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Promotional Products Wholesalers Australia

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Wholesale promotional products offer our customers top quality service. With access to the largest range of wholesale promotional items you will ever find with around 500,000 different products, we can have any item custom imprinted or decorated with your company logo. We specialize in unique merchandise ideas, you name it, we can have it made for you. We specialize in custom printed merchandise!


Free chat community

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Free chat rooms offering profiles, music and video chat rooms.

Our community chat site. Here you will find chat rooms that are moderated to make you feel safe. Our chat rooms were estabished in 2003 and are growing strong every year with the latest in chat software. We offer everything from music chat rooms to video chat rooms. We also provide you with a community site similar to myspace. Here you will meet people from the USA and as far as the UK. You will be able to add pictures to your profiles, avatars and character map symbols to your chat names and enjoy music while you chat. We welcome people of all ages to come have fun with us and become a part of our fast growing community.

Free Chat rooms here are designed to be the best on the internet. Cam chat, Free java chat rooms, free cam chat rooms are what this site offers. If you are looking for a video chat room or a free chat room then this is the place for you.


Nintendo Wii - Wii for Victory!

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Starting with its unconventional name to its innovative controller, the Nintendo Wii comes loaded with every unique feature to make it a stand apart gaming console. The device has been a huge success amongst the gaming fraternity, and such is the furore the makers of the celebrated Xboxs and PSPs fear a run for their money.

Measuring 8.5 inches long by 6 inches wide, and being less than 2 inches thick, the Nintendo Wii comes with sharp, clean contours, with an Apple like glossy white finish. Which means, it not only makes a stylish appearance but also is quite compact. Another appreciated feature of Nintendo Wii is its angled plastic stand. With this, the gaming console can be oriented horizontally or vertically (something that the big player Play station 3 and Xbox 360 fails to deliver).

The Nintendo Wii comes with a set of impressive controls. They are designed to suit both left handed and right handed players. The controls include a Wii Remote and a Nunchuk--a joystick-style controller that connects to the remote for additional game control. The Wii Remote works for games within a radius of about 30 feet and functions as a cursor-type pointing device within about 15 feet. Also, the remote offers a great tactile feedback. The Wii Remote also contains a control for adjusting force feedback, a built-in speaker, a wrist strap, and four blue LED lights that indicate which player/controller number you've been assigned.

Downloading games from the online world is like a breeze, and the user friendly interface makes the experience of Nintendo Wii more pleasurable. A noteworthy feature of this gaming console is its "sleepless" WiiConnect24 service. Through this, the console automatically downloads information, even when it's on standby. Another feature worth a notice is its Virtual console. Here, gamers are allowed to download and play games from past consoles such as the Nintendo 64, NES, Super NES, Sega Genesis, and TurboGrafx16. Nintendo will offer 12 classic console games at launch, including Donkey Kong (NES), SimCity (SNES), Super Mario 64, Sonic the Hedgehog (Genesis), and Bomberman '93 (TurboGrafx16).

Nintendo Wii is a gaming console for the masses. It is easy to understand, easy to use and quite affordable. So, for first time gamers, this console would sure prove an addiction.

Raina Kelsey is a gadget expert and writes about the latest gadgets in the market.

Nintendo Wii Consoles
Video Game Consoles

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Ramp Up Annuity Sales Using Secret Tool

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Lots of annuity sales with this Tool. Most of our competitors hammer us and our prospects about the surrender penalties in annuities.

7 years, 10 years, 17 years - YIKES!

I look at it differently. I love surrender penalties because they provide me with lots of future prospects and clients. How can that be?

It is the exclusion ratio. The exclusion ratio has made more annuity sales for me that anything I can ever think of. The exclusion ratio is a benefit we should all make certain our clients and prospects are aware of. Explain it this way:

If you convert accumulated funds in an annuity to an income stream you can access the exclusion ratio. The exclusion ratio is the percentage of income that is excluded from tax liability.

I like this example

A $50,000 deposit has grown to a value of $100,000.

If the annuitant takes any funds from this account it is 100% taxable at ordinary income tax rates.

In our example lets pretend that the annuitant selects a 10 year payout and we will round off the calculations for the sake of illustration.

$100,000 will provide an annual payment of $10,000 for 10 years.

$5,000 basis and not taxable, $5,000 interest and taxable.

The $5,000 basis is the exclusion ratio.

Because we have accessed the exclusion ratio we can spread out the tax liability over the selected time period which in our example is 10 years. This means that only 50% of the income received is taxable. By spreading out the payment we have spread out the tax liability!

An annual payment of $10,000 will only have 50% tax liability. Mrs. Prospect, this allows you to completely manage your annual tax liability and to take advantage of the Exclusion Ratio.
How about selling the exclusion ratio to the client for the beneficiary?

Mrs. Prospect did you know that when your daughter receives these funds as your beneficiary she can also access the exclusion ratio?

Your beneficiary can accept the funds out over a fixed period of time and spread the tax liability over the payout period.

When a prospect asks me about surrender period I always say this:

Mrs. Prospect, you cannot enjoy the benefits of this contract unless you allow the insurance company to hold your funds. There are many benefits you can enjoy with this product, have you ever heard of the exclusion ratio?

I use the power of the contract and the exclusion ratio to explain the need for surrender period. Easy to explain and makes for very happy clients. This is especially good when someone comes to me with an existing annuity. Often times they are not happy and did not understand the time period for the surrender penalties. I would say this..

Mrs. Prospect, unfortunately your agent did not really understand your contract well enough. It is really not his fault; he probably did not have access to the training that I have had. Let me explain a terrific benefit of your contract, the exclusion ratio.

Once I am able to explain this powerful benefit it is easy to sell another annuity to her. The benefits of the contact sell the annuity for me.

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

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Blogger BlogNet27284: Sep 7, 2008

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