenges today," stated Steingart. "The most difficult part is finding and identifying the right prospects so time is not wasted," he further stated.

Network marketing on Social Networking sites can be difficult and time consuming unless you have the right tools and understanding of the importance of proper approach and communication with potential business partners. Steingart’s system includes all the tools for marketing any product or service through the Social Networking sites.

For more information go to: www.fatherofsocialnetworking.com

Network Marketing Leads Expert Max Steingart Available for Comment:
Max Steingart is considered by many as the Father of Social Networking. He is a respected author, motivational speaker, Network Marketing Leads Expert and trainer. He can offer your audience advice on all areas of building your business with no cash outlay once you begin using his system that offers rejection free selling.

As an author of six books and hundreds of articles about creating endless free leads, Network Marketing prospecting, online relationship building and rejection free selling. Steingart is an icon within the Internet Marketing world. He has been a contributor and participant to many of the recognized online training forums. His online daily motivational messages; “Your Daily Motivation,“ has inspired millions of people since 1997.

For more information on all of Steingart’s services, please go to:
www.fatherofsocialnetworking.com

Max Steingart has created a Social Networking system that includes his famous online Boot Camp that reveals the secrets to building relationships on Social networking sites. His system helps marketers create Endless Free Leads to build their businesses faster than they ever have before. Many of his students recruit hundreds within months and swear by his system.

Press Contact:
Max Steingart
Father of Social Networking.com
Miami, FL
305.531.9611
chrismolinarimedia@gmail.com
http://www.fatherofsocialnetworking.com

Visit the Author's website: http://www.fatherofsocialnetworking.com

The post Network Marketing Leads Expert Max Steingart Announces 2010 Boot Camp that Reveals Secrets to MLM and Home Business Success Using Social Networking appeared first on Submit Articles.